The Hanover Insurance Group, Inc. (THG) is a holding company. THG�s business operations are property and casualty insurance products and services marketed through independent agents and brokers in the United States. It also conducts business internationally through a wholly owned subsidiary, Chaucer Holdings plc (Chaucer), which operates through the Society and Corporation of Lloyd�s (Lloyd�s). THG conducts its business operations through four segments: Commercial Lines, Personal Lines, Chaucer and Other Property and Casualty. THG underwrites commercial and personal property and casualty insurance through Hanover Insurance, Citizens and other THG subsidiaries, through an independent agent and broker network concentrated in the Northeast, Midwest and Southeast United States. Its Chaucer segment is a specialist insurance underwriting group, which operates through Lloyd�s and writes business internationally. Its Other Property and Casualty consists of: Opus Investment Management, Inc.