SECTION 1. The legislature finds and confirms all of the following:-

Whereas, recent research indicates wireless can impair health.

Whereas, the Federal Communications Commission now allows small 5G antennas serving other users to be placed on private residences without permit under the satellite TV or “OTARD” rule. 

Whereas, the FCC fails to monitor ambient and near-field wireless exposures of the public.

Whereas, insurance serves as an incentive for insurers to regulate and require safety.

Resolved, that the policy goals of this act shall be to provide a minimum floor of insurance requirements for wireless infrastructure within the commonwealth. 

SECTION 15. Chapter 111 of the General Laws as appearing in the 2021 Official Edition is hereby amended by inserting after section 5O the following section:--

5O1. (a) Definitions. As used in this section, the following words shall have the following meanings:

“Microcells” are the largest and most powerful small cell, often installed by network operators on utility poles, traffic lights, and sign, and include a “small wireless facility” as defined I 47 C.F.R. § 1.6002(l), as may be amended or superseded.

“Mobile service” means the same as defined in 47 U.S.C. § 153(33), as may be amended.

“Radio communication” or “radio services” means the transmission by radiofrequency of writing, signs, signals, pictures, and sounds of all kinds, including all instrumentalities, facilities, apparatus, and services (among other things, the receipt, forwarding, and delivery of communications) incidental to such transmission.

“Structure” means a pole, tower, base station, or other building, whether or not it has an existing antenna facility, that is used or to be used for the provision of personal wireless service (whether on its own or commingled with other types of services).

“Telecommunications service” means the offering of telecommunications for a fee directly to the public, or to such classes of users as to be effectively available directly to the public, regardless of the facilities used.

(b) Within the Commonwealth, all providers of transmitting antennas for telecommunications services or for video programming or television broadcast through mobile or radio services are required to carry insurance or, if insurance cannot be obtained, an equivalent bond placed into escrow with an independent escrow agent approved by the either the municipality, if permitted by the municipality, or with an independent escrow agent approved by the radiation regulatory agency. The insurance or the bond must at minimum fulfills the following conditions:

(1) Insurance is provided by a licensed third party provider, and not a self-insured indemnity substitute provided by the applicant.

(2) If a municipally permitted antenna, the insurance or bond must name the municipality, including its’ elected or appointed officials, commission members, officers, representatives, agents, and employees as additional insureds.

(3) Coverage shall at minimum include the following:

(i) Commercial general liability and property damage insurance on an “occurrence basis” with limits no less than $5,000,000 aggregate for a structure or $1,000,000 for a single microcell antenna or $500,000 for a single antenna falling under the Over-the-Air-Reception-Device regulations set by the Federal Communications Commission, to cover per occurrence bodily injury, property damage, personal injury, advertising injury, premises liability, products liability, contractual liability, and broad form property damage. The policy shall contain no exclusions for (A) contractual liability; (B) cross liability exclusion for claims or suits by one insured against another; (C) products/ completed operations liability; or (D) pollution including electromagnetic pollution; (E) explosion, fire, or collapse; or (F) contain any other exclusion contrary to the intent of this section.

(ii) When relevant, include automobile liability covering automobile accident caused by the antenna provider’s autos, or if the owner has no owned autos, by that of its agents and others allowed access onto its property, with a limit no less than $1,000,000 per accident for bodily and property damage.

(iii) When relevant, evidence of workers compensation and employer’s liability insurance with a limit of no less than $2,000,000 per accident for bodily injury or disease, including for pollution and electromagnetic pollution.

(c) Exception to the insurance requirement described in subsection (b) shall be made for personal digital devices and home or business appliances with transmitting antennas.