{"id":19883,"date":"2024-09-20T13:27:37","date_gmt":"2024-09-20T18:27:37","guid":{"rendered":"https:\/\/bolttech.io\/insights\/%e3%83%91%e3%83%b3%e3%83%87%e3%83%9f%e3%83%83%e3%82%af%e3%83%bb%e3%83%97%e3%83%ad%e3%83%86%e3%82%af%e3%82%b7%e3%83%a7%e3%83%b3%e3%81%a8pc%e4%bf%9d%e9%99%ba%e3%81%ae%e6%9c%aa%e6%9d%a5\/"},"modified":"2024-09-20T13:27:43","modified_gmt":"2024-09-20T18:27:43","slug":"%e3%83%91%e3%83%b3%e3%83%87%e3%83%9f%e3%83%83%e3%82%af%e3%83%bb%e3%83%97%e3%83%ad%e3%83%86%e3%82%af%e3%82%b7%e3%83%a7%e3%83%b3%e3%81%a8pc%e4%bf%9d%e9%99%ba%e3%81%ae%e6%9c%aa%e6%9d%a5","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/ja\/insights\/%e3%83%91%e3%83%b3%e3%83%87%e3%83%9f%e3%83%83%e3%82%af%e3%83%bb%e3%83%97%e3%83%ad%e3%83%86%e3%82%af%e3%82%b7%e3%83%a7%e3%83%b3%e3%81%a8pc%e4%bf%9d%e9%99%ba%e3%81%ae%e6%9c%aa%e6%9d%a5\/","title":{"rendered":"\u30d1\u30f3\u30c7\u30df\u30c3\u30af\u30fb\u30d7\u30ed\u30c6\u30af\u30b7\u30e7\u30f3\u3068P&amp;C\u4fdd\u967a\u306e\u672a\u6765"},"content":{"rendered":"\n<p>\u30b3\u30ed\u30ca\u30a6\u30a4\u30eb\u30b9\u306e\u30d1\u30f3\u30c7\u30df\u30c3\u30af\u306f\u3001\u640d\u5bb3\u4fdd\u967a\u4f1a\u793e\u3068\u305d\u306e\u9867\u5ba2\u306b\u591a\u304f\u306e\u7591\u554f\u3092\u6295\u3052\u304b\u3051\u307e\u3057\u305f\u3002\n\u4f01\u696d\u3084\u500b\u4eba\u304c\u4fdd\u967a\u4f1a\u793e\u306b\u52a9\u3051\u3092\u6c42\u3081\u305f\u7d50\u679c\u3001\u4e88\u671f\u305b\u306c\u88dc\u511f\u7bc4\u56f2\u306e\u30ae\u30e3\u30c3\u30d7\u3001\u4e0d\u660e\u77ad\u306a\u8868\u73fe\u3001\u305d\u306e\u4ed6\u306e\u554f\u984c\u304c\u660e\u3089\u304b\u306b\u306a\u308a\u307e\u3057\u305f\u3002 <\/p>\n\n<p>\u30d1\u30f3\u30c7\u30df\u30c3\u30af\u304c\u7d9a\u304f\u4e2d\u3001\u4fdd\u967a\u4f1a\u793e\u3068\u9867\u5ba2\u306f\u3001COVID-19\u95a2\u9023\u306e\u72b6\u6cc1\u306b\u3055\u307e\u3056\u307e\u306a\u88dc\u511f\u3092\u9069\u7528\u3059\u3079\u304d\u304b\u3069\u3046\u304b\u3001\u3044\u3064\u3001\u3069\u306e\u3088\u3046\u306b\u9069\u7528\u3059\u3079\u304d\u304b\u3068\u3044\u3046\u554f\u984c\u306b\u5f15\u304d\u7d9a\u304d\u53d6\u308a\u7d44\u3093\u3067\u3044\u307e\u3059\u3002\nCOVID\u5f8c\u306e\u4e16\u754c\u3067\u306f\u3001 <a href=\"https:\/\/www.boltinc.com\/insights\/blogs\/commercial-reinsurance-ecosystem?__hstc=103362207.8432e18fe1b4e270bd8d783f6794e506.1724072077526.1724252449792.1724256511253.9&amp;__hssc=103362207.30.1725204964040&amp;__hsfp=3405490495\" target=\"_blank\" rel=\"noreferrer noopener\">\u30d1\u30f3\u30c7\u30df\u30c3\u30af\u5bfe\u7b56<\/a> \u306fCOVID-19\u4ee5\u524d\u3068\u306f\u5168\u304f\u7570\u306a\u308b\u3082\u306e\u306b\u306a\u308b\u3067\u3057\u3087\u3046\u3002 <\/p>\n\n<h2 class=\"wp-block-heading\">COVID-19\u306f\u30ab\u30d0\u30ec\u30c3\u30b8\u306e\u30ae\u30e3\u30c3\u30d7\u3092\u6d6e\u304d\u5f6b\u308a\u306b\u3057\u307e\u3059<\/h2>\n\n<p>COVID-19 \u306b\u3088\u308a\u5168\u7c73\u306e\u30d3\u30b8\u30cd\u30b9\u304c\u9589\u9396\u3055\u308c\u305f\u305f\u3081\u3001\u3053\u308c\u3089\u306e\u30d3\u30b8\u30cd\u30b9\u306f\u640d\u5bb3\u4fdd\u967a\u4f1a\u793e\u306b\u52a9\u3051\u3092\u6c42\u3081\u307e\u3057\u305f\u3002\n\u305d\u306e\u7d50\u679c\u3001\u4f01\u696d\u3068\u4fdd\u967a\u4f1a\u793e\u306e\u4e21\u65b9\u304c\u3001\u591a\u304f\u306e\u4fdd\u967a\u5951\u7d04\u304c\u3001COVID-19\u3092\u4e8b\u696d\u4e2d\u65ad\u306e\u4e00\u5f62\u614b\u3068\u3057\u3066\u88dc\u511f\u7bc4\u56f2\u304b\u3089\u660e\u78ba\u306b\u9664\u5916\u3059\u308b\u65b9\u6cd5\u3067\u4f5c\u6210\u3055\u308c\u3066\u3044\u308b\u3053\u3068\u3092\u767a\u898b\u3057\u307e\u3057\u305f\u3002 <\/p>\n\n<p>\u3053\u308c\u306f\u3001\u307b\u3068\u3093\u3069\u306e\u5546\u696d\u4fdd\u967a\u306e\u4e8b\u696d\u4e2d\u65ad\u88dc\u511f\u3067\u306f\u3001\u88dc\u511f\u304c\u9069\u7528\u3055\u308c\u308b\u305f\u3081\u306b\u306f\u3001\u4f55\u3089\u304b\u306e\u5f62\u306e\u7269\u7406\u7684\u640d\u5bb3\u304c\u767a\u751f\u3059\u308b\u5fc5\u8981\u304c\u3042\u3063\u305f\u305f\u3081\u3067\u3059\u3002\nCOVID-19\u306f\u77ed\u6642\u9593\u3067\u8868\u9762\u306b\u611f\u67d3\u3059\u308b\u53ef\u80fd\u6027\u304c\u3042\u308a\u307e\u3059\u304c\u3001\u305d\u306e\u5f8c\u30a6\u30a4\u30eb\u30b9\u306f\u6b7b\u6ec5\u3057\u3001\u5efa\u7269\u3084\u5efa\u7269\u5185\u306e\u8ca1\u7523\u306b\u7269\u7406\u7684\u306a\u640d\u5bb3\u3092\u4e0e\u3048\u308b\u3053\u3068\u306f\u3042\u308a\u307e\u305b\u3093\u3002\n\u30a6\u30a4\u30eb\u30b9\u306f\u78ba\u304b\u306b\u4e8b\u696d\u306e\u904b\u55b6\u3092\u4e2d\u65ad\u3057\u307e\u3057\u305f\u304c\u3001\u4e8b\u696d\u8ca1\u7523\u306b\u6c38\u7d9a\u7684\u306a\u7269\u7406\u7684\u640d\u5bb3\u3092\u4e0e\u3048\u308b\u3068\u3044\u3046\u5f62\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3067\u3057\u305f\u3002  <\/p>\n\n<p>\u4f01\u696d\u3082\u4fdd\u967a\u4f1a\u793e\u3082\u76f4\u63a5\u306e\u8cac\u4efb\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\n\u300c\u4fdd\u967a\u4f1a\u793e\u304c\u5171\u8b00\u3057\u3066\u88dc\u511f\u3092\u514d\u9664\u3057\u305f\u308f\u3051\u3067\u3082\u3001\u88ab\u4fdd\u967a\u8005\u304c\u305d\u308c\u3092\u898b\u843d\u3068\u3057\u305f\u308f\u3051\u3067\u3082\u3042\u308a\u307e\u305b\u3093\u3002\u3053\u308c\u306f\u3001\u30a2\u30a6\u30c8\u30d6\u30ec\u30a4\u30af\u306e\u6f5c\u5728\u7684\u306a\u6df1\u3055\u3068\u5e83\u3055\u306b\u57fa\u3065\u3044\u3066\u5f15\u304d\u53d7\u3051\u308b\u306e\u304c\u56f0\u96e3\u306a\u30ea\u30b9\u30af\u306b\u3059\u304e\u307e\u305b\u3093\u300d\u3068\u3001\u5efa\u7bc9\u304a\u3088\u3073\u30a4\u30f3\u30b7\u30e5\u30a2\u30c6\u30c3\u30af\u30b3\u30f3\u30b5\u30eb\u30bf\u30f3\u30c8\u306e <a href=\"https:\/\/www.propertycasualty360.com\/2020\/03\/24\/consider-insurance-during-and-after-covid-19-before-its-over\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u30d1\u30c8\u30ea\u30c3\u30af\u30fb\u30b1\u30e9\u30cf\u30f3<\/a>\u6c0f\u306f\u8ff0\u3079\u3001\u305d\u306e\u3088\u3046\u306a\u8acb\u6c42\u304c\u30ab\u30d0\u30fc\u3055\u308c\u3066\u3044\u308c\u3070\u3001\u4e16\u754c\u4e2d\u30671\u5146\u30c9\u30eb\u3092\u8d85\u3048\u3066\u3044\u305f\u53ef\u80fd\u6027\u304c\u3042\u308b\u3068\u6307\u6458\u3057\u3066\u3044\u307e\u3059\u3002 <\/p>\n\n<p>\u7121\u5f62\u306e\u88ab\u5bb3\u3092\u8a31\u5bb9\u3059\u308b\u653f\u7b56\u3067\u3042\u3063\u3066\u3082\u3001\u30a6\u30a4\u30eb\u30b9\u306e\u6d41\u884c\u306b\u95a2\u3057\u3066\u306f\u30ae\u30e3\u30c3\u30d7\u304c\u751f\u3058\u308b\u53ef\u80fd\u6027\u304c\u3042\u308a\u307e\u3059\u3002\n\u305f\u3068\u3048\u3070\u30012002\u5e74\u304b\u30892003\u5e74\u306b\u304b\u3051\u3066\u306eSARS\u306e\u6d41\u884c\u5f8c\u3001\u591a\u304f\u306e\u30dd\u30ea\u30b7\u30fc\u304c\u66f8\u304d\u76f4\u3055\u308c\u3001\u30a6\u30a4\u30eb\u30b9\u3084\u30d0\u30af\u30c6\u30ea\u30a2\u3001\u3042\u308b\u3044\u306f\u305d\u306e\u4e21\u65b9\u3092\u5bfe\u8c61\u3068\u3059\u308b\u3053\u3068\u304c\u660e\u78ba\u306b\u9664\u5916\u3055\u308c\u307e\u3057\u305f\u3002 <\/p>\n\n<p>\u4e00\u90e8\u306eP&amp;C\u4fdd\u967a\u4f1a\u793e\u306f\u30a6\u30a4\u30eb\u30b9\u3084\u7d30\u83cc\u306e\u611f\u67d3\u3092\u63a8\u5968\u3057\u3066\u3044\u307e\u3057\u305f\u304c\u3001\u30d1\u30f3\u30c7\u30df\u30c3\u30af\u524d\u306b\u305d\u308c\u3089\u306b\u6295\u8cc7\u3059\u308b\u3053\u3068\u3092\u9078\u629e\u3057\u305f\u4f01\u696d\u306f\u307b\u3068\u3093\u3069\u306a\u304b\u3063\u305f\u3068\u3001 <a href=\"https:\/\/www.spglobal.com\/ratings\/en\/research\/articles\/200427-credit-faq-how-covid-19-risks-factor-into-u-s-property-casualty-ratings-11454312\" target=\"_blank\" rel=\"noreferrer noopener\">\u30ed\u30fc\u30ec\u30f3\u30b9\u30fbA\u30fb\u30a6\u30a3\u30eb\u30ad\u30f3\u30bd\u30f3<\/a> \u6c0f\u3068S&amp;P Global\u306e\u4ef2\u9593\u306e\u5bc4\u7a3f\u8005\u306f\u8ff0\u3079\u3066\u3044\u307e\u3059\u3002\nCOVID-19\u304c\u767a\u751f\u3057\u305f\u3068\u304d\u3001\u591a\u304f\u306e\u4f01\u696d\u306f\u30d1\u30f3\u30c7\u30df\u30c3\u30af\u95a2\u9023\u306e\u640d\u5931\u306b\u5bfe\u51e6\u3059\u308b\u306e\u306b\u5f79\u7acb\u3064\u88dc\u511f\u3092\u53d7\u3051\u3089\u308c\u307e\u305b\u3093\u3067\u3057\u305f\u3002 <\/p>\n\n<figure class=\"wp-block-image aligncenter size-large\"><img decoding=\"async\" src=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/domino-effect-1024x682.jpg\" alt=\"\" class=\"wp-image-9032\"\/><\/figure>\n\n<h2 class=\"wp-block-heading\">COVID-19\u306e\u88dc\u511f\u7bc4\u56f2\u306b\u95a2\u3059\u308b\u672a\u56de\u7b54\u306e\u8cea\u554f<\/h2>\n\n<p>\u4fdd\u967a\u306e\u9069\u7528\u7bc4\u56f2\u306b\u95a2\u3059\u308b\u8cea\u554f\u306f\u3001\u7acb\u6cd5\u5e9c\u3084\u88c1\u5224\u6240\u306a\u3069\u306e\u6cd5\u7684\u306a\u5834\u3067\u56de\u7b54\u3055\u308c\u308b\u3053\u3068\u304c\u3088\u304f\u3042\u308a\u307e\u3059\u3002\n\u4fdd\u967a\u5951\u7d04\u306e\u6587\u8a00\u306b\u95a2\u3059\u308b\u4ed6\u306e\u554f\u984c\u3068\u540c\u69d8\u306b\u3001COVID-19\u306e\u4e8b\u696d\u4e2d\u65ad\u3084\u305d\u306e\u4ed6\u306e\u88dc\u511f\u7bc4\u56f2\u306b\u95a2\u3059\u308b\u7d1b\u4e89\u306f\u3001\u591a\u304f\u306e\u5834\u5408\u3001\u5f53\u4e8b\u8005\u304c\u6cd5\u5ef7\u306b\u6301\u3061\u8fbc\u307e\u308c\u307e\u3059\u3002\n\u4e00\u65b9\u3001\u88c1\u5224\u6240\u3068\u7acb\u6cd5\u5e9c\u306f\u3001\u7b54\u3048\u3088\u308a\u3082\u591a\u304f\u306e\u7591\u554f\u3092\u63d0\u8d77\u3059\u308b\u77db\u76fe\u3059\u308b\u7d50\u8ad6\u306b\u9054\u3059\u308b\u53ef\u80fd\u6027\u304c\u3042\u308a\u307e\u3059\u3002  <\/p>\n\n<h3 class=\"wp-block-heading\">\u88c1\u5224\u6240\u3067\u306eCOVID-19\u4fdd\u967a\u4e8b\u4ef6<\/h3>\n\n<p>COVID-19\u3092\u6838\u3068\u3059\u308b\u4fdd\u967a\u9069\u7528\u7bc4\u56f2\u306e\u7d1b\u4e89\u306f\u3001\u5168\u7c73\u306e\u5dde\u88c1\u5224\u6240\u304a\u3088\u3073\u9023\u90a6\u88c1\u5224\u6240\u306b\u307e\u3067\u53ca\u3093\u3067\u304a\u308a\u3001\u3055\u3089\u306b\u591a\u304f\u306e\u8a34\u8a1f\u304c\u63d0\u8d77\u3055\u308c\u308b\u3068\u4e88\u60f3\u3055\u308c\u307e\u3059\u3002\n\u3053\u306e\u3088\u3046\u306a\u30b1\u30fc\u30b9\u306e\u591a\u304f\u306f\u3001\u4e8b\u696d\u4e2d\u65ad\u88dc\u511f\u306e\u6587\u8a00\u3001\u30a6\u30a4\u30eb\u30b9\u3084\u30d0\u30af\u30c6\u30ea\u30a2\u306e\u9664\u5916\u3001\u3042\u308b\u3044\u306f\u305d\u306e\u4e21\u65b9\u3092\u6271\u3063\u3066\u3044\u307e\u3059\u3002 <\/p>\n\n<p>\u4fdd\u967a\u4f1a\u793e\u306f\u3001\u3053\u308c\u3089\u306e\u8acb\u6c42\u306e\u4e00\u90e8\u306b\u3064\u3044\u3066\u3059\u3067\u306b\u88c1\u5224\u6240\u3067\u52dd\u8a34\u3057\u3066\u3044\u307e\u3059\u3002\n\u4f8b\u3048\u3070\u30012020\u5e747\u6708\u3001\u30df\u30b7\u30ac\u30f3\u5dde\u306e\u88c1\u5224\u6240\u306f\u3001\u30df\u30b7\u30ac\u30f3\u5dde\u306e\u30ec\u30b9\u30c8\u30e9\u30f3\u306e\u55b6\u696d\u4e2d\u65ad\u88dc\u511f\u306f\u9069\u7528\u3055\u308c\u306a\u3044 <a href=\"https:\/\/www.insurancejournal.com\/news\/national\/2020\/07\/07\/574497.htm\" target=\"_blank\" rel=\"noreferrer noopener\">\u3068\u88c1\u5b9a\u3057\u307e\u3057\u305f<\/a> \u3002 <\/p>\n\n<p>\u3057\u304b\u3057\u3001COVID-19\u304c\u5177\u4f53\u7684\u306a\u640d\u5bb3\u3092\u6b8b\u3057\u305f\u3068\u3057\u3066\u3082\u3001\u88c1\u5224\u6240\u306f\u3001\u30a6\u30a4\u30eb\u30b9\u611f\u67d3\u3092\u9664\u5916\u3059\u308b\u7279\u5b9a\u306e\u6587\u8a00\u304c\u542b\u307e\u308c\u3066\u3044\u305f\u305f\u3081\u3001\u30ec\u30b9\u30c8\u30e9\u30f3\u306e\u4fdd\u967a\u5951\u7d04\u306f\u30ec\u30b9\u30c8\u30e9\u30f3\u306e\u8acb\u6c42\u3092\u30ab\u30d0\u30fc\u3057\u306a\u304b\u3063\u305f\u3068\u3082\u5224\u65ad\u3057\u307e\u3057\u305f\u3002<\/p>\n\n<p>\u3053\u306e\u8a34\u8a1f\u306f\u3001Gavrilides Management Co. et al. v. Michigan Insurance Co.\u4e8b\u4ef6\u3067\u3001\u4e8b\u696d\u4e2d\u65ad\u4fdd\u967a\u3068\u30a6\u30a4\u30eb\u30b9\u306e\u9664\u5916\u306b\u95a2\u3059\u308b\u5c11\u306a\u304f\u3068\u30821\u3064\u306e <a href=\"https:\/\/www.businessinsurance.com\/article\/20200904\/NEWS06\/912336481\" target=\"_blank\" rel=\"noreferrer noopener\">\u9023\u90a6\u8a34\u8a1f<\/a> \u3067\u3059\u3067\u306b\u5f15\u7528\u3055\u308c\u3066\u3044\u307e\u3059\u3002\n\u30d5\u30ed\u30ea\u30c0\u5dde\u3068\u30ab\u30ea\u30d5\u30a9\u30eb\u30cb\u30a2\u5dde\u306e\u88c1\u5224\u6240\u3082\u540c\u69d8\u306e\u4e8b\u4ef6\u3067\u540c\u69d8\u306e\u5224\u6c7a\u3092\u4e0b\u3057\u3066\u3044\u308b\u3068\u3001Business Insurance\u306e <a href=\"https:\/\/www.businessinsurance.com\/article\/20200903\/NEWS06\/912336459\/Virus-exclusion-holds-up-in-COVID-19-coverage-case-Mauricio-Martinez-v-Allied-I#\" target=\"_blank\" rel=\"noreferrer noopener\">Gavin Souter<\/a> \u306f\u66f8\u3044\u3066\u3044\u307e\u3059\u3002 <\/p>\n\n<p>\u3057\u304b\u3057\u3001\u305d\u306e\u3088\u3046\u306a\u30b1\u30fc\u30b9\u306e\u3059\u3079\u3066\u304c\u4fdd\u967a\u4f1a\u793e\u306b\u6709\u5229\u306b\u6c7a\u5b9a\u3055\u308c\u3066\u3044\u308b\u308f\u3051\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002Studio 417, Inc. et al. v.\u30df\u30ba\u30fc\u30ea\u5dde\u897f\u90e8\u5730\u533a\u306e\u9023\u90a6\u5730\u65b9\u88c1\u5224\u6240\u5224\u4e8b\u3067\u3042\u308b\u30b7\u30f3\u30b7\u30ca\u30c6\u30a3\u30fb\u30a4\u30f3\u30b9\u30fb\u30b3\u30f3\u30d7\u306f\u3001\u4fdd\u967a\u4f1a\u793e\u306e\u5374\u4e0b\u7533\u7acb\u3092\u5374\u4e0b\u3057\u307e\u3057\u305f\u3002\u88c1\u5224\u6240\u306f\u3001COVID-19\u304c\u30d8\u30a2\u30b5\u30ed\u30f3\u3067\u3042\u308b\u30b9\u30bf\u30b8\u30aa417\u306b\u7269\u7406\u7684\u306b\u5b58\u5728\u3057\u3001\u305d\u306e\u7269\u7406\u7684\u5b58\u5728\u304c\u30b5\u30ed\u30f3\u306e\u30d3\u30b8\u30cd\u30b9\u3092\u6df7\u4e71\u3055\u305b\u305f\u3068\u3044\u3046\u4e8b\u5b9f\u304c\u3001\u8a34\u8a1f\u3092\u9032\u3081\u308b\u306e\u306b\u5341\u5206\u306a\u6839\u62e0\u3092\u63d0\u4f9b\u3057\u305f\u3068\u5224\u65ad\u3057\u307e\u3057\u305f\u3002<\/p>\n\n<p>\u300c\u88c1\u5224\u6240\u306f\u3001\u88dc\u511f\u7bc4\u56f2\u306e\u30c8\u30ea\u30ac\u30fc\u306f\u7269\u7406\u7684\u306a\u640d\u5931 <em>\u307e\u305f\u306f<\/em> \u640d\u5bb3\u3067\u3042\u308a\u3001\u305d\u308c\u306f\u300c\u4e21\u65b9\u306e\u7528\u8a9e\u306b\u610f\u5473\u3092\u6301\u305f\u306a\u3051\u308c\u3070\u306a\u3089\u306a\u3044\u300d\u3068\u63a8\u8ad6\u3057\u307e\u3057\u305f\u3002\u30b7\u30f3\u30b7\u30ca\u30c6\u30a3\u306e\u4e3b\u5f35\u3092\u63a1\u7528\u3059\u308b\u3053\u3068\u306f\u3001\u7269\u7406\u7684\u306a\u640d\u5931\u3068\u7269\u7406\u7684\u306a\u640d\u5bb3\u3092\u6df7\u540c\u3059\u308b\u3053\u3068\u306b\u306a\u308b\u3001\u3068\u88c1\u5224\u6240\u306f\u5224\u65ad\u3057\u305f\u3001\u3068\u30a2\u30c8\u30e9\u30f3\u30bf\u306e\u6cd5\u5f8b\u4e8b\u52d9\u6240\u30a2\u30fc\u30ca\u30eb\u30fb\u30b4\u30fc\u30eb\u30c7\u30f3\u30fb\u30b0\u30ec\u30b4\u30ea\u30fc\u306e <a href=\"https:\/\/www.americanbar.org\/groups\/litigation\/committees\/real-estate-condemnation-trust\/articles\/2020\/covid-19-studio-417-v-cincinnati-insurance-company\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u30c7\u30d3\u30c3\u30c9\u30fbJ\u30fb\u30de\u30fc\u30df\u30f3\u30ba\u3068\u30ec\u30d9\u30c3\u30ab\u30fb\u30e9\u30f3\u30b9\u30d5\u30a9\u30fc\u30c9\u30fb\u30b3\u30eb\u30d6<\/a> \u306f\u66f8\u3044\u3066\u3044\u308b\u3002<\/p>\n\n<p>Gavrilides\u81ea\u4f53\u3067\u3055\u3048\u3001\u4fdd\u967a\u4f1a\u793e\u304c\u671b\u3080\u3088\u3046\u306a\u30c7\u30a3\u30b9\u30dd\u30b8\u30c6\u30a3\u30d6\u306a\u529b\u3092\u6301\u3063\u3066\u3044\u306a\u3044\u304b\u3082\u3057\u308c\u306a\u3044\u3068\u3001\u30da\u30f3\u30b7\u30eb\u30d9\u30cb\u30a2\u5927\u5b66\u306e <a href=\"https:\/\/www.claimsjournal.com\/news\/national\/2020\/07\/29\/298466.htm\" target=\"_blank\" rel=\"noreferrer noopener\">\u30c8\u30e0\u30fb\u30d9\u30a4\u30ab\u30fc<\/a>\u6559\u6388\u306f\u8b66\u544a\u3059\u308b\u3002<\/p>\n\n<p>\u300c\u3053\u306e\u8a34\u72b6\u306f\u3001\u5efa\u7269\u306e\u300c\u7269\u7406\u7684\u306a\u640d\u5931\u307e\u305f\u306f\u640d\u50b7\u300d\u3092\u4e3b\u5f35\u3059\u308b\u3082\u306e\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3067\u3057\u305f\u3002\u5f7c\u3089\u306f\u5358\u306b\u9589\u9396\u3055\u308c\u305f\u3068\u5606\u9858\u3057\u305f\u3060\u3051\u3060\u3063\u305f\u300d\u3068\u30d9\u30a4\u30ab\u30fc\u306f\u6307\u6458\u3057\u3001\u305d\u308c\u3092\u300c\u539f\u544a\u5074\u306e\u6b20\u9665\u306e\u3042\u308b\u8a34\u3048\u300d\u3068\u547c\u3093\u3060\u3002\n\u305d\u308c\u3067\u3082\u3001\u5358\u7d14\u306a\u9589\u9396\u304c\u640d\u5931\u307e\u305f\u306f\u640d\u5bb3\u306e\u88dc\u511f\u3092\u5f15\u304d\u8d77\u3053\u3055\u306a\u304b\u3063\u305f\u3068\u3044\u3046\u5224\u6c7a\u306f\u3001\u640d\u5931\u307e\u305f\u306f\u640d\u5bb3\u304c\u767a\u751f\u3057\u306a\u304b\u3063\u305f\u3068\u3044\u3046\u5224\u6c7a\u3068\u306f\u7570\u306a\u308a\u3001\u5c06\u6765\u306e\u4e8b\u4ef6\u3067\u88c1\u5224\u5b98\u304c\u76ee\u306e\u524d\u306e\u8acb\u6c42\u3092Gavrilides\u304c\u8a2d\u5b9a\u3057\u305f\u5148\u4f8b\u3068\u533a\u5225\u3059\u308b\u305f\u3081\u306b\u4f7f\u7528\u3059\u308b\u53ef\u80fd\u6027\u306e\u3042\u308b\u4e8b\u5b9f\u3067\u3059\u3002 <\/p>\n\n<h3 class=\"wp-block-heading\">COVID-19\u306e\u5831\u9053\u306b\u5bfe\u3059\u308b\u7acb\u6cd5\u5bfe\u5fdc<\/h3>\n\n<p>\u6700\u521d\u306e\u30a2\u30a6\u30c8\u30d6\u30ec\u30a4\u30af\u306e\u76f4\u5f8c\u306e\u6570\u9031\u9593\u3067\u3001\u3044\u304f\u3064\u304b\u306e\u5dde\u8b70\u4f1a\u306f\u3001COVID-19\u306b\u95a2\u9023\u3059\u308b\u30d3\u30b8\u30cd\u30b9\u4fdd\u967a\u91d1\u306e\u652f\u6255\u3044\u3092P&amp;C\u4fdd\u967a\u4f1a\u793e\u306b\u7fa9\u52d9\u4ed8\u3051\u308b\u6cd5\u6848\u3092\u53ef\u6c7a\u3057\u307e\u3057\u305f\u3002\n\u3053\u308c\u3089\u306e\u6cd5\u6848\u306e\u4e2d\u306b\u306f\u3001\u4fdd\u967a\u4f1a\u793e\u304c\u3053\u308c\u3089\u306e\u8acb\u6c42\u3092\u9061\u53ca\u7684\u306b\u652f\u6255\u3046\u3053\u3068\u3092\u8981\u6c42\u3057\u3088\u3046\u3068\u3055\u3048\u3057\u3066\u3044\u305f\u3082\u306e\u3082\u3042\u308a\u307e\u3059\u3002 <\/p>\n\n<p>\u305d\u306e\u3088\u3046\u306a\u6cd5\u6848\u306e\u3044\u304f\u3064\u304b\u306f\u8b70\u4f1a\u3067\u5426\u6c7a\u3055\u308c\u307e\u3057\u305f\u304c\u3001\u305d\u306e\u8d77\u8349\u3068\u63d0\u51fa\u306fP&amp;C\u4fdd\u967a\u696d\u754c\u306b\u61f8\u5ff5\u3092\u62b1\u304b\u305b\u308b\u306e\u306b\u5341\u5206\u3067\u3057\u305f\u3002\n\u9577\u671f\u306b\u308f\u305f\u308b\u5916\u51fa\u7981\u6b62\u4ee4\u306b\u3088\u308a\u3001\u8ffd\u52a0\u306e\u8acb\u6c42\u304c\u767a\u751f\u3057\u3001\u7c73\u56fd\u304c\u30cf\u30ea\u30b1\u30fc\u30f3\u30b7\u30fc\u30ba\u30f3\u306b\u5165\u3063\u305f\u3070\u304b\u308a\u306e\u9803\u306b\u4fdd\u967a\u696d\u754c\u306e\u6e96\u5099\u91d1\u304c\u5371\u967a\u306a\u30ec\u30d9\u30eb\u306b\u6e1b\u5c11\u3059\u308b\u30ea\u30b9\u30af\u304c\u3042\u3063\u305f\u3068\u3001\u30af\u30e9\u30fc\u30af\u30d2\u30eb\u306e\u4fdd\u967a\u5f01\u8b77\u58eb\u3067\u3042\u308b <a href=\"https:\/\/riskandinsurance.com\/covid-19-coverage-disputes-lets-let-the-courts-decide\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u30ed\u30d0\u30fc\u30c8\u30fb\u30c8\u30df\u30eb\u30bd\u30f3<\/a>\u6c0f\u306f\u66f8\u3044\u3066\u3044\u307e\u3059\u3002 <\/p>\n\n<p>\u300c\u4fdd\u967a\u306f\u975e\u5e38\u306b\u8907\u96d1\u306a\u30d3\u30b8\u30cd\u30b9\u3067\u3042\u308b\u3053\u3068\u3092\u5fd8\u308c\u304c\u3061\u3067\u3059\u3002\u3053\u306e\u696d\u754c\u3067\u306f\u3001\u3055\u307e\u3056\u307e\u306a\u5730\u57df\u3084\u7570\u306a\u308b\u72b6\u6cc1\u3092\u80cc\u666f\u306b\u3001\u4f55\u5343\u3082\u306e\u8077\u696d\u3084\u696d\u754c\u306e\u4f55\u767e\u4e07\u4eba\u3082\u306e\u4eba\u3005\u3084\u4f01\u696d\u306e\u640d\u5bb3\u3001\u7834\u58ca\u3001\u4eba\u547d\u306e\u640d\u5931\u306e\u5c06\u6765\u306e\u983b\u5ea6\u3092\u8a08\u7b97\u3057\u3066\u3044\u307e\u3059\u300d\u3068\u30c8\u30df\u30eb\u30bd\u30f3\u306f\u8ff0\u3079\u3066\u3044\u307e\u3059\u3002\n\u4fdd\u967a\u306e\u8907\u96d1\u306a\u6027\u8cea\u3068\u3001\u30d1\u30f3\u30c7\u30df\u30c3\u30af\u304c\u6570\u304b\u6708\u307e\u305f\u306f\u6570\u5e74\u306b\u308f\u305f\u3063\u3066\u5c55\u958b\u3057\u3066\u3044\u308b\u3068\u3044\u3046\u4e8b\u5b9f\u304c\u76f8\u307e\u3063\u3066\u3001\u591a\u304f\u306e\u7591\u554f\u304c\u672a\u89e3\u6c7a\u306e\u307e\u307e\u6b8b\u3055\u308c\u3066\u3044\u307e\u3059\u3002 <\/p>\n\n<figure class=\"wp-block-image aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"682\" src=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/successful-agreement-1024x682.jpg\" alt=\"\" class=\"wp-image-9022\" srcset=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/successful-agreement-1024x682.jpg 1024w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/successful-agreement-300x200.jpg 300w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/successful-agreement-768x512.jpg 768w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/successful-agreement.jpg 1280w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n<h2 