The shopkeeper lit mosquito-repellent incense, which caused a fire hazard. The fire caused by lighting mosquito-repellent incense is not intentional arson, and the insurance company should pay for it. The insured has purchased the corresponding insurance, and the insurance company will pay the corresponding compensation according to the insurance contract after the fire. When an insurance company surveys the site, it shall judge the actual loss of the bidder according to the compensation standard in the Provisions on Fire Accident Investigation formulated by the Ministry of Public Security. If there are people killed in the fire, the insurance company should also refer to the Interpretation of the Supreme People's Court on Several Issues Concerning the Application of Laws in the Trial of Personal Injury Compensation Cases to determine the compensation amount.