EMPLOYMENT AGREEMENT

            AGREEMENT made as of the 20th day of December 1999, by and between
COVER-ALL TECHNOLOGIES INC., a Delaware corporation (the "Company"), having its
principal office at 18-01 Pollitt Drive, Fair Lawn, New Jersey 07410 and JOHN
ROBLIN, currently residing at 71 Spring Hill Road, Annandale, New Jersey 08801
(the "Executive").

                              W I T N E S S E T H :

            WHEREAS, the Company desires to employ the Executive as provided
herein; and

            WHEREAS, the Executive desires to be employed by the Company as
provided herein.

            NOW, THEREFORE, in consideration of the mutual covenants and
agreements set forth herein, the parties agree as follows:

            1. Employment. The Company, effective December 20, 1999, hereby
agrees to employ the Executive as Chief Executive Officer of the Company and the
Executive hereby accepts such employment, all upon and subject to the terms and
conditions hereinafter set forth.

            2. Term. The term of employment under this Agreement shall commence
as of December 20, 1999 (the "Effective Date") and shall continue in full force
and effect until December 31, 2001 (including any renewal periods hereof, the
"Employment Term"), subject to earlier termination as provided in Section 5
hereof. This Agreement may be renewed by the Company for a two-year period upon
the Company providing written notice of renewal to the Executive provided such
written notice is given on or before October 1, 2001.

            3. Duties.

            (a) The Executive will render his services to the Company as Chief
Executive Officer and shall perform such duties and services of such office or
position. In addition, the Executive will hold, without additional compensation
therefor, such other offices and directorships in the Company or any parent or
subsidiary of the Company to which, from time to time, he may be reasonably
appointed or elected.

            (b) Except as otherwise provided herein and except for illness,
permitted vacation periods and permitted leaves of absence consistent with the
past practice of the Company or as otherwise approved by the Board of Directors
of the Company, the Executive agrees that during the term of his employment
hereunder, he shall devote all of his full working time and attention, and give
his best effort, skill and abilities, exclusively to the business and interests
of the Company.

            4. Compensation; Benefits.

            (a) Salary. In consideration of the services to be rendered by the
Executive hereunder, including, without limitation, any services rendered by him
as an officer or director of

<PAGE>

the Company or any parent, subsidiary or affiliate of the Company, the Company
agrees to pay to the Executive, and the Executive agrees to accept as
compensation, an annual salary (the "Base Salary") of (a) $240,000 for the
period from the commencement of this Agreement to December 31, 2000, and (b)
$252,000 for the period from January 1, 2001 to December 31, 2001, payable in
equal monthly installments in accordance with the Company's normal payroll
policies. If this Agreement is renewed under Section 2 hereof, the Executive's
Base Salary for the period of renewal shall be no less than the Executive's Base
Salary as of the time of such renewal. The Company, by action of the Board of
Directors or the Compensation Committee of the Board of Directors of the
Company, may in its sole discretion, increase the Base Salary at any time. The
Executive's Base Salary shall be subject to all applicable withholding and other
taxes.

            (b) Bonus. In addition to the payment of the Base Salary, as
provided for hereunder, the Company shall pay the Executive a bonus based upon
the annual financial performance of the Company (the "Financial Performance
Bonus") as follows:

            (A) for the year ending December 31, 2000, in an amount equal to the
sum of:

                  (1) (i) $25,000 in cash and such number of shares of the
            Company's common stock, $.01 par value per share (the "Common
            Stock"), with a Market Value (as defined herein) equal to $25,000
            upon the Company achieving a break-even or positive earnings before
            income taxes ("EBIT") attributable to the Company's TAS product line
            for the year ending December 31, 2000 ("2000 TAS EBIT"); plus (ii)
            5% of the Company's 2000 TAS EBIT for up to the first $500,000 of
            the Company's 2000 TAS EBIT in cash and such number of shares of
            Common Stock with a Market Value equal to 5% of the Company's 2000
            TAS EBIT for up to the first $500,000 of the Company's 2000 TAS
            EBIT; plus (iii) 3.75% of the amount of the Company's 2000 TAS EBIT
            in excess of $500,000 but less than or equal to $1,000,000 in cash
            and such number of shares of Common Stock with a Market Value equal
            to 3.75% of the amount of the Company's 2000 TAS EBIT in excess of
            $500,000 but less than or equal to $1,000,000; plus (iv) 2.5% of the
            amount of the Company's 2000 TAS EBIT in excess of $1,000,000 in
            cash and such number of shares of Common Stock with a Market Value
            equal to 2.5% of the amount of the Company's 2000 TAS EBIT in excess
            of $1,000,000; provided, however, that such aggregate bonus of cash
            and stock calculated in this clause (iv) shall not exceed $362,500
            in value as of December 31, 2000; plus

