Electro-magnetic fields
from mobile phones:
recent developments

Lloyd’s emerging risks team reportDisclaimer
This document is intended for general information purposes only. Whilst all care has beentaken to ensure the accuracy of the information, Lloyd’s does not accept any responsibility
for any errors and omissions. Lloyd’s does not accept any responsibility or liability for any
loss to any person acting or refraining from action as the result of, but not limited to, any
statement, fact, figure, expression of opinion or belief contained in this document.
Date and version: November 2010, version 2.0

Contact details
Tom Bolt

Director, Performance Management

020 7327 6700
tom.bolt@lloyds.com

Trevor Maynard

Emerging Risks Team020 7327 6141
trevor.maynard@lloyds.com

Neil Smith
020 7327 5605
neil.j.smith@lloyds.com

Jennie Kent
020 7327 5811
jennie.kent@lloyds.com

EMERGING RISKS TEAMThe Emerging Risks team is part of the Performance Management Directorate at Lloyd’s.
We define an emerging risk as an issue that is perceived to be potentially significant, butwhich may not be fully understood or allowed for in insurance terms and conditions, pricing,reserving or capital setting. Our objective is to ensure that the Lloyd’s market is aware ofpotentially significant emerging risks so that it can decide on an appropriate response tothem. The Lloyd’s Emerging Risks team maintains a database of emerging risks that is
updated regularly through conversations with the Lloyd’s emerging risks Special Interests
Group, which consists of experts within the Lloyd’s market put together with help from the
Lloyd’s Market Association. The team also maintains contact with the academic community,
the wider business community and government. Contact with academics is often facilitatedthrough the Lighthill Risk Network, an organisation that is run as not-for-profit funded by
AonBenfield, Catlin, Guy Carpenter and Lloyd’s.
More details can be found at www.lloyds.com/emergingrisks-1-

Executive Summary
This paper considers whether exposure to electromagnetic fields (EMF) from mobile phone
use can cause health problems and the impact this could have on the insurance industry.
The main conclusions of the report are:

1 The World Health Organisation recommends a precautionary
approach. Despite the view of the WHO and the European Union that there is at present
no conclusive evidence of adverse effects caused by EMF they believe the slow emergenceof health impacts means that governmental bodies should impose exposure limits asrecommended by the International Commission for Non-Ionising Radiation Protection. They
also recommend longer term studies with people exposed for over ten years and with those
exposed to higher levels.

2 The majority of epidemiological studies show no increased risk ofbrain cancer. Most new scientific research studies into the health effects of EMF focuseson the possible increased risk of brain cancer. Although the majority find no increased risk
they conclude that the long latency periods (time between exposure and the appearance ofthe disease) of some cancers mean that more long-term studies are needed before any risk
can be ruled out. Two studies have shown an increased risk of certain types of brain cancer
but there are problems associated with the methodology of these studies. Neither in vivo
(experiments on laboratory animals) nor in vitro (experiments on cell cultures) studies
provide evidence that exposure to EMF can cause an increase in cancer risk.

3 No conclusive evidence of other medical issues has yet been
demonstrated. Other potential health issues resulting from exposure to EMF include
self-reported symptoms such as headaches and dizziness, nervous system effects andimpacts on reproduction and development. So far there is no conclusive evidence to support
the theory that EMF causes any of these problems.

4. More research needs to be conducted on how exposure affects
children. It is very difficult to make conclusions about the affects on children fromstudies on adults. There is some evidence showing that due to physiological differenceschildren are actually subject to exposures higher than the recommended limits. Further
research is needed to rule out risks in this area.

5 Legal cases to date favour the mobile phone industry. In Newman v
Motorola (2002) the judge rejected the plaintiffs’ expert witness’ evidence that EMF causes
brain cancer on the grounds that it was generally not widely accepted by the scientificcommunity, and that there were flaws with recall bias in the studies. In Murray v Motorola(2009) the judge ruled that plaintiffs are not able to claim for damage caused by mobile
phones which conform to US legislation. However, the case is proceeding alleging thedefendants have fixed the results of their exposure tests and have suppressed information.

6 EMF cases could be more complex than asbestos claims. Similar issues
would occur such as the definition of an actionable injury, policy triggers and apportioning
liability. The latter would be even more difficult than asbestos cases since in 70% to 80%1 ofcases mesothelioma is caused by exposure to asbestos, whereas brain cancer arises inmany more cases where there has been no exposure to EMF.

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Contents
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Introduction
Current Intergovernmental Position
2.1
World Health Organisation
2.2
European Union
2.3
Exposure Limits
3
Scientific Evidence of health effects due to EMF exposure
3.1
Background3.2
Cancer
3.3
Radio frequency and self reported symptoms
3.4
Nervous system effects
3.5
Reproduction and development
3.6
Children4
Insurance Implications
4.1
Insurance cover
4.2
Legal cases
4.3
Lessons from Asbestos
5
Conclusions
6
Next steps
Glossary
Sources of information

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1. Introduction
Mobile phone use has increased rapidly worldwide since the early 1990s. In June 2009 there
were more than 4.3 billion mobile phone connections around the world2. Mobile phones emit
radio and microwave frequency electromagnetic fields (EMF), and there are many concerns
about possible health effects of such EMF exposure.
There has been wide coverage of this issue in the press as well as a large body of scientificresearch into the issue. Unfortunately, due to the potential long term impacts of EMF
exposure on health, there are so far no definitive conclusions as to whether EMF is harmful
or not.
To judge any potential impact of EMF on the insurance industry we should look at both theavailable scientific research and the implications that a conclusive link between EMF anddisease could have to applicable policies.
This document looks first at current views on EMF as stated by international bodies such as
the World Health Organisation and the European Union, and then goes on to examine recent
scientific research into the field. It finally considers the implications for the insurance industry
by scrutinising current legal cases on EMF and any comparisons which can be drawn withasbestos.

