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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 Insurance for Restaurants and Allied Members

​RAM is the most trusted name for Workers Comp Insurance for Restaurants
  • Competitive and Consistent Rates
  • Payroll calculation excludes tips
  • No “expense constant” charges (typically $100-$160 fee charged by many plans)
  • Over $8million in dividends have been awarded back to members in the program
  • 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

LEARN MORE ABOUT RAM'S WORKERS COMP INSURANCE PROGRAM
or
​Contact: Rich Linger - (410) 290-6800 - membership@marylandrestaurants.com

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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: Rich Linger - (410) 290-6800 - rlinger@marylandrestaurants.com

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
  - Learn More

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 (269) 792-1207 or email  at amyhathaway@uhg.com
*Some restrictions and exclusions apply. Discounts may vary by location and group size.
  - Learn More​
​Contact: Jackie Heffner, VP, Corporate Communications & Marketing
Telephone: 703.795.6387
Email: ​ jheffner@kellybenefits.com

Founded in 1976, Kelly Benefits began as a small health and life insurance agency serving associations and their members. Today, Kelly Benefits has evolved into one of the nation’s largest and fastest-growing providers of benefits administration and technology, broker and consulting services, payroll solutions and comprehensive tools and strategies to benefit businesses of all sizes. Headquartered in Sparks, Maryland, Kelly Benefits also has offices in the Greater Philadelphia and Washington, D.C. areas.  For more information - Click Here 

Restaurant Payroll & HR Solutions

Transform your restaurant business and take back your time. The Deluxe People Platform allows you to create an easy-to-use HR and payroll solution where you can conveniently have seamlessly integrated into a comprehensive platform that serves not only your business, but the people who help keep it going.

Deluxe Payroll Program - Learn More​
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Contact: Jim Brown 443-279-9000 or email ​jim.brown@deluxe.com

Electricity & Natural Gas

Sprague Electricity Deregulation Program
  • Fixed pricing contracts - lock in your rate before energy prices increase
  • 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: Melvin Thompson - (410) 290-6800 - mthompson@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