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)        November 15, 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))



Item 2.02.    RESULTS OF OPERATIONS AND FINANCIAL CONDITION.

The following information , including the Exhibit to this Form 8-K, is
being furnished pursuant to Item 2.02 - Results of Operations and Financial
Condition on Form 8-K.

On November 15, 2004 Tower Group, Inc. issued a press release announcing
its results of operations for the third quarter and nine months ended September
30, 2004. A copy of the press release is attached as Exhibit 99.1 to this Form
8-K and is incorporated by reference to this Item 2.02 as if fully set forth
herein.

Item 9.01.     FINANCIAL STATEMENTS AND EXHIBITS.

99.1     Press Release issued by Tower Group, Inc. dated November 15, 2004.


This information is not deemed to be "filed" for the purposes of Section 18
of the Securities Exchange Act of 1934 and is not incorporated by reference into
any Securities Act registration statements.



                                   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      November 15, 2004
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                                    /s/ Steven G. Fauth
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                                                       (Signature)*
                                    Steven G. Fauth
                                    SVP, General Counsel


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