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)        October 26, 2004
                                                        ------------------------

                                Tower Group, Inc.
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             (Exact name of registrant as specified in its charter)

               Delaware                    000-50990               13-3894120
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    (State or other jurisdiction or     Commission File          (IRS Employer
            incorporation)                  Number:         Identification No.)

                    120 Broadway, 14th Floor, New York, NY            10271
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                   (Address of principal executive offices)        (Zip Code)

Registrant's telephone number, including area code           (212) 655-2000
                                                             -------------------

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         (Former name or former address, if changed since last report.)




Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any of the
following provisions (see General Instruction A.2. below):

[ ] Written communications pursuant to Rule 425 under the Securities Act
    (17 CFR 230.425)

[ ] Soliciting material pursuant to Rule 14a-12 under the Exchange Act
    (17 CFR 240.14a-12)

[ ] Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange
    Act (17 CFR 240.14d-2(b))

[ ] Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange
    Act (17 CFR 240.133-4(c))



Section 8 - Other Events

Item 8.01 Other Events
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                                   SIGNATURES


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




                                                    Tower Group, Inc.
                                      ------------------------------------------
                                                         (Registrant)

Date      October 26, 2004
          ----------------------------
                                      /s/ Steven G Fauth
                                      ------------------------------------------
                                                         (Signature)*
                                      Steven G.
                                      Fauth
                                      SVP, General Counsel


*Print name and title of the signing officer under his signature.