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                                                                   Exhibit 32.1


                            CERTIFICATION PURSUANT TO
                             18 U.S.C. SECTION 1350,
                             AS ADOPTED PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

In connection with the Annual Report of Baldwin & Lyons, Inc. (the "Company") on
Form 10-K for the annual period ending December 31, 2004 as filed with the
Securities and Exchange Commission on the date hereof (the "Report"), I, Gary W.
Miller, Chairman of the Board and Chief Executive Officer of the Company,
certify, pursuant to 18 U.S.C. ss.1350, as adopted pursuant to ss.906 of the
Sarbanes-Oxley Act of 2002, that:

(1)     The Report fully complies with the requirements of section 13(a) or
        15(d) of the Securities Exchange Act of 1934; and

(2)     The information contained in the Report fairly presents, in all material
        respects, the financial condition and results of operations of the
        Company.



/s/ Gary W. Miller
- -------------------------
Gary W. Miller
Chairman of the Board and
Chief Executive Officer
March 14, 2005