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EXHIBIT 21
SUBSIDIARIES OF BALDWIN & LYONS, INC.
| STATE OR |
| JURISDICTION |
| OF ORGANIZATION |
NAME | OR INCORPORATION |
Protective Insurance Company | Indiana |
Sagamore Insurance Company (1) | Indiana |
B&L Insurance, Ltd. | Bermuda |
Baldwin & Lyons, California | California |
B&L Brokerage Services, Inc. | Indiana |
Low Pay Insurance Agency, Inc. (2) | Indiana |
__________________________________________________________
| (1) | Wholly-owned subsidiary of Protective Insurance Company |
| (2) | Wholly-owned subsidiary of Sagamore Insurance Company |
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