Viriyah Insurance says non-motor premiums are up about 18% in 2026 and may reach at least THB 6 billion. Home insurance is up about 29% and engineering over 20% after floods, quakes and fires. It has a SME product at THB 1,500 a year covering up to THB 500,000, aimed at small shops and restaurants. Reinsurance costs are rising with disaster losses, so expect insurers to price cautiously. If your shop or premises lacks fire cover, compare this against your current policy. Its health plans now offer co-payment and deductible options that cut premiums by up to about 23% or 64%.