Marsh & McLennan Agency Blog

Top 5 Technology Challenges Facing Nonprofits

Insurance for Nonproifts - Cyber Liability InsuranceIn order to meet their sustainability goals, nonprofit organizations must focus on fundraising, staff and volunteers, program development and other mission-driven initiatives. Oftentimes, technology becomes a lower priority, which can cause them difficulties, especially with the cyber security issues organizations face today.

Most nonprofits face technology-related challenges. Some tend to lag behind when it comes to utilizing cutting-edge technology solutions. For example, even though 93% of donors reported they use a smartphone or tablet, 84% of nonprofits do not have their donation page optimized for mobile devices. Even so, 88% of nonprofit organizations predict digital to grow over the next 10 years, with digital fundraising moving from 7% to over 20% of total fundraising.

The top 5 technology challenges that nonprofits face in today’s technological-driven environment include:

  1. Data security

Data is the key asset for any nonprofit organization, and protecting that key asset is critical to the overall operation of the organization. The top 3 security threats for nonprofits include the following.

  • Weak password policy.

Oftentimes, nonprofits do not institute strict password security policies when allowing stakeholders to access private information on their networks. Organizations need to ensure that two-factor authentication and password criteria is required.

  • Unsupported software.

Technology budgets are notoriously tight for nonprofits. Often, they are using outdated equipment that uses outdated operating systems (such as Windows XP.) Using older operating systems places the organization at risk for data breaches.

  • Open source software.

Nonprofits will use open source software as a cost-saving measure. The downside of this strategy is that open source software is extremely vulnerable to cyber attacks.  Nonprofit organizations need to ensure they have a security compliance officer on their team as well as a policy and procedures manual that will detail how they will manage virus protection, disaster recovery and how they will manage their business intelligence.

  1. Adequate budget for technology

Too often, nonprofits do not have a plan for keeping their technology updated. While this can take a back-burner to other organizational pressures, planning ahead can save money a great deal of stress. One reason for this is that obsolete technology leaves security holes that can easily be breached by cyber attackers. It is essential that nonprofits maintain anti-virus updates, current operating systems, firewalls, software updates, browser updates and retire old equipment.

  1. Mobility Solutions

Mobility is at the forefront of almost everything nonprofit organizations are doing. This will extend well into the future. Technology that is mobile-friendly permits volunteers, staff and board members to have 24/7 access to data and connection with each other. Nonprofit organizations need to continue to ensure they utilize mobility solutions in order to best achieve their mission.

  1. Cloud Computing

Currently, only 15% of nonprofit organizations use cloud-based accounting or fundraising solutions, but they are beginning to understand the benefits of embracing cloud technology. In the future, how will nonprofits embrace cloud computing? What is their strategy? Where do they embrace it? What solutions will they have? Who is managing it? How is the security involved? All of these factors need to be taken into consideration in order to have a viable cloud computing strategy from the get-go.

  1. Data Analytics

Data is the new currency for nonprofits. Currently, 57% of nonprofits are not effectively using donor data for marketing and fundraising. The investment nonprofit organizations make in data will enable them to make faster decisions with more fluidity, based on the information they have collected and analyzed, thus improving their bottomline. Data help drive the ecosystem of the new economy in nonprofit organizations. Whether it is through fundraising efforts or donor appeal, analytics will provide the framework that will ultimately make this happen.

MMA understands the importance of executing your mission while keeping your assets, your people and your reputation safe. Our Nonprofit & Social Service Practice Group offers risk management and cutting-edge risk solutions specifically for the nonprofit community. To learn more about our innovative views of insurance, risk management and cyber liability solutions for nonprofit organizations, click here.

Equifax Breach of Data on 143 Million People – Growing Need for Cyber Security Protection

The consumer credit reporting giant Equifax is in hot water following one of the largest data breaches in U.S. history. Equifax reported that hackers gained access to the personal information of more than 143 million people (slightly less than half of the entire U.S. population.) The compromised data includes social security numbers, addresses, birth dates and drivers’ license information.

In a video statement, Equifax CEO Rick Smith apologized, saying the company had “made significant investments in cyber security” but that “there is still more to do and we will.”

