Pros
Good turn around story over past 5+ years driven by much better risk selection. Some grumble about CEO Motamed's style and the grind, but he has steered and focused the company well, and employees are more optimistic and on board with him compared to when he first became CEO.
Cons
Still too much emphasis on the grinding process and procedure, and, processes are frustrating and hampered by systems that need upgrading and investment, and the company could benefit by investing in additional key support staff to handle more of the process/admin stuff so that higher level folks responsible for putting business on the books aren't overly bogged down in admin/file maintenance tasks. Some edicts come down from Chicago that seem out of touch with what is really happening on the ground at the local level. Still a little top heavy i.e. too many chiefs and not enough foot soldiers. Claims still has some room for improvement, and still tend to pay claims too easily. Turnover is becoming a problem in underwriting with some good talent and experience leaving because they are frustrated by process and other issues that take away from the job of underwriting the risk and maintaining their agency relationships.