Perception does not make right.
The employer is taking the risks? How much is risk worth, and who decided it? Let's be realistic - how many employees of contractors have done something that caused the employer to lose everything, or go to jail? I don't believe in absolutes, but I'll bet the answer is none. When tragedy strikes, the employer is the first to cite "supervisory oversight" or "clerical error," and throw the employee under the bus.
The employer isn't taking anywhere near the risk the insurer is. And how many employer's insurers realize that while the license dictates the employees are under the license holder's DIRECT supervision, in reality the license holder doesn't even know where the jobs are?
It's a 2-way street. Neither can do without the other. I say, majority rule, but that touches on a taboo subject so we won't go there.