UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION

                             Washington, D.C. 20549
                      ------------------------------------


                                    FORM 8-K

                                 CURRENT REPORT

                       PURSUANT TO SECTION 13 OR 15(d) OF
                       THE SECURITIES EXCHANGE ACT OF 1934


Date of Report: February 13, 2004                    Commission File No. 0-15886
(Date of Earliest Event Reported:
        February 13, 2004)


                           THE NAVIGATORS GROUP, INC.
             (Exact name of registrant as specified in its charter)


             DELAWARE                                    13-3138397
(State or other jurisdiction of             (I.R.S. Employer Identification No.)
 incorporation or organization)


                                 One Penn Plaza
                            New York, New York 10119
                                 (212) 244-2333
               (Address, including zip code, and telephone number,
        including area code, of Registrant's principal executive offices)






Item 9.   Regulation FD Disclosure
Item 12.  Results of Operations and Financial Condition

          The following information is furnished pursuant to Item 9 "Regulation
FD Disclosure" and Item 12 "Results of Operations and Financial Condition." This
information shall not be deemed filed for purposes of Section 18 of the
Securities Exchange Act of 1934, as amended (the "Exchange Act") or incorporated
by reference into any filing under the Securities Act of 1933, as amended, or
the Exchange Act, except as shall be expressly set forth by specific reference
in such filing.

          On February 13, 2004, The Navigators Group, Inc. (the "Company")
issued a press release announcing its plan to strengthen reserves following a
review of asbestos-related exposures conducted by the Company. This press
release is attached hereto as Exhibit 99.1.

                                    SIGNATURE

          Pursuant to the requirements of the Securities Exchange Act of 1934,
the registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.


                                        THE NAVIGATORS GROUP, INC.
                                        ---------------------------
                                        (Registrant)


                                        /s/ Bradley D. Wiley
                                        -------------------------------------
                                        Name:   Bradley D. Wiley
                                        Title:  Senior Vice President, Financial
                                                Compliance Officer and Secretary



Date: February 13, 2004






     INDEX TO EXHIBITS

Number    Description
- ------    -----------

  99.1    Press Release dated February 13, 2004.