---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-25-256618"
form_type: "8-K"
ticker: "THG"
cik: "0000944695"
company_name: "HANOVER INSURANCE GROUP, INC."
filed_at: "2025-10-29T23:59:59+00:00"
generated_at: "2026-05-17T01:49:58.563146+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Hanover reports record Q3 net income $178.7M ($4.90 EPS); combined ratio 91.1%

## Summary
- Net income $178.7M ($4.90/diluted) vs $102.1M ($2.80) YoY; operating income $185.6M ($5.09) vs $111.3M ($3.05).
- Combined ratio 91.1% (catastrophes 3.0 pts) vs 95.5% prior year; ex-cat combined ratio 88.1%.
- Net premiums written +4.5% to $1.74B; renewal price increases: Personal Lines 10.5%, Core Commercial 9.9%, Specialty 8.3%.
- Net investment income $117.0M (+27.5%) on higher earned yields; book value per share $96.00, up 21.2% year-to-date.

## SEC filing metadata
- accession: 0001193125-25-256618
- form_type: 8-K
- ticker: THG
- cik: 0000944695
- company_name: HANOVER INSURANCE GROUP, INC.
- filed_at: 2025-10-29T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/944695/000119312525256618/0001193125-25-256618-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/944695/000119312525256618/thg-20251029.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-25-256618
- JSON: https://secwatch.observer/filing/0001193125-25-256618.json
- Plain text: https://secwatch.observer/filing/0001193125-25-256618.txt

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