WE ARE INSURING A WORLD IN MOTION OUR COMPANY. RATINGS 230 West Monroe Street Chicago, IL (312) WHY NAVIGATORS.

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1 OUR COMPANY The Navigators Group, Inc. is an international specialty insurance holding company with insurance company operations, underwriting management companies and operations at Lloyd s. With its corporate headquarters in Connecticut and insurance operations based in New York and London, Navigators has offices in the United States, the United Kingdom and Continental Europe, as well as representatives in China and Brazil. Offices The Navigators Group, Inc. 400 Atlantic Street 8th Floor Stamford, CT (203) Navigators Insurance Company Navigators Specialty Insurance Company One Penn Plaza 32nd Floor New York, NY (212) Navigators Management (UK) Ltd. Navigators Underwriting Agency Ltd. 2 Minster Court 4th Floor Mincing Lane London EC3R 7BB United Kingdom +44 (0) Navigators NV Frankrijklei 115 4th Floor 2000 Antwerp Belgium +32 (328) Navigators Management Company, Inc Von Karman Avenue Suite 280 Irvine, CA (949) South Flower Street 25th Floor Los Angeles, CA (213) California Street Suite 400 San Francisco, CA (415) Wooster Heights Road Danbury, CT (203) Navigators A/S Ny Kongensgade 4, st Copenhagen, Denmark Alhambra Circle Suite 1101 Coral Gables, FL (786) Navigators AB Ingmar Bergmans gata Stockholm Sweden +46 (0) Oak View III 1150 Sanctuary Parkway 4th Floor, Suite 410 Alpharetta, GA (770) Lloyds Brazil Avenida Almiranta Barroso 52 Sala 2401 Rio de Janeiro Brazil +55 (21) Issue Date: October 2013 Navigators Underwriting Division Lloyd s Reinsurance Company (China) Ltd. 33rd Floor Azia Center 1233 Lujiazui Ring Road Pudong Shanghai China RATINGS 230 West Monroe Street Chicago, IL (312) Coverage 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 East Woodfield Road Suite 720 Schaumburg, IL (847) The common stock of The Navigators Group, Inc. trades on the NASDAQ Global Select Market under the symbol NAVG. Columbia Corporate Park University Boulevard Suites Ellicott City, MD (443) WHY NAVIGATORS As 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. 6 Campus Drive 1st Floor Parsippany, NJ (973) OUR SPECIALIST UNDERWRITERS ARE INDUSTRY LEADERS. 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 1801 Market Street Suite 2390 Philadelphia, PA (267) tailored solution. WE PROVIDE UNPARALLELED SERVICE. Time is money. Our underwriters are empowered to make decisions by having significant One PPG Place Suite 2301 Pittsburgh, PA (412) Sage Park Sage Suite 145 Houston, TX (713) Fourth Avenue Suite 1850 Seattle, WA (206) 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. WE ARE COMMITTED TO PROMPT AND EQUITABLE CLAIMS HANDLING. 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. WE ARE INSURING A WORLD IN MOTION OUR BALANCE SHEET IS SOLID. 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. WE ARE SMALL ENOUGH TO BE NIMBLE, BUT BIG ENOUGH TO MEET YOUR NEEDS. 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.

