Most agency owners think they’re protected — until a claim, audit, or compliance issue proves otherwise. Here’s what we’re seeing every week  👇 1️⃣ Workers’ Comp Costs Out of Control One injury can send your X-Mod — and your premiums — through the roof. 2️⃣ 1099 Caregivers = Hidden Risk Misclassification can mean back premiums, penalties, and denied claims. 3️⃣ Liability Gaps Everywhere A patient fall, a medication error, or bad documentation — and your policy might not resp