THG earnings

First Quarter HighlightsCombined ratio of 91.7%; combined ratio, excluding catastrophes(1), of 85.4%Catastrophe losses of $98.9 million, or 6.3 points of the combined ratioNet premiums written increase of 3.2%*Renewal price increases(2) of 8.6% in Core Commercial, 8.4% in Personal Lines, and 4.6% in SpecialtyRate increases(2) of 7.5% in Core Commercial, 4.3% in Personal Lines, and 2.4% in SpecialtyLoss and loss adjustment expense (LAE) ratio of 61.0%, 2.3 points below the prior-year quarterCurrent accident year loss and LAE ratio, excluding catastrophes(3), of 56.3%, 2.0 points below the prior-year quarterNet investment income of $126.9 million, up 19.6% from the prior-year quarterBook value

Fourth Quarter Highlights Net and operating return on equity(1) of 22.7% and 23.1%, respectivelyCombined ratio of 89.0%; combined ratio, excluding catastrophes(2), of 87.3%Catastrophe losses of $27.0 million, or 1.7 points of the combined ratioNet premiums written increase of 3.0%*, or 4.1% excluding reinstatement premiums(3)Renewal price increases(4) of 9.4% in Core Commercial, 9.2% in Personal Lines, and 6.4% in SpecialtyRate increases(4) of 7.7% in Core Commercial, 6.3% in Personal Lines, and 4.2% in SpecialtyNet investment income of $125.8 million, up 24.9% from the prior-year quarterBook value per share of $100.90, up 5.1% from September 30, 2025On December 1, 2025, the Board of Directo

Third Quarter Highlights Combined ratio of 91.1%; combined ratio, excluding catastrophes(1), of 88.1%Catastrophe losses of $46.2 million, or 3.0 points of the combined ratioNet premiums written increase of 4.5%*Renewal price increases(2) of 10.5% in Personal Lines, 9.9% in Core Commercial, and 8.3% in SpecialtyRate increases(2) of 8.7% in Core Commercial, 6.8% in Personal Lines, and 5.8% in SpecialtyLoss and loss adjustment expense (LAE) ratio of 59.8%, 4.7 points below the prior-year quarter, primarily reflecting lower catastrophe lossesCurrent accident year loss and LAE ratio, excluding catastrophes(3), of 57.6%, 0.6 points below the prior-year quarter, led by improvement in Personal Lines

Second Quarter Highlights Combined ratio of 92.5%; combined ratio, excluding catastrophes(1), of 85.5%Catastrophe losses of $107.5 million, or 7.0 points of the combined ratioNet premiums written increase of 4.1%*Renewal price increases(2) of 12.3% in Personal Lines, 10.7% in Core Commercial, and 7.8% in SpecialtyRate increases(2) of 9.0% in Core Commercial, 8.4% in Personal Lines, and 5.5% in SpecialtyLoss and loss adjustment expense (LAE) ratio of 61.9%, 6.5 points below the prior-year quarterCurrent accident year loss and LAE ratio, excluding catastrophes(3), of 56.1%, 2.8 points below the prior-year quarter, led by outstanding improvement in Personal LinesNet investment income of $105.5

First Quarter Highlights Combined ratio of 94.1%; combined ratio, excluding catastrophes(1), of 87.8%Catastrophe losses of $95.6 million, or 6.3 points of the combined ratioNet premiums written increase of 3.9%*Renewal price increases(2) of 13.1% in Personal Lines, 11.1% in Core Commercial, and 8.4% in SpecialtyRate increases(2) of 11.8% in Personal Lines, 9.1% in Core Commercial, and 5.9% in SpecialtyLoss and loss adjustment expense (LAE) ratio of 63.3%, 1.3 points below the prior-year quarterCurrent accident year loss and LAE ratio, excluding catastrophes(3), of 58.3%, 1.0 point below the prior-year quarter, led by outstanding improvement in Personal LinesNet investment income of $106.1 mi

Fourth Quarter Highlights Net and operating return on equity(1) of 23.5% and 24.4%, respectivelyCombined ratio of 89.2%; combined ratio, excluding catastrophes(2), of 87.5%Catastrophe losses of $26.0 million, or 1.7 points of the combined ratioNet premiums written increase of 7.4%*Renewal price increases(3) of 14.2% in Personal Lines, 11.8% in Core Commercial, and 9.5% in SpecialtyRate increases(3) of 13.1% in Personal Lines, 9.2% in Core Commercial, and 6.1% in SpecialtyLoss and loss adjustment expense (LAE) ratio of 56.9%, 6.7 points below the prior-year quarterCurrent accident year loss and LAE ratio, excluding catastrophes(4), of 56.9%, 3.3 points below the prior-year quarter, led by out

