HOLOMUA Volume 26 Issue 4

Looking Ahead: FICOH’s 2025 Business Plan

Each year, FICOH works with Tokio Marine to finalize our Business Plan for the year. What underwriting, claims and pricing actions are we planning to take? Where are we in the P&C market cycle? These are just a few questions we ask ourselves while also considering the expectations included in Tokio Marine’s financial plan.

2025: Continuing the Momentum Looking ahead, we expect these positive trends to continue. Our 2025 Business Plan targets a 99.5% Combined Ratio, an impressive milestone given the challenges we’ve overcome post -wildfire. While we are well-positioned to achieve our goals, external risks — such as severe weather events and large losses — remain factors beyond our control.

A Strong 2024 Sets the Stage for 2025 2024 was a strong year for FICOH. A hard market, approved rate increases, and high renewal retention fueled growth in both Gross Written Premium (GWP) and new business. On the profitability front, securing much-needed rate adjustments and managing expenses — including through our partnership with WNS — helped strengthen our bottom line.

For a detailed look at our 2025 financial goals compared to our 2024 actual performance and plan, click the button below.

Note: Our 2025 Business Plan is subject to change.

ACH Auto Pay Giveaway Sweepstakes – Enter Now!

FICOH’s ACH Auto Pay contest for customers is happening now! Three lucky FICOH policyholders will win a $100 gift card each month by signing up for a qualifying ACH Auto Pay plan between now and June 14, 2025. Click here for details.

Why switch to ACH Auto Pay? • Never miss a due date • Avoid coverage lapses • Lower installment fees

Plus, it helps FICOH streamline billing and reduce manual processes.

Great news: Associates with FICOH policies are eligible to win!

Sign up today: • Visit ficoh.com and click “Pay Online / Log In.” • Log into or create your My Policy account. • Go to Billing, select your policy, and click “Manage Payments.” • Set up ACH Auto Pay — no fees, no hassle, just convenience!