Okay, let’s tackle this. So Steve Fowler has 37 years of experience in insurance, which is a long time. He’s in a supervisory role at UFG Insurance, which suggests he’s handling complex cases and possibly mentoring others. His skills include underwriting, negotiation, and commercial insurance, which are all in demand. However, his experience is not in a high-demand field like tech or finance, and he’s not in a location with a very high cost of living. Based on national averages for insurance professionals, I’d estimate his hourly rate to be around $125 per hour, which is slightly below average but still respectable given his experience and skills.