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Calvert County Business & Tourism Guide 2013
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Calvert County Business & Tourism Guide 2013
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Business licenses:
Starting a new business in Calvert County
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holding information, tax registration (taxes.marylandtaxes.com/Resource_ Library/) • Department of Assessment and Taxation with information on how to obtain a trade name (www.dat.state. md.us) • E-License, which allows you to begin the process by providing your information through E-License, but you must appear in person to process the application (jportal.mdcourts.gov/ license/)
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How to apply If you determine you need a license issued by the Clerk of the Circuit Court, you will need to appear in person to process the business license application. Currently, applications are processed only in an E-License format by presenting the information in person. You may begin the process by presenting the information online through E-License, but you must still visit our office to process the appliSee Licenses, Page 4
HUNTINGTOWN VOLUNTEER FIRE DEPARTMENT 4030 OLD TOWN ROAD HUNTINGTOWN, MD 20639 410.535.4439
1887847
To obtain a license, you must first determine what type of license you need, if any. The Clerk’s Office issues several types of licenses on behalf of the Comptroller of Maryland and the Calvert County Government. The Clerk’s Office will be happy to provide information regarding any of the licenses we issue and to assist with any of your procedural questions. Call 410535-1600, ext. 2264. However, they cannot provide any legal advice or be responsible for determining the type of license you should purchase. You can quickly obtain access to information on the permits and licenses you may need to start, relocate, or expand a business in Maryland by using the following links: • Business License Information System with startup information and an alphabetized list of all State licenses and permits (choosemaryland.org/ blis) • Comptroller of Maryland — Business Information and Services with business license tips, frequently asked questions, employer with-
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Calvert County Business & Tourism Guide 2013
Licenses Continued from Page 3
office is located at the Courthouse, 175 Main Street, Prince Frederick. 1. Complete the application by providing the following information to the Clerk: • Type of license for which you are applying • Owner’s name (Individual, Corporation, etc.) • Location address • Mailing address • Social Security Number or Federal Tax Identification Number • Phone number • Worker’s Compensation Policy Number or Certificate of Compliance Corporate ID Number and number of employees (if applicable) • Amount of inventory, if applying for a Trader’s License • Number of Vending Machines, if applying for a Vending Machine License • VIN number of vehicle, if applying for a Junk Dealer’s License 2. The application must be signed by the owner or a corporate officer. 3. Obtain the following necessary approval signatures: (obtain in order listed) • Planning & Zoning — must approve ALL new licenses and any changes of business location address. Planning & Zoning is located in the County Services Plaza, 150 Main Street, Prince Frederick. Call 410-535-2346 . • Assessment & Taxation — located across from the Courthouse in the Louis L. Goldstein State Office Building, 2nd floor, 200 Duke Street, Prince Frederick. Call 443-550-6840 . • Calvert County Treasurer’s Office — located 1st floor, Courthouse, 175 Main Street, Prince Frederick. Call 410-535-1600, ext. 2272. 4. Pay required license fees to the Clerk of the Circuit Court — cash or check only.
General information Courtesy copies of the applications for retail sales tax and trade name registration are available upon request. Please contact the appropriate issuing agency for more information about those applications or for information about other types of licenses not issued by the Clerk of the Circuit Court. For more information, visit www.co.cal. md.us.
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How to make your business plan stand out One of the first steps to business planning is determining your target market and why they would want to buy from you. For example, is the market you serve the best one for your product or service? Are the benefits of dealing with your business clear and are they aligned with customer needs? If you’re unsure about the answers to any of these questions, take a step back and revisit the foundation of your business plan. The following tips can help you clarify what your business has to offer, identify the right target market for it and build a niche for yourself.
Be clear about what you have to offer Ask yourself: Beyond basic products or services, what are you really selling? Consider this example: Your town probably has several restaurants all selling one fundamental product: food. But each is targeted at a different need or clientele.
One might be a drive-through fast food restaurant, perhaps another sells pizza in a rustic Italian kitchen, and maybe there’s a fine dining seafood restaurant that specializes in woodgrilled fare. All these restaurants sell meals, but they sell them to targeted clientele looking for the unique qualities each has to offer. What they are really selling is a combination of product, value, ambience and brand experience. When starting a business, be sure to understand what makes your business unique. What needs does your product or service fulfill? What benefits and differentiators will help your business stand out from the crowd?
