Lite Speed Insurance

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 🧾 Turns out one of your subs didn’t have active coverage, your payroll class was off, and your COI was months out of date.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

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, 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 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. 📄

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.