{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-25-013757","form_type":"8-K","ticker":"THG","cik":"0000944695","company_name":"HANOVER INSURANCE GROUP, INC.","filed_at":"2025-02-04T23:59:59+00:00","discovered_at":"2026-05-14T18:03:06.889618+00:00","generated_at":"2026-05-27T03:50:10.113612+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 reports record Q4 operating EPS $5.32; combined ratio 89.2%","bullets":["Q4 net income $167.9M ($4.59/diluted share); operating income $194.6M ($5.32/sh), both record highs.","Full year net income $426.0M ($11.70/sh), operating $485.9M ($13.34/sh); combined ratio 94.8%.","Net premiums written rose 7.4% in Q4; renewal price increases of 14.2% Personal Lines, 11.8% Core Commercial, 9.5% Specialty.","Net investment income $100.7M (+23.4% YoY); book value per share $79.18 (+14.9% from Dec 2023).","Board raised quarterly dividend 5.9% to $0.90/sh; repurchased ~170k shares for $26.7M in Q4."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-25-013757","json":"https://secwatch.observer/filing/0000950170-25-013757.json","markdown":"https://secwatch.observer/filing/0000950170-25-013757.md","text":"https://secwatch.observer/filing/0000950170-25-013757.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/944695/000095017025013757/0000950170-25-013757-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/944695/000095017025013757/thg-20250204.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T03:50:10.113612+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"}