27136 Paseo Espada #103 San Juan Capistrano, CA 92675
mike@mcdonoughins.com
949-361-8471
McDonough Insurance Services

Can you maximize your protection while lowering your costs?

We Help Business Owners Protect Their Greatest Assets from Unnecessary Risks and Costs

Get the peace of mind you deserve with our comprehensive risk management and insurance solutions.

Are You Leaving Your Business Vulnerable to Unnecessary Costs and Risks?

  1. Don’t have control over rising insurance premiums.
  2. Struggle with high employee turnover due to poor hiring processes.
  3. Are unaware of gaps in their current insurance coverage.
  4. Don’t have a clear strategy for managing workplace injuries and claims.
  5. Lack access to specialized support in HR, Payroll, and Safety.
  6. Don’t know how to reduce the frequency and cost of claims.
  7. Are frustrated by the complexities of compliance with workers’ compensation laws.
  8. Don’t understand the full extent of risks their business faces.
  9. Are overpaying for inadequate insurance services without realizing it.
  10. Cost their business financial stability due to unforeseen disruptions.

Mission:

"To ensure businesses thrive by creating personalized, comprehensive insurance strategies that prevent loss, reduce liability, and increase certainty for sustainable growth.

This identity positions you as a problem-solver who is proactive in risk identification and mitigation. You’re not just selling insurance—you’re a trusted advisor crafting certainty for your clients' future."

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Focusing on your Workers Comp Insurance challenges while reducing your Cost of Risk.

Unfortunately, many business owners learn the truth about workers’ comp the hard way: Don’t learn the hard way. 

When an employee is injured and you’re not sure where to turn or who to ask for help, it can give you the feeling that maybe the system is not working for you, it is working against you? Do you ever feel this way?

If your employees claims are not processed properly or timely, it hurts both you and your employees.

You have the power to end this cycle that is draining your time, energy and money, not to mention, upsetting your employees. 

You need an equalizer, someone to assist you and your employees.

You need a Workers’ Comp Insurance Advisor who focuses on reducing risk and workplace injuries while minimizing your Workers Compensation Insurance costs. 

Mike’s focus has been decades of hands-on experience utilizing an innovative approach positioning his clients with the time to truly care about their employees’ well-being while creating a safe and happy workforce.

With our insurance program, you can go back to growing your business instead of being drawn into the workers’ comp process.

Discover Mike’s Four-Step Proven Road Map to Turning Your Workers Compensation Program into a Competitive Advantage

Video testimonial from Kevin Harrington from Shark tank

Strategic Risk & Compliance Consultant. Insurance Solutions Strategist

These reflect a broader role in not only providing insurance and also guiding business owners through comprehensive risk management, compliance, and protection strategies. Highlighting expertise in risk mitigation, cost reduction, and providing access to essential professional services, we position our agency as more than just an insurance broker—I am a trusted advisor overseeing their overall business protection.

"I help businesses build comprehensive risk management strategies by identifying insurance gaps, exposures, and vulnerabilities. As a licensed insurance broker with an expansive network of professional resources, I don’t just sell policies—I craft custom-tailored solutions that protect your business while lowering costs and maximizing certainty. Through my expertise in general liability, workers' compensation, excess liability, and more, I deliver peace of mind with guaranteed results."

Why Work With McDonough Insurance Services?

Tailored Risk Management Plans

Benefit: 
We develop customized risk management strategies that are specifically designed to minimize the unique risks your business encounters, ensuring long-term stability and peace of mind.
What You Get: 
A personalized approach that aligns with your business goals, helping you avoid costly disruptions and maintain operational continuity.

Access to Specialized Expertise

Benefit: 
Our fractional team of specialists in HR, Payroll, Safety, and Legal services becomes an extension of your business, providing the expertise you need without the overhead.
What You Get: 
Immediate access to industry experts who help you navigate complex issues, reduce costs, and optimize your operations.

Proactive Claims Management

Benefit: 
We offer proactive claims management services that ensure quick resolution of claims, reducing downtime and financial loss.

What You Get: 
Efficient claims processing that keeps your business running smoothly, minimizes disruptions, and preserves your bottom line.

Testimonials

  • Joe Burgess from CHSI

    Technologies in Las Vegas, NV
    I'm in the workers' compensation business, and I can tell you that Mike really gets it. There are many, many brokers who do not truly understand the important issues in comp. Mike's not one of them. He runs a small company and is close to his clients. As a small business owner himself, he understands their business realities. Mike is straight up and his concern for his clients is way beyond the basics of account management.

