The U.S. Court of Appeals for the Eleventh Circuit has again reminded employers that independent contractor classifications will be evaluated based on the  economic realities  of the working relationship, rather than solely on the terms of the contract. In Galarza v. One Call Claims, LLC , No. 23-13205 (11th Cir. Oct. 16, 2025) , the court reversed summary judgment for two insurance companies, finding that a jury could reasonably conclude three insurance adjusters were employ