IDentity Theft 911 Releases Best Practice Guide to Managing Cyber Lawsuits in Personal Lines

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Whitepaper Designed to Guide Insurance Providers in Alerting Policyholders to Address Growing Risk

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IDentity Theft 911 today released a whitepaper designed to help personal lines insurance carriers tackle the issue of lawsuits stemming from electronic aggression, like cyberbullying. Titled "Minor Electronic Acts Liability Guide: A Best Practice Guide to Managing Electronic Aggression Exposure in Personal Lines", the whitepaper explains minor electronic acts liability and offers three options for providing coverage: a restricted policy, a semi-restricted policy, and a non-restricted policy.

Concerned for their children’s welfare, parents of cyberbullying victims are seeking recourse through the courts. As a result, such lawsuits led to verdicts with awards totaling $87 million in 2012, and all signs indicate that legal activity will only escalate. When parents are held liable for their children’s cyber wrongdoings, the first place they look to see if they’re covered is their homeowners’ insurance policy and/or umbrella policy. Insurance companies are left asking themselves if their policies are built to withstand a claim from a homeowner who has been sued for electronic aggression.

Personal lines insurers are left with determining how, or if they want to cover, personal injury claims related to the use of electronic media, like social networking sites, email, blogs, and other digital forums. Depending on the coverages purchased or the policy language in place, parents could be left unprotected in the event a minor in their household is accused of cyberbullying.

"From 2003 to 2007, the proliferation of social networks has increased the number of known defamation lawsuits by electronic means by nearly 800 percent," said Matt Cullina, CEO, IDentity Theft 911. "Personal lines insurance carriers must tackle this issue head-on and ask themselves if their policies are built to withstand a claim from a homeowner who has been sued for digital misconduct. We designed this whitepaper as an easy-to-read reference guide for insurance carriers to determine which coverage options are the best fit for them and their policyholders."

To download the whitepaper or listen to the pre-recorded webinar explaining the whitepaper, please visit

About IDentity Theft 911®
Founded in 2003, IDentity Theft 911 is the nation’s premier consultative provider of identity and data risk management, resolution and education services. The company serves 17.5 million households across the country and provides fraud solutions for a range of organizations, including Fortune 500 companies, the country’s largest insurance companies, corporate benefit providers, banks and credit unions and membership organizations. In addition, the company provides preventative and breach response services to more than 600,000 businesses. IDentity Theft 911 is the proud recipient of several awards, including the Stevie Award for Sales and Customer Service and the Parent Tested, Parent Approved award for social networking monitoring tool SocialScout. For more information, please visit, and

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