{"filings":[{"id":1666758,"accession_number":"0001193125-26-304948","cik":944695,"company_name":"HANOVER INSURANCE GROUP, INC.","ticker":"THG","form_type":"8-K","filed_at":"2026-07-15T21:13:55+00:00","items":["5.02","9.01"],"status":"ready","headline":"Hanover Insurance CEO John C. Roche to retire Dec 31, 2026; COO Richard W. Lavey named CEO-Elect","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["John C. Roche, 62, will retire as President and CEO and from the Board effective Dec 31, 2026, after a 40-year career.","Richard W. Lavey, 59, appointed CEO-Elect; expected to become CEO on Jan 1, 2027 and join the Board.","Lavey has been COO since March 2025 and previously led Hanover Agency Markets, which represents 75% of $7B gross premiums.","Roche will remain an employee in an advisory capacity through Jan 8, 2027; retirement not related to any disagreement.","Company plans to discuss strategy at investor day on Sep 17, 2026 and next earnings call on Jul 29, 2026."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":6644340507.96631,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":68282,"accession_number":"0001193125-26-221636","cik":944695,"company_name":"HANOVER INSURANCE GROUP, INC.","ticker":"THG","form_type":"8-K","filed_at":"2026-05-13T20:12:24+00:00","items":["5.02","5.07","8.01","9.01"],"status":"ready","headline":"Hanover Insurance announces $700M share repurchase program, replaces $63M remaining authorization","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["New $700M share repurchase authorization approved; no time limit and no obligation to repurchase.","Prior $63M remaining authorization terminated; buybacks may use open market, private, or accelerated transactions.","CFO Farber cites confidence in earnings durability and flexible capital management in announcing program.","Patricia Norton-Gatto appointed Principal Accounting Officer; Jeffrey Farber relinquishes that role.","Annual meeting results: all 8 director nominees elected, say-on-pay approved, PwC ratified as auditor."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":6644340507.96631,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":99937,"accession_number":"0001193125-26-192352","cik":944695,"company_name":"HANOVER INSURANCE GROUP, INC.","ticker":"THG","form_type":"8-K","filed_at":"2026-04-29T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Hanover Q1 net income $5.20/sh, operating income $5.25/sh; combined ratio 91.7%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $186.8M ($5.20 diluted EPS) vs $128.2M ($3.50) YoY; operating income $188.5M ($5.25) vs $141.8M ($3.87).","Combined ratio improved to 91.7% from 94.1% YoY; ex-catastrophe combined ratio 85.4% vs 87.8%.","Net premiums written $1.56B, up 3.2% YoY; net investment income $126.9M, up 19.6%.","Core Commercial combined ratio 96.6% (103.4% YoY); Personal Lines 91.5% (89.7% YoY); Specialty 84.2% (87.7% YoY).","Repurchased 580k shares for ~$101M YTD through Apr 28; book value per share $101.86, up 1.0% from Dec 2025."],"consensus_eps_estimate":4.2331,"consensus_eps_actual":5.2,"consensus_revenue_estimate":null,"consensus_revenue_actual":1701400000.0,"consensus_period":"2026-Q1","consensus_source":"xbrl+finnhub","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":6644340507.96631,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":116241,"accession_number":"0001193125-26-036103","cik":944695,"company_name":"HANOVER INSURANCE GROUP, INC.","ticker":"THG","form_type":"8-K","filed_at":"2026-02-04T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Hanover reports record Q4 net income $198.5M and operating EPS $5.79; dividend hiked 5.6%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income Q4 $198.5M ($5.47 diluted) vs $167.9M ($4.59) prior yr; FY $662.5M ($18.16) vs $426.0M ($11.70).","Operating income Q4 $210.1M ($5.79 diluted), FY $696.2M ($19.09); combined ratio Q4 89.0%, FY 91.6%.","Net premiums written up 3.0% Q4, 3.9% FY to $6.3B; renewal price increases: Core Commercial 9.4%, Personal Lines 9.2%.","Net investment income +24.9% Q4 to $125.8M, +22% FY to $454.4M; book value per share $100.90, up 27.4% from Dec 2024.","Board increased quarterly dividend 5.6% to $0.95/share; $130M in share repurchases in 2025; $44M additional in Jan 2026."],"consensus_eps_estimate":5.0057,"consensus_eps_actual":18.16,"consensus_revenue_estimate":null,"consensus_revenue_actual":6594400000.0,"consensus_period":"2025-FY","consensus_source":"xbrl+finnhub","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":6644340507.96631,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":132699,"accession_number":"0001193125-25-320900","cik":944695,"company_name":"HANOVER INSURANCE GROUP, INC.","ticker":"THG","form_type":"8-K","filed_at":"2025-12-16T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Hanover Insurance calls for redemption of $375M 4.500% Notes due 2026","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Redemption of all $375M outstanding 4.500% Notes due 2026 on January 15, 2026.","Redemption price equals 100% of principal plus accrued interest to redemption date.","Notes were issued under Indenture dated April 8, 2016, with U.S. Bank as trustee.","Notice of redemption to be delivered by trustee to registered holders."