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    • Awards Gala
    • Maryland ProStart Student Invitational >
      • 2020 MPSI Winners
    • Maryland Foodie Fest
    • World Food Championships
    • Brunch Battle
  • Government Affairs
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Property & Casualty Insurance

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State Auto® and the Restaurant Association of Maryland (RAM) have joined together to offer a Property/Casualty Insurance Dividend Program specifically designed for restaurants.

This program, available only to RAM members, gets you highly competitive rates and the potential to receive money back at the end of the year through a dividend payment.

About Property & Casualty Insurance

​Property & Casualty Insurance helps protect against financial losses a business can incur in an accident that causes damage to a person or their belongings. As a business owner or operator, you’ll want to be covered in the unlikely event that a person is injured on your property.

Benefits

​As the only active property/casualty dividend program in the state specifically for restaurant owners, you know you’re taking advantage of
one-of-a-kind benefit:
​
  • Quality insurance protection with competitive, stable pricing
  • Dividend potential of up to 12% of earned premiums
  • 24-hour claims service

State Auto is known throughout the industry for its superior claims service. If you have a claim with State Auto, you can reach them through
your agent or, if your agent is unavailable, by contacting their 24-hour claim service.
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Eligible Restaurant Operations

  • Family Style
  • Upscale Fine Dining
  • Fast Food
  • Caterers
  • Bagel Shops
  • Bakery, Cookie and Donut Shops​
  • ​Delicatessens or Sandwich Shops
  • Pizzerias (without delivery)

How to Enroll

If you are interested in enrolling in the program, contact RAM to learn more. You can also contact HUB International Mid-Atlantic - RAM’s preferred provider of insurance services. Courtney Watson at HUB International Mid-Atlantic can be reached at (410) 465-4300 or courtney.watson@hubinternational.com.

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From left: Marshall Weston of RAM, with Dan and Julie Stevens of Houlihan’s, symbolically accepting the 2015 dividend check from
Cass Anania of
HUB International Mid-Atlantic (formerly Rossmann-Hurt-Hoffman, Inc.) and Joe Meholic of State Auto.
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Mission: We promote, protect and improve the foodservice & hospitality industry in Maryland
 Restaurant Association of Maryland & ​Restaurant Association of Maryland Education Foundation
6301 Hillside Court - Columbia, MD 21046 ​Phone: (410) 290-6800
Office Hours: Monday - Friday
9:00am - 5:00pm

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