Navigators Group Inc's Customers Performance

P&C – Our P&C operating segment brings a unique, specialist orientation to the standard commercial middle market for targeted industries and exposures.


Professional Liability – Our Professional Liability operating segment provides niche insurance solutions for numerous Professional Liability risks.
Our underwriting segments and operating segments noted above are comprised of business divisions and/or products.
A summary of our U.S. Insurance – U.S. Marine operating segment by product is as follows:

U.S. Marine Products
Cargo – We offer all-risk coverage for manufacturing, importers, exporters and freight forwarders with available coverage enhancements including domestic and international inland transit, warehouse storage and exhibition coverage.
Craft – We offer coverage for physical damage and third party liability coverage for tugs, barges, port/harbor vessels and other miscellaneous commercial craft.
Hull – We offer various coverages for owner/operators of commercial vessels including bulk, dry, tank, passenger and other ocean going vessel types.
Inland Marine – Products include builders risk including renovation and repair, installation processes, contractors’ equipment and various other inland marine coverages. Tailored products and services for truckers, warehousing, inland shippers including coverage for commercial transit and legal liability are offered.
Marine Liability – Products include coverage for liability to third parties for bodily injury or property damage stemming from marine-related operations, including but not limited to terminals, marinas and stevedoring. We focus on the associated liability exposures of multi-national corporations, small to medium size marine operations.
Other products offered: Customs Bonds, Fishing Vessels, Transport, War and Other Marine.




U.S. P&C Products by Division
Energy & Engineering
Onshore Energy – Our insurance offerings include coverage for physical loss or damage to refineries and process plants in the oil, gas and petrochemical industries, with coverage for principal perils including fire, explosion, machinery breakdown and, in some cases, natural perils such as earthquakes and/or flooding. We focus on owners and investors in refineries, gas processing, and other hydrocarbon processing industries, typically those with mid-sized asset schedules.
Offshore Energy – Policies can cover physical damage to fixed and mobile rigs, land rigs and associated equipment and pipelines plus the risks encountered during the drilling and production phases of wells (both on and offshore) and any subsequent re-drill required, along with any consequential seepage and pollution from these incidents. We focus on small to very large companies involved in the exploration and production of hydrocarbons in all areas of the world and those investing in windfarms.

Other products offered: Other Energy & Engineering which includes power station insurance and construction project insurance.
Environmental – We underwrite on a primary or excess basis coverage in three main sectors: contractors pollution liability for a wide range of general and trade contractors; site pollution liability for environmental exposures typical of real estate ownership or operation; and integrated casualty which is a combination of general liability and pollution liability for product manufacturers and distributors, in combination with professional liability, for environmental consultants and contractors.
Excess Casualty – We provide Commercial Retail Excess Casualty and Specialty Wholesale Excess Casualty products for specialties such as manufacturing and wholesale distribution, commercial and residential construction, and construction projects.

Primary Casualty – Our Company’s Primary Casualty division provides general liability coverage solutions on a non-admitted basis through selected wholesale brokers.
Other P&C – Products offered in this division include: Auto, Global Package, Life Sciences, Property and Other P&C which includes run-off lines of business.

A summary of our U.S. Insurance – U.S. Professional Liability operating segment by business division and primary products within these divisions are as follows:

U.S. Professional Liability Products by Division
D&O – We provide D&O insurance to companies for losses resulting from claims alleging breaches of fiduciary duty including shareholder claims, employment related matters and other claims alleging various wrongful acts.
E&O – We underwrite Professional Liability insurance for the following products within our E&O division: Architects & Engineers (“A&E”), Accountants, Miscellaneous Professional Liability, Real Estate E&O and Other E&O.
Other Professional Liability – includes run-off lines of business.



Int’l Marine Products
Marine Liability – We focus on the marine liability exposures of multi-national corporations as well as small to medium size marine operators.
Protection & Indemnity (“P&I”) – We offer fixed-cost P&I coverage for small to medium sized vessels.
Specie – We offer specie and fine art insurance coverage.
Transport – We provide comprehensive insurance for a full range of operations in the global ports, terminal operators and logistics sector.
Other products offered: Cargo, Craft, Energy Liability, Hull, War and Other Marine.



Int’l P&C Products by Division
Energy & Engineering
Onshore Energy – Our insurance offerings include coverage for physical loss or damage to refineries and process plants in the oil, gas and petrochemical industries, with coverage for principal perils including fire, explosion, machinery breakdown and, in some cases, natural perils such as earthquakes and/or flooding. We focus on owners and investors in refineries, gas processing, and other hydrocarbon processing industries, typically those with mid-sized asset schedules.

