F

FACTORS AND TRADERS INSURANCE COMPANY, Mobile, Ala. Organized 1870; capital, $150,000. Ferdinand Forcheimer, president; C. P. Dumas, vice-president; J. F. Ross, secretary; Jos. F. Bullock, assistant secretary.

FACTORY INSURANCE ASSOCIATION. This organization in the eastern, middle, and southeastern states, was organized in 1890. The manager is H. L. Phillips, and the headquarters of the association are in Hartford, Conn. The present officers are: President, H. A. Smith, National Fire, Hartford; vice-president, G. W. Babb, Northern, New York; secretary, J. H. Vreeland, Scottish Union and National, Hartford; treasurer, Geo. C. Long, Jr., Phoenix, Hartford; executive committee, E. J. Sloan, chairman, Etna; C. G. Smith, Great American; A. G. McIlwaine, Jr., London and Lancashire; C. D. Dunlop, Providence Washington; Frank Lock, Atlas; J. C. Barden, Automobile; and the officers, ex-officio.

1918.

FAILURES OF FIRE INSURANCE COMPANIES IN [See Reinsured and Failed Fire Insurance Companies.]

FALL RIVER MANUFACTURERS' MUTUAL INSURANCE COMPANY, Fall River, Mass. Organized 1870. Charles S. Waring, president and treasurer; Thomas E. Brayton, vicepresident; James W. Brigham, secretary; H. Nelson G. Terry, assistant secretary.

FARMERS' ALLIANCE INSURANCE KANSAS, McPherson, Kansas. Organized 1887. ident; C. F. Mingenback, secretary.

FARMERS' AUTOMOBILE INSURANCE COMPANY, Sioux City, Iowa. Organized 1919; paid in capital $100,000. S. C. Renshaw, president; A. Chambers, vice-president; S. H. Sogn, treasurer, and N. J. Hvistendahl, secretary and general manager.

FARMERS' FIRE INSURANCE COMPANY, York, Pa. Organized 1853. Mutual doing business on the stock plan. Charles M. Kerr, president; A. S. McConkey, secretary.

FARMERS' INSURANCE COMPANY, Cedar Rapids, la. Organized 1860; capital, $200,000. Ed. H. Smith, president; John B. Henderson, vice-president; C. N. Jenkins, secretary.

FARMERS' MUTUAL HAIL INSURANCE ASSOCIATION OF IOWA, Des Moines, Iowa. Organized 1893. Scott Rutledge, president; W. A. Rutledge, secretary; J. A. Benson, treasurer. Writes hailinsurance on growing crops.

FEDERAL INSURANCE COMPANY, Jersey City, N. J. (Marine). Organized 1901; capital $1,000,000. Percy Chubb, president; Hernden Chubb, vice-president; Samuel W. King, secretary.

FEDERAL UNION INSURANCE COMPANY, Chicago, Ill Organized 1908; capital, $200,000. V. F. Mashek, president; A. W. Ellenberger, J. W. Embree, J. J. McKelvey, vice-presidents; T. L. Osborn, secretary and manager; J. M. Kralovec, treasurer; W. C. Anderson, assistant secretary. 175 West Jackson Boulevard.

FEDERATION OF MUTUAL INSURANCE ASSOCIATIONS OF OHIO. The present officers, elected at the thirty-ninth annual meeting held at Columbus in March, 1919, are: President, W. H. Hannah, Tontogany; vice-president, John Claybaugh; secretary and treasurer, A. F. Little, Bradford.

FIDELITY-PHENIX FIRE INSURANCE COMPANY of New York; cash capital, $2,500,000. Henry Evans, president; F. W. Koeckert, vice-president; C. R. Street, vice-president; J. E. Lopez, second vice-president and secretary; F. R. Millard, Ernest Sturn, A. A. Maloney, N. T. Robertson, S. R. Kennedy, secretaries; A. P. Lange, M. E. Moriarty, John P. Hollerith, Gomer H. Rees, Paul L. Haid, assistant secretaries; J. F. Cunningham, auditor. 80 Maiden Lane.

