Hamburger Feuerkasse
The Hamburg Feuerkasse ( official company name: Hamburger Feuerkasse insurance AG) is a type of insurance in Hamburg. It was founded on November 30, 1676 and is the oldest insurance companies in the world. She had 152 employees and approximately 200,000 customers in 2012.
History
The conclusion of the first hamburger " fire contract " was made from a syndicate of brewing operations in 1591. Connected breweries paid into a pot in order to build the breweries back to that suffered by fire damage. Spent brewers could be allowing another existence. Previously, a fire was a bankruptcy declaration on the respective operation.
1676 then the Hamburger Feuerkasse was founded. The existing City fire contracts were summarized by the adopted on November 30th of the year " puncta General Feur Trim Cassa ". Council and the citizens of the city of Hamburg established the first insurance company in the world. The insurance sector was located within the ramparts of the city. Admission was free to the exit but subject to approval. The buildings were insured under their actual value ( market value). The maximum sum insured was 15,000, - Mark with "one quart " deductible. There were calls for fixed contributions (ordinary allowance) and an unlimited funding obligation (extraordinary allowance ). It was a reconstruction clause under which the building had to be rebuilt. The money could be used for anything else.
Since 1753 outlets were no longer allowed after entry. As of 1817, the compulsory insurance of any building has been introduced. 1833, the replacement value insurance has been introduced. It cost more than a similar building at the time of building, the higher amount is paid. Failure to restore the building, the compensation was reduced by a quarter ( present day value compensation ). In 1842 the Hamburg fire, in which 20 percent of the housing stock was destroyed in Hamburg occurred. For compensation, the Feuerkasse had to take out loans that were repaid until 40 years later. 1867 saw the introduction of a graduated fee for danger. Explosion damages were considered insured, even if no fire originated there.
In 1928, the fire cash deputation (authority) was repealed. A Board of Directors was formed in the course of self-government. The insurance sector in 1937 was extended to " Greater Hamburg ". The activity for the outsourced communities Geesthacht, Großhansdorf Schmalenbeck (1953) and Cuxhaven (1955 ) was completed. Two years later, Hamburg was Feuerkasse fire protection tax.
1984 saw the introduction and formation of an equalization reserve and in 1988 the introduction of liability for damage caused by lightning surge. The Hamburg furniture Feuerkasse was sold in 1990 to the provincial insurance Kiel. The monopoly was abolished in 1994 and the insurance did not apply. From monopoly insurance contracts were insurance contracts. The company was sold to a public company and to the DBV -Winterthur Insurance Group Wiesbaden. New products have been offered: Liability, tap, contractors', extended coverage, business interruption, sponge and house longhorn beetle, as well as loss of rent insurance.
Since 2006, the Hamburg fire Checkout is integrated under the umbrella of the provincial NorthWest Holding AG. It represents a property insurer that focuses on " insurance companies around the house ." Mainly the company in the metropolitan area of Hamburg operates.
Since 2012, the Hamburg fire Checkout also offers tenants of insurance coverage. In addition, the accident insurance product is offered. The directly managed by the Hamburg fire Checkout customers now have the opportunity to be fully advised of their own, permanent staff on site.