Pros
Lots of potential bonuses, and the offer to own your own agency. Some solid people that are long time employees and friendly co-workers that make for a pleasant working environment.
Cons
Farmers is among the most expensive insurance there is right now, making it next to impossible to land new clients and build up a book of business. Their current pricing model is pushing administrators to find new agents will to buy established books from old agents getting out of the business. But those established agents are losing so many clients due to premium increases, it makes it hard to determine the actual value of an established portfolio. Farmers also has tight restrictions and appetites for commercial insurance, and limits insurance offerings to Farmers products only.