Workers’ Compensation Insurance

Maryland Restaurant & Hospitality Self-Insurance Fund (MRHSIF) is a workers’ compensation insurance program owned by the Restaurant Association of Maryland (RAM). The Maryland Tourism Coalition has partnered with RAM to bring the insurance to our members**. As a member of an association that represents the hospitality industry in Maryland, you are eligible to receive this insurance. Roughly 300 restaurants, breweries, wineries, distilleries, hotels, country clubs, distributors, grocery stores and others participate.

** In order to purchase MRHSIF, you must be an MTC Allied member of RAM.
Cost is and
additional $50 a year and is paid directly to RAM

RAM Workers’ Comp Insurance Benefits


Here are some of the reasons why you should get your workers’ compensation insurance through the Restaurant Association of Maryland:


  • Competitive and consistent rates – RAM is not an up-and-down market like other carriers
  • Superior claims and customer service – RAM members don’t have time to wait, we get answers and are there to help
  • We fight fraudulent claims – many other carriers choose to pay rather than go through the “hassle”, to the detriment of your experience rating
  • Outstanding loss control services – this enables the Fund to make a profit and pay dividend checks back to the members
  • Management and staff training – we can help bring your claims and losses under control to keep your rates low
  • Fund Board of Directors – As a voting member you have a say in how the Fund is managed and run

MTC Allied Membership is just $50/year
and includes the following:

  • Save money through RAM’s Cost Saving Programs
  • Your company’s listing in our Buyers’ Guide with logo, website, social media, and company description
  • Continuous customer referrals
  • Full mailing list of all RAM members, updated monthly
  • Access to RAM’s Targeted Marketing and Creative Services program at a discount rate
  • Exclusive invites to RAM events – all are great networking opportunities! This includes two free, member-only events: Annual Member Meeting every June and Holiday Party every December
  • Sponsorship opportunities throughout the year to showcase your product or service
  • Receive our biweekly member newsletter and stay up to date with industry news through our legislative alerts
    • Includes 1 free newsletter shoutout when you sign up as a new member!
  • Use our ‘Proud Member of RAM’ logo to show your support of our industry – use it on your website, printed materials, etc.

If you want to sign up to join the Restaurant Association for the discounted rate of just $50, please contact Ruth Toomey or Stuart Rice.