EXHIBIT 23.2
 
               CONSENT OF ERNST & YOUNG LLP, INDEPENDENT AUDITORS
 
     We consent to the reference to our firm under the caption 'Experts' and to
the use of our reports dated February 20, 1998 with respect to the consolidated
financial statements and schedules of Front Royal, Inc. and Subsidiaries, and
dated September 3, 1997 with respect to the consolidated statements of
operations and cash flows of Rockwood Casualty Insurance Company and
subsidiaries for the year ended December 31, 1996, in the Registration Statement
on Form S-1 and related Prospectus of Front Royal, Inc. for the registration of
shares of its common stock.
 
                                          /s/ ERNST & YOUNG LLP
                                           ERNST & YOUNG LLP
 
Richmond, Virginia
July 24, 1998