The Huron Expositor, 1976-02-19, Page 14,
100 years .
M. A, Reid 1932 - :1959 -
M. Y. McLean 1876' - 77
W. E. Southgate
1959 - 1966
.• Thos. E. Hays 1901 - 1923
st
Margaret Sharp
1966 - 19,76
.A guide still used by /S.AcKillop,a9eraS selling insurance ift-:-1920,,
06c.
$388.
540 '
594
-64 8
to
to
to
to
777 to 56 4 to
889 ,t9
936 to
to
to
to
to
to
to
to
to
08c.
$518
720
7 2
864
1,036
1,152 ,
1,185
1,248
to
to
to
do
to
to
to
ob.
5'18
,720
792
864
1,036
1,152
1,185
1,248
s -rolev, 5 FT. 2 STORIES 20 I' 1%111011.
515E. •
STORNI, 15 FT. 111(111. I 2 STORIES 20 FT. 011
COST. COST.
r8 z 24 ,
2.2
_2 X 30
2 4 5 3"
24 X 36
24 X 40
26 X 36
26 .5 40
o7c.
$433
630
693
756
' 907
i,o08
1,137.
1419?
07C.
6o.p
8 40
9 2 4
1,008
1,209
•,1,344 '
1,383
1,456
5648
900
ggo
1,080
'1,296
`1,440
1,482
1,560
oSc.
$691
96o
1,056
1,152
1,382
1,536 '
1,58o
1•,664
IOC. $864
to 1,200
tO 1,326
tO 1,440
to 1,728
to 1,920
10 1,976
tO 2,000
.see sewers underway in
Egmondville first. '
A survey indicating it need fin ,•
14 unit building in Seaforth has ,
already been done and OH(' is
looking for a site to have, a
building' eonstrueted by 1977.
McKillop reeve. 'Allan
Campbell said his township would*
like to• participate with Seaforth
but that a 14 unit building would
already be filled. M ayor Canino
6I.
The Town of Seaforth
MAYOR Betty Cardno
REEVE John Flannery DEPUTY; REEVE Wm. J. Dale
COUNCILLORS: James Crocker, Geo. Hildebrand, Wayne Ellis, John Sionamon,
Wm. Bennett, Chas. Campbell
CLERK-TREASURER Robert Franklin .
POLICE CHIEF John Cairns ' 'AREA FIRE CHIEF Don Hulley
RECAEisetiON (DIRECTOR '
MIN ISIS Mil ZINN MINI INN IMMO !lam IMMO 111.1111111.11111111111 Sin
Township of McKillop
Allan Campbell - Reeve- - .
Ralph McNichol - beputy Reeve
..Witliam„L,eerrEinga
•Harvey Craig, Councillors •
Marlon McClure', Clerk W.d.Campbell, Road Superintefiddrit
'Si'
14-THE HURON EXPOSITOR, FEBRUARY' 19, 19
C6rlers over,
McKill4p
has had
seven
secretary
treasurers D. F. McGregor'
1924 1932
pme snow to, attend
Huron B of • ,Continued frOm Page 1
light , of recent proyineial
go\ vr0mcnt spending culbacks,-
the board chairman said. -
Preliminary figures indicate
that -\\ ithOut the- costs-outing
program: the 10.y to municipali-
ties to, finance the board \could.
ilicreasi.• 45 to 50 -per eent. Board
chairman 'Herb urkheim said.
McKillop Mutual began in a
wont m the Commercial Hotel 'here
WO years ago on March J when a
group of I I men mostly McKillop
residents called a meeting to form
a mutual fire insurance company.
Mutual, were forining all over
this part of the province that year,
Essentially they were farmers and
local people insuring each other.
Fire insurance was hard to get,
City based companies regarded
the booming farms of Huron
County as impossible risks.
1 he idea behind Mutual insur-
ance w as to band together and
collect enough from each member
to pay expenses, losses and keep
a reserye, not neces":,arily. to make
a -profit. "For farmers by faemers'
w as the slogan of those who
organiied mutuals and mutual
insurance xs as often the only kind
farmers could get, Unti' about.
