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Cyclopedia of Insurance

IN THE

UNITED STATES

1919

Established in 1891 by H. R. HAYDEN

Copyrighted 1919 by
R. B. CAVERLY

R. B. CAVERLY, PUBLISHER
38 PARK ROW,
NEW YORK

1919;

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PUBLIC LIDIARY

228868A
ASTOR, LENOX AND

TILDEN FOUNDATIONS

R 1926

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205

206

LIFE, CASUALTY AND SURETY SECTION

ACCIDENT INSURANCE
ACTUARIAL SOCIETY
AMERICAN INSTITUTE OF ACTUARIES
AMERICAN EXPERIENCE TABLE OF MORTALITY
AMERICAN LIFE CONVENTION
ANNUITIES
ANTI-REBATE LAWS.
ASSOCIATION OF LIFE INSURANCE PRESIDENTS
BURGLARY, INSURANCE AGAINST
CALEF LOVING CUP.
CASUALTY ACTUARIAL AND STATISTICAL SOCIETY
COMPANIES ORGANIZED OR PROJECTED IN 1918
CORPORATE SURETYSHIP
CREDIT INSURANCE
DEATH ROLL
DIVIDENDS
EMPLOYERS' LIABILITY INSURANCE
ENDOWMENT
FLY-WHEEL INSURANCE
FOREIGN BUSINESS, AMERICAN LIFE COMPANIES
FRATERNAL ORDERS
GROUP INSURANCE
HEALTH AND ACCIDENT UNDERWRITERS' CONFERENCE
HEALTH INSURANCE
INDUSTRIAL LIFE INSURANCE
INSURANCE JOURNALISM
INTERNATIONAL ASSOCIATION OF CASUALTY AND SURETY UNDERWRITERS
LIVE STOCK INSURANCE
MUTUAL
MUTUAL LIFE UNDERWRITERS
NATIONAL ASSOCIATION OF CASUALTY AND SURETY Agents
NATIONAL ASSOCIATION OF LIFE UNDERWRITERS
NATIONAL INSURANCE CONVENTION
OFFICIAL CHANGES IN 1918
PARTICIPATING - NON-PARTICIPATING
POLICY FORMS AND LAWS
RECEIPTS FROM AND REMITTANCES TO HOME OFFICES, (CASUALTY)
RE-INSURED, RETIRED AND FAILED COMPANIES IN 1918
RESERVES IN LIFE INSURANCE
SOUTHERN INDUSTRIAL INSURER'S CONFERENCE
SPRINKLER INSURANCE
STATE INSURANCE FEDERATION
STATEMENTS, LATEST DATES FOR FILING
STATISTICS OF LIFE AND CASUALTY COMPANIES
STEAM BOILER INSURANCE
SUB-STANDARD LIVES
TAXATION
WORKINGMENS' COMPENSATION INSURANCE

BIOGRAPHICAL SKETCHES

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473

Press of LORING-AXTELL COMPANY

Springfield, Mass.

Annual Cyclopedia of Insurance.

A ABANDONMENT. In marine insurance the relinquishment of an insured ship or cargo to the underwriters when the same is damaged and the claim is for a total loss. There is no abandonment in fire underwriting.

ABEILLE FIRE INSURANCE COMPANY, Paris, France. Starkweather & Shepley, Inc., United States managers, Providence, R. I. Geo. L. Shepley, president; Emil G. Pieper, superintendent of agencies. Transacts fire reinsurance but entered the direct writing field in 1919.

ABINGTON MUTUAL FIRE INSURANCE COMPANY, Abington, Mass. Incorporated 1856; began business 1857. Isaac C. Howland, president; Edgar H. Thompson, vice-president; Alfred H. Nash, secretary and treasurer.

ADJUSTER. The business of an adjuster as known in American fire insurance is to examine into losses and settle upon the amounts due. He is a regular employee of the company, usually, although there are some independent adjusters who work for any company employing them, temporarily, or on particular losses. In most cases, also, the adjuster acts as appraiser except where an official or technical appraisement is to be had. The General Adjustment Bureau was organized in 1905 to have charge of adjustments throughout the eastern district of the United States. It is an incorporated body. Similar bureaus have been organized in other sections of the country, and as a rule have been a success. The National Board of Fire Underwriters in 1912 appointed a committee on adjustments, which was charged particularly with the work of preparing a system for adjusting large conflagration losses. While there are still individual and independent adjusters much of the work of adjusting losses, except small losses, is done through the bureaus.

ADJUSTMENT. In fire insurance practice in the United States this work covers the act of the adjuster in settling a loss as well as its apportionment between different insurers. The latter is sometimes difficult and puzzling in the case of non-concurrent policies. [See Non-Concurrent Policies — Apportionment.}

ÆTNA INSURANCE COMPANY of Hartford was incorporated in 1819, and began business August 19th. Its capital stock was fixed at $150,000, 10 per cent. of which was paid in. The Ætna was

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