The Navigators Group, Inc. is a holding company. The Company, through its subsidiaries, operates as an insurance company focusing on specialty products within the property and casualty insurance market. The Company�s product line is focused on ocean marine insurance. It operates through two segments: Insurance Companies and Lloyd�s Operations. The Company offers insurance for companies engaged in the diverse aspects of shipping, trade and transportation. The Insurance Companies segment consists of Navigators Insurance Company, which includes a United Kingdom Branch, and Navigators Specialty Insurance Company, which underwrites specialty and professional liability insurance on an excess and surplus lines basis. The Company�s Lloyd�s Operations segment includes Navigators Underwriting Agency Ltd. (NUAL), a Lloyd�s of London (Lloyd�s) underwriting agency which manages Lloyd�s Syndicate 1221 (Syndicate 1221).