Stanley Goessl was a plumber doing business as a sole proprietor under the fictitious name s&K Plumbing. Goessl entered into a long-term business relationship with aP Daino and Plumbing inc. as a subcontractor. Goessl established his own hourly rate for projects and invoiced aP Daino on behalf of s&K Plumbing. Goessl also carried his own liability insurance, as requested by aP Daino. During one project, while Goessl was plumbing work for aP Daino, a fire broke out and damaged the premises. aP Daino’s insurer refused coverage, stating that Goessl was not an employee of aP Daino. whereas Goessl’s insurer argued that it was not liable, because Goessl was working the project as an employee of aP Daino. was Goessl an employee of aP Daino?