Topic Listing for Tower Group

Able Obtain Reinsurance Reinsurers Not Pay Losses Timely Access Records
Accounting Nonrefundable Fees Costs Associated Originating Acquiring Loans Accredited Investor
Acquiring Books Business Acquisition Castlepoint Holdings Ltd
Acquisition Hermitage Insurance Group Acquisition Own Account
Acquisition Preserver Acquisition Specialty Underwriters Alliance Inc
Acquisition Subject Certain Closing Conditions Not Satisfied Waived Acquisitions
Action Outside United States Actual Loss Adjustment Expenses Exceed Reserves Financial Condition
Additional Covenants Parties Additional Information
Additional Information Find Additional Information Regarding Board
Administration Adoption New Accounting Pronouncements
Adversely Affected Interest Rate Changes Adversely Affected Loss Principal Employees Inability Attract Retain
Affiliated Agreements Castlepoint Agents Balances
Agents Balances Receivable Assumed Premiums Receivable-claims Paid Agency Agreement Acquire Shell
Agreement Shall Governed Construed According Laws State New Agreement Solely Between Reinsurer Instance Shall Insured Claimant
Although Paid Cash Dividends Past Not Pay Future Amendment Modification Termination
Amendment Termination Plan Amendment Waiver
Amendments Amendments Articles Incorporation Bylaws Change
Annual Cash Bonuses Annual Meeting Stockholders 2007
Annual Performance Evaluation Anti-takeover Provisions
Appendix Charter Audit Committee Board Directors Tower Group Applicable Law Regulation Such Subsection 4118 New York
Appointment Certain Officers Approval Appointment Independent Registered Public Accounting Firm
Arbitration Arms-length Transaction
Assessment Individual Performance Assessment Performance
Assessments Assessments Required Pay Increased Drastically Results
Assessments Required Pay Increased Drastically Results Operations Financial Audit Committee
Audit Committee Eport Audit Committee Report
Austin Young Cpa Authority Engage Advisors
Available Information Background
Base Salaries Basis Presentation
Benchmarking Against Peer Group Beneficial Ownership Reporting Compliance
Beneficiary Designation Best Efforts
Board Committees Board Directors Related Party Policies
Brokerage Business Pool Management Agreement Brokerage Business Pooling Agreement
Brokers Fees Business Covered Shall Mean Described
Business Relationship Bermuda Reinsurance Provide 2006 Quota Share Business Relationship Castlepoint Affiliates Present Make Vulnerable Difficult
Business Segments Capital Resources
Capitalized Acquisition Costs Preserver Cash Compensation
Cash Equivalents Cash Flow Summary
Cash Flows Cash Flows Follow-on Offering
Cash Flows Ipo Private Placement Cash Flows Issuance Subordinated Debentures Perpetual Preferred Stock
Castlepoint Castlepoint Reinsurance
Catastrophe Reinsurance Cautionary Regarding Forward-looking Statements
Ceded Premiums Ceding
Ceding Commissions Earned Ceding Revenue
Ceding Revenues Certain Tax Consequences
Certification Chief Executive Officer Financial Pursuant Usc 1350 Certification Pursuant 302 Sarbanes-oxley Act 2002
Cessions Traditional Program Business Pool Chairman
Chairman Board President Chief Executive Officer Change Control
Changes Control Charles Bryan Cpa Fcas
Chief Executive Officer Chief Executive Officer Compensation
Christian Pechmann Cit Financing Agreement
Claims Claims Expense Reimbursement
Closing Castlepoint Acquisition Closing Hermitage Acquisition
Code Business Conduct Ethics Combined Ratio
Commercial Automobile Commercial Multiple-peril
Commitments Commitments Contingencies
Committee Common Stock 00l Par Value Per Share
Common Trust Securities-statutory Business Trusts Communications Board Directors
Commutation Novation Pxre Reinsurance Comparison 2004 2003
Comparison 2005 2004 Comparison 2006 2005
Comparison 2007 2006 Comparison 2008 2007
