James River Insurance Company operates as an Excess & Surplus carrier in all 50 states plus Washington, DC. James River Insurance Company distributes its products through a relatively limited number of primarily wholesale brokers nationwide. Although we are focused on wholesale brokers almost exclusively, we will consider working with retail specialists when the opportunity is meaningful and it does not overlap significantly with our wholesale trading relationships.
Our underwriting approach is defined by our focus on underwriting profit. We are not afraid of unusual or high-hazard risks, but seek to understand the exposure of each account fully and price for each accordingly. We aspire to be a great underwriting organization, and the only true measure of that achievement is underwriting profitability, year-in and year-out through all phases of market cycles.