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.

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. 🔗

04/10/2026

📣 CPAs & Accountants, your clients deserve better insurance support.

False audits. Skyrocketing premiums. Non-renewals. Agents who ghost you. 😤
Those aren't accounting problems. Those are insurance problems. And that's exactly where we come in. 💼⚡

At Lite Speed, we give your clients:
✅ Free audits
✅ Access to better-performing markets
✅ Strong underwriting appetite, we can quote almost anything
✅ VIP treatment for you AND your clients 👑

Be the one who solves the problem no one else could and earn $50 for every referral. 💵

👉 Click the link in our bio to get started.

04/08/2026

Muchos contratistas creen que, por tener payroll, ya cuentan con Workers’ Comp. Pero no siempre es así⚠️

El verdadero problema aparece cuando ocurre un accidente, se rechaza un reclamo o surgen problemas con la cobertura. Tener payroll no significa automáticamente que tu Workers’ Comp esté bien estructurado. 📄

En Lite Speed Insurance te ayudamos a encontrar una solución más inteligente: una opción PEO que integra payroll y Workers’ Comp, para reducir conflictos, mantenerte en cumplimiento y darte mayor tranquilidad mientras operas tu negocio. ✅

Si no estás seguro de que tu cobertura esté correctamente configurada, este es el momento de revisarla. Haz clic en el enlace de la bio y habla con nuestro equipo hoy. 🔗💬

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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