- January 14, 2022
- Posted by: humanitarianweb
- Category: Humanitarian Jobs
For the Cordaid Country office in Afghanistan, Cordaid is looking for a Operations Director
Cordaid Afghanistan
Cordaid has been active in Afghanistan since 2001. It has a Country Office in Kabul and networks of field staff and local partners overseeing implementation of projects in Balkh, Kunduz, Faryab, Herat, Daikundi, Uruzgan, Bamyan, Parwan, Kabul, Nangrhar, Paktia, Kandahar, Helmand, Laghman and Badakhshan. Cordaid’s program in Afghanistan provides healthcare services, tackles the problems of gender – based violence and provide support for women to improve their leadership skills, access to justice, lobby and advocate for their rights and participate in peace and decision – making processes, and addresses agriculture production, food security and economic opportunity issues.
Cordaid in Afghanistan joins hand with a number of ministries, government institutions, Local and International Organizations, civil society groups, alliances and networks, etc. for wider reach, efficiency, cost effectiveness and sustainability. Main donors of Cordaid program in Afghanistan are the Dutch Ministry of Foreign Affairs, the European Union, the Afghan Ministry of Public Health and others. The budget for 2021 is around -10 million euros. At this moment Cordaid is building the capacities of the offices to increase the responsibilities the country offices in the management of the programs and projects.
Job Title: Operations Director (Deputy Country Director)
Organizational Unit: Country Office Afghanistan (CAF)
Job’s aim: Is responsible for providing administrative, financial and operations support towards the organisation’s operation activities, strategic plans and goals
Aim of the Organizational Unit: Is responsible for proving leadership and ensure effective implementation of the relevant aspects of the country operations through sound standards and in compliance with the Cordaid procedures. Has the overall technical supervisory role of the service support activities and deliverables.
Particularities: Acts as a legal representative of Cordaid, along with the CD and within the scope of delegated powers. In absence of CD, acts as Acting CD.
Supervisor: Country Director, CAF
Supervises: HR Manager, Finance Manager, Admin/Logistics/ICT Manager and Procurement/Supply Chain Coordinator
Result area
1. Personnel management
- Leads the multidisciplinary operation team on a day-to-day basis in accordance with the management style of Cordaid, focused on productivity, the professional development of staff and employee satisfaction.
- Coaches staff and leaves room for professional freedom to determine how to execute the work. Builds on the strengths and talents of staff members to improve team performance.
- Emphasis teamwork, project-based working and commitment.
- Ensures efficient use of resources and controls quality of work.
- Provide technical advice and operational guidance on innovative approaches to project financing, risk assessment/mitigation and use of financing structures.
2. Operations Management and Service Delivery Coordination
- Manages the operational aspects of CO, adjusting administrative processes in a way that secures donor funding, auditability, timeliness, reliability of service delivery and information, and assures an optimal cost allocation within the country office through ensuring effective coordination between projects and support operations.
- Implement and enforce effective support operating manuals, systems and procedures and ensure they are in line with Cordaid standards and the Afghanistan Country laws and changing context.
- Drives the organization change through participation in external engagements and representing Cordaid in inter-agency meetings and working groups on operations issues to ensure Cordaid’ s interests are reflected in common system activities related to common services and premises, cost recovery and cost-sharing arrangements, privileges and immunities, entitlements and salary surveys.
- Manages and monitors all administrative, organisation registration and legal-related systems/requirements are updated and to ensure compliance with country law and legislation. Keeps abreast of legislative issues and major donors’ regulations and audit methodology. Ensures organisation registration and statutory requirement compliance.
- Monitors and supervises all aspects of operations to ensure compliance with organization strategies, rules, regulations, policies, and standards of accountability, ethics and integrity and achievement of results.
3. Programme Support and Coordination
- Provides strategic operational support in large and complex partnerships and projects funds management. Ensures cost coverage of the CO and provides strategic management information. Identify bottlenecks in the budgets of the CO & the programme/projects and advice on financial improvements and ways to secure the costs and funds for sustainability of CO interventions.
- Supports the Programme team in project engagements, acceptance documents including participation in contract negotiations.
- Provides advice on goal setting, targets and performance standards for projects and recommend tools for auditing.
- Provides technical guidance on programme and project cost-sharing, deployment of funds and closure.
