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Posted by on in Press Release
FOR FURTHER INFORMATION CONTACT:
Professional Insurance Agents of Wisconsin
6401 Odana Rd.
Madison, WI 53719                                          FOR IMMEDIATE RELEASE
ATTN: Ron Von Haden
Phone (800) 261-7429
www.piaw.org


Homeowner Liability When Hiring Contractors Or Other Help


MADISON, Wisconsin (July 1, 2015)    Anyone you hire to help around your house, such as the neighbor boy who mows your lawn, a babysitter, a contractor or other outside services, opens you up to potential legal headaches.  If anyone is injured while performing work on your property, you may be financially liable for the person’s injuries and disabilities.

         “Many homeowners assume that their homeowners insurance policy will protect them If someone is injured on their property,” says Ron Von Haden, CIC, Executive Vice President of the Professional Insurance Agents of Wisconsin (PIAW).  “That is not necessarily true. Contractors such as builders or landscapers should be covered by their own workers’ compensation, health or disability insurance.  However, if they do not have coverage, you could be held liable.  That’s why it’s important to thoroughly check out any contractor you have working on your property.”

            “Some homeowners policies may provide limited coverage for the minors that mow the lawn and even domestic workers like maids, nannies or cleaners.  If yours does not, it might be a good idea to purchase an umbrella liability policy to supplement your homeowners liability insurance.  Discuss your policy and your needs with your professional independent agent to determine whether or not you are adequately covered.”

Click Here to download a customizable copy for your use.

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Posted by on in Press Release

Wisconsin Requires Homeowners to Install Both Smoke Detectors and Carbon Monoxide Detectors to Help Save Lives

MADISON, Wis. (October 4, 2014) – Since October is National Fire Prevention Month, families will be performing home fire drills and testing smoke alarms to ensure they work properly. At the same time, they should also be testing their carbon monoxide (CO) detectors. Many folks may not be aware that both smoke detectors and CO detectors are required by the State of Wisconsin.

According to the Consumer Product Safety Commission about 170 people in the United States die every year from CO produced by consumer products.

“Anything that burns a fuel — such as a furnace, fireplace, generator, gas appliance or car — can produce CO. It’s vital to properly maintain and operate these pieces of equipment to prevent CO from building up in your home. If carbon monoxide lingers in your home, apartment or garage, it can trigger serious health issues,” said Ron Von Haden, CIC, Executive Vice President of the Professional Insurance Agents of Wisconsin (PIAW).

Families in cold weather climates have an extra risk as they may be tempted to use stoves, ovens or even gas or charcoal grills to help heat the home. “Using these appliances for heat is extremely dangerous as it can lead to fires and/or CO poisoning,” noted Von Haden.

Following are some important safety tips:

  • When warming up a vehicle, remove it from the garage immediately after starting it. Do not run a vehicle or other fueled engine or motor in the garage, even if the door is open.
  • Make sure the exhaust pipe of a running vehicle is not covered with snow as CO could build up inside the vehicle, even if it is outside a garage.
  • Keep fireplaces and gas stoves clean and well vented.
  • During and after a snowstorm, make sure vents for the dryer, furnace, stove, and fireplace are clear of snow build-up.
  • NEVER use gas or charcoal grills inside the home.
  • Be sure generators are located in a well-ventilated location outdoors away from windows, doors and vent openings.

Initial symptoms of CO poisoning include headache, fatigue, shortness of breath, nausea or dizziness. High levels of CO can case mental confusion, vomiting and loss of muscle control and unconsciousness.

“If your detector sounds or you are concerned about CO levels, get everyone out of the house and call 911 from a safe location,” noted Von Haden.

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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

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