Saturday, 24 October 2015
INSURANCE COMPANIES WILL NO LONGER INSURE INJURIES FROM WIRELESS TECHNOLOGY
Recently Lloyd’s of London modified its renewal policy (Feb. 7, 2015) to now exclude any coverage associated with exposure to non-ionizing radiation (i.e. wireless communications) “directly or indirectly arising out of, resulting from or contributed to by electromagnetic fields, electromagnetic radiation, electromagnetism, radio waves or noise.”
In response to a request for clarification, CFC Underwriting LTD, London, UK agent for Lloyd’s, stated:
“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-ionizing radiation exposure i.e. through mobile phone usage.” (Feb. 18, 2015)
In 2010 the Emerging Risks Team of Lloyds of London published a white paper on the question of EMF (Electromagnetic fields) and made a comparative study to the history of asbestos and its impact on the insurance industry.
Lloyd's report explores links between EMF exposure and asbestos exposure
http://www.canadianunderwriter.ca/issues/story.aspx?aid=1000392648
"The danger with EMF is that, like asbestos, the exposure insurers face is underestimated and could grow exponentially and be with us for many years."
Maxum Insurance: Exclusion to Electromagnetic Radiation
(1) "Bodily Injury", "property damage" or "personal and advertising injury" arising out of, resulting from, caused by or contributed to by electromagnetic radiation, provided that such injury or damage results from or is contributed to by the pathological properties of electromagnetic radiation; or
(2) The costs of abatement or mitigation electromagnetic radiation or exposure to electromagnetic radiation. This exclusion also includes:
(a) Any supervision, instructions, recommendations, warnings or advice given or which should have been given in connection with the above; and
(b) Any obligation to share damages with or repay someone else who must pay "damages" because of such an injury or damage.
"Damages" mean compensation only in the form of money, for a person or entity who
claims to have suffered a "bodily injury" or "personal and advertising injury" or who
claims to have sustained "property damage"
Insurance and Liability of Wireless Communication Carriers
Listed are documents from insurance companies, court cases that have been awarded compensation for RF radiation adverse health effects, industry defence attorneys, actuaries, and from the news/web media. They claim limits of liability for any adverse RF health effects in their contract with the user, and maintain that they do not have to carry tort or liability insurance.
http://www.mainecoalitiontostopsmartmeters.org/wp-content/uploads/2013/04/EV9- Insurability-Liability-Corrected-4-8-13-PUC-464.pdf
WHY SWISS RE WILL NOT RE-INSURE MOBILE PHONES FOR HEALTH RISKS
"A re-insurance company is a company that backs up an industry for claims that the industry may not be able to cover. Possibly the largest re-insurance company in the world, Swiss Re, will not take this liability on with cell phones and health effects. At present, most cell phone companies are “self insured”. Meaning, they may be able to just file bankruptcy should there be too many claims.”
“In its Swiss Re SONAR Emerging Risks report, 2013, which covers risks that could “impact the insurance industry in the future”, the company categorises the impact of health claims related to electromagnetic fields (EMFs) as ‘high’. It acknowledges recent reports of courts ruling in favour of claimants who have experienced health damage from mobile phones, and also says that anxiety over risks related to EMFs is “on the rise”
http://mieuxprevenir.blogspot.ca/2011/12/swiss-re-will-not-re-insure-mobile.html
Austrian AUVA Report: Insurance Company Presents Research on Health Risks from Cell Phone Radiation
“The ubiquitous exposure to this unnatural type of radiation at unprecedented levels of power density harms human health. Short-term and long-term health impairments are preprogrammed and will especially manifest in the next generation if politically responsible actions are not taken immediately.”
http://www.eirewaves.com/media/auva_report.pdf
Why would insurance companies exclude injuries from electromagnetic radiation if it were completely safe for all persons including children and pregnant women?
