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CHICAGO FIRE INSURANCE PATROL

ford Board of Fire Underwriters from 1894 to 1908, when he declined a re-election, and was elected a member of the common council in 1892, and a member of the Board of Aldermen in 1893 and 1895. He is actively interested in a number of Hartford organizations, being a director of the Connecticut Mutual Life Insurance Company, the Hartford Board of Trade, the Hartford National Bank, the Connecticut Trust & Safe Deposit Company, and trustee of the Society for Savings.

CHICAGO BOARD OF UNDERWRITERS. The first board of underwriters of Chicago was organized in 1849. W. Dole, who represented a company now long defunct, the Columbus Insurance Company of Ohio, was the first president, and John C. Dodge was secretary. After this organization fell to pieces another board was formed in 1856, with the pioneer insurance man of Chicago, Gurden H. Hubbard of the Ætna, as president, and J. Kearney Rodgers as secretary and surveyor. In 1861 this organization was duly incorporated by the legislature as the Chicago Board of Underwriters.

Following the great fire the board was reorganized February 22, 1872, with S. M. Moore as president, General A. C. Ducat, vicepresident; J. Goodwin, Jr., treasurer, and Alfred Wright, secretary. The career of the board was undisturbed until 1880, when, because of violent internal dissensions, a number of members withdrew, and, on January 27, started a rival organization, to which they gave the name of the Underwriters' Exchange. The first officers were Robert J. Smith, president; William E. Rollo, vice-president; and R. M. Trimingham, secretary. The two bodies continued their labors on parallel lines for five years, sometimes in harmony, but more often in hostility, until in 1885, after repeated efforts, a union of forces was effected. A new organization was created (the Chicago Fire Underwriters' Association), and into this the Exchange was merged. The board members also became members of the association, but the Board of Underwriters was continued, shorn of all its executive powers except that of supervision of the fire patrol. This was done to comply with the state law which authorized the organization of the fire patrol. In January, 1906, the board assumed the executive powers of the old associations. Officers were elected at the annual meeting in 1915, as follows: President, H. G. Buswell, Home; vice-president, Bernard Rogers; secretary, R. N. Trimingham; treasurer, George S. Haskell; manager, H. H. Glidden.

CHICAGO FIRE INSURANCE PATROL. [See Patrol.]

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CITY INSURANCE COMPANY

CHICAGO UNDERWRITERS' Association. [See Chicago Board of Underwriters.]

CHRISTOPHER, RICHARD C., assistant United States manager of the Caledonian Insurance Company of Scotland, was born in New York city, and was educated in the public schools of that city and in Dolbear's Business College. He entered the employ of the Niagara Fire Insurance Company, afterwards becoming special agent for New York state, and in 1890 he was appointed general agent for the same company in the middle department field. From 1892-1894 he represented the Caledonian Insurance Company and Niagara Fire Insurance Company as general agent in the same field, and from the latter year until 1905 was general agent for the Caledonian Insurance Company in the same territory. He was elected president of the Underwriters Association of the middle department in 1904, but resigned when appointed second assistant manager of the Caledonian in 1905. He was appointed to his present position in 1906, and is also vice-president and a director of the CaledonianAmerican Insurance Company of New York.

CHUBB, WILLIAM, president of the Reliance Insurance Company of Philadelphia, was born in that city March 21, 1845. After leaving school at the age of fifteen years, he entered the office of the Reliance as clerk, and his whole business life has been connected with that company. He was elected secretary in 1869, vicepresident in 1892, and president in 1894.

CINCINNATI EQUITABLE INSURANCE COMPANY (Mutual), Cincinnati, O. Organized 1826. Frank J. Jones, president; E. H. Ernst, secretary.

CINCINNATI UNDERWRITERS ASSOCIATION of Cincinnati, Ohio. At the annual meeting held in January, 1915, the following officers were elected; President, L. E. Guntrum; vice-president, Joseph Gunther; secretary, William Stredelman; treasurer, E. F. Weiss; governing committee, Nat L. Bartlett, Arthur Clemons, Benjamin Block.

CITIZENS FIRE INSURANCE COMPANY, Charlestown, W. Va. Organized 1907; capital, $1,000,000. The company reinsured in the Niagara Fire Insurance Company in 1914.

CITIZENS INSURANCE COMPANY, St. Louis, Mo. Organized 1837; capital, $200,000. Charles E. Chase, president; P. O. Crocker, secretary. Admitted assets, December 31, 1914, $601,755.30; liabilities, $42,727.89.

CITY INSURANCE COMPANY, Pittsburgh, Pa. Organized 1870; capital, paid in $100,000; Eugene S. Reilly, president; Edward M. Bigelow, vice-president; W. R. Berger, secretary. Admitted assets, December 31, 1914, $173,450.20; liabilities, $30,675.65.

