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Mom Makes Website, Gets Sued for $2 Million

Posted by ScuttleMonkey on Sun Nov 13, 2005 04:04 PM
from the no-good-deed-goes-unpunished dept.
An anonymous reader writes "A Canadian stay-at-home mom of 3 recently created a website to report on environmental problems around her neighborhood. The general public and governmental workers lauded her for her efforts. The environmental Ministry spokesman was even quoted as saying 'Obviously we can't have staff everywhere all the time, so we depend on the public out there as surrogate eyes and ears for the ministry'. However, not everyone was quite as happy, as she soon found out, when one company decided to sue her for libel to the tune of $2 million."
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  • I thought... (Score:5, Insightful)

    by supersocialist (884820) on Sunday November 13 2005, @04:06PM (#14021792) Homepage Journal
    "The truth" was a solid defense against libel claims?

    But she has to prove it, and they've got the bigger pocket books...
    • Re:I thought... (Score:5, Insightful)

      by ctr2sprt (574731) on Sunday November 13 2005, @04:23PM (#14021875)
      I RTFA hoping to get more details, specifically what parts Activa is claiming are libelous. The article just lists examples of complaints Lanteigne has, not which ones are at issue (unless I misread). I kind of think there must be something to this, because David-vs-Goliath cases always result in significant bad press for Goliath. I just can't see this working out well for them unless they can really prove Lanteigne is full of shit.

      People will bring up the RIAA suing grandmothers, and rightly so. The difference, as I see it, is that the RIAA believes - rightly or wrongly - that they're losing millions and millions of dollars to piracy. Look at it that way and it makes sense that they're willing to trade some bad press for a lessened erosion of their bottom line. Nothing in the article led me to believe that Activa was being so seriously affected by this one little site.

      I guess what I'm saying is there's just enough information to make me think something else is going on here, but not enough to know what.

      • Re:I thought... (Score:5, Informative)

        by TheSkyIsPurple (901118) on Sunday November 13 2005, @04:19PM (#14021862)
        Actually, they have to prove that what she was was not only false, but that she knew it was false.
        • Re:I thought... (Score:5, Informative)

          by Senjutsu (614542) on Sunday November 13 2005, @04:36PM (#14021941)
          Actually, under Canadian law, to pursue a defense of Justification against a Libel suit, the defendant must prove that their words were true. Quote:

          Justification
          If a person publishes a statement which lowers the reputation of another, the law presumes the falsity of the statement and the defendant then has the burden of proving the truth of the statement. If it is the truth anyone is free to say it. However, if the plaintiff consents to the statement being made, he/she cannot later argue they have been defamed. Actionable defamation only consists in a false statement impairing ones reputation.


          From here, about half way down, under "Canada".
          • Re:I thought... (Score:5, Informative)

            by Senjutsu (614542) on Sunday November 13 2005, @04:38PM (#14021951)
            From here [crimes-of-persuasion.com], rather.
          • Re:I thought... (Score:5, Insightful)

            by mothlos (832302) on Sunday November 13 2005, @05:02PM (#14022099)
            This is the case in most of the world and one of the few reasons I am proud to be an American where the burden of proof is on the plaintiff in such a case. This barrier makes it very difficult and expensive for citizens and reporters in other countries to report on anything. The rule outside the U.S. is, if you can't prove it in court, don't say it. In the U.S. we expect that people will say anything on their minds and as long as nobody can prove that you are lying to deceive then you are usually in the clear.
            • Re:I thought... (Score:5, Insightful)

              by scruffyMark (115082) on Sunday November 13 2005, @06:33PM (#14022656)
              This barrier makes it very difficult and expensive for citizens and reporters in other countries to report on anything.

              So, what's the excuse for the American media's failure to report on anything?

              I mean, really, with all these great freedom of speech protections in law, why are the US media so often the most saturated with bullshit (not counting reports coming from the Iraqi information minister, and such)?

              • Re:I thought... (Score:5, Insightful)

                by pugugly (152978) on Sunday November 13 2005, @05:49PM (#14022382)
                No - you can spam the world saying I raped babies and I can't successfully sue you without proving that
                a) There's no evidence to that effect
                b) My reputation is such that a statement that I rape babies would damage it and
                c) I can prove that you said so without making certain minimal efforts to substantiate your claims.

                My problem always comes in point b. My coverups are masterful, and my enemies far too lazy, but my rep sucks.

                Pug
            • Re:I thought... (Score:5, Insightful)

              by Senjutsu (614542) on Sunday November 13 2005, @05:05PM (#14022117)
              I imagine Canadian law would be similar.

