Insurance companies have not penetrated many of the regions that suffered the greatest losses. According to a study by the Insurance Information Institute, expenditures on non-life insurance in 2003 amounted to only 0.83% of GDP in Indonesia, 1.19% of GDP in Thailand, and 0.62% of GDP in India, compared with 5.23% of GDP in the United States.
此次大灾的多数受灾地区都没有保险公司。保险资讯中心（Insurance Information Institute）的一份研究表明，与美国5.23%的比例相比，2003年印度尼西亚财产保险支出仅占全国GDP的0.83%，泰国为1.19%，印度为0.62%。