MIKE MCDONOUGH · SAN JUAN CAPISTRANO, CA

Business Consultant & Insurance Agency in San Juan Capistrano

I help business owners increase profit, lower insurance costs and plan a strategic exit. Serving Orange County from our San Juan Capistrano office since 1981.

Mike
Mike McDonoughFounder, 40+ years advising owners

Four Decades of Experience

Family-owned in San Juan Capistrano

5.0 on Google

From 29 business owner reviews

CA License 0692274

Licensed California agency

Independent

We work for you, not one carrier

More Profit in Your Business

Watch Mike explain how owners find the profit they are leaving on the table, and why insurance and workers’ compensation are part of the answer.

  • Where profit leaks out of a growing business
  • How the right coverage protects your margin
  • What to do now so you can exit on your terms

How I Help Business Owners

Consulting and commercial insurance for your business, plus personal coverage for you and your family. One goal: a business that earns more, carries less risk and is worth more when you are ready to step away.

BUSINESS CONSULTING

Business Consulting for Profit, Growth and Exit Planning

One-on-one guidance to increase profitability, plan your growth and strategically exit, from an advisor who also understands insurance and risk.

INSURANCE SERVICES

An independent insurance agency that compares carriers and recommends coverage for how you actually operate.

Business Insurance

General liability, commercial and personalized policies built around how you operate.

Risk Management

Spot and fix risks before they become claims, with a risk-first review of every policy.

Personal Insurance

Coverage that protects your family, from the same team that protects your business.

Industries We Insure Across Orange County

We focus on three industries where workers’ comp and liability costs decide whether a business is profitable.

Contractors

HVAC, roofing, electrical, plumbing, pest control, painting and 5 more trades.

Home Care Agencies

Non-medical home care, assisted living, nursing homes, hospice and caregivers.

Manufacturers

Food, beverage, metal, plastics, machine shops, clothing, furniture and aerospace.

Professional headshot of Mike

Meet Mike McDonough

Mike founded McDonough Insurance Services. With over four decades of experience, he has helped business owners save thousands, and in some cases, six figures and more, by finding hidden costs and giving straight advice.

 

Today he works with owners as a business consultant first, with the agency behind him to protect what they build.

FREE GUIDECalifornia Workers' Comp Insurance GuideMike McDonough

What Business Owners Say About Us

EXCELLENT
Google star 1Google star 2Google star 3Google star 4Google star 5
Based on 27 reviews
Posted on Google Google
Ray Kikavousi profile picture
Ray Kikavousi
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
We’ve had a great experience working with Mike and Nannette at McDonough Insurance Services. They’ve been handling our workers’ comp and other insurance needs, and they’ve consistently been informative, responsive, and easy to work with. What really stands out is their level of communication—calls and emails are always returned promptly, which is rare in this industry. Mike is very knowledgeable and well-connected, which has been a huge advantage for us. We’ve been so satisfied with their service that we’ve referred them within our franchise, and now several other franchisees are using them as well. Highly recommend if you’re looking for reliable and professional insurance support.
Posted on Google Google
LaSaundra Garrett profile picture
LaSaundra Garrett
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
As a new franchisee with FirstLight Home Care, I can confidently say that this company has gone above and beyond to meet my needs. After experiencing a difficult situation with another insurance provider while setting up coverage for my business, I was feeling overwhelmed and uncertain about next steps. Nanette immediately stepped in and provided exceptional support. She walked me through the entire process, helping to resolve the issues and bring clarity to what had become a very stressful situation. Her willingness to be available—even during late evenings for calls, emails, and text messages—truly set her apart. Throughout every interaction, I was met with professionalism, patience, and genuine care. It’s rare to find that level of dedication and responsiveness. McDonough Insurance Services has earned my highest recommendation—they absolutely deserve more than five stars.
Posted on Google Google
Cameron Meredith profile picture
Cameron Meredith
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Mike and his team came through BIG TIME when i was going through a workers comp nightmare with State Fund who was my previous provider. They were able to secure last minute coverage for me and went above and beyond to help me in a time of need. I will be using Mike and his team for life due to the customer service they have provided. Thanks for everything.
Posted on Google Google
Nicole Freeman profile picture
Nicole Freeman
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Mike and his whole team have been a trusted resource in helping me to start up and maintain my home care agency. They have been so responsive to all my questions and have guided me in the right direction when it comes to all things insurance and risk related. Mike and his whole team have seen so much when it comes to home care and I feel grateful to be able to lean into their expertise as a new owner in the industry. They are always looking for ways to help business owners and you will be so glad you have them on your team of experts.
Posted on Google Google
Ian Waschak profile picture
Ian Waschak
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Mike and his team at McDonough Insurance Services provide some of the most professional and on-time services. With this team in your corner you can rest assured that you are in good hands.
Posted on Google Google
John Teed profile picture
John Teed
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Strongly recommend for insurance
Posted on Google Google
Vanessa Acosta profile picture
Vanessa Acosta
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Outstanding service! McDonough Insurance truly goes above and beyond. professional, responsive, and great to work with. Highly recommend!
Posted on Google Google
Ryan W profile picture
Ryan W
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Working with McDonough Insurance Services has been a game changer for my business. Mike doesn’t just sell insurance, he takes the time to truly understand your operations, your risks, and your goals. His depth of knowledge in workers’ compensation and risk management is unmatched. He personally reviewed all of our policies, uncovered gaps no one else had ever mentioned, and helped us implement strategies that lowered our premiums and gave us more control over our claims. What really stands out is how accessible and responsive Mike is. He answers his phone and he makes sure you have certainty, not surprises. If you own a business and want someone who genuinely cares about protecting your people and your company, McDonough Insurance Services is the only call you need to make. We now consider Mike a trusted advisor, not just an insurance broker.
Posted on Google Google
Terry M profile picture
Terry M
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Through the ups and downs, 30 years in business, McDonough Insurance has had me covered. I recommend no one else.

Serving San Juan Capistrano and Southern California

Our office is at 27136 Paseo Espada #103 in San Juan Capistrano. We work with business owners across Orange, Los Angeles, Riverside, San Bernardino and San Diego counties.

Frequently Asked Questions

Are you an independent insurance agency?

Yes. We compare coverage from multiple carriers and work for you, not for one insurance company.

Which areas do you serve from San Juan Capistrano?

Businesses across Orange, Los Angeles, Riverside, San Bernardino and San Diego counties.

How can a business lower its workers' comp costs?

Correct payroll classifications, a safety plan and active claims management all affect your premium. See our workers’ compensation insurance page.

What is exit planning, and when should an owner start?

It is preparing your business to sell or hand over on your terms. Starting early gives you more options. Learn about consulting.

Is the first consultation free?

Yes. Book a call and Mike will review your situation with no obligation.

Business and Insurance Resources

Insurance Services

How Roofing Contractor Insurance Protects Your Business From Liability and Risk

Business Insurance

1099 vs W-2: How Employee Misclassification Can Trigger Audits, Lawsuits & Higher Insurance Costs

Insurance Services

How Caregiver Liability Insurance Protects Staff, Clients, and Your Business

Add More Profit to Your Bottom Line

Book a free call with Mike. Bring your questions about profit, growth, exit planning or your insurance costs.

Professional headshot of Mike
Mike McDonough

Founder, McDonough Insurance Services

Mike McDonough is a seasoned insurance professional with over 4 decades of experience. Known for his relentless work ethic and genuine care for his clients, Mike has helped countless businesses save thousands, and even six figures, by uncovering hidden savings and providing expert guidance.