{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-22-019778","form_type":"8-K","ticker":"THG","cik":"0000944695","company_name":"HANOVER INSURANCE GROUP, INC.","filed_at":"2022-10-20T23:59:59+00:00","discovered_at":"2026-05-14T18:03:54.115938+00:00","generated_at":"2026-06-23T02:31:48.285645+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Hanover pre-announces Q3 catastrophe losses of $90M pre-tax; operating EPS guided $0.95-$1.00","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."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-22-019778","json":"https://secwatch.observer/filing/0000950170-22-019778.json","markdown":"https://secwatch.observer/filing/0000950170-22-019778.md","text":"https://secwatch.observer/filing/0000950170-22-019778.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/944695/000095017022019778/0000950170-22-019778-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/944695/000095017022019778/thg-20221020.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-23T02:31:48.285645+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"}