Shedding Light in the Darkness

Insurance Companies Concerned About Health Impact of Electromagnetic Fields


Specialists from the Emerging Risks team at leading global reinsurance firm, Swiss Re, have warned the insurance industry that “unforeseen consequences of electromagnetic fields” could lead to a raft of claims and significant product liability losses in the next 10 years.

Swiss Re’s SONAR Emerging Risks report, 2013, which covers risks that could “impact the insurance industry in the future,” categorizes the impact of health claims related to electromagnetic fields (EMFs) in the highest impact category. It acknowledges recent reports of courts ruling in favor of claimants who have experienced health damage from mobile phones, and also says that anxiety over risks related to EMFs is “on the rise”.

“If a direct link between EMF and human health problems were established, it would open doors for new claims and could ultimately lead to large losses under product liability covers.”

In February this year, major global insurer, Lloyds of London, announced they will no longer cover medical expenses incurred du to exposure to electromagnetic fields.

“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.”

They have 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.”  

Lloyds has refused to cover mobile phone manufacturers against risks to users’ health since 1999.


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