If you were a long-time donor to a nonprofit, and just learned that your credit card details provided to the nonprofit to make a donation are now in the hands of a hacker, would you ever trust that organization again?
Although data breaches seem to be increasingly common, most nonprofit leaders still know very little about the risks that arise from the collection and storage of personal information collected from employees, volunteers, clients and donors. Many leaders believe that the work of foreign hackers represents the greatest threat to the confidential information their organizations collect.
Account number or credit or debit card number, or an account number or credit card number in combination with any required security code, access code, or password that would permit access to an individual’s financial account.
Data management and security standards are becoming increasingly complex as data constantly moves between multiple devices and storage sites. According to the National Conference of State Legislatures, 47 states, the District of Columbia, Guam, Puerto Rico and the Virgin Islands have enacted laws that require organizations to notify individuals of security breaches of information involving personally identifiable information. It is arguably unrealistic to expect that nonprofit executives have the time needed to master the various laws pertaining to data privacy and data breaches. Your nonprofit’s insurance agent or broker is the go-to resource for information about what’s covered under the cyber liability policy you already purchase, or one you’re considering. Notification Expenses: As discussed above, almost every state has notification requirements for both private and government entities.
Crisis Management: After a data breach occurs and you’ve met your notification requirements, your nonprofit could still face harsh criticism and scrutiny from affected stakeholders or the media. Regulatory Investigation Expense: Since data breach notification laws are subject to change, your commitment to comply may not be good enough. Data Breach Liability: This coverage will defend your nonprofit against legal claims brought by a stakeholder who suffered a significant financial loss after their personal data was compromised.
Content Liability: Some cyber liability policies offer financial protection related to the content of your website, blog or social media sites. To reduce the likelihood and severity of a data breach, consider the following practical strategies. Encrypt Sensitive Data: Would the theft of a laptop or other mobile device constitute a data breach? Schedule Data Security Training: Some cyber liability policies offer proactive risk management resources, such as educational materials or access to helpful training on data security. To prepare your nonprofit for the breach you hope will never happen, consider the following important questions. What is the vendor’s response time when its clients experience emergencies such as data breaches? Will my nonprofit still retain full ownership rights to any electronic documents and property that we store with the vendor (e.g., cloud storage vendors)? Are the vendor’s payment terms reasonable and compatible with our accounts payable process? Erin Gloeckner is Project Manager and Melanie Lockwood Herman is Executive Director at the Nonprofit Risk Management Center. Foreigners think that “K-food” is the most representative item to promote the national image, according to a survey by Corea Image Communication Institute (CICI). In the survey asking 154 foreign opinion setters who have visited the nation, through e-mail responses, between Sept. The result is drawing keen attention as K-food ranked fourth in the previous survey a year ago.
For both of them, K-pop topped the list as the first thing that comes to mind, when they think of Korea. In comparison, the same survey conducted by CICI revealed that “separated country” was their first association with Korea in 2011.

