Poor pay relative to company earnings/work Long hours (I reckon my average hourly rate was just above minimum wage for the hours worked) Being on call (I had to take calls regarding quotes while working on renewals) Superfluous mid-managers who were never in (I think I was unlucky to get a manager who clearly was out-of-her depth and assigned me work outside my remit) Regulation (numerous codes regulate the industry. I was made file breaches for an employee who quit w/o notice!)