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he
new mutual's start-up costs were burdensome. At the end
of the first year, the company's surplus was a meagre
$5.96. For the next couple of years, despite an increase
in the number of policyholders, losses remained high. The
steam tractors, used to power the wooden threshers,
continued to shower sparks out of their straw-fired
boilers, burning up machines and crops at a rapid pace.
At the end of the century, the company diversified its
coverage. This now extended to other farm equipment, farm
buildings, schools, and churches. In a far-sighted
decision, operations were also expanded into what would
soon become the new provinces of Saskatchewan and
Alberta. |
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Wawanesa
gave female staffers time off in 1916 to stook
sheaves. The First World War meant a manpower
shortage and the rationing of materials that
might be used in the war effort. Much of the
backbreaking farm work was done by women without
the benefit of farm machinery.

Recognizing
the benefits of fitness, Alonzo Kempton let staff
off work early on the condition that they take a
brisk walk. This group of employees poses for a
photo at the halfway point of their trek. |
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Home of the wild goose; crooked
river; the whippoorwill; no one
is certain what the Indian name
Wawanesa means, but each
description aptly pictures the
scenic area perched on the bank
of Manitoba's Souris River, where
the village of Wawanesa was
established in 1889.
Wawanesa quickly emerged as a
service centre with the new
mutual insurance company as the
area's largest employer. The
pioneer values of the hamlet were
transmitted, through the work
force, to the company. The values
of thrift, fairness, and hard
work have been carried on as a
corporate ethic to this day. A
century later, the company's head
office is still in Wawanesa,
where the annual meeting is held
each May.
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By 1900, Wawanesa
was protecting more than $1 million worth of property.
The largest claim paid that year was $1,000; the smallest
was $3. A year later, the firm moved out of its tiny
premises above the drugstore to a new building
overlooking the beautiful Souris River valley. The
Mutual, as locals referred to the company, soon had a
staff of five, including a salesman who traveled the
Prairies.
Meanwhile, the directors continued to take an active role
in running the company. The directors' farm roots were
manifested in displays of sympathy to policyholders. For
example, in 1900, a local farmer claimed his old barn had
been severely damaged in a windstorm. The directors rode
out in their buggies to the site and examined the
building. It was clear to them that the barn was in the
same bad shape that it had been before the storm.
Nonetheless, they awarded the farmer an iron rod to bolt
through the walls and hold the structure up a little
longer.
The company also set up an innovative system of honorary
directors. Scattered around the countryside, they kept an
eye out for new business, and for suspicious claims. They
weren't paid, but as policyholders in a mutual it was in
their interest that the company grow, and that it not be
defrauded.
Westerners responded enthusiastically to the company's
promise of lower costs and fair dealings. By 1907, the
value of property insured by Wawanesa had jumped to $20
million. Three years later, Wawanesa boldly claimed to be
"the largest Mutual Fire Insurance Company in
Canada."
Growth was steady throughout the years of the First World
War, and the company was well-positioned by the end of
the conflict. Shortly after the war, Wawanesa underwent a
change in leadership. Alonzo Kempton had been the
venturesome entrepreneur that the new enterprise needed
in its early years.
He had turned the Mutual into an industry leader, but it
was now time for the reins of Wawanesa to be handed over
to a different kind of person, to face a different set of
challenges.
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