{"id":19767,"date":"2024-09-20T13:06:40","date_gmt":"2024-09-20T18:06:40","guid":{"rendered":"https:\/\/bolttech.io\/insights\/covid-19-%ec%83%81%ec%97%85-%eb%b3%b4%eb%8f%84-%ec%9e%85%eb%b2%95%eb%b6%80%eb%8a%94-%ec%96%b4%eb%94%94%ec%97%90-%ec%9e%88%ec%8a%b5%eb%8b%88%ea%b9%8c\/"},"modified":"2024-09-20T13:06:49","modified_gmt":"2024-09-20T18:06:49","slug":"covid-19-%ec%83%81%ec%97%85-%eb%b3%b4%eb%8f%84-%ec%9e%85%eb%b2%95%eb%b6%80%eb%8a%94-%ec%96%b4%eb%94%94%ec%97%90-%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%83%81%ec%97%85-%eb%b3%b4%eb%8f%84-%ec%9e%85%eb%b2%95%eb%b6%80%eb%8a%94-%ec%96%b4%eb%94%94%ec%97%90-%ec%9e%88%ec%8a%b5%eb%8b%88%ea%b9%8c\/","title":{"rendered":"COVID-19 \uc0c1\uc5c5 \ubcf4\ub3c4 : \uc785\ubc95\ubd80\ub294 \uc5b4\ub514\uc5d0 \uc788\uc2b5\ub2c8\uae4c?"},"content":{"rendered":"\n<p>COVID-19 \uc704\uae30\ub97c \ud574\uacb0\ud558\uae30 \uc704\ud55c \ucd08\uae30 \uc2dc\ub3c4\ub294 \uc8fc \uc758\ud68c \uacb0\uc815\uc758 \ub2e8\ud3b8\uc801\uc778 \uacb0\uacfc\ub85c \uc774\uc5b4\uc84c\uc2b5\ub2c8\ub2e4.\n\uc774\ub7ec\ud55c \ub178\ub825\uc5d0\ub294 \uc804\uc5fc\ubcd1, \uacf5\uc911 \ubcf4\uac74 \uc870\uce58 \ub610\ub294 \ub458 \ub2e4\ub85c \uc778\ud574 \uac15\uc81c\ub85c \ubb38\uc744 \ub2eb\uc544\uc57c \ud558\ub294 \uc0ac\uc5c5\uccb4\uc5d0 \ub300\ud55c \uc0ac\uc5c5 \uc911\ub2e8 \ubcf4\ud5d8 \uc801\uc6a9 \ubc94\uc704\ub97c \ud574\uacb0\ud558\ub824\ub294 \uc2dc\ub3c4\uac00 \ud3ec\ud568\ub418\uc5c8\uc2b5\ub2c8\ub2e4. <\/p>\n\n<p>\uc774\ub7ec\ud55c \uc2dc\ub3c4 \uc911 \ub9ce\uc740 \ubd80\ubd84\uc774 \uc8fc \ucc28\uc6d0\uc5d0\uc11c \uc774\ub8e8\uc5b4\uc84c\uae30 \ub54c\ubb38\uc5d0 \uac01 \uc2dc\ub3c4\ub294 \uc57d\uac04\uc529 \ub2e4\ub978 \uc811\uadfc \ubc29\uc2dd\uc744 \ucde8\ud588\uc73c\uba70 \ub2e4\uc591\ud55c \uacb0\uacfc\ub97c \uac00\uc838\uc654\uc2b5\ub2c8\ub2e4.\n\ubcf4\ud5d8\uc0ac\uc640 \ud53c\ubcf4\ud5d8\uc790 \uac04\uc758 \uac08\ub4f1\uc774 \ubc95\uc815\uc73c\ub85c \ubc88\uc9c0\uba74\uc11c \uacb0\uacfc\uc758 \ubc94\uc704\ub294 \uacc4\uc18d\ud574\uc11c \ub2e4\uc591\ud574\uc9c0\uace0 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n<p>2020\ub144\uc774 \ub05d\ub098\uac10\uc5d0 \ub530\ub77c COVID-19\uc758 \uc0ac\uc5c5 \uc911\ub2e8 \ubcf4\uc7a5\uc5d0 \ub300\ud55c \uaddc\uce59\uc740 \uc8fc\ub9c8\ub2e4 \ub2e4\ub985\ub2c8\ub2e4.\n\ub9ce\uc740 \ubcf4\ud5d8\ud68c\uc0ac\uac00 \uac1c\ubc1c \ub2e8\uacc4\uc5d0 \uc788\uc73c\uba70, \ubcf4\ud5d8\uc0ac\ub4e4\uc740 \uc55e\uc73c\ub85c \ud55c\ub3d9\uc548 \ubcf5\uc7a1\ud558\uace0 \ubcc0\ud654\ud558\ub294 \uaddc\uce59\uc758 \ud328\uce58\uc6cc\ud06c\ub97c \ud0d0\uc0c9\ud574\uc57c \ud558\ub294 \uacfc\uc81c\ub97c \uc548\uace0 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n<h2 class=\"wp-block-heading\">COVID-19\uc5d0 \ub300\ud55c \uc0ac\uc5c5 \uc911\ub2e8 \ubc94\uc704: \uc785\ubc95\ubd80\uc758 \uc704\uce58<\/h2>\n\n<p>\ud604\uc7ac\uae4c\uc9c0 \ubbf8\uad6d 10\uac1c \uc8fc \uc758\ud68c\uc640 \uceec\ub7fc\ube44\uc544 \ud2b9\ubcc4\uad6c\ub294 COVID-19\uc640 \uad00\ub828\ub41c \uc18c\uaddc\ubaa8 \uc0ac\uc5c5\uccb4 \uccad\uad6c\ub97c \ubcf4\uc7a5\ud558\uae30 \uc704\ud574 \ud2b9\uc815 \uc0ac\uc5c5 \uc911\ub2e8 \ubcf4\ud5d8 \uc815\ucc45\uc744 \uc694\uad6c\ud558\ub294 \ubc95\uc548\uc744 \uace0\ub824\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n<h3 class=\"wp-block-heading\">COVID-19\uc5d0 \ub300\ud55c \uc8fc \uc785\ubc95\ubd80\uc758 \ub300\uc751<\/h3>\n\n<p>\uac01 \ubc95\uc548\uc740 \ubb38\uc81c\ub97c \ub2e4\ub8e8\ub294 \ubc29\uc2dd\uc774 \ub2e4\ub985\ub2c8\ub2e4.