TOWNSHIP OF BLANDFORD-BLENHEIM COUNCIL MEETING … · 2016. 12. 2. · Wednesday December 7, 2016...

Visit our website @ www.blandfordblenheim.ca

TOWNSHIP OF BLANDFORD-BLENHEIM COUNCIL MEETING AGENDA

Wednesday December 7, 2016 Township Council Chambers

47 Wilmot Street South, Drumbo 4:00 p.m.

1. Welcome

2. Call to Order

3. Approval of the Agenda

4. Disclosure of Pecuniary Interest

5. Adoption of Minutes

a. November 16, 2016 Regular Meeting of Councilb. November 16, 2016 Closed Session of Councilc. September 21, 2016 Police Service Board

6. Business Arising from the Minutes

7. Delegations/Presentations

a. Jessica Jeremchuk, Regional Manager, Frank Cowan Company

Presentation of the Insurance Renewal Report for the policy term December 31, 2016 to December 31,2017.

Recommendation:

Whereas a representative from Frank Cowan Company Limited attended the meeting to discuss the Township’s Comprehensive Insurance Program from December 31, 2016 to December 31, 2017; Be it hereby resolved that Council approve the report from Frank Cowan Company Limited, as presented.

8. Correspondence

a. General

i. None.

b. Specific


i. None.

9. Staff Reports

a. Gary Crandall – Director of Public Works

i. PW-16-25 – Monthly Report

Recommendation:

That Report PW-16-25 be received as information.

b. Jim Harmer – Drainage Superintendent

i. DS-16-19 – Monthly Report

Recommendation:

That Report DS-16-18 be received as information.

ii. DS-16-20 – Appointment of Engineer – Plattsville Estates Phase 4

Recommendation:

That Report DS-16-20 be received as Information; and,

Whereas the Grand River Conservation Authority have not registered any comments to the petition for drainage work for the Part of Lot 17, Concession 13, subject and easement as in A27252, Township Blandford Blenheim (PIN 00285-0716LT; and Block78, Plan 41R141 save and except Part 1 Plan 41R8178, Township Blandford Blenheim (PIN 00285-0257LT) Plattsville Estates Phase 4 where the storm sewers, catch basin and laterials provide to service the 40 lots and 9 Blocks and 2 streets ( Applewood St., Glenbriar St.) to be incorpored as a municipal Drain from 1578651 Ontario Limited (John Zimmer);

Be It resolved that Council appoints K Smart & Associates Ltd., 85 McIntyre Dr. Kitchener, Ont. N2R 1H6, to prepare a new drainage report as per the petition accordance with Section 4 of the Drainage Act and that the report be included as part of the petition report for Phase 3A and Phase 3B

Ken Wood – Manager of Community Services

iii. CS-16-21 – Monthly Report

Recommendation:


That Report CS-16-21 be received as information.

c. Denise Krug – Director of Finance/Treasurer

i. TR-16-09 – 2017 Salaries and Wages

Recommendation:

That report TR-16-09 be received as information;

And further that the remuneration for Council members, Volunteer FireFighters, Fence-Viewers, Livestock Valuers, Property Standards Committeemembers and all Township employees, with the exception of those affectedby minimum wage legislation, be increased by 1.5% effective January 1,2017.

ii. TR-16-10 – 2017 Fees and Charges

Recommendation:

That Report TR-16-10 be received as information.

And further that Council authorize the Director of Finance to prepare a fees

and charges by-law for the December 21, 2016 Council meeting.

iii. TR-16-11 – Reserves and Reserve Funds

Recommendation:

That Report TR-16-11 be received as information.

d. Rodger Mordue – Chief Administrative Officer / Clerk

i. CAO-16-41 – Charitable Donation Policy and Partnership Agreements

Recommendation:

That Report CAO-16-41 be received as information; and,

That the Charitable Donation Policy as presented be approved; and,

That the Mayor and Clerk be authorized to sign the Community PartnershipAgreement with the Princeton Park Legacy Committee.

ii. CAO-16-53 – Animal Control Service

Recommendation:

That Report CAO-16-53 be received as information;

and,


That Council authorize the mayor and Clerk to execute an agreement with Hillside Kennels Animal Control Ltd. For the provision animal control services for the Township of Blandford-Blenheim for the calendar years 2017 and 2018.

10. Reports from Council Members

11. Unfinished Business

12. Motions and Notices of Motion

13. New Business

14. Closed Session

a. Personal matters about an identifiable individual, including municipal or localboard employees.

15. By-laws

a. 1995-2016

Being a By-law to appoint certain municipal officials (Deputy Treasurer – Koski)

b. 1996-2016

Being a By-law to confirm the proceedings of Council.

16. Other

Ceremony for the installation of the Walter Gretzky sign in Canning is planned forSaturday, December 10, 2016 at 11:00 am at the east entrance to Canning onTownship Road 3.

17. Adjournment and Next Meeting

Wednesday, December 21, 2016 at 4:00 p.m. in Council Chambers.

Township of Blandford-Blenheim Regular Council Meeting

Wednesday, November 16, 2016, 4:00 p.m.

MINUTES

Council met at 4:00 p.m. for their second regular meeting of the month. Present: Councillors Balzer, Banbury, Cowan and Peterson Staff: Harmer, Krug, Mordue and Richardson Regrets: Mayor Wearn

Deputy Mayor Banbury in the Chair 1. Welcome

2. Call to Order

3. Approval of the AgendaRESOLUTION #1

Moved By – Councillor Peterson Seconded by – Councillor Balzer

Be it hereby resolved that the agenda for the November 16, 2016 Regular Meeting of Council be approved as printed and circulated.

.Carried 4. Disclosure of Pecuniary Interest

None declared

5. Adoption of MinutesRESOLUTION #2

Moved By – Councillor Peterson Seconded by – Councillor Balzer

Be it hereby resolved that the minutes of the November 2, 2016 Regular Meeting of Council be adopted as printed and circulated.

.Carried

6. Business Arising from the Minutes

7. Delegations/Presentations

a) Miranda Fuller, Program Director, Future Oxford

Back to Agenda List 5.a.

Ms. Fuller provided an update from the Future Oxford Partnership first year of operation and described the initiatives the group are planning for the upcoming year.

8. Correspondence

a. General

i. None.

b. Specific

i. Frank Read, Request for signage to recognize Canning as the birthplace of Walter Gretzky.

RESOLUTION #3

Moved By – Councillor Peterson Seconded by – Councillor Balzer Be it hereby resolved that the Council of the Township of Blandford-Blenheim support the concept of having signs erected acknowledging Canning as the birthplace of Walter Gretzky; and, That staff be instructed to work with Frank Read to develop a plan for their placement.

.Carried 9. Staff Reports

a. John Scherer – Chief Building Official

i. CBO-16-13 – Monthly Report

RESOLUTION #4 Moved By – Councillor Balzer Seconded by – Councillor Peterson That Report CBO-16-13 be received as information.

.Carried

b. Rick Richardson – Director of Protective Services

i. FC-16-11 – October Monthly Report

RESOLUTION #5 Moved By – Councillor Balzer Seconded by – Councillor Peterson That Report FC-16-11 is received as information.

.Carried

10. Reports from Council Members Councillor Peterson and Deputy Mayor Banbury commented on the Public attendance at the recent Remembrance Day services in the Township.

11. Unfinished Business None

12. Motions and Notices of Motion

None

13. New Business

None

14. Closed Session

RESOLUTION #6

Moved By – Councillor Cowan Seconded by – Councillor Peterson Be it hereby resolved that Council moves into Closed Session under the authority of Section 239 of the Municipal Act at 4:31 p.m. to discuss; Litigation or potential litigation, including matters before administrative tribunals, affecting the municipality.

.Carried

RESOLUTION #7 Moved By – Councillor Cowan Seconded by – Councillor Peterson Be it hereby resolved that Council does now adjourn from Closed Session and resume into Open Session at 5:18 p.m.

.Carried

15. By-laws

a. 1994-2016

RESOLUTION #8

Moved By – Councillor Balzer Seconded by – Councillor Peterson

Be it hereby resolved that a first and second reading be given to the following By- law: By-law 1994-2016, being a By-law to confirm the proceedings of Council.

.Carried

RESOLUTION #9 Moved By – Councillor Cowan Seconded by – Councillor Peterson Be it hereby resolved that a first and second reading be given to the following By-law: By-law 1994-2016, being a By-law to confirm the proceedings of Council.

.Carried

16. Other

None

17. Adjournment and Next Meeting

RESOLUTION #10

Moved By – Councillor Cowan Seconded by – Councillor Peterson Whereas business before Council has been completed at 5:27 p.m.; Be it hereby resolved that Council does now adjourn to meet again on Wednesday, December 7, 2016 at 4:00 p.m. in Council Chambers.

.Carried

_________________________ _____________________________ Bruce Banbury, Deputy Mayor Rodger Mordue, CAO/Clerk Township of Blandford-Blenheim Township of Blandford-Blenheim

Township Office Drumbo, Ontario Wednesday, September 21, 2016

PSB MEETING MINUTES

The Police Services Board Meeting was called to order at 1:02pm by Karen Bartlett. Present: Marion Wearn, Bev Beaton, Karen Bartlett, Rodger Mordue, Staff Sergeant John Fashing, and Cretia Brittain.

Regrets: Inspector Shawn Nash

Declaration of Pecuniary Interests: None

Agenda: Moved by Bev and seconded by Karen that the PSB Agenda for September 21st be approved. Carried.

Minutes: Moved by Bev and seconded by Karen that the PSB Minutes for May 25th, 2016 be approved. Carried.

Business Arising from the Minutes: .

1. Speed signs arrived. Posted in Fennell St Plattsville without display, next week display will beoperating to compare. Gary Crandall has asked board to have input as to location of these signs.We will look into co-coordinating info exchanged to OPP. Areas of concern: coming intoWashington, Princeton, Drumbo, Trussler Rd and Richwood. Traffic islands are being installed bycounty on Fennell St to slow traffic.

2. Wilmot St Speed County. Has been changed on west from 50km to 60km to railway crossing.

Presentation: None

Correspondence: 1. Fitzgerald Letter: Concern with the speed/sound of traffic on Wilmot St S. Has been addressed by township

council. Letter has been forwarded to county. 2. Parker Letter: Concerns with the speed in Washington. She has already spoke to Scott Bougner of the

County. We will forward letter to the county.

Detachment Commanders Report: Staff Sergeant John Fashing (May, June, July, August)

Blandford-Blenheim Township Police Services Board

47 Wilmot Street South, P. O. Box 100, Drumbo, Ontario N0J 1G0 519-463-5347 or 1-800-410-6882

Secretary: Cretia Brittain 519-458-4865 e-mail @

Back to Agenda List 5.c.

1. There were 184, 196, 165 and 117 calls for service in May, June, July and August with a 93.4%, 93.8%, 96.3% and 89.5% clearance rate.

2. Occurrences – There were 1 assaults, 1 mischief’s, 2 break & enters, 3 thefts in May. 2 assault, 4 mischief’s, 2 break & enter, 4 thefts in June. 2 assault, 0 mischief’s, 0 break & enter, 0 thefts in July. 0 assault, 3 mischief’s, 0 break & enter, 2 thefts in August.

3. Foot Patrol – There were 16, 3, 4.25 and 16 hours in May, June, July and August.

4. Auxiliary Police Hours - 132.25, 132.25, 77 and 60.25 hours in May, June, July and August.

5. There were 37, 40, 26 and 13 Provincial Offense tickets given out in Blandford-Blenheim in May, June, July and August.

6. Crime Stoppers – 11, 11, 7 and 7 tips to OPP via crime stoppers in May, June, July and August.

7. CDAT – There were 9 occurrences in Oxford in March with 2 search warrant, 1 persons charged, 3 charges laid, $400 of drugs seized, $0 cash seized and 0 weapons seized. 6 occurrences in April with 1 search warrant, 1 persons charged, 0 charges laid, $0 of drugs seized, $0 cash seized and 0 weapons seized. 4 occurrences in May with 0 search warrant, 0 persons charged, 0 charges laid, $0 of drugs seized, $0 cash seized and 0 weapons seized. 3 occurrences in June with 3 search warrant, 3 persons charged, 3 charges laid, $453.50 of drugs seized, $0 cash seized and 0 weapons seized. 1 occurrences in July with 1 search warrant, 0 persons charged, 0 charges laid, $0 of drugs seized, $0 cash seized and 0 weapons seized. 2 occurrences in August with 1 search warrant, 2 persons charged, 2 charges laid, $1200 of drugs seized, $0 cash seized and 0 weapons seized.

8. Public Complaints – 2 outstanding from 2015 and 1 for 2016 at this time.

9. Secondary Employment – remains the same

10. 2014-16 Action Plan Progress Report – Oxford county is on track as per goals in report.review

11. Community Service Report

12. CAD – 563 interactions in August.

Other Business:

1. Bev spoke to a resident with a child with mental health and legal issues. Bev found the correct contact, Lisa Narencic in the “situation” table.

2. Self Reporting – Statistics show that the self reporting is not being used in county or the province. 3. Letter of Congratulations should be sent to Tim has promoted to Detective Inspector. 4. The process of replacing Tim is in progress and being moved along as quickly as possible. 5. Park trails use of motorized vehicles and poop/scoop bi-law posting needed to be checked on so OPP

can enforced.

In Camera: None

Next Meeting – Wednesday, November 21st at 1pm.

Meeting was adjourned by Karen, seconded by Bev at 1:49pm.

Submitted by: Cretia Brittain

Frank Cowan Company Limited MIP 11-2016-v1

75 Main Street NorthPrinceton, ON N0J 1V0

2016 Municipal Insurance Program CORPORATION OF THE TOWNSHIP OF BLANDFORD-BLENHEIM

Renewal Report for the Policy Term December 31, 2016 to December 31, 2017

Prepared by:

Jessica Jaremchuk, BA, LL.BRegional Manager

Ref 06300/rc 7 October 2016

Back to Agenda List 7.a

Frank Cowan Company 2

About Frank Cowan Company

Frank Cowan Company is a leader in providing specialized insurance programs, including risk

management and claims services to municipalities, healthcare, education, community, children’s and social

service organizations across Canada. Proven industry knowledge, gained through eight decades of

partnering with insurance companies and independent brokers, gives Frank Cowan Company the ability to

effectively manage the necessary risk, advisory and claims services for both standard and complex issues. Frank Cowan Company Limited is affiliated with Cowan Insurance Group Ltd., The Guarantee Company of North America and Millennium Credit Risk Management Limited through common ownership under Princeton Holdings Limited. Frank Cowan Company is a Managing General Agent (MGA) with the authority to write and service

business on behalf of strategic partners who share our commitment and dedication to protecting

specialized organizations. Because our partners are long-term participants on our program, they

understand the nature of fluctuating market conditions and complex claims and are prepared to stay the

course.

