Published: 14 Jun 2018
Children’s online activities not only have implications for cyber security but can also create liability exposures.
Cyber risk has made headlines recently, and I want to draw attention to some of the private risks we face at home – in particular how children of affluent families can be at risk.
“Personal litigation for children bullying other children is on an upswing” – Property & Casualty 360, June 2016
In the US, issues like cyber-bullying are increasingly moving to litigation – particularly where a link can be drawn to subsequent self-harm. And families with apparently deep pockets are more likely to be a target. Online activities are almost impossible to police; the best risk management lies in conversation – read on for our 10 suggested topics.
Ten Talking Points For Managing Cyber Risks
Cyberbullying can be as seemingly naive as 10-year-old Jimmy group-texting his pals that 10-year-old Maya is “ugly and stupid.” But if Jimmy continues to make such hurtful comments, and Maya physically harms herself because of them, his parents may be liable for defamation, not to mention Maya’s emotional distress, sleeplessness, anxiety and worse.
Though there are several apps for monitoring children’s social media activity, it’s almost impossible to police. But you can TALK through the risks and explain that more affluent families may be at higher risk of being sued if they’re perceived to have deep pockets. If you’re short of ideas, Google the names of the apps your kids use plus the word “dangers”…
And discuss practical ways to stay safe, including:
Let your children teach you about the apps they like to use and why. Help them make smart decisions to keep themselves and their reputations and families safe.
We work with a number of specialist advisers in the cyber risks arena – do let us know if you need any assistance. To talk through the Liability and Legal Expenses cover in your home insurance, just or call 646 665 7737 or email [email protected]
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