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5 BIG Workers Compensation Challenges
ONE: How do I find skilled workers without hiring a work comp claim problem… and still stay in compliance with all the laws and regs?
Preventing Work Comp claims starts at the time of hire.
TWO: What simple and effective safety training can I easily implement to prevent workplace injuries?
Safety Training is crucial in preventing claims… and often times improves Company Culture and Employee Productivity.
THREE: I’m confused! Help me understand my Experience Mod calculation… and how I can lower it?
Very few Insurance Agents can explain how your Experience Mod calculation works… and even fewer can help you effectively lower it.
FOUR: When a Work Comp claim happens how do I keep it from getting out of control?
Work Comp claim costs can quickly spiral out of control without a Team assisting you.
FIVE: When a serious workplace injury happens, what support should I expect from my insurance agent?
Your Insurance Advisor should have the experience, understanding of the Work Comp system, and access to Resources to offer you Professional Guidance and Support when a serious workplace injury occurs.
Protecting Employers from Waste, Fraud, and Out-of-Control Premiums
Many business owners learn the truth about workers’ comp the hard way:
The system is working against you.
If not managed properly, it hurts both you and your employees.
You have the power to end the mismanaged claims cycle that drains your time and money, not to mention, hurts your employees.
You need an equalizer.
You need Mike McDonough, the Workers’ Comp Advisor who focuses on reducing workplace injury risks and minimizing Workers Compensation costs.
Mike’s focus, decades of experience, and hands-on, innovative approach position you to truly care about your employees’ well-being, creating a safe and happy workforce.
With his help, you can go back to growing your business instead of managing the workers’ comp process.
Discover Mike’s Four-Step Proven Road Map to Turning Your Workers Compensation Program into a Competitive Advantage
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Medical Expenses Coverage
Lost Income Coverage
Compensation For Fatal Injuries Coverage
What our Client's Say
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.
Doing business in the state of CA is becoming almost impossible due to the increasing costs of all the various insurance policies. Due to the nature of our business, our work comp policy is our most expensive policy yet. Over the past two decades, we have always felt like we were walking on eggshells with our previous carrier hoping a claim would not happen. Because with each new claim that was filed our MOD rate continued to rise. For a various number of reasons, it nearly doubled over the prior two years. We had our own in-house safety programs and weekly safety meetings but even with those we were still seeing an increasing number of claims. The upcoming year’s rate was always based on what your Ex-Mod currently was/is. Every year we crossed our fingers hoping our Ex-Mod rate would go down so our premium would improve.
We were introduced to Mike and his team through another contractor - mutual friend. After speaking with him and hearing what his company had to offer us we knew we needed to get on board and switch policies quickly. The interview process was lengthy and a lot of information was requested upfront to get started. We have never been hands-on with any of our work comp claims, as we were paying our broker a lot of money and assumed they were handling the claims as best as they could. However, after switching brokers and working side by side with Mike (McDonough Ins) we quickly learned all of our old work comp cases and injured workers had not been receiving proper medical treatment from the beginning and that is why their condition was not improving.
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
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.
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.
Mike is so passionate about workers’ comp! He has been instrumental in educating our managers and employees to help ensure we keep exposure low and costs down. It’s not uncommon for him to spend an hour or more on the phone if I have a question or need assistance. He is very responsive and thorough as well—always available to help and provides regular check-ins to make sure our workers' comp costs are controlled.