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The Navigators Group, Inc. is an international insurance holding company focused on specialty products within the overall property/casualty insurance market. The Company’s underwriting operations consist of insurance company operations and operations at Lloyd’s of London. Its product line includes ocean marine insurance, professional liability insurance and specialty liability insurance. It conducts operations through its insurance companies and Lloyd’s Operations. The Insurance Companies consist of Navigators Insurance Company, which includes a United Kingdom Branch (the U.K. Branch), and Navigators Specialty Insurance Company, which underwrites specialty and professional liability insurance on an excess and surplus lines basis fully reinsured by Navigators Insurance Company. The Company’s Lloyd’s Operations include Navigators Underwriting Agency Ltd. (NUAL), a Lloyd’s of London (Lloyd’s) underwriting agency, which manages Lloyd’s Syndicate 1221 (Syndicate 1221).