{"id":20717,"date":"2024-09-27T11:08:29","date_gmt":"2024-09-27T16:08:29","guid":{"rendered":"https:\/\/bolttech.io\/insights\/%ec%98%81%ed%96%a5-%ec%bd%94%eb%a1%9c%eb%82%9819%ec%99%80-%eb%b3%b4%ed%97%98-%ec%82%b0%ec%97%85\/"},"modified":"2024-09-27T11:08:32","modified_gmt":"2024-09-27T16:08:32","slug":"%ec%98%81%ed%96%a5-%ec%bd%94%eb%a1%9c%eb%82%9819%ec%99%80-%eb%b3%b4%ed%97%98-%ec%82%b0%ec%97%85","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/ko\/insights\/%ec%98%81%ed%96%a5-%ec%bd%94%eb%a1%9c%eb%82%9819%ec%99%80-%eb%b3%b4%ed%97%98-%ec%82%b0%ec%97%85\/","title":{"rendered":"\uc601\ud5a5: \ucf54\ub85c\ub09819\uc640 \ubcf4\ud5d8 \uc0b0\uc5c5"},"content":{"rendered":"\n<p>\ucd5c\uadfc \uba87 \uc8fc \ub3d9\uc548 COVID-19\ub294 \ubbf8\uad6d\uacfc \uc804 \uc138\uacc4\uc758 \uac70\uc758 \ubaa8\ub4e0 \uc0dd\ud65c \ubd80\ubb38\uc5d0 \uc601\ud5a5\uc744 \ubbf8\ucce4\uc2b5\ub2c8\ub2e4.\n\ub9ce\uc740 \uc8fc\uc5d0\uc11c \uc790\ud0dd \ub300\ud53c\ub839\uc744 \ub0b4\ub824 \uac70\uc758 \ubaa8\ub4e0 \uadfc\ub85c\uc790\uac00 \uc6d0\uaca9\uc73c\ub85c \uadfc\ubb34\ud558\uac70\ub098 \uc0ac\uc5c5\uccb4\uc758 \ubb3c\ub9ac\uc801 \uc704\uce58\uac00 \uac15\uc81c\ub85c \ud3d0\uc1c4\ub428\uc5d0 \ub530\ub77c \uc791\uc5c5\uc744 \uc644\uc804\ud788 \uc911\ub2e8\ud558\ub3c4\ub85d \uc694\uad6c\ud588\uc2b5\ub2c8\ub2e4.\n\uc2e0\uc885 \ubc14\uc774\ub7ec\uc2a4\uc758 \ud655\uc0b0\uc744 \ub2a6\ucdb0\uc57c \ud560 \ud544\uc694\uc131\uc73c\ub85c \uc778\ud574 \uc11c\ub85c \ubb3c\ub9ac\uc801 \uac70\ub9ac\ub97c \uc720\uc9c0\ud558\ub294 \uac83\uc5d0 \ub300\ud55c \uc0c8\ub85c\uc6b4 \uaddc\uce59\uc774 \ubd80\uacfc\ub418\uc5b4 \ube44\uc988\ub2c8\uc2a4 \ubc0f \uac1c\uc778 \uc0dd\ud65c\uc774 \ubaa8\ub450 \uc911\ub2e8\ub418\uc5c8\uc2b5\ub2c8\ub2e4.\n\uc5ec\uae30\uc5d0\ub294 \ubcf4\ud5d8 \uc0b0\uc5c5\uc774 \ud3ec\ud568\ub429\ub2c8\ub2e4.   <\/p>\n\n<p>COVID-19\uc640 \uadf8\uac83\uc774 \uc9c0\uc5ed, \uad6d\uac00 \ubc0f \uae00\ub85c\ubc8c \ube44\uc988\ub2c8\uc2a4\uc5d0 \ubbf8\uce58\ub294 \uad81\uadf9\uc801\uc778 \uc601\ud5a5\uc5d0 \ub300\ud574 \uc544\uc9c1 \ubaa8\ub974\ub294 \uac83\uc774 \ub9ce\uc73c\uba70, \ub9ce\uc740 \uae30\uc5c5\uc774 \uc5b4\ub514\uc5d0 \ub3c4\uc6c0\uc744 \uccad\ud574\uc57c \ud560\uc9c0 \ud655\uc2e0\ud558\uc9c0 \ubabb\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.