- Supports preparation and quality-assures programme documents, including Contracts, Agreements, LoAs, MoUs, and Cost-Sharing Agreements.
- Reviews donor compliance, including among partners and consortium members. Assesses the consequences of non-compliance and executes measures to reduce the impact for Cordaid.
4. Accountability
- Coordinate and manage the preparation and successful conclusion of internal and external audit activities. Identifies recurring systemic issues in audit reports and ensures the implementation of audit recommendations as progress to meet audit standards.
- Supports preparation and quality-assures legal documents.
- Leads due diligence reviews of Cordaid by the funding organisation.
- Identifies the organisation systems and procedures challenges and risks by analysing the current processes, including partner management. Proposes and executes the follow-up actions.**
5. Compliance
- Reviews the current processes and engages integrated methods to standardise the operational activities to ensure efficiency, effectiveness, and quality, in line with the Standard Cordaid Procedures.
- Conducts ad-hoc, confidential and/or direct internal investigations breaches in internal control and compliance issues including complaints submitted. Leads the follow-ups.
- Conducts field site visits to assess the level of compliance, identify gaps and non-coherence. Reports findings and ensures follow-up activities.
- Strengthens standardisation, adherence, and conformity to compliance by providing staff with the required technical support and guidance on the Cordaid safeguarding and integrity and other internal polices.
- Partners with GO units such as Legal, Quality Management, Operational Excellence, Internal Audit and Risk Management, to assess and ensure the effectiveness of control systems in driving compliance.
- Supports Partner Risk and Capacity Assessments and builds up local capacity for this. Leads on capacity building to mitigate risk and ensure compliance.
6. Others
- Contributes to the development of the Country Strategic Report and the Annual Country Report.
- Any other duties assigned by the line manager.**
Knowledge, Skills, and Experiences
- At least 5 years of experience in INGO supporting operational functions (previous experience working for Cordaid is a distinct advantage).
- Extensive knowledge of Cordaid internal standards, procedures, and operation systems (HR, Finance, Logistics and Procurement).
- Bachelor or master’s degree in International Business Management, Operations Management, Organisational Management, Risk Management, or any other relevant subject.
- In-depth understanding of management styles and partnerships, as well as an international collaboration with local partners.
- Knowledge of the legal framework that governs Cordaid’s operations, as required by the national/local government and by major donors (EU, UN, US, Bilateral Donors).
- Robust experience in developing and implementing organisational vision and strategies.
- Social skills to bridge cultural or other differences while managing a large international team (in severe circumstances).
- Proven ability to analyse and solve problems, persuade, network, and negotiate.
- Proven experience working in fragile environment with tight deadlines, effectively managing multiple priorities.
- Ability to work under pressure and with minimum supervision, be a self-starter, team builder, innovative and demonstrate the capacity for maintaining high professional standards.
- Good oral and written communication skills in English language.
- Experience in Afghanistan will be an advantage.
Specifics of station
The Operations Director will be based in Kabul. This is a non-accompanied posting.
Contract information
The contract period is for 1 year starting as soon as possible, with the intention to extend for a longer period. We offer a Cordaid contract with a competitive salary and a benefit package which includes R&R, a comprehensive insurance cover, social security and pension contribution, a holiday allowance, 13th month, hardship allowance and cost of living allowance (if applicable).
How to apply
Applications including a motivation letter and extensive CV in English, including the contact details of at least three professional references should be forwarded on attn. of Mr. Marten Treffers, before 31 Januari 2022.
Please note that we accept applications through our website only: https://www.cordaid.org/nl/wie-we-zijn/werken-bij-cordaid/international/?cd_job_id=216259
Cordaid is fully committed to a safe working environment and the highest integrity standards. To read more on our commitment to Integrity, click here: https://www.cordaid.org/en/who-we-are/integrity-and-code-of-conduct/
An integrity screening will be part of this application procedure.
An assessment and / or a presentation of a “case study” can be part of the selection procedure.
For more information about Cordaid, please visit our website: www.cordaid.org.
Acquisition regarding this vacancy is not appreciated.
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The Three Year Gain Amount is the taxpayer’s share of partnership internet capital gain or loss included in the One Yr Acquire Quantity that has been held for more than three years and any internet capital gain or loss from the gross sales of an API curiosity held for greater than three years to which the look-by both doesn’t apply or doesn’t recharacterize as short-term capital achieve.
