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Subscribe to this list via RSS Blog posts tagged in children safety

Posted by on in Press Release


A service of your agent and the National Association of Professional Insurance Agents

Whether you haven’t yet taken down your Halloween decorations or you’re assembling your seventeenth gingerbread house of this season, it’s time once again to consider the safety issues surrounding many favorite winter holidays.

There are many things that can brighten the holidays. One light source that you may want to include only selectively is fire.

You may be cooking or baking more than usual. No matter how much you do, be sure to keep kids and flammable items like kitchen towels away from the stove and oven. Clean up any grease as you go.

Preparing to bring a live tree into your home? If so, choose one full of  green  needles  that  don’t  fall  of when you touch them and are diffi cult to pull from branches. Trees need to be watered daily! Don’t plug together more than three strands of lights; use a power strip instead. Throw away any strands that look worn, frayed, or broken, and always unplug all the electrical items connected to your tree before leaving home or going to bed.

Maybe you’re readying a candelabra to celebrate the holidays. You can use traditional candles instead of electrical ones, but be smart about it. Keep flammable items at least three feet from your candles, and put the candelabra on a non-flammable surface (we like to line a tray with aluminum foil in our house). Make sure each candle is standing firmly in its holder, and put your candelabra in a spot where it can’t easily be knocked down by children, pets, or careless adults. Never leave lit candles unattended.

If your holiday season coincides with the arrival of winter weather, and you just want to curl up in front of a cozy, warm fire with your family, be careful. Keep flammable items at least 3 feet from the fireplace, and use a fire screen to prevent embers from escaping into the room. Make sure the fire is completely out before you go to sleep.

Finally, some ideas that make sense year-round: make an emergency plan to use if there’s a fire in your home, and stick to the plan if you have an emergency. Avoid wearing loose, flowing clothing around open flames, whether they’re from a fireplace, stove, or candelabra. Of course, the safest way to avoid holiday fire hazards is to pass on using real fire in your celebrations.

Sources: American Red Cross; U.S. Fire Administration; U.S. Product Safety Commission.

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Posted by on in Press Release

Professional Insurance Agents of Wisconsin
6401 Odana Rd.
Madison, WI 53719


Drones, Hoverboards, Kids Vehicles

MADISON, Wisconsin (January 4, 2016)    Drones, hoverboards and drivable electric vehicles for kids were hot items for Christmas. Be aware of potential insurance issues with their use.      

Some homeowners and renters insurance policies may not provide coverage for injuries or damage to property of others while using your new high-tech toys. Many, but not all, home insurance policies cover the operation of model aircraft which are not used to carry cargo.  Most home policies do not cover “motor vehicles”, except in very limited situations.  Some policies have an age or speed restriction on “motor vehicles” and also specify that protection may only apply while they are being operated on your premises.  Since both hoverboards and electric vehicles are powered by electric motors, they may fall under the definition of “motor vehicles”.

According to Ron Von Haden, CIC, Executive Vice President of the Professional Insurance Agents of Wisconsin (PIAW):

“Injuries and property damage do occur so consumers are encouraged to contact their professional insurance agent to be sure they are properly protected. Homeowners policies, renters policies and personal liability umbrella policies should be reviewed with your agent.”

The safety and insurance issues surrounding drones, hoverboards, kids vehicles and other exciting new toys are a good reminder to have your insurance protection updated periodically.  Does your agent know about the new toys, guns, artwork or jewelry you have acquired since your last review?  These issues also highlight the importance of a personal liability umbrella policy.

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PIAW members are professionals who protect homes, autos, and businesses from the everyday risks you encounter.  To find a PIA member near you, look for the PIA logo or visit www.piaw.org


Posted by on in Press Release

Tips to Keep Kids Safe in Vehicles
A Recent Study Shows Adults Do Not Always
Buckle Kids in Car Seats or Booster Seats

MADISON, Wis (September 3, 2014) - September is Child Passenger Safety Month and a new study indicates that some adults are not always making sure children are properly buckled up. Recent findings by Safe Kids Worldwide indicate that one in four respondents admitted to having driven without their child buckled up in a car seat or booster seat. The top reasons were:

  • driving a short distance
  • in a hurry
  • taking the kid(s) on an overnight trip

“Parents or other caregivers may not realize the risks they are taking when children are not buckled up in vehicles, even for short distances,” said Ron Von Haden, CIC, Executive Vice President of the Professional Insurance Agents of Wisconsin (PIAW). The National Highway Safety Transportation Administration (NHSTA) reports that a third of kids who died in vehicle crashes were not buckled up.

