Big Wireless Warns Shareholders – Microwave Radiation Causes Health Harm and Insurance Companies Will Not Cover Harms Caused By Smart Meters and 5G
April 15, 2021 | James Robert Deal on Green Politics | Source
“The health effects of Smart Meters and all devices producing microwave radiation are well known.
See www.JamesRobertDeal.org/demand-that-seattle-ban-smart-meters-and-5g.
Insurance companies, including Lloyds of London, have a specific exclusion, and will not insure against radio frequency induced health effects. The standard business Some insurance companies will not cover fires, caused by radio frequency technologies, including Smart Meters. The standard business policy explicitly excludes coverage for damage caused by surges, and business owners must pay extra for an endorsement.
Big Wireless acknowledges that they can be sued and have no insurance coverage for health harms – which will come, because the damage is cumulative.
Also included is from Consumer Product Safety Commission, which is now looking into
specific and related issues with radio frequency technologies.
https://ehtrust.org/key-issues/electromagnetic-field-insurance-policy-exclusions/
Electromagnetic Field Insurance Policy Exclusions
https://ehtrust.org/key-issues/electromagnetic-field-insurance-policy-exclusions/
Electromagnetic Field Insurance Policy Exclusion Are The Standard
Electromagnetic Fields Are Covered in “Pollutant” Policy Enhancements
Due to the high risk that electromagnetic (EMF) field exposure poses, most insurance companies do not cover electromagnetic fields and have very clear “electromagnetic field exclusions.” EMFs are classified as a “pollutant” alongside smoke, chemicals and asbestos. If you want insurance that will cover EMFs you have to purchase additional “Pollution Liability” or “Policy Enhancement” coverage.
“The Electromagnetic Fields Exclusion (Exclusion 32) is a General Insurance Exclusion and is applied across the market as standard. The purpose of the exclusion is to exclude cover for illnesses caused by continuous long-term non-ionising radiation exposure i.e. through mobile phone usage.” CFC Underwriting LTD in London, the UK agent for Lloyd’s
See examples of “electromagnetic field policy exclusions” and of “pollution liability” policies which do cover- at additional cost- electromagnetic fields. Please be sure to scroll down to the end to see videos and other insurance documents that discuss the risk of EMF exposure.
California State University Risk Management Authority (CSURMA) Self Insured Program
“We will not pay for loss or damage caused by or resulting from any of the following:
Artificially generated electrical, magnetic or electromagnetic energy that damages, disturbs, disrupts or otherwise interferes with any: (1) Electrical or electronic wire, device, appliance, system or network; or (2) Device, appliance, system or network utilizing cellular or satellite technology. But if fire results, we will pay for the loss or damage caused by that fire if the fire would be covered under this coverage form.
For the purpose of this exclusion, electrical, magnetic or electromagnetic energy includes but is not limited to: (1) Electrical current, including arcing; (2) Electrical charge produced or conducted by a magnetic or electromagnetic field; (3) Pulse of electromagnetic energy; or (4) Electromagnetic waves or microwaves. “
Portland Oregon Public School Insurance: GENESIS INSURANCE COMPANY
Pg 30.” Exclusions: This insurance does not apply to:
Bodily injury, personal injury, advertising injury, or property damage arising directly or indirectly out of, resulting from, caused or contributed to by electromagnetic radiation, provided that such loss, cost or expense results from or is contributed to by the hazardous properties of electromagnetic radiation. This includes any costs for the actual or threatened abatement, mitigation, or removal.”
Coverage Part B School Board Legal Liability: Various provisions in this Coverage Part restrict coverage. Read the entire Coverage Part carefully to determine rights, duties and what is and is not covered.
Pg 48 Exclusions: This insurance does not apply to any loss:
“8. Bodily injury, personal injury, advertising injury, or property damage arising directly or indirectly out of, resulting from, caused or contributed to by electromagnetic radiation, provided that such loss, cost or expense results from or is contributed to by the hazardous properties of electromagnetic radiation. This includes any costs for the actual or threatened abatement, mitigation, or removal.
