Competitive pricing is just the start. Our proven strategies typically save clients 30% or more by lowering your Experience Mod, preventing claims, and taking control when injuries happen. You focus on growing your business. We handle the work comp.
Kevin Harrington, Original Shark from Shark Tank, on working with Mike
Hear it straight from the people who know. From a Shark Tank original to a national business podcast, Mike's approach to workers' comp keeps getting noticed.
Our proprietary strategies typically save clients 30% or more by uncovering hidden savings, maximizing credits, and lowering your Experience Mod. Here is what that looks like in practice.
Many business owners learn the truth about workers' comp the hard way. Don't learn the hard way. Tap each challenge to see why it matters.
Preventing work comp claims starts at the time of hire. We help you bullet-proof your hiring so you build a strong team without importing risk.
Safety training is crucial in preventing claims, and it often improves company culture and employee productivity at the same time.
Very few insurance agents can explain how your Experience Mod calculation works, and even fewer can help you effectively lower it. We do both.
Work comp claim costs can quickly spiral out of control without a team assisting you. We work directly with claims examiners to drive claims to a positive resolution.
Your advisor should have the experience, understanding of the work comp system, and access to resources to offer professional guidance and support when a serious injury occurs.
Turn your workers compensation program into a competitive advantage. Developed over decades of hands-on experience and refined with proprietary strategies.
Build claim prevention into hiring while staying compliant with all laws and regulations.
Simple, effective safety training that prevents injuries and strengthens your culture.
Understand exactly how your Experience Mod is calculated, then work the levers that bring it down.
When claims happen, we work with the examiners so costs never spiral out of control.
You wouldn't go to a general practitioner if you needed heart surgery. Why go to a generalist agent for workers' comp? Here's the difference a specialist makes.
One quote. Then silence until renewal.
Competitive pricing shopped across top-rated carriers, plus strategies that typically save 30% or more.
Real scenarios showing how the right coverage protects your business and your people. Click any card for a real-world example.
Covers immediate care like ambulance rides and ER visits, plus surgery, medications, hospital stays, and ongoing care such as physical rehabilitation.
Example: A painter falls off a ladder and breaks a leg. His policy pays for the ambulance, surgery, medications, and physical rehabilitation.
See example +A serious injury can keep an employee out for days, weeks, or months. Workers' comp pays part of the wages lost while they recover.
Example: An HVAC installer breaks several bones in his foot and misses a month of work. The policy pays part of the wages he would have earned.
See example +Covers ongoing physical therapy and vocational rehabilitation, helping employees learn new skills and return to work, even in a different role.
Example: A disabled employee receives a Transferable Skills Analysis, opening roles where they can learn new skills and keep working.
See example +Helps a disabled employee recover part of their lost income until they return to work. Permanent disabilities can qualify for benefits for life.
Example: An employee slips in the office and breaks her wrist. Partially disabled, she works half days while it heals, with benefits covering the gap.
See example +Workers' comp typically includes employers liability insurance, protecting you from lawsuits claiming a worker was injured by employer negligence. It helps pay attorney's fees, court costs, settlements, or judgments.
Example: A chef suffers third-degree burns fighting a grease fire and blames the restaurant for inadequate safety training. The case goes to court, and the policy pays for the lawyer and the eventual settlement.
See example +When a work-related incident is fatal, death benefits cover funeral expenses and help support the family left behind.
Example: An electrician touches a live wire and dies. The policy covers funeral and burial costs and provides financial support to his spouse and children.
See example +We don't just sell policies, we build relationships. Real words from real clients.
"We have had approximately 7 claims this year, from a sprained knee to a serious neck and shoulder surgery. To date, none have been litigated. Mike and his team filed each case, got the injured worker treated, and 6 out of 7 have been released back to work as good as new. Our only regret is that we did not meet him years ago. We could have saved hundreds of thousands of dollars."
"I'm in the workers' compensation business, and I can tell you that Mike really gets it. Many, many brokers do not truly understand the important issues in comp. Mike's not one of them. His concern for his clients is way beyond the basics of account management."
"You truly cannot go wrong choosing to work with McDonough Insurance Services! I felt like I was their top priority. They've saved my company thousands of dollars, $20K to be exact."
"Our carrier decided not to renew because of the brush fires, and my previous broker gave up. Mike and Nannette found me replacement coverage with a more competitive carrier and more comprehensive coverage, and they did all of this in 2 days."
No pressure and no obligation. Three simple steps stand between you and a workers' comp program that finally works in your favor.
Tell us a little about your business and current coverage. It takes about a minute, and there is no obligation.
We shop competitive pricing across top-rated carriers and review your Experience Mod, claims, and coverage for hidden savings and gaps.
You get a clear plan to lower your total cost of risk, plus a team that keeps claims from spiraling out of control year after year.
We identify credits, discounts, and overlooked savings opportunities to ensure you're not overpaying for your insurance. Our proprietary strategies typically save clients 30% or more.
Not at all. We handle the entire process, including reviewing your current policies and setting up new coverage without disrupting your business operations.
Call us immediately. We'll walk you through every step, working directly with the claims examiners to keep the process smooth and stress-free while minimizing any impact on your business.
Yes, we work with businesses of all sizes, from startups to established companies across California and beyond, tailoring our services to meet your specific needs.
We offer 24/7 support. Whether it's a claim, a question, or advice, our team is here for your business every step of the way.
Our focus is reducing your workplace risks and minimizing your work comp insurance costs, so you can get back to running and growing your business.
