New Brunswick Board of Fire Underwriters.
New England Bureau of United Inspection.
New England Insurance Exchange.

New Hampshire Board of Fire Underwriters.
New Jersey Schedule Rating Office.

New York Board of Fire Underwriters.
New York Fire Insurance Exchange.
Newfoundland Board of Fire Underwriters.
North Carolina Fire Prevention Association.
Nova Scotia Board of Fire Underwriters.
Ohio Inspection Bureau.

Ohio State Fire Prevention Association.
Oklahoma Inspection Bureau.

Philadelphia Fire Underwriters' Association.
Philadelphia Suburban Underwriters' Association.
Portland Cement Association.

Rocky Mountain Fire Underwriters' Association.
Society Advocating Fire Elimination.

Society of Motion Picture Engineers.

South Dakota State Fire Prevention Association.
Southern Cypress Manufacturers' Association.
South-Eastern Underwriters' Association.

St. Louis Fire Prevention Bureau.
Suburban Fire Insurance Exchange.
Tennessee Fire Prevention Association.
Tennessee Inspection Bureau.

Texas Fire Prevention Association.
Texas State Fire Insurance Commission.

The Union.

Underwriters Association of the District of Columbia.
Underwriters' Assn. of the Middle Department.
Underwriters' Association of New York State.

Underwriters' Bureau of Middle and Southern States.
Underwriters' Bureau of New England.

Underwriters' Laboratories, Inc.

Vancouver Island Fire Underwriters' Association.

Water Works Manufacturers Association.

Western Actuarial Bureau (Fire).

Western Canada Fire Underwriters' Association.

Western Canada Grain Association.

Western Factory Insurance Association.

Western Sprinklered Risk Association.

West Virginia Inspection Bureau.

Western Improved Risk Association.

Western Insurance Bureau.

Wisconsin Inspection Bureau.

Wisconsin State Fire Prevention Association.

NATIONAL INSURANCE CONVENTION.

surance Convention, life section, this volume.]

[See National In

NATIONAL LIBERTY INSURANCE COMPANY OF AMERICA, New York. Organized 1859; capital, $1,000,000. George B. Edwards, president: Gustav Kehr, vice-president; L. F. Goulé, secretary; Louis Pfingstag, G. H. Kehr, assistant secretaries.

NATIONAL LUMBER INSURANCE COMPANY, Buffalo, N. Y. [See New York National Insurance Company. Name changed in 1917.]

NATIONAL MUTUAL ASSURANCE COMPANY, Philadelphia, Pa. Organized 1901. F. A. Downes, president and treas

urer; Samuel L. Hammer, vice-president; Herbert P. Onyx, acting secretary.

NATIONAL MUTUAL CHURCH INSURANCE COMPANY, Chicago, Ill. Organized 1899. N. M. Jones, president; Frank P. Crandon, vice-president; Henry P. Magill, secretary and manager; Sampson Rogers, treasurer; Frank L. Hart, assistant secretary.

NATIONAL MUTUAL INSURANCE COMPANY, THE, Celina, Ohio. Organized 1915. J. D. Johnson, president; Otto F. Rentzsch, vice-president; E. J. Brookhart, secretary; W. T. Palmer, treasurer. Automobile, motor truck, and farm tractor insurance only.

NATIONAL SECURITY FIRE INSURANCE COMPANY, Omaha, Neb. Organized 1915; cash capital, $108,000, authorized $500,000. W. A. George, president; E. E. Howell, vice-president; O. A. Danielson, secretary; F. J. Zeman, treasurer.

COMPANY,

NATIONAL TRADES' FIRE INSURANCE Chicago, Ill. Organized 1906; cash capital, $200,000. William H. Rehm, president; Edward Landsberg, vice-president; Peter S. Theurer, treasurer; E. Graham Rhoads, secretary; James W. Going, managing underwriter.

NATIONAL UNION FIRE INSURANCE COMPANY, Pittsburgh, Pa. Organized 1901; capital, $1,000,000. E. E. Cole, president; A. W. Mellon, vice-president; Wm. G. Armstrong, secretary; R. M. Nevins and Frederick Ackerman, assistant secretaries; A. W. McEldowney, treasurer; C. A. Tyler, assistant treasurer.

NATIONAL UNION FIRE INSURANCE COMPANY, Washington, D. C. Organized, 1865; capital, $100,000. Albert F. Fox, president; Philip F. Larner, secretary.