2 OUR COMPANY The Navigators Group, Inc. is an international specialty insurance holding company with insurance company operations, underwriting management companies and operations at Lloyd s. With its corporate headquarters in Connecticut and insurance operations based in New York and London, Navigators has offices in the United States, the United Kingdom and Continental Europe, as well as representatives in China and Brazil. Offices The Navigators Group, Inc. 400 Atlantic Street 8th Floor Stamford, CT (203) Navigators Insurance Company Navigators Specialty Insurance Company One Penn Plaza 32nd Floor New York, NY (212) Navigators Management (UK) Ltd. Navigators Underwriting Agency Ltd. 2 Minster Court 4th Floor Mincing Lane London EC3R 7BB United Kingdom +44 (0) Navigators NV Frankrijklei 115 4th Floor 2000 Antwerp Belgium +32 (328) Navigators Management Company, Inc Von Karman Avenue Suite 280 Irvine, CA (949) South Flower Street 25th Floor Los Angeles, CA (213) California Street Suite 400 San Francisco, CA (415) Wooster Heights Road Danbury, CT (203) Navigators A/S Ny Kongensgade 4, st Copenhagen, Denmark Alhambra Circle Suite 1101 Coral Gables, FL (786) Navigators AB Ingmar Bergmans gata Stockholm Sweden +46 (0) Oak View III 1150 Sanctuary Parkway 4th Floor, Suite 410 Alpharetta, GA (770) Lloyds Brazil Avenida Almiranta Barroso 52 Sala 2401 Rio de Janeiro Brazil +55 (21) Issue Date: October 2013 Navigators Underwriting Division Lloyd s Reinsurance Company (China) Ltd. 33rd Floor Azia Center 1233 Lujiazui Ring Road Pudong Shanghai China RATINGS 230 West Monroe Street Chicago, IL (312) Coverage 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 East Woodfield Road Suite 720 Schaumburg, IL (847) The common stock of The Navigators Group, Inc. trades on the NASDAQ Global Select Market under the symbol NAVG. Columbia Corporate Park University Boulevard Suites Ellicott City, MD (443) WHY NAVIGATORS As 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. 6 Campus Drive 1st Floor Parsippany, NJ (973) OUR SPECIALIST UNDERWRITERS ARE INDUSTRY LEADERS. 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 1801 Market Street Suite 2390 Philadelphia, PA (267) tailored solution. WE PROVIDE UNPARALLELED SERVICE. Time is money. Our underwriters are empowered to make decisions by having significant One PPG Place Suite 2301 Pittsburgh, PA (412) Sage Park Sage Suite 145 Houston, TX (713) Fourth Avenue Suite 1850 Seattle, WA (206) 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. WE ARE COMMITTED TO PROMPT AND EQUITABLE CLAIMS HANDLING. 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. WE ARE INSURING A WORLD IN MOTION OUR BALANCE SHEET IS SOLID. 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. WE ARE SMALL ENOUGH TO BE NIMBLE, BUT BIG ENOUGH TO MEET YOUR NEEDS. 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.

3 LETTER FROM THE PRESIDENT The foundation of Navigators has been built upon integrity, professionalism and pride. With a history of more than 40 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 Galanski PRESIDENT & CHIEF EXECUTIVE OFFICER

4 MARINE Navigators has been providing high-quality protection for global marine clients since 1974 and is today widely recognized as a premier marine insurance underwriting franchise in the industry. We offer protection for companies 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 expertise 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. products Marine Liability Blue Water Hull Brown Water Hull Cargo Specie Transport War Protection & Indemnity

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7 ENERGY & ENGINEERING NAV TECH 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. 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 exposures is founded on technical risk analysis, tailor-made products and the measured use of meaningful risk and aggregate capacity, offering our customers longterm solutions for their insurance needs. products Offshore Energy Onshore Energy Operational Engineering Construction Direct & Faculative Property

8 INLAND MARINE 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. products Commercial Output Policy Construction Specialty Transportation

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11 property & casualty 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 understanding of our clients risks, and quick turnaround time are trademarks. products Life Sciences Global Package Solutions Commercial Auto

12 Primary Casualty 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 industries. 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. products General Liability

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15 EXCESS CASUALTY 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. products Umbrella & Excess (Wholesale Brokerage) Umbrella & Excess (Retail Agency)

16 MANAGEMENT LIABILITY NAV PRO Nav 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. Our experience in this field ensures that you receive custom tailored coverage. products Directors & Officers Liability Employment Practices Liability Fiduciary Liability Crime Coverage Nonprofit D&O Liability

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19 professional Liability Nav Pro Navigators Pro, a division of Navigators Management Company, Inc., specializes 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. products Lawyers Professional Liability (Non-U.S. Domiciled) Accountants Professional Liability Insurance Agents & Brokers E&O Miscellaneous Professional Liability Technology, Media & Cyber Liability Architects & Engineers Liability Real Estate Professionals E&O

20 environmental LIABILITY Environmental responsibility and the accompanying liability goes far beyond recycling and reusing let Navigators Environmental assist in protecting 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 flexibility and industry experience. Our underwriters are engineers and specialists in this class of business and understand the growing range of environmental liabilities. We ll make sure your client s environmental risks are identified, understood, and well managed. products Contractors Pollution Liability Site Pollution Legal Liability Integrated General & Environmental Liability for Manufacturers & Distributors (NP3 SM ) Integrated General & Environmental Liability for Environmental Consultants (NP4 SM ) Environmental Excess

