the casualty department. The latest figures available show cash capital of $500,000, total admitted assets of $1,801,040.80, consisting of first mortgages, real estate, $621,738.12; State, county, municipal bonds, $303,208.08; cash in banks, $692,243.01; premiums due company, $171,653.42; real estate, $500,000; accrued interest, $15,483.99; nonledger assets $120,070.89; making a total of $1,929,397.51; deducting assets not admitted by insurance departments, $128,356.71; leaves total admitted assets of $1,801,040.80.

Labilities, except capital amount to $1,004,992.48, reinsurance reserves $441,101.97 and net surplus of $296,048.32. The company also maintains a reserve for unpaid losses and expenses, miscellaneous lines, $156,611.34; reserve for unpaid losses and expenses, liability and compensation (per statutory requirements, $187,188.76; and a voluntary contingent reserve for outstanding losses, $144,969.06. During 1916 it transacted a large business receiving net premiums of $1,154,450.35 with a total income from all sources of $1,568,212.70 paying $539,056.37. It discontinued writing workmen's compensation and also withdrew from New York the first of the present year. It is now doing a splendid business and its operations in the past are such as to predict an excellent record for the future.

CLOVER LEAF CASUALTY COMPANY, 306-8 E. State street, Jacksonville Ill. Incorporated May 22, 1912. Commenced business May 22, 1912. OFFICERS.-Pres., F. H. Rowe; V. Prests., W. C. Bradish, G. H. Lane, T. J. Kelly; Sec. R. Y. Rowe; Treas., C. Y. Rowe; Auditor, W. C. Bradish. DIRECTORS.-F. H. Rowe, W. C. Bradish, L. H. Clampit, H. G. Rockwood, C. J. Doyle, G. H. Lane, C. Y. Rowe, R. Y. Rowe, C. E. Bradish, T. J. Kelly. WRITES.-Health and Accident Insurance.

TERRITORY COVERED.-Ohio, Indiana, Illinois, Missouri, Kansas.

COMMERCIAL CASUALTY INSURANCE COMPANY, 31 Clinton street, Newark, N. J. Organized April 2, 1909. OFFICERS.-Pres., C. W. Feigenspan; V. Pres., H. C. Mitchell; Sec., W. Van Winkle; Treas., J. Horace Shale. DIRECTORS.-C. W. Feigenspan, Harry C. Mitchell, Edward C. Stokes, Winton C. Garrison, George J. Roberts, John F. Conroy, Abraham Rothschild, John Howe, E. C. Hutchinson, James C. Hinchliffe, Rudolph V. Kuser, E. C. Feigenspan, A. H. Bachellor, Jos. M. Riker, J. Horace Shale.

WRITES.-Personal Accident, Health, Automobile Liability, Automobile Property Damage, Elevator, Employers' Liability, General Liability, Plate Glass, Public Liability, Teams, Workmen's Compensation Insurance.

TERRITORY COVERED.-Del., D. C., Md., Mass., N. J., N. Y., Pa., R. I., W. Va., Ill.

COMMONWEALTH CASUALTY COMPANY, Boston, Mass.

Organized 1914.

COMMONWEALTH CASUALTY COMPANY, Drexel Bldg., Philadelphia, Pa. Organized March 20, 1906.

OFFICERS.-Pres., I. N. Stevens; V. Pres., Wallace G. Bobb, M. D.; Sec., E. S. Cook; Treas., Chas., T. Megee; Mgr. of Agts., E. W. Cook; Gen. Counsel, C. Wm. Freed.

DIRECTORS.-I. N. Stevens, E. S. Cook, W. G. Bobb, C. T. Megee, H. C. Stewart, Milton Birch, E. W. Cook, C. Wm. Freed, H. S. Glazier.

WRITES.-Health and Accident Insurance.

TERRITORY COVERED.-Col., Del., D. C., Ill., Ind., Md., N. J., Ohio, Pa., R. I., Tenn., Tex., W. Va.

CONSOLIDATED CASUALTY COMPANY, offices, Louisville, Ky. Organized July 3, 1908.