Compensation Compensation Committee
Compensation Committee Eport Compensation Committee Interlocks Insider Participation
Compensation Committee Report Compensation Committee Role
Compensation Committees Process Compensation Except Otherwise Expressly Set Forth Below Executives
Compensation Philosophy Compensation Philosophy Objectives
Competition Competitive Strengths Strategies
Completion Acquisition Disposition Assets Compliance Certificate
Composition Concentration Credit Risk
Condensed Consolidated Financial Statements 2006 2005 Conditions Consummation Transactions
Conditions Obligations Issue Sell Shares Conditions Purchasers Obligations Purchase Shares
Conference Call Consent Disclosing Party Copying Duplicating Using Confidential Information
Consent Independent Registered Public Accounting Firm Consents Permits Waivers Approvals
Consolidated Financial Statements Supplementary Information 2005 Consolidated Results Operations 2005 Compared 2004
Consolidated Results Operations 2006 Compared 2005 Consolidated Results Operations 2008 Compared 2007
Contained Agreement Nor Estop Parties Thereafter Demanding Full Contingencies
Contingencies Surrounding 2006 New York Board Fire Underwriters Continuing Implementation Technological Improvements
Converium Conversion Change Control
Conversion Connection Public Offering Conversion Exercise
Conversion Regulatory Change Corporate Governance
Corporate Governance Director Independence Corporate Governance Nominating Committee
Corporate Other Bonds Cost Solicitation
Counterparts Covering Short Positions
Cpic Shall Establish Specialty Program Business Pool Consist Credit Rating Fixed Maturity Securities
Credit Risk Critical Accounting Policies
Currency Payments Current Report Pursuant Securities Exchange Act 1934
Deferrals Deferred Acquisition Costs Ceding Revenue
Deferred Acquisition Costs Revenues Definitions
Description Business Designation
Direct Ceding Expenses Direct Expense
Direct Revenues Fees Director
Director Compensation 2007 Director Compensation 2008
Director Independence Distribution
District Court Seek Transfer Case Another Permitted Laws Dividend Declaration
Dividend Policy Dividends
Documents Incorporated Reference Earnings Per Common Share
Earnings Per Share Earnings Release Conference Call
Effective 2006 Exclusions Paragraph Revised Read Follows Effective 2006 Reinsurance Coverage Paragraph Revised Read Follows
Effects Emerging Claim Coverage Issues Business Uncertain Election Directors
Elements Compensation Eligibility
Eligibility Participation Elliot Orol
Employee Benefit Plans Employee Benefits Fringe Addition Foregoing Term Employment
Employees Employment Agreements
Entire Agreement Entry Material Definitive Agreement
Equity Compensation Plan Information Equity Compensation Plans
Equity Risk Equity-based Compensation
Errors Omissions Establishment Objectives Duration
Establishment Purpose Estimates
Excess Loss Reinsurance Exchange Agreement
Exclusions Executives Employment Term Shall Terminate Death
Existing Reinsurance Shall Same Meaning Brokerage Business Pooling Expanding Non-risk-bearing Fee-generating Services
Expanding Territorially Experience Difficulties Integrating Business Preserver Cause Fail Realize
Experience Difficulty Expanding Business Adversely Affect Results Operations Extent Participating Elects Establish Trust Account Following Shall
Extent Participating Elects Provide Letter Credit Following Shall Extent Reinsurer Elects Establish Trust Account Following Shall
Extent Reinsurer Elects Provide Letter Credit Following Shall Extent Such Principles Rules Require Permit Application Laws
Face Substantial Exposure Losses Terrorism Currently Required Law Failure Loss Limitation Methods Employ Material Adverse Effect
Failure Obtain Assumption Agreement Contemplated Subsection Hereof Fair
Fair Value Fair Value Consideration