Offshore Energy – Policies can cover physical damage to fixed and mobile rigs, land rigs and associated equipment and pipelines plus the risks encountered during the drilling and production phases of wells (both on and offshore) and any subsequent re-drill required, along with any consequential seepage and pollution from these incidents. We focus on small to very large companies involved in the exploration and production of hydrocarbons in all areas of the world and those investing in windfarms.

Other products offered: Other Energy & Engineering which includes power station insurance and construction project insurance.
Environmental – We underwrite monoline environmental impairment liability, on primary and excess follow form policies. This includes coverage for site-based exposures and contractor’s pollution on an annual and single project basis. The same core coverage can also be embedded into other products, including general liability and errors and omissions.
Excess Casualty – We offer a Specialty Wholesale Excess Casualty product for specialties such as manufacturing and wholesale distribution, commercial and residential construction, and construction projects.
Property – We provide property insurance coverage for commercial businesses.
Other P&C – Products offered in this division include: Life Sciences, Political Violence & Terrorism (“PV&T”) and Other P&C which includes run-off lines of business.



Int’l Professional Liability Products by Division
D&O – We underwrite D&O insurance for public and private companies for losses resulting from securities claims or wrongful acts.
E&O – We underwrite E&O insurance for the following products within our E&O division: Miscellaneous Professional Liability and Other E&O which includes professional liability insurance for lawyers, architects and engineers, and accountants.



GlobalRe Products
Accident & Health (“A&H”) – We underwrite quota share and excess of loss reinsurance covering healthcare benefits, including employer stop loss, fully insured, limited medical benefits, dental benefits, and prescription drug benefits.
Marine – We underwrite marine quota share and excess of loss reinsurance on international ocean marine portfolios.
P&C – We underwrite quota share, excess of loss and facultative property and casualty reinsurance in Latin America & the Caribbean (“LatAm”) as well as international property reinsurance (“property treaty”) to selected insurance companies.
Professional Liability – We underwrite quota share and excess of loss reinsurance covering professional and management liability portfolios.
Other products include: Agriculture (global), Surety (focused in Latin America) and Other Reinsurance.

P&C – Our P&C operating segment brings a unique, specialist orientation to the standard commercial middle market for targeted industries and exposures.


Professional Liability – Our Professional Liability operating segment provides niche insurance solutions for numerous Professional Liability risks.
Our underwriting segments and operating segments noted above are comprised of business divisions and/or products.
A summary of our U.S. Insurance – U.S. Marine operating segment by product is as follows:

U.S. Marine Products
Cargo – We offer all-risk coverage for manufacturing, importers, exporters and freight forwarders with available coverage enhancements including domestic and international inland transit, warehouse storage and exhibition coverage.
Craft – We offer coverage for physical damage and third party liability coverage for tugs, barges, port/harbor vessels and other miscellaneous commercial craft.
Hull – We offer various coverages for owner/operators of commercial vessels including bulk, dry, tank, passenger and other ocean going vessel types.
Inland Marine – Products include builders risk including renovation and repair, installation processes, contractors’ equipment and various other inland marine coverages. Tailored products and services for truckers, warehousing, inland shippers including coverage for commercial transit and legal liability are offered.
Marine Liability – Products include coverage for liability to third parties for bodily injury or property damage stemming from marine-related operations, including but not limited to terminals, marinas and stevedoring. We focus on the associated liability exposures of multi-national corporations, small to medium size marine operations.
Other products offered: Customs Bonds, Fishing Vessels, Transport, War and Other Marine.




U.S. P&C Products by Division
Energy & Engineering
Onshore Energy – Our insurance offerings include coverage for physical loss or damage to refineries and process plants in the oil, gas and petrochemical industries, with coverage for principal perils including fire, explosion, machinery breakdown and, in some cases, natural perils such as earthquakes and/or flooding. We focus on owners and investors in refineries, gas processing, and other hydrocarbon processing industries, typically those with mid-sized asset schedules.
Offshore Energy – Policies can cover physical damage to fixed and mobile rigs, land rigs and associated equipment and pipelines plus the risks encountered during the drilling and production phases of wells (both on and offshore) and any subsequent re-drill required, along with any consequential seepage and pollution from these incidents. We focus on small to very large companies involved in the exploration and production of hydrocarbons in all areas of the world and those investing in windfarms.

