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While bullying is nothing new to tweens and teens, cyberbullying takes the hurt a step further by transacting the cruelty over the internet and cell phones, where the events can either be more private (with disappearing posts) or more public (such as spreading rumors to a wide audience). Cyberbullying can take many forms, including:*

  • Sending a mean email, IM, or video to someone
  • Posting mean things about someone on a website or app
  • Making fun of someone in an online chat
  • Doing mean things to someone’s character in an online world
  • Creating a hostile environment in an online world or game
  • Impersonating someone online
  • Repeatedly texting someone to the point of harassment
  • Directly threatening or intimidating someone online or in a text
  • Starting rumors or spreading gossip online
  • Taking photos or video of someone and sharing it without their consent

What should you do if this happens to your child?

If you have Chubb cyber or homeowner’s insurance that covers cyberbullying, contact us immediately. We can help you and your child through what can be a traumatic time. As a Chubb client, you can get help with many of the following steps: 


  1. Make sure your child is (and feels) safe. Let your child know that you’re there for them, unconditionally, and that you want what they want – for the cyberbullying to stop.
  2. Listen to your child. Take the time to learn what happened and the context behind it. Don’t minimize the situation or make excuses for the aggressor.
  3. Document what happened. Print out or make screenshots of the evidence: conversations, text messages, pictures, or videos, and keep a record and notes of all incidents, including where they took place, how frequently they occurred, how severe they were, and any witnesses or third-parties involved.
  4. Work with your child’s school. All schools in the U.S. have a bullying policy and most include cyberbullying. Make sure you understand the policy and talk to an administrator about what happened.
  5. In most cases, do not contact the parents of the bully. By confronting the other parent, you may make things worse, as they may become defensive about their own child.
  6. Contact the content provider. All legitimate websites, apps, internet, and cell companies will have a Terms of Service that outlines violations such as cyberbullying. Contact the provider and report the issue.
  7. When physical threats are involved, contact the police. Most states have laws relating to online threats and your local, state or county law enforcement officials should be able to help you.
  8. If the bullying is based on race, sex, or disability, contact the Office of Civil Rights. The U.S. Department of Education takes these cases very seriously if children are limited in their ability to learn and thrive at school because of discrimination.
  9. Seek counseling. Your child may benefit from talking with a mental health professional. Kids may feel more comfortable talking to someone besides their parents. 
  10. Take steps to prevent it from happening again. If your child is being bullied through social media, you can set up privacy controls and block the bully from contacting your child.
Source: “What to do when your child is cyberbullied: Top ten tips for parents,” Cyberbullying Research Center, January 2015 
This document is advisory in nature and is offered as a resource to be used together with your professional insurance advisors in maintaining a loss prevention program. It is an overview only, and is not intended as a substitute for consultation with your insurance broker, or for legal, engineering or other professional advice.

Chubb is the marketing name used to refer to subsidiaries of Chubb Limited providing insurance and related services. For a list of these subsidiaries, please visit our website at Insurance provided by ACE American Insurance Company and its U.S. based Chubb underwriting company affiliates. All products may not be available in all states. This communication contains product summaries only. Coverage is subject to the language of the policies as actually issued. Surplus lines insurance sold only through licensed surplus lines producers. Chubb, 202 Hall's Mill Road, Whitehouse Station, NJ 08889-1600.