              It's not. That's why I posted the link to a discussion of the differences. Thanks for playing "Do You or Do You Not Have Basic Reading Comprehension Skills" though. In a defense of Justification (ie. "It's not Libel, it's the truth!"), the burden of proof is on the Defendant in Canadian law. Canada is not the US; our legal system is not identical to yours.
                  • Re:I thought... (Score:5, Insightful)

                    by 75th Trombone (581309) on Sunday November 13 2005, @07:53PM (#14023058) Homepage Journal
                    Not that a lot of us Americans aren't idiots, but I don't think you're quite right here. Americans don't make those assumptions about Canada because of geographic proximity, we do so because Canada is generally seen as being, in very general terms, a lot like the US -- or, at least, more like the US than western Europe.

                    Whether that ends up being true in specific issues varies, of course. But to whatever extent the typical American thinks about Canada, it's usually safe to assume a /bit/ of cultural similarity.

                    Contrast that with Mexico --- they're just as close to us as Canada is (obviously), and they probably have more influence on us than Canada does, but I daresay most Americans (myself included) wouldn't be nearly so quick to make assumptions about government policies there.

                    Maybe it's because of the language thing, maybe it's something else. But I seriously doubt it's because of something //quite// so superficial as geographic location.
              • Re:I thought... (Score:5, Interesting)

                by rtb61 (674572) on Sunday November 13 2005, @09:58PM (#14023547) Homepage
                Actually all the company has to do is extend the court case beyond the ladies ability to financially sustain the fight in court and she looses. How ever via the internet the amount of damage the company suffers in the interim and the ability of the lady to access aditional financing and information has grown exponentially, so that she can continue the fight and counter sue i.e. in making the claim of libel against her they are committing a possible act of libel and are subject to counter suit, they are impugning her character in that she would make malicous and libelous statements.

                Knowing builders and developers like I do, I can say with out fear of contradiction that they all infringe to some extent in some fashion or othe,r some of the enviromental or safety laws. She just has to prove this, it will be pretty easy to do if all she will need is a little bit of support from knowledgeable people from the industry i.e. competitors, subcontractors with an axe to grind, ex-employees, disgruntled customers etc. (I think they needed their collective heads read for starting something that is pretty well gauranteed to blow up in their collective faces).

          • by Haeleth (414428) on Sunday November 13 2005, @05:26PM (#14022216) Journal
            In that cold land of Northern American, they do not enjoy the same freedoms that we do, such as freedom of speech.

            Oh, indeed. The USA has much better freedom of speech than anywhere else in the world. Why, here in Soviet Britain, you don't know where you're allowed to speak your mind and where it's forbidden -- I really wish we had designated "free speech zones" like you Americans!
          • Re:I thought... (Score:5, Insightful)

            by pugugly (152978) on Sunday November 13 2005, @05:55PM (#14022432)
            Due Process - just like all those people at Gitmo, right?

            Please, quit trying to claim a difference in legal procedure is a vast cultural divide. I happen to agree with the U.S. system leaving the burden of proof where it is, but to make this into a "Capitalism vs Socialism" issue?

            Get a grip. We're hardly perfect, and at least if she loses the suit and files bankruptcy, she can still get her kids to a doctor.

            Pug
      • Re:I thought... (Score:5, Insightful)

        by crucini (98210) on Sunday November 13 2005, @05:29PM (#14022229)
        That was my first inclination, too. But I read what seems to be the page in question [72.14.203.104], and her claims are mostly specific, minor and down-to-earth. The company's claim that she is "high-handed" didn't really ring true. Either she is lying about very specific events, like:
        At 5:47 I spotted a high level of debris that has obviously been left uncleaned for a rather long time located at 586 Violet St.

        or the company is improperly using a libel suit to silence a legitimate critic.

        She is a bit overzealous, treating each drop of diesel spilled as a life-threatening calamity, but she appears to have the law on her side.
  • in Canda? (Score:5, Funny)

    by ShaneThePain (929627) on Sunday November 13 2005, @04:06PM (#14021794) Journal
    In the U.S. this is a no brainer, but this crap happens in canada too? I thought they were ALL enviro-hippies there.
  • heh (Score:5, Interesting)

    by Renraku (518261) on Sunday November 13 2005, @04:08PM (#14021804) Homepage
    Bad: Woman rights remarks about your company.

    Worse: Sue said woman for more than she can ever possibly make under normal circumstances, breaking her family apart and probably separating her three kids.

