Libel
Libel is published false statements that damage someone's reputation, covered under personal and advertising injury in general liability policies.
What You Need to Know
If your restaurant publishes false negative statements about a competitor in your marketing materials, social media, or advertising, you can be sued for libel. Your general liability policy covers these claims.
Why It Matters for Restaurant Owners
In today's digital age, libel claims are increasingly common as restaurants market aggressively on social media. Be careful making comparative claims about competitors, posting negative statements about former employees, or sharing unverified information about other businesses.
Even if you believe statements are true, you can be sued, and legal defense costs are substantial. Your CGL policy covers both defense and damages, but avoiding risky communications is always better than relying on insurance.
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