{"id":20981,"date":"2024-09-30T14:15:31","date_gmt":"2024-09-30T19:15:31","guid":{"rendered":"https:\/\/bolttech.io\/insights\/%e4%bf%9d%e9%99%ba%e3%81%ae%e9%80%8f%e6%98%8e%e6%80%a7pc%e4%bf%9d%e9%99%ba%e4%bc%9a%e7%a4%be%e3%81%8c%e9%a1%a7%e5%ae%a2%e9%96%a2%e4%bf%82%e3%82%92%e6%94%b9%e5%96%84%e3%81%99%e3%82%8b%e3%81%9f\/"},"modified":"2024-09-30T14:15:36","modified_gmt":"2024-09-30T19:15:36","slug":"%e4%bf%9d%e9%99%ba%e3%81%ae%e9%80%8f%e6%98%8e%e6%80%a7pc%e4%bf%9d%e9%99%ba%e4%bc%9a%e7%a4%be%e3%81%8c%e9%a1%a7%e5%ae%a2%e9%96%a2%e4%bf%82%e3%82%92%e6%94%b9%e5%96%84%e3%81%99%e3%82%8b%e3%81%9f","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/ja\/insights\/%e4%bf%9d%e9%99%ba%e3%81%ae%e9%80%8f%e6%98%8e%e6%80%a7pc%e4%bf%9d%e9%99%ba%e4%bc%9a%e7%a4%be%e3%81%8c%e9%a1%a7%e5%ae%a2%e9%96%a2%e4%bf%82%e3%82%92%e6%94%b9%e5%96%84%e3%81%99%e3%82%8b%e3%81%9f\/","title":{"rendered":"\u4fdd\u967a\u306e\u900f\u660e\u6027:P&C\u4fdd\u967a\u4f1a\u793e\u304c\u9867\u5ba2\u95a2\u4fc2\u3092\u6539\u5584\u3059\u308b\u305f\u3081\u306b\u7d30\u5b57\u3092\u7c21\u7d20\u5316\u3059\u308b\u65b9\u6cd5"},"content":{"rendered":"\n

\u4fdd\u967a\u306f\u3001\u30b7\u30f3\u30d7\u30eb\u306a\u30a2\u30ec\u30f3\u30b8\u30e1\u30f3\u30c8\u3092\u63d0\u4f9b\u3059\u308b\u3053\u3068\u3067\u3001\u4f55\u4e16\u7d00\u306b\u3082\u308f\u305f\u3063\u3066\u7e41\u6804\u3057\u3066\u304d\u307e\u3057\u305f\u3002\n\u4fdd\u967a\u5951\u7d04\u8005\u306f\u3001\u7279\u5b9a\u306e\u7a2e\u985e\u306e\u640d\u5931\u304c\u767a\u751f\u3057\u305f\u5834\u5408\u306b\u4fdd\u967a\u4f1a\u793e\u304c\u88dc\u511f\u3059\u308b\u3068\u3044\u3046\u7d04\u675f\u3068\u5f15\u304d\u63db\u3048\u306b\u4fdd\u967a\u6599\u3092\u652f\u6255\u3044\u307e\u3059\u3002 <\/p>\n\n

\u53d6\u308a\u6c7a\u3081\u304c\u6bd4\u8f03\u7684\u7406\u89e3\u3057\u3084\u3059\u3044\u306e\u306b\u3001\u306a\u305c\u3053\u308c\u307b\u3069\u591a\u304f\u306e\u500b\u4eba\u304c\u61d0\u7591\u7684\u307e\u305f\u306f\u5b8c\u5168\u306a\u4e0d\u4fe1\u611f\u3092\u6301\u3063\u3066\u4fdd\u967a\u306b\u53d6\u308a\u7d44\u3080\u306e\u3067\u3057\u3087\u3046\u304b?\n\u4fdd\u967a\u304c\u5236\u5fa1\u4e0d\u80fd\u306a\u4e0d\u78ba\u5b9f\u6027\u306b\u76f4\u9762\u3057\u3066\u3082\u5b89\u5fc3\u3067\u304d\u308b\u306e\u306b\u3001\u306a\u305c\u591a\u304f\u306e\u4eba\u304c\u4fdd\u967a\u4f1a\u793e\u3078\u306e\u9023\u7d61\u3092\u907f\u3051\u305f\u308a\u3001\u4fdd\u967a\u306e\u8cfc\u5165\u3092\u5b8c\u5168\u306b\u907f\u3051\u305f\u308a\u3059\u308b\u306e\u3067\u3057\u3087\u3046\u304b? <\/p>\n\n

\u4fe1\u983c\u306f\u3001\u7279\u306b\u30dd\u30ea\u30b7\u30fc\u304c\u8907\u96d1\u5316\u3059\u308b\u4e2d\u3067\u3001\u4f9d\u7136\u3068\u3057\u3066\u5927\u304d\u306a\u554f\u984c\u3068\u306a\u3063\u3066\u3044\u307e\u3059\u3002\n\u4fdd\u967a\u4f1a\u793e\u306f\u3001\u4fdd\u967a\u5951\u7d04\u306e\u900f\u660e\u6027\u3092\u9ad8\u3081\u308b\u3053\u3068\u3067\u3001\u4fe1\u983c\u3068\u9867\u5ba2\u30ed\u30a4\u30e4\u30eb\u30c6\u30a3\u3092\u7bc9\u304f\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002 <\/p>\n\n

\u9867\u5ba2\u306f\u4fdd\u967a\u4f1a\u793e\u3092\u3069\u306e\u7a0b\u5ea6\u4fe1\u983c\u3057\u3066\u3044\u307e\u3059\u304b?<\/h2>\n\n

