Exhibit 24

                      WHITE MOUNTAINS INSURANCE GROUP, LTD.
                                POWER OF ATTORNEY


KNOW ALL MEN by these presents, that John J. Byrne does hereby make, constitute
and appoint Raymond Barrette and John D. Gillespie, and each of them, as true
and lawful attorney-in-fact and agent of the undersigned, with full power of
substitution, resubstitution and revocation, for and in the name, place and
stead of the undersigned, to execute and deliver the Annual Report on Form 10-K,
and any and all amendments thereto; such Form 10-K and each such amendment to be
in such form and to contain such terms and provisions as said attorney or
substitute shall deem necessary or desirable; giving and granting unto said
attorney, or to such person or persons as in any case may be appointed pursuant
to the power of substitution herein given, full power and authority to do and
perform any and every act and thing whatsoever requisite, necessary or, in the
opinion of said attorney or substitute, able to be done in and about the
premises as fully and to all intents and purposes as the undersigned might or
could do if personally present, hereby ratifying and confirming all that said
attorney or such substitute shall lawfully do or cause to be done by virtue
hereof.

IN WITNESS WHEREOF, the undersigned has duly executed these presents this 27th
day of February 2003.


/s/ John J. Byrne




                      WHITE MOUNTAINS INSURANCE GROUP, LTD.
                                POWER OF ATTORNEY


KNOW ALL MEN by these presents, that Mark J.. Byrne does hereby make, constitute
and appoint Raymond Barrette and John D. Gillespie, and each of them, as true
and lawful attorney-in-fact and agent of the undersigned, with full power of
substitution, resubstitution and revocation, for and in the name, place and
stead of the undersigned, to execute and deliver the Annual Report on Form 10-K,
and any and all amendments thereto; such Form 10-K and each such amendment to be
in such form and to contain such terms and provisions as said attorney or
substitute shall deem necessary or desirable; giving and granting unto said
attorney, or to such person or persons as in any case may be appointed pursuant
to the power of substitution herein given, full power and authority to do and
perform any and every act and thing whatsoever requisite, necessary or, in the
opinion of said attorney or substitute, able to be done in and about the
premises as fully and to all intents and purposes as the undersigned might or
could do if personally present, hereby ratifying and confirming all that said
attorney or such substitute shall lawfully do or cause to be done by virtue
hereof.

IN WITNESS WHEREOF, the undersigned has duly executed these presents this 27th
day of February 2003.


/s/ Mark J. Byrne




                      WHITE MOUNTAINS INSURANCE GROUP, LTD.
                                POWER OF ATTORNEY


KNOW ALL MEN by these presents, that Howard L. Clark, Jr. does hereby make,
constitute and appoint Raymond Barrette and John D. Gillespie, and each of them,
as true and lawful attorney-in-fact and agent of the undersigned, with full
power of substitution, resubstitution and revocation, for and in the name, place
and stead of the undersigned, to execute and deliver the Annual Report on Form
10-K, and any and all amendments thereto; such Form 10-K and each such amendment
to be in such form and to contain such terms and provisions as said attorney or
substitute shall deem necessary or desirable; giving and granting unto said
attorney, or to such person or persons as in any case may be appointed pursuant
to the power of substitution herein given, full power and authority to do and
perform any and every act and thing whatsoever requisite, necessary or, in the
opinion of said attorney or substitute, able to be done in and about the
premises as fully and to all intents and purposes as the undersigned might or
could do if personally present, hereby ratifying and confirming all that said
attorney or such substitute shall lawfully do or cause to be done by virtue
hereof.

IN WITNESS WHEREOF, the undersigned has duly executed these presents this 27th
day of February 2003.



/s/ Howard L. Clark Jr.




                      WHITE MOUNTAINS INSURANCE GROUP, LTD.
                                POWER OF ATTORNEY


KNOW ALL MEN by these presents, that Robert P. Cochran does hereby make,
constitute and appoint Raymond Barrette and John D. Gillespie, and each of them,
as true and lawful attorney-in-fact and agent of the undersigned, with full
power of substitution, resubstitution and revocation, for and in the name, place
and stead of the undersigned, to execute and deliver the Annual Report on Form
10-K, and any and all amendments thereto; such Form 10-K and each such amendment
to be in such form and to contain such terms and provisions as said attorney or
substitute shall deem necessary or desirable; giving and granting unto said
attorney, or to such person or persons as in any case may be appointed pursuant
to the power of substitution herein given, full power and authority to do and
perform any and every act and thing whatsoever requisite, necessary or, in the
opinion of said attorney or substitute, able to be done in and about the
premises as fully and to all intents and purposes as the undersigned might or
could do if personally present, hereby ratifying and confirming all that said
attorney or such substitute shall lawfully do or cause to be done by virtue
hereof.

IN WITNESS WHEREOF, the undersigned has duly executed these presents this 27th
day of February 2003.




