---
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"
generated_at: "2026-06-13T06:09:49.192181+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# Hanover estimates Q2 cat loss $262M; net loss $(1.94)/share

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-23-033617
- JSON: https://secwatch.observer/filing/0000950170-23-033617.json
- Plain text: https://secwatch.observer/filing/0000950170-23-033617.txt

## Key facts
- Earnings Releases
  HANOVER INSURANCE GROUP, INC. reported Three months ended June 30, 2023 results: EPS after-tax net loss per basic share of $(1.94).
  - Period: Three months ended June 30, 2023
  - EPS: after-tax net loss per basic share of $(1.94)
  - Result: preliminary results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/944695/000095017023033617/0000950170-23-033617-index.htm

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