\u4fdd\u967a\u4f1a\u793e\u306b\u5bfe\u3059\u308b\u9867\u5ba2\u306e\u4fe1\u983c\u306f\u3001\u30a2\u30f3\u30d3\u30d0\u30ec\u30f3\u30b9\u306e\u7814\u7a76\u3067\u3059\u3002\nYouGov\u306e\u3042\u308b\u8abf\u67fb\u306b\u3088\u308b\u3068\u300155\u6b73\u672a\u6e80\u306e\u56de\u7b54\u8005\u306e\u3046\u3061\u3001\u4fdd\u967a\u4f1a\u793e\u3092\u4fe1\u983c\u3057\u3066\u3044\u308b\u3068\u56de\u7b54\u3057\u305f\u4eba\u306f\u534a\u6570\u672a\u6e80\u3060\u3063\u305f\u3068\u3001\u30c7\u30fc\u30bf\u30b8\u30e3\u30fc\u30ca\u30ea\u30b9\u30c8\u306e Paul Hiebert<\/a>\u6c0f\u306f\u8ff0\u3079\u3066\u3044\u307e\u3059\u3002 <\/p>\n\n

18\u6b73\u304b\u308934\u6b73\u306e\u56de\u7b54\u8005\u3067\u306f\u3001\u4e0d\u4fe1\u611f\u3092\u652f\u6301\u3059\u308b\u6570\u5b57\u304c\u898b\u3089\u308c(\u4fe1\u983c\u3057\u3066\u3044\u306a\u3044\u4eba\u304c42%\u3001\u4fe1\u983c\u3057\u3066\u3044\u308b\u4eba\u304c41%)\u300135\u6b73\u304b\u308954\u6b73\u306e\u5e74\u9f62\u5c64\u3067\u306f\u3001\u4fe1\u983c\u304c\u4e0d\u4fe1\u611f\u30921\u30dd\u30a4\u30f3\u30c8\u4e0a\u56de\u3063\u3066\u3044\u307e\u3059(45%\u5bfe44%)\u3002\n55\u6b73\u4ee5\u4e0a\u306e\u56de\u7b54\u8005\u3060\u3051\u304c\u3001\u4fdd\u967a\u4f1a\u793e\u3092\u4fe1\u983c\u3059\u308b\u50be\u5411\u304c\u5f37\u304b\u3063\u305f\u3002 <\/p>\n\n

\u4fe1\u983c\u304c\u751f\u304d\u6b8b\u308b\u305f\u3081\u306b\u306f\u660e\u78ba\u306a\u30b3\u30df\u30e5\u30cb\u30b1\u30fc\u30b7\u30e7\u30f3\u304c\u5fc5\u8981<\/h3>\n\n

\u3057\u304b\u3057\u3001\u8abf\u67fb\u5bfe\u8c61\u3068\u306a\u3063\u305f\u3059\u3079\u3066\u306e\u5e74\u9f62\u5c64\u304c\u3001\u4fdd\u967a\u4f1a\u793e\u304c\u308f\u304b\u308a\u306b\u304f\u3044\u3001\u307e\u305f\u306f\u7406\u89e3\u3057\u306b\u304f\u3044\u8a00\u8449\u3092\u4f7f\u7528\u3057\u3066\u3044\u308b\u3068\u3044\u30461\u3064\u306e\u70b9\u306b\u3064\u3044\u3066\u3001\u306f\u3063\u304d\u308a\u3068\u540c\u610f\u3057\u3066\u3044\u307e\u3059\u3002\n\u5168\u4f53\u3068\u3057\u3066\u3001YouGov\u306e\u8abf\u67fb\u306e\u56de\u7b54\u8005\u306e72%\u304c\u3053\u306e\u58f0\u660e\u306b\u540c\u610f\u3057\u305f\u3068Hiebert\u306f\u66f8\u3044\u3066\u3044\u307e\u3059\u3002 <\/p>\n\n

\u4fdd\u967a\u5951\u7d04\u306e\u8907\u96d1\u3055\u306f\u3001\u4fdd\u967a\u306b\u304a\u3051\u308b\u4fe1\u983c\u554f\u984c\u306e\u5146\u5019\u3067\u3042\u308b\u3068\u3001\u884c\u52d5\u7d4c\u6e08\u5b66\u8005\u306e \u30c0\u30f3\u30fb\u30a2\u30ea\u30a4\u535a\u58eb\u306f\u8ff0\u3079\u3066\u3044\u307e\u3059\u3002<\/a> \u9867\u5ba2\u304c\u305d\u308c\u3089\u3092\u5229\u7528\u3059\u308b\u53ef\u80fd\u6027\u3092\u6e1b\u3089\u3059\u305f\u3081\u306b\u3001\u4fdd\u967a\u4f1a\u793e\u306f\u3001\u3067\u304d\u308b\u3060\u3051\u591a\u304f\u306e\u6f5c\u5728\u7684\u306a\u72b6\u6cc1\u306b\u5bfe\u51e6\u3059\u308b\u305f\u3081\u306e\u7d30\u5b57\u3067\u30dd\u30ea\u30b7\u30fc\u3092\u30ed\u30fc\u30c9\u3057\u307e\u3059\u3002\n\u9867\u5ba2\u306f\u3053\u306e\u7d30\u5247\u306b\u5727\u5012\u3055\u308c\u3001\u4fdd\u967a\u4f1a\u793e\u304c\u4f55\u304b\u3092\u96a0\u305d\u3046\u3068\u3057\u3066\u3044\u308b\u3068\u7d50\u8ad6\u4ed8\u3051\u3001\u4f59\u5206\u306a\u304a\u91d1\u3092\u8acb\u6c42\u3059\u308b\u65b9\u6cd5\u3092\u8003\u3048\u59cb\u3081\u307e\u3059\u3002 <\/p>\n\n

