{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-23-000934","form_type":"8-K","ticker":"THG","cik":"0000944695","company_name":"HANOVER INSURANCE GROUP, INC.","filed_at":"2023-01-19T23:59:59+00:00","discovered_at":"2026-05-14T18:03:48.667853+00:00","generated_at":"2026-06-20T13:44:57.596846+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 Insurance estimates Q4 cat loss $190M pre-tax; Winter Storm Elliott $165M; expects Q4 net loss ($0.33)/share","bullets":["Q4 catastrophe loss estimate ~$190M pre-tax (13.9 points), $137M above catastrophe assumption.","Winter Storm Elliott accounted for ~$165M pre-tax of catastrophe losses, primarily impacting core commercial.","Q4 combined ratio ex-catastrophes 94.1%; full-year ex-cat ratio 92.1% within guidance of 92.0%-92.5%.","Expected Q4 after-tax net loss per share $(0.33); operating loss per share $(1.05).","CEO reports double-digit renewal price increases in all three business segments in Q4."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-23-000934","json":"https://secwatch.observer/filing/0000950170-23-000934.json","markdown":"https://secwatch.observer/filing/0000950170-23-000934.md","text":"https://secwatch.observer/filing/0000950170-23-000934.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/944695/000095017023000934/0000950170-23-000934-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/944695/000095017023000934/thg-20230119.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-20T13:44:57.596846+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":"ce6d481720ee728ceb5447617e92f34e1ef190a2","claim":"HANOVER INSURANCE GROUP, INC. reported the fourth quarter 2022 results: net income after-tax net loss per share of $(0.33), EPS after-tax net loss per share of $(0.33). Guidance reaffirmed.","evidence_excerpt":"The Hanover Estimates Fourth Quarter Catastrophe Losses; Full-Year Combined Ratio, Excluding Catastrophes in Line with Guidance","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/944695/000095017023000934/0000950170-23-000934-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the fourth quarter 2022"},{"label":"Net income","value":"after-tax net loss per share of $(0.33)"},{"label":"EPS","value":"after-tax net loss per share of $(0.33)"},{"label":"Guidance","value":"reaffirmed"},{"label":"Result","value":"preliminary results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}