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Exhibit 31.2

CERTIFICATION PURSUANT TO SECTION 302 OF THE
SARBANES-OXLEY ACT OF 2002

I, Mary Jane Robertson, Senior Executive Vice
President, Chief Financial Officer and Treasurer of Crum &
Forster Holdings Corp., certify that:



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| | 1. | I have reviewed this quarterly report on
    Form 10-Q of the registrant;                                                                                                                                                                                                                                                                          
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| | 2. | Based on my knowledge, this quarterly 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
    quarterly report;
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| | 3. | Based on my knowledge, the financial statements
    and other financial information included in this quarterly
    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
    quarterly 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 we
    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 registrant, including its consolidated
    subsidiaries, is made known to us by others within those
    entities, particularly during the period in which this quarterly
    report is being prepared;
|
| | (b) | evaluated the effectiveness of the
    registrants disclosure controls and procedures and
    presented in this quarterly report our conclusions about the
    effectiveness of the disclosure controls and procedures as of
    the end of the period covered by this quarterly report based on
    such evaluation; and                                                                                      
|
| | (c) | disclosed in this quarterly report any change in
    internal control over financial reporting that occurred during
    the registrants most recent fiscal quarter that have
    materially affected, or are likely to materially affect, the
    registrants internal control over financial reporting; and                                                                                                  



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| | 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
    registrants board of directors (or persons performing the
    equivalent functions):



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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 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:  July 30, 2004

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| | By: | /s/ Mary Jane Robertson

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| | -------------------------------------
| |                                      
| | Mary Jane Robertson                  
| | Senior Executive Vice President,     
| | Chief Financial Officer and Treasurer