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":6644340507.96631,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":132698,"accession_number":"0001193125-25-256618","cik":944695,"company_name":"HANOVER INSURANCE GROUP, INC.","ticker":"THG","form_type":"8-K","filed_at":"2025-10-29T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Hanover reports record Q3 net income $178.7M ($4.90 EPS); combined ratio 91.1%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $178.7M ($4.90/diluted) vs $102.1M ($2.80) YoY; operating income $185.6M ($5.09) vs $111.3M ($3.05).","Combined ratio 91.1% (catastrophes 3.0 pts) vs 95.5% prior year; ex-cat combined ratio 88.1%.","Net premiums written +4.5% to $1.74B; renewal price increases: Personal Lines 10.5%, Core Commercial 9.9%, Specialty 8.3%.","Net investment income $117.0M (+27.5%) on higher earned yields; book value per share $96.00, up 21.2% year-to-date."],"consensus_eps_estimate":4.2596,"consensus_eps_actual":12.7,"consensus_revenue_estimate":null,"consensus_revenue_actual":4922600000.0,"consensus_period":"2025-Q3","consensus_source":"xbrl+finnhub","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":6644340507.96631,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":149218,"accession_number":"0001193125-25-185293","cik":944695,"company_name":"HANOVER INSURANCE GROUP, INC.","ticker":"THG","form_type":"8-K","filed_at":"2025-08-21T23:59:59+00:00","items":["2.03","8.01","9.01"],"status":"ready","headline":"Hanover Insurance prices $500M 5.50% senior notes due 2035, to refinance near-term debt","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["$500M of 5.50% senior notes due Sept 1, 2035 priced on Aug 19, 2025.","Proceeds to repay 7.625% notes due Oct 2025 and 4.500% notes due Apr 2026.","Closing expected Aug 21, 2025; joint book-runners: Goldman Sachs, J.P. Morgan, Morgan Stanley."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":6644340507.96631,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":149217,"accession_number":"0000950170-25-100428","cik":944695,"company_name":"HANOVER INSURANCE GROUP, INC.","ticker":"THG","form_type":"8-K","filed_at":"2025-07-31T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Hanover Q2 earnings beat: EPS $4.30, operating EPS $4.35; combined ratio 92.5%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $157.1M ($4.30 diluted EPS) vs $40.5M ($1.12) prior year; operating income $158.7M ($4.35).","Combined ratio improved to 92.5% from 99.2% (85.5% ex-cat); catastrophe losses $107.5M.","Net premiums written +4.1% to $1.58B; net investment income $105.5M, +16.7% on higher yields.","Book value per share $89.62, +6.0% from Q1; net and operating ROE 20.1% and 18.7%; returned ~$124M to shareholders YTD."],"consensus_eps_estimate":null,"consensus_eps_actual":7.8,"consensus_revenue_estimate":null,"consensus_revenue_actual":3257600000.0,"consensus_period":"2025-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":6644340507.96631,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":168241,"accession_number":"0000950170-25-071460","cik":944695,"company_name":"HANOVER INSURANCE GROUP, INC.","ticker":"THG","form_type":"8-K","filed_at":"2025-05-14T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Hanover Insurance shareholders elect all five directors, approve say-on-pay, ratify PwC at 2025 annual meeting","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Kevin J. Bradicich, Theodore H. Bunting, Jr., William E. Donnell, Joseph R. Ramrath, John C. Roche elected with >30M votes each; Ramrath had 832K votes against.","Advisory vote on executive compensation approved: 29,963,578 for, 764,483 against, 36,455 abstained.","Ratification of PricewaterhouseCoopers as independent auditor for 2025 passed: 32,035,672 for, 527,380 against.","All matters passed with broker non-votes of 1,821,967 on director elections and compensation."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.15,"market_cap_usd":6644340507.96631,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":168240,"accession_number":"0000950170-25-061243","cik":944695,"company_name":"HANOVER INSURANCE GROUP, INC.","ticker":"THG","form_type":"8-K","filed_at":"2025-04-30T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Hanover reports Q1 operating EPS $3.87, net income $3.50/sh; combined ratio 94.1%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $128.2M ($3.50/sh); operating income $141.8M ($3.87/sh).","Combined ratio 94.1% (ex-cat 87.8%); catastrophe losses $95.6M (6.3 pts).","Net premiums written $1,510.8M (+3.9%); renewal price increases 11-13% across lines.","Net investment income $106.1M (+18.3%); earned yield 4.14% on portfolio.","Personal Lines combined ratio improved to 89.7% from 101.0% a year ago."],"consensus_eps_estimate":null,"consensus_eps_actual":3.5,"consensus_revenue_estimate":null,"consensus_revenue_actual":1603200000.0,"consensus_period":"2025-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":6644340507.96631,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":168239,"accession_number":"0000950170-25-050122","cik":944695,"company_name":"HANOVER INSURANCE GROUP, INC.","ticker":"THG","form_type":"8-K","filed_at":"2025-04-03T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Hanover Insurance appoints Richard W. Lavey as EVP and COO effective March 31, 2025","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Richard W. Lavey, 58, appointed Executive Vice President and Chief Operating Officer, a newly created position, effective March 31, 2025.","Lavey retains responsibilities leading personal lines, core commercial, sales, distribution, underwriting, marketing, and risk solutions.","Previously served as Executive Vice President and President, Hanover Agency Markets since 2017.","Lavey joined Hanover in 2004; prior roles include Chief Distribution Officer and President of Personal Lines."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":6644340507.96631,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":185430,"accession_number":"0000950170-25-026882","cik":944695,"company_name":"HANOVER INSURANCE GROUP, INC.","ticker":"THG","form_type":"8-K","filed_at":"2025-02-25T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Hanover Insurance CFO Farber appointed PAO; Barnes resigns","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Warren E. Barnes resigned as SVP, Corporate Controller and PAO effective Feb 25, 2025.","Jeffrey M. Farber, EVP and CFO since 2016, appointed as additional Principal Accounting Officer.","Barnes' retirement from the company remains effective April 1, 2025, as previously disclosed.","Farber previously held senior roles at AIG, Bear Stearns, and Deloitte & Touche."