Sharing your thoughts has never been easier—whether it’s through a social media post, a blog comment, or an online review. However, many people don’t realize that even an innocent opinion can sometimes lead to serious legal trouble. At DePaulo Agency in Scotia, NY, we often help clients understand how umbrella insurance can provide protection in situations like accidental defamation or libel claims.

What Is Defamation?

Defamation occurs when someone makes a false statement that harms another person’s reputation. If the statement is spoken, it’s called slander. If it’s written or posted online, it’s considered libel. While you may think you’d never say or post anything harmful, misunderstandings can happen—and lawsuits can follow.

How Umbrella Insurance Can Help

Most home and auto insurance policies include some liability coverage, but they often fall short when it comes to covering legal fees or settlements from a defamation lawsuit. Umbrella insurance acts as a financial safety net, providing additional liability coverage beyond your standard policies. If you’re ever accused of defamation or libel, umbrella insurance can help cover legal defense costs and potential damages, ensuring that one mistake doesn’t derail your financial stability.

Peace of Mind in a Connected World

In today’s highly connected world, words carry significant weight. Whether you’re leaving a review or posting on social media, it’s wise to have the proper protection in place—just in case. Umbrella insurance isn’t just for the wealthy; it’s for anyone who wants extra peace of mind in an unpredictable world.

Want to learn more about protecting yourself from unexpected liability? Contact DePaulo Agency in Scotia, NY, today. We’re here to help you stay covered, no matter what life—or the internet—throws your way.