1(100, McKillop Mutual was the
only insurance company in the
FRAME, of orehnars co nstruction, may be calculated at U.': to 7 c. per cubic foot, allowing to feet to each. story, and 5 feet fbr each half story
Vent' main. 710:iSP -S we war ,14 jet.'
POOR FRAMES'SHOULD BE LESS THAN THESE F!GURES.
or STONE; cost from ,Sc. to Inc.. per cubic foot.
I L I l'STRA Mrs; ; ON's, Till. 5 the raiw or a Fra/fie DWettinfr, ordinarily finished, I4 'stbreys kigh,242(30 feet, would be calcul d thus:
2 4 \3) .= 72o, zvhicit•;n ,!itipliej bv 15 the hei:,hth in feet of it I j story drvellbig io,S00 frolic. $648.00; or, otherwise
the //):;;//. by the breadth, and the p0(quet multiplied by go-. will give the same result.
AG?!NTS' V ALL' ATioN GIFIDE IN INSITIrANCF' OF FARM BUILDINGS.
FRAME. OR ROUGH CAST.
(Continued from Page 1)
'people'. •
. Mr. Sillery asked 'Seaforth's.
mayor. Betty Cardno it she knyyy.
if Ontario Housing ciwkration
had done a study of the need for.
se nior's apartments in• Tucker-
. smith. Mayor Cardno replied tht .
that perhaps OFIC had yvanted to
Seaforth area,
McKillop's first meeting must
hay e been a good one because a
couple of weeks lateL ion March
18, another meeting (if-potential
members chose directors, five
representatives front each or
three townships, McKillop,
Hullett and luckersmith, As the
mutual insurance idea caught on^,
McKillop Mutual had' 275
members in July, 1876.
1 he first directors were: from
McKillop, Robt, Govenloek, Thos
E. Hays, John hompson, James'
Scott and W„ 1, Shannon, From
1 uckersmith, G. E. Cresswell,
James Landsborough. Robert
lilgie, F. FOVIer Sr., James
McDonald and from Hullett, John
McMillan, Geo. Watt. Thomas
Moore Robert McMichael and
Thomas Nellans.
Mr. Neilans resigned at the
first meeting to beeome 'an agent
and was replaced by John Britton.
Twps interested in 01-1C apt
EXAMPLES.
. .
BRICK O'R STONE.
Mr. MY. McLean the then editor
of The Huron Expositor was the
first secretary treasurer.
In September, with no losses
after six Months in business, the
company had $320,425 in 'insur-
ance in force. Total losses after
two years in-business were only
$515, but this amount might 'be
• the value of a couple of houses.or
barns in those days.
Each member 'paid a fee of
51,50 and signed a premium note,
promising to pay an amount to the
company in ease they had to cover
serious losses: The amount of the
premium note was based on the
amount of insurance that the
member had,
McKillop Mutual was formed
without capital stock. Members
w'e're assessled a pereentagy of
their premium note to pay-their
share of the .company's total
losses,
It wasn't until the turn of. the.
Pros metal legislation was
required to allow the mutuals to
collect premiums, just as it was
required last year •_when the
' proyincecoved an end to the
premium note, The premium
note, security 'for 100 years; had
been only a formality for at least
the last 40. The last time one was
called in Ontario was in 1931, ,p per cent over premium income as
• Even though a couple of mutual a result .of a large number of
insurance companies collapsed, barn fires. 1972's annual state-
their members' premium notesrfnent still looked fairly grim as the
weren't called in. Customers/ companY •' was still recovering
from the had year.
McKillop Mutual has all its
policies re-insured with the Farm
Mutual Reinsurance Plan Inc. and
when 'losses are especially high'
the -plan, which all the province's
523 mutuals belong to helps pay the
•. McKillop will pay a
penalty the plan for several-
;ears to make up the loss from
1971. Before the reinsurance plan'
was founded in 1953, the mutuals
reinsured with other traituak in
their area, to spread the risk
around a• little. The 'plan. was
organized by MekillOp Mutual
and the other mutuals in the
province and: it is the only totally
Canadian owritek,..reinsurance
company.