\nP&amp;C \uc6b4\uc1a1\uc5c5\uccb4\ub294 \uace0\uac1d\uc744 \uc9c0\uc6d0\ud558\uace0 COVID-19\uac00 \uc790\uc0ac\uc758 \ube44\uc988\ub2c8\uc2a4\uc5d0 \ubbf8\uce58\ub294 \ud53c\ud574\ub97c \uc644\ud654\ud574\uc57c \ud560 \ucc45\uc784\uc774 \ub354 \ucee4\uc84c\uc2b5\ub2c8\ub2e4.   <\/p>\n\n<h2 class=\"wp-block-heading\">\uc0ac\uc5c5\uccb4 \uccad\uad6c \uc99d\uac00<\/h2>\n\n<p>\uc704\uae30 \uc0c1\ud669\uc774 \ubc1c\uc0dd\ud558\uba74 \uace0\uac1d\uc774 \ubcf4\ud5d8 \ud68c\uc0ac\uc5d0 \uc804\ud654\ub97c \uac70\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc73c\uba70 \ucf54\ub85c\ub098 \ubc14\uc774\ub7ec\uc2a4\ub3c4 \ub2e4\ub974\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4.\n\ub9ce\uc740 \uae30\uc5c5\uc774 COVID-19\uac00 \uc5c5\ubb34\uc5d0 \ubbf8\uce58\ub294 \uc601\ud5a5\uc5d0 \ub300\ud574 \ubcf4\ud5d8\uc0ac\uc5d0 \uc758\uc874\ud558\uc5ec \ub300\uc751\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n<p>\uadf8\ub7ec\ub098 COVID-19\ub294 \uc774\ub840\uc801\uc778 \uc0c1\ud669\uc774\uae30 \ub54c\ubb38\uc5d0 \ub9ce\uc740 \ubcf4\ud5d8 \uc815\ucc45\uc774 \uc804\uc5fc\ubcd1\uc744 \uc9c1\uc811 \ub2e4\ub8e8\uc9c0 \uc54a\uac70\ub098 \ud2b9\uc815 \uc870\ud56d\uc774 COVID-19 \uad00\ub828 \uc0ac\uc5c5 \uc190\uc2e4\uc5d0 \ub300\ud55c \ubcf4\uc7a5\uc744 \uc81c\uacf5\ud558\ub294\uc9c0 \uc5ec\ubd80\ub97c \uc815\ub2f9\ud654\ud558\uae30 \uc704\ud574 \ud574\uc11d\uc774 \ud544\uc694\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.  <\/p>\n\n<h2 class=\"wp-block-heading\">\uc0ac\uc5c5 \uc911\ub2e8<\/h2>\n\n<p>\uc608\ub97c \ub4e4\uc5b4, \uace0\uac1d\uc758 \ube44\uc988\ub2c8\uc2a4 \uc911\ub2e8 \ubcf4\uc7a5\uc5d0 \ub530\ub978 \uccad\uad6c\ub294 COVID-19 \uc624\uc5fc\uc774 \ubb3c\ub9ac\uc801 \uc190\uc0c1\uc73c\ub85c \uac04\uc8fc\ub420 \uc218 \uc788\ub294\uc9c0 \uc5ec\ubd80\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9c8 \uc218 \uc788\ub2e4\uace0 Van Ness Feldman\uc758 \ud30c\ud2b8\ub108\uc778 <a href=\"https:\/\/www.natlawreview.com\/article\/covid-19-insurance-impacts\" target=\"_blank\" rel=\"noreferrer noopener\">Brian L. Zagon \ubcc0\ud638\uc0ac\uc640 Michael D. Goodstein<\/a> \ubcc0\ud638\uc0ac\ub294 \uc37c\uc2b5\ub2c8\ub2e4.