    They could have made it 'better' by being like "We're glad you brought this to our attention and we're going to fix it. Thanks for your vigilence!"
  • That's it! (Score:5, Funny)

    by Sr. Pato (900333) on Sunday November 13 2005, @04:12PM (#14021816) Homepage
    I'm so glad I live in Canada, we don't have to deal with this bullsh.. uh, wait.. what the.. oh crap.
  • by davecb (6526) * on Sunday November 13 2005, @04:14PM (#14021823) Homepage Journal
    http://ca.geocities.com/infringements@rogers.com [geocities.com] returns "Sorry, this site is temporarily unavailable! The web site you are trying to access has exceeded its allocated data transfer."

    --davecb

  • Poor summary (Score:5, Informative)

    by SnprBoB86 (576143) on Sunday November 13 2005, @04:15PM (#14021833) Homepage
    The summary does not state the womans name, Louisette Lanteigne, nor does it link to her website (it's geocities, so this is a google Cache) [64.233.161.104], nor does it mention the company's name, Activa Holdings Inc.
  • by Pecisk (688001) on Sunday November 13 2005, @04:15PM (#14021834)
    If there were just misunderstanding (wrongfully interperted information), then company would have invated this lady, described problems and how they will solve that and then all problems with bad PR would go away. Of course, if they choose this course, they have something to hide - because it is typical defence nowadays - attack.

    Of course, a little bit more details about which claims company thinks are false would be helpful for more concrete judgement.
  • by rborek (563153) on Sunday November 13 2005, @04:15PM (#14021835)
    "In Lanteigne's case, she will have to pay her lawyer regardless of the outcome."

    Not quite true. Canada has a loser-pays system, so the losing party has to pay the winning party's costs, but it's usually only a portion (depending on the case - if the judge feels the actions by the plaintiff are malicious and without merit, then the losing party will receive most, if not all, of their legal fees paid by the plaintiff).

    • by Kohath (38547) on Sunday November 13 2005, @05:03PM (#14022104)
      This case shows the merit of the loser pays rule.

      It's the only way civil court proceedings can be made even remotely fair -- instead of the extortion/lottery they are in the US right now.

  • ...Libelous statements sue... uh...

    In South Korea, only old libelous... damn.

    I, for one, welcome our Libelous Housewife... shit.

    Uh, well, good for her. Fuck the man. Yeah.

    Anyone got a link to this woman's website? I'm giving odds that theres a few crafty animated gifs on there.
  • Here are the rules:
    1) Money is all that matters.
    2) If you are not a millionaire, you are a second class citizen
    3) You are not allowed to buy from a small company if there is a bigger one available
    4) If something a company sells you is crap, well, too bad.
    5) If you buy something from a company, they own you
    6) Speaking against anyone or anything richer than you is illegal.
    7) It is the government of the companies, by the companies, for the companies.
    8) Anyone who doesn't go to the Commerce School deserves to be screwed over

    Let's see, we're all guilty of...well, pretty much everything.
  • by AutopsyReport (856852) on Sunday November 13 2005, @04:35PM (#14021933)
    I'd like to think she is telling the truth, but I've known many types that will complain about anything. However, I've been around enough construction sites to know that the professionalism can be very sloppy and can induce the sort of incidents she described. This happens everyday.

    Now, the problem I have is that even if she drops the website and the company continues to pursue the lawsuit, she has so much to lose. She's risking the well-being of her three kids to battle a libel case, one which she (presumably) has no funds to support. I'm not suggesting its wrong to take a stand, but I know first-hand what it is like to battle a corporation when you are being sued. My best friend was sued $150,000 by a company (he had an accidental fire in the house he was renting) and lost everything. The company never got a dime from him, but he was forced into bankruptcy, fell behind on all his bills, and to this day is still being tracked by companies trying to collect for unpaid bills. He lost to the one with financial superiority, and this really threw his life off course -- all over an accidental fire. Now he can't get a mortgage, credit cards, or much else.

    If I was in this woman's position, I'd value the well-being of my kids over battling a corporation, because odds are she will not walk away from this in a better position than she was before this lawsuit started.

