Independent Contractor - An independent contractor is someone who:
1. Makes comparable services available to the general public on a regular and consistent basis and represents himself as an independent contractor with respect to such services.
2. The individual has performed, or is available to perform, services for more than one recipient at the same time.
3. The Insured does not have the right (and does not attempt) to control the manner or means of the individual’s performance of such services.
4. The independent contractor controls the means of performing the services, including setting the sequence and hours of work.
5. The individual operates under contracts (verbal or written) to perform specific services for specific amounts of money.
6. The individual may realize a profit or suffer a loss under contracts to perform work or services.
7. The individual is responsible for the satisfactory completion of the work that the individual contracts to perform and is liable for a failure to complete the work.
8. The individual incurs significant non reimbursed capital expenses (not typically incurred by employees) in carrying on the business activity in which such services are performed.
To summarize, an independent contractor is a person who is hired on a case-by-case basis, is not generally directly controlled or supervised by the insured and provides their own resources to complete their work.