Are Suits Against Defamation, Libel & Slander Covered By Umbrella Insurance Coverage?

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If someone makes unfounded statements against you, you have the right to defend your character and reputation against defamation, libel, and slander. However, doing so can require significant financial resources. This is where an umbrella insurance policy from Einstein Insurance in Portland, OR, can assist.

Understanding Defamation

From a legal perspective, defamation occurs when damage is caused to another person’s reputation through false statements presented as facts. If false claims are made against you, you can take action against them for damaging your character. To qualify as defamation, there are a few requirements:

  • False statements cannot be presented as opinions.
  • The accuser knowingly makes the false statement negligently.
  • The statement is made with a reckless disregard for the truth.
  • The person accusing you must show malicious intent if you are defending a case against you.

Defining Slander and Libel

Often used interchangeably, slander and libel are forms of defamation with their own distinct definitions. Libel involves defamatory statements made in writing or digitally. Slander refers to defamatory statements spoken orally, and this type of claim is challenging to prove without recorded evidence. Both libel and slander can be part of a defamation case.

How Umbrella Insurance Can Help

Umbrella coverage is an optional type of insurance that can be invaluable if someone attempts to defame your image or brand. Umbrella insurance can help with legal fees and any losses suffered due to the attack. If a case is brought against you, it can provide coverage for any judgments rendered against you by a judge or jury.

Einstein Insurance is Here to Help

Staying ahead of the game is crucial, especially if your reputation is vital to your livelihood, well-being, and those around you. Defamation lawsuits can be time-consuming and expensive, potentially involving lost wages and time spent in court, whether you are bringing the suit or someone is bringing a case against you. To learn more about the value of umbrella policies, contact Einstein Insurance in Portland, OR, today.