we are NAVIGATORS.
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 of London. Headquartered in New York City, Navigators has offices in major insurance centers in the United States, the United Kingdom and Continental Europe. LETTER FROM THE PRESIDENT Navigators is recognized as one of the largest ocean marine insurers in the world and underwrites many other specialty insurance products which include directors and officers liability, professional liability, primary casualty, excess casualty, engineering, energy, property and inland marine insurance. Navigators is committed to the principles of underwriting excellence and to conducting its business with integrity, professionalism and pride. R AT I N G S Coverage is underwritten by Navigators Insurance Company and Navigators Specialty Insurance Company which are both rated A [Excellent] by A.M. Best, and A [Stable] by Standard & Poor s, as well as Navigators Syndicate 1221 at Lloyd s of London. The common stock of The Navigators Group, Inc. trades on the NASDAQ Global Select Market under the symbol NAVG. We re Known For U N D E R W R I T I N G E X P E R T I S E You talk, we listen. Our seasoned underwriting specialists listen to business needs and respond by developing customized, innovative insurance solutions for our customers. We develop long-term partnerships with clients and pride ourselves on our reputation for handling complex risks. Q U A L I T Y P R O D U C T S Whether it is the marine liability requirements of a terminal operator in Hong Kong, the D&O insurance needs of an Israeli technology company or the contractual liability exposures of a California luxury homebuilder, Navigators has a track record of satisfying customer needs through innovative insurance solutions. E X E M P L A R Y S E R V I C E Service matters! We have a strong customer service culture and are proud of the quick turnaround time that results from the responsiveness of our knowledgeable and experienced professionals. Our underwriters have significant authority and we expect and empower them to make complex, risk-taking decisions. We deliver expertise, integrity and reliability. E X C E P T I O N A L C L A I M S H A N D L I N G Handling a claim is the absolute moment of truth between an insurer and a policy holder. That s why Navigators demonstrates our commitment to insureds by managing claims fairly and expeditiously. Our unparalleled claims services are complemented by exceptional litigation management resources to achieve the best possible results on claims, while providing the highest level of service to our insureds. The foundation of Navigators has been built upon integrity, professionalism and pride. With a history of more than 30 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 P R E S I D E N T & C H I E F E X E C U T I V E O F F I C E R
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. Marine Liability Blue Water Hull Brown Water Hull Cargo Specie Transport War Protection & Indemnity
ENERGY & ENGINEERING N A V T E C H 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 and Navigators Syndicate 1221 at Lloyd s of London. Bringing together decades of experience in technical risks, our experienced underwriters in London, Houston, Miami and New York 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 long-term solutions for their insurance needs. Offshore Energy Onshore Energy Operational Engineering Construction
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. Commercial Output Policy Construction Specialty Transportation
PROPERTY & CASUALTY N A V P A C NAV PAC brings a unique, specialist orientation to the standard commercial middle market. Our business consists predominantly of package accounts, including general liability, commercial automobile, commercial property, crime, inland marine and supported umbrella. The essence of NAV PAC comes out of having our seasoned underwriters doing business on the basis of relationships with an extremely limited number of carefully selected, appointed retail agents. With such a select group of agents, our underwriters can collaborate to build agency niche products that in some cases can even be proprietary. Underwriting expertise and quick turnaround time even same day on business opportunities is a trademark of NAV PAC s approach. General Property & Casualty Specialty Niches Well Drillers (Non-Fossil Fuel) Recyclers Life Science
Primary Casualty We pride ourselves on providing custom coverage solutions tailored to fit the needs of the construction and environmental 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. General Liability Environmental
