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Period: 793 to 1066
Viking age
- In case of fire; had to trust the generosity of friends and family
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872
The Viking Age
- Harald Fairhair managed to unify Norway under one king in 872 AD.
- In these times those affected by fires had to trust the generosity and aid of friends and neighbors when an event occurred.
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Period: 1066 to 1537
Middle Ages
- Guilds served as an "insurance" institution
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1100
Insurance in the Middle Ages
- help was formalized in strict and sett structures, called guilds -“the neighbors closest by will vouch for our guild brothers' house and assist in rebuilding it to the state that it was before the fire” resembles statements in modern mutual insurance companies.
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1349
The Black Death Plague
- No longer an elite in Norway to maintain the Norwegian state.
- 2/3 of all Norwegians died.
- Norwegian governments foundation for tax income was gone
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1380
Union with Denmark
- Recession
- "Personal union" with Denmark. Two separate countries under one king
- Decrease in the number of guilds in Norway
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1537
The Reformation
- Protestantism
- Guilds were deemed illegal
- Again fire victims had to seek help from neighbors and friends
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1537
Norway under Denmark
- The Norwegian government was abolished
- Kingdom ruled from Copenhagen
- The official help one could ask for: "fire letters" and tax exemption
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Period: 1537 to
Denmark-Norway
Start of the period:
- "Fire letters"
- Tax Exemptions Later in the period:
- Increasing wealth demanded other solutions -
City Fires in the big cities
- Gave rise to the first insurance company in Norway
- Oslo city Fire Insurance Fund
- Insured buildings, not goods
- Had a woman in a leading role
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17.Mai 1814
- Norway was ceded to Sweden as a war treaty
- Norway declared its independence and adopted a constitution
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Independent country