\n\uadf8\ub7ec\ub098 \ub300\ubd80\ubd84\uc758 \ubc95\uc548\uc740 \uba87 \uac00\uc9c0 \ud575\uc2ec \uc0ac\ud56d\uc744 \ub2e4\ub8e8\uace0 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n<p>\uccab\uc9f8, \ub300\ubd80\ubd84\uc758 \uc0ac\uc5c5 \uc911\ub2e8 \ubcf4\ud5d8 \ubc95\uc548\uc740 \ubcf4\uc7a5\uc774 \uc801\uc6a9\ub418\ub294 \uace0\uc6a9\uc8fc\ub97c \uc81c\ud55c\ud55c\ub2e4\uace0 \ubc95\ub960 \uc0ac\ubb34\uc18c Venable\uc758 <a href=\"https:\/\/www.venable.com\/insights\/publications\/2020\/04\/states-begin-to-introduce-legislation-business\" target=\"_blank\" rel=\"noreferrer noopener\">Jessie F. Beeber<\/a> \uc640 \ub3d9\ub8cc \uc800\uc790\ub4e4\uc740 \uc37c\uc2b5\ub2c8\ub2e4.\n\uc774\ub7ec\ud55c \uc81c\ud55c\uc740 \uc9c1\uc6d0 \uc218\ub97c \uae30\uc900\uc73c\ub85c \ud569\ub2c8\ub2e4.\n\uc608\ub97c \ub4e4\uc5b4, \ub8e8\uc774\uc9c0\uc560\ub098, \ub274\uc800\uc9c0, \ubbf8\uc2dc\uac04, \uc624\ud558\uc774\uc624\uc758 \ubc95\uc548\uc740 \uc815\uaddc\uc9c1 \uc9c1\uc6d0\uc774 100\uba85 \ubbf8\ub9cc\uc778 \ud53c\ubcf4\ud5d8\uc790\uc5d0\uac8c\ub9cc \uc801\uc6a9\ub429\ub2c8\ub2e4.\n\ub9e4\uc0ac\ucd94\uc138\uce20\uc8fc, \uc0ac\uc6b0\uc2a4\uce90\ub864\ub77c\uc774\ub098\uc8fc, \ub85c\ub4dc\uc544\uc77c\ub79c\ub4dc\uc8fc\uc758 \uc815\uaddc\uc9c1 \uc9c1\uc6d0 \uc0c1\ud55c\uc120\uc740 150\uba85\uc73c\ub85c \uc815\ud574\uc838 \uc788\uc73c\uba70, \ub274\uc695\uc8fc\ub294 250\uba85\uc73c\ub85c \uc81c\ud55c\ud558\uace0 \uc788\ub2e4.   <\/p>\n\n<p>\ub610\ud55c \uc77c\ubd80 \ubc95\uc548\uc740 \uc77c\ubc18\uc801\uc73c\ub85c 2020\ub144 3\uc6d4 \ucd08 \ub610\ub294 \uc911\uc21c \ub0a0\uc9dc\ub85c \ubcf4\uc7a5\uc744 \uc18c\uae09 \uc801\uc6a9\ud558\ub824\uace0 \ud569\ub2c8\ub2e4.\n2020\ub144 3\uc6d4\uacfc 4\uc6d4, 7\uac1c \uc8fc\uc5d0\uc11c \ubcf4\ud5d8\uc0ac\uac00 \ud32c\ub370\ubbf9 \uad00\ub828 \uc0ac\uc5c5 \uc911\ub2e8 \uccad\uad6c\ub97c \uc18c\uae09 \uc801\uc6a9\ud558\ub3c4\ub85d \uc694\uad6c\ud558\ub294 \ubc95\uc548\uc744 \ub3c4\uc785\ud588\ub2e4\uace0 \ub85c\ud38c Schiff Hardin\uc758 <a href=\"https:\/\/www.natlawreview.com\/article\/covid-19-states-attempt-to-shift-economic-burden-to-insurance-industry-new\" target=\"_blank\" rel=\"noreferrer noopener\">Jasmine Dela Luna, Everett J. Cygal, David Pi \ubc0f Daniel J. Schufreider<\/a> \uc5d0 \ub530\ub974\uba74 \uc774 \ubc95\uc548\uc740 \ud1b5\uacfc\ub418\uc5c8\uc2b5\ub2c8\ub2e4. <\/p>\n\n<p>\ud604\uc7ac \uace0\ub824\ub418\uace0 \uc788\ub294 \ubc95\uc548 \uc911 \uc77c\ubd80\ub294 \ubcf4\ud5d8\uc0ac\ub098 \ud53c\ubcf4\ud5d8\uc790\uc5d0\uac8c \ucd94\uac00 \uc790\uae08\uc744 \uc81c\uacf5\ud55c\ub2e4\uace0 \ub85c\ud38c Murtha Cullina\uc758 \ud30c\ud2b8\ub108\uc778 <a href=\"https:\/\/www.jdsupra.com\/legalnews\/proposed-legislation-related-to-63951\/\" target=\"_blank\" rel=\"noreferrer noopener\">Marlyn Fagelson\uacfc Rachel Snow Kindseth<\/a>\ub294 \uc37c\uc2b5\ub2c8\ub2e4.\n\ud39c\uc2e4\ubca0\uc774\ub2c8\uc544 \uc8fc \uc758\ud68c\ub294 \uc0ac\uc5c5 \uc911\ub2e8 \ubcf4\uc7a5\uc774 \uc801\uc6a9\ub418\uc9c0 \uc54a\ub294 \uc0ac\uc5c5\uccb4\uc5d0 \uc9c1\uc811 \ubcf4\uc870\uae08\uc744 \uc81c\uacf5\ud558\ub294 \ubcc4\ub3c4\uc758 \ubc95\uc548\uc744 \ub3c4\uc785\ud588\uc2b5\ub2c8\ub2e4.