EXHIBIT 23



CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM


We consent to the incorporation by reference in the Registration Statement (Form
S-8 No. 2-72576) pertaining to the 1981 Stock Purchase Plan, the Registration
Statement (Form S-8 No. 33-34107) pertaining to the Baldwin & Lyons, Inc.
Deferred Directors Fee Option Plan, and the Registration Statement (Form S-8 No.
33-31316) pertaining to the Baldwin & Lyons, Inc. Employee Discounted Stock
Option Plan of our reports dated March 4, 2005, with respect to the consolidated
financial statements and schedules of Baldwin & Lyons, Inc., Baldwin & Lyons,
Inc. management's assessment of the effectiveness of internal control over
financial reporting, and the effectiveness of internal control over financial
reporting of the Baldwin & Lyons, Inc., included in this Annual Report (Form
10K) for the year ended December 31, 2004.



                                                          /S/ ERNST & YOUNG LLP


Indianapolis, Indiana
March 10, 2005