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Ontario’s Child<strong>care</strong> IndustryADCO Membership ProgramsWHAT COULD A DATA OR PRIVACYBREACH COST YOU?By: Deborah Gibson, B.A., CIP.Can you quantify thecost to your school’sreputation from the impactof los<strong>in</strong>g confidential <strong>in</strong><strong>for</strong>mationof your staff, parents or<strong>child</strong>ren?Statistics will show that 74%of small to mid-size companieswill be targeted <strong>for</strong> cyber-crime.Some 42% have lost confidentialand private data. A further studyhas shown that 96% of breachescould have been avoided withouthav<strong>in</strong>g difficult or expensiveprotocols <strong>in</strong> place. The Prov<strong>in</strong>ceof Alberta has legislated that abreach be responded to wit noticeto those affected by the breachwhile Ontario has mandated notificationonly <strong>in</strong> areas of healthdata breaches to date. Bill C-12is a federal amendment to PIPE-DA that addresses a notificationcomponent.Cyber <strong>in</strong>surance is not justabout PIPEDA! It is about digitalasset expenses <strong>in</strong>curred as a resultof corruption, damage or destructioncaused by a network security<strong>in</strong>cident. This type of expense reimbursementcoverage is excludedfrom most policies today.Private schools and <strong>child</strong><strong>care</strong>sare subject to legislationfrom the M<strong>in</strong>istry of Education,Human Rights, Health and Safetyas well as professional misconductfrom discipl<strong>in</strong>ary Colleges.When a breach occurs, theremay be written notification requiredto the affected parties ofthe breach.If you are still not conv<strong>in</strong>cedthat this is a potential threat toyour school or centre, ask yourselfif the follow<strong>in</strong>g examples are potentialrisks: Miss<strong>in</strong>g, stolen or misplacedlaptop or peripheral conta<strong>in</strong><strong>in</strong>gstaff or students and/ortheir parent’s private <strong>in</strong><strong>for</strong>mationlike social <strong>in</strong>surance numbers,credit card <strong>in</strong><strong>for</strong>mation,health conditions or academicper<strong>for</strong>mance. Erroneous mail<strong>in</strong>g, fax<strong>in</strong>g oremail<strong>in</strong>g of confidential <strong>in</strong><strong>for</strong>mationto another party thatcauses harm or quantifiableconsequences. Improper document or equipmentdisposal or destruction. If parents do not pay by creditcard, where do copies of recordedcheques get stored?Newly <strong>in</strong>troduced, as an enhancement<strong>for</strong> 2012 program renewal,CCV Insurance is pleasedto announce cyber <strong>in</strong>suranceoptions through Northbridge Insurance.An automatic limitwill accompany all renewals <strong>in</strong>the Fall of 2012 and options topurchase higher limits will alsobe available. Prior renewals willhave coverage “read <strong>in</strong>” at theautomatic limit.CCV Insurance & F<strong>in</strong>ancialServices, <strong>in</strong> partnership withNorthbridge Insurance cont<strong>in</strong>ueto be at the <strong>for</strong>efront ofSchool and Child<strong>care</strong> <strong>in</strong>surancesolutions ensur<strong>in</strong>g any potentialbreach does not have to be acostly one.This literature is descriptive only.The precise coverage af<strong>for</strong>ded issubject to the terms, conditions andexclusions of the policy issued. Forfurther <strong>in</strong><strong>for</strong>mation, please contactdgibson@ccv<strong>in</strong>surance.com“Cyber <strong>in</strong>surance is not just about PIPEDA. It is about digital asset expenses <strong>in</strong>curredas a result of corruption, damage or destruction caused by a network security <strong>in</strong>cident.This type of expense reimbursement coverage is excluded from most policies today."SUMMER/BACK TO SCHOOL 2012 • Child<strong>care</strong>TODAY 15

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