Such insurance should cover the role of the owner as a host.Online relationships pose potential legal liability that an owner should consider insuring against.
The costs associated with claims made against an owner can be staggering even if the claims are baseless.
Any business that operates a web site, chat room, discussion area and otherwise engages in online activities is potentially vulnerable to claims and all those businesses should strongly consider such insurance.
Thus, in this article I will refer to the operator of such businesses as the owner.
Owners everywhere should seek out such insurance and have any policy reviewed by the owners attorney.
Not all policies are created equal and there may be gaps in coverage in one policy versus another.