My understanding is that the end user is not the subject in a commercial contract. The licensing entity (the business) is the end user and as a result, if they accept the terms, which them apply to all employees, it's irrelevant whether the consumer terms apply to the employees' individual cases or not because they're no the licensee/subject.

Again, this is how things generally work in commercial contracts outside of GDPR (including Safe Harbor and EU/95/46 before it), and I don't see why this would be different.