                  (2) 2.5% of the Company's EBIT attributable to the Company's
            Classic product line for the year ending December 31, 2000 ("2000
            Classic EBIT") in excess of $3,000,000 in cash and such number of
            shares of Common Stock with a Market Value equal to 2.5% of the
            Company's 2000 Classic EBIT in excess of $3,000,000; provided,
            however, that such aggregate bonus of cash and stock calculated in
            this clause (2) shall not exceed $100,000 in value as of December
            31, 2000; and


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<PAGE>

            (B) for the year ending December 31, 2001 and for any year during a
      renewal of this Agreement, in an amount or pursuant to a calculation to be
      agreed upon by the Executive and the Company in writing no later than
      December 31 of the prior year, as the case may be; provided that the terms
      of such bonus package shall be no less favorable than the terms of the
      bonus package provided to the Executive for the year ending December 31,
      2000 as set forth above in Section 4(b)(A).

For the purposes hereof, "Market Value" shall mean, as of December 31, 2000 (or,
if such market referred to below is closed, as of the next preceding business
day upon which such market is open), the closing sale price of the shares of
Common Stock on such day on the New York Stock Exchange or the American Stock
Exchange or, if there shall have been no sales on such exchange or exchanges on
such day, the closing sales price of the Common Stock on such day on the NASDAQ
National Market System or, if the Common Stock is not included in the NASDAQ
National Market System, the closing sales price of the Common Stock on such day
on the NASDAQ SmallCap Market or, if the Common Stock shall not be so listed,
the average of the bid and asked prices at the end of the day in the
over-the-counter market as reported by NASDAQ or, if the Common Stock is not
included on NASDAQ, as reported by the National Quotation Bureau, Inc. or any
successor organization. For the purposes hereof, each of 2000 TAS EBIT, 2000
Classic EBIT and Financial Performance Bonus shall be determined by and set
forth in a certificate of the Company's Chief Financial Officer, and shall be
based upon the books and records of the Company and calculated in accordance
with generally accepted accounting principles consistently applied. Such
certificate shall be final and binding on the parties hereto. The Executive's
Financial Performance Bonus, if any, shall be paid no later than ten (10) days
after the date of the filing by the Company with the Securities and Exchange
Commission of its audited financial statements in its Form 10-K Annual Report.

            (c) Equity Interests.

                  (i) As of January 3, 2000, the Company shall issue to the
Executive 25,000 shares of Common Stock (the "Restricted Shares"). The Executive
hereby acknowledges and agrees that the value of the Restricted Shares will be
treated as ordinary compensation to him. Separately, the Executive hereby agrees
to consummate the purchase of at least an aggregate of 25,000 shares of Common
Stock (the "Open Market Shares") in the open market on or before six (6) months
from the Effective Date.

                  (ii) Upon the commencement of his employment hereunder, the
Company shall grant the Executive five-year options to purchase 250,000 shares
of Common Stock granted at a price per share equal to the fair market value of
such share as of the date of grant, which will vest as to 125,000 shares on the
date six (6) months from the Effective Date, and as to 125,000 shares on the
date twelve (12) months from the Effective Date, all in accordance with and
subject to the terms and conditions set forth in a stock option agreement by and
between the Company and the Executive to be entered into concurrently herewith.

                  (iii) As of February 16, 2000, the Company shall grant the
Executive five-year options to purchase an additional 125,000 shares of Common
Stock (together with the options relating to the 250,000 shares to be granted
pursuant to Section 4(c)(ii) above, the "Options"), granted at a price per share
equal to the fair market value of such share as of the date


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<PAGE>

of grant, which will all vest on the one year anniversary of the Effective Date,
all in accordance with and subject to the terms and conditions set forth in a
stock option agreement by and between the Company and the Executive to be
entered into at such time.

