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The homeowners policy liability section covers only "bodily injury" and "property damage." Thus, any type of non-bodily injury such as personal injury is excluded without the attachment of a personal injury endorsement. 

personal liabilityExamples of personal injury claims include wrongful eviction, wrongful entry, and oral or written publication that injures a party's reputation. This latter event is becoming particularly problematic with the rapid growth in social media.  

Here are some tips to help you carefully manage personal injury loss exposures:

  • Exercise caution when posting on social media sites. Anything negative you share on the Internet is permanent. Avoid highly controversial subjects, sensitive political issues, or inflammatory remarks. Taking the high road is the best approach.
  • If you are blogging or communicating on social media, be careful that you have your facts straight. If it is a close call or a gray area, why say it at all? 
  • Exercise caution in the case of product disparagement. There are lawyers and business owners who are willing to threaten lawsuits when it comes to negative comments about their products. 
  • Provide strict ground rules for your children on social media and closely monitor their activities. Keep the computer in a public part of the home in order to closely watch their activities. Screen who your children "friend" on Facebook. Place strict limits on the amount of time your children spend online. Provide age-appropriate and concrete explanations of libel, slander, sexting, and their ramifications
  • If you are on a not-for-profit board, such as a home owners' association, exercise due care in dealing with others on sensitive matters. Be especially careful regarding newsletters that go out to the community. 
  • Procure a personal injury endorsement with sufficient limits to provide protection for a personal injury claim. But remember that this endorsement does not provide protection for business-related activities. Also, purchase a personal umbrella policy that provides higher liability limits for a variety of personal liability claims, including personal injury. 

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The information provided in these articles are only general descriptions and should not be relied upon as complete, correct or accurate for your specific situation. All coverage informaiton is subject to policy provisions, endorsements and may be  subject to your meeting underwriting qualifications. Murphy Insurance Agency is not engaged in rendering legal, accounting or other noninsurance professional services. Consult an appropriate professional for advice regarding your own situation.