Don’t become a jack of all trades – learn to strategize It’s important to clearly define what you’re selling. You do not want to become a jack-of-all trades and master of none, which can have a negative impact on business growth. As a smaller business, it’s often a better strat-
egy to divide your products or services into manageable market niches. Small operations can then offer specialized goods and services that are attractive to a specific group of prospective buyers.
Identify your niche Creating a niche for your business is essential to success. Often business owners can identify a niche based on their own market knowledge, but it can also be helpful to conduct a mar-
ket survey with potential customers to uncover untapped needs. During your research process, identify the following: • Which areas your competitors are already well-established • Which areas are being ignored by your competitors • Potential opportunities for your business Information provided by the U.S. Small Business Administration (www. sba.gov).
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Calvert County Business & Tourism Guide 2013
Locating your Calvert business in a new building? Infrastructure Businesses should review the area plan and find out where all infrastructure (water, sewer, etc.) is located before acquiring a site. Your engineer or surveyor should be able to help you locate existing infrastructure and/or the distance to the nearest infrastructure. You can research possible sites on the Calvert Prospector website at www.calvertprospector.com. For help, contact Economic Development at 410-535-4583. Is public water or sewer available? Contact the Department of Public Works Water and Sewer Division for more information on public and community water and sewer systems by visiting md-calvertcounty.civicplus. com/index.aspx?NID=132. Private well or septic system? Planning to serve food or drink? Soil percolation testing is required if you are constructing a new building on a septic system. If your property or business location is on well and septic, contact the Maryland State Health Department, Environmental Health
Division for more information. If you plan to prepare and/or serve food or drink, contact the Health Department for requirements on water testing, well and septic/sewer requirements, commercial kitchens, food preparation, food labeling and storage, etc. Roads, site entrance, public safety considerations A traffic study may need to be prepared by a traffic engineer and reviewed by the Department of Public Works. Where will a road entrance to my building/property be allowed? On state roads, contact the District 5 office of the Maryland State Highway Administration (roads.maryland. gov/pages/districts.aspx?did=d5). On county roads and other roads, contact the Department of Public Works Engineering/Transportation Division (mdcalvertcounty.civicplus.com/index. aspx?NID=781) Are there any public safety codes or regulations? Contact the Department of Public Safety Fire-Rescue-EMS Division
about possible fire lanes, fire suppression water tanks and other standards. Contact the Maryland State Fire Marshal office for state code regulations. Inspections and Permits coordinates with the State Fire Marshal who determines if any changes are needed to meet the state fire code.
Zoning, private covenants, construction permit requirements, environmental considerations Are you in a municipality? If so, check with the town hall to see the plans and regulations in the town. Chesapeake Beach and North Beach are both incorporated towns within Calvert County, and have separate governments and zoning regulations from the county and town center regulations. Are there private covenants? Contact the property owner, landlord or property management company to see if there are any covenants or restrictions on the property. Check the deed and/or the record plat to see
if there are any covenants which may affect your business plan. What about zoning? Determine the zoning of the property and ask Department of Community Planning & Building, Zoning, Permitting and Citizen Relations (www. co.cal.md.us/index.aspx?NID=812) to assist you in determining if the business is permitted at that location. You will also want to ask for information on zoning standards such as property and building setbacks, permitted uses, landscaping buffers, building size, parking, etc. Is my property/business in a town center? There are seven town centers in Calvert County (not including the incorporated towns of North Beach and Chesapeake Beach): Dunkirk, Owings, Huntingtown, Prince Frederick, St. Leonard, Lusby and Solomons. Each town center has its own master plan and zoning ordinance. You will have to get approval from the Architectural Review Committee for See Building, Page 12
Calvert County Business & Tourism Guide 2013
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Calvert County Business & Tourism Guide 2013
House Keys 4 Employees
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What is HK4E? HK4E is managed and administered by the Department of Housing and Community Development (DHCD). • HK4E is an employer partnership program to help Maryland’s workforce become homeowners through a creative match program with the State of Maryland. • HK4E enables eligible homebuyers to receive additional down payment and/or closing cost assistance on the purchase of a first home.
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• Any borrower who receives a contribution for down payment and/or closing cost assistance from a participating employer, local government, union, or nonprofit agency, and meets the eligibility criteria under the Maryland Mortgage Program (MMP), may participate in HK4E. • To receive the Calvert County contribution, purchasers must be first-time homebuyers and purchase a home in Calvert County, regardless of where their employer is located.
