Business casual, but depending on the department you are interviewing for as well. Anything at the head office or one of the corporate positions should be business formal. Anything within Salvage, Appraisals, or Claims can be business casual.
Micromanagement and low morale within the departments. Most departments have a "keep your head down and keep working" type of work environment. Also, any promotions (if not based on seniority, due to the unionized environment), are based on an "aptitude & knowledge" test, which 9 times out of 10 has absolutely nothing to do with the actual job requirements and duties.