{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-23-016753","form_type":"8-K","ticker":"THG","cik":"0000944695","company_name":"HANOVER INSURANCE GROUP, INC.","filed_at":"2023-05-02T23:59:59+00:00","discovered_at":"2026-05-14T18:03:42.951206+00:00","generated_at":"2026-06-16T04:28:56.274851+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Hanover posts Q1 net loss of $12.0M; operating EPS $0.13 vs $3.26 prior; combined ratio 104.4%","bullets":["Net loss $12.0M (-$0.34/sh); operating income $4.6M ($0.13/sh) vs $117.7M ($3.26/sh) a year ago.","Combined ratio 104.4% (catastrophes 12.7 pts); underlying ex-cat ratio 91.7% in line with expectations.","Catastrophe losses $175.0M driven by severe freeze events in Northeast/Midwest and widespread storms.","Net premiums written +8.3%; renewal price change: Core Commercial 11.5%, Specialty 12.6%, Personal Lines 12.7%.","Book value per share $66.89, up 2.0% from Dec. 31, 2022; no share repurchases in quarter."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-23-016753","json":"https://secwatch.observer/filing/0000950170-23-016753.json","markdown":"https://secwatch.observer/filing/0000950170-23-016753.md","text":"https://secwatch.observer/filing/0000950170-23-016753.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/944695/000095017023016753/0000950170-23-016753-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/944695/000095017023016753/thg-20230502.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-16T04:28:56.274851+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":"71a93582015a0fc26c342e7ef8752a822f712490","claim":"HANOVER INSURANCE GROUP, INC. reported the quarter ended March 31, 2023 results: revenue $1,380.0, net income $(12.0), EPS $(0.34) per basic share.","evidence_excerpt":"priorities.” Three months ended March 31 ($ in millions, except per share data) 2023 2022 Net premiums written $ 1,421.5 $ 1,312.3 Growth 8.3 % 9.7 % Net premiums earned $ 1,380.0 $ 1,263.8 Current accident year loss and LAE ratio, excluding catastrophes (3) 61.2 % 59.2 % Prior-year development ratio (0.2) % (0.5) % Catastrophe ratio 12.7 % 3.6 % Expense","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/944695/000095017023016753/0000950170-23-016753-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended March 31, 2023"},{"label":"Revenue","value":"$1,380.0"},{"label":"Net income","value":"$(12.0)"},{"label":"EPS","value":"$(0.34) per basic 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"}