At McDonough Insurance Services, Mike McDonough ensures a single accident doesn’t end your company. From simple contractor liability policies to complex commercial contractor insurance, we prioritize your protection and your bottom line.
A contractor insurance policy is a customized suite of coverages designed to protect builders, tradespeople, and construction firms from job-site accidents, property damage, and legal claims. In California, having the right commercial contractor insurance isn’t just a suggestion it’s often a legal requirement to stay licensed and get paid.
Don’t just “have a policy”have a license to grow.
If you feel like you’re overpaying for a policy that doesn’t actually protect you, you’re likely hitting these 4 walls:
Running a contracting business is rewarding—but it also comes with risks that can leave you vulnerable. Accidents on a job site, unexpected damage, or even liability claims can quickly become overwhelming. At McDonough Insurance Services, we understand these challenges and provide contractors insurance designed to give you peace of mind.
We’re big enough to deliver leading-edge protection yet small enough to understand your business personally. From HVAC specialists to roofers, electricians, and plumbers, we work closely with contractors to build coverage plans that protect both your business and your future.
Construction premiums are among the highest in California. We specialize in Top Workers’ Compensation Insurance audits to fix job-site misclassifications. We help small contractors’ insurance clients find credits that return thousands to their cash flow.
Get the business insurance coverage and trade contractor insurance you need to pull permits. Whether you need HVAC contractor insurance, roofing contractor insurance, electrician insurance, or plumber insurance, we provide the specific residential and renovation contractor insurance expertise that online contractor insurance searches often miss.
Prevention is profit. Our Risk Management Solution focuses on “bullet-proofing” your job sites. As a leading contractors’ insurance agency, we identify gaps in your commercial contractor insurance that leave you vulnerable to construction defect claims or equipment theft.
Most “instant” policies are full of exclusions. We provide a robust General Liability shield that covers third-party bodily injury and property damage. Whether you are on a job site or in a client’s home, we ensure your business is protected from the lawsuits that bankrupt “un-audited” companies.
One mistake shouldn’t end your legacy. Our Professional Liability (Errors & Omissions) coverage protects you if a client alleges your work was substandard, incomplete, or caused financial loss. We “bullet-proof” your reputation against claims of negligence.
Your personal auto policy won’t cover your work truck in a 9-to-5 accident. We provide Commercial Auto insurance for owned and non-owned vehicles, ensuring your team is covered from the office to the job site.
Your tools are your livelihood. Our Inland Marine (Tools & Equipment) coverage protects your gear anywhere it goes in the van, on the site, or in the shop. We prioritize rapid replacement so a theft doesn’t stall your project.
Protect your “Brick & Mortar” investment. From specialized manufacturing machinery to office inventory and laptops, our Commercial Property policies ensure that fire, theft, or natural disasters don’t halt your production.
For small to mid-sized businesses, we offer a Customized BOP that combines Liability and Property into one streamlined, cost-effective package. It’s the “One-Stop-Shop” convenience of a digital bot, but backed by 40+ years of California expertise.
The cost of a contractor insurance policy in California is never “one-size-fits-all.” Your premium is driven by your specific trade, annual revenue, and payroll size ranging from $70/month for a solo handyman to higher totals for high-limit commercial contractor insurance. At McDonough, we don’t just give you a price; we manually audit your “Class Codes” to uncover savings that automated online contractors’ insurance bots miss.
“Mike is the strategist that entrepreneurs and business owners call when they WANT MORE PROFIT.” Kevin Harrington, Original Shark from Shark Tank
We audit your payroll and job classifications. By optimizing your Workers' Compensation and implementing safety protocols, we secure credits that standard brokers overlook.
Yes. Whether you need HVAC company insurance, plumbing company policy, or electrician company policy, we tailor the coverage to your specific risks and tools.
While online contractors' insurance is fast, it often leaves gaps. We provide contractors' insurance services that include 24/7 support and expert counsel on California-specific labor and liability laws.
We audit your commercial contractor insurance to ensure you aren't held liable for a subcontractor's mistake or injury on your job site.
Businesses should review policies annually or after operational changes to ensure coverage is adequate and compliant.
In construction, no COI means no pay. Our contractors' insurance services provide rapid certificates so you can pull permits and start your residential contractor insurance projects without delay.
In construction, no COI means no pay. Our contractors' insurance services provide rapid certificates so you can pull permits and start your residential contractor insurance projects without delay.
Stop Overpaying for Generic Policies. Get a Strategic Shield. One claim shouldn’t stall your project. Let Mike McDonough secure your legacy.
