公元1666年的伦敦大火是近代火灾保险的契机。18世纪工业革命的浪潮把火灾保险推向了成熟的阶段。虽然现代单一经营火灾保险的公司已不复存在,但火灾仍然是世界保险业共同认定的最基本和最重要的保险责任之一。 保险所指的火灾责任,与消防对火灾的定义一致,是指由于异常性的燃烧而造成灾害性的损失,即具有意外偶然性,在时间和空间上失去控制并造成财物或人身损害的燃烧现象。常见的火灾有意外失火,如用火不慎、爆炸起 The 1666 London fire was an opportunity for modern fire insurance. The wave of industrial revolution in the 18th century brought fire insurance to a mature stage. Although modern single fire insurance companies no longer exist, the fire continues to be one of the most basic and important insurance liabilities jointly recognized by the insurance industry in the world. The liability for fire as referred to in the insurance, which is consistent with the definition of fire by fire, refers to the burning caused by unusual burning which causes a catastrophic loss of accidental nature, which is out of control in time and space and causes property or personal injury . Common fire accidental fire, such as inadvertently fire, explosion