Cyberbullying and cyberstalking represent the darkest side of social media. It's tragically littered with young people who have literally been bullied to death.
The unwitting parents of cyberbullies turn a blind eye at their own peril, says Tafaro.
"One person makes fun of another, then it goes to your daughter, she takes the email and forwards it to five people and now she has violated the cyberbullying laws in the state of Pennsylvania. If that email crosses state lines, now it's federal," he says.
The wealthier you are, the greater the odds that you'll be targeted for lawsuits stemming from online behavior.
"Nowadays it's turning into the new slip-and-fall or dog-bite lawsuit. In a half a second, if you don't have insurance for it, you're going to burn through $20,000 in legal fees. That's a lot of money for a lot of people," he says.
An umbrella policy or personal injury endorsement may pay your defense fees but not the judgment if you're found at fault.
"It's the same as if you walk into a bar and punch someone in the face," says Tafaro. "It's not for willful acts."