In certain situations, employers that wish to avoid the hassle and expense of bringing on additional employees will simply enter into ?independent contractor? agreements with individuals and have them perform the services desired. But does the parties agreement that their relationship will be considered an independent contractor relationship make it so? More often than not, the answer is ?no? leading to potentially crippling liability for the owner of the agency. This was recently discovered by Bankers Life & Casualty Company in a class action lawsuit filed against it by one of its ?independent contractors.?