{"id":19432,"date":"2024-09-20T09:39:46","date_gmt":"2024-09-20T14:39:46","guid":{"rendered":"https:\/\/bolttech.io\/insight\/covid-19%ec%99%80-%eb%b3%b4%ed%97%98-%ec%82%b0%ec%97%85-%ec%9a%b0%eb%a6%ac%eb%8a%94-%ec%96%b4%eb%94%94%ec%97%90-%ec%84%9c-%ec%9e%88%ec%8a%b5%eb%8b%88%ea%b9%8c\/"},"modified":"2024-09-20T09:39:54","modified_gmt":"2024-09-20T14:39:54","slug":"covid-19%ec%99%80-%eb%b3%b4%ed%97%98-%ec%82%b0%ec%97%85-%ec%9a%b0%eb%a6%ac%eb%8a%94-%ec%96%b4%eb%94%94%ec%97%90-%ec%84%9c-%ec%9e%88%ec%8a%b5%eb%8b%88%ea%b9%8c","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/ko\/insights\/covid-19%ec%99%80-%eb%b3%b4%ed%97%98-%ec%82%b0%ec%97%85-%ec%9a%b0%eb%a6%ac%eb%8a%94-%ec%96%b4%eb%94%94%ec%97%90-%ec%84%9c-%ec%9e%88%ec%8a%b5%eb%8b%88%ea%b9%8c\/","title":{"rendered":"COVID-19\uc640 \ubcf4\ud5d8 \uc0b0\uc5c5: \uc6b0\ub9ac\ub294 \uc5b4\ub514\uc5d0 \uc11c \uc788\uc2b5\ub2c8\uae4c?"},"content":{"rendered":"\n<p>\ubbf8\uad6d\uc744 \ube44\ub86f\ud55c \ub9ce\uc740 \uad6d\uac00\uc758 \uc0ac\ub78c\ub4e4\uc740 \uacc4\uc18d\ud574\uc11c COVID-19\ub97c \uc77c\uc0c1\uc73c\ub85c \ubc1b\uc544\ub4e4\uc774\uace0 \uc788\uc2b5\ub2c8\ub2e4.\n\uadf8\ub7ec\ub098 \ud32c\ub370\ubbf9\uc774 \uc2dc\uc791\ub41c \uc9c0 1\ub144\uc774 \uc9c0\ub09c \uc9c0\uae08, \ubcf4\ud5d8\uc0ac\ub4e4\uc740 \uc6b0\ub9ac\uc758 \ucd08\uae30 \uc608\uce21 \uc911 \uc5b4\ub5a4 \uac83\uc774 \uc2e4\ud604\ub418\uc5c8\ub294\uc9c0 \ud3c9\uac00\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n\uadf8\ub4e4\uc740 \ub610\ud55c \uc804\uc5fc\ubcd1\uc5d0 \ub300\ud55c \uc790\uc2e0\uc758 \ub300\uc751\uc744 \ud3c9\uac00\ud558\uace0 \ub0b4\ub144 \uacc4\ud68d\uc744 \uc138\uc6b8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.  <\/p>\n\n<h2 class=\"wp-block-heading\">\uc6b0\ub9ac\uc758 \uc608\uce21\uc774 \uc5b4\ub5bb\uac8c \uc774\ub8e8\uc5b4\uc84c\ub294\uc9c0, \ub610\ub294 \uadf8\ub807\uc9c0 \uc54a\uc558\ub294\uc9c0<\/h2>\n\n<p><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\">\ud3f4 \ub12c\uc2a8(Paul Nelson<\/a> )\uacfc \ub51c\ub85c\uc774\ud2b8(Deloitte)\uc758 \uc5f0\uad6c\uc6d0\ub4e4\uc740 2020\ub144\uc5d0 \ucf54\ub85c\ub09819\uac00 \uc5ec\ub7ec \uac00\uc9c0 \ubc29\uc2dd\uc73c\ub85c \uc804\uac1c\ub420 \uc218 \uc788\ub2e4\uace0 \uc608\uce21\ud588\uc2b5\ub2c8\ub2e4.\n\uc5f0\uad6c\ud300\uc740 \ucf54\ub85c\ub09819\uc5d0 \ub300\ud55c \ubcf4\ud5d8\uc0ac\uc640 \uace0\uac1d\uc758 \ub300\uc751 \uac00\ub2a5\uc131\uc744 \ubaa8\ub450 \uace0\ub824\ud55c 4\uac00\uc9c0 \uc2dc\ub098\ub9ac\uc624\ub97c \uc0c1\uc815\ud588\ub2e4. <\/p>\n\n<p>\uc774\ub7ec\ud55c \uc2dc\ub098\ub9ac\uc624\ub294 \uc544\uc9c1 \uac1c\ubc1c \uc911\uc774\uc9c0\ub9cc, \ub51c\ub85c\uc774\ud2b8 \ud300\uc740 \uc774\ubbf8 \uace0\uac1d\uc758 \ubcf4\ud5d8 \uad6c\ub9e4 \ubc29\uc2dd\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce58\uace0 \uc788\ub294 \uace0\uac1d \ud589\ub3d9\uc758 6\uac00\uc9c0 \uad6c\uccb4\uc801\uc778 \ubcc0\ud654\ub97c \uc608\uce21\ud588\uc2b5\ub2c8\ub2e4.\n\uc774\ub7ec\ud55c \ubcc0\uacbd \uc0ac\ud56d\uc740 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4. <\/p>\n\n<ul class=\"wp-block-list\">\n<li>\uc9d1\uc5d0 \uba38\ubb34\ub974\ub294 \uac83\uc744 \uc120\ud638\ud569\ub2c8\ub2e4.<\/li>\n\n\n\n<li>\uc800\ub834\ud55c \uc635\uc158\uc5d0 \ub300\ud55c \uc0c8\ub85c\uc6b4 \uad00\uc2ec.