**Exhibit 31.2**

**CERTIFICATIONPURSUANT TOSECTION 302 OF THE SARBANES-OXLEY ACT OF 2002**

I, Francis M.Colalucci, certify that:

1.                 I have reviewedthe Annual Report of Tower Group, Inc. (the “Company”) on Form 10-Kfor the period ending December 31, 2006 as filed with the Securities andExchange Commission on the date hereof (the “Report”);

2.                 Based on myknowledge, the Report does not contain any untrue statement of a material factor omit to state a material fact necessary to make the statements made, in lightof the circumstances under which such statements were made, not misleading withrespect to the period covered by the Report;

3.                 Based on myknowledge, the financial statements, and other financial information includedin 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 periodspresented in the Report;

4.                 The Company’sother certifying officer and I are responsible for establishing and maintainingdisclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and15d-15(e))  and internal controlover financial reporting (as defined in Exchange Act Rules 13-a-15(f) and15d-15(f)) for the Company and have:

(a)          designed such disclosurecontrols and procedures, or caused such disclosure controls and procedures tobe designed under our supervision, to ensure that material information relatingto the Company, including its consolidated subsidiaries, is made known to us byothers within those entities, particularly during the period in which theReport is being prepared;

(b)         designed such internalcontrol over financial reporting, or caused such internal control overfinancial reporting to be designed under our supervision, to provide reasonableassurance regarding the reliability of financial reporting and preparation offinancial statements for external purposes in accordance with generallyaccepted accounting principles;

(c)          evaluated theeffectiveness of the Company’s disclosure controls and procedures and presentedin the Report our conclusions about the effectiveness of the disclosurecontrols and procedures, as of the end of the period covered by the Reportbased on such evaluation; and

(d)         disclosed in the Reportany change in the Company’s internal control over financial reporting thatoccurred during the Company’s fourth quarter of 2006 that has materiallyaffected, or is reasonably likely to materially affect, the Company’s internalcontrol over financial reporting; and

5.                 The Company’sother certifying officer and I have disclosed, based on our most recentevaluation of internal control over financial reporting, to the Company’sauditors and to the audit committee of the Company’s Board of Directors:

a)               all significantdeficiencies and material weaknesses in the design or operation of internalcontrol over financial reporting which are reasonably likely to adverselyaffect the Company’s ability to record, process, summarize and report financialinformation; and

b)              anyfraud, whether or not material, that involves management or other employees whohave a significant role in the Company’s internal control over financialreporting.

|                     |   |   |
|--------------------------|--------|--------|
| Francis M.  Colalucci    |   |   |
| Chief Financial  Officer |   |   |
| March 8,  2007      |   |   |

 

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