THE ADVANTAGE OF A MANAGING GENERAL AGENT The MGA model is different than a traditional broker/insurer arrangement in that an MGA provides specialized expertise in a specific, niche area of business. As an MGA we also offer clients additional and helpful services in the area of risk management, claims and underwriting. And unlike the reciprocal model, a policy issued by an MGA is a full risk transfer vehicle not subject to retroactive assessments but rather a fixed term and premium. We invite you to work with a partner who is focused on providing a complete insurance program specific to

your organization that includes complimentary value added services that help drive down the cost of claims

and innovative first to market products and enhancements. You will receive personalized service and

expertise from a full-service, local and in-house team of risk management, claims, marketing and

underwriting professionals. As a trusted business partner, we believe in participating in and advocating for the causes that affect our

clients. For this reason we affiliate with and support key provincial and national associations. In order for

Frank Cowan Company to be effective in serving you, we, as an MGA, believe in fully understanding your

needs, concerns and direction. Our support is delivered through thought leadership, financial resources,

advocacy, services, education and more.

RISK MANAGEMENT SERVICES We are the leader in specialized risk management and place emphasis on helping your organization develop a solid plan to minimize exposure before potential incidents occur. Risk management is built into our offerings for all clients, fully integrated into every insurance program. Our risk management team is comprised of analysts, inspectors and engineers who use their expertise to help mitigate risk. We do everything we can to minimize your exposure before potential incidents occur. This includes providing education, road reviews, fleet reviews, contract analysis and property inspections.

CLAIMS MANAGEMENT SERVICES Our in-house team of experts have the depth of knowledge,

experience and commitment to manage the complicated details of claims that your organization may

experience. You deal with the public often in sensitive instances where serious accusations can be made.

Your claims are often long-tail in nature and can take years to settle. Some claims aren’t filed until years

after the occurrence or accident. You want a team of professionals on your side who will vigorously defend

your reputation. We understand your risks and your exposures and have maintained a long-term

commitment to understanding the complex issues your organization may face so that we can better service

your unique claims requirements.


Best in Class Value-Added Services

Frank Cowan Company offers more than just an insurance policy. As an MGA, we provide Canadian municipalities with a complete insurance program. What is the difference? A vested interest in helping you reduce your cost of claims. Every one of our best in class value added services helps to mitigate risk, which can translate into fewer claims.

RISK MANAGEMENT

Contract Reviews

Valuable feedback and insight on the suitability and

effectiveness of liability provisions and insurance clauses in

contracts and agreements.

Road Risk Reviews

MVA’s and road liability greatly impact your

municipality’s cost of risk. Access a qualified

professional to analyze your roads and improve

areas with a high frequency of claims.

MMS Compliance

MMS compliance can help when defending a claim. A

review of your operations, policies and procedures can

assess your current state of compliance and uncover areas

for improvement.

Asset Valuation and Risk Inspections

Inspections review properties and operations for

potential liabilities and provide extensive detail

and documentation.

Educational Seminars

Seminars and training that focus on methods to reduce risk

and recurring incidents.

Fleet Risk Solutions

An onsite risk evaluation of your municipal fleet will

evaluate compliance, safety and risk management

practices and provide tools to address risk issues.

Policy and Procedural Reviews

Audit systems and processes to reduce potential losses

by focusing on documentation, reporting and consistency

with accepted standards and practices.

Municipal GPS & Weather Monitoring

Municipalities with readily accessible information are

better able to make smart decisions that help

reduce redundancies and promote efficiency. Trusted

information tied to GPS and weather can also help with

assessing and defending a road related claim. Cyber Risk Preparedness

Cyber is a new and developing risk that many

municipalities aren’t prepared for. Cyber education and the

implementation of specific policies and procedures can

assist greatly with preparedness and mitigation. Network

security assessment tools and Cyber Risk Insurance are

also available. Risk Management Centre of Excellence

Online resource library dedicated to sharing information and

tools to help manage risk. excellence.frankcowan.com Excellence in Municipal Risk Management Award

An annual $10,000 award recognizing the advancement of

the practice of risk management within the municipal

sector. Claims History Analysis

Identify the cause of claims and focus on trends and

patterns to help eliminate risk sources.

CLAIMS

Claims Management Best Practices Framework

View the status of your open claims and claims history.

Experience increased efficiency and see trends in claims data.

Couple this with strong claims and risk management and your

organization will be better prepared to help mitigate and manage

future incidents.

Guidewire ClaimCenter® Claims Management

View the status of claims in addition to data mining

capabilities for risk management purposes so as to

better identify risk trends and address them with

mitigation techniques.

Claims Education

Customized municipal seminars on claims related topics

delivered to solve specific risk issues. Expertise

Canadian municipal claims experience and expertise

is important. Our technically proficient claims team has

hundreds of years of combined experience specifically in the

municipal area. We have maintained a long-term

commitment to understanding municipal issues so that we

can better service your unique claims requirements.


Excellence in Municipal Risk Management Award

Frank Cowan Company is pleased to announce the launch of the Excellence in Municipal Risk Management Award to recognize the advancement of the practice of risk management within the municipal sector.

The award will be presented annually to a Canadian municipality that has recognized a risk within their municipality’s operations and has developed and successfully implemented a solution that will prevent harm or injury to its assets or to a third party. This risk management solution must also have the potential to be adopted by other municipalities.

Eligibility

The award is open to all Canadian municipalities

The solution: • Must have the potential to be adopted by other municipalities • Is cost-effective to implement • Addresses a risk within the municipal sector

The municipality agrees to the documentation and sharing of the winning solution along with the use of the $10,000 prize through the Frank Cowan Company Risk Management Centre of Excellence, social media posts, a press release as well as an awards presentation.

Award

An award in the amount of $10,000 will be presented by Frank Cowan Company to the municipality that is awarded the annual Excellence in Municipal Risk Management Award. The award monies must be used to continue to fund the current or a future risk management initiative. The recipient will be asked to provide details regarding the use of the funds. The use of the funds will be publicly disclosed as referenced in the “Eligibility” section.

A plaque recognizing the municipality’s advancement of the practice of risk management will be presented to Municipal Council by representatives of Frank Cowan Company.

Visit http://www.frankcowan.com/news/article/new-10000-excellence-in-municipal-risk-management-award-unveiled-for-canadi for full award details and to download application.

http://www.frankcowan.com/news/article/new-10000-excellence-in-municipal-risk-management-award-unveiled-for-canadi

http://www.frankcowan.com/news/article/new-10000-excellence-in-municipal-risk-management-award-unveiled-for-canadi


Your Insurance Coverage

Schedule of Coverage (Coverage is provided for those item(s) indicated below)

Casualty

Coverage Description ($) Deductibles ($) Limit of Insurance

General Liability (Occurrence Form) Broad Definition of Insured

25,000 15,000,000 Per Claim No Aggregate

Voluntary Medical Payments Nil 50,000 Per Person 50,000 Per Accident

Voluntary Property Damage Nil 50,000 Per Occurrence 50,000 Annual Aggregate

Voluntary Compensation - Employees Nil 50,000 Each Person 250,000 Annual Aggregate

Sewer Backup 25,000

Per Claimant

Wrongful Dismissal (Legal Expense) 5,000 250,000 Per Claim 250,000 Aggregate

Forest Fire Expense Nil 1,000,000 1,000,000 Aggregate

Errors & Omissions Liability (Claims Made Form) 5,000 15,000,000 Per Claim No Aggregate

Non-Owned Automobile Liability 15,000,000

Legal Liability for Damage to Hired Automobiles 500 250,000

Environmental Liability (Claims Made Form) 5,000 2,000,000 Per Claim 4,000,000 Aggregate

Follow Form – Excess Liability

Coverage Description ($) Limit of Insurance

Excess Limit 5,000,000

Underlying Policy ($) Underlying Limit

General Liability 15,000,000

Errors & Omissions Liability 15,000,000

Non-Owned Automobile 15,000,000

Owned Automobile 15,000,000

Total Limit of Liability ($) 20,000,000



Crime


Employee Dishonesty – Form A (Commercial Blanket Bond)

1,000,000

Loss Inside the Premises (Broad Form Money & Securities)

300,000

Loss Outside the Premises (Broad Form Money & Securities)

300,000

Audit Expense 200,000

Money Orders and Counterfeit Paper Currency 200,000

Forgery or Alteration (Depositors Forgery)

1,000,000

Computer and Transfer Fraud (Including Voice Computer Toll Fraud)

200,000

Accident


Board Members : Persons Insured – Mayor, Four Councillors & Two Members of the Police Services Board

Board Members Accidental Death & Dismemberment 250,000

Paralysis 500,000

Weekly Income – Total Disability 500

Weekly Income – Partial Disability 300

Accidental Death of a Spouse while Travelling on Business

Included

Volunteers Accidental Death & Dismemberment 50,000

Paralysis 100,000

Weekly Income – Total Disability 500

Weekly Income – Partial Disability 250

Firefighters' : Persons Insured – Sixty-Seven Firefighters

Firefighters' Accidental Death & Dismemberment 100,000

Paralysis 200,000

Weekly Income – Total Loss of Time 400

Weekly Income – Partial Loss of Time 200



Conflict of Interest


Legal Fees Expenses 100,000 Per Claim No Aggregate

Legal Expense


Legal Defence Cost 100,000 500,000 Aggregate



Property

Coverage Description ($) Deductibles Basis ($) Limit of Insurance

Property of Every Description - Blanket 10,000 RC 7,433,200

Scheduled Items of Coverage - Insured Refer to Schedule Refer to Schedule

Scheduled Locations and Coverage - Excluded Refer to Schedule Refer to Schedule

Valuable Papers 10,000 500,000

Accounts Receivable 10,000 500,000

Extra Expense 10,000 500,000

Rent or Rental Value 10,000 500,000

Master Key 10,000 25,000

Personal Effects 10,000 5,000 per person 25,000 per occurrence

Data Processing

System & Equipment 2,500 55,000

Media 2,500 33,300

Extra Expense 2,500 10,000

($) Total Amount of Insurance 10,081,500

RC = Replacement Cost ACV = Actual Cash Value VAL = Valued The Deductible is on a Per Occurrence Basis


SCHEDULE OF COVERAGE BASIS OF LOSS SETTLEMENT LIMIT OR AMOUNT ITEM DESCRIPTION APPLICABLE OF INSURANCE RIDER NO. 1 A. Blanket Amount of Insurance on the following Property: Replacement Cost $ 7,433,200.

1) Arena, 68 Mill Street, Plattsville

2) Arena Contents Excluding Refrigeration Piping, 68 Mill Street, Plattsville

3) Olympia 2000, Serial No. RC9602305, 68 Mill Street, Plattsville

4) PA System and Tapes, 68 Mill Street, Plattsville

5) Water Vac Scrubber, 68 Mill Street, Plattsville

6) Recreational Lighting, 41 Centre Street, Drumbo

7) Recreational Fencing, 41 Centre Street, Drumbo

8) Bleachers, 41 Centre Street, Drumbo

9) Playground Structure/Playground Equipment, 41 Centre Street, Drumbo

10) Recreational Lighting, 100 Mill Street East, Plattsville

11) Recreational Fencing, 100 Mill Street East, Plattsville

12) Bleachers, 100 Mill Street East, Plattsville

13) Playground Structure/Playground Equipment, 100 Mill Street East, Plattsville

14) Recreational Lighting, 35 Main Street South, Princeton

15) Recreational Fencing, 35 Main Street South, Princeton

16) Bleachers, 35 Main Street South, Princeton

17) Playground Structure/Playground Equipment, 35 Main Street South, Princeton

18) Recreational Lighting, 51 John Street East, Bright

19) Recreational Fencing, 51 John Street East, Bright

20) Bleachers, 51 John Street East, Bright

21) Playground Structure/Playground Equipment, 51 John Street East, Bright

22) Skateboard Park, 51 John Street East, Bright

23) Fire Department Communication Equipment

24) 2005 Volvo Grader, Model No. G730B, Serial No. 38133

25) 2007 Caterpillar Grader, Serial No. APM03170

26) 2011 John Deere Grader, Model No. 772G

27) 2015 Case 621F Loader NEF221975

28) 1991 American Road Machinery Paving Machine, Serial No. 3911-HS

29) Retriever

30) Snow Plowing Equipment

31) Miscellaneous Tools and Equipment

32) Communication Receiving and Transmitting Equipment

33) New Holland T6030 Tractor with Attachments, Serial No.ZBBD15356

34) Walco 180409 Swivel Mount 8ft Broom

35) Caterpillar Backhoe Loader, Model 420F IT, Serial No. CAT0420FALKH00199

- Continued -


SCHEDULE OF COVERAGE

BASIS OF LOSS SETTLEMENT LIMIT OR AMOUNT ITEM DESCRIPTION APPLICABLE OF INSURANCE RIDER NO. 1 (cont’d) B. The following property(ies) are specifically excluded from this policy:

(a) Curling Rink, Ice Plant and Lounge Portion attached to, but not communicating with Arena Building, Plattsville.

C. Moveable Property Belonging to Others which the Insured Actual Cash Value 500,000.

is under obligation to insure or which is in the care, custody or control of the Insured and for which the Insured is legally liable.

This coverage does not apply to property otherwise scheduled above.

D. Limit on Valuable Papers: 500,000. E. Limit on Accounts Receivable: 500,000. F. Limit of Extra Expense Insured at Any One Location: 500,000. G. Rent or Rental Value Form: 500,000.

H. Master Key Protection: 25,000.

This policy is extended to provide cover, subject to all its terms and provisions for not more than the amount shown in any one occurrence to cover loss caused by the necessary replacement of locks and keys and the increased cost of security, following burglary, robbery or mysterious disappearance of master keys.

I. Personal Effects 25,000.

This policy is extended to cover personal effects of Councillors, Board Members, Officers and Employees only while on premises owned, rented or occupied by the Insured. The Insurer shall not be liable for losses or damage if, at this time of loss, there is any other insurance which would attach if this insurance had not been effected, except that this insurance shall apply only as excess and in no event as contributing insurance, and then only after all other insurance has been exhausted. This extension of coverage shall be limited to $ 5,000. Per Councillor, Board Member, Officer or Employee and $ 25,000.any one occurrence.


- Continued -

SCHEDULE OF COVERAGE

BASIS OF LOSS SETTLEMENT LIMIT OR AMOUNT ITEM DESCRIPTION APPLICABLE OF INSURANCE RIDER NO. 1 (cont’d) J. Additional Condition

Automatic Extension is hereby deleted and replaced by the following:

The coverage afforded by this policy is extended to insure property acquired by or on behalf of the Insured up to a limit not exceeding $ 25,000. provided the Insured is liable therefor and provided notice of such acquisitions is given to the Insurer within seven days.

RIDER NO. 2 1. Data Processing Insurance: 98,300. DEDUCTIBLES: Applicable to Rider No. 1 $10,000. Applicable to Rider No. 2 $ 2,500.

In no event shall the total Deductible exceed $ 10,000. in any one occurrence ______________ TOTAL AMOUNT OF INSURANCE $10,081,500. ______________



Equipment Breakdown (TechAdvantage)

Coverage Description ($) Deductibles / Waiting Period

($) Limit of Insurance

Direct Damage 10,000 50,000,000 Per Accident

Loss of Arena Revenues 24 Hours 1,000 Daily Indemnity 90,000 Total limit of loss

Extra Expense 500,000

Spoilage 50,000

Expediting Expense Included

Hazardous Substances 500,000

Ammonia Contamination 500,000

Water Damage 500,000

Professional Fees 500,000

Civil Authority or Denial of Access 30 days

Errors and Omissions 250,000

Data Restoration 50,000

By-Law Cover Included

Off Premises Transportable Object 10,000

Brands and Labels 100,000

Green Coverage 50,000

Environmental Efficiency *Will not show on Declarations Page

Up to 150% of Loss

Anchor Locations Included

Service Interruption *Will not show on Declarations Page

Included Within 1000 metres

Contingent Business Interruption 25,000

Public Relations Coverage 5,000



Owned Automobile


Liability

Bodily Injury

15,000,000

Property Damage Included

Accident Benefits As stated in Section 4

of the Policy

Uninsured Automobile As stated in Section 5

of the Policy

Direct Compensation – Property Damage

*This policy contains a partial payment of recovery clause for property damage if a deductible is specified for direct compensation-property damage.

