Electromagnetic Fields (Utilities) Liability Insurance

Classified alongside chemicals, smoke, and asbestos as “pollutants” electromagnetic fields (EMF) poses a high risk to various persons such as users of electrical power, electrical power generating companies, power transmission companies, and large generators. Sources of possible EMF health risks include radio frequencies, extremely low frequencies, and static magnetic fields. In homes, EMF exposures come from electrical appliances. The public has targeted cell phone manufacturers and electric power lines as likely EMF targets. Electromagnetic Fields (Utilities) Liability Insurance is a way for prudent companies to minimize exposure to vexatious litigation and adverse publicity.


“Electromagnetic field exclusions” are clear and common in most insurance companies. It is applied as a market standard. This exclusion serves to exclude cover for illnesses caused by long-term EMF (non-ionizing radiation) exposure. For EMF liability insurance cover you have to purchase additional “Pollution Liability” coverage. EMF liability insurance covers claims brought by third parties for body injuries and property claims by third parties. This policy does not pay for damage caused by artificially generated electromagnetic, magnetic and electrical energy that  damages, disrupts or interferes with any device, appliance, system, electronic wire or network utilizing satellite or cellular technology. 

Amount and Exclusions

Coverage is limited by the policy terms. Deductibles that are paid out of pocket are available before any insurance coverage starts.  Caution needs to be taken to ensure that claims regarding electrical, electromagnetic and magnetic energy emissions are not in the exclusions of pollution liability insurance coverage. Pre-existing EMF emissions from electrical, magnetic and electromagnetic energy may be excluded from the coverage. Specific known hazards relating to EMF emissions may be added to the coverage depending on the risk involved.

Electromagnetic field liability insurance protects electrical power generating companies, users of electrical power and electrical power providers against losses resulting from electrical, magnetic and electromagnetic energy emissions.
Not an Insurance Agent? No problem, we help hundreds of people find the right agent/advisor every day!
Visit our dedicated Insurance Consumer section and we will recommend the right agent for your specific needs.

Insurance for You, Your Family or Your Business 
Quick and simple; secure and confidential. We share your info with only ONE of our insurance experts. Our unique, proprietary process is designed to get you the best local expertise available.

If you are an Insurance Agent, looking to help an Insured, we can help you 
Find A Marketby matching you to our MGA/Wholesaler/Carrier partners.
Further Reading 
Unfortunately, mishaps on construction sites are all too frequent. The combination of multiple activities with dozens or hundreds of people operating complex and dangerous equipment, often in poor or threatening weather, can easily result in accident...
Most companies will need to undergo some remodeling, repairs, or possibly even an expansion at some point or another. Such work is most often outsourced to a vendor. Before you hire a vendor to do work at your facility, you want to protect the fina...
On April 20, 2011, someone hacked the Sony Playstation Network. They found an opening in the online video gaming network's password-reset system and penetrated the security protecting its customer database. Days later, the company admitted that the h...
In today's high-tech world, individuals can carry thousands of client files on flash drives in their pockets or purses. People are conducting business on the go and sensitive information is accessible at the click of a button. Managers are using thei...
It's not uncommon for a celebrity or other high profile figure to post something incendiary on Twitter, only to claim, an hour later, that their account was hacked. But if we're being honest, how likely is it that they just regretted posting it, and ...