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.

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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.

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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.

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The Web Corner – The “Send me Bitcoin” Scam Continues

We had intended to continue weekly with our web developer checklist. However, this week we’re presenting this post because so many people are receiving these bogus scam messages trying to trick them into paying an extortion.

This scam we mentioned quite a while ago. It has continued to pick up steam – plowing its way through every part of the Internet. It IS a SCAM. Do NOT pay it. We’ve had numerous people contact us that they are receiving such messages.

Here is is below in English and Chinese:

ENGLISH

Hello there!

You may have noticed that I sent an email from your account.
This means I have full access to your device.

I have been watching it for a few months.
The truth is that you are infected with malware through an adult website you have visited.

If you are not familiar with this, I will explain.
I created high quality spyware. It allows me to gain full access and control over your device.
This means I can see everything on the screen, turn on the camera and microphone, but you don’t know.

I can also access all your contacts and all communications.

Why is your antivirus software not detecting malware?
Answer: My malware uses the driver, I update the signature every 4 hours so that your anti-virus software is silent.

I made a video showing how you can satisfy yourself in the left half of the screen, and in the right half you will see the video you watched.
One Key! All of your contacts in email and social networks will receive this video! Your life will change forever!
I can also post access to all email communications and messengers you use.

If you want to stop this ʌ
Transfer the $362 amount to my bitcoin address (if you don’t know how to do this, please write to Google: “Buy Bitcoin”).

My bitcoin address (BTC wallet) is: *********************************

After receiving the payment, I will delete the video and you will never hear my voice again.
I will give you 50 hours (more than 2 days) to pay.
I received a notification from this letter and the timer will work when you see the letter.

It doesn’t make sense to file a complaint somewhere because it can’t be tracked like my Bitcoin address.
I have not made any mistakes.

If I find that you shared this message with others, the video will be distributed immediately.

Good luck, goodbye!

CHINESE

你好!

您可能已经注意到,我从您的帐户发送了一封电子邮件。
这意味着我可以完全访问您的设备。

我已经看了好几个月了。
事实是,您通过您访问过的成人网站感染了恶意软件。

如果您对此不熟悉,我会解释。
我创建了高质量的间谍软件。 它允许我获得对您设备的完全访问权限和控制权。
这意味着我可以在屏幕上看到所有内容,打开相机和麦克风,但您不知道。

我也可以访问您的所有联系人和所有通信。

为什么您的防病毒软件没有检测到恶意软件?
回答::我的恶意软件使用驱动程序,我每4小时更新一次签名,以便您的防病毒软件无声。

我制作了一个视频,展示了你如何在屏幕的左半部分让自己满意,在右半部分,你会看到你观看的视频。
一键! 您在电子邮件和社交网络中的所有联系人都将收到此视频! 你的生活将永远改变!
我还可以发布您使用的所有电子邮件通信和信使的访问权限。

如果你想阻止这个ʌ
将362美元的金额转入我的比特币地址(如果您不知道如何做到这一点,请写信给Google:“购买比特币”)。

我的比特币地址(BTC钱包)是:**********************************

收到付款后,我将删除该视频,您将永远不会再听到我的声音。
我给你50个小时(超过2天)付款。
我收到了这封信的通知,当你看到这封信时,计时器会起作用。

在某处提交投诉没有意义,因为无法像我的比特币地址那样跟踪此电子邮件。
我没有犯任何错误。

如果我发现您与其他人分享了此消息,则视频将立即分发。

祝你好运,再见!

AND IT IS IN MANY OTHER LANGUAGES AS WELL!

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The Web Corner – Been in business for 10+ years?

The Small Business Association said in March 2019 roughly 30% of businesses failed during their first two years of opening. At the five year mark about 50% failed. At ten years around 70% had failed.

Remember this is ALL businesses – not just web businesses. I’ve seen many go under in the years since 1998 when I started in this business. Usually that news comes from our new web clients – who don’t even know what happened to their past developers – they just became unreachable or unresponsive.

Obviously there is no sure thing – no guarantee – that any business is always going to be there. That being said, there are many things that measure the likelihood of success. Look at factors like five to nine employees versus few or none. Look at employee longevity. Look at how they get their business – through referrals versus constant advertising. Look at whether they have a handful of web clients versus many.

Don’t risk having someone handle your web presence who won’t be there for the duration. Common sense dictates that a company that’s been around over ten years with a team that does most of its business through referrals for many, many clients is going to be way more reliable for you in the long term.

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The Web Corner – Are they a Registered business?

Our exposure to thousands of web clients has shown us many folks who’ve been exposed to scam artists, fly by nights, and outright crooks over the years. We’ve had clients that had paid money down to previous developers with no work done whatsoever.

Luckily, most legitimate reliable web development businesses have ethics. Part of building confidence in one’s client base is doing what is necessary to be a legitimate business. Fly-by-nights don’t bother with registering their business or any of the other numerous details of doing business that being a legitimate business entails.

It’s very simple to check to see if a business is legitimate – i.e., registered. Here are links to websites where one can check out businesses in several states in and around New England: NH MA ME VT

Doing a little research like this can save you a ton of headaches later. Dealing with a business that is willing to do the initial work of operating legitimately greatly increases the odds they are going to be reliable and honest in their dealings with you.

While there’s never a total guarantee, coupling this with other items in our checklist helps narrow the field to give you the best odds of developing a good business relationship.

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