Archive for the 'Risk Management' Category

Wholesale Insurance Brokers for Habitational Programs


Dauntless Specialty

You will be proud to own an apartment, condo or multi-unit dwelling. However, owning assets burdens you with numerous responsibilities as well. It is difficult to choose a suitable risk management program for your valuable asset. There are numerous insurance programs in the market for rental commercial properties. Finding the ideal one is a time consuming and tedious task. You must know the importance of choosing the best habitational programs. Even though this is not a mandatory requirement by law, every wise commercial property owner would choose this to protect his investment. It covers the structure, but not the assets of the tenants. For instance, damage to the drainage system would be covered by this program, but it would not cover the tenants furniture.

The major types of properties that are covered under the habitational programs commercial property are apartment buildings, converted housing, student housing facility, mixed apartments, public housing, senior housing facilities, etc. Apartments with eleven to twenty five thousand units are eligible for these programs. Emergencies and accidents are unwelcome and unpredictable. It is advisable to get a coverage plan that is comprehensive in nature. It should be sufficient enough to cover all the costs associated with the damage caused to your property. Habitational insurance program must be customized to suit your needs. Geographic location of your property is an important factor that must be taken into consideration. In certain areas, probability of natural calamities is extremely high. These properties require additional coverage. However, even the buildings located at the safest corners of the world cannot be accident proof.

YouTube Preview Image

There are limited habitational programs that cover the interiors of the property. With the help of a proficient commercial property insurance broker, you can find the ideal plan that suits your requirements. Interiors of the property are highly susceptible to accidents and can often be damaged by environmental conditions too. The efficient programs would provide you benefits in the long run. You can avoid most out-of-the-pocket costs when the disaster strikes. Pricing is not the decisive factor to determine the effiicnecy of habitational programs. You need to take into account the reputation and experience of the service providers in the industry too.

Your property is eligible for Habitational programs for apartments only if it fulfills certain criterion. 70% occupancy rates is a must for you to receive the desired coverage. The insurance providers insist that the commercial property should not consist of any swimming pools above the ground. Improper wiring and presence of space heaters are features that would disqualify the condos. These features threaten the safety and well-being of the occupants. The insurance providers insist that the property follow the guidelines to offer maximum protection against unfortunate incidents.

A responsible business owner would find the best wholesale insurance brokers online. The budget friendly options they offer would help you to protect your assets. It is easy to get good tenants if you have an insured property. Well maintained properties would receive the best deals. Age of the property is a major factor that would influence the pricing.

Dauntless Specialty Brokerage is the author of this article on

Commercial property insurance broker

. Find more information, about

Habitational Insurance for Apartments


Article Source:


Connect back to your roots with just a clickon – The Indian Mega Store.

In this age of 21st century, the world has indeed has become a melting pot of varied cultures. Most of us have settled far away from our motherland, thanks to the rapid globalisation. However, there may be few instances such as the aroma of your favourite meal can take you down the memory lane.

The Indian community which is scattered all around the globe is still deeply rooted in their culture and heritage. The concept of Unity in Diversity is truly showcased by the community in any part of the world. No matter for how many years youve lived away from home but an opportunity to indulge in authentic Indian cuisine, will surely make you go weak in the knees. Wait. It does sound impossible to cook up the same hearty meal your mother always fed you? Not anymore!!!

Sujumol is a premier online store for all Indian Organic Spices, Masala Mixes, Condiments, Natural, Herbal, Ayurvedic, Homeopathic and Unani Products. This is a premier online store dedicated to cater to the wide spread Indian diaspora. Whether youre miles across living in a town that makes you long for anything particularly Indian it has got you covered. They completely understand that at the bottom of your heart youre still an Indian despite spending years away from home.

Sujumol is a leading Indian products portal for buying Indian groceries, Indian snacks and sweets, Indian spices and more.

Whats life without a little bit of spice? We all love our spices that add flavour and colour to popular Indian food. The Indian kitchen is incomplete without the Spice Box a true essential to some delicious finger licking Indian curries. And it was never easier then now to refill the box. You can order any of the spices at just one click! Stock up right from turmeric which is often regarded as the queen of spices to the generously used cardamom. You can find basically any of it on Sujomol.