Fair Value Financial Instruments Federal Income Tax Consequences Participants
Federal State Local Foreign Taxes Required Withheld Applicable Fee Income
Final Merger Consideration Financial Statements Exhibits
Financial Summary Except Per Share Data Fire Allied Lines
Fixed Assets Fixed Maturity Investments Party Guarantees
Fixed Maturity Investments-time Form 10-k
Form 8-k Forward-looking Statements
Francis Colalucci Christian Pechmann Francis Colalucci Christian Pechmann Joel Weiner
Francis Colalucci Cpa Full 2008 Highlights
Functions Further Assurances
Gary Maier General Provisions
General Solicitation Integrated Offering Goodwill Intangible Assets
Governing Law Grants Plan-based Awards 2007
Greene Umbrella Quota Share Excess Reinsurance Gross Premiums
Guaranty Associations Guidance
Headings Used Herein Not Part Pool Management Agreement Headings Used Herein Not Part Pooling Agreement Shall
Hermitage Highlights
Homeowners Human Resources Other Administrative Functions
Icny Trm Tnic Conduct Business Concentrated Geographical Area Impairment Invested Assets
Improving Rating Attract Customers Other Market Segments Income Tax Expense
Income Taxes Indemnification
Independent Accountants Review Report Independent Auditors Report
Independent Director Compensation Independent Directors
Independent Registered Public Accountants Ees Independent Registered Public Accountants Fees
Index Index Consolidated Financial Statements
Industry Investigations Inflation
Information Initial Public Offering
Initial Public Offering Ipo Insolvency Financial Guarantee
Insurance Holding Regulation Tower Insurance Information Schedule
Insurance Regulatory Information System Ratios Insurance Segment Results Operations 2005 Compared 2004
Insurance Segment Results Operations 2006 Compared 2005 Insurance Segment Results Operations 2007 Compared 2006
Insurance Segment Results Operations 2008 Compared 2007 Insurance Services Revenue
Insurance Services Segment Products Insurance Services Segment Results Operations
Insurance Services Segment Results Operations 2005 Compared 2004 Insurance Services Segment Results Operations 2006 Compared 2005
Insurance Services Segment Results Operations 2007 Compared 2006 Insurance Services Segment Results Operations 2008 Compared 2007
Insurance Subsidiaries Rated Excellent Best Decline Rating Ratings Intangible Assets
Intangible Assets Potential Impairment Integrated Offerings
Interest Expense Interest Expenses
Interest Rate Risk Internal Control-integrated Framework Issued Committee Sponsoring Organizations Treadway
Investment Act Investment Committee
Investment Performance Suffer Result Adverse Capital Market Developments Investment Representations
Investment Unconsolidated Affiliate Investment Unconsolidated Affiliate-
Investment Unconsolidated Affiliate-castlepoint Investments
Issuing Companies Reinsurers Unwilling Participate Insurance Arranged Trm Issuing Insolvency Weakened Financial Condition Adverse Impact Trms
Jan Van Gorder Jerome Kaiser Phd
Joel Weiner Joint Participation Drafting
Key Operating Highlights Percentage Increases Compare 2008 Results Knowledge
Laurie Ranegar Lease Obligations
Legal Compliance Legal Construction
Legal Proceedings Legal Tax Investment Advice
Legends Legislative Changes
Letter Credit Shall Meaning Set Forth Xvi Liability Arising Out Ownership Maintenance Aircraft Flight Operations
Liability Loss Adjustment Expense Liability Loss Adjustment Expenses Lae
Limitations Liquidation Rights
Liquidity Listing
Litigation Lock-up Period
Long-term Debt Obligations Long-term Equity Compensation Plan
Loss Adjustment Expense Reserves Loss Adjustment Expenses
Loss Adjustment Expenses Ratio Loss Development
Loss Occurrence Shall Mean Sum Individual Losses Directly Loss Ratio
Losses Loss Adjustment Expenses Management Agreement
Management Agreements Castlepoint Management Directors Executive Officers
