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Salon owners - click here for FAQ.


Independent Contractors –
Frequently Asked Questions


Who is this insurance program for?

West Bend’s program is specifically designed for cosmetologists, barbers, nail technicians, estheticians, and massage therapists, all independent contractors renting space from salon owners. 


Why do I need insurance?

As an independent contractor, you need to carry your own insurance. Most salon owners who rent out booths don’t provide insurance for the self–employed professional. If you don’t have insurance, you could be risking your income and professional reputation. Insurance provides coverage that protects you from the financial impact of a liability claim like a slip and fall, chemical damage, burns, or cuts.

What types of services aren’t covered under this policy?

Acupuncture, Botox, cellulite reduction, laser equipment, permanent cosmetic services including tattooing and body piercing, and medical advice and services. 


Why choose West Bend?

West Bend’s coverage is designed specifically for cosmetology-related business. We insure thousands of salons and beauty independent contractors throughout the Midwest so we understand your unique business insurance needs. We’re also dedicated to providing you with an affordable insurance product. And if you have a claim, our claims professionals understand the types of risks associated with the beauty industry. These knowledgeable and experienced professionals are dedicated to handling your loss. West Bend is backed by nearly 125 years of financial stability and an A (Excellent) or better by A.M. Best since 1971.


Why choose Morency & Associates, Inc.?

Morency & Associates is an independent insurance agency and a trusted partner of West Bend. They’re experts in finding the right business insurance coverages for their clients. More importantly, you can trust West Bend and Morency & Associates, Inc. to protect the things you simply cannot afford to lose.


What is general liability insurance? 

General liability, often referred to as business liability insurance, is coverage to protect you from claims including bodily injury, property damage, and personal injury arising from your business operations. General liability can protect you if you’re sued by someone who trips over your chair or table, incurs physical injuries caused by your products, or on whose expensive purse or coat you spill hair dye or oils.


What is professional liability and what does it cover?

Professional liability insurance provides coverage to pay for claims arising out of the rendering of or failure to render professional services in connection with your beauty operation as a hairdresser, nail technician, masseuse, or esthetician. Also known as malpractice insurance, professional liability insurance protects you if a client sues you over an alleged professional mistake, even if you didn’t make a mistake, but a client claims you did.


Does the insurance include coverage for my stock and equipment?

If the property is scheduled and covered under the policy, your business personal property, including your equipment/inventory, is covered for direct physical loss of or damage to covered property at the premises described in the declarations and caused by or resulting from any covered cause of loss (fire, lightening, windstorm or hail, theft, vandalism, and more.)


What are my payment options?

We accept credit or debit cards for full payment of your policy premium.


How will I receive my policy?

Your policy will arrive in the mail in approximately 10 business days.


How do I get proof of my insurance?

Contact us via phone at 866-926-4244 or via email at customercare@wbmi.com


What happens if I have a claim?

If you have a claim, West Bend provides several easy options for reporting it, 24 hours a day, 7 days a week.

The easiest way to report any kind of claim is to call West Bend directly, using our 24/7 claim reporting service, DirectConnect®. The toll free number is 1-877-922-5246. If convenient, please try to have your West Bend policy number available.

You can also report a claim by email at directconnect@wbmi.com. Please include:

  • Name
  • Address
  • City, State, Zip
  • Phone numbers (work, home, cell) with best time to call
  • Policy Number
  • Date of Loss
  • Description of Loss

Or if you prefer, fax the same information to 1-800-459-4520 or 1-262-335-7000.

You may also contact West Bend’s agency, Morency & Associates at 877-244-9090.


Can I cancel my policy and get a refund?

You may cancel your policy at any time. A pro-rata (or pro-rated) refund will be issued to you for any unearned premium. 


Why is this program only available in certain states?

West Bend is a regional property/casualty insurer. As such, our company isn’t licensed to write business throughout the entire U.S. Our area operation includes those states in which this insurance program is available.