The Trusted Resource for Employers

Protect Your
Business.
Retain Your
People.

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.

50+
Years of ExperienceBusiness law, workforce strategy & insurance brokerage combined
CA
California LicensedLife & Health and Property & Casualty — fully licensed across both sides
$0
Additional CostEducation, guidance & coaching built into every client relationship at no extra charge
3
Divisions. One Strategy.Property & Casualty, Employee Benefits, and Advisory & Education — all under one roof
The Six Man Model

Education Leads.
Insurance Funds It.

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."

Workers' Compensation PEO Advisory Employee Benefits Health & Life Insurance ASO Structures EOR Solutions Compliance Strategy Risk Management Workers' Compensation PEO Advisory Employee Benefits Health & Life Insurance ASO Structures EOR Solutions Compliance Strategy Risk Management

Strategic Advisor

We evaluate your full workforce structure and build the right solution for your growth stage — not just the easiest policy to sell.

Carrier-Agnostic

We work with multiple carriers and platforms to find the genuine best fit for your business — not the most convenient one for us.

All Industries

From construction to healthcare — our strategies adapt to every workforce profile, risk environment, and compliance requirement.

Cost Reduction Focus

Every engagement is built around measurable cost reduction — not just coverage compliance or premium volume.

Our Vision

"The trusted resource employers turn to for education, guidance, business protection and growth."

— Sixth Man Employer & Insurance Services

Our Services

Protection.
Retention.

Two sides of the same mission. Insurance protects your business. Benefits retain your people. Together, they give every California employer the foundation to grow.

Insurance Services

Property & Casualty

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.

  • Workers' Compensation (all program types)
  • General Liability & Package
  • Commercial Auto
  • All commercial insurances — property, umbrella, cyber
  • COI compliance & management
View More →
Employee Benefits

Health, Life & Retention

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.

  • Health insurance — group medical for your team
  • Supplemental benefits (accident, cancer, critical illness)
  • Dental, vision & hearing
  • Group life & short/long-term disability
  • Retirement planning (IRA, 401k)
View More →
Advisory & Education

Guidance & Growth

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.

  • Business compliance coaching
  • Workforce planning & strategy
  • Employer education sessions
  • Benefits strategy meetings (weekly Zoom)
Schedule a Session →
Specialist Perspectives

Hear From Our Division Leaders

Employee Benefits Division

Low Cost. High Value.
Real Retention.

How employee benefits — even at zero cost to the employer — become your most powerful tool for attracting and keeping quality people in a competitive market.

Alejandra · Health & Life Division Leader
Property & Casualty Division

Beyond Traditional
Workers' Comp.

Why alternative structures — PEO, ASO, and EOR — are often the right solution for California employers facing rising premiums, carrier restrictions, or compliance complexity.

Chris · Property & Casualty Division Leader
Client Feedback

What Employers
Are Saying

Visit, Call, or Write

Where to
Reach Us

Our San Bernardino office is open to clients, partners, and prospective employers who want to talk through their workforce strategy in person.

Frequently Asked

Questions Employers
Ask Us Most

What is Sixth Man Employer & Insurance Services?

Sixth Man Employer & Insurance Services is a California insurance and employer-services firm that helps businesses with workers' compensation, commercial insurance, and employee benefits. Based in San Bernardino (CA Insurance License #0I01929), it serves employers across California — especially contractors, staffing agencies, trucking, and security companies — leading with education and guidance, with insurance as the delivery mechanism.

What workers' compensation situations does Sixth Man help with?

Sixth Man specializes in hard-to-place California workers' comp — employers who are unhappy with their carrier, have coverage gaps or prior claims, run high-risk operations, carry an unfavorable experience modification (ex-mod), are new in business, or face large deposits. It shops both standard carriers and specialty markets, and can restructure coverage through alternatives like PEO, ASO, and captive programs when the standard market says no.

How do I get a workers' comp quote from Sixth Man?

Request a quote at sixthman-es.com/get-a-quote or call (909) 987-4520. Share your business type, payroll, current carrier, and renewal date, and a licensed advisor will review your class codes and experience modification (ex-mod), then shop standard and specialty markets for options. There is no cost to get a review.

How much does workers' compensation insurance cost in California?

There is no flat price — California workers' comp premium is driven by your class codes, payroll, claims history, and experience modification (ex-mod) rate. Sixth Man works to lower it by correcting class-code and ex-mod errors, shopping specialty carriers most brokers don't reach, and restructuring coverage through PEO, ASO, or captive programs when it fits — then building a renewal strategy that starts before the policy is due.

Does California require contractors to carry workers' compensation?