\u4e0d\u4fe1\u611f\u306e\u30b5\u30a4\u30af\u30eb\u306f\u81ea\u5df1\u6c38\u7d9a\u5316\u3057\u307e\u3059\u3002\n\u3042\u308b\u3044\u306f\u3001 \u30a6\u30a4\u30ea\u30b9\u30fb\u30bf\u30ef\u30fc\u30ba\u30ef\u30c8\u30bd\u30f3<\/a> \u306e\u3042\u308b\u30ec\u30dd\u30fc\u30c8\u304c\u8ff0\u3079\u3066\u3044\u308b\u3088\u3046\u306b\u3001\u300c\u4e0d\u4fe1\u611f\u306f\u4e0d\u6b63\u884c\u70ba\u3092\u751f\u307f\u3001\u305d\u308c\u304c\u3055\u3089\u306a\u308b\u4e0d\u4fe1\u611f\u3092\u717d\u308b\u300d\u306e\u3067\u3059\u3002 <\/p>\n\n

\u7d30\u5b57\u90e8\u5206\u3092\u8aad\u3080\u3088\u3046\u306b\u9867\u5ba2\u306b\u4fc3\u3059\u3060\u3051\u3067\u306f\u4e0d\u5341\u5206\u306a\u7406\u7531<\/h3>\n\n

\u4e00\u90e8\u306e\u4fdd\u967a\u4f1a\u793e\u306f\u3001\u7d30\u5b57\u3092\u8aad\u3093\u3060\u9867\u5ba2\u306b\u5831\u916c\u3092\u4e0e\u3048\u308b\u3053\u3068\u3067\u3001\u9867\u5ba2\u306e\u7d30\u304b\u3044\u6d3b\u5b57\u306b\u5bfe\u3059\u308b\u6050\u6016\u3092\u514b\u670d\u3057\u3088\u3046\u3068\u8a66\u307f\u3066\u3044\u307e\u3059\u3002\n\u305f\u3068\u3048\u3070\u3001\u30d5\u30ed\u30ea\u30c0\u3092\u62e0\u70b9\u3068\u3059\u308b\u65c5\u884c\u4fdd\u967a\u4f1a\u793e\u306f\u300110,000\u30c9\u30eb\u306e\u30b3\u30f3\u30c6\u30b9\u30c8\u306e\u8cde\u91d1\u3092\u7d30\u5b57\u306b\u633f\u5165\u3057\u307e\u3057\u305f\u3002\u9867\u5ba2\u304c\u6700\u7d42\u7684\u306b\u30dd\u30ea\u30b7\u30fc\u5168\u4f53\u3092\u8aad\u3093\u3067\u8cde\u54c1\u3092\u8acb\u6c42\u3059\u308b\u524d\u306b\u300173\u306e\u30dd\u30ea\u30b7\u30fc\u304c\u767a\u884c\u3055\u308c\u307e\u3057\u305f\u3001\u3068USA\u30c8\u30a5\u30c7\u30a4\u306e \u30b8\u30e7\u30b7\u30e5\u30fb\u30cf\u30d5\u30ca\u30fc<\/a> \u306f\u5831\u544a\u3057\u3066\u3044\u307e\u3059\u3002 <\/p>\n\n

\u96a0\u3055\u308c\u305f\u8cde\u54c1\u306f\u7d30\u5b57\u3092\u8aad\u3080\u3053\u3068\u3092\u5968\u52b1\u3059\u308b\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u304c\u3001\u5fc5\u305a\u3057\u3082\u4fe1\u983c\u3092\u7bc9\u304f\u308f\u3051\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\n\u307b\u3068\u3093\u3069\u306e\u5834\u5408\u3001\u9867\u5ba2\u304c\u4fdd\u967a\u8a3c\u5238\u3092\u8aad\u307e\u306a\u3044\u3060\u3051\u3067\u306a\u304f\u3001\u4fdd\u967a\u4ee3\u7406\u5e97\u3001\u30d6\u30ed\u30fc\u30ab\u30fc\u3001\u305d\u306e\u4ed6\u306e\u5c02\u9580\u5bb6\u3082\u4fdd\u967a\u8a3c\u5238\u3092\u8aad\u307e\u306a\u3044\u3068\u3001Independent Insurance Agents & Brokers of America\u306e\u5143\u526f\u793e\u9577\u3067\u3042\u308b William C. Wilson, Jr.<\/a>\u6c0f\u306f\u8ff0\u3079\u3066\u3044\u307e\u3059\u3002 <\/p>\n\n

\u7d30\u304b\u3044\u6d3b\u5b57\u306e\u30da\u30fc\u30b8\u304c\u8aad\u307e\u308c\u306a\u3044\u5834\u5408\u3001\u502b\u7406\u7684\u304a\u3088\u3073\u5b9f\u969b\u7684\u306a\u554f\u984c\u304c\u751f\u3058\u308b\u53ef\u80fd\u6027\u304c\u3042\u308b\u3068\u3001Journal of Business Ethics\u306e\u7814\u7a76\u8005 Oyvind Kvalnes<\/a> \u6c0f\u306f\u8ff0\u3079\u3066\u3044\u307e\u3059\u3002\n\u9867\u5ba2\u30ed\u30a4\u30e4\u30eb\u30c6\u30a3\u3092\u7dad\u6301\u3057\u3001\u6cd5\u7684\u307e\u305f\u306f\u502b\u7406\u7684\u306a\u6ce5\u6cbc\u3092\u56de\u907f\u3059\u308b\u305f\u3081\u306b\u306f\u3001\u4fdd\u967a\u5951\u7d04\u306e\u660e\u78ba\u6027\u3068\u900f\u660e\u6027\u3092\u9ad8\u3081\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002 <\/p>\n\n

