PetCareDomain.com

I asked this in another section and got no response so I’ll give it a try in Dogs

If an individual is employed by a small pet care business, like a grooming salon, but is paid under the table, can that individual be covered by the business owner’s liability insurance?

My gut tells me that the answer is no. However, I’ve always worked independently so I never had to deal with insurance issues in regards to employees. My knowledge on the subject isn’t complex.

For example, if the "off the books" employee accidentally caused injury to one of the animals being groomed, would the business owner be held responsible or the employee? Alternatively, if the employee is injured on the job, does the employee have any recourse?
Save me the racism and the moral analysis