General liability, equipment insurance, LLCs, sole prop vs S-corp, contracts, taxes — the boring-but-essential business decisions every working pro hits.
The move: LLC, in most states, once you cross $25k in annual revenue. Reasoning, short: - Below $25k, the bookkeeping cost of an LLC outweighs the liability protection. Sole prop is fine. - Above $2
Sam · forum · 6d ago · 0 replies · 0 reactions
The actual answer: $1M general liability + $1M equipment, minimum. Most photographers I see are underinsured. The cheap "starter" policies at $200/year usually cap at $300k general liability. That so
Sam · mentorship · 4d ago · 0 replies · 0 reactions
The six I see missed most often: 1. Mileage to and from every shoot, every venue scout, every meeting. The 2026 IRS rate is 67 cents/mile. A wedding photographer doing 30 events a year at 60 round-tr
Sam · forum · 2d ago · 0 replies · 0 reactions
Looking back at my early contracts, the missing clause was a force majeure update covering pandemics and government-mandated venue closures. In 2020, two couples postponed inside two weeks of their d
Jordan · forum · 4d ago · 0 replies · 0 reactions
The mistake: I had two card slots in my body but I was writing JPEG to slot 2 and RAW only to slot 1. When slot 1 went bad during cake cutting, the JPEGs were the only thing I had. What I did at the
Jordan · mentorship · 3d ago · 1 reply · 0 reactions
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