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2. Current Intergovernmental Position
The position of the WHO and the EU is that at present there is no conclusive evidence that
EMF exposure under the current legislative levels causes adverse effects on health. Moreresearch is needed on long-term studies with people exposed for over ten years. They
therefore recommend a precautionary approach to the use of this technology and thatgovernmental bodies impose exposure limits as recommended by the International
Commission for Non-Ionising Radiation Protection (ICNIRP).
2.1 WHOThe WHO document ‘What effects do mobile phones have on people’s health?’ published in
November 2006 states that “the evidence available does not provide a clear pattern tosupport an association between exposure to radio frequency (RF) and microwave radiationfrom mobile phones and direct effects on health.”3 However it cautions that lack of available
evidence of detrimental effects on health should not be interpreted as evidence of absenceof such effects and recommends a precautionary approach to the use of this communication
technology until more scientific evidence becomes available. The WHO intend to update its
position on EMF and health effects in 2010, after publication of the Interphone study (seesection 3.2.1.1).
2.2 EUThe Scientific Committee on Newly Identified and Emerging Health Risks (SCNIEHR)
updated its position on the Health Effects of Exposure to EMF in 20094. It concludes thatmobile phone use for less than ten years is not associated with cancer incidence, thoughfurther studies are required to identify whether longer term human exposure might posesome cancer risk. It therefore also recommends a precautionary approach in line with theWHO. In 2008 the EU parliament passed a resolution on the mid-term review of theEuropean Environment and Health Action Plan 2004-2010 which means it must update is
position on the health risk associated with EMF and review exposure limits5. The parliamentis due to respond in 2010.
2.3 Exposure Limits
Guidance on exposure limits is given by the International Commission for Non-Ionizing
Radiation Protection (ICNIRP)6, which has been adopted by over 80 countries, and theInstitute of Electrical and Electronics Engineers (IEEE) in the US. The rate at which radiation
is absorbed by the human body is measured by the Specific Absorption Rate (SAR), andmaximum levels are set by many governments, based on the ICNIRP and IEEE
recommendations.
In the US, the Federal Communications Committee has set a SAR limit of 1.6 watts per
kilogram(W/kg), averaged over a volume of 1 gram of tissue, for the head. In Europe, thelimit is 2 W/kg, averaged over a volume of 10 grams of tissue7. SAR values are difficult tomeasure and heavily dependent on the size of the averaging volume and so it is not possible
to compare the two standards.
Mobile phones are tested under worst case conditions by the committee - at the highest
power level. The emitted power is often considerably lower than the maximum power due tovarious factors like power control and discontinuous transmission.
Guidelines are drawn up with the intention of protecting against acute effects of high levels
of EMF exposure, such as stimulation of nerve and muscle cells due to induced currents andtissue heating. The current potential health issues surround the possibility that health effects
could occur at exposure levels below those set in the guidelines when exposure is over alonger term.8-5-

3. Scientific Evidence of health effects
This section looks at recent research into whether EMF exposure from mobile phones cancause adverse health effects. It first considers whether there is an increased risk of cancer
by considering epidemiological, in vivo and in vitro evidence. The majority of epidemiologicalevidence shows no increased risk of brain cancer with EMF exposure. Two studies haveshown an increased risk of certain types of brain cancer on the same side of the head asphone use, which is where the EMF is absorbed, however, it could not be concluded
whether this was due to a causal effect or recall bias. Neither in vivo nor in vitro studies
provide evidence that exposure to EMF can cause an increase in cancer risk. It then goes
onto look at other potential health issues including self-reported symptoms, nervous systemeffects, reproduction and development and potential effects on children – so far there is noconclusive evidence to support the theory that EMF causes any of these problems. It should
be noted, however, that more long-term studies are needed before any risk can be ruled out,
particularly on children.
3.1 BackgroundIn the 1980s first generation mobile phones, using analogue technology, only transmitted
sound. Digital transmission and the global system for mobile communication started in 1991
and included new developments such as data and image transmissions. Third and fourth
generation mobile phones currently on the market offer additional services to the user suchas high speed internet access. All mobile phone signals transmitted and received are in theform of waves in the Radio Frequency (RF) and Microwave parts of the spectrum.

Waves
RF wave radiation is non ionizing radiation with wavelengths that range from 3kHz
to 300MHz.
Microwaves have wavelengths which range from 300Mhz to 300GHz and are also
non ionizing.
Non ionizing radiation means that the radiation does not have enough energy tocause direct damage to DNA, and so is unlikely to cause cancer formation via themechanism of DNA damage.

Since mobile phones are used close to the head and the radiofrequency is absorbed mainly
within a small area of the skull near the handset, most research is into the possibility ofmobile phone use increasing the risk of brain cancer, focusing on intracranial tumours 9.
Other research into health effects of mobile phone use looks at self reported symptoms:
nervous system effects; reproduction and development; and effects on children, all of which
will be considered briefly below.

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There are three lines of investigation into whether exposure to EMF is involved in
carcinogenesis:•••

Epidemiology (the study of groups of people to see if certain factors affect the health of
populations).
In vivo experiments (on laboratory animals).
In vitro experiments (on cell cultures).

Epidemiology
Epidemiology is the field where the most research has been carried out. Absorption of EMF
from mobile phones is highly localised; therefore the preferred side of the head during
mobile phone use becomes an important parameter of the exposure estimation. This means
there is particular interest in the comparison of cancer rates in ipsilateral phone use (where
the phone was used against the same side of the head to where the tumour occurred) andcontralateral phone use (where the phone was used against the opposite side of the head towhere the tumour developed). It is also interesting to see if more brain tumours occur in theregion of the brain nearest the ear, as this is where most of the EMF will be absorbed.
Most epidemiological studies look at whether there is a greater risk of brain cancer with EMF
exposure. Many of these studies refer to odds ratios (OR) and confidence levels (CL). The
glossary at the conclusion of this report provides an explanation of these terms.

1. Interphone Study
The Interphone study is a series of multi-national case-control studies (see glossary)coordinated by the International Agency for Research on Cancer, designed to assess
whether RF exposure from mobile telephones is associated with cancer risk. There were 13
participating countries, and the studies included 2,708 cases of gliomas and 2,408 cases ofmeningiomas (both benign and malignant), as well as around 1,000 cases of acoustic
neuroma, 600 cases of parotid gland tumours and their respective controls(see glossary)10.
Information on past mobile phone use was collected during face-to-face interviews withregular users of a mobile phone. Regular was defined as having had an average of at least
one call per week for a period of more than six months.
The results of the study on gliomas and meningiomas (see glossary) were published on 17
May 2010,11 12, Surprisingly, the results showed that people who had been a regular mobile
phone user are less at risk of developing brain tumours (Glioma OR 0.81, 95% CL 0.70-0.94,
Meningioma OR 0.79, 95% CU 0.68-0.91). This possibly reflects participation bias or othermethodological limitations. No elevated risks were seen more than ten years after first phoneuse, or for all deciles of lifetime number of phone calls and nine deciles of cumulative calltime. In the highest decile of recalled cumulative call time (more than or equal to 1,640
hours), an increase in risk was seen (Glioma OR was 1.40, 95% CR 1.03-1.89, Meningioma
OR 1.15, 95% CL 0.81-1.62) but there were implausible values of reported use in this group,
which prevents conclusions being drawn. Increased risks were seen for gliomas in thetemporal lobe (the region of the brain located nearest the ear) compared to other lobes ofthe brain, but because the CLs around the lobe-specific estimates were wide it is again
difficult to draw firm conclusions. ORs for glioma tended to be greater in subjects whoreported usual phone use on the same side of the head as their tumour than on the opposite
side.
Overall the study concludes no increase in risk of glioma or meningioma was observed withuse of mobile phones. Though there are suggestions of increased risk in the top 10% of-7-

