Exhibit 23.1




INDEPENDENT AUDITORS' CONSENT


We consent to the incorporation by reference in this Registration Statement of
The Midland Company on Form S-3 of our report dated February 6, 2003 (which
report expresses an unqualified opinion and includes an explanatory paragraph
relating to The Midland Company's adoption of Statement of Financial Accounting
Standards No. 142, Goodwill and Other Intangible Assets) incorporated by
reference in the Annual Report on Form 10-K of The Midland Company for the year
ended December 31, 2002 ("Form 10-K") and our report dated March 13, 2003
appearing in the Form 10-K and to the references to us under the heading
"Experts" in the Prospectus, which is part of this Registration Statement.


/s/ Deloitte & Touche LLP

Cincinnati, Ohio
October 21, 2003