Protecting Against Cyber Bullying Lawsuits with Insurance

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Cyber-mobbingBullying is a problem that occurs in schools around the country, but it is not limited to the educational system. Cases of bullying that take place online can be just as damaging to the mental health and well-being of young students. Watching video Mondays and staying up-to-date with the latest concerns that can arise is a key part of ensuring that a family will not face unnecessary financial challenges.

What is Cyber Bullying?

Before it is possible to protect against lawsuits and potential challenges that may arise, it is important to understand what cyber bullying is and how it can result in financial strife.

Any time that taunting, teasing, name-calling or other negative comments take place over the Internet, it is classified as cyber bullying. It can be dangerous because of the impact on the mind. Employers and parents should always take measures to obtain coverage that can help protect against liability lawsuits when bullying occurs.

Selecting Appropriate Insurance

Although a commercial insurance policy can provide some online liability protection, it may be useful for business owners to purchase an additional umbrella policy to protect against hearsay, cyber bullying and other malicious actions from employees.

Parents are also recommended to purchase an umbrella policy because bullying often occurs at school or between classmates. The coverage will help pay for any lawsuits that occurs, since it may not be possible to prevent every negative or hurtful comment that children, teenagers or employees make on their social media or instant messaging accounts.

Bullying is a dangerous problem, whether it takes place in person or over the Internet. As a parent or an employer, it is important to recognize the risks and take measures to protect against financial liability. To learn more about insurance options in Oakley, Northern California, contact Agers Insurance Services.