---
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"
generated_at: "2026-05-31T14:47:16.414564+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Hanover Q2 net income $40.5M ($1.12/diluted) vs loss a year ago; combined ratio improves to 99.2% from 111.3%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-24-088683
- JSON: https://secwatch.observer/filing/0000950170-24-088683.json
- Plain text: https://secwatch.observer/filing/0000950170-24-088683.txt

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