About James River Insurance Agency

James River Insurance Agency is an independent insurance agency that specializes in property and casualty, business and life insurance. We represent multiple insurance carriers so that we can find you the perfect fit for your home, auto, business and life insurance.

Having been in business in the Richmond area since August 1994, and with 59 years combined insurance experience, we know the insurance marketplace and what the people of Virginia need.

If you are unhappy with your current agent or insurance company, please call Todd Sumser.

There are several reasons to choose an independent insurance agent:

1. We give you excellent service and competitive prices because we can access the insurance coverage from more than one company.
2. Unlike other agents, we are not beholden to one company; thus, you don’t need to change agencies as your insurance and service needs change.
3. We assist you when you have a claim.
4. As your agent, we are your personal consultant, working with you to help determine your needs.
5. We offer you a choice of insurance plans and programs.
6. We are a value hunter, looking after your pocketbook by finding the best combination of price, coverage and service.
7. We offer one-stop shopping for a full range of products-home, renters, auto, business, and life. We can periodically review your coverage to keep up with your changing insurance needs.
8. We treat you like a person, not just another number.
9. Customer satisfaction is the key to an independent agent’s livelihood. Therefore, serving you is our most important concern.