So next time youre inviting some friends over, do not worry about putting up an extravagant Indian feast. Grab the Mahrashtrian masala, Gujarati masala or Biryani masala and guests will be bowled over by just taking a whiff on the dinner table. You can also find other Indian snacks you can munch on and also mouth-watering Indian sweets on

Whether you belong to USA, UK, Canada, Australia, Germany, Italy, Russia, France or Israel, get your fix only at Sujomol. The Indian online megastore ships the best of the products free worldwide. Visit for details and to order online with free shipping. NRIs and others can buy Indian spices online like jeera, black pepper, carom seeds. sabja, Tej Patta, Kala jeera and Buttermilk soaked chillies with online free shipping.

At the you have the option to make secure payments by Paypal for your orders which is a secure and trusted gateway, globally. Now it’s easy to shop for authentic Indian Masalas, Spice Mixes, general health products, himalaya pure herbs, makeup, skincare, hair, bath and body, herbal, wellness, mom and baby, and also food products on SUJUMOL.

Enjoy the taste of India with just a click at – The Indian Mega Store.

About the Author: Sujumol is a premier online store for all Indian Organic Spices, Masala Mixes, Condiments, Natural, Herbal, Ayurvedic, Homeopathic and Unani Products. Buy Indian products online at



Permanent Link:}

Leadership Lessons From Pope John Paul II


Sharif Khan –

“Heroes are rebels with a cause. Rebels because they challenge the traditional ways of thinking and refuse to follow the herd. They have a cause, a vision, that’s larger than life.” – Sharif Khan, author of Psychology of the Hero Soul

From a small-town Polish boy born to a retired army officer to become Pope; from a hard life in Nazi occupied Poland, his mother dead of kidney and heart failure, an older brother dead from scarlet fever, to become quite possibly man of the century. How did such an unlikely candidate for the head of the Roman Catholic Church rise so quickly to such prominence? What leadership lessons can we learn from this global spiritual leader who so moved the world? Here is a brief timeline snap-shot of Karol Josef Wojtylas exemplary leadership:


1958: Pope Pius XII names Wojtyla auxiliary bishop of Krakow.

By this time, Wojtyla was a professor of ethics and had two doctorate degrees; he had studied theology in clandestine during the oppressive Nazi occupation of Poland.

Leadership lesson: leaders are readers. Specialized knowledge is key to leadership along with general studies. While Wojtyla had two doctorates in his field, he also studied philosophy and literature and was also a playwright and a poet. If you were to take an hour-a-day reading up in your field and applying the knowledge, within a period of five years you would become an expert within your field. People are hungering and thirsting for a leader with knowledge and experience.

In Wojtylas case, he took the time to gain knowledge of the world, himself, and beyond. As a chaplain for university students in Krakow, he used to go on frequent camping and kayaking trips and offered counseling and mentorship to the students. On these excursions, he would usually take an hour or more to be alone by himself to reflect, read, and pray. These moments of solitude gave him a strong internal compass and knowledge of self required of all great leaders.


1978: Elected Pope John Paul II becoming the 264th pope and first non-Italian pope in 456 years; refuses formal papal coronation in favor of a simple inauguration ceremony and chooses not to use the royal plural We referring to himself plainly as I.

Wojtyla was not impressed by the trappings of power and its symbols and made that clear from the day he was elected Pope. He had a very simple, plain, and honest way of communicating that endeared people to him. He exemplified the servant-leader role by embodying one of the titles of the Pope: Servus Servorum Dei (Servant of the Servants of God).

Leadership lesson: leaders are humble. We can learn from Wojtylas example by not isolating ourselves in the corner office or ivory tower with each successive promotion, hiding behind closed doors and a sea of fancy titles, diplomas, awards, certificates, and press-clippings.

Like Wojtyla, we can make ourselves available to our people with open doors, seeking to understand and encouraging dialogue. Leadership by walking around and talking to people and listening to their needs earns respect and trust.


1979: Visits his homeland, Poland, for the first time as Pope and speaks to his people, inspiring Solidarity, the first independent labor movement in the Soviet bloc.

