Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2022 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 1-13754 THE HANOVER INSURANCE GROUP, INC. (Exact name of registrant as specified in its charter) Delaware 04-3 ...

Financial Data and Key Metrics Changes - For Q3 2022, after-tax operating income was $35.7 million or $0.99 per share, with a combined ratio of 101% reflecting higher than expected inflation and supply chain pressures [22][40] - The combined ratio excluding catastrophes was 94.2%, with catastrophe losses of $90 million impacting net earned premium [22][40] - The company achieved a return on equity (ROE) of 10.5% year-to-date, with net written premium growth of 9.5% in the quarter [14][22] Business Line Data and Key Metrics Changes - Core commercial business grew by 5.9%, driven by renewable price increases of 11.2% [14][25] - Specialty segment achieved growth of 12.6%, with robust rate increases of 8% across its portfolio [15][29] - Personal Lines grew net written premiums by 11.3%, with an average renewal pricing increase of 7.3% [16][30] Market Data and Key Metrics Changes - The company noted that inflation and supply chain issues were pervasive, impacting all primary insurers [20][22] - The market for Personal Lines is experiencing one of the hardest conditions in history, with expectations for continued firming [20][22] Company Strategy and Development Direction - The company is focused on restoring underwriting margins to target levels and achieving long-term financial targets [41][40] - Strategic actions include aggressive pricing increases, insurance to value adjustments, and targeted underwriting measures to address current market challenges [18][19][20] - The company aims to leverage its strong agent partnerships and diversified portfolio to enhance profitability [15][20] Management's Comments on Operating Environment and Future Outlook - Management acknowledged the impact of Hurricane Ian and ongoing macroeconomic challenges, including inflation and supply chain disruptions [11][12] - The company remains confident in its ability to manage risks and achieve long-term profitability despite short-term challenges [13][21] - Future expectations include a combined ratio excluding catastrophes in the range of 92% to 92.5% for the full year 2022 [40] Other Important Information - The company reported net investment income of $73 million for the quarter, benefiting from higher new money yields [36][39] - Statutory capital remained relatively unchanged at $2.7 billion, with a disciplined approach to capital management [39] Q&A Session Summary Question: Can you expand on the improvement in the expense ratio? - The improvement was driven by earned premium growth and reduced incentives, with some elements being sustainable and others potentially one-time [46][48] Question: Update on the Specialty business and cross-selling opportunities? - Success in Specialty comes from both existing and new customers, with significant cross-selling opportunities being realized [49][51] Question: Clarification on inflationary pressures and their impact? - Inflation assumptions were revised, particularly in auto and home segments, leading to higher loss ratios [54][55] Question: Expectations for claims inflation moderation? - The company is cautious but optimistic about managing claims inflation through pricing and underwriting actions [57][60] Question: Risks in the Specialty segment due to inflation? - The diversified nature of the Specialty portfolio helps mitigate risks associated with inflationary pressures [68][69] Question: Core commercial lines pricing acceleration? - The company is seeing good pricing across property coverages, with a focus on maintaining strong rates [76][78] Question: Specialty retention trends? - Retention remains robust, though there may be slight quarter-over-quarter variances due to the nature of the products [86][87] Question: Barriers to taking rate in difficult states? - The company feels confident in its ability to take rate in various states without significant barriers [88][89]

The Hanover Insurance Group, Inc. Third Quarter 2022 Results November 2, 2022 To be read in conjunction with the press release dated November 1, 2022, and conference call scheduled for November 2, 2022 Third Quarter 2022 Operating 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 million • Net premiums written increase of 9.5%*, with contributi ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2022 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 1-13754 THE HANOVER INSURANCE GROUP, INC. (Exact name of registrant as specified in its charter) Delaware 04-326362 ...

The Hanover Insurance Group, Inc. Second Quarter 2022 Results August 3, 2022 To be read in conjunction with the press release dated August 2, 2022, and conference call scheduled for August 3, 2022 Second Quarter Operating Highlights The Hanover Reports Second Quarter Net Income and Operating Income(1) of $0.63 and $2.32 per Diluted Share, Respectively; Combined Ratio of 96.2%; Combined Ratio, Excluding Catastrophes(2), of 90.2% • Net premiums written increase of 10.4%*, with strong growth from each segment ...

