<PAGE>


                                  UNITED STATES

                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549


                                    FORM 8-K

                                 CURRENT REPORT

                     PURSUANT TO SECTION 13 OR 15(D) OF THE
                         SECURITIES EXCHANGE ACT OF 1934




Date of Report (Date of earliest event reported): JULY 11, 2001 (JUNE 28, 2001)
                                                  -----------------------------



                           COVER-ALL TECHNOLOGIES INC.
        -----------------------------------------------------------------
             (Exact name of Registrant as Specified in its Charter)


           DELAWARE                   0-13124               13-2698053
           --------                   --------              ----------
 (STATE OR OTHER JURISDICTION        (COMMISSION           (IRS EMPLOYER
      OF INCORPORATION)              FILE NUMBER)       IDENTIFICATION NO.)


                18-01 POLLITT DRIVE, FAIR LAWN, NEW JERSEY 07410
  ---------------------------------------------------------------------------
                    (ADDRESS OF PRINCIPAL EXECUTIVE OFFICES)


Registrant's telephone number, including area code        (201) 794-4800
                                                   ---------------------------


                                       N/A
           ----------------------------------------------------------
          (FORMER NAME OR FORMER ADDRESS, IF CHANGED SINCE LAST REPORT)



<PAGE>



ITEM 5.  OTHER EVENTS.

         In a press release dated July 2, 2001, Cover-All Technologies Inc., a
Delaware corporation (the "Company"), announced that it has raised $1,800,000 of
permanent financing through the sale of its 8.00% convertible debentures
pursuant to a Convertible Loan Agreement, dated June 28, 2001, by and among the
Company, and Renaissance US Growth & Income Trust PLC, and BFSUS Special
Opportunities Trust PLC, as lenders, and Renaissance Capital Group, Inc., as
agent, for an aggregate amount of $1,400,000 and a Convertible Loan Agreement,
dated June 28, 2001, by and among the Company, and John Roblin, Arnold Schumsky
and Stuart Sternberg, as lenders, and Stuart Sternberg, as agent, for an
aggregate amount of $400,000. The debentures are convertible into shares of
common stock initially at $0.50 per share subject to adjustment according to the
terms of the respective loan agreement. Upon receipt of the funds, the Company
settled its obligations with Finova Mezzanine Capital Inc. by using $1,650,000
of the proceeds to fully settle its $3,000,000 principal amount 12.5%
convertible debentures due in 2002.

         The Company also announced that Mr. Russell Cleveland, President of
Renaissance Capital Group, Inc., has been named to the board of directors of the
Company.

         A copy of the release is attached.


ITEM 7.  EXHIBITS.

         (c)               EXHIBITS.
                           --------

         10(q)(1)          Convertible Loan Agreement, dated June 28, 2001, by
                           and among the Company, Renaissance US Growth & Income
                           Trust PLC, a public limited company registered in
                           England and Wales, BFSUS Special Opportunities Trust
                           PLC, a public limited company registered in England
                           and Wales, as lenders, and Renaissance Capital Group,
                           Inc., a Texas corporation, as agent.

         10(q)(2)          Convertible Debenture No. 1, dated June 28, 2001,
                           issued to Renaissance US Growth & Income.

         10(q)(3)          Convertible Debenture No. 2, dated June 28, 2001,
                           issued to BFSUS Special Opportunities Trust PLC.

         10(q)(4)          Pledge Agreement, dated as of June 28, 2001, between
                           the Company, Renaissance US Growth & Income Trust PLC
                           and BFSUS Special Opportunities Trust PLC.

         10(q)(5)          Security Agreement, dated as of June 28, 2001, among
                           the Company, Renaissance US Growth & Income Trust PLC
                           and BFSUS Special Opportunities Trust PLC.
<PAGE>

         10(q)(6)          Subsidiary Guaranty, dated as of June 28, 2001, by
                           Cover-All Systems, Inc. in favor of Renaissance US
                           Growth & Income Trust PLC and BFSUS Special
                           Opportunities Trust PLC.

         10(q)(7)          Subsidiary Security Agreement, dated as of June 28,
                           2001, among Cover-All Systems, Inc. in favor of
                           Renaissance US Growth & Income Trust PLC and BFSUS
                           Special Opportunities Trust PLC.

         10(r)(1)          Convertible Loan Agreement, dated June 28, 2001, by
                           and among the Company, John Roblin, Arnold Schumsky
                           and Stuart Sternberg, and Stuart Sternberg, as agent.

         10(r)(2)          Convertible Debenture No. 3, dated June 28, 2001,
                           issued to John Roblin.

         10(r)(3)          Convertible Debenture No. 4, dated June 28, 2001,
                           issued to Arnold Schumsky.

         10(r)(4)          Convertible Debenture No. 5, dated June 28, 2001,
                           issued to Stuart Sternberg.

         10(r)(5)          Security Agreement, dated as of June 28, 2001, among
                           the Company, John Roblin, Arnold Schumsky and Stuart
                           Sternberg.

