---
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"
generated_at: "2026-06-16T10:31:37.752224+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Kemper prelim Q1 net loss $75-85M; auto combined ratio 112%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000860748-23-000081
- JSON: https://secwatch.observer/filing/0000860748-23-000081.json
- Plain text: https://secwatch.observer/filing/0000860748-23-000081.txt

## Key facts
- Earnings Releases
  KEMPER Corp reported the first quarter of 2023 results: net income an estimated net loss between $75 million and $85 million.
  - Period: the first quarter of 2023
  - Net income: an estimated net loss between $75 million and $85 million
  - Result: preliminary results
  source text: Preliminary results for the first quarter of 2023 include an estimated net loss between $75 million and $85 million
  evidence_url: https://www.sec.gov/Archives/edgar/data/860748/000086074823000081/0000860748-23-000081-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.