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Are Bullies Covered?

If an alleged teen bully is sued by the victim's family, will a standard Homeowners policy provide coverage for the parents?

By Diana B. Reitz, CPCU | Updated on January 06, 2012

Hardly a day goes by without a news story of someone being bullied—children, teenagers, and even adults both in and away from the workplace. Last week a situation was reported locally that involved a 15-year-old girl not only verbally bullying another teen but also physically beating her up. The bully even posted a video of the beating on YouTube. The next day the father of the assailant apologized publicly for his daughter’s action, reportedly saying he was “appalled that it was my child that did this.” 

Apologies aside, it is likely that the next chapter in this drama will be the parents of the victim suing the alleged bully and her family. Which brings us, of course, to the question of whether a Homeowners policy would defend a lawsuit against a child who is accused of bullying others and her parents.

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