/s/ Robert P. Cochran




                      WHITE MOUNTAINS INSURANCE GROUP, LTD.
                                POWER OF ATTORNEY


KNOW ALL MEN by these presents, that Steven E. Fass does hereby make, constitute
and appoint Raymond Barrette and John D. Gillespie, and each of them, as true
and lawful attorney-in-fact and agent of the undersigned, with full power of
substitution, resubstitution and revocation, for and in the name, place and
stead of the undersigned, to execute and deliver the Annual Report on Form 10-K,
and any and all amendments thereto; such Form 10-K and each such amendment to be
in such form and to contain such terms and provisions as said attorney or
substitute shall deem necessary or desirable; giving and granting unto said
attorney, or to such person or persons as in any case may be appointed pursuant
to the power of substitution herein given, full power and authority to do and
perform any and every act and thing whatsoever requisite, necessary or, in the
opinion of said attorney or substitute, able to be done in and about the
premises as fully and to all intents and purposes as the undersigned might or
could do if personally present, hereby ratifying and confirming all that said
attorney or such substitute shall lawfully do or cause to be done by virtue
hereof.

IN WITNESS WHEREOF, the undersigned has duly executed these presents this 27th
day of February 2003.




/s/ Steven E. Fass




                      WHITE MOUNTAINS INSURANCE GROUP, LTD.
                                POWER OF ATTORNEY


KNOW ALL MEN by these presents, that George J. Gillespie, III does hereby make,
constitute and appoint Raymond Barrette and John D. Gillespie, and each of them,
as true and lawful attorney-in-fact and agent of the undersigned, with full
power of substitution, resubstitution and revocation, for and in the name, place
and stead of the undersigned, to execute and deliver the Annual Report on Form
10-K, and any and all amendments thereto; such Form 10-K and each such amendment
to be in such form and to contain such terms and provisions as said attorney or
substitute shall deem necessary or desirable; giving and granting unto said
attorney, or to such person or persons as in any case may be appointed pursuant
to the power of substitution herein given, full power and authority to do and
perform any and every act and thing whatsoever requisite, necessary or, in the
opinion of said attorney or substitute, able to be done in and about the
premises as fully and to all intents and purposes as the undersigned might or
could do if personally present, hereby ratifying and confirming all that said
attorney or such substitute shall lawfully do or cause to be done by virtue
hereof.

IN WITNESS WHEREOF, the undersigned has duly executed these presents this 27th
day of February 2003.



/s/ George J. Gillespie, III




                      WHITE MOUNTAINS INSURANCE GROUP, LTD.
                                POWER OF ATTORNEY


KNOW ALL MEN by these presents, that John D. Gillespie does hereby make,
constitute and appoint Raymond Barrette and John D. Gillespie, and each of them,
as true and lawful attorney-in-fact and agent of the undersigned, with full
power of substitution, resubstitution and revocation, for and in the name, place
and stead of the undersigned, to execute and deliver the Annual Report on Form
10-K, and any and all amendments thereto; such Form 10-K and each such amendment
to be in such form and to contain such terms and provisions as said attorney or
substitute shall deem necessary or desirable; giving and granting unto said
attorney, or to such person or persons as in any case may be appointed pursuant
to the power of substitution herein given, full power and authority to do and
perform any and every act and thing whatsoever requisite, necessary or, in the
opinion of said attorney or substitute, able to be done in and about the
premises as fully and to all intents and purposes as the undersigned might or
could do if personally present, hereby ratifying and confirming all that said
attorney or such substitute shall lawfully do or cause to be done by virtue
hereof.

IN WITNESS WHEREOF, the undersigned has duly executed these presents this 27th
day of February 2003.


/s/ John D. Gillespie




                      WHITE MOUNTAINS INSURANCE GROUP, LTD.
                                POWER OF ATTORNEY


KNOW ALL MEN by these presents, that John D. Gillespie does hereby make,
constitute and appoint Raymond Barrette as true and lawful attorney-in-fact and
agent of the undersigned, with full power of substitution, resubstitution and
revocation, for and in the name, place and stead of the undersigned, to execute
and deliver the Annual Report on Form 10-K, and any and all amendments thereto;
such Form 10-K and each such amendment to be in such form and to contain such
terms and provisions as said attorney or substitute shall deem necessary or
desirable; giving and granting unto said attorney, or to such person or persons
as in any case may be appointed pursuant to the power of substitution herein
given, full power and authority to do and perform any and every act and thing
whatsoever requisite, necessary or, in the opinion of said attorney or
substitute, able to be done in and about the premises as fully and to all
intents and purposes as the undersigned might or could do if personally present,
hereby ratifying and confirming all that said attorney or such substitute shall
lawfully do or cause to be done by virtue hereof.

IN WITNESS WHEREOF, the undersigned has duly executed these presents this 27th
day of February 2003.




