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    The Fire Mark Circle

    Founded 1934

    A brief history of Fire Insurance.

    Before the advent of fire insurance, the only assistance available to the owner of a property damaged by fire was though a 'Brief' in church. The parson drew the parishioners' attention each Sunday to specific causes of want or hardship in the parish in the hope that his flock would help the needy financially. Naturally, this was totally inadequate in the event of a large fire, and most of the loss had to be borne by the unfortunate owner of the damaged property.

    In the reign of Charles II the disasterous losses resulting from the Great Fire of London in 1666 bought into being the first societies for insurance against loss or damage of property by fire, and by the end of the seventeenth century three London societies were actively engaged in the business: the Fire Office, later known as the Phenix Fire Office, established in 1680; the Friendly Society, established in 1683; and the Amicable Contributors for Insuring Loss by Fire, later known as the Hand in Hand, established in 1696.
    The Friendly Society

    A number of new fire insurance companies were established in the early part of the eighteenth century, most of them having their offices in the London area. Eight of these survived the scandalous situation that was revealed when the financial crash of the South Sea Company brought to light many fraudulent joint-stock companies, some connected with insurance, which became known as 'bubbles'; this culminated in the Bubble Act of 1720, which was aimed at preventing the raising of stock capital by means of transferable shares.

    Royal Insurance Company
    In the seventeenth and eighteenth centuries the only means of communication between different parts of Great Britain were stagecoach or horseback. It is not suprising, therefore, that at first very little fire insurance was transacted outside the city or town in which a company's office was situated. As communications improved towards the latter part of the eighteenth century, the business activities of the fire insurance companies began to spread into all parts of the British Isles, and new companies were started by local businessmen in many provincial cities and towns.

    Many of these early fire insurance companies were small concerns depending on local support for their success; some of the companies were successful and were able to extend their activities over a greater area, while others, unable to attract any great measure of support, soon found themselves unable to continue in business and ceased to operate.

    Before 1800 the naming of streets in our cities and towns was rather haphazard, and the houses and other buildings in these streets were neither named nor numbered as they are today. Signs and emblems were used by traders and inn-keepers to denote their occupation and to draw attention to their premises, but private houses were not as easy to identify and it was often difficult for persons who did not live in the immediate vicinity to locate a particular house.

    When insuring a property against risk of fire, it was neccessary that the company's officials and firemen should be able to identify an insured property immediately, and so it became the practice for each insurance company to adopt a distinctive emblem for its own use, which was displayed on metal signs fixed to the wall of each property insured; this emblem usually appeared at the head of the company's insurance policies and other documents. Many of these wall marks were made of lead, cast in a mould and the number of the policy covering the particular property was stamped on a panel under the design with number dies. Hand in Hand Fire and Life Insurance

    The marks of each company varied in shape and size, and most were brightly coloured, usually affixed to the front of the insured building, at such a height from the ground as to be both easily visible and beyond the reach of pilferers. In the late eighteenth century there was a sharp rise in the price of lead and the companies began to use thin sheets of copper and other metals in the manufacture of their marks, on which the design was pressed out. As properties became easier to identify, the practice of impressing or painting the policy number on marks gradually came to an end.

    Manchester Fire Assurance Company In the early days of fire insurance, companies made it a practice to remove their marks from a property when the policy lapsed, and as a result the marks of some companies, particularly those with early policy numbers on them, are very scarce. Some small companies issued only a few of their marks before going into liquidation or being taken over by one of their more successful rivals. Demolition of properties through the centuries and bomb destruction during the Second World War also took their toll and have added to the rarity of these old fire insurance marks.

    When the Great Fire of London broke out in the early hours of the morning of 2nd September 1666, there were no organised groups of men trained to fight fires, and such water supplies and fire-fighting equipment as then existed were totally inadequate to combat such a fire. The weather had been warm and dry for some weeks and there was a strong east wind blowing; it is not suprising, therefore, that the fire spread rapidly among the wooden houses and buildings and along the narrow streets and alleys of Charles II's London. This devastating fire continued to burn for four days, destroying over 13,000 houses and many public and private buildings including the original St. Pauls Cathedral, bringing ruin and misery to many thousands of London's inhabitants.

