{"id":18443,"date":"2024-09-19T17:26:45","date_gmt":"2024-09-19T22:26:45","guid":{"rendered":"https:\/\/bolttech.io\/insight\/%ec%97%b0%eb%b0%a9-%ec%a0%95%eb%b6%80%ec%9d%98-%ed%8c%ac%eb%8d%b0%eb%af%b9-%eb%8c%80%ec%9d%91%ec%9d%b4-%ec%83%81%ec%97%85-%eb%b3%b4%ed%97%98%ec%97%90-%eb%af%b8%ec%b9%98%eb%8a%94-%ec%98%81%ed%96%a5\/"},"modified":"2024-11-19T10:10:08","modified_gmt":"2024-11-19T15:10:08","slug":"%ec%97%b0%eb%b0%a9-%ec%a0%95%eb%b6%80%ec%9d%98-%ed%8c%ac%eb%8d%b0%eb%af%b9-%eb%8c%80%ec%9d%91%ec%9d%b4-%ec%83%81%ec%97%85-%eb%b3%b4%ed%97%98%ec%97%90-%eb%af%b8%ec%b9%98%eb%8a%94-%ec%98%81%ed%96%a5","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/ko\/insights\/%ec%97%b0%eb%b0%a9-%ec%a0%95%eb%b6%80%ec%9d%98-%ed%8c%ac%eb%8d%b0%eb%af%b9-%eb%8c%80%ec%9d%91%ec%9d%b4-%ec%83%81%ec%97%85-%eb%b3%b4%ed%97%98%ec%97%90-%eb%af%b8%ec%b9%98%eb%8a%94-%ec%98%81%ed%96%a5\/","title":{"rendered":"\uc5f0\ubc29 \uc815\ubd80\uc758 \ud32c\ub370\ubbf9 \ub300\uc751\uc774 \uc0c1\uc5c5 \ubcf4\ud5d8\uc5d0 \ubbf8\uce58\ub294 \uc601\ud5a5"},"content":{"rendered":"\n

COVID-19 \ud32c\ub370\ubbf9\uc73c\ub85c \uc778\ud574 \uae30\uc5c5\ub4e4\uc740 \ube44\uc988\ub2c8\uc2a4 \uc190\uc2e4\uc5d0\uc11c \uc791\uc5c5 \uacf5\uac04 \uc18c\ub3c5\uc5d0 \uc774\ub974\uae30\uae4c\uc9c0 \ub2e4\uc591\ud55c \ube44\uc6a9\uc5d0 \ub300\ud55c \ub3c4\uc6c0\uc744 \ubc1b\uae30 \uc704\ud574 \ubcf4\ud5d8\uc0ac\uc5d0 \uc55e\ub2e4\ud248 \ub3c4\uc6c0\uc744 \uc694\uccad\ud588\uc2b5\ub2c8\ub2e4. \ud55c\ud3b8 \ubcf4\ud5d8 \ud68c\uc0ac\ub4e4\uc740 \ubc00\ub824\ub4dc\ub294 \ubcf4\ud5d8\uae08 \uccad\uad6c\ub97c \uad00\ub9ac\ud560 \uc218 \uc788\ub294 \uc0c8\ub85c\uc6b4 \ubc29\ubc95\uc744 \ubaa8\uc0c9\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n

\ud32c\ub370\ubbf9\uc5d0 \ub300\ud55c \ub2e4\uc591\ud55c \uc5f0\ubc29 \uc815\ubd80\uc758 \ub300\uc751\uc740 \ubcf4\ud5d8 \ud68c\uc0ac\uac00 \uc774 \ubb38\uc81c\ub97c \ud574\uacb0\ud558\ub294 \ubc29\uc2dd\uc5d0 \uc601\ud5a5\uc744 \ubbf8\ucce4\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ub300\uc751\uc774 \uacc4\uc18d \uad6c\uccb4\ud654\ub428\uc5d0 \ub530\ub77c \uc190\ud574 \ubcf4\ud5d8\uc0ac\ub4e4\uc740 \ubcf4\ud5d8\uacfc \uace0\uac1d\uc744 \uc704\ud55c \uc62c\ubc14\ub978 \uacbd\ub85c\ub97c \uad6c\ucd95\ud558\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub418\ub3c4\ub85d \uc815\ubd80 \uacc4\ud68d\uacfc \uc870\uce58\ub97c \uc8fc\uc2dc\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n

\ud32c\ub370\ubbf9 \uad00\ub828 \ubcf4\ub3c4\ub97c \ub458\ub7ec\uc2fc \uc9c0\uc18d\uc801\uc778 \uc2f8\uc6c0<\/h2>\n\n

\ubcf4\ud5d8\ud68c\uc0ac\ub4e4\uc774 \uc0ac\uc5c5\ubcf4\ud5d8\uc744 \uc81c\uacf5\ud558\uc9c0 \uc54a\uc558\ub2e4\ub294 \uc774\uc720\ub85c \uc81c\uae30\ub41c \uccab \ubc88\uc9f8 \uc18c\uc1a1\uc774 \uc774\ubbf8 \ubbf8\uad6d \ubc95\uc6d0\uc744 \uac15\ud0c0\ud558\uace0 \uc788\ub2e4.<\/p>\n\n