\n\ub9c8\ucc2c\uac00\uc9c0\ub85c, \ubc1c\uc758\ub41c \ubc95\uc548 \uc911 \uc0ac\uc5c5 \uc911\ub2e8 \ubcf4\uc0c1\uc5d0 \ub300\ud55c \ubb3c\ub9ac\uc801 \uc190\ud574 \uc694\uac74\uc744 \ub2e4\ub8e8\ub294 \ubc95\uc548\uc740 \uc18c\uc218\uc5d0 \ubd88\uacfc\ud569\ub2c8\ub2e4.\n\ub9e4\uc0ac\ucd94\uc138\uce20\uc8fc, \ub274\uc695\uc8fc, \uc0ac\uc6b0\uc2a4\uce90\ub864\ub77c\uc774\ub098\uc8fc\uc5d0\uc11c \ubc1c\uc758\ub41c \ubc95\uc548\uc740 \ud32c\ub370\ubbf9\uc73c\ub85c \uc778\ud574 \ud53c\ubcf4\ud5d8\uc790\uc758 \uc7ac\uc0b0\uc5d0 \ubb3c\ub9ac\uc801 \ud53c\ud574\uac00 \ubc1c\uc0dd\ud558\uc9c0 \uc54a\uc558\ub2e4\ub294 \uc774\uc720\ub85c \ubcf4\ud5d8\uc0ac\uac00 \ubcf4\ud5d8\uae08 \uccad\uad6c\ub97c \uac70\ubd80\ud558\ub294 \uac83\uc744 \uae08\uc9c0\ud569\ub2c8\ub2e4.   <\/p>\n\n<h3 class=\"wp-block-heading\">\uc0ac\uc5c5 \uc911\ub2e8 \ubcf4\uc7a5\uc744 \ud574\uacb0\ud558\uae30 \uc704\ud55c \uc5f0\ubc29 \uc870\uce58<\/h3>\n\n<p>\uc758\ud68c\ub294 \ub610\ud55c COVID-19\ub85c \uc778\ud55c \uc0ac\uc5c5 \uc911\ub2e8 \ubc95\ub960 \ubc0f \ubc95\uc548\uc758 \ud328\uce58\uc6cc\ud06c\ub97c \ud574\uacb0\ud558\uae30 \uc704\ud55c \uc870\uce58\ub97c \ucde8\ud588\uc2b5\ub2c8\ub2e4.\n\ubbf8 \uc758\ud68c\uc870\uc0ac\uad6d(Congressional Research Service)\uc758 <a href=\"https:\/\/crsreports.congress.gov\/product\/pdf\/IN\/IN11383\" target=\"_blank\" rel=\"noreferrer noopener\">\ubcf4\uace0\uc11c\uc5d0<\/a> \ub530\ub974\uba74 \uc81c116\ub300 \uc758\ud68c\uc5d0\ub294 \uc0ac\uc5c5 \uc911\ub2e8 \ubcf4\uc7a5\uc744 \ud655\ub300\ud558\uace0 \ubcf4\ud5d8\uc0ac\uac00 \ud5a5\ud6c4 \ucf54\ub85c\ub09819 \ud32c\ub370\ubbf9\uacfc \uac19\uc740 \uc0ac\uac74\uc5d0 \ub300\ud574 \uc120\ud0dd\uc801 \ubcf4\uc7a5\uc744 \uc81c\uacf5\ud558\ub3c4\ub85d \uc694\uad6c\ud558\ub294 \ub450 \uac00\uc9c0 \ubc95\uc548\uc774 \ud3ec\ud568\ub418\uc5b4 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n<p>H.R. 6494\uc5d0\ub294 \ud32c\ub370\ubbf9\ubfd0\ub9cc \uc544\ub2c8\ub77c \uc0ac\uc5c5 \uc790\uccb4\uc5d0 \ud53c\ud574\ub97c \uc8fc\uc9c0 \uc54a\ub294 \uc0b0\ubd88\uacfc \uad00\ub828\ub41c \uc0ac\uc5c5 \uc911\ub2e8\uc5d0\ub3c4 \uc801\uc6a9\ub420 \uc218 \uc788\ub294 \uc870\ud56d\uc774 \ud3ec\ud568\ub418\uc5b4 \uc788\uc2b5\ub2c8\ub2e4.\n\uc774 \ubc95\uc548\uc740 \uc0ac\uc5c5 \uc911\ub2e8 \ubcf4\ud5d8\uc744 \uc81c\uacf5\ud558\ub294 \ubcf4\ud5d8\uc0ac\uac00 \ubc14\uc774\ub7ec\uc2a4 \uc804\uc5fc\ubcd1, \uac15\uc81c \uc0ac\uc5c5 \ud3d0\uc1c4, \uac15\uc81c \ub300\ud53c \ubc0f \uacf5\uacf5 \uc548\uc804\uc744 \uc704\ud55c \uc804\ub825 \ucc28\ub2e8\uc73c\ub85c \uc778\ud55c \uc190\uc2e4\uc5d0 \ub300\ud574 \uc774\ub7ec\ud55c \ubcf4\ud5d8\uc744 \uc81c\uacf5\ud558\ub3c4\ub85d \uc694\uad6c\ud55c\ub2e4\uace0 \ubc95\ub960 \ud68c\uc0ac Norton Rose Fulbright\uc758 <a href=\"https:\/\/www.nortonrosefulbright.com\/en\/knowledge\/publications\/c1f4ba93\/us-a-state-by-state-federal-guide-to-covid-19\" target=\"_blank\" rel=\"noreferrer noopener\">Allison Goodman Gold, Joy Langford \ubc0f Michael C. Steindorf<\/a> \ub294 \uc37c\uc2b5\ub2c8\ub2e4. <\/p>\n\n<figure class=\"wp-block-image aligncenter size-large\"><img decoding=\"async\" src=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/discussing-a-contract-1024x682.jpg\" alt=\"\" class=\"wp-image-9077\"\/><\/figure>\n\n<h2 class=\"wp-block-heading\">\ubc95\uc6d0 \ud310\uacb0\uacfc \ubcf4\ud5d8\uc0ac\uc5d0 \ubbf8\uce58\ub294 \uc601\ud5a5<\/h2>\n\n<p>\ubc95\uc6d0\uc5d0\uc11c \uc0ac\uc5c5 \uc911\ub2e8 \ubcf4\ud5d8 \uccad\uad6c\ub97c \ucc98\ub9ac\ud558\ub824\ub294 \ucd08\uae30 \uc2dc\ub3c4\ub294 \ubcf4\ud5d8\uc0ac\uc5d0 \uc720\ub9ac\ud558\uac8c \uc791\uc6a9\ud588\uc2b5\ub2c8\ub2e4.