/s/ K. Thomas Kemp




                      WHITE MOUNTAINS INSURANCE GROUP, LTD.
                                POWER OF ATTORNEY


KNOW ALL MEN by these presents, that Frank A. Olson does hereby make, constitute
and appoint Raymond Barrette and John D. Gillespie, and each of them, as true
and lawful attorney-in-fact and agent of the undersigned, with full power of
substitution, resubstitution and revocation, for and in the name, place and
stead of the undersigned, to execute and deliver the Annual Report on Form 10-K,
and any and all amendments thereto; such Form 10-K and each such amendment to be
in such form and to contain such terms and provisions as said attorney or
substitute shall deem necessary or desirable; giving and granting unto said
attorney, or to such person or persons as in any case may be appointed pursuant
to the power of substitution herein given, full power and authority to do and
perform any and every act and thing whatsoever requisite, necessary or, in the
opinion of said attorney or substitute, able to be done in and about the
premises as fully and to all intents and purposes as the undersigned might or
could do if personally present, hereby ratifying and confirming all that said
attorney or such substitute shall lawfully do or cause to be done by virtue
hereof.

IN WITNESS WHEREOF, the undersigned has duly executed these presents this 27th
day of February 2003.




/s/ Gordon S. Macklin




WHITE MOUNTAINS INSURANCE GROUP, LTD.
                                POWER OF ATTORNEY


KNOW ALL MEN by these presents, that Frank A. Olson does hereby make, constitute
and appoint Raymond Barrette and John D. Gillespie, and each of them, as true
and lawful attorney-in-fact and agent of the undersigned, with full power of
substitution, resubstitution and revocation, for and in the name, place and
stead of the undersigned, to execute and deliver the Annual Report on Form 10-K,
and any and all amendments thereto; such Form 10-K and each such amendment to be
in such form and to contain such terms and provisions as said attorney or
substitute shall deem necessary or desirable; giving and granting unto said
attorney, or to such person or persons as in any case may be appointed pursuant
to the power of substitution herein given, full power and authority to do and
perform any and every act and thing whatsoever requisite, necessary or, in the
opinion of said attorney or substitute, able to be done in and about the
premises as fully and to all intents and purposes as the undersigned might or
could do if personally present, hereby ratifying and confirming all that said
attorney or such substitute shall lawfully do or cause to be done by virtue
hereof.

IN WITNESS WHEREOF, the undersigned has duly executed these presents this 27th
day of February 2003.




/s/ Frank A. Olson




                      WHITE MOUNTAINS INSURANCE GROUP, LTD.
                                POWER OF ATTORNEY


KNOW ALL MEN by these presents, that Joseph S. Steinberg does hereby make,
constitute and appoint Raymond Barrette and John D. Gillespie, and each of them,
as true and lawful attorney-in-fact and agent of the undersigned, with full
power of substitution, resubstitution and revocation, for and in the name, place
and stead of the undersigned, to execute and deliver the Annual Report on Form
10-K, and any and all amendments thereto; such Form 10-K and each such amendment
to be in such form and to contain such terms and provisions as said attorney or
substitute shall deem necessary or desirable; giving and granting unto said
attorney, or to such person or persons as in any case may be appointed pursuant
to the power of substitution herein given, full power and authority to do and
perform any and every act and thing whatsoever requisite, necessary or, in the
opinion of said attorney or substitute, able to be done in and about the
premises as fully and to all intents and purposes as the undersigned might or
could do if personally present, hereby ratifying and confirming all that said
attorney or such substitute shall lawfully do or cause to be done by virtue
hereof.

IN WITNESS WHEREOF, the undersigned has duly executed these presents this 27th
day of February 2003.



/s/ Joseph S. Steinberg




                      WHITE MOUNTAINS INSURANCE GROUP, LTD.
                                POWER OF ATTORNEY


KNOW ALL MEN by these presents, that Arthur Zankel does hereby make, constitute
and appoint Raymond Barrette and John D. Gillespie, and each of them, as true
and lawful attorney-in-fact and agent of the undersigned, with full power of
substitution, resubstitution and revocation, for and in the name, place and
stead of the undersigned, to execute and deliver the Annual Report on Form 10-K,
and any and all amendments thereto; such Form 10-K and each such amendment to be
in such form and to contain such terms and provisions as said attorney or
substitute shall deem necessary or desirable; giving and granting unto said
attorney, or to such person or persons as in any case may be appointed pursuant
to the power of substitution herein given, full power and authority to do and
perform any and every act and thing whatsoever requisite, necessary or, in the
opinion of said attorney or substitute, able to be done in and about the
premises as fully and to all intents and purposes as the undersigned might or
could do if personally present, hereby ratifying and confirming all that said
attorney or such substitute shall lawfully do or cause to be done by virtue
hereof.

IN WITNESS WHEREOF, the undersigned has duly executed these presents this 27th
day of February 2003.



/s/ Arthur Zankel