WE ARE INSURING A WORLD IN MOTION

OUR COMPANYThe Navigators Group, Inc. is an international commercial property & casualty specialty

insurance holding company with insurance company operations, underwriting management

companies and operations at Lloyd’s of London. Headquartered in New York City,

Navigators has local presences in communities across the United States, the United

Kingdom, Continental Europe, China and South America.

RATINGSCoverage is underwritten by Navigators Insurance Company and Navigators Specialty

Insurance Company which are both rated ‘A’ [Excellent] by A.M. Best, and ‘A’ [Strong]

by Standard & Poor’s, as well as Navigators Syndicate 1221 at Lloyd’s of London.

The common stock of The Navigators Group, Inc. trades on the NASDAQ Global Select

Market under the symbol NAVG.

WHY NAVIGATORSAs your partner, we have the expertise to underwrite complex specialty risks and develop

creative insurance solutions with some of the fastest response time in the industry.

O u r s p e c i a l i s t u n d e r w r i t e r s a r e i n d u s t r y l e a d e r s .

Specialists know more. We focus on complex niche insurance products and hire technically

skilled underwriters with a track record of accomplishment in those specific lines.

Each of these world-class specialists has the know-how and authority to develop a

tailored solution.

w e p r O v i d e u n pa r a l l e l e d s e r v i c e .

Time is money. Our underwriters are empowered to make decisions by having significant

local authority, and most of our policies are supported by state-of-the-art technology

that expedites policy issuance. That means quick responses and fast turnaround.

w e a r e c O m m i t t e d t O p r O m p t a n d e q u i ta b l e

c l a i m s h a n d l i n g .

Handling a claim is the absolute moment of truth between an insurer and a policy holder.

You can trust that we will be there with not only the knowledge, but the desire to resolve

claims expeditiously and fairly.

O u r b a l a n c e s h e e t i s s O l i d .

We are in the business of assuming risks from our policyholders. Our conservative

investment strategy skills are designed to give you peace of mind about our balance sheet.

w e a r e s m a l l e n O u g h t O b e n i m b l e , b u t b i g e n O u g h

t O m e e t y O u r n e e d s .

Our company is small enough so that our lean management team can quickly act upon

opportunities with limited bureaucracy and ready access to decision makers. At the same

time, we are big enough to provide meaningful capacity, a global reach, and a strong

balance sheet. We can meet your risk transfer needs from New England to China.

LETTER FROM THEPRESIDENT

The foundation of Navigators has been built

upon integrity, professionalism and pride. With a

history of more than 30 years in business and a

track record of consistent, favorable performance,

we’ve never been stronger than we are today.

That strength comes not only from our financial

resources, but directly from our intellectual

capital. The caliber and tenure of the people we employ plays a critical

role in our past, present and continued success. From our world-class

underwriting specialists who are empowered to analyze complex exposures

and develop sophisticated solutions, to our first-rate claims professionals

who fairly and expeditiously resolve claims, our teams are here to deliver

customer excellence and a superb experience to our agents, brokers and

customers alike.

I’m really excited about the future of our company. We hope to exceed

customer expectations through the continued execution of our strategy,

strength in underwriting expertise, the delivery of new products and

services, and an unwavering commitment to the highest standards of

governance and compliance.

Regards,

Stan GalanskiP R E S I D E N T & C H I E F E X E C U T I V E O F F I C E R

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Navigators has been providing high-quality protection for global marine

clients since 1974 and is today widely recognized as a premier marine insur-

ance underwriting franchise in the industry. We offer protection for compa-

nies engaged in the diverse aspects of shipping, trade and transportation,

creating tailored solutions and providing superior claims handling to insure

a world in motion. Whether insuring the hull of a blue water vessel, covering

your valuable cargo, or protecting against the risk of war, Navigators’ ex-

pertise provides you security to help maintain stability for your business. As

specialists and respected leaders in the marketplace, you can rest assured

that we have everything covered.

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• Marine Liability

• Blue Water Hull

• Brown Water Hull

• Cargo

• Specie

• Transport

• War

• protection & Indemnity

p r o d u c t s

MARINE

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Navigators Technical Risk (or “Nav Tech”) is a global underwriter of

upstream and downstream energy, construction and engineering-related

insurance and reinsurance risks through Navigators Insurance Company’s

outlets around the world, as well as Navigators’ Syndicate 1221 at Lloyd’s of

London. Bringing together decades of experience in technical risks, our

experienced underwriters in London, Houston, New York and Rio de Janeiro

allow us to serve our energy and engineering customers through a unified

global approach. We believe the success of underwriting these complex ex-

posures is founded on technical risk analysis, tailor-made products and the

measured use of meaningful risk and aggregate capacity, offering our

customers long-term solutions for their insurance needs.

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• Offshore energy

• Onshore energy

• Operational engineering

• Construction

p r o d u c t s

ENERGY & ENGINEERINGN a V T e C H

Our solution-focused, in-depth experience in underwriting, claims,

loss control and product customization is the foundation of Navigators’

Inland Marine division. Our advantages include offering a wide range of

inland marine products which can meet our clients’ specialized needs.

Our knowledge and expertise allow us to provide superior customer

service, including fast and accurate quotes and policy terms. Let our

team of experts assist you in providing a customized solution for your

client’s individual requirements.