EXCESS CASUALTY We provide commercial umbrella and excess capacity in specialties such as manufacturing and wholesale distribution, 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 agency communities, coupled with prompt, accurate policy servicing. From individual risks to coverage designed for niche specialty classes, we ve got it covered. Commercial Umbrella Commercial Excess Commercial Following Form
MANAGEMENT LIABILITY N A V P R O Navigators 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 of London. Our experience in this field ensures that you receive custom tailored coverage. Directors & Officers Liability Employment Practices Liability Fiduciary Liability Crime Coverage
Professional Liability N a v P r o Navigators Pro, a division of Navigators Management Company, Inc., specializes in management and professional liability insurance. Our team of underwriters is able to provide tailored policies to meet your clients needs. Navigators Professional Liability products are designed to protect against damages and claims expenses arising out of an act, error or omission that results in failure to render professional services for clients. These products can be tailored for law firms and their staff, accounting firms and their staff, insurance agents and brokers, as well as miscellaneous professional service firms. Lawyers Professional Liability Accountants Professional Liability Insurance Agent Errors & Omissions Miscellaneous Professional Liability
Navigators LONDON Navigators conducts its operations in London through a branch of Navigations Insurance Company and at Lloyd s though its wholly owned underwriting agency, Navigators Underwriting Agency Ltd, which provides the capacity and the management for Navigators Syndicate 1221. The unique licenses, chain of security and distribution system provided by Lloyd s allows Navigators to have a global reach to clients worldwide. Navigators is a well-established specialty underwriter at Lloyd s for a broad range of products. Marine Liability Protection & Indemnity Cargo Specie War Bluewater Hull Transport Energy (Offshore & Onshore) Construction & Operational Engineering Management & Professional Liability
Offices The Navigators Group, Inc. Reckson Executive Park 6 International Drive Rye Brook, NY 10573 (914) 934-8999 Navigators Insurance Company One Penn Plaza 32nd Floor New York, NY 10119 (212) 244-2333 Navigators Specialty Insurance Company One Penn Plaza 32nd Floor New York, NY 10119 (212) 244-2333 Navigators Management Company, Inc. Reckson Executive Park 6 International Drive Rye Brook, NY 10573 (914) 934-8999 19100 Von Karman Avenue Suite 280 Irvine, CA 92612 (949) 255-4860 515 South Flower Street, 36th Floor Los Angeles, CA 90071 (213) 236-3642 433 California Street Suite 300 San Francisco, CA 94104 (415) 399-9109 One PPG Place Pittsburgh, PA 15222 (412) 995-2255 55 Miracle Mile Suite 250 Coral Gables, FL 33134 (786) 871-5320 230 West Monroe Street Suite 1575 Chicago, IL 60606 (312) 506-8168 1375 East Woodfield Road Suite 720 Schaumburg, IL 60173 (847) 230-1930 10700 Sikes Place Suite 365 Charlotte, NC 28277 (704) 846-9500 6 Campus Drive First Floor Parsippany, NJ 07054 (973) 455-7140 Ten Penn Center 1801 Market St. Philadelphia, PA 19103 (267) 234-9885 Sage Park 1 2121 Sage Suite 145 Houston, TX 77056 (713) 629-5480 2101 Fourth Avenue Suite 910 Seattle, WA 98121 (206) 728-2315 2475 Northwinds Pkwy Suite 200 Alpharetta, GA 30009 (770) 753-6424 5457 Twin Knolls Rd Suite 101 Columbia, MD 21045 (443) 542-5854 Navigators Management (UK) Ltd. 2 Minster Court 4th Floor Mincing Lane London EC3R 7BB, England 011-44-207-220-6900 Navigators Underwriting Agency Ltd. 2 Minster Court 4th Floor Mincing Lane London EC3R 7BB, England 011-44-207-220-6900 Navigators A/S Raadhuspladsen 16 1550 Copenhagen Copenhagen, Denmark 011-45(8)-896-87-28 NUAL AB Stureplan 4C Stockholm, Sweden 114 35 011-46(8)-463-10-46 Navigators NV Heilig Hartstraat 14 2600 Antwerp Belgium 011-32-3285-9900 Navigators Underwriting Division, Lloyd s Reinsurance Company (China) Limited)* Azia Center, 33rd Floor 1233 Lujiazui Ring Road Pudong Shanghai, China 200120 0118621761628240 BRAZIL* Syndicate 1221 at Lloyds of London Avenida Almirante Barroso 52, Room 2401 Rio de Janeiro RJ Brazil 20031-918 +55 (21) 3266-1948 *In co-location with the local Lloyd s-of-london office.
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