\"\"<\/figure>\n\n

\u4fdd\u967a\u306e\u900f\u660e\u6027\u3092\u5411\u4e0a\u3055\u305b\u308b\u305f\u3081\u306e\u30d3\u30b8\u30cd\u30b9\u30b1\u30fc\u30b9<\/h2>\n\n

\u30c7\u30b8\u30bf\u30eb \u30c8\u30e9\u30f3\u30b9\u30d5\u30a9\u30fc\u30e1\u30fc\u30b7\u30e7\u30f3\u306f\u3001\u60c5\u5831\u306e\u900f\u660e\u6027\u306b\u5bfe\u3059\u308b\u9867\u5ba2\u306e\u671f\u5f85\u3082\u5909\u3048\u307e\u3057\u305f\u3002\n\u4fdd\u967a\u306e\u304a\u5ba2\u69d8\u306f\u3001\u8cfc\u5165\u524d\u306b\u5546\u54c1\u3084\u4f01\u696d\u306e\u30ec\u30d3\u30e5\u30fc\u3092\u8aad\u3093\u3060\u308a\u3001\u60c5\u5831\u3092\u8abf\u3079\u305f\u308a\u3059\u308b\u3053\u3068\u306b\u6163\u308c\u3066\u3044\u307e\u3059\u3002 <\/p>\n\n

\u307e\u305f\u3001\u9867\u5ba2\u306f\u8cfc\u5165\u3059\u308b\u4f01\u696d\u306e\u900f\u660e\u6027\u306b\u3082\u5831\u3044\u3066\u3044\u307e\u3059\u3002\n\u3042\u308b\u8abf\u67fb\u3067\u306f\u3001\u9867\u5ba2\u306e74%\u304c\u900f\u660e\u6027\u306e\u9ad8\u3044\u30d6\u30e9\u30f3\u30c9\u306b\u5207\u308a\u66ff\u3048\u308b\u3068\u56de\u7b54\u3057\u300180%\u304c\u900f\u660e\u6027\u306e\u9ad8\u3044\u30d6\u30e9\u30f3\u30c9\u306b\u5fe0\u5b9f\u306b\u306a\u308b\u3068\u56de\u7b54\u3057\u3066\u3044\u307e\u3059\u3002\n\u900f\u660e\u6027\u306e\u9ad8\u3044\u88fd\u54c1\u3084\u30b5\u30fc\u30d3\u30b9\u306b\u5bfe\u3057\u3066\u306f\u300150%\u8fd1\u304f\u304c\u3088\u308a\u591a\u304f\u306e\u304a\u91d1\u3092\u6255\u3046\u3068\u3001\u30a4\u30f3\u30b7\u30e5\u30a2\u30c6\u30c3\u30af\u306e\u30b9\u30bf\u30fc\u30c8\u30a2\u30c3\u30d7\u3067\u8a8d\u53ef\u3092\u53d7\u3051\u305f\u4fdd\u967a\u4f1a\u793e\u306eKin Insurance\u306e\u5171\u540c\u5275\u696d\u8005\u3067\u3042\u308b Sean Harper<\/a>\u6c0f\u306f\u8ff0\u3079\u3066\u3044\u307e\u3059\u3002 <\/p>\n\n

\u307e\u305f\u3001\u53cc\u65b9\u5411\u306e\u900f\u660e\u6027\u306f\u3001\u5c11\u306a\u304f\u3068\u3082\u4e00\u90e8\u306e\u696d\u754c\u3067\u306f\u3001\u9867\u5ba2\u6e80\u8db3\u5ea6\u3068\u30b5\u30fc\u30d3\u30b9\u54c1\u8cea\u3092\u5411\u4e0a\u3055\u305b\u308b\u3088\u3046\u3067\u3059\u3002\n\u305f\u3068\u3048\u3070\u3001\u30cf\u30fc\u30d0\u30fc\u30c9\u30d3\u30b8\u30cd\u30b9\u30ec\u30d3\u30e5\u30fc\u306e\u8abf\u67fb\u306b\u3088\u308b\u3068\u3001\u30ec\u30b9\u30c8\u30e9\u30f3\u306e\u6599\u7406\u4eba\u3068\u98df\u4e8b\u5ba2\u304c\u304a\u4e92\u3044\u3092\u898b\u308b\u3068\u3001\u6599\u7406\u4eba\u306e\u30b5\u30fc\u30d3\u30b9\u901f\u5ea6\u306f13.2%\u5411\u4e0a\u3057\u3001\u98df\u4e8b\u306e\u6e80\u8db3\u5ea6\u306f17.3%\u5411\u4e0a\u3057\u307e\u3057\u305f\u3002\n\u300c\u9867\u5ba2\u3068\u30d7\u30ed\u30d0\u30a4\u30c0\u30fc\u306e\u9593\u306e\u900f\u660e\u6027\u306f\u3001\u30b5\u30fc\u30d3\u30b9\u3092\u672c\u5f53\u306b\u6539\u5584\u3059\u308b\u3088\u3046\u3067\u3059\u300d\u3068\u3001\u3053\u306e\u7814\u7a76\u306e\u8457\u8005\u306e1\u4eba\u3067\u3042\u308b\u30cf\u30fc\u30d0\u30fc\u30c9\u30d3\u30b8\u30cd\u30b9\u30b9\u30af\u30fc\u30eb\u306e\u52a9\u6559\u6388\u3067\u3042\u308b Ryan W. Buell<\/a> \u6c0f\u306f\u8ff0\u3079\u3066\u3044\u307e\u3059\u3002 <\/p>\n\n