Loss or Damage**

Specified Perils (excluding Collision or Upset)

Comprehensive (excluding Collision or Upset)

Collision or Upset

All Perils 5,000 Included

Endorsements

GCNA #3 - Equipment Endorsement Included

GCNA #4 - Fire Department Vehicles Included

GCNA #8 - Replacement Cost Included

#5 - Permission to Rent or Lease Automobiles and Extending Coverage to Specified Lessee(s)

Included

#21B - Blanket Fleet Coverage Pro Rata

Total ($)

** This policy contains a partial payment of loss clause. A deductible applies for each claim except as stated in your policy.

Account Premium

Prior Term Total Annual Premium

(Excluding Taxes Payable) $ 204,738 Total Annual Premium

(Excluding Taxes Payable) $ 208,142

Please refer to the insurance contract for all limits, terms, conditions and exclusions that apply. The premium Quoted is subject to a 15% minimum retained (unless otherwise stated).


Cost Analysis

Expiring Program

Term Renewal Program

Term

Casualty

General Liability $ 133,135 $ 135,798

Errors and Omissions Liability 11,579 11,579

Non-Owned Automobile Liability 200 200

Environmental Liability 5,726 5,726

Crime 1,000 1,000

Board Members Accident 434 434

Volunteers' Accident 150 150

Firefighters' Accident 3,286 3,286

Conflict of Interest 480 480

Legal Expense 1,200 1,200

Property

Property / Data Processing 11,065 11,190

Equipment Breakdown 698 705

Automobile

Owned Automobile 30,086 31,092

Excess

Excess Automobile 397 N/A

Follow Form 5,302 5,302

Total Annual Premium $ 204,738 $ 208,142

(Excluding Taxes Payable)


Changes to Your Insurance Program

Please be advised of the following changes to your insurance program that now apply:

Changes may have been made to Insurer(s), participation percentage and/or policy number(s).

Liability, Errors and Omissions and Cyber Risk Insurance (if coverage is applicable)

o Please refer to 'IMPORTANT PRODUCT CHANGES – DATA' regarding changes to the above coverages.

Casualty – Sewer Back Up Per Claimant Deductible

o The Sewer Back Up Per Claimant Deductible Endorsement has been revised. We have reformatted and clarified our intent under this endorsement.

Crime Coverage

o Computer and Transfer Fraud has been updated to clarify the intent of coverage. We now specify that coverage is to apply when a computer system is used to fraudulently transfer funds.

Legal Expense

o The Legal Expense wording has changed. For a brief description in the changes to coverage please refer to Legal Expense Coverage Change information attached.

o The Legal Expense Important Information document has been updated to include a wallet card that can be copied and distributed to Insured's covered under the policy (e.g. employees, managers etc.)

o We have automatically increased the Legal Expense limits to a $100,000 occurrence and $500,000 aggregate limit for no additional premium.

Property Policy

o Building values have been increased in order to reflect inflationary trends.

Equipment Breakdown Coverage

o Coverage has been expanded and limits increased. For product information refer to Equipment Breakdown TechAdvantage Highlights Sheet.

Automobile Policy

o Your policy now provides for primary automobile limits up to 15 million. As a result your policy will be issued without the need for an excess Automobile policy (SPF 7). Your primary auto limit is as shown on your “Schedule of Coverage”.

o Vehicle #9, 1990 Ford Pumper has been amended to Actual Cash Value due to age.

o As of June 1, 2016, new auto reforms in Ontario will be in effect, including lower accident benefit limits, new options to increase coverage. The Financial Services Commission of Ontario (FSCO) has produced a publication entitled “Important Changes to your Policy” which is available at www.fsco.gov.on.ca and provides consumers with information regarding the auto insurance reforms. The publication explains changes to the standard auto insurance policy and the new choices available. A copy of this will also be provided with your Insurance renewal documents.

Please contact your Insurance Representative if you have any questions regarding the Auto Reforms.

http://www.fsco.gov.on.ca/


IMPORTANT PRODUCT CHANGES – DATA

Every organization depends on data - be it in paper or digital form - to operate. Client and employee information is gathered and stored for transactional and/or customer service purposes, however, this activity poses a threat to both individuals and organizations with respect to right of privacy. One of the largest exposures an organization has is the unauthorized access of confidential information and the number of ways in which access can be illegally obtained is countless and ever evolving. Frank Cowan Company believes in providing you with coverage that responds to new and emerging trends. As a result we are announcing several product changes and enhancements.

LIABILITY CHANGES Liability policies were not designed to cover loss of information from computer systems. Common cyber exposures are routinely and expressly excluded under liability. Instead, insurance has evolved to offer specific solutions for cyber events by way of cyber liability policies. To clarify the intent of the Frank Cowan Company liability wordings, the personal injury coverage has been amended. While 'invasion of privacy' coverage is still provided under personal injury, coverage has been removed as it relates to data losses because a cyber liability policy is a better fit for this exposure. In addition, standard exclusions for fungi, asbestos, terrorism are now included within the base wording. These were previously added to the policy via endorsement. The war and nuclear exclusions have been updated for consistency in liability wordings.

ERRORS AND OMISSIONS CHANGES E & O coverage has changed to allow for an error or omission that may have resulted from a data entry error (e.g. a date error for an employees' benefit coverage). A loss of data or change in data as a result of a virus or cyber exposure is still not covered; however this change broadens coverage slightly and accurately reflects the original intent of this wording to cover human errors and omissions.

CYBER RISK INSURANCE CHANGES The Frank Cowan Company offers a comprehensive cyber product and responds to network and data breaches to your own computer system. There is an emerging trend where businesses that are similar in nature use Shared Computer Networks and Services via a Shared Network Agreement. This involves sharing specialized technological resources such as databases, programs, hardware and other resources to maintain the system and security. Such an arrangement can have many benefits such as cost savings and access to more reliable systems/services, but is not traditionally covered by cyber insurance policies.


EXAMPLES OF HOW COVERAGE MAY RESPOND WITH THE CHANGES WE HAVE MADE

Liability E&O Cyber

Invasion of Privacy

Loss involving personal or confidential data in electronic form

stored on the Insured's own computer system. No No Yes

Loss involving personal or confidential data that is stored on

a third party controlled shared computer network.

No No Yes

Invasion of Privacy involving personal or confidential

information from other sources (public disclosure of private

facts). E.g. A person is advised of a serious illness during a

medical visit. A paper with this information is carelessly left

on a desk and another patient reads and repeats this

damaging information.

Yes No No

Data Entry or Administration Error

The Insured makes an administration error or omission on

computer system to an employee benefit plan. No Yes No

The Insured makes an administration error or omission to a

paper file to an employee benefit plan. No Yes No

The following changes have been made to our cyber policy:

We have clarified the definition of Service Provider to automatically include Network Service

Agreements for Privacy Liability Coverage. New definitions have been added for Network Sharing

Agreements and PCI-DSS (Payment Card Industry Data Security Standard).

Forensic Costs no longer extend to a Service Providers System and industry standard war,

radioactive contamination and nuclear exclusions have been added.

We have amended the software responsibility exclusion so that it will only apply to software

relating to security.

Frank Cowan Company is pleased to offer optional protection for Crisis Management Coverage when

entering into a Shared Network Agreement via an endorsement that can be added to your cyber policy.

For your convenience, Frank Cowan Company has several resources available to assist your organization

with next steps. Visit frankcowan.com and search for “cyber” to download articles and policies and

procedures associated with cyber protection.

Note: Coverage for Liability, Errors and Omissions is optional and may not be provided on all risks. Should you have any or all of the

above coverages, these changes will become effective at your next renewal date. If you are adding one of these coverages to your

program, the changes to our wordings are effective July 1, 2016. If you have questions, or require more information, please contact

your Company Representative.


Legal Expense Coverage Changes Legal Expense

We offer comprehensive Legal Expense Coverage to protect an Insured against the cost of potential legal

disputes arising out of the Named Insured's operations.

Overview of Changes

The following document outlines the changes to our wording:

'Permissions' Clause: we have removed the clause that stated: Any "Insured" claiming under this

policy must have permission of the "Named Insured".

It is important to note that the definition of 'Insured' includes a wide range of people e.g. employees,

volunteers, managers, council and committee members; and coverage is applicable to duties relating

to the Named Insured's business.

The term ‘Insurer’ has been changed to ‘Insurer’s Claims Administrator’.

The term 'date of claim' has been removed and replaced by the term 'claim'. The term 'claim' has

been defined and spells out what constitutes a "claim" under each Insuring Agreement.

Insuring Agreements

We have added a clause stating we will not cover legal costs related to an investigation that is

conducted by the Named Insured (e.g. an internal investigation).

Insuring Agreement II Contract Disputes and Debt Recovery

o Coverage was previously excluded for disputes relating to the terms of a lease of land or building,

we now only exclude coverage when the Named Insured is the landlord; and

o We have deleted the exclusion relating to disputes over hardware, software or sales/services of

computers.

Limits of Insurance Section

We have clarified that all offences stemming from the same originating cause are considered to be one

claim and apply to each legal proceeding.

The 'Each Claim Limit' shown on the declarations will still apply to each Insured.

Coverage is still subject to an Each Claim Limit and an Aggregate Limit.

General Conditions

The General Condition 'Choice of Appointed Representative' has been amended to 'Conduct and Control

of a Claim'. It is requested that Insureds select a law firm from the DAS panel of lawyers. The Insured

must cooperate with legal counsel handling an Insured's case.

Client Material Available – Wallet Cards

The 'Legal Expense Important Information' wording attached to each policy explains the steps that are

to be taken in event of a claim.

A wallet card is now attached to the policy which the Named Insured can copy & distribute to each

Insured (e.g. managers, employees, etc.).

The information in this notice is intended for informational purposes only. For full details with respect to coverage, exclusions, conditions and limitations refer to the policy wordings. While coverage may be quoted, once a policy is issued coverage is only applicable if shown on Declaration Page or Schedule of Coverage.


Equipment Breakdown TechAdvantage Highlights Overview

Property policies typically exclude losses that Equipment Breakdown Insurance is designed to cover.

Equipment Breakdown Coverage insures against losses (property damage and business interruption) resulting from 'accidents' (as defined in the wording) to various types of equipment such as pressure, mechanical, electrical and pressure equipment (called “objects” in the policy). Coverage also extends to electronic equipment for 'electronic circuitry impairment'. Coverage typically extends to production machinery unless specifically excluded.

Features

Coverage is extended to pay for:

Property Damage: The cost to repair or replace damaged equipment or other covered property, including computers,

due to a covered accident.

Business Income The loss of business income due to an interruption caused by a covered accident from the date of

loss until such equipment is repaired or replaced or could have been repaired or replaced plus additional time to allow your business to become fully operational.

Extra Expense: Additional costs (e.g., equipment rental) you incur after a covered loss to maintain normal operations.

Expediting Expenses: The cost of temporary repairs or to expedite permanent repairs to restore business operations.

Service Interruption: Business income and extra expense resulting from a breakdown of equipment owned by a

supplier with whom the Insured has a contract to supply a service. If there is no contract, the equipment must be within 1000 metres of the location.

Data Restoration: The restoration of data that is lost or damaged due to a covered loss.

Demolition: Building demolition and rebuilding required by building laws.

Ordinance or law: The additional costs (other than demolition) to comply with building laws or codes.

Other Coverage: Spoilage, Hazardous Substances, Ammonia, Water damage, Professional Fees, Errors and

Omissions, Newly Acquired Locations, Civil Authority or Denial of Access. Coverage Automatically Includes:

Microelectronics Coverage: Provides insurance when physical damage is not detectable or when firmware or software

failure causes non-physical damage. Triggered when covered equipment suddenly stops functioning as it had been and that equipment or a part containing electronic circuitry must be replaced.

Cloud Computing – Service Interruption: Pays for business interruption and extra expense when your cloud computing

service provider experiences an outage due to an equipment breakdown.

Cloud Computing – Data Restoration: Pays for data restoration for data lost when stored and managed by a cloud

computing service provider that experiences an equipment breakdown.

Off Premises Transportable Objects: Extends coverage to transportable equipment anywhere in North America.

Anchor Location: (when business income coverage is purchased) expands Business Income coverage resulting from

a covered accident at an anchor location that attracts customers to an insured location.

Environmental Efficiency and Green Coverage: Pays for upgrades to more energy efficient or environmentally

friendly equipment.

Brands and Labels: Pays for the cost of removing labels or additional cost of stamping salvaged merchandise after a

loss.

Other Benefits

Public Relations Coverage: (when business income coverage is purchased other than extra expense) pays for public

relations assistance to help manage your reputation that may be damaged by business interruption or data loss.

Contingent Business Interruption: (when business income coverage is purchased other than extra expense) pays for

Business Income resulting from a covered accident to property not owned, operated or controlled by the Insured.

Additional Information

Inspection Services: we automatically provide inspections of boilers and pressure vessels to satisfy the provincial inspection requirements. The information in this notice is intended for informational purposes only. For full details with respect to coverage, exclusions, conditions and limitations refer to the policy wordings. While coverage may be quoted, once a policy is issued coverage is only applicable if shown on Declaration Page or Schedule of Coverage.


Program Options

Frank Cowan Company offers a comprehensive insurance program. Outlined below are the program options, followed by your current coverage highlights.

1. Cyber Liability

Organizations rely on technology and the safe processing and storage of data to conduct business on a daily basis. Ensuring the security of data information is becoming an increasingly difficult task, especially considering changing regulations. A failure in technology or data breach can have significant consequences not only on the balance sheet but also to your organization’s reputation. Cyber Risk Insurance is available. See attached Highlights Sheet. A completed application is required should a quote be requested.

Cyber Liability


Cyber Risk Insurance Coverage

Limits from $100,000 to $5,000,000 Available

Media Content Services Liability Included

Network Security Liability Included

Privacy Liability Included

Extortion Threat Included

Sub-Limits of Insurance (part of and not in addition to Policy Aggregate above)

Privacy Notification Costs Aggregate

Regulatory Proceedings Aggregate

Crisis Management Expense Aggregate

Business Interruption 24 Hours Aggregate

2. Facility User Solution

You may have numerous facilities that can be rented to the public. An important Risk Management step is to ensure third parties renting or leasing such facilities have their own insurance when they are renting or leasing your facilities. The Facility User Solution automatically provides this insurance.

The product is designed for short or long term rental agreements (e.g. social or sporting events) when Frank Cowan Company insures you, the facility owner.

We would be pleased to work with you in providing a quote for your facilities. See attached Highlight Sheet for details. A quote is available on request.

3. Unmanned Air Vehicle (UAV/Drone) Coverage

Property and/or Liability Coverage may be available for your Unmanned Air Vehicles (UAV/Drones).


