CST News Feed

Insurance and Liability


INSURANCE and LIABILITY: INTRODUCTION to TOPIC



Feb 10
2016

Insurance Underwriting Offices across the US are contemplating new rules that will specifically deny coverage for fires and damage caused by 'smart' meters.

"Due to the accumulation of fire related damage to homes and businesses from Smart Meter related malfunctions, Insurance Underwriting Offices across the country are contemplating new rules that will reduce the coverage available to you due to fire damage from a Smart Meter failure.

"In the past, only two reasons existed for an insurance company to consider not paying for fire damage to your home or business, they were arson, and the fact the home or business sat vacant for at least 60 days or more before the fire.  

"Now a possible third reason can be added to that list, is the malfunction of a Smart Meter. What will most likely take place is that you will receive a notification from your Insurance Company telling you that a new limitation of coverage is now in force on your policy. When fire damage occurs to your home or business and the cause of the fire can be traced to a malfunction of your Smart Meter, then your company would not be held responsible for the financial loss.

"The reason for this type of Draconian action on the part of the Insurance industry is simple, to save money. It appears that as the Smart Meters age, more problems are developing with them. When you couple this with the continued lack of co-operation from the Utility Companies, a reduction in the amount of coverage for an insurance policy is the only remaining answer.  

"The Utilities lack of co-operation can be reduced to two specific items. Number one would be the utilities continued action of removing the Meters from the loss site without giving the Insurance Company the chance to examine the Meter to determine the cause of the fire. It seems that as long as the Utility Companies continue in this practice, a cancellation in coverage from a Smart Meter fire is the end result. The reason that utility companies give for removal of the Meters is that the meters belong to the Utility Company which is a true statement, however, in the spirit of co-operation and concern for their customers, the Utility Companies should leave the Meters at the loss site until a complete examination of them can be done.

"A second and perhaps more compelling reason for removal of the Smart Meters from the loss site is that the Utility Company does not want the Insurance Company to discover that most Meters have been operating at a higher temperature than usual. The normal ambient operating temperature for a new Smart Meter is 89 Degrees, the average operating temperature for the Analog Meters, which the Smart Meters replaced, is 85 degrees. The way in which the Utility Companies dealt with this problem was to drill two holes in the top of the Meter casings to let the heat out. Well, they let the heat out, but also let water and dust inside which made the malfunction of the Smart Meter almost a certainty.  

"If you have the opportunity, consult your state's Public Utility Commission and refuse to have the new Smart Meter installed, it may just save you money."




Aug 10
2015

Shocking Insurance Industry Position on Smart Meters.

Interview with Sharon Noble - August 7, 2015

The focus of this interview on The Goddard Report is fires as they relate to Itron "smart" meters.

At the 7'30" mark, reference to the Class Action against B.C. Hydro clarifies the time of the upcoming Court date for the judge to accept or reject CSTS's application for certification. Currently the date is set for December, 2015, but these targets keep changing. Time will tell. Your support and donations continue to be highly valuable, and any contributions you can make would be appreciated.  

Residential
Commercial

Are Smart Meters pumping out a lot more radiation than government admits?
Guest's website: http://www.stopsmartmetersbc.com/




Apr 12
2015

Hidden Health Warnings - Canada and U.S.

Have you found and read the health and safety cautions in your device?

Union Roots To Know - Canada 

A Right To Know: Smartphones, iPads/tablets, Smart Boards, document cameras, routers, etc...




Apr 12
2015

Insurance industry responds to the risks of wireless technologies

Who's responsible? Who pays--who doesn't pay? (2-page handout)

  • United States: Regulatory Warning 
  • Employer Liability
  • Occupational Health and Safety 
  • Health and Safety School Legislation
EVERY employer must ensure that the employer's workers are made aware of all known or reasonably foreseeable health or safety hazards to which they are likely to be exposed by their work. BC Occupational Health& Safety Regulation -General duties of employers Canadian Centre for Occupational Health and Safety Div.3-2b




Mar 31
2015

School Boards Left On The Hook For Wi-Fi Injuries.

By Janis Hoffman - THE BRIDGE NEWS SERVICE - Non Corporate Media from Canada

"School officials could be personally liable for exposing children and staff to microwave radiation in our schools.

"School districts, school boards and school medical health officers 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 would include the microwave radiation emitting from the commercial wi-fi transmitters and wireless devices in our schools. . . .

SEE ALSO HERE




Mar 27
2015

Wi-Fi Alert (Lloyd Burrell)

: School officials may be personally liable for exposing children to wireless radiation

(NaturalHealth365)

"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 . . . .

 " . . . here are some other steps you might want to consider to protect your health. "If you're a parent, become an advocate at your kids school and in your neighborhood. Make your voice heard if you hear about cell towers going up in your neighborhood. These are big money-makers for the telecommunications companies but the money isn't worth the health risks.

"The insurance companies have understood the risks associated with Wi-Fi radiation. Make sure you have too and follow the tips above to protect yourself and your family as much as possible."




Mar 20
2015

Shocking Insurance Development

Lloyds of London - The Goddard Report

Interview with Sharon Noble - March 18, 2015

Lloyds of London Insurance is now excluding electromagnetic radiation injuries from their policies. School officials who have been made aware of the health risks from electro-magnetic radiation could be personally liable for exposing children and staff to microwave radiation in our schools. Please note that in a court of law, one cannot use any Regulatory body such as Health Canada as an excuse for ignoring warnings.