            (d) Benefits. During the Employment Term, the Executive shall be
entitled to the following benefits:

                  (i) vacations and sick leaves in accordance with the Company's
policies from time to time in effect for officers and executive employees of the
Company; and

                  (ii) participation, subject to qualification and participation
requirements, in medical, life or other insurance or hospitalization plans and
any pension, profit sharing or other employee benefit plans, presently in effect
or hereafter instituted by the Company and applicable to its officers and
executive employees.

            (e) Reimbursement of Expenses. The Executive shall be reimbursed for
reasonable and necessary expenses incurred by the Executive in performing his
employment hereunder, provided such expenses are adequately documented in
accordance with the Companies policies.

            5. Termination.

            (a) Disability. If the Executive, due to physical or mental injury,
illness, disability or incapacity, shall fail to render the services provided
for in this Agreement for a consecutive period of three (3) months, or an
aggregate of three (3) months in any six (6) month period, the Company may, at
its option, terminate the Executive's employment hereunder upon fourteen (14)
days' written notice to the Executive. If the employment of the Executive is
terminated pursuant to this Section 5(a), the Company shall have no further
obligations to the Executive hereunder after the date of termination other than
the payment to the Executive of (x) the Base Salary accrued and unpaid through
the date of such termination, (y) the pro rata portion of the bonus payment set
forth in Section 4(b) hereof, based upon the number of days the Executive worked
during the Company's fiscal year for which such bonus is computed, to the extent
the numerical requirements are actually met for the fiscal year in question,
which shall be payable at the same time such bonus would have been paid under
Section 4(b) hereof, and (z) any unreimbursed business expenses of the Executive
that are otherwise reimbursable hereunder. This provision shall not preclude the
Executive from claiming or obtaining such disability benefits to which he may be
entitled pursuant to any plan maintained by the Company for disability incurred
during the period of his employment by the Company.

            (b) Death. If the Executive shall die during the term of this
Agreement, this Agreement and the Executive's employment hereunder shall
terminate immediately upon the Executive's death. If the employment of the
Executive is terminated pursuant to this Section 5(b), the Company shall have no
further obligations to the Executive hereunder after the date of termination
other than the payment to the Executive of (x) the Base Salary accrued and
unpaid through the date of such termination and a pro rata portion of the Base
Salary payable in accordance with the Company's payroll policies for a period of
three (3) months following such death, (y) the pro rata portion of the bonus
payment set forth in Section 4(b) hereof, based upon


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<PAGE>

the number of days the Executive worked during the Company's fiscal year for
which such bonus is computed, to the extent the numerical requirements are
actually met for the fiscal year in question, which shall be payable at the same
time such bonus would have been paid under Section 4(b) hereof, and (z) any
unreimbursed business expenses of the Executive that are otherwise reimbursable
hereunder.

            (c) Cause. Notwithstanding anything to the contrary in this
Agreement, the Company, upon written notice to the Executive, may in good faith
terminate this Agreement and the employment of the Executive hereunder for
Cause, which, for purposes of this Agreement, shall be defined to mean (i) the
continued and repeated failure or refusal by the Executive to perform specific
directives of the Board of Directors of the Company which is not cured within a
reasonable period of time not to exceed sixty (60) days after receipt of written
notice from the Company, (ii) embezzlement or any offense involving misuse or
misappropriation of money or other property of the Company, (iii) conviction for
a felony, (iv) any act of dishonesty that is materially injurious to the
Company, or (v) material breach by the Executive of any of the terms of this
Agreement other than those contained in this Section 5 which, if curable, has
not been cured within five (5) business days after such written notice. If the
employment of the Executive is terminated pursuant to this Section 5(c), (i) the
Company shall have no further obligations to the Executive hereunder after the
date of termination other than the payment to the Executive of (x) the Base
Salary accrued and unpaid through the date of such termination and (y) any
unreimbursed business expenses of the Executive that are otherwise reimbursable
hereunder, and (ii) the Company shall not be obligated to make any bonus
payments to the Executive pursuant to Section 4(b) hereof for the year in which
such termination occurs or to provide any of the benefits set forth in Section
4(d) of this Agreement after the date of such termination, except as may be
required by applicable law.

