HENRY CLAY FIRE INSURANCE COMPANY, Fayette Bank Bldg., Lexing. ton, Ky. Organized March, 1910.

OFFICERS.-Pres., H. M. Froman; V. Pres. and Treas., J. L. Watkins; Sec., F. G. Stilz; Man. Undr., Claude F. Snyder.

DIRECTORS.-H. M. Froman, J. L. Watkins, C. F. Snyder, F. G. Stilz, Judge Matt Walton, Garrett D. Wilson, W. B. Brock, W. H. Castner, Louis Marshall, Charles E. Hoge, H. G. Garrett, E. W. Young, W. H. Cox, E. C. O'Rear, C. P. Scott, J. R. Durham, A. Offutt, T. L. Hornsby, J. R. Dorman, T. B. McGregor, C. H. Morris, J. G. Foley, E. E. Fullerton, D. C. Amos, W. A. Gaines, F. J. James, J. L. Scott, L. H. Grooms.

WRITES.-Fire, Tornado and Hail Insurance.

TERRITORY COVERED.-Ky., Tenn., Ohio, Ind., Ill., Mich., Wis., Ia., Pa.,

N. J.

HIBERNIA FIRE INSURANCE COMPANY, 175 W. Jackson Blvd., Chicago, Ill. Organized August 7, 1916.

OFFICERS.-Pres., James I. Naghten; V. Pres., R. W. Wolfe; Scc., Robert G. Devlin; Treas., Robert G. Devlin; Man. Undr., John Naghten & Co.,

DIRECTORS James I. Naghten, Thos. F. Kelley, George Essig, Mark P. Bransfield, Edw. Landsberg, Frank A. Naghten, R. W. Wolfe, P. J. Maguire, John Cunnea, Geo. E. Brannan, D. J. Young, Jos. Trines, Eugene M. Keeley, John C. Gorman, N. L. Piotrowski.

1905.

TERRITORY COVERED.-Illinois only.

HOME FIRE INSURANCE COMPANY, Fordyce, Ark.

Organized February,

OFFICERS.-Pres., A. B. Banks; V. Pres., J. H. Meek; Sec., John R. Hampton; Treas., Supt. of Agencies and Man. Úndr., John R. Hampton.

DIRECTORS.-A. B. Banks, John R. Hampton, J. G. Pattillo, J. H. Meek, C. D.

Kenesson.

WRITES.-Fire and Tornado Insurance.

TERRITORY COVERED.-Arkansas and Mississippi.

HOME INSURANCE COMPANY OF HAWAII, LTD., 816 Fort street, Honolulu, Hawaii. Organized August 10, 1911.

OFFICERS.-Pres., J. A McCandless; V. Pres., F. D. Lowrey; Sec., Norman Watkins; Treas., Zeno K. Myers; Man. Undr. and Pur. Agent, M. V. Ferreira.

DIRECTORS.-F. D. Lowrey, Charles Gem, John A. Scott, A. S. Wilcox, R. A. Wadsworth, J. A. McCandless, Norman Watkins, Zeno K. Myers, G. F. Bush, A. J. Campbell, É. A. Berndt.

WRITES.-Fire, Automobile, Plate Glass, Package (Mail), Tourists' Baggage, Bonds, Accident and Health, Compensation and Industrial Accident and Health Insurance. TERRITORY COVERED.-Hawaii only.

HOME FIRE INSURANCE OF UTAH, 22 South Main street, Salt Lake City, Utah. Organized September 30, 1886.

OFFICERS.-Pres., Heber J. Grant; V. Pres., George Romney; Sec., Horace G. Whitney; Asst. Sec., George J. Cannon; Treas., Edgar S. Hills; Supt. of Agencies, George J. Cannon; Man. Undr., A. L. Macdonald; Purchasing Agent, George J. Cannon. DIRECTORS.-Heber J. Grant, George Romney, John R. Barnes, Elias A. Smith, Joseph F. Smith, M. S. Browning, P. T. Farnsworth, Francis M. Lyman, John C. Cutler, Charles S. Burton, John F. Bennett, Thomas G. Webber, W. W. Riter.

SALT LAKE MANAGERS.-Heber J. Grant & Company, Gen. Agents, Utah, Idaho, Montana. DENVER MANAGER.-Gerald L. Schuyler, Gen. Agent, Colorado and Wyoming. PACIFIC COAST DEPARTMENT MANAGERS.-H. R. Mann & Company, San Francisco; covering California, Washington and Arizona.