How does it work? • The employer’s contribution toward closing and down payment costs may be matched up to $2,500 by Calvert County Government (for a total local assistance amount of up to $5,000). • DHCD will then match local contributions dollar-for-dollar, up to $2,500. • The DHCD match is in the form of a 0 percent deferred loan that is repayable at the time of payoff or refinance, or upon the sale or transfer of the house. • DHCD also offers additional closing cost assistance programs (entitled DESLP or MMP Plus) which provide up to $5,000. Example: • Through a combination of state and local funds, eligible borrowers could receive up to $12,500 toward closing and down payment costs for the purchase of a home: –Participating Employer Contribution $2,500 –Calvert County Government Match $2,500 –HK4E State Match $2,500 –Add’l. Available State DSELP/MMP Plus Loan $5,000
Participating local employers
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• Calvert County Government • Calvert County Public School System • Royalle Dining Services • Chaney Enterprises • Collinson, Oliff and Associates, Inc. For more information, visit www.co.cal.md.us.
Calvert County Business & Tourism Guide 2013
Buying local benefits the environment, too Buying local has many benefits. But while consumers may know that shopping locally helps grow the community’s economy by supporting local business owners and creating jobs, they may not realize the positive impact that buying local can have on the environment as well. Eco-conscious consumers often go to great lengths to ensure their money is being spent in an environmentally friendly way. But one of the easiest ways to be an eco-friendly consumer is to support local businesses, which tend to benefit the environment in a variety of ways. • Shopping locally reduces the environmental impact of your purchases. When buying from a large national chain store, chances are the products you’re purchasing were produced outside of your local community, oftentimes halfway across the globe. That means those products had to be shipped to reach the store shelves in your community. Such shipping leads to greater fuel
consumption and air pollution. But local businesses often buy their supplies from other local businesses, cutting down on shipping and, as a result, benefitting the environment. • Local businesses often operate from the center of town. Local businesses typically need less space for their stores, which allows them to set up shop right in the heart of town as opposed to on the town’s outskirts. That makes local businesses more accessible to community residents, who might be able to walk or take a short bike ride to smaller, local businesses. On the contrary, larger chains tend to diversify their offerings and, as a result, need more space. This often pushes them to the fringes of towns, eliminating the possibility of walking to the store. That means consumers will have to drive to the store, increasing their fuel consumption and their carbon footprint as a result. • Shopping locally employs your neighbors, reducing their
Like us on
carbonfootprintsaswell.Another benefit to shopping locally that’s often overlooked is the impact it can have on your neighbors’ carbon footprint. Local businesses often employ members of the community, which translates to shorter commutes, less highway congestion and less fuel consumption. So while shopping locally reduces your carbon footprint, it’s also helping members of your community reduce their own potentially negative impact on the environment. • Shopping locally can protect local wildlife. Many people prefer to buy locally grown foods because they feel such foods are more fresh and buying locally grown foods reduces fuel consumption. Those things are true, but buying locally grown foods also can help protect local wildlife. When local farms can afford to stay in operation, local farmers are far less likely to sell their lands to developers. That can help protect the habitats of local wildlife.
Dunkirk Wine & Spirits
www.dunkirkwineandspirits.com 10802 Town Center Blvd., Dunkirk, MD 20754
Phone - 410-286-9235 Hours: Sunday 10am-7pm Mon-Sat 10am-9pm
1900086
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Calvert County Business & Tourism Guide 2013
Establishing a home-based business
in Calvert County
Zoning regulations Most houses are located in a Zoning District where businesses are limited, so as to protect the residential character of the surrounding community. Some important questions to ask: • Is your property located in Chesapeake Beach or North Beach? If so, check with the town hall to see if you are allowed to operate a business out of your home. Chesapeake Beach and North Beach are both Incorporated towns within Calvert County, and have separate governments and zoning regulations from the county and town center regulations. • Do I need a permit for my homebased business? Visit the Division of Inspections and Permits page at www.co.cal.md.us/ index.aspx?nid=497 to find more information on the permit process for Home Occupations. Contact Zoning, Permitting and Citizen Relations staff with any questions regarding zoning requirements by visiting www.co.cal.md.us/ index.aspx?NID=812. • Are there any private covenants? Check your deed, the record plat and with your Homeowner’s Association (HOA) to see if there are any subdivision covenants which would prohibit or limit a business in the house. • Do zoning regulations allow it? Determine the zoning of the property and ask Zoning, Permitting and Citizen Relations staff to assist you in determining if it is a permitted use at that location. If a special exception or variance is required, you may be
ning & Building staff to see if a professional drawing will need to be prepared and approved. Do you need Health Department approval? Contact the Health Department (www.calverthealth.org/) for more information on their regulations and approval process. The Environmental Health services office of the Health Department may need to review your permit if the business is proposed on a private well and/or septic system.
