The Farmers Insurance Exchange, Fire Insurance Exchange and Truck Insurance Exchange are California inter-insurance exchanges owned by their policyholders. Each of the Exchanges is governed by its own Board of Governors, which in turn appoints the Exchange's officers.
Farmers Group, Inc., or one of its wholly owned subsidiaries provides certain administrative services for each Exchange pursuant to a power of attorney. Farmers Group, Inc., has a Board of Directors, which in turn appoints Farmers Group, Inc.'s officers.
The Exchanges do not hold an ownership interest in Farmers Group, Inc., or its subsidiaries, and neither Farmers Group, Inc., nor any of its subsidiaries holds an ownership interest in any of the Exchanges.
Jeff Dailey is C E O of Farmers Group, Inc. (Farmers).
Dailey joined Farmers in 2007 as President of Personal Lines when Farmers acquired Bristol West. He had been the Bristol West C E O since 2006. In January 2011, he was promoted to the position of President and Chief Operating Officer (COO) of Farmers Group, Inc. Dailey was named to his current role of C E O of Farmers Group, Inc. effective January 1, 2012.
Dailey’s career in the insurance industry spans more than three decades. After a short stint as a claims adjuster with Mutual Service Insurance, he joined Progressive Insurance Company and quickly moved up the ranks. He went on to form Reliant Insurance Company, an auto insurance start-up owned by Reliance Group Holdings, which was sold to Bristol West Holdings Inc. in 2001. From 2001 until 2004, Mr. Dailey was C O O of Bristol West and, in 2004, he was named President of Bristol West. He was instrumental in taking the company public with its listing on the New York Stock Exchange (NYSE:BRW) and the sale of $345 million of common stock. Dailey was named Bristol West’s Chief Executive Officer in 2006.
Education: Dailey holds a Bachelor of Science degree in economics from the University of Wisconsin-Madison and an M. B. A. from the University of Wisconsin-Milwaukee.
Deborah Aldredge is Chief Administrative Officer for Farmers Group, Inc. In this role, she oversees the Human Resources and Learning & Development functions (e. g. University of Farmers) and Real Estate while providing administrative oversight for the Audit & Risk functions and Brokerage Operations.
Aldredge has more than 25 years of experience in human resources and corporate learning. Prior to joining Farmers, her experience included senior human resources, learning and development, and performance roles at Bank of America, Merrill Lynch and Thomson Financial.
Education: B. A, University of Iowa
Keith Daly is the President of Personal Lines. In this role, which he has held since 2018, he oversees all product development, strategy, and underwriting efforts for the Farmers® Personal Lines, Bristol West® and Foremost® lines of business, representing roughly $17B in annual premium and 13 million customers. In addition, Daly is responsible for Toggle, the subscription-based Renters insurance program designed for Millennials and Farmers Service Operations, which provides approximately 70K daily policy-related services by phone, chat and internal transactions to agents in the exclusive and independent distribution channels, as well as customers in the direct channel.
Daly joined Farmers in 2009 through the acquisition of 21st Century Insurance. Since that time, he has held a variety of executive positions, including leading both the Property and Auto Claims units. Prior to his current role as President of Personal Lines, Daly served as Chief Claims Officer.
Daly’s career in the insurance industry began in 1993 as a claims representative trainee at Progressive Casualty Insurance Co., in Atlanta, GA. While at 21st Century, Daly served in a number of senior leadership roles and was the vice president of Field Claims Operations prior to joining Farmers.
Education: Bachelor of Science, Economics, Florida State University
Sharon Fernandez is President of Business Insurance. In this role, Fernandez is responsible for a broad product portfolio including Property, Liability, Business Auto, Workers’ Compensation, Umbrella, E P L I and Cyber Liability. The team helps protect most aspects of our customers’ businesses, from natural disasters to employee injury.
Prior to this role, Fernandez was the President of Bristol West and was responsible for leading the more than 800-employee business unit, delivering customers the security of a comprehensive range of automobile insurance coverages at competitive prices.
Since joining Farmers in 2008, Fernandez has held a number of roles, including Head of Service Operations, where she was responsible for the leadership, strategy and infrastructure of service for the Farmers, Foremost, 21st Century and Bristol West brands – a business unit consisting of 2,800 employees in 10 locations.
Fernandez has more than 25 years of insurance and financial services experience, having spent nearly two decades with U S A A prior to joining Farmers. In her role at U S A A, Fernandez led several multi-site operations that provided customer service, billing support and sales of personal lines insurance, life insurance and banking products. She also served as Senior People Officer leading an HR organization supporting more than 10,000 employees. In addition, her responsibilities included extensive experience in workforce planning, organizational design, training, project management and process engineering.
Education: Fernandez holds an M B A and a B A from St. Mary's University and an M S from Texas A & M. She also completed executive training programs at Darden and Wharton.
Melissa JoyeChief Customer Experience Officer
Melissa Joye joined Farmers in 2017 as the company’s first Chief Customer Experience Officer to help deliver on its customer-centric strategy. In addition to defining the company’s vision for customer experience and enhancing key capabilities, she and her team work across the business to design, re-engineer and digitize key customer journeys to deliver an easy experience.
