Exhibit 23.2


            CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM


American Physicians Service Group, Inc.
Austin, Texas


We  hereby  consent  to  the   incorporation  by  reference  in  the  Prospectus
constituting  a part of this  Registration  Statement  on Form S-3 of our report
dated March 21,  2004,  relating to the  consolidated  financial  statements  of
American Physicians Service Group, Inc. appearing in the Company's Annual Report
on Form 10-KSB for the year ended December 31, 2003.

We also consent to the reference to us in the caption "Experts" in the
Prospectus.


                                                        /s/ BDO Seidman, LLP
                                                        ---------------------
                                                        BDO Seidman, LLP

Houston, Texas
June 22, 2004