---
schema_version: "secwatch.filing_event.v1"
accession: "0000950170-24-084611"
form_type: "8-K"
ticker: "THG"
cik: "0000944695"
company_name: "HANOVER INSURANCE GROUP, INC."
filed_at: "2024-07-18T23:59:59+00:00"
generated_at: "2026-05-31T20:03:45.998281+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Hanover estimates Q2 cat losses of $157.1M; combined ratio 99.2% ex-CAT 88.5%

## Summary
- Catastrophe losses $157.1M pre-tax (10.7 pts net earned premium) from severe convective storms, mostly Personal Lines.
- Combined ratio of 99.2%; ex-CAT combined ratio of 88.5% for Q2 2024.
- After-tax net income of $1.12 per diluted share; operating income of $1.88 per diluted share.
- Executives cite catastrophe management plan progress and 'massive' YoY improvement in ex-CAT Personal Lines loss ratio.
- Sale of lower coupon fixed income securities to offset expiring tax gains from 2021.

## SEC filing metadata
- accession: 0000950170-24-084611
- form_type: 8-K
- ticker: THG
- cik: 0000944695
- company_name: HANOVER INSURANCE GROUP, INC.
- filed_at: 2024-07-18T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/944695/000095017024084611/0000950170-24-084611-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/944695/000095017024084611/thg-20240718.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-24-084611
- JSON: https://secwatch.observer/filing/0000950170-24-084611.json
- Plain text: https://secwatch.observer/filing/0000950170-24-084611.txt

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