---
schema_version: "secwatch.filing_event.v1"
accession: "0000950170-23-057548"
form_type: "8-K"
ticker: "THG"
cik: "0000944695"
company_name: "HANOVER INSURANCE GROUP, INC."
filed_at: "2023-11-01T23:59:59+00:00"
generated_at: "2026-06-09T03:56:57.460114+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Hanover Q3 net income $0.24 EPS; catastrophe losses $195.8M drive combined ratio to 104.4%

## Summary
- Net income $8.6M ($0.24/diluted) vs $0.5M ($0.01) prior year; operating income $6.8M ($0.19) vs $35.7M ($0.99).
- Combined ratio 104.4% (catastrophe losses 13.7 pts); ex-catastrophe combined ratio improved to 90.7% from 94.2%.
- Net premiums written up 6.0% to $1.596B; renewal price increases of 18.0% in Personal Lines, 12.9% in Specialty, 11.8% in Core Commercial.
- Personal Lines operating loss before tax $100.4M vs loss $18.8M prior year, driven by $144.3M catastrophe losses.
- Book value per share $59.21, down 5.4% from June 30; no share repurchases in quarter.

## SEC filing metadata
- accession: 0000950170-23-057548
- form_type: 8-K
- ticker: THG
- cik: 0000944695
- company_name: HANOVER INSURANCE GROUP, INC.
- filed_at: 2023-11-01T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/944695/000095017023057548/0000950170-23-057548-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/944695/000095017023057548/thg-20231101.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-23-057548
- JSON: https://secwatch.observer/filing/0000950170-23-057548.json
- Plain text: https://secwatch.observer/filing/0000950170-23-057548.txt

## Key facts
- Earnings Releases
  HANOVER INSURANCE GROUP, INC. reported the quarter ended September 30, 2023 results: net income $8.6 million, or $0.24 per diluted share, EPS $0.24 per diluted share.
  - Period: the quarter ended September 30, 2023
  - Net income: $8.6 million, or $0.24 per diluted share
  - EPS: $0.24 per diluted share
  - Result: reported results
  source text: On November 1, 2023, The Hanover Insurance Group, Inc. (the Company) issued a press release announcing its financial results for the quarter ended September 30, 2023.
  evidence_url: https://www.sec.gov/Archives/edgar/data/944695/000095017023057548/0000950170-23-057548-index.htm

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