Employees Vs 10-99s - Which One Is It?

Having talked to 1000s of businesses by now I've heard a endless variety of questions that range from asking how much premium is due next month to if they decided to start selling damaged heart pumps, would it be covered on their records store's policy. Was not exactly easy to keep my professionalism in that situation, I mean come on! Back to the point of this write up, the most common questions I get, undeniably, is how to classify a worker as an employee or a 1099 subcontractor.