Other products offered: Other Energy & Engineering which includes power station insurance and construction project insurance.
Environmental – We underwrite on a primary or excess basis coverage in three main sectors: contractors pollution liability for a wide range of general and trade contractors; site pollution liability for environmental exposures typical of real estate ownership or operation; and integrated casualty which is a combination of general liability and pollution liability for product manufacturers and distributors, in combination with professional liability, for environmental consultants and contractors.
Excess Casualty – We provide Commercial Retail Excess Casualty and Specialty Wholesale Excess Casualty products for specialties such as manufacturing and wholesale distribution, commercial and residential construction, and construction projects.

Primary Casualty – Our Company’s Primary Casualty division provides general liability coverage solutions on a non-admitted basis through selected wholesale brokers.
Other P&C – Products offered in this division include: Auto, Global Package, Life Sciences, Property and Other P&C which includes run-off lines of business.

A summary of our U.S. Insurance – U.S. Professional Liability operating segment by business division and primary products within these divisions are as follows:

U.S. Professional Liability Products by Division
D&O – We provide D&O insurance to companies for losses resulting from claims alleging breaches of fiduciary duty including shareholder claims, employment related matters and other claims alleging various wrongful acts.
E&O – We underwrite Professional Liability insurance for the following products within our E&O division: Architects & Engineers (“A&E”), Accountants, Miscellaneous Professional Liability, Real Estate E&O and Other E&O.
Other Professional Liability – includes run-off lines of business.



Int’l Marine Products
Marine Liability – We focus on the marine liability exposures of multi-national corporations as well as small to medium size marine operators.
Protection & Indemnity (“P&I”) – We offer fixed-cost P&I coverage for small to medium sized vessels.
Specie – We offer specie and fine art insurance coverage.
Transport – We provide comprehensive insurance for a full range of operations in the global ports, terminal operators and logistics sector.
Other products offered: Cargo, Craft, Energy Liability, Hull, War and Other Marine.



Int’l P&C Products by Division
Energy & Engineering
Onshore Energy – Our insurance offerings include coverage for physical loss or damage to refineries and process plants in the oil, gas and petrochemical industries, with coverage for principal perils including fire, explosion, machinery breakdown and, in some cases, natural perils such as earthquakes and/or flooding. We focus on owners and investors in refineries, gas processing, and other hydrocarbon processing industries, typically those with mid-sized asset schedules.

Offshore Energy – Policies can cover physical damage to fixed and mobile rigs, land rigs and associated equipment and pipelines plus the risks encountered during the drilling and production phases of wells (both on and offshore) and any subsequent re-drill required, along with any consequential seepage and pollution from these incidents. We focus on small to very large companies involved in the exploration and production of hydrocarbons in all areas of the world and those investing in windfarms.

Other products offered: Other Energy & Engineering which includes power station insurance and construction project insurance.
Environmental – We underwrite monoline environmental impairment liability, on primary and excess follow form policies. This includes coverage for site-based exposures and contractor’s pollution on an annual and single project basis. The same core coverage can also be embedded into other products, including general liability and errors and omissions.
Excess Casualty – We offer a Specialty Wholesale Excess Casualty product for specialties such as manufacturing and wholesale distribution, commercial and residential construction, and construction projects.
Property – We provide property insurance coverage for commercial businesses.
Other P&C – Products offered in this division include: Life Sciences, Political Violence & Terrorism (“PV&T”) and Other P&C which includes run-off lines of business.



Int’l Professional Liability Products by Division
D&O – We underwrite D&O insurance for public and private companies for losses resulting from securities claims or wrongful acts.
E&O – We underwrite E&O insurance for the following products within our E&O division: Miscellaneous Professional Liability and Other E&O which includes professional liability insurance for lawyers, architects and engineers, and accountants.



GlobalRe Products
Accident & Health (“A&H”) – We underwrite quota share and excess of loss reinsurance covering healthcare benefits, including employer stop loss, fully insured, limited medical benefits, dental benefits, and prescription drug benefits.
Marine – We underwrite marine quota share and excess of loss reinsurance on international ocean marine portfolios.
P&C – We underwrite quota share, excess of loss and facultative property and casualty reinsurance in Latin America & the Caribbean (“LatAm”) as well as international property reinsurance (“property treaty”) to selected insurance companies.
Professional Liability – We underwrite quota share and excess of loss reinsurance covering professional and management liability portfolios.
Other products include: Agriculture (global), Surety (focused in Latin America) and Other Reinsurance.