The Navigators Group, Inc. (Navigators Group) is primarily engaged in the writing and management of property and casualty insurance. The Companys segments include the Insurance Companies, the Navigators Agencies and the Lloyds Operations, each of which is managed separately. The Insurance Companies consist of Navigators Insurance Company and NIC Insurance Company, which are primarily engaged in underwriting marine insurance and related lines of business, contractors general liability insurance and professional liability insurance. The Navigators Agencies are underwriting management companies that produce, manage and underwrite insurance and reinsurance for both affiliated and unaffiliated companies. The Lloyds Operations underwrite marine and related lines of business at Lloyds of London.