CLEVELAND INSURANCE SOCIETY

39

CITIZENS MUTUAL INSURANCE COMPANY, Boston, Mass. Incorporated 1846. George W. Hinkley, president and treasurer; Herman Bird, secretary. Admitted assets, December 31, 1914, $82,677.54; liabilities, $47,173.74.

CITY OF NEW YORK INSURANCE COMPANY, New York. Organized 1905; capital, $583,200. Major A. White, president; J. Carroll French, secretary. Admitted assets, December 31, 1914, $1,462,647.30; liabilities (except capital), $642,581.78.

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 was elected president November 30, 1892. He was vice-president of the National Board of Fire Underwriters in 1894 and 1895, and was elected to the presidency of the board in 1896.

CLAUSES, LIMITING, IN FIRE INSURANCE POLICIES. [See Policy Forms, Fire.]

CLAUSES LIMITING THE LIABILITY OF THE INSURER, IN FIRE INSURANCE. [See Co-Insurance Clause; Policy Forms, Fire.]

CLEMENCE, E. R., treasurer of the Underwriters' Association of the Middle Department, was born at Terryville, Conn., March 5, 1847, and was educated in the schools of that state. He began the insurance business in Philadelphia in the old established firm of James I. Boswell in 1871, and when the Ætna Insurance Company established its branch office in that city in 1875 was appointed chief clerk. Mr. Clemence has been identified with the middle department association since its organization, and was its secretary and treasurer from November, 1888, to April, 1905,— on that date the offices were divided and he was appointed treas

urer.

CLEVELAND FIRE INSURANCE EXCHANGE. In May, 1889, the Cleveland Board of Fire Underwriters was reorganized with the above title. The organization was completed in June with the following officers: A. W. Parsons, president; A. W. Neale, vice-president; J. T. Kirkwood, treasurer; M. C. Willis, secretary. The officers elected at the annual meeting in February, 1915, were: President, George C. Simpson; vice-president, Robert H. Purdue; secretary-treasurer, M. C. Willis.

CLEVELAND INSURANCE SOCIETY, Cleveland, Ohio, was organized in June, 1912, and officers were elected as follows:

40

COCHRAN, SAMUEL POYNTZ

President, A. W. Neale; vice-president, C. H. Patton; secretary, Kenneth R. Taylor; treasurer, George C. Simpson; librarian, L. W. Theis. The present officers, elected in June, 1915, are: President, L. A. Welbor; vice-president, Bernard T. Duffey; secretary and treasurer, Ford A. Drake.

CLEVELAND NATIONAL FIRE INSURANCE COMPANY, Cleveland, Ohio. Incorporated 1911, began business 1914; capital, paid up, $700,000. Hyman D. Davis, president; Carroll L. DeWitt, vice-president and managing underwriter; O. T. Brown, secretary. Assets, December 31, 1914, $1,078,329.77; liabilities, $68,922.72.

CLIFFORD, CHARLES CLIFTON, former assistant secretary of the New Hampshire Fire Insurance Company, Manchester, N. H., was educated in the public schools of that city and began his business career as a clerk in the local post-office. He is a native of New Hampshire, and was born of American parentage at Danville, N. H., August 8, 1865. He began his insurance career with the New Hampshire Fire in 1885, and was appointed special agent of the company for Massachusetts, Rhode Island, and Connecticut in 1893. He was appointed assistant secretary in 1905, but resigne August 1, 1914, and is now adjuster of fire losses in Maine, New Hampshire, and Vermont.

COCHRAN, SAMUEL POYNTZ, member of the firm of Trezevant & Cochran, Dallas, Tex., southwestern department managers for a number of prominent companies, was born in Lexington, Ky., September 11, 1855, of Scotch-Irish ancestry. He was educated in the public schools in Covington, Ky., and on leaving school in 1873 he began his insurance career as one of the surveying corps employed by the National Board of Fire Underwriters to survey and rate Cincinnati, Ohio, on the schedule plan. He was engaged in this work in Cincinnati, Columbus, Dayton, and Toledo, Ohio, for about a year, and then entered the general agency office of J. W. Cochran & Sons, general agents of the Franklin Fire of Philadelphia, at Lexington, Ky. Later he engaged in the_local agency business at Covington, and served as deputy United States marshal for the eastern district of Kentucky. In 1881 he became special agent of the Phoenix of Hartford for Texas, and for a short time acted in the same capacity for the Springfield Fire and Marine. On July 1, 1883, he became connected with and on January 1, 1884, was admitted to full partnership in the firm of Dargan & Trezevant, and July 1, 1888, the firm name was changed to Trezevant & Cochran. Mr. Cochran is prominent in Masonic circles, having served as presiding officer in each of the five Masonic Grand Bodies in Texas; Active Member or Sovereign Grand Inspector General of the Supreme Council, 330, of the Ancient and Accepted Scottish Rite, for Texas; president of the Board of Directors of the Home for Aged Masons, and is actively interested in many public enterprises. The general agency of Trezevant & Cochran was established in March,