What is the major distinction between an employee and an independent contractor?

Group of answer choices

a. An independent contractor is required to be bonded and to carry insurance.

b. The employer has the right to tell an employee how to do the job, while an independent contractor has exclusive control over the way the job is done.

c. Independent contractors are hired under individual contracts, while employees must be hired under collective bargaining agreements.

d. An independent contractor is always a fiduciary.