The insurance industry can, and should, respond to the tsunami disaster by accepting the moral imperative to take concerted action to expand risk coverage. To the extent that governments are involved, they can promote better risk management through responsive regulation and even subsidization of experiments with new private insurance products.
保险业可以，也应当，领受道德使命、步调一致采取行动以扩大保险范围，应对海啸。而政府可以做的，是通过制定反应迅速的规章制度，甚至是对新型私人保险产品的试验进行补贴，促进更佳的风险管理。