\n\uadf8\ub7ec\ub098 \uc0ac\uac74\uc774 \uacc4\uc18d \uc2ec\ub9ac\ub418\uace0 \uacb0\uc815\ub428\uc5d0 \ub530\ub77c \uad00\ud560\uad8c\ub9c8\ub2e4 \ub2e4\ub978 \uacb0\uacfc\uac00 \ub098\uc624\uace0 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n<h3 class=\"wp-block-heading\">\ubcf4\ud5d8\uc0ac\uc5d0 \uc720\ub9ac\ud55c \uc0ac\uac74<\/h3>\n\n<p>2020\ub144 10\uc6d4 \ucd08, \ubbf8\uad6d \uc870\uc9c0\uc544\uc8fc \ubd81\ubd80 \uc9c0\ubc29\ubc95\uc6d0\uc740 &#8220;\ubb3c\ub9ac\uc801 \uc190\uc2e4 \ub610\ub294 \uc190\uc0c1&#8221;\uc774\ub77c\ub294 \ubb38\uad6c\uc5d0\uc11c &#8220;\uc190\uc2e4&#8221;\uc740 &#8220;\uc190\uc0c1&#8221;\uacfc \ub2e4\ub978 \uc758\ubbf8\ub97c \uac00\uc838\uc57c \ud55c\ub2e4\ub294 \uc8fc\uc7a5\uc744 \uae30\uac01\ud558\ub294 <a href=\"https:\/\/www.americanbar.org\/groups\/litigation\/committees\/real-estate-condemnation-trust\/articles\/2020\/covid-19-business-interruption-claim\/\" target=\"_blank\" rel=\"noreferrer noopener\">\uc758\uacac\uc744<\/a> \ubc1c\ud45c\ud588\uc2b5\ub2c8\ub2e4.\n\uadf8\ub807\uac8c \ud568\uc73c\ub85c\uc368 \uc870\uc9c0\uc544 \ubd81\ubd80 \uc9c0\ubc29\ubc95\uc6d0\uc740 \ud50c\ub85c\ub9ac\ub2e4 \uc911\ubd80 \uc9c0\ubc29\ubc95\uc6d0\uc758 \ub2e4\ub978 \uc5f0\ubc29 \ubc95\uc6d0 \uc911 \uc801\uc5b4\ub3c4 \ud55c \uacf3\uacfc \ud569\ub958\ud558\uc5ec \ubcf4\ud5d8\uc0ac\uc5d0 \uc720\ub9ac\ud55c \uc0ac\uac74\uc744 \ud574\uacb0\ud588\ub2e4.\n\uadf8\ub7ec\ub098 \ubaa8\ub4e0 \uc5f0\ubc29 \ubc95\uc6d0\uc774 \ubcf4\ud5d8 \ud68c\uc0ac\uc5d0 \uc720\ub9ac\ud55c \ud310\uacb0\uc744 \ub0b4\ub9b0 \uac83\uc740 \uc544\ub2c8\uae30 \ub54c\ubb38\uc5d0 \uc5f0\ubc29 \uc9c0\ubc29 \ubc95\uc6d0 \uac04\uc5d0 \ubd84\uc5f4\uc774 \ubc1c\uc0dd\ud558\uc5ec \uc5f0\ubc29 \ud56d\uc18c \ubc95\uc6d0 \ub610\ub294 \ubbf8\uad6d \ub300\ubc95\uc6d0\uc5d0\uc11c \ud574\uacb0\uc774 \ud544\uc694\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.  <\/p>\n\n<h3 class=\"wp-block-heading\">\ubcf4\ud5d8 \uacc4\uc57d\uc790\uc5d0\uac8c \uc720\ub9ac\ud55c \uc0ac\ub840<\/h3>\n\n<p>\ucd08\uae30\uc758 \uc0ac\uac74\ub4e4\uc740 \ubcf4\ud5d8\ud68c\uc0ac\uc5d0 \uc720\ub9ac\ud55c \ud310\uacb0\uc774 \ub0b4\ub824\uc84c\ub2e4.\n\uadf8\ub7ec\ub098 \ud604\uc7ac\uae4c\uc9c0 \ucd5c\uc18c 2\uac1c\uc758 \uc8fc \ubc95\uc6d0\uc774 COVID-19 \uad00\ub828 \uccad\uad6c\uc5d0 \ub300\ud574 \uc0ac\uc5c5 \uc911\ub2e8\uc744 \uc694\uad6c\ud558\ub294 \ud53c\ubcf4\ud5d8\uc790\uc758 \uc190\uc744 \ub4e4\uc5b4\uc92c\uc2b5\ub2c8\ub2e4. <\/p>\n\n<p>\ub178\uc2a4 \uc2a4\ud14c\uc774\ud2b8 \ub378\ub9ac LLC et al. v. \ub178\uc2a4\uce90\ub864\ub77c\uc774\ub098 \uc8fc \ubc95\uc6d0\uc778 Cincinnati Insurance Co. et al.\uc740 \ubcf4\ud5d8\uc5d0 \uac00\uc785\ub41c \uc2dd\ub2f9\uc5d0 \ub300\ud574 \uc77c\ubd80 \uc57d\uc2dd \ud310\uacb0\uc744 <a href=\"https:\/\/www.claimsjournal.com\/app\/uploads\/2020\/10\/NorthStateDeliruling.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">\ub0b4\ub838\uc2b5\ub2c8\ub2e4<\/a> .