The Office of the Insurance Commission says first-half 2026 premiums reached 492 billion baht (up 4.12%), with non-life premiums at 150 billion baht. Flood claims this year are estimated at 10-11 billion baht, and about 30,000 vehicles have been reported. The regulator says actual losses, including uninsured ones, could be twice as high. For a small business, this is a reason to check whether factory, stock, vehicle and business-interruption cover is in place and current. The government disaster scheme charges 500 baht per household and covers house structure up to 100,000 baht, but excludes air conditioners, movable furniture and appliances.