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":6644340507.96631,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":185429,"accession_number":"0000950170-25-013757","cik":944695,"company_name":"HANOVER INSURANCE GROUP, INC.","ticker":"THG","form_type":"8-K","filed_at":"2025-02-04T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Hanover reports record Q4 operating EPS $5.32; combined ratio 89.2%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 net income $167.9M ($4.59/diluted share); operating income $194.6M ($5.32/sh), both record highs.","Full year net income $426.0M ($11.70/sh), operating $485.9M ($13.34/sh); combined ratio 94.8%.","Net premiums written rose 7.4% in Q4; renewal price increases of 14.2% Personal Lines, 11.8% Core Commercial, 9.5% Specialty.","Net investment income $100.7M (+23.4% YoY); book value per share $79.18 (+14.9% from Dec 2023).","Board raised quarterly dividend 5.9% to $0.90/sh; repurchased ~170k shares for $26.7M in Q4."],"consensus_eps_estimate":null,"consensus_eps_actual":11.7,"consensus_revenue_estimate":null,"consensus_revenue_actual":6237400000.0,"consensus_period":"2024-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":6644340507.96631,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":202023,"accession_number":"0000950170-24-119063","cik":944695,"company_name":"HANOVER INSURANCE GROUP, INC.","ticker":"THG","form_type":"8-K","filed_at":"2024-10-30T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Hanover Q3 EPS $2.80, operating EPS $3.05; combined ratio improves to 95.5% from 104.4%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $102.1M ($2.80/diluted share) vs $8.6M ($0.24) a year ago; operating income $111.3M ($3.05/diluted).","Combined ratio improved 8.9 points to 95.5%; ex-cat combined ratio 88.3%, best in several years.","Net premiums written up 4.2% to $1.66B; Personal Lines premiums up 6.8% on 15.4% renewal price increases.","Catastrophe losses $105.9M (7.2 points) vs $196M (13.7 points) in Q3 2023.","Book value per share $79.90, up 12.6% from June 30; net unrealized losses on fixed maturities narrowed to $316.5M from $620.9M."],"consensus_eps_estimate":null,"consensus_eps_actual":7.1,"consensus_revenue_estimate":null,"consensus_revenue_actual":4653100000.0,"consensus_period":"2024-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":6644340507.96631,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":218062,"accession_number":"0000950170-24-097004","cik":944695,"company_name":"HANOVER INSURANCE GROUP, INC.","ticker":"THG","form_type":"8-K","filed_at":"2024-08-14T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"Hanover novates $33.5M reinsurance recoverable from R&Q to Enstar","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["$33.5M reinsurance recoverable from R&Q as of Dec 31, 2023 novated to an Enstar subsidiary effective July 1, 2024.","The novated recoverable remains fully collateralized by assets in trust.","Company provided this disclosure following analyst inquiries about the R&Q exposure."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":6644340507.96631,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":218061,"accession_number":"0000950170-24-088683","cik":944695,"company_name":"HANOVER INSURANCE GROUP, INC.","ticker":"THG","form_type":"8-K","filed_at":"2024-07-31T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Hanover Q2 net income $40.5M ($1.12/diluted) vs loss a year ago; combined ratio improves to 99.2% from 111.3%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Operating income $68.1M ($1.88/diluted) vs operating loss $68.3M a year ago.","Combined ratio, ex-catastrophes: 88.5% vs 92.8% in Q2 2023; catastrophe losses fell to $157.1M (10.7 pts) from $263.6M (18.5 pts).","Net premiums written up 5.1% to $1.52B; renewal price increases: Personal Lines 18.5%, Core Commercial 11.7%, Specialty 11.7%.","Personal Lines operating loss narrowed to $30.4M from $194.1M; combined ratio 109.1% vs 138.0%.","Net investment income $90.4M (+3.2%); ex-partnership income up 19.5%. Book value per share $70.96, up 1.1% from Q1 2024."],"consensus_eps_estimate":null,"consensus_eps_actual":4.3,"consensus_revenue_estimate":null,"consensus_revenue_actual":3087800000.0,"consensus_period":"2024-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":6644340507.96631,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":218060,"accession_number":"0000950170-24-084611","cik":944695,"company_name":"HANOVER INSURANCE GROUP, INC.","ticker":"THG","form_type":"8-K","filed_at":"2024-07-18T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Hanover estimates Q2 cat losses of $157.1M; combined ratio 99.2% ex-CAT 88.5%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Catastrophe losses $157.1M pre-tax (10.7 pts net earned premium) from severe convective storms, mostly Personal Lines.","Combined ratio of 99.2%; ex-CAT combined ratio of 88.5% for Q2 2024.","After-tax net income of $1.12 per diluted share; operating income of $1.88 per diluted share.","Executives cite catastrophe management plan progress and 'massive' YoY improvement in ex-CAT Personal Lines loss ratio.","Sale of lower coupon fixed income securities to offset expiring tax gains from 2021."],"consensus_eps_estimate":null,"consensus_eps_actual":4.3,"consensus_revenue_estimate":null,"consensus_revenue_actual":3087800000.0,"consensus_period":"2024-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":6644340507.96631,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":238010,"accession_number":"0000950170-24-061064","cik":944695,"company_name":"HANOVER INSURANCE GROUP, INC.","ticker":"THG","form_type":"8-K","filed_at":"2024-05-16T23:59:59+00:00","items":["3.03","5.03","5.07","9.01"],"status":"ready","headline":"Hanover Insurance shareholders approve board declassification, officer exculpation, bylaw changes","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Board declassification approved with 30.7M votes for; full declassification effective by 2027 annual meeting.","Officer exculpation under Delaware law approved with 27.8M votes for.","Bylaw amendments modernize director nomination advance notice provisions; effective immediately.","Three directors elected: Condrin, Egan, Lane; each received >28.3M votes for.","Advisory vote on exec compensation passed with 29.3M for; PwC ratified as auditor for 2024."