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<DIV align="center" style="font-size: 10pt; margin-top: 18pt">As filed with the Securities and Exchange Commission on February&nbsp;5, 2009
</DIV>


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<DIV style="width: 100%; border-bottom: 1pt solid black; font-size: 1pt">&nbsp;</DIV>




<DIV align="center" style="font-size: 14pt; margin-top: 12pt"><B>SECURITIES AND EXCHANGE COMMISSION</B>
</DIV>

<DIV align="center" style="font-size: 12pt"><B>WASHINGTON, DC 20549</B>
</DIV>

<DIV align="center" style="font-size: 18pt; margin-top: 12pt"><B>FORM S-8</B>
</DIV>


<DIV align="center" style="font-size: 12pt; margin-top: 12pt"><B>REGISTRATION STATEMENT<BR>
UNDER THE<BR>
SECURITIES ACT OF 1933</B>
</DIV>

<DIV align="center" style="font-size: 24pt; margin-top: 12pt"><B>TOWER GROUP, INC.</B>
</DIV>

<DIV align="center" style="font-size: 10pt">(Exact name of registrant as specified in its charter)</DIV>


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    <TD align="center" valign="top"><B>Delaware</B>
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top"><B>13-3894120</B></TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top">(State or other jurisdiction of incorporation or organization)
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">(I.R.S. Employer Identification No.)</TD>
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</DIV>


<DIV align="Center" style="font-size: 10pt; margin-top: 6pt"><B>120 Broadway, 31st Floor<BR>
New York, New York 10271</B><BR>
(Address, including zip code, of principal executive offices)

</DIV>

<DIV align="Center" style="font-size: 10pt; margin-top: 6pt"><B>CastlePoint Holdings, Ltd. 2006 Long-Term Equity Compensation Plan</B><BR>
(Full title of the plan)

</DIV>

<DIV align="Center" style="font-size: 10pt; margin-top: 6pt"><B>Francis M. Colalucci<BR>
Senior Vice President, Chief Financial Officer and Treasurer<BR>
Tower Group, Inc.<BR>
120 Broadway, 31st Floor<BR>
New York, New York 10271</B><BR>
(Name and address of agent for service)

</DIV>

<DIV align="Center" style="font-size: 10pt; margin-top: 6pt">Copies to:

</DIV>
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    <TD align="center" valign="top"><B>Elliot S. Orol, Esq.</B>
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top"><B>John M. Schwolsky, Esq.</B></TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top"><B>Senior Vice President, General Counsel and Secretary</B>
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top"><B>Joseph L. Seiler III, Esq.</B></TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top"><B>Tower Group, Inc.</B>
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top"><B>Dewey &#038; LeBoeuf LLP</B></TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top"><B>120 Broadway, 31st Floor</B>
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top"><B>1301 Avenue of the Americas</B></TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top"><B>New York, New York 10271</B>
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top"><B>New York, New York 10019</B></TD>
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</DIV>


<DIV align="Center" style="font-size: 10pt; margin-top: 6pt"><B>(212)&nbsp;655-2000</B><BR>
(Telephone number, including area code, of agent for service)

</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer or a smaller reporting company. See the definitions of &#147;large accelerated filer,&#148; &#147;accelerated filer&#148; and &#147;smaller reporting company&#148; in Rule 12b-2 of the Exchange Act. (Check one):</DIV>
<TABLE width="100%" style="font-size: 10pt; margin-top: 0pt"><TR><TD>Large accelerated filer&nbsp;<FONT face="Wingdings">&#111;</FONT></TD><TD align="center">Accelerated filer&nbsp;<FONT face="Wingdings">&#254;</FONT>&nbsp;</TD><TD align="center"><br>Non-accelerated filer&nbsp;<FONT face="Wingdings">&#111;</FONT><BR>(Do not check if a smaller reporting company)</TD><TD align="right">Smaller reporting company&nbsp;<FONT face="Wingdings">&#111;</FONT></TD></TR></TABLE>





<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>CALCULATION OF REGISTRATION FEE</B>
</DIV>

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    <TD width="1%">&nbsp;</TD>
</TR><TR style="font-size: 1px" valign="bottom">
    <TD nowrap align="left" colspan="23" style="border-bottom: 3px double #000000">&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">    <TD width="1%">&nbsp;</TD>

    <TD>&nbsp;</TD>
    <TD style="border-right: 2px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD style="border-right: 2px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3"><B>Proposed maximum</B></TD>
    <TD style="border-right: 2px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3"><B>Proposed maximum</B></TD>
    <TD style="border-right: 2px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">    <TD width="1%">&nbsp;</TD>

    <TD nowrap align="center"><B>Title of securities to be</B></TD>
    <TD style="border-right: 2px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3"><B>Amount to be</B></TD>
    <TD style="border-right: 2px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3"><B>offering price per</B></TD>
    <TD style="border-right: 2px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3"><B>aggregate offering</B></TD>
    <TD style="border-right: 2px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3"><B>Amount of</B></TD>
    <TD width="1%">&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">    <TD width="1%">&nbsp;</TD>

    <TD nowrap align="center"><B>registered</B></TD>
    <TD style="border-right: 2px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3"><B>registered (1)(2)</B></TD>
    <TD style="border-right: 2px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3"><B>Share(3)</B></TD>
    <TD style="border-right: 2px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3"><B>Price (3)</B></TD>
    <TD style="border-right: 2px solid #000000">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3"><B>Registration Fee(4)</B></TD>
    <TD width="1%">&nbsp;</TD>
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                    <TD style="border-top: 2px solid #000000"><DIV style="margin-left:15px; text-indent:-15px">Common Stock, par value $0.01 per share</DIV></TD>
    <TD style="border-right: 2px solid #000000; border-top: 2px solid #000000">&nbsp;</TD>
    <TD style="border-top: 2px solid #000000">&nbsp;</TD>
    <TD style="border-top: 2px solid #000000">&nbsp;</TD>
    <TD align="right" style="border-top: 2px solid #000000">1,148,330</TD>
    <TD style="border-top: 2px solid #000000">&nbsp;</TD>
    <TD style="border-right: 2px solid #000000; border-top: 2px solid #000000">&nbsp;</TD>
    <TD style="border-top: 2px solid #000000">&nbsp;</TD>
    <TD align="right" style="border-top: 2px solid #000000">$</TD>
    <TD align="right" style="border-top: 2px solid #000000">25.43</TD>
    <TD style="border-top: 2px solid #000000">&nbsp;</TD>
    <TD style="border-right: 2px solid #000000; border-top: 2px solid #000000">&nbsp;</TD>
    <TD style="border-top: 2px solid #000000">&nbsp;</TD>
    <TD align="right" style="border-top: 2px solid #000000">$</TD>
    <TD align="right" style="border-top: 2px solid #000000">29,202,031</TD>
    <TD style="border-top: 2px solid #000000">&nbsp;</TD>
    <TD style="border-right: 2px solid #000000; border-top: 2px solid #000000">&nbsp;</TD>
    <TD style="border-top: 2px solid #000000">&nbsp;</TD>
    <TD align="right" style="border-top: 2px solid #000000">$</TD>
    <TD align="right" style="border-top: 2px solid #000000">1,148</TD>
    <TD style="border-top: 2px solid #000000">&nbsp;</TD>
    <TD width="1%" style="border-top: 2px solid #000000">&nbsp;</TD>
</TR>
<TR style="font-size: 1px" valign="bottom">
    <TD nowrap align="left" colspan="23" style="border-top: 3px double #000000">&nbsp;</TD>
</TR>

