Document:

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                                                                Exhbit 10(j)(ii)

                        COMMISSION AND SERVICES AGREEMENT

         This COMMISSION AND SERVICES AGREEMENT ("AGREEMENT") is made as of the
22nd day of January, 2007 by and between MALOY RISK SERVICES, INC., a New Jersey
corporation having its principal place of business at 100 Village Blvd., Suite
200, Princeton, NJ 08540 ("MALOY"), and COVER-ALL TECHNOLOGIES INC., a Delaware
corporation having its principal place of business at 55 Lane Road, Fairfield,
New Jersey 07004 ("COVER-ALL").

                                    RECITALS:

         WHEREAS, pursuant to that certain Asset Purchase Agreement, dated as of
the date hereof, between Maloy and Cover-All, among other things, Cover-All
purchased from Maloy all of Maloy's right, title and interest in and to certain
software that Maloy designed, developed and implemented in its office to address
certain front-office needs for brokers and agents in the insurance industry (the
"SOFTWARE");

         WHEREAS, Cover-All desires (a) to develop further the Software and
integrate the Software into the base solution set of Cover-All's My Insurance
Center (MIC) software suite, which consists of the components and functionality
identified on SCHEDULE A-1 hereto (the "BASE MIC SOFTWARE"), which Base MIC
Software may be marketed and licensed by itself or as combined with one or more
additional components and functionality, including such components and
functionality identified on SCHEDULE A-2 hereto (the "PREMIUM MIC SUITE"), and
(b) to market and license the Base MIC Software and the Premium MIC Suite (as
the Base MIC Software and the Premium MIC Suite may be marketed or licensed from
time to time, the "NEW MIC SOFTWARE") to third parties ("LICENSEES"); and

         WHEREAS, in connection with the development of the Base MIC Software by
Cover-All and the marketing and licensing of the New MIC Software by Cover-All
to any such Licensees and potential Licensees, Cover-All desires to retain
Maloy, and Maloy desires to be retained, to provide certain sales, support and
other services to Cover-All and to any Licensees and potential Licensees, all
under the terms and conditions as hereinafter set forth;

         NOW, THEREFORE, in consideration of the premises, the mutual promises,
covenants and representations of the parties and for other good and valuable
consideration, the receipt of which is hereby acknowledged, the parties hereto,
intending to be bound, hereby agree as follows:

        1.  PROVISION OF SERVICES. Upon the terms and subject to the conditions
of this Agreement, for the period from the date hereof until January 22, 2010
(the "TERM"), Maloy shall provide to Cover-All (a) sales and support services
with respect to the New MIC Software, and (b) enhancements and other services
with respect to the Software and New MIC Software as Cover-All may reasonably
request from time to time in the ordinary course (collectively, the "SERVICES").
The Term may be renewed for an additional three year period upon the written
consent of each of the parties hereto.

        2.  PROVISION OF CERTAIN EMPLOYEES. During the Term, Maloy shall make
available such personnel as will be required to provide the Services; PROVIDED,
HOWEVER, that Maloy shall provide to Cover-All the services of at least Richard
A. Maloy, Jr. (the "KEY EMPLOYEE"), who shall sign a customary confidentiality
agreement with Cover-All, and Maloy agrees to use its reasonable best efforts to
cause the Key Employee to sign such an agreement. The Key Employee shall be
based out of Maloy's secondary place of business in New York, New York;
PROVIDED, HOWEVER, that from time to time Cover-All may require, upon reasonable
notice, such Key Employee to perform certain of the Services on Cover-

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All's premises or at such other location as may be reasonably related to the
performance of the Services, including the marketing or licensing of the New MIC
Software.

        3.  PAYMENTS. (a) ROYALTIES, FEES AND COMMISSIONS. In consideration of
Maloy's Services under this Agreement, Cover-All shall pay to Maloy, as
applicable: (i) the Base Sales Royalty (as defined below); (ii) the Maloy
Finder's Fee (as defined below); (iii) the UpSales Royalty (as defined below);
and (iv) the Sales Support Commission (as defined below).

