There are reasons why gyms and coaches prefer an independent entrepreneur relationship to an employer-employee relationship. From the gym`s point of view, working with an independent contractor instead of an employee can protect the gym from legal liability in the event of an accident. Lump Sum/Instalment Fee Group Agreement and Contract Application York New Group Business Occurs on the day this Group Manufacturer Agreement („Agreement“) between the New York Life Insurance Company (the „Company“) comes into effect. The decision best applies to the sectors in which workers are hired as contractors, understanding that the contractor can use the tools and equipment of an undertaking for its own activities. Shops likely to be at risk include gyms, car garages, manufacturing workshops, laboratories or other companies with specialized (and often prohibitive) facilities and equipment. . . .