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<DIV align="left">
<DIV style="font-size: 3pt; margin-top: 3pt; width: 18%; border-top: 0px solid #000000">&nbsp;</DIV>
</DIV>

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<TR>
    <TD width="3%"></TD>
    <TD width="1%"></TD>
    <TD width="96"></TD>
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<TR valign="top">
    <TD nowrap align="left">(1)</TD>
    <TD>&nbsp;</TD>
    <TD>Pursuant to Rule&nbsp;416 under the Securities Act of 1933, as amended (the &#147;Securities Act&#148;)
this registration statement on Form S-8 (this &#147;Registration Statement&#148;) also covers any
additional securities to be offered or issued in connection with a stock split, stock
dividend or similar transaction. Each of the shares of Tower Group, Inc.&#146;s (&#147;Tower&#148;)
common stock registered hereunder are issuable upon the exercise of outstanding options to
acquire common shares of CastlePoint Holdings, Ltd. (&#147;CastlePoint&#148;) pursuant to grants
previously made under CastlePoint&#146;s stock option plans and programs (the &#147;CastlePoint
Plans&#148;). Tower agreed to assume these awards in connection with the merger of CastlePoint
with and into Ocean I Corporation, a wholly-owned subsidiary of Tower (&#147;Ocean I&#148;), pursuant
to that certain Agreement and Plan of Merger, dated as of August&nbsp;4, 2008, by and among
Tower, Ocean I and CastlePoint (the &#147;Merger Agreement&#148;).</TD>
</TR>

<TR style="font-size: 3pt"><TD>&nbsp;</TD></TR>

<TR valign="top">
    <TD nowrap align="left">(2)</TD>
    <TD>&nbsp;</TD>
    <TD>Represents a bona fide estimate of the maximum amount of shares of Tower common stock to
that may be issued upon the exercise of CastlePoint share options assumed by Tower in the
merger, calculated as the product of (a) 2,118,301, which is the number of outstanding
options to acquire CastlePoint commons shares under the CastlePoint Plans as of February&nbsp;4, 2009, and (b) 0.5421, which is the option exchange ratio calculated
pursuant to the merger agreement.</TD>
</TR>

<TR style="font-size: 3pt"><TD>&nbsp;</TD></TR>

<TR valign="top">
    <TD nowrap align="left">(3)</TD>
    <TD>&nbsp;</TD>
    <TD>Estimated solely for the purpose of calculating the registration fee required by Section
6(b) of the Securities Act, and calculated pursuant to paragraphs (c)&nbsp;and (h)&nbsp;of Rule&nbsp;457
under the Securities Act, based upon the average high and low prices of Tower common stock,
as reported on the NASDAQ Global Select Market on February 4, 2009.</TD>
</TR>

<TR style="font-size: 3pt"><TD>&nbsp;</TD></TR>

<TR valign="top">
    <TD nowrap align="left">(4)</TD>
    <TD>&nbsp;</TD>
    <TD>Calculated by multiplying the estimated aggregate offering price of securities by 0.0000393.</TD>
</TR>

</TABLE>



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<DIV style="width: 100%; border-bottom: 2pt solid black; font-size: 1pt">&nbsp;</DIV>





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<DIV style="font-family: 'Times New Roman',Times,serif">








<!-- TOC -->
<A name="toc"><DIV align="CENTER" style="page-break-before:always"><U><B>TABLE OF CONTENTS</B></U></DIV></A>

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<TR><TD colspan="9"><A HREF="#000">PART I</A></TD></TR>
<TR><TD></TD><TD colspan="8"><A HREF="#001">ITEM 1. PLAN INFORMATION.</A></TD></TR>
<TR><TD></TD><TD colspan="8"><A HREF="#002">ITEM 2. REGISTRANT INFORMATION AND EMPLOYEE PLAN ANNUAL INFORMATION.</A></TD></TR>
<TR><TD colspan="9"><A HREF="#003">PART II</A></TD></TR>
<TR><TD></TD><TD colspan="8"><A HREF="#004">ITEM 3. INCORPORATION OF DOCUMENTS BY REFERENCE.</A></TD></TR>
<TR><TD></TD><TD colspan="8"><A HREF="#005">ITEM 4. DESCRIPTION OF SECURITIES.</A></TD></TR>
<TR><TD></TD><TD colspan="8"><A HREF="#006">ITEM 5. INTERESTS OF NAMED EXPERTS AND COUNSEL.</A></TD></TR>
<TR><TD></TD><TD colspan="8"><A HREF="#007">ITEM 6. INDEMNIFICATION OF DIRECTORS AND OFFICERS.</A></TD></TR>
<TR><TD></TD><TD colspan="8"><A HREF="#008">ITEM 7. EXEMPTION FROM REGISTRATION CLAIMED.</A></TD></TR>
<TR><TD></TD><TD colspan="8"><A HREF="#009">ITEM 8. EXHIBITS.</A></TD></TR>
<TR><TD></TD><TD colspan="8"><A HREF="#010">ITEM 9. UNDERTAKINGS.</A></TD></TR>
<TR><TD colspan="9"><A HREF="#011">SIGNATURES</A></TD></TR>
<TR><TD colspan="9"><A HREF="#012">EXHIBIT INDEX</A></TD></TR>
<TR><TD colspan="9"><A HREF="y74444exv3w1.htm">EX-3.1: AMENDED AND RESTATED CERTIFICATE OF INCORPORATION</A></TD></TR>
<TR><TD colspan="9"><A HREF="y74444exv5w1.htm">EX-5.1: OPINION OF DEWEY & LEBOEUF LLP</A></TD></TR>
<TR><TD colspan="9"><A HREF="y74444exv23w2.htm">EX-23.2: CONSENT OF JOHNSON LAMBERT & CO. LLP</A></TD></TR>
</TABLE>
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<DIV align="center" style="font-size: 10pt; margin-top: 18pt">INTRODUCTORY STATEMENT
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;At the effective time of the merger (the &#147;Effective Time&#148;) contemplated by that certain
Agreement and Plan of Merger, dated August&nbsp;4, 2008 (the &#147;Merger Agreement&#148;), by and among Tower
Group, Inc. (&#147;Tower&#148;), Ocean I Corporation, and CastlePoint Holdings, Ltd. (&#147;CastlePoint&#148;), each
outstanding option to purchase CastlePoint common shares, whether vested or unvested, will be
assumed by Tower and will automatically be converted into an option to acquire such number of
shares of Tower common stock equal to the product (rounded down to the nearest number of whole
shares) of the number of CastlePoint common shares that were subject to the original CastlePoint
share option immediately prior to the Effective Time multiplied by the option exchange ratio
described in the Merger Agreement, and such options to acquire shares of Tower common stock will
otherwise have the same terms and conditions (including vesting dates, expiration date and exercise
periods) as were in effect with respect to the corresponding option to acquire CastlePoint common
shares pursuant to the CastlePoint Holdings, Ltd. 2006 Long-Term Equity Compensation Plan, as
amended, immediately prior to the Effective Time.
</DIV>
<!-- link1 "PART I" -->
<DIV align="left"><A NAME="000"></A></DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt">PART I
</DIV>