    • by Lifewish (724999) on Sunday November 13 2005, @06:23PM (#14022606) Homepage Journal
      I read her site (google cache link [72.14.203.104]) and among the issues she raises are:
      • Contamination of groundwater - "Our moraine provides 300,000 people with ground source drinking water. We're the largest region in North America dependant on ground water. This moraine is one of the major sources for the Grand River and that is the only source of drinking water for Brantford, Brent County and Six Nations."
      • Danger to kids
        • from shoddy construction - "The KW record published that an 8 year old boy was killed in Montreal by falling wooden pallets on an unfenced Construction site and charges may be laid against the owners of the site."
        • from dangerous chemicals - "I have seen kids playing in a stagnant pond of water that was 4ft deep. It was filled with building debris including paint cans, fiberglass insulation, pressure treated wood, oil residue and tadpoles." "Parents should be aware that Pressure Treated wood is not safe. It contains many chemicals including arsenic and it's a known carcinogen."
        • from building debris - "I decided to speak to one of the folks who were outside with their three year old child. The yard was not completed and there was debris, including a half buried 2 by 4 sticking out of their yard with rusty nails in it. ... The condition of the yard was so poor they couldn't allow their child to play outside at all."
      • Dangerous personnel behaviour - "At another area construction site, unharnessed roofers and workers without hard hats were spotted working in the vacinity of high school students who were part of a federal Youth Training Program."

      So I'd say she's valuing the well-being of her kids and those around her here, especially given the number of such cases detailed on her site.
  • ... MILS ... Mothers I'd Like to Sue ...
  • by Hosiah (849792) on Sunday November 13 2005, @05:04PM (#14022112)
    Upon viewing the Google cache of her page, if even one tenth of this is true, that Activa Holdings, Inc. needs to be fined for all it has by the government and then shut down.

    From the site:
    "I saw a suspicious looking diesel tank. I took a closer look and saw it was intentionally supported on a pile of scrap wood on a tilt. That's when I noticed the rubber hose. The hose was being used to syphon the diesel fuel and below it was evidence of a spill. The area smelled strong and the ground was saturated."

    So, essentially, she had a nice suburban neighborhood and then somebody came in and dumped a tanker of diesel fuel all over the place. Yeah, I'd be pissed, too, if that happened on my street. I'd be demanding a cleanup.

    And:
    I saw many unharnessed roofers and dozens of workers without hard hats actively working on site. This one unharnessed roofer was quite a site to see. The yellow cable in the roof photos is the extention cord for the nail gun this fella was using while working on a roof of the house at 23 Big Springs Court. He squatted down on the wood of the roof and slid down it like a slide.

    Now, this is probably not her business. But still, this speaks of massive unprofessionalism. Some guys may be too macho to use safety harnesses, but every site I've ever been on required hard hats *everywhere*, even with nothing overhead. I don't know how things are regulated in Canada, but here in the USA that sounds like tens of thousands of dollars in OSHA fines, just for starters. Still other reports seem kind of iffy. Empty beer bottles can be left by any passing gaggle of kids - pictures of workers on the job in the daytime with the bottles in their hands would have been more damning.

    It looks like she might have had pictures, but they're not coming up in the Google cache. Pity, as even a photo or two would confirm this. I pray for her sake that this gets the throwing out of court that it most probably deserves. As for Activa Holdings, stupid move. Before, they had one website bad-mouthing them, now they've got half of Slashdot.

  • Brutal (Score:5, Informative)

    How does the management of Activa Holdings Inc. sleep at night? There are so many better ways this company could deal with this problem. The company is worried about slander, about their reputation being sullied? They're making themselves look worse and drawing even more attention to their alleged environmental crimes.

    I guess the important thing to do is follow up on this story. Write, phone, fax or email the CEO of Activa Group, Werner Brummund at:

    Activa Group
    735 Bridge Street West
    Waterloo ON
    N2V 2H1
    Canada

    Phone 5198869400
    Fax 5198868955
    Email kyantz@gto.net

    Send letters and emails of support and/or financial support to:

    Louisette Lanteigne,
    700 Star Flower Ave,
    Waterloo Ont.
    N2V 2L2
    Canada

    butterflybluelu@rogers.com

    We should spread the word about this, the more people who know about this David and Goliath fight, the better. The worst thing we can do is just shake our heads in pity and forget about this whole thing.

    Btw: what materials does Activa Group sell?
  • by Hamster Lover (558288) * on Sunday November 13 2005, @05:10PM (#14022142) Journal
    The U.S. has the Sullivan decision that defined libel and, if memory serves, ruled that the offending party has to prove that the particular writings at issue were made with malice and without regard to the truth. Prior to this the defendant had to prove that what he said was the truth.

