• Home
  • Latest
  • Fortune 500
  • Finance
  • Tech
  • Leadership
  • Lifestyle
  • Rankings
  • Multimedia

Trendingnow

1

Corporate America has been draining the world's water. Matt Damon's new campaign calls on Gap, Starbucks, and Amazon to help give it back

2

When SpaceX starts trading, some 'shareholders' will discover they own nothing at all

3

Current price of oil as of June 12, 2026

1

Corporate America has been draining the world's water. Matt Damon's new campaign calls on Gap, Starbucks, and Amazon to help give it back

2

When SpaceX starts trading, some 'shareholders' will discover they own nothing at all

3

Current price of oil as of June 12, 2026
CommentaryFortune 500

What a Sub Shop Taught This Executive About New Opportunities

By
Frank Carni
Frank Carni
and
Bethany Cianciolo
Bethany Cianciolo
Down Arrow Button Icon
By
Frank Carni
Frank Carni
and
Bethany Cianciolo
Bethany Cianciolo
Down Arrow Button Icon
November 18, 2015, 11:30 AM ET
Courtesy of Farmers Insurance

The Fortune 500 Insider Network is an online community where top executives from the Fortune 500 share ideas and offer leadership advice with Fortune’s global audience. Frank Carni, head of auto claims at Farmers Insurance, has answered the question: What’s the biggest lesson you learned from your first job?

First jobs often lay the foundation for the kinds of employees and managers we ultimately become. I know mine did.

When I was 15 years old, I landed my first real job with a mom-and-pop sub sandwich shop. The job wasn’t difficult—all it really required was being friendly, working the register, and making sandwiches—but I showed up on time every day, did my duties well, and took home some valuable lessons.

Of those first lessons, these three had the greatest impact on me and represent some of the values I try to reinforce in the employees I lead today:

Take the time to connect with your customers
At the sub shop, I would chat with customers while working the counter, and over time, built a certain rapport with them. I didn’t realize it until a coworker told me one day that customers were asking about me on my days off. To have that kind of an impact on someone when you’re just making a sandwich was a surprise to me. Today, I stress the importance of connecting with our customers who are dealing with the impacts and anxieties of an accident or claim. We have the opportunity to make a difference in their lives.

Encourage ownership and accountability
I had only been working at the sub shop for a couple of months when, one afternoon, I was pulled aside and asked to lock up the store that night—a huge responsibility for someone who wasn’t even old enough to drive. I remember having a true sense of ownership. I had been trusted with something important—something larger than my usual job.

See also: What every CEO can learn from professional athletes

I’ve kept that feeling close at every job since, looking for ways to build trust and responsibility, no matter what position. Now, as a leader at Farmers Insurance, I look for ways to encourage that greater sense of ownership and accountability among the members of my organization. It’s important to empower people and give them the opportunity to have the discussions with customers that solve problems and generate new ideas.

Take the job where you can make the biggest difference
Working at a sub shop wasn’t glamorous, but there was opportunity to grow as an employee. I was able to learn and take on additional responsibilities—like locking up the store some nights—that made the business run better and helped prepare me for future positions. That’s the kind of environment I’ve looked for whenever considering new positions over the years. Regardless of salary level or title, I ask these three questions: “Will I have the ability to improve things at this company?” “How will I add value?” and “What skills will I learn in the process?” If you’re able to make a difference, everything that comes with fulfillment and success will ultimately follow.

I’ve had many different jobs since working for the sub shop, but I’ve never forgotten what it taught me: Connect with customers, take ownership, and look for opportunities where you can make a difference.

About the Authors
By Frank Carni
See full bioRight Arrow Button Icon
By Bethany Cianciolo
See full bioRight Arrow Button Icon

Latest in Commentary

Finance
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam
By Fortune Editors
October 20, 2025
Finance
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam
By Fortune Editors
October 20, 2025
Finance
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam
By Fortune Editors
October 20, 2025
Finance
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam
By Fortune Editors
October 20, 2025
Finance
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam
By Fortune Editors
October 20, 2025
Finance
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam
By Fortune Editors
October 20, 2025

