CONSENT OF INDEPENDENT ACCOUNTANTS

We consent to the  incorporation by reference in the registration  statements of
HSB  Group,  Inc.  on Form S-3 (File  No.  333-53059)  and Forms S-8 (File  Nos.
33-4397,  33-36519 and  333-29605)  of our report dated January 24, 2000, on our
audits  of  the  consolidated   financial  statements  and  financial  statement
schedules of HSB Group,  Inc. and its  subsidiaries  as of December 31, 1999 and
1998,  and for the three years in the period  ended  December  31,  1999,  which
report is included in this Annual Report on Form 10-K.




/s/  PricewaterhouseCoopers LLP
PricewaterhouseCoopers LLP
Hartford, Connecticut
March 29, 2000