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Kraus, Emil F.; insurance; born, Milwaukee, Wis., April 22, 1877; son of Michael and Margaret Casper Kraus; educated, public and high schools, Milwaukee, Wis.; married, Milwaukee, Wis., June 29, 1904, Clara L. Steiner; in June, 1892, began as office boy for The Northwestern National Insurance Co., at Milwaukee, Wis.; transferred to Minneapolis, in July, 1907, as special agt. for Minnesota, North and South Dakota; appointed mgr. of Cleveland Branch, December, 1908; member Athletic Club.