Third Quarter Highlights Combined ratio of 95.5%; combined ratio, excluding catastrophes(1), of 88.3%Catastrophe losses of $105.9 million, or 7.2 points of the combined ratioNet premiums written increase of 4.2%*Renewal price increases(2) of 15.4% in Personal Lines, 12.9% in Core Commercial and 10.1% in SpecialtyRate increases(2) of 14.4% in Personal Lines, 10.0% in Core Commercial and 7.6% in SpecialtyLoss and loss adjustment expense (LAE) ratio of 64.5%, 9.7 points below the prior-year quarterCurrent accident year loss and LAE ratio, excluding catastrophes(3), of 58.2%, 2.4 points below the prior-year quarter, led by strong improvement in Personal LinesNet investment income of $91.8 millio

Second Quarter Highlights Combined ratio of 99.2%; combined ratio, excluding catastrophes(1), of 88.5%Catastrophe losses of $157.1 million, or 10.7 points of the combined ratioNet premiums written increase of 5.1%*Renewal price increases(2) of 18.5% in Personal Lines, 11.7% in Core Commercial and 11.7% in SpecialtyRate increases(2) of 16.6% in Personal Lines, 9.3% in Core Commercial and 8.2% in SpecialtyLoss and loss adjustment expense (LAE) ratio of 68.4%, 12.3 points below the prior-year quarterCurrent accident year loss and LAE ratio, excluding catastrophes(3), of 58.9%, 3.4 points below the prior-year quarter, with improvement in each major segmentNet investment income of $90.4 million,

First Quarter Highlights Combined ratio of 95.5%; combined ratio, excluding catastrophes(1), of 89.5%Catastrophe losses of $86.9 million, or 6.0 points of the combined ratioNet premiums written increase of 2.3%*Renewal price increases(2) of 22.8% in Personal Lines, 11.5% in Core Commercial and 11.0% in SpecialtyRate increases(2) of 15.8% in Personal Lines, 9.3% in Core Commercial and 8.4% in SpecialtyLoss and loss adjustment expense (LAE) ratio of 64.6%, 9.1 points below the prior-year quarter, driven by lower catastrophe and non-catastrophe lossesCurrent accident year loss and LAE ratio, excluding catastrophes(3), of 59.3%, 1.9 points below the prior-year quarterNet investment income of $89

Fourth Quarter Highlights Combined ratio of 94.2%; combined ratio, excluding catastrophes(1), of 90.2%Catastrophe losses of $57.7 million, or 4.0 points of the combined ratioNet premiums written increase of 1.5%*Renewal price increases(2) of 20.6% in Personal Lines, including 29.1% in homeowners, as well as increases of 12.4% in Core Commercial and 11.6% in SpecialtyRate increases(2) of 13.2% in Personal Lines, 9.3% in Core Commercial and 9.0% in SpecialtyLoss and loss adjustment expense ("LAE") ratio of 63.6%, 13.5 points below the prior-year quarter, driven by both lower catastrophe and non-catastrophe lossesCurrent accident year loss and LAE ratio, excluding catastrophes(3), of 60.2%, 3.1

Second Quarter Highlights Combined ratio of 111.3%; combined ratio, excluding catastrophes(1), of 92.8%Catastrophe losses of $261.6 million, or 18.5 points of the combined ratio, driven by several convective storms across multiple states, with hail damage representing the majority of reported losses and primarily impacting Personal LinesNet premiums written increase of 8.6%*, with contributions from each segmentRenewal price increases(2) of 15.9% in Personal Lines, including 21.7% in homeowners, as well as increases of 11.4% in Specialty and 11.3% in Core CommercialRate increases(2) of 9.8% in Personal Lines, 6.4% in Specialty and 7.8% in Core CommercialCurrent accident year loss and loss ad

First Quarter Highlights Combined ratio of 104.4%; combined ratio, excluding catastrophes(1), of 91.7%Catastrophe losses of $175.0 million, or 12.7 points of the combined ratio, driven by severe freeze events in the Northeast and Midwest, as well as widespread wind and tornadic activity across the U.S.Net premiums written increase of 8.3%*, with contributions from each segmentRenewal price change(2) of 11.5% in Core Commercial, 12.6% in Specialty, as well as 12.7% in Personal Lines, driven by homeowners renewal price change of 18.9%Rate increases(2) of 7.8% in Core Commercial, 7.4% in Specialty and 7.6% in Personal LinesCurrent accident year loss and loss adjustment expense (LAE) ratio, excl

