Raise awareness of environmental health issues in order to better protect our children and future generations.

EMF Studies

27 February 2015

Lloyd's of London Excludes Coverage for RF/EMR Claims

"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. Attached is a recent renewal policy which, as of Feb. 7, 2015, excludes any coverage associated with exposure to non-ionizing radiation. [View original article.]  In response to clarification, this response was received on Feb. 18, 2015 from CFC Underwriting LTD, London, UK agent for Lloyd's:

"'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." 


Lloyd's of London excludes coverage for RF/EMR claims
Citizens for Safe Technology, 22 February 2015

Letter to Government from Sharon Noble - Director of Coalition to Stop Smart Meters in BC

Premier Clark, Mr. Bennett and Mr. Reimer,

RE: Lloyd's of London excludes coverage for claims caused by exposure to non-ionizing radiation.

"Based on inaccurate information provided by ITRON, Health Canada and Dr. Perry Kendall, you have been telling people that there is no health risk due to prolonged exposure to radiation from smart meters on homes and wifi in school -- this despite your having received 100s of studies by independent researchers and many letters from scientists and doctors to the contrary.

"I am now forwarding information that should concern you even if the potential health problems these devices cause British Columbians doesn't. Even though I know that the province and BC Hydro self insure their insurance coverage, I suspect you have a stop loss agreement with protection for catastrophic claims. If this stop loss agreement doesn't already contain this waiver, soon it no doubt will exclude any claims associated with exposure to radiation from wireless devices such as cell phones, smart meters or wifi. Premier Clark, Mr. Bennett and Mr. Reimer,

"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. Attached is a recent renewal policy which, as of Feb. 7, 2015, excludes any coverage associated with exposure to non-ionizing radiation. In response to clarification, this response was received on Feb. 18, 2015 from CFC Underwriting LTD, London, UK agent for Lloyd's:

"'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.

"Consider yourself notified once again that you could be held legally responsible for the decisions you have made."

Yours truly,
Sharon Noble
Victoria, BC.

See page seven (7) #32 below for exclusion statement re electromagnetic fields: [View original article.]

http://citizensforsafetechnology.org/Lloyds-of-London-excludes-coverage-for-RFEMR-claims,2,4168

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