class=\"wp-block-heading\">\u4eca\u5f8c\u306e\u653f\u7b56\u304c\u30d1\u30f3\u30c7\u30df\u30c3\u30af\u306b\u3069\u306e\u3088\u3046\u306b\u5bfe\u51e6\u3067\u304d\u308b\u304b<\/h2>\n\n<p>COVID-19\u4ee5\u524d\u306b\u3001\u30a6\u30a4\u30eb\u30b9\u306e\u30d1\u30f3\u30c7\u30df\u30c3\u30af\u306b\u7279\u5316\u3057\u305f\u8ffd\u52a0\u306e\u4fdd\u967a\u3092\u8cfc\u5165\u3059\u308b\u5148\u898b\u306e\u660e\u3084\u6ce8\u610f\u529b\u3092\u6301\u3063\u3066\u3044\u305f\u4f01\u696d\u306f\u307b\u3068\u3093\u3069\u3042\u308a\u307e\u305b\u3093\u3067\u3057\u305f\u3002\n\u3057\u304b\u3057\u3001\u30d1\u30f3\u30c7\u30df\u30c3\u30af\u306b\u3088\u308b\u5e83\u7bc4\u306a\u6df7\u4e71\u306e\u8a18\u61b6\u306f\u3001\u30a6\u30a4\u30eb\u30b9\u81ea\u4f53\u304c\u5236\u5fa1\u3055\u308c\u305f\u5f8c\u3082\u305a\u3063\u3068\u79c1\u305f\u3061\u306e\u5fc3\u306b\u6b8b\u308a\u307e\u3059\u3002\n\u305d\u3057\u3066\u3001\u305d\u306e\u8a18\u61b6\u304c\u4fdd\u967a\u52a0\u5165\u8005\u306e\u884c\u52d5\u3092\u5909\u3048\u308b\u306e\u3067\u3059\u3002  <\/p>\n\n<p>\u300c\u5371\u6a5f\u306e\u77ed\u671f\u7684\u304a\u3088\u3073\u9577\u671f\u7684\u306a\u884c\u52d5\u7684\u304a\u3088\u3073\u7d4c\u6e08\u7684\u5f71\u97ff\u306f\u3001\u3055\u307e\u3056\u307e\u306aP&amp;C\u30e9\u30a4\u30f3\u306b\u3055\u307e\u3056\u307e\u306a\u5f71\u97ff\u3092\u4e0e\u3048\u308b\u3068\u4e88\u60f3\u3057\u3066\u304a\u308a\u3001\u5168\u4f53\u3068\u3057\u3066\u696d\u754c\u306e\u7d4c\u6e08\u6027\u306b\u6311\u6226\u3059\u308b\u3067\u3057\u3087\u3046\u300d\u3068\u30de\u30c3\u30ad\u30f3\u30bc\u30fc\u306e <a href=\"https:\/\/www.mckinsey.com\/industries\/financial-services\/our-insights\/coronavirus-response-short-and-long-term-actions-for-p-and-c-insurers\" target=\"_blank\" rel=\"noreferrer noopener\">\u30a2\u30ea\u30fb\u30c1\u30a7\u30b9\u30bf\u30fc<\/a> \u3068\u540c\u50da\u306e\u7814\u7a76\u8005\u306f\u66f8\u3044\u3066\u3044\u307e\u3059\u3002<\/p>\n\n<h3 class=\"wp-block-heading\">\u524d\u3092\u5411\u3044\u3066\u3001\u5185\u5411\u304d\u306b<\/h3>\n\n<p>\u4fdd\u967a\u4f1a\u793e\u306b\u3068\u3063\u3066\u3001COVID-19\u306f\u4fdd\u967a\u306e\u5206\u914d\u3068\u8acb\u6c42\u3060\u3051\u3067\u306a\u304f\u3001\u4fdd\u967a\u4f1a\u793e\u306e\u696d\u52d9\u30c1\u30a7\u30fc\u30f3\u5168\u4f53\u3092\u6df7\u4e71\u3055\u305b\u307e\u3057\u305f\u3002\n\u3057\u305f\u304c\u3063\u3066\u3001\u4fdd\u967a\u4f1a\u793e\u306f\u3001\u793e\u5185\u3060\u3051\u3067\u306a\u304f\u3001\u4fdd\u967a\u5951\u7d04\u306e\u7528\u8a9e\u3067\u3082\u30d1\u30f3\u30c7\u30df\u30c3\u30af\u306b\u5bfe\u51e6\u3057\u3066\u3044\u308b\u3053\u3068\u306b\u6c17\u3065\u304d\u307e\u3059\u3002 <\/p>\n\n<p>\u88dc\u511f\u7bc4\u56f2\u3068\u4f1a\u793e\u306e\u6a5f\u80fd\u306e\u4e21\u65b9\u304c\u3001P&amp;C\u4fdd\u967a\u306e\u30ea\u30fc\u30c0\u30fc\u304b\u3089\u306e\u56de\u7b54\u3092\u5fc5\u8981\u3068\u3057\u3066\u3044\u307e\u3059\u3002\n\u305f\u3068\u3048\u3070\u3001\u30c7\u30b8\u30bf\u30eb\u6a5f\u80fd\u3001\u30a4\u30ce\u30d9\u30fc\u30b7\u30e7\u30f3\u3001\u904b\u7528\u52b9\u7387\u3001\u4eba\u5de5\u77e5\u80fd\u306a\u3069\u306e\u9ad8\u5ea6\u306a\u30c7\u30fc\u30bf\u5206\u6790\u30c4\u30fc\u30eb\u306e\u6d3b\u7528\u306b\u91cd\u70b9\u3092\u7f6e\u304f\u3053\u3068\u3067\u3001\u3069\u3061\u3089\u306e\u72b6\u6cc1\u3082\u6069\u6075\u3092\u53d7\u3051\u308b\u53ef\u80fd\u6027\u304c\u3042\u308b\u3068\u3001\u30c7\u30ed\u30a4\u30c8\u306e <a href=\"https:\/\/www2.deloitte.com\/content\/dam\/Deloitte\/us\/Documents\/financial-services\/us-deloitte-property-casualty-insurance-remade-by-covid19.