Prior to joining Farmers, Melissa was based in London at American Express, where she led the Strategic Planning Group for the international portion of the business. She was previously a Principal at Bain & Company with a focus on serving clients in the financial services and private equity sectors. Melissa started her career in investment banking and then high yield bond research at Banc of America Securities in New York.
Education: M.B.A. with honors, Wharton School, University of Pennsylvania; B.S. magna cum laude, Economics, Duke University
Scott Lindquist is Chief Financial Officer of Farmers Group, Inc. He joined Farmers in 2008 and is responsible for all financial related matters for Farmers Group, Inc. Lindquist's responsibilities include financial accounting and reporting, planning and performance management, investments, treasury, actuarial, tax, procurement, fleet and finance operations. In addition, Lindquist has oversight responsibilities over Farmers’ direct-to-consumer brand, 21st Century Insurance. He also serves as a member of the board of directors of Farmers Group, Inc. and Farmers New World Life Insurance, and is Chairman of the Board of the Farmers Insurance Group Federal Credit Union.
Before joining Farmers Group, Inc., Lindquist served as Chief Accounting Officer for three successive years each at Genworth Financial, Inc., and The Phoenix Companies, Inc. Lindquist played a key leadership role in the transformation of each company's finance organizations as they transitioned to a public company environment.
In addition, he was a member of PricewaterhouseCoopers' national insurance audit practice for 14 years, the most recent two years as partner. Lindquist served a variety of U.S. and international insurance clients in a variety of audit and advisory assignments, including initial public offerings, demutualizations, mergers and acquisitions and other capital transactions.
He is a Certified Public Accountant (inactive), Certified Internal Auditor and a member of the American Institute of Certified Public Accountants.
Education: B.S., Pennsylvania State University, State College, Pa.; M.B.A., University of Connecticut, Storrs, Conn.
Steve McAnena is the President of Distribution, Life and Financial Services. Steve joined Farmers in July 2019 and leads our Sales and Distribution efforts in addition to overseeing the Farmers New World Life and Farmers Brokered Solutions business units.
Steve has more than 25 years of service with Liberty Mutual Group where he previously held several leadership roles, including serving as President of Business Insurance, Executive Vice President of Global Retail Markets, President of Liberty Mutual Benefits, and Executive Vice President of Commercial Insurance. In each of these roles, Steve helped cultivate already strong relationships with independent agents and brokers. Additionally, Steve served as President, Liberty Mutual Personal Lines Distribution and Executive Vice President, Personal Lines Chief Product Officer at Liberty Mutual Group where he led initiatives that include growth and line strategy, pricing, underwriting, predictive model building and catastrophe management strategies.
Education: Bachelor of Business Administration, Actuarial Science, Temple University in Philadelphia
Aidan Mc Glinchey is Head of Strategic Planning and Execution at Farmers. In this role, Aidan leads the continued execution of the Farmers strategy and partners with the senior leadership team to identify new areas of strategic opportunity. He also has oversight for Farmers enterprise LEAN team and P M O organization.
Aidan has extensive experience in insurance, specifically in underwriting. He was previously Director of Strategic Planning at Farmers. Prior to joining Farmers in April 2017, Aidan was at Zurich where he served as Strategic Assistant to both the E M E A, Chief Underwriting Officer & Chief Claims Officer, based in Dublin, Ireland. He was also part of a Zurich group strategy taskforce charged with developing the Zurich strategy.
Aidan started his professional career with Zurich in 2010 as a member of the Global Associate Program, international graduate management training program.
Education: Aidan is a qualified Chartered Insurer and completed the Advanced Diploma in Insurance from the Chartered Insurance Institute, London, U K. He also holds a Master’s in Management from the U C D Michael Smurfit Graduate Business School, Dublin, Ireland.
Steve Weinstein is General Counsel for Farmers Group, Inc.
Weinstein joined Farmers after working as the Chairman of the Executive Committee for Barger & Wolen LLP. During his time at the firm, Weinstein handled a wide-range of complex business litigation and regulatory matters. Weinstein has experience in state and federal court class actions, bad faith and coverage litigation, unfair trade practice litigation and regulatory litigation for property-casualty and workers’ compensation insurance companies.
While in private practice, Weinstein represented insurance companies throughout the United States, appearing before both state and federal courts. This representation included practicing before trial, appellate and supreme courts. Weinstein also specialized in administrative law and represented insurers in matters before Departments of Insurance, including matters involving rating practices, unfair claims practices, market conduct examinations, noncompliance orders, orders to show cause, enforcement actions, the development of regulations and administrative hearings.
Education: J.D., cum laude, Southwestern University of Law; B.A., University of California, Los Angeles
Paul Wilson is chief information officer at Farmers Group, Inc. In this role, Paul is responsible for overseeing the development and execution of all strategic IT initiatives.
Prior to joining Farmers, Wilson served as Group IT Leader and Chief Information Officer at Westfield Insurance. Prior to this, he was with Progressive Casualty Insurance for nearly 28 years serving in a variety of technology and business-related roles, most recently as a key IT applications executive leading Claims, Personal Lines, Commercial Lines, and Corporate IT functions.
