SAN FRANCISCO UNDERWRITER'S FIRE INSURANCE PATROL. [See Underwriters' Fire Patrol of San Francisco.]

SAVANNAH FIRE INSURANCE

COMPANY, Savannah, Ga. Organized 1911; capital, $100,000. Mills B. Lane, president; W. F. Train, secretary.

SCOTTISH UNION AND NATIONAL INSURANCE COMPANY, Edinburgh, Scotland, was chartered in 1824. J. A. Cook is its manager at the Edinburgh office, and J. Gunn, secretary. It commenced business in 1880 in the United States, with headquarters in Hartford, and does here a fire and tornado insurance business exclusively. In Great Britain it also insures lives, grants annuities, and does a general business including all classes, including marine. The United States trustees are Messrs. Morgan G. Bulkeley, Meigs H. Whaples, and Morgan B. Brainard, Hartford. The American representatives of the company are: James H. Brewster, manager; Henry J. Houge and J. H. Vreeland, assistant secretaries. United States branch assets, December 31, 1917, $7,536,675.65; liabilities, $3,604,172.80.

SEA INSURANCE COMPANY, Limited, Liverpool, England. Chubb & Son, New York, general agents for the United States.

SECOND RUSSIAN INSURANCE COMPANY, Petrograd, Russia. Organized 1835. Meinel & Wemple, Inc., United States manager, New York, N. Y.

SECURITY AUTOMOBILE MUTUAL INSURANCE COMPANY, Youngstown, Ohio. Organized 1915. Philip Wick, president; C. H. Kennedy, vice-president; T. A. Woodman, treasurer; R. G. Davis, secretary.

SECURITY FIRE INSURANCE COMPANY, Cincinnati, O. Organized 1881; capital, $150,000. F. A. Rothier, president; A. Benus, secretary; F. C. Barton, assistant secretary.

SECURITY FIRE INSURANCE COMPANY, Davenport, la. Organized 1883; capital, $200,000. James W. Bollinger, president; E. E. Soeute, secretary.

SECURITY INSURANCE COMPANY, New Haven, Conn. Organized 1841; capital, $1,000,000. John W. Alling, president, E. G. Stoddard, vice-president; Victor Roth, vice-president and secretary; Willis Parker, assistant secretary, W. A. Thomson, treasurer.

SECURITY MUTUAL FIRE INSURANCE COMPANY, Chatfield, Minn. Organized 1898. F. L. Tesca, president; G. R. Thompson, vice-president: Charles L. Thurber, secretary and treasurer; L. M. Thurber, assistant secretary.

SENECA FIRE INSURANCE COMPANY, Buffalo, N. Y. Organized 1912; began business 1914; cash capital, $200,000. Adam E. Cornelius, president; Dell L. Tuttle, secretary; P. G. Enser, assistant secretary.

SHORT RATE TABLE Is a table for computing the earned premium on policies of fire insurance in the event of cancellation, or the premium to be charged where a policy is written for a shorter period than a year. When a company cancels a policy it returns the pro rata premium. When the policyholder cancels the pro rata premium less the expense of getting the business is returned, and the table below is used in computing the earned premium, or the premium to be retained. The table is the one adopted by the National Board of Fire Underwriters, and is in use pretty generally throughout the country. In computing the premium take the percentage indicated on scale opposite the number of days risk is to run, on the premium for one year at given rate, and the result will be the premium earned in case of cancellation, or to be charged in case of short time risks. Fractional parts of a month for term policies are counted as a whole month.

SKANDIA INSURANCE COMPANY of Stockholm, Sweden, was organized in 1855, and entered the United States for reinsurance business in May, 1900, making a deposit with the New York and Ohio departments. Cecil F. Shallcross, manager and attorney in the United States. New York office, 84 William Street.

SOCIETY OF LIFE MEMBERS, THE, FIRE UNDERWRITERS ASSOCIATION OF THE NORTHWEST, was organized at the annual meeting of the association in October, 1910. The present officers, elected at the annual meeting in 1917, are: President, H. N. Wood, Iowa, North British and Mercantile; vice-president, R. L. Reynolds, Columbus; second vice-president, C. W. Fort, Kansas City, Mo.; secretary and treasurer, Holger de Roode, Chicago.

