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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 two programs and do not save more than you pay in membership dues, your next RAM membership is FREE.
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Workers' Compensation Self Insurance Fund

Twenty-five years running, the Maryland Restaurant & Hospitality Self Insurance Fund (MRHSIF) is the Restaurant Association of Maryland's self-owned workers' compensation insurance designed specifically for the hospitality industry.
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​Property & Casualty Insurance Dividend Program

The State Auto Property & Casualty Insurance Dividend Program offers insurance holders an annual dividend payout potential you won't find anywhere else.  In 2017 over $147,000 in dividends were paid back to the members in the program.
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Insurance Agent

Rossmann-Hurt-Hoffman, Inc. is an independent insurance agent that helps Maryland businesses choose the right type and amount of insurance.
  - Contact: Courtney Watson, Rossmann-Hurt-Hoffman, Inc.
    (410) 465-4300 or cwatson@rhhinsurance.com

Credit Card Processing

Heartland offers competitive pricing on credit card processing with next-day funding, real-time reporting, POS and e-Commerce integration and no hidden fees.
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Healthcare Program

UnitedHealthcare offers exclusive healthcare pricing and solutions to RAM members through the Restaurant Healthcare Alliance.
  - Learn More​

Payroll Processing

Payce® payroll processing delivers best-in-class service and hassle-free POS/payroll integration.
  - Contact: Brian Pfeifer, Payce Payroll
    (443) 279-9000 or bpfeifer@paycepayroll.com

Electricity & Natural Gas

Sprague Electricity and Natural Gas programs offer fixed energy rates that protect your budget from volatile swings in the energy market.
  - Contact: Tom Gussen, Sprague Operating Resources
    (732) 440-0031 or tjgussen@spragueenergy.com

Music Licensing

As a member of the Restaurant Association of Maryland, you are entitled to special savings on your BMI Music License for Eating & Drinking Establishments! This program provides the following discounts for each individually licensed industry member of RAM:
  • 5% Membership discount
  • 5% Online Payment discount when you pay your licensing fees online
  • 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
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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 or call (800) 925-8451.​
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Legal Services

Franklin & Prokopik is a corporate law firm that offers comprehensive, affordable legal services to foodservice establishments in Maryland.
  - Contact: Members can call RAM to arrange a free legal consultation (410) 290-6800.

Manufacturer Rebate Program

Prime Source Purchasing collects manufacturer rebate rewards on food purchases your business makes and delivers a quarterly rebate check in the mail.
​  - Learn More​

Labor Law Compliance Posters

Osha4less helps business owners comply with the 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
* RAM Membership required to be eligible for these programs