Fire insurance mark

Last updated
Fire mark of the Hand in Hand Fire & Life Insurance Society on a house in Dulwich Fire mark Dulwich.jpg
Fire mark of the Hand in Hand Fire & Life Insurance Society on a house in Dulwich

Fire insurance marks are metal plaques marked with the emblem of the insurance company which were affixed to the front of insured buildings as a guide to the insurance company's fire brigade. These identification marks were used in the eighteenth and nineteenth century in the days before municipal fire services were formed. [1] The UK marks are called 'fire insurance plaques'.

Contents

The first to use the mark was the Sun Fire Office which was established in 1710. [2] Some period specimens remain on historical buildings in the older areas of Britain's and America's cities and larger towns. Cast metal plaques were made of iron, lead, or sometimes brass. Embossed sheet metal signs were also made, as well as flat enamel signs – the latter mostly in Continental Europe in the later 19th century.

Period specimens may have high value among antiques collectors, leading to illicit creation of fakes. Also, nostalgic reproductions have been made since the early 20th century for decorative purposes.

By location

British

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 exchange 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.[ citation needed ] 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. [3] The Museum of English Rural Life has a collection of 100 fire insurance marks from around England. [4]

An urban myth around fire marks claimed that if a building was not insured with the fire mark of a particular fire brigade or a company they had a reciprocal agreement with, they would let the building burn. [5] However, following a review of contemporary evidence, it has been argued that this was not the case in the vast majority of fire incidents, and fire brigades would attempt to extiguish any fire regardless of insurance status due to threats to nearby structures, financial incentives and the publicity it gained. [6]

American

Fire insurance has over 200 years of history in America. The early fire marks of Benjamin Franklin's time can still be seen on some Philadelphia buildings as well as in other older American cities. Subscribers paid firefighting 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 firefighting companies. Volunteer fire departments 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. [3]

Australian

Copper mould of the golden fleece fire mark, Fire Insurance Company Sydney Golden Fleece, Fire Insurance Sydney.jpg
Copper mould of the golden fleece fire mark, Fire Insurance Company Sydney

Fire insurance companies began operating in the Australian colonies in the early part of the 19th century. Some were based in Australia or Britain, while others were foreign-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 Sydney Fire Insurance Company was established in 1844 at 468 George Street Sydney. It issued for display at the company’s fire insured properties a mark in copper with the company name with the image of a golden fleece, being at that time in the New South Wales colony a symbol of safety and security. A rare and original plaque from the 1840s is on display at the historic Darling House, The Rocks, the current property having been constructed in this colonial precinct 1842. In Melbourne, the Collingwood Fire Insurance Company (with a paid up capital of 200 000 pounds) was operating in Gertude Street, Collingwood, Victoria, 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 and lead.

At least one company, the Norwich Union, 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. [7]

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. [8]

Styles and materials

See also

Related Research Articles

<span class="mw-page-title-main">Bronze</span> Alloy of copper and tin

Bronze is an alloy consisting primarily of copper, commonly with about 12–12.5% tin and often with the addition of other metals and sometimes non-metals, such as phosphorus, or metalloids such as arsenic or silicon. These additions produce a range of alloys that may be harder than copper alone, or have other useful properties, such as strength, ductility, or machinability.

<span class="mw-page-title-main">Wrought iron</span> Iron alloy with a very low carbon content

Wrought iron is an iron alloy with a very low carbon content in contrast to that of cast iron. It is a semi-fused mass of iron with fibrous slag inclusions, which give it a wood-like "grain" that is visible when it is etched, rusted, or bent to failure. Wrought iron is tough, malleable, ductile, corrosion resistant, and easily forge welded, but is more difficult to weld electrically.

<span class="mw-page-title-main">Fire department</span> Organization that provides firefighting services

A fire department or fire brigade, also known as a fire company, fire authority, fire district, fire and rescue, or fire service in some areas, is an organization that provides fire prevention and fire suppression services as well as other rescue services.

<span class="mw-page-title-main">Cookware and bakeware</span> Food preparation containers

Cookware and bakeware is food preparation equipment, such as cooking pots, pans, baking sheets etc. used in kitchens. Cookware is used on a stove or range cooktop, while bakeware is used in an oven. Some utensils are considered both cookware and bakeware.

<span class="mw-page-title-main">Vitreous enamel</span> Material made by fusing powdered glass to a substrate by firing

Vitreous enamel, also called porcelain enamel, is a material made by fusing powdered glass to a substrate by firing, usually between 750 and 850 °C. The powder melts, flows, and then hardens to a smooth, durable vitreous coating. The word vitreous comes from the Latin vitreus, meaning "glassy".

