6

AGRICULTURAL INSURANCE COMPANY

Montana contain separate sections defining surety agents, while the laws of Indiana contain additional sections defining separately both surety and life agents. [For text of laws, enacted prior to 1914 see Cyclopedia of Insurance for 1913-14, fire section.]

The laws of Arizona, enacted in 1913, contain the following:

Agent or "Insurance Agent " is a person, co-partnership, corporation attorney, board, or committee duly appointed and authorized by an insurance company, to solicit applications for insurance to be known as a soliciting agent, or to solicit applications and effect insurance in the name of the company, to be known as a recording or policy writing agent, and to discharge such other duties as may be vested in or required of the agent of the company.

The Colorado law was amended in 1915, and now reads as follows:

(5) A person not a duly licensed insurance broker, licensed solicitor, or licensed agent's employe, who for compensation solicits insurance on behalf of any insurance company, or transmits for a person other than himself an application for or a policy of insurance to or from such company, or offers or assumes to act in the negotiation of such insurance, shall be an insurance agent within the intent of this act, and shall thereby, except as otherwise provided in sub-division 6 of this section, become liable for all the duties, requirements, liabilities, and penalties to which an agent of such company is subject, and such company by compensating such person through any of its officers or agents or employes for soliciting, shall thereby accept and acknowledge such person as its agent in such transaction.

The Michigan legislature in 1915 enacted a law defining agents, requiring an annual license, and prescribing a form of application for such license. Section 1 of the act defining agents reads as follows:

Section 1. A general, district, state, or special agent is hereby defined to be a person, firm, or corporation acting under authority, express or implied, from any insurance company authorized to transact business in the state of Michigan to supervise and appoint agents, inspect risks, and otherwise transact business for and as a representative of such insurance corporation within the state of Michigan: Provided, however, That any such general, district, state, or special agent not a resident of this state shall not countersign any policy or be paid any commission or compensation for solicitation based upon the premium received. An agent is hereby defined as a person, firm, or corporation acting under express authority from any insurance corporation authorized to transact business in the state of Michigan, to solicit insurance and or write and countersign policies of insurance and collect premiums therefor within this state on behalf of such company. A solicitor is hereby defined as any person acting under express authority from an agent, having authority to appoint solicitors, of an insurance company authorized to transact business in the state of Michigan, to solicit insurance for such agent, but without the power or authority to issue or countersign policies or otherwise bind any company of which such agent may be the duly authorized representative.

AGENTS, RESIDENT. Laws concerning. [See Resident Agents' Laws.]

AGRICULTURAL INSURANCE COMPANY, Watertown, N. Y. Organized 1853; capital, $500,000. W. H. Stevens, president; J. Q. Adams, secretary; P. H. Willmott, assistant secretary. Organized as a farmers' mutual, then converted into a stock company

ALLEMANNIA FIRE INSURANCE COMPANY

7

with charter limiting it to the insurance of farm property; now engaged in general fire insurance. It transacts business in most of the states and territories. It writes tornado insurance. Sixty-second annual statement, January 1, 1915:

ALABAMA, UNDERWRITERS' ASSOCIATION OF. [See Underwriters' Association of Alabama.]

ALBANY FIELD CLUB. This organization includes in its membership special agents operating in the eastern New York field. The present officers elected in 1915 are: President, J. B. Darcy, Boston; vice-president, A. T. Lovett, Fire Association; secretary, Charles G. Smith, Liverpool and London and Globe; treasurer, R. W. Wright, Queen.

ALBANY INSURANCE COMPANY, Albany, N. Y. Organized 1811; capital, $250,000. J. E. McElroy, president; Charles H. Hahn, secretary. John P. Deal, assistant secretary. Total admitted assets, December 31, 1914, $1,085,592.48; liabilities (except capital), $372,983.62.

ALEXANDER, JAMES WALLACE, former vice-president of the National Association of Local Fire Insurance Agents, is a native of Virginia, and was born in Meclenberg County, Va., of American parentage, April 20, 1862. He received a common school education, and began his business career in mercantile pursuits. He has served as a member of the Louisiana legislature and Constitutional Convention of 1913, is a director in various business enterprises in the state, and president of the Rapides Club and Rapides Opera House company. He has been engaged in the local agency business for the past twenty years in Alexandria, La., and is now head of the local agency firm of Alexander, Bolton & Lewis, and has been one of the vice-presidents of the National Association of Local Agents and active in its affairs for several years, and is a former president of the Louisiana State Association of Local Fire Insurance Agents.

