-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
 MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen
 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 P/WHsBD2WRv4MFnF/0FA2rfDm351f4a3llTYJ+G2yPqIAXDmxpF0wjARtxhijrZ8
 0eUNZKibgSy9YDmkx0/qgA==

<SEC-DOCUMENT>0000793547-04-000006.txt : 20040121
<SEC-HEADER>0000793547-04-000006.hdr.sgml : 20040121
<ACCEPTANCE-DATETIME>20040121164436
ACCESSION NUMBER:		0000793547-04-000006
CONFORMED SUBMISSION TYPE:	3
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20040115
FILED AS OF DATE:		20040121

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			NAVIGATORS GROUP INC
		CENTRAL INDEX KEY:			0000793547
		STANDARD INDUSTRIAL CLASSIFICATION:	FIRE, MARINE & CASUALTY INSURANCE [6331]
		IRS NUMBER:				133138397
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		ONE PENN PLAZA
		STREET 2:		55TH FL
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10119
		BUSINESS PHONE:		2122442333

	MAIL ADDRESS:	
		STREET 1:		ONE PENN PLAZA 55TH FL
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10119

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			KIRBY JOHN F
		CENTRAL INDEX KEY:			0001276871

	FILING VALUES:
		FORM TYPE:		3
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-15886
		FILM NUMBER:		04535549

	BUSINESS ADDRESS:	
		STREET 1:		THE NAVIGATORS GROUP INC
		STREET 2:		ONE PENN PLAZA 55TH FL
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10119
		BUSINESS PHONE:		2126134218

	MAIL ADDRESS:	
		STREET 1:		THE NAVIGATORS GROUP INC
		STREET 2:		ONE PENN PLAZA 55TH FL
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10119
</SEC-HEADER>
<DOCUMENT>
<TYPE>3
<SEQUENCE>1
<FILENAME>jfkirbyform3_ex.xml
<TEXT>
<XML>
<?xml version="1.0"?>
<!-- - EDGAR Ease Plus 1.0                                   07/25/03  TT    -->
<ownershipDocument>
    <schemaVersion>X0201</schemaVersion>

    <documentType>3</documentType>
   <periodOfReport>2004-01-15</periodOfReport>
    <noSecuritiesOwned>1</noSecuritiesOwned>

    <issuer>
        <issuerCik>0000793547</issuerCik>
        <issuerName>NAVIGATORS GROUP INC</issuerName>
        <issuerTradingSymbol>NAVG</issuerTradingSymbol>
   </issuer>
   <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001276871</rptOwnerCik>
            <rptOwnerName>KIRBY JOHN F</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>THE NAVIGATORS GROUP INC</rptOwnerStreet1>
            <rptOwnerStreet2>ONE PENN PLAZA 55TH FL</rptOwnerStreet2>
            <rptOwnerCity>NEW YORK</rptOwnerCity>
            <rptOwnerState>NY</rptOwnerState>
            <rptOwnerZipCode>10119</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
            <reportingOwnerRelationship>
         <isDirector>1</isDirector>
         <isOfficer>0</isOfficer>
         <isTenPercentOwner>0</isTenPercentOwner>
         <isOther>0</isOther>
      </reportingOwnerRelationship>
   </reportingOwner>
   <ownerSignature>
      <signatureName>John F. Kirby</signatureName>
      <signatureDate>2004-01-20</signatureDate>
   </ownerSignature>
</ownershipDocument>

</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
-----END PRIVACY-ENHANCED MESSAGE-----