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.45,"calibrated_materiality_score":0.45,"market_cap_usd":6644340507.96631,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":238009,"accession_number":"0000950170-24-051367","cik":944695,"company_name":"HANOVER INSURANCE GROUP, INC.","ticker":"THG","form_type":"8-K","filed_at":"2024-05-01T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Hanover Q1 net income $115.5M ($3.18/diluted share); combined ratio 95.5%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Operating income $111.9M ($3.08/diluted) vs $4.6M ($0.13) a year ago.","Net premiums written $1.454B, up 2.3% YoY; renewal price increases of 22.8% in Personal Lines.","Combined ratio improved to 95.5% from 104.4%; ex-cat combined ratio 89.5% vs 91.7%.","Net investment income $89.7M, up 14.0% YoY on higher bond reinvestment rates and partnership income.","Book value per share $70.22, up 1.9% from Dec 31, 2023."],"consensus_eps_estimate":null,"consensus_eps_actual":3.18,"consensus_revenue_estimate":null,"consensus_revenue_actual":1551100000.0,"consensus_period":"2024-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":6644340507.96631,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":255480,"accession_number":"0000950170-24-009492","cik":944695,"company_name":"HANOVER INSURANCE GROUP, INC.","ticker":"THG","form_type":"8-K","filed_at":"2024-01-31T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Hanover Q4 net income $107.9M ($2.98/diluted); combined ratio 94.2%, improved from 108%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Operating income $113.1M ($3.13/diluted) vs operating loss $37.4M a year ago.","Combined ratio ex-catastrophes improved to 90.2% from 94.1% in Q4 2022.","Net premiums written $1.35B, up 1.5%; renewal price increases of 20.6% in Personal Lines.","Full year 2023 combined ratio 103.5% (12.2 pts catastrophes); net income $35.3M ($0.98/diluted).","Board approved 5% dividend increase to $0.85/quarter; book value $68.93, up 16.4% from Q3."],"consensus_eps_estimate":null,"consensus_eps_actual":0.98,"consensus_revenue_estimate":null,"consensus_revenue_actual":5993500000.0,"consensus_period":"2023-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":6644340507.96631,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":272948,"accession_number":"0000950170-23-068804","cik":944695,"company_name":"HANOVER INSURANCE GROUP, INC.","ticker":"THG","form_type":"8-K","filed_at":"2023-12-07T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Hanover Insurance Group Controller Warren Barnes announces retirement effective April 1, 2025","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Warren E. Barnes, SVP, Corporate Controller and Principal Accounting Officer, intends to retire on April 1, 2025.","Mr. Barnes communicated his intention on December 5, 2023; has been with the company since 1993.","No replacement named; Barnes has served as Principal Accounting Officer since 2015 and Controller since 1997."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":6644340507.96631,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":272947,"accession_number":"0000950170-23-057548","cik":944695,"company_name":"HANOVER INSURANCE GROUP, INC.","ticker":"THG","form_type":"8-K","filed_at":"2023-11-01T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Hanover Q3 net income $0.24 EPS; catastrophe losses $195.8M drive combined ratio to 104.4%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $8.6M ($0.24/diluted) vs $0.5M ($0.01) prior year; operating income $6.8M ($0.19) vs $35.7M ($0.99).","Combined ratio 104.4% (catastrophe losses 13.7 pts); ex-catastrophe combined ratio improved to 90.7% from 94.2%.","Net premiums written up 6.0% to $1.596B; renewal price increases of 18.0% in Personal Lines, 12.9% in Specialty, 11.8% in Core Commercial.","Personal Lines operating loss before tax $100.4M vs loss $18.8M prior year, driven by $144.3M catastrophe losses.","Book value per share $59.21, down 5.4% from June 30; no share repurchases in quarter."],"consensus_eps_estimate":null,"consensus_eps_actual":-2.03,"consensus_revenue_estimate":null,"consensus_revenue_actual":4464700000.0,"consensus_period":"2023-Q3","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":6644340507.96631,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":272946,"accession_number":"0000950170-23-053992","cik":944695,"company_name":"HANOVER INSURANCE GROUP, INC.","ticker":"THG","form_type":"8-K","filed_at":"2023-10-18T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Hanover estimates Q3 catastrophe losses of $195.8M, combined ratio 104.4%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Catastrophe loss estimate of $195.8M pre-tax (13.7 pts of NEP) from Midwest convective storms; hail and wind damage primarily in Personal Lines.","Expected Q3 combined ratio of 104.4%; combined ratio ex-catastrophes 90.7%.","Expected after-tax net income $0.24 per diluted share; operating income $0.19 per diluted share.","Homeowners renewal prices increased 23.4% in Q3; expected 27% in Q4 as part of margin recapture plan.","CEO cites decisive underwriting actions including wind/hail deductibles, aged roof amortization, and strengthened terms and conditions."],"consensus_eps_estimate":null,"consensus_eps_actual":-2.03,"consensus_revenue_estimate":null,"consensus_revenue_actual":4464700000.0,"consensus_period":"2023-Q3","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":6644340507.96631,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":289786,"accession_number":"0000950170-23-049068","cik":944695,"company_name":"HANOVER INSURANCE GROUP, INC.","ticker":"THG","form_type":"8-K","filed_at":"2023-09-21T23:59:59+00:00","items":["5.03","8.01","9.01"],"status":"ready","headline":"Hanover Insurance amends bylaws, plans to propose board declassification at 2024 meeting","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Bylaws amended to add exclusive forum provision for Delaware courts and conform stockholder list rules to Delaware law.","Board expects to propose declassification of board structure at 2024 annual meeting, moving from staggered three-year terms.","Amendments effective September 19, 2023; declassification proposal subject to stockholder vote at 2024 annual meeting."