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Chicago, Managers of Department with Headquarters at.

Companies.

Agricultural, N. Y.,
American, Boston,
American Fire, N. Y.,
American Fire, Phila.,
American Lloyds, N. Y.,
American Central, Mo.,
Atlas, London, .
Capital Fire, N. H.,
Commercial Union,
Continental, N. Y.,
Connecticut Fire,
Delaware, Pa.,
Dwelling House, Mass.,
Farmers, York, Pa., .
Fire Association, Pa.,
Fireman's Fund, Cal.,
German-American, N. Y.,
Germania Fire, N. Y.,
German, Freeport,
Girard F. & M., Phila.,
Glens Falls, N. Y.,
Granite State, N. H.,
Guardian, London,
Hamburg-Bremen,
Hanover Fire, N. Y.,
Hartford Fire, Conn.,
Imperial, London,

Ins. Co. of North America,
Ins. Co. of State of Penn.,
Lancashire,

Liverpool and London and Globe,
London and Lancashire,
Manchester Fire, Eng.,.

Manufacturers & Merchants, Pa.,
Mercantile, Boston,
Mechanics, Philadelphia,

Merchants, Newark,

Milwaukee Mechanics,

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W.E. Spangenberg & Co.

204 La Salle St.

W. E. Rollo & Son,

J. L. Whitlock,

E. S. Walker, R. W. Meserole, Witkowsky & Affeld,. H. P. Gray, Geo. F. Bissell, Daniel C. Osmun, D. W. Burrows, R. S. Critchell, Dan. Winslow, W. S. Warren, John S. Belden, . W. W. Dudley, Pellet & Hunter,

R. W. Hosmer & Co., Pellet & Hunter,

Frank D. Rogers,

210 La Salle St. 210 La Salle St. Manhattan Bdg. 1117 Manhattan Bdg. 174 La Salle St. Security Building. 115 Monroe St. 240 La Salle St. 810 The Temple.

177 La Salle St.

205 La Salle St. 205 La Salle St. 217 Rialto Bdg. New York Life Bdg. 177 La Salle St. 158 La Salle St. 177 La Salle St.

315 Dearborn St.

W.E.Spangenberg & Co., 204 La Salle st.

Charles D. Cox, .

Charles D. Cox,

226 La Salle St.

226 La Salle St.

Fred S. James & Co., .

174 La Salle St.

C. M. Rogers,

H. H. Glidden,

J. W. Nye,
B. W. French,
Geo. M. Fisher,
D. W. Burrows,.
Eugene Harbeck,
M. F. Driscoll,
C. L. Whittemore,
Theo. W. Letton,
Joseph M. Rogers,
Deven & Sweetland,
J. J. Mayberry,
E. L. Allen,
O. C. Kemp,
A. J. Harding,

Goodwin, Hall & Henshaw
W. D. Bradshaw,
Pellet & Hunter,
M. O. Brown,

W. E. Rollo & Son,

312 The Temple.

232 La Salle St.

642 Monadnock Bdg.

240 La Salle St.
204 La Salle St.
810 The Temple.
204 La Salle St.
1019 Manhattan Bdg.
1001 Manhattan Bdg.
801 Manhattan Bdg.
Rookery Building.
208 La Salle St.
327 The Temple.
100 Royal Building.
307 The Temple.
337 Rialto Building.

417 The Temple.
177 La Salle St.
701 Royal Building.
210 La Salle St.

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LIFE.

Managers.

Thos. R. Lynas,
Ira J. Mason,.
W. D. Wyman,
E. T. Atwood,
John K. Stearns,
Suter & Taylor,
O. P. Curran, .
Henry Greenbaum,
F. B. Fleming,.
(L. C. Starkel,
Geo. F. Schilling,
Ray & Ray,
Newell & Schroetter,
Chamberlain, Jenkins &
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J. B. Pendergrast,
W. N. Sattley,
Clark & Rice,
Smith W. Treese,
P. J. Kraus,
Thos. F. Barry,
H. Nevison,
E. H. Elwell, .

C. H. Ferguson & Son,
T. F. McAvoy,

John S. Bayers,
Chase & Gillette,.
Hill & Drake,
Leroy& Ferguson,
C. B. Cleveland, .
Dean & Payne,
Riggs & Smith,
W. M. Hodge,
Gilbert A. Smith,
J. B. Waller,
F. C. Wheeler,
Juana A. Neal,

Baker, Motley & McDear

(C. B. Soule, Calvin S. Smith,

Jules Girardin,

J. W. Janney,
F. E. Marsh,
Jas. W. Phillips,
John T. McAuley,
Ben Williams,.
George Wrenn,
J. H. Nolan,
Allan Waters,
H. S. Dale,
John H. Strong,
A. C. Wegner,

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H. D. Penfield & Son, S. L. Fuller,

CASUALTY AND SURETY.