<DIV align="Center" style="font-size: 10pt; margin-top: 6pt">INFORMATION REQUIRED IN THE SECTION 10(A) PROSPECTUS

</DIV>
<!-- link2 "ITEM 1. PLAN INFORMATION." -->
<DIV align="left"><A NAME="001"></A></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt">ITEM 1. PLAN INFORMATION.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The documents containing the information specified in Part&nbsp;I (plan and registrant information)
will be delivered in accordance with Rule&nbsp;428(b)(1) under the U.S. Securities Act of 1933, as
amended (the &#147;Securities Act&#148;). Such documents are not required to be, and are not, filed with the
Securities and Exchange Commission (the &#147;Commission&#148;), either as part of this Registration
Statement or as prospectuses or prospectus supplements pursuant to Rule&nbsp;424 under the Securities
Act. These documents, and the documents incorporated by reference in this Registration Statement
pursuant to Item&nbsp;3 of Part&nbsp;II of this Form S-8, taken together, constitute a prospectus that meets
the requirements of Section 10(a) of the Securities Act.
</DIV>
<!-- link2 "ITEM 2. REGISTRANT INFORMATION AND EMPLOYEE PLAN ANNUAL INFORMATION." -->
<DIV align="left"><A NAME="002"></A></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt">ITEM 2. REGISTRANT INFORMATION AND EMPLOYEE PLAN ANNUAL INFORMATION.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Tower will provide participants of the Plan, upon written or oral request and without charge,
a copy of the documents incorporated by reference in Item&nbsp;3 of Part&nbsp;II of this registration
statement, which are incorporated by reference in the Section 10(a) prospectus, and all documents
required to be delivered to employees pursuant to Rule 428(b) under the Securities Act. Requests
for such documents should be directed to Tower Group, Inc., 120 Broadway, 31st Floor, New York, New
York 10271, Attention: General Counsel, telephone number (212)&nbsp;655-2000.
</DIV>
<!-- link1 "PART II" -->
<DIV align="left"><A NAME="003"></A></DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt">PART II
</DIV>


<DIV align="Center" style="font-size: 10pt; margin-top: 6pt">INFORMATION REQUIRED IN THE REGISTRATION STATEMENT

</DIV>
<!-- link2 "ITEM 3. INCORPORATION OF DOCUMENTS BY REFERENCE." -->
<DIV align="left"><A NAME="004"></A></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt">ITEM 3. INCORPORATION OF DOCUMENTS BY REFERENCE.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
following documents filed by Tower with the Commission are
incorporated herein by reference:
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)&nbsp;Tower&#146;s Annual Report on Form 10-K for the year ended December&nbsp;31, 2007, filed on March
14, 2008;
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)&nbsp;Tower&#146;s Quarterly Report on Form 10-Q for the period ended March&nbsp;31, 2008, filed on May
12, 2008; Tower&#146;s Quarterly Report on Form 10-Q for the period ended June&nbsp;30, 2008, filed on August
11, 2008; and Tower&#146;s Quarterly Report on Form 10-Q for the period ended September&nbsp;30, 2008, filed
on November&nbsp;10, 2008;
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c)&nbsp;Tower&#146;s Current Reports on Form 8-K filed on March&nbsp;6, 2008; March&nbsp;18, 2008; May&nbsp;6, 2008;
May&nbsp;19, 2008; May&nbsp;29, 2008; June&nbsp;19, 2008; August&nbsp;5, 2008; August&nbsp;6, 2008; August&nbsp;7, 2008; August
27, 2008, September&nbsp;4, 2008; October&nbsp;9, 2008; November&nbsp;6, 2008; November&nbsp;25, 2008; December&nbsp;19,
2008, January&nbsp;15, 2009 and January&nbsp;28, 2009 (other than the portions of those
documents not deemed to be filed); and
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d)&nbsp;the description of Tower&#146;s common stock, which is contained in Tower&#146;s registration
statement on Form 8-A filed with the Commission on October&nbsp;18, 2004 under the Securities and
Exchange Act of 1934, as amended (the &#147;Exchange Act&#148;), including any amendments or reports filed
for the purpose of updating such description.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All reports and other documents subsequently filed by Tower pursuant to Sections 13(a) and
(c), 14 and 15(d) of the Exchange Act, prior to the filing of a post-effective amendment which
indicates that all securities offered hereby have been sold or which deregisters all securities
remaining unsold, shall be deemed to be incorporated by reference herein and to be a part hereof
from the date of the filing of such reports and documents (such documents, and the documents
enumerated above, being hereinafter referred to as &#147;Incorporated
Documents&#148;); provided, however, that the documents enumerated above or subsequently filed by Tower pursuant to Sections&nbsp;13(a),
13(c), 14 and 15(d) of the Exchange Act in each year during which the offering made hereby is in
effect prior to the filing with the Commission of Tower&#146;s Annual
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">