New York: Crown Discussion board.
By using advanced know-how to capture heat present in the skin air, the pump can transfer the heat into the swimming pool, making the water extra comfy and considerably extending the seasonal period of the pool.
But if you really want to fine-tune your trades, a host of advanced order types are available.
If the process is carried out effectively there should be increased assurance of quality and cost saving in the industry.
It was not till 1933 that the official title of the hospital was modified to the Manchester Royal Infirmary.
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Fuel dryers heat with gas, whereas electric dryers use electricity.
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Have you noticed the news has changed its approach recently? What used to neve be brought up or discussed has changed. Frankly it is about time we see a change.
The troops had been able to march round four am.
This web page was final edited on 6 October 2024, at 04:40 (UTC).
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Seilkhanov, Adlet (24 April 2023).
Some of the devastating took place on February 17 and 18, 1944, along with the Marshall Islands operation.
Subaru automobiles are designed for protected and secure towing capabilities.
How are mental disorders classified?
Courthouse Sq. in affiliation with Heritage Occasion Firm presents New Braunfels Antique Postcard and Paper Show as a part of the brand new Braunfels Antique Show.
How can mindfulness be integrated into every day life?
If they have any doubts or worries about the future strength of their business, then clearly investors will see that lack of enthusiasm and pass them by.
Buying the land first and then building on it later allows you more freedom to do what you want with the property, but it likely won’t save you money.
But it’s nonetheless virtuosity, for no matter it’s value.
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Buying and selling on a daily basis will not only jeopardize the investment but will also give a small fortune in the broker’s fees.
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We worked out a bunch of missions – more than 25 of them, taking the player from New York to London to Paris to San Antonio, to Austin to Siberia to Washington, D.C., to NORAD to Sunken L.A.
When you lack the actual DIY expertise, find an area handyman or cabinetmaker to do the job for you.
Most acceptable the account might be launched on September 15, mentioned Delhi Chief Secretary Rakesh Mehta.Nevertheless, vacationers will settle for to delay just a little best for experiencing Delhi from the rooftops of the hop-on hop off buses as such a capability can be offered at a after stage.Mehta mentioned initially 15 to 20 air conditioned low attic buses will be apprenticed into the account and all of the buses will accept ready-bodied achieved guides apart from added accessories like agenda video screen.
You can do the rounds of business events and social occasions but sometimes the best way to network is by getting connected into the organizations of funders and private investors that can really make a difference.
These costly elements are already altering how vehicles are repaired.
As your True Fans join with each other, they may more readily improve their average spending on your works.
Many years ago, you would have wanted quite a lot of connections – or a fortune – to get heard.
A 2015 examine by Cambridge Systematics discovered that 80 of trucks that go by Chattanooga are destined for a distinct location, the very best share of any metropolitan area in the country.
Singapore is already the third largest oil trading center after New York and London, the top bunker port in the world, the fifth largest foreign exchange trading center and the eighth largest center for over-the-counter derivatives, and with the SMX coming live on August 31st, it will play a pivotal role in the commodities market drawing international investors and trading houses to its shores.
Goth vogue has evolved over time, drawing inspiration from numerous sources and subcultures.
Similarly, people scoffed at the release of the iPad in 2010, claiming it was just an overpriced laptop with fewer features.
After the tournament ended, Trapp was referred to as up to the Germany U18 and made his Germany U18 debut, starting the entire game, in a 3-1 win towards Rwanda U18.
His slender face was pale, and His hair hung in wavy locks under His shoulders.
Full time and part time opportunities are available in Arizona, Kentucky, Texas, West Virginia, Delaware, Minnesota, Florida, Georgia, Kansas, North Carolina, Tennessee, Wisconsin, and Virginia for our seasonal customer support affiliate position.
Gentle & ABSORBENT: These thirsty dish cloth kitchen towels are designed with a popcorn terry building to soak up water rapidly.
The Bull Ring is a major shopping area in central Birmingham England, and has been an important feature of Birmingham since the Middle Ages, when its market was first held.
Carey and Granger were interviewed by Ken Garner at the Navarre Press for an article promoting their look at Earth Day Festival Pensacola.
Throughout the industry’s history, train crews have left their terminals with a manifest of pre-assigned duties, pickups, and set-offs.