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":6644340507.96631,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":289785,"accession_number":"0000950170-23-037273","cik":944695,"company_name":"HANOVER INSURANCE GROUP, INC.","ticker":"THG","form_type":"8-K","filed_at":"2023-08-02T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Hanover reports Q2 net loss of $69.2M ($1.94/sh); Personal Lines combined ratio 138% on $261.6M cat losses","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net loss $69.2M vs prior-year net income $22.7M; operating loss $68.3M ($1.91/share).","Combined ratio of 111.3% (92.8% ex-cats); catastrophe losses of $261.6M (18.5 points).","Personal Lines operating loss before tax $194.1M; combined ratio 138% (38 pts from cats).","Renewal price increases: Personal Lines 15.9%, Specialty 11.4%, Core Commercial 11.3%.","Book value per share $62.62, down 6.4% from March 31; net investment income $87.6M (+24.3%)."],"consensus_eps_estimate":null,"consensus_eps_actual":-2.27,"consensus_revenue_estimate":null,"consensus_revenue_actual":2948100000.0,"consensus_period":"2023-Q2","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":6644340507.96631,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":289784,"accession_number":"0000950170-23-033859","cik":944695,"company_name":"HANOVER INSURANCE GROUP, INC.","ticker":"THG","form_type":"8-K","filed_at":"2023-07-21T23:59:59+00:00","items":["1.01","1.02","2.03","9.01"],"status":"ready","headline":"Hanover Insurance enters $150M revolving credit facility, replaces 2019 agreement","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["New unsecured revolving credit facility provides $150M, expandable to $300M in $10M increments.","Matures July 21, 2028, with option to extend one year upon lender approval.","Replaces and terminates prior $150M credit agreement dated April 30, 2019.","Interest rates based on debt ratings: ABR margin 0.125%-0.625%, Term SOFR margin 1.125%-1.625%.","Financial covenants require minimum net worth and leverage ratio; no minimum risk-based capital requirement."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":6644340507.96631,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":289783,"accession_number":"0000950170-23-033617","cik":944695,"company_name":"HANOVER INSURANCE GROUP, INC.","ticker":"THG","form_type":"8-K","filed_at":"2023-07-20T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Hanover estimates Q2 cat loss $262M; net loss $(1.94)/share","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Preliminary Q2 cat loss ~$262M pre-tax (18.5 pts net earned premium) from 19 convective storms, mostly hail.","Expected combined ratio 111.3%; ex-cat combined ratio 92.8%.","Net loss per basic share $(1.94); operating loss per basic share $(1.91).","Personal Lines hardest hit; Michigan key market; homeowners renewal price increases of 22% in Q2.","Margin recapture progress includes higher property pricing and successful July 1 reinsurance renewal."],"consensus_eps_estimate":null,"consensus_eps_actual":-2.27,"consensus_revenue_estimate":null,"consensus_revenue_actual":2948100000.0,"consensus_period":"2023-Q2","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":6644340507.96631,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":310694,"accession_number":"0000950170-23-019741","cik":944695,"company_name":"HANOVER INSURANCE GROUP, INC.","ticker":"THG","form_type":"8-K","filed_at":"2023-05-09T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Hanover Insurance annual meeting elects three directors, approves ESPP, say-on-pay, and auditor ratification","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Elected Aristeguieta, Carlin, Ward to Class of 2026 with strong support (over 26.6M votes for).","Approved 2023 Employee Stock Purchase Plan (30.1M for, 65.7K against).","Advisory vote on executive compensation passed (29.4M for); frequency set at one year (29.3M for).","Ratified PricewaterhouseCoopers as independent auditor for 2023 (31.1M for, 0.84M against).","Broker non-votes of 1.8M shares reported on director elections and other proposals."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.15,"calibrated_materiality_score":0.15,"market_cap_usd":6644340507.96631,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":310693,"accession_number":"0000950170-23-016753","cik":944695,"company_name":"HANOVER INSURANCE GROUP, INC.","ticker":"THG","form_type":"8-K","filed_at":"2023-05-02T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Hanover posts Q1 net loss of $12.0M; operating EPS $0.13 vs $3.26 prior; combined ratio 104.4%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net loss $12.0M (-$0.34/sh); operating income $4.6M ($0.13/sh) vs $117.7M ($3.26/sh) a year ago.","Combined ratio 104.4% (catastrophes 12.7 pts); underlying ex-cat ratio 91.7% in line with expectations.","Catastrophe losses $175.0M driven by severe freeze events in Northeast/Midwest and widespread storms.","Net premiums written +8.3%; renewal price change: Core Commercial 11.5%, Specialty 12.6%, Personal Lines 12.7%.","Book value per share $66.89, up 2.0% from Dec. 31, 2022; no share repurchases in quarter."