\uc77c\ub840\ub85c, \ub274\uc62c\ub9ac\uc5b8\uc2a4\uc758 \ud55c \ub808\uc2a4\ud1a0\ub791\uc740 \ub7f0\ub358\uc758 \ub85c\uc774\ub4dc(Lloyd’s), \uc8fc\uc9c0\uc0ac \ubc0f \ub8e8\uc774\uc9c0\uc560\ub098 \uc8fc\ub97c \uc0c1\ub300\ub85c \uc18c\uc1a1\uc744 \uc81c\uae30<\/a> \ud558\uc5ec \ub808\uc2a4\ud1a0\ub791\uc758 \uc601\uc5c5 \uc911\ub2e8 \ubcf4\ud5d8\uc774 \ucf54\ub85c\ub09819 \uad00\ub828 \ud3d0\uc1c4 \uba85\ub839\uc744 \ubcf4\uc7a5\ud55c\ub2e4\ub294 \uc120\uc5b8\uc801 \ud310\uacb0\uc744 \uad6c\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n\n

\uc774 \uc18c\uc1a1\uc740 \ubcf4\ud5d8\uc0ac\ub4e4\uc774 \uc0ac\uc5c5\uc8fc\uc5d0\uac8c \uc0ac\uc5c5 \uc911\ub2e8 \ubcf4\uc7a5\uc774 \ucf54\ub85c\ub098\ubc14\uc774\ub7ec\uc2a4\ub85c \uc778\ud55c \ud3d0\uc1c4\ub97c \ub2e4\ub8e8\uc9c0 \uc54a\ub294\ub2e4\uace0 \ub9d0\ud558\ub294 \uac83\uc744 \ub9c9\uae30 \uc704\ud574 \uc120\uc5b8\uc801 \ud310\uacb0\uc744 \uad6c\ud558\uace0 \uc788\ub2e4\uace0 \uc2dd\ub2f9\uc744 \ub300\ud45c\ud558\ub294 \ubcc0\ud638\uc0ac John W. Houghtaling II<\/a>\ub294 \ub9d0\ud569\ub2c8\ub2e4.<\/p>\n\n

\uadf8\ub7ec\ub098 \ubcf4\ud5d8 \uc99d\uad8c\uc774 \ucf54\ub85c\ub098\ubc14\uc774\ub7ec\uc2a4 \uad00\ub828 \uccad\uad6c\ub97c \uad6c\uccb4\uc801\uc73c\ub85c \ubc30\uc81c\ud558\uc9c0 \uc54a\ub354\ub77c\ub3c4 \ub9ce\uc740 \ubcf4\ud5d8\uc774 \uc81c\uacf5\ud558\ub294 \ubcf4\uc7a5\uc740 “\uae30\uaecf\ud574\uc57c \ucd5c\uc18c\ud55c\uc77c \uac00\ub2a5\uc131\uc774 \ub192\ub2e4”\uace0 InsuranceCommentary.com \uc758 \uc124\ub9bd\uc790 \uacb8 CEO\uc778 Bill Wilson<\/a>\uc740 \ub9d0\ud569\ub2c8\ub2e4.<\/p>\n\n

Wilson\uc740 \uae30\uc874 \ubcf4\ud5d8\ubc95\uacfc \uaddc\uc815\uc740 \uc77c\ubc18\uc801\uc73c\ub85c \ubc14\uc774\ub7ec\uc2a4\uc758 \uc874\uc7ac\ub97c \uc7ac\uc0b0\uc5d0 \ub300\ud55c \ubb3c\ub9ac\uc801 \uc190\uc0c1\uc758 \ud55c \ud615\ud0dc\ub85c \ucde8\uae09\ud558\ub294 \uac83\uc5d0 \ubb34\uac8c\ub97c \ub450\uace0 \uc788\uc73c\uba70, \ud2b9\ud788 COVID-19\uc758 \uacbd\uc6b0\uc640 \uac19\uc774 \ubc14\uc774\ub7ec\uc2a4 \uc790\uccb4\uac00 \ub300\ubd80\ubd84\uc758 \ud45c\uba74\uc5d0\uc11c \uba70\uce60 \ub3d9\uc548\ub9cc \uc0dd\uc874\ud560 \uc218 \uc788\ub294 \uacbd\uc6b0 \ub354\uc6b1 \uadf8\ub807\ub2e4\uace0 \uc37c\uc2b5\ub2c8\ub2e4. \ubcf4\ud5d8\uc0ac\ub294 \ubcf4\uc0c1\ud560 \ubb3c\ub9ac\uc801 \uc190\uc2e4\uc774 \uc5c6\ub294 \uacbd\uc6b0 \ubb3c\ub9ac\uc801 \uc190\uc2e4\uc5d0 \ub300\ud55c \ubcf4\uc7a5\uc744 \uc81c\uacf5\ud560 \uc218 \uc5c6\uc2b5\ub2c8\ub2e4.<\/p>\n\n

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

\uc804\uc5fc\ubcd1\uc5d0 \ub300\ud55c \uc5f0\ubc29 \ubcf4\ud5d8 \uac1c\uc785 \uc9c0\uc6d0<\/h2>\n\n

\ud32c\ub370\ubbf9 \uad00\ub828 \ubcf4\uc7a5\uc744 \ub458\ub7ec\uc2fc \ubc95\uc815 \ub2e4\ud23c\uacfc \uc785\ubc95 \ub2e4\ud23c\uc5d0 \ub300\ud55c \ubcf4\ud5d8\uc0ac\ub4e4\uc758 \uc6b0\ub824\uc758 \ud575\uc2ec\uc740 \ubcf4\ud5d8 \uc0b0\uc5c5 \uc790\uccb4\uc758 \uc9c0\uae09 \ub2a5\ub825\uc785\ub2c8\ub2e4.<\/p>\n\n

