Fire insurance marks
Encyclopedia
Lead
Lead is a main-group element in the carbon group with the symbol Pb and atomic number 82. Lead is a soft, malleable poor metal. It is also counted as one of the heavy metals. Metallic lead has a bluish-white color after being freshly cut, but it soon tarnishes to a dull grayish color when exposed...
or copper
Copper
Copper is a chemical element with the symbol Cu and atomic number 29. It is a ductile metal with very high thermal and electrical conductivity. Pure copper is soft and malleable; an exposed surface has a reddish-orange tarnish...
plaques embossed with the sign of the insurance company, and placed on the front of the insured building as a guide to the insurance company's fire brigade
Firefighter
Firefighters are rescuers extensively trained primarily to put out hazardous fires that threaten civilian populations and property, to rescue people from car incidents, collapsed and burning buildings and other such situations...
. They are common in the older areas of Britain
United Kingdom
The United Kingdom of Great Britain and Northern IrelandIn the United Kingdom and Dependencies, other languages have been officially recognised as legitimate autochthonous languages under the European Charter for Regional or Minority Languages...
's and America
United States
The United States of America is a federal constitutional republic comprising fifty states and a federal district...
's cities and larger towns. They were used on the eighteenth and nineteenth century in the days before municipal fire services
Fire station
A fire station is a structure or other area set aside for storage of firefighting apparatus , personal protective equipment, fire hose, fire extinguishers, and other fire extinguishing equipment...
were formed.
The UK marks are called 'Fire insurance plaques' the first to use the mark was the Sun Fire Office before 1700.
British fire marks
For most of the 18th century, each insurance company maintained its own fire brigade, which extinguished fires in those buildings insured by the company and, in return for a fee to be paid later, in buildings insured by other companies. By 1825, fire marks served more as advertisements than as useful identifying marks; some insurance companies no longer issued fire marks, and those that did sometimes left them up after a policy had expired. Successive combinations of fire brigades led to virtually the entire city of London being put under the protection of the London Fire Engine Establishment, which fought not only the fires of policy holders but those of nonsubscribers, the reason being that fires in uninsured buildings could rapidly spread to insured buildings.American Fire Marks
Fire Insurance has over 200 years of history in America. The early fire marks of Benjamin Franklin'sBenjamin Franklin
Dr. Benjamin Franklin was one of the Founding Fathers of the United States. A noted polymath, Franklin was a leading author, printer, political theorist, politician, postmaster, scientist, musician, inventor, satirist, civic activist, statesman, and diplomat...
time can still be seen on some Philadelphia buildings as well as in other older American cities. Subscribers paid fire fighting companies in advance for fire protection and in exchange would receive a fire mark to attach to their building. The payments for the fire marks supported the fire fighting companies. Volunteer fire department
Volunteer fire department
See also the Firefighter article and its respective sections regarding VFDs in other countries.A volunteer fire department is a fire department composed of volunteers who perform fire suppression and other related emergency services for a local jurisdiction.The first organized force of...
s were also common in the United States, and some fire insurers contributed money to these departments and awarded bonuses to the first fire engine arriving at the scene of a fire.
Australian Fire Marks
Fire insurance companies began operating in the Australian colonies in the early part of the 19th century. They were both Australian and foreign, principally British, owned. The Union Assurance Company of Sydney and The Australasian Fire and Life Assurance Company are both recorded as having offices in George Street, Sydney in 1836. The Collingwood Fire Insurance Company (with a paid up capital of 200 0000 pounds) was operating in Gertude Street, Collingwood, VictoriaCollingwood, Victoria
Collingwood is an inner city suburb of Melbourne, Victoria, Australia, 3 km north-east from Melbourne's central business district. Its Local Government Area is the City of Yarra...
in 1854.
Fire brigades in metropolitan areas were organised much along the same lines as in the United Kingdom and the United States and were funded by the insurance companies. Likewise the companies issued fire marks to be affixed to buildings to indicate where there were risks for which they had underwritten policies. Such fire marks were commonly made of tinplate, cast iron
Cast iron
Cast iron is derived from pig iron, and while it usually refers to gray iron, it also identifies a large group of ferrous alloys which solidify with a eutectic. The color of a fractured surface can be used to identify an alloy. White cast iron is named after its white surface when fractured, due...
and lead
Lead
Lead is a main-group element in the carbon group with the symbol Pb and atomic number 82. Lead is a soft, malleable poor metal. It is also counted as one of the heavy metals. Metallic lead has a bluish-white color after being freshly cut, but it soon tarnishes to a dull grayish color when exposed...
.
At least one company, the Norwich Union
Norwich Union
Norwich Union was the name given to insurance company Aviva's British arm before June 2009. It was originally established in 1797. It is the biggest life insurance provider in the United Kingdom, and has a strong position in motor insurance...
, issued "fire marks" printed on calico for use in rural areas. They were to be fixed on hay ricks, corn stacks and shearing sheds on the theory that they would indicate to arsonists that the owner was insured and would not be out of pocket should the property be destroyed by fire.
One feature of the insurance company funding of fire brigades survives in some Australian states and territories in the 21st century in that the fire brigade services are principally funded by a "fire service levy" or tax applied to all property insurance policies issued within a state.