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I was checking a few things about who is covered by workers' comp in New York. I noticed pretty fast that the records and work setup can matter a lot. The whole thing felt less messy when I started keeping the different classification issues separate. The details matter because a family worker can raise a different question from an independent contractor. For that part, one page I saved was: https://workerscovered.com/. It was useful because it kept the issue separate. I used it as a simple explanation, not the final answer because who controlled the work can matter. I found it easiest to look first at how the person worked. That made it easier to compare the different worker types.