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22 Offices The Navigators Group, Inc. 400 Atlantic Street 8th Floor Stamford, CT (203) Navigators Insurance Company Navigators Specialty Insurance Company One Penn Plaza 32nd Floor New York, NY (212) Navigators Management (UK) Ltd. Navigators Underwriting Agency Ltd. 2 Minster Court 4th Floor Mincing Lane London EC3R 7BB United Kingdom +44 (0) Navigators NV Frankrijklei 115 4th Floor 2000 Antwerp Belgium +32 (328) Navigators A/S Ny Kongensgade 4, st Copenhagen, Denmark Navigators Underwriting Division Lloyd s Reinsurance Company (China) Ltd. 33rd Floor Azia Center 1233 Lujiazui Ring Road Pudong Shanghai China Navigators Management Company, Inc Von Karman Avenue Suite 280 Irvine, CA (949) South Flower Street 25th Floor Los Angeles, CA (213) California Street Suite 400 San Francisco, CA (415) Wooster Heights Road Danbury, CT (203) Alhambra Circle Suite 1101 Coral Gables, FL (786) Columbia Corporate Park University Boulevard Suites Ellicott City, MD (443) Campus Drive 1st Floor Parsippany, NJ (973) Market Street Suite 2390 Philadelphia, PA (267) One PPG Place Suite 2301 Pittsburgh, PA (412) Sage Park Sage Suite 145 Houston, TX (713) Fourth Avenue Suite 1850 Seattle, WA (206) Navigators AB Ingmar Bergmans gata Stockholm Sweden +46 (0) Oak View III 1150 Sanctuary Parkway 4th Floor, Suite 410 Alpharetta, GA (770) Lloyds Brazil Avenida Almiranta Barroso 52 Sala 2401 Rio de Janeiro Brazil +55 (21) West Monroe Street Chicago, IL (312) East Woodfield Road Suite 720 Schaumburg, IL (847) Issue Date: October 2013

23 OUR COMPANY The Navigators Group, Inc. is an international specialty insurance holding company with insurance company operations, underwriting management companies and operations at Lloyd s. With its corporate headquarters in Connecticut and insurance operations based in New York and London, Navigators has offices in the United States, the United Kingdom and Continental Europe, as well as representatives in China and Brazil. Offices The Navigators Group, Inc. 400 Atlantic Street 8th Floor Stamford, CT (203) Navigators Insurance Company Navigators Specialty Insurance Company One Penn Plaza 32nd Floor New York, NY (212) Navigators Management (UK) Ltd. Navigators Underwriting Agency Ltd. 2 Minster Court 4th Floor Mincing Lane London EC3R 7BB United Kingdom +44 (0) Navigators NV Frankrijklei 115 4th Floor 2000 Antwerp Belgium +32 (328) Navigators Management Company, Inc Von Karman Avenue Suite 280 Irvine, CA (949) South Flower Street 25th Floor Los Angeles, CA (213) California Street Suite 400 San Francisco, CA (415) Wooster Heights Road Danbury, CT (203) Navigators A/S Ny Kongensgade 4, st Copenhagen, Denmark Alhambra Circle Suite 1101 Coral Gables, FL (786) Navigators AB Ingmar Bergmans gata Stockholm Sweden +46 (0) Oak View III 1150 Sanctuary Parkway 4th Floor, Suite 410 Alpharetta, GA (770) Lloyds Brazil Avenida Almiranta Barroso 52 Sala 2401 Rio de Janeiro Brazil +55 (21) Issue Date: October 2013 Navigators Underwriting Division Lloyd s Reinsurance Company (China) Ltd. 33rd Floor Azia Center 1233 Lujiazui Ring Road Pudong Shanghai China RATINGS 230 West Monroe Street Chicago, IL (312) Coverage 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 East Woodfield Road Suite 720 Schaumburg, IL (847) The common stock of The Navigators Group, Inc. trades on the NASDAQ Global Select Market under the symbol NAVG. Columbia Corporate Park University Boulevard Suites Ellicott City, MD (443) WHY NAVIGATORS As 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. 6 Campus Drive 1st Floor Parsippany, NJ (973) OUR SPECIALIST UNDERWRITERS ARE INDUSTRY LEADERS. 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 1801 Market Street Suite 2390 Philadelphia, PA (267) tailored solution. WE PROVIDE UNPARALLELED SERVICE. Time is money. Our underwriters are empowered to make decisions by having significant One PPG Place Suite 2301 Pittsburgh, PA (412) Sage Park Sage Suite 145 Houston, TX (713) Fourth Avenue Suite 1850 Seattle, WA (206) 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. WE ARE COMMITTED TO PROMPT AND EQUITABLE CLAIMS HANDLING. 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. WE ARE INSURING A WORLD IN MOTION OUR BALANCE SHEET IS SOLID. 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. WE ARE SMALL ENOUGH TO BE NIMBLE, BUT BIG ENOUGH TO MEET YOUR NEEDS. 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.