Several years ago, they made some bad hires at the senior executive level, and they brought in more bad hires. Those bad hires chased out all the people who made the company work. The new management now consists of people who came from supervisory positions from name-recognized companies. Those lower level managers now have more responsibility than they were ever equipped to handle. The support infrastructure to which they were accustomed, does not exist at Assurant, and they don't know how to build it. Now there is no one left at Assurant to teach them what they don't know, and now there are more deficiencies than competencies.
Management also does not care about anything except their own careers, so they spend all their time developing their next career moves, so they have a soft place to land when everything collapses beyond recovery.