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Loss and Loss Adjustment Expense Reserves
 9 Months Ended
Sep. 30, 2015
Insurance Loss Reserves [Abstract]  
Loss and Loss Adjustment Expense Reserves
Loss and Loss Adjustment Expense Reserves
 
The following table summarizes the loss and loss adjustment expense (“LAE”) reserve activities of White Mountains’s insurance subsidiaries for the three and nine months ended September 30, 2015 and 2014:
 
 
Three Months Ended
 
Nine Months Ended
 
 
September 30,
 
September 30,
Millions
 
2015
 
2014
 
2015
 
2014
Gross beginning balance
 
$
1,357.0

 
$
1,137.8

 
$
1,350.0

 
$
1,054.3

Less beginning reinsurance recoverable on unpaid losses
 
(147.2
)
 
(92.1
)
 
(161.7
)
 
(80.2
)
Net loss and LAE reserves
 
1,209.8

 
1,045.7

 
1,188.3

 
974.1

 
 
 
 
 
 
 
 
 
Loss and LAE reserves consolidated — SSIE
 
—

 
—

 
—

 
13.6

 
 
 
 
 
 
 
 
 
Loss and LAE incurred relating to:
 
 
 
 
 
 

 
 

Current year losses
 
170.4

 
178.4

 
536.7

 
511.0

Prior year losses
 
(0.4
)
 
7.1

 
(2.6
)
 
16.3

Total incurred losses and LAE
 
170.0

 
185.5

 
534.1

 
527.3

 
 
 
 
 
 
 
 
 
Loss and LAE paid relating to:
 
 
 
 
 
 

 
 

Current year losses
 
(53.0
)
 
(55.9
)
 
(120.2
)
 
(116.5
)
Prior year losses
 
(108.1
)
 
(107.3
)
 
(383.5
)
 
(330.5
)
Total loss and LAE payments
 
(161.1
)
 
(163.2
)
 
(503.7
)
 
(447.0
)
 
 
 
 
 
 
 
 
 
Net ending balance
 
1,218.7

 
1,068.0

 
1,218.7

 
1,068.0

Plus ending reinsurance recoverable on unpaid losses
 
214.6

 
101.5

 
214.6

 
101.5

Gross ending balance
 
$
1,433.3

 
$
1,169.5

 
$
1,433.3

 
$
1,169.5



Loss and LAE incurred relating to prior year losses for the three and nine months ended September 30, 2015
For the three and nine months ended September 30, 2015, White Mountains experienced net favorable loss reserve development of $0.4 million and $2.6 million.
During the three months ended September 30, 2015, OneBeacon experienced no net loss and LAE reserve development. For the nine months ended September 30, 2015, OneBeacon had net favorable loss reserve development of $1.8 million. For the three and nine months ended September 30, 2015, SSIE had net favorable loss reserve development of $0.4 million and $0.8 million.

Loss and LAE incurred relating to prior year losses for the three and nine months ended September 30, 2014
For the three and nine months ended September 30, 2014, White Mountains experienced net unfavorable loss reserve development of $7.1 million and $16.3 million.
For the three and nine months ended September 30, 2014, OneBeacon had net unfavorable loss reserve development of $7.3 million and $14.3 million primarily related to a few large losses in OneBeacon Other Professional Lines and Management Liability, as well as OneBeacon Entertainment, OneBeacon Government Risks and OneBeacon Accident Group, partially offset by favorable loss reserve development in OneBeacon Specialty Property. For both the three and nine months ended September 30, 2014, SSIE had net favorable loss reserve development of $0.2 million and net unfavorable loss reserve development of $2.0 million.