<\/li>\n\n\n\n<li>\uc628\ub77c\uc778 \uc1fc\ud551 \uc99d\uac00.<\/li>\n\n\n\n<li>\uac74\uac15\uacfc \uc6f0\ube59\uc744 \uc6b0\uc120\uc2dc\ud569\ub2c8\ub2e4.<\/li>\n\n\n\n<li>\uccad\uacb0\uc5d0 \ub300\ud55c \uae30\ub300.<\/li>\n\n\n\n<li>\ud604\uc9c0\uc5d0\uc11c \uad6c\uc785\ud558\ub294 \uac83\uc744 \uc120\ud638\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n\n<p>\uc774\ub7ec\ud55c \ubaa8\ub4e0 \ubcc0\ud654\ub294 \uace0\uac1d\uc774 \uac00\uc815\uc774\ub098 \ube44\uc988\ub2c8\uc2a4\uc5d0 \ud544\uc694\ud55c \ubcf4\ud5d8\uc744 \uad6c\ub9e4\ud558\uae30 \uc704\ud55c \ub514\uc9c0\ud138 \uc635\uc158\uc744 \uc120\ud0dd\ud558\ub3c4\ub85d \uc720\ub3c4\ud558\ub294 \uacbd\ud5a5\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n<p>\uc77c\ubd80 \ubcf4\ud5d8\ub8cc\ub294 COVID-19 \ud32c\ub370\ubbf9 \uc774\uc804\ubd80\ud130 \uc0c1\uc2b9 \ucd94\uc138\uc5d0 \uc788\uc5c8\uc73c\uba70, \uc77c\uc0dd\uc5d0 \ud55c \ubc88\ubfd0\uc778 \uae00\ub85c\ubc8c \uc774\ubca4\ud2b8\ub3c4 \uc774\ub7ec\ud55c \ucd94\uc138\ub97c \ubc14\uafb8\uc9c0 \ubabb\ud588\uc2b5\ub2c8\ub2e4.\n\uc608\ub97c \ub4e4\uc5b4, \uc0c1\uc5c5\uc6a9 \uc790\ub3d9\ucc28 \ubcf4\ud5d8\ub8cc\ub294 2020\ub144\uae4c\uc9c0 \uacc4\uc18d \uc0c1\uc2b9\ud588\ub294\ub370, \uadf8 \uc774\uc720\ub294 &#8220;\ubcf4\ud5d8\ub8cc \uc778\uc0c1\uc774 \uc190\uc2e4 \ucd94\uc138\ub97c \ub530\ub77c\uc7a1\uc9c0 \ubabb\ud588\uae30 \ub54c\ubb38&#8221;\uc774\ub77c\uace0 Liberty Mutual Insurance\uc758 \uae00\ub85c\ubc8c \ub9ac\uc2a4\ud06c \uc194\ub8e8\uc158 \ucd5c\uace0 \uc5b8\ub354\ub77c\uc774\ud305 \ucc45\uc784\uc790\uc778 <a href=\"https:\/\/viewpoint.libertymutualgroup.com\/article\/covid-19s-impact-on-the-property-and-casualty-market-key-predictions-and-how-to-respond\/\" target=\"_blank\" rel=\"noreferrer noopener\">David Perez<\/a>\ub294 \ub9d0\ud569\ub2c8\ub2e4. <\/p>\n\n<p>\uc5ec\ub7ec \ub3c4\uc2dc\uc640 \uc8fc\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce58\ub294 \uc790\ud0dd \ub300\uae30 \uba85\ub839\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0 \uc0c1\uc5c5\uc6a9 \uc790\ub3d9\ucc28 \ubcf4\ud5d8\uc758 \uc9c0\uc18d\uc801\uc778 \uc99d\uac00\ub294 \ub2e4\uc18c \uc9c1\uad00\uc801\uc774\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4.\n\uadf8\ub7ec\ub098 \ud398\ub808\uc988\ub294 \ub3c4\ub85c\ub97c \ub2ec\ub9ac\ub294 \ucc28\ub7c9\uc758 \uc218\ub294 \uc904\uc5c8\uc9c0\ub9cc \uc694\uae08\uc740 \ubcc0\ud558\uc9c0 \uc54a\uc558\ub2e4\uace0 \uc9c0\uc801\ud55c\ub2e4. <\/p>\n\n<p>\ubcf4\ud5d8\ub8cc\ub294 \uc790\ub3d9\ucc28 \uccad\uad6c \uac74\uc218\ub9cc \uc601\ud5a5\uc744 \ubc1b\ub294 \uac83\uc774 \uc544\ub2c8\ub77c\uace0 \uadf8\ub294 \uc124\uba85\ud569\ub2c8\ub2e4.\n\ud145 \ube48 \ub3c4\ub85c\uc5d0\uc11c \ubb34\ubaa8\ud55c \uc6b4\uc804\uc73c\ub85c \uc778\ud55c \ub354 \ub9ce\uc740 \uc0ac\uace0\uc640 \uc810\uc810 \ub354 \ub9ce\uc740 \ubcf5\uc7a1\ud55c \uae30\uc220 \ubd80\ud488\uc774 \uc788\ub294 \ucc28\ub7c9\uc5d0 \ub300\ud55c \ub354 \ube44\uc2fc \uc218\ub9ac\ub85c \uc778\ud55c \uc0ac\uace0\ub294 \ubaa8\ub450 \ub3c4\ub85c\ub97c \ub2ec\ub9ac\ub294 \uc804\uccb4 \ucc28\ub7c9 \uc218\uac00 \uac10\uc18c\ud588\uc74c\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0 \uc0c1\uc5c5\uc6a9 \uc790\ub3d9\ucc28 \uc694\uae08\uc744 \uacc4\uc18d \uc0c1\uc2b9\uc2dc\ud0a4\ub294 \ub370 \uc791\uc6a9\ud588\uc2b5\ub2c8\ub2e4. <\/p>\n\n<p>\uc0c1\uc6a9\ucc28\ub294 \ub610\ud55c \ub3c4\ub85c \uad50\ud1b5\ub7c9\uc758 \uc804\ubc18\uc801\uc778 \uac10\uc18c\uc5d0 \ub300\ud55c \uc608\uc678\ub97c \ub098\ud0c0\ub0c5\ub2c8\ub2e4.