cumulative call time, gliomas in the temporal lobe and in subjects who reported ipsilateralphone use biases and errors limit the strength of the conclusions and no causal link can be
drawn from the study. The study also concludes that the possible effects of long-term heavy
use of mobile phones require further investigation
There have been several issues with regards to the Interphone study design:13a) Selection bias – refusal to participate is related to lower use of mobile phones in controls,

and this could result in a downwards bias in odds ratios for regular mobile phone use.
b) Potential error in the recall of phone use – errors appeared to be larger for duration ofcalls than for number of calls, and phone use was underestimated by light users andover estimated by heavy users.
c) The possible effects of recall errors were evaluated and results suggest that random
recall errors can lead to a large underestimation in the risk of brain cancer associatedwith mobile phone use.
In response to these criticisms the IARC published a paper on the methodology used andrecalculated the results before production of the findings outlined above14. This was one of
the reasons publication of results were delayed (they were expected in 2005), and though
the IARC have made efforts to correct these issues, there is still criticism of the Interphonestudy. Methodological limitations could be the reason behind some of the findings,
particularly those indicating people using mobile phones are less likely to develop brain
cancer.
The report concludes saying that the majority of subjects in this study were not heavy users
by today’s standards, with a median of two to two and a half hours of reported use permonth. Today it is not unusual for young people to use mobile phones for an hour a day or
more, though increasing use is tempered by lower emissions from newer technology phones
and the increasing use of texting and hands free operations that keep the mobile phoneaway from the head. As this increase in use in young people was not covered by Interphone,
CREAL is co-ordinating a new project, MobiKids15 to investigate this issue This project isfunded by the EU to investigate the risk of brain tumours from mobile phone use in childhood
and adolescence.
Two of the most interesting papers in the Interphone study, which do find raised ORs (seeglossary) are discussed below.
2. Lahkola et al 200716
This paper used the protocol of the Interphone study to look at 1,521 glioma patients and3,301 controls. The study found no evidence of increased risk of glioma related to regularmobile phone use (OR 0.78, 95% CL 0.68-0.91), nor any significant association with durationof use, years since first use, cumulative numbers of calls or cumulative house use. However,for more than ten years of mobile phone use reported on the side of the head where thetumour was located (ipsilateral use), an increased OR of borderline statistical significance(OR 1.39, 95% CI 1.01, 1.92) was found, whereas similar use on the opposite side of thehead (contralateral use) resulted in an OR of 0.98 (95%CL 0.71, 1.37). This result wasparticularly important as it was the first study where an observed increased OR for ipsilateraluse was not compensated by an accordingly decreased OR for contralateral use, as would
be expected under a hypothesised real effect. However, assuming causality, it would also
be expected that the effect of laterality becomes stronger with increasing exposure. For
ipsilateral and contralateral use ORs would be more or less close to 1.0 among short-term oroccasional mobile phone users, but would then grow with increasing exposure, and this was
not found in this study. The report concludes that it found an indication of increased risk in-8-

relation to reported ipsilateral phone use of more than ten years duration, but that this could
be due to either chance, causal effect or information bias. As well as the methodologicalproblems outlined above for the whole Interphone study, this paper discussed the potential
uncertainty in reporting the side where the mobile phone is held, which introduces random
error and potential bias if the case believes the mobile phone was the cause of the cancer.
3. Schoemaker et al 200517
This study also used the shared Interphone protocol to look at 678 cases of acoustic
neuroma and 3,553 controls. The study found that the risk of acoustic neuroma in relation toregular mobile phone use in the pooled data set was not raised (OR 0.9, 95% CL 0.7–1.1).
There was no association of risk with number of years of use, time since first use, lifetime
cumulative hours of use, number of calls, or for analogue or digital phones separately,
though as noted above cumulative number of hours of phone use and number of calls are
subject to substantial misclassification in recall.
The interesting results of this study were that risk of a tumour on the same side of the headas reported phone use (ipsilateral use) was raised for use of ten years or longer (OR 1.8,
95% CL: 1.1–3.1), though risks were not raised for shorter durations of ipsilateral use, nor for
overall ipsilateral use.
Owing to the potential for the reported side of use being influenced by recall bias, the study
also analysed the relation of tumour laterality to side of handedness, but this produced
results which were compatible with, but not strongly supporting, the results on reported sideof use. Again, the study outlines the potential of self reported side of phone use as anextremely biased variable, since hearing loss produced by the tumour could cause the user
to change use to the other ear, cases could over-report ipsilateral use because they believe
it caused their tumour and tumours might be detected earlier in ipsilateral use as they may
notice the hearing loss sooner. These biases can act to increase and decrease the risk, andgiven the multiple, contrary sources of bias the paper concludes no firm conclusions can be
drawn from the analysis of side of use.
4. Findings of the WHO18
The WHO document ‘What effects do mobile phones have on people’s health?’ published in
November 2006 states that although weak and inconclusive, epidemiological evidence does
not suggest that there are adverse health effects attributable to long term exposure to radio
frequency and microwave frequency from mobile phones. However, it notes that recent
studies have reported an increased risk of acoustic neuroma and some brain tumours in
people who use an analogue mobile phone for more than ten years.

