Every employer pays for insurance. When you work with Sixth Man, you get more than coverage — you get fifty-plus years of combined business education, guidance, and coaching built into the relationship. At no additional cost.
Most business owners come to us for insurance. What they get is a trusted advisor with fifty-plus years of combined experience in business law, entrepreneurship, and workforce strategy — included in the relationship.
When you write your coverage through Sixth Man, you get access to the education, guidance, and coaching that most small businesses can't afford to hire separately.
"You are paying for insurance, but you are getting a business educator and a group of business educators and coaches who will help you at those crucial moments when you need somebody — but can't always afford it."
Our Vision
— Sixth Man Employer & Insurance Services
Two sides of the same mission. Insurance protects your business. Benefits retain your people. Together, they give every California employer the foundation to grow.
We design insurance structures that protect your business, keep you compliant, and scale with your workforce. Every employer in California needs it — we make sure you have the right structure.
Benefits are your competitive edge in attracting and keeping quality employees. We design programs that deliver real value to your workforce — often at little to no direct cost to you as the employer.
This is what sets Sixth Man apart. When you're a client, you get access to business coaching, compliance education, and strategic guidance from advisors with fifty-plus years of combined real-world experience — at no additional cost.
"Sixth Man helped us move into a structure that reduced our Workers' Comp spend while keeping COIs clean. The transition was fast and clients accepted coverage immediately."
"We were overpaying and getting constant COI pushback. Sixth Man built a compliant solution that fit our client mix and stabilized our entire cost structure."
"Claims handling improved immediately. It feels like we finally have a partner who understands the details — not just someone who sold us a policy."
Start with a strategy session. We'll review your current situation, identify gaps, and show you exactly how education, guidance, and the right insurance structure can protect your business and retain your people.
Sixth Man was built on a simple idea: every employer deserves access to real business expertise — not just an insurance policy. We deliver education, guidance, and protection together, because that's what actually helps businesses grow.
That is who we already are — not a goal we're chasing. A reality built over decades of working alongside employers who needed more than a policy.
Our Mission
To use our experienced business team and resources to provide a unique insurance product for employers who truly value their workforce — with a goal of achieving growth through guidance and education.
These are not aspirations. They are the standards we hold ourselves to in every client relationship, every team interaction, and every business decision.
We are a faith-based company that believes in Jesus as our Lord and Savior — and we will serve all people equally, with the same care, respect, and commitment regardless of background or belief.
We value people above transactions and believe every relationship matters — whether it leads to business or not.
We do what is right, even when it is inconvenient. Our clients trust us with real decisions — that trust is never taken lightly.
We bring care, effort, and professionalism to every interaction — from a first call to a decade-long client relationship.
We deliver real solutions that help businesses operate wisely and grow with confidence — not theoretical advice or one-size-fits-all products.
We believe honesty includes recognizing when a person or business is not the right fit — and saying so, even when it costs us the deal.
We make every client, team member, and relationship better because of our involvement. That is our measure of success — not premium volume or policy count.
Workers' Compensation, General Liability, Commercial Auto, and all commercial insurances — the insurance side of protecting your operation.
Health insurance, supplemental benefits, dental, vision, life, disability, and retirement — programs that make your employees feel valued and stay longer, often at zero employer cost.
Fifty-plus years of business law, compliance, and workforce expertise — available to every client as part of the relationship, at no additional cost.
No pitch. No pressure. Just an honest look at where you are and how we can help you get where you're going.
Two service lines. One goal — protect your business and retain your people. Every program is built around your specific situation, not a one-size-fits-all policy.
Every employer needs the right insurance foundation — Workers' Compensation, General Liability, Commercial Auto, and the full range of commercial coverages. We design programs that align with how your business actually operates and where it's headed.
We design benefit strategies that balance cost, coverage, and long-term sustainability. As a brokerage, we provide access to multiple solutions and structure them based on what makes the most sense for your business and your people.
Most clients come to us with a specific pain point. We start there and show you the full picture. No pressure, no obligation.
If you have employees in California, you are our client. Every employer faces the same core challenges: protecting their business and retaining their people. We solve both.
California is the most regulated state in the country for employers. Rising insurance costs, compliance complexity, and the constant pressure to attract and retain quality employees create challenges that most business owners are navigating alone — without the right support.
Workers' Compensation premiums increase every year. Most employers don't know there are alternative structures that can dramatically reduce what they pay.
Competing with corporations and government agencies for quality employees is a losing battle without a benefits strategy. We level the playing field at little to no employer cost.
California labor law, COI requirements, and WCIRB compliance are complex. Most small businesses can't afford a consultant. Our clients get ongoing guidance built into the relationship.
While we serve all California employers, we have built deep expertise and specialized programs for the industries where the challenges are most complex.
Contractors, GCs & specialty trades
View Specialized Program →Multi-industry California staffing
View Specialized Program →Guard companies & event security
View Specialized Program →Fleet operators & last-mile delivery
View Specialized Program →If you have employees in California, we have a strategy for you. Let's start with a conversation — no pressure, no pitch.
Construction is one of the highest-risk industries for Workers' Compensation. We build strategies that protect your crews, satisfy client COI requirements, and keep your premiums under control.
Construction employers face some of the most demanding Workers' Compensation requirements in California. High-risk job classifications, fluctuating payroll, and strict client COI requirements create a perfect storm that can limit growth and drain margins.
We analyze your workforce classifications, payroll model, and COI requirements to design the most cost-effective compliant program — traditional, pay-as-you-go, or deductible-based.