            (d) Change of Control. In the event that at any time during the
Employment Term there is a "Change of Control" (as hereinafter defined), (i) the
Executive shall, in the exercise of his sole discretion and upon the provision
of written notice to the Company within three (3) months after the date of a
Change of Control, be entitled to terminate his employment hereunder as of the
date of provision of such written notice, and (ii) all of the then unvested
Options shall automatically vest and become immediately exercisable,
notwithstanding any provision to the contrary in this Agreement or the stock
option agreement. Except as set forth in Section 6(a), if the employment of the
Executive is terminated pursuant to this Section 5(d), (i) the Company shall
have no further obligations to the Executive hereunder after the date of
termination other than the payment to the Executive of (x) the Base Salary
accrued and unpaid through the date of such termination, (y) the pro rata
portion of the bonus payment set forth in Section 4(b) hereof, based upon the
number of days the Executive worked during the Company's fiscal year for which
such bonus is computed, to the extent the numerical requirements are actually
met for the fiscal year in question, which shall be payable at the same time
such bonus would have been paid under Section 4(b) hereof, and (z) any
unreimbursed business expenses of the Executive that are otherwise reimbursable
hereunder, and (ii) the Company shall not be obligated to provide any of the
benefits set forth in Section 4(d) of this Agreement after the date of such
termination, except as may be required by applicable law.

As used herein, a "Change of Control" shall be deemed to have occurred if (i)
any person (including any individual, firm, partnership or other entity)
together with all Affiliates and


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Associates (as defined under Rule 12b-2 of the General Rules and Regulations
promulgated under the Securities Exchange Act of 1934, as amended (the "Exchange
Act")) of such person, but excluding (A) a trustee or other fiduciary holding
securities under an employee benefit plan of the Company or any subsidiary of
the Company, (B) a corporation owned, directly or indirectly, by the
stockholders of the Company in substantially the same proportions as their
ownership of the Company, (C) the Company or any subsidiary of the Company or
(D) Software Investments Limited or Care Corporation Limited or any of their
affiliates, is or becomes the Beneficial Owner (as defined in Rule 13d-3
promulgated under the Exchange Act), directly or indirectly, of securities of
the Company representing 50% of more of the combined voting power of the
Company's then outstanding securities, such person being hereinafter referred to
as an Acquiring Person; (ii) individuals who, on the date hereof, are Continuing
Directors (as defined below) shall cease for any reason to constitute a majority
of the Board of Directors of the Company (the "Board"); (iii) the stockholders
of the Company approve a merger or consolidation of the Company with any other
corporation, other than a merger or consolidation that would result in the
voting securities of the Company outstanding immediately prior thereto
continuing to represent (either by remaining outstanding or by being converted
into voting securities of the surviving entity) at least 80% of the combined
voting power of the voting securities of the Company or such surviving entity
outstanding immediately after such merger or consolidation, or (iv) the
stockholders of the Company approve a plan of complete liquidation of the
Company or an agreement for the sale or disposition by the Company of all or
substantially all of the Company's assets. For purposes of this paragraph, the
term "Continuing Director" shall mean (1) any member of the Board, while such
person is a member of the Board, who is a member of the Board on the date of
this Agreement, or (2) any person who subsequently becomes a member of the
Board, while such person is a member of the Board (excluding an Acquiring Person
or a representative of any Acquiring Person), if such person's nomination for
election or election to the Board is recommended or approved by a majority of
the Continuing Directors.

            6. Severance Compensation.

            (a) In the event the Executive's employment hereunder is terminated
by the Executive during the Employment Term in the event of a Change of Control
pursuant to Section 5(d), the following shall occur:

                  (i) if such Change of Control occurs on or prior to June 30,
      2000, the Company shall provide to the Executive as severance compensation
      an amount equal to six (6) months Base Salary ($120,000), payable in equal
      monthly installments in accordance with the Company's normal payroll
      policies;

                  (ii) if such Change of Control occurs after June 30, 2000 but
      on or prior to December 31, 2000, the Company shall provide to the
      Executive as severance compensation an amount equal to twelve (12) months
      Base Salary ($240,000), payable in equal monthly installments in
      accordance with the Company's normal payroll policies; and

                  (iii) if such Change of Control occurs after December 31,
      2000, the Company shall provide to the Executive as severance compensation
      an amount equal to


                                     - 6 -
<PAGE>

      twelve (12) months Base Salary ($252,000), payable in equal monthly
      installments in accordance with the Company's normal payroll policies.

            (b) In the event the Executive's employment hereunder is terminated
by reason of the Company's decision not to renew this Agreement upon the
conclusion of the Employment Term ending on December 31, 2001, the Company shall
provide to the Executive as severance compensation an amount equal to three (3)
months Base Salary ($63,000), payable in equal monthly installments in
accordance with the Company's normal payroll policies.

