In following the Bill Cosby case, I’ve learned that it’s not unusual for homeowner’s insurance to cover if you’re sued for defamation. The insurance company is on the hook to pay for your defense. In this case, it’s the insurance company that’s been paying for Cosby’s defense in all the defamation suits against him. (So the only lawsuits Cosby’s been having to pay for himself are the one for sexual assault and the one where his homeowner’s insurance has been trying to get out of paying for his defense in the defamation cases. [They say the cost of defending Bill Cosby has already been considerable.])
Bill Cosby is now counter-suing in one defamation lawsuit. He has also filed a lawsuit for defamation against Beverly Johnson who (as far as I’ve heard) is not suing him.
If the homeowner counter-sues for defamation does the insurance company have to pay for the expense of the counter-suit? I.e. is a counter-suit considered part of a defamation defense or is it a separate, non-covered offensive action?
If the homeowner sues someone for defamation when that person is NOT suing him, is that covered by the homeowner’s insurance? Or does the homeowner have to pay for the cost of the lawsuit himself?