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.”  

On February 18, 2015, the UK agent for Lloyd’s stated,

“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.”

School officials could be personally liable for exposing children and staff to microwave radiation (from wifi etc) in our schools.

More information: 

https://www.rfsafe.com/lloyds-of-london-insurance-wont-cover-smartphones-wifi-smart-meters-cell-phone-towers-by-excluding-all-wireless-radiation-hazards/ 

http://stopsmartmeters.org.uk/lloyds-of-london-excludes-liability-coverage-for-harm-from-wireless-radiationrf-emf

Reports & White Papers Of Insurance Industry On Electromagnetic Radiation Health Risks And Liability

https://ehtrust.org/key-issues/reports-white-papers-insurance-industry/