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Tower Group (TWGP)
SUMMARY
BULLS
BEARS
TOPICS
DATA CENTRAL
STOCK CHART
SEC FILINGS
BALANCE
INCOME
CASH FLOW
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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