EXHIBIT 23.4

                         CONSENT OF INDEPENDENT AUDITORS



We consent to the reference of our firm under the caption "Experts" in the
Registration Statement (Form S-4) of United National Group, Ltd. and related
joint proxy statement/prospectus of United National Group, Ltd. and Penn-America
Group, Inc. for the registration of United National Group, Ltd.'s Class A common
shares and to the incorporation by reference therein of our report dated
January 17, 2003, with respect to the consolidated financial statements and
schedules of Penn-America Group, Inc. as of December 31, 2002 and for each of
the two years in the period ended December 31, 2002 included in its Annual
Report on Form 10-K for the year ended December 31, 2003 filed with the
Securities and Exchange Commission.

                                                               Ernst & Young LLP


Philadelphia, Pennsylvania
November 23, 2004