Which type of employee would not typically be covered under personal liability insurance?

Personal liability insurance primarily covers damages or injuries that the insured may be legally responsible for, typically in connection with their residence or personal activities. In many cases, this type of insurance is designed to cover residents and their employees who are directly employed by them.

An independent contractor does not fall under this typical coverage because they are generally self-employed and engaged in work for others under a specific contract. They operate independently and are responsible for their own insurance. Since personal liability insurance focuses on the liability arising from employees working directly under the insured's direction for household-related tasks, independent contractors are excluded from these protections.

On the other hand, individuals like residence employees, full-time domestic workers, and seasonal employees are typically covered because they are deemed as direct employees of the insured household and perform duties such as housekeeping or maintenance that could potentially lead to third-party claims against the household.

Therefore, independent contractors do not enjoy the same coverage under personal liability insurance as the other mentioned employee types, making them the correct answer in this context.