The Huron Expositor, 1978-11-16, Page 19(
4A THE HURON EXROSIITOR, Novem ER 16, 1978'
uron
4 Kg. Bag 4• lb.jar
/7-
PFEIFER -BEUERMAININ
1 2.5 .fl.oz.tin.'
o nce t er of
The Huron County Board
of Education did not want, to
....take the chalice that tender-
ing fpr insurance coverage
for bti4rd Owned and °per-
' ated equipment may leave it
with increased premiums or
no insurance at all and
decided to continue buying
its coverage from the Frank
Cowan Company Limited.
Colborne township trustee
Shirley Hazlitt suggested
that the board may save
. -some money by calling for
tenders fordnsurance cover-
age after the board was told
itse insurance costs would be
goint up. Hazlitt said that if
those insurance costs were
going to keep going up
annually it may be wise for
the board to call for tenders,
She added that the board
has not . compared prices
through tender.tin a number
of years.
Board chairman John. El-
liott reminded' Hazlitt that
the last'time the board called
for tenders it had• previously
hired an insurance consult-
ant to determine what, insur-
ance was needed. Elliott said
the board would have to be
very specific before it called.
for tenders or it would get
tenders "alt over the place"
and would have a very
'difficult time 'determining
which was best.
Hazlitt argued that super-
intendent of business Roy
Dunlop should be, aware of
'what the board needed after
dealing with the board's
insurance coverage during
his• tenv,xe at the board. She
said the Dunlop and the
hoard's auditor. shotild be
able to do the job of a
cons u ft tun.
Dunlop told the board it
svas very difficult to deter-
mine .what insurance tender
waS.best adding that he was
"°—not competent enough in
insurance to appraise fend-
ers".
punlpPtold the board that
Frank Cowan handles a great
deal of the insurance for,
municipalities in the area.'
He said the firm has not
increased its insurance rates
but that replacement costs
for ...heard owned material
has gone up. He explained
that the insurance coverage
is based on replacement
value-and as inflation makes
that replacement costlier
then insurance will go' up
'accordingly.
Hazlitt pointed out that if
the board continued to deal
with one firm when purchas-
ing insurance year. after year
it was very easy 'to get into a
-state of status Cleo".
Dunlop said Many hoards
have tried to cut insurance
costs by „calling for tenders
and have ended up with no"
coverage at all. He said firms
-thitf deal with the number' of
insurance companies needed
to handle the board's require-
ments ,are ;limited and may
not respond to a tender call.
• He said he knew that Cowan's
policy was not to respond to
tenders.
Elliott, who is an insurance
broker. told the board, he'
wanted to be very careful of
his input into the discussion
because he wanted' to avoid
,any conflict of interest. He
explained that to handle the
.board's insurance needs a
broker would have to haVe,
dealings With several insur-
ance companies. He said no
one insurance company tffer-
ed the varied policies the
board purchased and a .brok-
er had to be able to assemble
the required policies fer
board approval.
The discussion arose. after
Dunlop offered the board'
sonic, alternatives to insur-
mice policies to either reduce
costs or add needed coverage
The recommendations came
from Cowan through Dunlop
and the board dealt with each,
on' ail ',individual basis. ,
One of the' changes was
the insurance coverage on
the . North Ashfield School
Ivies for vehicles tbe board He. said that policy
didn't own, The policy costs Pritnarily to protect
the board about $1;700 an- board.
nually. . ' Exeter trustee Clarence- *
r the *board hired to ecommended insurance of ' Elliottt explained that the
insurance for non-owned. tani -
McDonald said the consul-
'Cowan recommencled.that
examine its insurance had the contents be dropped the board reduceits coverage ' entirely, ' vehicles covered buses . the
of the school which• is not • • board leased or hired through reported that the board was
being used, and is probably Elliott told the board that it .,,, contract and vehicles driven getting a good deal from its
'going to be sold by- th'e
'
must consider what has gone by ,trustees on board bus- insurance brokers. H
into the school. He said the bless.
e rem-
board. The present policy inded the board that the property is now valued at • insured the building at a ' "I use my own car and iecernmendation from the
replacement value of $216,000 about $40.000 but the board .
and the contents at 523.000. 'had to keen in mind the tax insure it myself." 'said Hen- consultant was that no
Cowan suggested that be .
the school there, He suggest
derson. "Why does the changes be made.
Elliottcautioned the .board money that was used to put ,
reduced to $50:000 on the
board have 'to carry insur-
against hiring a consultant ed that if the board carried building and $10.000 on the
ance for that."
Elliott pointed out that the , suggesting that the costs for
contents, • no insurance on the property policy was third party insur- th consultant may" be more .
the ministry .of education , than the board would save. ' .
Alexander said he , had may feel the board was guilty mice. He said in case of an He "said he felt that, if the
recently been in the building' of mismanagement. ' ccident onie en.e could sue board went shopping for.
and told the board that , Seaforth trustee John Hen- , n On and the board of insurance it wouldn't do
. he"didn't . have to be an derson wondered why the education because the trust- better than it was doing now.'
insurance appraisor, to go' in board carried 'insurance pol- ' ee was on board hiisiness.
buildlog. The ..building .wa.. there and tell, you $1.0.
