UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                              WASHINGTON, DC 20549

                                    FORM 8-K

                                 CURRENT REPORT

     Pursuant to Section 13 or 15 (d) of the Securities Exchange Act of 1934

       Date of Report (Date of earliest reported event): February 14, 2007

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



     DELAWARE                        0-15886                    13-3138397
- --------------------------------------------------------------------------------
    (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) 933-6027

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 February 14, 2007, The Navigators Group, Inc. issued a press
release announcing its earnings for the fourth quarter of 2006. 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/ Elliot S. Orol
                                       -----------------------------------------
                                       Name:  Elliot S. Orol
                                       Title:  Senior Vice President, General
                                                Counsel and Secretary


Date: February 14, 2007




INDEX TO EXHIBITS

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

  99.1     Fourth Quarter Earnings Release dated February 14, 2007.