1 EXHIBIT 21-1 THE NAVIGATORS GROUP, INC. AND SUBSIDIARIES FOR THE YEAR ENDED DECEMBER 31, 1996 SUBSIDIARIES OF THE REGISTRANT JURISDICTION IN NAME WHICH ORGANIZED ------------------------------------------------ ------------------- Navigators Insurance Company New York NIC Insurance Company New York Somerset Marine, Inc. New York Somerset of Georgia, Inc. Georgia Somerset Insurance Services of Texas, Inc. Texas Somerset Insurance Services of California, Inc. California Somerset Insurance Services of Washington, Inc. Washington Somerset Property, Inc. New York Somerset Re Management, Inc. Delaware Navigators Management Corporation New York Somerset Casualty Agency, Inc. New York Somerset Marine Aviation Property Managers, Inc. New Jersey Somerset Asia Pacific Pty Limited Sydney, Australia Somerset Marine (UK) Limited London, UK Navigators Corporate Underwriters, Ltd. London, UK