Description of Coverages

____________________________________________________________

Frank Cowan Company offers a Comprehensive Insurance Program to meet your needs.

"Your Insurance Coverage" provides a summary of current coverages, limits and deductibles

included in this proposal.

Highlights of coverage follow providing a summary of coverage. Highlight pages may include

description of optional coverages.



Municipal Liability Coverage Highlights Overview

The Frank Cowan Company are specialists at insuring Public Entities. Our liability wording has been

specially designed to meet the unique needs of these types of risks.

Coverage

Limits up to $50,000,000 Available.

Occurrence coverage with No General Aggregate.

Territory – World-wide for all coverage.

Products and Completed Operations – liability arising out of the Insured's operations conducted

away from the Insured's premises once those operations have been completed or abandoned. An

Aggregate limit may apply for limits in excess of $25,000,000.

Bodily Injury including coverage for assault and battery.

Personal Injury coverage - broad coverage (including advertising coverage) for acts that violate or

infringe on the rights of others.

Liquor Liability for bodily injury or property damage imposed upon an Insured by a Liquor Liability

Act.

Blanket Contractual for liability assumed by the Insured in contracts, whether reported to the insurer

or not.

Products Liability - legal liability incurred by an Insured because of injury or damage resulting from

a products exposure.

Professional/Malpractice Liability including for bodily injury or property damage from professional

exposures.

Abuse Liability for the entity insured.

Employers Liability providing coverage for liability to employees for work-related bodily injury or

disease, other than liability imposed on the Insured by a workers compensation law.

Sewer backup Liability.

Watercraft Liability - full coverage with no restrictions.

Tenants legal liability.

Cross Liability.

Broad Definition of Insured. Common Endorsements

In addition to the base wording, we have many optional endorsements to tailor coverage for individual

accounts including:

Wrongful Dismissal (Legal Expense).

Forest Fire Expense.

Marina Liability Extension.

Sexual Abuse Therapy and Counselling Extension for long term care homes.

Other endorsements specifically crafted for a particular exposure.

Coverage is Provided for Unique Exposures

Products and Completed Operations Aggregate Limit may come into play for exposures such as

road maintenance, snow removal, garbage collection / waste disposal, street cleaning or other duties

that the Insured Municipality has to perform on behalf of third parties.

Assault and battery coverage is imperative when there are security exposures (e.g. police).

Products exposures such as utilities (e.g. water) are covered.

Full Malpractice including Medical Malpractice as well as professional exposures are covered.

Professional exposures include those such as medical, engineering, design errors or building

inspection operations.

Abuse and Professional Liability– as we have no exclusions for abuse, professional liability,

negligent hiring practices or failure to supervise we provide exceptionally broad coverage for health

risks such as long term care homes. The information in this notice is intended for informational purposes only. For full details with respect to coverage, exclusions, conditions and limitations refer to the policy wordings. While coverage may be quoted, once a policy is issued coverage is only applicable if shown on Declaration Page or Schedule of Coverage.


Public Entity Errors and Omissions Liability Coverage Highlights Public Entity Errors and Omissions Insurance

Public Entity Errors and Omissions Insurance (E&O) Coverage protects risks from civil litigation caused by

allegations of professional negligence or failure to perform professional duties. Errors and Omissions

focuses on providing coverage when there is financial loss to a third party (rather than bodily injury or

property damage as general liability does).

Features

Limits Typically limits follow that of our Liability. We have the availability to offer up to

$50,000,000.

Defence Costs Over and above the Limit of Insurance. Whether a potential claim is baseless, or

not, mounting legal expense can have serious monetary consequences for an

Insured. No Annual Aggregate With higher out of court settlements and increased damage awards, large or even

a series of small claims can quickly erode an annual aggregate limit.

Claims Made Policy Pays for claims occurring and reported during the policy period. Our policy

provides retroactive coverage (no date need be specified) and stipulates that a

claim is first known only when written notice is first received.

Claims Definition The definition of claim also includes arbitration, mediation or alternative dispute

resolution proceedings.

Insured Definition Includes Councilors, Statutory Officers, Council Committees, Firefighters,

Employees and Volunteers.

Coverage is Provided for Unique Exposures

Insurance No exclusion for failure to procure or maintain adequate insurance bonds or

coverage (e.g. construction projects).

Benefit Plans Errors or Omissions in administering Employee Benefit Plans are covered.

Misrepresentations Municipal governments are required to provide information with respect to local

matters and must ensure the information which is provided is accurate, true and

not misleading. Our definition of a Wrongful Act covers misstatements or

misleading statements.

Other Specialists and

Services

Covers errors or omissions when they are rendered in connection with operations

that are typical of public sector such as those of building inspections, zoning,

planning, developing or regulating by-laws. Officials and employees acting in good

faith are often times the subject of lawsuits.



Non-Owned Automobile Coverage Highlights Overview

Non-Owned and hired automobile liability insurance covers bodily injury and property damage caused by a

vehicle not owned by the Insured (including rented or borrowed vehicles). Coverage is provided for Third

Party Liability arising from the use or operation of any automobile not owned or licensed in the name of the

Insured if it results in bodily injury (including death), property damage (if the property was not in

possession of the Insured) to a third party.

Features

SEF No. 96 Contractual Liability:

When renting a vehicle you engage in a contractual relationship with the rental company where you

assume liability for the operation of the automobile. It is therefore important that contractual coverage

is added to the policy by way of an endorsement known as SEF (Standard Endorsement Form) No.

96. Contractual Liability coverage is automatically provided for all written contractual agreements with

our Non-Owned Automobile coverage.

SEF No. 99 Long Term Lease Exclusion:

When Contractual Liability is provided under the policy there is also an exclusion for Long Term

Leased vehicles SEF No. 99. This excludes coverage for vehicles hired or leased for longer than a

certain period such as 30 days.

Territory:

The Non-Owned Automobile policy provides coverage while in Canada and United States.

Termination Clause:

The standard termination clause has been amended in that the Insured may still provide notice of

cancellation at any time, however, the Insurer must provide ninety days' notice of cancellation to the

Insured rather than the standard 15 or 30 days.

SEF No. 94 Legal Liability (Physical Damage) to a Hired/Rented Automobile:

We automatically provide coverage for damage to a vehicle that you have hired or rented. Coverage is

provided via endorsement SEF No. 94. We automatically provide 'All Perils' coverage. The limit of

coverage will vary per client.


Courts have repeatedly held that when an automobile is used on a person’s behalf or under a person’s

direction, that person (or entity) has a responsibility for the operation of the automobile and may be held

liable for damages in the event of an accident even though he or she is not the owner or driver of the

vehicle. This common law principle has been supported by a number of court decisions making an

employer responsible for the use and operation of an automobile when an employee is operating an

automobile (not owned by the employer) while being used for the employer’s business.



Environmental Coverage Highlights Overview

Pollution incidents are a significant risk that can result in serious harm to public health and safety as well as to

the environment.

We provide pollution liability insurance for claims for third party bodily injury and property damage. Coverage is

provided on a blanket basis resulting from pollution conditions on or migrating from premises owned, occupied,

rented or leased by the insured that are discovered and are reported during the policy period. The policy

responds to events that are gradual in nature as well as those that are sudden and accidental causing third party

damage whether pollutants are released on land, into the atmosphere or in the water.

Features

Defence Costs

Our Defence costs are over and above the limit of insurance and will respond even if allegations are

groundless or false.

Storage Tanks

Seepage or leakage from both above and below ground storage tanks are covered without being

specifically listed on the policy.

Territory

Worldwide territory.

Limits of Insurance

Both a 'per incident' and an 'aggregate' limit is applicable.


Environmental exposures pose an imminent and substantial threat to public health, safety or welfare or to the

environment. Exposures could stem from: wastewater treatment plants, electric utility plants, construction sites,

flood and rainwater runoff or retention basins, underground fuel storage tanks, herbicides, pesticides, and

fertilizers, road salts and chemicals used to de-ice roads and bridges, contaminated waste from medical facilities

or health clinics, marina's, fire-fighting chemicals or even contaminated swimming pools.

An environmental exposure arising from sewers is covered under our liability.



Crime Coverage Highlights Overview

Our Crime Coverage is flexible in that the Insured may elect to purchase any or all of the crime coverage

we have available.

Features

Below is a brief description of each coverage:

Employee Dishonesty – Form A Commercial Blanket Bond

Covers loss of money, securities or other property from fraudulent or dishonest acts of the Insured’s

Employees.

Loss Inside and Loss Outside the Premises (Broad Form Money and Securities)

Loss of Money and Securities caused by destruction, disappearance or wrongful abstraction.

Money Orders and Counterfeit Paper Currency

Covers acceptance of false money orders or counterfeit Canadian or U.S. currency.

Forgery and Alteration

Covers forgery or alteration to a financial instrument (cheque, draft or promissory note).

Credit Card Forgery

Coverage protects the Insured (a corporate entity) from losses arising from its employees being

defrauded on their corporate credit cards.

Computer and Transfer Fraud (Including Voice Computer Toll Fraud)

Theft of money, securities or property when a computer is used to transfer money from an Insured

to another person or place is provided.

Voice computer toll fraud – the cost of long distance calls is covered if caused by the fraudulent

use of an account code or a system password.

Extortion (Threats to Persons and Threats to Property)

Threats to Person: Provides coverage when a threat is communicated to the Insured to do bodily

harm to a director, officer or partner of the Insured (or a relative) when these persons are being

held captive and the captivity has taken place within Canada or the U.S.A.

Threats to Property: Provides coverage when a threat is communicated to the Insured to do

damage to the premises or to property of the Insured located in Canada or the U.S.A.

Pension or Employee Benefit Plan Coverage

Loss from a pension or employee benefit plan resulting directly from a dishonest or fraudulent act

committed by a fiduciary.

Loss Sustained by a Client (Third Party Bond Coverage)

Coverage is extended to a third party or client of an Insured for the loss of money, securities or

other property caused by fraudulent or dishonest acts of an employee.

Audit Expense

Coverage for the expenses that are incurred by the Insured to external auditors to review their

books in order to prove a loss. This is a separate limit of insurance.



Board Members’ (Including Councillors') Accidental Death and Dismemberment Coverage Highlights

AD&D and Paralysis Limits Option 1 Option 2

Accidental Death or Dismemberment (including loss of life and heart attack

coverage).

Paralysis Coverage – 200% of Accidental Death and Dismemberment Limit.

Permanent Total Disability - Accidental Death and Dismemberment Limit.

$100,000 $250,000

Weekly Indemnity Option 1 Option 2

Total Loss of Time

Partial Loss of Time

$300

$150

$500

$300

Accident Reimbursement - $15,000

Chiropractor

Podiatrist/Chiropodist

Osteopath

Physiotherapist

Psychologist

Registered or Practical Nurse

Trained Attendant or Nursing Assistant‡

Transportation to nearest hospital†

Prescription drugs or Pharmaceutical supplies‡

Services of Physician or Surgeon outside of the

province †Maximum $1,000 per accident. ‡If prescribed by physician

Crutches†

Splints†

Trusses†

Braces (excludes dental braces)†

Casts†

Oxygen Equipment – Iron Lung

Rental of Wheelchair

Rental of Hospital Bed

Blood or Blood Plasma‡

Semi Private or Private hospital room‡

Dental Expenses

Dental Expenses $5,000

Occupational Retraining – Rehabilitation

Retraining – Rehabilitation for the Named Insured.

Spousal Occupational Training.

$15,000

$15,000

Repatriation

Repatriation Benefit (expenses to prepare and transport body home). $15,000

Dependent Children – per child

Dependent Children’s Education (limit is per year- maximum 4 years). Dependent Children’s Daycare (limit is per year- maximum 4 years).

$10,000 $10,000

Transportation/Accommodation (When treatment is over 100km from residence)

Transportation costs for the Insured when treatment is over 100km from home.

Transportation and accommodation costs when Insured is being treated over 100km from

home.

$1,500

$15,000

Home Alternation and Vehicle Modification

Expenses to modify the Insured's home and/or vehicle after an accident. $15,000

Seatbelt Dividend

10% of Principal Sum. $25,000

Funeral Expense

Benefit for loss of life. $10,000


Identification Benefit

Benefit for loss of life.

$5,000

Eyeglasses, Contact Lenses and Hearing Aids

When Insured requires these items due to an accident.

$3,000

Convalescence Benefit – Per day

Insured Coverage.

One Family Member Coverage.

$100

$50

Workplace Modification Benefits

Specialized equipment for the workplace. $5,000

Elective Benefits

Complete Fractures

Skull $ 5,200 Foot & Toes $ 2,200

Lower Jaw $ 2,800 Two or More Ribs $ 1,900

Collar Bone $ 2,800 Colles’ fracture $ 2,800

Shoulder Blade $ 3,500 Potts’ fracture $ 3,400

Shoulder Blade complications $ 3,700 Dislocation

Thigh $ 4,600 Shoulder $ 2,200

Thigh/hip joints $ 4,600 Elbow $ 2,200

Leg $ 3,500 Wrist $ 2,500

Kneecap $ 3,500 Hip $ 4,600

Knee/joint complications $ 4,000 Knee $ 3,500

Hand/Fingers $ 2,200 Bones of Foot or Toe $ 2,500

Arm (between shoulder & elbow) $ 4,600 Ankle $ 2,800

Forearm (between wrist & elbow) $ 2,800

Aggregate Limit

Aggregate Limit only applicable when 2 or more board members are injured in same

accident. $ 2,500,000

Coverage Extensions

Standard coverage is applicable while the Insured is 'On Duty'. Coverage for Accidents that may

occur 24/7 may be purchased.

Accidental Death of a Spouse While Travelling on Business is automatically included when this

coverage is purchased. This endorsement provides for Accidental Death of a spouse when the

spouse is travelling with an Insured Person on business. Coverage applies while travelling to or from

such an event and /or if the loss of life occurs within one year of the accident.

When Board Members' Accidental Death and Dismemberment Coverage is purchased, the Insured

also has the option to purchase Critical Illness Coverage.


Loss of life payments up to 365 days from date of Accident or if permanently disabled up to 5 years.

Weekly Indemnity coverage pays in addition to Elective Benefits.

Weekly Indemnity payments take other income sources into consideration (e.g. automobile, CPP, group

plans).

Coverage is applicable to Insured 80 years of age or under.



Volunteers’ Accidental Death and Dismemberment Coverage Highlights AD&D and Paralysis Limits

Accidental Death or Dismemberment.


$50,000

$100,000

Weekly Indemnity

Total Loss of Time.

Partial Loss of Time. † Volunteer must be gainfully employed immediately prior to an accident for weekly indemnity benefits

$500

$250


Chiropractor

Podiatrist/Chiropodist

Osteopath

Physiotherapist

Psychologist

Registered or Practical Nurse

Trained Attendant or Nursing Assistant‡

Transportation to nearest hospital†

Prescription drugs or Pharmaceutical supplies‡

Services of Physician or Surgeon outside of the

province

†Maximum $1,000 per accident. ‡If prescribed by

physician.

Crutches†

Splints†

Trusses†

Braces (excludes dental braces)†

Casts†

Oxygen Equipment – Iron Lung

Rental of Wheelchair

Rental of Hospital Bed

Blood or Blood Plasma‡

Semi Private or Private hospital room‡

Dental Expenses

Dental Expenses. $5,000

Occupational Retraining – Rehabilitation

Retraining – Rehabilitation for the Volunteer.