\n\uac70\uae30\uc11c \ubc95\uc6d0\uc740 \uc774 \uc0ac\uac74\uacfc \uad00\ub828\ub41c \ubcf4\ud5d8 \uc99d\uad8c\uc774 \uc0ac\uc5c5 \uc911\ub2e8 \ubcf4\uc7a5\uc758 \uc870\uac74\uc73c\ub85c \uac74\ubb3c\uc5d0 \ub300\ud55c \ubb3c\ub9ac\uc801 \uc190\uc0c1\uc744 \uc694\uad6c\ud558\uc9c0 \uc54a\ub294\ub2e4\uace0 \ud310\ub2e8\ud588\ub2e4\uace0 Womble Bond Dickinson \ubc95\ub960 \uc0ac\ubb34\uc18c\uc758 <a href=\"https:\/\/www.natlawreview.com\/article\/covid-19-shutdowns-related-litigation-put-pressure-business-interruption-insurers\" target=\"_blank\" rel=\"noreferrer noopener\">Rachel E. Keen\uacfc Jonathan Reid Reich<\/a> \ub294 \uc37c\uc2b5\ub2c8\ub2e4. <\/p>\n\n<p>Optical Services USA\/JCI \ub300 Franklin Mutual Ins.\n\ud53c\ubcf4\ud5d8\uc790\ub294 \ub274\uc800\uc9c0 \uc8fc\uc9c0\uc0ac \ud544 \uba38\ud53c(Phil Murphy)\uac00 \uc6d0\uace0\uc758 \uc0ac\uc5c5\uccb4\uc640 \uac19\uc740 \ube44\ud544\uc218 \uc18c\ub9e4 \uc2dc\uc124\uc744 \ud3d0\uc1c4\ud558\ub294 \ud589\uc815 \uba85\ub839\uc744 \ub0b4\ub9ac\uba74\uc11c \uc218\uc785\uc744 \uc783\uc5c8\ub2e4\uace0 \uc8fc\uc7a5\ud588\ub2e4.\n\uadf8\ub7ec\ub098 \ubcf4\ud5d8\uc0ac\ub294 \uc9c1\uc811\uc801\uc778 \ubb3c\ub9ac\uc801 \uc190\uc2e4\uc774\ub098 \ubb3c\ub9ac\uc801 \uc190\uc0c1\uc774 \ubc1c\uc0dd\ud558\uc9c0 \uc54a\uc558\ub2e4\ub294 \uc774\uc720\ub85c \uc6d0\uace0\uc758 \uc0ac\uc5c5 \uc911\ub2e8 \ubcf4\uc0c1 \uccad\uad6c\ub97c \uac70\ubd80\ud588\ub2e4\uace0 \ubc95\ub960 \ud68c\uc0ac McCarter &amp; English\uc758 <a href=\"https:\/\/www.jdsupra.com\/legalnews\/new-jersey-court-refuses-to-dismiss-15954\/\" target=\"_blank\" rel=\"noreferrer noopener\">Anthony Bartell<\/a> \uacfc \ub3d9\ub8cc \uc800\uc790\ub4e4\uc740 \uc37c\uc2b5\ub2c8\ub2e4.  <\/p>\n\n<p>\uadf8\ub7ec\ub098 \ubc95\uc6d0\uc740 \ubcf4\ud5d8\uc0ac\uc758 \uae30\uac01 \uc2e0\uccad\uc744 \uae30\uac01\ud588\ub2e4.\n\ubc95\uc6d0\uc740 \uc774 \uc0ac\uac74\uc758 &#8220;\ud575\uc2ec \uc7c1\uc810&#8221;\uc740 \uc815\ucc45 \ubb38\uad6c\uac00 \uc5b4\ub5bb\uac8c \ud574\uc11d\ub418\uc5b4\uc57c \ud558\ub294\uc9c0, \uadf8\ub9ac\uace0 \ud574\uc11d \uc120\ud0dd\uc774 \ud32c\ub370\ubbf9 \uad00\ub828 \uccad\uad6c\uc758 \uc801\uc6a9 \ubc94\uc704\uc5d0 \uc5b4\ub5a4 \uc601\ud5a5\uc744 \ubbf8\uce60 \uac83\uc778\uc9c0\uc5d0 <a href=\"https:\/\/www.huntoninsurancerecoveryblog.com\/wp-content\/uploads\/sites\/27\/2020\/09\/Optical-Hearing-Transcript.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">\uc8fc\ubaa9<\/a> \ud588\uc2b5\ub2c8\ub2e4. <\/p>\n\n<p>2020\ub144 8\uc6d4, \ubbf8\uc8fc\ub9ac\uc8fc \uc11c\ubd80 \uc9c0\ubc29\ubc95\uc6d0\uc774 Studio 417, Inc. v. \uc0ac\uac74\uc5d0\uc11c \ubcf4\ud5d8\ud68c\uc0ac\uc758 \uae30\uac01 \uc2e0\uccad\uc744 <a href=\"https:\/\/www.insurancejournal.com\/app\/uploads\/2020\/08\/studio-417-v-cincinnati-insurance.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">\uae30\uac01<\/a> \ud588\uc744 \ub54c, \ud53c\ubcf4\ud5d8\uc790\ub4e4\uc740 \uc5f0\ubc29 \ucc28\uc6d0\uc5d0\uc11c \uc790\uc2e0\ub4e4\uc5d0\uac8c \uc720\ub9ac\ud55c \uacb0\uacfc\ub97c \uae30\ub300\ud588\uc2b5\ub2c8\ub2e4. \uc2e0\uc2dc\ub0b4\ud2f0 \uc778\uc2a4\n\uacf5\uc0ac.\n\ubbf8\uc8fc\ub9ac\uc8fc \uc11c\ubd80 \uc9c0\ubc29\ubc95\uc6d0\uc774 \ud53c\ubcf4\ud5d8\uc790\uc5d0\uac8c \uc720\ub9ac\ud55c \ud310\uacb0\uc744 \ub0b4\ub9b4 \uacbd\uc6b0, \uc774 \ud310\uacb0\uc740 \ub2e4\ub978 \uc5f0\ubc29 \uc9c0\ubc29\ubc95\uc6d0\uc758 \ud310\uacb0\uacfc \uc0c1\ubc18\ub429\ub2c8\ub2e4.