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                                  EXHIBIT 24





                              POWERS OF ATTORNEY


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                             POWERS OF ATTORNEY

     Know All Men By These Presents, that each person whose signature appears
below constitutes and appoints Gary W. Miller and James Kirschner, or either of
them, his true and lawful attorneys-in-fact and agents, with full power of
substitution and resubstitution, for him and in his name, place and stead, in
any and all capacities noted below to sign the Baldwin & Lyons, Inc. Annual
Report on Form 10-K for the fiscal year ended December 31, 1998, and any and
all amendments thereto, required to be filed pursuant to the requirements of
Sections 12(g), 13, or 15(d) of the Securities and Exchange Act of 1934, as
amended, granting unto each of said attorneys-in-fact and agents, full power
and authority to do and perform each and every act and thing requisite and
necessary to be done in and about the premises, as fully to all intents and
purposes as he might or could do in person, hereby ratifying and confirming all
that each of said attorneys-in-fact and agents, or his substitute, may lawfully
do or cause to be done by virtue hereof.

     SIGNATURE AND TITLE                          DATED:

/s/ Gary W. Miller                                February 2, 1999
- ------------------------------------              ------------------
Gary W. Miller, Chairman
of the Board
(Principal Executive Officer)

/s/ G. Patrick Corydon                            February 2, 1999
- ------------------------------------              ------------------
G. Patrick Corydon, Vice
President (Finance) and Treasurer
(Principal Financial and Accounting
Officer)

/s/ Joseph DeVito                                 February 2, 1999
- ------------------------------------              ------------------
Joseph DeVito, Director and
Vice President

/s/ James W. Good                                 February 2, 1999
- ------------------------------------              ------------------
James Good, Director and
Vice President

/s/ Stuart D. Bilton                              February 1, 1999
- ------------------------------------              ------------------
Stuart D. Bilton, Director

/s/ Otto N. Frenzel, III                          February 1, 1999
- ------------------------------------              ------------------
Otto N. Frenzel, III, Director

/s/ John M. O'Mara                                February 1, 1999
- ------------------------------------              ------------------
John M. O'Mara, Director

/s/ Thomas H. Patrick                             February 1, 1999
- ------------------------------------              ------------------
Thomas H. Patrick, Director

/s/ Nathan Shapiro                                February 2, 1999
- ------------------------------------              ------------------
Nathan Shapiro, Director


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Powers of Attorney (continued)


/s/ Norton Shapiro                                February 2, 1999
- ------------------------------------              ------------------
Norton Shapiro, Director

/s/ L. Leslie Waters, Ph.D.                       February 2, 1999
- ------------------------------------              ------------------
L. Leslie Waters, Ph.D., Director

/s/ John D. Weil                                  February 1, 1999
- ------------------------------------              ------------------
John D. Weil, Director

/s/ Robert Shapiro                                February 1, 1999
- ------------------------------------              ------------------
Robert Shapiro, Director

/s/ John Pigott                                   February 1, 1999
- ------------------------------------              ------------------
John Pigott, Director

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