<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Report on Form 10-K covering such year shall not be Incorporated Documents or be incorporated
by reference herein or be a part hereof from and after the filing of such Annual Report on Form
10-K.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Any statement contained in an Incorporated Document or deemed to be incorporated by reference
herein shall be deemed to be modified or superseded for purposes hereof to the extent that a
statement contained herein or in any subsequently filed document which also is deemed to be
incorporated by reference herein modifies or supersedes such statement. Any such statement so
modified or superseded shall not be deemed, except as so modified or superseded, to constitute a
part hereof.
</DIV>
<!-- link2 "ITEM 4. DESCRIPTION OF SECURITIES." -->
<DIV align="left"><A NAME="005"></A></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt">ITEM 4. DESCRIPTION OF SECURITIES.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Not applicable.
</DIV>
<!-- link2 "ITEM 5. INTERESTS OF NAMED EXPERTS AND COUNSEL." -->
<DIV align="left"><A NAME="006"></A></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt">ITEM 5. INTERESTS OF NAMED EXPERTS AND COUNSEL.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Not applicable.
</DIV>
<!-- link2 "ITEM 6. INDEMNIFICATION OF DIRECTORS AND OFFICERS." -->
<DIV align="left"><A NAME="007"></A></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt">ITEM 6. INDEMNIFICATION OF DIRECTORS AND OFFICERS.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Under Tower&#146;s amended and restated certificate of incorporation, and in accordance with
Section&nbsp;145 of the Delaware General Corporation Law (the &#147;DGCL&#148;), Tower will indemnify any person
made or threatened to be made a party to an action or proceeding, whether civil, criminal,
administrative or investigative (other than a &#147;derivative&#148; action by or in the right of Tower to
procure a judgment in its favor) by reason of the fact that such person is or was a director or
officer of Tower, against judgments, fines, amounts paid in settlement and reasonable expenses,
including attorney&#146;s fees actually and necessarily incurred as a result of such action or
proceeding if such person acted in good faith and in a manner such person reasonably believed to be
in (or not opposed to) the best interests of Tower, and, in criminal actions or proceedings, had no
reasonable cause to believe was unlawful. A similar standard of care is applicable in the case of
derivative actions, except that indemnification only extends to amounts paid in settlement and
reasonable expenses (including attorneys&#146; fees) incurred in connection with the defense or
settlement of such an action and then, where the action is settled or otherwise disposed of or the
person is adjudged to be liable to Tower, only if and to the extent the court in which such action
was brought or, if none, a court of competent jurisdiction determines that such person is fairly
and reasonably entitled to such indemnity and then only for such expenses as the court deems
proper.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Tower&#146;s amended and restated certificate of incorporation provides that Tower will indemnify
any person made, or threatened to be made, a party to or otherwise involved in any action, suit or
proceeding (whether civil, criminal, administrative or investigative), by reason of the fact that
such person is or was a director or officer of Tower or is or was serving at the request of the
Tower as a director, officer, employee or agent of another corporation or of a partnership, joint
venture, trust, or other enterprise, including service with respect to an employee benefit plan, in
any capacity. No director of Tower will be personally liable to Tower or its stockholders for
monetary damages for any breach of fiduciary duty by such a director as a director. Notwithstanding
the foregoing sentence, a director will be liable to the extent provided by applicable law (1)&nbsp;for
any breach of the director&#146;s duty of loyalty to Tower or its stockholders, (2)&nbsp;for acts or
omissions not in good faith or which involve intentional misconduct or a knowing violation of law,
(3)&nbsp;pursuant to Section&nbsp;174 of the DGCL, or (4)&nbsp;for any transaction from which such director
derived an improper personal benefit.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In addition, Tower may purchase and maintain insurance on behalf of any person who is or was a
director, officer, employee or agent of Tower or another corporation, partnership, joint venture,
trust or other enterprise against any liability asserted against and incurred by such person in
such capacity, or arising out of the person&#146;s status as such whether or not Tower would have the
power or obligation to indemnify such person against such liability under the provisions of the
DGCL. Tower maintains insurance for the benefit of Tower&#146;s officers and directors insuring such
persons against certain liabilities, including liabilities under the securities laws.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Insofar as indemnification for liabilities arising under the Securities Act may be permitted
to directors, officers or persons controlling Tower pursuant to the foregoing provisions, Tower has
been informed that in the opinion of the Commission such indemnification is against public policy
as expressed in such Act and is therefore unenforceable.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Merger Agreement provides for indemnification of the past and present officers and
directors of CastlePoint and its subsidiaries, for acts or omissions occurring at or prior to the
completion of the merger, to the same extent as these individuals had rights of indemnification
prior to the completion of the merger.
</DIV>
<!-- link2 "ITEM 7. EXEMPTION FROM REGISTRATION CLAIMED." -->
<DIV align="left"><A NAME="008"></A></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt">ITEM 7. EXEMPTION FROM REGISTRATION CLAIMED.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Not applicable.
</DIV>
<!-- link2 "ITEM 8. EXHIBITS." -->
<DIV align="left"><A NAME="009"></A></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt">ITEM 8. EXHIBITS.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;See Exhibit&nbsp;Index.
</DIV>
<!-- link2 "ITEM 9. UNDERTAKINGS." -->
<DIV align="left"><A NAME="010"></A></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt">ITEM 9. UNDERTAKINGS.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(a)&nbsp;The undersigned registrant hereby undertakes:
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) To file, during any period in which offers or sales are being made, a post-effective
amendment to this Registration Statement:
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->&nbsp;<!-- /Folio -->
</DIV>

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<H5 align="left" style="page-break-before:always"><A HREF="#toc">Table of Contents</A></H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 4%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) to include any prospectus required by Section&nbsp;10(a)(3) of the Securities Act;
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 4%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii) to reflect in the prospectus any facts or events arising after the effective date
of this Registration Statement (or the most recent post-effective amendment thereof) which,
individually or in the aggregate, represent a fundamental change in the information set
forth in this Registration Statement. Notwithstanding the foregoing, any increase or
decrease in volume of securities offered (if the total dollar value of securities offered
would not exceed that which was registered) and any deviation from the low or high end of
the estimated maximum offering range may be reflected in the form of prospectus filed with
the Commission pursuant to Rule 424(b) if, in the aggregate, the changes in volume and price
represent no more than a 20% change in the maximum aggregate offering price set forth in the
&#147;Calculation of Registration Fee&#148; table in the effective Registration Statement; and
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 4%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iii) to include any material information with respect to the plan of distribution not
previously disclosed in this Registration Statement or any material change to such
information in this Registration Statement;
</DIV>
<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><I>provided</I>, <I>however </I>that paragraphs (a)(1)(i) and (a)(1)(ii) of this section do not apply if the
information required to be included in a post-effective amendment by such paragraphs is contained
in reports filed with or furnished to the Commission by the registrant pursuant to Section&nbsp;13 or 15(d) of
the Exchange Act that are incorporated by reference in this Registration Statement.
</DIV>



<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2) That, for the purpose of determining any liability under the Securities Act, each such
post-effective amendment shall be deemed to be a new registration statement relating to the
securities offered therein, and the offering of such securities at that time shall be deemed to
be the initial bona fide offering thereof.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(3) To remove from registration by means of a post-effective amendment any of the
securities being registered which remain unsold at the termination of the offering.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)&nbsp;The registrant hereby undertakes that, for purposes of determining any liability under the
Securities Act, each filing of the registrant&#146;s annual report pursuant to Section 13(a) or Section
15(d) of the Exchange Act (and, where applicable, each filing of an employee benefit plan&#146;s annual
report pursuant to Section 15(d) of the Exchange Act) that is incorporated by reference in this
Registration Statement shall be deemed to be a new registration statement relating to the
securities offered therein, and the offering of such securities at that time shall be deemed to be
the initial bona fide offering thereof.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c)&nbsp;Insofar as indemnification for liabilities arising under the Securities Act may be
permitted to directors, officers and controlling persons of the registrant pursuant to the
foregoing provisions, or otherwise, the registrant has been advised that in the opinion of the Commission
such indemnification is against public policy as expressed in the Securities Act and is, therefore,
unenforceable. In the event that a claim for indemnification against such liabilities (other than
the payment by the registrant of expenses incurred or paid by a director, officer or controlling
person of the registrant in the successful defense of any action, suit or proceeding) is asserted
by such director, officer or controlling person in connection with the securities being registered,
the registrant will, unless in the opinion of its counsel the matter has been settled by
controlling precedent, submit to a court of appropriate jurisdiction the question whether such
indemnification by it is against public policy as expressed in the Securities Act and will be
governed by the final adjudication of such issue.
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->&nbsp;<!-- /Folio -->
</DIV>