\n\ub9ce\uc740 \uac1c\uc778 \uc6b4\uc804\uc790\ub4e4\uc774 \uc9d1\uc5d0 \uba38\ubb3c\ub800\uc9c0\ub9cc, \uc0c1\uc5c5 \uc6b4\uc804\uc790\ub4e4\uc740 \uc2dd\ud488, \uc758\uc57d\ud488 \ubc0f \uc18c\ub9e4 \ud488\ubaa9\uc744 \uc9d1\uc73c\ub85c \ubc30\ub2ec\ud558\ub290\ub77c \ud32c\ub370\ubbf9 \uc774\uc804\ubcf4\ub2e4 \ub354 \ubc14\ube74\uc2b5\ub2c8\ub2e4. <\/p>\n\n<p>\uc7ac\uc0b0 \ubcf4\ud5d8\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce58\ub294 \ud2b9\uc815 \uc608\uce21\ub3c4 \uc9c4\ud589\ub418\uc5c8\uc2b5\ub2c8\ub2e4.\n\uc608\ub97c \ub4e4\uc5b4, 2020\ub144 \ubd04\uc5d0 \ub9ce\uc740 \uc804\ubb38\uac00\ub4e4\uc774 \ube44\uc815\uc0c1\uc801\uc73c\ub85c \ud65c\ub3d9\uc801\uc778 \ud5c8\ub9ac\ucf00\uc778 \uc2dc\uc98c\uc774 \ub2e4\uac00\uc624\uace0 \uc788\ub2e4\uace0 \uacbd\uace0\ud588\ub2e4\uace0 \uce90\ub864 <a href=\"https:\/\/www.sciencenews.org\/article\/weather-forecasters-predict-very-active-2020-atlantic-hurricane-season\" target=\"_blank\" rel=\"noreferrer noopener\">\ub9b0 \uadf8\ub7a8\ub9c1(Carolyn Gramling<\/a> )\uc740 \uc0ac\uc774\uc5b8\uc2a4 \ub274\uc2a4(Science News)\uc5d0 \uc37c\uc2b5\ub2c8\ub2e4.\n\uc62c\ud574 \ud5c8\ub9ac\ucf00\uc778 \uc2dc\uc98c\uc774 \ub05d\ub0a0 \ubb34\ub835 \ubbf8\uad6d \uad6d\ub9bd\ud574\uc591\ub300\uae30\uccad(NOAA)\uc740 2020\ub144\uc5d0 &#8220;\ubbf8\uad6d \ubcf8\ud1a0\uc5d0\uc11c \uae30\ub85d\uc801\uc778 30\uac1c\uc758 \ud3ed\ud48d\uacfc 12\uac1c\uc758 \uc0c1\ub959 \ud3ed\ud48d&#8221;\uc774 \uc788\uc5c8\ub2e4\uace0 \uc9c0\uc801\ud558\uba74\uc11c &#8220;\ub9e4\uc6b0 \ud65c\ub3d9\uc801&#8221;\uc774\ub77c\uace0 \uba85\uba85\ud588\uc2b5\ub2c8\ub2e4.  <\/p>\n\n<p>NOAA \uae30\ud6c4 \uc608\uce21 \uc13c\ud130\uc758 \ud5c8\ub9ac\ucf00\uc778 \uae30\ud6c4 \uc804\ubb38\uac00\uc774\uc790 \uc5f0\uad6c \uae30\uc0c1\ud559\uc790\uc778 <a href=\"https:\/\/www.noaa.gov\/media-release\/record-breaking-atlantic-hurricane-season-draws-to-end\" target=\"_blank\" rel=\"noreferrer noopener\">\uac8c\ub9ac \ubca8(Gary Bell) \ubc15\uc0ac\ub294<\/a> \ub2e4\uc591\ud55c \uc870\uac74\uc774 &#8220;\uc774 \uae30\ub85d\uc801\uc774\uace0 \uadf9\ub3c4\ub85c \ud65c\ub3d9\uc801\uc778 \ud5c8\ub9ac\ucf00\uc778 \uc2dc\uc98c\uc744 \uac00\ub2a5\ud558\uac8c \ud558\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub418\uc5c8\ub2e4&#8221;\uace0 \ub9d0\ud569\ub2c8\ub2e4.\n\ud65c\ubc1c\ud55c \ud5c8\ub9ac\ucf00\uc778 \uc2dc\uc98c\uc740 \ub9ce\uc740 \ubcf4\ud5d8\uc0ac\ub4e4\uc774 \uc8fc\uac70\uc6a9 \ubc0f \uc0c1\uc5c5\uc6a9 \ubd80\ub3d9\uc0b0 \ubcf4\ud5d8\uc5d0 \ub300\ud55c \uc704\ud5d8\uc744 \uacc4\uc0b0\ud558\uace0 \uadf8\uc5d0 \ub530\ub77c \uac00\uaca9\uc744 \uc124\uc815\ud558\ub824\ub294 \uc2dc\ub3c4\uc5d0 \uc601\ud5a5\uc744 \ubbf8\ucce4\uc2b5\ub2c8\ub2e4. <\/p>\n\n<figure class=\"wp-block-image aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"691\" src=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/elbow-bump-greeting-1024x691.jpg\" alt=\"\" class=\"wp-image-9506\" srcset=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/elbow-bump-greeting-1024x691.jpg 1024w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/elbow-bump-greeting-300x203.jpg 300w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/elbow-bump-greeting-768x518.jpg 768w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/elbow-bump-greeting.