         10(r)(6)          Subsidiary Guaranty, dated as of June 28, 2001, by
                           Cover-All Systems, Inc. in favor of John Roblin,
                           Arnold Schumsky and Stuart Sternberg.

         10(r)(7)          Subsidiary Security Agreement, dated as of June 28,
                           2001, among Cover-All Systems, Inc. in favor of John
                           Roblin, Arnold Schumsky and Stuart Sternberg.

         10(s)(1)          Lock-Up Agreement, dated June 28, 2001, by and among
                           Renaissance US Growth & Income Trust PLC and BFSUS
                           Special Opportunities Trust PLC, as lenders, and
                           Renaissance Capital Group, Inc., as agent, and John
                           Roblin.

         10(s)(2)          Lock-Up Agreement, dated June 28, 2001 by and among
                           Renaissance US Growth & Income Trust PLC and BFSUS
                           Special Opportunities Trust PLC, as lenders, and
                           Renaissance Capital Group, Inc., as agent, and
                           Maryanne Z. Gallagher.

         10(s)(3)          Lock-Up Agreement, dated June 28, 2001, by and among
                           Renaissance US Growth & Income Trust PLC and BFSUS
                           Special Opportunities Trust PLC, as lenders, and
                           Renaissance Capital Group, Inc., as agent, and Frank
                           Orzell.

                                     - 2 -

<PAGE>

         10(s)(4)          Lock-Up Agreement, dated June 28, 2001 by and among
                           Renaissance US Growth & Income Trust PLC and BFSUS
                           Special Opportunities Trust PLC, as lenders, and
                           Renaissance Capital Group, Inc., as agent, and Ann
                           Massey.

         10(t)             Settlement Agreement, dated June 29, 2001, by and
                           between the Company and FINOVA Mezzanine Capital Inc.

         99.1              Press Release, dated July 2, 2001.

                                     - 3 -
<PAGE>




                                    SIGNATURE

         Pursuant to the requirements of the Securities Exchange Act of 1934,
the Registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.


                                 COVER-ALL TECHNOLOGIES INC.


Date:   JULY 11, 2001            By: /s/  John Roblin
      -----------------              ------------------------------------
                                     John Roblin, President and Chief Executive
                                        Officer


                                      - 4 -
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{"company-data": {"conformed-name": "COVER ALL TECHNOLOGIES INC", "cik": "0000737300", "assigned-sic": "7372", "irs-number": "132698053", "state-of-incorporation": "DE", "fiscal-year-end": "1231"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "000-13124", "film-number": "1678644"}, "business-address": {"street1": "18 01 POLLITT DR", "city": "FAIR LAWN", "state": "NJ", "zip": "07410", "phone": "2017944800"}, "mail-address": {"street1": "17 01 POLLIT DRIVE", "city": "FAIR LAWN", "state": "NJ", "zip": "07410"}, "former-company": [{"former-conformed-name": "WARNER INSURANCE SERVICES INC", "date-changed": "19920703"}, {"former-conformed-name": "WARNER COMPUTER SYSTEMS INC", "date-changed": "19920407"}]}
UNITED STATES

                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549

                                    FORM 8-K

                                 CURRENT REPORT

                     PURSUANT TO SECTION 13 OR 15(D) OF THE
                         SECURITIES EXCHANGE ACT OF 1934

Date of Report (Date of earliest event reported): JULY 11, 2001 (JUNE 28, 2001)
                                                  -----------------------------

                           COVER-ALL TECHNOLOGIES INC.
        -----------------------------------------------------------------
             (Exact name of Registrant as Specified in its Charter)

           DELAWARE                   0-13124               13-2698053
           --------                   --------              ----------
 (STATE OR OTHER JURISDICTION        (COMMISSION           (IRS EMPLOYER
      OF INCORPORATION)              FILE NUMBER)       IDENTIFICATION NO.)

                18-01 POLLITT DRIVE, FAIR LAWN, NEW JERSEY 07410
  ---------------------------------------------------------------------------
                    (ADDRESS OF PRINCIPAL EXECUTIVE OFFICES)

Registrant's telephone number, including area code        (201) 794-4800
                                                   ---------------------------

                                       N/A
           ----------------------------------------------------------
          (FORMER NAME OR FORMER ADDRESS, IF CHANGED SINCE LAST REPORT)
ITEM 5.  OTHER EVENTS.

         In a press release dated July 2, 2001, Cover-All Technologies Inc., a
Delaware corporation (the "Company"), announced that it has raised $1,800,000 of
permanent financing through the sale of its 8.00% convertible debentures
pursuant to a Convertible Loan Agreement, dated June 28, 2001, by and among the
Company, and Renaissance US Growth & Income Trust PLC, and BFSUS Special
Opportunities Trust PLC, as lenders, and Renaissance Capital Group, Inc., as
agent, for an aggregate amount of $1,400,000 and a Convertible Loan Agreement,
dated June 28, 2001, by and among the Company, and John Roblin, Arnold Schumsky
and Stuart Sternberg, as lenders, and Stuart Sternberg, as agent, for an
aggregate amount of $400,000. The debentures are convertible into shares of
common stock initially at $0.50 per share subject to adjustment according to the
terms of the respective loan agreement. Upon receipt of the funds, the Company
settled its obligations with Finova Mezzanine Capital Inc. by using $1,650,000
of the proceeds to fully settle its $3,000,000 principal amount 12.5%
convertible debentures due in 2002.

