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School Boards Left On The Hook For Wi-Fi Injuries

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

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.


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?


“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 another recent Endorsement Change sent out by the Maxum Indemnity Company Posted by Janis Hoffmann at 06:56 
Janis Hoffmann
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