ALIENATION. A transfer of property to another. The fire insurance policy being a personal contract the alienation of the property covered by it voids the policy. So many controversies as to what constitutes alienation have arisen in insurance practice that the standard policies now describe minutely what will avoid the policy. [See Policy Forms, Fire. Also any digest of insurance law.]

ALLEMANNIA FIRE INSURANCE COMPANY, Pittsburgh, Pa. Organized 1868; capital, $200,000. William Steinmeyer, president; Chas. B. Reiter, secretary. Total admitted assets, December 31, 1914, $1,832,015.24; liabilities (except capital), $1,632,015.24.

8 AMERICAN COMPANIES ORGANIZED BY Foreign COMPANIES

ALLEN, EDWIN STANTON, assistant secretary of the Aetna Insurance Company, is a son of Francis B. Allen, vice-president of the Hartford Steam Boiler Inspection and Insurance Company, and was born in New York city, July 12, 1871. He was educated in the public schools of New York city and Trinity College, Hartford, graduating therefrom in 1894. He entered the service of the Aetna after leaving college, and has been with the company continuously serving it in various capacities as clerk, examiner, special and general agent. He was elected to his present position in May, 1907.

ALLIANCE INSURANCE COMPANY, Philadelphia, Pa. Organized 1904; capital $750,000. Eugene L. Ellison, president; Benjamin Rush, vice-president; John O. Platt, second vice-president; T. Houard Wright, secretary; Sheldon Catlin, assistant secretary. Assets, December 31, 1914, $2,399,489.31; liabilities, $899,489.31.

ALLIANZ INSURANCE COMPANY, (Marine), Berlin, Germany. H. K. Fowler, United States manager, New York, N. Y.

AMERICAN AND FOREIGN MARINE INSURANCE COMPANY, New York. Organized 1896; capital, $300,000. W. L. H. Simpson, president; W. A. W. Burnett, vice-president; J. E. Hoffman, secretary and treasurer. Assets, December 31, 1914, $1,218,724.34; liabilities (except capital), $226,318.75.

AMERICAN CENTRAL INSURANCE COMPANY, St. Louis, Mo. Organized 1853; capital, $1,000,000. Edward T. Campbell, president; W. A. Blodgett, vice-president; B. G. Chapman, Jr., secretary. Total admitted assets December 31, 1914, $4,279-, 431.58; liabilities (except capital), $2,163,912.40.

AMERICAN COMPANIES ORGANIZED OR CONTROLLED BY FOREIGN COMPANIES. A number of fire insurance companies of other countries doing business in the United States have organized or acquired the control of companies with American charters. The following is the list May 1, 1915.

Caledonian,

Owning Caledonian American, N. Y.

Commercial Union,

Owning Commercial Union Fire, N. Y., and California Insurance [Company, San Francisco.

Liverpool and London and Globe,

Owning Liverpool and London and Globe, N. Y.

London and Lancashire,

Owning Orient, Hartford, and Safeguard, N. Y. North British and Mercantile,

Owning North British and Mercantile, N. Y., and Common[wealth Fire.

Phoenix of London,
Royal,

General Accident,

Owning Imperial Assurance, New York.

Owning Queen, N. Y.

Owning Potomac Fire, Washington, D. C.

ANCIENT AND HONORABLE ORDER OF THE BLUE GOOSE 9

AMERICAN DRUGGISTS FIRE INSURANCE COMPANY, Cincinnati, Ohio. Organized 1907; capital $200,000. C. H. Avery, president: L. G. Heinritz, vice-president; F. H. Freericks, secretary and general counsel; Geo. B. Kauffman, treasurer. Total admitted assets, December 31, 1914, $382,611.32; liabilities (except capital), $73,073.98.

AMERICAN EAGLE FIRE INSURANCE COMPANY, New York, N. Y. Organized 1915; capital, $1,000,000. Henry Evans, president; George E. Kline, vice-president; J. E. Lopez, second vice-president and secretary; David Rumsey, second vice-president and counsel; J. A. Swinnerton, F. R. Millard, Ernest Sturm, J. W. Robb, secretaries. The company was organized to take over the business of the "Fidelity Underwriters."

AMERICAN INSTITUTE OF MARINE UNDERWRITERS, THE, was established by American ocean marine insurance companies March 31, 1898. On May 25th the following officers were elected: Charles Platt of Philadelphia, president of the Insurance Company of North America, president; A. A. Raven, president of the Atlantic Mutual Insurance Company of New York, vice-president; L. Allyn Wight of New York, secretary; A. J. Macdonald of New York, treasurer. The functions of the Institute are advisory, rather than legislative. Most of the marine insurance companies are represented in the membership. Herbert Appleton of the United States "Lloyds," is president, and William H. McGee, secretary and treasurer; address, 77 Beaver Street.

