White Mountains Insurance Group WTM Specialty — Incurred Loss and LAE, Net of Reinsurance

Other product segments

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Questions, answered.

What is White Mountains Insurance Group's specialty — incurred loss and LAE, net of reinsurance?

White Mountains Insurance Group (WTM) reported specialty — incurred loss and LAE, net of reinsurance of $918.1M in Q4 2025.

How has White Mountains Insurance Group's specialty — incurred loss and LAE, net of reinsurance changed year-over-year?

White Mountains Insurance Group's specialty — incurred loss and LAE, net of reinsurance increased by 311.3% year-over-year, from $223.2M to $918.1M.

What does specialty — incurred loss and LAE, net of reinsurance mean?

This represents the total cost of claims and associated adjustment expenses incurred by the Specialty segment, net of any reinsurance recoveries. It is a primary measure of underwriting performance and the direct cost of providing insurance coverage.