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                                                                    Exhibit 31.2

 CERTIFICATION OF ANN F. MASSEY, CHIEF FINANCIAL OFFICER, PURSUANT TO SECURITIES
              EXCHANGE ACT RULES 13A-14(A) AND 15D-14, AS ADOPTED
            PURSUANT TO SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002

I, Ann F. Massey, Chief Financial Officer of Cover-All Technologies Inc.,
certify that:

1.      I have reviewed this Quarterly Report on Form 10-Q of Cover-All
        Technologies Inc. (the "Registrant") for the period ended September 30,
        2005 (the "Report");

2.      Based on my knowledge, this Report does not contain any untrue statement
        of a material fact or omit to state a material fact necessary to make
        the statements made, in light of the circumstances under which such
        statements were made, not misleading with respect to the period covered
        by this Report;

3.      Based on my knowledge, the financial statements, and other financial
        information included in this Report, fairly present in all material
        respects the financial condition, results of operations and cash flows
        of the Registrant as of, and for, the periods presented in this Report;

4.      The Registrant's other certifying officer and I are responsible for
        establishing and maintaining disclosure controls and procedures (as
        defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) for the
        registrant and have:

        (a)     designed such disclosure controls and procedures, or caused such
        disclosure controls and procedures to be designed under our supervision,
        to ensure that material information relating to the Registrant,
        including its consolidated subsidiaries, is made known to us by others
        within those entities, particularly during the period in which this
        Report is being prepared;

        (b)     evaluated the effectiveness of the Registrant's disclosure
        controls and procedures and presented in this Report our conclusions
        about the effectiveness of the disclosure controls and procedures, as of
        the end of the period covered by this Report based on such evaluation;
        and

        (c)     disclosed in this Report any change in the Registrant's internal
        control over financial Reporting that occurred during the Registrant's
        most recent fiscal quarter that has materially affected, or is
        reasonably likely to materially affect, the Registrant's internal
        control over financial Reporting;

5.      The Registrant's other certifying officer and I have disclosed, based on
        our most recent evaluation of internal control over financial reporting,
        to the Registrant's auditors and the audit committee of the Registrant's
        board of directors:

        (a)     all significant deficiencies and material weaknesses in the
        design or operation of internal control over financial reporting which
        are reasonably likely to adversely affect the Registrant's ability to
        record, process, summarize and report financial information; and

        (b)     any fraud, whether or not material, that involves management or
        other employees who have a significant role in the Registrant's internal
        control over financial reporting.

Date:  November 14, 2005


/s/ Ann F. Massey
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Name:   Ann F. Massey
Title:  Chief Financial Officer