Has anybody heard about this:

http://www.mumsnet.com/lw/state.html

The site I help run (www.downsizer.net) has lots of over exuberant posters that are sometimes critical of famous people, we try hard to stop stuff before it goes too far BUT how do you decide when it's crossed a line?

We have no liability insurance at the moment, should we be looking at it, and does anyone here have experience of such?