\n\uadf8\ub4e4\uc740 &#8220;COVID-19 \uc624\uc5fc\uc774 \ubb3c\ub9ac\uc801 \uc190\uc0c1\uc778\uac00?&#8221;\ub77c\ub294 \uc9c8\ubb38\uc774 \ub17c\uc7c1 \uc911\uc778 \uacc4\ub958 \uc911\uc778 \ud55c \ubc95\uc801 \uc0ac\uac74\uc744 \uc5b8\uae09\ud569\ub2c8\ub2e4. <\/p>\n\n<p>Hays Companies\uc758 \ubd80\uc0ac\uc7a5 \uacb8 \uc120\uc784 \ubd80\ub3d9\uc0b0 \uccad\uad6c \uc774\uc0ac\uc778 <a href=\"https:\/\/www.hayscompanies.com\/covid-19-property-policies-and-business-interruption-considerations\/\" target=\"_blank\" rel=\"noreferrer noopener\">Blake Berscheid<\/a>\ub294 &#8220;\uc0ac\uc5c5 \uc911\ub2e8\uc740 \uc77c\ubc18\uc801\uc73c\ub85c \uc790\uaca9\uc744 \uac16\ucd98 \uae30\uad00\uc774 \uc0ac\uc5c5\uc7a5\uc744 \ud3d0\uc1c4\ud558\ub77c\ub294 \uba85\ub839\uc744 \ub0b4\ub9b0 \uc2dc\uc810\uc5d0 \uc2dc\uc791\ub418\uc5b4 \uba85\ub839\uc774 \ud574\uc81c\ub420 \ub54c, \uccad\uc18c \ud65c\ub3d9\uc774 \uc644\ub8cc\ub420 \ub54c \ub610\ub294 \uc815\ucc45\uc5d0 \uba85\uc2dc\ub41c \ucd5c\ub300 \uc77c\uc218\uc5d0 \ub3c4\ub2ec\ud588\uc744 \ub54c \uc885\ub8cc\ub429\ub2c8\ub2e4&#8221;\ub77c\uace0 \uc124\uba85\ud569\ub2c8\ub2e4.  <\/p>\n\n<p>\ubaa8\ub4e0 \uc0c1\uc5c5 \uc0ac\uc5c5 \uc911\ub2e8 \uc815\ucc45\uc5d0 \ud574\uc11d\uc758 \uc5ec\uc9c0\uac00 \uc788\ub294 \uac83\uc740 \uc544\ub2d9\ub2c8\ub2e4.\n\uc608\ub97c \ub4e4\uc5b4, \uc0ac\uc2a4(SARS) \uc804\uc5fc\ubcd1 \uc774\ud6c4 \ub9ce\uc740 \uc815\ucc45\uc774 \uc5c5\ub370\uc774\ud2b8\ub418\uc5b4 \ubc15\ud14c\ub9ac\uc544 \ub610\ub294 \ubc14\uc774\ub7ec\uc2a4 \uac10\uc5fc\uc5d0 \ub300\ud55c \ubcf4\uc7a5\uc744 \uad6c\uccb4\uc801\uc73c\ub85c \uc81c\uc678\ud588\ub2e4\uace0 Pillsbury Law\uc758 \ud30c\ud2b8\ub108\uc778 <a href=\"https:\/\/www.pillsburylaw.com\/en\/news-and-insights\/insuring-against-the-business-risks-of-coronavirus.html\" target=\"_blank\" rel=\"noreferrer noopener\">David F. Klein<\/a>\uc740 \ub9d0\ud569\ub2c8\ub2e4.