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n<h2 class=\"wp-block-heading\">\ud32c\ub370\ubbf9 \uae30\uac04 \ub3d9\uc548 \ubcf4\ud5d8\uc0ac\uc758 \uc131\uacf5<\/h2>\n\n<p>\ubcf4\ud5d8 \ud68c\uc0ac\ub4e4\uc740 \ud32c\ub370\ubbf9 \uae30\uac04 \ub3d9\uc548 \ub514\uc9c0\ud138 \uae30\ubc18\uc73c\ub85c\uc758 \uc804\ud658\uc744 \uc11c\ub450\ub974\uace0 \uc788\uc2b5\ub2c8\ub2e4.\nP&amp;C \ubcf4\ud5d8 \ud68c\uc0ac\ub294 \ub514\uc9c0\ud138 \ud2b8\ub79c\uc2a4\ud3ec\uba54\uc774\uc158 \uc77c\uc815\uc744 \uc55e\ub2f9\uae40\uc73c\ub85c\uc368 \uc7a5\uae30\uc801\uc778 \ube44\uc988\ub2c8\uc2a4 \ubaa9\ud45c\ub97c \ub2ec\uc131\ud558\uae30 \uc704\ud55c \ucd5c\uc120\uc758 \uc870\uce58\ub97c \ucde8\ud588\uc744 \uc218\ub3c4 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n<p>&#8220;\ucf54\ub85c\ub09819\ub85c \uc778\ud574 \ud601\uc2e0\uc801\uc778 \ucd08\uae30 \ub514\uc9c0\ud138 \uc194\ub8e8\uc158\uacfc \uc11c\ube44\uc2a4\uc5d0 \ub300\ud55c \ud544\uc694\uc131\uc774 \ud45c\uc900 \ubcf4\ud5d8 \uc0b0\uc5c5 \uc6b4\uc601\uc758 \ucd5c\uc804\uc120\uc73c\ub85c \ub5a0\uc62c\ub790\uc2b5\ub2c8\ub2e4&#8221;\ub77c\uace0 TransUnion\uc758 \uc218\uc11d \ubd80\uc0ac\uc7a5 \uacb8 \ubcf4\ud5d8 \ube44\uc988\ub2c8\uc2a4 \ucc45\uc784\uc790\uc778 <a href=\"https:\/\/www.globenewswire.com\/news-release\/2020\/12\/17\/2146947\/0\/en\/COVID-19-s-Impact-on-the-Insurance-Industry-Will-Continue-Well-into-2021.html\" target=\"_blank\" rel=\"noreferrer noopener\">Mark McElroy<\/a>\ub294 \ub9d0\ud569\ub2c8\ub2e4.\n\uc0c8\ub85c\uc6b4 \uc720\ud1b5 \uc635\uc158\uc744 \uc218\uc6a9\ud568\uc73c\ub85c\uc368 \ubcf4\ud5d8\uc0ac\ub294 \uace0\uac1d\uc774 \uc788\ub294 \uacf3\uc5d0\uc11c \uace0\uac1d\uc744 \ub9cc\ub0a0 \uc218 \uc788\ub294 \uc785\uc9c0\ub97c \ub2e4\uc84c\uc2b5\ub2c8\ub2e4. <\/p>\n\n<p>\ub9ce\uc740 \uc0ac\ub78c\ub4e4\uc5d0\uac8c \uc0ac\ud68c\uc801 \uac70\ub9ac\ub450\uae30\ub294 \ud544\uc218\uc5d0\uc11c \uc2b5\uad00\uc73c\ub85c \ubc14\ub00c\uace0 \uc788\uc2b5\ub2c8\ub2e4.\n\ud32c\ub370\ubbf9\uc774 \uc7a6\uc544\ub4e4\ub354\ub77c\ub3c4 \uc774\ub7ec\ud55c \uace0\uac1d\ub4e4\uc740 \ubcf4\ud5d8\uc5d0 \uac00\uc785\ud558\uae30 \uc704\ud574 \uc628\ub77c\uc778 \uc635\uc158\uc744 \ub9e4\uc6b0 \uc120\ud638\ud560 \uc218 \uc788\uc73c\uba70, \uc628\ub77c\uc778 \uc720\ud1b5\uc744 \uc81c\uacf5\ud558\uc9c0 \uc54a\ub294 \ubcf4\ud5d8\uc0ac\ub97c \uae30\ud53c\ud560 \uc218\ub3c4 \uc788\uc2b5\ub2c8\ub2e4.\n\ub530\ub77c\uc11c \uace0\uac1d \uce5c\ud654\uc801\uc778 \ub514\uc9c0\ud138 \uc720\ud1b5\uc5d0 \uc911\uc810\uc744 \ub454 \ubcf4\ud5d8 \ud68c\uc0ac\ub294 \uc774\ub7ec\ud55c \uc18c\ube44\uc790 \uc2b5\uad00\uc758 \ubcc0\ud654\ub97c \ud65c\uc6a9\ud560 \uc218 \uc788\ub294 \uc704\uce58\uc5d0 \uc788\uc2b5\ub2c8\ub2e4.  <\/p>\n\n<p>\ub610\ud55c \ubcf4\ud5d8 \ud68c\uc0ac\ub294 \ub514\uc9c0\ud138 \ub3c4\uad6c\ub97c \ud65c\uc6a9\ud558\uc5ec \uc9c1\uc6d0\uc774 \uc9c1\uba74\ud55c \uc704\ud5d8\uc744 \uc904\uc600\uc2b5\ub2c8\ub2e4.