NEBRASKA ASSOCIATION OF LOCAL INSURANCE AGENTS was organized July, 1899. Daniel H. Wheeler, Sr., Omaha, was elected president, and John W. Robbins, Omaha, sceretary and treasurer. The present officers, elected in April, 1917, are: President, A. H. Berbig, Kearney; vice-president, Theodore P. Boehm, Grand Island; secretary and treasurer, Frank T. B. Martin, Omaha; executive committee, Frank J. Haskell, Omaha, chairman; William Penner, E. R. Goodman, Fred E. Walt, C. O. Olsen.

NEBRASKA NATIONAL INSURANCE COMPANY, Lincoln, Neb. Organized 1899; capital, paid in, $20,000. E. D. Beach, president; John A. Wachter, vice-president; P. F. Zimmer, secretary and treasurer. The company originally organized as an assessment hail insurance company, and in 1913 as the National Hail Insurance Company, qualified as a mutual company. The present title was adopted in 1917, and the company qualified to do a general business and to create a cash capital and guarantee fund not to exceed $500,000.

NEBRASKA STATE FIRE PREVENTION ASSOCIATION was organized in 1912, and officers were elected as follows: President, W. C. Lyle; vice-president, W. H. Harding; secretary and treasurer, F. M. Pond. The present officers elected in November, 1916, are: President, Willard S. Harding, Springfield Fire and Marine; secretary and treasurer, F. M. Pond, Fidelity-Phoenix; assistant secretary, Miss E. R. Pratt.

NETHERLANDS FIRE AND LIFE INSURANCE COMPANY. Established 1845, The Hague, Holland. Harold W. Letton, United States manager; George S. Valentine, assistant manager, Chicago, Ill.

NEVADA FIRE INSURANCE COMPANY, Reno, Nev. Organized 1914; capital, $200,000. W. C. Pitt, president; W. H. Hood, R. Kirkman, and J. J. Hylton, vice-presidents; Robert Carlson, secretary and treasurer.

NEWARK FIRE INSURANCE COMPANY, THE, Newark, N. J. Chartered 1811; capital, $500,000. Edgar J. Haynes, president; C. F. Shallcross, vice-president; Thomas L. Farquhar, secretary: Thomas D. Richardson, treasurer; A. Larter, manager automobile department. Control of the company was acquired by the Royal of Liverpool in 1917.

NEW BRUNSWICK FIRE INSURANCE COMPANY, of New Brunswick, N. J., was organized in 1826. The charter authorizes the company to transact fire, tornado, marine, and sprinkler leakage insurance. The officers of the New Brunswick Fire are: Geo. A. Viehmann, president; D. L. Morrison, vice-president; Chas. D. Ross, vice-president and secretary; E. B. Wycoff, treasurer; I. D. Clark, assistant secretary; and Gresham Ennis, assistant secretary.

NEWBURYPORT MUTUAL FIRE INSURANCE COMPANY, Newburyport, Mass. Organized 1829. William R. Johnson, president; Edward Osgood, secretary and treasurer.

NEW ENGLAND AUTOMOBILE UNDERWRITERS' CONFERENCE. Organized 1916. The officers are: President, W. R. Hedge, Boston; vice-president, G. H. Tryon, National Fire; secretary and treasurer, C. S. Timberlake, Hartford Fire.

NEW ENGLAND BUREAU OF UNITED INSPECTION. The New England Bureau of United Inspection was organized at Boston in December, 1887, for the purpose of making frequent and complete surveys of important risks in New England, the reports to be furnished to subscribing companies. The bureau is in charge of a governing committee of nine, the list being elected annually.

At the annual election held in Boston in February, 1918, the following officers were elected to serve for the ensuing year: Charles Haas, chairman; H. Belden Sly, vice-chairman; Clifford H. Rice,

treasurer; Edward A. Northey, clerk and manager. The governing committee elected comprises, Charles Haas, Clifford H. Rice, H. Belden Sly, W. H. Winkley, F. E. Dunham, Walter Adlard, F. A. Nutt, John J. Lovett, Geo. H. Allen.

The following are the subscribing companies:

Agricultural Insurance Co.
Alliance Insurance Co.

American Eagle Fire Insurance Co.
City of New York Insurance Co.
Continental Insurance Co.

