This is inspired by my recent Facebook post....
How a Facebook Post Sparked this blog
I had been feeling excited about photography, sharing some thoughts, and letting people know that if they ever had questions, they could reach out. I didn’t expect much, but a few people slid into my DMs.
Two people had never owned a camera before and just wanted a fun hobby. I helped them with some advice on beginner-friendly camera that fit their goals and budgets. Another wanted help choosing a lens and (I think) we found the perfect fit for her project.
Starting my business was not the easiest although I had support and asked advice, I still wasn't sure where to start. I wanted to do this the right way, every step of the way. If you’re in Ohio (like me), or really anywhere, these are some of the first things I learned are essential when you're turning your photography hobby into a legit small business:
1. Register Your Business
Once I decided to go for it, the first official step was registering my business name. In Ohio, if you’re using a name other than your legal name (like me Grace Keely Photography named after my girls), you need to register that with the Ohio Secretary of State.
You can file as a sole proprietorship, LLC, or another structure. You need to look at your option and choose what is best for you.
2. Get the Right Licenses and Permits
Ohio doesn’t require a state-wide business license, but your local municipality might. For example, some counties or cities may require a vendor license if you’re selling products (like prints or albums), or operating out of a studio space.
If you’re ever unsure, call the local chamber of commerce or small business office to ask questions. They are a wealth of knowledge!
3. Understand Taxes (Yes, Even for Photographers)
As a self-employed photographer, you’ll need to pay federal self-employment tax (Social Security + Medicare), as well as Ohio state income tax. You may also be required to collect and remit sales tax if you're selling tangible items (like photo prints, albums, or USB drives).
To collect sales tax, register with the Ohio Department of Taxation for a Vendor’s License. If you only provide digital images and your services fall under “non-taxable,” you still need to be clear about what is and isn't taxable in your offerings.
It’s best to talk to a CPA so you don't get any surprises come tax time.
These 3 things above are IMPORTANT!
The next 2 I suggest putting a lot of thought into also.
4. Business Insurance
It’s not the most exciting topic, but business insurance is something you want to look at, especially if you have your own studio.
General liability insurance protects you in case of accidents on a shoot (think: someone trips over your gear), and equipment insurance protects your camera and lenses. PPA (Professional Photographers of America), or your local insurance agent can offer small business packages. I recommend calling around and comparing coverage and prices.
5. Don’t Guess Your Prices—Know Your Numbers
One of the biggest mistakes I made myself is setting prices based on what other photographers were charging. That might be a place to start, but it’s not where you should end. Being known as the cheapest photographer is not always the best. Strive to be known for the quality of work and the experience you offer your clients.
Every business is different. Your expenses, time, goals, and value are unique. That’s why learning your Cost of Doing Business (CODB) is so important.
Take the time to list out:
All your gear expenses and maintenance
Studio expenses
Editing software and subscriptions
Insurance, licenses, and taxes
Website and marketing costs
Education, workshops, courses
Your time, what is it worth to you (communication with your client, loading up your car, driving to the location, shooting, editing)
Once you add those up and figure out how many sessions you want to do per year, you’ll have a much clearer idea of what you need to charge—not just to break even, but to thrive. Pricing yourself based on actual data gives you confidence and long-term sustainability.
Ready to Start? You’ve Got This!
