A cyberbullied student stressed and sitting at his desk with his head down in front of his computer

Examples of cyberbullying and insurance claims

What is cyberbullying coverage?

Cyberbullying coverage pays for the costs an individual may incur as the victim of a cyberbullying attack. These costs can include psychiatric counselling services; legal expenses; temporary relocation expenses; temporary private tutoring and enrollment expenses; professional cybersecurity consultation services; social monitoring software and web-based products to prevent further bullying.

HSB claim examples

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

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

Cyberbullying coverage is included in HSB's Home Cyber Protection