BCI Blog

Brew & Wine Tasting, Friday 08/22/14 – 6pm

Posted by on 11:14 am in Personal | 0 comments

Bob Clouse is asking for your support for  his run for Honorary Mayor of Fair Oaks.  All you have to do is come out and enjoy the offerings of local breweries and wineries.  All proceeds go to the Kathy Jones Memorial Walk Path project and The Fair Oaks Chamber of Commerce.

The doors open at 6pm.   Tickets are available for purchase at the door. We will have awesome raffle prizes too!

All major credit cards will be accepted.


Event Location:

Fair Oaks Community Clubhouse
7997 California Ave
Fair Oaks CA 95628

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Spaghetti Feed this Saturday, 08/16/2014 – 6pm

Posted by on 12:09 pm in Personal | 0 comments

Spaghetti Feed  - dateCome on out and help support Bob Clouse and his run for Honorary Mayor of Fair Oaks. We are having a spaghetti feed this Saturday.  All proceeds go to the Kathy Jones Memorial Walk Path project and The Fair Oaks Chamber of Commerce.

A tour of the Walk Path will start at 4pm. Dinner starts at 6pm. Tickets are available for purchase at the door. We will have awesome raffle prizes too!

We only have room for 80 people – so get there early.

All major credit cards will be accepted.


Why Have Insurance For Business Networking Groups?

Posted by on 8:00 am in Business | 0 comments

Bob Clouse Insurance Services

Bob Clouse Insurance Services can help you with all your business or personal insurance needs.

With networking groups becoming a more popular way to keep small business alive and thriving despite a “down” economy, there is no doubt that they are here to stay. While the groups are very good about building business, something that gets overlooked is the protection of the members and guests if something unfortunate were to happen. This is why the business networking group needs to have insurance.

Often groups meet in hotels or meeting rooms that have their own insurance, which is great and very useful. However, you need to remember about the other things your group may be participating in activities outside of that normal meeting room. If something were to happen at an event the group would not be covered. You may also need to have insurance to be part of some trade shows or chamber functions. Not all of these are covered under the locations insurance policy. Some places, such as a park, are not owned by a business and any accidents that occur would not be covered.

This is the other importance of having your group policy as it is not restricted to one room, but can cover you in other places. It can also help to cover any costs that the other insurance would not cover if you have an umbrella policy.

It’s forward planning like this that help make your group and your business successful.


Winterize Your Home – Part 2

Posted by on 8:00 am in Personal | 0 comments

Bob Clouse Ins

Bob Clouse Insurance is able to assist with all types of personal insurance.

6) Check Foundations

  • Rake away all debris and edible vegetation from the foundation.
  • Seal up entry points to keep small animals from crawling under the house.
  • Tuckpoint or seal foundation cracks. Mice can slip through space as thin as a dime.
  • Inspect sill plates for dry rot or pest infestation.
  • Secure crawlspace entrances.

7) Install Smoke and Carbon Monoxide Detectors

  • Buy extra smoke detector batteries and change them when daylight savings ends.
  • Install a carbon monoxide detector near your furnace and / or water heater.
  • Test smoke and carbon monoxide detectors to make sure they work.
  • Buy a fire extinguisher or replace an extinguisher older than 10 years.

8) Prevent Plumbing Freezes

  • Locate your water main in the event you need to shut it off in an emergency.
  • Drain all garden hoses.
  • Insulate exposed plumbing pipes.
  • Drain air conditioner pipes and, if your AC has a water shut-off valve, turn it off.
  • If you go on vacation, leave the heat on, set to at least 55 degrees.

9) Prepare Landscaping & Outdoor Surfaces

  • Trim trees if branches hang too close to the house or electrical wires.
  • Ask a gardener when your trees should be pruned to prevent winter injury.
  • Plant spring flower bulbs and lift bulbs that cannot winter over such as dahlias in areas where the ground freezes.
  • Seal driveways, brick patios and wood decks.
  • Move sensitive potted plants indoors or to a sheltered area.

