---
schema_version: "secwatch.filing_event.v1"
accession: "0001564590-22-003657"
form_type: "8-K"
ticker: "THG"
cik: "0000944695"
company_name: "HANOVER INSURANCE GROUP, INC."
filed_at: "2022-02-02T23:59:59+00:00"
generated_at: "2026-06-27T12:43:48.273488+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Hanover reports record Q4 operating EPS of $3.38; full-year net income $418.7M; dividend raised 7.1%

## Summary
- Q4 net income $163.5M ($4.53/diluted share) vs $164.6M ($4.43) prior year; operating income $122.1M ($3.38) vs $112.0M ($3.02).
- Full year 2021 net income $418.7M ($11.49/diluted share) up from $358.7M ($9.42); operating income $318.3M ($8.73) vs $355.0M ($9.32).
- Combined ratio 92.9% (89.8% ex-cat); Commercial Lines current accident year ex-cat combined ratio improved to 90.1% from 90.9%.
- Net premiums written up 9.2% in Q4 to $1.215B; full year up 8.6% to $4.993B with strong growth across commercial and personal lines.
- Board approved 7.1% dividend increase to $0.75/share; repurchased $162.6M of stock in 2021, $20M in Q4.

## SEC filing metadata
- accession: 0001564590-22-003657
- form_type: 8-K
- ticker: THG
- cik: 0000944695
- company_name: HANOVER INSURANCE GROUP, INC.
- filed_at: 2022-02-02T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/944695/000156459022003657/0001564590-22-003657-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/944695/000156459022003657/thg-8k_20220202.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001564590-22-003657
- JSON: https://secwatch.observer/filing/0001564590-22-003657.json
- Plain text: https://secwatch.observer/filing/0001564590-22-003657.txt

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