Clerical, Professional & Sales
Class Code 4361: Photographer & Clerical, Salespersons, Drivers — Workers' Comp Insurance
Covers photography studios and photographers, including the clerical, sales, and driving support tied to the business, whether the work happens in a studio or on location. It's written broadly enough to capture a small photography business's full team under one code.
- Risk level:
- low
What code 4361 covers
Class 4361 applies to photography businesses, covering the photographers themselves along with the clerical staff, salespersons, and drivers who support the operation, whether shoots take place in a studio or at outside locations such as weddings, events, or client sites. The classification contemplates the equipment handling and light travel that comes with photography work, without extending into higher-hazard activities like aerial or industrial photography in hazardous environments, which may warrant separate evaluation. Studios that also sell photography equipment, frames, or prints as a retail sideline may need that portion of the business evaluated separately if it grows beyond an incidental part of the operation. As with other combined clerical/sales/driver codes, the goal is to avoid splitting a small business's support staff into multiple classifications when their work is directly tied to the core photography operation.
Included operations
- Studio and on-location photography
- Photo editing and production work tied to the studio
- Clerical, scheduling, and customer service support
- Sales of photography packages and products
- Drivers transporting equipment to shoots
Assigned elsewhere
- Aerial, industrial, or hazardous-environment photography — evaluated separately based on the specific exposure
- Retail sale of cameras or equipment as a standalone business — evaluated under the applicable retail store class
- Video production companies operating as a distinct business line
- Printing or photo lab manufacturing operations run at scale
Businesses that typically carry 4361
- Portrait and studio photography businesses
- Wedding and event photographers
- Commercial and product photography studios
- School and yearbook photography companies
- Nonprofit and association back offices
- Accounting and bookkeeping firms
- Technology and software company offices
- Businesses whose main operations carry a different, higher-hazard class code
Common misclassifications
Code 8017
A studio that also sells cameras, frames, or prints at retail can blend retail-store exposure into what should be a photography classification.
Code 7380
Photographers who do significant equipment hauling or courier-style delivery work may drift toward a drivers classification for that portion of duties.
Compare up to 10 carriers in minutes.
One application goes out to every carrier we can access for your class of business. You get a ranked comparison you can review and purchase online — with a licensed agent available whenever you want one.
Mon–Fri, 8:00am–6:00pm ET · Independent agency licensed in 23 states
What drives the cost of code 4361
- Total annual payroll for employees assigned to this classification
- Experience modification factor based on claims history
- State-specific base rates and loss costs filed for this class code
- Claims frequency and severity trends for the business
- Safety programs, training, and workplace controls in place
- Payroll mix across multiple classifications at the same location
What underwriters look for
- Percentage of time employees spend on outside sales, deliveries, or non-desk duties
- Whether any employees perform duties that belong under a different, higher-hazard class code
- Total clerical payroll versus payroll in other classifications at the same location
- Prior claims history and current experience modification factor
State differences
This entry uses standard NCCI class code phraseology, which applies in most NCCI-governed states. Pennsylvania (PCRB), Delaware (DCRB), California (WCIRB), New Jersey (NJCRIB), Michigan, New York (NYCIRB), and Massachusetts maintain their own classification manuals, and code numbers or phraseology can differ there. Our agency confirms the correct classification for your state before quoting.
Where code 4361 fits
Quote class code 4361.
One application goes out to every carrier we can access for your class of business. You get a ranked comparison you can review and purchase online — with a licensed agent available whenever you want one.
Mon–Fri, 8:00am–6:00pm ET · Independent agency licensed in 23 states
Class code 4361 questions
Does 4361 cover wedding and event photographers who travel to venues?
Yes, on-location work is part of the normal exposure this code contemplates, along with the driving involved in getting there.
What if the studio also sells cameras and frames at retail?
A small, incidental retail component is often fine, but a significant standalone retail operation may need its own classification.
Does this code cover drone or aerial photography?
Not for higher-hazard aerial or industrial work — that typically needs separate evaluation given the different risk profile.
Are the studio's clerical and sales staff covered under the same code?
Yes, that's one of the advantages of this classification — it keeps a small studio's support staff under one code instead of splitting them out.
Last reviewed · Reviewed by Provident Financial Group licensed agents