10) Prepare an Emergency Kit

  • Buy indoor candles and matches / lighter for use during a power shortage.
  • Find the phone numbers for your utility companies and tape them near your phone or inside the phone book.
  • Buy a battery back-up to protect your computer and sensitive electronic equipment.
  • Store extra bottled water and non-perishable food supplies (including pet food, if you have a pet), blankets and a first-aid kit in a dry and easy-to-access location.
  • Prepare an evacuation plan in the event of an emergency.

Winterize Your Home – Part 1

Posted by on 4:05 pm in Personal | 0 comments

Bob Clouse Ins

Bob Clouse Insurance is able to assist with all types of personal insurance.

Winterizing your home is the type of maintenance that need to be done to ensure that your home is prepared for the winter months ahead. This can mean different things depending on where you live.  Winterizing your home is an important part of protecting your investment and families well-being. Without the proper preventative maintenance, your home is more susceptible to damage during storms.

Here are some tips to winterize your home and be prepared for the colder seasons ahead!

From About.com

1) Furnace Inspection

  • Call an HVAC professional to inspect your furnace and clean ducts.
  • Stock up on furnace filters and change them monthly.
  • Consider switching out your thermostat for a programmable thermostat.
  • If your home is heated by a hot-water radiator, bleed the valves by opening them slightly and when water appears, close them.
  • Remove all flammable material from the area surrounding your furnace.

2) Get the Fireplace Ready

  • Cap or screen the top of the chimney to keep out rodents and birds.
  • If the chimney hasn’t been cleaned for a while, call a chimney sweep to remove soot and creosote.
  • Buy firewood or chop wood. Store it in a dry place away from the exterior of your home.
  • Inspect the fireplace damper for proper opening and closing.
  • Check the mortar between bricks and tuckpoint, if necessary.

3) Check the Exterior, Doors and Windows

  • Inspect exterior for crevice cracks and exposed entry points around pipes; seal them.
  • Use weatherstripping around doors to prevent cold air from entering the home and caulk windows.
  • Replace cracked glass in windows and, if you end up replacing the entire window, prime and paint exposed wood.
  • If your home has a basement, consider protecting its window wells by covering them with plastic shields.
  • Switch out summer screens with glass replacements from storage. If you have storm windows, install them.

4) Inspect Roof, Gutters & Downspouts

  • If your weather temperature will fall below 32 degrees in the winter, adding extra insulation to the attic will prevent warm air from creeping to your roof and causing ice dams.
  • Check flashing to ensure water cannot enter the home.
  • Replace worn roof shingles or tiles.
  • Clean out the gutters and use a hose to spray water down the downspouts to clear away debris.
  • Consider installing leaf guards on the gutters or extensions on the downspouts to direct water away from the home.

5) Service Weather-Specific Equipment

  • Drain gas from lawnmowers.
  • Service or tune-up snow blowers.
  • Replace worn rakes and snow shovels.
  • Clean, dry and store summer gardening equipment.
  • Sharpen ice choppers and buy bags of ice-melt / sand.


What Is Cyber Liability Insurance?

Posted by on 9:09 am in Business | 0 comments

We are all familiar with the type of insurance that covers the physical objects such as a car and a house. We are much less familiar with insurance that protects your companies information. This is what cyber liability insurance is for. We went online and found a great summary for you from a great article that we encourage you to read located on grahamco.com.

The term “cyber liability” encompasses an array of liability exposures that are not necessarily tied just to businesses that sell their products or services over the Internet. In fact, it is a bit of a misnomer, since a cyber liabiltity policy can cover a number of exposures, including failure to protect an individual’s personally identifiable information or confidential corporate information from theft – even when the data was being stored in paper files.

Almost every type of business has an exposure to loss that can be covered by a cyber liability policy, including law firms, manufacturers, retail stores, restaurants, healthcare providers, technology companies, social service agencies, financial institutions, universities and government entities. Some of the exposures that can be covered include:

* Information security and privacy liability for failure to protect personal or corporate information held on computers systems, smartphones, laptops or paper files

* Cost to notify affected individuals that their personal information has been breached, as required by law

* Other costs associated with data breaches, such as public relations and investigative costs

* Loss of business income when a “hacker” prevents your customers from accessing your website

* Personal injury (such as libel) that may result from the use of blogs on your website or other social media

* Liability for your customers’ business interruption suffered because a “hacker” prevented their access to your website or systems, among

read the full article for more information.