Risking his life against the totalitarian Communist Regime in Poland, Wojtyla returned to his homeland and did not speak in the typical, official visiting dignitary tone. He spoke from his heart, from the gut, soul-to-soul in their language. The people of Poland saw themselves reflected in him; he encouraged them to not crawl like animals but walk tall and be not afraid. The crowd went wild and a flame of rebellion and counter-revolution was lit in the collective consciousness of the Polish people, sparking the Solidarity movement for independence and freedom that eventually toppled the Communist Regime.

Leadership lesson: leaders have heart. Intellect is not enough; both head and heart have to be married. If you want to win over people, risk letting down your guard and speak from the heart. The leader that speaks from the heart almost always wins over reason alone.


1983: Meets with assassin Ali Agca in prison.

Just two years after the assassination attempt on his life by gunman, Mehmet Ali Agca, and several months of painful recovery, the Pope visited Agca in prison and offered forgiveness. (Much later, in 2000, the Italian government granted clemency to Agca, on the Popes request).

Leadership lesson: leaders are willing to forgive. We are all fallible human beings that make mistakes. The mark of a true leader is his or her willingness to forgive. Its also a smart leadership strategy in the long-term. While theres no excuse to keep someone who consistently fails to learn from their mistakes, the boss that fires an employee for making a big mistake is often mistaken for doing so. After all, theres always the risk that the next person hired could potentially make the same disastrous mistake. But by offering forgiveness to the person that errs, that person is unlikely to repeat that same mistake, and will most likely remain fiercely loyal to you.


2000: Offers a day of apology for sins committed by members of the Catholic Church over the centuries; visits Israel and pays homage to the victims of the Holocaust.

Wojtyla was the first pope to visit the Auschwitz concentration camp in Poland in 1979, and later in 2000, he visited Jerusalems Yad Vashem in remembrance of the six million Jews who died in the Holocaust, praying for reconciliation between Christians and Jews and apologizing for the sin of anti-Semitism by Christians.

The day that former U.S. President, John F. Kennedy, took full responsibility for the Bay of Pigs fiasco, was the day he became a leader. The day that Wojtyla apologized and took responsibility for the sins of anti-Semitism committed by Christians, was the day he became a truly respected global leader.

Leadership lesson: leaders take full responsibility for their organization. Blaming and complaining is the mark of a loser. We can make excuses or we can make progress but we certainly cant do both. To be a leader, you must take full responsibility for your actions, your team, and ultimately the whole organization or cause you lead.

Uncommon Leadership

1982 2003: Receives PLO leader Arafat; Meets Gorbachev as first pope to meet with a Kremlin Chief; visits Cuba and meets with Castro; becomes first pope in history to enter a mosque.

Despite criticism from many corners on the controversial issues he supported, Wojtyla was not one to ever back down. He stood for what he believed in and had the courage of convictions. As a leader, he was tough but flexible. His flexibility allowed him to meet famous, and infamous, world leaders and address difficult issues that made him unpopular in certain circles. But he also had the inner toughness and steely resolve to break down walls and foster reconciliation. As Pope and head of the Roman Catholic Church he knew his role was to unify the Church while serving as an apostle of justice and peace. He stood his ground and never wavered, even if it meant alienation.

Leadership lesson: leaders stand for what they believe in. Leadership is not about winning a popularity contest. Stand up for what you believe in. Be strong and be firm. A divided mind is weak; a united mind, clear and singular in purpose, is powerful beyond measure.

Legacy: Rebel with a Cause

1920 2005: A legacy of leadership.

Pope John Paul II was a rebel with a cause. A champion of human worth and dignity, a freedom fighter, a torch bearer for social justice, he left a lasting legacy of leadership and moral example that the world can follow. Asked once, if he feared retaliation from government officials, he replied (according to biographer George Weigel), Im not afraid of them. They are afraid of me. Indeed, he relayed a message to the world that will echo through eternity: Be not afraid!

Sharif Khan (; is a freelance writer, motivational speaker, coach, and author of “Psychology of the Hero Soul,” an inspirational book on awakening the hero within and developing peoples leadership potential. Call 416-417-1259 to learn about Sharif’s business writing, copywriting, and speaking services.

Article Source:

Leadership Lessons From Pope John Paul II }