5. Findings of the SCNIEHR19
The SCNIEHR Reports ‘Health Effects of Exposure to EMF’ published in 2007 and 2009
comment on the draft findings of the Interphone study. It mentions the pooled analysis ofglioma (Lahkola et al. 2007) which showed no increased relative risk for long-term mobile
phone users of ten years or more as well as no increased relative risk estimates for thehighest categories of lifetime cumulative number of calls or lifetime cumulative duration ofcalls. It also discusses the meningioma pooled analysis (Lahkola et al. 2008) where relativerisk estimates were slightly decreased, e.g. for mobile phone users of ten years or more
(OR=0.91, 95% CL: 0.67-1.25). It comments on two meta-analyses of case-control studies
which were not part of the Interphone study, Hardell et al. 2008, Kan et al. 2008. No overallrisk for brain tumours were found in the work by Kan et al. (2008), whereas both metaanalyses show an increased risk for brain tumours in long-term users (≥ ten years).

-9-However, it concludes that both studies are of limited use because of inappropriate exclusion
criteria and the combination of studies.
The paper discusses the validation studies conducted on the Interphone project, as outlined
above, and concludes that it remains an open question whether increased ORs observed for
ipsilateral use in many studies are a mixture of true effect and reporting bias or are due tosuch reporting bias in their entirety.
In vivo studies
The SCNIEHR 2009 Paper states that the results of new studies add to the evidence that the
RF fields such as those emitted by mobile phones are not carcinogenic in laboratory rodents.
Some of the new studies have also used exposure levels up to 4 W/kg which is higher thanmost previous studies. Thus, these studies provide additional evidence that carcinogenic
effects are not likely even at SAR levels that clearly exceed human exposure from mobile
phones. Animal studies have not provided evidence that RF fields could induce cancer,
enhance the effects of known carcinogens, or accelerate the development of transplanted
tumours. However, there remain questions about the adequacy of the experimental models
used and scarcity of data at high exposure levels.
The WHO 2006 paper agrees with the SCNIEHR position, and stated that in vivo studies
have found very small and reversible physiological changes. Evidence for an increased riskof developing cancer after exposure to RF or microwave fields was extremely weak.
However, it cautions that there are difficulties in extrapolating findings from laboratory
studies since the whole brain of rodents is exposed to the radiation as opposed to the smallpart of the brain with human mobile phone use, and thermal effects seen in rodents due tothe increase in local temperature of the brain induced by the microwaves are negligent in
humans (local increase in brain temperature has been estimated to be up to 0.1o C inhumans). As the results of in vivo studies are inconclusive, it therefore concludes that the
hypothesis that RF or microwave radiation is harmful and could have unknown or
unrecognised effects on health, cannot be rejected.
In vitro studies
The radiation from mobile phones has much lower energy than the energy necessary to
break chemical bonds, and it is therefore generally accepted that RF fields do not directly
damage DNA and cause cancer by this mechanism. However, it is possible that certain
cellular constituents are altered by exposure to EMF, such as free radicals, indirectly
affecting DNA20. The WHO 2006 paper21 stated that in vitro studies have shown abnormal
cell proliferation, changes in cell membranes and movement of ions and substances acrossmembranes, though there are large difficulties interpreting these results. Moreover, abiological mechanism that explains any possible carcinogenic effect from RF or microwave
fields has yet to be identified. The EU concurs, stating that in vitro studies regarding
genotoxicity fail to provide evidence for an involvement of RF field exposure in DNA
damage.
Conclusions on cancer• Exposure to RF fields in unlikely to cause brain cancer in humans with exposure lastingunder ten years22. For exposures over ten years, there are some indications that
exposure to EMF can cause increased odds ratios for gliomas23 and acoustic
neuromas24. However, it is not known whether these are causal effects or due to recall
bias.

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•The conclusion that exposure to RF fields is unlikely to lead to an increase in cancer inhumans is consistent with the observation that no visible increases are seen in the age
specific incidence rates of tumours of the central nervous system in the Nordic countries
over the last decade (Figure 2)25. A noticeable increase in the central nervous system
tumour incidence rates from 1970 to the late 1980s, particularly in older men andwomen, is assumed to be an effect of improved diagnostic methods and appeared long
before the widespread use of mobile phones.

40
35

Rate per 100,000

30
25
20
15
10
5

19
70
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72
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76
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78
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82
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02

0

Year
20-39

40-59

60-79

80+

Figure 2: Incidence of tumours of the central nervous system (CNS) from 1970 to 2003
among men in the Nordic countries (Denmark, Finland, Iceland, Norway, Sweden), by age
groups 20-39, 40-59, 60-79 and 80+ years (Engholm et al. 2008)26•

However, due to very long latency times of some cancers (up to thirty years), it is widelyagreed that long term studies are required to identify whether longer-term human
exposure to mobile phone radiation may pose cancer risk27.

•

The recent implementation of digital mobile phone technology means that studies with
exposures over ten years are small, and face many challenges as discussed above. The
WHO2 cautions that “lack of available evidence of detrimental effects on health should
not be interpreted as evidence of absence of such effects” and concludes that more longterm studies are required before it can be determined whether long-term exposure to
EMF does increase cancer rates.

3.3 RF and self reported symptoms
The SCNIEHR 2009 report28 concluded that scientific studies have failed to provide support
for an effect of RF fields on self-reported symptoms, such as headache, fatigue, dizzinessand concentration difficulties or well being, sometimes referred to as electromagnetic
hypersensitivity (EHS). Scientific studies have indicated that a nocebo effect (an adverse
non-specific effect that is caused by expectation or belief that something is harmful) may- 11 -

play a role in symptom formation. There is no evidence supporting the theory that
individuals, including those attributing symptoms to RF exposure, are able to detect RFfields.
3.4 Nervous system effects
The SCNIEHR 2009 report29 states that with the exception of a few findings in otherwise
negative studies, there is no evidence that acute or long-term RF exposure at SAR levels
relevant for mobile telephony can influence cognitive functions in humans or animals. Thereis some evidence that RF exposure influences brain activity as seen byelectroencephalography (EEG) studies which record electromagnetic activity along the scalp
in humans. Human studies also indicate the possibility of effects on sleep and sleep EEGparameters. However, findings are contradictory and there is a need for further studies intomechanisms that can explain possible effects on sleep and EEG. Other studies on functions
and aspects of the nervous system, such as cognitive functions, sensory functions, structural
stability and cellular responses show no or no consistent effects. There is also no evidence
that exposure to RF fields at the levels relevant for mobile telephony have effects on hearingor vision.
3.5 Reproduction and development
The SCNIEHR 2009 reports concludes that the recent studies that addressed RF field
effects on prenatal development in animals and the association of maternal mobile phone
use with behavioural effects in children show that there are no adverse effects at nonthermal exposure levels.
3.6 Children
There are many concerns about the exposure of children to EMF from mobile phones. The
SCNIEHR 2009 report discusses this in detail. Children’s nervous systems have completed
anatomical development at around two years of age, however, functional development
continues up to adulthood, and could possibly be disturbed by RF fields.

