{"schema_version":"secwatch.filing_event.v1","accession":"0000860748-23-000081","form_type":"8-K","ticker":"KMPR","cik":"0000860748","company_name":"KEMPER Corp","filed_at":"2023-04-27T23:59:59+00:00","discovered_at":"2026-05-14T18:03:42.458477+00:00","generated_at":"2026-06-16T10:31:37.752224+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 prelim Q1 net loss $75-85M; auto combined ratio 112%","bullets":["Estimated net loss of $75-85M; adjusted net operating loss of $60-70M.","Prelim combined ratio: Kemper Auto 112%, Personal Insurance 117%, Home & Other 115%.","Prior-year reserve additions of ~$42M from higher bodily injury, property damage frequency.","Prelim pre-tax catastrophe losses ~$29M; Life & Health after-tax income ~$13M under LDTI.","Full Q1 results on May 8, 2023; exhibit notes adverse frequency impact from new business."],"urls":{"canonical":"https://secwatch.observer/filing/0000860748-23-000081","json":"https://secwatch.observer/filing/0000860748-23-000081.json","markdown":"https://secwatch.observer/filing/0000860748-23-000081.md","text":"https://secwatch.observer/filing/0000860748-23-000081.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/860748/000086074823000081/0000860748-23-000081-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/860748/000086074823000081/kmpr-20230427.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-16T10:31:37.752224+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":"af38020b5149688425a38856f10e52c40d028b91","claim":"KEMPER Corp reported the first quarter of 2023 results: net income an estimated net loss between $75 million and $85 million.","evidence_excerpt":"Preliminary results for the first quarter of 2023 include an estimated net loss between $75 million and $85 million","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/860748/000086074823000081/0000860748-23-000081-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the first quarter of 2023"},{"label":"Net income","value":"an estimated net loss between $75 million and $85 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"}