Okay, let’s calculate Spencer’s rate. He has a CLCS certification, which is a professional designation in the insurance industry. This certification is offered by National Underwriter, a reputable organization. With his skills in workers compensation, commercial insurance, underwriting, and property and casualty insurance, he’s in high demand. Location is Knoxville, Tennessee, which is a mid-sized city with a growing insurance market. According to industry benchmarks, insurance professionals with CLCS certification in the US can charge around $100–$200 per hour. Considering his skills and certification, I’ll estimate around $125 per hour.