Lite Speed Insurance

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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.

10/06/2026

Look what happened to one of our roofing clients in Florida.

Everything looked fine until one of the guys on the crew got hurt. That’s when they found out the coverage they thought was in place wasn’t as solid as they believed.

What looked like a routine project suddenly became a much bigger problem: medical exposure, legal questions, paperwork, and the possibility of a six-figure loss landing directly on the business.

That’s the dangerous part. Most contractors don’t discover the gap when they’re reviewing paperwork. They discover it after someone falls.

Before your next crew steps onto a roof, make sure you actually know who’s covered, who isn’t, and where the liability could come back to you.

Think your crew is fully covered? Don’t assume it.

Comment “ROOF” 👇 and we’ll send you our 5-Minute Roofing Crew Risk Check, a quick checklist to help you spot uninsured workers, certificate gaps, and coverage blind spots before the next person steps on a roof.

10/01/2026

If expired subcontractor certificates are only getting your attention at audit time, you’re already late. ⏰
Most compliance problems don’t start with a clai, they start with a document nobody followed up on.

📄 When a subcontractor’s coverage expires, that exposure can come back to your client’s book and turn into a much bigger conversation. ⚠️

Knowing what to track, when to follow up, and what documentation to keep can save a lot of headaches later. ✅

Comment “CHECKLIST” 👇 and we’ll send you a practical subcontractor compliance checklist you can use with your construction clients. ⚡️

“I don’t have employees, so Workers’ Comp doesn’t apply to me.” 🤔 That assumption can get expensive. 💸Being owner-only d...
09/28/2026

“I don’t have employees, so Workers’ Comp doesn’t apply to me.” 🤔 That assumption can get expensive. 💸

Being owner-only doesn’t always mean Workers’ Comp is irrelevant. A GC, contract, permit, or project requirement may still ask for proof of coverage 📄, and your business structure matters too.

That’s why the real question isn’t “Do I have employees?” 👀

It’s “What does my business actually need?”
👇 Comment “LLC” and we’ll send you a link to book a quote.

09/23/2026

🚨Why are you still running payroll for employees you DON’T HAVE?

No crew. No W-2 employees. Just you running the business… yet you’re still spending time and money 💸 on payroll just to keep Workers’ Comp in place.

Who told you that was your only option? 👀 If you’re an LLC owner with no W-2 employees, there may be a different setup that makes more sense for the way your business actually operates.

Stop building your business around an insurance requirement. Your insurance should be built around your business. 🛠️

Comment “PAYROLL” below 👇 and we’ll help you find out if you may qualify for a different setup.

You didn’t work all year just to watch your profit disappear in an insurance audit.The truth? Most “surprise” audit bill...
09/11/2026

You didn’t work all year just to watch your profit disappear in an insurance audit.

The truth? Most “surprise” audit bills start months before the audit ever happens. Payroll changes. Revenue changes. Crews change. Subcontractors change. But if your policy stays untouched, all of that can catch up with you at once.

We believe construction insurance should keep up with the way your business actually operates, not just sit in a file until renewal. That means staying involved, reviewing the changes, and helping you spot problems before they become expensive ones.

If your insurance agent only shows up when it’s time to renew, it may be time to expect more.

👇 Comment “AUDIT” and we’ll send you the link to book a call with our team.

No employees… but you’re still running payroll? 👀 Who told you that made sense?No employees. No payroll team. No reason ...
09/08/2026

No employees… but you’re still running payroll? 👀 Who told you that made sense?

No employees. No payroll team. No reason to keep adding unnecessary admin to your business just because someone told you “that’s how it works.” 🧾

You already carry the jobs, the clients, the permits, the deadlines and the risk. Why are you also paying for a process that may not even fit your business? 💸

If your company is truly owner-only, there may be a smarter way to get the Workers’ Comp coverage you need without building your operation around unnecessary payroll. ⚡

So ask yourself: are you running payroll because your business needs it… or because you never questioned it? 🤔

👇 Comment “COMP” and let’s find out.

09/04/2026

You know how to price a roof. 🏠
But do you know what your insurance is really costing you? 👀

High premiums. Big down payments. Workers’ Comp hitting cash flow every payroll. 💸 It adds up fast.

And if your answer is still “that’s just what insurance costs”, you may be accepting a problem you should be questioning.

Smart contractors don’t wait until renewal week to find out what’s draining their margin. ⚠️

Know what you’re paying for.
Know what can be structured differently.
Protect the business you worked too hard to build. 🛡️

Comment ROOFER and let’s talk about what you should be reviewing before your next renewal. 👇

You didn’t build this business one job at a time just to put it all at risk in one afternoon. ⚠️Years go into building t...
09/02/2026

You didn’t build this business one job at a time just to put it all at risk in one afternoon. ⚠️

Years go into building the crew, the reputation, and the trust with your GCs. Then one incident can test all of it, especially if something you thought was covered turns out not to be.

That’s the problem with coverage gaps: they usually stay invisible while everything is going well. Then a claim happens, and suddenly it’s not just paperwork. It’s medical bills, legal costs, delays, downtime, and money coming out of your business. 💸

A lot of contractors know what they pay for insurance. Far fewer know exactly where their coverage ends. And “nothing has happened yet” isn’t the same as being protected.

We’d rather you find the gaps now, on your terms, than in the middle of a claim. 🛡️

Comment “RISK” and we’ll send you the checklist. Check your coverage before a claim does it for you. ✅

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.

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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