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Contract Breeched & Terminated - Hosed by Farmers

Posted by texasagent 
I'm so saddened by all of your stories of betrayal from this dinasoar of a company. My family has had a farmers agency sine 1948 and has been passed down three generations, I was to be the fourth and recently had to break the news to my family that I was opening my own brokerage so I can help my clients not some greedy unethical company. Over the last 4 years I've seen nothing good come from this company. I hope that mistreated agents across the country stand together and hold this joke of a company responsible for their greed and agent/consumer abuse. I can't believe that in our countries current economical state they would increase rates 8% or more just because and lie to the agent force telling us that all companies are taking this I crease to replenish claims funds. NOT THE CASE. THEY'RE INCREASING PREMIUMS TO FUND A STADIUM. What good does that do the client or agent? It caused my families agency to loose households we e had for 20+ years. And now after 35 + years of loyalty to Farmers herself and 30 years before from her father and grandfather my mother is worried that she will get the dreaded DM/DMM meeting and hear that her hard work has been for nothing because she's not able to produce new business to their expectations like she did when she was a new agent because she's dealing with Farmers created issues 90% of the time and is supposed to be preparing to retire. Which when she signed her contract they sold her the line work hard now and when your 60 you can sit back and reap the rewards of your hard work. Let me tell you there's no sitting back and no reward for being profitable every single year as a career agent for 35 years. Maybe a long stay at the county hospital after a stroke or heart attack while sitting at your desk being understandably screamed at by a client that's been calling for months to resolve an issue that never should have been an issue if their system worked properly. Or people did what they said they were going to do that the agency force can not do but must pay to resolve. I've seen numerous senior agents mistreated and terminated and have not met one senior agent happy with their current situation. DO NOT EVER BECOME ONE OF THE MILLION FARMERS AGENTS!! If you want to represent a company that you can do so proudly and sleep at night knowing your clients are in good hands should they have a claim this is not the one. You will like every person in this forum has said spend thousands of dollars "starting a business" only to be treated as an employee with no employee benefits let alone be paid min wage and after you work 60+ hours a week for 30 years if they kept you they'll fire you so they don't have to pay you for the policies YOU OWN total joke. Now they're forcing senior agents to sign new contracts to screw them even more. I have been so disgusted by the way I've seen hard working honest people being treated by what's supposed to be an upstanding company with high values and morales the only thing that's true is the high part and its not value it's price.

I was pushed over the edge to open my brokerage by the ridiculous commercial underwriting appetite. In our country with such high unemployment rates and people getting creative in ways to make their American dream come true I think that an insurance company that has been around since the beginning of insurance should understand the necessity of insuring new businesses and not be so stuck up to tell someone that their business isn't "good enough" for Farmers. I'm not a Company type person anyway. I work for my client and you can't do that of you're a Farmers agent you have to pick thru the hay to find that needle client that fits Farmers tight guidelines and meets all requirements for every possible discount so that you can present a rate that someone might be ok with. I'm much happier finding my client the right company and with the number of brokerage clusters growing you shouldn't feel like going captive is easier because they'll pay you some sort of income for the first year. You'll still end up paying it plus more back to them in the long term when you can join a cluster brokerage that has appointments with every company you could ever want access to and then some with little capital contribution and near guaranteed profit sharing at leat triple what you'd get as a Farmers agent even after 40 years. Listen to these agents they speak only the truth they're not just disgruntled former "independent contractors" they're business owners treated as slave employees that pay most of their folio back to the company before they ever get a dime their commission rate is the lowest I've seen from any insurance company and the highest rates to customers in the industry. I come back to this again and pray that they get the karma they deserve Farmers must be held responsible for destroying the lives of the very people that built the business they're now destroying reputabley and hold up to the promises they made when senior agents signed their contracts or pay full value of their book of business when they decide they're thru using them. Its disgusting that they can get away with doing this to so many innocent people. I wish all of you the best in your future businesses and will be cheering for anyone who brings lawsuits against this joke of a company. I'm sure the founders would be just as disgusted with how their company has evolved.

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My name is Robert and live in California. I recently had an interview with a DM with Farmers insurance. Can anyone give me some experiences they had with Farmers in Southern California as an agent, career or reserve?

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can you imagine having gone through that exact scenario for 10 yrs.? i came close to seeking legal council against farmers for their unethical ,immoral ways of conducting business.

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my husband was a farmers agent & I don't recommend working for them, Did you know that farmers skims off the agents,check the reports verses your folio. I can thank farmers for loosing everything. We had to file bankruptcy.You had to have so many life policies to stay an agent,he was paying out of his pocket for them. Please anyone that wants to become an agent,keep looking,get a real job.