            (b) DEFINITIONS. For purposes of this Agreement, the following
definitions shall apply:

                (i)   The "BASE SALES ROYALTY" shall be payable in respect of
any license sale by Cover-All of the Base MIC Software on or before January 22,
2010 and shall be equal to ten percent (10%) of the Net Base License Fee (as
defined below). The "NET BASE LICENSE FEE" shall mean the excess, if any, of (a)
the license fees actually received by Cover-All from a Licensee with respect to
the license of the Base MIC Software LESS (b) any license fees attributable to
third party software (including, without limitation, license fees payable to
Oracle) contained in or otherwise used in connection with the Base MIC Software.
For the avoidance of doubt, in no event shall Maloy be entitled to any Base
Sales Royalty for license sales by Cover-All of the Base MIC Software occurring
after January 22, 2010, even if the Term is renewed by the parties under
Section 1 hereof.

                (ii)  The "MALOY FINDER'S FEE" shall be payable in respect of
any license sale of New MIC Software to any customer introduced to Cover-All by
Maloy during the Term and shall be equal to seven percent (7%) of the Net Total
License Fee (as defined below). The "NET TOTAL LICENSE FEE" shall mean the
excess, if any, of (a) the license fees actually received by Cover-all for any
license sale by Cover-All of the New MIC Software LESS (b) any license fees
attributable to third party software (including, without limitation, license
fees payable to Oracle) contained in or otherwise used in connection with the
New MIC Software.

                (iii) The "UPSALES ROYALTY" shall be payable in respect of any
license sale of the Base MIC Software to any licensees of the MIC software
existing as of the date of this Agreement and which constitutes an upgrade to
such MIC software and shall be equal to fifteen percent (15%) of the Upgrade
Amount (as defined below). The "UPGRADE AMOUNT" shall mean the excess, if any,
of (a) the licenses fees actually received by Cover-All with respect to the
licensing of the Base MIC Software LESS (b) the license fees of the MIC software
immediately prior to such upgrade (excluding any fees attributable to the
Premium MIC Suite and any license fees attributable to third party software,
including, without limitation, license fees payable to Oracle, contained in or
otherwise used in connection with the New MIC Software) with respect to such
licensee.

                (iv)  The "SALES SUPPORT COMMISSION" shall be payable in respect
of any license sale by Cover-All of the Base MIC Software to any customer with
respect to whom Maloy shall have provided sales assistance to Cover-All and
shall be equal to three percent (3%) of the Net Base License Fee.

            (c) TIMING OF PAYMENTS. Each of the Base Sales Royalty, the Maloy
Finder's Fee, the UpSales Royalty and the Sales Support Commission, as
applicable, shall be due and payable by Cover-All thirty (30) days after the
receipt by Cover-All of the funds from such Licensee attributable to such
payment obligation of Cover-All.

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        4.  CONFIDENTIAL INFORMATION AND WORKS FOR HIRE.

            (a) CONFIDENTIALITY. Maloy acknowledges and agrees that in the
course of the performance of Services pursuant to this Agreement, Maloy may be
given access to, or come into possession of, confidential information of
Cover-All, which information contains trade secrets, proprietary data or other
confidential information. Maloy further agrees that Cover-All is entitled to
exclusive protection against use by Maloy of any and all information relative to
the activities of Cover-All, including, but not limited to, identity of
customers, contracts, technical and production know-how, developments, formulae,
devices, inventions, processes, administrative procedures or financial
information. Maloy acknowledges and agrees that it will not use, duplicate or
divulge to others any such trade secrets, proprietary data or confidential
information of Cover-All except in connection with the performance of services
under this Agreement, so long as the secret or confidential nature of such trade
secrets, proprietary data or confidential information of Cover-All is preserved
by Cover-All; it being understood that it shall not be deemed a breach of this
Agreement if by means other than Maloy's deliberate or inadvertent disclosure,
trade secrets, proprietary data or confidential information of Cover-All become
well known or easily accessible to the public or competitors of Cover-All or if
Maloy is compelled by judicial or administrative proceedings to disclose trade
secrets, proprietary data or confidential information of Cover-All and Maloy has
diligently tried to avoid each disclosure and has afforded Cover-All the
opportunity to obtain assurance that compelled disclosure will be kept
confidential. The obligations of this Section 4(a) shall survive the termination
of this Agreement.