Management Fees Shall Mean Payable Cpic Ticny Pursuant Management-
Managements Annual Report Internal Control Over Financial Reporting Managing General Agency
Marketplace Conditions Trends Massachusetts Dividend Limitations
Master Agreement Master Agreement Castlepoint
Measurement Results Meetings
Membership Michael Lee
Miscellaneous Miscellaneous Provisions
Modification Net Income Return Average Common Equity
Net Income Return Average Equity Net Investment Income Realized Gains
Net Investment Income Realized Gains Losses Investments Net Loss Ratio Shall Mean Period Time Losses
Net Loss Ratio Shall Same Meaning Brokerage Pool Net Premiums
Net Premiums Earned Net Written Premium Received
New York State Dividend Limitations Next Pages Signature
Nolo Contendre Nominees Director
Non-agency Residential Mortgage-backed Securities Non-competition Confidential Information Non-solicitation
Non-employee Director Compensation Nonqualified Deferred Compensation 2008
Not Yet Arranged Quota Share Insurance 2006 Cannot Notes Non-gaap Financial Measures
Notice Annual Meeting Stockholders Notices
Notwithstanding Paragraph Above Pool Management Agreement Terminated Immediately Now Therefore
Obligations Referred Herein Means Then Current End Each Obligations Shall Meaning Set Forth Xvi
Obligations Termination Obtain Several Governmental Consents Complete Acquisition Delayed Not
Off Balance Sheet Arrangements Offset
Operate Highly Competitive Environment Unsuccessful Competing Against Larger Operating Expenses
Opportunity Was Basis Termination Executive Good Reason Fraction Option Exercises Stock Vested 2007
Options Organization Good Standing
Original Conditions Apply Other Administration Revenue
Other Awards Other Events
Other Executive Officers-steven Fauth Other Income
Other Insurance Services Expense Other Insurance Services Expenses
Other Liability Other Named Executive Officers
Other Operating Expenses Outside Advisors
Overview Overview Preserver
Ownership Stock Part
Participating Companies Shall Mean Ticny Cpic Participating Exercise Right Terminate Participation Specialty Program Business
Participating Shall Secure Such Obligations Either Participation Traditional Program Business Pool
Party Beneficiaries Patrick Haveron Cpa
Payable Recoverable Reinsurer Each Named Shall Not Serve Payment Set Aside
Payments Claim Payment Not Necessarily Required Policy Commercial Pension Plan
Performance Measures Period Exceeding Date Such Performance Been Due Circumstance
Personal Automobile Pledge Securities
Plus Pma
Policy Billing Fees Policy Limits Determining Amount Extra-contractual Obligation Loss Excess
Pool Management Pool Management Agreement Constitutes Entire Between Parties Hereto
Pooling Percentages Shall Those Set Forth Schedule Attached Position Duties
Pre-approval Policy Services Independent Registered Public Accountant Pre-approval Policy Services Independent Registered Public Accounting Firm
Pre-approval Policy Services Independent Registered Public Ccountant Pre-tax Income
Preemptive Rights Premium Produced Trm
Premiums Earned Premiums Receivable
Premiums Written Preserver
Press Release Press Release Form 8-k Publicity
Price Range Common Stock Price Range Common Stock Dividends Declared
Pricing Principal Revenue Expense
Private Placement Product Development Marketing Strategy
Program Business Shall Mean Narrowly Defined Classes Underwritten Program Management Agreement Castlepoint
Properties Provided However
Proxy Solicited Behalf Board Directors Proxy Statement
Purchase Price Financing Considerations Purchase Shell Companies
Purchase Shell Intangible Assets Purchaser Bears Economic Risk
Purpose Purpose Overview
Purposes Agreement Term Change Control Shall Mean Occurrence Pursuant Usc 1350 Adopted 906 Sarbanes-oxley Act 2002
Pursuant Usc 1350 Adopted 906 Sarbanes-oxley Act Fof Pxre