Financial Data and Key Metrics Changes - The company reported an 11.1% operating return on equity and a 10.4% net written premium growth for Q2 2022 [11] - Year-to-date operating return on equity reached 13.4%, with operating earnings per share increasing by 24% compared to the prior year [11] - After-tax operating income for Q2 was $83.9 million or $2.32 per share, with a combined ratio of 96.2%, up from 94.4% in Q2 2021 [29] Business Line Data and Key Metrics Changes - Core commercial business achieved a top line growth of 7.7% with a combined ratio of 92.6% [12] - Specialty segment delivered high single-digit normalized growth with a combined ratio of 87.2%, improving by 3.4 points from the prior year [33] - Personal Lines experienced a combined ratio of 93%, above profitability targets, with significant pricing increases implemented [34][20] Market Data and Key Metrics Changes - The core commercial renewal pricing increase reached 11%, driven by economic activity and increases in insured values [13] - Personal Auto renewal price change was 2.9% in Q2, with expectations to increase to 6% to 7% in Q4 and at least 8% in 2023 [35] - Homeowners line saw a renewal price increase of 9.3% in Q2, with expectations for further increases [39] Company Strategy and Development Direction - The company is focused on leveraging advanced technology, underwriting discipline, and talent management to drive growth and profitability [15] - A commitment to enhancing agent partnerships and providing innovative tools, such as the TAP Sales platform, is central to the strategy [14] - The company aims to maintain prudent pricing discipline and align pricing with recent loss dynamics to ensure superior performance [22] Management's Comments on Operating Environment and Future Outlook - The current macro environment is described as dynamic, presenting both challenges and opportunities [23] - Management expressed confidence in the company's ability to navigate complexities and leverage strengths for future growth [24] - The company anticipates continued inflationary pressure in Personal Lines and has adjusted its full-year combined ratio guidance to a range of 90.5% to 91.5% [49] Other Important Information - Net investment income for the quarter was $70.5 million, with expectations for a long-term positive impact from the rising interest rate environment [43][44] - The company successfully completed its reinsurance program, enhancing its reinsurance limits and capacity [46][47] - Book value per share decreased by 9.3% from March 31, 2022, reflecting investment marks [48] Q&A Session Summary Question: Concerns about rate increases through regulators in larger states - Management noted initial challenges but indicated that the need for rate increases has been recognized across states, with no anticipated problems going forward [56][57] Question: Update on cross-sell initiatives in Specialty and Commercial - Management reported gaining momentum in cross-selling Specialty business, contributing positively to growth [58][60] Question: Impact of increasing reinsurance spend on accident year loss ratio - Management confirmed that the allocation of reinsurance costs is not relevant to the home business due to retention levels [64][67] Question: Differentiation in competitive environment by state - Management acknowledged varying competitive pressures by state, with regional players facing similar inflationary pressures [78][81] Question: Thoughts on exposure increases and profitability - Management emphasized the importance of evaluating exposure increases and their impact on loss costs versus pricing across different lines [82][84]

Hanover Insurance Group, Inc. (NYSE:THG) Q1 2022 Earnings Conference Call May 4, 2022 10:00 AM ET Company Participants Oksana Lukasheva - VP, IR & Financial Planning John Roche - President, CEO & Director Jeffrey Farber - EVP & CFO Richard Lavey - EVP & President, Hanover Agency Markets Bryan Salvatore - EVP & President of Specialty Conference Call Participants Matthew Carletti - JMP Securities Meyer Shields - KBW Grace Carter - Bank of America Merrill Lynch Bob Farnam - Boenning and Scattergood Operator Go ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2022 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 1-13754 THE HANOVER INSURANCE GROUP, INC. (Exact name of registrant as specified in its charter) (State or other jurisdiction of inc ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 THE HANOVER INSURANCE GROUP, INC. (Exact name of registrant as specified in its charter) OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from: to Delaware 04-3263626 (State or other jurisdiction of incorporation or organization ...

The Hanover Insurance Group, Inc. (NYSE: THG) Bank of America Securities Insurance Conference February 16, 2022 Key Takeaways 1. Differentiated strategy accelerates growth Growing market share with our consumer- and agent-centric approach, while leveraging our diverse product set and proprietary analytical tools 2. Specialized capabilities are a critical growth driver Further developing specialized capabilities across our business portfolio to position us for continued growth, including expansion of our spe ...