'heavily insured by the board insnrance is too much,"
and'.according to 'VVingham Alexander 'said the cost to
trustee Jack • Alexander. tile carry the insurance is a waste
insurance is not necessary. , of taxpayer's dollars. He
was
.the
Area wedding.
PEANUT BUTTER
Granulated
Extra Fine
Kleenex Facial
TISSU E
Delsey
Bathroom
TISSUE
Kraft Smooth
Phyllis Anne Beuermann, daughter of Mr. and Mrs.. Robert
Beuermann of R.R.4, Walton and Donald Edward Pfeifer,
son of Mr. and Mrs'. Raymond Pfeifer, of R.R.2,.Monkton
w_er married in St. Peter's Lutheran Church, Brpdhagen
-Nov. 10: Past'or Arthur' Horst officiated at the
double-ring ceremony. The bride was given in mar i age by
' her father. The maid of honor was Marilyn Koehler of
R.R.4, Walton and the bridesmaids were Deborah Bauer
of R. i itchell and Ruth Ann Siemon of Kitchener. The
omsmali s Kenneth Pfeifer of R.R. 2, MonktO;h• and
the ushers wer- Kim Leonhardt and Donald Elligson of
R.R.1, Bornhol . The organist was. Mrs. Eleanor Horst
and the soloist was Lois Horst. Following the wedding,' a
reception was, held in the Bredhagen Community Centre.
Guests attended from Kitchener, London, Seaforth,
.Stratford, Mitchell and Surrounding area. Following' a
wedding trip to Niagara Falls, the couple will reside at
R.R.2, Monkton. (Photo by Phillips).
Humpty Ctumpty
(assorted
flavours)
POTATO
CHIPS 225 g..
'Kleenex Paper
TOWELS
STORE HOURS
Mon. to Wed'. 9-6
OPEN Thurs.-Fri. till 9
.at, 9-5 p.m. ,
WE RESERVE THE RIGHT' TO LIMIT QUANTITIES,, t
TO AVERAGE FAMILY REQUIREMENTS.
' 1
1.ibby's Deep Brown
BEANS
with pork or in
Tomato Sauce
PRICES EFFECTIVE UNTIL
Nov. 18•/7 8
McLean Frozen
Fancy Green
PEAS
2 lb.bag
Campbell's
Vegetable Stuffed Pimento Queen
OtIVES.
Club House
Cl/Vi '.makes‘final
bazaar plans 12'fl.o dar
2 roll. pkg. 14 fl.oz.tin
The November meeting of ,
.the Catholic Women's
Legue was held in St. James
Auditorium with the pre-
sident, Mrs.. Ken Vinceitt,
presiding. There were • 26,
members present,
Kprayer for the Holy Souls
was read by the spirtual
convener, Mrs. Alvin Striate.
Reports were given ,--0,y
conveners, Mrs. J. Van
Dooreo corresponding
secretary sent five cards
Each , parish
Council was aske d by
National Office of C.W.L. to
sign a petition for Canadian
Unity.
Mrs. 'D. De Vries reported
that Mrs. .„S.P. Sills and
Mrs. Wm. McCurdy made
20 calls to sick and shut-ins,
also that membership re-
newals to Right to Life are
now due.
Mrs. Ray Hutchinson
thanked all who had par-
ticipated in October de-
votions and said a. Mass had .
-b-ben offered for Fr. Laragh's
intentions. Father is re-
covering from a recent illness
Further arrangements for
the Annual Bazaar, Nov. zs
were finalized. The De-
cember meeting will begin at
6:30 p.m, Dec. 5"with a pot
luck supper,
Reports from the recent
deanery meeting were given
by Mrs. V. Vincent, Mrs. A.
Smale, Mrs. J. Palih and
Mrs. H. Hak.
Sr. Isadore
gave an interesting talk on
the life of St. Paul. One of the
greatest preachers in the
Church, most of his letters,'
which began with a message
of love. were written in
prison. He was beheaded
Colgate
6 litre box,
Weston's
Favourite Five
COOKIES
Old South
- Frozen Concentrated
ORANGE JUICE
Green Gkint
Fancy Niblet
CORN
12 fl.oz.tin
Stafford Cherry
19 fl.oz.tin
VANASTRA
HOME
FURNISHINGS
and appliances
400 g.bag
Cee Grade -----
Macintosh
APPLES
Ontario No. 1
Green.
CABBAGE
USA No. 1 Grade
TOMATOES'
lib.
• we have a
large selection of...
Davern +cups
' Sliced
SIDE BACON
*2, 3, 4 piece Chesterfields
*Corner and Sidewall
China Cabinets
*3 pc. coffee table sets
*Bunk Beds-Lamps,
*Appliantes.Antiodes
*Bedroom & K Itch° ultes
*LAWN ORNAMEN
Fresh
Whole - Cut-up,
Frying
CHICKEN
Fresh Pork
SPARE. RIBS
16 oz.v9c pack LOCATED 2 MIL S SOUTH OF CLINTON
IN VANASTRA.. HONE 4824922
"the store with your everyday burgeons •