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• Commercial Output policy

• Construction

• Specialty

• Transportation

p r o d u c t s

INLAND MARINE

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Our property & casualty business brings a unique, specialist orientation

to the standard commercial middle market for targeted industries and

exposures. We offer tailored coverage for the Life Sciences industry as well

as U.S. companies with foreign exposures. Our seasoned underwriters do

business on the basis of relationships with brokers and agents specializing

in these risks. Underwriting expertise, solutions drafted with a deep under-

standing of our clients’ risks, and quick turnaround time are trademarks.

p r o d u c t s

PROPERTY & CASUALTY

• Life Sciences

• Global package Solutions

• Supported auto

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We pride ourselves on providing custom coverage solutions tailored to fit the

needs of the construction, environmental and life sciences markets. Building

on over a decade of experience in this line of business, Navigators continues

to pride itself on its ability to cover especially complex risks in these indus-

tries. Ranked as one of the top Excess & Surplus insurers in the industry, we

can provide all your casualty coverage needs and back it with our exceptional

financial strength to provide you with the quality, simplicity and confidence

you deserve.

• General Liability

p r o d u c t s

PRIMARY CASUALTY

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We provide commercial umbrella and excess capacity in specialties such as

manufacturing and wholesale distribution, real estate and hotel managers,

commercial and residential construction, construction projects, wrap-up

covers and many others. Our experienced underwriters provide responsible

coverage solutions tailored separately to the unique needs of the wholesale

broker and retail broker communities, coupled with prompt, accurate policy

servicing. From individual risks to coverage designed for niche specialty

classes, we’ve got it covered.

• Umbrella & excess (Wholesale Brokerage)

• Umbrella & excess (Retail agency)

p r o d u c t s

EXCESS CASUALTY

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• Directors & Officers Liability

• employment practices Liability

• Fiduciary Liability

• Crime Coverage

• Nonprofit D&O Liability

p r o d u c t s

Navigators Pro, a division of Navigators Management Company, Inc.,

specializes in management and professional liability insurance. Our team of

premiere underwriters specializes in this class of business so that we can

tailor policies to the specific need of a client. We underwrite Directors and

Officers liability insurance for companies covering losses resulting from

claims, including securities claims over wrongful acts. Our liability insurance

is written domestically by Navigators Insurance Company and internationally

through Navigators’ Syndicate 1221 at Lloyd’s of London. Our experience

in this field ensures that you receive custom tailored coverage.

MANAGEMENT LIABILITYN a V p R O

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Navigators Pro, a division of Navigators Management Company, Inc., spe-

cializes in management and professional liability insurance. Our team of

premier underwriters specializes in this class of business so that we can

tailor policies to your needs and help you get the coverage you desire. In

today’s litigious environment, having a specialist underwriter on your side

is the best investment you can make.

• Lawyers professional Liability

• accountants professional Liability

• Insurance agents & Brokers errors & Omissions

• Miscellaneous professional Liability

• Technology, Media & Cyber Liability

• Design professionals Liability

• Real estate professionals e&O

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PROFESSIONAL LIABILITYN a V p R O

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• Contractors pollution Liability

• Site pollution Legal Liability

• Integrated General & environmental Liability for Manufacturers & Distributors (Np3SM)

• Integrated General & environmental Liability for environmental Consultants (Np4SM)

• environmental excess

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Environmental responsibility and the accompanying liability goes far be-

yond recycling and reusing—let Navigators Environmental assist in protect-

ing your client’s balance sheet by actively managing their environmental

risks. We are your partner in providing creative risk solutions tailored for

your client’s pollution liability exposures by using our underwriting flexibil-

ity and industry experience. Our underwriters are engineers and specialists

in this class of business and understand the growing range of environmen-

tal liabilities. We’ll make sure your client’s environmental risks are identi-

fied, understood, and well managed.

ENVIRONMENTAL LIABILITY

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www.navg.com

the navigators group, inc.Reckson Executive ParkSix International DriveRye Brook, NY 10573(914) 934-8999

navigators insurance companynavigators specialty insurance companyOne Penn Plaza32nd FloorNew York, NY 10119(212) 244-2333

navigators management (uK) ltd.navigators underwriting agency ltd.2 Minster Court4th FloorMincing LaneLondon EC3R 7BBUnited Kingdom+44 (0) 207-220-6900

navigators nvFrankrijklei 1154th Floor2000 AntwerpBelgium+32 (328) 599-00

navigators a/sRadhuspladsen 161550 CopenhagenDenmark+45 88-96-87-28

nual abIngmar Bergmans gata 2114 34 StockholmSweden+46 (0) 8 410-268-80

navigators management company, inc.19100 Von Karman AvenueSuite 280Irvine, CA 92612(949) 255-4861

444 South Flower Street25th FloorLos Angeles, CA 90071(213) 271-2973

433 California StreetSuite 300San Francisco, CA 94104(415) 399-9109

83 Wooster Heights RoadDanbury, CT 06810(203) 546-2850

355 Alhambra CircleSuite 1101Coral Gables, FL 33134(786) 871-5320

2475 Northwinds ParkwaySuite 200Alpharetta, GA 30009(770) 753-6424

230 West Monroe StreetChicago, IL 60606(312) 506-8140

1375 East Woodfield RoadSuite 720Schaumburg, IL 60173(847) 230-1930

Columbia Corporate Park 1006011 University BoulevardSuites 280-290Ellicott City, MD 21043(443) 364-5938

6 Campus Drive1st FloorParsippany, NJ 07054(973) 455-7140

Reckson Executive ParkSix International DriveRye Brook, NY 10573(914) 934-8999

10706 Sikes PlaceSuite 150Charlotte, NC 28277(704) 846-9500

495 Thomas Jones WaySuite 302Exton, PA 19341(610) 884-4469

1801 Market StreetSuite 2390Philadelphia, PA 19103(267) 234 9877

One PPG PlaceSuite 2301Pittsburgh, PA 15222(412) 995-2250

Sage Park 12121 SageSuite 145Houston, TX 77056(713) 629-5480

2101 Fourth AvenueSuite 1850Seattle, WA 98121(206) 728-2315

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