promoted to a captaincy for gallantry in the field. He entered the service of the Home of New York July, 1882, as special agent in Kansas. Afterward he was Kansas and Missouri state agent of the Firemen's Fund, and on December 1, 1894, he accepted the state agency of the North British and Mercantile for Missouri and Kansas. Since June 1, 1902, he has been general adjuster with Fred S. James & Co., Chicago. Captain Bullard was elected president of the Association of Fire Underwriters of Missouri in 1894.

BURCHELL, GEORGE W., vice-president of the Queen Insurance Company of America, was born at Brooklyn, N. Y., May 31, 1850. When but fourteen years of age, in 1864, he entered the office of the Niagara Fire as a clerk, and continued there until 1869. He was in the mercantile business two years, and then with the Phenix of Brooklyn from 1871 to 1881, being special agent in the eastern and middle states the last eight years. In 1881 he went into the service of the Queen of Liverpool, traveling for it as general agent in the middle states, until 1889, when he became deputy manager of the United States branch. When the Queen Insurance Company of America was organized under the laws of the state of New York, to take the business of the Liverpool company, Mr. Burchell was appointed secretary. He was elected vice-president in April, 1900, and is also a director of the company. He was elected president of the National Board of Fire Underwriters of America at the annual meetings in May, 1906, and 1907, and elected vicepresident of New York Board of Fire Underwriters at the annual meeting, May, 1906, and elected president of the Underwriters Salvage Company of New York in July, 1906. He is also a director of the Royal Indemnity Company of New York.

BURPEE, WILLIAM B., secretary of the New Hampshire Fire Insurance Company, was born at Sutton, N. H., September 8, 1864. He received a public school education, and entered the service of the New Hampshire Fire as junior clerk in 1884. He served as chairman of the executive committee of the New England Insurance Exchange during 1904-1905. He was elected assistant secretary of the New Hampshire in August, 1905, and made secretary in January, 1909.

BURTIS, AREUNAH MARTIN, one of the secretaries of the Home Insurance Company of New York, is a native of that city, and was educated in its schools. He was a soldier of the Civil War, returning from which he entered the service of the Home in the autumn of 1864 as a clerk, and in subsequent years advanced by successive steps through the positions of adjuster, special agent, and assistant secretary to his present position, to which he was elected in March, 1898.

BURTIS, DAVID J., secretary of the Williamsburg City Fire Insurance Company, New York, was born in New York city, July 21, 1853. He received a public school education and began his

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BUSH, HARRY REYNOLDS

Insurance career as a clerk in the office of the Firemen's Trust Insurance Company in 1870. He became connected with the Empire City Fire in 1875, and was elected secretary of the company in 1885, and president in 1906, and on the merger of the company with The Williamsburgh City Fire in 1912 became vice-president and secretary of the merged company. He has been assistant treasurer of the New York Board of Fire Underwriters, resigned in 1910 as trustee of the Universal Savings Bank, and is a member of the Seventh Regiment Veterans' Association and Seventh Regiment Veteran and Active League of New York and also a member of the National Geographic Society.

BUSH, HARRY REYNOLDS, president of the Dixie Fire Insurance Company, Greensboro, N. C., is of Scotch descent and a native of Virginia and was born at Norfolk, March 7, 1868. He was educated at the public and high schools and in the Dudley Institute of Frankfort, Ky., and has spent all his business life in fire underwriting. He began his insurance career in a local agency at Louisville, Ky., and represented the Caledonian Insurance Company as special agent for eight years. Later he became special agent of the London Assurance Corporation; superintendent of agents for the Traders Insurance Company; and subsequently was appointed manager of the southern department of the American Insurance Company of Newark. This latter position he held three years and until elected vice-president of the Dixie Fire Insurance Company in 1909. He was for a number of years a member of the executive committee, and successively vice-president and president of the Kentucky and Tennessee Board of Fire Underwriters, and has also served as a member of the executive committee of the South-Eastern Underwriters Association. He is at present president of the Association of Southern Fire Insurance Companies, and was president of the South-Eastern Underwriters Association in 1913 and 1914.

