Tag Archives: liability

liable for internet slander

Could you be Guilty of Internet Slander? How to Cover your Assets with a Personal Umbrella

It’s very common  to take to the Internet when you have a negative experience with a business.

But could you be held liable for what you post online?

When one Dallas couple took to social media to fight a business grievance, it ended up costing them 1.08 million in damages.

It all started more than two years ago over a $125 disagreement between the couple and their wedding photographer. According to the lawsuit filed by the photographer, the couple used their social media platforms and the media as a “smear campaign,” to “destroy” her business.

The charges were defamation, disparagement, and civil conspiracy, and on August 2nd, “A Dallas County jury found… that social media posts made by Neely and Andrew Moldovan against photographer Andrea Polito amounted to defamation.”

Yikes.

It’s enough to give us pause about our own online activity, like Yelp reviews and Facebook posts.

A recent analysis on Yelp reviews found that out of the million studied, “12.8 percent were 1-star reviews.” The analysis also revealed that customers “tend to leave reviews based on their own personal feelings about their experience, rather than through an objective analysis.” This could be interpreted to mean that when reviews are based on emotions and subjective experiences rather than hard facts, they’re likely to have inaccuracies.

But can we be held liable for a negative social media post?

It’s very possible.

According to a Slate.com article, “Whether a person makes a defamatory statement on a blog, in a newspaper, or on Twitter or Facebook, he or she can be held legally liable for it.”  Furthermore, even “an email sent to a single person can be libelous.”

There is a distinction between slandering a public or private figure. In regards to public figures, “malice” must be proven, but, “In order to be liable for libel against a private figure, a person must have simply been negligent, which means not acting with a reasonable level of care in making the statement in question.”

Even if our own online behavior is squeaky clean and we’re just posting family photos and funny cat videos, we could be held liable for our kid’s online behavior, too.

Your home insurance can include personal injury, and while it’s not standard on most policies, it can be added on and it includes liability. Another option is to have an umbrella policy for this type of liability protection as it covers everything on the under line.

If you have questions about your current policies or you’d like to learn more about adding an umbrella policy to your existing coverage, please contact Cappuccino Insurance.

How-Much-Apartment-Can-You-Afford

Moving This Spring? Make Sure To Invest In The Right Insurance

Renter’s Insurance Coverage

Spring is the perfect time to find a new place to rent. No matter if you are searching for an apartment or a house to rent, you should also start looking for the right renter’s insurance policy to ensure that your new home is properly protected in case of any disaster.

Typical renter’s insurance policies have three main coverage options, including:

  • Personal property coverage – the insurance policy that your landlord has for your home will only provide coverage for the structure, not for any of your personal belongings that you keep inside. The personal property coverage that is provided by a renter’s insurance policy will provide protection in case your assets are stolen, damaged, or destroyed by a covered peril, such as a fire. If you have any valuable belongings, you may want to consider scheduling the items within your policy, which will provide additional coverage.
  • Liability coverage – the liability portion of your renter’s insurance will provide protection in case someone is injured while visiting your home. It will cover any legal expenses if they decide to sue you after the accident, as well as any medical bills that are associated with the accident. If you do not have liability coverage, your assets and savings may be put at risk after someone is injured at your home.
  • Coverage for additional living expenses – if your rental home is uninhabitable after a disaster, additional living expensive coverage will pay for a temporary living situation, such as if you have to move into a hotel. The coverage will also pay for any additional costs that are associated with having to move out, such as restaurant bills if you do not have a kitchen to cook in.

For all of your renter’s insurance needs when finding the perfect Conejo Valley home this spring, contact Cappuccino Insurance Agency in Westlake Village, California.