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.
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
INSURANCE SERVICES
Workers' Compensation
Protect your team and control one of your biggest business costs.
Business Insurance
Risk Management
Personal Insurance
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.
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.
What Business Owners Say About Us
EXCELLENT
Based on 27 reviews
Posted on Google![]()
Ray KikavousiTrustindex 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![]()
LaSaundra GarrettTrustindex 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![]()
Cameron MeredithTrustindex 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![]()
Nicole FreemanTrustindex 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![]()
Ian WaschakTrustindex 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![]()
John TeedTrustindex verifies that the original source of the review is Google.
Strongly recommend for insurancePosted on Google![]()
Vanessa AcostaTrustindex 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![]()
Ryan WTrustindex 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![]()
Terry MTrustindex 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
How Roofing Contractor Insurance Protects Your Business From Liability and Risk
1099 vs W-2: How Employee Misclassification Can Trigger Audits, Lawsuits & Higher Insurance Costs
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.