As the human cost of the Indian Ocean tsunami reaches ever more catastrophic proportions it seems hugely insensitive to talk of its insurance implications. On the other hand, one of the countless tragedies of this disaster is contained in the comparatively minor dent it looks set to make on the worldwide insurance market. The loss of life, injury and destruction of property caused by this natural disaster dwarves that of the World Trade Center terrorist attacks, for example. Yet insurers wil
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