Have you ever gotten mad about a bad customer service experience or the neighbor who leaves trash everywhere and go to social media (Facebook, Yelp, Google, etc.) to vent?
For anyone who posts publicly on social media, you will want to add the Personal Injury Endorsement on your Homeowners Insurance policy.
However, the typical homeowner’s insurance policy does not cover personal injury issues – which can include stuff like false arrest, wrongful eviction or entry, invasion or violation of privacy, and yes, slander and defamation. But add a personal liability endorsement, and your homeowner’s coverage extends to any emotional damages you might be sued for. Typically, such an endorsement will also pay the legal costs of defending yourself in the event of a law suit.
Tips for safe social media use
- Think before you post, text, or email. Could this information be used against you in some form later? Did you send it to your intended audience?
- Establish stringent privacy settings, and review and update them frequently.
- Don’t post your personal information like your physical address, phone numbers or date of birth, etc.
- Limit or avoid your use of location-based check-in options on social networking sites.
- Don’t brag about embarrassing things you have done. You never know who is monitoring.
- Don’t post work related information on personal pages, especially client details or project specifics.
- Stay away from social media when you are inebriated or angry.
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