Simplifying workers’ compensation makes for an easier retirement Twenty-five years ago, Ynacio Ramirez took over a struggling party rental company from his brother-in-law and turned it into a thriving business. Today, Coast Party Rentals provides stages, dance floors, canopies, tables and lighting to clients of all sizes, and Ramirez looks forward to leaving the business to his two adult sons. Workers’ compensation was a problem Workers’ compensation insurance is a big problem in our industry. We’ve been in business 30 years, and we’ve never had anyone get seriously injured. But we’re grouped with national companies that have hundreds of injuries a year, so we pay the same premiums that they do. Most insurance companies just project what you’re going to owe every year. Then, when

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