-----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,
 TEZD+kEB9qLfF2bz1X7I6REbZZ9uGw65tjO6T8q97oaDsNmuShYlmaXlAwdV7hPl
 kD0W+cjfD7ahurrJzgLCRw==

<SEC-DOCUMENT>0000793547-04-000031.txt : 20040715
<SEC-HEADER>0000793547-04-000031.hdr.sgml : 20040715
<ACCEPTANCE-DATETIME>20040715101149
ACCESSION NUMBER:		0000793547-04-000031
CONFORMED SUBMISSION TYPE:	3
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20040712
FILED AS OF DATE:		20040715

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			Keller Jane E
		CENTRAL INDEX KEY:			0001297060

	FILING VALUES:
		FORM TYPE:		3
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-15886
		FILM NUMBER:		04915019

	BUSINESS ADDRESS:	
		BUSINESS PHONE:		914-933-6025

	MAIL ADDRESS:	
		STREET 1:		THE NAVIGATORS GROUP, INC.
		STREET 2:		ONE PENN PLAZA
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10119

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
</SEC-HEADER>
<DOCUMENT>
<TYPE>3
<SEQUENCE>1
<FILENAME>janekeller_ex.xml
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0202</schemaVersion>

    <documentType>3</documentType>

    <periodOfReport>2004-07-12</periodOfReport>

    <noSecuritiesOwned>0</noSecuritiesOwned>

    <issuer>
        <issuerCik>0000793547</issuerCik>
        <issuerName>NAVIGATORS GROUP INC</issuerName>
        <issuerTradingSymbol>NAVG</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001297060</rptOwnerCik>
            <rptOwnerName>Keller Jane E</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>THE NAVIGATORS GROUP, INC.</rptOwnerStreet1>
            <rptOwnerStreet2>ONE PENN PLAZA</rptOwnerStreet2>
            <rptOwnerCity>NEW YORK</rptOwnerCity>
            <rptOwnerState>NY</rptOwnerState>
            <rptOwnerZipCode>10119</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>0</isDirector>
            <isOfficer>1</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>0</isOther>
            <officerTitle>SVP &amp; Chief Claims Officer</officerTitle>
        </reportingOwnerRelationship>
    </reportingOwner>

    <nonDerivativeTable>
        <nonDerivativeHolding>
            <securityTitle>
                <value>Common Stock</value>
            </securityTitle>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>8000</value>
                    <footnoteId id="F1"/>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </nonDerivativeHolding>
    </nonDerivativeTable>

    <footnotes>
        <footnote id="F1">Restricted shares subject to vesting at 25% per year.</footnote>
    </footnotes>

    <ownerSignature>
        <signatureName>Jane E. Keller</signatureName>
        <signatureDate>2004-07-14</signatureDate>
    </ownerSignature>
</ownershipDocument>

</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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