\n\uc774\ub7ec\ud55c \ubd88\uc77c\uce58\ub97c \ud574\uacb0\ud558\uae30 \uc704\ud574 \uc774\uc758 \uc81c\uae30\uac00 \ud544\uc694\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.   <\/p>\n\n<h3 class=\"wp-block-heading\">COVID-19 \uc0ac\uc5c5 \uc911\ub2e8 \uccad\uad6c \ud1b5\ud569<\/h3>\n\n<p>\ucd5c\uc18c \ub450 \uac74\uc758 \uc18c\uc1a1\uc774 \uc5ec\ub7ec COVID-19 \uc0ac\uc5c5 \uc911\ub2e8 \ubcf4\ud5d8 \uccad\uad6c\ub97c \ub2e8\uc77c \uc18c\uc1a1\uc73c\ub85c \ud1b5\ud569\ud558\ub824\uace0 \uc2dc\ub3c4\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n\n<p>\uc778\uc288\uc5b4\ub7f0\uc2a4 \uc800\ub110(Insurance Journal)\uc758 <a href=\"https:\/\/www.insurancejournal.com\/news\/national\/2020\/10\/04\/585092.htm\" target=\"_blank\" rel=\"noreferrer noopener\">\uc564\ub4dc\ub958 G. \uc2ec\uc2a8(Andrew G. Simpson<\/a> )\uc740 \ucf54\ub85c\ub09819 \uc0ac\uc5c5 \uc911\ub2e8 \ubcf4\ud5d8 \uc801\uc6a9 \ubc94\uc704 \uc18c\uc1a1\uc5d0\uc11c \ud53c\ubcf4\ud5d8\uc790 \uadf8\ub8f9\uc774 \uc5ec\ub7ec \uc8fc\uc694 \uad6d\uac00 \ubcf4\ud5d8\uc0ac\uc5d0 \ub300\ud55c \uc5ec\ub7ec \uccad\uad6c\ub97c \ud1b5\ud569\ud558\uae30 \uc704\ud574 \uc5f0\ubc29 \uc0ac\ubc95 \ud328\ub110(JPML)\uc5d0 \uccad\uc6d0\ud588\ub2e4\uace0 \uc37c\uc2b5\ub2c8\ub2e4.<\/p>\n\n<p>\uadf8\ub7ec\ub098 JPML\uc740 \ud53c\ubcf4\ud5d8\uc790\ub4e4\uc774 \uc81c\uae30\ud55c \uc9c8\ubb38\ub4e4\uc774 &#8220;\ud53c\uc0c1\uc801\uc778 \uacf5\ud1b5\uc810\ub9cc\uc744 \uacf5\uc720\ud558\uace0 \uc788\ub2e4&#8221;\uace0 \uc9c0\uc801\ud558\uba74\uc11c \uc0ac\uac74\ub4e4\uc744 \ud1b5\ud569\ud558\uae30\ub97c <a href=\"https:\/\/www.insurancejournal.com\/app\/uploads\/2020\/08\/mdl-denial.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">\uac70\ubd80\ud588\ub2e4<\/a> .\n\uadf8\ub4e4\uc740 \ub610\ud55c \uc774 \uc0ac\uac74\ub4e4\uc774 \ub2e8 \ud55c \uba85\uc758 \uc77c\ubc18 \ud53c\uace0\uc778\uacfc \uad00\ub828\ub418\uc5b4 \uc788\uc9c0 \uc54a\uae30 \ub54c\ubb38\uc5d0 \ubc95\uc6d0\uc774 \uad00\ub828\ub41c \ubaa8\ub4e0 \ub2f9\uc0ac\uc790\uc758 \uad8c\ub9ac\uc640 \uc774\uc775\uc744 \uc801\uc808\ud788 \ubcf4\ud638\ud560 \uc218 \uc788\ub294 \ub2e8\uc77c \ud310\uacb0\uc744 \ub0b4\ub9ac\uae30\uac00 \uc5b4\ub835\ub2e4\ub294 \uc810\uc744 \uc9c0\uc801\ud588\ub2e4. <\/p>\n\n<p>\uadf8\ub7ec\ub098 \ub354 \uc791\uc740 \ud1b5\ud569 <a href=\"https:\/\/www.law360.com\/articles\/1294832\/attachments\/0\" target=\"_blank\" rel=\"noreferrer noopener\">\uccad\uad6c<\/a>\uc778 Erie Insurance Exchange Litigation_,_\ub294 \ud39c\uc2e4\ubca0\ub2c8\uc544 \uc8fc \ubc95\uc6d0\uc5d0 \uc758\ud574 \uc2b9\uc778\ub418\uc5c8\uc2b5\ub2c8\ub2e4.\n\uc774 \uc0ac\uac74\uc5d0\uc11c \ubc95\uc6d0\uc740 \ud39c\uc2e4\ubca0\uc774\ub2c8\uc544 3\uac1c \uce74\uc6b4\ud2f0\uc5d0 \uacc4\ub958 \uc911\uc778 4\uac74\uc758 \uc18c\uc1a1\uc744 \uc870\uc815\ud558\uc5ec \uc774\ub9ac \ubcf4\ud5d8 \uac70\ub798\uc18c(Erie Insurance Exchange)\ub77c\ub294 \ud55c \ubcf4\ud5d8\uc0ac\ub97c \uc0c1\ub300\ub85c \ud588\ub2e4\uace0 <a href=\"https:\/\/www.cov.com\/en\/news-and-insights\/insights\/2020\/08\/developments-in-coronavirus-coverage-litigation-and-legislation\" target=\"_blank\" rel=\"noreferrer noopener\">\uc218\uc794 \ucc30\ud2bc(Suzan Charlton<\/a> )\uacfc \ub85c\ud38c \ucee4\ube59\ud134 \uc564 \ubc8c\ub9c1(Covington &amp; Burling)\uc758 \ub3d9\ub8cc \uc5f0\uad6c\uc6d0\ub4e4\uc774 \uc37c\ub2e4. <\/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\/signing-a-document-1024x682.jpg\" alt=\"\" class=\"wp-image-9067\" srcset=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/signing-a-document-1024x682.jpg 1024w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/signing-a-document-300x200.jpg 300w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/signing-a-document-768x512.jpg 768w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/signing-a-document.jpg 1280w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n<h2 class=\"wp-block-heading\">\ud32c\ub370\ubbf9\uc774 \uacc4\uc18d\ub428\uc5d0 \ub530\ub77c \uae30\ub300\ud560 \uc218 \uc788\ub294 \uac83<\/h2>\n\n<p>\uad81\uadf9\uc801\uc73c\ub85c \ubc95\uc548\uc740 \uae30\uc5c5\uc774\ub098 \ubcf4\ud5d8\uc0ac \ubaa8\ub450\uc5d0\uac8c \ucf54\ub85c\ub09819 \ubb38\uc81c\ub97c \ud6a8\uacfc\uc801\uc73c\ub85c \ud574\uacb0\ud558\uc9c0 \ubabb\ud560 \uc218 \uc788\ub2e4\uace0 \ubcf4\ud5d8 \uc800\ub110 \ubcf4\ud5d8 \uc544\uce74\ub370\ubbf8 \uc774\uc0ac\uc778 <a href=\"https:\/\/www.insurancejournal.com\/blogs\/academy-journal\/2020\/09\/23\/583809.htm\" target=\"_blank\" rel=\"noreferrer noopener\">\ud328\ud2b8\ub9ad \ub808\uc774\ud2b8(Patrick Wraight<\/a>)\ub294 \uc37c\uc2b5\ub2c8\ub2e4.\n\ud604\uc7ac\uae4c\uc9c0 \uc774 \ubd84\uc57c\uc5d0 \ub300\ud55c \ub300\ubd80\ubd84\uc758 \uc785\ubc95 \uc2dc\ub3c4\ub294 \uc801\uc6a9 \ubc94\uc704 \ubb38\uc81c\ub97c \ub354\uc6b1 \ubcf5\uc7a1\ud558\uac8c \ub9cc\ub4e4\uace0 \uc788\uc2b5\ub2c8\ub2e4.\n\ub9ce\uc740 \ubc95\uc548\uc774 \uc88b\uc740 \ubcf4\ud5d8\ubc95\uc744 \ub9cc\ub4e4\ub824\ub294 \uc2dc\ub3c4\ub77c\uae30\ubcf4\ub2e4\ub294 \ud32c\ub370\ubbf9\uc73c\ub85c \uc778\ud574 \uc0ac\uc5c5\uc0c1\uc758 \uc5b4\ub824\uc6c0\uc744 \uacaa\uc740 \uc720\uad8c\uc790\ub4e4\uc744 \ub2ec\ub798\ub824\ub294 \uc2dc\ub3c4\ub85c \ubcf4\uc778\ub2e4\uace0 \ub77c\uc774\ud2b8\ub294 \ub9d0\ud55c\ub2e4.  <\/p>\n\n<p>\ubcf4\ud5d8\uc744 \uc18c\uae09 \uc801\uc6a9\ud558\ub824\ub294 \ubc95\uc548\uc740 \ud2b9\ubcc4\ud55c \ubb38\uc81c\ub97c \uc81c\uae30\ud55c\ub2e4\uace0 \ub85c\ud38c Foley &amp; Lardner\uc758 <a href=\"https:\/\/www.jdsupra.com\/legalnews\/constitutional-challenges-to-proposed-77249\/\" target=\"_blank\" rel=\"noreferrer noopener\">Max Chester, Andrew Meerkins \ubc0f Kimberly Yelkin<\/a> \uc740 \uc37c\uc2b5\ub2c8\ub2e4.\n\uc774 \ubc95\uc548\ub4e4 \uc911 \uc5b4\ub290 \uac83\uc774\ub4e0 \uc77c\ub2e8 \ubc95\uc81c\ud654\ub418\uba74 &#8220;\uc0ac\uc801 \ub2f9\uc0ac\uc790\ub4e4 \uc0ac\uc774\uc758 \uacc4\uc57d\uc801 \ud569\uc758\ub97c \uc18c\uae09\uc801\uc73c\ub85c \ubd88\uc548\uc815\ud558\uac8c \ub9cc\ub4e4 \uac83\uc774\uba70, \ud5cc\ubc95\uc801\uc778 \ub3c4\uc804\uc774 \ub4a4\ub530\ub97c \uac83\uc774 \ubd84\uba85\ud558\ub2e4.&#8221; <\/p>\n\n<p>\uc774\ub4e4 \ubc95\uc548\uc740 \ub610\ud55c \uc8fc\uc815\ubd80\uc640 \uc5f0\ubc29\uc815\ubd80 \ucc28\uc6d0\uc5d0\uc11c \ud5cc\ubc95\uc801 \ubb38\uc81c\ub97c \uc57c\uae30\ud560 \uc218 \uc788\ub2e4\uace0 \uadf8\ub4e4\uc740 \ub9d0\ud55c\ub2e4.