Lite Speed Insurance

Lite Speed Insurance At Lite Speed Insurance, we’re not just safeguarding structures; we’re fortifying future ventures across Florida.

🔹 Protecting Contractors, Simplifying Insurance 🔹
💼 General Liability | Workers' Comp & More
⚡ Instant Quotes | Instant COIs | Zero Hassle

https://linktr.ee/litespeedinsurance With a keen eye for risk mitigation and a dedication to excellence, our team stands as your unwavering partner in the construction realm.

08/31/2026

Most painting contractors think workers’ comp just comes with the territory: a big deposit upfront, an audit you’re stuck dealing with, and certificates that never seem to show up when you actually need them.

But it doesn’t have to work that way.

Your workers’ comp can move with your payroll, instead of forcing you to put a ton of cash down upfront. And you don’t have to figure out the audit process on your own.

If you’re a painting contractor and you’re wondering whether your current setup actually makes sense, comment PAINTER.

08/26/2026

South Florida roofers: Why pay a $350 weekly minimum if your crew could qualify closer to $76.90?

For a small 2-person crew, that difference adds up fast. Not every agency understands roofing Workers’ Comp the same way. At Lite Speed, we do.

Before you overpay, compare your options with a roofing specialist.

👇 Comment “$76.90” below for your free quote today.

Be intelligent. Be Lite Speed Intelligent.

08/19/2026

Canceling workers’ comp may save you money today, but one uninsured accident could put years of work at risk. ⚠️

High weekly premiums can be tough, especially during slower periods. But canceling coverage completely can leave both your crew and your business exposed.

At Lite Speed Insurance, we help roofing contractors explore smarter options that may better fit how they actually operate, including lower weekly payment structures and blanket coverage when appropriate. 🛠️

Protect your crew. Protect what you’ve built.

Think you’re overpaying for workers’ comp? 👀 Tap the link in our bio to request a quote or review your current coverage.

07/01/2026

La mayoría de los contratistas no se entera de esta regla hasta que ya perdieron el pago.

En Florida, si tu certificado de seguro no está vigente o no cumple lo que pide el contrato, el pago puede quedar detenido. No es un castigo, es simplemente cómo funciona el proceso. Lo que muchos no saben: conseguir ese certificado no tiene que tomar días.

En Lite Speed cotizamos en minutos y podemos enviarte el certificado el mismo día, para que tu papeleo no sea lo que frene tu dinero.

Antes de tu próximo proyecto, revisa que tu seguro esté al día.

👉 Toca el link en la bio y hazlo ahora.
Be Intelligent. Be Lite Speed Intelligent.

06/12/2026

$178 vs. $44,000. 💸
That’s the math most contractors don’t run until it’s too late.

Workers’ Comp for a Florida contractor at Lite Speed starts at around $178/month. A single workplace injury claim, one slip, one fall, one ladder gone wrong, can run upward of $44,000 out of pocket between medical, wages, and potential legal costs. ⚠️

You don’t need a pitch. You need the number.

We work with FL contractors to review payroll, classification, and coverage structure, then give you the actual quote for your trade. No upsell. No fine-print gymnastics. Just the math. 🧾

👉 Tap the link in bio to get your quote.
Be Intelligent. Be Lite Speed Intelligent. ⚡️

You finished the job, got paid… and then the audit letter showed up. 🧾 Turns out one of your subs didn’t have active cov...
06/03/2026

You finished the job, got paid… and then the audit letter showed up. 🧾 Turns out one of your subs didn’t have active coverage, your payroll class was off, and your COI was months out of date.

Now you’re looking at a five-figure bill for exposure you didn’t even know you had. ⚠️ This happens to contractors every year, not because they’re careless, but because compliance isn’t something you check once and forget.

Missing COIs. Uninsured subs. Payroll gaps. Undocumented changes. They stay quiet… until they don’t.

You can’t control audits, but you can control your documentation. Click the link in our bio and let’s make sure you’re not the next surprise.

Be Intelligent. Be Lite Speed Intelligent.

You finished the job. They won’t release the check. ⚠️The issue isn’t the punch list, it’s your COI.In construction, one...
05/27/2026

You finished the job. They won’t release the check. ⚠️The issue isn’t the punch list, it’s your COI.

In construction, one document can hold up payment: your Certificate of Insurance. And it has to match the contract exactly.

A GC may require:

✅ Additional insured
✅ Waiver of subrogation
✅ Primary & non-contributory wording
✅ Minimum limits that match the contract

Send a generic COI, and payment can freeze, while crews, bills, and deadlines keep moving. 💸

That’s where Risk Intelligence comes in. At Lite Speed, we help Florida contractors review endorsements, limits, and wording before the COI is issued. 📄

Your money should move on time, not get stuck in paperwork.

👉 Tap the link in bio for a coverage structure review.

Be Intelligent. Be Lite Speed Intelligent

05/22/2026

A 1099 sub without proof of insurance + missing documentation at audit time = monthly payments that climbed to ~$66,000 for one Florida contractor.

"I thought I'd have to close my business. Lite Speed helped me talk to the insurance company and lowered the payments. They're always emailing, calling, following up. I am really happy." Yariza Pelaez, owner, BNG Construction Services LLC

Audits are financial reconciliations and uninsured subs or missing paperwork can lead to unexpected exposure. If you carry 1099 subs in Florida, walk through your coverage with our team before the audit, not after.

👉 Tap the link in bio. Be Intelligent. Be Lite Speed Intelligent.

05/14/2026

The biggest insurance mistake contractors make? Buying first, checking later. 🚧

Three things worth reviewing before you bind:

1. Your contract requirements 📄A policy that doesn’t meet them can delay the job or hold up payment.
2. Your payroll and subcontractor numbers 👷‍♂️Rough estimates can lead to overpaying, or an unexpected bill at audit.
3. Who you’re buying from 🛡️Construction risk isn’t general business risk.

We work with contractors to review coverage structure before it’s locked in. ⚡

Comment REVIEW before you bind coverage.

Your insurance policy can be active and still leave you exposed. ⚠️That’s the part most contractors don’t find out until...
05/08/2026

Your insurance policy can be active and still leave you exposed. ⚠️

That’s the part most contractors don’t find out until there’s an injury, a lawsuit, or a subcontractor who was never properly covered in the first place.

One missing COI. One weak limit. One exclusion nobody explained.One payroll classification that doesn’t match the work.

And suddenly, the policy you thought was protecting you becomes a document full of fine print after the damage is already done. 📄

Insurance is not just a requirement for the next job. It’s the structure behind your risk. 🏗️ If this feels a little too familiar, don’t ignore it.

Go to the link in bio and book a coverage review with us!

Be Intelligent. Be Lite Speed Intelligent. ⚡

Address

4475 US Highway 1 S UNIT # 301 ST AUGUSTINE
Saint Augustine, FL
32086

Opening Hours

Monday 8am - 6pm
Tuesday 8am - 6pm
Wednesday 8am - 6pm
Thursday 8am - 6pm
Friday 8am - 6pm
Saturday 10am - 3pm

Telephone

+19547108121

Website

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