<span class="mw-page-title-main">Dutch oven</span> Cooking pot with thick walls and a lid

A Dutch oven or casserole dish (international) is a thick-walled cooking pot with a tight-fitting lid. Dutch ovens are usually made of seasoned cast iron; however, some Dutch ovens are instead made of cast aluminum, or ceramic. Some metal varieties are enameled rather than being seasoned, and these are sometimes called French ovens. The international name casserole dish is from the French casserole which means "cooking pot". They are similar to both the Japanese tetsunabe and the sač, a traditional Balkan cast-iron oven, and are related to the South African potjie, the Australian Bedourie oven and Spanish cazuela.

<span class="mw-page-title-main">Cloisonné</span> Enamelling technique used on metal

Cloisonné is an ancient technique for decorating metalwork objects with colored material held in place or separated by metal strips or wire, normally of gold. In recent centuries, vitreous enamel has been used, but inlays of cut gemstones, glass and other materials were also used during older periods; indeed cloisonné enamel very probably began as an easier imitation of cloisonné work using gems. The resulting objects can also be called cloisonné. The decoration is formed by first adding compartments to the metal object by soldering or affixing silver or gold as wires or thin strips placed on their edges. These remain visible in the finished piece, separating the different compartments of the enamel or inlays, which are often of several colors. Cloisonné enamel objects are worked on with enamel powder made into a paste, which then needs to be fired in a kiln. If gemstones or colored glass are used, the pieces need to be cut or ground into the shape of each cloison.

<span class="mw-page-title-main">Commemorative plaque</span> Historical marker

A commemorative plaque, or simply plaque, or in other places referred to as a historical marker, historic marker, or historic plaque, is a plate of metal, ceramic, stone, wood, or other material, typically attached to a wall, stone, or other vertical surface, and bearing text or an image in relief, or both, to commemorate one or more persons, an event, a former use of the place, or some other thing. Many modern plaques and markers are used to associate the location where the plaque or marker is installed with the person, event, or item commemorated as a place worthy of visit. A monumental plaque or tablet commemorating a deceased person or persons, can be a simple form of church monument. Most modern plaques affixed in this way are commemorative of something, but this is not always the case, and there are purely religious plaques, or those signifying ownership or affiliation of some sort. A plaquette is a small plaque, but in English, unlike many European languages, the term is not typically used for outdoor plaques fixed to walls.

<span class="mw-page-title-main">Andiron</span> Support to hold logs in an open fireplace

An andiron or firedog, fire-dog or fire dog is a bracket support, normally one of a pair, on which logs are laid for burning in an open fireplace, so that air may circulate under the firewood, allowing better burning and less smoke. They generally consist of a tall vertical element at the front, with at least two legs. This stops the logs from rolling out into the room, and may be highly decorative. The other element is one or more low horizontal pieces stretching back into the fireplace and serving to hold the logs off the bottom of the fireplace. An andiron is sometimes called a dog or dog-iron.

The Metropolitan Fire Brigade (MFB), also known as the Metropolitan Fire and Emergency Services Board, was a fire service in Victoria, Australia. The MFB provided firefighting, rescue, medical and hazardous material incident response services to the metropolitan area of Melbourne. The MFB's headquarters were located at the Eastern Hill Fire Station in East Melbourne.

<span class="mw-page-title-main">History of firefighting</span> Civic fire extinguishing over the ages

The history of organized firefighting began in ancient Rome while under the rule of the first Roman Emperor Augustus. Prior to that, Ctesibius, a Greek citizen of Alexandria, developed the first fire pump in the third century BC, which was later improved upon in a design by Hero of Alexandria in the first century BC.

<span class="mw-page-title-main">Gamma Iota Sigma</span> American college insurance fraternity

Gamma Iota Sigma (ΓΙΣ) is a collegiate professional fraternity, founded on April 16, 1966 at Ohio State University in Columbus, Ohio. It is an international professional fraternity organized to promote, encourage and sustain student interest in insurance, risk management, and actuarial science as professions. The fraternity was designed to be "the insurance industry's premier collegiate talent pipeline."

<span class="mw-page-title-main">Architectural metals</span>

Metals used for architectural purposes include lead, for water pipes, roofing, and windows; tin, formed into tinplate; zinc, copper and aluminium, in a range of applications including roofing and decoration; and iron, which has structural and other uses in the form of cast iron or wrought iron, or made into steel. Metal alloys used in building include bronze ; brass ; monel metal and nickel silver, mainly consisting of nickel and copper; and stainless steel, with important components of nickel and chromium.