California is moving to require every licensed contractor to carry workers' compensation, ending the "no employees" exemption many contractors have relied on. Sixth Man helps contractors get compliant before the mandate takes effect — setting up the right coverage, exemptions, and class codes so a CSLB or audit issue does not put their license at risk.

Ready to Work With a Trusted Resource?

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.

Who We Are

Fifty-Plus Years.
One Mission.

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.

50+
Years of ExperienceCombined business law, entrepreneurship, insurance & workforce strategy
2008
The Model Was BornEconomy crash forced a pivot — and revealed a better way to serve employers
$0
Additional CostEducation & coaching built into every client relationship, no extra charge

THE SIXTH MAN STORY

Video Coming Soon

Founder Interview · Ray ~5 min

How decades of teaching business and law became the foundation for a new kind of insurance brokerage — one that delivers real value beyond coverage.

Our Vision

"The trusted resource employers turn to for education, guidance, business protection, and growth."

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.

Our Core Values

The Seven Values
We Live By

These are not aspirations. They are the standards we hold ourselves to in every client relationship, every team interaction, and every business decision.

Our Faith

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.

People First

We value people above transactions and believe every relationship matters — whether it leads to business or not.

Integrity Always

We do what is right, even when it is inconvenient. Our clients trust us with real decisions — that trust is never taken lightly.

Serve in Excellence

We bring care, effort, and professionalism to every interaction — from a first call to a decade-long client relationship.

Practical Value

We deliver real solutions that help businesses operate wisely and grow with confidence — not theoretical advice or one-size-fits-all products.

Right Relationships

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.

Better Together

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.

Our Expertise

Protection & Retention.
Two Sides. One Strategy.

Property & Casualty

Business Protection

Workers' Compensation, General Liability, Commercial Auto, and all commercial insurances — the insurance side of protecting your operation.

Employee Benefits

Employee Retention

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.

Advisory & Education

Guidance & Growth

Fifty-plus years of business law, compliance, and workforce expertise — available to every client as part of the relationship, at no additional cost.

Let's Start With a Conversation.

No pitch. No pressure. Just an honest look at where you are and how we can help you get where you're going.

What We Do

Insurance & Benefits
Built for Employers

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.

P&C
Property & CasualtyWorkers' Comp, General Liability, Commercial Auto & all commercial insurances
EB
Employee BenefitsHealth, supplemental, dental, vision, life, disability & retirement programs
A+E
Advisory & EducationFifty-plus years of business expertise in every client relationship
Insurance Services

Property &
Casualty

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.

  • Workers' Compensation — traditional, pay-as-you-go, and deductible programs
  • General Liability tailored to your industry exposure
  • Commercial Auto for vehicles, fleets, and drivers
  • All commercial insurances — property, umbrella, cyber, professional
  • WCIRB-compliant Certificates of Insurance
  • Claims management and risk mitigation strategy
  • Experience modification (MOD) improvement planning
WC
Workers' Compensation strategy & placement
GL
General Liability built around your real exposure
360°
All commercial insurances under one roof
Health & Life

Employee
Benefits

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.

  • Health insurance — group medical for your team
  • Supplemental benefits: accident, cancer, critical illness
  • Dental, vision, and hearing benefits
  • Group life insurance and short/long-term disability
  • Retirement planning: SIMPLE IRA, SEP IRA, 401(k)
  • Executive life insurance and key person protection
  • Onsite and virtual enrollment & employee education
Rx
Health insurance & group medical strategy
$0
Many supplemental benefits at zero employer cost
401k
Retirement planning for owners & employees

Not Sure Where to Start?

Most clients come to us with a specific pain point. We start there and show you the full picture. No pressure, no obligation.

Specialty Programs

Specialized for
High-Demand Industries.

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.

5+
Employees is All You NeedWe serve small businesses that most advisors overlook — the ones that need us most
CA
California SpecialistsThe most regulated state for employers — we know the rules inside and out
4
Specialized ProgramsConstruction, Staffing, Security, and Trucking — built for high-risk industries
The Employer Challenge

The Headaches of Being an
Employer in California

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.

01

Rising Insurance Costs

Workers' Compensation premiums increase every year. Most employers don't know there are alternative structures that can dramatically reduce what they pay.

02

Employee Turnover

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.

03

Compliance Without Support

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.

Specialized Programs

Dedicated Solutions for
High-Risk Industries

While we serve all California employers, we have built deep expertise and specialized programs for the industries where the challenges are most complex.

Construction

Contractors, GCs & specialty trades

View Specialized Program →

Staffing Agencies

Multi-industry California staffing

View Specialized Program →

Security Services

Guard companies & event security

View Specialized Program →

Trucking & Logistics

Fleet operators & last-mile delivery

View Specialized Program →

Any Employer. Any Size. Any Industry.

