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

                                 August 20, 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       (Commission                (I.R.S. Employer
      of Incorporation)            File Number)              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 5. Other Events and Regulation FD Disclosure

      On August 20, 2004, Endurance Specialty Holdings Ltd. issued the attached
press release, filed herewith as Exhibit 99.1 and incorporated herein by
reference.

Item 7. Financial Statements and Exhibits

      (c)   Exhibits

      The following exhibits are filed as part of this report:

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

         99.1           Hurricane Charley Press Release, issued August 20, 2004




                                   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: August 20, 2004


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




                                  EXHIBIT INDEX

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

   99.1           Hurricane Charley Press Release, issued August 20, 2004