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Protect and Grow Your Business Using the Top Insurance Strategies

Protect Your Business and Families with Insurance

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At McDonough Insurance Services, YOU Come First.

Based in San Juan Capistrano, CA, McDonough Insurance Services helps businesses throughout Orange County and across California manage insurance costs, reduce risk, and protect what they have built. Our risk-first approach combines insurance coverage, workers’ compensation strategies, and practical risk management tailored to each business.

Our Commitment: Putting Clients First, Not Commissions
Unlike traditional brokers, our priority is your bottom line, not ours. We take a strategic, risk-first approach to ensure you're fully protected while lowering your costs...even if it means we earn less commission. Our mission is simple: maximize your savings, minimize your risk, and provide unmatched expertise so you can focus on growing your business with confidence.

Because true success isn’t just about selling policies…it’s about serving, protecting, and delivering real financial impact for our clients.

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About Us

Founded in 1981: Our Journey of Trust and Excellence in Insurance

McDonough Insurance Services has been a trusted partner for businesses across California and beyond. At the heart of our success is Mike McDonough, 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.

 

Decades of Dedication

Serving businesses and families with personalized insurance solutions for over 40 years.

Built on Trust

A legacy shaped by reliability, transparency, and lasting client relationships.

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Mike isn’t your typical insurance broker

 With a background rooted in discipline, hard work, and a commitment to excellence, he has built a reputation as a leader in the industry.

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Reliable Insurance Plans for Every Business

Shield your business from unexpected setbacks with customized business insurance solutions. From liability to property coverage, we provide tailored policies that support your business’s growth while keeping it compliant and protected.

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Our Services

Comprehensive Scope of Services for Business Protection and Growth

Life is full of surprises. Be ready for the unexpected with our flexible insurance solutions.

Save Money on Insurance

We ensure your business is set up to get the best insurance rates. By uncovering hidden savings and maximizing credits, we help you save $$$ with the BEST coverage.

Protect Your Business

We help you manage risks and reduce potential liabilities. From workers' comp strategies to compliance, we ensure your business stays safe and secure.

Expert Support Anytime

Get 24/7 access to our team of professionals. Whether it’s a claim, a question, or advice, we’re here to support your business every step of the way.

Safer Workplaces, Lower Costs

You NEED safety protocols that prevent accidents and lower workers' comp claims. A safer workplace means happier employees and reduced costs.

HR Made Simple

Our expert partners will help bullet-proof your hiring, compliance, and team management. Avoid costly mistakes and keep your business running smoothly.

Don't Believe Us?

Hear From from Shark Tank's Kevin Harrington

“Mike provides his expertise to entrepreneurs and business owners that WANT MORE PROFIT.

We are a client-first agency, not a commission-driven brokerage. Our approach focuses on reducing your risk and lowering your insurance costs—even if it means we earn less. Every recommendation we make is designed to strengthen your financial protection and long-term success.

McDonough Insurance Services was founded in 1981, backed by more than 40 years of hands-on experience. Led by industry veteran Mike McDonough, we’ve spent decades helping businesses uncover hidden savings, secure better coverage, and avoid costly insurance pitfalls.

We serve companies of all sizes across California and beyond—including contractors, manufacturers, retailers, service providers, and more. Whether you're a growing small business or a large operation, we tailor insurance solutions to your specific risks and budget.

We take a risk-first, strategy-driven approach:

  • Identifying coverage gaps that expose you to unnecessary risk

  • Eliminating overpriced or duplicate policies

  • Leveraging industry knowledge to negotiate better terms

  • Finding hidden credits and discounts most brokers overlook

Many clients save thousands—and even six figures—annually after our review.

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Our Team

Meet Our Leaders

Life is full of surprises. Be ready for the unexpected with our flexible insurance solutions.

EXCELLENT
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Based on 27 reviews
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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.
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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.
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Cameron Meredith profile picture
Cameron Meredith
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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.
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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.
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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.
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John Teed profile picture
John Teed
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Strongly recommend for insurance
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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!
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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.
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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.
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