{"schema_version":"secwatch.filing_event.v1","accession":"0000860748-23-000007","form_type":"8-K","ticker":"KMPR","cik":"0000860748","company_name":"KEMPER Corp","filed_at":"2023-01-26T23:59:59+00:00","discovered_at":"2026-05-14T18:03:48.295754+00:00","generated_at":"2026-06-20T08:52:36.296191+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Kemper preliminary Q4 2022 net loss $50-65M; combined ratios >100%","bullets":["Estimated Q4 net loss of $50-65M; adjusted net operating loss $25-35M.","Q4 combined ratios: Kemper Auto 109%, Kemper Personal Insurance 111%.","Adverse prior year reserve development of $8M in Q4; total favorable $17M for year.","Catastrophe losses for Q4: $9M.","Full year combined ratios: Auto 108%, Personal Insurance 114%."],"urls":{"canonical":"https://secwatch.observer/filing/0000860748-23-000007","json":"https://secwatch.observer/filing/0000860748-23-000007.json","markdown":"https://secwatch.observer/filing/0000860748-23-000007.md","text":"https://secwatch.observer/filing/0000860748-23-000007.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/860748/000086074823000007/0000860748-23-000007-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/860748/000086074823000007/kmpr-20230126.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-20T08:52:36.296191+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"c133f6ab7bbfd569107eb120ed2b831943c1c1ed","claim":"KEMPER Corp reported the fourth quarter of 2022 results: net income an estimated net loss between $50 million and $65 million.","evidence_excerpt":"Preliminary results for the fourth quarter of 2022 include an estimated net loss between $50 million and $65 million and an estimated adjusted consolidated net operating loss between $25 million and $35 million.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/860748/000086074823000007/0000860748-23-000007-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the fourth quarter of 2022"},{"label":"Net income","value":"an estimated net loss between $50 million and $65 million"},{"label":"Result","value":"preliminary results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}