Cover Personal Injury Loss Exposures

July 13, 2016||inPersonal Insurance|homeowners insurance, personal injury, personal insurance

A homeowners policy liability section covers only “bodily injury” and “property damage.” Thus, any non-bodily injury, such as personal injury, is excluded without attaching a personal injury endorsement.

Examples 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.

Cover Personal Injury Loss Exposures
Click here to submit an inquiry to Murphy Insurance or call us at 800 222 8711

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.
  • Be sure to have your facts straight if you blog or communicate on social media. Why say it if it is a close call or a gray area?
  • 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 to closely watch their activities—screen with whom your children are “friends” 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.
  • Exercise due care in dealing with others on sensitive matters if you are on a not-for-profit board, such as a homeowners’ association. Be especially careful regarding newsletters that go out to the community.
  • Procure a personal injury endorsement with sufficient limits to protect a personal injury claim. However, remember that this endorsement does not protect business-related activities. Also, purchase a personal umbrella policy that provides higher liability limits for various personal liability claims, including personal injury.

Read Other Blog Posts

Contractor

Avoiding Contractor Fraud

It’s important to stay informed when dealing with contractors to reduce the risk of contractor fraud. Use these tips to avoid contractor fraud concerns.
Read more
Car tire side-view

Common Auto Insurance Terms

Auto insurance can be confusing at times. Policies often contain a variety of terms that can be difficult to understand, especially for someone without a background in insurance. The following is a list of common auto insurance terms to keep in mind the next time you meet with your insurance broker.
Read more
Toast

Holiday party etiquette & serving alcohol

Read more
What is Your Jewelry Worth? When Should You Update Appraisals?

What is Your Jewelry Worth? When Should You Update Appraisals?

Valentine’s Day approaches, often marked by the exchange of jewelry as a symbol of love. While insuring every piece may not be practical, it's advisable to consider insurance for expensive items, particularly those worn frequently.
Read more
Car on road

Gap Insurance

Car owners often assume that if their car is totaled, it will be replaced at the amount they paid, or at least the amount they owe. However, that’s not always the case — learn why and what you can do to protect yourself.
Read more
Car outside of garage

Vehicle Storage Tips During Winter

As winter approaches, it’s time to think about safely storing your recreational vehicle to avoid damage from the harsh weather and roads. Utilize the following guidance to properly prepare and store your vehicle this winter.
Read more
Car stopped for pedestrian

Quiet Vehicles and Pedestrian Safety

Electric cars continue to make headlines, but anyone who’s had such a vehicle sneak up behind them while on foot knows how quiet they are. These vehicles, along with hybrid cars, run much more quietly than gas-powered cars—posing a serious risk to unaware pedestrians.
Read more
Wood-burning Stove

Wood-burning Stove Safety

The top source of fires in American homes comes from fuel-burning appliances—such as a wood-burning stove. Consider the following guidance to ensure safe operation of your stove—keeping you, your family and your home protected against the risk of a fire.
Read more
Outside lightbulbs

How to Reduce Winter Utility Bills

When outside temperatures begin to drop, one of the most costly consequences is the increased energy it takes to maintain a comfortable home temperature. With this in mind, consider these tips to reduce your monthly utility bills in the winter.
Read more

Visit Our Homeowners Insurance Page

Homeowners Insurance

At Murphy Insurance, we take great care in assessing your options for homeowners insurance to ensure you receive the most favorable value. Our dedication to serving you entails collaborating with highly rated insurance providers and conducting comprehensive assessments of available choices. We aim to achieve the ideal equilibrium between affordability and coverage that suits your needs. Please let us provide you with a customized homeowners insurance quote.

Visit Our Personal Insurance Page

Personal Insurance

Life is an ever-changing journey, and it deserves a thoughtful, comprehensive plan to protect the things and people that matter most. Our dedicated team at Murphy Insurance is here to assist you in creating that plan. With a wide range of product options at our disposal, we ensure that your plan is tailored precisely to your requirements. Our commitment to providing clear, intelligent guidance to help you achieve true peace of mind. Learn more about our personal insurance portfolio.