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If you are a producer (10-99) and want to leave what happens to your book? I have been there about a year and as stated by everybody above, this company is a joke. Being a 10-99, I do own my book of business and because of non-compete I can't take it with me. So what happens to it? Does the agent I work for purchase it? Can it be purchased by another agent? Not familiar with this. Thanks!

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Re: Contract Breeched & Terminated - Hosed by Farmers
February 17, 2016 02:34AM
As shitty as this sounds, your DM will distribute your policies to someone within the district and threaten you regarding the no-compete and taking your list with you.

My DM took the orphan policies of agents that quit and gave them to his family members that were also agents in the district. So his wife took my policies. I also saw him give policies to his son-in-laws over the years.... I kept asking other agents... do you see this?? am I the only one that thinks this is unethical?? How/why does Farmers allow this to happen?? This is part of the reason I got sick of it and terminated my own contract.

Best of luck!

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Please contact me @ stephskoch@gmail.com

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Re: Contract Breeched & Terminated - Hosed by Farmers
June 07, 2016 04:56AM
Ann - is there something I can help answer for you?

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Stay away from this company. My contract was terminated and they paid me for my book of business. It has been over one year, now they know that I am going to go after my old client, they filed a complaint with Department of Insurance. they made several phone calls.

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Can you tell me about your experience after 1 year? I'm currently going thru something similar, their non compete sucks. I'm also worried about paying back all the subsidy I got. Hope to hear from you soon

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Hello,
My contract was terminated almost a year ago. I haven't been able to repay them my subsidy loan, can you tell me about your experience with that? They also summited a complain with the state, the assholes want for me to lose my license. How about the noncompete, any issues with that?

Thanks,

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Count me in on lawsuit. I have a story similar and proof and other agents

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Re: Contract Breeched & Terminate - Hosed by Farmers
February 01, 2017 05:03PM
I am currently in the same situation as mine occurred couple weeks ago. I have power house attorneys I consulted with and would love to pursue the claim and advised it will be a lot stronger with more than one party. Contact me if interested.

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I have been a Farmers agent for 8 months and I have nearly starved to death. I had a great career as an independent P &C adjuster and was recruited by Farmers Insurance to be an agent.
The training is not that great and after training they throw you overboard and you have to learn on your own time and expense. I have decided to close my agency because I feel that I was deceived and lied to by the recruiter and onboarding specialist and I did not know that the products were not competitive and that the company has a very narrow and conservative business model that excludes the majority of the people and businesses.
I have lost a large amount of money and I am now trying to pick up the pieces and move on. Please do not even think about joining the Farmers Insurance Company unless you want to starve and go bankrupt.

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Re: Contract Breeched & Terminated - Hosed by Farmers
February 20, 2017 05:07PM
Farmers Insurance Sues Snidely Whiplash AKA XXXXX and Loose $100,000+ in attorney fees and $27,000 to Forensic Technicians. The Plaintiffs are informed and there on believe and there on allege that, XXXXXl is aka Snidely Whiplash. Case # CV-2013-9549 Judge Lansing Haynes Presiding

Why would these management companies, Farmers Insurance Group “FIG” and Farmers Group Inc. “FGI” want to stop Snidely Whiplash so badly. Who really is Snidely Whiplash?

Could it be that Snidely Whiplash sent out emails to a couple thousand Farmers agents a multitude of times wherein he desecrated the sacred and holey name of the management companies FIG and FGI, in stories sent to the agents. Farmers Sues Snidely Whiplash: Idaho Career Agent: Career`Agents Don’t Borrow Money Sell That Extra Kidney:
The Hose Monster Did Terrible Things To Me: Career Agents Use a Taser Gun First: Career Agents Marry A Rich Woman: Fig Your Dog Tried To Bite Me: As The Warriors Fall:
Career Agents Have A Good Woman: The Farmers Credo:

Farmers Insurance Group requires all their agents to pay for an e-mail address from them, which they monitor and restrict/delete all emails they do not want their agents to read. Thats right they treat all the agents like mushrooms.

If anyone can email thousands of Farmers Agents and get a message through their restrictive filtering methods, you are a very big threat to their control over the agents and all information they are trying to restrict.

Plaintiffs Ex. 13 Redacted

Farmers Sues Snidely Whiplash

I am contacting you today in an effort to keep you updated on that rat bastard Snidely Whiplash and the lawsuit we have going against whoever he is or they are.

We had our Legal Council go to great length to distort, and misrepresent in whatever manner necessary to deprive Snidely Whiplash of his Constitutional Rights.

