UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

 

FORM 11-K

 

(Mark One)

 

x          Annual report pursuant to Section 15(d) of the Securities Exchange Act of 1934 for the fiscal year ended December 31, 2007

 

OR

 

o           Transition report pursuant to Section 15(d) of the Securities Exchange Act of 1934 for the transition period from         to

 

Commission file number 1-8993

 

A.    Full title of the plan and the address of the plan, if different from that of the issuer named below:

 

ESURANCE INC. 401(K) PLAN

Esurance Inc.

650 Davis Street

San Francisco, CA 94111

 

B.     Name of issuer of the securities held pursuant to the plan and the address of its principal executive office:

 

WHITE MOUNTAINS INSURANCE GROUP, LTD.

80 South Main Street

Hanover, New Hampshire 03755

 

 



 

REQUIRED INFORMATION

 

The following Financial Statements and Schedule for the Plan and a Written Consent of Independent Registered Public Accounting Firm are filed with, and included in, this Report as Exhibits 23 and 99(a) hereto, respectively, as detailed below:

 

23            Consent of Independent Registered Public Accounting Firm

 

99(a)       Financial Statements and Schedule for the Plan consisting of:

1.       Report of Independent Registered Public Accounting Firm;

2.       Statements of Net Assets Available for Benefits as of December 31, 2007 and 2006;

3.       Statements of Changes in Net Assets Available for Benefits for the years ended December 31, 2007 and 2006;

4.       Notes to Financial Statements;

5.       Schedule of Assets (Held at End of Year) as of December 31, 2007.

 

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SIGNATURES

 

The Plan. Pursuant to the requirements of the Securities Exchange Act of 1934, the trustees (or other persons who administer the employee benefit plan) have duly caused this annual report to be signed on its behalf by the undersigned, thereunto duly authorized.

 

 

 

Esurance Inc. 401(k) Plan

 

 

Date: June 26, 2008

By:

/s/ Gary Tolman

 

 

Gary Tolman

 

 

President and Chief Executive Officer

 

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EXHIBIT INDEX

 

EXHIBIT

 

DESCRIPTION

 

 

 

23

 

Consent of Independent Registered Public Accounting Firm

 

 

 

99(a)

 

Financial Statements and Schedule for the Plan consisting of:

 

 

 

 

 

1.

 

Report of Independent Registered Public Accounting Firm;

 

 

2.

 

Statements of Net Assets Available for Benefits as of December 31, 2007 and 2006;

 

 

3.

 

Statements of Changes in Net Assets Available for Benefits for the years ended December 31, 2007 and 2006;

 

 

4.

 

Notes to Financial Statements;

 

 

5.

 

Schedule of Assets (Held at End of Year) as of December 31, 2007.

 

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