{"id":1298,"date":"2019-07-15T05:07:56","date_gmt":"2019-07-15T11:07:56","guid":{"rendered":"https:\/\/www.insuringky.com\/blog\/?p=1298"},"modified":"2019-07-01T11:15:01","modified_gmt":"2019-07-01T17:15:01","slug":"social-media-liability-part-2","status":"publish","type":"post","link":"https:\/\/www.insuringky.com\/blog\/social-media-liability-part-2\/","title":{"rendered":"Social Media Liability-Part 2"},"content":{"rendered":"\n
\"Social
Just because it’s new doesn’t mean you aren’t exposed<\/figcaption><\/figure><\/div>\n\n\n\n

See part 1 which discusses the\nmeaning of social media liability.<\/p>\n\n\n\n

Social media liability claims can be\ncomplicated and expensive since they may involve historical postings. In these\ninstances, defense costs may include electronic discovery or subpoenaing\ninformation from any applicable social networking sites. Expenses could expand\nif a party filing a lawsuit demands information beyond a post to one particular\nsite to include posts made on all the social networking sites where a defendant\nholds an account.<\/p>\n\n\n\n

Depending on the nature of the\nclaim, the insured may be faced with multiple lawsuits in multiple\njurisdictions including outside the United States. Defense costs may\nreflect extensive jurisdictional and venue disputes that have to be handled\n(and paid for) even before determining if that claim is eligible for coverage.<\/p>\n\n\n\n

Another issue is the problem of\nhandling intentional (deliberate) acts. They are routinely excluded by most\ninsurance policies. An insurance company may choose to deny either legally\ndefending and\/or responding to a lawsuit because, in its opinion, the\npolicyholder had full knowledge that published information was false or that an\nact was an invasion of privacy.<\/p>\n\n\n\n

Social media liability is not a\ncommon term so insurance policies generally refer to the traditional terms of\n“personal and advertising injury” and extending this traditional\ncoverage to social media and the Internet. Social media makes it easier to\nlibel, slander or invade a person’s privacy.<\/p>\n\n\n\n

Off-the-cuff comments that used to\nbe made at the water cooler or in the privacy of one’s home are now published\nnationwide or internationally. The result? Damages sought by a claim can be\nmore substantial because there are more people aware of the comments as compared\nto traditional situation.<\/p>\n\n\n\n

You must be aware of the legal\npotential in using social media and the claims that can result if defamatory\ncomments are made about family members, friends, exes, etc. There is no\nimmunity from lawsuits simply because such comments are commonly posted on\nsites such as Facebook or Twitter. <\/p>\n\n\n\n

Considering what is at stake,\nespecially for businesses, umbrella coverage is definitely recommended as an\nadditional source of protection. Umbrella coverage is also recommended for\nprolific social media users and bloggers. Although avoiding high-risk behavior\nis a simpler and more effective way to eliminate problems, it is unlikely that\nindividuals will avoid social media or blogging altogether. A more realistic\nexpectation may be that a person may inadvertently engage in behavior that\ncreates a claim. Individuals should evaluate the risk potential and realize\nthat coverage for social media liability may become a necessary part of\neveryday life, similar to auto insurance or home insurance.<\/p>\n\n\n\n

\n\n\n\n

COPYRIGHT: Insurance Publishing Plus, Inc. 2015<\/em><\/p>\n\n\n\n

All rights reserved. Production or distribution, whether in whole or in part, in any form of media or language; and no matter what country, state or territory, is expressly forbidden without the written consent of Insurance Publishing Plus, Inc.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

See part 1 which discusses the meaning of social media liability. Social media liability claims can be complicated and expensive since they may involve historical postings. In these instances, defense costs may include electronic discovery or subpoenaing information from any applicable social networking sites. Expenses could expand if a party filing a lawsuit demands information […]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[69],"tags":[1464,1439,1451,1449,1466,1463,1450,1465],"class_list":["post-1298","post","type-post","status-publish","format-standard","hentry","category-unmanned-aircraft","tag-how-to-reduce-your-risk-to-social-media","tag-libel-insurance","tag-slander-insurance","tag-social-media-insurance","tag-social-media-liability","tag-social-media-liability-insurance","tag-social-media-liablity","tag-where-to-buy-social-media-insurance"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.insuringky.com\/blog\/wp-json\/wp\/v2\/posts\/1298","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.insuringky.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.insuringky.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.insuringky.com\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.insuringky.com\/blog\/wp-json\/wp\/v2\/comments?post=1298"}],"version-history":[{"count":1,"href":"https:\/\/www.insuringky.com\/blog\/wp-json\/wp\/v2\/posts\/1298\/revisions"}],"predecessor-version":[{"id":1299,"href":"https:\/\/www.insuringky.com\/blog\/wp-json\/wp\/v2\/posts\/1298\/revisions\/1299"}],"wp:attachment":[{"href":"https:\/\/www.insuringky.com\/blog\/wp-json\/wp\/v2\/media?parent=1298"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.insuringky.com\/blog\/wp-json\/wp\/v2\/categories?post=1298"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.insuringky.com\/blog\/wp-json\/wp\/v2\/tags?post=1298"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}