{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-22-013905","form_type":"8-K","ticker":"THG","cik":"0000944695","company_name":"HANOVER INSURANCE GROUP, INC.","filed_at":"2022-08-02T23:59:59+00:00","discovered_at":"2026-05-14T18:03:58.727424+00:00","generated_at":"2026-06-24T06:15:25.482664+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":"Hanover Q2 operating EPS $2.32, net $0.63; combined ratio 96.2%; ex-CAT combined ratio guidance raised to 90.5-91.5%","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%)."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-22-013905","json":"https://secwatch.observer/filing/0000950170-22-013905.json","markdown":"https://secwatch.observer/filing/0000950170-22-013905.md","text":"https://secwatch.observer/filing/0000950170-22-013905.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/944695/000095017022013905/0000950170-22-013905-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/944695/000095017022013905/thg-20220802.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-24T06:15:25.482664+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}