Quarterly Dividend Quota Share Participation Reinsurer Effective 2006 Shall Apply
Quota Share Reinsurance Ranking
Ratings Receivable-claims Paid Agency
Recent Accounting Development Recent Developments
Reclassifications Reconciliation Loss Adjustment Expense Reserves
Redemption Reducing Dependence Reinsurance Other Insurance Companies
Registration Concurrent Private Placement 500000 Shares Registration Statement Not Yet Become Effective Securities Sold
Regulatory System Operate Potential Changes Thereto Material Adverse Reinsurance
Reinsurance Agreement Castlepoint Reinsurance Agreements Castlepoint
Reinsurance Balances Payable Issuing Carrier Funds Held Reinsurance Companies Lloyds London Underwriters Arbitrators Shall Not
Reinsurance Credit Reinsurance Program
Reinsurance Programs Reinsurance Recoverables
Reinsurance Segment Product Reinsurance Segment Products
Reinsurance Segment Results Operations 2005 Compared 2004 Reinsurance Segment Results Operations 2006 Compared 2005
Reinsurance Segment Results Operations 2007 Compared 2006 Reinsurer Shall Secure Such Obligations Either
Reinsurers Liability Respect Losses Shall Subject Following Limits Related Party Transactions
Reliance Producers Subjects Credit Risk Remedies
Remedies Severability Remittances Reports
Report Independent Registered Public Accounting Firm Report Independent Registered Public Accounting Firm Financial Statement
Representations Warranties Cph Representations Warranties Tower
Representations Warranties True Representations Warranties True Performance Obligations
Require Additional Capital Future Not Available Only Unfavorable Requisite Power Authority
Reservation Shares Residual Market Plans
Restatement Tower Group Inc 2004 Long Term Equity Restricted Stock
Restricted Stock Units Performance Shares Results Operations
Results Operations Financial Condition Results Operations Revenues Fluctuate Result Factors Including Cyclical
Richard Barrow Rights Participants
Risk Factors Relating Taxation Risk-based Capital Regulations
Risks Related Industry Robert Smith
Salvage Subrogation Salvatore Abano
Schedule Schedule 14a
Schedule V-valuation Qualifying Accounts 2005 2004 2003 Sec
Securities Registered Pursuant Act Securitized Assets
Security Ownership Certain Beneficial Owners Management Segment Reporting
Selected Pro Forma Consolidated Financial Information Senior Vice President Branch Management
Senior Vice President Chief Accounting Officer Senior Vice President Chief Actuary Strategic Operations
Senior Vice President Chief Financial Officer Treasurer Director Senior Vice President Chief Information Officer
Senior Vice President Chief Operating Officer Senior Vice President Chief Underwriting Officer
Senior Vice President Claims Secretary Director Senior Vice President General Counsel
Senior Vice President General Counsel Secretary Senior Vice President General Counsel Secretary Director
Senior Vice President Marketing Distribution Senior Vice President Operations
Senior Vice President Strategic Planning Business Analysis Senior Vice President Underwriting Operations
Senior Vice Presidents Sensitivity Analysis
Series Cumulative Redeemable Preferred Stock Service Expense Sharing Agreements
Service Expense Sharing Agreements Castlepoint Severability
Shall Executed Complete Release Affiliates Related Parties Such Shall Pay Executive Within Business Date Termination Earned
Shareholders Shares Subject Plan Individual Limits Anti-dilution Adjustment
Signature Signature Appears Subsequent Page
Signatures Since Depend Core Selected Producers Large Portion Revenues
Since Depend Few Producers Large Portion Revenues Loss Sources Uses Funds
Specialty Program Business Pool Management Agreement Specialty Program Business Pooling Agreement
Specialty Program Business Shall Mean Other Traditional Elects State Dividend Limitations
