Electromagnetic Fields (EMFs) are generated by any electronic device that uses electricity. While EMFs are harmless at low levels, high levels of exposure can lead to serious health problems. In the UK, there are various types of insurance issues connected to EMF exposure, and one of the most significant is health insurance claims.
EMF exposure and Health Insurance Claims
Exposure to high levels of EMFs can lead to various health problems, including cancer, miscarriage, and birth defects.
If an employee can prove that their health problems were caused by EMF exposure in the workplace, they may be entitled to compensation from their employer.
The Health and Safety Executive (HSE) provides guidance on EMF exposure levels and the associated health risks. The HSE states that there is a significant amount of evidence that exposure to EMFs can cause health problems, and that employers have a legal duty to protect their employees from excessive exposure.
Under the Control of Electromagnetic Fields at Work Regulations 2016, employers are required to assess and control the risks from EMF exposure in the workplace. This includes carrying out EMF surveys to identify areas where EMF exposure is high and taking steps to reduce exposure levels.
Why Employers should carry out EMF Surveys
Carrying out EMF surveys is crucial for employers to protect their employees from health problems caused by EMF exposure. By identifying areas in the workplace where EMF levels are high, employers can take steps to reduce exposure levels and minimize the risk of health problems.
Compliance with Regulations
It is also important for employers to carry out EMF surveys to comply with the Control of Electromagnetic Fields at Work Regulations 2016. These regulations set out the legal requirements for employers to protect their employees from excessive EMF exposure. Failure to comply with these regulations can result in legal action, including fines and imprisonment.
Avoiding Liability Insurance Claims
If an employee suffers health problems due to EMF exposure in the workplace, their employer may face liability insurance claims. Liability insurance covers the cost of legal defense and any damages awarded to the claimant. By carrying out EMF surveys and taking steps to reduce exposure levels, employers can reduce the risk of liability claims and protect their business.
Creating a Safe and Healthy Workplace
Finally, carrying out EMF surveys and taking steps to reduce exposure levels can help employers create a safe and healthy workplace for their employees. This not only benefits employees’ health but also increases productivity and reduces absenteeism.
In conclusion, exposure to high levels of EMFs can lead to various health problems, and employers have a legal duty to protect their employees from excessive exposure. Health insurance claims are a significant issue connected to EMF exposure in the UK, and employers should carry out EMF surveys to identify areas of high exposure and take steps to reduce exposure levels. By complying with regulations, avoiding liability claims, and creating a safe and healthy workplace, employers can protect their employees and their business.