Insurance and Liability of Wireless Communication Carriers
Listed are documents from insurance companies, court cases that have been awarded compensation for RF radiation adverse health effects, industry defence attorneys, actuaries, and from the news/web media. They claim limits of liability for any adverse RF health effects in their contract with the user, and maintain that they do not have to carry tort or liability insurance.
http://www.mainecoalitiontostopsmartmeters.org/wp-content/uploads/2013/04/EV9- Insurability-Liability-Corrected-4-8-13-PUC-464.pdf
WHY SWISS RE WILL NOT RE-INSURE MOBILE PHONES FOR HEALTH RISKS
"A re-insurance company is a company that backs up an industry for claims that the industry may not be able to cover. Possibly the largest re-insurance company in the world, Swiss Re, will not take this liability on with cell phones and health effects. At present, most cell phone companies are “self insured”. Meaning, they may be able to just file bankruptcy should there be too many claims.”
“In its Swiss Re SONAR Emerging Risks report, 2013, which covers risks that could “impact the insurance industry in the future”, the company categorises the impact of health claims related to electromagnetic fields (EMFs) as ‘high’. It acknowledges recent reports of courts ruling in favour of claimants who have experienced health damage from mobile phones, and also says that anxiety over risks related to EMFs is “on the rise”
http://mieuxprevenir.blogspot.ca/2011/12/swiss-re-will-not-re-insure-mobile.html
Austrian AUVA Report: Insurance Company Presents Research on Health Risks from Cell Phone Radiation
“The ubiquitous exposure to this unnatural type of radiation at unprecedented levels of power density harms human health. Short-term and long-term health impairments are preprogrammed and will especially manifest in the next generation if politically responsible actions are not taken immediately.”
http://www.eirewaves.com/media/auva_report.pdf
Why would insurance companies exclude injuries from electromagnetic radiation if it were completely safe for all persons including children and pregnant women?
Sunday, 20 September 2015
INSURANCE COMPANIES WILL NO LONGER INSURE INJURIES FROM WIRELESS TECHNOLOGY
INSURANCE COMPANIES WILL NO LONGER INSURE INJURIES
FROM WIRELESS TECHNOLOGY
Lloyd’s of London often leads the way as
one of the world’s largest insurance companies in industry trends, taking on
risks that no one else will and recognizing early signs of trouble and possible
liability issues.
Recently Lloyd’s of London modified its
renewal policy (Feb. 7, 2015) to now exclude any coverage associated with
exposure to non-ionizing radiation (i.e. wireless communications) “directly
or indirectly arising out of, resulting from or contributed to by
electromagnetic fields, electromagnetic radiation, electromagnetism,
radio waves or noise.”
In response to a request for clarification, CFC
Underwriting LTD, London, UK agent for Lloyd’s, stated:
“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-ionizing radiation exposure i.e. through
mobile phone usage.”
(Feb. 18, 2015)
In 2010 the Emerging Risks Team of Lloyds
of London published a white paper on the question of EMF (Electromagnetic
fields) and made a comparative study to the history of asbestos and its impact
on the insurance industry.
Lloyd's report explores links between EMF
exposure and asbestos exposure http://www.canadianunderwriter.ca/issues/story.aspx?aid=1000392648
"The danger with EMF is that, like asbestos, the exposure insurers face is underestimated and could grow exponentially and be with us for many years."
Maxum
Insurance: Exclusion to Electromagnetic Radiation
(1) "Bodily Injury", "property damage" or "personal and advertising injury" arising out of, resulting from, caused by or contributed to by electromagnetic radiation, provided that such injury or damage results from or is contributed to by the pathological properties of electromagnetic radiation; or
(1) "Bodily Injury", "property damage" or "personal and advertising injury" arising out of, resulting from, caused by or contributed to by electromagnetic radiation, provided that such injury or damage results from or is contributed to by the pathological properties of electromagnetic radiation; or
(2) The costs of abatement or mitigation electromagnetic radiation or exposure to electromagnetic radiation. This exclusion also includes:
(a) Any supervision, instructions, recommendations, warnings or advice given or which should have been given in connection with the above; and
(b) Any obligation to share damages with or repay someone else who must pay "damages" because of such an injury or damage.
