SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, DC 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) OF THE

SECURITIES EXCHANGE ACT OF 1934

Date of report (Date of earliest event reported)  February 6, 2004

ZENITH NATIONAL INSURANCE CORP.

(Exact Name of Registrant as Specified in its Charter)

Delaware	1-9627	95-2702776
(State or Other Jurisdiction of Incorporation)	(Commission File Number)	(IRS Employer Identification No.)
21255 Califa Street, Woodland Hills, CA		91367-5021
(Address of Principal Executive Offices)		(Zip Code)
Registrant’s telephone number, including area code  (818) 713-1000

(Former Name or Former Address, if Changed Since Last Report)

Item 12.  Disclosure of Results of Operations and Financial Condition.

On February 6, 2004, Zenith National Insurance Corp. issued the press release attached hereto as Exhibit 99.1 and it is incorporated herein by reference.

The information in this report (including Exhibit 99.1) is being furnished pursuant to Item 12 of Form 8-K and shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of that section, nor shall it be deemed to be incorporated by reference in any filing under the Securities Act of 1933, as amended, or the Exchange Act.

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

	ZENITH NATIONAL INSURANCE CORP.
Dated: February 6, 2004	By:	/s/ William J. Owen
		Name:	William J. Owen
		Title:	Senior Vice President and Chief Financial Officer

Index to Exhibits

Number	Exhibit
99.1	Press Release of Zenith National Insurance Corp. dated February 6, 2004

2