<span class="mw-page-title-main">Baltimore Equitable Society</span> United States historic place

Baltimore Equitable Insurance also known as the Baltimore Equitable Society, until 2003 was located at the original headquarters of the Eutaw Savings Bank, is a historic bank building located at Baltimore, Maryland, United States. Originally built as the headquarters for the Eutaw Savings Bank, it is a two-story building with brownstone front and brick sides. It was constructed in 1857 in the Italian Renaissance style. The Eutaw Savings Bank moved across the street in 1887 to what is now the Baltimore Grand and the building was acquired by the Baltimore Equitable Society in 1889. Founded in 1794, the Baltimore Equitable Society is one of the oldest corporations in the city and the third-oldest fire insurance company in the United States.

<span class="mw-page-title-main">Limoges enamel</span> Metal objects decorated in enamel in Limoges

Limoges enamel has been produced at Limoges, in south-western France, over several centuries up to the present. There are two periods when it was of European importance. From the 12th century to 1370 there was a large industry producing metal objects decorated in enamel using the champlevé technique, of which most of the survivals, and probably most of the original production, are religious objects such as reliquaries.

<span class="mw-page-title-main">Revenue stamps of the United Kingdom</span>

Revenue stamps of the United Kingdom refer to the various revenue or fiscal stamps, whether adhesive, directly embossed or otherwise, which were issued by and used in the Kingdom of England, the Kingdom of Great Britain, the United Kingdom of Great Britain and Ireland and the United Kingdom of Great Britain and Northern Ireland, from the late 17th century to the present day.

<span class="mw-page-title-main">Art in bronze and brass</span>

Art in bronze and brass dates from remote antiquity. These important metals are alloys, bronze composed of copper and tin and brass of copper and zinc.

<span class="mw-page-title-main">Darling House, Millers Point</span> Historic site in New South Wales, Australia

Darling House is a heritage-listed seniors living property and former residence located at 8–12 Trinity Avenue, in the inner city Sydney suburb of Millers Point in the City of Sydney local government area of New South Wales, Australia. The property is owned by Dr Shane Moran through his luxury seniors living and aged care group Provectus Care Pty Ltd. It was added to the New South Wales State Heritage Register on 2 April 1999.

<span class="mw-page-title-main">1861 Tooley Street fire</span> 1861 fire in London

The 1861 Tooley Street fire, also called the Great Fire of Tooley Street, started in Cotton's Wharf on Tooley Street, London, England, on 22 June 1861. The fire lasted for two weeks, and caused £2 million worth of damage. During the fire, James Braidwood, superintendent of the London Fire Engine Establishment, was killed. House of Commons reports cited multiple failures in fire prevention, and the fire led to the 1865 Metropolitan Fire Brigade Act, which established the London Fire Brigade.

<span class="mw-page-title-main">319 Broadway</span> Commercial building in Manhattan, New York

319 Broadway, also known as the Metropolitan Life Insurance Company Home Office, is a five-story office building on the corner of Broadway and Thomas Street in the Tribeca neighborhood of Manhattan, New York City. It is a cast-iron building in the Italianate architecture style, built in 1869–70 and designed by D. & J. Jardine. It is the lone survivor of a pair of buildings at 317 and 319 which were known as the "Thomas Twins". The cast iron for these mirror-twin buildings was provided by Daniel D. Badger's Architectural Iron Works. The building was designated a New York City landmark on August 29, 1989.

References

  1. G. V. Blackstone, A history of the British Fire Service, 1957.
  2. Rowland G. M. Baker, Fire Insurance Wall Plaques Walton & Weybridge Local History Society, Paper No 7, 1970
  3. 1 2 Annelise Graebner Anderson (30 July 2014), The Development of Municipal Fire Departments in the United States (PDF), Journal of Libertarian Studies
  4. Fire Insurance Plaques, Museum of English Rural Life, retrieved 25 October 2019
  5. "FIREMARKS : Insurers on their marks".
  6. Sillitoe, Paul J (December 2022). "Did Insurance Fire Brigades let uninsured buildings burn?". Tom Scott. Retrieved 20 December 2022.
  7. Chitty, Alfred (1925). Fire Insurance Offices and "Fire Marks" in Australasia. Melbourne, Victoria: Southland Press. pp. 3–43.
  8. Hunt, Peter (March 11, 2009). "Make everyone pay fire levy". The Weekly Times. News Limited. Retrieved 2010-01-08.

Commons-logo.svg Media related to Fire insurance signs at Wikimedia Commons