Eagle & British Dominion Ins. Co.
Fidelity-Phenix Fire Insurance Co.
Fireman's Fund Insurance Co.
Firemen's Insurance Co.
Firemen's Underwriters.
General Fire Assurance Co.
Girard Fire and Marine Ins. Co.
Granite State Fire Insurance Co.
Hanover Fire Insurance Co.
Ins. Company of North America.
Ins. Company of State of Pennsylvania.
London Assurance Corporation.

Massachusetts F. & M. Insurance Co.
Mechanics Ins. Co.

Milwaukee Mechanics' Insurance Co.
National Liberty Insurance Co.
National Union Fire Insurance Co.
Nationale Fire Insurance Co. of Paris.
Niagara-Detroit Underwriters.
Niagara Fire Insurance Co.
North River Insurance Co.

Northwestern National Insurance Co.
Phenix Fire Insurance Co., of Paris
Philadelphia Underwriters.
Reliance Insurance Co.

Rhode Island Insurance Co.
Union Fire Insurance Co., of Paris.
Urbaine Fire Ins. Co.

Yorkshire Insurance Co., Ltd.

The inspectors of the Bureau are: Geo. H. Robinson, M. F. Jones, William H. Warner, J. M. Glen, F. H. Metcalf, J. M. Goodwin, W. D. Chandler, P. Spaulding, T. V. Dalton, W. W. Morse, C. W. Wright.

The inspectors of the Bureau made inspections during the year to the number of 4,455 and found 3,126 defects, divided as follows: Under construction, 245; in hazards, 160; administration and special features, 277; electrical equipment, 226; fire protection, 1,474; sprinkler systems, 744; which were corrected. Tests of fire apparatus and sprinkler systems to the number of 3,958 were also made during the year.

NEW ENGLAND INSURANCE EXCHANGE was organized by special agents of fire insurance companies at Boston, January 6, 1883. Prior to this anything like order or cohesion in rates in New England, outside of Boston, was practically unknown, and very few local boards were in existence. The first attempt to make rates beyond the limits of Boston was in November, 1882, when a meeting of special agents was held to consider paper mills. It resulted in sending out a circular to companies asking them if they would stand by a scheme of rates on this class of risks if they were made, and forty-four companies answered that they would. This success encouraged hope of a closer organization, and resulted a few months later in the formation of the Exchange.

Membership in the organization is entirely personal and is open to all persons whose principal occupation is the New England field work of any stock fire insurance company. The objects of the Exchange are declared by the constitution to be "the systematic interchange of information and co-operation among field men." The Exchange is a rating and supervising body. Its preliminary work is mainly done through standing committees, of which there are (April 1, 1918) six of the Exchange and 103 in charge of as many localities in New England, all committees being composed of mem

bers of the Exchange. These committees report to the Exchange at its weekly meetings, and their action is approved or disapproved by that body.

The jurisdiction of the Exchange covers New England with the exception of Boston and Providence (which are controlled by their Boards of Fire Underwriters) and the state of New Hampshire (which has its own state board).

The presidents of the Exchange since organization have been as follows: 1883, U. C. Crosby (two terms); 1885, George P. Field; 1886, George W. Taylor; 1887, Henry E. Hess; 1888, Henry R. Turner; 1889, Benjamin R. Stillman; 1890, Frank A. Colley; 1891, U. C. Crosby (third term); 1892, Moses R. Emerson; 1893, Charles B. Fowler; 1894, A. C. Adams; 1895, G. W. Hinkley; 1896, William H. Smith (two terms); 1898, F. A. Wetherbee; 1899, J. B. Cornish; 1900, George Neiley (two terms); 1902, G. A. Furness (two terms); 1904, C. D. Palmer (two terms); 1906, G. T. Forbush; 1907, F. A. Wetherbee (second term); 1908-9, Wm. F. Rice; 1910-11, J. W. Grover; 1912-13, A. K. Slade; 1914-15, A. B. Fowler; 1916-1917, Henry J. Ide.

The secretaries have been: 1883, James Bruerton; 1884, Arthur A. Clarke, 1888, Oliver P. Clarke; 1891, C. M. Goddard.

The present officers, elected at the annual meeting in January, 1918, are as follows: F. H. Battilana, president; C. H. Rice, W. H. Winkley, vice-presidents; C. M. Goddard, secretary and treasurer; Ralph Sweetland, assistant secretary. The executive committee, F. B. Luce, chairman, J. H. Bourne, R. G. Hinkley, L. B. Howard, A. J. Murphy, L. W. Thompson.