  • Robin Stiles

    Firstlight Home Care of Salem
    "You truly cannot go wrong choosing to work with McDonough Insurance Services! I recently contacted them for my companys' liability insurance. I felt like I was their top priority. The correspondence and communication has been quick and seamless. They've saved my company thousands of dollars ($20K to be exact) If you are looking for a professional advisor who is knowledgeable and you want the process to be stress free while feeling like you're their top priority, this is the place!!

  • Donna Stevens

    Specialty Plants, Inc.
    I discovered McDonough Insurance after Mike McDonough stopped by our office and left a bag of treats along with a copy of his book. Several months later I was in need of a new broker. Due to our business location being near the proximity of the brush fires in California, our carrier made a decision to non renew our policy because of our geographical location to the designated fire area. After unsuccessfully calling around to find coverage for my property and business, my previous broker called me to tell me that she had exhausted all of her options and possibilities of finding a replacement policy. She said it was now up to me to find coverage with only a couple of days left before our coverage expired.
    I remembered Mike and gave him a call. Mike and Nannette immediately started working to find coverage for me. They not only found me replacement coverage, but they also found it with a carrier that was more competitive with more comprehensive coverage, and most importantly, they did all of this in 2 days. They found me a new policy and my coverage didn't cancel or lapse.
    Working with the McDonough Insurance Team has been a refreshing change - they answer my emails and calls, answer my questions and explain thoroughly. And they are both genuinely nice people to work with.

  • Monica Lenches

    from Coast & Valley Properties in Santa Barbara, CA
    Mike McDonough is one of those rare individuals who brings a unique special perspective to his professional work. As an insurance broker, he consistently puts his clients best interests first, bringing a superior degree of integrity and care to the sales experience. Mike is more interested in supporting people in getting what they want, based upon their goals and objectives rather than selling them on what he thinks they should have. His sincere caring and dedication last well beyond the closing of a transaction. With Mike, you have a partner for life.

  • Kristie Koeppe

    Ned L Webster Concrete
    We have only been doing business with McDonough Ins for a little more than a year now and over this past year, we have had approximately 7 claims. From as small as a sprained knee to as large as 1 injured worker undergoing a pretty serious surgery for his neck and shoulder. To date, none of these claims have been litigated. In this short amount of time, Mike and his team have filed the case, treated the injured worker, and 6 out of the 7 have been released back to work as good as new with lost time or income. Our only regret is that we did not meet him years ago. We could have saved hundreds of thousands of dollars but most importantly our injured workers would have received the proper care from the start

Core Values

Unlike traditional brokers, I use a holistic risk management approach, incorporating safety, loss control, HR and legal resources to prevent losses before they happen while ensuring your business has the right coverage in place at all times.

Precision

A meticulous approach to uncovering hidden risks.

Certainty

Guaranteeing reliable protection and financial peace of mind.

Transparency

Offering clear, actionable insights on insurance policies and risk mitigation strategies.

Collaboration

Leveraging a network of top professionals (HR, payroll, legal, safety) for holistic business protection.

Affordability with Assurance

Providing the best coverage at the most affordable price with guaranteed results.

Our Unique Solutions

At McDonough Insurance Services, we offer more than just traditional insurance coverage. Our unique approach combines comprehensive risk management, access to a team of specialized experts, and proactive claims management to ensure your business is fully protected and optimized for growth.

The Easy User Experience to Get Started

Getting started with us is straightforward and hassle-free. Simply schedule a consultation, and we'll take the time to understand your business, identify your specific needs, and craft a tailored protection plan that aligns with your goals.

Why Us?

We stand out because of our commitment to providing not just insurance, but complete business protection. With our deep industry knowledge, personalized service, and a dedicated team that works as an extension of your business, we help you safeguard your assets and increase profitability.

Lead Machine Tool

Our streamlined process is designed to guide potential clients from initial contact to a secure partnership effortlessly. From the first call to the implementation of your customized plan, we ensure a smooth transition that addresses all your concerns and sets you up for long-term success.

Book An Appointment

McDonough Insurance Services

Protecting your business, securing your future.

Workers Compensation Insurance Advisors Focused on Reducing Risks and Minimizing Work Comp Costs for Construction, Wholesale, Food Processors, Trucking, Agriculture, Home Care and Cannabis

27136 Paseo Espada #103 San Juan Capistrano, CA 92675
mike@mcdonoughins.com
949-361-8471

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