{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-24-088683","form_type":"8-K","ticker":"THG","cik":"0000944695","company_name":"HANOVER INSURANCE GROUP, INC.","filed_at":"2024-07-31T23:59:59+00:00","discovered_at":"2026-05-14T18:03:16.455768+00:00","generated_at":"2026-05-31T14:47:16.414564+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Hanover Q2 net income $40.5M ($1.12/diluted) vs loss a year ago; combined ratio improves to 99.2% from 111.3%","bullets":["Operating income $68.1M ($1.88/diluted) vs operating loss $68.3M a year ago.","Combined ratio, ex-catastrophes: 88.5% vs 92.8% in Q2 2023; catastrophe losses fell to $157.1M (10.7 pts) from $263.6M (18.5 pts).","Net premiums written up 5.1% to $1.52B; renewal price increases: Personal Lines 18.5%, Core Commercial 11.7%, Specialty 11.7%.","Personal Lines operating loss narrowed to $30.4M from $194.1M; combined ratio 109.1% vs 138.0%.","Net investment income $90.4M (+3.2%); ex-partnership income up 19.5%. Book value per share $70.96, up 1.1% from Q1 2024."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-24-088683","json":"https://secwatch.observer/filing/0000950170-24-088683.json","markdown":"https://secwatch.observer/filing/0000950170-24-088683.md","text":"https://secwatch.observer/filing/0000950170-24-088683.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/944695/000095017024088683/0000950170-24-088683-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/944695/000095017024088683/thg-20240731.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T14:47:16.414564+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}