Slander and Libel Insurance
Slander and libel is also known as defamation of character and defamation can have very harsh consequences on an individual. Defamation is done when false information is relayed about an individual or any entity.
Slander is done when the defamation is spoken, while libel occurs when the defamation is written or physically seen. If a person is accused of slander and/or libel, it is important to have slander and libel insurance. This is especially true of those in the publishing industry who may publish things about a person that could defame their character. Tabloids, especially, tend to carry slander and libel insurance because celebrities may accuse them of defaming their character. Amazingly enough, these types of lawsuits usually do not occur due to the fact that most everyone knows what tabloids are all about. The tabloids, however, do remain insured just in case.
A business can be accused of slander and libel. It may possible that an employee accuses the business of saying things about them that the business shouldn't that led to defamation of their character. Although the burden of proof lies on the plaintiff, there are times in which the business could be found guilty and ordered to pay damages, just as in separate automobile coverage and damages to an individual's car. Many times, it does not matter who within the business says something or writes something. If someone associated with the business committed the deed, then the business is held responsible.
Unfortunately, businesses are unable to control everything that their employees say and do, although they will do all that they can to ensure that employees stick to a certain set of rules. Nevertheless, if there is any loophole found that shows any kind of negligence on the part of the business, this can be used against them.
If you are a business owner and one of your employees publicly says something about an individual or another business, then you need to make sure that you are insured to handle such an instance. If you are, then you will not have to pay from the pocket of your business to satisfy the damages that are done to a person or business's reputation. You can also preserve your own reputation by settling the issue rather than having to be involved in a public battle, and slander and libel insurance can help handle these costs.
Private Citizens can be held accountable for what they say and write just as businesses can be. A citizen that spreads rumors that defames a person's character can be held responsible. Even if you don't mean to do such a thing, sometimes the slightest things can be brought to a court of law and a person be taken to court for what they say.
Sometimes whether or not a person's character has been defamed through slander and libel is subject to interpretation. They have to prove that something was said about them that damaged their character. If we all could sue someone over simple rumors, we would all be a little richer off of one another.
Defamation of character has to do such things as compromise a person's job or position within an organization. What is said causes some kind of income loss in the present or income loss in the future. If someone goes around the neighborhood saying that a person is terrible at keeping your lawn trimmed, that is not considered slander. If the lawn is consistently not trimmed, then that can also be considered fact and the individual whose responsibility it is to trim the lawn is opening themselves up to such criticisms. If the statement is a lie, then it is obvious whether it is true or false.