School districts, school boards and school medical health officers in Canada have been notified that Lloyd’s of London has now excluded any liability coverage for injuries, “directly or indirectly arising out of, resulting from or contributed to by electromagnetic fields, electromagnetic radiation, electromagnetism, radio waves or noise.” This includes the radio frequency radiation emitting from Wi-Fi and other wireless devices in schools.
On February 18, 2015, the 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.”
This decision is important because Lloyd’s of London, one of the largest insurance companies in the world, often leads the way in protection by taking on risks that no one else will. But, the decision is not surprising because Lloyd’s refused to cover mobile phone manufacturers against risks to users’ health more than a decade ago in 1999.
What (exactly) are the risks associated with Wi-Fi radiation?
In 2011, the World Health Organization designated radio frequency radiation of the type emitted by Wi-Fi devices to be a ‘class 2B possible human carcinogen.’ Many independent experts now think this classification downplays the significant dangers posed by wireless technology – especially when you consider the thousands of peer-reviewed, non-industry funded studies by scientists and medical experts that show that Wi-Fi radiation is harmful, especially to children.