\u30a4\u30f3\u30b7\u30e5\u30a2\u30c6\u30c3\u30af\u306e\u30b9\u30bf\u30fc\u30c8\u30a2\u30c3\u30d7\u3067\u3042\u308b Waffle \u304c\u4fdd\u967a\u696d\u754c\u306e\u9867\u5ba2\u306b\u7406\u60f3\u7684\u306a\u4fdd\u967a\u4f53\u9a13\u306f\u4f55\u304b\u3068\u5c0b\u306d\u305f\u3068\u3053\u308d\u3001\u9867\u5ba2\u306e\u7b54\u3048\u306f\u900f\u660e\u6027\u306b\u91cd\u70b9\u3092\u7f6e\u3044\u3066\u3044\u305f\u3068\u3001Waffle \u306e\u5171\u540c\u5275\u696d\u8005\u517c CEO \u3067\u3042\u308b Quentin Coolen<\/a> \u6c0f\u306f\u8ff0\u3079\u3066\u3044\u307e\u3059\u3002\n\u5177\u4f53\u7684\u306b\u306f\u3001\u304a\u5ba2\u69d8\u306f\u7406\u89e3\u3057\u3084\u3059\u3044\u30dd\u30ea\u30b7\u30fc\u3092\u6c42\u3081\u3066\u3044\u307e\u3057\u305f\u3002\n\u5f7c\u3089\u306f\u3001\u9664\u5916\u306e\u5c71\u3092\u304b\u304d\u5206\u3051\u305f\u304f\u306a\u304b\u3063\u305f\u306e\u3067\u3059\u3002\n\u305d\u3057\u3066\u3001\u4fdd\u967a\u91d1\u8acb\u6c42\u304c\u6765\u305f\u3068\u304d\u3001\u5f7c\u3089\u306f\u81ea\u5206\u305f\u3061\u304c\u7406\u89e3\u3067\u304d\u308b\u8a00\u8a9e\u3067\u4fdd\u967a\u4f1a\u793e\u3068\u8a71\u305b\u308b\u3088\u3046\u306b\u3057\u305f\u3044\u3068\u8003\u3048\u3066\u3044\u307e\u3057\u305f\u3002 <\/p>\n\n

\u5e78\u3044\u306a\u3053\u3068\u306b\u3001\u4fdd\u967a\u4f1a\u793e\u304c\u4fdd\u967a\u306e\u30b3\u30df\u30e5\u30cb\u30b1\u30fc\u30b7\u30e7\u30f3\u3068\u900f\u660e\u6027\u306b\u95a2\u3059\u308b\u9867\u5ba2\u306e\u671f\u5f85\u306b\u5fdc\u3048\u308b\u305f\u3081\u306e\u30c4\u30fc\u30eb\u304c\u5b58\u5728\u3057\u307e\u3059\u3002<\/p>\n\n

\"\"<\/figure>\n\n

\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u30c4\u30fc\u30eb\u3092\u4f7f\u3063\u3066\u900f\u660e\u6027\u3092\u9ad8\u3081\u308b<\/h2>\n\n

\u4eca\u65e5\u306e\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u306b\u3088\u308a\u3001\u3055\u307e\u3056\u307e\u306a\u30d3\u30b8\u30cd\u30b9\u3084\u696d\u754c\u306b\u95a2\u3059\u308b\u60c5\u5831\u3092\u3053\u308c\u307e\u3067\u4ee5\u4e0a\u306b\u7c21\u5358\u306b\u898b\u3064\u3051\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u3088\u3046\u306b\u306a\u308a\u3001\u900f\u660e\u6027\u306b\u5bfe\u3059\u308b\u9867\u5ba2\u306e\u8981\u6c42\u304c\u9ad8\u307e\u3063\u3066\u3044\u307e\u3059\u3002\n\u900f\u660e\u6027\u306b\u5bfe\u3059\u308b\u9867\u5ba2\u306e\u671f\u5f85\u3092\u5909\u3048\u305f\u306e\u3068\u540c\u3058\u30c4\u30fc\u30eb\u3092\u3001\u305d\u306e\u8981\u6c42\u3092\u6e80\u305f\u3059\u305f\u3081\u306b\u3082\u6d3b\u7528\u3067\u304d\u307e\u3059\u3002 <\/p>\n\n

\u30b7\u30fc\u30e0\u30ec\u30b9\u306a\u60c5\u5831\u914d\u4fe1\u306b\u3088\u308b\u7d30\u5b57\u306e\u524a\u6e1b<\/h3>\n\n

\u4fdd\u967a\u306e\u900f\u660e\u6027\u3092\u9ad8\u3081\u308b\u305f\u3081\u306e\u30e6\u30cb\u30d0\u30fc\u30b5\u30eb\u30c7\u30fc\u30bf\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u306e\u63a8\u9032\u306f\u3001\u4fa1\u683c\u306e\u900f\u660e\u6027\u304c\u5168\u56fd\u7684\u306a\u95a2\u5fc3\u4e8b\u3068\u306a\u3063\u3066\u3044\u308b\u5065\u5eb7\u4fdd\u967a\u3067\u3059\u3067\u306b\u9032\u884c\u4e2d\u3067\u3042\u308b\u3068\u3001FAIR Health\u306e\u793e\u9577\u3067\u3042\u308b Robin Gelburd<\/a>\u6c0f\u306f\u66f8\u3044\u3066\u3044\u307e\u3059\u3002<\/p>\n\n