    This could prove to be an excellent test case of Canada's libel laws vis a vis our Charter or Rights. If Activa Holdings is successful in their lawsuit then just about any negative comment about any company made in the press, on the radio or TV or by the public is actionable. Some provinces, such as British Columbia, have SLAPP legislation that helps in defending such lawsuits but Ontario, where this lawsuit was filed, to my knowledge does not.
  • No Surprise (Score:5, Informative)

    by GISGEOLOGYGEEK (708023) on Sunday November 13 2005, @05:13PM (#14022158)
    I'm not surprised that the builder is trying to screw over the lady, while making a huge mess of their construction site.

    The 'Award Winning' company that built my townhouse in Burnaby BC ... Adera ... is the same kind of company.

    They knowingly built my whole complex below code. You can not get a queen sized mattress to the top floor going up the stairs, they are too narrow (yes, this is a building code they ignored). In fact some of the original owners here forced Adera to buy special two-piece mattress sets.

    Then there's the brutal water heating system. They knew damn well that once the place had sold out, the water heater system would be totally inadequate and prone to breakdowns, forcing our strata to look into a Boiler system.

    Then there's the creaky floors due to various other codes being ignored, such as distance between the stringers, and the methods of tying down the floor.

    Then there's the fact that every damn outlet in the house is crooked, the builders couldnt take 2 seconds to level them, not even the ones cut through tiles!

    And how about the severe cracking in the cement foundation in part of our underground parking.

    And the insufficient gutters and downspouts, built below code, that overflow in a heavy rain.

    And there's the landscaping that has been eroding away due to poor construction, one person has pretty much lost their back yard.

    Our building is only 6 or 7 years old. These are just the bigger problems ... again all from an AWARD WINNING building company! No wonder there's so many leaky condos in this city.

    I wish the lady luck, take down those bastards ... even though they will simply shut down, start up under a new name, and carry on with their crap.

  • by dindi (78034) on Sunday November 13 2005, @05:28PM (#14022226) Homepage
    My wife and me, her being a conservation biologist, me just your regular treehugger, were planning on making a site here ins Costa Rica, based on photos we would take riding around the country, me on my bike, her on her quad (both silenced, small bore, so don;t flame about exhaust fumes and saving the earth ....

    There are a bunch of local and foreign companies making serious damage, and we want to give it some exposure, besides riding around on our vehicles ....

    quite honestly that news piece made us think about how many companies would want to sue our asses if we get noticed .... so not we are re-thinking our strategy ...

    Our plan was to sneak around various industrial installations with a GPS and a digicam, and then post it blog-style with the help of goolge maps api ........ but now we are really reconsidering ....

    Would YOU have the balls?

  • by theolein (316044) on Sunday November 13 2005, @05:29PM (#14022233) Journal
    The lady should counter sue the company for attempting to drive her into bankruptcy. She should sue for percentually as much, based on the company's income, as the company is suing her, i.e. if her yearly income is $60'000 and she get's sued for $2million, then if the company's yearly income is $10million then she should sue for $400million. She should plainly state that she is counter suing because the company is maliciously attempting to drive her into bankruptcy with an amount that she could never pay instead of just suing to get her to close down the website.

    She might not win, but it would provide precedence for annyone who is harrassed by giant companies in the future. (Hallo RIAA, did you hear that?) IT sure would be good to see some of those corporations think twice before abusing their power in future.
  • by justins (80659) on Sunday November 13 2005, @08:56PM (#14023303) Homepage Journal
    Let this be a lesson. In the days of cheap digital cameras, if you're going to take on a task like this woman did, you might as well photograph every last thing and notate when the pictures were taken, and under what circumstances.

    If that became a common practice, it's easy to imagine the bigger engineering companies collaborating with our elected officials to create laws and ordinances against "photographing at a construction site" or some shit. Something unconstitutional but meant to up the ante a litle bit for anyone who wants to take this task on.

    In the mean time, give 'em hell.
    • by Sugar Moose (686011) on Sunday November 13 2005, @04:19PM (#14021863) Journal
      I don't think you really undestand the way the world works, buddy.

      This is not a "you have wronged us, we deserve damages" lawsuit. The company knows she couldn't ever pay $2 million. This is a "we know you can't afford to defend against our coporate lawyer onslaught, so you'll have to settle" lawsuit. If she tried to defend herself, they would ensure the attourney costs would financially ruin her. I'm sure they just want to settle out of court for her taking the site down.

      Let's hear it for coporate censorship. If you say something we don't like, make sure you're willing to give up your life for it.
    • If you don't like a certain form of expression, don't allow it on your property.