FIELD & COWLES, 85 Water St., Boston, Mass. (Herbert Damon, George Neiley, John J. Cornish, Thos. R. Young, Henry F. Damon). Established 1868. Managers of the Royal Insurance Company, Limited, of Liverpool, England, Newark Fire Insurance

Company, Newark, N. J. and also the Royal Indemnity Company of New York, for the New England States. The special agents of this firm for the Royal Insurance Company, Ltd., are Herbert A.Wiley, Fred M. Johnson, Charles H. Field, and John F. Williams.

FIRE ASSOCIATION OF PHILADELPHIA. Chartered in 1817 and in 1871 organized as a stock company; capital, $1,000,000. E. C. Irvin, president; J. W. Cochran, vice-president; John B. Morton, second vice-president; M. G. Garrigues, secretary; R. N. Kelly, assistant secretary. 401-5 Walnut Street.

FIRE, MARINE AND LIABILITY BROKERS ASSOCIATION OF THE CITY OF NEW YORK, Inc., New York, N. Y. Organized 1898. The present officers, elected in March 1919 are: President, F. S. Little; vice-president, F. W. Stillman; treasurer, R. E. Kipp; secretary, Berthold M. Harris.

FIRE ENGINEERS, NATIONAL ASSOCIATION [See National Association of Fire Engineers.]

OF.

FIRE INSURANCE CLUB OF CHICAGO. The membership of the club includes managers, general agents, special agents and local agents, as well as many of the employees of general and local fire insurance agencies and a number of managers and employees of the casualty companies, and agencies and was organized on February 6, 1901. As stated in its constitution, the club's object is "to assist its members in becoming thoroughly conversant with the technique of fire insurance in all its departments, and to further the social intercourse of its members." All male persons eighteen years of age or over, who are engaged in the fire insurance business or its affiliated occupations may become members.

The present officers, elected in May, 1919, are: President, W. M. Murray; vice-president, H. A. Clark; secretary, W. F. Hochfeldt treasurer, A. H. Green; librarian, R. S. Horton; directors, John S. Stafford, John M. Thomas, Edward Boersma, William A. Benoliel, George F. Gehrke.

FIRE INSURANCE CLUB OF CLEVELAND. In May, 1889, the Cleveland Board of Fire Underwriters was reorganized as the Cleveland Fire Insurance Exchange, and the present title was adopted in 1918. The officers elected at the annual meeting in February, 1919, are; President, Fred B. Ayer; vice-president, C. H. Parsons; secretary and treasurer, Will J. Beggs, 304 Chamber of Commerce Bldg., Cleveland, Ohio.

FIRE. INSURANCE

COMPANIES

[See Reinsured and Failed Companies.]

FAILED IN 1918.

FIRE INSURANCE POLICY. [See Policy, Standard Fire;

also other policy forms.]

FIRE INSURANCE RATING, SYSTEMS OF. [See Systems of Rating in Fire Insurance.]

FIRE INSURANCE RESULTS IN 1918. [See Results of Fire Underwriting in 1918.]

FIRE INSURANCE RISKS, LIMITATION OF, BY LAW. [See Limitation of Risks in Fire Underwriting.]

FIRE INSURANCE SALVAGE CORPS OF BROOKLYN, N. Y. This organization was authorized by act of the legislature of New York of 1895, to be maintained by a tax upon the premiums of fire insurance companies doing business in Brooklyn. The first meeting of the companies comprising the corporation was held June 28, 1895, and the following officers were elected: George M. Coit, president; Hugo Schumann, vice-president; William T. Lane, treasurer; Britton C. Thorn, secretary. Britton C. Thorn was appointed superintendent, and the corps went into service December 16, 1895. There are three stations, motor equipped and consisting of a force of ten officers and fifty-two patrolmen. James O. Schwank is superintendent. The directors of the Corps are: E. E. Pearce, president; J. G. Hilliard, vice-president; W. L. Chambers, treasurer; T. A. Ralston, secretary; George B. Edwards, B. M. Culver, Charles H. Post, Wallace Reid, C. L. Tyner.