\ubbf8\uad6d \uc190\ud574\ubcf4\ud5d8\ud611\ud68c(American Property and Casualty Insurance Association)\uc758 \ud68c\uc7a5 \uacb8 CEO\uc778 \ub370\uc774\ube44\ub4dc A. \uc0d8\uc2a8(David A. Sampson<\/a>)\uc5d0 \ub530\ub974\uba74, \ud32c\ub370\ubbf9 \uad00\ub828 \uc911\uc18c\uae30\uc5c5 \uccad\uad6c\ub85c \uc778\ud574 \ubcf4\ud5d8\uc5c5\uacc4\ub294 \ub9e4\uc6d4 2,200\uc5b5 \ub2ec\ub7ec\uc5d0\uc11c 3,830\uc5b5 \ub2ec\ub7ec\uc758 \ube44\uc6a9\uc744 \uc9c0\ucd9c\ud560 \uc218 \uc788\uc73c\uba70, \uc774 \uc218\uce58\ub294 \ucd5c\ub300 3,000\ub9cc \uac74\uc758 \uc911\uc18c\uae30\uc5c5 \uccad\uad6c\ub97c \uc608\uc0c1\ud558\ub294 \uc218\uce58\uc785\ub2c8\ub2e4.<\/p>\n\n

\uc774 \ucd94\uc815\uce58\ub294 2005\ub144\uc5d0 \uc138\uc6b4 \ud074\ub808\uc784 \ucc98\ub9ac\uc5d0 \ub300\ud55c \uc5c5\uacc4\uc758 1\ub144 \uae30\ub85d\uc744 \ub2a5\uac00\ud569\ub2c8\ub2e4. \uadf8 \ud574\uc5d0 \uc190\ud574 \ubcf4\ud5d8\uc0ac\ub4e4\uc740 300\ub9cc \uac74 \uc774\uc0c1\uc758 \uccad\uad6c\ub97c \ucc98\ub9ac\ud588\ub294\ub370, \ub300\ubd80\ubd84 \ud5c8\ub9ac\ucf00\uc778 \uce74\ud2b8\ub9ac\ub098(Katrina), \ub9ac\ud0c0(Rita) \ubc0f \uc70c\ub9c8(Wilma)\ub85c \uc778\ud55c \uc190\uc2e4\uacfc \uad00\ub828\uc774 \uc788\uc5c8\uc2b5\ub2c8\ub2e4.<\/p>\n\n

\ud604\uc7ac \ubbf8\uad6d P&C \ubcf4\ud5d8\uc5c5\uacc4\ub294 7,500\uc5b5 \ub2ec\ub7ec\uc5d0\uc11c 8,000\uc5b5 \ub2ec\ub7ec \uc0ac\uc774\uc758 \ucd1d \ud751\uc790\ub97c \uae30\ub85d\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. 2019\ub144\uc5d0 \uccad\uad6c \ubc0f \ube44\uc6a9\uc5d0 \uc57d 6,220\uc5b5 \ub2ec\ub7ec\ub97c \uc9c0\ucd9c\ud588\uc2b5\ub2c8\ub2e4. \ud32c\ub370\ubbf9 \uccad\uad6c\uc640 \ub300\ud615 \ud5c8\ub9ac\ucf00\uc778\uacfc \uac19\uc740 \ub610 \ub2e4\ub978 \uc7ac\uc559\uc801 \uc0ac\uac74\uc774 \uacb0\ud569\ub418\uba74 \ubcf4\ud5d8\uc0ac\ub294 \uccad\uad6c\ub97c \uc9c0\ubd88\ud560 \ucda9\ubd84\ud55c \ub3c8\uc774 \ubd80\uc871\ud574\uc9c8 \uc218 \uc788\ub2e4\uace0 \ubcf4\ud5d8 \uc815\ubcf4 \uc5f0\uad6c\uc18c(Insurance Information Institute)\uc758 \uc218\uc11d \uacbd\uc81c\ud559\uc790\uc778 Steven Weisbart<\/a>\ub294 \ub9d0\ud569\ub2c8\ub2e4. <\/p>\n\n

“\uae00\ub85c\ubc8c \ud32c\ub370\ubbf9\uc5d0\uc11c \ubc97\uc5b4\ub098 \ub2e4\uac01\ud654\ud558\ub294 \uac83\uc740 \ubd88\uac00\ub2a5\ud569\ub2c8\ub2e4”\ub77c\uace0 R Street Institute\uc758 \ucc3d\ub9bd \uba64\ubc84\uc774\uc790 \uae08\uc735, \ubcf4\ud5d8 \ubc0f \ubb34\uc5ed \uc815\ucc45 \uc774\uc0ac\uc778 Ray Lehmann<\/a>\uc740 \ub9d0\ud569\ub2c8\ub2e4.<\/p>\n\n

“\uadf8\ub4e4\uc740 \ud55c \ubc88\uc5d0 \ubaa8\ub4e0 \uc9c0\uc5ed, \uac70\uc758 \ubaa8\ub4e0 \ubd80\ubb38\uc744 \ud55c \ubc88\uc5d0 \uacf5\uaca9\ud588\uc2b5\ub2c8\ub2e4. \uc7ac\ubcf4\ud5d8\uc0ac\uac00 \ub9ac\uc2a4\ud06c\ub97c \uad00\ub9ac\ud558\ub294 \ub370 \uc57d\uac04 \ub354 \uc720\ub9ac\ud55c \uc704\uce58\uc5d0 \uc788\uc744 \uc218 \uc788\uc9c0\ub9cc, \uc774\ub4e4 \uc5ed\uc2dc \uc81c\ud488 \ub77c\uc778\ubfd0\ub9cc \uc544\ub2c8\ub77c \uc9c0\uc5ed \uac04 \uccad\uad6c\uc758 \uadf9\ub2e8\uc801\uc778 \uc0c1\uad00\uad00\uacc4\uc5d0 \uc9c1\uba74\ud558\uac8c \ub420 \uac83\uc785\ub2c8\ub2e4.”<\/p>\n\n