WRITES.-Fire and Lightning Insurance.

TERRITORY COVERED.-Utah, Idaho, Mont., Ariz., Colo., Wyo., Cal., Wash.

HOME FIRE INSURANCE CORPORATION OF VIRGINIA, Hampton, Va. Incorporated July 1, 1905. OFFICERS.-Pres., Joseph T. Lee; V. Pres., Nelson S. Groome; Sec., H. W.

Saunders.

DIRECTORS.-F. W. Darling, R. E. Wilson, H. R. Booker, W. B. Baldwin, J. W. Rowe, A. T. Ransone, R. I. Mason, C. H. Hewins, W. W. Richardson, J. W. Hope, J. B. Kimberly, G. K. Vanderslice, E. M. Tennis, A. James, W. W. Woodward, S. C. Rees, J. A. Willett, J. M. Willis, N. S. Groome, H. W. Saunders, George E. Hunt, J. T. Lee. TERRITORY COVERED.—Virginia.

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TENDENCE INSURANCE COMPANY, 435 'Vainut street, Philadelphia.
Pre fenry Brown; V. Pres., Iverett J. Crosby; See.-Treas., Theo
Crosby, George II. May, Edward D. Teland. Edward F.
Morgan, William | I Voodin, Russell S. Hubbard, Roiand L. Tayior.
P, NY., N.,., M., Mass.

INDUSTRIAL FIFE INSURANCE COMPANY, Akron, Ohio. Organized Au
OFFICERS. PF P Ormsby; V. Pres., J. S. Frelinghuysen; Sec., G. F.

DIRECTORS.-F. R. Ormsby, C. W. Seiberling, G. A. Rohner, John Rowley, C. A. Lay, J. A. Metz., Jr.; A. B. Squier, A. L. Sanfield, G. W. Vancleef, J. J. Kline, W. A. Ault, I. S. Myers, Joseph Winum, J. S. Frelinghuysen, G. F. Hutchings.

WRITES.-Fire and Tornado Insurance.

TERRITORY COVERED.-Ohio, N. Y., N. J., Pa., Del., Ill., Wash., Cal., B. C. and Manitoba.

INSURANCE COMPANY OF NORTH AMERICA, Third and Walnut streets, Philadelphia, Pa. Organized 1792. OFFICERS.-Pres., Benjamin Rush; V. Prests., John O. Platt, Sheldon, Catlin, Galloway C. Morris; Sec.-Treas., T. Houard Wright; Asst. Sec., John Kremer; Marine Sec., T. Leaming Smith.

DIRECTORS.-Edward H. Coates, John Story Jenks, Edward Hopkinson, George H. McFadden, William D. Winsor, Henry W. Biddle, C. Hartman Kuhn, Arthur E. Newbold, Charles Platt, 3d; Charles S. W. Packard, J. Percy Keating, Benjamin Rush, G. Colesberry Purves, Bayard Henry, John W. Pepper, Edward S. Buckley, Jr., William T. Elliott, William P. Gest, Thomas S. Gates, Wm. S. Godfrey.

NEW ENGLAND DEPARTMENT MANAGER.-Charles E. Parker.
SOUTHERN DEPARTMENT MANAGER.-Dan B. Harris.

WESTERN GENERAL AGENT.-Charles R. Tuttle.

PACIFIC COAST GENERAL AGENT.-J. C. Johnston.

CANADA GENERAL AGENTS.-Robert Hampson & Son, Ltd., Montreal.

WRITES.-Fire, Marine, Inland, Tourist, Automobile, Motor Boat, Parcel Post, Registered Mail, Rent, Tornado, Leasehold, Perpetual and Use and Occupancy Insurance. TERRITORY COVERED. United States and Canada.

INSURANCE COMPANY OF THE STATE OF PENNSYLVANIA, 308-310 Walnut street, Philadelphia, Pa. Organized April 18, 1794.

OFFICERS.-Pres., Gustavus Remak, Jr.; V. Prests., Waite Bliven, H. W. Stephenson, J. Henry Scattergood; Sec.-Treas., John J. P. Rodgers; Asst. Sec., Samuel P. Rodgers.

DIRECTORS.-George Vaux, Jr., Gustavus Remak, Jr., Richard L. Austin, Charles Fearon, John M. Shrigley, Lawrence T. Paul, Joseph S. Frelinghuysen, J. Henry Scattergood, Percy H. Clark, C. E. Morgan, 3d; Laurens R. Bowden, Edward F. Beale, Waite Bliven, C. H. Krumbhaar, Jr.; W. W. Curtin.

