Ray Daniels covered this in the Sep/Oct 2009 Zymurgy, and stated that fermenting beer will be too turbid to allow much (or any) light to penetrate the beer, and for the most part I agree with him. He suggests that any minute amounts formed during fermentation would most probably be volatised and blown off with CO2. He also explains that it is only a problem in very pale beers - ie amber, brown or black beers offer similar protection that the brown bottles do.
Beer will also not skunk til during/after fermentation as one of the requisite products of skunking (B2) has not yet been formed - so wort is ok in the sun (ie if you brew outside) so long as you ferment/store inside afterwards.
Incandescent lights do not cause a problem, though sunlight and fluorescent light can and will - given time, so if you use energy efficient fluoros in the room that you ferment/condition you might consider covering any pale beers after fermentation has begun.