We love our smartphones and the unencumbered access to social media they provide. However, our negligent use of these technologies can inadvertently lead to lawsuits for libel, defamation, slander and cyberbullying.

Many parents are unaware of the online hazards they and their children confront. Personal litigation for children bullying other children is on an upswing, as are cases involving students writing defamatory comments about teachers and each other. Parents are suing other parents and the school, and schools are suing parents.

According to the National Human Trafficking Resource Center, online recruiting is the third most productive method for luring young women and girls into prostitution. "These are the kinds of exposures that people don't like to think about, yet parents must intervene to have serious discussions with their children about what they're doing on social media," noted Kim Lucarelli, senior vice president and director of sales at insurance broker Oswald Companies.

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