\n\uc5ec\uae30\uc5d0\ub294 \ubbf8\uad6d \ud5cc\ubc95\uc758 \ud14c\uc774\ud0b9(Takings), \uacc4\uc57d \ub610\ub294 \uc801\ubc95 \uc808\ucc28 \uc870\ud56d(Takings, Contract or Due Process Clauses) \ubc0f \uc774\uc640 \uc720\uc0ac\ud55c \uc8fc \ud5cc\ubc95 \uc870\ud56d\uc5d0 \ub530\ub978 \uc774\uc758 \uc81c\uae30\uac00 \ud3ec\ud568\ub429\ub2c8\ub2e4.\n\uc0ac\uc5c5 \uc911\ub2e8 \ubcf4\uc7a5\uc5d0 \ub300\ud55c COVID-19 \ubcf4\uc7a5\uc5d0 \ub300\ud55c \uc9c8\ubb38\uc744 \ud574\uacb0\ud558\ub824\ub294 \uc785\ubc95 \uc2dc\ub3c4\ub294 \ub354 \ub9ce\uc740 \uc18c\uc1a1\uc744 \uc0dd\uc131\ud558\ub294 \ucc45\uc784\uc774 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.  <\/p>\n\n<p>&#8220;\ubcf4\ud5d8\uc0ac\ub294 \uc0ac\uc5c5 \uc911\ub2e8 \ubcf4\uc7a5\uc5d0 \ub530\ub77c COVID-19 \uad00\ub828 \uc190\uc2e4\uc744 \uc9c0\ubd88\ud574\uc57c \ud569\ub2c8\uae4c?&#8221;\ub77c\ub294 \uc9c8\ubb38\uc5d0\ub294 \uac04\ub2e8\ud55c \ub2f5\uc774 \uc5c6\uc2b5\ub2c8\ub2e4.\n\uc624\ud788\ub824, \ubcf4\ud5d8\ud68c\uc0ac\uc758 \uc758\ubb34\ub294 \uadf8\ub4e4\uc774 \uc0ac\uc5c5\uc744 \ud558\ub294 \uc7a5\uc18c, \uc774 \ubb38\uc81c\ub97c \ub2e4\ub8e8\ub824\ub294 \uc785\ubc95 \ubc0f \ubc95\uc6d0\uc758 \uc2dc\ub3c4 \uc0c1\ud0dc, \uadf8\ub9ac\uace0 \ubcf4\ud5d8 \uc99d\uad8c \uc790\uccb4\uc758 \ubb38\uad6c\uc5d0 \ub2ec\ub824 \uc788\uc2b5\ub2c8\ub2e4.\n\ubcf4\uc7a5 \ubc94\uc704\uc5d0 \uad00\ud55c \uaddc\uc815\uc740 \uacc4\uc18d\ud574\uc11c \ubc1c\uc804\ud558\uace0 \ubcc0\ud654\ud558\uace0 \uc788\uc73c\uba70, \uc774\ub85c \uc778\ud574 \ud32c\ub370\ubbf9\uc5d0 \ud6a8\uacfc\uc801\uc73c\ub85c \ub300\uc751\ud558\ub824\ub294 \ubcf4\ud5d8\uc0ac\uc5d0\uac8c \ucd94\uac00\uc801\uc778 \uacfc\uc81c\uac00 \ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4.  <\/p>\n\n<p><em>\uc774\ubbf8\uc9c0 \uc791\uc131\uc790: olegdudko\/\u00a9123RF.com, Suwat Supachavinswad\/\u00a9123RF.com, Jean-Paul\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>COVID-19 \uc704\uae30\ub97c \ud574\uacb0\ud558\uae30 \uc704\ud55c \ucd08\uae30 \uc2dc\ub3c4\ub294 \uc8fc \uc758\ud68c \uacb0\uc815\uc758 \ub2e8\ud3b8\uc801\uc778 \uacb0\uacfc\ub85c \uc774\uc5b4\uc84c\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ub178\ub825\uc5d0\ub294 \uc804\uc5fc\ubcd1, \uacf5\uc911 \ubcf4\uac74 \uc870\uce58 \ub610\ub294 \ub458 \ub2e4\ub85c \uc778\ud574 \uac15\uc81c\ub85c \ubb38\uc744 \ub2eb\uc544\uc57c \ud558\ub294 \uc0ac\uc5c5\uccb4\uc5d0 \ub300\ud55c \uc0ac\uc5c5 \uc911\ub2e8 \ubcf4\ud5d8 \uc801\uc6a9 \ubc94\uc704\ub97c \ud574\uacb0\ud558\ub824\ub294 \uc2dc\ub3c4\uac00 \ud3ec\ud568\ub418\uc5c8\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc2dc\ub3c4 \uc911 \ub9ce\uc740 \ubd80\ubd84\uc774 \uc8fc \ucc28\uc6d0\uc5d0\uc11c \uc774\ub8e8\uc5b4\uc84c\uae30 \ub54c\ubb38\uc5d0 \uac01 \uc2dc\ub3c4\ub294 \uc57d\uac04\uc529 \ub2e4\ub978 \uc811\uadfc \ubc29\uc2dd\uc744 \ucde8\ud588\uc73c\uba70 \ub2e4\uc591\ud55c \uacb0\uacfc\ub97c \uac00\uc838\uc654\uc2b5\ub2c8\ub2e4. [&hellip;]<\/p>\n","protected":false},"featured_media":9093,"template":"","insight-category":[],"class_list":["post-19767","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/ko\/wp-json\/wp\/v2\/insight\/19767","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\/9093"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/ko\/wp-json\/wp\/v2\/media?parent=19767"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/ko\/wp-json\/wp\/v2\/insight-category?post=19767"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}