James River Insurance Company is an Excess and Surplus Lines insurance company headquartered in Richmond, Virginia. The company is authorized to write on a non-admitted basis in all states (including Washington D.C.) except Ohio. Ohio-domiciled business is underwritten by James River Casualty Company.

James River distributes its products through specifically authorized surplus lines brokers.

The company underwrites brokerage, individual risk business through twelve distinct underwriting divisions - each organized around a specific industry group or coverage. James River's underwriting approach is characterized by its breadth of appetite, ability to create solutions, and excellent service.