A Coming Storm For Wireless?

Global Insurers Withdraw from RF Exposure Coverage

In 2013, AM Best, the leading insurance rating agency, estimated that 250,000 workers are overexposed to radiation annually at wireless antenna sites.  Since then, global insurers have chosen to exclude RF coverage from their policies.  The last global insurer to exit the RF exposure market was Lloyd's of London in 2015.  The ramifications of insurance firms excluding RF coverage are considerable. Without insurance coverage, wireless providers may find property owners less willing to lease space for antennas and current property owners may be less willing to renew existing leases. Without adequate insurance, the risk to the property owners far outweighs the lease revenue they receive. A single uninsured RF injury claim can wipe out years of lease revenue and expose the property owner to expensive litigation costs.

In Harm’s Way

Historically, antennas have been placed at inaccessible, remote, or fenced locations to prevent accidental RF exposure. However, as the demand for better service has increased, antennas have continued to encroach into urban and residential areas. Wireless carriers now install antennas in the sides of buildings, on rooftops, or in faux-chimneys, many of which are disguised to the untrained eye.  As such, a painter, roofer, or other contractor performing routine maintenance on the building is placed in immediate danger due to close proximity to transmitting antennas while remaining unaware of any potential hazard.

The Unaware Medical Community

The medical community is ill-prepared to handle RF overexposure cases since physicians are neither educated nor trained to recognize the symptoms of RF radiation overexposure.  Furthermore, they lack the knowledge to treat overexposure injuries.  RF overexposure injuries resemble a variety of other ailments and therefore are commonly misdiagnosed.  To the insurance industry, these injuries are classified as “Incurred but Not Reported” and are a significant factor in their decision to exclude RF exposure coverage.

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