Figure 3: Estimation of the penetration of electromagnetic radiation from a cell phone basedon age using computer generated models (scale on right shows the SAR in W/kg)30
There are several differences between exposure to EMFs for children and adults, in thatchildren will have much greater cumulative lifetime exposures and also that dosimetriceffects may be different. Part of this is due to children having smaller brains, so more of thebrain is exposed to EMF, and part of it is due to greater conductivity of the brain tissue as
children’s brains contains more water than adult brains.
Several studies (Gabriel 2005, Martens 2005, Schmid and Uberbacher 2005, Peyman et al
2007, Gandhi et al 1996) have indicated children have more conductive brain tissues, which- 12 -

would lead to higher exposures. However, these were studies on the brains of dead animals
and there are difficulties extrapolating this data from animals to children and from dead toliving conditions. As shown in figure 3, the study by Gandhi et al (1996) was based oncomputer generated models.
In another study of a computer generated model of a five year old child it was shown thatwhen the model is exposed to electromagnetic fields at the ICNIPR reference levels of public
exposure, the standardised limits were exceeded by 40% (Conil et al. 2008). It is importantto realise that this study refers to far-field exposure only, for which the actual exposure levels
are orders of magnitude below existing guidelines. Far field exposure can be roughly definedas the recipient of the exposure being more than two wavelengths away from the source of
the EMF. This would be from, for example, a transmitter rather than near field exposure
which is the recipient being around one wavelength away from the source.
There are many difficulties extrapolating data from adult studies to children, and so it isimportant that further studies of the exposure of children to EMF should be carried out using
a variety of models and exposure conditions. One positive conclusive result with regards tochildren and EMF exposure is that recent well conducted epidemiological studies provide
evidence against an association between RF EMF exposure from broadcast transmitters andthe risk of childhood leukaemia.

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4. Insurance Implications
When considering the potential impact EMF could have on the insurance industry it is ofcourse important to look at what will happen if it is scientifically demonstrated that EMF
causes adverse health effects. It is difficult to be certain of any future outcomes so thissection looks at where insurance cover is likely to be triggered, the current legal situation
with EMF cases and finally considers the issue of asbestos and whether any comparisons
can be drawn. If EMF is proved to cause an increased risk of brain cancer it is likely the
insurance industry will see claims under product liability policies for bodily injury.
It is informative to look at recent legal cases to assess the current situation and the two
following cases will be discussed in more detail below. Newman v Motorola (2002) is a very
interesting case because the judge rejected the plaintiffs’ expert witness’ evidence that EMF
causes brain cancer on the grounds that it was generally not widely accepted by thescientific community, and that there were flaws with recall bias in the studies.
Murray v Motorola (2009) is another intriguing case because the judge ruled that plaintiffs
are not able to claim for damage caused by mobile phones which conform to US legislation.
However, the case is proceeding regarding allegations that Motorola et al fixed the results of
their exposure tests and have suppressed conclusive information about the health risks EMF
poses.
Finally this section will draw comparisons between EMF and asbestos. The issue ofasbestos and its implications is widely known throughout the insurance industry, and many
comparisons can be drawn with EMF – the initial impression that it was a ‘wonder product’coupled with potential very long-term serious health issues not understood at the start of its
use. Like asbestos any EMF litigation will probably be long and complex – similar issues
could occur such as the definition of an actionable injury, policy triggers and apportioning
liability. The last issue will be particularly difficult, since brain cancer occurs without exposure
to EMF, whereas mesothelioma usually arises from exposure to asbestos.
4.1 Insurance Cover
Should EMF prove to cause brain cancer, or any other adverse health effects, it is likely themain effect on the insurance industry will concern product liability claims for bodily injury. It istherefore interesting to look at recent legal cases where claimants have taken mobile phone
manufacturers to court for bodily injury claims and also to look at asbestos and see whatcomparisons can be drawn between the two issues.
4.2 Legal cases
Newman v Motorola 200231
In this US case Dr Newman claimed that his use of a wireless handheld telephone
manufactured by Motorola caused his brain cancer. He filed for $800m compensation in
2000. The court focused on the issues of general and specific causation – ie can the use ofwireless handheld telephones cause brain cancer and did the use of the Motorola phonecause Dr Newman’s brain cancer.
The plaintiff’s expert witness claimed that EMF exposure causes brain cancer, a theory
which relies on maximum exposure occurring at the location where the phone was held andthe cancer occurred. Other witnesses gave evidence that in fact the cancer Dr Newman had
was ‘deeper’ in the brain than normal, and that the highest exposure had in fact not been in
the location of the tumour
Both sides filed motions to exclude the other’s expert testimony. Because no sufficiently
reliable and relevant scientific evidence in support of either general or specific causation had
been offered by the plaintiffs, the defendants’ motion was granted and the plaintiffs’ motion- 14 -

