A regulator, an insurer, and an employer can look at the same psychosocial incident and reach three different conclusions about what went wrong and who’s exposed. This panel puts those three perspectives in the same room to unpack where their readings of risk diverge – and why that gap is where well-intentioned psychosocial programs still end up in disputed claims or regulatory scrutiny. Leave with a clearer sense of how to build a program that holds up under all three lenses, not just the one you’re most familiar with.