Forum Insurance

Hello,
I am based in the UK and run a number of forums.

I have recently tried to get some sort of liability insurance cover for my company - which is the owner/operator of the forums and I am finding this very difficult.

I basically want a policy that would cover me for any legal costs for slander and libel which may occur as the forums grow.

I was wondering if other Big Board owners have insurance and if anyone can recommend any forum friendly insurers?

Thanks for any advice,
Bob

[0tolerance]

Just get an air tight User agreement and TOS and you should be right.

[hotcouponworld]

I am in a business law class this term for my master's degree program and I asked my instructor about this. His comment was that the litigant would have much to prove that they were somehow financially harmed by your board.

He agreed that TOS was very important and needed to be tightly written to include things like a choice of law clause (we have this - it says if you want to sling it out in court, you have to do it on my turf). That, in a US court, will hold water, so now the person suing you has to come to your backyard to get it done. That's a deterrent in and of itself.

We're still looking into an error and omissions type policy, but I agree with the poster who said a tight TOS also affords lots of protection as well.

People have to remember that the internet isn't public. They are coming to your privately-held place of business, and your rules get to apply.

I would also recommend if you are writing your own TOS to include a clause that if any of your TOS is found to be unenforcable, that it doesn't devoid the rest of the TOS which is. Then that way, the whole TOS can't be thrown out, just the clause that isn't legally binding.

[iogames]

Originally Posted by hotcouponworld

I am in a business law class this term for my master's degree program and I asked my instructor about this. His comment was that the litigant would have much to prove that they were somehow financially harmed by your board.

Did you ask Him about harassment? Pedophile? Scam?