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)     May 2, 2005
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                                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     Commission File          (IRS Employer
         of 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 May 2, 2005 Tower Group, Inc. issued a press release announcing its results
of operations for the first quarter ended March 31, 2005. 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.

           The following exhibits are filed as part of this report.

Number                               Description
- ------------------------------------------------

99.1   Copy of press release issued by Tower Group, Inc. dated May 2, 2005.


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:  May 2, 2005
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                                         By: /s/ Steven G. Fauth
                                             -----------------------------------
                                                       (Signature)*
                                             Steven G. Fauth
                                             SVP, Secretary and General Counsel


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