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Social media: Speak your mind, but mind your content

Many insureds don’t realize the ramifications of their “speaking/commenting/linking” onto other sites and blogs, and how they need coverage for this “content” and to set out protocols and procedures for their employees.

By Jennifer Dumont | Updated on March 16, 2011

As we learn to weave Facebook, Twitter and LinkedIn into our daily business practices, we are able to share all our thoughts and comments and promote our services to the universe. What we need to remember when adding comments and posting for all to see is that we must mind our content.

Some insurance carriers are now adding coverage to their professional and employment practices policies to cover exposures stemming from social marketing. This optional insurance specifies coverage for content under the control of the named insured but hosted by a third party like Facebook or Twitter. Coverage for the named insured for comments posted on these sites would also be covered. Many business owners have websites with links to Facebook and other social networks and are listed on those sites. Employment practices liability (EPL) policies have also expanded their coverage for employment-related lawsuits from allegations of workplace bullying.

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