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<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#toc">Table of Contents</A></H5><P>
<DIV style="font-family: 'Times New Roman',Times,serif">
<!-- link1 "SIGNATURES" -->
<DIV align="left"><A NAME="011"></A></DIV>
<DIV align="center" style="font-size: 10pt; margin-top: 18pt">SIGNATURES</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pursuant to the requirements of the Securities Act, the registrant certifies that it has
reasonable grounds to believe that it meets all of the requirements for filing on Form S-8 and has
duly caused this Registration Statement to be signed on its behalf by the undersigned thereunto
duly authorized, in New York, New York, on the 5th day of February.</DIV>

<TABLE width="100%" border="0" cellspacing="0" cellpadding="0" style="font-size: 10pt">
<TR>
    <TD width="48%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="35%">&nbsp;</TD>
    <TD width="15%">&nbsp;</TD>
</TR>
<TR>
    <TD valign="top" align="left">&nbsp;</TD>
    <TD colspan="3" align="left">TOWER GROUP, INC.<BR>
&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR><TR>
    <TD align="left">&nbsp;</TD>
    <TD valign="top">By:&nbsp;&nbsp;</TD>
    <TD colspan="2" style="border-bottom: 1px solid #000000" align="left">/s/ Francis M. Colalucci
&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR>
    <TD align="left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left">Francis M. Colalucci&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR>
    <TD align="left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left">Senior Vice President, Chief Financial Officer,<BR>
Treasurer and Director&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>
</TABLE>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt">POWER OF ATTORNEY</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;KNOW ALL PERSONS BY THESE PRESENTS, that each person whose signature appears below constitutes
and appoints MICHAEL H. LEE and FRANCIS M. COLALUCCI, and each of them, as his or her true and
lawful attorneys-in-fact and agents, with full power of substitution and resubstitution, for the
undersigned and in his or her name, place and stead, in any and all capacities, to sign any or all
amendments (including post-effective amendments) to the Registration Statement and to file the
same, with all exhibits thereto, and all documents in connection therewith, with the Securities and
Exchange Commission, granting unto said attorneys-in-fact and agents, and each of them, full power
of authority to do and perform each and every act and thing requisite and necessary to be done in
connection therewith, as fully to all intents and purposes as he or she might or could do in
person, hereby ratifying and confirming all that said attorneys-in-fact and agents, each acting
alone, or his or her substitute or substitutes, may lawfully do or cause to be done by virtue
hereof.</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pursuant to the requirements of the Securities Act, this Registration Statement has been
signed below by the following persons in the capacities indicated and on the dates indicated.</DIV>

<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="35%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="30%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="15%">&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD nowrap align="center" style="border-bottom: 1px solid #000000"><B>Signature</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" style="border-bottom: 1px solid #000000"><B>Title</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" style="border-bottom: 1px solid #000000"><B>Date</B></TD>
</TR>

<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top" align="center"><DIV style="margin-left:0px; text-indent:-0px">/s/ Michael H. Lee
<DIV style="width: 100%; border-bottom: 1px solid #000000; font-size: 1px">&nbsp;</DIV>Michael H. Lee
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">Chairman of the Board, President and<BR>
Chief Executive Officer<Br>
(Principal Executive Officer)
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">February 5, 2009</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top" align="center"><DIV style="margin-left:0px; text-indent:-0px">/s/ Francis M. Colalucci
<DIV style="width: 100%; border-bottom: 1px solid #000000; font-size: 1px">&nbsp;</DIV>Francis M. Colalucci
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">Senior Vice President, Chief<BR>
Financial Officer and Treasurer, Director<BR>
(Principal Financial Officer,<BR>
Principal Accounting Officer)
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">February 5, 2009</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top" align="center"><DIV style="margin-left:0px; text-indent:-0px">/s/ Steven W. Schuster
<DIV style="width: 100%; border-bottom: 1px solid #000000; font-size: 1px">&nbsp;</DIV>Steven W. Schuster
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">Director
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">February 5, 2009</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top" align="center"><DIV style="margin-left:0px; text-indent:-0px">/s/ Charles A. Bryan
<DIV style="width: 100%; border-bottom: 1px solid #000000; font-size: 1px">&nbsp;</DIV>Charles A. Bryan
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">Director
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">February 5, 2009</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top" align="center"><DIV style="margin-left:0px; text-indent:-0px">/s/ William W. Fox, Jr.
<DIV style="width: 100%; border-bottom: 1px solid #000000; font-size: 1px">&nbsp;</DIV>William W. Fox, Jr.
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">Director
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">February 5, 2009</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top" align="center"><DIV style="margin-left:0px; text-indent:-0px">Austin P. Young III
<DIV style="width: 100%; border-bottom: 1px solid #000000; font-size: 1px">&nbsp;</DIV>Austin P. Young III
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">Director
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">February 5, 2009</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->&nbsp;<!-- /Folio -->
</DIV>
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<P><HR noshade><P>
<H5 align="left" style="page-break-before:always"><A HREF="#toc">Table of Contents</A></H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">

<!-- link1 "EXHIBIT INDEX" -->
<DIV align="left"><A NAME="012"></A></DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt">EXHIBIT INDEX
</DIV>

<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="5%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="92%">&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD nowrap align="left" style="border-bottom: 1px solid #000000">Number</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" style="border-bottom: 1px solid #000000">Description of Exhibit</TD>
</TR>

