Cancers and other diseases caused by EMF radiation from cell phones, mandatory smart meters will not be covered by insurance
Monday, March 30, 2015 by: Sandy J. Duncan
Tags: smart meters, EMFs, insurance
(NaturalNews) According to the site stopsmartmeters.org, thousands of people have complained of tinnitus, headaches, nausea, sleeplessness, heart arrhythmia, and other symptoms after a ‘smart’ meter was installed. The ongoing research results and evidence of the health hazards of wireless technology is growing right alongside the staggering increase of use of these devices. Smart meters are being installed all around the world and can exceed the already high FCC limits on human exposure to microwave radiation and are not optional even in homes of people who have “electro-sensitivity”. There have been some concerns whether ‘smart’ meters may cause interference with pacemakers and other implants.
Cancer victim leaves a legacy
Attorney Jimmy Gonzalez gives testimony in October 2012 to the Pembroke Pines Florida Commission asking them to petition the City to issue a Resolution raising awareness of the health risks of cell phone radiation. He warns others about cell phone use and the connection of usage to his three fatal tumors. He spent the last of his energy and passion lobbying for these issues. Mr. Gonzalez died in November, 2014 at the age of 42. You can watch his impressive appeal that hopefully leaves a legacy of change here: https://www.youtube.com/watch?v=DIlOVJd0lA8
Insurance exclusions based on EMF risks
And now some major players in the insurance world are taking their own stance against the risks being posed by exposure wireless technology including “smart meters”. A global insurer, Lloyd’s of London, known for taking on risky policies has put in a major exclusion clause for all policy holders, to exclude coverage related to exposure to wireless devices as of February 7, 2015.
Lloyd’s of London is one of the largest insurers in the world and often leads the way in protection, taking on risks that no one else will. 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.
This means that the Province (that is we, the taxpayer) will be held liable for claims from teachers and parents of children suffering biological effects from wifi in schools, from homeowners exposed to RF from mandated smart meters on homes, and from employees forced to use cell phones or exposed to wifi at work. Lawsuits in other countries have resulted in huge payments already, and it is only a matter of time before similar lawsuits are filed and won in Canada.
Potentially those who allow such devices, after having been fully informed about the dangers, could be held liable for negligence, and directors’ insurance may not provide financial protection. Directors’ insurance applies when people are performing their duties “in good faith”. It is hard to argue they are acting “in good faith” after having been warned by true scientific experts and by a well-respected insurer. (Excerpt from letter by Sharon Noble Director, Coalition to Stop Smart Meters in British Columbia Victoria, British Columbia, Canada)
Lloyd’s exclusion is basically on all of their liability insurance policies. Without reinsurance coverage all insurance policies will exclude coverage of health damaging radiation. If suits for cancer and other associated health issues occur from wireless radiation exposure there would be a catastrophic influx of claims. This is a standard liability insurance response to risk exposure from a global and universal health danger. Perhaps this could be a repeat to issues like asbestos, chemical hazards in building materials and other types of toxic exposure.
Policy exclusions very specific
From the Lloyd’s of London policy: “Exclusions (starting on Page 6 of policy, Page 7 of pdf)
We will not:
a) make any payment on your behalf for any claim, or
b) incur any costs and expenses, or
c) reimburse you for any loss, damage, legal expenses, fees or costs sustained by you, or
d) pay any medical expenses:
32. Electromagnetic fields (General Insurance Exclusions – Page 7 of policy): directly or indirectly arising out of, resulting from or contributed to by electromagnetic fields, electromagnetic radiation, electromagnetism, radio waves or noise.”
So what does the insurance industry know that the rest of the world has not yet come to terms with?
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