FIRE INSURANCE SOCIETY OF NEWARK, N. J., was organized in December, 1909, for the purpose of studying fire hazards and prevention and for educational and social work. Officers were elected as follows: President, George C. Plume; vicepresident, Albert H. Hassinger; secretary and treasurer, John E. Mayer. The present officers, elected in December, 1918, are: President, Robert O'Gorman; vice-president, William A. Hall; secretary and treasurer, Lockwood M. Seely; executive committee, Wm. S. Naulty, George P. Enke, W. C. Horton, John J. Barry, Stewart C. Smith, M. J. Price, Julius Prochl, Rutherford B. H. Stell.

FIRE INSURANCE SOCIETY OF PHILADELPHIA. The society was organized to aid members in studying questions arising in connection with insurance, and fire protection and prevention. The officers, elected at the annual meeting in January, 1918, are: President, Albert C. Rommel; vice-presidents, Henry Penn Burke, George A. Mahl; secretary, Charles J. Fitzgerald; treasurer, James A. McGann.

FIREMAN'S FUND INSURANCE COMPANY of San Francisco. Organized May, 1863. Its present officers are: J. B. Levison, president; Vanderlynn Stow, vice-president; Herbert P. Blanchard, secretary; John S. French, C. C. Wright, Frank G. White, assistant secretaries; A. W. Follansbee, Jr., marine secretary; Thos. M. Gardiner, treasurer. Its capital was originally $200,000, increased in 1865 to $500,000. In the Chicago and Boston fires the company

paid over three-quarters of a million dollars, at which time an assessment of 50 per cent. was collected and its capital was temporarily reduced to $300,000, but increased in 1880 to $750,000, and again increased in 1886 to $1,000,000. In the San Francisco conflagration of 1906, all the company's books and papers were burned in the destruction of its home office building. An assessment of 300 per cent. was levied on its stockholders and claims exceeding eleven million dollars settled without any records to refer to.

On January 10, 1907, the paid-up capital was temporarily increased to $1,600,000 and in January, 1909, permanently adjusted to $1,500,000. Assets, January 1, 1918, $17,939,822.58; reinsurance reserve, $8,575,419.84; surplus, $4,017, 108.05.

FIRE MARSHAL DEPARTMENTS, CHIEF OFFICERS OF. The following is a list of state officials having charge of the investigation of fires. [See also Fire Marshal Laws.]

Names

Frank Sanford.
(2) Bruce T. Bullion.
(1) Thomas F. Egan.
Philip W. Nicholson.
. John G. Gamber.
H. H. Friedley.
Ole O. Roe..
L. T. Hussey
T. B. Pannell

W. M. Campbell.
(2) G. Waldron Smith
(2) Thomas J. Keating.
(4) John H. Plunkett.
(2) Frank K. Ellsworth..
W. A. Sanborn..
T. A. Brown.
(8) A. E. Eklund
(7)W. S. Ridgell.
(2) James R. Young.
(a) H. L. Reade.
T. A. Fleming

C. C. Hammonds.
(2) Harvey Wells..
G. C. Port.

(2) W. A. McSwain.
.S. E. Crans

(b) E. W. Gillenwater.
(9)S. W. Inglish.

(2) Joseph G. Brown..
(2) Joseph Button.
(3) John H. Horan.
(2) Platt Whitman.

Official Residences
Montgomery.
Little Rock.
Hartford.
Washington.
Springfield.
Indianapolis
Des Moines.
Topeka.
Louisville.
New Orleans.
.Augusta.
Baltimore.
Boston.
Lansing.
St. Paul.
Jackson.
Helena.
Lincoln.
Raleigh.
Bismarck.

. Columbus.
Oklahoma City.
Salem.
Harrisburg.
Cross Hill.

Pierre.
Nashville.
.Austin.

Montpelier.
Richmond

. Charleston.
Madison.

IChief of State Police. 2 Insurance commissioner. 3Appointed by State Auditor and ex-officio insurance commissioner. 4The department is known as the "Fire Marshals' Department of the District Police" and the official title is "Deputy chief of the district police." 7 Deputy Fire Commissioner. 8Appointed by Insurance Commission. 9Fire Marshal of the State Insurance Commission. (a) Marshal is appointed by governor but is under control of the Insurance Department. (b) Fire Prevention Commissioner.

FIRE MARSHAL LAWS. Laws establishing the office of state fire marshal were adopted in Massachusetts and Maryland in 1894, which appears to have been the first legislation providing for investi