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

                                  July 26, 2004
                Date of Report (Date of earliest event reported)

                        Endurance Specialty Holdings Ltd.
             (Exact name of registrant as specified in its charter)

            Bermuda                        1-31599                 98-032908
(State or Other Jurisdiction of    (Commission File Number)    (I.R.S. Employer
         Incorporation)                                      Identification No.)

           Wellesley House, 90 Pitts Bay Road, Pembroke HM 08, Bermuda
          (Address of principal executive offices, including zip code)

                                 (441) 278-0440
              (Registrant's telephone number, including area code)

                                 Not Applicable
          (Former name or former address, if changed since last report)



Item 12. Results of Operations and Financial Condition

      On July 26, 2004, Endurance Specialty Holdings Ltd. issued a press release
reporting its results for the quarter ended June 30, 2004. The press release is
attached hereto as Exhibit 99.1 and is incorporated herein by reference. In
addition, a copy of the Endurance Specialty Holdings Ltd. Investor Financial
Supplement for the quarter ended June 30, 2004 is attached hereto as Exhibit
99.2 and is incorporated herein by reference.

      In accordance with general instruction B.6 of Form 8-K, the information in
this report, including exhibits, furnished pursuant to Item 12 shall not be
deemed "filed" for the purposes of Section 18 of the Securities Exchange Act of
1934, or otherwise subject to the liability of that section.



                                   SIGNATURES

      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 thereunto duly authorized.

Dated: July 26, 2004


                                            By: /s/ John V. Del Col
                                                --------------------------------
                                            Name:  John V. Del Col
                                            Title: General Counsel & Secretary



                                  EXHIBIT INDEX

Exhibit No.    Description
- -----------    -----------

   99.1        First Quarter Results of Operations Press Release, dated July 26,
               2004

   99.2        Investor Financial Supplement for the quarter ended June 30, 2004