I'm not sure when things changed and society decided that civility didn't matter.

That it was okay to say what we think and if everyone else didn't agree with our perspective, to shout louder and say vile things about them, their beliefs, their friends and their family. To ridicule them publicly or on social media, and to attack them mercilessly — either physically or verbally.

It's interesting that as a society, we're more attuned to this type of behavior in children and we're quick to condemn it, but what about adults who are bullies?

Sadly, I've worked for some of them at previous jobs. And just like I stood up to the neighborhood bully when I was 14, I chose to stand up to these individuals as well. I've been sworn at, accused of some pretty unspeakable things, and threatened. Some bullies back down if you don't cower to them, but not everyone has the fortitude to stand up to this type of behavior.

|

Why bullying matters to insurers

Why does this matter to insurers? For several reasons. First, because your companies and clients should have a written policy and grievance procedure for handling these types of claims in the workplace, especially when the person doing the bullying is the supervisor of the victim.

Second, claims arising from bullying and the duty to defend or possibly indemnify a client fall under employment practices liability for a carrier.

Third, because the courts are starting to take notice and hold schools and employers liable when teachers, students, co-workers and supervisors engage in bullying behavior. In a landmark decision earlier this year, a coroner's jury found Dairy Queen and the Glasgow County Missouri School District were negligent in preventing the bullying of a student who took his own life because of the treatment he suffered at school from classmates and at work from his supervisor.

|

Recognize the warning signs

For employers, it's important that they also recognize the warning signs of this type of behavior before it escalates. A change in a worker's home life such as a divorce or break up, financial challenges, or some type of alcohol or substance abuse can lead to bullying behaviors too. Kathleen Bonczyk's article, “The legal exposures of bullying claims,” examines these issues and what insurers need to know.

Insurance is about mitigating risks, and education plays a major role in preventing these threats. We can do our part to educate our employees and clients — watching our own words and actions probably wouldn't hurt either.

Patricia L. Harman is the editor-in-chief of Claims magazine. She can be reached at [email protected]. Opinions expressed are the author's own. 

Want to continue reading?
Become a Free PropertyCasualty360 Digital Reader

Your access to unlimited PropertyCasualty360 content isn’t changing.
Once you are an ALM digital member, you’ll receive:

  • Breaking insurance news and analysis, on-site and via our newsletters and custom alerts
  • Weekly Insurance Speak podcast featuring exclusive interviews with industry leaders
  • Educational webcasts, white papers, and ebooks from industry thought leaders
  • Critical converage of the employee benefits and financial advisory markets on our other ALM sites, BenefitsPRO and ThinkAdvisor
NOT FOR REPRINT

© 2024 ALM Global, LLC, All Rights Reserved. Request academic re-use from www.copyright.com. All other uses, submit a request to [email protected]. For more information visit Asset & Logo Licensing.

Patricia L. Harman

Patricia L. Harman is the editor-in-chief of Claims magazine, a contributing editor to PropertyCasualty360.com, and chairs the annual America's Claims Event (ACE), which focuses on providing claims professionals with cutting-edge education and networking opportunities. She covers auto, property & casualty, workers' compensation, fraud, risk and cybersecurity, and is a frequent speaker at insurance industry events. Contact her at [email protected]