\uc774 \ubb38\uc81c\ub97c \ud574\uacb0\ud558\uae30 \uc704\ud574 \uc758\ud68c\ub294 \uba87 \uac00\uc9c0 \uc785\ubc95 \ubc29\uc548\uc744 \uace0\ub824\ud558\uace0 \uc788\ub2e4.<\/p>\n\n

\ud32c\ub370\ubbf9 \uc704\ud5d8 \ubcf4\ud5d8\ubc95(The Pandemic Risk Insurance Act)<\/h3>\n\n

\uc81c\uc548\ub41c \ud32c\ub370\ubbf9 \uc704\ud5d8 \ubcf4\ud5d8\ubc95(PRIA)\uc740 “\uc778\uc99d\ub41c \ud32c\ub370\ubbf9 \ub610\ub294 COVID-19\uc640 \uac19\uc740 \uc804\uc5fc\ubcd1\uc73c\ub85c \uc778\ud55c \uc190\uc2e4\uacfc \uad00\ub828\ub41c \ubcf4\ud5d8 \uccad\uad6c\uc5d0 \ub300\ud55c \uc5f0\ubc29 \uc190\uc2e4 \uacf5\uc720 \ud504\ub85c\uadf8\ub7a8\uc744 \ud6a8\uacfc\uc801\uc73c\ub85c \uc81c\uacf5\ud560 \uac83”\uc774\ub77c\uace0 Seyfarth\uc758 \ubcc0\ud638\uc0ac\uc778 Christa L. Dommers\uc640 Thomas Michaelides\ub294<\/a> \uc37c\uc2b5\ub2c8\ub2e4.<\/p>\n\n

PRIA\ub294 \ubcf4\ud5d8 \ud68c\uc0ac\uac00 \ud2b9\uc815 \uc0b0\uc5c5\uc5d0\uc11c \uc190\uc2e4\uc774 \uc778\uc99d\ub41c \uac74\uac15 \uc804\uc5fc\ubcd1\uacfc \uad00\ub828\ub41c \uacbd\uc6b0 \uc190\uc2e4\uc5d0 \ub300\ud55c \ubcf4\uc7a5\uc744 \uc81c\uacf5\ud558\ub3c4\ub85d \uc694\uad6c\ud569\ub2c8\ub2e4. \ubcf4\ud5d8\uc0ac\uac00 \ud2b9\uc815 \uae08\uc561\uc744 \ucd08\uacfc\ud558\ub294 \uc190\uc2e4 \ubc0f \ud32c\ub370\ubbf9 \uccad\uad6c\uc790\uc5d0 \ub300\ud55c \ucd5c\uc18c \uc9c0\uae09\uc561\uacfc \uac19\uc740 \ud2b9\uc815 \uc694\uad6c \uc0ac\ud56d\uc744 \ucda9\uc871\ud558\ub294 \uacbd\uc6b0 \uc5f0\ubc29 \uc815\ubd80\ub294 \uc190\uc2e4 \ubd84\ub2f4 \uacc4\ud68d\uc744 \ud1b5\ud574 \uac1c\uc785\ud569\ub2c8\ub2e4.<\/p>\n\n

\uc774 \ubc95\uc548\uc740 9\/11 \ud14c\ub7ec \uc774\ud6c4 \ud1b5\uacfc\ub41c \ud14c\ub7ec\uc704\ud5d8\ubcf4\ud5d8\ubc95(TRIA)\uc744 \ubaa8\ub378\ub85c \ud558\uace0 \uc788\ub294\ub370, \uc774 \ubc95\uc740 \ud14c\ub7ec\uc5d0 \ub300\ud55c \ubcf4\ud5d8 \uc801\uc6a9\uc744 \uc758\ubb34\ud654\ud558\ub294 \ub3d9\uc2dc\uc5d0 \ud2b9\uc815 \uc870\uac74\uc744 \ucda9\uc871\ud558\ub294 \ubcf4\ud5d8\uc0ac\uc5d0 \uc5f0\ubc29 \uc9c0\uc6d0\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \ub458 \uc0ac\uc774\uc5d0\ub294 \uc911\uc694\ud55c \ucc28\uc774\uc810\uc774 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ub85c\ud38c \ub85c\ud06c \ub85c\ub4dc(Locke Lord)\uc758 \ud30c\ud2b8\ub108\uc778 \uc7ac\ucee4\ub9ac \ub7ec\ub108(Zachary Lerner<\/a>)\ub294 “\ub450 \uac00\uc9c0 \uc704\ud5d8 \ubaa8\ub450 \uc7ac\uc559\uc801\uc778 \ud53c\ud574\uc640 \ub9c9\ub300\ud55c \ubcf4\ud5d8 \ubd80\ucc44\uc758 \uc804\ub9dd\uc744 \uc81c\uc2dc\ud558\uc9c0\ub9cc, \ud14c\ub7ec \uc704\ud5d8\uc740 \uc804 \uc138\uacc4 \ub3c4\uc2ec\uc5d0\uc11c \uac00\uc7a5 \ud074 \uac83”\uc774\ub77c\uace0 \ub9d0\ud558\uba70, \uc804\uc5fc\ubcd1\uc740 \uc5b8\uc81c \uc5b4\ub514\uc11c\ub098 \uc0ac\ub78c\uacfc \uae30\uc5c5\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce5c\ub2e4\uace0 \ub9d0\ud55c\ub2e4. <\/p>\n\n