<\/p>\n\n<p>&#8220;\ud5ec\uc2a4\ucf00\uc5b4, \uc811\uac1d\uc5c5, \uc5d4\ud130\ud14c\uc778\uba3c\ud2b8 \ubc0f \ub808\uc2a4\ud1a0\ub791 \uc0b0\uc5c5\uacfc \uac19\uc774 \uc6b4\uc1a1\uc5c5\uccb4\uac00 \ub354 \uc2e0\uc911\ud55c \uc77c\ubd80 \uc0b0\uc5c5\uc774 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc8fc\uc694 \ubcf4\ud5d8\uc0ac \uc911 \ud55c \uacf3\uc758 \uc784\uc6d0\uc740 \uc0c8\ub85c\uc6b4 \uc0ac\uc5c5\uc744 \uc791\uc131\ud560 \ub54c \ubcf4\ud5d8\uae08 \uccad\uad6c\uc5d0 \ud718\ub9d0\ub9ac\uace0 \uc2f6\uc9c0 \uc54a\ub2e4\uace0 \ub9d0\ud588\uc2b5\ub2c8\ub2e4&#8221;\ub77c\uace0 \uae00\ub85c\ubc8c \ubcf4\ud5d8 \uc911\uac1c\uc5c5\uccb4 Gallagher\uc758 \ubd80\uc0ac\uc7a5 \uacb8 \uc2dc\uc7a5 \uad00\uacc4 \ucc45\uc784\uc790\uc778 <a href=\"http:\/\/www.rmmagazine.com\/2020\/05\/01\/hard-times-hard-market\/\" target=\"_blank\" rel=\"noreferrer noopener\">B. Puckett<\/a>\uc740 \ub9d0\ud569\ub2c8\ub2e4.\n\uc778\ub825\uc744 \ubcf4\ud638\ud558\uae30 \uc704\ud574 \ubcf4\ud5d8\uc0ac\ub4e4\uc740 \uc7ac\ud0dd \uadfc\ubb34 \uad00\ud589\uacfc \ub3c4\uad6c\ub97c \uc218\uc6a9\ud588\uc2b5\ub2c8\ub2e4. <\/p>\n\n<p>\uc7ac\uc0b0 \ubc0f \uc0c1\ud574 \ubcf4\ud5d8 \uc0b0\uc5c5 \uc804\uccb4\ub294 \uac00\uae4c\uc6b4 \uc7a5\ub798\uc5d0 \uc548\uc815\uc801\uc73c\ub85c \uc720\uc9c0\ub420 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4.\n\uc2a4\ud0e0\ub354\ub4dc\uc564\ub4dc\ud478\uc5b4\uc2a4(S&amp;P)\ub294 \uc774 \ubd80\ubb38 \ubcf4\ud5d8\uc0ac\uc758 95%\uac00 \uc548\uc815\uc131\uc744 <a href=\"https:\/\/www.gccapitalideas.com\/2020\/08\/13\/standard-poors-outlook-on-covid-19-part-two-u-s-property-casualty-insurance-sector-outlook\/\" target=\"_blank\" rel=\"noreferrer noopener\">\uc720\uc9c0\ud560 \uac83\uc73c\ub85c \uc608\uce21<\/a> \ud588\ub2e4.\n\uc548\uc815\uc131\uc5d0 \ub300\ud55c \uc608\uce21\uc740 \ud50c\ub7ec\uc2a4 \uc131\uc7a5\uc5d0 \ub300\ud55c \uc608\uce21\ubcf4\ub2e4 \ub2e4\uc18c \ub35c \ub099\uad00\uc801\uc774\uc9c0\ub9cc, P&amp;C \ubcf4\ud5d8\uc0ac\ub4e4\uc740 2020\ub144 \ucd08 \ubcf4\ud5d8 \uc720\ud1b5 \ubc0f \uc778\uc218 \ud68c\uc0ac\uc778 MarketScout\uc758 CEO\uc778 <a href=\"https:\/\/www.businessinsurance.com\/article\/20200406\/NEWS06\/912333887\/US-commercial-insurance-pricing-impact-of-COVID-19-likely-%E2%80%98dramatic%E2%80%99-MarketScout\" target=\"_blank\" rel=\"noreferrer noopener\">Richard Kerr<\/a>\uac00 \uc81c\uc2dc\ud55c \uac83\uacfc \uac19\uc774 \ud32c\ub370\ubbf9\uc774 \uac00\uaca9 \ucc45\uc815\uc5d0 \ubbf8\uce58\ub294 \uc601\ud5a5\uc5d0 \ub300\ud55c \ub354 \uc2ec\uac01\ud55c \uc608\uce21\uc744 \ud53c\ud588\uc2b5\ub2c8\ub2e4.  <\/p>\n\n<p>\ucee4 \uc560\ub110\ub9ac\uc2a4\ud2b8\ub294 &#8220;\ub0ae\uc740 \uc775\uc2a4\ud3ec\uc800 \uae30\ubc18\uacfc \ubcf4\ud5d8 \uc801\uc6a9\uc5d0 \ub300\ud55c \uc815\ubd80 \uac1c\uc785 \uac00\ub2a5\uc131\uc740 \uc62c\ud574 \ub0a8\uc740 \uae30\uac04 \ub3d9\uc548 \uac00\uaca9 \ucc45\uc815\uc5d0 \uadf9\uc801\uc778 \uc601\ud5a5\uc744 \ubbf8\uce60 \uac83&#8221;\uc774\ub77c\uace0 \uc608\uce21\ud588\ub2e4.