Augustyniak Insurance Group

The Independent Agent Advantage for Contractors

Augustyniak Insurance Group operates as an independent agency, which means they are not locked into selling policies from a single carrier. For Jacksonville contractors, this translates into real savings — when you request a quote, they shop your risk profile across dozens of insurance companies to find the best combination of coverage and price. A captive agent at a single carrier gives you one option. Augustyniak gives you the market.

Their contractor-specific expertise covers the full insurance stack that Northeast Florida builders need: general liability, workers' compensation, commercial auto, builders risk, inland marine for tools and equipment, and surety bonds including bid, performance, and payment bonds. For small-to-mid-size contractors who have been renewing the same policies year after year without shopping the market, a competitive re-quote through an independent agency like Augustyniak often reveals significant savings.

The ConstructionPerks Take

We think Augustyniak Insurance Group is best for: Small-to-mid-size Jacksonville contractors who want an independent agent shopping multiple carriers to find the best rates on GL, workers' comp, and bonding — rather than accepting whatever a single carrier offers.

One thing to think about is the value of annual re-shopping. Insurance markets shift every year, and the carrier that was cheapest last year may not be cheapest this year. An independent agent automatically re-markets your policies at renewal, which a captive agent cannot do.

Another consideration is their bond program capacity. For contractors needing surety bonds up to $25 million, Augustyniak has programs ranging from first-time bond applicants to established contractors needing significant capacity. If you have been told you cannot get bonded, an independent agency with access to specialty surety markets may find options that a single-carrier agent cannot.

Frequently Asked Questions

Does Augustyniak Insurance offer workers' compensation for contractors?

Yes, workers' compensation coverage for construction trades is a core offering. Florida requires workers' comp for construction companies regardless of size, and Augustyniak shops multiple carriers to find competitive rates based on your trade classification, payroll, and claims history.

Can they provide surety bonds for Jacksonville contractors?

Yes, they offer construction bonds including bid bonds, performance bonds, payment bonds, and supply bonds. Their programs range from first-time bond applicants to contractors needing up to $25 million in bonding capacity.

How does an independent insurance agent save contractors money?

An independent agent represents dozens of insurance carriers rather than just one. They submit your information to multiple companies and compare quotes, ensuring you get the most competitive rate available in the current market rather than whatever a single carrier decides to charge.

Does Augustyniak handle builders risk insurance?

Yes, builders risk policies covering structures under construction are available. This is essential coverage for GCs and developers protecting against fire, wind, theft, and other perils during the construction phase before the permanent property insurance takes effect.

What size contractor does Augustyniak typically work with?

They work with contractors of all sizes, from small trade operations needing basic GL and workers' comp to mid-market GCs requiring comprehensive coverage packages with significant surety bond programs. Their independent model allows them to match the right carrier to your specific risk profile regardless of company size.