**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, 2007 as filed with                the                Securities and Exchange Commission on the date hereof (the                “Report”); |
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| 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; |
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| 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; |
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| 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: |
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| 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; |
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| 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; |
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| 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;                and |
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| d)   | disclosed                in the Report any changes in the Company’s internal control over financial                reporting that occurred during the Company’s third quarter of 2007 that                has materially affected, or is reasonably likely to materially affect,                the                Company’s internal control over financial reporting;                and |
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| 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: |
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| 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;                and |
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| b)   | 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. |
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| November                8,  2007 | /s/              Francis M. Colalucci            |   |
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|                                       | Francis                M. ColalucciChief                Financial Officer |   |