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">\u30dd\u30fc\u30eb\u30fb\u30cd\u30eb\u30bd\u30f3<\/a> \u7814\u7a76\u54e1\u306f\u8ff0\u3079\u3066\u3044\u307e\u3059\u3002 <\/p>\n\n<p>\u4fdd\u967a\u4ee5\u5916\u306e\u30d3\u30b8\u30cd\u30b9\u3082\u3001\u5c06\u6765\u306e\u30d1\u30f3\u30c7\u30df\u30c3\u30af\u306b\u5bfe\u5fdc\u3059\u308b\u305f\u3081\u306b\u7d99\u7d9a\u6027\u8a08\u753b\u3092\u9069\u5fdc\u3055\u305b\u3066\u3044\u307e\u3059\u3002\n\u4fdd\u967a\u4f1a\u793e\u306f\u3001\u4f01\u696d\u3068\u5546\u696d\u4fdd\u967a\u4f1a\u793e\u306e\u4e21\u65b9\u304c\u30d1\u30f3\u30c7\u30df\u30c3\u30af\u306e\u3088\u3046\u306a\u5c06\u6765\u306e\u6df7\u4e71\u306b\u5099\u3048\u3088\u3046\u3068\u3057\u3066\u3044\u308b\u305f\u3081\u3001\u3053\u308c\u3089\u306e\u4e8b\u696d\u7d99\u7d9a\u8a08\u753b\u306b\u95a2\u5fc3\u3092\u6301\u3064\u53ef\u80fd\u6027\u304c\u3042\u308a\u307e\u3059\u3002 <\/p>\n\n<p>\u4fdd\u967a\u4f1a\u793e\u306f\u3001\u30d1\u30f3\u30c7\u30df\u30c3\u30af\u95a2\u9023\u306e\u72b6\u6cc1\u306b\u304a\u3051\u308b\u4fdd\u967a\u5951\u7d04\u306e\u6587\u8a00\u3068\u9069\u7528\u6027\u3092\u5f15\u304d\u7d9a\u304d\u898b\u76f4\u3057\u3066\u3044\u307e\u3059\u3002\nCOVID-19\u306e\u8acb\u6c42\u306b\u5bfe\u3059\u308bP&amp;C\u4fdd\u967a\u306e\u9069\u7528\u7bc4\u56f2\u306b\u95a2\u3059\u308b\u591a\u304f\u306e\u8a34\u8a1f\u304c\u3001\u3055\u307e\u3056\u307e\u306a\u88c1\u5224\u6240\u3067\u4fc2\u4e89\u4e2d\u3067\u3059\u3002\n\u5f7c\u3089\u306e\u7d50\u679c\u306f\u3001\u30ab\u30d0\u30ec\u30c3\u30b8\u306e\u554f\u984c\u306b\u3055\u3089\u306b\u5149\u3092\u5f53\u3066\u308b\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002  <\/p>\n\n<p>\u4eca\u5e74\u3001COVID-19\u306b\u3064\u3044\u3066\u5b66\u3093\u3060\u3053\u3068\u3059\u3079\u3066\u306b\u3082\u304b\u304b\u308f\u3089\u305a\u3001\u591a\u304f\u306e\u7591\u554f\u304c\u672a\u89e3\u6c7a\u306e\u307e\u307e\u3067\u3059\u3002\n\u79d1\u5b66\u7684\u306a\u7814\u7a76\u306b\u3088\u308a\u3088\u308a\u591a\u304f\u306e\u60c5\u5831\u304c\u63d0\u4f9b\u3055\u308c\u3001\u88c1\u5224\u6240\u3084\u7acb\u6cd5\u5e9c\u304c\u4fdd\u967a\u306b\u95a2\u3059\u308b\u61f8\u5ff5\u306b\u53d6\u308a\u7d44\u3080\u3088\u3046\u306b\u306a\u308b\u3068\u3001\u30d1\u30f3\u30c7\u30df\u30c3\u30af\u88dc\u511f\u306b\u5bfe\u3059\u308b\u65b0\u305f\u306a\u30a2\u30d7\u30ed\u30fc\u30c1\u304c\u5177\u4f53\u5316\u3055\u308c\u308b\u53ef\u80fd\u6027\u304c\u9ad8\u3044\u3067\u3057\u3087\u3046\u3002\n\u30d1\u30f3\u30c7\u30df\u30c3\u30af\u5f8c\u306e\u4fdd\u8b77\u306f\u3001\u307b\u307c\u78ba\u5b9f\u306b\u4ee5\u524d\u306e\u3082\u306e\u3068\u306f\u7570\u306a\u308b\u3067\u3057\u3087\u3046\u3002  <\/p>\n\n<p><em>\u753b\u50cf\u63d0\u4f9b:Jakub Jirs\u00e1k\/\u00a9123RF.com\u3001Pattanaphong Khaunkaew\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u30b3\u30ed\u30ca\u30a6\u30a4\u30eb\u30b9\u306e\u30d1\u30f3\u30c7\u30df\u30c3\u30af\u306f\u3001\u640d\u5bb3\u4fdd\u967a\u4f1a\u793e\u3068\u305d\u306e\u9867\u5ba2\u306b\u591a\u304f\u306e\u7591\u554f\u3092\u6295\u3052\u304b\u3051\u307e\u3057\u305f\u3002 \u4f01\u696d\u3084\u500b\u4eba\u304c\u4fdd\u967a\u4f1a\u793e\u306b\u52a9\u3051\u3092\u6c42\u3081\u305f\u7d50\u679c\u3001\u4e88\u671f\u305b\u306c\u88dc\u511f\u7bc4\u56f2\u306e\u30ae\u30e3\u30c3\u30d7\u3001\u4e0d\u660e\u77ad\u306a\u8868\u73fe\u3001\u305d\u306e\u4ed6\u306e\u554f\u984c\u304c\u660e\u3089\u304b\u306b\u306a\u308a\u307e\u3057\u305f\u3002 \u30d1\u30f3\u30c7\u30df\u30c3\u30af\u304c\u7d9a 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