-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
 MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen
 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 Il2XJszabnJ2DSERXvXCP3L7ZwUnIfAZduWWG+eJjojRvc0vc4ZQh7x7HjlpsCj/
 mrDuxVcmAJot/fEt+kMt0A==

<SEC-DOCUMENT>0000898080-04-000516.txt : 20041022
<SEC-HEADER>0000898080-04-000516.hdr.sgml : 20041022
<ACCEPTANCE-DATETIME>20041022200948
ACCESSION NUMBER:		0000898080-04-000516
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20041020
FILED AS OF DATE:		20041022
DATE AS OF CHANGE:		20041022

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			Pechmann Christian K
		CENTRAL INDEX KEY:			0001306413

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-50990
		FILM NUMBER:		041092853

	BUSINESS ADDRESS:	
		BUSINESS PHONE:		212-655-2000

	MAIL ADDRESS:	
		STREET 1:		TOWER GROUP, INC.
		STREET 2:		120 BROADWAY, 14TH FLOOR
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10271

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Tower Group, Inc.
		CENTRAL INDEX KEY:			0001289592
		STANDARD INDUSTRIAL CLASSIFICATION:	FIRE, MARINE & CASUALTY INSURANCE [6331]
		IRS NUMBER:				133894120
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		120 BROADWAY
		STREET 2:		14TH FLOOR
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10271
		BUSINESS PHONE:		(212) 655-2000

	MAIL ADDRESS:	
		STREET 1:		120 BROADWAY
		STREET 2:		14TH FLOOR
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10271
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>edgar886_10842form4ex.xml
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0202</schemaVersion>

    <documentType>4</documentType>

    <periodOfReport>2004-10-20</periodOfReport>

    <notSubjectToSection16>0</notSubjectToSection16>

    <issuer>
        <issuerCik>0001289592</issuerCik>
        <issuerName>Tower Group, Inc.</issuerName>
        <issuerTradingSymbol>TWGP</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001306413</rptOwnerCik>
            <rptOwnerName>Pechmann Christian K</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>120 BROADWAY</rptOwnerStreet1>
            <rptOwnerStreet2>14TH FLOOR</rptOwnerStreet2>
            <rptOwnerCity>NEW YORK</rptOwnerCity>
            <rptOwnerState>NY</rptOwnerState>
            <rptOwnerZipCode>10271</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>0</isDirector>
            <isOfficer>1</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>0</isOther>
            <officerTitle>Officer</officerTitle>
        </reportingOwnerRelationship>
    </reportingOwner>

    <derivativeTable>
        <derivativeTransaction>
            <securityTitle>
                <value>Employee Stock Option (right to buy)</value>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>8.50</value>
            </conversionOrExercisePrice>
            <transactionDate>
                <value>2004-09-29</value>
            </transactionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>A</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
            </transactionCoding>
            <transactionAmounts>
                <transactionShares>
                    <value>13500</value>
                </transactionShares>
                <transactionPricePerShare>
                    <value>0</value>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>A</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <exerciseDate>
                <footnoteId id="F1"/>
            </exerciseDate>
            <expirationDate>
                <value>2014-09-29</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Common Stock</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>13500</value>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>13500</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </derivativeTransaction>
    </derivativeTable>

    <footnotes>
        <footnote id="F1">The options become exercisable in five equal annual installments beginning on September 29, 2005.</footnote>
    </footnotes>

    <ownerSignature>
        <signatureName>/s/ Steven G. Fauth, Attorney-in-Fact</signatureName>
        <signatureDate>2004-10-22</signatureDate>
    </ownerSignature>
</ownershipDocument>

</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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