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.

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 🧾 Turns out one of your subs didn’t have active coverage, your payroll class was off, and your COI was months out of date.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. ⚡

You’re up on the ladder, roller in hand, painting the perfect wall. Then, your foot slips, paint hits the wrong floor, o...
05/01/2026

You’re up on the ladder, roller in hand, painting the perfect wall. Then, your foot slips, paint hits the wrong floor, or your helper’s paperwork isn’t in order. 😬

Painting work is full of hidden risks and one mistake can cost more than the job itself. That’s why Lite Speed is built on Risk Intelligence. We don’t just quote policies; we work with Florida painters to assess real risks and ensure your coverage matches the way you actually work. 🎨⚡

Smart coverage starts with smart questions.

Click the link in bio and get an appointment, let's talk before something forces the conversation.

Be Intelligent. Be Lite Speed!

That 40% premium increase wasn't about risk. It was about what was missing on paper.The same three things keep coming up...
04/29/2026

That 40% premium increase wasn't about risk. It was about what was missing on paper.

The same three things keep coming up in contractor audits:
→ Subcontractors with no certificate of insurance on file 🛠️
→ Workers placed in the wrong classification 🚫
→ Payroll records missing pieces 📊

Here's the shift we keep seeing on the ground:
The contractors who grow aren't the ones working the hardest. They're the ones making smarter decisions with better information. 🤔💡

Risk intelligence for contractors. That's the whole idea behind what we do at LiteSpeed. 🚀

We put together a free pre-recorded class that walks through what a Workers' Comp auditor actually looks at, and the practices that can help you assess your exposure before it turns into a number you didn't plan for. 🎓

Comment "training" and we'll DM you the access link. 🔑📩

3:47 PM on a Tuesday. ⏰Your client walks in holding a letter. His face already said it:The audit came back. $47,000 owed...
04/17/2026

3:47 PM on a Tuesday. ⏰Your client walks in holding a letter. His face already said it:The audit came back. $47,000 owed. 📄

Technically, not your problem. You're his accountant, not his insurance agent.
But you both know what the next three weeks look like. Digging through old payroll, chasing subcontractor COIs, justifying classifications nobody documented. 😮‍💨All because nothing got caught before the auditor caught it.

Here's what nobody tells CPAs early enough.You don't lose clients over bad tax work. You lose them in the moments they needed you to know something you were never trained to know.

We built a free training for exactly those moments, the three files auditors open first, and where the cracks hide. 🔍20+ years inside contractor audits. Real cases.

Comment "Training" 💬 and it's in your DMs.

Maria did everything right as a CPA. Her client’s books were clean. 📊 But no one was watching the insurance side. ⚠️Then...
04/15/2026

Maria did everything right as a CPA. Her client’s books were clean. 📊 But no one was watching the insurance side. ⚠️

Then came the surprise: a $38K audit bill. 💸

Misclassified workers, expired subcontractor COIs, underestimated premiums. 🚨

That is how good clients get blindsided and how trusted advisors get pulled into problems they never saw coming.

At Lite Speed Insurance, we help CPAs protect their clients before audit issues, compliance gaps, and coverage mistakes turn into expensive problems. 🛡️

We handle the insurance, audits, and compliance side so you can stay focused on what you do best. 🤝

Want to protect your clients before it costs them? Click the link in our bio. 🔗

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

Alerts

Be the first to know and let us send you an email when Lite Speed Insurance posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Lite Speed Insurance:

Shortcuts

Share

Category