\n\uadf8\ub7ec\ub098 \uc5ec\uae30\uc11c\ub294 COVID-19\uac00 \ubc15\ud14c\ub9ac\uc544\uac00 \uc544\ub2cc \ubc14\uc774\ub7ec\uc2a4\uc774\ubbc0\ub85c \ubc15\ud14c\ub9ac\uc544\ub9cc \uc5b8\uae09\ud558\ub294 \uc608\uc678 \uc870\ud56d\uc740 \uc801\uc6a9\ub418\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4.  <\/p>\n\n<p>COVID-19\ub97c \ub2e4\ub8e8\uae30 \uc704\ud574 \ud1b5\uacfc\ub41c \uc0c8\ub85c\uc6b4 \uc8fc \ub610\ub294 \uc5f0\ubc29\ubc95\uc740 \ubc14\uc774\ub7ec\uc2a4 \uac10\uc5fc\uc744 \uc81c\uc678\ud558\uace0 \ud2b9\ubcc4\ud788 \uc774\ub984\uc744 \uc9c0\uc815\ud558\ub294 \uacbd\uc6b0\uc5d0\ub3c4 \ubcf4\uc7a5\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce60 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n\uc77c\ubd80 \uc8fc\uc5d0\uc11c\ub294 \ud574\ub2f9 \uc8fc\uc758 \ubcf4\ud5d8\uc0ac\uac00 \uc774\ub7ec\ud55c \uccad\uad6c\uc5d0 \ub300\ud574 \ud2b9\uc815 \ubc29\uc2dd\uc73c\ub85c \ub300\uc751\ud558\ub3c4\ub85d \uc758\ubb34\ud654\ud568\uc73c\ub85c\uc368 \uc0ac\uc5c5 \uc911\ub2e8 \ubcf4\uc0c1 \ubd84\uc7c1\uc5d0 \uc55e\uc11c \ub098\uac00\uace0 \uc788\uc2b5\ub2c8\ub2e4.\n\uc608\ub97c \ub4e4\uc5b4, 2020\ub144 3\uc6d4 16\uc77c \ub274\uc800\uc9c0 \uc758\ud68c\uc5d0 \uc0c1\uc815\ub41c <a href=\"https:\/\/www.njleg.state.nj.us\/2020\/Bills\/A4000\/3844_I1.PDF\" target=\"_blank\" rel=\"noreferrer noopener\">\ubc95\uc548\uc774<\/a> \ud1b5\uacfc\ub418\uba74 \ubcf4\ud5d8\uc0ac\ub294 COVID-19 \uc624\uc5fc\uc744 \ubcf4\uc7a5 \uccad\uad6c\ub85c \ucde8\uae09\ud574\uc57c \ud569\ub2c8\ub2e4.    <\/p>\n\n<h2 class=\"wp-block-heading\">\uac74\uc124 \ud074\ub808\uc784<\/h2>\n\n<p>\uac74\uc124\ubcf4\ud5d8 \uccad\uad6c \uac74\uc218\ub3c4 \ucf54\ub85c\ub09819\ub85c \uc778\ud55c \uc791\uc5c5 \ub454\ud654\ub85c \uc778\ud574 \uc99d\uac00\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub41c\ub2e4.  <\/p>\n\n<p>&#8220;\uadfc\ub85c\uc790\ub4e4\uc774 \uac10\uc5fc\ub418\uace0, \uc544\ud504\uace0, \uaca9\ub9ac\ub428\uc5d0 \ub530\ub77c \ub178\ub3d9\ub825 \ubd80\uc871\uc774 \ubc1c\uc0dd\ud560 \uac00\ub2a5\uc131\uc774 \ub9e4\uc6b0 \ub192\uc2b5\ub2c8\ub2e4. \uc774\ub85c \uc778\ud574 \uc9c4\ud589 \uc911\uc778 \uac74\uc124 \ud504\ub85c\uc81d\ud2b8\uac00 \uc9c0\uc5f0\ub418\uac70\ub098 \uc601\ud5a5\uc744 \ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4&#8221;\ub77c\uace0 \ub85c\ud38c Hall Estill\uc758 \ud30c\ud2b8\ub108\uc778 <a href=\"https:\/\/www.propertycasualty360.com\/2020\/03\/23\/construction-industry-feeling-impact-from-covid-19-slowdown\/\" target=\"_blank\" rel=\"noreferrer noopener\">Michael Keester<\/a>\ub294 \ub9d0\ud569\ub2c8\ub2e4.  <\/p>\n\n<p>\uac74\uc124 \uacc4\uc57d\uc5d0\ub294 \uc77c\ubc18\uc801\uc73c\ub85c \ud504\ub85c\uc81d\ud2b8 \uc644\ub8cc \uc2dc\uac04\uc744 \ub2e4\ub8e8\ub294 \uc870\ud56d\uc774 \ud3ec\ud568\ub429\ub2c8\ub2e4. \ub9ce\uc740 \uc0ac\ub78c\ub4e4\uc5d0\uac8c \uc2dc\uac04\uc740 \ub9e4\uc6b0 \uc911\uc694\ud569\ub2c8\ub2e4.\nCOVID-19 \uad00\ub828 \uc167\ub2e4\uc6b4, \uc790\ud0dd \ub300\ud53c\ub839 \ubc0f \uac10\uc5fc\uc774 \uadfc\ub85c\uc790\uc758 \uac00\uc6a9\uc131\uacfc \uac74\uc124 \ud504\ub85c\uc81d\ud2b8\uc758 \uc801\uc2dc\uc131\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce58\uba74\uc11c \uc774\ub7ec\ud55c \uc801\uc2dc\uc131 \uc870\ud56d\uc5d0 \ub300\ud55c \ubd84\uc7c1\ub3c4 \uc57c\uae30\ub420 \uac83\uc774\ub77c\uace0 Keester\ub294 \ub9d0\ud569\ub2c8\ub2e4. <\/p>\n\n<h2 class=\"wp-block-heading\">COVID-19 \uc0c1\ud669\uc5d0\uc11c\uc758 \uc0ac\uc5c5 \uc218\ud589<\/h2>\n\n<p>\ubcf4\ud5d8\uc0ac\uc758 \uacbd\uc6b0, \uccad\uad6c \ub610\ub294 \ubcf4\uc0c1 \ubc94\uc704 \uc9c8\ubb38\uc5d0 \uc751\ub2f5\ud558\ub294 \uac83\uc740 \ucf54\ub85c\ub098\ubc14\uc774\ub7ec\uc2a4\uc5d0 \ub300\ucc98\ud558\ub294 \ud55c \uac00\uc9c0 \uce21\uba74\uc77c \ubfd0\uc785\ub2c8\ub2e4.\n\ubcf4\ud5d8\uc0ac\ub294 \uace0\uc6a9\uc8fc\ub85c\uc11c\uc758 \uc5ed\ud560\ub3c4 \uace0\ub824\ud574\uc57c \ud569\ub2c8\ub2e4.   <\/p>\n\n<h2 class=\"wp-block-heading\">\ubcf4\ud5d8 \uc5c5\ubb34 \ud328\ud134\uc758 \ubcc0\ud654<\/h2>\n\n<p>2020\ub144 3\uc6d4 24\uc77c \ud604\uc7ac, \uc804\uad6d 16\uac1c \uc8fc, 9\uac1c \uce74\uc6b4\ud2f0 \ubc0f 4\uac1c \uc8fc\uc758 3\uac1c \ub3c4\uc2dc\uac00 \uc790\ud0dd \ub300\uae30 \ub610\ub294 \uc790\ud0dd \ub300\ud53c\ub839\uc744 \ub0b4\ub838\uc2b5\ub2c8\ub2e4.