Though there are many people that are under the impression they have a right to say anything they like online without suffering consequences or being sued for their opinions, in actuality, these types of lawsuits are much more common than you might realize.
Putting anything online is a risk. Anyone can potentially take what we post the wrong way, which can lead to hard feelings, even anger. Especially when you consider all the websites where you’re not only allowed, but actually encouraged to leave customer reviews. While often times, an apology is sufficient, there are times when the simple act of leaving a review can lead to a lawsuit. The expense of hiring an attorney to defend you, along with all the legal fees associated with being sued, makes it important to make sure you are protected. This is where personal offense coverage comes in.
Having an umbrella policy should help you with any out-of-pocket fees if you’re facing a defamation suit, though not every scenario will be covered by a personal umbrella policy. Some typical exclusions are:
- The libel or defamation suit you’re facing is against your company or business
- When the comment was made or written/posted, no policy was in place
- A false statement was made intentionally to defame a person or business
It's imperative to keep in mind that social media makes it easier to libel, slander, or invade a person’s privacy, as comments are published nationwide or internationally. As a result, any damages sustained by a claim due to anger are likely to be more substantial, as the comments will have a wider reach when compared to more traditional methods of reviewing businesses.
What’s more, comments made by a minor can subject their parent/guardian to a lawsuit. Take the following example:
Your daughter tries out for the basketball team and doesn’t even make JV. She is hurt and leaves a comment, falsely accusing the coach of purposely not placing her on a team. This comment then circulates social media and the coach sues you for potentially compromising his career.
Personal offense coverage is not only very affordable but can protect you in situations like this. Coverage includes:
- False Arrest
- Malicious Prosecution
- Defamation of Character
- Invasion of Privacy
- Wrongful Eviction
- Wrongful Entry
Give us a call at 720.335.6872 to quote it, add it, or talk about coverage!