Insurance Resources & Guides for Businesses

Certificate of Liability Insurance: What Businesses Need to Know

A certificate of liability insurance (COI) is a one-page document that proves your business carries liability insurance. It summarizes the insured business, the insurance company, coverage types, limits, and policy dates, and it is usually requested by a client, landlord, or general contractor before work or a lease begins. A COI makes insurance verification easier, […]

Are Subcontractors Covered Under Your Contractor Insurance? (And How to Protect Your Business) new

Usually, no. A subcontractor isn’t automatically covered by a general contractor’s insurance just because it was hired for the project. In most cases the subcontractor is a separate business and needs its own insurance for its own work. This distinction matters because one subcontractor’s mistake can pull in several parties at once: the subcontractor, the […]

Insurance for Pest Control Companies: Coverage, Costs, and Requirements new

Pest control business insurance usually starts with four policies: general liability, workers’ compensation, commercial auto, and commercial property. Depending on the work you do, you may also need pollution liability, professional liability, equipment coverage, or an umbrella policy. Pest control carries more risk than most service businesses. Your technicians work inside other people’s homes and […]

10 Electrical Contractor Insurance Claims & How to Prevent Them

The most frequent electrical contractor insurance claims involve fires from faulty wiring, damage to a client’s property, injuries to customers or bystanders, worker shocks and burns, stolen tools, and vehicle accidents on the way to a job. Almost every one of these is preventable with the right safety habits and the right coverage in place […]

Certificate of Liability Insurance: What Businesses Need to Know

When a client, contractor, landlord, or business partner asks for a certificate of liability insurance (often shortened to COI), they usually want proof that your business carries the insurance required for the relationship. A certificate summarizes important information such as the insured business, insurer, coverage limits, and policy dates. A COI makes insurance verification easier, […]

General Liability vs Business Owner’s Policy: Which One Does Your Business Need? new

If you’re comparing general liability vs business owners policy, the biggest difference is what each policy protects. General liability insurance covers claims made by other people against your business, while a Business Owner’s Policy (BOP) combines liability coverage with protection for your own business property and income after certain covered losses. Choosing the right policy […]

General Liability vs Business Owner’s Policy: Which One Does Your Business Need?

If you’re comparing general liability vs a business owner’s policy, the biggest difference is what each policy protects. General liability insurance covers claims made by other people against your business, while a Business Owner’s Policy (BOP) combines that liability coverage with protection for your own business property and income after certain covered losses. Choosing the […]

Home Health Care Professional Liability Insurance: Risks Every Agency Should Know

Professional liability insurance for home health agencies pays for your legal defense, settlements, and judgments when a patient or family claims that the care your agency provided caused harm. Think of a fall during a transfer, a medication error, or a wound that got worse between visits. In healthcare it’s often called malpractice insurance. Most […]

Are Subcontractors Covered Under Your Contractor Insurance? (And How to Protect Your Business)

EXCELLENT

Based on 27 reviews

Ray Kikavousi

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.

LaSaundra Garrett

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.

Cameron Meredith

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.

Nicole Freeman

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.

Ian Waschak

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.

John Teed

Strongly recommend for insurance

Vanessa Acosta

Outstanding service! McDonough Insurance truly goes above and beyond. professional, responsive, and great to work with. Highly recommend!

Ryan W

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.

Terry M

Through the ups and downs, 30 years in business, McDonough Insurance has had me covered. I recommend no one else.

Contractors insurance

Manufacture insurance

Home Care insurance

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Contractors insurance

Manufacture insurance

Home Care insurance

Service Area — States

Mike McDonough

Mike McDonough

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Certificate of Liability Insurance: What Businesses Need to Know

Are Subcontractors Covered Under Your Contractor Insurance? (And How to Protect Your Business) new

Insurance for Pest Control Companies: Coverage, Costs, and Requirements new

10 Electrical Contractor Insurance Claims & How to Prevent Them

Certificate of Liability Insurance: What Businesses Need to Know

General Liability vs Business Owner’s Policy: Which One Does Your Business Need? new

General Liability vs Business Owner’s Policy: Which One Does Your Business Need?

Home Health Care Professional Liability Insurance: Risks Every Agency Should Know

Are Subcontractors Covered Under Your Contractor Insurance? (And How to Protect Your Business)

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