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You can create rule based on User-Type. Assign this rule to a role and write access policy by attaching role and resource.
Lets say the rule name for User Type = Employee is rule1. Attach this rule to role1. When you create access policy, select resource XYZ and role1.
check this http://docs.oracle.com/cd/E27559_01/admin.1112/e27149/accesspolicies.htm#CJAJFAFG
I was talking about workflow scenario and approval policy.
User-Type = employee will get Resource " XYZ " through access-policy (Auto provision )
User-Type = Contactor has to raise request for the same resource "XYZ" so when system admin will approve his request he will get provision to resource "XYZ".