In an article about nonprofits and sensitive data published by the Nonprofit Technology Network (NTEN), the author points out that while data breaches occur at for-profits, government entities and nonprofits alike, consumers may be less willing to trust nonprofits after a data breach. Considering this dark and somewhat frightening landscape, what must you know to understand the exposure and fortify your nonprofit against the associated risks?
A simple example is permitting personal information to be stored on a laptop or smartphone.
Something every leader must know, however, is who to call if they believe a breach may have occurred. Each insurer offers different forms of coverage, but many policies address a few familiar coverage areas. If a data breach occurred at your nonprofit, it is likely you will be required to notify parties affected by the breach. This can range from copyright infringement and intellectual property claims to invasion of privacy or personal media injury (defamation, slander, libel) via electronic content.
Some nonprofits may find this coverage beneficial, however it is unlikely that most nonprofits would be forced to close their doors while responding to a data breach incident. Your data security efforts will be fruitless if your employees do not follow your protocols.
Some states require that specific communication methods are used to notify consumers of a data breach. As indicated previously, some insurers provide proactive risk management help, and have experts on call to either answer or help you determine the answers to the questions that follow.
Once you’ve addressed the crisis at hand and have complied with insurer and regulatory agency requirements, take time to consider lessons learned from the incident and the need for changes in policy, practice and training.
Require that your tech vendors carry errors and omissions coverage to protect your nonprofit against claims stemming from the vendor’s negligence.
What must I do (or who must I consult with) to understand these things before I engage a tech vendor? While 27 Korean respondents or 13 percent regarded K-drama and film has potential, only nine foreign respondents or 6 percent agreed so. Some 39 percent of foreigners associated Korea with K-pop, followed by conglomerates including LG and Samsung with 16 percent, and K-food with 15 percent. While the state laws are accessible through resources such as NCSL, there are expects in this field that can help you sort through the regulatory language and also walk you through the steps involved to comply in a timely fashion. Work with your agent or broker to purchase a policy that adequately protects your nonprofit.
Both state and federal agencies can investigate and take action against a nonprofit that is negligent in guarding personally identifiable information.
Some policies also include coverage for computer forensic analysis, the process used by an expert to assess the scope of the damage.
If your nonprofit would have to close in the event of a data breach, you’ll place greater value on having this coverage in place.
Software updates typically include new security measures that will help protect your devices and data against harmful malware and viruses. Remember that human error is a major source of cyber liability exposure, an exposure you can mitigate by adopting clear policies and providing appropriate training. Some states also require you to notify the state attorney general or consumer reporting agencies. For example, some states prohibit using pre-recorded phone calls, while other states only allow you to email consumers whom you have permission to contact via email.
If you fail to notify your consumers within the appropriate timeframe, your nonprofit could face litigation and harsh fines.

Keep cyber liability insurance information close at hand so that you’re ready to make the call when you need to.
Consider conducting a risk assessment focused on data privacy exposures, identifying training needs for staff, and updating internal policies that concerning the collection, storage and protection of personal information from clients, donors and employees. Resolve to become a discerning consumer so you can distinguish dependable tech vendors from those unworthy of your trust.
Having this coverage won’t insulate your nonprofit from a data breach claim, but you might be able to subrogate a claim against your vendor if turns out they were negligent, such as by failing to install an available patch when your contract indicated their responsibilities to do so.
18, the K-food category was selected as the area with the greatest growth potential with 41.3 percent or 62 votes. In 2012, however, big-name conglomerates took first place, while “separated country” and “break-through technology” took second and third.
This suggests that nonprofits may be at greater risk for reputational and financial damage in the wake of data breaches. In some states, the mere loss of the device with personally identifiable information is a breach under the law and triggers reporting responsibility, such as the duty to notify the people whose data was lost. Additionally, there are data protection standards for specific industries or specific business practices, such as the PCI Security Standards Council’s Payment Card Industry Data Security Standard.
If your nonprofit purchases cyber liability coverage, you may have access to these experts at no additional cost, as part of the policyholder services provided by your insurer.
Cyber liability policies may include third party coverages (items 1-5 below) and also first party coverages (items 6-7). Coverage for notification expenses will protect your nonprofit from the strain on human and financial resources in the wake of a breach.
Some cyber liability policies offer crisis management coverage to cover the cost of retaining PR help to minimize the damage to your reputation. Some cyber liability policies exclude coverage for governmental or regulatory investigation costs, but other policies include it. As a result, some experts suggest that organizations encrypt only data on mobile devices, or strictly prohibit the storage of personally identifiable information on mobile devices. Whatever your BYOD policy is, aim to strike a balance between protecting nonprofit’s data and upholding the privacy rights of your employees. Take the time required to negotiate a contract with your tech vendor that ensures the support or services you need while adequately protecting your nonprofit against harm or loss caused by the vendor’s negligence. This standard requires organizations to enact information security best-practices if they handle major credit cards such as Visa and MasterCard.
As with any insurance available to your nonprofit, it’s important that you understand what it covers, when coverage is triggered, and what pro-active or responsive risk management support is available. Third party coverage protects the insured organization against claims that arise from losses suffered by third parties, such as donors or clients.
And some policies will also cover fines and penalties, such as a fine levied for failing to notify the individuals whose data was compromised within the time limit required by law.
Ensure that your employees recognize how easily a data breach can occur, and how detrimental a breach could be to your nonprofit’s mission.
Similarly, you might be familiar with federal data security regulations such as HIPAA if your nonprofit handles protected health information (PHI).

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