Mr. Lawrence Owens:

The Deputy asks a good question. Many of the businesses in question are very resilient and deal with the issue as best they can. Business owners continue to trade because their business is their livelihood. There is a considerable degree of resilience among individuals as opposed to premises. However, there is no question that another flood similar to those experienced in 2009 or 2014 would wipe out a number of businesses. They may have had flood insurance on the previous occasion but no longer have it and will decide, therefore, that it is no longer worthwhile to continue in business.