UNITED STATES
                       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



         Date of Report (Date of Earliest Event Reported): May 12, 2003


                           THE NAVIGATORS GROUP, INC.
             (Exact Name of Registrant as Specified in its Charter)


                                    Delaware
                 (State or Other Jurisdiction of Incorporation)

         0-15886                                              13-3138397
(Commission File Number)                                   (I.R.S. Employer
                                                        Identification Number)
       One Penn Plaza
     New York, New York                                          10119
(Address of Principal Executive Offices)                        (Zip Code)

                                 (212) 244-2333
              (Registrant's Telephone Number, Including Area Code)




          (Former Name or Former Address, if Changed Since Last Report)






ITEM 9. Regulation FD Disclosure

The following information is furnished pursuant to Item 9 "Regulation FD
Disclosure" and Item 12 "Results of Operations and Financial Condition." This
information 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 12, 2003, The Navigators Group, Inc. issued a press release announcing
its earnings for the first quarter of 2003. 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.


                       By:    /s/ Bradley D. Wiley
                                 -----------------------------------------------
                              Name:  Bradley D. Wiley
                              Title: Senior Vice President, Chief Financial
                                     Officer and Secretary




Dated: May 16, 2003










                                INDEX TO EXHIBITS

Number    Description
99.1      Press Release issued by The Navigators Group, Inc. on May 12, 2003.