{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-24-119063","form_type":"8-K","ticker":"THG","cik":"0000944695","company_name":"HANOVER INSURANCE GROUP, INC.","filed_at":"2024-10-30T23:59:59+00:00","discovered_at":"2026-05-14T18:03:11.450972+00:00","generated_at":"2026-05-30T08:49:31.935703+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"Hanover Q3 EPS $2.80, operating EPS $3.05; combined ratio improves to 95.5% from 104.4%","bullets":["Net income $102.1M ($2.80/diluted share) vs $8.6M ($0.24) a year ago; operating income $111.3M ($3.05/diluted).","Combined ratio improved 8.9 points to 95.5%; ex-cat combined ratio 88.3%, best in several years.","Net premiums written up 4.2% to $1.66B; Personal Lines premiums up 6.8% on 15.4% renewal price increases.","Catastrophe losses $105.9M (7.2 points) vs $196M (13.7 points) in Q3 2023.","Book value per share $79.90, up 12.6% from June 30; net unrealized losses on fixed maturities narrowed to $316.5M from $620.9M."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-24-119063","json":"https://secwatch.observer/filing/0000950170-24-119063.json","markdown":"https://secwatch.observer/filing/0000950170-24-119063.md","text":"https://secwatch.observer/filing/0000950170-24-119063.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/944695/000095017024119063/0000950170-24-119063-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/944695/000095017024119063/thg-20241030.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T08:49:31.935703+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"}