Illinois Esthetician Insurance
Get comprehensive liability insurance for estheticians in Illinois. Beauty Insurance Plus covers 500+ beauty and wellness services, offering A-rated protection in less than 5 minutes!
In order to practice as an esthetician in the state of Illinois, applicants are required to complete far more hours than the general requirement in other states (300 to 600 hours), and must complete 750 hours before being able to sit in for the licensing exam. However, educational requirements are not as stringent; you must be 16 years of age, and are only required to have an 8th grade education level, in order to go to school for this career path. Upon completing the minimum hours required, applicants will sit in for the exam to receive their licenses. Once you receive your license, it must be renewed every odd year, by September 30th of the year, in order to avoid their license from lapsing.
Illinois Esthetician License Requirements
Prerequisites
- At least 16 years of age; At least an 8th grade education with a high school diploma or equivalent, or take the Ability to Benefit test
Training
- 750 hours/ 25 credit hour equivalency
Instructor License
- 500 hour teacher- training program with 2 years’ experience*Must use 750 hours/ 25 credit hour equivalency of instruction
Renewal
- Expires on September 30 of every even-numbered year
Reciprocity
- Provide official certification of licensure from the Illinois board of cosmetology showing home state of current license and practice
CEUs
- 14 CEUs; 24 CEUs for instructors
State Board
Ill Department of Financial & Professional Regulation- Cosmetology
(888) 473-4858
Link to Email
Note: This information has been gathered from external sources and is for informational purposes. Please check with your local regulations to verify your state and local requirements.
How Much Does Illinois Esthetician Insurance Cost?
In terms of Illinois esthetician insurance policies, a business owner in the state (owning a salon or spa), must have professional liability insurance. This is going to cover against injuries in the workplace, injuries which are caused by malfunctioning equipment or a slip and fall accident.
However, there are no additional requirements in terms of having an individual esthetician liability insurance policy. But, working in this field, it is smart practice to hold a personal liability insurance policy. For starters, your employer’s policy is only going to cover so much, if anything at all, for you personally; if you injure a client with a heating device or certain chemicals, this is a personal liability claim, and you are not going to be covered. This can result in loss of license, fines, and penalties, as well as other costs. Additionally, even if your employer has a liability policy in place, it might only cover the owners, not individual employees; so, having a personal liability coverage policy is a simple way to protect yourself from lawsuits.
- Students pay just $49 per year of coverage
- One year of coverage for full-time estheticians for just $169
- Two years of coverage for full-time estheticians for just $299
It’s possible that a client may file a false claim, and if you are not covered, you are paying out of pocket for these lawsuits, whether or not you are found to be at fault. Your liability coverage is also going to protect your license, which is your livelihood in the state. No matter how great you are, or how long you have worked in the field, mistakes are going to occur, so it is best to protect yourself, and purchase the right personal liability insurance coverage. Even though it is not required, you will find that having coverage is an easy way to avoid high costs, including those that may come your way due to the lawsuits that may be filed against you during your career. In addition to offering great coverage, you can find an extremely affordable personal liability policy by simply comparing quotes online and comparing the different types of esthetician coverage that is available to you in the state.
Two Year
$299
Per 2 Years
Lock-in a rate of $140 per year, by purchasing our two-year policy, with all the same benefits.
One Year
$169
Per Year
Our first year introductory rate. take advantage of everything we have to offer Today!
Student
$49
First Year
Protect yourself in school & after. Buy a policy before graduation for a full year of discounted coverage.
What Does Esthetician Insurance Cover?
- Skin Care
- Nail Decorations
- Massage
Chemical Wave
Children
Custom Wrap
Design, Cut, & style
Flash or Balyage Highlights
Hair Bleaching
Hair Coloring
Hair Treatments
Hairshaping
Instruction
Permanent Wave
Shampooing
Straightening
Thermal Styling
Waves
Weave
Wet Styling
Wig Stylist
With every beauty insurance liability policy, we include coverage to put our members at ease. Instead of making our policyholders pick and choose their coverage, we include everything from day one. Every policy consists of the following coverage:
- General liability to protect against negligence and accidents, like slips and falls.
- Professional liability protection for errors and omissions claims.
- Identity theft protection to keep your data safe.
- Occurrence form coverage.
- Personal injury and advertising injury in the case of slander, libel or copyright infringement.
- Portable coverage in all 50 states.
With one single policy, you receive all this incredible coverage. The best part is you still pay the same low price for your liability coverage.
Policy Highlights & Benefits
The #1 Choice for Esthetician Liability Insurance
Unlike other states, it is not required that business owners have a business insurance policy in place, but it is strongly advised to purchase one. This policy will protect you in the event a client is injured in your salon, sues for malpractice, or otherwise has a claim against your facilities. Working as an esthetician, you should also consider purchasing personal Illinois esthetician insurance to protect yourself, from claims made by a personal client. If a client is not happy with their nails, if you injure them with equipment you use, or if they file a claim against you, without the right insurance protection, it can result in loss of your license to work in the field. A personal insurance protection policy also covers false claims which are filed against you, or claims that took place when working at a salon, that you are no longer employed at.
Personal liability insurance is just smart practice, for individuals who work in this field. Due to the fact that you are going to work with so many clients each day, and since you will see so many individuals during the course of your career, mistakes are bound to happen. Working in close proximity with clients, there are also going to be instances when arguments will occur, or other issues may arise. Having the right insurance in place, with a trusted insurer, is something to consider. Not only to avoid the high fees and penalties involved with such claims, but also to avoid the potential loss of your license, in the event a personal liability claim is filed against you, which threatens to evoke your license and right to practice in the state you work in.
Frequently Asked Questions
If you are at least 16 years old, you are eligible to obtain an esthetician license in the state of Illinois.
You will have to complete 500 school hours and pass both theory and practical exams.
14 CEUs; 24 CEUs for instructors
Expires on September 30 of every even-numbered year
No problem, just make sure you hold an esthetician license in a state with substantially equivalent requirements. In some cases, work experience may be credited.
While Illinois does not legally require estheticians to hold liability insurance, it could be a big mistake to go without it. Not only does esthetician liability insurance protect you from the cost of a lawsuit against you, but it could be a requirement for many salons and spas. Of course, mitigating the risk of a liability lawsuit is a critical component to a secure financial future and career in this industry. To protect yourself and keep your finances secure, every esthetician must have cosmetology insurance.
Why Is It Important to Have Insurance For Your Career?
Providing beauty services often requires close contact with clients, which can increase the risk of accidents occurring. While it's easy to think that the chances of something going wrong are low, the truth is that accidents do happen, and it's essential to be prepared to protect both yourself and your career.
For instance, if you're applying hair color to a client, and the treatment is left on for too long, it could result in damage to the hair or burns to the scalp. In such a scenario, the client may decide to sue you for damages or emotional distress, leaving you to bear the entire cost of the lawsuit. However, if you have the right liability insurance, your finances and reputation will remain protected.
Rather than taking chances with your livelihood, it's crucial to prioritize protecting your career and business by having the appropriate insurance coverage in place. With insurance, you can work confidently, knowing that you're prepared for any unexpected incidents that may arise while providing your valued services to clients.