In this information, we’ll introduce you to the top 10 SUVs with impressive suv towing capacities in 2023, guaranteeing yow will discover the right car on your needs.
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Fotbollsresor Arsenal ( Football Travel Arsenal ) can be offered by tour and travel division of England on economical prices.Arsenal has been making a workforce for the longer term.
Bankman-Fried said in a Slack message that FTX had learned through the press about Binance’s concern and decision.
Over the course of 20 years, Sun Mergers & Acquisitions of Hasbrouck Heights, NJ, has successfully helped small businesses execute profitable exit strategies, mergers and strategic acquisitions.
Securities and Exchange Commission regarding Vilar and Amerindo.
However, Kawashima got here below criticism when he conceded ten targets in the first five league matches of the season.
Moreover, if the central financial institution additionally purchases financial instruments which can be riskier than authorities bonds, it may decrease the curiosity yield of these assets (as these property are extra scarce in the market, and thus their costs go up correspondingly).
Consequently there is a reduction in risk and also ensuring that the suppliers are in the best in class.
There have been many violators that declare accreditation from companies that either don’t exist, have been created by the school itself, or are legit companies but don’t have any file of accreditation for the varsity.
Om Dutt Sharma, who has created a school, clinic and free dispensary for the youngsters of his village, is not a Silicon Valley millionaire; he just isn’t a wealthy physician nor a businessman who makes thousands and thousands.
And she’s on the run — this time in subway tunnels — in the thriller “Brooklyn to Manhattan,” a couple of drug deal gone unhealthy.
This virtual representation of Phobos was fought by Starkiller in Star Wars: The Power Unleashed.
In the early phases, individual sectors or industries are developed first, which leads to an unequal distribution of income and wealth, resulting in rising inequality within a rustic.
Henry Walter Stevens. For public services in Nyasaland.
In the context of policy choice, people can make more money in the stock market with less capital in their funds.
You could end up paying more for the property if you buy it too soon, or you may end up with one that doesn’t meet your standards.
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Enid Marguerite Fielding, Secretary, The English Association.
If your credit rating is under 750, try to put off refinancing for typically to raise your credit score rating above 750 and hundreds of dollars will likely be saved on your property loan.
Mexico, China and India, and the materials to make those products – oil, uncommon metals, lumber – are extracted from oilfields, mines and rainforests in countries that change leaders through coups and uprisings extra often than democratic elections.
Whether you already have property around the Big Bear Lake to sale or just looking the right place for your future residence, then probably you are in the exact place as this article will simplify your research for Big Bear Lake homes and will provide you with other market information.
In the event you qualify for any monetary help, then you’re eligible for the Federal Work-Examine Program.
Architecture – Glass – Art (PDF).
Proceed answering till there is one participant left, who’s awarded three factors.
Whether or not it’s a meticulously deliberate MICE occasion, a customized household adventure, or a carefree leisure trip, your European dream becomes a reality.
As part of his strategy he made sure that the first two qualified at just under 97 miles an hour.
On poster board, draw two large elephant ears and cut them out.
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The moist texture and candy aroma make it a really perfect accompaniment to your morning espresso or afternoon tea.
We must first comprehend the distinction between trading and investing before we can comprehend the constraints.
So choosing the right one is usually a bit difficult.
For example, if you own a house that price you $50,000 and want to promote it for $100,000 you’ll be able to increase your sales value and return on investment through the use of a vendor financed scenario.
She was married to Leo Woodard, then later moved to Houston and married James Q. Dial Sr.
Unless you’ve got been dwelling underneath a rock in 2009, you know that social networking Internet sites are the latest and biggest technique to interact with other customers on the internet.
Because the truth is, future-proofing is only going to affect a small number of computer users in general.
Every non-public or arduous cash lender may have specific supplementary paperwork their traders require primarily based on the kind of mortgage you require.
Genetic elements play a major function in the development of schizophrenia.
Romanov, Alex. “Putting a Dollar Value on Big Data Insights.” Wired.
First, select a company that is run well and has a strong finance plus, has a history of management practices that are shareholder-friendly.
Updates are posted to the site.
The quarterback then reads the unblocked defensive lineman.
When you are signing up on a binary options trading platform, make sure that it is a reputable site that can allow you to place a huge number of trades.
To participate in Token sales, you must first sign up at Infliv (Infliv Token & Exchange).