WRITES.-Fire, Lightning, Tornado, Automobile, and Marine Insurance.

TERRITORY COVERED.-Me., N. H., Mass., Conn., R. I., N. Y., N. J., Penn., Del., Md., Va., D. C., Ga., Florida, La., Tex., Ohio, Mich., Wis., Ill., Ind., Iowa, Minn., Mo., Okla., Neb., Colo., Mont. Ore., Wash., Cal., S. D., W. Va., Ky., Tenn. and Canada.

INTERNATIONAL FIRE INSURANCE COMPANY, 3504 Gillon avenue, Dallas, Tex. Organized June 9, 1909.

OFFICERS.-Pres., George W. Jalonick; V. Prests., I. Jalonick, J. P. Crouch, A. F. Pillet; Sec., J. H. Hines; Asst. Sec., W. P. Anderson.

PACIFIC COAST DEPARTMENT MANAGERS.-Thos. Edwards and Chas. R. Watson, S. A.

DIRECTORS.-R. L. Heflin, J. S. Heard, J. P. Crouch, Edgar Flippen, R. A. Ferris, George W. Jalonick, I. Jalonick, A. F. Pillet, G. G. Wright, E. E. Whitney, S. R. Crawford, Ira T. Moore, J. B. Adoue.

WRITES.-Fire, Tornado, Hail, Lightning, Profits, Rents and Use and Occupancy TERRITORY COVERED.-Texas and California.

Insurance.

Kortenbeutel.

INTERNATIONAL INSURANCE COMPANY OF NEW YORK, New York, N. Y. Organized March, 1909. OFFICERS.-Pres., Sumner Ballard; V. Pres., William Y. Wemple; Sec., Fritz DIRECTORS. Sumner Ballard, Ernst Behre, Carl L. Schurz, Rudolph Keppler, Franz F. Mutzenbecher, Hermann Mutzenbecher, Edmund Pavenstedt, William Schall, Jr., William Y. Wemple, William G. Willcox, Paul C. Schnitzler, Carl Muller, Fritz Kortenbeutel.

WRITES.-Fire Reinsurance.

INTER-STATE FIRE INSURANCE COMPANY, 406 Dime Bank Bldg., Detroit, Mich. Organized 1913.

OFFICERS.-Pres., Calvin A. Palmer; First V. Pres. and Man. Undr., Sherwood D. Andrus; Second V. Pres., C. O. Davis; Secs., W. A. Eldridge, H. R. Vernor; Treas., Leo K. Hennes.

DIRECTORS.-C. O. Davis, J. H. Beckton, Jul. W. Berns, Dr. Roman Sadowski, G. T. Sands, Dr. W. A. Vance, Thomas Bennett, Charles Clarage, Dr. W. T. Dodge,

HANOVER FIRE INSURANCE COMPANY, 34-36 Pine street, New York. Organized April, 1852.

OFFICERS.-Pres., R. Emory Warfield; V. Pres., Fred. A. Hubbard; Sec., E. S. Jarvis; Asst. Sec., William Morrison.

DIRECTORS.-R. Emory Warfield, Joseph T. Low, William Allen Butler, Stuart G. Nelson, Frank P. Carpenter, A. D. Straus, George W. Stickle, Israel P. Pardee, William H. Ziegler, Charles A. Shaw, Samuel J. Clarke, James R. Harrison, Joseph McCord, Benjamin Walworth Arnold, Arthur S. Walcott, Henry G. Sanford, James E. Clark, Edward Hunter Landon, Robert L. Pierrepont, Edward H. Ladd, Jr.; Alfred E. Marling, Frank G. Darte, Horace C. Coleman, S. Davies Warfield, Fred A. Hubbard.

WESTERN DEPARTMENT MANAGER-Chas. W. Higley.
WRITES. Fire, Automobile, Tornado and Marine Insurance.

TERRITORY COVERED.-All States, except Ark., Ariz., Nev., N. M., S. C.

and Vt.