If you have employees in California, we have a strategy for you. Let's start with a conversation — no pressure, no pitch.

Specialized Program — Construction

Workers' Comp for
Contractors

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.

COI
Client-Ready CertificatesWCIRB-compliant COIs that meet GC and project owner requirements every time
MOD
MOD Rate ReductionStrategic claims management to lower your experience modification over time
$0
Benefits for CrewsSupplemental benefits that attract skilled tradespeople at zero employer cost
The Challenge

Why Construction Employers
Need a Better Strategy

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.

  • High-risk job classifications driving up premium rates
  • Client and GC contracts requiring specific COI language
  • Payroll fluctuations creating unpredictable insurance costs
  • Claims affecting experience modification (MOD) ratings
  • Difficulty scaling due to carrier restrictions
  • Compliance issues with subcontractor workforce
Our Solutions

How We Help

Workers' Comp Program Design

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.

COI Compliance & Management

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 / EOR for Subcontractors

PEO and EOR structures can dramatically simplify compliance and reduce risk exposure for employers using subcontractors or temp labor.

Benefits for Crews

Attract and retain skilled tradespeople with supplemental benefits and life insurance options that cost little to nothing in employer overhead.

Let's Review Your Construction Workers' Comp

A no-cost review of your current structure, MOD rating, and COI compliance — with a clear plan to reduce cost.

Specialized Program — Staffing

Workers' Comp for
Staffing Agencies

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.

COI
No More RejectionsCOI management so your certificates meet every client's exact requirements
PEO
Alternative Structures AvailableWhen traditional WC becomes restrictive, we open other doors
$0
Benefits for Placed WorkersStand out from competing agencies with benefits at zero employer cost
The Challenge

Why Staffing Agencies
Need a Specialist

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.

  • Carriers declining coverage or restricting renewal
  • COI pushback from enterprise clients
  • Payroll fluctuations causing unpredictable premiums
  • Multiple job classifications across placements
  • Claims affecting MOD and driving up annual rates
  • WCIRB compliance requirements
  • Difficulty scaling to new industries or clients
Our Solutions

Staffing-Specific
Solutions

Carrier-Agnostic Program Design

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.

WCIRB-Compliant COI Management

We ensure your Certificates of Insurance meet every client's specific requirements so you stop losing contracts over COI rejections.

PEO / EOR Structures

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.

Benefits for Placed Workers

Stand out from competing agencies by offering supplemental benefits, dental, vision, and life insurance to your placed employees — often at zero employer cost.

Ready to Stabilize Your Staffing Agency's Workers' Comp?

A no-cost review of your Workers' Comp structure, COI compliance, and scalability — with a clear action plan.

Specialized Program — Security

Employer Services for
Security Companies

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.

MOD
Cost StabilizationClassification and claims strategy to stabilize your annual premium
COI
Multi-Account COICertificates that meet each client account's specific requirements
PEO
Retention Through BenefitsVoluntary benefits that help you keep reliable officers longer
The Challenge

The Risk Profile of
Security Employers

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.

  • High-risk job classifications inflating premium rates
  • Client contract COI requirements varying by account
  • High employee turnover creating payroll fluctuation
  • Claims frequency affecting MOD and renewal pricing
  • Difficulty retaining quality officers without competitive benefits
  • California labor and licensing compliance requirements
Our Solutions

Built for
Security Firms

Workers' Comp Cost Control

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.

Multi-Account COI Compliance

COI management so your certificates always meet the specific requirements of each client account — no more contract delays over coverage issues.

PEO as a Growth Tool

For security companies with rapid headcount growth, PEO structures can reduce Workers' Comp friction and open access to benefits that improve officer retention.

Retention Through Benefits

Supplemental benefits, life insurance, and voluntary benefits give you a competitive edge in attracting and retaining reliable security personnel — often at zero employer cost.

Let's Review Your Security Company's Coverage

A no-cost discovery call to evaluate your Workers' Comp structure, COI compliance, and employee benefits strategy.

Specialized Program — Trucking & Logistics

Workers' Comp for
Trucking & Logistics

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.

PAYG
Pay-As-You-Go WCEliminate audit surprises — premiums scale with your payroll automatically
PEO
Fleet-Scale StructuresPEO options for growing fleets that reduce WC friction and admin burden
$0
Driver Retention BenefitsIncome protection and life insurance to keep your best drivers on the road
The Challenge

What Trucking Employers
Deal With

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.

