---
schema_version: "secwatch.filing_event.v1"
accession: "0001564590-21-038372"
form_type: "8-K"
ticker: "THG"
cik: "0000944695"
company_name: "HANOVER INSURANCE GROUP, INC."
filed_at: "2021-07-28T23:59:59+00:00"
generated_at: "2026-06-30T02:00:50.698470+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Hanover Q2 net income $3.52 EPS, operating $2.85; combined ratio 94.4%

## Summary
- Net income $128.5M ($3.52 diluted EPS) vs $115.2M ($3.01) prior year; operating income $104.0M ($2.85) vs $62.7M ($1.63).
- Combined ratio improved to 94.4% from 96.2%; ex-cat combined ratio 87.9%.
- Net premiums written $1.207B, up 11.7% (8.6% adjusted for 2020 premium returns).
- Catastrophe losses $76.8M (6.5% of NPE), 40 bps above expectations, driven by Midwest storms.
- Book value per share $88.23, up 4.8% from Q1; share repurchases of 542k shares for $73.3M.

## SEC filing metadata
- accession: 0001564590-21-038372
- form_type: 8-K
- ticker: THG
- cik: 0000944695
- company_name: HANOVER INSURANCE GROUP, INC.
- filed_at: 2021-07-28T23:59:59+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/944695/000156459021038372/0001564590-21-038372-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/944695/000156459021038372/thg-8k_20210727.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001564590-21-038372
- JSON: https://secwatch.observer/filing/0001564590-21-038372.json
- Plain text: https://secwatch.observer/filing/0001564590-21-038372.txt

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