Spousal Occupational Training.

$15,000

$15,000

Repatriation

Repatriation Benefit (expenses to prepare and transport body home). $15,000

Dependent Children – per child

Dependent Children’s Education (limit per year- maximum 4 years).

Dependent Children’s Daycare (limit per year- maximum 4 years).

$10,000

$10,000

Transportation/Accommodation (When treatment is over 100km from residence.)

Insured Coverage.

Family Member.

$1,500

$15,000

Home Alteration and Vehicle Modification

Expenses to modify the Insured's home and/or vehicle after an accident.

$15,000

Seatbelt Dividend

10% of Principal Sum when proof of wearing a seatbelt. $5,000


Funeral Expense

Benefit for loss of life. $10,000

Identification Benefit

Transportation and accommodation costs for family member to identify Insured's remains. $5,000

Eyeglass, Contact Lenses and Hearing Aids

When Insured requires these items due to an accident. $3,000

Convalescence Benefit – Per day

Confined to hospital.

Out patient.

$100

$ 50

Workplace Modification Benefits

Specialized equipment for the workplace. $5,000

Aggregate Limit

Aggregate Limit only applicable when 2 or more volunteers are injured in same

accident.

$ 1,000,000


Loss of life payments up to 365 days from date of Accident Weekly Indemnity payments take other

income sources into consideration (e.g. automobile, CPP, group plans).

Coverage is applicable to Insured 80 years of age or under.

Coverage is afforded to the Volunteer only when they are 'On Duty'.



Firefighters' Accidental Death and Dismemberment Coverage Highlights Overview

This coverage applies to injury while the insured Person is on duty as a firefighter on behalf of the Insured. On duty means: actually on duty as a firefighter, ambulance driver or attendant, including responding directly to and returning directly from a fire, an emergency alarm or request; participating in rescue operations, emergency medical activities, training, drills, parades, fund-raising events, approved meetings and conventions, and tests or trials of firefighting or ambulance equipment, including while travelling directly to or returning directly from any of the activities specified.

AD&D and Paralysis Limits

Accidental Death or Dismemberment (including loss of life and heart attack coverage).


Permanent Total Disability - Accidental Death and Dismemberment Limit.

Option of:

$100,000

$200,000

Weekly Indemnity

Total Loss of Time.

Partial Loss of Time.

$400

$200


Various expenses (e.g. private hospital room, services of Chiropractor, Physiotherapist, prescription drugs etc.).

Additional Coverage

Dental Expenses

Rehabilitation

Repatriation

Dependent Children's Education

Dependent Children's Day Care

Spousal Occupational Training

Transportation/Accommodation

Home Alteration/Vehicle Modification

Seatbelt Dividend

Funeral Expenses

Eyeglasses, contact lenses and hearing aids

Convalescence Benefit

$1,000

$10,000

$10,000

$7,500 Per Child

$7,500 Per Child

$10,000

$10,000

$10,000

$10,000

$10,000

$2,000

$100 Per Day

Heart or Circulatory Malfunctions

If an Insured person suffers from heart or circulatory malfunctions while on duty weekly

indemnity coverage or loss of life coverage is payable.

$100,000

Infectious Disease, HIV Benefit, Permanent Disfigurement from Burns

If an Insured person sustains any of the above while on duty coverage is extended to pay a

benefit.

$100,000


Coverage is applicable when an accident occurs when an Insured is on duty as a firefighter.

Loss of life payments up to 365 days from date of Accident.

No Age Restriction.

Coverage extends to automatically replace new volunteer firefighters without being specifically

named on the policy.



Conflict of Interest Coverage Highlights Overview

Conflict of Interest can be described as a situation in which public servants have an actual or potential

interest that may influence or appear to influence the conduct of their official duties or rather divided

loyalties between private interests and public duties.

Conflict of Interest coverage provides protection for the cost of legal fees and disbursements in defending

a charge under the Municipal Conflict of Interest Act (or other similar Provincial Legislation in the

respective province of the Insured).

Features

Coverage is offered as a stand-alone coverage providing the client a separate limit of insurance that is not combined with any other coverage such as legal expense coverage. Per Claim Limit only – No Annual Aggregate. Coverage provided on a Reimbursement Basis.

Coverage Description

Coverage is provided for legal costs an Insured incurs in defending a charge under the Provincial Conflict

of Interest Act if a court finds that:

There was no breach by the Insured; or The contravention occurred because of true negligence or true error in judgment; or The interest was so remote or insignificant that it would not have had any influence in the matter.


Coverage is provided for elected or appointed members of the Named Insured including any Member of its

Boards, Commissions or Committees as defined in the ‘Conflict of Interest Act’ while performing duties

related to the conduct of the Named Insured’s business.

Conflict of Interest coverage is applicable to only those classes of businesses that are subject to the

Municipal Conflict of Interest Act (or other similar Provincial legislation in the respective province of the

Insured).



Legal Expense Coverage Highlights Coverage Features

We offer comprehensive Legal Expense Coverage to protect an Insured against the cost of potential legal

disputes arising out of your operations.

Coverage will pay as costs are incurred.

Broad Core Coverage.

Optional Coverage.

Coverage for Appeals for Legal Defence Costs and any Optional Coverage purchased.

Unlimited Telephone Legal Advice and access to Specialized Legal Representation in event of legal

disputes.

Additional Optional Coverage available.

Broad Core Coverage

The core coverage provides Legal Defence Costs for:

Provincial statute or regulation.

Criminal Code Coverage when being investigated or prosecuted. Coverage is applicable whether

pleading guilty or a verdict of guilt is declared.

Civil action for failure to comply under privacy legislation.

Civil action when an Insured is a trustee of a pension fund for the Named Insured's employees.

Optional Coverage

In addition to the Core Coverage an Insured can mix and match any of the following Optional Coverage:

Contract Disputes and Debt Recovery.

Statutory License Protection.

Property Protection.

Tax Protection.

Limits and Deductibles

Coverage is subject to an Occurrence and an Aggregate Limit.

The Core Coverage is typically written with no deductible however a deductible may be applied to

Optional Coverage.

Exclusions

Each Insuring Agreement is subject to Specific Exclusions and Policy Exclusions.

Municipal Conflict of Interest Act (or other similar provisions of other Provincial legislation) is excluded.

* Conflict of Interest Coverage may be provided under a separate policy for eligible classes of

business. Telephone Legal Advice and Specialized Legal Representation

General Advice (available from 8 am until 12 am local time, 7 days a week).

Emergency access to a Lawyer 24 hours a day, 7 days a week.

Services now automatically include the option of using an appointed representative from a panel

of Lawyers with expertise in a variety of areas.



Property Coverage Highlights Overview

We recognize Public Entities have a wide variety of property (buildings, equipment and supplies). Our

wording is exceptionally broad and can cover property without it being specifically listed. Equipment and

Supplies that may be unique to Public Entities may include: sewer maintenance equipment, unlicensed

mobile equipment and other maintenance equipment, emergency equipment (e.g. firefighting equipment),

generators, computers. Other contents and supplies are also automatically covered under our property

wording without being specifically listed such as road salts, herbicides/pesticides, fuels or office contents.

Coverage can be tailored for particular risks or unique exposures e.g. coverage for police dogs, watercraft

coverage for rescue operations, buildings in course of construction or property of others may require

coverage.

Features

Coverage is typically written:

On an all risk basis including replacement cost.

As Property of Every Description – coverage can be scheduled separately if required.

With no coinsurance, no statement of values, no margins clause or same site restriction.

Additional Coverage Features

Land/water (pollution) clean-up: provided up to the limit of insurance if caused by an insured peril to

insured property, no sublimit.

Property in Transit is automatically covered and need not be scheduled separately (all property in

transit is covered including that which is typically covered under ocean marine policy).

Unlicensed Equipment (e.g. contractors equipment): Automatically includes replacement cost as the

basis of settlement regardless of age (can be ACV or Valued if client requires) this is applicable if

insured owns the unlicensed equipment.

Standard Extensions of Coverage are included (e.g. accounts receivable or valuable papers).

Water Towers, Standpipes and Water Reservoirs can be specifically insured.

Coverage for docks and wharves is available.

Sewer Back up – automatically covered.

By-laws Coverage –for insured losses.

Flood and Earthquake – available.

Worldwide territory.

Newly acquired.

Business Interruption Coverage

Business Interruption Coverage:

Extra Expense – automatically covered.

Other business interruption forms available upon request including:

o Profits, Gross Revenue, Gross Earnings, Rental Value, Gross Rents forms.



Equipment Breakdown TechAdvantage Highlights Overview

Property policies typically exclude losses that Equipment Breakdown Insurance is designed to cover.

Equipment Breakdown Coverage insures against losses (property damage and business interruption) resulting from 'accidents' (as defined in the wording) to various types of equipment such as pressure, mechanical, electrical and pressure equipment (called “objects” in the policy). Coverage also extends to electronic equipment for 'electronic circuitry impairment'. Coverage typically extends to production machinery unless specifically excluded.

Features

Coverage is extended to pay for:

Property Damage: The cost to repair or replace damaged equipment or other covered property, including

computers, due to a covered accident.

Business Income The loss of business income due to an interruption caused by a covered accident from the date

of loss until such equipment is repaired or replaced or could have been repaired or replaced plus additional time to allow your business to become fully operational.

Extra Expense: Additional costs (e.g., equipment rental) you incur after a covered loss to maintain normal

operations.

Expediting Expenses: The cost of temporary repairs or to expedite permanent repairs to restore business

operations.

Service Interruption: Business income and extra expense resulting from a breakdown of equipment owned by a

supplier with whom the Insured has a contract to supply a service. If there is no contract, the equipment must be within 1000 metres of the location.

Data Restoration: The restoration of data that is lost or damaged due to a covered loss.

Demolition: Building demolition and rebuilding required by building laws.

Ordinance or law: The additional costs (other than demolition) to comply with building laws or codes.

Other Coverage: Spoilage, Hazardous Substances, Ammonia, Water damage, Professional Fees, Errors and

Omissions, Newly Acquired Locations, Civil Authority or Denial of Access.

Coverage Automatically Includes:

Microelectronics Coverage: Provides insurance when physical damage is not detectable or when firmware or

software failure causes non-physical damage. Triggered when covered equipment suddenly stops functioning as it had been and that equipment or a part containing electronic circuitry must be replaced.

Cloud Computing – Service Interruption: Pays for business interruption and extra expense when your cloud

computing service provider experiences an outage due to an equipment breakdown.

Cloud Computing – Data Restoration: Pays for data restoration for data lost when stored and managed by a cloud

computing service provider that experiences an equipment breakdown.

Off Premises Transportable Objects: Extends coverage to transportable equipment anywhere in North America.

Anchor Location: (when business income coverage is purchased) expands Business Income coverage resulting

from a covered accident at an anchor location that attracts customers to an insured location.

Environmental Efficiency and Green Coverage: Pays for upgrades to more energy efficient or environmentally

friendly equipment.

Brands and Labels: Pays for the cost of removing labels or additional cost of stamping salvaged merchandise

after a loss.

Other Benefits

Public Relations Coverage: (when business income coverage is purchased other than extra expense) pays for

public relations assistance to help manage your reputation that may be damaged by business interruption or data loss.

Contingent Business Interruption: (when business income coverage is purchased other than extra expense) pays

for Business Income resulting from a covered accident to property not owned, operated or controlled by the Insured.


Inspection Services: we automatically provide inspections of boilers and pressure vessels to satisfy the provincial inspection requirements. The information in this notice is intended for informational purposes only. For full details with respect to coverage, exclusions, conditions and limitations refer to the policy wordings. While coverage may be quoted, once a policy is issued coverage is only applicable if shown on Declaration Page or Schedule of Coverage.


Owned Automobile Coverage Highlights Overview

We can provide mandatory automobile coverage for all licensed vehicles owned and/or leased by the Insured.

Features

Third-Party Liability Coverage:

Coverage is provided for Third Party Liability (bodily injury and property damage) protecting you if someone

else is killed or injured, or their property is damaged. It will pay for claims as a result of lawsuits against you up

to the limit of your coverage, and will pay the costs of settling the claims. Coverage is for licensed vehicles you

own and/or leased vehicles.

Standard Statutory Accident Benefits Coverage:

We automatically provide standard benefits if you are injured in an automobile accident, regardless of who

caused the accident. Optional Increased Accident Benefits Coverage is available upon written request.

Optional Statutory Accident Benefits Coverage - Available upon request

Including coverage for: Income Replacement; Caregiver, Housekeeping & Home Maintenance; Medical &

Rehabilitation; Attendant Care; Enhanced Medical Rehabilitation & Attendant Care; Death & Funeral;

Dependent Care; Indexation Benefit (Consumer Price Index) – Ontario

Direct Compensation Property Damage:

Covers damage to your vehicle or its contents, and for loss of use of your vehicle or its contents, to the extent

that another person was at fault for the accident as per statute.

Physical Damage Coverage:

Various basis of settlement including: Replacement Cost, Valued Basis and Actual Cash Value.

Replacement Cost – No deduction for depreciation for repairs or replacement.

Available for specified vehicles (up to 25 years of age).

Total Loss: the Insured has the option of purchasing a new vehicle, or accepting a cash settlement for

the amount it would cost to purchase a new vehicle.

Partial Loss: repair estimates are calculated by using all new parts to repair damage.

Valued Basis:

Can be provided on specified vehicles, usually those that are obsolete, would not be replaced, or would be

replaced with a used vehicle.

Actual Cash Value:

Actual Cash Value (ACV) coverage is automatically provided for specified vehicles.


Blanket Fleet Endorsement:

Coverage is provided on a blanket basis under the 21B – Blanket Fleet Endorsement. Premium adjustment is

done on renewal. Adjustment is made on a 50/50 or pro rata basis as specified in the endorsement. Mid-term

endorsements are not processed on policies with this blanket cover.

Single Loss:

If a single loss involves both the Automobile and Property Insurance policies, the Property policy deductible is

waived only on any insured property attached to the automobile.

For a list of vehicles quoted, refer to Exhibit "B".

The information in this notice is intended for informational purposes only. For full details with respect to coverage, exclusions, conditions and limitations

refer to the policy wordings. While coverage may be quoted, once a policy is issued coverage is only applicable if shown on Declaration Page or Schedule of

Coverage.


Program Options – Highlights of Coverage

____________________________________________________________

Frank Cowan Company offers a Comprehensive Insurance Program to meet your needs.

In addition to "Your Insurance Coverage", enhancements to your coverage are available as

outlined under the Program Options page.

Highlights of coverage follow providing a brief description of these options.



Cyber Risk Insurance Coverage Highlights Overview

Cyber, network and data exposures impact all companies and thus this solution is suitable for almost any

industry. We offer comprehensive Cyber Risk Insurance Coverage to protect an Insured against the cost of a

failure in technology or data breach as well as costs involved in restoring the organization’s reputation.

The Privacy Liability coverage section will now automatically extend coverage to a 'Service Provider' and/or

under a 'Shared Network Arrangement'. We also offer an optional endorsement which will extend coverage to

Crisis Management Costs.

Coverage

Media Content Services Liability.

Media exposures such as defamation and breaches of intellectual property rights arising from your on-line publishing.

Network Security Liability.

Failure to protect against unauthorized access to; unauthorized use of, or denial of services attack.

