Whether you are a museum, a foundation for education or fighting poverty on the streets you will always need general liability insurance. This type of coverage is meant to cover a broad spectrum such as negligence that leads to third party injuries or property damage. This would cover expenses associated with such an incident, regardless of the outcome of your case.
Customer phone numbers, billing addresses and payment info could all be potentially stored online and therefore need cyber insurance. This insurance protects against potential breaches of cyberspace such as data destruction, extortion, theft, hacking and denial of service attacks.