Exhibit (23)

CONSENT OF INDEPENDENT ACCOUNTANTS




We consent to the incorporation by reference in the registration
statements of The Hartford Steam Boiler Inspection and Insurance
Company on Forms S-8 (File Nos. 33-4397 and 33-36519) of our
report dated January 23, 1995, on our audits of the consolidated
financial statements and financial statement schedules of The
Hartford Steam Boiler Inspection and Insurance Company and its
subsidiaries as of December 31, 1994 and 1993, and for the three
years in the period ended December 31, 1994, which report is
included in this Annual Report on Form 10-K. 




COOPERS & LYBRAND, L.L.P.



Hartford, Connecticut
March 24, 1995