\u300c\u900f\u660e\u6027\u3068\u306f\u3001\u652f\u6255\u8005\u3084\u30d7\u30ed\u30d0\u30a4\u30c0\u30fc\u304b\u3089\u3001\u6d88\u8cbb\u8005\u3084\u305d\u306e\u4ed6\u306e\u4eba\u3005\u304c\u30a2\u30af\u30bb\u30b9\u3067\u304d\u308b\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u306b\u30c7\u30fc\u30bf\u3092\u79fb\u52d5\u3055\u305b\u308b\u3053\u3068\u3067\u3059\u300d\u3068\u5f7c\u306f\u8aac\u660e\u3057\u307e\u3059\u3002\n\u9867\u5ba2\u304c\u4fdd\u967a\u60c5\u5831\u306b\u30a2\u30af\u30bb\u30b9\u3057\u3001\u7c21\u5358\u306b\u7406\u89e3\u3067\u304d\u308b\u3068\u3001\u305d\u306e\u60c5\u5831\u6e90\u3067\u3042\u308b\u4fdd\u967a\u4f1a\u793e\u3092\u4fe1\u983c\u3059\u308b\u53ef\u80fd\u6027\u304c\u9ad8\u304f\u306a\u308a\u307e\u3059\u3002 <\/p>\n\n

\u4e00\u90e8\u306e\u4fdd\u967a\u4f1a\u793e\u306f\u3001\u3059\u3067\u306b\u30c7\u30b8\u30bf\u30eb\u30c4\u30fc\u30eb\u3092\u6d3b\u7528\u3057\u3066\u3001\u9867\u5ba2\u304c\u4fdd\u967a\u5951\u7d04\u3092\u8aad\u307f\u3001\u7406\u89e3\u3059\u308b\u80fd\u529b\u3092\u5411\u4e0a\u3055\u305b\u3066\u3044\u307e\u3059\u3002\n\u4f8b\u3048\u3070\u3001\u30d0\u30fc\u30af\u30b7\u30e3\u30fc\u30fb\u30cf\u30b5\u30a6\u30a7\u30a4\u306f\u6700\u8fd1\u3001\u52b4\u50cd\u8005\u707d\u5bb3\u88dc\u511f\u3001\u3055\u307e\u3056\u307e\u306a\u5f62\u614b\u306e\u8ce0\u511f\u8cac\u4efb\u3001\u8ca1\u7523\u3001\u8eca\u4e21\u306e\u88dc\u511f\u3092\u7d44\u307f\u5408\u308f\u305b\u305f\u4e2d\u5c0f\u4f01\u696d\u5411\u3051\u4fdd\u967a\u3092\u767a\u8868\u3057\u307e\u3057\u305f\u3002\n\u3053\u306e\u30dd\u30ea\u30b7\u30fc\u306e\u540d\u524d\u306f\u3001\u305d\u306e\u7d30\u5b57\u304c\u6b63\u78ba\u306b3\u30da\u30fc\u30b8\u306e\u9577\u3055\u3067\u3042\u308b\u3053\u3068\u304b\u3089\u300cTHREE\u300d\u3067\u3042\u308b\u3068\u3001Coverager\u306eAvi Ben-Hutta<\/a> \u306f\u66f8\u3044\u3066\u3044\u307e\u3059\u3002 <\/p>\n\n

THREE\u306f\u3001\u305d\u306e\u30b7\u30f3\u30d7\u30eb\u3055\u3067\u8cde\u8cdb\u3092\u96c6\u3081\u3066\u3044\u307e\u3059\u304c\u3001\u540c\u3058\u7406\u7531\u3067\u6279\u5224\u3082\u53d7\u3051\u3066\u3044\u307e\u3059\u3002\n\u4f8b\u3048\u3070\u3001THREE\u306b\u306f\u30a8\u30f3\u30c9\u30fc\u30b9\u30e1\u30f3\u30c8\u306e\u9078\u629e\u80a2\u304c\u306a\u3044\u3068\u3001Big I Virtual University of the Independent Insurance Agents and Brokers of America\u306e\u30a8\u30b0\u30bc\u30af\u30c6\u30a3\u30d6\u30c7\u30a3\u30ec\u30af\u30bf\u30fc\u3067\u3042\u308b Christopher J. Boggs<\/a>\u6c0f\u306f\u6307\u6458\u3057\u3066\u3044\u307e\u3059\u3002\n\u300c\u30a8\u30f3\u30c9\u30fc\u30b9\u30e1\u30f3\u30c8\u306f\u3001\u88ab\u4fdd\u967a\u8005\u304c\u305d\u306e\u56fa\u6709\u306e\u30a8\u30af\u30b9\u30dd\u30fc\u30b8\u30e3\u30fc\u306b\u5408\u308f\u305b\u3066\u30dd\u30ea\u30b7\u30fc\u3092\u30ab\u30b9\u30bf\u30de\u30a4\u30ba\u3067\u304d\u308b\u3088\u3046\u306b\u3059\u308b\u305f\u3081\u306b\u5b58\u5728\u3057\u307e\u3059\u3002\u30ab\u30b9\u30bf\u30de\u30a4\u30ba\u3059\u308b\u80fd\u529b\u304c\u306a\u3051\u308c\u3070\u3001\u88ab\u4fdd\u967a\u8005\u306f\u4e0d\u5341\u5206\u306a\u30aa\u30d7\u30b7\u30e7\u30f3\u306b\u7e1b\u3089\u308c\u3001\u7279\u306b\u3053\u306e\u30dd\u30ea\u30b7\u30fc\u304c\u9078\u629e\u3055\u308c\u305f\u30aa\u30d7\u30b7\u30e7\u30f3\u3067\u3042\u308b\u5834\u5408\u3001\u305d\u306e\u50be\u5411\u306f\u53b3\u3057\u3044\u3082\u306e\u306b\u306a\u308a\u307e\u3059\u300d\u3068\u5f7c\u306f\u8aac\u660e\u3057\u307e\u3059\u3002 <\/p>\n\n