denied because it failed the Daubert principle (a set of guidelines governing the use ofexpert witness testimony in the US courts).
The reasons the judge gave for not accepting the plaintiff’s evidence was that there had
been no acceptance of the plaintiffs’ theory and technique of demonstrating cancer
causation in the scientific community, pointing to problems with recall bias in the studies heput forward as evidence.
The judge also said that overdue emphasis was put on the positive finding for isolated
subgroups of tumours, and pointed out that there has been no overall change in theincidence of tumours such as Dr Newton’s, despite the increasing use of cell phones. The
judge said that reliable epidemiology evidence is essential before any link between animalstudies and human cancer causation can be made. The decision was appealed, but upheldby the appeals court.
Although the ruling on this case was several years ago, there has not been a large amountof new scientific evidence since then. The judge’s verdict shows that to be liable, there must
be relevant and reliable evidence that exposure to EMF causes brain cancer, and this mustbe generally accepted in the scientific community. It is also worth noting the emphasis on
epidemiological evidence above that of in vivo and in vitro.
Murray v Motorola 2009 32
In this US case six separate complaints filed in November 2001 or February 2002 suingdefendants including Verizon, Vodaphone, Nokia and Motorola were amalgamated together.
The case was first heard in the Superior Court of the District of Colombia and then heard in
the appeal courts in 2009.
The complaints asserted virtually identical causes for action for intentional fraud andmisrepresentation, negligent misrepresentation, strict product liability, failure to warn anddefective manufacture and design, negligence, gross negligence, breach of express
warranty, breach of implied warranty, conspiracy, violations of the Columbia Consumer
Protection Act 2000, civil battery and loss of consortium.
The plaintiffs alleged that Motorola et al have long been aware of numerous studies
revealing that EMF from mobile phones have both thermal and non thermal effects that are
severely harmful to human health. They allege mobile phone companies manipulated theresearch of the American National Standards Institute before the standards came in, andwhen SARs were specified in 1996, the Federal Communications Commission (the US
regulator for interstate and international communications) allowed mobile phone
manufacturers to self-certify their mobile phones within the SAR limits, even though SAR
results are easily manipulated.
The complaints continue that SAR values that the defendants report to the FCC are below
the real values and actual values exceed the SAR limits established by the FCC. They also
allege that though they were aware of numerous solutions that could virtually eliminate thehealth hazards, the companies did not adopt these nor warn their users of potential risks or
methods that could be used to minimise exposure.
Judge Long, in the original case, said that the gist of the plaintiff’s complaints is that mobile
phones that are sold in compliance with current FCC rules may nevertheless be deemed
unreasonably dangerous under state law, so that wireless carriers and equipment
manufacturers potentially may be subject to civil liability on that basis.

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Judge Long concluded that the complaints are barred by doctrine of conflict pre-emption
because, if successful, they would stand as an obstacle to the accomplishment of federal
objectives. By urging a jury to find that the defendant’s cell phones emit unreasonably
dangerous levels of RF radiation, even though the phones’ emissions are within the SAR
guidelines adopted by the FCC, the plaintiffs are effectively seeking to lower the FCC’s
current SAR standards.
The FCC explained that the RF limits it uses “provide a proper balance between the need toprotect the pubic and workers from exposure to excessive RF electromagnetic fields and theneed to allow communications services to readily address growing marketplace demands”.
The Superior Court ruled that all of the claims are barred on the basis of both express andimplied federal pre-emption. Although the Appeal court found no express pre-emption, they
concluded that federal law does impliedly pre-empt the plaintiff’s complains insofar as theyseek to hold defendants liable for bodily injuries from cell phones that met the radio
frequency radiation standards adopted by the Federal Communication Commission.
However, they concluded that insofar as the plaintiffs’ allege that they were injured throughuse of cells phones that only met the FCC standard due to manipulation of the results; theclaims are not federally pre-empted. Federal pre-emption also does not apply to the plaintiffs
claims that phones purchased prior to 1996 (when the FCC applied SARs) have caused
injury.
This case is interesting because it shows that as long as manufacturers are making phones
which comply with the FCC limits they are not liable for bodily harm caused by the exposure.
The case about phones which do not meet the FCC standards has been allowed to proceed– it will be interesting to see the verdict because if the manufacturers are found to have been
fixing the results of the standards tests, or to have suppressed evidence that EMF does
cause harm then they will not only become liable for damages in this case, but many othercases are likely to follow.
Were a similar case to occur in the UK, then it is possible a “state of the art” defence could
be used, whereby as long as at the time of manufacture there was no indication that the
product would be dangerous, manufacturers are not liable. This defence is an exception to
the Consumer Protection Act 1987 which in the main, states that manufacturers are strictly
liable for defective products, and claimants do not have to prove negligence. There is muchdiscussion about the “state of the art defence” in British law and its future is uncertain.

4.2 Lessons from Asbestos
Many comparisons can be drawn between EMF and asbestos, and it is useful to look at thehistory of asbestos and the implications for the insurance industry to see what could happen
with mobile phones if they prove to be harmful.
Asbestos was a ‘wonder fibre’ when it was first discovered, able to withstand hightemperatures but remain soft and pliable33. Its resistance to heat, electrical and chemical
damage, as well as sound absorption and tensile strength properties meant it was widelyused in the construction industry as fire retardant coatings, pipe insulation, fireproof drywall,
flooring and roofing34.
When it emerged in the 1980s that asbestos caused lung diseases claims for bodily injury
started being made, and class action suits were brought in the US. Though asbestos
primarily affected workers, it was not a workers compensation act or employer liability
problem, but a products liability problem.

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The impact on the insurance industry in general, and Lloyd’s in particular, is well known. The
predicted cost of asbestos to the insurance industry is still rising. The UK Asbestos Working
Party Update 2009 stated that the undiscounted cost of UK mesothelioma related claims to
UK insurance market from 2009-2040 would be over £8bn which is double their estimate of£4bn presented in a 2004 paper35. Long latency periods and increasing life expectancy
mean mesothelioma claims are likely to be with us for many years. The comparison herewith EMF is obvious – if it is proven to cause cancer, then the injuries may not become clear
until many years after the exposure due to similarly long latency periods. The danger with
EMF is that, like asbestos, the exposure insurers face is underestimated and could growexponentially and be with us for many years.
Asbestos claims are complex, and there have been a large number of court cases on theissues, some of which are still ongoing. The three major issues with asbestos are injury,
apportioning liability and the trigger of the insurance contract.
InjuryIn terms of injury, simply inhaling asbestos fibres is not an injury, let alone an actionable one,as established in Bolton MBC v Municipal Mutual Insurance Limited (2006) and Durham v
BAI (run off) (2009). In fact, people on the street will have a few thousand asbestos fibres intheir lungs, whereas people exposed in industry have a few billions of fibres in their lungs36.
Pleural plaques, small localised areas of fibrosis found within the pleura of the lung causedby exposure to asbestos fibres which have no symptoms, were compensated for since the1980s. However in 2007 the House of Lords ruled on the Rothwell v Chemical & Insulating
Co. Ltd (Rothwell) case that plaintiffs could not claim for pleural plaques as they do notincrease susceptibility to other asbestos related diseases, or shorten life expectancy and so
do not constitute an actionable injury unless symptomatic37. The situation differs in
Scotland, as in 2009 the Damages (Asbestos-Related Conditions) Scotland Act was
introduced, which means insurers will have to compensate for pleural plaques in Scotland. In
2010 the Government upheld the previous House of Lords judgement and restated that thisis not the case in England and Wales. In addition, it is worth noting that in the UK psychiatricillness due to anxiety about future disease is not actionable because it is not inevitable that
exposure to asbestos will lead to mesothelioma. This is not the case in the US. Anxiety
about mobile phones causing cancer is therefore not actionable in the UK, though may be in
the US.
Liability
The second major problem with asbestos was how to apportion liability, since claimants may
have worked in several workplaces and been exposed to asbestos in more than one place.
In Fairchild v Glenhaven Funeral Services (2002) the judge ruled that employers were joint
and severally liable and that it was sufficient for the claimant to prove that the defendant had
materially increased the risk of contracting the disease. However in Barker v Corus (2006)
the judge ruled that proportionate liability should be applied, with employers severally but not
jointly liable. This was immediately followed by the Compensation Act 2006, in which thegovernment decided all parties were jointly and severally liablea.
This means a person liable in tort for having caused or permitted a negligent exposure toasbestos shall be 100% liable. Sienkiewicz v Grief (2009) confirmed this new tort, and thatno mesothelioma is required to prove causation. This is where the biggest difference
between asbestos and EMF occurs. Although if it is proved that EMF does cause cancer, theaThis Act applies only to asbestos- 17 -