One in all my best on-line public sale experiences over the past 10 years.
The Azerbaijani nominee Shakhriyar Mamedyarov still remained within the tournament despite the tournament not being held in Azerbaijan.
Between 30,000 and 40,000 pores and skin cells fall off each hour.
Mark Ambinder (May 19, 2008).
Together with a message system within the general system makes it simpler for people involved in the project to move information alongside.
鈥?Transparency and impartial Price Discovery – Trading in commodity futures is transparent and a procedure of fair price discovery is insured through large-scale participation.
A two-door station wagon was already proposed for the new-car line; such a vehicle could contribute structure and even body panels to an El Camino.
Ensure that to tousle the edges.
That’s to not say CEOs are untouchable or have unchecked energy.
UK – Ambersphere Solutions has introduced two major additions to its product portfolio: Astera which manufactures 100 cableless LED fixtures and Zactrack whose movement monitoring products are truly world class.
In a digital age dominated by computer systems and smartphones, the resurgence of interest in electric typewriters could seem surprising to some.
Apart from, he/ she may additionally want to know the way open you might be to traveling, working in several environments, and circumstances, and to what extent you might be aware you might be of the realities of occasion planning, and so forth.
Douglas Thomson, President of the Shire of Eurobodalla.
Quite a lot of bilateral agreements have been primarily based on this Agreement.
WEAPONS OF OUR WARFARE 2 Cor.
One of the most common causes for the enactment of risk communication is medical-based personal issues.
320 and you buy one other lot of one hundred shares and once more you made the acquisition of 100n shares when the worth of the share reached 350 per share.
The road between spoiling and fermentation is a muddy one, however a distinction people have been futzing with for millennia.
By 1940, Oldsmobile had the first HydraMatic transmission, a 4-velocity unit that was dependable and well-liked.
In his 1788 will, Benjamin left William just about none of his wealth, besides some nearly worthless territory in Nova Scotia and some property already in William’s possession.
This is a list of Pakistani administrative items by their gross state product (GSP) (the value of the whole economy, and items and companies produced in the respective administrative unit) in nominal phrases.
Many individuals knowingly agreed to adjustable curiosity rates beneath the idea that they’d promote or “flip” their houses before the rates jumped larger.
In today’s business world, data analysis plays a role in making decisions more scientific and helping businesses operate more effectively.
Their labor made up for shortages brought on by the number of males serving within the Continental Military.
Investments can refer to a mechanism that is used for generating future income.
The final time the district requested for a income enhance was in 2011.
Different cities that adopted this form of government in this interval had been Clarksville in 1907, Chattanooga and Knoxville in 1911, and Jackson in 1915.
Chandra, Shobhana and Kowalski, Alex.
One other novelty of the early 1950s have been the three-automotive coaches, which consisted of a motor coach and two facet carriages.
Located 16 miles southwest of Birmingham, Bessemer grew rapidly and its promoters believed that it might overtake the other metropolis in economic power.
Within the wild, macaw couples will live in flocks of 10 to 30 birds, all of them calling, squawking and emitting the macaw “scream” throughout the forest.
Futures have several benefits over options in the sense that they are often easier to know and worth, have higher margin use ,and are often more liquid.
Burial might be in Roselawn cemetery, Mulhall, directed by Parker Funeral House, Perry.
Savings Rate Slides While Debt Reduction Rises, Financial Planning magazine, August 12, 2010 “Savings Rate Slides While Debt Reduction Rises – Financial Planning”.
As we speak, it is considered a pseudoscience barely talked about in “Intro to Psychology” classes.
In 1974, the Steelers won their first Tremendous Bowl in franchise historical past-a feat which they might repeat in 1975, 1978, and 1979 to turn out to be the primary NFL franchise to win four Tremendous Bowls.
Ensure that there’s an electrical outlet near the install location, and that the facility unit is excessive enough in order not to interfere with foot traffic inside the garage.This can be a good alternative to install the light bulb inside the electric opener in case your model has a socket for one.
Kennedy, Maev. “Black Death study lets rats off the hook.” The Guardian.
In case of any internal person, any creditor( outside the minimum 75 and 60 percent) does not wish to commit additional financing, that creditor will have the option to either (a) arrange for his share of additional financing to be provided by a new or existing creditors , or (b) agree to deferment of the first year’s interest due to him after the Corporate Debt Restructuring (CDR) package becomes effective in company registration.
