---
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"
generated_at: "2026-05-30T08:49:31.935703+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# Hanover Q3 EPS $2.80, operating EPS $3.05; combined ratio improves to 95.5% from 104.4%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-24-119063
- JSON: https://secwatch.observer/filing/0000950170-24-119063.json
- Plain text: https://secwatch.observer/filing/0000950170-24-119063.txt

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