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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

“The Board of Directors of the Maryland Restaurant & Hospitality Self Insurance Fund recognizes the financial emergency many of its Members are experiencing this year. In conjunction with the Restaurant Association of Maryland, MR&HSIF has approved an accelerated distribution of the dividend declared for program year 2019. Members insured through the program can expect their dividends to be paid by check prior to year-end; typically the dividends are applied against the renewal premium.” 
November 18, 2020
  • 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

​  - Learn More

Group Purchasing & Manufacturer Rebate Program
  • RAM refers our members to Dining Alliance, a GPO (Group Purchasing Organization) that gives manufacturer discounts and the buying power of national chains to local, individual restaurants
  • Entirely free to enroll, no added work for you - just sign in and purchase as you would
  • Receive cash rebates quarterly, based off of hundreds of brand-name products you already purchase
  • Dining Alliance is partnered with over 350 manufacturers to offer rebates on over 165,000 line items
  • Other discounts on paper goods, clothing (like ChefWorks and Skechers), and more
  • DirecTV discount available to members on standard bills, plus NFL Sunday Ticket

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

​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

 Exclusive Health Care Discounts from UnitedHealthcare*
UnitedHealthcare offers the following health care discounts for RAM members:
  • Up to a 5% discount on manual medical rates for fully insured groups with 51 or more eligible employees.
  • An annual invoice credit of up to 5% on administrative fees for new self-funded medical products for self-funded groups with 100 or more eligible employees.
  • Up to a 5% discount on specialty benefits (dental, vision, life, disability, accident and critical illness) for fully insured groups.
  • Discounts are available to all member businesses, including allied/supplier members. 
For more information on exclusive Health and Wellness solutions for RAM members, contact Amy Hathaway at amyhathaway@uhg.com
*Some restrictions and exclusions apply. Discounts may vary by location and group size.
​Contact: Amy Hathaway - (269) 792-1207 - amyhathaway@uhg.com
  - Learn More​
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
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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

Learn More

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. Visit www.bmi.com/ede or download our flyer with more information.
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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

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 RAM20 when ordering your 2020 All In One State and Federal Labor Law Poster and receive 20% off the retail price

​Contact: osha4less.com
* RAM Membership required to be eligible for these programs