Full Year Highlights Combined ratio of 99.8%; Combined ratio, excluding catastrophes(1), of 92.1% Net premiums written of $5.5 billion, an increase of 9.7%* from the prior year Current accident year loss and loss adjustment expense ("LAE") ratio, excluding catastrophes(2), increased from the prior year reflecting the impact of inflation on property coverages in Personal Lines and Core Commercial, partially offset by the benefit of rate increases earning in within Specialty and Core Commercial Net investment income of $296.3 million, above original guidance by approximately $25 million, driven primarily by higher-than-expected bond reinvestment rates  Fourth Quarter Highlights Combined ratio

Third Quarter Highlights Combined ratio of 101.0%; combined ratio, excluding catastrophes(1), of 94.2%Catastrophe losses of $90.1 million, or 6.8 points of the combined ratio, including the impact from Hurricane Ian of $28.0 millionNet premiums written increase of 9.5%*, with contributions from each segmentRenewal price change(2) of 11.2% in Core Commercial, 12.4% in Specialty and 7.3% in Personal Lines, driven by homeowners renewal price change of 12.1%Rate increases(2) of 7.3% in Core Commercial, 8.0% in Specialty and 4.0% in Personal LinesCurrent accident year loss and loss adjustment expense ("LAE") ratio, excluding catastrophes(3), of 64.1% reflecting higher-than-expected inflation, pri

Second Quarter Highlights Net premiums written increase of 10.4%*, with strong growth from each segmentRate increases(1) of 6.9% in Core Commercial, 8.0% in Specialty and 3.2% in Personal LinesRenewal price change(1) of 11.0% in Core Commercial, 12.0% in Specialty and 5.4% in Personal LinesCatastrophe losses of $77.4 million, or 6.0 points of the combined ratio, including favorable development on prior-year catastrophesCurrent accident year loss and loss adjustment expense ("LAE") ratio, excluding catastrophes(2), of 60.1%, included improved loss ratios within Specialty and Core Commercial, which were more than offset by the impact of higher property severity in Personal LinesNet investment

First Quarter Highlights Operating income(1) of $117.7 million increased 91.6% from $61.4 million in the prior-year quarter Combined ratio of 93.4%; combined ratio, excluding catastrophes(2) of 89.8% Net premiums written increase of 9.7%*, with strong growth from each segment Rate increases(3) of 6.3% in Core Commercial, 8.4% in Specialty, and 2.7% in Personal Lines Renewal price change(3) up 9.7% in Core Commercial, 12.6% in Specialty and 4.3% in Personal Lines Catastrophe loss ratio of 3.6%, below the company's first quarter catastrophe assumption by 1.2 points Current accident year loss and loss adjustment expense ("LAE") ratio, excluding catastrophes(4), of 59.2%, as continued favorable

WORCESTER, Mass., Feb. 2, 2022 /PRNewswire/ -- The Hanover Insurance Group, Inc. (NYSE:THG) today reported net income of $163.5 million, or $4.53 per diluted share, in the fourth quarter of 2021, compared to $164.6 million, or $4.43 per diluted share, in the prior-year quarter. Operating income(7)  was  $122.1 million, or $3.38 per diluted share, for the fourth quarter of 2021. This compared to operating income of $112.0 million, or $3.02 per diluted share, in the prior-year quarter. The difference between net and operating income in the fourth quarter of 2021 was primarily due to the after-tax increase in the fair value of equity securities of $42.0 million, or $1.16 per fully diluted share

WORCESTER, Mass., Oct. 27, 2021 /PRNewswire/ -- The Hanover Insurance Group, Inc. (NYSE:THG) today reported net income of $34.0 million, or $0.94 per diluted share, in the third quarter of 2021, compared to $118.9 million, or $3.13 per diluted share, in the prior-year quarter. Operating income (1) was $30.8 million, or $0.85 per diluted share, for the third quarter of 2021. This compared to operating income of $93.5 million, or $2.46 per diluted share, in the prior-year quarter. Third Quarter Highlights Net premiums written increase of 8.4%*, reflecting strong growth in all se

WORCESTER, Mass., July 27, 2021 /PRNewswire/ -- The Hanover Insurance Group, Inc. (NYSE:THG) today reported net income of $128.5 million, or $3.52 per diluted share, in the second quarter of 2021, compared to $115.2 million, or $3.01 per diluted share, in the prior-year quarter. Operating income (1) was $104.0 million, or $2.85 per diluted share, for the second quarter of 2021. This compared to operating income of $62.7 million, or $1.63 per diluted share, in the prior-year quarter. The difference between net and operating income in the second quarter of 2021 was primarily due to an after-tax increase in the fair value of equity securities of $20.9 million, or $0.57 per diluted share, which