When a new cell tower or wireless network is proposed the first question to ask is “Do you have insurance for damages from long term exposure to the radiofrequency radiation (RFR)?”
Usually the answer is “No.”
Uninsurable Risk
- FACT: Insurers rank wireless, cell tower and 5G RFR non-ionizing electromagnetic radiation as a “high” risk, comparing the issue to lead and asbestos.
- FACT: Most insurance plans have “electromagnetic field exclusions” and do not insure for long term RFR damages.
- FACT: Wireless RFR and non ionizing electromagnetic radiation are defined as a type of “pollution” by wireless companies themselves.
- FACT: US Mobile operators have been unable to get insurance to cover liabilities related to damages from long term RFR exposure.
- FACT: Wireless companies warn their shareholders of RFR risk but they do not warn the users of their products, nor do they warn the people exposed to emissions from theirinfrastructure.
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Portland Oregon Public School Insurance
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.”
“We cannot guarantee that claims relating to radio frequency emissions will not arise in the future or that the results of such studies will not be adverse to us…If a connection between radio frequency emissions and possible negative health effects were established, our operations, costs, or revenues may be materially and adversely affected. We currently do not maintain any significant insurance with respect to these matters.”
5G mobile networks classified as a “high”, “off-the-leash” risk stating, “Existing concerns regarding potential negative health effects from electromagnetic fields (EMF) are only likely to increase. An uptick in liability claims could be a potential long-term consequence” and “[a]s the biological effects of EMF in general and 5G in particular are still being debated, potential claims for health impairments may come with a long latency.”
Verizon Total Mobile Protection Plan (pg 10),
“Pollution” is defined as“The discharge, dispersal, seepage, migration 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 nonionizing radiation and/or waste.”
“our wireless business also faces personal injury and wrongful death lawsuits relating to alleged health effects of wireless phones or radio frequency transmitters. We may incur significant expenses in defending these lawsuits. In addition, we may be required to pay significant awards or settlements.”
