OwnerUnlocked

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.

  1. 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

  2. Get general liability insurance

    Covers a guest who trips over your gear and, with equipment coverage, your cameras and lenses. See options

  3. 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

  4. Open a business bank account

    Keeps the company's money separate from yours, which is what protects your LLC. See options

  5. Set up booking and invoicing

    Online booking and automatic invoices get you paid faster. See options

  6. 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

CoverageMedian 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.