Building code standards
referred to the Board of Appeals. • Can you expand your existing business? Home-based businesses are limited in size and scale. Please also contact Development Review staff prior to expanding an existing business. • Will you want to have a sign? Please contact Development Review Staff for more information on what types and sizes are allowed. • Do you need a use permit? Submit an application for Home Occupation Permit to the Division of Inspections and Permits, for review and approval.
Community and infrastructure impacts A business at a residence can affect existing infrastructure, roads or the utilization of resources on a property. Some important questions to ask: • Is parking adequate for my business? • What about the road access and driveway entrance? • Are customers and clients coming to the business? • What kinds of drawings are needed in order to get a permit? Check with the Community Plan-
If changes in the existing residence are needed, then most improvements — except for cosmetic changes — will need to be done according to adopted construction codes. Some important questions to ask: • Is a permit needed? Any electrical work must be done by a licensed electrician. Any plumbing work must be done by a licensed plumber. In both cases, permits are required. • Most building construction must also be done with a permit. The use of a licensed home improvement company is highly recommended. • What about fire safety and handicapped accessibility? Inspections and Permits coordinates with the State Fire Marshal who determines if any changes are needed to meet the state fire code. • Calvert County’s Division of Inspections and Permits is responsible for enforcing Maryland’s Accessibility Code (COMAR 05.02.02) and the National Standard Plumbing Code’s requirements for restroom facilities.
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Unique ways to shop locally Shopping locally is a great way to benefit your community and, in many instances, your bottom line. When consumers shop locally, they help stimulate their local economies, creating jobs for their neighbors by helping local businesses grow and thrive. Shopping locally also saves shoppers long trips to the mall that can waste expensive fuel, especially if consumers don’t find what they’re looking for. Shopping locally is especially important when the economy is struggling, as smaller businesses are not always as capable of bearing the brunt of a recession as larger ones. The following are a handful of unique ways men and women can shop locally. • Forgo a traditional vacation. If you’re used to taking an annual trip to a Caribbean island or another faraway locale, forgo that trip this year and take a more local vacation instead. A local vacation can be similar to a staycation, when
you simply stay home, but spend some nights out on the town in your local community. Go out to eat, take in a concert or theater performance at a nearby theater or take the kids out for miniature golf. For those who feel the need to get away from home, consider a local bed and breakfast or another relaxing locale that’s close to home. You will still get the feel of a traditional vacation, but you won’t spend as much and you’ll be doing your part to help the local economy. • Visit a local amusement park. An amusement park is a fun way to spend an afternoon, but such parks are also beneficial for a local economy, creating jobs and attracting out-of-towners looking for a wholesome good time. When thinking about ways to shop locally, consider a trip to your local amusement park. You’re not likely to find a more fun way to help your community. • Hit the links. A round of
golf is another great way to stimulate your local economy. Municipally owned golf courses are owned by the municipality, which means each dollar you spend is money that’s going back into your community. And much like other local businesses, the golf course is no doubt employing your friends and neighbors, giving even more money back to your community. • Buy a preowned vehicle. Buying a preowned vehicle as opposed to a brand new car bought from a manufacturer is another way to shop locally. This is especially true if you buy your preowned vehicle from a private citizen. But buying from a local dealership can stimulate your local economy as well, as your community will benefit from the taxes on the vehicle and that dealership will continue to provide jobs for fellow members of your community. • Treat yourself to a spa treatment. Another unique
and indulgent way to support your local economy is to treat yourself to a spa day. The cost of a spa trip depends on what you prefer, but even a relatively inexpensive trip to the spa will support a local business. Plus, you’ll reap the rewards of
that support immediately. Shopping locally is more than just dining out or buying locally produced foods. Those who want to embrace shopping locally can do so in a variety of ways.