\n\ub9ce\uc740 \ubcf4\ud5d8\ub8cc\uac00 \uc778\uc0c1\ub418\uc5c8\uc9c0\ub9cc, P&amp;C \ubcf4\ud5d8\uc740 \uc804\ubc18\uc801\uc73c\ub85c \ucf54\ub85c\ub09819 \ud32c\ub370\ubbf9\uc744 \ucd08\uae30 \uc608\uce21\ubcf4\ub2e4 \ub354 \uc798 \uacac\ub38c\ub0c8\uc2b5\ub2c8\ub2e4. <\/p>\n\n<figure class=\"wp-block-image aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"724\" src=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/people-high-fiving-1024x724.jpg\" alt=\"\" class=\"wp-image-9496\" srcset=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/people-high-fiving-1024x724.jpg 1024w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/people-high-fiving-300x212.jpg 300w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/people-high-fiving-768x543.jpg 768w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/people-high-fiving.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n<h2 class=\"wp-block-heading\">\ubcf4\ud5d8\uc0ac\uc640 \uace0\uac1d\uc758 COVID-19 \uacbd\ud5d8\uc774 \ube44\uc988\ub2c8\uc2a4\uc5d0 \ub300\ud55c \uc811\uadfc \ubc29\uc2dd\uc744 \uc5b4\ub5bb\uac8c \ubcc0\ud654\uc2dc\ud0ac\uc9c0<\/h2>\n\n<p>\ud32c\ub370\ubbf9\uc73c\ub85c \uc778\ud574 \uace0\uac1d\ub4e4\uc740 COVID-19 \ubc0f \uae30\ud0c0 \uc704\ud5d8\uc5d0 \uc9c1\uba74\ud588\uc744 \ub54c \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud558\ub294 \ubcf4\uc7a5\uc744 \uc720\uc9c0\ud558\uba74\uc11c \ube44\uc6a9\uc744 \uc808\uac10\ud560 \uc218 \uc788\ub294 \ubc29\ubc95\uc744 \ucc3e\uace0 \uc788\uc2b5\ub2c8\ub2e4.\n\ubcf4\ud5d8 \ud68c\uc0ac\ub294 \ud32c\ub370\ubbf9 \uc774\ud6c4 \ubcf4\uc7a5\uacfc \uad00\ub828\ud558\uc5ec \uace0\uac1d\uc758 \uad00\uc810\uc744 \uc774\ud574\ud558\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub420 \uac83\uc785\ub2c8\ub2e4. <\/p>\n\n<p>COVID-19 \ubc0f \ubcf4\ud5d8 \uc801\uc6a9 \ubc94\uc704\uc5d0 \ub300\ud55c \uc18c\ube44\uc790\uc758 \uae30\ub300\ub97c \uc778\uc815\ud558\ub294 \uac83\uc740 \ubcf4\ud5d8 \ud68c\uc0ac\uc5d0 \ud544\uc218\uc801\uc785\ub2c8\ub2e4.\n\uacbd\uc6b0\uc5d0 \ub530\ub77c \uc774\ub294 \ubc14\uc774\ub7ec\uc2a4 \uc804\uc5fc\ubcd1\uc5d0 \ub300\ud55c \ubcf4\uc7a5\uc744 \uc81c\uacf5\ud558\ub294 \uac83\uc744 \uc758\ubbf8\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub2e4\ub978 \uacbd\uc6b0\uc5d0\ub294 \uc815\ucc45\uc774 \uc5b4\ub5a4 \uc720\ud615\uc758 \uc804\uc5fc\ubcd1 \uc0c1\ud669\uc744 \ub2e4\ub8e8\uac70\ub098 \ub2e4\ub8e8\uc9c0 \uc54a\ub294\uc9c0\uc5d0 \ub300\ud574 \uace0\uac1d\uc744 \uad50\uc721\ud558\ub294 \uac83\uc744 \uc758\ubbf8\ud569\ub2c8\ub2e4. <\/p>\n\n<p>\uadf8\ub7ec\ub098 \uc804\ubc18\uc801\uc73c\ub85c \ubcf4\ud5d8\uc740 \uacbd\uc81c \uc804\uccb4\uc640 \ud568\uaed8 \ud32c\ub370\ubbf9\uc5d0\uc11c \ud68c\ubcf5\ub420 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4.<\/p>\n\n<p>&#8220;\uc5c5\uacc4\uc758 \uc790\ubcf8\uc801 \uc704\uce58\ub294 \ucf54\ub85c\ub09819 \ucda9\uaca9\uc744 \ucc98\ub9ac\ud560 \uc218 \uc788\uc5b4\uc57c \ud55c\ub2e4\ub294 \uac83\uc744 \uc758\ubbf8\ud55c\ub2e4&#8221;\uace0 \uc2a4\uc704\uc2a4\uc7ac\ubcf4\ud5d8\uc758 \uadf8\ub8f9 \uc218\uc11d \uc774\ucf54\ub178\ubbf8\uc2a4\ud2b8 \uacb8 \uc804\ubb34\uc774\uc0ac\uc778 <a href=\"https:\/\/www.insurancejournal.com\/magazines\/mag-features\/2020\/07\/20\/576043.htm\" target=\"_blank\" rel=\"noreferrer noopener\">\uc81c\ub86c \uc7a5 \ud5e4\uae00\ub9ac(Jerome Jean Haegli<\/a>)\ub294 \ub9d0\ud55c\ub2e4.