    London Assurance Following a catastophe of this magnitude, men's thoughts were full of rebuilding both houses and businesses, of making regulations to control both the construction of buildings and the width of the streets between them, and of improving fire-fighting equipment and water supplies, in and effort to prevent such a loss by fire ever happening again. It was in 1680 that the first fire insurance company (called simply the Fire Office) was established in London and formed an organised fire brigade to protect the properties insured with it.

    As the idea of insurance grew and more and more fire insurance companies were formed, these companies also realised the necessity of having their own fire brigades, and so it became usual for new fire insurance companies to form their own fire brigades to put out any fires that might occur in the properties they insured. The companies soon found it necessary to have persons under their own control to look after their interests in cases of fire, instead of being dependent upon casual labour; this lead to their employing men to act as firemen. In London the insurance companies recruited most of their firemen from among the free watermen (or ferrymen) of the river Thames, finding that they were strong, reliable men, well used to danger, who could always be found at specified places owing to their calling, and could, therefore, be readily summoned to a fire.

    A company would employ from eight to thirty men for a brigade and some companies employed additional men as porters to remove goods from burning buildings or from buildings threatened by fire. In some cases the foreman, or engineer, was paid a salary, but the ordinary firemen usually received a retaining fee, and were paid a fixed amount in addition for each drill or fire that they attended, which gave them a valuable supplementary source of income to add to their earnings as watermen. Athenaeum Fire Insurance Office

    The free watermen, when following their calling, were accustomed to wear badges on their arms. Noblemen provided their own watermen with their usual livery, and also gave them a large silver badge to wear upon the left arm with the nobleman's coat of arms embossed on it. It was therefore quite natural that the insurance companies should provide their fireman with a distinctive livery, consisting of caps, coats, breeches, stockings and shoes, and that they should also provide each fireman with a large badge to wear upon the upper part of the left sleeve of his coat with the company's emblem embossed on it. Many of these arm badges were made of silver and silver-gilt, some of the later badges being made of silver-plated metal and others of brass. These arm badges were usually numbered from 1 upwards, so that members of the public could easily identify any individual fireman if it became necessary to do so. The liveries of the different insurance companies' fire brigades varied widely in colour; and some companies also provided top hats for their firemen to wear on ceremonial occasions. Leather caps or helmets were worn when on fire-fighting duty, and these were usually decorated with the company's name or emblem in bright colours.

    Sun Fire Office The insurance companies' fire brigades continued to grow in number. Their obligation, however was to the insurance company that employed them, and many of the companies in those days could not afford to pay their fireman to fight fires in which they were not financially interested, unless they were indemnified for their expences or received reciprocal assistance in fighting their own conflagrations. Several attempts were therefore made by thinking men to bring about some degree of co-operation between individual companies to assist each other in extinguishing fires, and eventually in 1826 an agreement was made between the Sun Fire Office, the Royal Exchange Assurance and the London Assurance and the Phoenix Fire Office to combine their fire brigades when necessary, to fight fires under the leadership of one Superintendent.

    This agreement in turn led to increased co-operation between other companies' fire brigades, culminating in the formation of the London Fire Engine Establishment on 1st January 1833 by ten of the leading fire insurance companies, with a committee formed by these companies in general control, and with Mr James Braidwood from Edinburgh as Superintendent of the Establishment. The remaining fire insurance companies which had fire brigades in London eventually joined the Establishment.

    The London Fire Engine Establishment employed a permanent body of firemen, ready at all hours to give immediate attendance at fires, and had fire stations in various parts of London, where there were firemen in attendance twenty-four hours a day.

    Mr Braidwood was killed by a falling wall in the Tooley Street, Bermondsey, fire in 1861. His death was a great loss to the Establishment, and in 1866 the control of fighting fires in London was handed over to the Metropolitan Board of Works, subsequently the London County Council.

    County Fire Office

    In the provinces the insurance companies' fire brigades continued to maintain their own individual fire brigades until well into the second half of the Victorian era, and some of them continued to operate until the early years of the twentieth century. These insurance companies' fire brigades were eventually either disbanded or taken over, one by one, by local city or town authorities when those bodies decided to form their own fire brigades. Probably the last survivor of these ancient fire brigades was the Norwich Union Insurance Society's fire brigade which operated in Worcester until it was disbanded in March 1929.


    The 'Bible'.
    Reproduced, with permission, from the book
    'The British Fire Mark 1680-1879' by Brian Wright.

    (All photos this page: R. Addis.)
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