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Invasion of privacy covers everything from pictures you post on your blog to cameras in fitting rooms.
If you're a victim, you can file a lawsuit against the person responsible and recover damages.
However, what if you or someone in your home is the perpetrator? Umbrella insurance provides the peace of mind you need as you protect yourself against lawsuits that result after an invasion of privacy.
What is Invasion of Privacy?
When you intrude into someone's life without a reasonable and just cause, you've invaded their privacy, even if you committed the act accidentally.
Invasion of privacy includes:
- Meddling in private affairs
- Intruding on someone's solitude
- Disclosing an embarrassing and private information
- Sharing things that are false and demeaning
- Using someone's picture or name for your personal advantage
Where do you Have a Right to Privacy?
Everyone expects to have privacy in their own home.
People also expect privacy in places where they believe they can undress without being filmed or photographed and places where they believe they're safe from hostile surveillance or intrusion.
Who Has to Worry About Invasion of Privacy?
Public figures, including celebrities, volunteer for the spotlight and typically receive less protection for invasion of privacy claims.
Normal people, though, don't expect strangers to be in their business, so you should be careful about your actions and those of family members.
Whether you're a landlord, on a civic organization board, or someone who uses the Internet, a private act can lead to a claim such as those covered under Internet Privacy Violations Insurance.
How Does Umbrella Insurance Protect Your Privacy?
Say you post on your blog a private fact about a neighbor or use someone's name to promote your business even though that person did not give permission.
In both cases, you could be sued for invasion of privacy and face expensive legal costs and potential damages.
Your umbrella policy can extend liability limits and may help cover costs arising from these claims, similar to protections described under Personal Umbrella Insurance and policies for related claims such as Personal Injury Umbrella Insurance.
Discuss umbrella insurance — discuss with an agent today to confirm what your policy covers and any exclusions that may apply.
Frequently Asked Questions
Can posting about someone online be considered an invasion of privacy?
Yes—sharing private facts or false, damaging statements online can lead to invasion of privacy claims if the information is private and not of legitimate public concern.
Will my homeowner or renter policy cover an invasion of privacy claim?
Standard policies may provide some liability protection, but umbrella insurance often adds higher limits and broader coverage for personal liability claims.
Does it matter if the invasion was accidental?
Accidental intrusions can still give rise to claims; intent is not always required for civil liability in privacy cases.
What steps should I take if someone sues me for invasion of privacy?
Notify your insurer promptly, preserve records related to the incident, and follow the insurer's guidance while seeking legal representation if needed.