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)   August 3, 2006
                                                 -------------------------------

                                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
      or 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 August 3, 2006 Tower Group, Inc. issued a press release announcing its
results of operations for the second quarter ended June 30, 2006. 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
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99.1     Copy of press release issued by Tower Group, Inc. dated August 3, 2006.


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    August 3, 2006
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                                                 /s/ Francis M. Colalucci
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                                                          (Signature)
                                                 Francis M. Colalucci
                                                 Senior Vice President, Chief
                                                 Financial Officer and Treasurer