AMERICAN INSURANCE COMPANY of Newark, N. J. Organized 1846; capital $1,000,000. Philemon L. Hoadley, president; Chas. E. Sheldon and C. Weston Bailey, vice-presidents; Frederick Hoadley, secretary; Roy C. Vanderhoof, assistant secretary; Archibald C. Cyphers, treasurer. Total admitted assets, December 31, 1914, $10,246,941; liabilities (except capital), $5,880,548.

AMERICAN MUTUAL FIRE INSURANCE COMPANY, Providence, R. I. Organized 1877. John R. Freeman, president and treasurer; Benj. G. Buttolph and Edwin D. Pingree, vice-presidents; Theodore P. Bogert, secretary. Total admitted assets, December 31, 1914, $656,406.76; liabilities, $393,251.41.

ANCHOR FIRE INSURANCE COMPANY, Des Moines, Ia. Organized 1899; reorganized as a stock company 1901; capital, $200,000. The company reinsured in the Northwestern Fire and Marine Insurance Company of Minneapolis in 1915.

ANCIENT AND HONORABLE ORDER OF THE BLUE GOOSE, THE, was organized during the meeting of the Wisconsin Field Men's Club at Green Lake, Wis., in June, 1906. The order conceived in a spirit of fun, developed a serious purpose, and its objects are social and fraternal. The following officers were elected: Most Loyal Grand Gander, Walter E. Atwater, of

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ANDRUS, SHERWOOD DICKERSON

the Commercial Union; His Highness, Supervisor of the Flock, Dr. W. E. Golden, Atlas; Grand Custodian of the Goslings, W. W. Conklin, Queen; Grand Wielder of the Goose Quill, George Heller, Jr., North America; Grand Keeper of the Golden Goose Egg, George A. Roberts, Detroit F. & M.; Guards to the Grand Custodian of the Goslings, L. S. Wallace, Pennsylvania Fire; C. H. Silkworth, Springfield; M. M. Hawxhurst, Michigan F. & M.; C. E. Hilbert, Lon. & Lanc.; Robe Bird, New York Underwriters; O. E. Lane, Providence-Washington. At the meeting in November, 1907, a new constitution was adopted and the order changed into a national organization, with the different state branch organizations known as "ponds." October, 1914, are: Most Loyal Grand Gander, J. R. Stewart, Toronto: Officers elected at the annual meeting in Grand Supervisor of the Flock, E. G. Carlisle, Chicago; Grand Custodian of the Goslings, Gus M. Wise, Kansas City; Grand Guardian of the Nest, W. J. Sonnen, Chicago; Grand Keeper of the Golden Goose Egg, John A. Hanson, St. Paul; Grand Wielder of the Goose Quill, Ben F. Lehnberg, Milwaukee, Wisconsin.

ANGLO-AMERICAN REINSURANCE COMPANY, Chicago, Ill. The company was organized in 1909 as the Central National Fire Insurance Company, and reorganized under the present name in 1914 to transact a reinsurance business. Willis S. Herrick, president; F. M. Rice, secretary.

ANDRUS, SHERWOOD DICKERSON, formerly general agent of the western department of the Georgia Home Insurance Company, of Columbus, Ga., at Chicago, Ill., was born at Watertown, Jefferson county, N. Y., April 5, 1855, of American parentage, and was educated in the public schools and Hope College, Holland, Mich. He began his insurance career in 1871 as clerk in the office of the Black River Insurance Company of Watertown (afterwards known as the Northern Insurance Company of N. Y.), and in 1878 removed to Chicago, where for a few years he was engaged in other business than insurance. In 1884 he was appointed special agent for the Sun Fire office in Illinois, and from 1886 to 1890 was special agent for the Norwich Union in Illinois and Indiana during which time he was secretary for three consecutive terms for the Illinois State Board of Fire Underwriters. Later he became an examiner in the western department of the National Fire, and from 1893 to 1908 he was connected with the Providence-Washington Insurance Company, first as special agent and then assistant manager of the western department. He was elected vice-president of The Fire Underwriters' Association of the Northwest in 1905. In 1908 he was appointed special agent for the Commonwealth Insurance Company of New York City for the Middle West and in 1909 was appointed general agent of the Georgia Home, but retired in 1912 and accepted a position with the New Jersey Fire Insurance Company of Newark, N. J., as superintendent of agencies. He was appointed vice-president and managing underwriter of the Inter-State Fire Insurance Company of Detroit in 1913. He was a