{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-23-033617","form_type":"8-K","ticker":"THG","cik":"0000944695","company_name":"HANOVER INSURANCE GROUP, INC.","filed_at":"2023-07-20T23:59:59+00:00","discovered_at":"2026-05-14T18:03:37.100709+00:00","generated_at":"2026-06-13T06:09:49.192181+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"Hanover estimates Q2 cat loss $262M; net loss $(1.94)/share","bullets":["Preliminary Q2 cat loss ~$262M pre-tax (18.5 pts net earned premium) from 19 convective storms, mostly hail.","Expected combined ratio 111.3%; ex-cat combined ratio 92.8%.","Net loss per basic share $(1.94); operating loss per basic share $(1.91).","Personal Lines hardest hit; Michigan key market; homeowners renewal price increases of 22% in Q2.","Margin recapture progress includes higher property pricing and successful July 1 reinsurance renewal."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-23-033617","json":"https://secwatch.observer/filing/0000950170-23-033617.json","markdown":"https://secwatch.observer/filing/0000950170-23-033617.md","text":"https://secwatch.observer/filing/0000950170-23-033617.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/944695/000095017023033617/0000950170-23-033617-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/944695/000095017023033617/thg-20230720.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-13T06:09:49.192181+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":"a95d78c218676b3c6f22d4a9db2e79d8e2ad65a5","claim":"HANOVER INSURANCE GROUP, INC. reported Three months ended June 30, 2023 results: EPS after-tax net loss per basic share of $(1.94).","evidence_excerpt":"The Hanover also expects to report an after-tax net loss per basic share of $(1.94) and operating loss per basic share (2) of $(1.91) for the second quarter.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/944695/000095017023033617/0000950170-23-033617-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"Three months ended June 30, 2023"},{"label":"EPS","value":"after-tax net loss per basic share of $(1.94)"},{"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"}