The Hanover was organized with a paid-in capital of $150,000, and as time passed this sustained both increases and decreases and stands to-day at $1,000,000. By the terms of its charter it may write all kinds of insurance, but at present confines itself to fire, tornado and marine. The Company was unusually prosperous from the very beginning, and has made a fine financial success both for its stockholders and to the greater security of its policyholders-paying dividends as high as 16% in 1912 and 1913, and settling its losses promptly and to the entire satisfaction of the insured. On December 31 last it had admitted assets of $4,921,189, as contrasted with $4,542,457 at the close of 1915. Further comparisons are equally interesting: Reinsurance reserve, 1916, $2,635,413-1915, $2,481,089; net surplus, 1916, $906,081-1915, $801,114; net premium income in 1916, $2,609,901-in 1915, $2,264,979; gross income in 1916, $2,780,423-in 1915, $2,419,270. In 1916 it paid a cash dividend of $100,000 for the year, and had a ratio of losses incurred to premiums of 49.2 per cent. Many of the names in the list of directors are familiar in every part of the country, and stand for large financial interests and responsibilities. It is also of importance to note that the management is composed of underwriters of experience and of excellent reputation. President Warfield, a native of Maryland, has been in the fire insurance business since 1871 when he entered the office of the Firemen's of Baltimore as a clerk. He has had charge of important Southern interests for both the Continental and the Royal, being manager of the latter's combined Baltimore and Philadelphia departments when he accepted the presidency of the Hanover in 1906. He is an able and safe leader.

HARMONIA FIRE INSURANCE COMPANY, 206 Genesee street, Buffalo, N. Y. Organized July 17, 1877; reincorporated as stock company August 28, 1915. OFFICERS.-Pres., John H. Knepper; V. Prests., John Honecker, John G. Hoeckh; Sec., Edward Oberkircher; Treas., John Honecker.

DIRECTORS.-John H. Knepper, John G. Hoeckh, John Honecker, Christ Honecker, Bal Speidel, Louis Baitz, Gottlieb Hagmann, Philip Erbes, Geo. Miller, John Moest, Geo. A. Herner, Edward Oberkircher, George Kleindinst, Edward D. Strebel, Charles P. Woltz.

WRITES.-Fire Insurance.

TERRITORY COVERED.-Buffalo, N. Y.

HARTFORD FIRE INSURANCE COMPANY, Hartford, Conn. Organized May, 1810. OFFICERS.-Pres., R. M. Bissell; V. Prests., Whitney Palache, James Wyper; Secs., Frederick Samson, S. E. Locke; Asst. Sec., T. H. Scotland; Rec. Sec. and Treas., D. J. Glasier.

DIRECTORS.-Theodore Lyman, George Roberts, William C. Skinner, M. H. Whaples, Charles E. Chase, R. M. Bissell, Henry S. Robinson, C. L. F. Robinson, Walter L. Goodwin.

SOUTHERN DEPARTMENT.-W. R. Prescott, Gen. Agt.

WESTERN DEPARTMENT.-Dugan & Carr, Gen. Agts.

PACIFIC COAST DEPARTMENT.-Dixwell Hewitt.

WRITES. Marine, Sprinkler Leakage, Hail, Tornado and Explosion Insurance.

TERRITORY COVERED.-United States, Porto Rico, Hawaii, Cuba, and Canada.

HAWAIIAN INSURANCE AND GUARANTY COMPANY, LTD., 31 Waianuenue avenue, Hilo, Hawaii. Organized January 9, 1915. OFFICERS.-Pres., John T. Moir; V. Pres., C. C. Kennedy; Sec., H. V. Patten; Treas., H. B. Mariner; Man. Undr., H. B. Mariner.

DIRECTORS.-C. S. Carlsmith, Gen. Counsel; S. S. Rolph, Auditor; W. H. Shipman, John M. Ross, Jas. Henderson, C. E. Wright, Wm. Pullar, and officers above. WRITES.-Automobile, Workmen's Compensation, Accident and Health, Bonds In

surance.

TERRITORY COVERED.-Hawaii only.

HENRY CLAY FIRE INSURANCE COMPANY, Fayette Bank Bldg., Lexington, Ky. Organized March, 1910. OFFICERS.-Pres., H. M. Froman; V. Pres. and Treas., J. L. Watkins; Sec., F. G. Stilz; Man. Undr., Claude F. Snyder.

DIRECTORS.-H. M. Froman, J. L. Watkins, C. F. Snyder, F. G. Stilz, Judge Matt Walton, Garrett D. Wilson, W. B. Brock, W. H. Castner, Louis Marshall, Charles E. Hoge, H. G. Garrett, E. W. Young, W. H. Cox, E. C. O'Rear, C. P. Scott, J. R. Durham, A. Offutt, T. L. Hornsby, J. R. Dorman, T. B. McGregor, C. H. Morris, J. G. Foley, E. E. Fullerton, D. C. Amos, W. A. Gaines, F. J. James, J. L. Scott, L. H. Grooms.

