The wireless carriers’ insurance policies for their customers list, among their many exclusions, harm or damage caused by exposure to electromagnetic fields (EMF). They both define “pollutants” to include EMF, by any name.
Verizon and ATT’s own mobile device insurance does not include coverage for emission of Pollutants which they clearly define Wireless Radiation by all its names (EMF, electromagnetic fields, microwaves, non-ionizing radiation) as a pollutant actually in greater detail than any of the other pollutants. See direct quotes from their current insurance as of 10-14-18. See attached for copies of their insurance plans.
“Pollution The discharge, dispersal, seepage, migration, escape or presence of pollutants. Pollutants means any solid, liquid, gaseous, or thermal irritant or contaminant including smoke, vapor, soot, fumes, acid, alkalis, chemicals, artificially produced electric fields, magnetic field, electromagnetic field, sounds waves, microwaves, all artificially produced ionizing or non-ionizing radiation and/or waste. Waste includes materials to be recycled, refurbished or reclaimed.” (page 5)
There is a similar document one can download as of January 27, 2019. The “Pollution” definition, which is an exclusion, is paragraph B 16 on page 7.
“P. “Pollutants” means: Any solid, liquid, gaseous, or thermal irritant or contaminant including smoke, vapor, soot, fumes, acid, alkalis, chemicals, artificially produced electric fields, magnetic field, electromagnetic field, electromagnetic pulse, sound waves, microwaves, and all artificially produced ionizing or non- ionizing radiation and waste. Waste includes materials to be recycled, reconditioned or reclaimed.” (pages 7 and 14)
You can download the Verizon and AT&T insurance documents from this page.
If you want a slide presentation (power point) to use in your public comments to your city council or town board, etc. on this subject feel free to download and use this one. It is short and to the point.