My umbrella insurance policy includes coverage for defamation-related suits, and it seems to be standard for the insurance company's customers (i.e., I did not

My umbrella insurance policy includes coverage for defamation-related suits, and it seems to be standard for the insurance company's customers (i.e., I did not have to request it). It's not like I am going out of my way to provoke such suits, but it's nice to have.