Privacy Liability Coverage.

Consists of various components such as: Privacy Liability, Privacy Notification Costs and Regulatory

Proceedings Coverage.

Privacy Liability

o Provides coverage for your liability when you fail to safeguard personal information you have

been entrusted with.

Privacy Notification Costs

o Notification costs and credit monitoring after a breach.

Regulatory Proceedings Coverage

o Covers fines and penalties.

Extortion Threat

Cover to assist you in dealing with the costs of handling/response to a threat from a hacker to attack your information and electronic assets.

Crisis Management Expense

Costs to assist you after a network compromise to your own system (e.g. public relations costs).

Business Interruption

Covers the reduction in business income during the period of restoration after compromise to your own system.

Limits and Deductibles

Limits

A range of limits available up to $5 million (sub limits apply to first party coverage).

Pays up to the Limit of Insurance for each coverage specified, subject to an Aggregate Limit.

Deductibles

A separate deductible may apply to each coverage.



Facility User Solution Coverage

Highlights Overview

The Frank Cowan Company Facility User Solution provides you (the facility owner) with the

knowledge that the person(s) renting or leasing your facilities have insurance for events they are hosting.

You also have peace of mind knowing they have added you (the facility owner) as an 'additional insured'

to that insurance. As an 'additional insured' your interests are covered when a claim occurs as a result of

negligence by someone renting or leasing the facilities.

With the Frank Cowan Company Limited Facility User Solution we automatically cover a variety of

'Sporting' and 'Non Sporting Events.'

Features

We provide coverage on one master policy with:

The option of insuring all of your rented or leased facilities or only selected facilities.

The option of $2,000,000 or $5,000,000 liability limits for all users.

Coverage under a commercial general liability form with extensions for Tenants Legal Liability, Medical

Expenses and Non Owned Automobile Coverage.

Coverage is written on a Reporting Basis – with a deposit premium at inception and premium being

adjusted annually.

Activities or Events Insured

Approved Activities include the following Non Sporting and Sporting Events:

Non Sporting Events

Anniversaries, arts, art shows and exhibits, auctions, banquets, bazaars, birthday parties, bridge, chess

clubs, crafts, dance parties, dance recitals, dinners, engagement parties (e.g. Jack and Jill events),

fashion shows, graduations, music recitals or other family celebrations (e.g. christenings, showers,

graduations etc.), photo shoots, picnics, religious services, retirement parties, reunions, seasonal

markets, seminars, speakers, talent shows, theatre performances, weddings or other ceremonies,

workshops/classroom instruction.

Sporting Events

Badminton, baton twirling, bowling, curling, dance lessons, horseshoes, lawn bowling, public skating,

shuffle board, table tennis, tai chi, tennis, ball/roller/floor hockey, baseball, basketball, broomball, cheer

leading, cricket, dodge ball, dry land training, field hockey, figure skating, fitness classes, frisbee,

handball, non-contact sports (martial arts, pick up hockey, pick up lacrosse, touch/flag football), pickle

ball, racquet ball, ringette, slo-pitch, soccer, softball, squash, swimming with life guard, synchronized

swim, t-ball, track & field, volleyball and yoga.

Excluded Activities

Alpine skiing, bachelorette/stagette parties, bike racing, boxing, climbing walls, contact sports, cycling,

fireworks, gymnastics, horse related, kabaddi, kayaking, kickboxing, motor vehicle activities, rugby,

skateboarding, snowboarding, stag/bachelor parties, tackle football or wrestling.

While we do provide coverage under the program for sporting activities we do not provide coverage for

Organized Sports Teams/Leagues.



EXHIBIT “A”

Estimate of Values

The information contained herein is confidential, commercial, financial, scientific and/or technical information that is proprietary to Frank Cowan Company and cannot be disclosed to others. Any such disclosure could reasonably be expected to result in significant prejudice to the competitive position of Frank Cowan Company, significant interference with its competitive position and/or cause it undue loss.

TOWNSHIP OF BLANDFORD-BLENHEIM

Agenda Item

To: Members of Council From: Gary Crandall Director of Public Works

Reviewed By: Rodger Mordue Date: December 1, 2016

Subject: Monthly Report Council Meeting Date: December 7, 2016

Report #: PW-16-25

Recommendation: That Report PW-16-25 be received as information,

Background:

Road Crew Activities

• See Road Supervisor Activity Report for November (CA)

Capital

• Drumbo parking lot base work is complete. Waiting for streetlight install. Curb, asphaltand final restoration will be included in the 2017 budget anticipating completion by June

• Investigating alternative bridge designs for Bridge #51 on Blenheim Road at OxfordRoad 8. Expect to tender early in 2017 for construction in June when able to work inwater

• Met with County to finalize issues of Sanitary Forcemain and timing of construction.County is discussing possible watermain install for Nithal Farms subdivision. Work cannow be tendered.

• Both Archaeological study report and property reference plans for Hofstetter Road arecomplete

• Tandem Truck has been received. Greasing unit has been installed, undercoating andlicencing completed. Unit is ready for use.

• Blenheim Road at Twp. Rd. 14 legal survey and reference plans being completed.

Back to Agenda List 9.a.i

Report PW-16-25 - 2 - December 7, 2016

County Shared Service/Road Association/Training

• OGRA Conference in Toronto Sunday February 26th to Wednesday March 1st, 2017 • I attended the MEOA Fall Technology Field Trip November 13th – 16th. • I attended R.O.W. (Right-of-Way) workshop November 23rd. • Jim Borton & I took part in the Oxford County Emergency Planning Table Top Exercise

November 28th • Shared Services minutes for November 10th (CA)

Other

• Additional tree and stump grinding completed • Licence renewals completed for all township fleet • I was invited to take part in Oxford County Transportation Master Plan Advisory

Committee. Initial meeting was held November 7th • Attended Inspection of Plattsville Estates Phase 4 underground services and road work

with K. Smart Associates on November 25th • Attended meeting at County with K. Smarts to finalize Hofstetter Road Extension

forcemain and construction conflicts. Also discussed in adequate proposed sightlines on Brant-Oxford Road immediately north of Twp. Rd. 5 intersection for 2018 upgrades

• Discussions with Region of Waterloo consulting engineer about grades of Trussler Road at Twp. Rd. 10 work scheduled for 2017. A full road closure will be in place to accommodate the road work and bridge deck repairs beginning in May for the summer. The official detour will be through Drumbo.

Attachments:

• Road Supervisor Activity Report for November • Service Sharing minutes for November 10th

Respectfully submitted by: __________________________ Gary Crandall Director of Public Works

Created by: Jim Borton, Road Supervisor

Monthly Activities for November

Tasks completed Grade rutting and pot holes on Township roads. Road side grass cutting on all Township roads. Winter Maintenance Training. Drumbo Parking Lot – install drainage and prepare base. Stump grinding and clean up. Ditch work on Blandford Rd. Gravel 10 B (Union Gas plant). Plow equipment mounted, checked and is ready to go. Calibrate salt/sand trucks. Salt/sand dome filled for the winter. Twp. 2 B – Base repair and ditch work. Twp. 4 C – Base repair and ditch work. Speed signs utilized in Drumbo, Princeton and Richwood. Remove sidewalk from Bright Fire Hall. Projects being worked on Fill pot holes in our hard surfaced roads with cold mix. Pickup road side garbage. Trim trees and pickup branches from the road side. Haul brush and compost to Salford Land fill. Grading of Township roads. Maintain regulatory signs. Daily, weekly, and monthly road inspections. Preventative maintenance on Township Equipment. Winter Maintenance patrols. Monitor/clean culverts on Twp. 9 – Beavers trying to dam. Nuisance animal control has been called. Future projects Drumbo Parking Lot – curbs, lights and asphalt. (2017) Driveway Culvert on Township #13 (Oxford #5/Blandford). Install a catch basin on James St. Bright. Clean around drainage inlet. Ratho (2017)

Created by: Jim Borton, Road Supervisor

Emergency Calls Nov. 20 – Brant-Oxford Rd, differed to Oxford County. General Information The new plow truck has arrived and is ready to go. The gate closing the dead end of Twp. Rd. 2 off Canning Rd. – We have put a heavy duty lock and cable on to stop the gates from being tampered with. New posts have been added to the North/East side to prevent vehicles driving through the field to get around them. We had McKenzie Fleming in for bring your kid to work day Nov. 2. Residents’ Concerns Plattsville – Tree stump grindings being cleaned up. Township 8 – Tree stump grindings being cleaned up. Wolverton – Tree cutting. Blenheim Rd. – Animal carcasses left on the side of the road. Township 3 – Paint cans dumped on the side of the road.

Service Rationalization MEETING MINUTES DATE: November 10th, 2016 LOCATION: SWOX, Ontario PRESENT: Doug Wituik, Bill Freeman, Alex Piggott, Vance Czerwinski, Tom Lightfoot, Marty Lenaers, Aden Corcoran, Melissa Abercrombie,Gary Crandall REGRETS: COMMITTEE CHAIRMAN: Alex Piggott SECRETARY: Doug Wituik

ITEM

ACTION

ASSIGNED

TO 1. Meeting called to order

10.10am

2. Minutes of Last Meeting:

Reviewed minutes – Vance Moved and seconded -Scott

3. Correspondence/ Speaker

None

4. Old Business

5. New Business Dennis O’Neil long OGRA long service award applied for, Aden to check AORS application process Weather forecasting improvements ongoing, New agreement to be signed for a 1 year term Joint Winter Control training balance sheets dispersed and feedback was positive Joint Association Meeting balance sheets dispersed, very positive feedback, wrap up meeting at Dec Service Sharing meeting Everyone currently working on Transport Canada rail crossing report

6. Round Table Gary- Spotlight ad complete, Dennis long service award from Oxford Road Supervisor Association has been purchased Bill- Brian Donlevy would like to attend a future service sharing meeting date tbd Top of fair tickets selling well

7. Health & Safety

Spring joint multi subject training to be discussed at January meeting

8. Next Meeting December 8th Zorra

9. Adjourned 11.45 Marty, Bill


Agenda Item

To: Members of Council From: Jim Harmer Drainage Superintendent

Reviewed By: Rodger Mordue Date: November 30, 2016

Subject: Monthly Report Council Meeting Date: December 7, 2016

Report #: DS-16-19

Recommendation:

That Report DS-16-19 be received as information

Background:

Monthly activities of the Drainage Department November 30, 2016

Analysis/Discussion

1. Working on drain maintenance and various site meeting to review work required withratepayers.

2. Working on updating of the Township Drainage Map

3. Working with County re common law of drainage issue. Hosted site meeting to reviewdrainage issue with ratepayers in the area of lot 4 con 1

4. Working with lawyer on compliance letters.

5. 71 locate for ON 1 Call in November 2016 including 1 emergency and 1 priority locates.

6. Commenting on various planning application.

7. Kamview Poultry at Lot 1 Concession 1 working with Engineer and GRCA held sitemeeting to review request of petitioner as per Drainage Act working on survey of drain

8. Review of Plattsville Estates Phase 4 construction / petition to incorporate drains (seestaff report appointment of Engineer )

9 Working with P. Eng. on Nithall farm subdivision Hall Drain relocation and overland flow 100 year storm had site meeting with staff and developer

Back to Agenda List 9.b.i

Report DS-16-19 - 2 - November 30, 2016

Financial Considerations:

None

Attachments:

None

Respectfully submitted by: _________________________ Jim Harmer Drainage Superintendent


Agenda Item

To: Members of Council From: Jim Harmer Drainage Superintendent


Subject: Petition for Drainage Appointment of Engineer

Council Meeting Date: December 7, 2016

Report #: DS-16-20

Recommendation:

That Report DS-16-20 be received as Information; and,

Whereas the Grand River Conservation Authority have not registered any comments to the petition for drainage work for the Part of Lot 17, Concession 13, subject and easement as in A27252, Township Blandford Blenheim (PIN 00285-0716LT; and Block78, Plan 41R141 save and except Part 1 Plan 41R8178, Township Blandford Blenheim (PIN 00285-0257LT)

Plattsville Estates Phase 4 where the storm sewers, catch basin and laterials provide to service the 40 lots and 9 Blocks and 2 streets ( Applewood St., Glenbriar St.) to be incorpored as a municipal Drain from 1578651 Ontario Limited (John Zimmer)

Be It resolved that Council appoints K Smart & Associates Ltd., 85 McIntyre Dr. Kitchener, Ont. N2R 1H6, to prepare a new drainage report as per the petition accordance with Section 4 of the Drainage Act and that the report be included as part of the petition report for Phase 3A and Phase 3B

Background:

Have received a signed petition for drainage in the area of Part of Lot 17, Concession 13, subject and easement as in A27252, Township Blandford Blenheim (PIN 00285-0716LT; and Block78, Plan 41R141 save and except Part 1 Plan 41R8178, Township Blandford Blenheim (PIN 00285-0257LT)

Plattsville Estates Phase 4 where the storm sewers, catch basin and laterials provide to service the 40 lots and 9 Blocks and 2 streets ( Applewood St., Glenbriar St.) to be incorpored as a municipal Drain from 1578651 Ontario Limited (John Zimmer)

The GRCA have been notified of council intention to proceed with the petition accepted at the November 3 2016 council meeting.

Back to Agenda List 9.b.ii

Report DS-16-20 - 2 - December 1, 2016

Also Council has not received any request for cost benefit statements or environmental appraisal as per Section 6 and 7 of the Drainage Act

Analysis/Discussion:

Therefore in accordance with Section 8 of the Drainage Act Council may appoint an Engineer to prepare a report in accordance with Section 4 of the Act


The cost of all municipal drain are assessed to effected landowner in the area requiring drainage

Attachments:

Copy of petition and area to be effected by petition

Respectfully submitted by: __________________________ Jim Harmer


Agenda Item

To: Members of Council From: Ken Wood, Manager of Community Services

Reviewed By: Rodger Mordue, CAO/Clerk Date: November 30, 2016

Subject: Monthly Report – November Council Meeting Date: December 7, 2016

Report #: CS-16-21

Recommendation: That Report CS-16-21 be received as information.

Background: The following will provide Council with an update regarding the activities of the Community Services Department, for the month of November.

Analysis/Discussion: Princeton Park Expansion Bench pads were put into place by volunteers and a very nice job was done by them. Benches are starting to be put into place and may continue throughout the winter. Both the water and hydro are done. The north fence should be completed this week. The Legacy Committee will be busy with the tree and bench fundraising throughout the next few months leading up to our spring planting season. Waste receptacles purchased as part of the fundraising have been placed along the trail and 2 dog waste bag dispenser stations have been put into place. We have a free trial on the dog waste bag dispenser stations for 2 months. Natural planting of grasses and flowers has also been applied around the pond areas.

Drumbo Lights Project The post are delayed, 90% of all other materials are at the contractors shop.

Arena Staff hosted a group from the community of Bayfield, Ontario who were interested in our renovation. Throughout the tour staff received positive comments regarding the cleanliness of the facility and the layout.

