{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-22-020890","form_type":"8-K","ticker":"THG","cik":"0000944695","company_name":"HANOVER INSURANCE GROUP, INC.","filed_at":"2022-11-02T23:59:59+00:00","discovered_at":"2026-05-14T18:03:54.116165+00:00","generated_at":"2026-06-22T16:42:52.794911+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Hanover Q3 net income $0.2M ($0.01 EPS); combined ratio 101.0%; book value down 10.5%","bullets":["Operating income $35.7M ($0.99/sh) vs $30.8M prior year; net income $0.2M ($0.01/sh) down from $34.0M.","Net premiums written +9.5% to $1,505M; core commercial +5.9%, specialty +12.6%, personal lines +11.3%.","Catastrophe losses $90.1M (6.8 pts), including $28M from Hurricane Ian; combined ratio 101.0% vs 102.3%.","Book value per share $64.59, down 10.5% from June 30, 2022 due to fixed maturity fair value decline.","Personal lines operating loss $18.8M; current accident year loss ratio excl. catastrophes rose 9.9 pts to 72.3% on inflation."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-22-020890","json":"https://secwatch.observer/filing/0000950170-22-020890.json","markdown":"https://secwatch.observer/filing/0000950170-22-020890.md","text":"https://secwatch.observer/filing/0000950170-22-020890.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/944695/000095017022020890/0000950170-22-020890-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/944695/000095017022020890/thg-20221101.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-22T16:42:52.794911+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":"bb7a96201b955262a43b3cc7c5759916f87be2ac","claim":"HANOVER INSURANCE GROUP, INC. reported the quarter ended September 30, 2022 results: net income $0.2 million, EPS $0.01 per diluted share.","evidence_excerpt":"The Hanover Insurance Group, Inc. (NYSE: THG) today reported net income of $0.2 million, or $0.01 per diluted share, in the third quarter of 2022","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/944695/000095017022020890/0000950170-22-020890-index.htm","confidence":1.0,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended September 30, 2022"},{"label":"Net income","value":"$0.2 million"},{"label":"EPS","value":"$0.01 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}