Cost or expense arising directly or indirectly out of, resulting from, caused or contributed to by electromagnetic radiation, provided that such loss, cost or expense result from or are contributed to by the hazardous properties of electromagnetic radiation. This includes any costs for the actual or threatened abatement, mitigation, or removal.”
“This insurance shall not apply to…S. Pollution, and 1. any claim relating to the actual, alleged or threatened discharge, dispersal, release or escape of “pollutants” however caused or whenever or wherever happening;
or 2. any request, demand or liability to test for, monitor, clean up, remove, contain, treat, detoxify or neutralize “pollutants”, whether or not any of the NRA (SECTION 1m) 05 17 Page 5 of 10 foregoing are or should be performed by the “individual insured member” or by others.”
“Pollutants” means any electromagnetic transmission or fields, or any solid, liquid, gaseous or thermal irritant or contaminant, including smoke, vapor, soot, fumes, acids, alkalies, chemicals and wastes, including medical waste. Waste also includes materials to be recycled, reconditioned or reclaimed.
City of Ann Arbor Michigan Insurance Policy: Electromagnetic Radiation Exclusion
In this policy declaration, the electromagnetic radiation exclusion is part of several exclusions to exposures such as asbestos, lead, mold, and nuclear energy. The electromagnetic radiation exclusion not only excludes mitigation and harm from electromagnetic radiation but also excludes paying for the defense of “any supervision, instruction, recommendation, warning or advice given or which should have been given in connection with bodily injury, property damage, abatement and/or mitigation etc.
Canadian ProSurance Architects & Engineers Policy
In 2015 The General Exclusions section of their Canadian ProSurance Architects & Engineers Policy Document places EMF on the same footing as Asbestos: a total exclusion on liability for all EMF radiation.
“GENERAL INSURANCE EXCLUSIONS: Electromagnetic fields directly or indirectly arising out of, resulting from or contributed to by electromagnetic fields, electromagnetic radiation, electromagnetism, radio waves or noise.”
Updated Zurich Community Care Liability Insurance
“We will not pay anything under this policy, including claim expenses, in respect of: Electromagnetic fields any liability of whatsoever nature directly or indirectly caused by, in connection with or contributed to by or arising from electromagnetic fields (EMF) or electromagnetic interference (EMI)”
BIICL Product Liability Forum Insurance Perspectives on Product Liability
“Standard: Pollution, Asbestos, Electromagnetic fields
Due to potentially catastrophic losses and high clean up costs, product liability insurance contracts frequently exclude, whether partially or completely, the insured’s liability for asbestos, pollution and contamination, radiation and electromagnetic fields.
Most UK product liability insurance contracts implement the wording, either in its original or an adapted form, recommended by the Association of British Insurers to exclude liability for gradual pollution or contamination (such as long standing leaks from pipes or tanks).
This wording excludes all liability for pollution or contamination other than that caused by “a sudden identifiable unintended and unexpected incident which takes place in its entirety at a specific time and place during the period of insurance”.
“This exclusion applies, but is not limited, to any injury, damage, expense, cost, loss, liability or legal obligation to test for, monitor, abate, weaken, control or take any other remedial action with respect to EMF’s , EFL’s or RFR’s. “
“Electrical, magnetic or electromagnetic energy that damages, disturbs, disrupts or otherwise interferes with electrical or electronic wire, device, appliance, fixture, system or network. For the purposes of this exclusion, electrical, magnetic or electromagnetic energy includes, but is not limited to: a. Electrical current, including arcing; b. Electrical charge produced or conducted by a magnetic or electromagnetic field; c. Pulse of electromagnetic energy; or d. Electromagnetic waves or microwaves;”
REINS American Institute of Marine Underwriters LIABILITY EXCLUSION CLAUSE (2015)
“Health Hazard or Occupational Disease as defined in the original policy. In the absence of these terms being defined in the original policy, they shall be defined cumulatively as follows: C7.1. Any loss, damage, injury or expense directly or indirectly caused by or arising out of: asbestos; tobacco; coal dust; polychlorinated biphenyls; silica; silicosis; benzene; lead; talc; dioxin; mold; pesticides or herbicides; electromagnetic fields; pharmaceutical or medical drugs/products/substances/devices; or any substance containing such material or any derivative thereof.”