We took the concept of how would a reasonable and prudent person perceives his statements and trash can it. There is no room for verbiage like prudent, reasonable, logical or free will. These would be stumbling blocks to our disguise of the truth.

So back in May the Farmers Insurance Exchange directed their attorneys to file a complaint against Snidely Whiplash and a bunch of John Does.

We really didn’t and still don’t know who we are dealing with.

We filed the complaint in California Superior Court BC458700. We charged all these John Does with Intentional interference with contract, cause we want to fire the agents, not have them dummy up and quit.

We charged them with intentional interference with prospective economic advantage.

We know everyone is priced better than we are, but we have to charge more for Daddy Zurich.

Then we charged them with unfair competition in violation of professional code, like he calls us names and that’s not fair. Last of all we tried to get injunctive relief.

This is where we make all the agents that talk back pay for it by suing them for a million dollars and trying to break them in court. But this isn't working because we can’t find out who all these John Does are.

We didn’t have the balls to charge him with sending emails to the agents, cause we are really screwing with the agent's rights on that one.

We had to try and stop this scum form telling the truth about what we do to the career agents.

So our attorneys had to disregard their morals, as if they really had any, and lie their butts off in order to make our complaint sound like Snidely Whiplash was a terribly violent guy, with threats of violence and other stuff.

Like in one of those damed stories of his about straddling the commode and just getting a hold of that little chicken neck DM of yours and start screaming because FIG isn’t listening. Well we
tried to tell the judge that meant Snidely Whiplash was going to grab one of our trusted district managers in a violent fit of rage, when everyone really knows what he had a hold of that reminded him of our district manager’s.

Well we have to do something or we are really going to be hurt by this guy if we can't shut him up. It’s not fair that he calls us name’s, I am not a Dead Wood Pecker Head!

If he should ever give any of the career agents his method, why we would have every agent or career agent we screw over harassing us for a long time, that would be a lot of bad attitude bears out there the way we hose um. Why we just trash canned over 400 agents at one time in Austin Texas.

The California judge didn’t buy our sad story and ordered a Notice of Case Management Conference for some time in August.

While that was going down, I had the attorneys file a subpoena with the court to try and find out just who we were dealing with. Then we could drag him into court and with our attorneys and deep pockets we would break him like we do to shut up all the other agents that talk back to us.

So we Subpoenaed Google, Live.com, AOL.com and Yahoo.com and got a bunch of Internet Provider numbers.

Now we had several IP numbers to track. I thought we had this guy by the short hairs at that time. All we had to do is Subpoena Frontier Communications to get the real name for this pain in the ass. This guy has some kind of tricky thing going.

We spent all that time crawling through his kitty litter box trying to get something on him and the only thing we got on him was a free meal.

There was no way to track him down through his emails. We could not get a name for whoever owned all those IP numbers. We are still stuck trying to sue John Doe 1 to 10 and once again that somofabeach has eluded us.

I don’t know what we are going to do with this case management thing in August, as we sure as hell don’t want Snidely Whiplash to file a Motion of Discovery and make us enter as a part of the court records, the postings to the United Farmers Agent Association public bulletin board and all the emails that were sent to the agents.

All that would be made a part of the Court Records for all the public to have access to. I mean he might as well have his own Public Bulletin Board that we can’t get rid of if that happens.

Anyway what we all here at FIG want is, for all you agents not to believe anything you hear, except what we tell you. Then things will be better for us.

Why can’t the rest of you agents be good little suck ups like Johnny Farmers, and earn your free tube of chap stick too?

Snidely Whiplash says that the attitudes of all us here at the Farmers Insurance Group can be found, laying on the floor, under the perch, in the chicken house.

So just to show all you out there, our attitude towards the agents and how much we appreciate all you do. We here at the Farmers Insurance Group have instructed all of the district managers to start giving all you agents that qualify, FREE PROSTATE EXAMS.

We have instructed the district managers not to blow in any of the agent's ears and to keep an arms distance away, as we do not want this to be mistaken for an employee benefit.

Be a part of the team and take it like a man. Or we will terminate you.

Just kidding, we won’t terminate you. You are all independent agents, right? This is just the Farmers Way. We still have that going don’t we?

After your exam, you qualify to cast your vote for your district manager to win the best hand/coach of the year award. They are all competing for their jobs in this one. Help him out for all he does to/for you.

Who knows, you just may get another big thumbs up from your district manager!

Snidely Whiplash Copyright 2011 How do you like me now, as wholes?

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The farmers ways....you work for them as agent, they tell you what to do, at the end they get to charge you for huge debt when you left the company or they terminate you and keep your contract value. Your loss their gain. Sold your policies to others agent. They have to termintae you based on company policy to get and make profit out of you.

