Self-Serve tier

Classify a snow plow driver as W-2 employee vs 1099 independent contractor. Applies IRS three-factor common-law test (Rev. Rul. 87-41 20-factor legacy + 2024 final independent-contractor rule), CA Lab Code §2775 ABC test (Dynamex / AB5), federal-vs-state divergence, NY Freelance

Determine whether a snow-removal contractor's CGL responds to a third-party injury or property-damage claim. Embedded analysis of ISO CG 21 67 (Snow Plow Operations exclusion), ISO CG 22 91 (Snow Removal Operations exclusion), buy-back endorsements, additional-insured ISO CG 20 1

Determine state and federal restrictions on deicer (sodium chloride, magnesium chloride, calcium chloride, potassium acetate, urea, beet juice blends) application by snow contractors. Embedded EPA Clean Water Act overlay, FHWA / SHRP-2 guidance, NPDES permit triggers, state DOT s

Determine snow-removal contractor and premises-owner liability for natural-accumulation snow/ice claims by state. Embedded state map (IL Natural Accumulation Rule, OH Brinkman/Lopatkovich open-and-obvious, NY ongoing-storm doctrine, MA reasonable-care post-Papadopoulos, MI no-dut

Apply OSHA cold-stress recognition framework for snow-removal employees. No specific OSHA cold standard exists — exposure governed by General Duty Clause (29 USC §654(a)(1)) + 29 CFR 1910.132 PPE + 1910.151 first aid. Embedded NIOSH Cold Stress thresholds, ACGIH TLV WBGT analog,

Build or screen a slip-and-fall prima facie case against a property owner or snow-removal contractor. Walks duty-breach-causation-damages, applies notice (actual/constructive), open-and-obvious doctrine (Kentucky-Fried Chicken v. Superior Court, MI Hoffner special aspects, Klopp

Determine state-license, municipal-permit, and bond requirements for a snow-removal contractor. Most states do NOT require a state contractor license for snow plowing alone, but many municipalities (especially in NJ, NY, CT, MA) require local registration, bond, and certificate o

Determine whether a snow plow truck driver requires a Commercial Driver's License (CDL) or non-CDL license. Embedded 49 CFR 383 / 49 CFR 390 thresholds (26,001 lb GVWR / GCWR), MCSA-5876 medical exam requirement, state agricultural / municipal / emergency exceptions, and FMCSA Ho