If you've recently formed a Florida LLC — or you're about to — you may be wondering whether you actually need an operating agreement. Florida law doesn't require one. So can you skip it?

The short answer is no. Skipping an operating agreement is one of the most common and costly mistakes Florida business owners make. Here's why it matters, what it should cover, and what happens if you don't have one.

One of the first decisions every Florida entrepreneur faces is how to structure their business. LLC or S-Corp? It sounds like a simple choice, but it has significant implications for how you're taxed, how you're protected, and how your business operates for years to come.

The good news is that for most small business owners in Florida, the answer isn't as complicated as it might seem. Here's a clear breakdown of what you need to know.