Charleston, W. Va. Executive

OFFICERS. Pres., J. W. Scherr; V. Prests., J. V. Norman, M. J. Moss; Sec.Treas., W. A. Hart; Supt. of Agencies, W. O. Aiden; Gen. Counsel, J. V. Norman. DIRECTORS.-W. E. Deegans, J. V. Norman, George R. Ewald, George H. Boone, M. J. Moss, W. B. Mathews, W. A. Hart, Harry Scherr, J. W. Scherr, C. E. Bowman, John S. Kelly, Jr.; J. E. Newman, Eugene Johnson, W. O. Alden, A. J. Stein.

WRITES. Accident and Health Insurance, Automobile Liability and Property

Damage.

TERRITORY COVERED.-Pa., Ohio, W. Va., Ind., Ky., Tenn.

CONTINENTAL CASUALTY COMPANY, 910 Michigan Ave., Chicago, Ill. Organized November 29, 1897.

OFFICERS.-Pres., H. G. B. Alexander; V. Prests., L. C. Rose, A. W. Underwood. Manton Maverick, H. A. Behrens; Sec., W. H. Betts; Asst. Sec., M. E. Heffron; Asst. Sec. and Treas., W. H. Roberts.

DIRECTORS.-H. G. B. Alexander, L. C. Rose, A. W. Underwood, R. I. Stearns, W. H. Roberts. WRITES.-Personal Accident, Health, Liability, Compensation and Automobile TERRITORY COVERED.-All States for Personal Accident and Health, and part for Casualty Lines.

Insurance.

COSMOPOLITAN INDUSTRIAL INSURANCE COMPANY, Philadelphia, Pa. OFFICERS.-Pres., Evan G. Badger; V. Pres., Frederick W. Duckworth; Sec., Edward H. Gurk; Treas., James A. Perrett.

DIRECTORS.-Evan G. Badger, F. W. Duckworth, Edward H. Gurk, James A. Perrett, Harry L. Chambers.

TERRITORY COVERED.-Pennsylvania.

DELAWARE SURETY COMPANY, Wilmington, Del. Organized 1915.

EASTERN CASUALTY COMPANY, 161 Devonshire street, Boston, Mass. Organized February 21, 1916.

OFFICERS.-Pres., Corwin McDonell; Sec.-Treas., Horace S. Bean; Gen. Counsel, Guy A. Ham. DIRECTORS.-Corwin McDonell, Horace S. Bean, Guy A. Ham, Charles M. Goodnow, Francis R. Parks, M. Douglass Flatlery, Thomas W. Pelham, William E. Putnman, H. D. Turner. WRITES.-Health and Accident Insurance.

Mo.

EMPLOYERS INDEMNITY CORPORATION, Commerce Bldg., Kansas City, Organized January 30, 1914. OFFICERS.-Pres., E. G. Trimble; V. Prests., H. Woodhead, L. F. Block and M. S. Neal; Sec., John Woodhead; Man. Undr., E. G. Trimble; Actuary, A. J. Noe, Auditor; Gen. Counsel, Chas. M. Howell.

DIRECTORS.-E. G. Trimble, H. Woodhead, John Woodhead, Bruce Dodson, L. H. Fisher, C. A. Wheeler, Henry W. Stoerr, M. M. Johnson, J. F. Braden, J. C. Wilson,

London

Guarantee and Accident Company, Limited of London, England

UNITED STATES BRANCH, CHICAGO, ILLINOIS F. W. Lawson, General Manager

Percy W. Brower, Marshall S. Neal, Lynton T. Block, E. C. Whitbeck, F. S. Neal. WRITES.-Health, Accident, Property Damage, Liability and Workmen's Compensation Insurance.

TERRITORY COVERED.-Cal., Colo., Conn., Ind., Ia., Kans., Md., S. C., Ky., Mass., Mich., Minn., Mo., Mont., Me., Tex.

EMPLOYERS' LIABILITY ASSURANCE CORPORATION, London, England. Organized 1880. Entered the U. S. 1886.

