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Exhibit 12.1
The Hanover Insurance Group, Inc.
Computation of Ratio of Earnings to Fixed Charges
(in millions, except ratios)
| Fiscal Years Ended December 31 |
| ||||||||||||||||||
|
| 2017 |
|
| 2016 |
|
| 2015 |
|
| 2014 |
|
| 2013 |
| |||||
Income before income taxes |
|
| 301.5 |
|
|
| 192.3 |
|
|
| 439.4 |
|
|
| 378.0 |
|
|
| 329.1 |
|
Less: Fixed Charges |
|
| 54.5 |
|
|
| 61.0 |
|
|
| 66.3 |
|
|
| 72.5 |
|
|
| 72.9 |
|
Income for calculation |
|
| 356.0 |
|
|
| 253.3 |
|
|
| 505.7 |
|
|
| 450.5 |
|
|
| 402.0 |
|
Fixed charges: |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Interest expense |
|
| 48.5 |
|
|
| 54.9 |
|
|
| 60.6 |
|
|
| 65.8 |
|
|
| 65.8 |
|
Interest portion of rental expense |
|
| 6.0 |
|
|
| 6.1 |
|
|
| 5.7 |
|
|
| 6.7 |
|
|
| 7.1 |
|
Total fixed charges |
|
| 54.5 |
|
|
| 61.0 |
|
|
| 66.3 |
|
|
| 72.5 |
|
|
| 72.9 |
|
Ratio of earnings to fixed charges |
|
| 6.532 |
|
|
| 4.152 |
|
|
| 7.627 |
|
|
| 6.214 |
|
|
| 5.514 |
|