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​RAM's hand-picked Cost Saving Programs offer highly competitive, members-only rates on the bills you're already paying.

These programs are backed by our RAM membership guarantee. If you enroll in at least two programs and do not save more than you pay in membership dues, your next year of RAM membership is FREE.
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Workers' Compensation Self Insurance Fund

  • Attractive rates
  • Payroll calculation excludes tips
  • No “expense constant” charges (typically $100-$160 fee charged by many plans)
  • Annual dividend potential
  • Self-funded plan ensures: high standards for acceptance, litigation of fraudulent claims, prompt service, component partners network, focus on loss prevention and control, rapid reporting, and close monitoring of employee progress

​Contact: Sarah Kramer - (410) 290-6800 - skramer@marylandrestaurants.com
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​Property & Casualty Insurance Dividend Program

  • Provides the only Property/Casualty Insurance Dividend Program in the state specifically for restaurants
  • Quality insurance protection with competitive, stable pricing
  • Annual dividend potential – up to 12% of earned premiums
  • 24-hour claims service
  • Access via any independent agent that represents State Auto
  • Online access to various loss control training materials, including model safety programs

​Contact: Sarah Kramer - (410) 290-6800 - skramer@marylandrestaurants.com
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Preferred Insurance Agent

  • Provides comprehensive insurance specific to the risk of restaurants, including food spoilage coverage due to faulty compressors, customer car damage coverage due to valet parking, and loss of income coverage due to power interruption
  • Liquor liability insurance
  • Workers’ compensation insurance
  • Represents all major restaurant property and casualty insurance markets

​Contact: Courtney Watson - (410) 465-4300 - courtney.watson@hubinternational.com

Credit Card Processing​ Discount Program

  • Heartland Secure Technology - Protect your business from a data breach with EMV, end-to-end encryption, and tokenization – all backed by our comprehensive Breach Warranty
  • Next Day and Weekend Funding - No more waiting for your money to be deposited
  • Consolidated Statements - Statements are straight-forward, easy to read and never have hidden fees

​Contact: Robert Higdon - (605) 940-9861 - Robert.higdon@heartland.us
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Healthcare Insurance Programs

Healthcare Program
  • Offers exclusive health care pricing and solutions through the Restaurant Healthcare Alliance
  • Up to a 5% discount on medical rates
  • Up to a 5% discount on all specialty benefits products (dental, vision, life and disability)

​Contact: Amy Hathaway - (269) 792-1207 - amyhathaway@uhg.com
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Health Insurance Comparisons
  • Provides RAM members with several options for health care coverage, dental insurance and optical plans
  • Comparative program rates and local billing
  • Information on rapid changes occurring in health care coverage
  • Local expertise and representation

​Contact: David Kelly - (410) 527-3400 or (800) 972-7227 - dkelly@kaig.com
  - Learn More​

Payroll Processing ​Discount Program

  • Offers expert service in payroll processing and tax deposits
  • 15% discount on current fee schedule for payroll services and W-2 processing
  • Guaranteed pricing for two years

​ Contact: Brian Pfeifer - (443) 279-9000 - bpfeifer@deluxe.com

Electricity & Natural Gas

Sprague Electricity Deregulation Program
  • Save time, save money
  • We shop electricity pricing for you
  • Custom energy solutions for your business
  • Personal customer service

Natural Gas Purchasing Discount Program
  • Budget certainty
  • Competitive rates: Better than “on the street” price for RAM members
  • No change in operation – no new meters required
  • Fixed flow price options available

 Contact: Tom Gussen - (732) 440-0031 - tjgussen@spragueenergy.com

Music Licensing Discount Provider

  • 5% online discount when a RAM Member pays their BMI licensing fees online
  • 5% discount on eating and drinking establishment fees
  • 10% ADDITIONAL individual Timely Payment discount when you pay within 30 days of each annual license renewal invoice
  • BMI customer service pledge < view the pdf

​Contact: Josh Lagersen - (615) 401-2832 - jlagersen@bmi.com
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​When licensing or paying online, customers will receive all of the applicable discounts as they move through the licensing process. For more information visit www.bmi.com/ede.​
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Legal Services

  • A corporate law firm that offers comprehensive, affordable legal services to foodservice establishments in Maryland
  • Offers a free legal consultation to RAM members

​Contact: Sarah Kramer - (410) 290-6800 - skramer@marylandrestaurants.com

Manufacturer Rebate Program

  • Earn money back on products you currently purchase
  • No up-front fees or additional cost to participate
  • Use your current distributors and suppliers
  • Rebate checks and purchasing summary are issued quarterly

​Contact: Sarah Kramer - (410) 290-6800 - skramer@marylandrestaurants.com
​  - Learn More​

Labor Law Compliance Posters

  • Osha4less.com helps businesses comply with labor laws and safety regulations through simple and cost-effective poster update services
  • Use coupon code M18RMD when ordering your 2018 All-In-One State and Federal Labor Law Poster and receive 20% off the retail price

​Contact: osha4less.com

Work Opportunity Tax Credit

Work Opportunity Tax Credits (WOTC) are tax credits given to employers by the Federal Government for hiring qualified employees.
  • Average WOTC benefit per qualified employee is $2,400 and can be up to $9,600
  • WOTC credits may be carried back one year and carried forward 20 years
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​To learn more about applying for WOTC go to: gmgsavings.com/services/wotc/
* RAM Membership required to be eligible for these programs