            (b) WORKS FOR HIRE. Maloy acknowledges and agrees that as part of
the Services contemplated hereby, Maloy is expected to make new contributions of
value to Cover-All and agrees to promptly disclose to Cover-All any and all
ideas, discoveries, works of authorship, writings, computer software programs,
know-how, processes, formulas, improvements or revisions (collectively,
"WORKS"), whether copyrightable or not copyrightable, patentable or
unpatentable, which Maloy may make, devise, conceive, create, design, invent,
develop or discover, either solely or jointly with another or others, during the
Term, whether at the request or upon the suggestion of Cover-All or otherwise,
during or outside of normal working hours, which relate to, or are capable of
use in connection with the business of Cover-All, or any services, programs or
products offered, used, sold or being developed by Cover-All at the time of such
Works. Any and all of the foregoing shall belong exclusively to Cover-All and be
deemed to be "WORKS FOR HIRE," and Cover-All shall be deemed the author or
creator thereof.

            (c) ASSIGNMENT OF WORKS. Maloy shall, and hereby does, assign to
Cover-All, all Works disclosed or required to be disclosed in accordance with
this Section 4 and assigns the right to obtain patents or copyright
registrations on any and all such Works in any or all countries in its name or
otherwise. Upon the request of Cover-All, whether or not made during the Term,
Maloy shall, without further compensation, assist Cover-All in any way
necessary, including but not limited to executing documents, to accomplish the
following, in any or all countries, with respect to any and all Works disclosed
or required to be disclosed in accordance with this Section 4: (i) to perfect in
Cover-All all right, title and interest in and to the Work; (ii) to file for
and/or obtain a patent or patents or a copyright registration or copyright
registrations on the Work; and (iii) to protect and enforce Cover-All's rights
in the Work.

            (d) ASSIGNMENT OF OTHER RIGHTS. In addition to the foregoing
assignment of Works to Cover-All, Maloy hereby irrevocably transfers and assigns
to Cover-All: (i) all worldwide patents, patent applications, copyrights, mask
works, trade secrets and other intellectual property rights in any Invention;
and (ii) any and all Moral Rights (as defined below) that Maloy may have in or
with respect to any Invention. Maloy also hereby forever and irrevocably waives
and agrees never to assert any and all

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Moral Rights that Maloy may have in or with respect to any Invention, even after
termination of its work on behalf of Cover-All. "MORAL RIGHTS" mean any rights
to claim authorship of an Invention, to object to or prevent the modification of
any Invention, or to withdraw from circulation or control the publication or
distribution of any Invention, and any similar right, existing under judicial or
statutory law of any country in the world, or under any treaty, regardless of
whether or not such right is denominated or generally referred to as a "moral
right."

        5.  INDEPENDENT CONTRACTOR STATUS. (a) Maloy is and will remain at all
times an independent contractor of Cover-All in the performance of all Services
hereunder. In all matters relating to this Agreement, each party will be solely
responsible for the acts of its employees and agents, and employees or agents of
one party shall not be considered employees or agents of the other party. Except
as otherwise provided herein, no party will have any right, power or authority
to create any obligation, express or implied, on behalf of any other party nor
shall either party act or represent or hold itself out as having authority to
act as an agent or partner of the other party, or in any way bind or commit the
other party to any obligations. Nothing contained in this Agreement or any
document executed in connection with this Agreement is intended to create or
constitute an employer-employee relationship or a joint venture, partnership,
agency, trust or other association of any kind between the parties or persons
referred to herein, and each party shall be responsible only for its respective
obligations as set forth in this Agreement. Maloy acknowledges that Maloy
personnel providing Services under this Agreement will not be entitled to any
pension, retirement or other benefit plans or programs that Cover-All now or
hereafter provides to its own employees. The consideration set forth in Section
3 hereof shall be the sole consideration due Maloy for the Services rendered
hereunder. It is understood that Cover-All will not withhold any amounts for
payment of taxes from the compensation of Maloy hereunder. Any and all sums
subject to deductions, if any, required to be withheld and/or paid under any
applicable state, federal or local laws in respect of the Key Employee or any
other Maloy personnel providing Services hereunder shall be Maloy's sole
responsibility, and Maloy shall indemnify and hold Cover-All harmless from any
and all damages, claims and expenses arising out of or resulting from any claims
asserted by any taxing authority as a result of or in connection with said
payments.