<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">3.1
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Certificate of Amendment of Amended and Restated Certificate of Incorporation of the Registrant.</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">3.2*
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Amended and Restated By-laws of the Registrant (incorporated by reference to Exhibit
3.1 to the Registrant&#146;s Current Report on Form&nbsp;8-K filed on October&nbsp;26, 2007).</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">5.1
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Opinion of Dewey &#038; LeBoeuf LLP, regarding the legality of the securities being issued.</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">23.1
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Consent of Dewey &#038; LeBoeuf LLP (included in opinion of counsel filed as Exhibit&nbsp;5.1).</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">23.2
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Consent of Johnson Lambert &#038; Co. LLP.</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">24.1
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Power of Attorney (set forth on the signature page of this Registration Statement).</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">99.1*
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">CastlePoint Holdings, Ltd. 2006 Long-Term Equity Compensation Plan (incorporated by
reference to Exhibit&nbsp;10.4 to CastlePoint&#146;s Registration Statement on Form&nbsp;S-1 (File
No.&nbsp;333-134628) filed on June&nbsp;1, 2006).</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">99.2*
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Amendment No.&nbsp;1 to CastlePoint Holdings, Ltd. 2006 Long-Term Equity Compensation Plan
(incorporated by reference to Exhibit&nbsp;4.5 to CastlePoint&#146;s Registration Statement on
Form&nbsp;S-8 (File No.&nbsp;333-134628) filed on December&nbsp;5, 2007).</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">99.3*
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Form of Stock Option Agreement for Executive Employee Recipients of Options under
2006 Long-Term Equity Compensation Plan (incorporated by reference to Exhibit&nbsp;10.5 to
CastlePoint&#146;s Registration Statement on Form&nbsp;S-1 (File No.&nbsp;333-134628) filed on June
1, 2006).</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">99.4*
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Form of Stock Option Agreement for Non-Employee Director Recipients of Options under
2006 Long-Term Equity Compensation Plan (incorporated by reference to Exhibit&nbsp;10.6 to
the CastlePoint &#145;s Registration Statement on Form&nbsp;S-1 (File No.&nbsp;333-134628) filed on
June&nbsp;1, 2006).</TD>
</TR>
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    <TD>Previously filed.</TD>
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[{"type": "S-8", "sequence": "1", "filename": "y74444sv8.htm", "description": "FORM S-8", "secsgml_size_bytes": 50770}]
{"company-data": {"conformed-name": "Tower Group, Inc.", "cik": "0001289592", "assigned-sic": "6331", "irs-number": "133894120", "state-of-incorporation": "DE", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "S-8", "act": "33", "file-number": "333-157112", "film-number": "09572690"}, "business-address": {"street1": "120 BROADWAY", "street2": "31ST FLOOR", "city": "NEW YORK", "state": "NY", "zip": "10271", "phone": "(212) 655-2000"}, "mail-address": {"street1": "120 BROADWAY", "street2": "31ST FLOOR", "city": "NEW YORK", "state": "NY", "zip": "10271"}}
S-8
Table of Contents
As filed with the Securities and Exchange Commission on February 5, 2009
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, DC 20549
FORM S-8
REGISTRATION STATEMENT
UNDER THE
SECURITIES ACT OF 1933
TOWER GROUP, INC.
(Exact name of registrant as specified in its charter)
Delaware
13-3894120
(State or other jurisdiction of incorporation or organization)
(I.R.S. Employer Identification No.)
120 Broadway, 31st Floor
New York, New York 10271
(Address, including zip code, of principal executive offices)
CastlePoint Holdings, Ltd. 2006 Long-Term Equity Compensation Plan
(Full title of the plan)
Francis M. Colalucci
Senior Vice President, Chief Financial Officer and Treasurer
Tower Group, Inc.
120 Broadway, 31st Floor
New York, New York 10271
(Name and address of agent for service)
Copies to:
Elliot S. Orol, Esq.
John M. Schwolsky, Esq.
Senior Vice President, General Counsel and Secretary
Joseph L. Seiler III, Esq.
Tower Group, Inc.
Dewey & LeBoeuf LLP
120 Broadway, 31st Floor
1301 Avenue of the Americas
New York, New York 10271
New York, New York 10019
(212) 655-2000
(Telephone number, including area code, of agent for service)
Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer or a smaller reporting company. See the definitions of "large accelerated filer," "accelerated filer" and "smaller reporting company" in Rule 12b-2 of the Exchange Act. (Check one):
Large accelerated filer
o
Accelerated filer
þ
Non-accelerated filer
o
(Do not check if a smaller reporting company)
Smaller reporting company
o
CALCULATION OF REGISTRATION FEE
Proposed maximum
Proposed maximum
Title of securities to be
Amount to be
offering price per
aggregate offering
Amount of
registered
registered (1)(2)
Share(3)
Price (3)
Registration Fee(4)
Common Stock, par value $0.01 per share
1,148,330
$
25.43
$
29,202,031
$
1,148
(1)
Pursuant to Rule 416 under the Securities Act of 1933, as amended (the "Securities Act")
this registration statement on Form S-8 (this "Registration Statement") also covers any
additional securities to be offered or issued in connection with a stock split, stock
dividend or similar transaction. Each of the shares of Tower Group, Inc.'s ("Tower")
common stock registered hereunder are issuable upon the exercise of outstanding options to
acquire common shares of CastlePoint Holdings, Ltd. ("CastlePoint") pursuant to grants
previously made under CastlePoint's stock option plans and programs (the "CastlePoint
Plans"). Tower agreed to assume these awards in connection with the merger of CastlePoint
with and into Ocean I Corporation, a wholly-owned subsidiary of Tower ("Ocean I"), pursuant
to that certain Agreement and Plan of Merger, dated as of August 4, 2008, by and among
Tower, Ocean I and CastlePoint (the "Merger Agreement").
(2)
Represents a bona fide estimate of the maximum amount of shares of Tower common stock to
that may be issued upon the exercise of CastlePoint share options assumed by Tower in the
merger, calculated as the product of (a) 2,118,301, which is the number of outstanding
options to acquire CastlePoint commons shares under the CastlePoint Plans as of February 4, 2009, and (b) 0.5421, which is the option exchange ratio calculated
pursuant to the merger agreement.
(3)
Estimated solely for the purpose of calculating the registration fee required by Section
6(b) of the Securities Act, and calculated pursuant to paragraphs (c) and (h) of Rule 457
under the Securities Act, based upon the average high and low prices of Tower common stock,
as reported on the NASDAQ Global Select Market on February 4, 2009.
(4)
Calculated by multiplying the estimated aggregate offering price of securities by 0.0000393.
TABLE OF CONTENTS
PART I
ITEM 1. PLAN INFORMATION.
ITEM 2. REGISTRANT INFORMATION AND EMPLOYEE PLAN ANNUAL INFORMATION.
PART II
ITEM 3. INCORPORATION OF DOCUMENTS BY REFERENCE.
ITEM 4. DESCRIPTION OF SECURITIES.
ITEM 5. INTERESTS OF NAMED EXPERTS AND COUNSEL.
ITEM 6. INDEMNIFICATION OF DIRECTORS AND OFFICERS.
ITEM 7. EXEMPTION FROM REGISTRATION CLAIMED.
ITEM 8. EXHIBITS.
ITEM 9. UNDERTAKINGS.
SIGNATURES
EXHIBIT INDEX
EX-3.1: AMENDED AND RESTATED CERTIFICATE OF INCORPORATION
EX-5.1: OPINION OF DEWEY & LEBOEUF LLP
EX-23.2: CONSENT OF JOHNSON LAMBERT & CO. LLP
Table of Contents
INTRODUCTORY STATEMENT
At the effective time of the merger (the "Effective Time") contemplated by that certain
Agreement and Plan of Merger, dated August 4, 2008 (the "Merger Agreement"), by and among Tower
Group, Inc. ("Tower"), Ocean I Corporation, and CastlePoint Holdings, Ltd. ("CastlePoint"), each
outstanding option to purchase CastlePoint common shares, whether vested or unvested, will be
assumed by Tower and will automatically be converted into an option to acquire such number of
shares of Tower common stock equal to the product (rounded down to the nearest number of whole
shares) of the number of CastlePoint common shares that were subject to the original CastlePoint
