Examples of cyberbullying and insurance claims
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What is cyberbullying coverage?
HSB claim examples
Claim scenario #1
What happened
A student was distraught when she found a website containing pictures and comments about her personal appearance suggesting she was an embarrassment to the school. The student was devastated and told her mother. Her mother spoke to one of the bullies' parents hoping this would stop. A week later, the student checked the website and saw rumours were being spread about her. Her mother went directly to the school principal and law enforcement. The student's mother obtained a lawyer and pulled the student out of school to study with a tutor.
How we responded
The costs for the lawyer and tutor were reimbursed. Coverage was also provided for the associated fees to switch schools.
Losses paid under Home Cyber Protection
Cyber Bullying
Total Loss $15,264
Claim scenario #2
What happened
A student had her personal belongings stolen by her classmates. The student reported the incident to her school’s principal. The student later received text messages calling her a snitch. The threatening messaging continued for several weeks. The student’s schoolwork was affected, and she later became depressed. The student’s parents helped their daughter complete a police report for the incidents. The student required a tutor while she waited to begin classes at a new school.
How we responded
The costs associated with counselling, tutoring, and changing schools were reimbursed.
Losses paid under Home Cyber Protection
Cyber Bullying
Total Loss $5,200