\n&#8220;\ub300\ubd80\ubd84\uc758 \uc678\ubd80 \ubcf4\ud5d8 \ubd84\uc11d\uc5d0 \uc758\ud55c \ucd1d \uc7ac\uc0b0 \ubc0f \uc0c1\ud574 \uccad\uad6c \ucd94\uc815\uce58\uc758 \uc0c1\ub2e8\uc740 \ubbf8\ud654 1,000\uc5b5 \ub2ec\ub7ec\ub85c, 2017\ub144 \ud5c8\ub9ac\ucf00\uc778 \ud558\ube44, \uc5b4\ub9c8, \ub9c8\ub9ac\uc544\ub85c \uc778\ud55c \uc190\uc2e4\uacfc \uc720\uc0ac\ud55c \uaddc\ubaa8\uc785\ub2c8\ub2e4. <\/p>\n\n<p>\ud68c\ubcf5\uc138\uc758 \ud55c \uac00\uc9c0 \uc608\ub294 2021\ub144 \ucd08\uc5d0 \uc5ec\ud589\uc5d0 \ub300\ud55c \uad00\uc2ec\uc774 \uc99d\uac00\ud588\ub2e4\ub294 \uac83\uc785\ub2c8\ub2e4.\n\uadf8\ub7ec\ub098 \uc5ec\ud589\uc790 \ubcf4\ud5d8\uc5d0 \uac00\uc785\ud55c \uc5ec\ud589\uc790\ub294 COVID-19\ub97c \ubcf4\uc7a5\ud558\ub294\uc9c0 \uc5ec\ubd80\ub97c \uacb0\uc815\ud558\uae30 \uc704\ud574 \uc815\ucc45\uc744 \uc8fc\uc758 \uae4a\uac8c \uc77d\uc5b4\uc57c \ud55c\ub2e4\uace0 Consumer Watchdog\uc758 \uc804\ubb34 \uc774\uc0ac\uc778 <a href=\"https:\/\/www.freep.com\/story\/money\/personal-finance\/susan-tompor\/2020\/12\/03\/travel-insurance-might-cover-covid-cancellation\/6462765002\/\" target=\"_blank\" rel=\"noreferrer noopener\">Carmen Balber<\/a>\ub294 \ub9d0\ud569\ub2c8\ub2e4. <\/p>\n\n<p>&#8220;\ubaa8\ub4e0 \uc5ec\ud589\uc790 \ubcf4\ud5d8 \uac00\uc785\uc5d0 \ub300\ud55c \uccab \ubc88\uc9f8 \uacbd\uace0\ub294 \uc791\uc740 \uae00\uc528\ub97c \uc77d\ub294 \uac83\uc785\ub2c8\ub2e4&#8221;\ub77c\uace0 Balber\ub294 \ub9d0\ud569\ub2c8\ub2e4.\n&#8220;\uc5ec\ud589\uc790 \ubcf4\ud5d8\uc5d0\ub294 \ud45c\uc900 \uc815\ucc45\uc774 \uc5c6\uae30 \ub54c\ubb38\uc5d0 \ub9e4\uc6b0 \uc911\uc694\ud569\ub2c8\ub2e4.&#8221;\n\uc8fc\ud0dd \uc18c\uc720\uc790 \ubcf4\ud5d8\uacfc \uac19\uc740 \ud45c\uc900 \uc815\ucc45\uc774 \uc788\ub294 \uc9c0\uc5ed\uc5d0\uc11c\ub3c4 \uace0\uac1d\uc740 \uc5b4\ub5a4 \uc704\ud5d8\uc774 \ubcf4\uc7a5\ub418\uace0 \uc5b4\ub5a4 \uc870\uac74\uc5d0\uc11c \ubcf4\uc7a5\ub418\ub294\uc9c0 \uc774\ud574\ud558\uae30 \uc704\ud574 \ubcf4\ud5d8\uc0ac\uc5d0 \ucd94\uac00 \ub3c4\uc6c0\uc744 \uc694\uccad\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.  <\/p>\n\n<p>\ub0b4\ub144\uc5d0\ub294 \uacbd\uc9c1\ub41c \uc2dc\uc7a5\uc5d0 \ub300\uc751\ud558\uae30 \uc704\ud574 \ubcf4\ud5d8\uc0ac\ub4e4\uc758 \uad00\uc2ec\uc744 \uae30\uc6b8\uc5ec\uc57c \ud560 \uac83\uc774\ub77c\uace0 Century Risk Advisors\uc758 <a href=\"https:\/\/www.law.com\/dailybusinessreview\/2020\/07\/24\/difficult-business-insurance-market-meets-covid-19\/\" target=\"_blank\" rel=\"noreferrer noopener\">Gary Reshefsky\uc640 David Josefsberg<\/a> \ub294 \ub9d0\ud569\ub2c8\ub2e4.\n\uc0c1\uc5c5\uc6a9 \uc790\ub3d9\ucc28 \ubcf4\ud5d8\ub8cc\ub294 \uacc4\uc18d \uc0c1\uc2b9\ud558\uace0 \uc788\uc73c\uba70, \ub178\uc778 \uc694\uc591 \uc2dc\uc124\uacfc \uac19\uc774 \ubc14\uc774\ub7ec\uc2a4 \uc804\uc5fc\ubcd1\uc5d0 \ub3c5\ud2b9\ud558\uac8c \ub178\ucd9c\ub41c \uc0ac\uc5c5\uccb4\uc758 \ubcf4\ud5d8\ub8cc\ub3c4 \uacc4\uc18d \uc0c1\uc2b9\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n<p>\uc70c\ub9ac\uc2a4 \ud0c0\uc6cc\uc2a4 \uc653\uc2a8(Willis Towers Watson)\uc758 <a href=\"https:\/\/www.willistowerswatson.com\/en-US\/Insights\/2020\/11\/insurance-marketplace-realities-2021-senior-living-and-long-term-care\" target=\"_blank\" rel=\"noreferrer noopener\">\uc5f0\uad6c\uc5d0<\/a> \ub530\ub974\uba74, \ub178\uc778 \uc694\uc591 \uc2dc\uc124\uc758 \uc0c1\uc5c5\uc801 \uc694\uc591 \ube44\uc6a9\uc740 \uc77c\ubd80 \uc9c0\uc5ed\uc5d0\uc11c 50\ud37c\uc13c\ud2b8 \uc774\uc0c1 \uc99d\uac00\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4.