            (c) In the event the Executive receives severance compensation under
this Section 6, the Executive shall not be entitled to receive any other
compensation or benefits under this Agreement after the termination of the
Executive's employment hereunder and, as a condition to receiving such severance
compensation, the Executive hereby agrees that he shall have no other claim
against the Company by reason of this Agreement.

            7. Disclosure and Assignment of Discoveries.

            (a) The Executive shall (without any additional compensation)
promptly disclose in writing to the Board of Directors of the Company all ideas,
processes, devices and business concepts (hereinafter referred to collectively
as "Discoveries"), that are patentable or copyrightable, which he, while
employed by the Company, conceives, develops, acquires or reduces to practice,
whether alone or with others and whether during or after usual working hours,
and which are related to the Company's business or interests, or arise out of or
in connection with the duties performed by him hereunder; and the Executive
hereby transfers and assigns to the Company all right, title and interest in and
to such Discoveries. Upon the request of the Company, the Executive shall
(without any additional compensation), from time to time during or after the
expiration or termination of his employment, execute such further instruments
and do all such other acts and things as may be deemed necessary or desirable by
the Company to protect and/or enforce it rights in respect of such Discoveries.

            (b) For purposes of this Section 7 and the following Section 8, the
term "Company" shall mean and include any and all subsidiaries, parents and
affiliated corporations or entities of the Company in existence from time to
time.

            8. Non-Disclosure of Confidential Information and Non-Competition.

            (a) The Executive represents that he has been informed that it is
the policy of the Company to maintain as secret and confidential all information
relating to (i) the computer software, products, processes and/or business
concepts used by the Company and (ii) the customers and employees of the Company
("Confidential Information"), and the Executive further acknowledges that such
Confidential Information is of great value to the Company and is the property of
the Company. The parties recognize that the services to be performed by the
Executive are special and unique, and that by reason of this employment by the
Company, he will acquire Confidential Information as aforesaid. The parties
confirm that to protect the Company's goodwill, it is reasonably necessary that
the Executive agree, and accordingly the Executive does hereby agree, that he
will not directly or indirectly (except where authorized by


                                     - 7 -
<PAGE>

the Board of Directors of the Company for the benefit of the Company or as
required by law, or a court of competent jurisdiction or subpoena):

            A. at any time during his employment hereunder or after he ceases to
      be employed by the Company, divulge to any persons, firms or corporations
      other than the Company (hereinafter referred to collectively as "Third
      Parties"), or use, or cause to authorize any Third Parties to use, any
      such Confidential Information; or

            B. at any time during his employment hereunder and for a period of
      one (1) year after he ceases to be employed by the Company (the
      "Restricted Period"), solicit or cause or authorize, directly or
      indirectly, to be solicited for employment, for or on behalf of himself or
      Third Parties, any persons who were at any time within one (1) year prior
      to the cessation of his employment hereunder, employees of the Company; or

            C. at any time during his employment hereunder and during the
      Restricted Period, employ or cause or authorize, directly or indirectly,
      to be employed, for or on behalf of himself or Third Parties, any such
      employees of the Company; or

            D. at any time during his employment hereunder, the Executive will
      not accept employment with or participate, directly or indirectly, as
      owner, stockholder, director, officer, manager, consultant or agent or
      otherwise use his special, unique or extraordinary skills or knowledge
      with respect to the business of the Company or of any affiliate of the
      Company in or with any business, firm, corporation, partnership,
      association, venture or other entity or person which is engaged in the
      business of designing, developing or providing software services to the
      property and casualty insurance industry, except that this paragraph D
      shall not be construed to prohibit the Executive form owning up to 5% of
      the securities of a corporation which are publicly traded on a national
      securities exchange or in the over-the-counter market or from being
      employed by an insurance or other company which may design and market
      software provided the designing and marketing of software is not a
      principal part of the business of such other company or concern; or

            E. at any time during his employment hereunder, solicit or cause or
      authorize, directly or indirectly, to be solicited, for or on behalf of
      himself or Third Parties, any business with respect to designing,
      developing or providing software services to the property and casualty
      insurance industry from Third Parties who were, at any time within one (1)
      year prior to the cessation of his employment hereunder, customers of the
      Company for such business; or

            F. at any time during his employment hereunder, accept or cause or
      authorize, directly or indirectly, to be accepted, for or on behalf of
      himself or Third Parties, any such business from any customers of the
      Company.

