RAM recognizes that every retailer has a unique set of business needs, and that's why we offer our members a vast selection of insurance options and financial services through our affiliation with Association Benefits Insurance Agency. Being a RAM Member provides you and your employees the opportunity to meet both your personal and business financial goals through a complete array of financial services and insurance options. Whether it's our group health care plan, or our business continuation planning, each product is designed to provide first class protection at discount prices.

To get a quote, please contact Frank Michaud at ABI at 617-456-7800 x.226 or via email at fmichaud@abiagency.net

BUSINESS SERVICES AVAILABLE:
Worker's Compensation
Business Owners Property and Liability Insurance
Commercial Auto Insurance
Business Continuation Planning
Supplemental Executive Retirement Planning
Key Person Insurance

RESTAURANT INSURANCE PROGRAM:
Up to 40% Credits
EPLI 50,000
Loss of income – 18 months vs 12 months
Liquor Liability (50%-50% acceptable)
Equipment Breakdown
Food Borne Illness
Garage Keepers Coverage for Valet Services
Expanded Coastal Guidelines
Also: Premium Size discounts, experience credit, central station alarm credit,franchise credit, sprinkler credit and multiple location credit.

EMPLOYEE BENEFITS AVAILABLE:
Group Health Insurance
Group Life Insurance
Group Disability Insurance
401k and Retirement Planning
Defined Benefit Plans

HEALTH INSURANCE OPTIONS:
Partially Self Funded Health Plans with Guaranteed Costs
PPO Network No Referrals (No Gate Keeper)
Established Nationwide Carriers and Networks
Dedicated Health Agents for RAM Members
Health Plans Based on Group Experience (H.R.A.'s & H.S.A.'s)
Servicing Groups of One or Greater


PERSONAL SERVICES AVAILABLE
Disability Income Insurance
Life Insurance
Long Term Care Insurance
Education Funding Strategies
Annutities - fixed and variable