THREE\u306f3\u30da\u30fc\u30b8\u306e\u30b5\u30a4\u30ba\u3092\u5927\u4e8b\u306b\u3057\u3066\u3044\u307e\u3059\u304c\u3001\u30c7\u30b8\u30bf\u30eb\u914d\u4fe1\u306e\u30dd\u30ea\u30b7\u30fc\u306f\u540c\u3058\u3088\u3046\u306b\u30da\u30fc\u30b8\u6570\u306b\u5236\u7d04\u3055\u308c\u307e\u305b\u3093\u3002\n\u60c5\u5831\u304c\u30c7\u30b8\u30bf\u30eb\u3067\u8868\u793a\u3055\u308c\u308b\u5834\u5408\u3001\u8aad\u8005\u3092\u5727\u5012\u3059\u308b\u3053\u3068\u306a\u304f\u30dd\u30ea\u30b7\u30fc\u3092\u30ab\u30b9\u30bf\u30de\u30a4\u30ba\u3059\u308b\u305f\u3081\u306e\u63a8\u5968\u3092\u8ffd\u52a0\u3067\u304d\u307e\u3059 – \u305d\u308c\u3089\u304c\u5e73\u6613\u306a\u8a00\u8449\u3067\u3001\u30ca\u30d3\u30b2\u30fc\u30b7\u30e7\u30f3\u306e\u305f\u3081\u306b\u601d\u616e\u6df1\u304f\u8a2d\u8a08\u3055\u308c\u305f\u65b9\u6cd5\u3067\u63d0\u793a\u3055\u308c\u3066\u3044\u308b\u5834\u5408\u3002 <\/p>\n\n

\u30c7\u30b8\u30bf\u30eb\u30c9\u30c3\u30c8\u3092\u3064\u306a\u3050:\u900f\u660e\u6027\u3001\u30d1\u30fc\u30bd\u30ca\u30e9\u30a4\u30bc\u30fc\u30b7\u30e7\u30f3\u3001\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3<\/h3>\n\n

\u4fdd\u967a\u306e\u900f\u660e\u6027\u306e\u5411\u4e0a\u306f\u3001\u9867\u5ba2\u306e\u9700\u8981\u304c\u9ad8\u307e\u3063\u3066\u3044\u308b\u30d1\u30fc\u30bd\u30ca\u30e9\u30a4\u30bc\u30fc\u30b7\u30e7\u30f3\u306e\u5897\u52a0\u3092\u81ea\u7136\u306b\u88dc\u5b8c\u3057\u307e\u3059\u3002<\/p>\n\n

\u3053\u3053\u3067\u3001\u4fdd\u967a\u4f1a\u793e\u306f\u3001\u30d1\u30fc\u30bd\u30ca\u30e9\u30a4\u30ba\u3055\u308c\u305f\u30b5\u30fc\u30d3\u30b9\u3092\u63d0\u4f9b\u3057\u3001\u4fe1\u983c\u3092\u7bc9\u304f\u305f\u3081\u306b\u3001\u500b\u4eba\u30c7\u30fc\u30bf\u3092\u5171\u6709\u3059\u308b\u9867\u5ba2\u306e\u610f\u6b32\u3092\u6d3b\u7528\u3057\u3066\u3044\u308b\u9280\u884c\u304b\u3089\u30d2\u30f3\u30c8\u3092\u5f97\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u3068\u3001\u30a2\u30af\u30bb\u30f3\u30c1\u30e5\u30a2\u306e\u30b0\u30ed\u30fc\u30d0\u30eb\u30d0\u30f3\u30ad\u30f3\u30b0\u62c5\u5f53\u30b7\u30cb\u30a2\u30de\u30cd\u30fc\u30b8\u30f3\u30b0\u30c7\u30a3\u30ec\u30af\u30bf\u30fc\u3067\u3042\u308b \u30a2\u30e9\u30f3\u30fb\u30de\u30c3\u30ad\u30f3\u30bf\u30a4\u30a2<\/a>\u6c0f\u306f\u8ff0\u3079\u3066\u3044\u307e\u3059\u3002\n\u9280\u884c\u306e\u9867\u5ba2\u306e\u7d0460%\u306f\u3001\u3088\u308a\u30d1\u30fc\u30bd\u30ca\u30e9\u30a4\u30ba\u3055\u308c\u305f\u30b5\u30fc\u30d3\u30b9\u3068\u6761\u4ef6\u306e\u6539\u5584\u3092\u610f\u5473\u3059\u308b\u306e\u3067\u3042\u308c\u3070\u3001\u3088\u308a\u591a\u304f\u306e\u500b\u4eba\u30c7\u30fc\u30bf\u3092\u5171\u6709\u3059\u308b\u3053\u3068\u3092\u671b\u3093\u3067\u3044\u307e\u3059\u3002 <\/p>\n\n

\u3057\u304b\u3057\u3001\u30d1\u30fc\u30bd\u30ca\u30e9\u30a4\u30bc\u30fc\u30b7\u30e7\u30f3\u3092\u4f7f\u7528\u3057\u3066\u4fe1\u983c\u3092\u7bc9\u304f\u4fdd\u967a\u4f1a\u793e\u306f\u3001\u9867\u5ba2\u30c7\u30fc\u30bf\u306e\u30d7\u30e9\u30a4\u30d0\u30b7\u30fc\u3068\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u3092\u5f37\u8abf\u3059\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002\n\u30a2\u30af\u30bb\u30f3\u30c1\u30e5\u30a2\u304c900\u793e\u3092\u5bfe\u8c61\u306b\u884c\u3063\u305f\u8abf\u67fb\u3067\u306f\u3001\u56de\u7b54\u8005\u306e\u7d04\u534a\u6570\u304c\u7af6\u5408\u4ed6\u793e\u306e\u30b5\u30fc\u30d3\u30b9\u306b\u5207\u308a\u66ff\u3048\u305f\u7406\u7531\u304c\u4fe1\u983c\u306e\u55aa\u5931\u3067\u3042\u308b\u3053\u3068\u304c\u308f\u304b\u308a\u307e\u3057\u305f\u3001\u3068\u8abf\u67fb\u306e\u8457\u8005\u3067\u3042\u308b Piercarlo Gera\u6c0f\u3001Alan McIntyre\u6c0f\u3001Erik Sandquist<\/a>\u6c0f\u306f\u8ff0\u3079\u3066\u3044\u307e\u3059\u3002 <\/p>\n\n