Ontario's farm mutuals have
worked together since\the 1880's
century, present secretary-
treasurer Marg Sharp says, that
the mutuals started to collect
insurance premiums, based on
risk against the premium note
that each policy holder had to sign
and to build up a surplus against
big losses.
didn't like the idea of signing 'a
note and mutual insurance people
think the end of the premium note
will make them more competitive.
After mahy years of planning by
the mutual, the province agreed
to change their governing legisla-
tiop.
'I he note has been replaced by
\the Fire Mutuals Guarantee Fund
of a million iloaars, to.owhich all
mutuals -contribute and get
interest on their shares.
Most of the pre-1932 records of
McKillop Mutual were destioyed
in a fire at the home of D.F.
McGregor, who was the com-
pany's secretary treasurer from ,
1924-32, but pxobably the com-
pany's worst year was in 1971,
when losses were More than 200
when the provincial -ass
OMIA• was formed.. T
mutfal insurance co
•i•
iation
ere are
panies in
the United States too and Mrs.
Sharp says the provincial group.
learns a lot from the American
companies, which seem. to be a
few years ahead in taking on new
kinds of insurance risks.
A few ' Ontario mufti* 'offer
crop insurance and others are
looking into livestock mortality
and business interuption
insurance for the future.
McKillop's insurance coverage
has grown since 1.376 when fire
lightning were the only risks
insured. They now offer livestock
and machinery coverages, wind
storm and theft insurance as well.
In the old days, ,the company
didn't even have coverage „for
smoke or water damage.
Although the company has more
than one hundred times the
insurance in force that they had in
1877, MeKillop Mutual- is still a
locally controlled, small town
company. Those 15 first directors
have shrunk, to nine and they
'don't have to be residents of
.Hullett, McKillop or Tuckersmith
only.
The company is still controlled
by policyholders, through the
election Of a third of the directors
every year at the annual meeting.
Several. generations of some local
families have served as directors,
and agents of the. company over
the years.
At McKillop's 99th annual
meeting on Friday probably more
than half the people in attendance
have had a family connection with
Mekillop. Mutual. Names - Of
present policy holders and'
families who are still active in the
Seaforth area crop up in the list 01
the,31 presidents .McKillop Mutat
has hail.
..airmsrerimrsomparlirlsal
"4
"(i 'llrk•ry from .the' Seafort h•
Curling Club arc finallc getting
out from tinder all the snoss and
attending local and aria
bonspiels.Se eral rinks
parthipated this past ‘444.ek.
A rink of ladies, made up oT Flo .
Smith. 'Wench Tremeer: Cloria
Riley and Audrey Beuerman
attended a ladies spiel on
Wednesday.. Februar\ II in
Mitchell. They played three six-
end games. Although they
weren't in the pH/es, they had a
\ cry enjoyable time.
On Saturday Fehrtiar, 14 a rink
of Bob Ste Marie.JohnTatterSon
Jr.. Herb Tras iss and Ross Los ett
tria elled to Wingham to partrei-
pate in a Farmer's Spiel.
Th0.' -came home with.
individual trophies and a ten
pound roast of heel each. having
soon top spot in 'the Jas. B.
Coulter Bonspiel.
A rink of Bob and Sharon
Wilson and Bill and . Marg
FleMing travelled to. Brampton
for a Iwo-da.t-si-fiel,,ga,Sattirday
and Sunday, FeKruary 1.4 & 15.
They played. two ,ten•end games
on Saturday and two eight end
games on Sunday, They won one
game. tied one and lost two. They'
were out of . the • prices but
reported the weekend as very
successful and the hospitality of
the Brampton Club was excellent.
The ,S.D.H.S. Boys Curling
team of David Ste Marie, Dave
tidcd,Glen Stewart and Joe
McLean travelled to Goderich on
Wednesday. • Fobruary 18 to
compete in the .. Huron-Perth
finals. Results were n of
at press time,
The Special Events Committee
of the club hosted most
successful Mixed Fun Day on,
Wednesday, I' epruary 11. There
was a two o'clock draw and a four
o'clock draw; the' latter being
'rather interesting, as the ladies
not only skipped but had the
privilege • of picking their own
team. A delicious meal was
served. The draw for the Pork was
conducted. Winners were Russ
GoldStein from Het a and Din id
Tremeer from Seaforth. A good
time' seas hail by all.. •
The Seaforth Furling Club
hosted the Business GirIS Trophy
for District B on this past •
weekend. The Seaforth Business
Girls entered a rink skipped hs
Marjory Papple. -vice Kos Sharp.
second Marlene' Roherton and .
lead Marg Sallow s. The girls lost
their first two, ga'rnes and
Kitchener-Granite came out on'
top spot. • ,
he third and' final drays s begin
this iseek. Plav off games to
declare winners of the- last-dra sis
McKillop in 1876
Mutual was farmers insurance
• . , , .. , , ,....,.
