Next Wave’s Restaurant Program offers agents an all-lines solution to most restaurant types nationwide, including franchise chains and the upscale/fine dining type risks.

Coverages Offered

  • General Liability
  • Property
  • Workers Comp
  • Liquor Liability
  • Crime
  • Umbrella

Target Accounts Include:

  • Upscale & White Table Restaurants with exclusive cuisine prepared by professional staff.
  • Restaurants offering Classic, Ethnic or Specialty Cuisine.
  • Catering incidental to the restaurant operation is covered.
  • Preferred construction types are Fire Resistive, Modified Fire-Resistive, Masonry Non-Combustible and Non-Combustible.
  • Protection Class (PC) 1 – 6; Restaurant can be sprinklered /non sprinklered or equipped with monitored alarm systems.
  • Occupancy will have a functional building age not exceeding 25 years.
  • Restaurant must have adequate controls: UL 300 Compliant Kitchen Suppression System; Duct Cleaning Certification; Service Contract with a qualified grease inspecting & cleaning contractor.


  • AmTrust
  • QBE
  • CNA