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Page 8, News, Tuesday, July 7, 1992 Insuring your tools is tod by Mike Beno Personal tools used around your home are insured under your personal property policy. The perils that apply to your regular household contents also apply to your tools, as does the deductible in the event of a loss. Your personal property poli- cy will also insure tools while temporarily removed from your residence. However, if you take your tools to the cot- tage, chalet or country home and leave them there for the season, it would be wise to have a sufficient limit insured on the contents for that loca- tion. If you do plan to take tools to your summer residence, make sure you consider the perils of vandalism and theft that apply to this seasonal loca- tion. You may not be able to WE'RE HERE TO HELP If you have questions about any of your insurance coverages or policies, please give us a call. e DONALD G. BENO (807) 824-2666 Your Isurance Broker Understands _ INSURANCE BROKERS LTD. We're Proud to be Members of the Insurance Brokers Association of Ontario a INSURANCE BROKERS ASSOCIATION ONTARIO obtain replacement cost cover- age on the tools at your season- al residence. It's wise to check with your insurance broker to see if your policy covers loss or damage to tools that have been lent. If you do lend tools and a loss occurs, your policy may not cover this situation, since the equipment is off your premises and may not qualify as "tem- porarily removed". However, loss or damage in such cases is sometimes COv- ered under the other person's property policy. Please check 'with your broker to see that your coverage is complete. Tools used for commercial purposes on your premises are treated differently. Personal property policies in most cases impose a limit on "tools, books and instruments pertaining to a business, pro- fession or occupation". Township of Schreiber This limit can range from $1,000 to $2,500. Tools not used for earning income would be covered under the contents section of your property policy. Keep in mind that good quality tools can quickly add up to an amount exceeding the limit on your policy. Expensive commercial tools should be insured on a person- al tool floater on your personal policy. You should keep a detailed record of all your tools, including where they were purchased, how much they cost, the manufacturer, serial number, etc. Other information, includ- ing the type of tools you have, their value, storage location, anti-theft devices and addition- al details, should also be recorded. Commercial tools insured under a "floater" have the added benefit of being insured ay's smart move no matter where they are stored. If your tools are used for your full time occupation, your commercial policy should also include tool floater coverage. - When using your tools while working for someone else, never assume your employer will automatically insure your equipment. Always check before beginning work. Tool theft from vehicles is very common. As a result, insurers have a locked vehicle warranty clause in the tool floater. This means that cover- age will be paid only when it's proven that the tools were con- tained in a fully enclosed and secure compartment, and there are signs of forced entry If you take your employer's tools home, your personal property policy will provide coverage up to a limit stated in your policy. Funding cut back "like Description of Land(s) Parcel 24 - 1 Section 55D - 111 Galena Street Township of Schreiber Lot 4 Plan 55D - 110 Parcel 4 - 1 Thunder Bay Freehold Township of Schreiber Lot 7 Plan 55D - 110 Parcel 7 - 1 Thunder Bay Freehold Township of Schreiber Parcel 8048 Lot 12 Plan M-9 Township of Schreiber purchasers. Sale of Land By Public Tender The CORPORATION OF THE TOWNSHIP OF SCHREIBER Take Notice that tenders are invited for the purchase of the land(s) time on July 15, 1992 at Township of Schreiber. The tenders will then be opened in public on the same day at the Township of Schreiber at 4:00 p.m., 608 Winnipeg Street. . DISTRICT OF THUNDER BAY DISTRICT OF THUNDER BAY DISTRICT OF THUNDER BAY THUNDER BAY FREEHOLD DISTRICT OF THUNDER BAY Tenders must be submitted in the prescribed form and must be accompanied by a deposit in the form of a money order or of a bank draft or cheque certified by a bank, trust company or Province of Ontario Saving; Office payable to the municipality (or board) and representing at least 20 per cent of the tender amount. The municipality makes no representation regarding the title to or any other matters relating to the land to be sold. Responsibility for ascertaining these matters rests with the potential This sale is governed by the Municipal Tax Sales Act, 1984, being chapter 48 of the Statutes of Ontario 1984 and the Municipal Tax Sales Rules made under that Act. purchaser will be required to pay the amount tendered plus accumulated taxes and the relevant land transfer tax. For further information regarding this sale and a copy of the prescribed form of tender contact: Clerk-Treasurer TOWNSHIP OF SCHREIBER P.O. Box 40, 608 Winnipeg Street Schreiber, ON Schreibe | Form 7 Municipal Tax Sales Act, 1984 described below and will be received until 3:00 p.m. local Minimum Tender Amount (Set out the cancellation price as of the first day of advertising) $2,500.00 $4,100.00 $3,000.00 $2,700.00 The successful never before" at MNDM continued from page 3 into a facility." A maximum of $265,000 in grant money is available under the program, and the split is two-thirds of the cost for the ministry, one third for the municipality. : "Across northwestern Ontario, we've probably been involved with 14 medical/dental centres over the past 8-10 years," says Heikkenen. "We usually look at doing one to two a year, depending on how much funding is available." Aside from Schreiber, two funding applications are cur- rently being processed. The longest it has taken a community to receive fund- ing under the program is the three years it took Longlac to get their centre built. "But they also requested funding from the Ministry of Health as well, under the Community Health Centre (CHC) program," she says. "And they have different criteria than we do. So Longlac had to do quite an extensive community study that took better than a year." The quickest project to receive funding was in Atikokan, who applied for renovation funding of their existing building last Decem- ber and completed work on the building June 5. backet. "Thank you te Mary, Rose, Gillie Goe, rertene, Joan for the pope & munchier Wileor for the can of chocolate. "Thank cushion ta st on TENDERS Tenders are invited for painting the New Legion Hall. Main body including the ceiling. Also includ- ing 2 bathrooms, a kitchen and the hallway. Sealed tenders will be received until 3 p.m. on July 17th, 1992. The building will be opened for inspection on July 15th, 16th and 17th, 1992. ROYAL CANADIAN LEGION, BRANCH 109 BOX 61 SCHREIBER, ONTARIO POT 2S0