SOUTH CAROLINA ASSOCIATION OF LOCAL INSURANCE AGENTS was organized at Columbia, June 21, 1899. The following officers were elected: John B. Reeves, Charleston, president; Allen Jones, Columbia, vice-president; A. H. Walker, Columbia, secretary. At the annual meeting in June, 1918, the following officers were elected: President, Lawrence M. Pickney, Charleston; vice-president, B. W. McLean, Anderson; secretary and treasurer, S. F. Cannon.

SOUTH DAKOTA STATE FIRE PREVENTION ASSOCIATION. This association was organized in December, 1911, with the principal object, as stated in its constitution, "to promote the science and improve the methods of fire protection and prevention," and to obtain and circulate information, to consider conditions and laws and ordinances bearing on these subjects. Officers elected were: President, E. D. Morcom; vice-president, A. S. Reed; secretary and treasurer, N. S. Tyler. The present officers, elected in August, 1917, are: President, A. C. Schmucke; vice-president, J. Delamater, Springfield Fire and Marine; secretary and treasurer, D. P. Lemen, Queen City.

SOUTH DANVERS MUTUAL FIRE INSURANCE COMPANY, Concord, Mass. Incorporated 1829. Prescott Keyes, president; Charles F. Bowers, vice-president and underwriter; Frank Taylor, secretary; Adams Tolman, assistant secretary.

SOUTH-EASTERN UNDERWRITERS' ASSOCIATION (formerly the South-Eastern Tariff Association). The first meeting of this association was held at New Holland Springs, near Gainesville, Ga., on August 16, 1882. The officers elected were: President, Charles Knowles (then special agent of the New York Underwriters' Agency); vice-president, Peter F. Pescud (then a special agent of the Commercial Union); secretary, Thomas Peters (then a general adjuster in Atlanta, Ga). Its object was stated to be "to organize and maintain local boards; to establish and enforce adequate rates and uniform commissions, and inculcate sound principles of underwriting."

Mr. Knowles remained president of the association until June, 1888, at which time Major Livingston Mims was elected. He was

in office until 1894, when he was succeeded by Thomas Egleston. His successor in 1896 was Samuel Y. Tupper, who retired in 1898, and was succeeded by Captain Edward S. Gay. Harry C. Stockdell was elected in 1900 and 1901; W. E. Chapin, 1902 and 1903; Geo. J. Dexter, 1904 and 1905; Milton Dargan, 1906 and 1907; Dan B. Harris, 1908 and 1909; W. R. Prescott, 1910 and 1911; Harry R. Bush, 1912 and 1913; Clarence F. Low, 1914 and 1915. Thomas Peters continued in office as secretary until, May, 1886, when he was succeeded by Charles C. Fleming, who continued as secretary until he resigned in March, 1891. Mr. Fleming was succeeded by Samuel Y. Tupper, who served until 1894, and Mr. Fleming returned to the secretaryship, which he retained until his death in 1907. Joseph S. Raines succeeded Mr. Fleming. The association has jurisdiction now over the states of Virginia, North Carolina, Georgia, Alabama, and Florida.

The thirty-seventh annual meeting of the association was held at White Sulphur Springs, May 21, 1918. President Buswell presided and in his address reviewed conditions in the field and the work for the year. Reports from Secretary J. S. Raine and A. M. Schoen, chief engineer were presented, giving detailed reports of the work of the association and the inspection departments, and committee reports were also presented.

Officers were elected as follows: President, H. E. Rees, Ætna, Hartford; vice-president, Dowdell Brown, Atlanta; secretary, Joseph S. Raine, Atlanta; manager, W. F. Dunbar; executive committee, Dowdell Brown, H. R. Bush, W. E. Chapin, Milton Dargan, Charles H. Godfrey, J. J. Guile, C. J. Holman, R. N. Hughs, Clarence F. Low, George C. Long, Jr., W. R. Prescott, Henry E. Rees, H. A. Smith, S. Y. Tupper and Jesse E. White.