A Johnson & Higgins website containing company information and history, notes that in the early days, while “marine insurance policies were often simple enough to fit on one page and the need for brokers was therefore slight, there was a great need for average adjusters. The term ‘average’ in this context derives from the French word for a loss and refers to the practice of the various owners of a ship’s cargo sharing the costs of a loss when cargo is sacrificed to save the ship during a storm. This practice originated over 3,000 years ago and became increasingly complex in the 19th century as large vessels carried the property of hundreds of different merchants. The average adjuster served as a disinterested party who would assess the value of the loss and determine the portion to be borne by each merchant.”

Henry Ward Johnson died in 1881, but the company he and Higgins founded continued to prosper under their names and thirty years after Johnson’s death, it insured the maiden voyage of the Titanic, a ship that needs no introduction, particularly not on the centennial of its sinking.

“The Titanic’s disastrous maiden voyage in April 1912 took the world by surprise, famed as the luxury liner was for its superior design, which included a double bottom and a hull divided into 16 compartments, two of which could be punctured without compromising the ship’s buoyancy. Johnson & Higgins was among the incredulous: calculating the risk of total loss to be very small, it had brokered the U.S.portion of the $5.6 million coverage at a nominal rate. All claims were paid within 30 days, though payments accrued only to the owners of the ship, not the survivors or the families of those lost. It was not until 1934, after other marine disasters, that U.S.law required minimum liability coverage.” (Johnson & Higgins website)

Johnson had moved from Audubon Park around 1860 and was living in Connecticut when he died in 1881, but he was buried in a plot in Trinity Cemetery on the southern border of Audubon Park, high on the hill in the cemetery’s western division, at that time within sight of the house he had once occupied. The plot already contained the remains of Johnson’s two sons, Ward, who died an infant while the family was living in Audubon Park, and Henry Ward Johnson, Jr. who had died in 1871 at the age of twenty-four. Later, Johnson’s wife and daughter would also be interred in the family plot.

Visible from the Johnson plot, perhaps twenty yards down the hill, is the tombstone of John Jacob Astor IV, the richest passenger on the Titanic and the only fatality of that ship’s disaster buried in Manhattan. In 1909, Astor had created a scandal in society when he divorced his wife Ava Lowle Willing and, at the age of forty-seven, married 18-year-old Madeleine Talmage Force, who was a year younger than his son Vincent. Escaping society’s glare and waiting for the turmoil to die down, Astor took his bride on an extended tour of Europe, traveling part of the time with American Margaret Brown, later memorialized as “The Unsinkable Molly Brown.” When the young Mrs. Astor realized she was pregnant, she and Astor agreed that they wanted their child born in America, so they made reservations to return to New York on the maiden voyage of the Titanic.

The evening the Titanic struck an iceberg, Astor accompanied his wife, her maid Rosalie Birdsie, and her nurse to the deck where he helped put them in Lifeboat Number 4. He asked if he might accompany his wife because of her condition, but when the officer in charge told him that no men could leave the ship until all women and children were evacuated, he stepped back. Astor and his valet went down with the ship. Over the next few weeks, numerous articles in newspapers around the country mentioned Astor’s valor, several women coming forward to commend his bravery, particularly Mrs. Ida Hipach and her daughter, who reported that but for Astor’s calm command, they would not have been put in a lifeboat at all.

Astor’s was among the 333 bodies reclaimed from the sea, recovered by the Mackay-Bennett on April 22, 1912, but not identified until several days later. Some witnesses reported that his body was bruised and mangled, possibly from a falling smokestack, but the mortician who prepared Astor for burial disputed that claim and reported that the body was undamaged.

During the fifteen years I’ve been researching and writing about Audubon Park, I’ve had many moments of coincidence when a fact or name would suddenly appear in a new context and illuminate another bit of information that had previously seemed completely unrelated. Oddly—or perhaps not—these moments often occur in the quiet of a cemetery, where a date, a name, or even a place of birth will suddenly jump off a tombstone and bring an “a-ha” moment.

In April 2012, when I walked the two blocks south from my apartment building to Trinity Cemetery, my purpose was to photograph John Jacob Astor’s tomb, so that I’d have a few pictures to accompany a blog relating the sole fatality of the Titanic buried in Manhattan with the neighboring Audubon Park Historic District. After taking pictures, I walked up the hill in the western division to admire the pink dogwood, the sole remaining specimen of what reportedly were once hundreds in the neighborhood. Then, as I often do, I walked about a bit, casually looking at tombstones and checking names in case any are familiar. Only a few feet from the dogwood, I spotted H. W. Johnson, a name I hadn’t noticed in the cemetery before, but that I had run across long ago in George Bird Grinnell’s Memoirs. Since I knew that Johnson had moved from Audubon Park before 1860, I hadn’t suspected he would be buried in Trinity Cemetery, but as I soon learned from the tombstone, in 1857 while the Johnsons lived in the Park, their infant son died, so they must have purchased the plot in Trinity Cemetery and made their own burial plans then.

Back home, I checked my database and found that I had entries from New York City Directories for “average adjuster” H. W. Johnson and his company Johnson & Higgins. A quick google brought up several websites with information about the company, the first of which began, “What do the Titanic, Boeing jets, the racehorse Secretariat’s bloodline, and industrialist Andrew Mellon’s business properties have in common? At one time or another in its 150-year history, Johnson & Higgins brokered the insurance coverage for each of these disparate entities.” The coincidence took my breath away.

Granted Johnson was long dead when his company insured the Titanic, but what an interesting bit of trivia that from the gravesite of the founder of the company that insured the Titanic you can look down the hill and see the gravesite of the one Titanic fatality buried in Manhattan, the galant Mr. Astor.