The Web Corner – Carrying Liability Insurance

Carrying liability insurance is yet another important part of maintaining a legitimate, caring, responsible business. I’ve come to realize that in the web business many businesses operate without insurance. When something goes wrong, they just change the business name and open as another name.

Businesses operating in this fashion create problems for their potential clients. First and foremost is that should something happen that triggers the need for insurance, the client is stuck totally. The client in such a case may have no recourse or might not even be able to recover damages.

Folks who operate their “businesses” this way are fundamentally dishonest fly-by-nights. It’s easy enough to ask a web developer who handles their insurance needs and a quick check with their agent can verify that.

Avoiding dealing with a dishonest vendor can save you a ton of headaches in the long run.

On the other hand, good, honest businesses are always thinking in terms of the long run. They are thinking in terms of developing healthy business relationships with their clients. Part of that is staying in business so they can continue to provide services to their clients.

Finally, looking at all the items on the checklist we’ve provided in our Web Developer’s Checklist post will ensure you have the best possible shot at a positive experience having your website developed.

The Web Corner – Carries Workers’ Compensation on employees?

The potential for people being injured exists everywhere. If someone gets hurt due to their job, Workers’ Compensation provides coverage. Costs of medical care, rehabilitation treatments and lost wages are covered by this insurance if the injury is due to employment.

People do not understand the ramifications of dealing with a company that does NOT carry Workers’ Compensation on its employees. For example, web developers in business “under the table” would NOT be insured. In most states an “uninsured contractor” or “subcontractor” gets treated as YOUR employee if injured while doing work for you. Think about when they show up at your business for planning, discussing, photographing or whatever for the web project. Should anything happen to them, YOU may be on the hook for way more than you bargained for.

In addition to helping and protecting employees, Workers’ Compensation for our employees offers special protection to our business. It helps protect us and ensures we stay in business to continue to serve our clients over the long haul. Without it, a single mishap could put small web companies out of business.

Workers’ Compensation is yet another piece of being a legitimate, honestly run business protecting its clients as well as its employees and itself.

The Web Corner – Have several or more people?

We started in 1998 as a one man show – just Charles. After some years it became apparent Charles would not be able to keep up with the workload Charles was generating.

A choice had to be made. Charles alone didn’t get some projects because the question often came up: “What happens if Charles is on vacation? Sick? Etc.?”

The only path to growth was building a team. So that’s what we did. We became a team of 8-10 people at any time. We have the owner at this since 1998, the next in charge at it since 2005 and so on. The team grew. We were able to cover all aspects of web development. Team members go on vacation, are out sick, or whatever – but work continues to get done.

We’ve encountered many clients who previously dealt with “one person shows”. These clients spent much time frustrated and having to wait for important web changes to be done until that individual could get to it. With a team everything gets done quickly by whichever technician is available.

Think in terms of having a team behind you. When you need your work done you need it done. Period.

This is what our clients needed and we evolved to meet our clients’ needs.