\n\uac00\uc7a5 \ub192\uc740 \uc778\uc0c1\ub960\uc740 \uc77c\ubc18\ucc45\uc784\uacfc \uc804\ubb38\uc9c1 \ucc45\uc784\uc5d0\uc11c \uc608\uc0c1\ub418\uc9c0\ub9cc \uc7ac\uc0b0\uc138\uc728\ub3c4 \ud568\uaed8 \uc778\uc0c1\ub420 \uc608\uc815\uc774\ub2e4.\n\uadfc\ub85c\uc790 \ubcf4\uc0c1 \ubcf4\uc7a5\uc870\ucc28\ub3c4 \ubcf4\ud5d8\ub8cc\uac00 \uc57d\uac04 \uc778\uc0c1\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.  <\/p>\n\n<p>COVID-19 \uc804\uc5fc\ubcd1\uc758 \uacfc\uc815\uc5d0 \ub300\ud55c \uc77c\ubd80 \ucd08\uae30 \uc608\uce21\uc774 \uc2e4\ud604\ub418\uc5c8\uc2b5\ub2c8\ub2e4. \ub2e4\ub978 \uac83\ub4e4\uc740 \uc0ac\uac74\uc774 \uc804\uac1c\ub428\uc5d0 \ub530\ub77c \uc870\uc815\ub418\uc5c8\uc2b5\ub2c8\ub2e4.\nCOVID-19\ub294 \uc5ec\uc804\ud788 \uc77c\uc0c1\uc801\uc778 \uace0\ub824 \uc0ac\ud56d\uc774\uc9c0\ub9cc, P&amp;C \ubcf4\ud5d8\uc0ac\ub294 \uc774\uc81c \ud32c\ub370\ubbf9\uc5d0 \ub300\ud55c \ucd08\uae30 \ub300\uc751 \uc911 \uc5b4\ub5a4 \uac83\uc774 \ube44\uc988\ub2c8\uc2a4 \ubaa9\ud45c\uc5d0 \ub3c4\uc6c0\uc774 \ub418\ub294\uc9c0, \uadf8\ub9ac\uace0 \ubc14\uc774\ub7ec\uc2a4\ub97c \ud1b5\uc81c\ud558\ub824\ub294 \uc2dc\ub3c4\uac00 \uc9c4\ud589\ub428\uc5d0 \ub530\ub77c \ucd94\uac00 \ud3c9\uac00\uac00 \ud544\uc694\ud560 \uc218 \uc788\ub294\uc9c0 \ud3c9\uac00\ud560 \uc218 \uc788\ub294 \ucda9\ubd84\ud55c \uc815\ubcf4\ub97c \ubcf4\uc720\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n<p><em>\uc774\ubbf8\uc9c0 \uc791\uc131\uc790: stylephotographs\/\u00a9123RF.com, Alexey Zatevahin\/\u00a9123RF.com, Alessandro Biascioli\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\ubbf8\uad6d\uc744 \ube44\ub86f\ud55c \ub9ce\uc740 \uad6d\uac00\uc758 \uc0ac\ub78c\ub4e4\uc740 \uacc4\uc18d\ud574\uc11c COVID-19\ub97c \uc77c\uc0c1\uc73c\ub85c \ubc1b\uc544\ub4e4\uc774\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \ud32c\ub370\ubbf9\uc774 \uc2dc\uc791\ub41c \uc9c0 1\ub144\uc774 \uc9c0\ub09c \uc9c0\uae08, \ubcf4\ud5d8\uc0ac\ub4e4\uc740 \uc6b0\ub9ac\uc758 \ucd08\uae30 \uc608\uce21 \uc911 \uc5b4\ub5a4 \uac83\uc774 \uc2e4\ud604\ub418\uc5c8\ub294\uc9c0 \ud3c9\uac00\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uadf8\ub4e4\uc740 \ub610\ud55c \uc804\uc5fc\ubcd1\uc5d0 \ub300\ud55c \uc790\uc2e0\uc758 \ub300\uc751\uc744 \ud3c9\uac00\ud558\uace0 \ub0b4\ub144 \uacc4\ud68d\uc744 \uc138\uc6b8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc6b0\ub9ac\uc758 \uc608\uce21\uc774 \uc5b4\ub5bb\uac8c \uc774\ub8e8\uc5b4\uc84c\ub294\uc9c0, \ub610\ub294 \uadf8\ub807\uc9c0 \uc54a\uc558\ub294\uc9c0 \ud3f4 \ub12c\uc2a8(Paul Nelson )\uacfc \ub51c\ub85c\uc774\ud2b8(Deloitte)\uc758 \uc5f0\uad6c\uc6d0\ub4e4\uc740 2020\ub144\uc5d0 \ucf54\ub85c\ub09819\uac00 [&hellip;]<\/p>\n","protected":false},"featured_media":9522,"template":"","insight-category":[],"class_list":["post-19432","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/ko\/wp-json\/wp\/v2\/insight\/19432","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\/9522"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/ko\/wp-json\/wp\/v2\/media?parent=19432"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/ko\/wp-json\/wp\/v2\/insight-category?post=19432"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}