Siam Park City says flood damage is about 300 million baht and lost peak-season income, but its 195 million baht property policy may pay only about 5 million baht per flood event under its flood cover. The insurer is assessing damage now and talks on the limit are ongoing. For a small business: read your policy's flood sub-limit and whether business interruption is covered, and do not assume the total sum insured applies to a flood.