Pros
Job security (no layoffs in company history). Worthwhile benefits package. Facilities in good condition and typically in good locations. Enjoyable co-workers. Good vacation time and consistent December bonus, even in off years. Pension plan in addition to IRAs.
Cons
Overwhelming workload. The better you are at your job, the worse that gets, as the agents pick up on it very quickly and demand you by name. All are paid the same regardless of performance. Promotions / recognition are inconsistent in their application which frustrates employees. Compensation is below average, leading to turnover and the inability to hire experienced replacements, as they would have to accept a pay cut to come to A-O. Auto-Owners unofficial motto among my fellow employees? "We train other company's personnel". Always years behind other American companies in technology. Simple tools like Microsoft Office email and Powerpoint were not provided to the branches until years after they had been on the market. Internet usage is heavily restricted, due to mistrust of employees, which makes the job of underwriters in particular that much more slow and difficult as they try to research risks.