      ...therefore, to silence others, acuqire their property. Landlords can silence tenants, shopping malls can evict patrons wearing political slogans the management disgrees with, etcetera.

      Typical libertarian capitalist fallacy that puts property as a primary right, rather than as a secondary tool to ensure primary rights.

    • by Lifewish (724999) on Sunday November 13 2005, @04:30PM (#14021907) Homepage Journal
      To me, all speech is a natural right as a form of expression. Swearing, discrimination, yelling fire in your own theater, or even preaching the murder of another. If you don't like a certain form of expression, don't allow it on your property.

      But discrimination results in people not being able to make so much money, and thus not being able to own property, and thus not being able to reduce the acreage available for bigots to be bigoted on, and so on. Seems like that'd create an underclass, which never ends well.

      I could care less about what media companies might do with the freedom to libel. Who cares. If you're in the public eye, accept it. If you run a big business, combat it with great quality of service.

      But how do people find out about your excellent quality of service or great product if the people getting paid to talk loudly are all saying it sucks? The system you describe would allow any company to cover another with as much slime as they could buy, which would tend to lead to horrific monopolies - a classic market breakdown effect. Slime does have an effect, and it's not always trumped by quality of service. Besides, do you really want to produce a system in which only the biggest liars are able to survive? We're close enough to that already without adding fuel to the fire.
    • by general_re (8883) on Sunday November 13 2005, @04:40PM (#14021964) Homepage
      I don't believe in libel or slander. Words, in the long run, can damage a reputation -- but creating a quality product will always trump it.

      So then, as a matter of principle, you won't be suing me when I rent a few billboards near your house and put your name, address, and photo on them, along with labeling you a known liar, thief, and pedophile. Hope you produce some seriously high-quality products, my man.

    • by jcr (53032) <jcr@ma c . c om> on Sunday November 13 2005, @04:50PM (#14022022) Journal
      even preaching the murder of another.

      Drop dead.

      -jcr
    • by dougmc (70836) <dougmc+slashdot@frenzied.us> on Sunday November 13 2005, @04:33PM (#14021924) Homepage
      A SLAPP suit.
      Obviously. The article even suggested it.
      They are illegal in the US.
      Did you even read the link you provided?

      A more accurate statement would be that `several states have enacted legislation to provide some protection against SLAPP lawsuits'. These laws do not 1) cover the entire US, and 2) do not generally make SLAPP lawsuits illegal. Instead, they change things a little to make it easier to defend against these sorts of lawsuits.

      And of course, the woman is in Canada, so US law generally doesn't apply there. (We didn't invade yet, did we?)

    • Re:Eh (Score:5, Insightful)

      by WestCanadaCitizen.ca (930764) on Sunday November 13 2005, @04:38PM (#14021950) Homepage
      You're absolutely right that not everyone who cries environmental foul is right, or even legitimate. But when this woman received letters from Environment Canada (like the EPA) about her efforts, this lends a bit of credibility to her claims. Also, the fact that this development company didn't post a rebuttal that disproved her claims but rather filed a lawsuit intending to shut her up and shut her site down makes me think she was on to something.
    • by TrappedByMyself (861094) on Sunday November 13 2005, @05:00PM (#14022089)
      Before anyone sets up any kind of web site, I strongly advise you to purchase an Umbrella Liabliity Insurance Policy. Among other things, these policies protect you from accusations of libel and slander.
      While truth is an absolute defense against libel or slander, you don't want it to cost you your life savings to defend against a frivolous lawsuit because you spoke the truth someone didn't want to hear. For the cost of the umbrella policy - typically around $300 per year you can virtually stop any potential frivolous lawsuit. Such lawsuits are designed to intimidate the little guy and you're much less of a little guy when a multi-billion dollar insurance company is the one that is paying to defend you against the suit.


      hmmm.... lets fix this one

      Before anyone sets up any kind of web site, I strongly advise you to research an Umbrella Liabliity Insurance Policy. Among other things, these policies may protect you from accusations of libel and slander.
      While proof is a defense against libel or slander, you don't want it to cost you your life savings to defend against a frivolous lawsuit because you spoke the truth someone didn't want to hear. For the cost of the umbrella policy - typically around $300 per year you can possibly prevent any potential frivolous lawsuit. Such lawsuits are designed to intimidate the little guy and you're much less of a little guy when you have adequate protection.


      ahh much better. Only thing worse than financial disaster is financial disaster after you realize your poorly researched insurance policies really don't help you in your case

      Be sure of what you are buying.