G R A C E B R ET ETHR HREN EN CHURCH
of Calvert C alvert County C ounty 9870 Old Solomon’s Island Road Owings, MD 20736
1900083
301.855.2955 410.257.0026
A Counseling Center for children, adolescents and adults “Helping Children and Families feel there best” Other Services: • Individual, group & family therapy • Couples therapy & Communication Skills • Mindful Breathing & Yoga for kids • Spanish Lessons for kids
1899913
Like us on Facebook and visit www.childrencenter.net Call 410-414-9901 or email Barstow.acresxx@yahoo.com 5690 Main Street, Prince Frederick, MD 20678
Website: www.calvertgrace.org Email: church@calvertgrace.org 1900091
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Building Continued from Page 6
the building and any signage. Refer to the town center page by visiting mdcalvertcounty.civicplus.com/index. aspx?nid=571. Do I need a building permit? All construction must be done according to an approved site plan and as per the applicable building codes. Review of building permits may include (but is not limited to) State Fire Marshal, Zoning, Architectural Review Committees, Public Works, Health Department, and the Soil Con-
servation District. You will also need a Use and Occupancy (U&O) permit before you can officially open for business to the public. Any electrical work must be done by a licensed electrician. Any plumbing work must be done by a licensed plumber. In both cases, permits are required. Please contact InspectionsandPermitsbyvisitingmdcalvertcounty.civicplus.com/index .aspx?nid=838. A pre-construction meeting is held at the site to make sure that owners, applicants, and contractors are aware of the conditions of approval. Can my business have a sign? For zoning regulations pertaining to signage, refer to the Calvert County Zoning Ordinance or the Town Center
Zoning Ordinance that applies, or contact Department of Community Planning & Building Zoning, Permitting and Citizen Relations for assistance. You may need to file a Sign Permit Application. If your business is located in a town center, you may have to seek Architectural Review Committee approval for signs. Environmental For information pertaining to environmental regulations on forest cover, wetlands, streams, flood plains, and the Chesapeake Bay Critical Area Program, refer to the Department of Community Planning & Building Environmental Section by visiting mdcalvertcounty.civicplus.com/index. aspx?nid=550.
Stormwater management For more information on storm water management regulations, contact the Department of Public Works Engineering/Transportation Division by visiting md-calvertcounty.civicplus. com/index.aspx?NID=781. How can you stay informed? Applicants may follow the status of their project on the Permit/Project Application Status System (PASS) page or contact Terry Williams, development navigator with the Department of Community Planning & Building at 410-535-1600, ext. 2642. For more information, visit www. co.cal.md.us.
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THE CALVERT COUNTY SHERIFF’S OFFICE AND DETENTION CENTER
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1899915
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Calvert County Business & Tourism Guide 2013
Patuxent Wine Trail Experience the beauty, the magic, the flavor The Patuxent Wine Trail presents the wineries of Calvert, Prince George’s and St. Mary’s counties, bounded by the Patuxent and Potomac rivers and the Chesapeake Bay. The birthplace of Maryland, the area is rich in history and flavor, home to many historical landmarks, lighthouses and quaint waterfront towns. The region offers stunning water vistas and beautiful rolling farmland that will soothe the soul. The area’s soil and climate are a close approximation of the famed Tuscany region, and local wine makers are creating sumptuous award-winning wines to rival those anywhere. Every aspect of the region’s charms are on display at the seven wineries on the Patuxent Wine Trail. Roam the trail and sample superb wines in a restored tobacco barn, on the slopes of a rolling vineyard or along the banks of a pristine creek. You will be treated with warm Southern Maryland hospitality and will take home a wealth of memories.
Local wineries include . . . • Cove Point Winery, a small micro-
winery in Lusby, is the first licensed and bonded winery in Calvert County. Cove Point obtains grapes and juice from local growers as well as other sources. Located at 755 Cove Point Road, Lusby. Call 410-326-0949. • Fridays Creek Winery, which boasts an acre of vines to tour and a larger vineyard down the road on the shores of the Patuxent. Located at 3485 Chaneyville Road, Owings. Call 410286-WINE. • Perigeaux Vineyards and Winery, a micro-winery specializing in making the highest quality wines from their own estate vineyards. Features 8 acres of vines on a 27-acre farm. Located at 8650 Mackall Road, St. Leonard. Call 410-586-2710. • Running Hare Vineyard, set on 300 acres in the heart of Calvert County. Features a landscape reminiscent of Napa with a unique vineyard. Located at 150 Adelina Road, Prince Frederick. Call 410-414-8486. • Solomons Island Winery, one of the first of a new generation of wineries in Maryland. Located at 515 Garner Lane, Lusby. Call 410-394-1933.
Staff photos by MEGAN SNIDER
Calvert County Business & Tourism Guide 2013
Haas Studio of Music
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1899931
Welcome to Calvert County!
Please support your chamber members by shopping them first. For a complete list of chamber member businesses refer to our website. www.calvertchamber.org
Calvert County Chamber of Commerce 120 Dares Beach Rd., P.O. Box 9 Prince Frederick, MD 20678 410.535.2577 • Fax 443.295.7213
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Calvert County Business & Tourism Guide 2013
1888030