WRITES.-Fire, Tornado and Hail Insurance.

TERRITORY COVERED.-Ky., Tenn., Ohio, Ind., Ill., Mich., Wis., Ia., Pa.,

N. J.

Ill.

HIBERNIA FIRE INSURANCE COMPANY, 175 W. Jackson Blvd., Chicago, Organized August 7, 1916.

OFFICERS.-Pres., James I. Naghten; V. Pres., R. W. Wolfe; Scc., Robert G. Devlin; Treas., Robert G. Devlin; Man. Undr., John Naghten & Co.,

DIRECTORS.-James I. Naghten, Thos. F. Kelley, George Essig, Mark P. Bransfield, Edw. Landsberg, Frank A. Naghten, R. W. Wolfe, P. J. Maguire, John Cunnea, Geo. F. Brannan, D. J. Young, Jos. Trines, Eugene M. Keeley, John C. Gorman, N. L. Piotrowski.

1905.

TERRITORY COVERED.-Illinois only.

HOME FIRE INSURANCE COMPANY, Fordyce, Ark.

Organized February,

OFFICERS.-Pres., A. B. Banks; V. Pres., J. H. Meek; Sec., John R. Hampton; Treas., Supt. of Agencies and Man. Úndr., John R. Hampton.

DIRECTORS.-A. B. Banks, John R. Hampton, J. G. Pattillo, J. H. Meek, C. D.

Kenesson.

WRITES.-Fire and Tornado Insurance.

TERRITORY COVERED.-Arkansas and Mississippi.

HOME INSURANCE COMPANY OF HAWAII, LTD., 816 Fort street, Honolulu, Hawaii. Organized August 10, 1911.

OFFICERS.-Pres., J. A McCandless; V. Pres., F. D. Lowrey; Sec., Norman Watkins; Treas., Zeno K. Myers; Man. Undr. and Pur. Ágent, M. V. Ferreira.

DIRECTORS.-F. D. Lowrey, Charles Gem, John A. Scott, A. S. Wilcox, R. A. Wadsworth, J. A. McCandless, Norman Watkins, Zeno K. Myers, G. F. Bush, A. J. Campbell, E. A. Berndt.

WRITES.-Fire, Automobile, Plate Glass, Package (Mail), Tourists' Baggage, Bonds, Accident and Health, Compensation and Industrial Accident and Health Insurance. TERRITORY COVERED.-Hawaii only.

HOME FIRE INSURANCE OF UTAH, 22 South Main street, Salt Lake City, Utah. Organized September 30, 1886.

OFFICERS.-Pres., Heber J. Grant; V. Pres., George Romney; Sec., Horace G. Whitney; Asst. Sec., George J. Cannon; Treas., Edgar S. Hills; Supt. of Agencies, George J. Cannon; Man. Undr., A. L. Macdonald; Purchasing Agent, George J. Cannon. DIRECTORS.-Heber J. Grant, George Romney, John R. Barnes, Elias A. Smith, Joseph F. Smith, M. S. Browning, P. T. Farnsworth, Francis M. Lyman, John C. Cutler, Charles S. Burton, John F. Bennett, Thomas G. Webber, W. W. Riter.

SALT LAKE MANAGERS.-Heber J. Grant & Company, Gen. Agents, Utah, Idaho, Montana. DENVER MANAGER.-Gerald L. Schuyler, Gen. Agent, Colorado and Wyoming. PACIFIC COAST DEPARTMENT MANAGERS.-H. R. Mann & Company, San Francisco; covering California, Washington and Arizona.

WRITES.-Fire and Lightning Insurance.

TERRITORY COVERED.-Utah, Idaho, Mont., Ariz., Colo., Wyo., Cal., Wash.

HOME FIRE INSURANCE CORPORATION OF VIRGINIA, Hampton, Va. Incorporated July 1, 1905. OFFICERS.-Pres., Joseph T. Lee; V. Pres., Nelson S. Groome; Sec., H. W.

Saunders.

DIRECTORS.-F. W. Darling, R. E. Wilson, H. R. Booker, W. B. Baldwin, J. W. Rowe, A. T. Ransone, R. J. Mason, C. H. Hewins, W. W. Richardson, J. W. Hope, J. B. Kimberly, G. K. Vanderslice, E. M. Tennis, A. James, W. W. Woodward, S. C. Rees, J. A. Willett, J. M. Willis, N. S. Groome, H. W. Saunders, George E. Hunt, J. T. Lee. TERRITORY COVERED.-Virginia.