Exhibit 31.2
 CERTIFICATION PURSUANT TO
SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002
  1.
    
    I have reviewed the Quarterly Report of Tower Group, Inc. (the Company) on Form 10-Q for
the period ending September 30, 2008 as filed with the Securities and Exchange Commission on
the date hereof (the Report);2.
    
    Based on my knowledge, the 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 the Report;3.
    
    Based on my knowledge, the financial statements, and other financial information included in
the Report, fairly present in all material respects the financial condition, results of
operations and cash flows of the Company as of, and for, the periods presented in the Report;4.
    
    The Company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))
and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and
15d-15(f)) for the Company 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 Company, including its consolidated subsidiaries, is made known to us by
others within the Company, particularly during the period in which the Report is being
prepared;b)
    
    designed such internal control over financial reporting, or caused such internal
control over financial reporting to be designed under our supervision, to provide
reasonable assurance regarding the reliability of financial reporting and the preparation
of financial statements for external purposes in accordance with generally accepted
accounting principles;c)
    
    evaluated the effectiveness of the Companys disclosure controls and procedures and
presented in the Report our conclusions about the effectiveness of the disclosure controls
and procedures, as of the end of the period covered by the Report based on such evaluation;
andd)
    
    disclosed in the Report any changes in the Companys internal control over financial
reporting that occurred during the Companys third quarter of 2008 that has materially
affected, or is reasonably likely to materially affect, the Companys internal control over
financial reporting; and
 5.
    
    The Companys other certifying officer and I have disclosed, based on our most recent
evaluation of internal control over financial reporting, to the Companys auditors and to the
audit committee of the Company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 Companys ability to record, process, summarize and report financial information; andb)
    
    any fraud, whether or not material, that involves management or other employees who
have a significant role in the Companys internal control over financial reporting.
 November 10, 2008
    /s/ Francis M. ColalucciFrancis M. ColalucciChief Financial Officer 48