Contact Information

General Mailing Address Print The Directory
501 Wampanoag Trail, Suite 301
East Providence, RI 02915

Main Telephone: 401-438-6511
After-Hours Claims Service: 877-704-5550
Claims Fax: 401-434-6094
General Fax: 401-438-6990
General e-mail:


Director of Property & Casualty Underwriting

Shannon E. Ruff

ext. 565

Coverage Inquiries, Premium and Rate Inquiries, Endorsement and Policy Change Requests, and issuance of insurance documents such as Certificates of Insurance and Evidence of Insurance Forms

Biography of Shannon E. Ruff

Shannon joined The Trust as Senior Property & Casualty Insurance Underwriter in 2012 and was promoted to Director of Property & Casualty Underwriting in 2014. Shannon is responsible for developing and fine-tuning the underwriting models and strategies used to establish Member premiums, for working with The Trust’s various reinsurers, and for supporting the work of the Board’s Underwriting Committee. Shannon brings 10 years of underwriting experience with two private insurers to The Trust, including her recent work as a Commercial Lines Underwriting Manager. She has other related insurance experience in claims adjudication as well, and holds a Bachelor of Arts degree in Political Science and English and Textual Studies from Syracuse University.

Property & Casualty Underwriter

Lori A. Banno, CIC, AAI, API, AIS

ext. 532

Coverage Inquiries, Certificates of Insurance and Evidence of Insurance documents, Audit Process and Electronic Device Program

Biography of Lori A. Banno, CIC, AAI, API, AIS

Lori A. Banno joined The Trust in 2015 as Property & Casualty Underwriter. Lori comes to The Trust with more than 25 years of insurance and underwriting experience. She spent the last 13 years working in various positions for Providence Mutual Fire Insurance Company, most recently as Property/Liability Underwriting Analyst/Project Leader. Lori holds designations a Certified Insurance Counselor (CIC), Accredited Advisor of Insurance (AAI), Associate in Insurance Service (AIS). She is currently enrolled in classes to obtain a designation in Chartered Property Casualty Underwriting (CPCU).

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