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.34,"consensus_revenue_estimate":null,"consensus_revenue_actual":1443700000.0,"consensus_period":"2023-Q1","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":6644340507.96631,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":310692,"accession_number":"0000950170-23-013497","cik":944695,"company_name":"HANOVER INSURANCE GROUP, INC.","ticker":"THG","form_type":"8-K","filed_at":"2023-04-19T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Hanover estimates Q1 catastrophe losses of $175M pre-tax; CEO calls it break-even quarter","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Preliminary Q1 2023 catastrophe loss estimate of $175M pre-tax (12.7 pts of net earned premium).","Losses from over 20 events: Feb freeze in Northeast/Midwest and March wind/tornadic storms across nearly half the U.S.","CEO Roche says catastrophe activity turned a 'very solid quarter' into approximately break-even operating results.","Company accelerating price/deductible increases in property lines and enhancing underwriting and risk prevention."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.34,"consensus_revenue_estimate":null,"consensus_revenue_actual":1443700000.0,"consensus_period":"2023-Q1","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":6644340507.96631,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":329325,"accession_number":"0000950170-23-010394","cik":944695,"company_name":"HANOVER INSURANCE GROUP, INC.","ticker":"THG","form_type":"8-K","filed_at":"2023-03-29T23:59:59+00:00","items":["1.01","9.01"],"status":"ready","headline":"Hanover Insurance amends credit agreement to replace LIBOR with SOFR benchmark","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Amendment No. 1, dated March 24, 2023, changes the interest rate benchmark from LIBOR to SOFR.","Other material terms of the Credit Agreement remain unchanged.","Parties: Hanover Insurance, JPMorgan Chase Bank as administrative agent, and lenders."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.15,"calibrated_materiality_score":0.15,"market_cap_usd":6644340507.96631,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":329324,"accession_number":"0000950170-23-001619","cik":944695,"company_name":"HANOVER INSURANCE GROUP, INC.","ticker":"THG","form_type":"8-K","filed_at":"2023-02-02T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Hanover Q4 net loss $11.6M, operating loss $37.4M; Winter Storm Elliott drove $165M catastrophe losses","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net loss of $11.6M ($0.33 per basic share) vs net income $163.5M in Q4 2021.","Operating loss of $37.4M ($1.05 per share) vs operating income $122.1M prior year.","Combined ratio 108.0% (94.1% ex-catastrophes); catastrophe losses $189.6M incl $165M from Winter Storm Elliott.","Full-year net income $116.0M ($3.21 diluted) vs $418.7M; combined ratio 99.8%.","Board approved 8% dividend increase to $0.81/quarter; book value per share $65.38, up 1.2% from Q3."],"consensus_eps_estimate":null,"consensus_eps_actual":3.21,"consensus_revenue_estimate":null,"consensus_revenue_actual":5468600000.0,"consensus_period":"2022-FY","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":6644340507.96631,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":329323,"accession_number":"0000950170-23-000934","cik":944695,"company_name":"HANOVER INSURANCE GROUP, INC.","ticker":"THG","form_type":"8-K","filed_at":"2023-01-19T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Hanover Insurance estimates Q4 cat loss $190M pre-tax; Winter Storm Elliott $165M; expects Q4 net loss ($0.33)/share","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 catastrophe loss estimate ~$190M pre-tax (13.9 points), $137M above catastrophe assumption.","Winter Storm Elliott accounted for ~$165M pre-tax of catastrophe losses, primarily impacting core commercial.","Q4 combined ratio ex-catastrophes 94.1%; full-year ex-cat ratio 92.1% within guidance of 92.0%-92.5%.","Expected Q4 after-tax net loss per share $(0.33); operating loss per share $(1.05).","CEO reports double-digit renewal price increases in all three business segments in Q4."],"consensus_eps_estimate":null,"consensus_eps_actual":3.21,"consensus_revenue_estimate":null,"consensus_revenue_actual":5468600000.0,"consensus_period":"2022-FY","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":6644340507.96631,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":346937,"accession_number":"0000950170-22-020890","cik":944695,"company_name":"HANOVER INSURANCE GROUP, INC.","ticker":"THG","form_type":"8-K","filed_at":"2022-11-02T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Hanover Q3 net income $0.2M ($0.01 EPS); combined ratio 101.0%; book value down 10.5%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Operating income $35.7M ($0.99/sh) vs $30.8M prior year; net income $0.2M ($0.01/sh) down from $34.0M.","Net premiums written +9.5% to $1,505M; core commercial +5.9%, specialty +12.6%, personal lines +11.3%.","Catastrophe losses $90.1M (6.8 pts), including $28M from Hurricane Ian; combined ratio 101.0% vs 102.3%.","Book value per share $64.59, down 10.5% from June 30, 2022 due to fixed maturity fair value decline.","Personal lines operating loss $18.8M; current accident year loss ratio excl. catastrophes rose 9.9 pts to 72.3% on inflation."],"consensus_eps_estimate":null,"consensus_eps_actual":3.53,"consensus_revenue_estimate":null,"consensus_revenue_actual":3989900000.0,"consensus_period":"2022-Q3","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":6644340507.96631,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":346936,"accession_number":"0000950170-22-019778","cik":944695,"company_name":"HANOVER INSURANCE GROUP, INC.","ticker":"THG","form_type":"8-K","filed_at":"2022-10-20T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Hanover