“This policy does not cover any liability, loss, cost or expense directly or indirectly arising out of, resulting from, caused or contributed to by exposure to magnetic electric or electromagnetic fields or radiation however caused or generated.”
“This insurance covers bodily injury, property damage, legal expenses and clean-up costs resulting from pollution conditions associated with a covered location on a claims-made basis.”
“The definition of pollutants includes mold, legionella, electromagnetic fields and methamphetamines.”
A&M Insurance for Medical Professionals – No Coverage for Electromagnetic Fields
“GENERAL INSURANCE EXCLUSIONS: Electromagnetic fields directly or indirectly arising out of, resulting from or contributed to by electromagnetic fields, electromagnetic radiation, electromagnetism, radio waves or noise.”
AT&T Mobile Insurance
AT&T Does Not Cover Damage Caused by Pollutants, Now Including Electromagnetic Fields
“Exclusions:
- Loss caused by or resulting from the discharge, dispersal, seepage, migration, release or escape of Pollutants
- “Pollutants” means: Any solid, liquid, gaseous, or thermal irritant or contaminant including smoke, vapor, soot, fumes, acid, alkalis, chemicals, artificially produced electric fields, magnetic field, electromagnetic field, sound waves, microwaves, and all artificially produced ionizing or non- ionizing radiation and waste. Waste includes materials to be recycled, reconditioned or reclaimed.” (pg. 4)
Penn National Insurance, “Commercial Liability Umbrella Coverage Form”
“Bodily injury” or “property damage” arising out of any liability loss, cost or expense directly or indirectly arising out of, or resulting as, a consequence of “electromagnetic radiation”.
Abu Dhabi National Insurance Company Workman’s Compensation Insurance Policy
“Other Exclusions: Any claim bringing of or attributed to electromagnetic fields…”
The Hartford, “EXCLUSION – ELECTROMAGNETIC HAZARD”
“The following exclusion is added: This insurance does not apply to: Electromagnetic Hazard….”
Mutual of Enumclaw Policy Changes, Edition 9-96 – Pollution Exclusions
“Pollutant or pollutants mean any solid, liquid, gaseous or thermal irritant or contaminant, including:
- smoke, vapor, -soot, fumes, acids, alkalis, chemicals;
- radioactive matter, including electromagnetic fields or electromagnetic radiation;
- petroleum, or petroleum products in any form;
- asbestos or substances containing asbestos;
- lead or substances containing lead;
- waste, including materials to be recycled, reconditioned or reclaimed.”
Verizon Insurance: Protects The Phone But Not the Person
“Coverage Excludes Pollution.”
Pollution is defined as “The discharge, dispersal, seepage, migration, escape or presence of pollutants. Pollutants means any solid, liquid, gaseous, or thermal irritant or contaminant including smoke, vapor, soot, fumes, acid, alkalis, chemicals, artificially produced electric fields, magnetic field, electromagnetic field, sounds waves, microwaves, all artificially produced ionizing or non-ionizing radiation and/or waste.”
Pollution Liability Policies
New Day Underwriting CCONTRACTOR’S POLLUTION LIABILITY
Contractor’s Pollution Liability (CPL) is intended to provide pollution liability coverage for any type of contracting operation. … Broadened definitions of pollution conditions to include mold, bacteria, viral matter, electromagnetic fields (EMF) and biological waste.
Vanner Specialty Risk, Vanner Insurance Agency, Pollution Liability Coverage Options
Additional Policy Enhancements
Pollutants broadly defined including:
- Fungus & Legionnaire’s Disease, Electromagnetic Fields, Low Level Radioactive Material, Medical & Infectious Wastes
Delta Insurance Environmental & Pollution Liability Insurance for Service Industries
“Pollution incident means the discharge, emission, seepage, migration, dispersal, misdelivery, release or escape of: a. any solid, liquid, gaseous or thermal irritant or contaminant, including smoke, vapors, soot, fumes, acids, alkalis, chemicals, hazardous substances, petroleum hydrocarbons, medical, infectious and pathological waste; b. low level radioactive waste; c. microbial matter; d. legionellapneumophila; e. medical waste; and f. waste materials; and, g. electromagnetic fields;”
Thanks to JM