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Fire insurance claims. You'll recall that
Ankh-Morpork burned down when the Tourist introduced an innkeeper to fire insurance. But it's not all fiction: it's odd how the last recession made textile warehouses explode into flame.
This article relates recessions to car fires. But one can go too far: surely the recent recycling warehouse fire in
New Zealand was entirely accidental. (
UPDATE: and
Findus' Crispy Pancake factory, too -
htp: Henry North London)
Another factor is holidays. How many
schools burn when they're empty?
We should therefore (a) all be rich and (b) never take a holiday, especially (not) with children.