Motor vehicle crashes remain a leading cause of death for children. The most recent NHSTA safety statistics show that on a daily basis an average of two children under the age of 13 were killed while riding in cars, SUVs, pickups and vans.

To keep kids safe, experts advise:

  • Buckle up kids on every ride, every time.
  • Talk to other parents who may be driving your kids about the importance of buckling up.
  • Check that the correct child safety seat is being used and is installed correctly.

Using booster seats is especially important for kids who have outgrown their car seats are not ready for a seat belt alone. Generally, kids need to use a booster seat until they are about 4 feet 9 inches tall and weigh between 80 and 100 pounds.

“While older children might try to convince you that they don’t need a booster seat, studies show that children seated in a booster seat are 45% less likely to be injured in a crash than children using a seat belt alone,” noted Von Haden.

If you would like more information about child passenger safety or child safety in general, you can visit the website: http://www.safekids.org.

Another safety consideration families may not consider is to check all of your insurance coverages including auto insurance to be sure you have adequate limits. If you have an accident, your auto insurance policy will help protect you and your family.

For more information or to locate a PIAW member near you, look for the PIAW logo or go to www.PIAW.org/find_a_member.



Posted by on in Press Release

Home Swimming Pools Can be Deadly for Young Children – 65% of Pool Related Deaths Occur at Child’s Own Home
PIAW Offers Tips for Preventing Drowning

MADISON, Wisconsin (July 9, 2014) – The Wisconsin Medical Journal reports that drowning is the second most common cause of accidental deaths in the state for children between 1 and 18 years old, with motor vehicle crashes first.

The most common place for a drowning to occur for a child between the ages of 1 to 4 years is a home swimming pool. At the same time, bathtubs, toilets and buckets over 5 gallons can be deadly for children from 1-2 years of age.

More than 300 children under 5 years old drown in swimming pools across the country each year. Of these pool-related deaths, approximately 65% occur at the child’s own home. Children often drown silently – without splashing or calling for help – and quickly – in the time it takes to answer a phone call.

Twenty six percent of parents who own a pool or spa report they are not informed about how to keep their pool or spa drain safe for their children.

Here are a few tips from the Professional Insurance Agents of Wisconsin (PIAW) for homeowners who own or are thinking about purchasing a swimming pool:

  • Actively supervise your children around water, and keep rescue equipment nearby; most notably, a telephone and any emergency numbers.
  • Enroll your child in swimming lessons after age 4. However, it is imperative to always watch children closely while swimming, regardless of their experience level. Flotation devices do NOT count as supervision.
  • Teach your children to stay away from pool and spa drains, and if your child has
    long hair, be sure to securely tie it up to protect against entanglement within any
    open drains.
  • Do not leave toys around the pool when it is not in use. Curious toddlers will be
    more tempted to stray toward the pool, increasing the risk of accidental drowning.
  • Make sure your pool has four-sided fencing and a self-closing, self-latching gate. Most cities and towns have specific guidelines for you to follow, so be sure to
    contact your local building inspector.

“If you have recently purchased a swimming pool, be sure to contact your insurance
agent, as the insurance company will need to know about this update,” said Ron Von Haden, CIC, Executive Vice President of PIAW. “While some homeowners’ policies will cover swimming pools, they often have a number of safety procedures homeowners need to follow to be eligible for the coverage.“

In addition, you may want to consider an umbrella policy that increases your liability
coverage in case of an accident or injury in or around your pool.”


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Professional Insurance Agents of Wisconsin
6401 Odana Road | Madison, WI 53719
Phone: (608) 274-8188 | Toll Free (800) 261-7429
Fax: (608) 274-8195 | Toll Free (866) 203-7461