C

CABOT, FRANCIS ELLIOT, secretary of the Boston Board of Fire Underwriters, was born in Boston, February 6, 1859. He was educated in the Brookline High School, Roxbury Latin School, and graduated from Harvard University in 1880 with the degree of A.B. He engaged in telephone and electric light work, and in 1884, became an inspector for the Boston Board of Underwriters. He served for one year, 1888-1889, as superintendent of surveys of the Buffalo Association, and later became superintendent and engineer of the Boston Board. He was elected to his present position with the Board in November, 1908. He is a member of the Council of Underwriters Laboratories, member of the committee on standards, chairman of the electrical committee and of the National Fire Protection Association, and an associate member of the American Institute of Electrical Engineers.

CALEDONIAN-AMERICAN

INSURANCE COMPANY of New York. Organized 1897; capital, $200,000. Charles H. Post, president; Milward Prain, secretary. Admitted assets, December 31, 1914, $261,175; liabilities, $17,671.

CALEDONIAN INSURANCE COMPANY of Edinburgh began business in United States in 1890, reinsuring the Anglo-Nevada. Charles H. Post, United States manager, New York. Admitted assets, December 31, 1914, $2,284,041; liabilities, $1,683,801.

CALIFORNIA INSURANCE COMPANY, San Francisco, Cal. Re-organized 1905 (organized 1861); capital, $400,000. E. T. Niebling, president; George W. Brooks, secretary; J. W. Warner, assistant secretary. Admitted assets, December 31, 1914, $1,024,513.06; liabilities, $446,458.25.

CALIFORNIA STATE ASSOCIATION OF LOCAL FIRE INSURANCE AGENTS, was organized at a meeting held in Oakland in 1908, and I. H. Clay was elected president and Fred W. Le Ballister, secretary. The present officers are: President, Mac O. Robbins, Santa Anna; vice-presidents, E. D. Barnett, C. W. Monahan, G. A. Hicks; secretary and treasurer, W. P. Battelle, Los Angeles.

CAMDEN FIRE INSURANCE ASSOCIATION, Camden, N. J. Organized 1841; capital, $600,000. Edmund E. Read, Jr., president; Joseph K. Sharp, secretary. Admitted assets, December 31, 1914, $3,287,920.88; liabilities, $1,776,416.46.

CAMPBELL, EDWARD T., president American Central Insurance Company, St. Louis, Mo., is of Scotch-English descent, and was born at Princeton, Ky., September 25, 1861. He was educated at

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CAROLINA FIELD CLUB

Bethany College, West Virginia, and took the law course at Cumberland University. He practised law at Hopkinsville, Ky., meanwhile acquiring an insurance experience as local agent. He was special agent and adjuster in Kansas for the German-American Insurance Company, New York, from 1886 to 1890, when he became resident secretary of the North British and Mercantile at Kansas City, and two years later became general agent for that company at New York. He became assistant secretary of the American Central Insurance Company in 1894, vice-president in 1903, and president of the company in 1907. He is a director of the National Bank of Commerce, St. Louis, and a member of St. John's Methodist Episcopal Church, St. Louis Club, Noonday Club, and the Glen Echo Country Club.

CANCELLATION. The fire insurance policy provides for cancellation at any time by either the owner of the property or the company, by giving legal notice. If cancelled by the insured the premium is returned, less the short rate for the expired time. If cancellation is desired by the company the pro rata portion of the premium must be returned before cancellation is complete. Notice alone is not sufficient.

CAPITAL FIRE INSURANCE COMPANY, Concord, N. H. Organized 1886; capital, $300,000. Charles L. Jackman, president; Edward G. Leach, vice-president; Josiah E. Fernald, treasurer; Freeman T. Jackman, assistant secretary. Admitted assets, December 31, 1914, $770,210.55; liabilities, $359,089.37.