problem of apportioning liability due to different cell phones used at different times will besimilar to the difficulties witnessed in determining which company was responsible for the
injury caused by asbestos. However the situation is more complex with EMF than asbestos.
Mesothelioma is, as a rule of thumb38 caused only by asbestos exposure. In contrast,
incidences of brain cancer have been known for many years, and incidence varies hugely
due to unknown factors.
This can be seen by looking at a map of the US (Figure 3), which shows the huge variationin brain and nervous system cancers in the US by state. Therefore, it will be hard to decide
who is responsible for the injury and whether cell phone antenna contribution can beseparated from other potential radio-frequency radiation.

Figure 3: Cancer Mortality Rates in the US for brain and other nervous system, whitemales 1970-94, National Cancer Institute, Cancer Mortality Maps and Graphs39.
Trigger of the insurance contract
Another interesting aspect is deciding when an injury was sustained or caused andaccordingly whether an insurance policy will be triggered.
In Bolton v Municipal Mutual (2006) it was established that angiogenesis (when the blood
supply is established to the tumour), rather than the presence of the first mesothelial cell wasthe critical turning point. Angeniosis could be up to five years before diagnosis, whereas thefirst mesotheliomal cell could appear 10-20 years before diagnosis. Product liability policies
are usually on a “claims made” basis, meaning the trigger is an injury happening or occurring- 18 -

during the policy period. The policy is therefore not triggered until an actionable injury occurs
ie when the claimant gets cancer, as opposed to when they breathe in asbestos fibres.
Employers’ liability policies, on the other hand, are generally not on a “claims made” basis.
Before the 1980’s they were usually indemnified on injury “sustained” during the policy. In
the 1980’s this wording was changed to injury “caused” during the policy. There is currently
ongoing employers’ liability trigger litigation on this issue.
In Durham v BAI Run off Ltd (2009) Judge Burton said “sustained” meant “be caused”,
deciding that injury is sustained and disease is contracted on angiogenesis but that thewording in insurance contracts should be construed to have effect as if there was acausation trigger because that is what everyone would have understood it to mean at thetime the contracts were written. There was an appeal on the grounds that this is not inaccordance with the ordinary meaning of the word “sustained” and a decision is awaited.

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5. Conclusions
The large bulk of scientific evidence shows that exposure to EMF from mobile phones does
not cause cancer, with the exception of exposure over ten years where there are someindications of an increased risk of certain types of brain cancer, namely acoustic neuromas
and gliomas. Similarly, other health problems, such as self-reported symptoms do not seemto be caused by EMF. However, the lack of long-term data coupled with the long latency
periods of many cancers means that further long-term studies are needed to confirm there is
no health risk from long-term low EMF exposure.
With regards to the implication to insurance, as the current scientific evidence stands, it isunlikely that insurers will be liable for compensation for bodily injury on product liability
policies. However, as asbestos has shown, new scientific developments coupled with asmall number of key legal cases can change the situation very rapidly.

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6. Next steps
Opinion on the issue of whether EMF causes adverse health effects is constantly changing,and therefore to monitor any potential impact EMF could have on the insurance industry it isimportant to keep up to date with new scientific research as well as legal cases on thesubject.
It will also be instructive to review the outcome of Murray v Motorola, as this case could
prove a turning point in EMF litigation if it is found that manufacturers have suppressed
evidence of harmful effects of EMF and are guilty of negligence.
While this paper has looked at the potential health effects caused by EMF exposure during
mobile phone use, much higher EMF exposure occurs in industrial situations, such as
people working in the electricity generation, transmission and distribution industry40, and it
may therefore be worthwhile to investigate whether there is more conclusive evidence that
EMF exposure in these situations can cause bodily injury.

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Glossary
Acoustic neuroma: an acoustic neuroma is a benign tumour that may develop on the
hearing and balance nerves near the inner ear. Approximately 3,000 cases are diagnosed
each year in the US.
Abestosis: A scarring of the lung tissue from an acid produced by the body’s attempts todestroy the asbestos fibres, with a latency period of 10-20 years.
Averaging volume: When analysing the absorption rate, scientists take an area of the brain
and average the SAR across that area. The size of this area varies across different
countries.
Carcinogenesis: The process by which normal cells are transformed into cancer cells.
Case-control study: Persons who have developed a disease are identified and their past
exposure to potential aetiological factors is compared to persons who do not have thedisease.
Confidence intervals (CI): Instead of estimating the parameter by a single value, an interval
is given that is likely to include the parameter. Thus, confidence intervals are used toindicate the reliability of an estimate. For a 95% confidence interval the smaller the range,
the more reliable the result.
Contralateral: On the opposite side.
Dose response: A change in effect on an organism caused by differing levels of exposure(or doses) to a stressor (usually a chemical) after a certain exposure time.
Epidemiology: The study of how often diseases occur in different groups of people and why
Federal pre-emption: Invalidation of state law if it conflicts with federal law. It can be
express or implied pre-emption.
Glioma: A cancer of the brain that begins in glial cells (cells that surround and support nerve
cells. In the US, the incidence of glioma (the rate of new cases) has been estimated to be
20,000 cases per year41
Ipsilateral: On the same side.
Loss of consortium: The deprivation of the benefits of a family relationship due to injuries.
Mesothelioma: A cancer of the mesothelial lining of the lungs and the chest cavity, theperitoneum or the pericardium with a latency period of 20-50 years.
Meningioma: A type of slow-growing tumour that forms in the meninges (thin layers oftissue that cover and protect the brain and spinal cord). Most meningiomas are benign andusually occur in adults. In the US, around 6,500 people are diagnosed with this tumour eachyear. 42
Odds ratios: A statistic used to asses the risk of a particular disease if a certain factor ispresent. It is a relative measure of risk, telling how much more likely it is that someone who
is exposed to the factor under study will develop the outcome as compared to someone who
is not exposed.

