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 31, 2006

                           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
   --------------------------------------------------------------------------
    (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 31, 2006, The Navigators Group, Inc. issued a press release
announcing its earnings for the second quarter of 2006. 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 31, 2006





     INDEX TO EXHIBITS

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

  99.1     Second Quarter Earnings Release dated July 31, 2006.