Feb 28
2015

School Officials Left On The Hook For Wi-Fi Injuries

School officials could be personally liable for exposing our children to microwave radiation in our schools.Parents for Safe Schools


(Alternative version by The Bridge News Service posted HERE)

Follow through re. Lloyd's insurance waiver: Parents and teachers have a right to know that the Wi-Fi being installed in schools throughout the province (even those with wired internet access) emits microwave radiation that has the potential to do great harm. 

"School Districts, School Boards and School Medical Health Officers should know 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." (Exclusion 32) This would include the microwave radiation emitting from the Commercial Wi-Fi Transmitters and Wireless Devices in our schools. 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. See the recent A&E renewal policy, which, as of Feb. 7, 2015, excludes any coverage associated with exposure to non-ionizing radiation. http://parentsforasafeschool.blogspot.ca/2015/02/wording-for-insurance-policy.html  

[and http://citizensforsafetechnology.org/Lloyds-of-London-excludes-coverage-for-RFEMR-claims,15,4168].

"In response to a request for 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-ionizing radiation exposure i.e. through mobile phone usage."

"Will the individual people who approved the installation of a known 2b carcinogen in our schools be held personally liable for negligence? School Officials have refused to acknowledge the 1,000's of peer-reviewed, non-industry funded studies by scientists and medical experts that have been presented to them.

"Directors Insurance applies to people who are performing their duties "in good faith." But are they still protected when they have been Willfully Blind to the pleas from scientists and medical experts who have warned them over and over again of the health risks to our children? Will the fact that School Officials refuse to inform parents, teachers and students about the warnings in Safety Manuals and Disclaimers that come with wireless devices also make them liable? (Exclusion 27) Are these people guilty of not doing their job by providing our children an education in a safe school environment?

Definitions:

"In good faith" In contract law, the implied covenant of good faith and fair dealing is a general presumption that the parties to a contract will deal with each other honestly, fairly, and in good faith, so as to not destroy the right of the other party or parties to receive the benefits of the contract.

"Willful blindness" (sometimes called ignorance of law, willful ignorance or contrived ignorance or Nelsonian knowledge) is a term used in law to describe a situation in which an individual seeks to avoid civil or criminal liability for a wrongful act by intentionally putting him or herself in a position where he or she will be unaware of facts that would render him or her liable. This information begs the question, why would an insurance company exclude injuries from electromagnetic radiation if it were safe for children and the unborn?

Below is a another recent Endorsement Change sent out by the Maxum Indemnity Company:




Feb 22
2015

Lloyd's of London excludes coverage for RF/EMR claims

Letter to Government from Sharon Noble - Director of Coalition to Stop Smart Meters in BC (includes A&E Policy Document)

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:




Feb 18
2015

Letter of Notice re Betrayal of Public Trust

to Richard Adams of the European Economic and Social Committee (EESC) from Eileen O'Connor, Director of Radiation Research Trust

Please read and share the following amazing letter by Eileen O'Connor of the UK's Radiation Research Trust.  In it, she confronts Richard Adams for failing to disclose his conflicts of interest with utility companies that are pushing smart meters throughout Europe. Mr. Adams influenced members of the European Economic and Social Committee to consider that Electro-hypersensivity (EHS) is psychosomatic, and not a physical reaction to the RF/EMR. The estimates are that 22,000,000 to 37,000,000 people in Europe alone suffer EHS, but this could be low, and definitely will be increasing, just as it is in Canada.

Note that both The Coalition to Stop Smart Meters, and Citizens for Safe Technology are signatories.

SEE ALSO: FINAL RESOLUTION EESC

Excerpts:

". . . The Radiation Research Trust reminds Mr Adams of his duty to respect the relevant convention rights applicable before the dissemination of smart meters and draws his attention to Section 6 (1) of the Human Rights Act of public authorities 1998 which states clearly "it is unlawful for a Public Authority to act in a way which is incompatible with Convention Right." Article 6 "the right to a fair and impartial hearing" and article 8 "the right to respect for private and family life, home and possessions." The rights of people suffering with electrohypersensitivity are currently violated. It is time to apply the Convention established in the European Court of Human Rights. Any person who feels his or her rights have been violated under the Convention by a state party can take a case to the Court and call for support for the right to life, prohibition of torture and prohibition of discrimination, this is a basic requirement in policy making. The European Convention on Human Rights (formally the Convention for the Protection of Human Rights and Fundamental Freedoms) is an international treaty to protect human rights and fundamental freedoms in Europe which in democratic societies are usually afforded legal protection from the state. . . .

"Many people are now looking for justice following the milestone legal cases being won related to EMFs. As examples: in 2011, the Spanish Labour Court in Madrid declared hypersensitivity, caused in part by EMF exposure, can cause permanent disability. In 2012, the Italian Supreme Court ruled the Insurance Body for Work (INAIL) must compensate a worker who developed a tumour due to long-term, heavy use of mobile phones on the job. In 2013, the Australian government was ordered to pay claims for damaging the health of an employee with EMF sensitivity. Such rulings set a precedent for future conditions related to hypersensitivity to these microwaves.

"A new perspective is required by the telecommunications industry in order to better protect the general public, the environment and their own shareholders. The same holds true for governments. Potential risks are already being acknowledged in industry. . . .

"The clock has started ticking on liability and the time has arrived to deal with this issue as a matter of urgency . . . 

"As of 18th February, 2015 European Economic and Social Committee (EESC) member Mr. Richard Adams absolutely, irrefutably has received the latest science from doctors and scientists from around the world on this issue. 

"Future claims for damages to health as a result of the counter-opinion on electrohypersensitivity being accepted by the EESC could be founded on this letter . . . 




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e-mail: una@citizensforsafetechnology.org