Abstract. The article examines the process of forming the fire protection system in the Russian Empire. The development of private insurance companies was greatly influenced by the bourgeois reforms of the 1860s, which promoted the growth of insurance. Scrutinous paperwork while preparing an insurance contract, strict procedure in case of an insured accident, rough conditions for receiving compensation should have excluded possible risks and deprive the insurant of the possibility of illegal profit. Nevertheless, insurance companies could refuse to provide insurance coverage without any reason.
Key words and phrases: страхование от огня, частные страховые общества, Симбирская губерния, полисный договор, возобновительное свидетельство, страховая премия, fire insurance, private insurance companies, Simbirsk province, insurance contract, renewal certificate, insurance premium