\uc774 \ubc95\uc548\uc774 \ud1b5\uacfc\ub418\uba74 PRIA\ub294 \ucf54\ub85c\ub09819 \ubcf4\ud5d8\uae08 \uccad\uad6c\uc5d0 \uc801\uc6a9\ub418\uc9c0 \uc54a\uc744 \uac00\ub2a5\uc131\uc774 \ub192\uc2b5\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \uc774\ub294 \ud5a5\ud6c4 \ubcf4\ud5d8 \ud68c\uc0ac\uac00 \ud32c\ub370\ubbf9 \uad00\ub828 \uc190\uc2e4\uc5d0 \ub300\ud55c \ubcf4\uc7a5\uc5d0 \uc811\uadfc\ud558\ub294 \ubc29\uc2dd\uc744 \ubc14\uafc0 \uac83\uc785\ub2c8\ub2e4.<\/p>\n\n

\uc5f0\ubc29\uc815\ubd80 \uac1c\uc785\uc744 \uc704\ud55c \ub300\uc548 \ubaa8\ub378<\/h3>\n\n

\uc77c\ubd80 \ubcf4\ud5d8 \uc5c5\uacc4 \ucc38\uac00\uc790\ub294 PRIA\uc758 \uc81c\uc548\ub41c \ubc84\uc804 \ucd08\uc548 \uc791\uc131\uc5d0 \ucc38\uc5ec\ud588\uc9c0\ub9cc, \ub2e4\ub978 \ucc38\uac00\uc790\ub294 TRIA \ubaa8\ub378\uc5d0\uc11c \ubc97\uc5b4\ub09c \ucf54\ub85c\ub098\ubc14\uc774\ub7ec\uc2a4 \ubcf4\uc7a5\uc5d0 \ub300\ud55c \uc811\uadfc \ubc29\uc2dd\uc744 \uc639\ud638\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n

NAMIC(National Association of Mutual Insurance Companies)\uc640 APCIA(American Property Casualty Insurance Association)\ub294 \ubbf8\ub798\uc758 \ud32c\ub370\ubbf9 \uc190\uc2e4\uc744 \ucda9\ub2f9\ud558\ub294 \ub370 \uc788\uc5b4 \uc5f0\ubc29 \uc815\ubd80\uc758 \ub354 \ud070 \uc5ed\ud560\uc744 \uc9c0\uc6d0\ud558\ub294 \uacf5\ub3d9 \uc81c\uc548\uc744 \uc704\ud574 \ub178\ub825\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774 \uc81c\uc548\uc5d0 \ub530\ub974\uba74, \uc5f0\ubc29\uc815\ubd80\ub294 \ub2e8\uc21c\ud788 \ubcf4\ud5d8\ud68c\uc0ac\ub4e4\uc774 \ud32c\ub370\ubbf9\uc73c\ub85c \uc778\ud55c \uc190\uc2e4\uc744 \uc9c0\ubd88\ud558\ub294 \uac83\uc744 \uc9c0\uc6d0\ud558\ub294 \ub370 \uadf8\uce58\uc9c0 \uc54a\uc744 \uac83\uc774\ub2e4. \uc624\ud788\ub824 \uadf8 \uc190\uc2e4\uc5d0 \ub300\ud55c \ucc45\uc784\uc740 \uc815\ubd80 \uc2a4\uc2a4\ub85c\uac00 \uc838\uc57c \ud560 \uac83\uc774\ub2e4.<\/p>\n\n

“\uc6b0\ub9ac\ub294 \uc774 \ub098\ub77c\uac00 \ub2e4\uc2dc\ub294 \uc774\ub7f0 \uc0c1\ud669\uc5d0 \ucc98\ud558\uc9c0 \uc54a\ub3c4\ub85d \uc7a5\uae30\uc801\uc774\uace0 \uc804\ub9dd\uc801\uc778 \uc815\ubd80 \ud504\ub85c\uadf8\ub7a8\uc774 \ud544\uc694\ud558\ub2e4\uace0 \ubbff\ub294\ub2e4”\uace0 NAMIC\uc758 \uc815\ubd80 \uc5c5\ubb34 \ub2f4\ub2f9 \uc218\uc11d \ubd80\uc0ac\uc7a5 \uc9c0\ubbf8 \uadf8\ub780\ub370(Jimi Grande<\/a>)\ub294 \ub9d0\ud55c\ub2e4. Grande\ub294 \uc9c0\ub9ac\uc801 \uc704\uce58 \ubc0f \uae30\uac04\uacfc \uac19\uc740 \uc804\uc5fc\ubcd1\uacfc \ud14c\ub7ec \uacf5\uaca9\uc758 \uc8fc\uc694 \ucc28\uc774\uc810\uc73c\ub85c \uc778\ud574 \uac01\uac01\uc5d0 \ub300\ud55c \ub69c\ub837\ud55c \uc811\uadfc \ubc29\uc2dd\uc774 \ud544\uc694\ud558\ub2e4\uace0 \uc9c0\uc801\ud569\ub2c8\ub2e4. <\/p>\n\n

\uc138\ubd80 \uc0ac\ud56d\uc740 \uc544\uc9c1 \ubc1d\ud600\uc9c0\uc9c0 \uc54a\uc558\uc9c0\ub9cc COVID-19\uc640 \uad00\ub828\ub41c P&C \ubcf4\ud5d8 \uccad\uad6c\uc5d0 \ub300\ud55c \uc5f0\ubc29 \uc815\ubd80\uc758 \uac1c\uc785\uc774 \uc774\ub8e8\uc5b4\uc9c8 \uac00\ub2a5\uc131\uc774 \ub192\uc2b5\ub2c8\ub2e4. \ubcf4\ud5d8 \uc0b0\uc5c5\uc758 \uc790\uc6d0\uc5d0 \ub300\ud55c \uc704\ud611\uacfc \ud32c\ub370\ubbf9\uc758 \ub3c5\ud2b9\ud55c \uc601\ud5a5 \uc0ac\uc774\uc5d0\uc11c, \ubcf4\ud5d8\uc0ac\uc640 \ubcf4\ud5d8\uc0ac\uac00 \ubcf4\ud5d8\uc5d0 \uac00\uc785\ud55c \uc0ac\uc5c5\uccb4 \ubaa8\ub450\ub97c \ubcf4\ud638\ud558\uae30 \uc704\ud574 \uc77c\ubd80 \uc815\ubd80 \uc9c0\uc6d0\uc774 \ud544\uc694\ud560 \uac83\uc785\ub2c8\ub2e4.<\/p>\n\n

