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
Most Popular
General Liability
Per occurrence
$1 million
Workers’ Comp
Per accident
$500,000
Commercial Property
Per occurrence
$25,000
PRO PLUS
Best Coverage
General Liability
Per occurrence
$1 million
Workers’ Comp
Per accident
$1 million
Commercial Property
Per occurrence
$25,000
Get the cosmetology business insurance in Illinois that’s just the right fit
We offer customized cosmetology insurance policies to small businesses and the self-employed in Illinois. Oh, and you save up to 10% when you bundle two or more policies.
General Liability
Bought by 95% of business owners like you
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)
Bought by 80% of business owners like you
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?
You’ll have instant access to your certificate of insurance 24/7 from your computer or mobile device when you purchase coverage with Next. There’s no waiting for anyone, no need to print anything and definitely no fax machines.
If you’re a new or current Next Insurance customer, all you need to do is log in to your account and your Live Certificate delivers you the proof of insurance you need instantly, for free.
You can easily share your COI with anyone via email, text message or a social media post.
We provide unlimited certificates and you can also add an additional insured for free. If you decide to change your coverage, your certificate will be automatically updated.
Find out more details about your certificate of insurance.
What do I need to get an insurance quote online?
We keep it simple and straightforward so you can find the coverage that’s right for you within a few minutes. When you start a quote for insurance, we’ll ask you a few basic questions about your business, including: the kind of services you provide, the location of your office or where you plan to work, how many people you employ and how much you pay them and the number and type of vehicles you use for work.
How does the claims process work with NEXT Insurance?
- If you’re a policyholder, you can file a claim any time by logging in to your account at www.nextinsurance.com and clicking the “File a claim” under the "About us" tab. You can expect a call from us shortly after you submit a claim to go over the details.
- If you do not have a policy with us and are filing against one of our policyholders, you can head over to our website at www.nextinsurance.com, select “Help Center” under our “Support” tab, and under “Quick Actions for Customers” click where it says ”Not a policyholder and want to file a claim?”
- If you cannot access your online account and require help from our support team, please visit our online help center.
Get customized insurance wherever you do business
Learn more about insurance options in the states where you work.
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* 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.