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): July 30, 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 July 30, 2007, The Navigators Group, Inc. issued a press
release announcing its earnings for the second quarter of 2007. 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: July 30, 2007



     INDEX TO EXHIBITS

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

99.1     Second Quarter Earnings Release dated July 30, 2007.