About a half-hour after he had finished his last service call for the day, Frank was on his way home when he hit a deer. Frank was still in his company uniform (with company logo), driving his own personal truck with a company decal stuck to both sides. He has liability-only insurance on his vehicle and no personal-injury insurance as he works in a low-risk occupation. This is a two-part question: First, what liability does the company have for Frank’s injuries if he is a full-time, hourly employee? Second, what liability does the company have for Frank’s injuries if he is an independent contractor? How else are these employment relationships different? Be specific and try to name as many reasons as you can.