Cosmetology Insurance Requirements For Illinois Residents
Excellent-rated cosmetologist liability insurance that covers beauty professionals for more than 500+ beauty and wellness services.
Live streaming and pre-recorded video covered
Safe and Secure Online Checkout
Occurrence-form for complete protection
500+ modalities covered including Acro & SUP yoga, Reiki and more.
How Much Does Cosmetology Insurance Cost in Illinois?
With NACAMS, our policy options cost as low as $0.45 per day and can save you potentially hundreds of thousands of dollars if a lawsuit were to occur. Even the most experienced cosmetologist could be held liable if a client were to be injured during your services.
One of the top reasons professionals choose NACAMS as their professional liability insurance provider is because we cover dual practitioners offering services like hair cuts, facials, meditation and more for one low cost.
FULL time
1 Year
$179
Full time
2 Year (saves you $29!)
$329
Student
1 Year
$60
Student Policy Notice: to be eligible for the student policy, you must be currently enrolled in your first YTT. Pro tip: students can buy the $60 student insurance policy from NACAMS on the last day of their training, and that policy is good for the next 364 days, even if you are teaching full-time!
While you may not have considered it, professional insurance is an investment every cosmetologist should make.
Professional cosmetologists should find an insurer that provides the best liability insurance coverage at lowest rates. If you are ready to protect your assets and professional future, contact an insurance professional today to get personalized insurance coverage that will protect your professional reputation as a cosmetologist.
A NACAMS Policy Includes:
500+ Modalities Covered—No Extra Cost
You’re covered for over 500 yoga, massage, & beauty modalities like facials, hair color, chemical treatments, and more. We make it easy for dual practitioners.
Get free member benefits such as an easy-to-customize website, up to 25% of Hertz, up to 75% off Office Depot, up to 50% off UPS, up to 30% off Lenovo, up to 60% off of hotels worldwide, and 40% off universal background screening.
Free Certificate of Insurance
Purchase online or over the phone and you are instantly insured. Download your free certificate of insurance (COI) directly in your member poral.
Access to the Health Insurance Marketplace
Get access to affordable health care, vision and dental. Plus get the option to obtain Telehealth allowing you to consult with a physician 24/7/365 via telephone, video, or mobile app—with only a $10 copay.
Cosmetology covers a wide range of fields, and to become a cosmetologist in Illinois, you’ll need 1500 hours to get your license, which you’ll have to renew every even numbered year. Some of the professionals in this field include make-up artists, nail technicians, small salon owners, estheticians, barbers, beauticians, and hairdressers. Professional cosmetologists have the work of supporting their clients with various beauty needs. The job sometimes involves application of certain chemical treatments that may have a negative effect on a client’s skin or hair.
For this reason, each and very professional should have individual insurance coverage. Whether you work in a medical spa, a salon, or by yourself, it is vital to have the right insurance coverage that will protect your personal reputation and financial assets.
Why Do You Need Insurance Coverage?
Having cosmetology insurance in Illinois will help cover for the risks you face such as hair color treatment gone bad or facial treatment gone wrong. Without insurance coverage, you may be required to pay for property damage, third party bodily injuries, and court ordered or legal defense settlements out of your own pocket. In addition, you could remain out of work while having to concentrate on an expensive court case. Due to such reasons, cosmetologist insurance remains the best option to protect your future career and your personal assets.
Insurance Coverage Options
Most cosmetology policies in Illinois will offers two main types of liability insurance, and many will offer product liability, which you should be sure to look for. The main two types of insurance include:
1. General liability insurance
This may cover two areas:
- Bodily injury: As the cosmetologist performs a facial treatment, he/she may apply a moisturizer that reacts with the client skin. Since the product was provided by the cosmetologist, the client may blame the cosmetologist for providing faulty product and thus he/she may claim for damages. In such a situation, general liability insurance may protect a beautician from third-party injury claims and related medical costs
- Damage to the client’s property: A cosmetologist may be asked to provide on-site services at the client’s home. During this time, equipment may malfunction starting some fire that may damage the client’s property. Following such an incidence, the client may sue the cosmetologist for property damage. In such a case, general liability insurance may protect one from such claims.
2. Professional liability claims
This may cover two general areas:
- Emotional distress: In a situation where the cosmetologist leaves the treatment on the client’s hair for long, scalp burns and hair damages may result and cause emotional distress. For this reason, the client may make claims for emotional damages and loss of wages since he/she cannot return to work for several weeks. Professional liability insurance will help you in such a situation.
- Treatment gone wrong: If a cosmetologist applies chemical to the client’s skin but the chemical causes skin burns, the client may sue the cosmetologist and make claims. If such a claim is made, professional liability insurance will offer protection.
Stay Protected With An Occurrence-Form Policy
Occurrence Form (also known as Occurrence Based) is the industry-preferred policy type because you are covered for any incident that happened while your policy was in effect, even if your policy has expired.
Other providers sell Claims-made policies, where any claim filed after the policy expires will not be covered. No matter if you choose NACAM or not, definitely make sure your provider has "occurrence form" coverage.
What Our Customers Are Saying
We are proud that NACAMS is rated a 4.7/5 (Excellent) on Truspilot. Read some of our reviews below!
It was a no brainer that I would choose Nacams as my liability insurance. You get a better value at a reasonable cost.
Sally
This is a very easy, efficient, affordable and well crafted solution which avoids the horrific confusion that most insurance provided cannot seem to avoid.
Elizabeth
I feel confident with Nacams insurance in my reiki business.
Nancy
Love this Company! Very easy to move around and shop for the best policy, not to mention the best price!
Suzanne
While my customers do sign a liability waiver on behalf of the business where I am an employee, I'd prefer to have this backbone behind me protecting my person and any damage an unruly person could assert. Thank you NACAMS for protecting me professionally!
Jenn
Very easy and straightforward. Easy to locate my modalities on the website to ensure they are covered.
James