What is Cyberbullying Insurance : How to stop Cyberbullying Everything you should know about cyberbullying.

What Is Cyberbullying Or Cyberharassment

Cyberbullying is also known as cyberharassment. It is the way to bullying or harass people online. Cyberbullying is increasing continuously among the teenagers because the technology is become advance day by day. Cyberbullying is when someone, typically a teenager, bullies or harasses others on the internet and other digital spaces, particularly on social media sites.

Posting rumors, threats, sexual remarks, a victims’ personal information, or pejorative labels Bullying or harassment any many more are included in cyberbullying. The victims of cyberbullying may experience lower self-respect, increased suicidal ideation and thought various negative vibes like scared, frustrated, angry, or depressed.

According to the latest research, the 58 percent of kids admit to receiving hurtful comments online. About 75 percent of students have visited a website bashing another student, while about 70 percent of students report seeing frequent bullying online.

Is Cyberbullying illegal

Cyberbullying is very hot topic in present time. Yes, cyberbullying is illegal in every state or country. The cyberbullying results depends on many situations. Many cyberbullying cases wind up getting prosecuted as harassment. Some cases result in civil court, while others might warrant criminal charges and prosecution for hate crimes, impersonation, harassment, cyberbullying and violations under the Computer Fraud and Abuse Act.

There are many big laws for cyberbullying. After that, every state has their own rules for cyberbullying. Stopbullying.gov offers a state-by-state map to highlight the specific policies.

Cyberbullying Insurance And Chubb Insurance Limited

Nowadays, cyberbullying is a very important topic. Everyone should have the knowledge of cyberbullying because it is increasing continuously. Chubb was the first insurance company that provide the cyberbullying insurance. Chubb was situated in Switzerland from May 2004. Evan G. Greenberg is the CEO of Chubb limited  insurance company. There are 31000 employers works in this company.

Chubb limited added the cyberbullying coverage in 2016 to its policy to help cover clients and their families, who are suffering from cyberbullying incident. Chubb’s new cyberbullying coverage can help protect the people who are needy. Cyberbullying coverage provides up to $60,000 in compensation to clients and family members for expenses related to harassment and intimidation.

The insurance companies coverage provides compensation for psychiatric services, rest and recuperation expenses, lost salary, temporary relocation services, education expenses, professional public relations services, and cybersecurity consultants.

Cyberbullying Insurance In India

Cyberbullying is increasing continuously in India, but there is no special law for this and it is only getting worse with every passing day. There are some cyber laws though that cover some acts classified as cyberbullying in India.

Sec.66A – Sending offensive messages through communication service, etc.

Sec.66C – Identity Theft.

Sec.66D – Cheating by personation by using the computer resource.

Sec.66E – Violation of privacy.

Sec.67B – Punishment for publishing or transmitting of material depicting children in any sexually explicit act, etc. in electronic form.

Sec.72 – Breach of confidentiality and privacy.

Sec.503 Indian Penal Code (IPC) – Sending threatening messages through email.

Sec.509 IPC – Word, gesture or act intended to insult the modesty of a woman.

Sec.499 IPC – Sending defamatory messages through email.

Sec .500 IPC – Email Abuse.

Arbella Insurance Group

“Arbella is pleased to be one of the few companies in Massachusetts to offer cyberbullying protection as part of this coverage,” said Jim Hyatt, senior vice president of personal lines at Arbella. It covers costs incurred after a cyberbullying attack, including legal expenses, temporary relocation expenses or private tutoring.

How To Stop Cyberbullying

Parents, children, and school teachers can take steps to stop cyberbullying. Every parent should understand their children problems. Parents need to be the ones their kids go to when something is wrong. There are some most important things to stop cyberbullying-

1. Parents should keep the computer of their child in a common area of the home.

2. We should learn about various social networking apps and sites working algorithm.

3. We should talk with our family members and friends about the daily online issues for helping each others.

4. Parents should build the trust with their children.

5. Tell your children not to respond to any cyberbullying threats or comments online.

6. Don’t overreact by blaming your children.

7. Never threaten to take away your children’s phone or computer.

8. We should talk with our guidance counselors.

9. If there are threats of physical violence or the bullying continues to escalate, then we should contact with law.

10. Don’t respond to any unknown emails, app messages, or text messages.

11. If you are being bullied, tell an adult immediately to get help solving the problem.

12. Schools should add incorporate Internet Safety Awareness classes into the curriculum.

Examples Of Cyberbullying

In present time, there are many cases of cyberbullying. Here are some major examples of cyberbullying-

  1. Sending mean texts or IMs to someone.
  2. Pranking on someone’s cell phone.
  3. Hack someone’s gaming or social network account.
  4. Being rude or mean in an online game.
  5. Spreading secrets or rumors about people online.
  6. Spread hurtful messages online by using someone’s ID.
  7. Posting private or embarrassing photos online or sending them to others.
  8. Starting a website that rates someone’s appearance or popularity.
  9. Verbally abusing other players in multiplayer online games, Internet-connected console games and virtual worlds.
  10. Creating fake Facebook or Twitter accounts that ridicule someone.
  11. Stealing someone’s password and impersonating them online.
  12. Spreading gossip, secrets or rumors about another person that will damage that person’s reputation.
  13. Stealing someone’s data and sell that data for money.
  14. Creating blogs or websites that have stories, cartoons, pictures or jokes ridiculing others.
  15. Making violent threats.
  16. Making death threats.
  17. Sexting.
  18. Sexual Exploitation.
  19. Child pornography.
  20. Privacy Extortion.
  21. cyberbullying Insurance.

Also read:- How Cyber Security and Cyber Crimes Changed in last DECADE.

Also read:- How to spy on others Phones : And Top 5 Tools to SPY on Others.

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