Is it True that Insurers Won’t Touch 5G?

“… insurers are treating the risk as cautiously as a downed power line after a storm.”

There’s been some pretty lively debate about the dangers of 5G recently in the comments section of a site called ispreview.co.uk.

In an article titled “Local Opposition Making UK 5G Upgrades to 4G Masts Difficult“, tech writer Mark Jackson gives a pretty straightforward report on how people have been objecting to 5G infrastructure such as cell phone towers.

However, Mark is clearly pro-telecom industry and dismisses what he calls “seemingly unfounded paranoia about public health issues” where companies are publicly pumping out electromagnetic fields and radio-frequency radiation.

The comments section of the article makes for interesting and entertaining reading. Pro-industry entities employ mostly standard trolling methods – e.g., one even quipped, “I’d rather go to a flat Earth convention” – in their efforts to ridicule Stop-5G campaigners and limit damage to their beloved industry’s reputation.

What the insurance underwriters’ documents say

Although I’ll leave you to read the comments thread (on the link given above) for yourself, I reproduce this contribution that I left (one of three):

Forget the science. Don’t worry who the scientists are. Let’s just look at the COMMERCIAL aspect and read Lloyds of London’s clause that refuses to underwrite any health claims against the telecom industry:

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.”

Lloyd’s of London excludes any liability coverage for claims;

“Directly or indirectly arising out of, resulting from or contributed to by electromagnetic fields, electromagnetic radiation, electromagnetism, radio waves or noise.” (Exclusion 32)

This information is from CFC Underwriting Limited, which is a Lloyd’s of London underwriter (page 12-13 of policy document, page 13-14 of pdf), and was posted by Citizens for Safe Technology:

[This] 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.”
http://www.citizensforsafetechnology.org/Lloyds-of-London-excludes-coverage-for-RFEMR-claims,2,4168

The policy document is here

!!!!!!!!!!!!! As I said in a previous comment … END OF !!!!!!!!!!!!!

DIGITAL SURVIVOR for all the shocking news about 5G and wireless technology!

What the insurance media say

In a later comment, after the one above received further tolling, I quoted a section from a 2007 businessinsurance.com article that still holds true to this day:

Insurers exclude risks associated with electromagnetic radiation

It may take two more decades to know if electromagnetic radiofrequency energy is a significant liability issue for telecommunications companies, so, in the interim, insurers are treating the risk as cautiously as a downed power line after a storm.

Insurers often exclude the risk from commercial general liability policies, strictly limit the coverage or avoid policyholders in the wireless industry, brokers say.

https://www.businessinsurance.com/article/20070603/ISSUE03/100022051/insurers-exclude-risks-associated-with-electromagnetic-radiation

(You can also download a PDF version of this article on this link)

On the run

Trolling often surfaces whenever miscreants are caught out in their own lies. This is because they are unable to counter arguments made against them.

The ispreview.co.uk exchange provides a master-class illustration of professional trolling, and probably some sock-puppeteering too.

😎

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