         The Company also announced that Mr. Russell Cleveland, President of
Renaissance Capital Group, Inc., has been named to the board of directors of the
Company.

         A copy of the release is attached.

ITEM 7.  EXHIBITS.

         (c)               EXHIBITS.
                           --------

         10(q)(1)          Convertible Loan Agreement, dated June 28, 2001, by
                           and among the Company, Renaissance US Growth & Income
                           Trust PLC, a public limited company registered in
                           England and Wales, BFSUS Special Opportunities Trust
                           PLC, a public limited company registered in England
                           and Wales, as lenders, and Renaissance Capital Group,
                           Inc., a Texas corporation, as agent.

         10(q)(2)          Convertible Debenture No. 1, dated June 28, 2001,
                           issued to Renaissance US Growth & Income.

         10(q)(3)          Convertible Debenture No. 2, dated June 28, 2001,
                           issued to BFSUS Special Opportunities Trust PLC.

         10(q)(4)          Pledge Agreement, dated as of June 28, 2001, between
                           the Company, Renaissance US Growth & Income Trust PLC
                           and BFSUS Special Opportunities Trust PLC.

         10(q)(5)          Security Agreement, dated as of June 28, 2001, among
                           the Company, Renaissance US Growth & Income Trust PLC
                           and BFSUS Special Opportunities Trust PLC.
10(q)(6)          Subsidiary Guaranty, dated as of June 28, 2001, by
                           Cover-All Systems, Inc. in favor of Renaissance US
                           Growth & Income Trust PLC and BFSUS Special
                           Opportunities Trust PLC.

         10(q)(7)          Subsidiary Security Agreement, dated as of June 28,
                           2001, among Cover-All Systems, Inc. in favor of
                           Renaissance US Growth & Income Trust PLC and BFSUS
                           Special Opportunities Trust PLC.

         10(r)(1)          Convertible Loan Agreement, dated June 28, 2001, by
                           and among the Company, John Roblin, Arnold Schumsky
                           and Stuart Sternberg, and Stuart Sternberg, as agent.

         10(r)(2)          Convertible Debenture No. 3, dated June 28, 2001,
                           issued to John Roblin.

         10(r)(3)          Convertible Debenture No. 4, dated June 28, 2001,
                           issued to Arnold Schumsky.

         10(r)(4)          Convertible Debenture No. 5, dated June 28, 2001,
                           issued to Stuart Sternberg.

         10(r)(5)          Security Agreement, dated as of June 28, 2001, among
                           the Company, John Roblin, Arnold Schumsky and Stuart
                           Sternberg.

         10(r)(6)          Subsidiary Guaranty, dated as of June 28, 2001, by
                           Cover-All Systems, Inc. in favor of John Roblin,
                           Arnold Schumsky and Stuart Sternberg.

         10(r)(7)          Subsidiary Security Agreement, dated as of June 28,
                           2001, among Cover-All Systems, Inc. in favor of John
                           Roblin, Arnold Schumsky and Stuart Sternberg.

         10(s)(1)          Lock-Up Agreement, dated June 28, 2001, by and among
                           Renaissance US Growth & Income Trust PLC and BFSUS
                           Special Opportunities Trust PLC, as lenders, and
                           Renaissance Capital Group, Inc., as agent, and John
                           Roblin.

         10(s)(2)          Lock-Up Agreement, dated June 28, 2001 by and among
                           Renaissance US Growth & Income Trust PLC and BFSUS
                           Special Opportunities Trust PLC, as lenders, and
                           Renaissance Capital Group, Inc., as agent, and
                           Maryanne Z. Gallagher.

         10(s)(3)          Lock-Up Agreement, dated June 28, 2001, by and among
                           Renaissance US Growth & Income Trust PLC and BFSUS
                           Special Opportunities Trust PLC, as lenders, and
                           Renaissance Capital Group, Inc., as agent, and Frank
                           Orzell.

                                     - 2 -
10(s)(4)          Lock-Up Agreement, dated June 28, 2001 by and among
                           Renaissance US Growth & Income Trust PLC and BFSUS
                           Special Opportunities Trust PLC, as lenders, and
                           Renaissance Capital Group, Inc., as agent, and Ann
                           Massey.

         10(t)             Settlement Agreement, dated June 29, 2001, by and
                           between the Company and FINOVA Mezzanine Capital Inc.

         99.1              Press Release, dated July 2, 2001.

                                     - 3 -
SIGNATURE

         Pursuant to the requirements of the Securities Exchange Act of 1934,
the Registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.

                                 COVER-ALL TECHNOLOGIES INC.

Date:   JULY 11, 2001            By: /s/  John Roblin
      -----------------              ------------------------------------
                                     John Roblin, President and Chief Executive
                                        Officer

                                      - 4 -