share option immediately prior to the Effective Time multiplied by the option exchange ratio
described in the Merger Agreement, and such options to acquire shares of Tower common stock will
otherwise have the same terms and conditions (including vesting dates, expiration date and exercise
periods) as were in effect with respect to the corresponding option to acquire CastlePoint common
shares pursuant to the CastlePoint Holdings, Ltd. 2006 Long-Term Equity Compensation Plan, as
amended, immediately prior to the Effective Time.
PART I
INFORMATION REQUIRED IN THE SECTION 10(A) PROSPECTUS
ITEM 1. PLAN INFORMATION.
The documents containing the information specified in Part I (plan and registrant information)
will be delivered in accordance with Rule 428(b)(1) under the U.S. Securities Act of 1933, as
amended (the "Securities Act"). Such documents are not required to be, and are not, filed with the
Securities and Exchange Commission (the "Commission"), either as part of this Registration
Statement or as prospectuses or prospectus supplements pursuant to Rule 424 under the Securities
Act. These documents, and the documents incorporated by reference in this Registration Statement
pursuant to Item 3 of Part II of this Form S-8, taken together, constitute a prospectus that meets
the requirements of Section 10(a) of the Securities Act.
ITEM 2. REGISTRANT INFORMATION AND EMPLOYEE PLAN ANNUAL INFORMATION.
Tower will provide participants of the Plan, upon written or oral request and without charge,
a copy of the documents incorporated by reference in Item 3 of Part II of this registration
statement, which are incorporated by reference in the Section 10(a) prospectus, and all documents
required to be delivered to employees pursuant to Rule 428(b) under the Securities Act. Requests
for such documents should be directed to Tower Group, Inc., 120 Broadway, 31st Floor, New York, New
York 10271, Attention: General Counsel, telephone number (212) 655-2000.
PART II
INFORMATION REQUIRED IN THE REGISTRATION STATEMENT
ITEM 3. INCORPORATION OF DOCUMENTS BY REFERENCE.
The
following documents filed by Tower with the Commission are
incorporated herein by reference:
(a) Tower's Annual Report on Form 10-K for the year ended December 31, 2007, filed on March
14, 2008;
(b) Tower's Quarterly Report on Form 10-Q for the period ended March 31, 2008, filed on May
12, 2008; Tower's Quarterly Report on Form 10-Q for the period ended June 30, 2008, filed on August
11, 2008; and Tower's Quarterly Report on Form 10-Q for the period ended September 30, 2008, filed
on November 10, 2008;
(c) Tower's Current Reports on Form 8-K filed on March 6, 2008; March 18, 2008; May 6, 2008;
May 19, 2008; May 29, 2008; June 19, 2008; August 5, 2008; August 6, 2008; August 7, 2008; August
27, 2008, September 4, 2008; October 9, 2008; November 6, 2008; November 25, 2008; December 19,
2008, January 15, 2009 and January 28, 2009 (other than the portions of those
documents not deemed to be filed); and
(d) the description of Tower's common stock, which is contained in Tower's registration
statement on Form 8-A filed with the Commission on October 18, 2004 under the Securities and
Exchange Act of 1934, as amended (the "Exchange Act"), including any amendments or reports filed
for the purpose of updating such description.
All reports and other documents subsequently filed by Tower pursuant to Sections 13(a) and
(c), 14 and 15(d) of the Exchange Act, prior to the filing of a post-effective amendment which
indicates that all securities offered hereby have been sold or which deregisters all securities
remaining unsold, shall be deemed to be incorporated by reference herein and to be a part hereof
from the date of the filing of such reports and documents (such documents, and the documents
enumerated above, being hereinafter referred to as "Incorporated
Documents"); provided, however, that the documents enumerated above or subsequently filed by Tower pursuant to Sections 13(a),
13(c), 14 and 15(d) of the Exchange Act in each year during which the offering made hereby is in
effect prior to the filing with the Commission of Tower's Annual
Table of Contents
Report on Form 10-K covering such year shall not be Incorporated Documents or be incorporated
by reference herein or be a part hereof from and after the filing of such Annual Report on Form
10-K.
Any statement contained in an Incorporated Document or deemed to be incorporated by reference
herein shall be deemed to be modified or superseded for purposes hereof to the extent that a
statement contained herein or in any subsequently filed document which also is deemed to be
incorporated by reference herein modifies or supersedes such statement. Any such statement so
modified or superseded shall not be deemed, except as so modified or superseded, to constitute a
part hereof.
ITEM 4. DESCRIPTION OF SECURITIES.
Not applicable.
ITEM 5. INTERESTS OF NAMED EXPERTS AND COUNSEL.
Not applicable.
ITEM 6. INDEMNIFICATION OF DIRECTORS AND OFFICERS.
Under Tower's amended and restated certificate of incorporation, and in accordance with
Section 145 of the Delaware General Corporation Law (the "DGCL"), Tower will indemnify any person
made or threatened to be made a party to an action or proceeding, whether civil, criminal,
administrative or investigative (other than a "derivative" action by or in the right of Tower to
procure a judgment in its favor) by reason of the fact that such person is or was a director or
officer of Tower, against judgments, fines, amounts paid in settlement and reasonable expenses,
including attorney's fees actually and necessarily incurred as a result of such action or
proceeding if such person acted in good faith and in a manner such person reasonably believed to be
in (or not opposed to) the best interests of Tower, and, in criminal actions or proceedings, had no
reasonable cause to believe was unlawful. A similar standard of care is applicable in the case of
derivative actions, except that indemnification only extends to amounts paid in settlement and
reasonable expenses (including attorneys' fees) incurred in connection with the defense or
settlement of such an action and then, where the action is settled or otherwise disposed of or the
person is adjudged to be liable to Tower, only if and to the extent the court in which such action
was brought or, if none, a court of competent jurisdiction determines that such person is fairly
and reasonably entitled to such indemnity and then only for such expenses as the court deems
proper.
Tower's amended and restated certificate of incorporation provides that Tower will indemnify
any person made, or threatened to be made, a party to or otherwise involved in any action, suit or
proceeding (whether civil, criminal, administrative or investigative), by reason of the fact that
such person is or was a director or officer of Tower or is or was serving at the request of the
Tower as a director, officer, employee or agent of another corporation or of a partnership, joint
venture, trust, or other enterprise, including service with respect to an employee benefit plan, in
any capacity. No director of Tower will be personally liable to Tower or its stockholders for
monetary damages for any breach of fiduciary duty by such a director as a director. Notwithstanding
the foregoing sentence, a director will be liable to the extent provided by applicable law (1) for
any breach of the director's duty of loyalty to Tower or its stockholders, (2) for acts or
omissions not in good faith or which involve intentional misconduct or a knowing violation of law,
(3) pursuant to Section 174 of the DGCL, or (4) for any transaction from which such director
derived an improper personal benefit.
In addition, Tower may purchase and maintain insurance on behalf of any person who is or was a
director, officer, employee or agent of Tower or another corporation, partnership, joint venture,
trust or other enterprise against any liability asserted against and incurred by such person in
such capacity, or arising out of the person's status as such whether or not Tower would have the
power or obligation to indemnify such person against such liability under the provisions of the
DGCL. Tower maintains insurance for the benefit of Tower's officers and directors insuring such
persons against certain liabilities, including liabilities under the securities laws.
Insofar as indemnification for liabilities arising under the Securities Act may be permitted
to directors, officers or persons controlling Tower pursuant to the foregoing provisions, Tower has
