Millions of people around the world use social media to enrich their lives. It’s undeniably enjoyable to scroll through pictures of exotic locations, daydream about fancy kitchen renovations, and keep up with trending topics. However, social media has a dark side, and it’s very easy to accidentally comment in a way that a person might not necessarily do in a face-to-face conversation. Considering that slander and libel are two actionable offenses, it’s worth considering carrying umbrella insurance, available through Everett Insurance in Glen Allen, VA. This specialty insurance may offer some protection against more than just physical mishaps.

How Umbrella Insurance Applies to Defamation

Umbrella insurance is designed to extend liability coverage beyond home and auto policies. Many policies include personal liability coverage for defamation, meaning that your umbrella insurance could help cover legal defense costs and settlements if someone sues you over a social media post. Coverage varies, so working with your representative to determine your needs is important.

What Is and Isn’t Covered?

If your policy includes personal injury coverage, it may protect you in cases where an individual claims you damaged their reputation through social media. This could apply to posts, comments, or even shares that are considered defamatory. However, umbrella insurance won’t cover intentional harm—if the post was knowingly false or meant to cause damage, the insurer may deny the claim. Business-related lawsuits, such as defamation linked to a professional account, are also typically excluded.

While lawsuits over social media posts are rare, they do happen, and legal fees can be costly. While being mindful of what you post online is the best way to avoid legal issues, umbrella insurance through Everett Insurance in Glen Allen, VA, may offer peace of mind if an unexpected legal complication does arise.