Frederick Gregory Cowman was born at Fairfield, Liverpool in 1896 and was baptised at Laurel Road Methodist Chapel on the 2nd January 1897.
 
He was the youngest son of Joseph Gregory Cowman and Margaret Watson (nee Sutton) who were married at Whitehaven in 1892. His parents were both born at Whitehaven, Cumbria but his father had been living in Liverpool from as early as 1881. He started his career as a shipowner's clerk but by 1901 was a shipbroker working on his own account.
 
Frederick had one brother, Robert Joseph Cowman, who was born in 1893.
 
Joseph Gregory Cowman lived at 4 Swiss Road, Fairfield in 1891 with his mother and sister, Marion, and this was still his address at the time of  the 1901 and 1911 census. His wife's unmarried sister, Annie Adeline Sutton was also a member of the household in both 1901 and 1911.
 
The Cowman family were living at 1 Cavendish Drive, Blundellands, when the war broke out.
 
Frederick's service records have not survived. His medal card records that he served on the Western Front with the 6th battalion King's Liverpool Regiment (service no 2908 and 241010) from the 4th March 1916.
 
His only brother Robert Joseph Cowman died at the Battle of the Somme in July 1916
 
Frederick was still a private when he was awarded the Distinguished Conduct Medal [London Gazette 19th August 1916]
 
2908 Pte. F.G. COWMAN
   When the leading bayonet men in a raid were wounded, Private Cowman at once came forward and held a traverse alone with conspicuous courage and coolness. His conduct conduced to the capture of a machine-gun.
 
A report on his decoration appeared in the Liverpool Echo on the 21st August 1916. His photo appeared in the report and is reproduced here with the kind permission of the Liverpool Daily Post & Echo.
 
LOCAL SHIPPING MAN'S BRAVE CONDUCT.
   Rifleman Frederick G. Cowman, of the 6th Battalion the King's Liverpool Regiment, who has been awarded the D.C.M. for bravery on the field, is the youngest son of Mr. and Mrs. J.G. Cowman, 1, Cavendish-road, Blundellsands. He joined the 2/6th K.L.R. in November, 1914, when 18 years of age, and went to France in March, 1916, to the 1/6th Battalion. He was educated at the Liverpool College, and is a member of the staff of Messrs. T. and J. Brocklebank, Ltd., steamship owners, Liverpool.
   The deed by which he won the decoration is officially described as follows:-
When the leading bayonet men in a raid were wounded, Private Cowman at once came forward and held a traverse alone with conspicuous courage and coolness. His conduct conduced to the capture of a machine-gun. 

Liverpool Echo 21st August 1916

 
Frederick obtained his commission on the 25th April 1917.
 
He was serving as a Second Lieutenant with the 6th battalion King's Liverpool Regiment when he fell on the 28th September 1918.
 
Probate of the two brothers' estates was obtained by their father at Liverpool in 1920. Frederick's effects were valued at 210 14s 11d (9,200 at current values.)
 
Their parents had moved to 15 Coronation Drive, Great Crosby by 1919 but later retired to 8 Vicarage Lane, Cockermouth. Their father died at this address in 1938 and their mother at 10 Goschen Road, Carlisle in 1949.