            (b) The Executive agrees that he will not, at any time, remove from
the Company's premises any confidential Company drawings, notebooks, data and
other documents and materials relating to the business and procedures heretofore
or hereafter acquired, developed


                                     - 8 -
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and/or used by the Company without prior written consent of the Board of
Directors of the Company, except as reasonably necessary to the discharge of his
duties hereunder.

            (c) The Executive agrees that, upon the expiration of this
employment by the Company for any reason, he shall forthwith deliver up to the
Company any and all order-books, customer lists, logs, drawings, notebooks and
other documents and materials, and all copies thereof, in his possession or
under his control relating to any Confidential Information or any Discoveries or
which is otherwise the property of the Company.

            (d) The Executive agrees that any breach or threatened breach by him
of any provision of this Section 8 shall entitle the Company, in addition to any
other legal remedies available to it, to apply to any court of competent
jurisdiction to enjoin such breach or threatened breach. The parties understand
and intend that each restriction agreed to by the Executive hereinabove shall be
construed as separable and divisible from every other restriction, and that the
unenforceability, in whole or in part, of any other restriction, will not effect
the enforceability of the remaining restrictions and that one or more or all of
such restrictions may be enforced in whole or in part as the circumstances
warrant. No waiver of any one breach of the restrictions contained in this
Section 8 shall be deemed a waiver of any future breach.

            (e) The Executive hereby acknowledges that he is fully cognizant of
the restrictions put upon him by this Section 8, and that the provisions of this
Section 8 shall survive the termination of this Agreement and his employment
with the Company.

            9. Life Insurance. The Executive agrees that the Company may apply
for and purchase one or more life insurance policies on the life of the
Executive in such amount or amounts as the Company deems appropriate. The
Company shall be the sole beneficiary of such insurance policy or policies and
the Executive hereby acknowledges that the Company has an insurable interest in
his life. The Executive agrees to cooperate with the Company in obtaining any
insurance on the life or on the disability of the Executive which the Company
may desire obtain for its own benefit and shall undergo such physical and other
examinations, and shall execute any consents or applications, which the Company
may reasonably request in connection with the issuance of one or more of such
insurance policies. The Company hereby agrees to cancel such life insurance
policy with respect to the Executive immediately upon the termination of his
employment hereunder.

            10. Investment Representations; Legends; Stop Orders.

            (a) With respect to any shares of Common Stock to be acquired by the
Executive and contemplated by this Agreement (collectively, except for the Open
Market Shares, the "Company Issued Shares"), the Executive represents that he is
acquiring such shares for his own account without a view to any distribution
thereof in violation of the Securities Act of 1933, as amended (the "Securities
Act"), subject, nevertheless, to any requirements of law that the disposition of
his property shall at all times be within his control. The Executive represents
that he (i) as a result of his investigations of the Company in connection with
this Agreement and the Executive's employment with the Company, has intimate
knowledge of the business and affairs of the Company; (ii) other than as
provided for herein, has no contract, undertaking, agreement or arrangement with
any person to sell, transfer or pledge to such person or anyone else such


                                     - 9 -
<PAGE>

shares or any part thereof; (iii) has received any and all information regarding
the Company and its business and proposed business which he has requested in
connection with the investment contemplated hereby; (iv) has sufficient
knowledge and experience in business matters to evaluate the merits and risks of
an investment in the Company; (v) has adequate means of providing for his
current needs and possible contingencies, and has no need for liquidity of his
investment in the Company; and (vi) would be able to bear the economic risk of a
complete loss of his proposed investment hereunder. The Executive acknowledges
that the Company is issuing the Company Issued Shares in reliance upon the
exemption from registration provided in Section 4(2) of the Securities Act and
is relying upon these representations, and agrees that such Company Issued
Shares may only be transferred if registered under the Securities Act or
pursuant to an exemption from such registration requirements. The Executive
understands that Rule 144 promulgated under the Securities Act is not presently
available with respect to the Company Issued Shares, and that absent
registration of such shares under the Securities Act, compliance with an
applicable exemption under the Securities Act is required for any public sale or
other disposition of the Company Issued Shares.