pre-announces Q3 catastrophe losses of $90M pre-tax; operating EPS guided $0.95-$1.00","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Pre-tax catastrophe losses ~$90M (6.8 points of NEP), ~$22M above assumption.","Hurricane Ian contributed ~$28M of catastrophe losses, mainly in Commercial Lines in Florida.","Expected Q3 current accident year loss and LAE ratio ex-cat 64.1%; combined ratio ex-cat 94.2%.","Expected Q3 operating income per share in range of $0.95 to $1.00.","Company accelerating property price increases to offset elevated ex-CAT losses from inflation and supply chain pressures."],"consensus_eps_estimate":null,"consensus_eps_actual":3.53,"consensus_revenue_estimate":null,"consensus_revenue_actual":3989900000.0,"consensus_period":"2022-Q3","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":6644340507.96631,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":363319,"accession_number":"0000950170-22-013905","cik":944695,"company_name":"HANOVER INSURANCE GROUP, INC.","ticker":"THG","form_type":"8-K","filed_at":"2022-08-02T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Hanover Q2 operating EPS $2.32, net $0.63; combined ratio 96.2%; ex-CAT combined ratio guidance raised to 90.5-91.5%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income fell to $22.6M ($0.63/diluted share) from $128.5M ($3.52) in Q2 2021; operating income $83.9M ($2.32) vs $104.0M ($2.85).","Combined ratio 96.2% (cat losses 6.0 pts); ex-cat combined ratio 90.2% vs 87.9% prior year. Personal Lines combined ratio 103.2%.","Net premiums written grew 10.4% to $1,332.8M; renewal price change: Core Commercial +11%, Specialty +12%, Personal Lines +5.4%.","Book value per share $72.20, down 9.3% from March 31, 2022, due to higher interest rates.","2022 outlook: ex-cat combined ratio 90.5-91.5% (up 1 pt from original); pre-tax net investment income $280-285M (up ~5%)."],"consensus_eps_estimate":null,"consensus_eps_actual":3.52,"consensus_revenue_estimate":null,"consensus_revenue_actual":2623600000.0,"consensus_period":"2022-Q2","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":6644340507.96631,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":363318,"accession_number":"0000950170-22-012803","cik":944695,"company_name":"HANOVER INSURANCE GROUP, INC.","ticker":"THG","form_type":"8-K","filed_at":"2022-07-19T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Hanover Insurance elects Elizabeth A. Ward to Board of Directors; Aristeguieta to committee","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Elizabeth A. Ward, CFO of MassMutual, elected to Board on July 19, 2022; term expires at 2023 annual meeting.","Ward appointed to Audit Committee; will receive pro-rated nonemployee director compensation.","Francisco A. Aristeguieta appointed to Compensation and Human Capital Committee."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":6644340507.96631,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":383097,"accession_number":"0000950170-22-011556","cik":944695,"company_name":"HANOVER INSURANCE GROUP, INC.","ticker":"THG","form_type":"8-K","filed_at":"2022-06-13T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Hanover Insurance elects Francisco Aristeguieta to board of directors","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Francisco A. Aristeguieta (56) elected to board effective June 13, 2022; term expires at 2023 annual meeting.","Currently special adviser at State Street; formerly CEO of State Street Institutional Services and Citigroup Asia Pacific.","Determined independent under NYSE rules; no committee appointments initially.","Compensation same as other non-employee directors, pro-rated for mid-term appointment."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":6644340507.96631,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":383096,"accession_number":"0001564590-22-019390","cik":944695,"company_name":"HANOVER INSURANCE GROUP, INC.","ticker":"THG","form_type":"8-K","filed_at":"2022-05-11T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Hanover Insurance shareholders elect directors, approve LTIP and auditor at 2022 annual meeting","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Five directors elected: Bradicich, Bunting, Hughes, Ramrath, Roche; all received >28M votes for, <1.5M against.","2022 Long-Term Incentive Plan approved with 26.2M for, 3.3M against.","Advisory vote on executive compensation passed with 28.9M for, 0.6M against.","PricewaterhouseCoopers ratified as auditor for 2022 with 30.0M for, 0.9M against."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":6644340507.96631,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":383095,"accession_number":"0001564590-22-017487","cik":944695,"company_name":"HANOVER INSURANCE GROUP, INC.","ticker":"THG","form_type":"8-K","filed_at":"2022-05-03T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Hanover Q1 operating income $117.7M ($3.26/diluted), up 91.6% YoY; combined ratio 93.4%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $104.8M ($2.90/diluted) vs $92.7M ($2.51) YoY; operating income $117.7M ($3.26) vs $61.4M ($1.66).","Combined ratio 93.4% (ex-cat 89.8%); net premiums written up 9.7% to $1.31B with growth across all segments.","Core Commercial combined ratio improved to 93.0% from 111.7% YoY; Specialty to 87.7% from 98.8%; Personal Lines worsened to 97.1% from 87.0%.","Book value per share $79.58, down 10.2% due to higher interest rates; BV excluding unrealized fixed-income losses up 2.0%.","Share repurchases of ~119K shares for $16.3M in Q1; $341M remaining buyback capacity."],"consensus_eps_estimate":null,"consensus_eps_actual":2.9,"consensus_revenue_estimate":null,"consensus_revenue_actual":1330700000.0,"consensus_period":"2022-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":6644340507.96631,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":400914,"accession_number":"0001564590-22-011912","cik":944695,"company_name":"HANOVER INSURANCE GROUP, INC.","ticker":"THG","form_type":"8-K","filed_at":"2022-03-28T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Hanover to split Commercial Lines into Core Commercial & Specialty; historic data refiled 2019-2021","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Disaggregates former Commercial Lines into Core Commercial and Specialty segments including expenses and NII.","Expands top-line reporting: will provide net premiums written, renewal price change, retention by sub-segment.","Will no longer report supplemental loss ratio by product line for Core Commercial segment.","Personal Lines: homeowners sub-segment combined with other personal lines (umbrella).","First quarter 2022 results expected after market close May 3; webcast May 4."