LIMITED,

OFFICERS.-Gen. Mgr. and Sec., W. E. Gray; United States Branch Mgr., Samuel Appleton, Boston, Mass.

DIRECTORS.-Lord Claude Hamilton, Walter H. Maudslay, Henry W. Maynard, Leopold Solomons, Sir Philip Hickson Waterlow, Joseph Orrell, S. J. G. Hoare, Hugh Duncombe Flower, Col. Sir Edward Ward.

ADVISORY BOARD.-William Allen Butler, Gen. Francis V. Greene, William D.

Baldwin.

TRUSTEES.-Frank G. Webster, John Lowell, C. Minot Weld.

WRITES.-Accident, Automobile Property Damage, Automobile Liability, Burglary, Elevator, Employers' Liability, Fidelity, General Liability, Health, Plate Glass, Steam Boiler, Team, Vessel Liability, Fly Wheel, Workmen's Compensation, Workmen's Collective Insurance.

TERRITORY COVERED.-All States and Territories, except Alaska, Ala., Ark., Colo., Ida., Kan., N. M., Okla., S. D., Tex., Utah, Wash., Wyo.

EMPLOYERS' MUTUAL LIABILITY COMPANY, Omaha, Nebraska. Or. ganized December, 1915.

OFFICERS.-Pres., A. J. Love; V. Prests., W. A. Fraser, Gurdon W. Wattles; Sec., J. W. Grace; Treas., Frank T. Hamilton. DIRECTORS.-The officers and T. C. Byrne, F. B. Johnson, Nelson B. Updyke, Paul F. Skinner, M. C. Peters.

EQUITABLE ACCIDENT COMPANY, 161 Devonshire street, Boston, Mass. Organized December 11, 1891. Reorganized November, 1909.

OFFICERS.-Pres., Albert C. Smith; Sec.-Treas., David T. Montague; Gen. Mgr., William H. Jones.

DIRECTORS.-Albert C. Smith, William H. Jones, David T. Montague, Lucius A. Derby, Charles H. W. E. Buck, Horace W. Corey.

WRITES.-Accident and Health Insurance.

TERRITORY COVERED.-New England States, N. Y., N. J., Pa., Ohio, Ill., D. C., Ind., Mich.

EXCELSIOR ACCIDENT INSURANCE ASSOCIATION, Organized August, 1905.

Eckman, W. Va.

OFFICERS.-Pres., James R. Gillian; V. Pres., W. J. Benry; Sec.-Treas., Morris

Watts.

DIRECTORS.-W. J. Benry, J. R. Gillian, W. L. Johnston, S. W. Patterson, W. A. Phillips, Morris Watts.

TERRITORY COVERED.-West Virginia.

EUREKA CASUALTY COMPANY, Commercial Trust Bldg., Philadelphia, Pa. Organized December, 1915.

OFFICERS.-Pres., Edward B. Creighton; Sec., Nelson E. Long; Treas., Frank S.

Lawrence.

DIRECTORS.-Harry A. Berwind, Thomas Fisher, Daniel A. Newhall, D. G. Gimber, Edward B. Creighton, Edward B. Chase and Eugene A. Delaney.

WRITES.-Fire and Casualty Insurance.

TERRITORY COVERED.-Pennsylvania.

EUROPEAN ACCIDENT INSURANCE COMPANY, LTD., London, England. United States office, 123 William street, New York City. Organized May 10, 1911. Started business in United States September 29, 1911.

TRUSTEE-Bankers' Trust Company.

UNITED STATES MANAGER. Fester & Folsom, Inc.

WRITES.-Accident, Health, Liability, Compensation, Fidelity, Surety, Burglary, Steam Boiler, Fly Wheel Insurance.

FEDERAL CASUALTY COMPANY, 479 Woodward avenue, Detroit, Mich. Organized 1906.

OFFICERS.-Pres. and Treas., V. D. Cliff; V. Pres., M. M. Cliff; Sec., L. E. Daly; Asst. Sec., E. S. Hoag; Gen. Counsel, A. L. Clotfelter.