Managers.

D. T. Hunt,
George A. Gilbert,.
Montgomery & Funk-
houser,
W. A. Alexander, :

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Companies.

Fidelity and Deposit,

Great Eastern Casualty & Indem.,
N. Y.,

Guarantee Co. of North America,
Hartford Steam Boiler,
Inter-state Casualty, N. Y.,
Lloyds Plate Glass, N. Y.,
London Guarantee and Accident,
Metropolitan Plate Glass, N. Y.,
New York Plate Glass,
Preferred Accident, N. Y.,
Union Casualty & Surety, Mo.,.
United States Guarantee, N. Y.,

Managers.
A. W. Peck,

Greenbaum & Co., .
John R. Pruyn,
H. M. Lemon,
T. P. Simmons,
Adolph Loeb & Son,
A. W. Masters,
J. B. Campbell,
H. S. Warner,
W. J. Aiken,
Beardsley & Taft,
John R. Pruyn,

Offices.

The Temple.

64 Hartford Building.
400 The Temple.
615 Royal Building.
62 Hartford Building.
191 La Salle St.
145 La Salle St.
164 La Salle St.
113 Rookery Bdg.
Rookery Building.
218 La Salle St.
400 The Temple.

Cincinnati Life Underwriters Association was organized December 16, 1890, the first officers being Charles E. Logan, president; M. J. Mack, vice-president; S. M. Brandyberry, treasurer; and Frank M. Joyce, secretary. The present officers, who were elected February 24, 1894, are as follows: J. L. Cockle, president; M. J. Mack, vicepresident; C. E. Logan, treasurer; Ike Bloom, recording secretary; W. E. Bonfoey, corresponding secretary; George Thornton, Collin Ford, J. W. Iredell, Dr. W. R. Thrall, and B. F. Hamm elected trustees. The secretary reported at the annual meeting a membership of fifty, with six applications pending.

Cincinnati Life Underwriters Association. [See Underwriters Association of Cincinnati.]

Citizens Insurance Company of Cincinnati was one of the “old charter" fire insurance companies of Ohio, which did not report to the state insurance department. In January, 1892, it retired from business and its charter was offered for sale. Chicago's surplus line speculators purchased it and re-established the company at Toledo. Later the charter was bought by an alleged English syndicate, headed by George E. Robbins, formerly of Canada. He made one George A. Baynes, president, and an office was again opened at Cincinnati in 1893. The new administration refused to report to the Ohio department, notwithstanding a supreme court decision that all the "old charter" companies must recognize the supervision of the department. Access to the books of the concern for examination was also refused to the insurance department. Superintendent Hahn then caused the arrest of Robbins and Bayne for resisting the law and began proceedings for the annulment of the charter. The sheriff of the county attached the effects in the company's office on behalf of a creditor who could not collect $3,000 due him by the company, and finally a receiver was appointed July 25, 1893, which effectually closed the career of the wild-cat.

Citizens Insurance Company of New York, was incorporated under a special charter, as the Williamsburgh Fire insurance company, April 28, 1836, and began business April, 1837. It was reorganized under the present name in 1849. The original capital was $105,000. The company first appears in the New York Comptroller's report for 1846, with Daniel Burtnett as president, and James M. McLean as secretary, and with a premiuni income of $47,400, and

risks in force of $4,400,000. After the reorganization in 1849, the capital was increased to $150,000, and in 1864 to $300,000, its present figure. Mr. McLean became president in 1860, and Mr. E. A. Walton was elected secretary in the same year. In 1880 Mr. Walton was made vice-president, and Frank M. Parker secretary. Mr. McLean resigned in 1886 to become president of the Manhattan Life insurance company, and was succeeded as president by Mr. Walton, and Mr. George H. McLean was elected vice-president. For the past ten years the Citizens' western and southern business has been done through the Underwriters' agency, but in December last that business was reinsured by the Hartford, and the Citizens is now conducting its entire business from the home office. It has received in premiums since organization, $13,889,917, has paid in losses $7,381,469, and has paid cash dividends of $1,926,300. It had at risk, at the close of 1893, $69,350,810. The directors are William J. Valentine, Amos F. Eno, John D. Jones, Edward A. Walton, DeWitt C. Hays, Edward King, George H. McLean, James W. Smith, William Barbour, George F. Baker, Garrett A. Hobart, Henry B. Stokes, Edward H. Schell.