  • High-risk driver and warehouse job classifications
  • Significant claims frequency and severity
  • Payroll fluctuations during peak and off seasons
  • Owner-operator vs. employee classification challenges
  • DOT and California compliance requirements
  • Difficulty securing coverage as fleet grows
  • Rising MOD rates limiting carrier options
Our Solutions

Strategies for
Logistics Operators

Custom Workers' Comp Programs

We design programs for logistics operations — accounting for driver classifications, warehouse workers, and owner-operators — to minimize premium and maximize compliance.

Pay-As-You-Go Programs

Eliminate audit surprises and improve cash flow with payroll-integrated Workers' Comp that scales automatically with your headcount and seasonal fluctuations.

PEO for Growing Fleets

As your fleet and headcount scale, PEO structures provide access to better Workers' Comp rates, HR administration, and compliance support — without adding internal overhead.

Driver Benefits & Retention

In a tight driver market, competitive benefits are a retention tool. Supplemental income protection, life insurance, and more — keep your drivers loyal.

Let's Optimize Your Trucking Company's Workers' Comp

A no-cost review of your current structure, classifications, and cost drivers — with a clear plan to reduce spend and improve compliance.

Insurance Services

Property &
Casualty

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.

WC
Workers' CompensationTraditional, pay-as-you-go, and deductible programs designed around your payroll
GL
General LiabilityCoverage matched to your real industry exposure — not a one-size policy
360°
All Commercial InsurancesCommercial Auto, property, umbrella, cyber, and professional — under one roof

WHY THIS MATTERS

Video Coming Soon

Chris · Workers' Comp & Commercial Insurance ~2 min
A Real Conversation

Workers' Comp Is a Strategic Decision.

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.

What We Cover

Coverage Built
Around Your Business

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.

  • Workers' Compensation — traditional, pay-as-you-go, deductible
  • General Liability tailored to your industry exposure
  • Commercial Auto for vehicles, fleets, and drivers
  • Property, umbrella, cyber, and professional liability
  • WCIRB-compliant Certificates of Insurance
  • Claims management & risk mitigation strategy
  • Audit prep and Experience Modification (MOD) planning
How We Help

More Than a Policy.

Strategic Program Design

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.

COI & Contract Compliance

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.

Claims Management & MOD Strategy

Active claims management, audit support, and MOD improvement planning — protecting your premiums year over year.

One Brokerage. All Lines.

Workers' Comp, General Liability, Commercial Auto, property, umbrella, cyber, professional — handled by one team that knows your business.

Get an Insurance Review

A no-cost review of your current Workers' Comp, GL, and commercial insurance structure — with a clear plan to reduce cost and close gaps.

Employee Benefits

Health, Life,
& Retention.

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.

Rx
Health InsuranceGroup medical strategies that fit your team and your budget
$0
Many at Zero CostSupplemental benefits often available at no employer cost
401k
Retirement PlanningSIMPLE IRA, SEP IRA, and 401(k) for owners and employees

THE BENEFITS DIFFERENCE

Video Coming Soon

Alejandra · Health & Life Division ~2 min
Health & Life Division

Benefits Are Your Competitive Edge.

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.

What's Included

Full Benefits
Across Every Need

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.

  • Health insurance — group medical for your team
  • Supplemental: accident, cancer, critical illness
  • Dental, vision, and hearing
  • Group life insurance and short/long-term disability
  • Individual life and income protection
  • Retirement planning: SIMPLE IRA, SEP IRA, 401(k)
  • Executive life insurance and key person protection
  • Onsite and virtual enrollment & employee education
How We Help

A Strategy, Not a Catalog.

Strategy First

We start by understanding your team, your budget, and your retention goals — then design the right mix across health, supplemental, life, disability, and retirement.

Often Zero Employer Cost

Many supplemental and voluntary benefits can be offered at no employer cost — giving your team real value without adding to your overhead.

Enrollment & Education

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.

Owner & Executive Protection

Executive life insurance, key person protection, and tailored retirement planning for owners and leadership — protecting both the business and the people running it.

Build a Benefits Strategy

A no-cost strategy session — we evaluate your current benefits (or lack of them), identify gaps, and show you exactly what's possible at every budget.

Get In Touch

Start With a
Strategy Session

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.

1
Conversation to StartNo lengthy forms or intake processes — just a direct conversation about your business
24h
Response TimeWe respond to all inquiries within one business day
$0
No Cost to ExploreThe strategy session costs you nothing — the insights are yours to keep regardless
What to Expect

A Consultation That
Delivers Value

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.

Phone

(909) 987-4520
Schedule by phone or leave a message — we'll call back within one business day.

Email

cblom@sixthman-es.com
We respond to all inquiries within one business day.

Schedule Online

Complete the form to your right and one of our licensed agents will reach out to you within hours.

Request a Consultation