---
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"
generated_at: "2026-06-20T13:44:57.596846+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Hanover Insurance estimates Q4 cat loss $190M pre-tax; Winter Storm Elliott $165M; expects Q4 net loss ($0.33)/share

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-23-000934
- JSON: https://secwatch.observer/filing/0000950170-23-000934.json
- Plain text: https://secwatch.observer/filing/0000950170-23-000934.txt

## Key facts
- Earnings Releases
  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.
  - Period: the fourth quarter 2022
  - Net income: after-tax net loss per share of $(0.33)
  - EPS: after-tax net loss per share of $(0.33)
  - Guidance: reaffirmed
  - Result: preliminary results
  source text: The Hanover Estimates Fourth Quarter Catastrophe Losses; Full-Year Combined Ratio, Excluding Catastrophes in Line with Guidance
  evidence_url: https://www.sec.gov/Archives/edgar/data/944695/000095017023000934/0000950170-23-000934-index.htm

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