OK, but the idea is the same. You could have the big corporation pay the employed person X and the car insurance company Y. Or you could have the big company pay the self-employed person X+Y, and self-employed person pays the car insurance company Y.

If the big company is not willing to pay X+Y to the self-employed guy, they won't be willing to spend X+Y on an employee.

The only difference is if the big company can get better rates on the relevant goods than a self-employed guy.