Wilson is a member of the Corporate Executive Board and of the Accenture Insurance Innovation Executive Board. He is passionate about developing the teams he leads and has attended executive training courses at Harvard Business School for executive education.
Education: BS Applied Math, University of Akron, Ohio; BS Computer Science, University of Akron, Ohio; MBA, University of Akron, Ohio.
Rob Howard is Chief Claims Officer for Farmers. He was promoted to his current role in June 2018 after serving as the Head of Claims Shared Services since 2014. As the Head of Claims Shared Services, Howard led business units focused on providing services to the Claims organization and customers, including the Claims Contact Centers, Claims Support Services, Claims Training, the National Document Center, Special Investigations Unit, Strategic Initiatives and Subrogation.
Howard joined Farmers in 1987 as a claims representative in St. Louis, Missouri, and relocated to Southern California in 2000 when he became a technical manager for the California Zone. He then moved through a number of Claims managerial and directorial roles before joining the Farmers Claims senior leadership team as Head of Claims Compliance in 2009. In 2012, he became the Head of Property Field Claims.
Education: B.A., William Jewell College.
Frank Carni is Head of Auto Claims for Farmers. He joined the company in July 2014 from Hanover Insurance Group in Worcester, Mass., where his tenure as Vice President, Claims, included strategic and operational responsibilities for the Personal Auto, Commercial Auto, Property Liability and General Liability business units.
Before joining Hanover, Carni held leadership positions at The Hartford Financial Services as Senior Product Manager for personal lines and Regional Vice President of Claims, with responsibilities for auto, property and call center operations in the company's Claims Service Center. Earlier, he took on claims roles of increasing responsibility at Progressive Insurance Companies.
As Head of Auto Claims at Farmers, Carni is responsible for executing on the claims strategy for internal and field Auto and Personal Liability Claims operations.
Education: B.A. Accounting, University of West Florida; Executive MBA, University of Texas at San Antonio; Society of Claim Law Associates
Tim Felks was named head of Property Claims for Farmers Exchanges in late 2013, moving to that role from his post as head of Mountain West Auto Zone, a job he’d held since late 2011.
Tim joined Farmers in 1997 as an A P D field claims representative in Little Rock, Ark. He soon cross-trained in Property and began working both auto and property claims. After completing the Claims Management Trainee Program, he moved to Olathe, Kans., where he first served as a Property claims supervisor and then as a Property claims administration manager.
Tim then moved to Chicago to manage the Illinois/Wisconsin Property office, before returning to Olathe to run the National Property claims team and the Efficiency Corps. He then returned to APD as Claims Director for Centralized Auto Claims.
Before joining Farmers, Tim served for eight years as a member of the United States Air Force. He is a graduate of Wayland Baptist University in Anchorage, Alaska.
Thomas Noh is the Chief Financial Officer of the Farmers Exchanges, a position he has held since 2019.
Beginning his insurance career in 1989, Thomas started as an accountant and worked at Transamerica and Allianz. In 1996, he joined Farmers as an accounting specialist in the External Financial Reporting department. He was promoted to manager in 1999 and has held finance positions in Personal Lines, S A P and Property Claims. He became a Claims Finance Director in 2006 and was appointed as Assistant Vice President in 2010. In 2013, Thomas took on the role of Head of Claims Finance, Analysis and Quality Assurance.
Thomas also retired from the United States Army Reserve after 24 years of service as a Finance and Civil Affairs officer.
Education: Thomas has a bachelor’s degree from California State University, Northridge and a Masters in Business Administration from California State University, Dominguez Hills.
Craig Orraj is Head of Business Insurance Claims for Farmers. He joined the company in 1996 and has held leadership positions in Claims Litigation and Auto Claims, where he served most recently as Head of West Zone Auto Claims. Orraj’s work in Claims Litigation included assignments as division, managing, supervising and trial attorney.
Before moving to Farmers, Orraj was an attorney in private practice, handling insurance defense litigation matters.
As Head of Business Insurance Claims, Orraj has responsibility for driving Business Insurance Claims’ strategy to produce positive claims outcomes and deliver on Farmers’ commitment to our business insurance customers.
Education: B.S., Arizona State University; Juris Doctor, University of Arizona.
Tim Murray is Head of Claims Shared Services. He was promoted after serving as Head of National Operations and Property Strategy since 2015 and has been with the company since December 2000. Murray served as a Claims Representative, Supervisor, and Manager for over 10 years with Subrogation before joining the Property operation in 2011 as the Specialty Staff Claims Manager and later as the Zone Manager for Large Loss for the Eastern Field Property operation. Murray then served as the Western Field Property Zone Manager and in February 2014 as the Central Property Field Zone Leader.
As Head of Claims Shared Services at Farmers, Murray is responsible for leading the business units that provide services to the Claims organization and its customers, including the Claims Contact Centers, Claims Support Services, the National Document Center, Special Investigations Unit, Strategic Initiatives, Subrogation and the Claims training component of the University of Farmers.
Education: B.S. Law Enforcement and Justice Administration, Western Illinois University