Cosmetology Insurance in Illinois

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Cosmetology insurance that’s made for your Illinois business

We’re dedicated to helping you get the cosmetology insurance coverage you need to protect your business from accidents, injuries, property damage and legal fees. Popular insurance bundles for cosmetology business in Illinois include:

General liability
Professional liability
Workers’ compensation
Commercial property

See the coverage plans for cosmetology insurance in Illinois

You can pay for your insurance monthly or annually and you can cancel instantly at any time.

Basic

Lowest Price

General Liability

Per occurrence

$500,000

Workers’ Comp

Per accident

$100,000

Commercial Property

Per occurrence

$25,000

Pro

General Liability

Protection for the injuries, accidents and damage you cause

General liability insurance covers a wide range of cosmetology accidents and basic risks. You’ll have financial protection if someone other than an employee gets hurt or you are held responsible for damaging property that doesn’t belong to you. It’s often required by salon and spa owners.

general liability can help you pay for:

Medical payments

Property damage

Legal fees and judgments

Professional Liability (E&O)

Coverage against business mistakes and claims of negligence

Professional liability insurance (also known as errors and omissions) helps you defend yourself if you’re accused of making a mistake that causes someone to lose money. For example, if you are accused of using a treatment that damages a client’s skin, it could help cover related expenses to defend yourself or redo the job.

professional liability can help you pay for:

Professional negligence (actual or alleged)

Legal defense costs

Legal judgments

Workers' Compensation

Coverage for workplace injuries

Workers’ compensation insurance helps pay for medical care and lost wages after a workplace injury. It’s almost always required if you have employees. Choose business owner’s coverage with your policy to protect yourself.

workers compensation can help you pay for:

Medical expenses

Lost wages

Employer liability

Commercial Property

For business owners who own or rent physical spaces

Commercial property insurance can help protect your business equipment, inventory and even the building itself if you own it. If your business property is damaged due to a covered event, such as a burst water pipe or fire, property insurance can help with replacement costs or repairs as well as the loss of business income while you get back up and running.

commercial property can help you pay for:

Damaged equipment and inventory

Lost income

Operating expenses

How much does it cost to get Cosmetology insurance in Illinois?

The exact amount that a cosmetology business can expect to pay for business insurance depends on a number of factors, including:

The kind of work you do
How many employees you have
The number of vehicles you use for work
How long you’ve been in the industry

Business insurance typically costs a cosmetology business in Illinois about $8 each month.

You automatically save 10% if you combine more than one type of policy together. For example, if you add a commercial auto policy to your existing general liability policy, you’ll save 10% right off the bat.

What does a Cosmetology need insurance for in Illinois?

With business insurance from NEXT, you’ll have the protection you need to get your cosmetology business to the next level. Insurance can help you in many ways:

General liability coverage helps pay for damage to property that doesn’t belong to you.
Professional liability insurance helps you defend yourself if you’re accused of making a mistake that causes someone to lose money.
Workers’ compensation insurance can help cover medical bills and lost wages after a work-related injury. Workers’ comp coverage is usually required by law if you have employees.
Commercial auto coverage will help pay for collision and other driving-related damage.
Commercial property insurance can help with replacement or repair costs if your owned or leased property is damaged due to a covered event.

Frequently asked questions about cosmetology business insurance

Here are some of the most common questions we get about cosmetology business insurance. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.

Does NEXT Insurance offer cosmetology business insurance in Illinois?

Yes, NEXT Insurance offers tailored cosmetology business insurance in Illinois.

Does NEXT Insurance offer Professional Liability coverage for cosmetology business in Illinois?

Yes, NEXT Insurance offers General Liability, Professional Liability, Workers' Compensation, Commercial Property coverage for cosmetology business in Illinois.

How does business insurance protect cosmetologists?

Our cheap cosmetology insurance packages are designed to protect your business from a variety of risks and help you save money to grow your business. You’ll be protected from financial losses related to:

Damage to someone’s property

You spill nail polish on a client’s designer shoes. The general liability coverage in your insurance package would help pay for a replacement.

Accidents that hurt someone

A client slips and falls when getting up from a salon chair. Your general cosmetology liability insurance coverage would also come into play here by helping to pay for medical costs and legal fees.

Professional mistakes

A client claims that you caused an allergic reaction with certain chemicals, forcing them to reschedule their wedding. Professional liability insurance helps you defend yourself if you’re accused of making a mistake that causes someone to lose money.

Workplace injuries

You trip over the power cord to your hair dryer and twist your ankle. Workers’ compensation insurance with business owner’s coverage can help cover medical bills and lost wages. Workers’ comp is usually required by law if you have employees.

Injuries and damage involving your business vehicles

While driving to work, you slide on an icy road and hit a parked car. Commercial auto insurance will help pay for the repairs. This coverage is also usually required by law for business-owned vehicles.

Damage to your own property

During a severe storm, your front windows are smashed by a broken tree branch. Commercial property insurance can help with replacement or repair costs if your owned or leased property is damaged due to a covered event, such as a burst water pipe, fire, tornado or vandalism.

How can I get a certificate of insurance (COI)?

Once you have a NEXT policy, you’ll have instant access to your certificate of insurance 24/7 via web or app. Log in to your account and download your COI instantly or have it delivered via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them. Make changes to your coverage and your COI updates automatically.

What do I need to get an insurance quote online?

It takes about 10 minutes to get a consultant business insurance quote online with NEXT. We’ll ask a few questions about your business — like what you do, your location, how many people you employ and the vehicles you use for work. You’ll choose your options and see prices. If you like what you see, you can buy online and get a certificate of insurance (proof of insurance) on the spot.

How do you file an insurance claim with NEXT?

If you’re a policyholder, simply log in to your account and file a claim. We will contact you shortly after you submit to go over the details. Our support team is standing by to help.

Get customized insurance wherever you do business

Learn more about insurance options in the states where you work.

Illinois

Next Insurance, small business insurance

Coverage on-the-go for policyholders

Manage your policies, send and create certificates of insurance, or file a claim with our app.

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More professions that are covered by NEXT

Barber, Beautician, Bridal Stylist, Cosmetology, Esthetician, Hair Stylist, Nail Technician

* To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.