            (b) In the event that any state or federal court, or any local,
state or federal government agency, division or other related government entity,
shall determine that the Key Employee or any other Maloy personnel providing
Services hereunder is considered an employee or common law employee of
Cover-All, or if for any reason the Key Employee or any other Maloy personnel
providing Services hereunder were to become eligible to participate in any
Cover-All-sponsored benefit plans or programs, each such Key Employee and other
such Maloy personnel waives any right to participate, either retrospectively or
prospectively, in any such Cover-All-sponsored benefit plan or program. This
waiver of any right to participate in Cover-All-sponsored employee benefit plans
or programs represents a material component of the terms and compensation agreed
to by these parties and is not in any way conditioned on any representation or
assumption concerning the status of the Key Employee or any other Maloy
personnel providing Services hereunder with respect to Cover-All as employee,
common law employee, independent contractor or temporary employee.

        6.  RESTRICTIVE COVENANTS. During the Term and for a period of two years
thereafter, neither Maloy nor the Key Employee shall develop or participate in
the development or marketing to the insurance industry of any software product
being developed for commercial distribution which is competitive with the New
MIC Software.

        7.  NOTICES. All notices, requests and demands to or upon the parties to
this Agreement shall be in writing and shall be deemed to have been given or
made when delivered by hand, when delivered to

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<PAGE>

a recognized overnight delivery service or when deposited in the mail, postage
prepaid by registered or certified mail, return receipt requested, or, in the
case of notice by facsimile transmission, when properly transmitted, addressed
as follows or to such other address as may be hereafter designated in writing by
one party to the other:

         If to Purchaser:        Cover-All Technologies Inc.
                                 55 Lane Road
                                 Fairfield, New Jersey  07004
                                 Attention: President

         If to Seller:           Maloy Risk Services, Inc.
                                 100 Village Blvd., Suite 200
                                 Princeton, NJ 08540
                                 Attention: Richard A. Maloy, Jr.

        8.  ASSIGNABILITY AND BENEFIT. This Agreement and the benefits or
obligations hereof may not be assigned in whole or in part by either party
without the written consent of the other party, except that Cover-All shall have
the right to assign this Agreement to any entity controlled by, or controlling,
it. All of the terms of this Agreement shall be binding upon and inure to the
benefit of, and be enforceable by, the respective successors and permitted
assigns of Maloy and Cover-All.

        9.  CONSTRUCTION. This Agreement shall be governed by and construed and
enforced in accordance with the laws of the State of New Jersey, without regard
to principals of conflicts of laws. Any legal action that may be brought to
enforce the parties' rights under this Agreement will be brought in New Jersey.

        10. ENTIRE AGREEMENT. This Agreement contains all of the agreements and
understandings between the parties hereto and supersedes all prior
correspondence and agreements among the parties hereto, and no oral agreements
or written correspondence shall be held to affect the provisions hereof. All
subsequent changes and modifications to be valid shall be by written instrument
executed by the parties to be bound.

        11. SEVERABILITY. The unenforceability or invalidity of any provision of
this Agreement shall not affect the enforceability or validity of the remaining
portions of this Agreement.

        12. NO WAIVER. No exercise or waiver, in whole or in part, of any right
or remedy provided for in this Agreement shall operate as a waiver of any other
right or remedy. No delay on the part of any party hereto in the exercise of any
right or remedy shall operate as a waiver thereof.

        13. NO THIRD PARTY BENEFICIARIES. This Agreement is solely for the
benefit of the parties hereto and their respective affiliates and should not be
deemed to confer upon third-parties any remedy, claim, liability, reimbursement,
claim of action or other right in excess of those existing without reference to
this Agreement.

