all depends on the standard of code used, someone [a programmer] would need to look at that before they could give you any further advice.
individual vs company, individual probably cheaper, company probably more expensive but probably more professional and as you mention if one gets run over by a bus then then another takes their seat.
MVC is the current buzz in web application architectures. It comes from event-driven desktop application design and doesn't fit into web application design very well. But luckily nobody really knows what MVC means, so we can call our presentation layer separation mechanism MVC and move on. (Rasmus Lerdorf)