Maria is creating a new business and she's worried about her workers committing torts while on the job. Because of this, she is debating between independent contractors and employees. You tell her that

a. employees are less risky because you can control their wages.
b. independent contractors have no obligation to work because she won't control their hours.
c. vicarious liability always applies to both, so it doesn't matter.
d. she shouldn't get insurance because if she doesn't she may not have to compensate the wronged person completely.
e. the safest thing to do is to get liability insurance and contract independent workers.