But the controversy continues beyond the breach itself. It took six weeks for Equifax to publicly disclose the hack and, during that time, before the attack was announced, three company executives sold $1.8 million in the company’s shares. Equifax claims the executives were unaware the intrusion had occurred. Additionally, there was a massive sale in stock options for Equifax, making it appear that buyers were tipped off about the breach. The U.S. Attorney General has opened an investigation into the Equifax breach.


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FEMA Disaster Assistance for Hurricanes Harvey & Irma

FEMA issued this fact sheet to address confusion on whether proof of a denial of claims is necessary to qualify for FEMA individual assistance. The official notice states:

  • If you have flood and/or homeowners insurance and believe you incurred a covered loss, you should file a claim with your insurance carrier.
  • Though the National Flood Insurance Program (NFIP) does not cover additional living expenses, you may be eligible for this type of assistance from the Federal Emergency Management Agency (FEMA) for your uninsured or underinsured disaster-caused expenses or serious needs, including temporary housing assistance.
  • If you have NFIP flood insurance, you are not required to provide evidence that your insurance company denied your claim for the disaster caused-loss to be eligible for temporary housing assistance from FEMA. (Note: You will still need evidence that you’ve been denied by your flood insurance for structure or contents losses if you’re seeking FEMA assistance for those losses.)
  • If you only have homeowners insurance that does not cover flood — and have sustained only flood damage — you are not required to submit documentation that your carrier denied your claim to receive FEMA rental assistance or financial assistance for real or personal property disaster-caused damage.

Download the fact sheet here…

Go to or call 800.621.3362 to register for assistance.

Court Requires EEOC to Substantiate 30% Limit on Wellness Programs

On August 22, 2017, a federal court in the District of Columbia ordered the Equal Employment Opportunity Commission (EEOC) to reconsider the limits it placed on wellness program incentives under final regulations the agency issued last year under the Americans with Disabilities Act (ADA) and the Genetic Information Nondiscrimination Act (GINA). As part of the final regulations, the EEOC set a limit on incentives under wellness programs equal to 30% of the total cost of self-only coverage under the employer’s group health plan. The court found that the EEOC did not properly consider whether the 30% limit on incentives would ensure the program remained “voluntary” as required by the ADA and GINA and sent the regulations back to the EEOC for reconsideration.

Read the full compliance update…

Technology Drives Changes in the Energy Industry

The energy industry has a very broad scope, representing industry sub-sectors such as petroleum, gas, electricity, coal, nuclear power and renewable energy (hydroelectric power, wind power, solar power and alternative fuels.) Advancements in technology are enabling all sectors of the energy industry to operate more efficiently and reduce costs.

Technology is making tremendous changes in the energy industry. Advancements in technology will create the efficiencies that will enable oil and gas producers to remain profitable at widely varying prices. The market can fluctuate substantially very quickly, causing oil and gas producers to focus on getting costs down and increasing their output up by applying new technologies.


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Getting You Ready for the Storm

We are currently tracking the movements of Hurricane Irma. It is currently expected to reach southern Florida later this week and we are watching to see if it will shift toward the Mid-Atlantic States. As we have all seen with Hurricane Harvey in the past week, once a storm has been downgraded; it can still cause severe damage and flooding. We sincerely hope you, your business, and your family do not suffer a loss in this storm.

Now is the time to prepare and to remind you we will be here for you. The information below provides guidance for assistance should you sustain loss or damage from the hurricane. While we certainly hope for the best, we will be closely monitoring this storm and will be available to assist you should the need arise.

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When you know a storm is coming, take steps to prepare.

When a hurricane or tropical storm turns inland, it may diminish in strength, but the potential remains for severe damage from winds and heavy rain. When you know a storm is coming, take steps to minimize damage and speed recovery.

First and foremost, take whatever precautions are necessary to protect yourself and your family. While property preparations are important, they’re not worth risking life or health. If you need to evacuate, do so, as long as you have time to reach a place of safety. Don’t be caught on the roads in your car or attempt to drive through water-covered streets. Once the storm reaches your area, stay inside, away from windows and possible flying debris.

If you have sufficient time, here are some simple things you can do to prepare your home or business:


Clean out your gutters. Remove leaves and other debris, first by hand to get rid of the large particles and then with a scraping tool and water hose. This helps to prevent overflows that could cause interior damage.

Make sure downspouts and window drains properly guide the water away from the structure. Direct downspouts at least 6 feet from the foundation. Clear any obstructions.

