The Thai General Insurance Association has named 11 insurers taking part in a catastrophe insurance scheme for homes. It covers flood, storm and earthquake damage in areas the government declares disaster zones, with a 150 million... no: a total cover cap of 75 billion baht a year across about 30 million homes. Payouts go up to 100,000 baht per house based on actual damage, with 10,000 baht paid up front. For a small business, this matters if you own or rent a home or shophouse you live in, or if your staff's homes are in declared disaster areas. Check with your insurer which policies are covered and whether your area qualifies.