CAPITAL, INCREASE OF, IN 1914. In fire insurance in 1914 the following companies increased their capital:

American of Newark, from $1,000,000 to $2.000.000; American Automobile, St. Louis, $400,000 to $750,000; Camden Fire, Camden, N. J., $600,000 to $700,000; New Jersey Fire, Newark, $900,000 to $1,000,000; Standard Fire, Pittsburgh, $350.000 to $400,000; St. Paul Fire and Marine, St. Paul, Minn., $500,000 to $1,000,000; Westchester Fire, N. Y.. $200,000 to $500,000.

The Cleveland National, Cleveland, Ohio, reduced its capital from $700,000 to $400,000; Florida Fire, Jacksonville, $200,000 to $100,000; Central Union Fire. Kansas City, Mo., $250,000 to $200,000; Appalachian, Bristol, W. Va., $103.708 to $51,890.

CAROLINA FIELD CLUB was organized at a meeting in Asheville, N. C., in April, 1906, and its membership consists of officers and general and special agents of companies. Its purposes are social, and the promotion of good underwriting practices in the states of North and South Carolina. Officers were elected as follows: President, Jefferson Pearce, Special Agent of the North British & Mercantile; vice-president, E. H..Chisholm, Special Agent of the Piedmont; secretary, Robert G. Hayes, Special Agent of the National of Hartford. The present officers are: President, Geo. P. Folk, North Carolina Home; vice-president, J. M. Robertson, Phoenix, Hartford; secretary, Dan M. Murchison; manager, People's National; executive committee, Ben J. Smith, Home, New York; Vernon G. Weaver, Piedmont, Charlotte, N. C.; D. E. Witt, New Hampshire;

CHASE, CHARLES EDWARD

35

W. E. Ashley, Unds. of Greensboro, N. C.; R. S. Busbee, secretary, Atlantic_Fire; A. L. de Rossit, Liverpool and London and Globe, North Carolina; Edward Cay, Liverpool and London and Globe, South Carolina.

CAROLINA INSURANCE COMPANY, Wilmington, N. C. Organized 1887; capital, $50,000. H. C. McQueen, president; R. A. Parsley, vice-president; M. S. Willard, secretary. Assets, December 31, 1914, $122,248.57; liabilities, $31,634.10.

CASE, CHARLES LYMAN, United States branch manager of the London Assurance Corporation, was born in Chelsea, Mass., in 1850. After preparation for college, which he had to abandon on account of ill health, and after a brief clerkship in a Boston book store, he went in 1870 to Chicago, Ill., and entered the insurance agency office of C. H. Case & Co. His field service began in 1872 with the Insurance Company of North America, and subsequently he represented the Pennsylvania Fire in connection with the Insurance Company of North America, in a similar position. In 1877 he established a local agency at St. Louis, Mo., but returned to Chicago in 1887 to take the western management of the London Assurance Corporation, and succeeded to the United States management on the retirement of Mr. Marks in 1892, removing from Chicago to the United States headquarters at New York.

CENTURY INSURANCE COMPANY, Ltd., Edinburgh, Scotland. Henry W. Brown & Co., Philadelphia, United States managers. United States branch, 100 William St., New York. Admitted assets, December 31, 1914, $680,728.99; liabilities, $231,477.76.

CHAPMAN, BENJAMIN GAINES, JR., secretary of the American Central Insurance Company, St. Louis, Mo., was born of American parentage in St. Louis, Mo., July 11, 1883. He received a public and manual training school education and entered Washington University, but did not complete the college course. He was engaged with the Burroughs' Adding Machine Company for six years before entering the service of the American Central Insurance Company.

CHASE, CHARLES EDWARD, former president of the Hartford Fire Insurance Company, and chairman of the Board of Direc tors, was born in Dubuque, Ia., March 29, 1857. He was educated in the public schools of Hartford, graduating from the High School in 1876, and in 1877 began his business career in the local agency of the Hartford Fire. In 1880 he entered the home office in a clerical capacity, and in July, 1890, was appointed second assistant secretary. He was elected vice-president in 1903, and succeeded his father in the presidency in January, 1908, but resigned in 1913, and was elected chairman of the Board of Directors. He was president of the Hart