A trade union (or labor union) is an organization of workers who have come together to achieve common goals such as protecting the integrity of its trade, improving safety standards, achieving higher pay and benefits such as health care and retirement, increasing the number of employees an employer assigns to complete the work, and better working conditions . The trade union, through its leadership, bargains with the employer on behalf of union members ( rank and file members) and negotiates labor contracts ( collective bargaining ) with employers. The most common purpose of these associations or unions is "maintaining or improving the conditions of their employment ".  This may include the negotiation of wages , work rules, complaint procedures, rules governing hiring, firing, and promotion of workers, benefits, workplace safety and policies.
Take the automotive-insurance industry, in which most companies have a large base of seemingly loyal customers who renew every year. Our research found as much as a sixfold difference in the ratio of active to passive loyalists among major brands, so companies have opportunities to interrupt the loyalty loop. The US insurers GEICO and Progressive are doing just that, snaring the passively loyal customers of other companies by making comparison shopping and switching easy. They are giving consumers reasons to leave, not excuses to stay.