Starting a photography business: your first-month checklist
The usual order of things. Pick your state below for its exact rules, deadlines and official links.
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Check sales tax and drone rules
Photographers don't need a special license in most places, but some states may tax photo sales and prints, and paid drone photos need an FAA Part 107 certificate. FAA drone rules
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Get general liability insurance
Covers a guest who trips over your gear and, with equipment coverage, your cameras and lenses. See options
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Get your EIN
Free from the IRS, online in about 10 minutes. Banks, clients and payroll all ask for it. You never need to pay a service for it. How to get it free
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Open a business bank account
Keeps the company's money separate from yours, which is what protects your LLC. See options
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Set up booking and invoicing
Online booking and automatic invoices get you paid faster. See options
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Set up bookkeeping
Track every sale and expense from day one so taxes take hours, not weeks. See options
Pick your state
What insurance costs
| Coverage | Median per month |
|---|---|
| General liability | $29 |
| Business owner's policy (BOP) | $47 |
| Professional liability | $42 |
| Equipment (cameras, gear) | $43 |
| Workers' compensation | $56 |
Source: Insureon, Feb 2026. Your price depends on your work, location and history.