Exhibit 10(ff)


                          AMENDMENT TO PLEDGE AGREEMENT
                          -----------------------------


          Amendment, dated as of November 12, 1999, (the "Amendment") to that
certain Pledge Agreement (the "Original Agreement"), dated as of March 31, 1998
by and between Care Corporation Limited, a company incorporated in the British
Virgin Islands with offices at Abbott Building, P.O. Box 3186, Main Street, Road
Town, Tortola, British Virgin Islands (the "Pledgor"), and Cover-All
Technologies Inc., a Delaware corporation with offices at 18-01 Pollitt Drive,
Fair Lawn, New Jersey 07410 ("Secured Party"). Capitalized terms utilized in
this Amendment and not defined herein shall have the meanings ascribed to them
in the Original Agreement.

          WHEREAS, Pledgor and the Secured Party desire to enter into this
Amendment in order to modify a certain provision in the Original Agreement
concerning the required Pledged Collateral;

          NOW, THEREFORE, in consideration of the benefits to be realized by the
parties hereto and for other good and valuable consideration, the receipt and
sufficiency of which is hereby acknowledged, the parties hereto agree as
follows:

          1.   Section 3 of the Original Agreement is hereby deleted in its
entirety and the following is hereby substituted as new Section 3:

3.   PARTIAL RELEASE OF PLEDGED SHARES. Notwithstanding Section 2 hereof,
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concurrently with the receipt by Secured Party of principal payments under the
Note, Secured Party shall release the lien created by this Agreement with
respect to, and return to Pledgor, certificates representing such number of
Pledged Shares (the "Released Shares") as is equal to the difference (the
"Difference") of (a) the total number of Pledged Shares held immediately prior
to the principal payment being made less (b) the product of (i) a fraction, the
numerator of which shall be the total principal balance outstanding under the
Note immediately following, and after giving effect to, the principal payment in
question and the denominator of which shall be the Market Price per share of the
Common Stock on the date upon which the principal payment is made, multiplied by
(ii) 1.5. All Released Shares hereafter shall no longer constitute Pledged
Shares or Pledged Collateral for purposes of this Agreement, provided, however,
that if the Difference calculated pursuant to this Section 3 results in a
negative number, then Pledgor must deliver and pledge to Secured Party an
additional amount of Common Stock to Secured Party (or, if Pledgor cannot
fulfill such requirement with Common Stock, another form of additional
collateral which is acceptable to the Secured Party in its sole discretion), in
order to satisfy the requirement of this Agreement to maintain at all times
during the term of this Agreement Pledged Collateral with a value determined in
accordance with this Agreement of at least 1.5 times the unpaid principal
balance under the Note, provided, that, notwithstanding anything to the contrary
in this Agreement, the maximum number of shares of Common Stock Pledgor shall be
required to pledge at any time shall be 2,500,000.


<PAGE>


          2.   Except as specifically provided herein, the Original Agreement
shall not be otherwise affected by this Amendment and shall continue to be in
full force and effect in accordance with its terms.

          IN WITNESS WHEREOF, the undersigned have entered into this Amendment
as of the 12th day of November, 1999.

                                        CARE CORPORATION LIMITED


                                        By:________________________________
                                           Name:
                                           Title:

                                        COVER-ALL TECHNOLOGIES INC.


                                        By:________________________________
                                            Name:
                                           Title:


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