Oxford Child & Youth Planning Table On the 23rd the Manager attended the Oxford Child & Youth Planning Table. This is an important step in Oxford County to coordinate services for children and youth hopefully identifies gaps and duplication in services while encouraging all groups to work together for systemic change to benefit the young people of our community. Those in attendance

Back to Agenda List 9.b.iii

Report CS-16-21 - 2 – November 30, 2016

represented the Woodstock Police, the youth justice system, youth mental health and others. Only 2 municipal recreation departments were present with Blandford- Blenheim being the only rural representative. Although the school board was invited, they sent their regrets. I did leave the session supporting the need for this planning table to be active and move on actions. As well, the importance of our educational institutions to be present at these meeting and be active in community partnerships was reinforced. __________________________ Ken Wood Manager of Community Services


Agenda Item

To: Members of Council From: Denise Krug, Director of Finance


Report #: TR-16-09 Council Meeting Date: December 7, 2016

Subject: 2017 Salaries and Wages

Recommendation:

That Report TR-16-09 be received as information;

And further that the remuneration for Council members, Volunteer Fire Fighters, Fence-Viewers, Livestock Valuers, Property Standards Committee members and all Township employees, with the exception of those affected by minimum wage legislation, be increased by 1.5% effective January 1, 2017;

Background:

Each year Council gives consideration to salary increases for staff and others based on the cost of living index, as established by Statistics Canada. TR-15-11 recommended that the Cost of Living Adjustment (COLA), from August to August of the previous year be used on an ongoing basis, for budgeting and consistency.

The one year average increase in the monthly Consumer Price Index for the province of Ontario, from August 2015 to August 2016 is 1.5%.


This amount is within the range of other townships within our County and the County itself. Their proposed increases fall within the range of 1.0 to 2.1%.

For budgeting purposes, an increase of 1.5% in all salaries and wages will be included in the 2017 draft budget.


See Above

Back to Agenda List 9.c.i

Report TR-15-11 - 2 - November 4, 2015

Attachments:

None Respectfully submitted by: Denise Krug Director of Finance/Treasurer


Agenda Item



Report #: TR-16-10 Council Meeting Date: December 7, 2016

Subject: 2017 Fees and Charges

Recommendation:


And further that Council authorize the Director of Finance to prepare a fees and charges by-law for the December 21, 2016 Council meeting based upon Township fees and charges as outlined on the attached schedules.

Background:

Section 391(1) of the Municipal Act, 2001 authorizes a municipality to impose fees and charges on persons,

(a) For services or activities provided or done by or on behalf of it; (b) For costs payable by it for services or activities provided or done by or on behalf of any

other municipality or any local board; and (c) For the use of its property including property under its control.

Under Section 400(d) of the Municipal Act, 2001 and the Township of Blandford-Blenheim Notice By-Law, the Township is required to give notice of its intention to pass a by-law imposing the fees and charges which have priority lien status.


The proposed 2017 user fees and charges by department is attached to this report. User fees and charges were generally increased by a modest percentage or the fee was left unchanged for 2017.

For the Cemetery section the following revisions were made:

Use of Chapel at Mausoleum

Chapels exist at the Drumbo and Princeton mausoleums but have not been used for a number of years and are in poor condition. They should not be offered for rent and this charge should be eliminated from the fees and charges schedule.

Use of Storage Vault – own Township

Back to Agenda List 9.c.ii

Report TR-15-12 - 2 - October 21, 2015

The storage vault has been offered as an alternative to paying a surcharge for winter burials. The Township has been assuming a level of liability when winter storage is offered in the mausoleum vault. Since its being recommended that the winter burial charge be adjusted to be based on actual charges incurred by the municipality it is recommended that this service no longer be offered. Use of Storage Vault – other Cemeteries It is recommended that this service also no longer be offered for the reasons detailed above. Snow Removal A flat rate charge for snow removal has been in place to access graves for winter burials. Its suggested that this flat rate be replaced with charge based on cost recovery for this service. Winter Burial – Full Internment (December 1st to March 31st) Traditionally the Township has levied a surcharge for winter burials. In 2016 this charge for full internments was $800 on top of the standard internment charge. It is recommended that the winter burial charge be adjusted and that the new charge be based strictly on cost recovery for the extra costs that is levied against the Township for this service. Winter Burial – Cremated Remains (December 1st to March 31st) As with full internments the Township has also levied a surcharge in the past for winter burials of cremated remains. In 2016 that charge was $100. It is recommended that winter burials for cremated remains also be based on cost recovery for the extra costs that is levied against the Township for this service. Park Benches It is recommended that the charge for memorial benches within the Township cemeteries be equal to the charge for memorial benches located in Township parks. Attachments:

User Fees and Charges – Schedule A to I Respectfully submitted by: Denise Krug Director of Finance/Treasurer


Agenda Item



Subject: Reserve and Reserve Funds Council Meeting Date: December 7, 2016

Report #: TR-16-11

Recommendation:


Background:

This report is to provide Council with information in regards to the Reserves and Reserve Funds held by the Township, up to the current date as well as a future forecast.

Reserves and Reserve Funds fulfil critical financial needs for the Township, including:

- making provisions for the replacement / rehabilitation of existing Township assets; - providing for future liabilities; - supplying a source of contingency funding for one time and unforeseeable events; and - offering flexibility to manage debt levels and protecting the Township’s financial position.

Reserves are an allocation of revenues set aside at the discretion of Council to provide for future expenditure requirements such as working funds, contingencies, equipment replacement or other municipal need. They are created by provision in the budget or by transferring unexpected or surplus funds via Council resolution.

Reserve Funds are established by By-Law and are restricted to meet a specific purpose. Obligatory Reserve Funds are mandatory reserves created by statute such as Development Charges and Gas Tax Funding. They are created through transfers from Federal or Provincial governments or collected as a charge on development.


Back to Agenda List 9.c.iii

Report TR-15-08 - 2 -

The report presented to Council indicates the 2016 reserve amounts budgeted, the current balances and the projected year end balances. There are explanations as to why some balances are higher or lower than expected. Some capital projects were not completed in 2016 and will be carried forward to 2017; therefore, increasing the contributions from Reserves for 2017.

Financial Considerations: N/A

Attachments:

2016 Reserve & Reserve Funds Respectfully submitted by: Denise Krug Director of Finance/Treasurer


Agenda Item

To: Members of Council From: Rodger Mordue, CAO/Clerk

Reviewed By: N/A Date: November 30, 2016

Subject: Charitable Donation Policy and Partnership Agreement

Council Meeting Date: December 7, 2016

Report #: CAO-16-41

Recommendation:


That the Charitable Donation Policy as presented be approved; and,

That the Mayor and Clerk be authorized to sign the Community Partnership Agreement with the Princeton Park Legacy Committee.

Background:

At the July 6, 2016 meeting of Council staff brought forward a Community Partnership for Municipal Assets Policy. The intent of the policy is to ensure that the lines of communication are open between Council, staff and the fundraising organizations so that each group is aware of everyone’s role at the outset of capital projects.


Staff set out to develop partnership agreements with organizations who are currently fundraising for various projects around the Township. Early on while working on these partnership agreements it became clear that in addition to these agreements there needs to be a policy in place on how charitable donations are received and when Official Tax Receipts can be issued by the municipality.

The Federal Income Tax Act contains provisions that grants Canadian municipalities the authority to issue official income tax receipts without being registered as a charitable organization. The regulations and policy at the Canada Revenue Agency is very prescriptive in what can be considered a “gift” and how it is to be receipted. For this reason it is very important to have a policy in place that not only states what type of gifts can be receipted but also the process that staff needs to follow when issuing income tax receipts.

Back to Agenda List 9.d.i

The attached Charitable Donation Policy has been drafted and is presented for Council’s consideration. It details what can be considered a gift and how eligible donations will be receipted by the municipality.

Also attached is a Community Partnership Agreement with the Princeton Park Legacy Committee. This agreement has been worked on and refined over the past three months through consultation with the Committee. It details the relationship between the Committee and the Municipality and what each partner can expect from each other.


The municipality has the power to issue income tax receipts. This is a powerful tool in helping the Township acquire funds through donations. It is important that the municipality follow procedures to ensure that federal income tax rules are followed and the municipality retains this right to issue receipts.

Funds are being raised by the Princeton Park Legacy Committee for features in the Princeton Park. The partnership agreement is an important communication tool that spells out the roles and responsibilities of each group. By building this partnership each group is able to stay well informed on the progress and success of the project.

Attachments:

- Charitable Donation Policy - Partnership Agreement with the Princeton Park Legacy Committee Respectfully submitted by: Rodger Mordue CAO/Clerk

PURPOSE: To establish the regulations and procedures that will be followed when accepting charitable donations and issuing Official Tax Receipts. PROCEDURE: 1. This policy governs the Township’s action with respect to charitable donations and issuing Official Tax Receipts. In addition, operational procedures are included to assist staff with processing donations and issuing receipts. 2. The Federal Income Tax Act contains provisions that allow Canadian municipalities the authority to issue official income tax receipts without being registered as a charitable organizations. For clarification and information on charitable organizations, what is considered a gift and any other matter regarding the rules surrounding the issuance of income tax receipts reference should be made to the Canada Revenue Agency (CRA). A Gift must be given freely and not the result of a contractual or other obligation. A Gift must be a transfer of property.

• Only Gifts of property are eligible for official donation receipts. (i.e. cash, equipment, land, etc.) • Gifts of service and promise of service are not gifts of property and are not eligible for an official donation

receipt. (There are special situations where a receipt can be issued – see below) • Gift certificates donated by the issuer of the certificate are not considered property and are only eligible for

official donation receipts under specific circumstances. See guideline 7 below. However a gift certificate purchased and then donated does constitute property and may be receipted.

• Pledges do not constitute a transfer of property until they are fulfilled and as such are not eligible for an official donation receipt. Transactions that do not qualify as gifts include:

• A court ordered transfer of property to a qualified done; • The payment of a basic fee for admission to an event or program; • The payment of membership fees that convey the right to attend events, receive literature, receive services, or

be eligible for entitlements of any material value that exceeds 80% of the value of the payment. • A payment for a lottery ticket or other chance to win a prize. • The purchase of goods or services from a charity. • A donation for which the fair market value cannot be determined.

Policies and Procedures The Corporation of the Township of Blandford-Blenheim

Department:

Effective: September 21, 2016 Subject: Charitable Donation Policy Policy

Number:

Approved by:

Resolution Number: Date of Review:

Review Number:

Change: Reference Section:

• Donations provided in exchange for advertising/sponsorship. • Gifts of services (for example, donated time, labour, etc.). • Gift certificates donated by the issuer (may qualify under specific circumstances as indicated in section 7 below). • Pledges. • Loans of property. • Use of a timeshare. • The lease of premises.

3. The Township will issue official tax receipts for donations that conform to the provisions of the Income Tax Act. 4. Donations may be made for a wide variety of purposes. Examples include but are not limited to:

• Municipal Building/Construction Projects • Fire Department Equipment • Recreation & Playground Equipment • Park Expansion and related appurtenances • Trees • Landscaping • Other purposes beneficial to the Community

5. Purposes that, in the opinion of the CAO/Clerk, are not consistent with the Township’s current programs and service levels will require Council approval before a donation is accepted and an Official Tax Receipt is issued. The Township has exclusive control over whether or not to accept a donation. Generally, donations that are consistent with current programs and maintain or enhance an existing level of service would be considered eligible. Donations that increase or add a new service to the Township’s operation will require Council approval. 6. Donations may be in the form of monetary donations, property or equipment. Tax Receipts are issued based on the fair market value if the donation is property or equipment. 7. Official Tax Receipts cannot be issued directly for services. The Definition of a Gift does not include services. To donate services the following provisions shall apply:

a) The donor offers their services to the Township, which requires Township approval before any service is performed.

b) The donor submits an itemized invoice to the Township for the services rendered. c) The Invoice is reviewed for reasonableness and accuracy and approved for payment by the appropriate staff

member. d) The invoice must represent the fair market value of the service provided. e) The Township will then process a payment to the donor. f) The donor will then either provide a donation cheque equivalent in value to the invoice for the services

rendered or sign the cheque issued by the Township back over to the Township. g) Once all payments have cleared then the Township will process the donation and issue an Official Tax Receipt.

8. The Township will only issue Tax Receipts for donations greater than or equal to $20.00. 9. The Township will cooperate with other organizations when they are involved in fundraising for approved municipal projects. In order to make this arrangement transparent the organization may be required to enter into a Community Partnership for Municipal assets agreement. This agreement will spell out the roles and responsibilities of both parties and would be submitted to Township Council for approval. 10. The following operational procedures shall be used for processing donations:

a) Once all payments have cleared (if applicable) then the Township will process the donation and issue an Official Tax Receipt within 30 days.

b) The Official Receipt will be made out as per the name on the cheque. If there is no name the Receipt shall be made out as specified by the donor.

c) The Township will maintain accurate records of Charitable Donations broken down by purpose. Donor information may be made available as required for Memorial Donations or other specific donation activities.

d) Replacement Official Tax receipts can be issued if requested by the donor. Replacement receipts shall be marked as such.

11. The CAO/Clerk shall be responsible for the implementation and ongoing maintenance of this policy. The CAO/Clerk is authorized to make administrative and operational amendments to this policy without the need for Council approval. 12. Fire Department Vehicle Donations:

• Vehicles can be donated to the Fire Department, subject to the approval of the Fire Chief. • The Ownership for the vehicle must be dated and signed when donating a vehicle. • Unless the donor provides documentation to the contrary, the value of the donated vehicle shall be $100.00.

13. Policies and Regulations around Gifting and Receipting made by Revenue Canada prevail regardless of what this policy states.

1

COMMUNITY PARTNERSHIP AGREEMENT THIS AGREEMENT effective as of _______________________, 2016 BETWEEN:

The Corporation of the Township of Blandford-Blenheim “The Municipality”

- and -

The Princeton Park Legacy Committee “The Committee”

Contact: The Committee identifies Peggy Crosby, Co-Chair of The Princeton Park Legacy Committee as the person(s) to be contacted with respect to this agreement. All communication to the Municipality regarding this agreement will be directed to the Chief Administrative Officer / Clerk. Services and Requirements: The Committee is working to raise funds for the purchase of appurtenances for the municipal park in Princeton. Under this agreement the Committee will work with the Municipality to provide funding for the purchase of items to complete the initiatives listed below:

1. Trees and natural plantings 2. Benches 3. Fitness equipment 4. Central gathering space donor recognition area 5. Wetland area natural beautification items 6. Storage building 7. Gazebo

Future items could be added to the above list by amending this agreement. The Committee will submit all donations received to the Municipality along with a listing detailing who the donation is from, the donor’s contact information, amount of the donation and the park feature they wish the donation to be allocated to. The Municipality will advise the Committee when donations are received for the project directly from a donor. This will enable the Committee the opportunity to acknowledge the donation.

2

For those donations which are received and allocated to no specific project feature the Committee and the Municipality jointly shall decide where the funds should be directed in order to best complete the initiatives listed above. The Municipality will review the donation and issue receipts based on the Township’s Charitable Donation Policy. The Municipality will provide a level of administrative support to the Committee including, but not limited to, small batch mailing and small batch photocopying. The private sector will be encouraged to bid on contract jobs where warranted in order that the project may benefit from their specific skill and expertise. The Committee and the Municipality will consult with one another when researching and applying for various grants that may be available to help fund the project. Signage: The Committee, at its sole cost and expense, shall be responsible for all project specific signage located on Princeton Park property related to the fundraising activities. Any signage installed by the Committee requires approval by the Municipality and shall be maintained by the Committee for the term of the fundraising activities. The Committee shall arrange with the Municipality a mutually acceptable time for installation. Term: This Agreement shall come into force on approval and shall continue in force until either of the Parties gives thirty (30) days’ notice in writing of their desire to cancel or amend the Agreement.

