Something can be an insult when it is not a criticism of a person's ideas or behaviors, but an attack on the person, or it is a deliberately inaccurate label of the person.
Examples being: "That idea is bad for the economy" is not an insult. It's a criticism of an idea. "Your ideas are all stupid" is an attack on the person.
"You are a jackass" is a deliberately inaccurate label. Therefore, it's intended to be offensive.
There are other ways to insult people, such as saying their parents are sub-human or inferior, things of that nature.
Some things people find insulting, but that is because some of their ideas are open to criticism in the marketplace of ideas, and they can't handle that, and have no business being on the internets.
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