The Hanover Insurance Group, Inc. (NYSE:THG) Q3 2022 Earnings Conference Call November 2, 2022 10:00 AM ET

Company Participants

Oksana Lukasheva - VP, IR & Financial Planning

John Roche - President and Chief Executive Officer

Jeffrey Farber - Executive Vice President and Chief Financial Officer

Bryan Salvatore - Executive Vice President and President of Specialty

Richard Lavey - Executive Vice President and President, Hanover Agency Markets

Conference Call Participants

Matt Carletti - JMP Securities

Paul Newsome - Piper Sandler

Grace Carter - Bank of America

James Bach - KBW

Michael Phillips - Morgan Stanley

Operator

Good day, and welcome to The Hanover Insurance Group Third Quarter Earnings Conference Call. My name is Keith, and I'll be your operator of today's call. At this time, all participants’ are in listen-only mode. [Operator Instructions] After today’s presentation there will be an opportunity to ask questions. [Operator Instructions] Please note, this event is being recorded.

I would now like to turn the call over to your host today, Oksana Lukasheva. Mr. Lukasheva, please begin.

Oksana Lukasheva

Thank you, operator. Good morning and thank you for joining us for our quarterly conference call. We will begin today's call with prepared remarks from Jack Roche, our President and Chief Executive Officer; and Jeff Farber, our Chief Financial Officer. Available to answer your questions after our prepared remarks are Dick Lavey, President of Agency Markets; and Bryan Salvatore, President of Specialty Lines.

Before I turn the call over to Jack, let me note that our earnings press release, financial supplement and a complete slide presentation for today's call are available in the Investors section of our website at www.hanover.com.

After the presentation, we will answer questions in the Q&A session. Our prepared remarks and responses to your questions today, other than statements of historical fact, include forward-looking statements as defined under the Private Securities Litigation Reform Act of 1995. These statements can relate to among other things, our outlook and guidance for 2022, economic conditions and related impacts, including inflation, supply chain disruption, evolving insurance behavior emerging from the pandemic and other risks and uncertainties that could affect company performance and/or cause actual results to differ materially from those anticipated. We caution you with respect to reliance on forward-looking statements, and in this respect, refer you to the forward-looking statements section in our press release, the presentation deck and our filings with the SEC.

Today's discussion will also reference certain non-GAAP financial measures, such as operating income and accidental loss and combined ratios excluding catastrophes, among others. A reconciliation of these non-GAAP financial measures to the closest GAAP measure on a historical basis can be found in the press release, the slide presentation or the financial supplement, which are posted on our website, as I mentioned earlier.