Clear your yard of potential flying debris. Store lawn furniture, potted plants, bicycles, trash cans or other loose items.

Protect your windows and glass doors. If you have functional shutters, secure them.

Move business and construction vehicles to higher ground. Keeping vehicles and other movable property out of harm’s way can shorten the downtime faced by your organization and get you back in business sooner after the storm has passed.


Test your generator or battery backup. Be prepared for an extended power outage, especially if you have electrically powered medical equipment. Store extra fuel safely and only in approved containers. Don’t operate portable gas generators indoors or in enclosed spaces where it could lead to carbon monoxide poisoning.

Charge your cell phone and any extra batteries. Adjust settings to eliminate non-essential apps and preserve battery life. Store emergency phone numbers in your contacts, including family members, your doctor, your insurance agent and your insurance company’s claims phone number. Keep a paper copy in case you lose power.

Stock up on flashlights, spare batteries, food and water. Keep your emergency kit supplied with provisions for each family member. Don’t forget your pets. Keep extra diapers on hand for little ones.

Check your first aid kit. Keep it stocked with the basics to treat minor scrapes or injuries; in the case of a disaster, emergency medical services may be limited to life-threatening cases. Keep several days’ supply of prescription medications on hand.

Know where your emergency shutoff valves are located. In the event of damage, you may need to cut off electricity, water or gas.


Understand the coverage provided in your insurance policy. No one should be surprised that things like “flood” and “earth movement” may be limited or excluded under some insurance policies. If something isn’t clear to you, contact your agent and get an explanation of exactly what your policy will provide for you.

Store a copy of your insurance policy. It’s best to keep a copy offsite, in a safe deposit box or digitally in a location you can access from anywhere. If you must evacuate, take copies of key papers with you, including birth certificates, marriage records, property deeds, bank accounts, etc.

Identify the safe places in your home. Know where to go away from windows, skylights and glass doors in case the storm spawns a tornado.

Keep a home inventory. If a storm is imminent, it may be too late to thoroughly document your belongings, but even taking cellphone photos of each room can help if you need to file an insurance claim later.

For more information please contact us today!


How Metal 3D Printing is Staged to Impact the Manufacturing Industry

Metal 3D printing could change much of the world around us if it was fast enough, and cheap enough, for mass production. Now there is a production metal 3D printing system, powered by single-pass jetting that is both fast and cheap enough. At up to 100 X faster than a laser-based system, the first 3D printing solution for mass production is about to hit the market.

The printer works by combining two mass powder spreaders and one print unit into a single-pass system to both spread metal powder and print. Unlike past metal 3D printers, there is no wasted motion with single-pass jetting.

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Marsh & McLennan Agency to Help Raise $1 Million for Triangle Family Services

Marsh & McLennan Agency (MMA) Mid-Atlantic is proud to partner with two Triangle-based nonprofits, Triangle Family Services (TFS) and Band Together, in an effort to raise over $1 million by May 2018 to support the TFS mission of supporting and strengthening families in crisis. Rick Kelly, Division Manager of the MMA Raleigh office, is a TFS Board Member and Kyle Lawrence, MMA Vice President, is a Band Together Advisory Board Member. Together they will take an active role in the MMA, TFS and Band Together partnership to help reach the $1 million fundraising goal.  Read More…

How Ambient Intelligence is Changing the Future of Eldercare

Artificial intelligence (AI) and ambient intelligence (AmI), along with affordable sensors and wearables, are offering innovations in senior living that would have been unheard of a few years ago. Today these innovations are becoming practical and cost effective.

Meanwhile, there is a shortage of family caregivers and a looming shortage of doctors. People are living longer than ever before. Many people alive today have a good chance of living to be 90 years old or older. Centenarians are the fastest growing segment of the world’s population. It is projected that there will be 3.7 million centenarians in the world by the year 2050.

AmI is a new paradigm in eldercare. Digital environments that are aware of the presence of human and context will empower people to be self-reliant. AmI is sensitive, adaptive and responsive to the needs, habits, gestures and emotions of humans.Low cost ambient technology (sensors) is being developed and made available at a reasonable price point. All of this is leading to more self-reliant eldercare. Regardless of the location of the care (home, hospital, senior care center, etc.), people will be more self-reliant.

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