BEACON TRANSCRIPT – Nowadays, insurance companies offer all sorts of protection, but things are taken to another level when UK company offers troll insurance.
No, troll doesn’t refer to a fantastic creature that’s very big, gross and eats unicorns, but to the activity many internet users seem to be enjoying, which is trolling or cyberbullying. Although there are people enjoying this, and by people I mean bullies, the ones who do the ‘trolling’, people who are getting bullied online are not so happy about it.
The phenomenon is quite popular and it mostly covers social media like Facebook or Twitter. What happens is that people start bullying others either anonymously or not trying to hurt them or their image. Trolling can mean sending hate messaged, public abuse on forums, hate posts and tweets, including photos or videos. One of the worst case scenarios from online abuse is ‘swatting’.
This is a type of trolling that is more common among teenage gamers. The troll or bully files an anonymous report to the police against a fellow gamer. The purpose is to get a SWAT team raid their rival’s house while they are livestreaming their play.
Swatting is actually gone too far, so far it is now considered ‘domestic terrorsim’. This is why a 15 year old teen was sentenced to federal prison for 25 years because he ‘swatted’ another gamer.
Because cyberbullying is now a real issue that’s taken seriously, insurance can help to repair the situation. Trolling can lead not only to destruction of reputations but also fear for your own safety and even psychological damage.
Chubb, the UK insurance company that wants to deal with the problem is including online threats against a person into their personal insurance policies. The insurance will cover therapy with up to $75,000 and is available to UK residents. Furthermore, there is a chance that the company will partner up with other companies that will help you clean your reputation or forensic experts who will track down the troll. In the worst case scenario, for example when you fear someone might come into your house because they posted your address online, the company may even cover some relocation costs. Also, if because of cyberbullying you happen to lose your job, you could be entitled to compensation.
The new ‘troll’ insurance policy will be available starting January 2016 and will hopefully help with cyberbullying problems.
Image source: www.bing.com