All subsidy they paid you for lead and office supply, you are given tax form, paid tax for it and now they want their money back after you paid tax on it.

Go to google type in farmers lawsuit, you will see pending case agent agaisnt Farmers. If you want to avoid debt, dont becone Farmers agent.

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I find it funny that ten some odd years later the Value not Price thing is still relevant here. I know a Farmers recruiter and he hit me with the same line more or less. The more I look at it and how fast they are trying to pursue me the more I'm going to look elsewhere. I was going to give it a go for a year and take the "bonuses" and go citing non-competitive products but I'm thinking maybe not. Phew I almost landed in a jackpot on this one. Glad I googled Farmers Agent Contract and this site was at the top.

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Hello, I am a former farmers agent and I need your help to attest from your post of how bad their training and systems are. please keep this hidden

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No shit, I was an agent for long time. They terminate my contract submit false information to Finra and State commisioner I lost my license and everything and they still charge me with debt. Monster company. We should join class action against this company.

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I was hired by Farmers Insurance January 6, 2015. I was given Rookie of the year award and Blue Vase and wrote 480 policies and 21 commercial accounts and I was Terminated by Farmers Insurance on May 22, 2017 saying I was unethical. I've experienced all thats been posted here and even tho this is an older post everything here is exactly true and correct. Farmers Insurance is by far the worst company I've ever worked for and they definitely deserve a class action law suit filed against them. I'm now working as an independent agent at this time but I wanted everyone to know that what you posted here is extremely accurate and true.

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If you were terminated or have a breach of co tract for Farmer's Insurance as a Reserve Agent in Indiana please contact me immediately!

My email is jjulius9986@gmail.com and we can set up a time to discuss.
I'd like to see if others in Indiana were impacted similar to the ones above.

Thank you!
Jennifer

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AGENT,

Please, PLEASE contact me!! I am currently dealing with similar issues with a company I contracted with. I have the contract and have proof of discrimination. And they wrongfully took all my accounts. The refuse to give me a written letter as of why, which I have screen shots of the refusal. But wont "fire me" but yet took every account and option I had to earn. I have proof of discrimination on multiple levels, but would like to speak with someone in a similar position.

JS

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We are helping Farmers agent like yourselves with the current issues you're going through. You aren't alone! Send me a note zach@pacificcrestinsurance.com

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Can you get in touch with me, I still you are still under the status of limitation to join my lawsuit.
email: ustravel2019@gmail.com

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Thank you for sharing, I too have experienced something similar. I purchased an existing agency and increased New business sales by 241%, producing an additional 329 policies my first year, yet I struggled to make ends meet due to the fact they reduced service commissions and quite simply my loan and other deductions were much higher than estimated. I partly blame myself, because I saw more potential in the agency than was actually there and I trusted my DM, I guess I should say I trusted my DM's staff. He was pretty much nonexistent in the acquisition process. Anyway I was actually told I couldn't purchase the outside book of business from the previous agent and that was not the case. I found out the day we signed the contract that I could purchase the outside book, which would have amounted to about 600 additional policies and had I done so, the previous agent would not have gone independent just 1 mile from my office.

Again I appreciate your post, I am trying to figure out how to get out of this, but I don't see an end in sight yet

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Re: Contract Breeched & Terminated - Hosed by Farmers
January 26, 2019 11:03PM
I was never an agent but an employee in a claims office. I have heard this story many times from many people and even had the managers at the office laugh and say that this was an obvious pyramid scheme. They get people who sign up for the agency, you have to use their equipment and service that is over blown, they fail you in accounting and customer service, they push you to get as many family members as possible and then when you fail, they charge you for a loan that they knew within reason would be supplied to someone who would fail.

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Hi

I am an ex Farmers Agent in WA State. I need to find other ex Farmers agents in the state of WA for the last 5 years. I strongly believe that I have a case against Farmers for treating us like W2 employees instead of 1099 contract employees. I would love to talk to other ex Farmers Agents to see if they have had the same experiences like mine.

Please email me at tinamschlieve@yahoo.com

Thank you!

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Class action lawsuit... yes I'm in and more than ready to fight Farmers! I just wish I could find a legal team willing to take them on!

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I am a current agent and was just put on the 90 day notice. I purchased my book from an ex-agent, and am paying on it. Does anyone know how it works when they take your book? Do they pay you out or are you left with the debt? I am trying to decide if I should just sell the book back to the company now before the 90 days.

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I have some info for you. Also just heard they sent the 90 days to 1000 agents last week.
How can I call you?

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