Legal Gap Check

Most new Florida LLCs have at least 6 of these 15 legal gaps

You filed the LLC yourself. The state said yes. Filing alone does not finish the job. While a liability gap is open, a claim against your business can reach your personal savings, your house, and your car. This free check shows you which gaps are open and which ones put you at risk.

Run the free check

3 minutes. 15 yes or no questions. No documents needed. Free.

How it works

Answer 15 questions

Plain yes or no questions about how your LLC is set up. About three minutes, no paperwork needed.

See your open gaps

A count of how many of the 15 gaps are open, where that puts you on the line from Exposed to Covered, and which ones reach your personal money.

Get the fix list

Every open gap named in plain language, ordered by how much it matters, with a free review call to walk through it.

The 15 gaps we check

Formation & Records

  • Written operating agreement
  • Current registered agent
  • Formation records in one place

Contracts & Clients

  • Signed client contracts
  • Payment terms in writing
  • Ownership of finished work

Liability & Insurance

  • General liability insurance
  • Signing in the company name
  • Professional liability coverage

Money & Tax

  • Separate business bank account
  • Money set aside for taxes
  • EIN on file with the IRS

Compliance & Renewals

  • Annual report filed by May 1
  • County and city licenses
  • Sales tax registration

5.7M

New U.S. business applications filed in 2025

U.S. Census Bureau, Business Formation Statistics, 2025

$400

Late fee for a missed Florida LLC annual report

Fla. Stat. 605.0212, Florida Division of Corporations

May 1

Annual report deadline for every Florida LLC

Fla. Stat. 605.0212, filing window opens January 1

Miss that deadline long enough and the state can dissolve the LLC administratively. If that happens, the liability shield you formed the company to get is no longer there.

Fla. Stat. 605.0714, grounds for administrative dissolution

ExposedCovered

Find out how many of the 15 gaps are open on your LLC, and which ones reach your personal money.

Run the free check

3 minutes. 15 yes or no questions. No documents needed. Free.