\u8abf\u67fb\u5bfe\u8c61\u3068\u306a\u3063\u305f7,000\u793e\u306e\u3046\u3061\u3001\u7d04900\u793e\u304c\u9867\u5ba2\u306e\u4fe1\u983c\u304c\u5927\u5e45\u306b\u4f4e\u4e0b\u3057\u307e\u3057\u305f\u3002\n\u305d\u306e\u7d50\u679c\u3001\u3053\u308c\u3089\u306e\u4f01\u696d\u306f2\u5e74\u9593\u3067\u63a8\u5b9a1,800\u5104\u30c9\u30eb\u306e\u53ce\u76ca\u3092\u5931\u3063\u305f\u3068\u3001\u30a2\u30af\u30bb\u30f3\u30c1\u30e5\u30a2\u306e \u30d6\u30e9\u30a4\u30a2\u30f3\u30fb\u30a8\u30ac\u30fc\u30ba<\/a> \u3068\u540c\u50da\u306e\u7814\u7a76\u8005\u306f\u8ff0\u3079\u3066\u3044\u307e\u3059\u3002 <\/p>\n\n

\u4fdd\u967a\u4f1a\u793e\u304c\u30c7\u30fc\u30bf\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u306b\u771f\u5263\u306b\u53d6\u308a\u7d44\u307f\u3001\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u30d7\u30ed\u30bb\u30b9\u306b\u3064\u3044\u3066\u900f\u660e\u6027\u3092\u78ba\u4fdd\u3059\u308b\u3068\u3001\u9867\u5ba2\u306f\u4fdd\u967a\u4f1a\u793e\u3068\u3084\u308a\u53d6\u308a\u3059\u308b\u969b\u306b\u3055\u3089\u306a\u308b\u81ea\u4fe1\u3092\u6301\u3064\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002\n\u5f7c\u3089\u306f\u3001\u30d1\u30fc\u30bd\u30ca\u30e9\u30a4\u30bc\u30fc\u30b7\u30e7\u30f3\u306b\u3088\u3063\u3066\u30dd\u30ea\u30b7\u30fc\u306e\u7d30\u5247\u304c\u5c11\u3057\u9577\u304f\u306a\u308b\u53ef\u80fd\u6027\u304c\u3042\u308b\u3053\u3068\u3092\u77e5\u3063\u3066\u3044\u307e\u3059\u304c\u3001\u306a\u305c\u3088\u308a\u591a\u304f\u306e\u8aad\u66f8\u3092\u3057\u306a\u3051\u308c\u3070\u306a\u3089\u306a\u3044\u306e\u304b\u3092\u7406\u89e3\u3057\u3066\u3044\u307e\u3059\u3002\n\u307e\u305f\u3001\u30ab\u30b9\u30bf\u30de\u30a4\u30ba\u3055\u308c\u305f\u52b9\u679c\u7684\u306a\u88dc\u511f\u3092\u4f5c\u6210\u3059\u308b\u305f\u3081\u306b\u5fc5\u8981\u306a\u60c5\u5831\u3092\u63d0\u4f9b\u3059\u308b\u3053\u3068\u306b\u3082\u7a4d\u6975\u7684\u3067\u3059\u3002 <\/p>\n\n

\u753b\u50cf\u63d0\u4f9b:\u30c9\u30df\u30c8\u30ea\u30fc\u30fb\u30b7\u30ed\u30ce\u30bd\u30d5\/\u00a9123RF.com\u3001\u30a2\u30ec\u30af\u30b5\u30f3\u30c9\u30eb\u30fb\u30c0\u30f4\u30a3\u30c9\u30d5\/\u00a9123RF.com\u3001everythingpossible\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

\u4fdd\u967a\u306f\u3001\u30b7\u30f3\u30d7\u30eb\u306a\u30a2\u30ec\u30f3\u30b8\u30e1\u30f3\u30c8\u3092\u63d0\u4f9b\u3059\u308b\u3053\u3068\u3067\u3001\u4f55\u4e16\u7d00\u306b\u3082\u308f\u305f\u3063\u3066\u7e41\u6804\u3057\u3066\u304d\u307e\u3057\u305f\u3002 \u4fdd\u967a\u5951\u7d04\u8005\u306f\u3001\u7279\u5b9a\u306e\u7a2e\u985e\u306e\u640d\u5931\u304c\u767a\u751f\u3057\u305f\u5834\u5408\u306b\u4fdd\u967a\u4f1a\u793e\u304c\u88dc\u511f\u3059\u308b\u3068\u3044\u3046\u7d04\u675f\u3068\u5f15\u304d\u63db\u3048\u306b\u4fdd\u967a\u6599\u3092\u652f\u6255\u3044\u307e\u3059\u3002 \u53d6\u308a\u6c7a\u3081\u304c\u6bd4\u8f03\u7684\u7406\u89e3\u3057\u3084 […]<\/p>\n","protected":false},"featured_media":0,"template":"","insight-category":[],"class_list":["post-20981","insight","type-insight","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/ja\/wp-json\/wp\/v2\/insight\/20981","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bolttech.io\/ja\/wp-json\/wp\/v2\/insight"}],"about":[{"href":"https:\/\/bolttech.io\/ja\/wp-json\/wp\/v2\/types\/insight"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/ja\/wp-json\/wp\/v2\/media?parent=20981"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/ja\/wp-json\/wp\/v2\/insight-category?post=20981"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}