DIRECTORS.-V. D. Cliff, L. E. Daly, M. M. Cliff, J. McNamara, E. J. Corbett. WRITES.-Health and Accident Insurance.

TERRITORY COVERED.-Mich., Ind., Ill., Mo., Ohio, W. Va., Pa., N. J., Me., Vt., Ky., Okla., N. H., Kans., Conn., Md., Ga., Minn., Colo., Cal., Iowa, Ala., Tenn.

FIDELITY AND CASUALTY COMPANY OF NEW YORK, 92 William street, New York City. Organized 1876.

OFFICERS.-Pres., Robert J. Hillas; V. Prests., Frank E. Law, Hedley R. Woodward; Sec., Theodore E. Gaty; Asst. Secs., George W. Allen, C. E. Scattergood, C. L. Newmiller, Walter McK. Hillas; Supt. of Agencies, Allen J. Ferres; Mgr., Benjamin Sturges.

DIRECTORS.-William P. Dixon, John G. McCullough, Anton A. Raven, George E. Ide, William J. Matheson, John J. Riker, John Sherman Hoyt, William G. Low, Alexander E. Orr, W. Emlen Roosevelt, Frank Lyman, William H. Porter, Lewis L. Clarke, Robert J. Hillas.

WRITES.-Bonding, Personal Accident and Health, Physicians' Liability, Plate Glass, Steam Boiler, Fly Wheel, Druggists' Liability, Employers' Liability, Elevator, General Liability, Teams Liability, Workmen's Collective, Automobile Liability, Workmen's Compensation, Same, Residence, Residence Theft, Store, Robbery and Bankers' Burglary In

surance.

FIDELITY AND DEPOSIT COMPANY OF MARYLAND, Charles and Lexington streets, Baltimore, Md. Organized February, 1890.

OFFICERS.-Pres., Edwin Warfield; First V. Pres., Thomas A. Whelan; Second V. Pres., Charles R. Miller; Third V. Pres., Seymour Mandelbaum; Fourth V. Pres., John H. Wight; Fifth V. Pres., Wm. Hugh Harris; V. Prests., Henry B. Platt, Joseph A. Flynn, George L. Radcliffe, Frederic A. Price; Additional V. Prests., Fred S. Axtell, Millard Leonard, Frank A. Bach; Sec., Robert S. Hart; Treas., William E. P. Duvall; Asst. Sec.-Treas., Thomas L. Berry, Charles V. R. Marsh; Asst. Secs., Edwin Warfield, Jr., William R. Bishop, Richard W. Worthington, Wm. B. Athey, Frank P. Welsh, John G. Yost; Asst. Treas., Roland Benjamin.

DIRECTORS.-Edwin Warfield, Wm. B. Athey, Wm._H. Bayless, E. W. Biddle, Harry C. Black, Van Lear Black, Abram Bosler, Herman E. Bosler, James W. Denny, Chas. E. Fink, Joseph A. Flynn, Solomon Frank, Frank A. Furst, E. Stanley Gary, Wm. Hugh Harris, Robert S. Hart, Wm. P. Harvey, W. S. Hilles, R. Curzon Hoffman, Jr.; W. Bladen Lowndes, Seymour Mandelbaum, J. Dudley Mason, Charles R. Miller, Gustavus Ober, Jr.; Thomas O'Neill, Henry B. Platt, Fred. A. Price, Lawrason Riggs, John Walter Smith, Edwin Warfield, Jr.; George Warfield, Marshall T. Warfield, Clarence W. Watson, Charles A. Webb, Thomas A. Whelan, Richard J. White, John H. Wight.

WRITES.-All kinds of Casualty Insurance and Surety Bonds, except Workmen's Compensation and Employers' Liability.

TERRITORY COVERED.-Hawaii, Porto Rico, Cuba, England, Germany, Austria, Hungary, and all States, except South Dakota.

FIRST TEXAS STATE INSURANCE COMPANY, Galveston, Tex.
OFFICERS.-Pres., I. H. Kempner; Sec., T. E. Flick.