“\ud32c\ub370\ubbf9 \ubc1c\ubcd1\uc740 \ubcf4\ud5d8\uc5d0 \uac00\uc785\ud560 \uc218 \uc5c6\uae30 \ub54c\ubb38\uc5d0 \ubcf4\ud5d8\uc5d0 \uac00\uc785\ub418\uc5b4 \uc788\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4”\ub77c\uace0 APCIA\uc758 CEO\uc778 David A. Sampson<\/a>\uc740 \ub9d0\ud569\ub2c8\ub2e4. \ubcf4\ud5d8\uc5d0 \uac00\uc785\ud560 \uc218 \uc5c6\ub294 \uc0ac\uac74\uc774 \ubc1c\uc0dd\ud558\uba74, \uc0ac\ud68c\uacc4\uc57d\uc744 \uc720\uc9c0\ud560 \ucc45\uc784\uc774 \uc815\ubd80\uc5d0 \ub5a0\ub118\uc5b4\uac00\ub294 \uacbd\ud5a5\uc774 \uc788\ub2e4. <\/p>\n\n

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

\uc0c1\uc5c5 \ubcf4\ud5d8\uc0ac\ub97c \uc704\ud55c \uc8fc\uc694 \uace0\ub824 \uc0ac\ud56d<\/h2>\n\n

\uc18c\uaddc\ubaa8 \uc0c1\uc5c5 \ubcf4\ud5d8\uc0ac\ub294 \ud32c\ub370\ubbf9\uacfc \uadf8 \uc601\ud5a5\uc5d0 \ub300\ucc98\ud560 \ub54c \uc7a5\uae30\uc801 \ubc0f \ub2e8\uae30\uc801 \uace0\ub824 \uc0ac\ud56d\uc5d0 \uc9c1\uba74\ud574 \uc788\uc2b5\ub2c8\ub2e4. \uc5ec\uae30\uc5d0\ub294 \ubbf8\ub798\uc758 \ud32c\ub370\ubbf9\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce60 \uc218 \uc788\ub294 \ubc95\ub960\uc5d0 \ub300\ud55c \uc778\uc2dd\ubfd0\ub9cc \uc544\ub2c8\ub77c \ud604\uc7ac \ud32c\ub370\ubbf9\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce58\ub294 \ubc95\ub960, \uc911\uc18c\uae30\uc5c5\uc758 \uc0c1\ud0dc\uc640 \uacbd\uc81c \ubc0f \uc9c0\uc5ed \uc0ac\ud68c \uac74\uac15\uc5d0 \ubbf8\uce58\ub294 \uc601\ud5a5\uc5d0 \ub300\ud55c \uc778\uc2dd\uc774 \ud3ec\ud568\ub429\ub2c8\ub2e4.<\/p>\n\n

\uadfc\ub85c\uc790 \ubcf4\uc0c1\uacfc COVID-19<\/h3>\n\n

2020\ub144 5\uc6d4, \ucd08\ub2f9\uc801 \uc758\uc6d0 \uadf8\ub8f9\uc740 \ud32c\ub370\ubbf9 \uae30\uac04 \ub3d9\uc548 COVID-19\uc5d0 \uac10\uc5fc\ub41c \ud544\uc218 \uadfc\ub85c\uc790\uc640 \ubaa9\uc228\uc744 \uc783\uc740 \ud544\uc218 \uadfc\ub85c\uc790\uc758 \uac00\uc871\uc5d0\uac8c \uc0b0\uc7ac \ubcf4\uc0c1\uc744 \uc81c\uacf5\ud558\ub294 \ubc95\uc548\uc744 \ubc1c\ud45c\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n\n

\ud32c\ub370\ubbf9 \uc601\uc6c5 \ubcf4\uc0c1\ubc95(Pandemic Heroes Compensation Act)\uc73c\ub85c \uc54c\ub824\uc9c4 \uc774 \ubc95\uc548\uc740 9\/11 \ud14c\ub7ec \ud604\uc7a5\uc5d0 \ub300\uc751\ud55c \uc0ac\ub78c\ub4e4\uc5d0\uac8c \ubcf4\uc0c1\ud558\uae30 \uc704\ud55c \uc720\uc0ac\ud55c \ubc95\uc548\uc744 \ubaa8\ub378\ub85c \ud55c \uac83\uc774\ub77c\uace0 \ubbf8\uad6d \ud558\uc6d0\uc758\uc6d0 Carolyn B. Maloney(D-NY)\uc758 \ubcf4\ub3c4 \uc790\ub8cc\uc5d0<\/a> \ub530\ub974\uba74 \uc81c\uc548\ub41c \ubc95\uc548\uc740 \ud544\uc218 \uadfc\ub85c\uc790\uc640 \uadf8 \uac00\uc871\uc744 \ucd5c\ub300 5\ub144 \ub3d9\uc548 \uc704\ud55c \uac04\uc18c\ud654\ub41c \uc2e0\uccad \uc808\ucc28\uc640 \uc790\uae08\uc744 \uc81c\uacf5\ud55c\ub2e4\uace0 Susanne Sclafane<\/a> \uc740 Claims Journal\uc5d0 \uc37c\uc2b5\ub2c8\ub2e4. <\/p>\n\n

