SECURITIES AND EXCHANGE COMMISSION

                              WASHINGTON, DC 20549

                                    FORM 8-K

                                 CURRENT REPORT


     Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

       Date of Report (Date of earliest event reported) - January 18, 2000

                                 HSB Group, Inc.
             (Exact name of registrant as specified in its charter)

      Connecticut                         001-13135           06-1475343
   (State or other                        (Commission         (IRS Employer
  jurisdiction of incorporation)          File Number)        Identification
                                                              No.)

   One State Street, Hartford, Connecticut                06102-5024
  (Address of principal executive offices)                 (Zip Code)

       Registrant's telephone number, including area code - (860-722-1866)








Item 5.  Other Events

On January 18, 2000,  HSB Group,  Inc.  (the  "Company")  issued a press release
announcing the anticipated 1999 net income.  Included  herewith as Exhibit 99 is
the Company's press release related to this announcement and such information is
incorporated herein by reference.


Item 7.  Exhibits.

99. Press release dated January 18, 2000  announcing  the  anticipated  1999 net
income.







Pursuant  to the  requirements  of the  Securities  Exchange  Act of  1934,  the
Registrant  has duly  caused  this  report  to be  signed  on its  behalf by the
undersigned, thereunto duly authorized.


                                                      HSB Group, Inc.


Dated: January 19, 2000                              /s/ R. Kevin Price
                                                         R. Kevin Price
                                                         Senior Vice President
                                                         and Corporate Secretary