Illinois Cosmetology Insurance

Cosmetology covers a wide range of fields including numerous services provided. The closeness of the majority of these services can some times lead to even the most seasoned beauty professional to make a mistake. For this reason, each cosmetologist practicing in the state of Illinois should carry the appropriate liability insurance—protecting both his or her reputation and finances.

Two Main Types of Cosmetology Insurance

Professional liability (malpractice): protects you against any lawsuit filed against you due to negligence or injury on behalf of your services. For example, if you accidentally spill hair color on a client’s carpet, he or she could choose to file a claim against you.

General liability (or slip-and-fall scenario): protects both your finances and your reputation in the event of a lawsuit stemming from accidents out of your control. For example, a client happens to slip on hair on the floor, he or she could file a claim for injury.

Why should I carry cosmetology insurance?

The more coverage you have, the better off you will be is a general rule to follow for liability insurance. Carrying cosmetology insurance in the state of Illinois is a wise decision for both the longevity of your business and your reputation as a dependable beauty professional. There are scenarios that can occur without your control, such as a client tripping on a wash station or a pedicure spa leaking. These circumstances could lead to lawsuits filed against you, and without coverage these claims would be financially draining. Due to these reasons, cosmetologist insurance remains the best option to protect a career and reputation you have worked hard to reach.

Illinois Cosmetology FAQs

Do I have prerequisites to complete?

If you are at least 18 years old and have a high school diploma or equivalent, you are eligible to obtain a cosmetology license in the state of Illinois.

What do I need to do to obtain my cosmetology license?

You will have to complete 1,500 school hours and pass the appropriate exams.

Do I need a license to be a cosmetology instructor?

Yes, both a cosmetology license and 1,000 hours of training are required; or, two years of experience and 500 training hours.

Does the state of Illinois require me to complete continuing education units (CEUs)?

Yes, cosmetologists have to complete 14 CEUs every two years, and instructors are required to complete 24 CEUs every two years.

How often do I need to renew my cosmetology license?

A person practicing cosmetology must renew his or her license by September 30 of each odd-numbered year—plus a $25 dollar fee per year.

Moving to Illinois from another state?

No problem, just make sure you submit an application for licensure by endorsement and provide certification of licensure from your current state board.