Most Popular

Finance
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam
By Fortune Editors
October 20, 2025
Finance
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam
By Fortune Editors
October 20, 2025
Finance
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam
By Fortune Editors
October 20, 2025
Finance
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam
By Fortune Editors
October 20, 2025
Finance
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam
By Fortune Editors
October 20, 2025
Finance
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam
By Fortune Editors
October 20, 2025
Fortune Secondary Logo
Rankings
  • 100 Best Companies
  • Fortune 500
  • Global 500
  • Fortune 500 Europe
  • Most Powerful Women
  • World's Most Admired Companies
  • See All Rankings
  • Lists Calendar
Sections
  • Finance
  • Fortune Crypto
  • Features
  • Leadership
  • Health
  • Commentary
  • Success
  • Retail
  • Mpw
  • Tech
  • Lifestyle
  • CEO Initiative
  • Asia
  • Politics
  • Conferences
  • Europe
  • Newsletters
  • Personal Finance
  • Environment
  • Magazine
  • Education
Customer Support
  • Frequently Asked Questions
  • Customer Service Portal
  • Privacy Policy
  • Terms Of Use
  • Single Issues For Purchase
  • International Print
Commercial Services
  • Advertising
  • Fortune Brand Studio
  • Fortune Analytics
  • Fortune Conferences
  • Business Development
  • Group Subscriptions
About Us
  • About Us
  • Press Center
  • Work At Fortune
  • Terms And Conditions
  • Site Map
  • About Us
  • Press Center
  • Work At Fortune
  • Terms And Conditions
  • Site Map
  • Facebook icon
  • Twitter icon
  • LinkedIn icon
  • Instagram icon
  • Pinterest icon

Latest in Commentary

ss
CommentaryWorld Cup
‘Soccernomics’ co-author: FIFA’s ticket strategy isn’t price discovery, it’s a wealth filter
By Stefan Szymanski and The ConversationJune 12, 2026
10 hours ago
fort
CommentaryFlorida
Ken Griffin has Miami. Stephen Ross has West Palm Beach. Fort Lauderdale had Wayne Huizenga — and it’s been winning ever since
By Jenni MorejonJune 12, 2026
18 hours ago
Three ways that Asia’s enterprises are adopting AI—and where they are falling behind
CommentaryOracle
Three ways that Asia’s enterprises are adopting AI—and where they are falling behind
By Garrett IlgJune 11, 2026
1 day ago
gordon
CommentaryVenture Capital
Gordon Ritter: I predicted AI’s learning loop a decade ago. The doomers are still measuring the wrong thing
By Gordon RitterJune 11, 2026
2 days ago
bessent
CommentarySocial Security
Social Security and Medicare are heading toward insolvency. Congress has 6 years to act
By Steve H. Hanke and David M. WalkerJune 11, 2026
2 days ago
Digital sovereignty isn’t the same thing as digital isolation. Asia’s governments should be careful
Commentarydata sovereignty
Digital sovereignty isn’t the same thing as digital isolation. Asia’s governments should be careful
By Leonard LimJune 10, 2026
2 days ago

Most Popular

Corporate America has been draining the world's water. Matt Damon's new campaign calls on Gap, Starbucks, and Amazon to help give it back
Environment
Corporate America has been draining the world's water. Matt Damon's new campaign calls on Gap, Starbucks, and Amazon to help give it back
By Catherina GioinoJune 9, 2026
4 days ago
When SpaceX starts trading, some 'shareholders' will discover they own nothing at all
Investing
When SpaceX starts trading, some 'shareholders' will discover they own nothing at all
By Jim EdwardsJune 12, 2026
18 hours ago
Current price of oil as of June 12, 2026
Personal Finance
Current price of oil as of June 12, 2026
By Joseph HostetlerJune 12, 2026
16 hours ago
American taxpayers have spent $33 billion on sports stadiums. They got fewer seats—and higher prices
Success
American taxpayers have spent $33 billion on sports stadiums. They got fewer seats—and higher prices
By Catherina GioinoJune 11, 2026
1 day ago
Analysts expected oil to surge above $200 but China has quietly kept prices half of that—and can’t for much longer
Energy
Analysts expected oil to surge above $200 but China has quietly kept prices half of that—and can’t for much longer
By Sasha RogelbergJune 10, 2026
2 days ago
Current price of oil as of June 11, 2026
Personal Finance
Current price of oil as of June 11, 2026
By Joseph HostetlerJune 11, 2026
2 days ago

© 2026 Fortune Media IP Limited. All Rights Reserved. Use of this site constitutes acceptance of our Terms of Use and Privacy Policy | CA Notice at Collection and Privacy Notice | Do Not Sell/Share My Personal Information
FORTUNE is a trademark of Fortune Media IP Limited, registered in the U.S. and other countries. FORTUNE may receive compensation for some links to products and services on this website. Offers may be subject to change without notice.