Creating one of the most hazardous and deadliest types of loss, fire can strike anywhere at any time. With a single ember from a cigarette, stove top or campfire; a spark of electricity; or too-close proximity to the flame of a candle or space heater, a home or business can be set alight and burn down in no time, causing thousands of dollars worth of damage and killing or injuring anyone inside or nearby. But who’s responsible for the damage it causes? Standard home and business insurance

Entry He was caught behind the fire, and I searched desperately for a source of water to douse the heat. I yelled at my husband, and he came running through the flames, both legs still flaming, until he reached carpet and stamped out the flames. By that time, the kitchen was ablaze. I flung open the front door and yelled at the top of my lungs, and my employee, still waiting at the elevator bank, came rushing back in. My husband and I were hanging over the balustrade, 9 floors up, yelling ‘Fire