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References
The following were sources of information used when drafting this report. Links are shownfor ease of use and were valid at the time of publishing the report:

Executive Summary/Introduction
1

Cancer Research UK, Mesothelioma risks and causes. Available at
http://www.cancerhelp.org.uk/type/mesothelioma/about/mesothelioma-risks-and-causes
2
GSM World, Market Data summary. Available at http://www.gsmworld.com/newsroom/marketdata/market_data_summary.htm

Section 2
3

World Health Organisation, Europe, What effects do mobile phones have on people’s health November 2006. Available at
http://www.euro.who.int/document/E89486.pdf
4
Scientific Committee on Emerging and Newly Identified Health Risks, Health Effects of Exposure to EMM, January 2009
Available at http://ec.europa.eu/health/ph_risk/committees/04_scenihr/docs/scenihr_o_022.pdf
5European Parliament: the Legislative Observatory, Resolution on the mid-term review of the European Environment and
Health Action Plan 2004-2010 Available at
http://www.europarl.europa.eu/oeil/resume.jsp?id=5564632&eventId=1046703&backToCaller=NO&language=en
6
ICNIPR, Guidelines on limits of exposure to static magnetic fields. Available at http://www.icnirp.de/documents/statgdl.pdf
7
Wikipedia, Mobile phone radiation and health. Available at http://en.wikipedia.org/wiki/Mobile_phone_radiation_and_health8
See endnote 4

Section 3
9

See end note 4World Health Organisation, International Agency for Research on Cancer, The INTERPHONE study. Available
http://www.iarc.fr/en/research-groups/RAD/RCAd.html
11World Health Organisation International Agency for Research on Cancer, Press release. Available at
http://www.iarc.fr/en/media-centre/pr/2010/pdfs/pr200_E.pdf
12International Journal of Epidemiology, The Interphone study group: Brain tumour risk in relation to mobile telephone use:
results of the INTERPHONE international case–control study. 2010, No.39 p. 675-695. Available at
http://ije.oxfordjournals.org/cgi/reprint/39/3/675
13World Health Organisation International Agency for Research on Cancer, Press release 2008. Available at
http://www.iarc.fr/en/research-groups/RAD/Interphone8oct08.pdf
14European Journal of Epidemiology, The INTERPHONE study: design, epidemiological methods, and description of thestudy population Vol 22, No 9, 647-664. Available at http://www.springerlink.com/content/x88uu6q103076p53/
15
Mobi Kids, Study on Communication Technology, Environment and Brain Tumours in Young People, Press Release2005. Available at http://www.mbkds.net/
16
International Journal of Cancer, Mobile phone use and risk of glioma in 5 North European countries 2007 No. 120 p.1769–
1775. Available at http://www3.interscience.wiley.com/cgi-bin/fulltext/114072761/PDFSTART
17
British Journal of Cancer, Mobile phone use and risk of acoustic neuroma: results of the Interphone case–control study infive North European countries, 2005 No. 93p.842 – 848.Available at
http://www.nature.com/bjc/journal/v93/n7/pdf/6602764a.pdf
18
See endnote 3
19
See endnote 4
20
See endnote 10
21
See endnote 3
22
See endnote 4
23
See endnote 11
24
See endnote 14
25
See endnote 4
26
Ibid
27
Ibid
28
Ibid
29
Ibid
30
IEEE Transaction on Microwaves Theory and Techniques, Electromagnetic Absorption in the Human Head and Neck for
Mobile Telephones at 835 and 1900 MHz, 1996, Vol.44, No. 10. Available at http://ececlassweb.ucsd.edu/fall09/ece222a/HumanAbsoprtion1.PDF
10

Section 4
31

FindLaw.com, Memorandum Civil No. CCB-00-26099: Newman v Motorola. Available at
http://fl1.findlaw.com/news.findlaw.com/wsj/docs/cellphone/newmanmotorola93002mem.pdf- 23 -

32

Murray v. Motorola, Inc., 2009 D.C. App. LEXIS 652 (D.C. Oct. 29, 2009).
R.J Kiln & Stephen Kiln, Reinsurance in Practice. Published by Witherby & Co (2001)
34
Wikipedia, Asbestos. Available at http://en.wikipedia.org/wiki/Asbestos
35
The Actuarial Profession, B12: UK Asbestos Working Party update 2009. Available at
http://www.actuaries.org.uk/sites/all/files/documents/pdf/B12AsbestosWP.pdf
36
ILL lecture by Colin Edelman QC, “From mesotheilioma to pleural plaques”, Given on23rd March 2010, Lloyd’s
37
Ministry of Justice, Ministerial Statement, Pleural plaques: Jack Straw statement. 2010. Available at
http://www.justice.gov.uk/news/announcement250210a.htm
38
See endnote 37
39
National Cancer Institute, Cancer Mortality Maps and Graphs. Data available at
http://www3.cancer.gov/atlasplus/charts.html
40
Advisory group on Non-Ionising Radiation, ELF Electromagnetic Fields and the Risk of Cancer. Available at
http://www.hpa.org.uk/web/HPAwebFile/HPAweb_C/1194947420620
41
Center for Outcomes Research, The Glioma Overview Project. Available at http://www.outcomesumassmed.org/glioma/overviewfromcor.cfm
42
UCLA Health System, Neurosurgical Diseases and Disorders (M-Z) / Meningioma. Available at
http://neurosurgery.ucla.edu/body.cfm?id=178
33

Links to third party sites in this report are provided solely for your convenience. Lloyd’s
makes no representations as to the security, quality or propriety of any site which may beaccessed by following these links and accepts no liability for the content or for any loss ordamage caused or alleged to have been caused by the use of or reliance on information
contained in such sites or goods or services purchased from them. If you decide to accessany of the third party sites linked from this report, you do so entirely at your own risk.

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