Maliene, V. (2011). “Specialised property valuation: Multiple criteria decision analysis”.
To our advantage, we resisted the temptation to do just the stuff we knew would work and the stuff that may look the prettiest, and prototyped new, risky stuff first.
Mankiller articulated what generations of Cherokee people knew – that Indigenous persons are capable of producing the options to the problems they face.
Eruptions occurred between three million and 1,000 years ago, affecting the Paleozoic and Mesozoic rocks.
The researchers have developed a filter system that uses a common medicinal herb, Tridax procumbens, to absorb excess fluoride from drinking water.
While organizing all these business events in a proper and effective method, each enterprise requires an expert event management company.
When the scheme was uncovered, banks started demanding their cash again, inflicting the collapse.
307. Two ladies look out over a nearby city, seen in all their finery of off-white layered dresses with black trim, and pale green strips with rosette style decoration.
Why are wolves making a comeback within the United States?
Vets that don’t actually understand and take private curiosity in the French bulldog breed are prone to misdiagnose your pet or recommend unneeded surgeries.
Another important use of the MTE comes down to pure math.
This possibility first loomed on the day after the crash.
That’s because they don’t make their money from their streaming service.
Memory’s audio narration was later edited and turned right into a guide printed by North Atlantic Books in 1976.
So, you are excited to invest in a long-term equity fund but confused about which one to select from within the broad spectrum of funds on offer.
Click over to the next page to learn why the quality of a university’s cafeteria could be considered as important as its programs of study.
Might you dive into it a bit of deeper?
Individuals with ulcers ought to eat as many unrefined and excessive-fiber plant foods as attainable.
If you happen to spend $200,000.00/12 months on meals and have a 5 theft rate, it prices your operation $10,000.00 annually (and 5 is on the low facet).
The only surviving portrait of Lawrence Washington is at Mount Vernon, the place George Washington is known to have stored it in his personal studio/library on the bottom flooring: it is the one Washington household portrait honored with a place within the Research.
Thus, if this can be shown to hold in a Lindahl equilibrium, it can be conveniently stated to be Pareto optimum.
The Democratic get together, which had held energy in Congress throughout many of the period since World Warfare II, lost management of each the House of Representatives and the Senate.
It’s a movie that takes audiences into a fantasy world inhabited only by cars.
Companies also like to note that their software or device complies with Payment Card Industry Data Security Standard (PCI-DSS) by meeting requirements like encryption of card data.
A “flip to the Dark Facet” has become a preferred idiom to explain an (often misguided) particular person or establishment’s embrace of evil out of a want for energy.
Today, the type of company choosing the NASDAQ is much broader because the exchange has been so successful.
With the precise functions, smartphones may be powerful organizers.
From a star-crammed Japanese skyline to ancient chemical symbols, you might be surprised that the producer of your car may be providing an entire firm history on the hood or grill of your automobile as you travel 80 mph down the freeway.
Carlsen then relinquished his title, permitting Ding to play for the title regardless of not winning the Candidates.
Surviving U.S. funding banks such as Goldman Sachs and Morgan Stanley transformed to conventional financial institution holding companies to simply accept TARP relief.
There are a lot of people who will help you get started with making thorough registering together with your job.
Once more, my apologies to many who’ve requested promotions, links, etc.
In 2024, TIME additionally recognized the GE Profile Good Indoor Smoker on this listing.
To explore the possibilities, visit the iPhone App Store, the Blackberry App World and app sites like PocketGear and Handango.
Initially manufactured from 1915 to 1919, the Webley & Scott Mk VI service revolver took what is known today as a speedloader.
Before we answer that, take into account that not all stocks are the same.
Considering the price a Porsche goes for although, you’d expect that it had to handle as properly because it looked.
Still, the facility Wagon’s martial roots ran deep.
Ultimately, Revan defeated Malak and his Sith Empire and was seen as a Jedi hero as soon as again, but was later captured by the Sith Emperor again and his psychic broke into a lighter half and a darker half.
For buying and selling in Nifty Futures, an investor or trader needs to maintain many points in mind.
If a service or particular person is providing a really engaging charge but isn’t bonded or insured, any protection you get pleasure from could have to come from your homeowner’s insurance coverage policy, probably at an increased premium.