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Loss and Loss Adjustment Expense Reserves
 3 Months Ended
Mar. 31, 2016
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 and reinsurance subsidiaries for the three months ended March 31, 2016 and 2015:
 
 
Three Months Ended
 
 
March 31,
Millions
 
2016
 
2015
Gross beginning balance
 
$
1,395.8

 
$
1,350.0

Less beginning reinsurance recoverable on unpaid losses
 
(186.5
)
 
(161.7
)
Net loss and LAE reserves
 
1,209.3

 
1,188.3

 
 
 
 
 
Loss and LAE incurred relating to:
 
 
 
 
Current year losses
 
161.2

 
169.8

Prior year losses
 
(0.1
)
 
(1.9
)
Total incurred losses and LAE
 
161.1

 
167.9

 
 
 
 
 
Loss and LAE paid relating to:
 
 
 
 
Current year losses
 
(23.1
)
 
(23.3
)
Prior year losses
 
(148.6
)
 
(164.0
)
Total loss and LAE payments
 
(171.7
)
 
(187.3
)
 
 
 
 
 
Net ending balance
 
1,198.7

 
1,168.9

Plus ending reinsurance recoverable on unpaid losses
 
150.9

 
141.7

Gross ending balance
 
$
1,349.6

 
$
1,310.6



Loss and LAE incurred relating to prior year losses for the three months ended March 31, 2016
For the three months ended March 31, 2016, White Mountains experienced net favorable loss reserve development of $0.1 million. During the three months ended March 31, 2016, OneBeacon experienced no net loss and LAE reserve development on prior accident year reserves, as favorable development from several businesses, including Technology and Accident, was offset by unfavorable development primarily in Healthcare. For the three months ended March 31, 2016, SSIE had net favorable loss reserve development of $0.1 million.

Loss and LAE incurred relating to prior year losses for the three months ended March 31, 2015
For the three months ended March 31, 2015, White Mountains experienced net favorable loss reserve development of $1.9 million. For the three months ended March 31, 2015, OneBeacon had net favorable loss reserve development of $1.8 million primarily attributable to favorable development from Crop resulting from the 2014 crop year and favorable development in several other businesses, including Ocean Marine, Technology, Government Risks, Surety and Specialty Property. This favorable development was mostly offset by unfavorable development in Entertainment driven by several claims and by losses within the Inland Marine business driven by a few large claims. For the three months ended March 31, 2015, SSIE had net favorable loss reserve development of $0.1 million.