Entire Agreement: This shall form the whole agreement between the parties. IN WITNESS WHEREOF the parties have duly executed this Agreement this _____ day of ________________, 2016.

3

On behalf of the Municipality:

THE CORPORATION OF the Township of Blandford-Blenheim

Per: _________________________ Name: Marion Wearn Title: Mayor Per: _________________________ Name: Rodger Mordue Title: CAO/Clerk

On behalf of the Committee:

PRINCETON PARK LEGACY COMMITTEE

Per: _________________________ Name: Peggy Crosby Title: Co-Chair


Agenda Item

To: Members of Council From: Rodger Mordue, CAO/Clerk

Reviewed By: N/A Date: November 21, 2016

Subject: Animal Control Service Council Meeting Date: December 7, 2016

Report #: CAO-16-53

Recommendation:


That Council authorize the mayor and Clerk to execute an agreement with Hillside Kennels Animal Control Ltd. For the provision animal control services for the Township of Blandford-Blenheim for the calendar years 2017 and 2018.

Background:

Hillside Kennels have been providing canine and animal control services for the municipality since 1997. The current 2 year contract with them expires on December 31, 2016. Hillside also provides this service to all municipalities in the County of Oxford with the exception of Zorra Township as well as to the neighboring County of Brant and the Township of North Dumfries.


The Township’s agreement with Hillside Kennels for animal control services expires on December 31, 2016. The services covered in the agreement proposed are the same as what has been covered by Hillside in the past, that being as the Township’s canine control officer, pounds keeper and the provision of general animal control services as needed.

The proposal submitted by Hillside shows a slight increase in costs over the expiring agreement. The minimum monthly charge has increased from $650.00 to $700.00. Also, the euthanasia charge per animal has been increased from $25.00 to $30.00 and the call out charge has increased from $115.00 to $120.00. All other charges remain the same.

For the past 2 agreements Hillside has included 10% fuel surcharge that’s added to the bill when the average price of gasoline at the pumps is $1.00/litre or more per month. It takes staff time to research and track this cost so a request was made to have this fee eliminated from the

Back to Agenda List 9.d.ii

bill. Hillside has offered to eliminate the surcharge and in exchange the minimum monthly charge would be increased from the proposed $700 to $750. To determine the financial impact of this staff has review the 2016 bills to compare costs with the surcharge and without the surcharge:

Monthly bills in 2016 that did not reach the minimum retainer 3

Additional cost per month for retainer $50

Total extra retainer cost $150

Months in 2016 fuel surcharge was in place 2

Minimum surcharge cost (at 10% of retainer) $75

Total savings if surcharge is eliminated $150

Based on 2016 invoices the costs would have been the same. Going forward with the new agreement staff would recommend that the surcharge be eliminated and that the increased retainer be agreed to. This would eliminate the need for staff time tracking fuel prices as well as protect the Township when fuel prices eventually climb above the $1.00/litre mark.

The Township has utilized the services of Hillside form time to time for dog licensing and by-law enforcement issues related to dogs as well as for dealing with other types of animals (i.e. raccoons). Hillside is also called upon by other agencies such as the OPP and the Board of health when animals need to be picked up and quarantined. Staff has been satisfied with the services provided by Hillside.


The rates proposed from Hillside are for the two year term of 2017/2018 and would translate into approximately 3.75% increase over the 2016 cost.

Attachments:

- Draft Agreement Respectfully submitted by: Rodger Mordue CAO/Clerk

Dated this 7th day of December, 2016

A G R E E M E N T

IN THIS AGREEMENT: BETWEEN: THE CORPORATON OF THE TOWNSHIP OF BLANDFORD- BLENHEIM, a Municipal Corporation within the County of Oxford, hereinafter called the “TOWNSHIP”. OF THE FIRST PART AND: HILLSIDE KENNELS ANIMAL CONTROL LTD. hereinafter called

the “CONTRACTOR”. OF THE SECOND PART

WHEREAS both parties hereto are desirous of entering into an agreement to provide for the service of Animal Control Officer and Poundkeeper for the Township of Blandford-Blenheim (Township):

NOW THEREFORE the parties hereto agree as follows: Pound Facilities 1. The Contractor agrees to provide and maintain a pound facility to be located at R.R.

#2, Innerkip, Ontario, being 786007 Township Road 6, to serve the Township, such facility to be kept in good order and state of cleanliness at all times in accordance with the “Animals for Research Act”, Revised Statutes of Ontario, 1990, Chapters 22 & 23 and its’ Regulations. The facility will include an indoor and outdoor run area as well as holding cages.

2. Such pound facility will be served by staff of the Contractor who will ensure that all animals impounded will be kept clean, well cared for and fed during the time of

confinement. 3. All sick or injured animals will immediately receive medical attention by veterinary staff.

If, in opinion of the medical staff, any animal is too severely injured or diseased and medical care will only prolong the suffering of the animal, the animal shall be humanely euthanized and properly disposed. Every attempt will be made by the Contractor to contact the owner of any such animal before such action is taken. 4. The Contractor shall keep records of all animals impounded and their disposition

which shall be submitted to the Township at the end of each month. 5. All animals impounded shall be kept for a minimum of four days, holidays excluded, or

longer at the discretion of the Contractor. Staff will attempt to contact the owner of any animal as quickly as possible. If the Contractor is required by law to quarantine an animal for a specified period, the Township will pay the additional boarding fees for the quarantine period unless the owner redeems the animal in which case the owner shall be responsible for additional boarding fees.

6. The Contractor shall ensure that the pound facility will be open to the public during the regular office hours Monday to Friday, 8:00 A.M. until 5:00 P.M. and Saturday 8:00 A.M. until 12:00 Noon for animal redemption.

7. The Contractor agrees to respond to all requests for pick-up of confined dogs during the hours of 8:00 A.M. to 8:00 P.M. every day of the year for:

7.1 Calls coming from a Township employee or members of Council. Calls for pick-up shall be for confined dogs only.

7.2 Calls for pick-up coming from the Woodstock Police Service and/or Ontario Provincial Police (O.P.P.) 7.3 Calls from resident public. Calls for pick-up shall be for confined dogs only.

7.4 Calls dealing with a vicious dog. 7.5 The Contractor may at their discretion pick-up any dog found running at large on all municipal or school properties in the municipality.

The term “confined” shall mean “kept or restricted within certain limits” such as but not limited to the animal being kept or restricted to the interior of a garage or fenced in area.

8. The Contractor shall charge such fees to animal owners as are deemed necessary to cover the cost of pick-up, boarding and any veterinary services if applicable of

impounded animals. The Contractor will reduce the account to the Township by the amount of fees recovered from animal owners to a maximum of pick up costs, the cost of three (3) days boarding or, in the case of a quarantine period required by law, the additional boarding fees and veterinary services, if applicable.

9. The Contractor agrees that any dog(s) impounded that do not have a current year dog

tag shall not be released to the owner or other person until a proper tag is purchased. The Township shall provide the Contractor with a supply of current year dog tags and a schedule of fees. It shall be the responsibility of the Contractor to sell the tags and remit all monies and records of the tags sold, by the 15th day of each month. The Township agrees to provide to the Contractor a list of tags purchased and relevant Township By-laws.

10. Any animal not claimed by the owner shall become the property of the pound and may be adopted, or disposed of according to the Ministry of Agriculture Food and Rural Affairs and Regulations governing Pounds and Animal Control Facilities, Chapter A. 22 & 23 of the Animals for Research Act.

11. The Contractor agrees to provide public relation services during regular office hours and provide the public with information relating to animal control.

Animal Control Service 1. The Contractor agrees to provide the service of Animal Control Officer within the

Township and agrees to pick up stray dogs. Requests to pick up other animals such as cats, raccoons, skunks, opossum, etc. shall not be part of this agreement. The Township will refer people requesting other animal control to the Contractor when requested.

2. The Contractor agrees to provide a vehicle suitably equipped to pick up such stray animals. Said vehicle shall have the wording “Animal Control.” The vehicle shall be maintained in a safe and clean condition.

3. The Contractor agrees that said vehicle will be available to pick up such stray animals within the Township on a 24 hour per day basis.

4. It is expressly understood that at no time shall the said vehicle become the property of the Township, and that responsibility for its operation, fuel, maintenance, licence and insurance rests solely with the Contractor. The Contractor agrees to indemnify and save the Township harmless from any and all claims out of or in connection with use of the vehicle.

5. The vehicle or its driver shall be equipped with a paging device to allow communications with the vehicle.

6. The Contractor agrees to carry out patrols if requested by the Township. The

Contractor will within reason answer all telephone complaints as quickly as possible.

7. The Contractor will ensure that the driver or drivers of the vehicle are adequately trained in the capture and confinement of stray animals.

Amendments or Additions: Fees 1. In return for animal control and pound facility services the Township agrees to pay the Contractor upon submission of monthly reports and invoices, fees according to the following schedule: (Fees plus applicable taxes)

Call Out: Canine, Sick & Injured Wildlife and Cats $120.00

Boarding: Maximum of 3 days, except quarantine, per day $ 25.00

Veterinary administered Euthanasia, per animal $ 30.00

Disposal by Cremation, per animal: Dogs $ 60.00; Cats & Small Wildlife $ 40.00

Rate to provide patrol or by-law enforcement per hour (Min. 2 hours) $ 40.00

Mileage at $0.50 per kilometer for patrol or by-law enforcement If the individual charges listed above do not total $750.00 in any given month, the Contractor shall invoice a minimum charge of $750.00 for that particular month.

2. It is understood by the parties hereto that there will be no adjustment in fees paid by

the Township during the full term of this agreement. General 1. This agreement shall be in effect from January 1st, 2017 to December 31st, 2018 unless

terminated earlier. Either party may terminate this agreement by giving written notice to the other party by registered mail at least 90 days before the intended date of termination. Termination of this agreement shall be of condition of violation or of mutual consent.

2. The Contractor shall maintain and pay for Comprehensive Liability Insurance, coverage for all operations as poundkeeper and Animal Control Officer. This insurance coverage shall be subject to limits of not less than three (3) million dollars inclusive per occurrence for third party Bodily Injury and Property Damage.

The coverage shall include the Township of Blandford-Blenheim (Township) as an additional insured in respect of all operations performed by or on behalf of the Contractor. The coverage shall not be altered, cancelled or allowed to expire or lapse without thirty (30) days prior to written notice to the Township. A certificate of such insurance shall be filed with the Township upon signing of the contract and annually thereafter. The Contractor agrees to fulfill all of its obligations in compliance with the Occupational Health and Safety Act and further agrees to take responsibility for any health and safety violation that may occur. Furthermore, if the municipality (or any of its Council members or employees) shall be made a party to any charge under the Occupational Health and Safety Act in relation to any violation of the said Act arising out of the operations of the Contractor. The Contractor shall indemnify and save harmless the Township from any and all charges, fines, penalties, and costs that may be incurred or paid by the Township.

This agreement cannot be assigned without the written consent of the other party and shall enure to the benefit of both parties, their executors, heirs and assigns. All services carried out hereunder by the Contractor shall be as an independent contractor and not as an employee of the Township. IN WITNESS WHEREOF this agreement was executed by The Township of Blandford-Blenheim and Hillside Kennels Animal Control Ltd. as of , 2016. HILLSIDE KENNELS ANIMALCONTROL LTD. ___________________________ Tracey Gibson ______________________ Witness ___________________________ Madeleine Riddell THE CORPORATION OF THE TOWNSHIP OF BLANDFORD-BLENHEIM Marion Wearn, Mayor Rodger Mordue, CAO/Clerk

THE CORPORATION OF THE


BY-LAW NUMBER 1995 -2016

Being a By-law to amend By-law Number 506-83, as amended, being a By-law to appoint certain municipal officials.

WHEREAS Section 8 of the Municipal Act, S.O. 2001, Chapter 25, and amendments thereto, provides that the power to a municipality shall be interpreted broadly so as to confer broad authority on the municipality to govern its affairs as it considers appropriate.

AND WHEREAS Section 286(2) of the Municipal Act, S.O. 2001, Chapter 25, and amendments thereto, provides that a municipality may appoint a Deputy Treasurer who has all the powers and duties of the Treasurer under this and any other Act.

AND WHEREAS the Municipal Council of the Corporation of the Township of Blandford-Blenheim deems it advisable to further amend By-law Number 506-83, as amended, and to repeal By-law Number 1927-2015 to reflect the changes in personnel with this municipal appointment.

NOW THEREFORE the Council of The Corporation of the Township of Blandford-Blenheim enacts as follows:

1. That Section 3 of By-law Number 506-83, as amended, is hereby deletedand the following section substituted.

1.1 “Section 3” That Katherine Koski is hereby appointed as the DeputyTreasurer/Collector for the municipality.

2. That By-law 1927-2015, enacted the 16th day of September, 2015, is herebyrepealed.

3. The provisions of this By-law shall take full force and effect onNovember 1, 2016.

By-law READ a FIRST and SECOND time this 7th day of December, 2016.

By-law READ a THIRD time and ENACTED in Open Council this 7th day of December, 2016.

Marion Wearn, Mayor

Rodger Mordue, CAO/Clerk

Back to Agenda List 15.a

THE CORPORATION OF THE


BY-LAW NUMBER 1996-2016

Being a By-law to confirm the proceedings of Council.

WHEREAS by Section 5 of the Municipal Act 2001, S.O. 2001, c.25, the powers of a municipal corporation are to be exercised by its Council.

AND WHEREAS by Section 11 of the Municipal Act 2001, S.O. 2001, c.25, the powers of every Council are to be exercised by by-law;

AND WHEREAS it is deemed expedient that the proceedings of the Council of the Corporation of the Township of Blandford-Blenheim at this meeting be confirmed and adopted by by-law;

NOW THEREFORE the Council of the Corporation of the Township of Blandford-Blenheim hereby enacts as follows:

1. That the actions of the Council of the Corporation of the Township of Blandford-Blenheim in respect of each recommendation contained in the reports of theCommittees and each motion and resolution passed and other action taken by theCouncil of the Corporation of the Township of Blandford-Blenheim, at this meetingheld on December 7, 2016 is hereby adopted and confirmed as if all suchproceedings were expressly embodied in this by-law.

2. That the Mayor and proper officials of the Corporation of the Township ofBlandford-Blenheim are hereby authorized and directed to do all things necessaryto give effect to the actions of the Council referred to in the proceeding sectionhereof.

3. That the Mayor and the CAO / Clerk be authorized and directed to execute alldocuments in that behalf and to affix thereto the seal of the Corporation of theTownship of Blandford-Blenheim.

By-law read a first and second time this 7th day of December, 2016.

By-law read a third time and finally passed this 7th day of December, 2016.

MAYOR CAO / CLERK MARION WEARN RODGER MORDUE

Back to Agenda List 15.b

TOWNSHIP OF BLANDFORD-BLENHEIM COUNCIL MEETING … · 2016. 12. 2. · Wednesday December 7, 2016...

Documents

Transcript of TOWNSHIP OF BLANDFORD-BLENHEIM COUNCIL MEETING … · 2016. 12. 2. · Wednesday December 7, 2016...