, . If filepreelated by ,,,,,,,, a troPer deduction should be mule from these ealcualions.
- MENto,,,,LO.SI: DWELLINGS are not to he entertained by Agents, UNLESS they are THOROUGHLY FINISHED INSIDE, in good
, repair outide, and .possess substantial Stone or h-rick chimneys : <Vol then Values should never exceed i wo"i'thirds -of Frame Dwellings of same
'size. LOG BARNS, hewed, sire not worth more,than 1-10,L1, the 'value”.01•FRAyE.11,yas;s.,of the same Size inoLD SETTLED DIST RICTS, and..abou; . 0 N E-ni i RD in 'NEw SETTLEMENTS; Harm: of round .logs to be valued somewhat less. • ' • . .
.
• suggested that a survey could be
. done in McKillop or perhaps
,
Seaforth and the township could
do a joint surey.. "There's - no
reason we .couldn't look at
another` survey," she said.
After Deputy Reeve Sillery
'expresSed some 'interest, the
Mayor said "if Tuckerstnith is
interesfed, We'd be' glad to talk
about it."
CORRESPONDENT
WANTED
'To report the news 'of ,Cromarty.
Although the pay is modest,. the
correspondent's job can be Interesting
and provide a feeling of accomplishment
for the right person.
FOR FURTHER INFORMATION
PLEASE CONTACT
Susan White, Editor
Of Tann fxpositor
527-0240
have not -yet sheen completed. 1 he.
itimor ••Curlers to ill plav, their
games on' Tuesday and
Wednesday evenings. Th cy have'
taken user the WadnesUlay
citmpetint c sot as only' two
games remain to be played in
that lea gue. •
The dull hosts the Colts
Uis ision Plavdowns betyceen' 13A
and 131i on Sunday. February 22.
On Saturday.. February 21. the
club is has Mg a men's Open
BonspieI spOnsored by Rotveliffe
Motors. A fey teams are still
pro\ en to he si popular spiel in the
'past. so men: if you can ge,t a
team together. call Flemings:
482-7.336. or Wilson's 527-18'N
and enter. '
Winner of the sixth 50 50 club
draw was Helen Crocker.
the • prt sident of the Ladii-s
Club. Graff e 'CaMpbell has
return( d . a kV CC k long
bonspii4 in Ottawa where, .she
curled teith her sister-in•latt
(athv Kcv es, She reported that
they didn't do as \tell as last year
in the prises hut they' had a
needed to 0.11„lhe dravl s. 1 his,has mart dons time.
•
We are proud of the close associations that have grdwn uK oetween 'the McKillop
Mutual Fire Lnsurance Company•and the people of Seaforth throughout the century
that you have served the area. Your address has been Seaforth during these years and
for much of that time your head office has been' located in our town.
tieing slightly older than you - we were a village in 1867 and a town in 1875 - we
have been able to watch your continuing growth and the increased services you have
begun offering not only the rural' people but our townspeople, and the people of other
toCkns as well.
As you entdr your second century and on,behalf of the people of Seaforth wesa.ktend
congratulations and best wishes for your continued success.
Congratulcitions
McKillop Mutual/
Best Wishes to
McKillop Mutual
Fire insurance Company
It was 100 years ago ithen discussions began that, led to the formation of
the McKillop Mutual Fire Insurance Company.
And since many of -those interested and active in establishing the new
company came from McKillop they called it ;McKillop.
Throughout the years since then the Organizatibn MOztual a
century ago, the people of McKillop have continued their interest in and
support of the company.
They have watched with pride its growth and development and extend to
the officers and policy holders congratulations on their success and best
wishes for continued success in the years ahead.