McDonough Insurance Services

McDonough Insurance Services Are you paying too much for insurance? Protect your business and save on unnecessary costs! Let us help you secure your greatest asset.

Schedule a policy review or book a call with us today using the link below! Save money and protect your business with expert workers' compensation, risk management, and commercial insurance solutions tailored to your needs.

06/10/2026

Shopping your workers' comp every year is exactly why your costs keep going up.

Every carrier switch resets the relationship. Every reset means no one knows your account. And when no one knows your account, claims get mismanaged, reserves inflate, and your mod climbs.

The employers paying the least on workers' comp are not the ones who shop every year. They are the ones who build a system and hold everyone accountable to it.

Your broker should be managing your claims, not just renewing your policy. If they are not doing that, you are not being served. You are being processed.

CTA: Comment BROKER and we will send you the five questions you should be asking yours right now.

Here's how a $12,000 workers' comp claim turned into a $200,000 employment lawsuit.(This happens more than you think.)St...
06/08/2026

Here's how a $12,000 workers' comp claim turned into a $200,000 employment lawsuit.

(This happens more than you think.)

Step 1: Employee injures their back on the job. Legitimate claim. Filed properly.

Step 2: The employer gets frustrated with the time off. Makes offhand comments. Reassigns duties 'temporarily.'

Step 3: Employee returns to work. Gets passed over for a promotion.

Step 4: Employee hires an attorney.

The lawsuit? Retaliation and discrimination.

The comp claim was manageable.
The EPLI claim was devastating.

The worst part?

It was 100% preventable.

One of the biggest risk factors for an EPLI claim is how you treat an employee AFTER a workers' comp claim is filed.

That's the gap most employers don't know they have.

Quick question:Do you know what EPLI actually covers?Most business owners don't, until they need it.EPLI (Employment Pra...
06/05/2026

Quick question:

Do you know what EPLI actually covers?

Most business owners don't, until they need it.

EPLI (Employment Practices Liability Insurance) protects your business from claims made by employees alleging:
→ Wrongful termination
→ Discrimination
→ Harassment
→ Retaliation
→ Failure to promote

Here's the part that stings:

Most EPLI claims don't come from strangers.

They come from employees who were hurt, filed a workers' comp claim, and felt your company handled it poorly.

That's how a $12,000 comp claim turns into a $200,000 EPLI lawsuit.

Tomorrow I'll show you exactly how that escalation happens, step by step.

Most employers say A or B. That's not their fault — nobody ever explained how the system actually works. Comment your le...
06/04/2026

Most employers say A or B. That's not their fault — nobody ever explained how the system actually works. Comment your letter and I'll reply with what you can actually do about it.

📞 949-361-8471 | ✉️ [email protected] | 🌐 mcdonoughinsuranceservices.com

Drop your number below, I personally reply to every comment with the straight answer.📞 949-361-8471 | ✉️ mike@mcdonoughi...
06/01/2026

Drop your number below, I personally reply to every comment with the straight answer.

📞 949-361-8471 | ✉️ [email protected] | 🌐 mcdonoughinsuranceservices.com

05/29/2026

Nobody wants to hear this, but someone has to say it.

Shopping your workers' comp insurance every single year is one of the reasons your costs keep rising.

Carrier loyalty is not the point. Account management is. And when you switch carriers constantly, you lose the continuity that allows your account to be managed properly.

The employers with the lowest premiums are not the best shoppers. They are the most strategic.

Comment BROKER below and we will share five questions to ask your current broker before your next renewal.

Most business owners think they have a workers' comp pricing problem. They actually have a management problem.When claim...
05/26/2026

Most business owners think they have a workers' comp pricing problem. They actually have a management problem.

When claims stay open too long, reserves climb. When reserves climb, your mod goes up. When your mod goes up, your premium follows, and it keeps following for years.

This is not bad luck. It is the result of an account that is not being actively managed.

Employers with significant payroll are losing 25 to 40 percent more than necessary on premiums every year because no one is doing the work behind the scenes.

Save this post and tag a business owner who needs to see it.

Contractors, if your workers' comp mod is over 1.0, you are paying more than you should. Every year.Here is what is actu...
05/22/2026

Contractors, if your workers' comp mod is over 1.0, you are paying more than you should. Every year.

Here is what is actually driving it: claims staying open too long, inflated reserves no one is challenging, and a broker who renews the policy but never manages the account.

We moved one contractor from a 1.42 mod to a 0.72 mod. The savings exceeded $200,000.

Same company. Same work. Different level of management.

Comment CONTROL below and we will break down your mod for free.

5 ways drama inside your company is directly raising your workers' comp bill.None of these have anything to do with the ...
05/20/2026

5 ways drama inside your company is directly raising your workers' comp bill.

None of these have anything to do with the severity of the injury.

All of them are preventable.

Save this and share it with your ops manager.

📞 949-361-8471
✉️ [email protected]
🌐 mcdonoughinsuranceservices.com

Address

27136 Paseo Espada #103
San Juan Capistrano, CA
92675

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm
Saturday 9am - 5pm
Sunday 9am - 5pm

Telephone

+19493618471

Website

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