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) - October 25, 1999

                                 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 October 25, 1999,  HSB Group,  Inc.  (the  "Company")  issued a press release
reporting its third  quarter  earnings.  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 October 25, 1999 announcing third quarter results.












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:                                            /s/ R. Kevin Price
                                                  R. Kevin Price
                                                  Senior Vice President
                                                  and Corporate Secretary