\uc2e0\uc885 \ucf54\ub85c\ub098\ubc14\uc774\ub7ec\uc2a4\ub294 \uc0b0\uc7ac\ubcf4\ud5d8\uc0ac\uc5d0 \uc0c8\ub85c\uc6b4 \ub3c4\uc804 \uacfc\uc81c\ub97c \uc81c\uc2dc\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc0ac\ud68c\uc801 \uac70\ub9ac\ub450\uae30\uc640 \uc678\ucd9c \uc790\uc81c\ub839\uc740 \ud544\uc218 \uadfc\ub85c\uc790\uac00 \ucf54\ub85c\ub098\ubc14\uc774\ub7ec\uc2a4\uc5d0 \uac10\uc5fc\ub420 \uc218 \uc788\ub294 \uc5c5\ubb34 \uc678 \uc0c1\ud669\uc744 \ud06c\uac8c \uc81c\ud55c\ud588\uc2b5\ub2c8\ub2e4. \ub178\ub3d9\uc790\ub4e4\uc774 \ubcd1\uc5d0 \uac78\ub838\uc744 \ub54c, \uadf8\ub4e4\uc774 \uc9c1\ubb34 \uc218\ud589\uc758 \uc77c\ud658\uc73c\ub85c \ubcd1\uc5d0 \uac78\ub838\uae30 \ub54c\ubb38\uc5d0 \uc0b0\uc7ac \ubcf4\uc0c1\uc744 \ubc1b\uc744 \uc790\uaca9\uc774 \uc788\ub2e4\ub294 \uc8fc\uc7a5\uc774 \uc124\ub4dd\ub825\uc744 \uc5bb\uc5c8\ub2e4\uace0, \uad6d\uc81c \uc0b0\uc5c5 \uc7ac\ud574 \uc704\uc6d0\ud68c \ubc0f \uc704\uc6d0\ud68c \ud611\ud68c(International Association of Industrial Accident Boards and Commissions)\uc758 \uc804\ubb34 \uc774\uc0ac\uc778 \uc81c\ub2c8\ud37c \uc6b8\ud504<\/a>\ub294 \ub9d0\ud55c\ub2e4. <\/p>\n\n

\uc77c\ubd80 \uc8fc\uc5d0\uc11c\ub294 \uc774\ubbf8 \uadfc\ub85c\uc790 \ubcf4\uc0c1 \ubcf4\ud5d8\uc0ac\uac00 \ud2b9\uc815 COVID-19 \uad00\ub828 \uccad\uad6c\ub97c \uc9c0\ubd88\ud558\ub3c4\ub85d \uc694\uad6c\ud558\ub294 \ubc95\uc548 \ub610\ub294 \ud589\uc815 \uba85\ub839\uc744 \ud1b5\uacfc\uc2dc\ucf30\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ubcf4\ud5d8 \ud68c\uc0ac\ub97c \uc704\ud55c \uc5f0\ubc29 \uae30\uae08 \ub610\ub294 \ubc31\uc2a4\ud1b1\uc740 \ubcf4\ud5d8\uc0ac\uc640 \ud53c\ubcf4\ud5d8\uc790 \ubaa8\ub450\uc5d0\uac8c \uc5b4\ub824\uc6b4 \uc2dc\uae30\uc5d0 \ud544\uc694\ud55c \uad6c\uc81c\ub97c \uc81c\uacf5\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n

\uc911\uc18c\uae30\uc5c5 \ubcf4\uc7a5\uc740 \uacbd\uc81c\uc801, \uc9c0\uc5ed\uc0ac\ud68c \uac74\uac15\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce69\ub2c8\ub2e4.<\/h3>\n\n

\uae30\uc5c5, \uc9c0\uc5ed \uc0ac\ud68c \ubc0f \uacbd\uc81c\uc5d0 \ub300\ud55c \uac00\uc7a5 \ud070 \uc6b0\ub824 \uc0ac\ud56d \uc911 \ud558\ub098\ub294 \ubcf4\ud5d8\uc774 \uc804\ud600 \uc5c6\ub294 \uc18c\uaddc\ubaa8 \uc0ac\uc5c5\uccb4\uc758 \uc218\uc785\ub2c8\ub2e4. \ubcf4\ud5d8\uc815\ubcf4\uc5f0\uad6c\uc18c(Insurance Information Institute)\ub294 \uc18c\uaddc\ubaa8 \uc0ac\uc5c5\uccb4\uc758 \uc57d 40%\uac00 \uc0ac\uc5c5 \uc911\ub2e8 \ubcf4\ud5d8\uc5d0 \uac00\uc785\ub418\uc5b4 \uc788\ub294 \uac83\uc73c\ub85c \ucd94\uc815<\/a> \ud558\uba70, \uc774\ub294 \uc808\ubc18 \uc774\uc0c1\uc774 \ubcf4\ud5d8\uc5d0 \uac00\uc785\ud558\uc9c0 \uc54a\uc558\ub2e4\ub294 \uac83\uc744 \uc758\ubbf8\ud569\ub2c8\ub2e4. <\/p>\n\n

