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                                   EXHIBIT 23



CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM


We consent to the incorporation by reference in the Registration Statement (Form
S-8 No.  2-72576)  pertaining to the 1981 Stock Purchase Plan, the  Registration
Statement  (Form S-8 No.  33-34107)  pertaining  to the  Baldwin  & Lyons,  Inc.
Deferred Directors Fee Option Plan, and the Registration Statement (Form S-8 No.
33-31316)  pertaining to the Baldwin & Lyons,  Inc.  Employee  Discounted  Stock
Option Plan of our reports dated March 9, 2007, with respect to the consolidated
financial  statements and schedules of Baldwin & Lyons,  Inc.,  Baldwin & Lyons,
Inc.  management's  assessment  of the  effectiveness  of internal  control over
financial  reporting,  and the  effectiveness of internal control over financial
reporting of Baldwin & Lyons, Inc., included in the Annual Report (Form 10K) for
the year ended December 31, 2006.



                                                           /S/ ERNST & YOUNG LLP


Indianapolis, Indiana
March 9, 2007