DIRECTORS.-I. H. Kempner, B. J. Cunningham, H. Sheffield, Jr.; S. E. Kempner; T. E. Flick. TERRITORY COVERED.-Texas.

FORT DEARBORN CASUALTY COMPANY, Chicago, Ill. Organizing.
OFFICERS.-Pres., Elmer E. Lampert; Sec., George Girling.

FRANKFORT GENERAL INSURANCE COMPANY, Frankfort, Germany. United States Department, 123 William street, New York City. Organized 1865. Entered U. S. 1896.

OFFICERS.-U. S. Mgr. and Atty., C. H. Franklin; Sec., John M. Smith.

U. S. TRUSTEES.-Union Trust Company, New York.

WRITES.-Workmen's Compensation, Liability, Personal Accident and Health, Industrial Accident and Health, Burglary and Theft, Automobile and Teams, Property Damage and Workmen's Collective Insurance.

TERRITORY COVERED.-Ala., Cal., Colo., Conn., D. C., Ga., Ill., Ind., Iowa, Ky., Me., Md., Mass., Mich., Minn., Mo., Mont., Neb., N. H., N. J., N. Y., Ohio, Pa., R. I, Vt., Wash., Wis., N. M.

Frankfort General Insurance Company of Frankfort, Germany, was organized in 1865 and was at first called The Frankfort Marine and Plate Glass Insurance Company; in 1886 the title was changed to The Frankfort Marine, Accident and Plate Glass Insurance Company, the present name being adopted 1911. The company is one of Germany's oldest and largest underwriting institutions, enjoys the confidence of the public wherever it does business and is very strong in its resources. It entered the United States in 1896. The condition of the United States Branch at the close of 1916 was as follows: Admitted Assets, $1,491,947.66; liabilities, $1,018,048.57; surplus to policyholders, $473,899.09. The United States manager and attorney is Charles H. Franklin, and the headquarters are at 123 William street, New York. The secretary is John M. Smith. The United States trustee is the Union Trust Company of New York.

GENERAL ACCIDENT, FIRE AND LIFE ASSURANCE CORPORATION LTD., of Perth, Scotland, 4th and Walnut streets, Philadelphia, Pa., and Perth, Scotland. Organized 1885 (Great Britain). Entered U. S. 1899.

OFFICERS.-U. S. Mgr., Frederick Richardson; Asst. U. S. Mgrs., James F. Mitchell, Thomas C. Moore, E. O. Howell.

U. S. TRUSTEE.-Girard Trust Company, Philadelphia, Pa.

WRITES.-Employers' Liability, Workmen's Compensation, Automobile, Burglary, Ordinary Health and Accident, Industrial Health and Accident, etc., Insurance. TERRITORY COVERED.-All States, except Ark., Ida., Mont., Nev., N. M., N. D., S. D., Ia., Miss., Wyo.

GENERAL INDEMNITY CORPORATION OF AMERICA, avenue, Rochester, N. Y. Organized 1914.

1050 University

OFFICERS.-Pres., Hiram R. Wood; V. Pres., W. Roy McCanne; Sec., Ralph M. Barstow; Treas., Geo. W. Todd.

DIRECTORS.-Ralph M. Barstow, Edwin S. Gordon, James S. Havens, Frank N. Kondolf, Wm. R. Malone, W. Roy McCanne, A. J. Pruitt, Geo. W. Robeson, Geo. W. Thayer, Geo. W. Todd, Libanus M. Todd, H. R. Wood, Walter L. Todd.

WRITES.-Theft by Check Raising.

TERRITORY COVERED.-Ark., Cal., Ill., Ind., Me., Minn., N. J., N. Y., Okla., Pa., R. I., Tenn., Tex., Wash., Wis.

GEORGIA CASUALTY

Ga. Organized April 20, 1909.

COMPANY, Georgia Casualty Bldg., Macon,

OFFICERS.-Pres., W. E. Small; V. Prests., H. T. Powell, T. B. McRitchie, J. E.