Relationship between Farmers Group, Inc. and the Exchanges

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.

Officers of Farmers Group, Inc.


Jeffrey Dailey

Chief Executive Officer

Jeff Dailey is CEO 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 CEO 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 CEO 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 COO 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

Chief Administrative Officer

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

President, Personal Lines

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

Darla Finchum

Darla Finchum

Head of Workplace Solutions

Darla Finchum is Head of Workplace Solutions for Farmers Group, Inc. In this role, she’s responsible for delivering Property & Casualty products through national and regional employer accounts. The products her team develops will also be sold through Independent Agents, Exclusive Agents, and Affinity groups. 

Prior to joining Farmers, Finchum was the Senior Vice President and General Manager of MetLife Auto & Home. Finchum was responsible for driving sustainable growth and transforming the business to meet the needs of today’s technology-focused consumers.

Finchum has spent her career in Property & Casualty insurance, beginning with Economy Fire & Casualty where she held positions of increasing responsibility in the Claims organization. In 1994, she joined the St. Paul Companies where she held management positions in claims, underwriting and sales. She joined MetLife in 2000 and held multiple roles including Chief Claims Officer at the company before joining Farmers in 2021 through the acquisition of MetLife Auto & Home.

Education: B.A., University of Wisconsin – Platteville, MBA from Keller Graduate School.


Giles Harrison

Chief Financial Officer

Giles Harrison is Chief Financial Officer for Farmers Group, Inc. He is responsible for all financial matters including financial accounting and reporting, planning and performance management, investments, treasury, actuarial, tax and finance operations.

Harrison has held several key leadership positions at Zurich including his recent role as CEO Regional Markets EMEA (Europe, Middle East and Africa) overseeing Zurich operations, and Head of Group Mergers & Acquisitions overseeing 40 transactions in 5 continents. Prior to that he served as Global Co-Head Financial Institutions Group, Global Banking & Markets at HSBC Group.

Education: B.A. Oxford University, Oxfordshire, England; M.B.A, Harvard Business School, Cambridge, MA

Jim Hinchley

Jim Hinchley

President of Farmers® Business Insurance

Jim Hinchley is the President of Farmers Business Insurance, overseeing all aspects of the Business Insurance organization including, underwriting, product, strategy, finance, and new markets.

Jim joined Farmers in 2021, bringing with him an extensive background in the insurance industry, including a career with Liberty Mutual spanning nearly 22 years. Prior to joining Farmers, Jim served as Chief Operating Officer for North American Specialty at Liberty Mutual. At Liberty Mutual, Jim also held a series of leadership positions which included, Executive Vice President of Global Specialty, Executive Vice President of Business Insurance, Chief Underwriting Officer of Commercial Markets, and Chief Operating Officer of Liberty Mutual Reinsurance. Throughout his career, Jim has demonstrated achievement managing all functional insurance areas and overseeing a variety of commercial lines businesses.

Education: Jim earned his M.B.A. from the Massachusetts Institute of Technology and holds a B.A. in Business Administration from the University of Western Ontario.

Melissa Joye

Melissa Joye

Chief Marketing Officer

Melissa Joye is Chief Marketing Officer, overseeing the Farmers brand and marketing strategy, advertising, lead generation, research and analytics as well as customer experience initiatives that deliver on our customer-centric strategy. 

Melissa joined Farmers in 2017 as the company’s first Chief Customer Experience Officer and was named Chief Marketing Officer in 2021. As Chief Customer Experience Officer, Melissa defined the company’s vision for customer experience and enhancing key capabilities, and built a team that worked 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.


Steve McAnena

President, Distribution, Life and Financial Services

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

Head of Strategic Planning and Execution

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.

Tina Shaw profile image

Tina Shaw

Chief Risk Officer for Farmers Group, Inc.

Tina Shaw is Chief Risk Officer for Farmers since January 2019.  In her role as Chief Risk Officer, Tina oversees the risk management function which continues to help the business succeed and provides challenges and insight. The risk function is responsible for the implementation of the risk framework and risk oversight/monitoring relative to risk appetite and tolerance so that the company is able to achieve its strategic goals.

Tina has been with Farmers since 2001 in various roles supporting Farmers business objectives by advising senior management on reinsurance strategies and profitability goals.  In recent years, she spearheads the production of Farmers’ Own Risk and Solvency Assessment (ORSA) and manages the relationship with regulators regarding capital and solvency.  Her other responsibilities include managing the rating agencies’ relationship working in concert with the Exchange CFO.  In the ten years prior to her role in capital modeling, she managed the Farmers personal lines reserves of $5B.

Before joining Farmers, Tina has held several positions in the insurance industry. She was a manager at Deloitte’s Actuarial & Insurance Consulting where she performed audits and provided actuarial consulting services. In her time at the National Council on Compensation Insurance (NCCI), she managed the roll out of new open market workers compensation loss costs in the State of Nevada.  She began her career working in a risk management capacity at an insurance brokerage firm.

Education: Tina received her bachelor degree from UCLA in Math and Applied Science.  She is a fellow of the Casualty Actuarial Society and member of the American Academy of Actuaries.


Steve Weinstein

General Counsel for Farmers Group, Inc.

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

Chief Information Officer

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.

Officers of the Exchanges


Rob Howard

Chief Claims Officer

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

Head of Claims Shared Services

Frank Carni is Head of Claims Shared Services for Farmers. He joined the company in July 2014 as Head of Auto Claims. Prior to joining Farmers, Carni was with 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 Claims Shared Services, Carni is responsible for leading the business units that provide services to the Claims organization and its customers, including the Claims Contact Center, 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.A. Accounting, University of West Florida; Executive MBA, University of Texas at San Antonio; Society of Claim Law Associates.


Tim Felks

Head of Property Claims

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

Chief Financial Officer

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

Head of Business Insurance Claims

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

Head of Auto Claims

Tim Murray is Head of Auto Claims for Farmers. In this role, he is responsible for Farmers automobile claims and personal liability claims operations. Prior to his current position, Tim was promoted to Head of Claims Shared Services in 2018 and was responsible for leading the business units that provide support services to the Claims organization and its customers. 

Murray joined Farmers in 2000 and served as a Claims Representative, Supervisor, and Manager for over 10 years with Subrogation Claims. He then joined the Property operation in 2011 and served in a variety of senior management roles including Specialty claims, Large loss and field operations. He served as the Head of National Operations and Property strategy before moving to Claims Shared Services. 

Education: B.S. Law Enforcement and Justice Administration, Western Illinois University.