Why You Need Personal Offense Coverage

In today’s digital world, slander and libel lawsuits are more common than you may think. Comments made in haste or anger on social media can have lasting and far-reaching effects on a person’s reputation or character, so it’s easier than ever to libel, slander, or invade a person’s privacy. Even if you apologize, you can still be sued.

What’s more, posts or other online comments made by a minor can also be subject to a lawsuit. Consider the scenario of a frustrated child writing false comments about a coach—the parents can be held liable for thousands in legal fees.

What Personal Offense Insurance Covers

While personal offense coverage is included with some policies, it is optional for most coverage levels. This coverage offers you broad protection against a variety of lawsuits and damages related to:

• False arrest, detention, or imprisonment
• Malicious prosecution
• Libel, slander, or defamation of character
• Invasion of privacy
• Wrongful eviction or entry

To assess your risk and to learn more about this valuable yet often overlooked coverage option, give us a call today.