Electromagnetic Fields (EMFs) are generated by any electronic device that uses electricity. Examples of such devices include mobile phones, computers, microwaves, and power lines. 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 this report aims to highlight some of them. Additionally, the report will explain why it is important for employers to carry out EMF surveys.
Types of Insurance Issues Connected to EMF Exposure
1. Health insurance claims
One of the most common types of insurance issues connected to EMF exposure is health insurance claims. This is because 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.
2. Liability insurance claims
Employers can also face liability insurance claims if their employees are exposed to high levels of EMFs. Liability insurance covers the cost of legal defense and any damages awarded to the claimant. If an employee suffers health problems due to EMF exposure in the workplace, they may file a liability insurance claim against their employer.
3. Property insurance claims
EMF exposure can also damage electronic devices, including computers, phones, and medical equipment. If an employee’s device is damaged due to high levels of EMFs in the workplace, they may file a property insurance claim against their employer.
Why it is Important for Employers to Carry out EMF Surveys
4. Protecting employees
Carrying out EMF surveys can help employers identify areas in the workplace where EMF levels are high. By identifying these areas, employers can take steps to reduce EMF exposure and protect their employees from health problems caused by EMFs.
5. Compliance with regulations
In the UK, employers are required by law to protect their employees from excessive EMF exposure. The Control of Electromagnetic Fields at Work Regulations 2016 set out the legal requirements for employers. Carrying out EMF surveys is a key part of complying with these regulations.
6. Avoiding liability
If an employee suffers health problems due to EMF exposure in the workplace, their employer may face liability insurance claims. By carrying out EMF surveys and taking steps to reduce EMF exposure, employers can reduce the risk of liability claims and protect their business.
In conclusion, there are various types of insurance issues connected to EMF exposure in the UK, including health insurance claims, liability insurance claims, and property insurance claims. It is important for employers to carry out EMF surveys to protect their employees from health problems caused by EMFs, comply with regulations, and avoid liability claims. By taking proactive steps to reduce EMF exposure, employers can create a safer and healthier workplace for their employees.