The Executive agrees that prior to any proposed transfer of the Company Issued
Shares and as a condition thereto, if such transfer is not made pursuant to an
effective registration statement under the Securities Act or an opinion of
counsel to the Company (or other counsel acceptable to the Company and its
counsel) that the Company Issued Shares may be sold publicly without
registration under the Securities Act, the Executive will, if requested by the
Company, deliver to the Company (i) an investment covenant signed by the
proposed transferee, (ii) an agreement by the transferee to indemnify the
Company to the same extent as set forth in the immediately succeeding sentence
of this Section 10(a), and (iii) such other documents and instruments as the
Company may reasonably request. Except for transfers of the Company Issued
Shares required pursuant to the terms of this Agreement, the Executive agrees to
indemnify the Company and its officers, directors, stockholders and agents
against any and all losses, claims, damages, expenses or liabilities to which
the Company may become subject under any federal or state securities law, at
common law, or otherwise, insofar as such losses, claims, damages, expenses or
liabilities arise out of or are based upon (1) any transfer of the Company
Issued Shares owned by the Executive in violation of the Securities Act, the
Securities Exchange Act of 1934, as amended (the "Exchange Act"), or the rules
and regulations promulgated under either of such Acts, or (2) any untrue
statement of a material fact or omission to state any material fact in
connection with the Executive's representations pursuant to this Section 10(a)
or with respect to the facts and representations supplied to counsel to the
Company upon which its opinion as to a proposed transfer by the Executive was
based.

            (b) The certificates of Common Stock representing the Company Issued
Shares shall bear the following restrictive legend:

            THE SHARES EVIDENCED BY THIS CERTIFICATE MAY NOT BE SOLD,
            TRANSFERRED, PLEDGED, HYPOTHECATED OR OTHERWISE DISPOSED OF UNLESS
            THEY HAVE FIRST BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS
            AMENDED, OR UNLESS, IN THE OPINION OF COUNSEL FOR THE COMPANY, SUCH
            REGISTRATION IS NOT REQUIRED.


                                     - 10 -
<PAGE>

            (c) The Company may place a stop order with its transfer agent and
registrar with respect to the Company Issued Shares or any certificates into
which such shares are exchanged.

            11. Notices. All notices, requests, demands or other communications
hereunder shall be deemed to have been given if delivered in writing personally
or by certified mail to each party at the address set forth below, or at such
other address as each party may designate in writing to the other:

            If to the Company:

            Cover-All Technologies Inc.
            18-01 Pollitt Drive
            Fair Lawn, New Jersey 07410
            Attention:  Chairman

            With a copy to:

            Piper Marbury Rudnick & Wolfe LLP
            1251 Avenue of the Americas
            New York,  New York  10020
            Attention:  Leonard Gubar, Esq.

            If to the Executive:

            John Roblin
            71 Spring Hill Road
            Annandale, New Jersey 08801

            12. Entire Agreement. This Agreement contains the entire
understanding of the parties with respect to the subject matter hereof,
supersedes any prior agreement between the parties, and may not be changed or
terminated orally. No change, termination or attempted waiver of any of the
provisions hereof shall be binding unless in writing and signed by the party
against whom the same is sought to be enforced. No provision hereof shall be
construed against a party because that provision or any other provision was
drafted by or at the direction of such party.

            13. Successors and Assigns. This Agreement shall be binding upon and
shall inure to the benefit of the respective heirs, legal representatives,
successors and assigns of the parties hereto.

            14. Severability. In the event that any one or more of the
provisions of this Agreement shall be declared to be illegal or unenforceable
under any law, rule or regulation of any government having jurisdiction over the
parties hereto, such illegality or unenforceability shall not affect the
validity and enforceability of the other provisions of this Agreement.


                                     - 11 -
<PAGE>

            15. Counterparts. This Agreement may be executed in one or more
counterparts, each of which shall be deemed an original, but all of which
together shall constitute one and the same instrument.

            16. Governing Law. All matters concerning the validity and
interpretation of the performance under this Agreement shall be governed by the
laws of the State of New Jersey, whose courts or the federal courts located in
the District of New Jersey shall have exclusive jurisdiction over the parties to
which they consent.


                                     - 12 -
<PAGE>

            IN WITNESS WHEREOF, the parties hereto have executed this Agreement
as of the date first above written.

                                    COVER-ALL TECHNOLOGIES INC.


                                    By: /s/ Mark Johnston
                                       ---------------------------------
                                    Name:
                                    Title:


                                    /s/ John Roblin
                                    ------------------------------------
                                    JOHN ROBLIN


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