been informed that in the opinion of the Commission such indemnification is against public policy
as expressed in such Act and is therefore unenforceable.
The Merger Agreement provides for indemnification of the past and present officers and
directors of CastlePoint and its subsidiaries, for acts or omissions occurring at or prior to the
completion of the merger, to the same extent as these individuals had rights of indemnification
prior to the completion of the merger.
ITEM 7. EXEMPTION FROM REGISTRATION CLAIMED.
Not applicable.
ITEM 8. EXHIBITS.
See Exhibit Index.
ITEM 9. UNDERTAKINGS.
(a) The undersigned registrant hereby undertakes:
(1) To file, during any period in which offers or sales are being made, a post-effective
amendment to this Registration Statement:
Table of Contents
(i) to include any prospectus required by Section 10(a)(3) of the Securities Act;
(ii) to reflect in the prospectus any facts or events arising after the effective date
of this Registration Statement (or the most recent post-effective amendment thereof) which,
individually or in the aggregate, represent a fundamental change in the information set
forth in this Registration Statement. Notwithstanding the foregoing, any increase or
decrease in volume of securities offered (if the total dollar value of securities offered
would not exceed that which was registered) and any deviation from the low or high end of
the estimated maximum offering range may be reflected in the form of prospectus filed with
the Commission pursuant to Rule 424(b) if, in the aggregate, the changes in volume and price
represent no more than a 20% change in the maximum aggregate offering price set forth in the
"Calculation of Registration Fee" table in the effective Registration Statement; and
(iii) to include any material information with respect to the plan of distribution not
previously disclosed in this Registration Statement or any material change to such
information in this Registration Statement;
provided
,
however
that paragraphs (a)(1)(i) and (a)(1)(ii) of this section do not apply if the
information required to be included in a post-effective amendment by such paragraphs is contained
in reports filed with or furnished to the Commission by the registrant pursuant to Section 13 or 15(d) of
the Exchange Act that are incorporated by reference in this Registration Statement.
(2) That, for the purpose of determining any liability under the Securities Act, each such
post-effective amendment shall be deemed to be a new registration statement relating to the
securities offered therein, and the offering of such securities at that time shall be deemed to
be the initial bona fide offering thereof.
(3) To remove from registration by means of a post-effective amendment any of the
securities being registered which remain unsold at the termination of the offering.
(b) The registrant hereby undertakes that, for purposes of determining any liability under the
Securities Act, each filing of the registrant's annual report pursuant to Section 13(a) or Section
15(d) of the Exchange Act (and, where applicable, each filing of an employee benefit plan's annual
report pursuant to Section 15(d) of the Exchange Act) that is incorporated by reference in this
Registration Statement shall be deemed to be a new registration statement relating to the
securities offered therein, and the offering of such securities at that time shall be deemed to be
the initial bona fide offering thereof.
(c) Insofar as indemnification for liabilities arising under the Securities Act may be
permitted to directors, officers and controlling persons of the registrant pursuant to the
foregoing provisions, or otherwise, the registrant has been advised that in the opinion of the Commission
such indemnification is against public policy as expressed in the Securities Act and is, therefore,
unenforceable. In the event that a claim for indemnification against such liabilities (other than
the payment by the registrant of expenses incurred or paid by a director, officer or controlling
person of the registrant in the successful defense of any action, suit or proceeding) is asserted
by such director, officer or controlling person in connection with the securities being registered,
the registrant will, unless in the opinion of its counsel the matter has been settled by
controlling precedent, submit to a court of appropriate jurisdiction the question whether such
indemnification by it is against public policy as expressed in the Securities Act and will be
governed by the final adjudication of such issue.
Table of Contents
SIGNATURES
Pursuant to the requirements of the Securities Act, the registrant certifies that it has
reasonable grounds to believe that it meets all of the requirements for filing on Form S-8 and has
duly caused this Registration Statement to be signed on its behalf by the undersigned thereunto
duly authorized, in New York, New York, on the 5th day of February.
TOWER GROUP, INC.
By:
/s/ Francis M. Colalucci
Francis M. Colalucci
Senior Vice President, Chief Financial Officer,
Treasurer and Director
POWER OF ATTORNEY
KNOW ALL PERSONS BY THESE PRESENTS, that each person whose signature appears below constitutes
and appoints MICHAEL H. LEE and FRANCIS M. COLALUCCI, and each of them, as his or her true and
lawful attorneys-in-fact and agents, with full power of substitution and resubstitution, for the
undersigned and in his or her name, place and stead, in any and all capacities, to sign any or all
amendments (including post-effective amendments) to the Registration Statement and to file the
same, with all exhibits thereto, and all documents in connection therewith, with the Securities and
Exchange Commission, granting unto said attorneys-in-fact and agents, and each of them, full power
of authority to do and perform each and every act and thing requisite and necessary to be done in
connection therewith, as fully to all intents and purposes as he or she might or could do in
person, hereby ratifying and confirming all that said attorneys-in-fact and agents, each acting
alone, or his or her substitute or substitutes, may lawfully do or cause to be done by virtue
hereof.
Pursuant to the requirements of the Securities Act, this Registration Statement has been
signed below by the following persons in the capacities indicated and on the dates indicated.
Signature
Title
Date
/s/ Michael H. Lee
Michael H. Lee
Chairman of the Board, President and
Chief Executive Officer
(Principal Executive Officer)
February 5, 2009
/s/ Francis M. Colalucci
Francis M. Colalucci
Senior Vice President, Chief
Financial Officer and Treasurer, Director
(Principal Financial Officer,
Principal Accounting Officer)
February 5, 2009
/s/ Steven W. Schuster
Steven W. Schuster
Director
February 5, 2009
/s/ Charles A. Bryan
Charles A. Bryan
Director
February 5, 2009
/s/ William W. Fox, Jr.
William W. Fox, Jr.
Director
February 5, 2009
Austin P. Young III
Austin P. Young III
Director
February 5, 2009
Table of Contents
EXHIBIT INDEX
Number
Description of Exhibit
3.1
Certificate of Amendment of Amended and Restated Certificate of Incorporation of the Registrant.
3.2*
Amended and Restated By-laws of the Registrant (incorporated by reference to Exhibit
3.1 to the Registrant's Current Report on Form 8-K filed on October 26, 2007).
5.1
Opinion of Dewey & LeBoeuf LLP, regarding the legality of the securities being issued.
23.1
Consent of Dewey & LeBoeuf LLP (included in opinion of counsel filed as Exhibit 5.1).
23.2
Consent of Johnson Lambert & Co. LLP.
24.1
Power of Attorney (set forth on the signature page of this Registration Statement).
99.1*
CastlePoint Holdings, Ltd. 2006 Long-Term Equity Compensation Plan (incorporated by
reference to Exhibit 10.4 to CastlePoint's Registration Statement on Form S-1 (File
No. 333-134628) filed on June 1, 2006).
99.2*
Amendment No. 1 to CastlePoint Holdings, Ltd. 2006 Long-Term Equity Compensation Plan
(incorporated by reference to Exhibit 4.5 to CastlePoint's Registration Statement on
Form S-8 (File No. 333-134628) filed on December 5, 2007).
99.3*
Form of Stock Option Agreement for Executive Employee Recipients of Options under
2006 Long-Term Equity Compensation Plan (incorporated by reference to Exhibit 10.5 to
CastlePoint's Registration Statement on Form S-1 (File No. 333-134628) filed on June
1, 2006).
99.4*
Form of Stock Option Agreement for Non-Employee Director Recipients of Options under
2006 Long-Term Equity Compensation Plan (incorporated by reference to Exhibit 10.6 to
the CastlePoint 's Registration Statement on Form S-1 (File No. 333-134628) filed on
June 1, 2006).
*
Previously filed.
II-4