^{FN1 Ch18} These two fires were reported by Haliburton (vol. 1, p. 299) and by Murdoch, vol. 3, p. 393. Akins, "History of Halifax City," NSHS, #8, gives details at p. 176-7.

^{FN2 Ch18} "A Friendly Scot Looks at Nova Scotia in 1853," NSHS, #27, p. 83.

^{FN3 Ch18} Here is a short list: 1819, Halifax Insurance Co.; 1834, Albion Fire and Life Insurance Co.; 1847, Nova Scotia Fire Insurance Co.; 1850, Halifax and Dartmouth Mutual Insurance Co; and, 1862, Acadia Fire Insurance Co.

^{FN4 Ch18} See, for example, the entries in Perkins' Diary of December 14, 1787; and that of 1810, 21 October 21, 1810, "Insurance committee meet & underwrite on the 5 or 6 policies considerable sums." (Toronto: The Champlain Society: in 5 vols.: 1948, 1958, 1961, 1967, 1978.)

^{FN5 Ch18} A short list: 1838, Union Marine Insurance Co.; 1836, Halifax Marine Insurance Company; 1845, Atlantic Marine Insurance Co.; 1849, Chebucto Marine Insurance Co.; 1851, Avon Mutual Marine Insurance Co.; 1862, Arichat Mutual Marine Insurance Co.

^{FN6 Ch18} B. E. S. Rudachyk, "'At the mercy of the devouring element': The Equipment and Organization of the Halifax Fire Establishment, 1830-50," NSHS, #41, p. 167 & fn #21 at p. 179.

^{FN7 Ch18} "History of Halifax City," NSHS, #8, pp. 180-1.