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 10, 2006, 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 Baldwin & Lyons, Inc., included in the Annual Report
(Form 10K) for the year ended December 31, 2005.



                                                     /S/ ERNST & YOUNG LLP


Indianapolis, Indiana
March 10, 2006