        14. HEADINGS. The Section headings of this Agreement are included for
purposes of convenience only and shall not affect the construction or
interpretation of any of its provisions.

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<PAGE>

        15. COUNTERPARTS. This Agreement may be executed and delivered
(including by facsimile transmission) in one or more counterparts, each of which
when executed and delivered shall be deemed to be an original but all of which
taken together shall constitute one and the same agreement.

                  [remainder of page intentionally left blank]

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<PAGE>

         IN WITNESS WHEREOF, the parties have caused this Commission and Service
Agreement to be signed as of the date first above written.

                                        MALOY RISK SERVICES, INC.

                                        By: /s/ Richard Maloy
                                            --------------------------
                                            Name:
                                            Title:

                                        COVER-ALL TECHNOLOGIES INC.

                                        By: /s/ John Roblin
                                            --------------------------
                                            Name:
                                            Title:

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<PAGE>

                                  SCHEDULE A-1
                                  ------------

                FUNCTIONALITY/COMPONENTS OF THE BASE MIC SOFTWARE

                                  MIC Platform
                                    Workflow
                               Files and U/W Tools
                                     Alerts
                                      Lists
                                  Data Capture
                                   Submissions

                                  SCHEDULE A-2
                                  ------------

              FUNCTIONALITY/COMPONENTS OF THE PREMIUM MIC SOFTWARE

                                Rating & Issuance
                                     Billing
                                   Accounting
                                Claims Reporting
     Other functionality or components which may be added from time to timeExhibit 10.1

    
      

    

    Exhibit
      10.1

    

      [Letterhead]

      JP
        Morgan
        Chase

      

      

      December
        15, 2006

      

      Cory
        Boydston

      Beazer
        Homes USA, Inc.

      1000
        Abernathy Road

      Suite
        1200

      Atlanta,
        GA 30328

      

      Re:
        Credit Agreement (the “Credit Agreement”) dated August 22, 2005

      

      Dear
        Cory:

      

      This
        will
        confirm that we have requested the Lenders under the Credit Agreement to
        approve
        the amendment of the definition of EBITDA to read as follows:

      

      “EBITDA”
means,
        for any period, on a consolidated basis for the Borrower and its Subsidiaries
        (other than those Subsidiaries that are not Guarantors), the sum of the amounts
        for such period of (i) Net Income (but excluding from such Net Income for
        the
        applicable period any income derived from any Investment in a Joint Venture
        referred to in Section 6.07(10) to the extent that such income exceeds the
        cash
        distributions thereof received by the Borrower or its Subsidiaries (other
        than
        those Subsidiaries that are not Guarantors) in such period), plus
        (ii)
        charges against income for foreign, federal, state and local taxes, plus
        (iii)
        Interest Expense, plus
        (iv)
        depreciation, plus
        (v)
        amortization expense, including, without limitation, amortization of goodwill
        and other intangible assets and amortization of deferred compensation expense,
        plus
        (vi)
        extraordinary losses (and all other non-cash items reducing Net Income,
        including but not limited to impairment charges for land and other long-lived
        assets and option deposit forfeitures), minus
        (vii)
        interest income, minus
        (viii)
        extraordinary gains (and any unusual gains and non-cash credits arising in
        or
        outside of the ordinary course of business not included in extraordinary
        gains
        that have been included in the determination of such Net Income), all determined
        in accordance with GAAP.

      

      
        
          
          

        

        
          
          

          
            

          

        

        
          
          

        

      

      Please
        confirm your agreement to this amendment by signing and returning to us a
        copy
        of this letter. Please note that this amendment will be effective only when
        approved by the Required Lenders under the Credit Agreement.

      

                          JP
        Morgan Chase
        Bank,

                          as
        Administrative
        Agent

                          By:
/s/
        Michael O’Keefe

                          Michael
        O’Keefe

                          Associate

      Agreed
        to
        this 18th
        day

      of
        December, 2006

      Beazer
        Homes USA, Inc.

      By:
         Cory
        J. Boydston

             
Cory
        J.
        Boydston

             
Senior
        Vice President and Treasurer

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