\ubcf4\ud5d8\uc5d0 \uac00\uc785\ud55c \uc0ac\uc5c5\uccb4\ub294 \uc0ac\uc5c5 \uc190\uc2e4\uc744 \ud574\uacb0\ud558\uace0, \uc5c5\ubb34 \ubc0f \uace0\uac1d \uacf5\uac04\uc744 \uc18c\ub3c5\ud558\uace0, \uc548\uc804\ud55c \uc601\uc5c5 \uc7ac\uac1c\ub97c \uc900\ube44\ud558\ub294 \ub370 \ud544\uc694\ud55c \ubcf4\uc7a5\uc744 \ubc1b\ub294 \ub370 \uc5b4\ub824\uc6c0\uc744 \uacaa\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \ubcf4\ud5d8\uc5d0 \uac00\uc785\ud558\uc9c0 \uc54a\uc740 \uc0ac\ub78c\ub4e4\uc740 \ud30c\uc0b0\ud560 \uac00\ub2a5\uc131\uc774 \ud6e8\uc52c \ub354 \ub192\uc73c\uba70, \uc774\ub294 \uc9c0\uc5ed \uc0ac\ud68c\uc640 \uacbd\uc81c\uc5d0 \ud30c\uae09 \ud6a8\uacfc\ub97c \uc77c\uc73c\ud0b5\ub2c8\ub2e4. \uc5b4\ub824\uc6c0\uc744 \uacaa\uace0 \uc788\ub294 \uc911\uc18c\uae30\uc5c5\uc5d0 \uad50\uc721\uacfc \uc870\uc5b8\uc744 \uc81c\uacf5\ud558\ub294 \ubcf4\ud5d8 \ud68c\uc0ac\ub294 \ucda9\uc131\ub3c4\ub97c \ub192\uc774\uace0 \uc9c0\uc5ed \uacbd\uc81c\ub97c \uc548\uc815\uc2dc\ud0a4\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n

\uc2e0\uc885 \ucf54\ub85c\ub098\ubc14\uc774\ub7ec\uc2a4\ub294 \uc55e\uc73c\ub85c \uba87 \ub2ec \ub610\ub294 \uba87 \ub144 \ub3d9\uc548 \uc6b0\ub824\uac00 \ub420 \uac83\uc785\ub2c8\ub2e4. \uadf8 \uacb0\uacfc, \uc5f0\ubc29 \uc815\ubd80\uc640 \ubcf4\ud5d8 \ud68c\uc0ac \ubaa8\ub450 \ud5a5\ud6c4 \uacc4\ud68d\uc744 \uc138\uc6b8 \ub54c \ubc14\uc774\ub7ec\uc2a4\uc640 \uadf8 \uc601\ud5a5\uc744 \uace0\ub824\ud574\uc57c \ud569\ub2c8\ub2e4. \ubcf4\ud5d8\uc744 \uc548\uc815\ud654\ud558\uace0 \uae30\uc5c5\uc774 \ud32c\ub370\ubbf9 \uad00\ub828 \uc190\uc2e4\uc744 \ud6a8\uacfc\uc801\uc73c\ub85c \ucc98\ub9ac\ud560 \uc218 \uc788\ub3c4\ub85d \ud558\uae30 \uc704\ud574\uc11c\ub294 \ubc95\ub960, \uc815\ubd80 \uaddc\uc815 \ubcc0\uacbd \ubc0f \ubcf4\ud5d8 \ud68c\uc0ac \uc5c5\ubb34\uc758 \uc870\ud569\uc774 \ud544\uc694\ud560 \uac83\uc785\ub2c8\ub2e4.<\/p>\n\n

\uc774\ubbf8\uc9c0 \uc791\uc131\uc790: mkphotoshu\/\u00a9123RF.com, Dan Grytsku\/\u00a9123RF.com, golffywatt\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

COVID-19 \ud32c\ub370\ubbf9\uc73c\ub85c \uc778\ud574 \uae30\uc5c5\ub4e4\uc740 \ube44\uc988\ub2c8\uc2a4 \uc190\uc2e4\uc5d0\uc11c \uc791\uc5c5 \uacf5\uac04 \uc18c\ub3c5\uc5d0 \uc774\ub974\uae30\uae4c\uc9c0 \ub2e4\uc591\ud55c \ube44\uc6a9\uc5d0 \ub300\ud55c \ub3c4\uc6c0\uc744 \ubc1b\uae30 \uc704\ud574 \ubcf4\ud5d8\uc0ac\uc5d0 \uc55e\ub2e4\ud248 \ub3c4\uc6c0\uc744 \uc694\uccad\ud588\uc2b5\ub2c8\ub2e4. \ud55c\ud3b8 \ubcf4\ud5d8 \ud68c\uc0ac\ub4e4\uc740 \ubc00\ub824\ub4dc\ub294 \ubcf4\ud5d8\uae08 \uccad\uad6c\ub97c \uad00\ub9ac\ud560 \uc218 \uc788\ub294 \uc0c8\ub85c\uc6b4 \ubc29\ubc95\uc744 \ubaa8\uc0c9\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ud32c\ub370\ubbf9\uc5d0 \ub300\ud55c \ub2e4\uc591\ud55c \uc5f0\ubc29 \uc815\ubd80\uc758 \ub300\uc751\uc740 \ubcf4\ud5d8 \ud68c\uc0ac\uac00 \uc774 \ubb38\uc81c\ub97c \ud574\uacb0\ud558\ub294 \ubc29\uc2dd\uc5d0 \uc601\ud5a5\uc744 \ubbf8\ucce4\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ub300\uc751\uc774 \uacc4\uc18d \uad6c\uccb4\ud654\ub428\uc5d0 \ub530\ub77c \uc190\ud574 \ubcf4\ud5d8\uc0ac\ub4e4\uc740 \ubcf4\ud5d8\uacfc […]<\/p>\n","protected":false},"featured_media":8578,"template":"","insight-category":[],"class_list":["post-18443","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/ko\/wp-json\/wp\/v2\/insight\/18443","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bolttech.io\/ko\/wp-json\/wp\/v2\/insight"}],"about":[{"href":"https:\/\/bolttech.io\/ko\/wp-json\/wp\/v2\/types\/insight"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bolttech.io\/ko\/wp-json\/wp\/v2\/media\/8578"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/ko\/wp-json\/wp\/v2\/media?parent=18443"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/ko\/wp-json\/wp\/v2\/insight-category?post=18443"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}