Human Resources: Employee or Independent Contractor? What You Risk If You Get it Wrong--and How to Get it Right June 2008 Every homeowners association faces two related challenges--keeping costs down and properly classifying its workers as either employees or independent contractors. Problems can arise when you misclassify workers as independent contractors in an attempt to avoid paying salaries and the other expenses that come with employees, such as payroll taxes, insurance premiums, and benefits. . . . keep reading