UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                              WASHINGTON, DC 20549

                                    FORM 8-K

                                 CURRENT REPORT

     Pursuant to Section 13 or15 (d) of the Securities Exchange Act of 1934

          Date of Report (Date of earliest reported event): May 3, 2005

                           The Navigators Group, Inc.
             (Exact name of registrant as specified in its chapter)


      DELAWARE                       0-15886                    13-3138397
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     (State of                     (Commission                (I.R.S. Employer
    organization)                  File Number)              Identification No.)



One Penn Plaza, New York, NY                                       10119
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(Address of principal executive offices)                         (Zip Code)


       Registrant's telephone number, including area code: (914) 933-6025

Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any of the
following provisions (SEE General Instruction A.2. below):

[_]  Written communications pursuant to Rule 425 under the Securities Act (17
     CFR 230.425)

[_]  Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR
     240.14a-12)

[_]  Pre-commencement communications pursuant to Rule 14d-2(b) under the
     Exchange Act (17 CFR 240.14d-2(b))

[_]  Pre-commencement communications pursuant to Rule 13e-4(c) under the
     Exchange Act (17 CFR 240.13e-4(c))




Item 2.02 Results of Operations and Financial Condition
Item 7.01 Regulation FD Disclosure

     The following information is furnished pursuant to Item 2.02 "Results of
Operations and Financial Condition" and Item 7.01 "Regulation FD Disclosure".
This information, including the Exhibit attached hereto, 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 May 3, 2005, The Navigators Group, Inc. issued a press release
announcing its earnings for the first quarter of 2005. 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: May 3, 2005




     INDEX TO EXHIBITS

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

 99.1    First Quarter Earnings Release dated May 3, 2005.