---
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"
generated_at: "2026-06-22T16:42:52.794911+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Hanover Q3 net income $0.2M ($0.01 EPS); combined ratio 101.0%; book value down 10.5%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-22-020890
- JSON: https://secwatch.observer/filing/0000950170-22-020890.json
- Plain text: https://secwatch.observer/filing/0000950170-22-020890.txt

## Key facts
- Earnings Releases
  HANOVER INSURANCE GROUP, INC. reported the quarter ended September 30, 2022 results: net income $0.2 million, EPS $0.01 per diluted share.
  - Period: the quarter ended September 30, 2022
  - Net income: $0.2 million
  - EPS: $0.01 per diluted share
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/944695/000095017022020890/0000950170-22-020890-index.htm

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