We ensure your Certificates of Insurance meet the specific language required by your GC clients and project owners — so you never lose a contract over coverage.
PEO and EOR structures can dramatically simplify compliance and reduce risk exposure for employers using subcontractors or temp labor.
Attract and retain skilled tradespeople with supplemental benefits and life insurance options that cost little to nothing in employer overhead.
Free review of your current structure, MOD rating, and COI compliance — with a clear plan to reduce cost.
Staffing agencies face unique challenges — fluctuating payroll, multiple job classifications, and strict client COI requirements. We build compliant, scalable solutions that keep your agency growing.
California staffing is a high-compliance, high-variance risk environment. Standard Workers' Compensation approaches don't work for agencies placing workers across multiple industries with rapidly changing payroll.
We evaluate your full placement profile and connect you with the right carrier or program — traditional policy, pay-as-you-go, or deductible — built around your actual payroll model.
We ensure your Certificates of Insurance meet every client's specific requirements so you stop losing contracts over COI rejections.
When traditional Workers' Comp becomes too restrictive, PEO and EOR structures can open new doors — reducing carrier friction and enabling placement into higher-risk industries.
Stand out from competing agencies by offering supplemental benefits, dental, vision, and life insurance to your placed employees — often at zero employer cost.
Free review of your Workers' Comp structure, COI compliance, and scalability — with a clear action plan.
Security firms operate in a high-liability environment with unique Workers' Comp classifications, compliance demands, and retention challenges. We build programs that match that reality.
Security companies deal with elevated Workers' Compensation classifications, high employee turnover, and clients that demand specific insurance coverage. Managing this complexity while controlling cost requires a strategic approach.
We analyze your classification mix, claims history, and MOD rate to design a program that stabilizes your annual premium — including alternative structures like pay-as-you-go or deductible programs.
COI management so your certificates always meet the specific requirements of each client account — no more contract delays over coverage issues.
For security companies with rapid headcount growth, PEO structures can reduce Workers' Comp friction and open access to benefits that improve officer retention.
Supplemental benefits, life insurance, and voluntary benefits give you a competitive edge in attracting and retaining reliable security personnel — often at zero employer cost.
Free discovery call to evaluate your Workers' Comp structure, COI compliance, and employee benefits strategy.
Trucking employers face high-exposure driver classifications, DOT compliance requirements, and significant claims risk. We build programs that protect your operation and keep drivers loyal.
Trucking and logistics companies face some of the highest Workers' Compensation premiums in California. Driver injury rates, vehicle incident exposure, and fluctuating payroll create a complex risk profile that standard insurance solutions can't adequately address.
We design programs for logistics operations — accounting for driver classifications, warehouse workers, and owner-operators — to minimize premium and maximize compliance.
Eliminate audit surprises and improve cash flow with payroll-integrated Workers' Comp that scales automatically with your headcount and seasonal fluctuations.
As your fleet and headcount scale, PEO structures provide access to better Workers' Comp rates, HR administration, and compliance support — without adding internal overhead.
In a tight driver market, competitive benefits are a retention tool. Supplemental income protection, life insurance, and more — keep your drivers loyal.
Free review of your current structure, classifications, and cost drivers — with a clear plan to reduce spend and improve compliance.
Every employer pays for insurance. We make sure you have the right structure — Workers' Compensation, General Liability, Commercial Auto, and the full range of commercial coverages — built around your industry, your payroll, and where your business is going.
It's not just an insurance line item. The structure you choose affects payroll, scalability, COI compliance, client contracts, and your margins. We design programs that align with how your business actually operates.
From Workers' Compensation to commercial property, we structure every policy around your specific operation — your industry, your workforce, your exposure profile, and your growth plan.
We evaluate your payroll model, classifications, claims history, and growth plan — then design the most cost-effective compliant program, whether traditional, pay-as-you-go, or deductible-based.
We ensure your Certificates of Insurance meet the specific language required by your clients, GCs, and project owners — so you never lose a contract over coverage.
Active claims management, audit support, and MOD improvement planning — protecting your premiums year over year.
Workers' Comp, General Liability, Commercial Auto, property, umbrella, cyber, professional — handled by one team that knows your business.
Free review of your current Workers' Comp, GL, and commercial insurance structure — with a clear plan to reduce cost and close gaps.
Benefits are how you attract and keep quality employees in a competitive market. We design benefit strategies that balance cost, coverage, and long-term sustainability — and many of them cost the employer nothing.
In a tight labor market, benefits decide who stays. Our Health & Life division designs strategies that show your team they're valued — without overloading your bottom line.
As a brokerage, we provide access to multiple carriers and structure programs around what makes the most sense for your business and your people. From core medical to executive protection, we cover it.
We start by understanding your team, your budget, and your retention goals — then design the right mix across health, supplemental, life, disability, and retirement.
Many supplemental and voluntary benefits can be offered at no employer cost — giving your team real value without adding to your overhead.
We handle onsite and virtual enrollment so your employees actually understand and use what you provide. Education turns a benefits package into a retention tool.
Executive life insurance, key person protection, and tailored retirement planning for owners and leadership — protecting both the business and the people running it.
Free strategy session — we evaluate your current benefits (or lack of them), identify gaps, and show you exactly what's possible at every budget.
Every engagement begins with a real conversation — we evaluate your current structure, identify gaps, and tell you exactly what we can do. No pressure. No obligation.
Our discovery consultation is a working session — not a sales pitch. We'll review your Workers' Comp structure, benefits strategy, and workforce model to identify specific, actionable opportunities.
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