"Damages" mean compensation only in the form of money, for a person or entity who claims to have suffered a "bodily injury" or "personal and advertising injury" or who claims to have sustained "property damage"
Insurance and Liability of Wireless Communication Carriers
Listed are documents from insurance
companies, court cases that have been awarded compensation for RF radiation
adverse health effects, industry defence attorneys, actuaries, and from the
news/web media. They claim limits of
liability for any adverse RF health effects in their contract with the user,
and maintain that they do not have to carry tort or liability insurance.
http://www.mainecoalitiontostopsmartmeters.org/wp-content/uploads/2013/04/EV9-Insurability-Liability-Corrected-4-8-13-PUC-464.pdf
WHY SWISS RE WILL NOT RE-INSURE MOBILE PHONES FOR HEALTH RISKS
"A re-insurance company is a company
that backs up an industry for claims that the industry may not be able to
cover. Possibly the largest re-insurance
company in the world, Swiss Re, will not take this liability on with cell
phones and health effects. At present,
most cell phone companies are “self insured”.
Meaning, they may be able to just file bankruptcy should there be too
many claims.”
“In its Swiss Re SONAR Emerging Risks
report, 2013, which covers risks that could “impact the insurance industry in
the future”, the company categorises the impact of health claims related to
electromagnetic fields (EMFs) as ‘high’.
It acknowledges recent reports of courts ruling in favour of claimants
who have experienced health damage from mobile phones, and also says that
anxiety over risks related to EMFs is “on the rise”
Austrian
AUVA Report: Insurance Company Presents Research on Health Risks from Cell
Phone Radiation
“The ubiquitous exposure to this unnatural type of radiation at unprecedented levels of power density harms human health. Short-term and long-term health impairments are preprogrammed and will especially manifest in the next generation if politically responsible actions are not taken immediately.”
http://www.eirewaves.com/media/auva_report.pdf
Why would insurance companies exclude
injuries from electromagnetic radiation if it were completely safe for all
persons including children and pregnant women?
Saturday, 5 September 2015
School Being Sued For ADA Violations - Wi-Fi Accommodations needed because of Sensitivity to Wi-Fi
The school installed Wi-Fi in Spring 2013, when a
12-year-old boy started to experience troubling
symptoms, which he reported to his parents when he
came home from school. These included
severe headaches, itchy skin, and rashes. The school
nurse indicated that various children in the same
classes were reporting increased headaches,
dizziness, nausea and chest pressure. The symptoms
were present whenever he was at school.
Experts warn
pregnant mothers to keep cell phones and other
wireless devices away from their wombs
Patricia Wood, Executive Director of Grassroots Environmental Education and co-creator of the BabySafe Project says, “The wireless world may be convenient, but it’s not without risks.” She goes on to explain that “when more than one hundred of the world’s leading medical doctors and researchers on wireless radiation say we have enough evidence for women to take protective action, we think women should know about it.”
Patricia Wood, Executive Director of Grassroots Environmental Education and co-creator of the BabySafe Project says, “The wireless world may be convenient, but it’s not without risks.” She goes on to explain that “when more than one hundred of the world’s leading medical doctors and researchers on wireless radiation say we have enough evidence for women to take protective action, we think women should know about it.”
Insurance Companies Won't Cover Cell Phone Brain Tumor Product Liability Lawsuits
The insurance industry has refused to provide product liability insurance on cell phones primarily due to this concern as they fear that cell phone litigation may turn out like tobacco or asbestos litigation did with huge punitive awards.
https://www.youtube.com/watch?
Dr.
Erica Mallery-Blythe has dedicated this video to Jenny Fry, the
15-year-old girl with EHS who recently committed suicide by hanging.
Her parents fought for over 2 years to have the wireless technology
removed from her school. They were convinced it was damaging her health
both physically and psychologically. Parent should not be forced to
choose to whether to educate their children or safe guard them.
https://vimeo.com/131798243
https://vimeo.com/131798243
Progress in Austria's South Tyrol: “Applying the Precautionary Principle”
1.