Citizens Insurance Company, Pittsburgh, Pa. Organized 1849; capital, $500,000. J. R. Snively, president, H. Welch, secretary.

Citizens Insurance Company, St. Louis, Mo. Organized 1857; capital, $200,000. J. B. M. Kehbor, president, J. P. Harrison, secretary.

City Insurance Company, Pittsburgh, Pa. Organized 1870; capital, $100,000. J. C. Reilly, president, A. S. Bishop, secretary.

Clarke, L. Walter, assistant secretary of the Connecticut Fire insurance company, was born on a farm in Cornwall, Conn., which he left to engage in mercantile business in 1856. Nine years later he became special agent for the Home of New Haven. In 1871 he was elected vice-president of the Enterprise of Philadelphia, which was shortly afterwards burned up in the Chicago fire. During a part of years 1871 and 1872 Mr. Clarke represented the Springfield Fire and Marine as special agent, and resigned to become president of the Meriden Fire, with which company he remained until 1881, when he joined the Connecticut, as assistant secretary.

Clark, William B., president of the Etna insurance company of Hartford, was born in that city in June, 1841. When sixteen years old he entered the office of the Phoenix insurance company of Hartford as bookkeeper, and remained with that company eleven years, the last four as secretary. Mr. Clark joined the Etna in 1868 as assistant secretary. He was elected vice-president in September, 1888, and upon the death of Mr. Goodnow, was elected to succeed him as president November 20, 1892.

Cleveland Life Underwriters Association was organized in May, 1889. The original officers were: F. A. Kendall, president; J. W. Lee and W. B. Hillman, vice-presidents; J. C. Trask, secretary; O. N. Olmstead, treasurer. The present officers of the association, who were elected May 6, 1893, are: F. A. Kendall, president; Dr. C. A. Lawton, vice-president; R. D. Bokum, second vice-president;

Charles E. Holt, secretary; O. N. Olmstead, treasurer; Frank S. Ford, John Thomas, M. A. Marks, J. C. Trask, and S. S. Safford, executive committee.

Clunes, James, manager of the fire department of the London Assurance Corporation at the home office, is a native of Scotland, and about 47 years of age. In 1861 he entered the Edinburg office of the Alliance, and serving an apprenticeship there was transferred to the foreign department in London, where he remained some years. He was then sent to Scotland as chief clerk and surveyor, was afterwards made the company's manager in Scotland. In 1881 he was appointed sub-manager at the head office of the Commercial Union, and this was succeeded by his appointment as manager of the fire department of the London Assurance.

Cofran, J. W. G., of Belden & Cofran, Pacific coast managers for the Hartford Fire insurance company, was born at Goshen, N. H., June 13, 1855, and was brought up on a farm. In 1874, being then a resident of San Francisco, he entered the office of the Commercial insurance company as office boy. In July, 1881, he became a special agent of the Hartford, and in 1886 associate manager of its Pacific coast department.

Cohen, Max, insurance journalist, was born at Lowenberg, Germany, January 26, 1846, and came to the United States when a lad of twelve years, taking up his residence at Washington, D. C. At the age of eighteen he was a journeyman printer. When General Early, with his Confederates, made the raid into Maryland, Max promptly enlisted for the defense of Washington in the 3d Indiana Cavalry, but after three months' service he was sent home by the colonel as "unqualified and a minor." Having completed his apprenticeship he went to work on the Washington Chronicle, and in the course of time rose to the rank of assistant business manager and advertising agent. In 1876 he opened his own printing office and at the same time became interested in the fraternal form of insurance and a member of several orders. In 1886 he disposed of his printing business to enter the life insurance business, and in 1889 he established the insurance periodical "Views." Mr. Cohen is author of "Garfield Souvenirs," "Gems of Press and Pulpit," and other works which have attained popularity.

Co-Insurance Clause in Fire Underwriting: The eighty per cent. co-insurance clause which was adopted and went into effect on rated risks in the metropolitan district of New York, in New England, Philadelphia, Chicago, Detroit, Milwaukee, Newark, and other important localities in 1892, was further extended in its application in 1893. It was not favorably received by property owners and the press in some places, almost solely because it was not understood. The opposition to it pervaded the legislatures. The Missouri legislature passed a stringent law prohibiting the application of the co-insurance clause, and in the legislatures of New York and Wisconsin bills prohibiting all "limiting clauses" in the fire insurance contract were introduced and urged, though they were not adopted. The Maine legislature incorporated in the fire insurance law a clause providing that "co-insurance contracts shall state the value of the property insured." [See Legislation upon Insurance in 1893.]

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