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Yes, most states require that snow removal companies be insured under workers' compensation. This protects the employees financially if an injury were to happen (and when dealing with ice and snow, it’s possible that injury could occur). In addition, most states require snow removal companies to be covered under general liability, which would help cover the cost of any property damage incurred during the removal process.

Natural ice melts can often get the job done without damaging concrete. You can try non-corrosive options such as kitty litter, alfalfa meal, coffee grounds, sugar beet juice, and heated snow-melting mats. While they may cause some staining, these natural melts are safe for concrete, pets, and the environment.

The best snow removal tools include a snowblower or a plastic shovel since they're less likely to damage your driveway's surface. Metal shovels can crack asphalt and concrete. It's also a good idea to install driveway markers since they can make it much easier for you to identify where you should shovel without damaging the surrounding yard. 

While removing every snowflake from your roof is unnecessary, you should remove a significant buildup of snow. Since snow is wet and heavy, it can easily cause damage to your roof, which can lead to needing costly repairs. 

Additionally, when the snow melts but has nowhere to go and refreezes, it can create an ice dam, causing mold concerns due to water leaking into your attic and ceiling. For these reasons, it’s best to hire a snow removal professional to clear heavy snowfall from your roof as soon as possible.