To replace existing
wireless networks whenever possible with networks
that emit less radiation at schools, preschools,
hospitals, nursing homes, and other public
facilities…
2. To establish a working group whose mandate it is to assess these new technologies and their exposure levels. With regard to wireless communication technologies, mobile Internet access, and public health, the working group shall clarify which technologies emit less radiation and provide sustainable technology options…
3. To start an education and awareness campaign that informs about possible health risks, especially regarding the unborn, infants, children, and adolescents and that develops guidelines for a safer use of cell phones, smartphones, and Wi-Fi …
2. To establish a working group whose mandate it is to assess these new technologies and their exposure levels. With regard to wireless communication technologies, mobile Internet access, and public health, the working group shall clarify which technologies emit less radiation and provide sustainable technology options…
3. To start an education and awareness campaign that informs about possible health risks, especially regarding the unborn, infants, children, and adolescents and that develops guidelines for a safer use of cell phones, smartphones, and Wi-Fi …
http://kompetenzinitiative.
Saturday, 4 July 2015
Canadian Parliament Committee Calls for Protection of Vulnerable Groups from Wireless Radiation Exposure
The witnesses discussed possible links
between RF exposure
and cancer, reproductive issues and autism. Concerns were
raised about RF
exposure in schools due to use of Wi-Fi; the need for RF
exposure limits to
protect vulnerable populations such as pregnant women, infants
and children,
and persons with electromagnetic hypersensitivity (EHS).
The
Canadian Parliament’s Standing Committee on Health (HESA)
A
historic report making 12 recommendations to the Canadian
government after
holding public hearings on Health Canada’s Safety Code 6 on
human exposure to
electromagnetic fields. Entitled Radiofrequency
Electromagnetic
Radiation and the Health of Canadians,
the report calls notably on
Canada to « continue to provide reasonable accommodations for
environmental sensitivities, including electromagnetic
hypersensitivity, as
required under the Canadian Human Rights Act »
Environmental idiopathic
intolerance: what role for EMFs and
multiple chemicals?
Program/Presentations
Dr. Lennart Hardell, Professor in Oncology and Cancer Epidemiology University Hospital, Sweden
Dr.
Anthony B. Miller, Professor Emeritus at U. of Toronto's
School of Public
Health.
Presentation to Canadian Parliamentarians about
the health
impact of non-ionizing radiation (cellphones, WiFi, cordless
phones etc)
Parental opposition to use of laptops, tablets in schools grows - Israel
According
to the Education Ministry, students at some 200 schools are
currently
participating in a computer-based education program that
requires children to
bring a tablet or laptop device to class. Over the past year,
however, parents
have raised concerns, ranging from radiation from wireless
devices to the
economic inequalities the program highlights.
The
History of the
Health Effects from RF and Microwave Radiation from the
Archives of Dr. Zory R.
Glaser Ph.D., LT, MSC, USNR
1972 – Bibliography
of Reported
Biological Phenomena (‘effects’) and Clinical Manifestations
Attributed to
Microwave and Radio-Frequency Radiation
Our government knows Microwave Radiation Exposure has Health Risks and they are exposing our Children in school.
Dr. Oz Alert - Why Cell Phones Could Cause Cancer in Kids
Dr. Oz
discusses the potential harmful effects of cell
phone radiation in kids in this segment subtitled
Dr. Oz Alert
EHS - Press Conference 5th Paris
Appeal Congress
A focus on
ElectroHyperSensitivity (EHS) and Multiple Chemical
Sensitivity (MCS)
The Brain Tumor That Killed the Vice President’s Son Has Been Linked to Cell Phone Radiation
The son of Vice
President Joe Biden had a glioblastoma multiforme,
or GBM. This all-too-common tumor has been linked to
cell phone use.
Pediatric Occupational Therapist Cris Rowan's Open Letter to Schools who Use Wireless Radiation
In my capacity as a pediatric occupational therapist, biologist, speaker, and author on the subject of the impact of technology on child development and learning, I’m writing to you on behalf of students, teachers, and parents requesting the urgent removal of wireless radiation from all school environments.
http://mieuxprevenir.blogspot.
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