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.35,"calibrated_materiality_score":0.35,"market_cap_usd":6644340507.96631,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":400913,"accession_number":"0001564590-22-004344","cik":944695,"company_name":"HANOVER INSURANCE GROUP, INC.","ticker":"THG","form_type":"8-K","filed_at":"2022-02-09T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Director Daniel T. Henry to resign from Hanover Insurance Board","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Daniel T. Henry notified board on February 8, 2022 of intent to resign.","Resignation effective after 2022 Annual Meeting on May 10, 2022.","Personal reasons cited; no replacement named."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":6644340507.96631,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":400912,"accession_number":"0001564590-22-003657","cik":944695,"company_name":"HANOVER INSURANCE GROUP, INC.","ticker":"THG","form_type":"8-K","filed_at":"2022-02-02T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Hanover reports record Q4 operating EPS of $3.38; full-year net income $418.7M; dividend raised 7.1%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 net income $163.5M ($4.53/diluted share) vs $164.6M ($4.43) prior year; operating income $122.1M ($3.38) vs $112.0M ($3.02).","Full year 2021 net income $418.7M ($11.49/diluted share) up from $358.7M ($9.42); operating income $318.3M ($8.73) vs $355.0M ($9.32).","Combined ratio 92.9% (89.8% ex-cat); Commercial Lines current accident year ex-cat combined ratio improved to 90.1% from 90.9%.","Net premiums written up 9.2% in Q4 to $1.215B; full year up 8.6% to $4.993B with strong growth across commercial and personal lines.","Board approved 7.1% dividend increase to $0.75/share; repurchased $162.6M of stock in 2021, $20M in Q4."],"consensus_eps_estimate":null,"consensus_eps_actual":11.49,"consensus_revenue_estimate":null,"consensus_revenue_actual":5227800000.0,"consensus_period":"2021-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":6644340507.96631,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":419866,"accession_number":"0001564590-21-052364","cik":944695,"company_name":"HANOVER INSURANCE GROUP, INC.","ticker":"THG","form_type":"8-K","filed_at":"2021-10-27T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Hanover Q3 net income drops to $34M from $119M; combined ratio 102.3%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $34.0M ($0.94/diluted) vs $118.9M ($3.13/diluted) in prior-year quarter.","Operating income $30.8M ($0.85/diluted) vs $93.5M ($2.46/diluted) a year ago.","Combined ratio 102.3% (ex-cat 89.4%); catastrophe losses $153.5M including $75M from Hurricane Ida.","Net premiums written grew 8.4% to $1.38B; book value per share $87.04, down 1.3% from Q2.","Repurchased 175k shares for $24M in Q3; $371M remaining under buyback program."],"consensus_eps_estimate":null,"consensus_eps_actual":6.98,"consensus_revenue_estimate":null,"consensus_revenue_actual":3853100000.0,"consensus_period":"2021-Q3","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":6644340507.96631,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":437428,"accession_number":"0001564590-21-048568","cik":944695,"company_name":"HANOVER INSURANCE GROUP, INC.","ticker":"THG","form_type":"8-K","filed_at":"2021-09-22T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Hanover estimates Q3 catastrophe losses $150-165M pre-tax; driven by Hurricane Ida","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Preliminary Q3 catastrophe loss estimate $150-165M pre-tax ($119-130M after-tax), $97M above load.","Hurricane Ida contributes ~$75M pre-tax losses, mainly in Northeast and Gulf/Mid-Atlantic regions.","18 industry catastrophe events in Jul-Aug impacted company's footprint along with Ida.","Q3 full results due Oct 27 after close; virtual investor day on Sep 23."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":6644340507.96631,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":437427,"accession_number":"0001564590-21-038372","cik":944695,"company_name":"HANOVER INSURANCE GROUP, INC.","ticker":"THG","form_type":"8-K","filed_at":"2021-07-28T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Hanover Q2 net income $3.52 EPS, operating $2.85; combined ratio 94.4%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $128.5M ($3.52 diluted EPS) vs $115.2M ($3.01) prior year; operating income $104.0M ($2.85) vs $62.7M ($1.63).","Combined ratio improved to 94.4% from 96.2%; ex-cat combined ratio 87.9%.","Net premiums written $1.207B, up 11.7% (8.6% adjusted for 2020 premium returns).","Catastrophe losses $76.8M (6.5% of NPE), 40 bps above expectations, driven by Midwest storms.","Book value per share $88.23, up 4.8% from Q1; share repurchases of 542k shares for $73.3M."],"consensus_eps_estimate":null,"consensus_eps_actual":6.03,"consensus_revenue_estimate":null,"consensus_revenue_actual":2576700000.0,"consensus_period":"2021-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":6644340507.96631,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null}],"next_cursor":null}