State Insurance Regulation Statutory Accounting Principles
Statutory Business Trusts Statutory Financial Information Accounting Policies
Stephen Kibblehouse Steven Fauth
Steven Schuster Steven Schuster Director
Stock Appreciation Rights Stock Award Plan
Stock Option Exercises Holdings Stock Option Grants
Stock Performance Graph Stock-based Compensation
Stock-based Incentives Stockholder Proposals
Stockholder Roposals Strategic Relationship Agreements Castlepoint
Strategic Relationship Agreements Castlepoint 2006 2009 Strategy
Subordinated Debentures Subsequent Event
Subsequent Events Subsidiaries Tower Group Inc
Successors Successors Assigns
Summary Key Agreements Supplemental Benefits
Surplus Levels Survival
Table Contents Taxes
Technology Term
Term Employment Terminate Agreement Immediately Happening Following Circumstances
Termination Amendment Waiver Termination Connection Change Control
Termination Employment Terrorism Reinsurance
Threat Terrorism Military Other Actions Adversely Affect Investment Ticny Service Expense Sharing Agreements
Ticny Trm Conduct Business Concentrated Geographical Area Single Title Shares Series Preferred Stock
Titles Subtitles Total Equity Compensation Not Yet Recognized
Total Revenues Tower
Tower Announces Closing Date Acquisition Castlepoint Tower Announces Conference Call Discuss 2008 Financial Results
Tower Completes Acquisition Hermitage Insurance Group Tower Group Inc
Tower Group Inc Amends Shelf Registration Statement Maintains Tower Group Inc Announces Issuance Subordinated Debentures Connection
Tower Group Inc Announces Pricing 2704000 Shares Common Tower Group Inc Closes Acquisition Preserver
Tower Group Inc Exact Name Registrant Specified Charter Tower Group Inc Index Financial Statement Schedules
Tower Group Inc Reports 2009 Operating Results Increases Tower Group Inc Reports Record Operating Results Full
Tower Group Inc Reports Record Premium Volume 2008 Tower Group Inc Reports Record Premium Volume Earnings
Tower Group Inc Reports Strong 2008 Operating Results Tower Group Inc Schedule I-summary Investments-other Investments Related
Tower Group Inc Schedule Ii-condensed Financial Information Registrant Tower Group Inc Schedule Iv-reinsurance
Tower Group Inc Schedule V-valuation Qualifying Accounts Tower Group Inc Schedule V-valuation Qualifying Accounts 2006
Tower Group Inc Short Term Performance Incentive Plan Tower Risk Reinsurance Intermediary Services
Tower Stockholders Approve Acquisition Castlepoint Traditional Program Business Pool Management Agreement
Traditional Program Business Pooling Agreement Transactions Castlepoint
Transactions Related Persons Transfer Agent Instruction
Transfer Resale Transfer Restrictions
Treasury Stock Trm
Trm Claims Service Trm Large Lines General Liability Real Estate Program
Trm Middle Market Program Trm Reinsurance Intermediary Services
Trm Small Business Overflow Program Trust Agreement Shall Meaning Specified Xvi
Umbrella Quota Share Reinsurance Umpire Decision Majority Shall Final Binding Parties Judgment
Underwriting Underwriting Expense Ratios
Underwriting Expenses Expense Ratio Underwriting Expenses Expense Ratios
Underwriting Loss Profit Combined Ratio Underwriting Profit Combined Ratio
Underwriting Profits Combined Ratio Unrealized Loss
Unrealized Losses Unregistered Sales Equity Securities
Unresolved Staff Comments Voting Certain Other Rights
Webplus Whereas
Whether Not Acquisition Completed Announcement Pendency Cause Disruptions William Fox
William Fox Director William Robbie
Withholding Within Following End Each Calendar Term Agreement Shall
Witness Whereof Witness Whereof Reinsurer Caused Agreement Executed
Workers Compensation Xix
Xix Arbitration Xvi
Xvi Adjustments Participation Xvii
Xvii Investments Xviii
Xviii Insolvency Xxi
Xxii Xxiii
Xxiv 
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