If you’ve ever used the phrase “1099 employee,” this episode is for you. In Episode 9 of The PEO Playbook, Chad Philly breaks down the real differences between independent contractors and W-2 employees—and what happens when business owners get it wrong. Learn about behavioral and financial control, relationship-based tests, and the legal consequences of misclassification. This episode walks you through how to avoid tax penalties, workers' comp exposure, and lawsuits—before it’s too late.Visit PEOPlaybook.com to protect your business.

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