<\/p>\n\n<p>\uc774\ub7ec\ud55c \uba85\ub839\uc740 \uc57d 1\uc5b5 5,800\ub9cc \uba85\uc758 \ubbf8\uad6d \uac70\uc8fc\uc790\uc5d0\uac8c \uc601\ud5a5\uc744 \ubbf8\uce5c\ub2e4\uace0 <a href=\"https:\/\/www.nytimes.com\/interactive\/2020\/us\/coronavirus-stay-at-home-order.html\" target=\"_blank\" rel=\"noreferrer noopener\">Sarah Mervosh\uc640 Denise Lu<\/a> \ub294 New York Times\uc5d0 \uc37c\uc2b5\ub2c8\ub2e4.\n\uc138\ubd80 \uc0ac\ud56d\uc740 \ub2e4\uc591\ud558\uc9c0\ub9cc \uacb0\ub860\uc740 \uac19\uc2b5\ub2c8\ub2e4 : \uaf2d \ud544\uc694\ud55c \uacbd\uc6b0\uac00 \uc544\ub2c8\uba74 \uc9d1\uc744 \ub5a0\ub098\uc9c0 \ub9c8\uc2ed\uc2dc\uc624.   <\/p>\n\n<p>\ub610\ud55c \ub9ce\uc740 \uba85\ub839\uc740 \uae30\uc5c5\uc774 \ube44\uc988\ub2c8\uc2a4\ub97c \uacc4\uc18d \uc6b4\uc601\ud558\uac70\ub098 \ub2e4\ub978 \uc9c1\uc6d0\uc774 \uc7ac\ud0dd \uadfc\ubb34\ub97c \ud560 \uc218 \uc788\ub3c4\ub85d \uc9c1\uc6d0\uc744 \uc81c\ud55c\ud558\ub3c4\ub85d \uc694\uad6c\ud569\ub2c8\ub2e4.\n\ub9ce\uc740 \ubcf4\ud5d8 \ud68c\uc0ac\uac00 \uc774 \uaddc\uce59\uc744 \ub530\ub77c\uc57c \ud569\ub2c8\ub2e4.\n\uacb0\uacfc\uc801\uc73c\ub85c &#8220;\ucf54\ub85c\ub09819 \ud655\uc0b0\uc744 \uc5b5\uc81c\ud558\uae30 \uc704\ud55c \ub178\ub825\uc5d0 \uc911\uc810\uc744 \ub454\ub2e4\ub294 \uac83\uc740 \ubcf4\ud5d8\uacc4\ub9ac\uc0ac\uc5d0\uc11c \ubcf4\ud5d8\uc5c5\uc790, \uccad\uad6c \uad00\ub9ac\uc790\uc5d0 \uc774\ub974\uae30\uae4c\uc9c0 \ubcf4\ud5d8 \ud68c\uc0ac \uc9c1\uc6d0\uc774 \ub300\ubd80\ubd84 \uc9d1\uc5d0\uc11c \uc624\ud504\uc0ac\uc774\ud2b8\uc5d0\uc11c \uc77c\ud560 \uc218 \uc788\ub3c4\ub85d \ud558\ub294 \uac83\uc744 \uc758\ubbf8\ud560 \uc218 \uc788\ub2e4&#8221;\uace0 \ub51c\ub85c\uc774\ud2b8\uc758 \ubd80\ud68c\uc7a5 \uacb8 \ubbf8\uad6d \ubcf4\ud5d8 \ub9ac\ub354\uc778 <a href=\"https:\/\/www2.deloitte.com\/us\/en\/insights\/economy\/covid-19\/impact-of-covid-19-on-insurers.html\" target=\"_blank\" rel=\"noreferrer noopener\">\uac8c\ub9ac \uc1fc(Gary Shaw<\/a>)\ub294 \ub9d0\ud569\ub2c8\ub2e4.    <\/p>\n\n<p>\uc0ac\uc774\ubc84 \ubcf4\uc548 \ubb38\uc81c \ubc0f \uc815\ubcf4 \uc561\uc138\uc2a4\uc5d0 \uc8fc\uc758\ub97c \uae30\uc6b8\uc774\uba74 \uc6d0\uaca9 \uc9c1\uc6d0\uc774 \ud544\uc218 \uc791\uc5c5\uc744 \uc644\ub8cc\ud558\ub294 \ub370 \ud544\uc694\ud55c \uc815\ubcf4\uc5d0 \uc548\uc804\ud558\uace0 \uc548\uc815\uc801\uc73c\ub85c \uc561\uc138\uc2a4\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\nShaw\ub294 \uac01 \ubcf4\ud5d8 \uc9c1\uc6d0\uc5d0\uac8c \ub7a9\ud1b1 \ub610\ub294 \ub370\uc2a4\ud06c\ud1b1 \ucef4\ud4e8\ud130, \uc911\uc694\ud55c \uc560\ud50c\ub9ac\ucf00\uc774\uc158 \ubc0f \ub370\uc774\ud130\ub97c \ubcf4\ud638\ud558\uae30 \uc704\ud55c \uac00\uc0c1 \uc0ac\uc124\ub9dd, \uc624\ub514\uc624 \ubc0f \ube44\ub514\uc624 \ud611\uc5c5 \ub3c4\uad6c, \uc6d0\uaca9 \uadfc\ubb34\uc790\ub97c \uc9c0\uc6d0\ud558\uae30 \uc704\ud55c &#8220;\uc801\uc808\ud55c \uc7a5\ube44\uc640 \uc778\ub825\uc73c\ub85c \uad6c\uc131\ub41c IT \uc9c0\uc6d0 \ud300&#8221;\uc5d0 \ub300\ud55c \uc561\uc138\uc2a4 \uad8c\ud55c\uc744 \uc81c\uacf5\ud560 \uac83\uc744 \uad8c\uc7a5\ud569\ub2c8\ub2e4.   <\/p>\n\n<h2 class=\"wp-block-heading\">\uc720\uc608\ub41c \ubcf4\ud5d8\ub8cc?<\/h2>\n\n<p>COVID-19 \uad00\ub828 \uc167\ub2e4\uc6b4\uc73c\ub85c \uc778\ud55c \uc778\ub825 \ubd80\uc871\uc758 \uacbd\uc81c\uc801 \uc601\ud5a5\uc744 \uac1c\uc120\ud558\uae30 \uc704\ud574 \uc77c\ubd80 \uc8fc\uc5d0\uc11c\ub294 \ubcf4\ud5d8\uc0ac\uc5d0 \ubcf4\ud5d8\ub8cc \ub0a9\ubd80\uc5d0 \ub300\ud55c \uc720\uc608 \uae30\uac04\uc744 \uc2dc\ud589\ud558\ub3c4\ub85d \uba85\ub839\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.\n2020\ub144 3\uc6d4 18\uc77c, \uce98\ub9ac\ud3ec\ub2c8\uc544 \ubcf4\ud5d8 \uac10\ub3c5\uad00 \ub9ac\uce74\ub974\ub3c4 \ub77c\ub77c(Ricardo Lara)\ub294 \ubaa8\ub4e0 \ubcf4\ud5d8\uc0ac\uc5d0 \ubcf4\ud5d8\ub8cc \ub0a9\ubd80\uc5d0 \ub300\ud55c \ucd5c\uc18c 60\uc77c\uc758 \uc720\uc608 \uae30\uac04\uc744 <a href=\"http:\/\/www.insurance.ca.gov\/0400-news\/0100-press-releases\/2020\/upload\/nr030-BillingGracePeriodNotice03182020.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">\uc81c\uacf5\ud558\ub3c4\ub85d \uc694\uccad\ud588\uc2b5\ub2c8\ub2e4<\/a> .   <\/p>\n\n<p><a href=\"http:\/\/www.insurance.ca.gov\/0400-news\/0100-press-releases\/2020\/release030-2020.cfm\" target=\"_blank\" rel=\"noreferrer noopener\">Lara<\/a>\ub294 \ubcf4\ub3c4 \uc790\ub8cc\uc5d0\uc11c &#8220;\uc9c0\uae08\uc740 \uc18c\ube44\uc790\uac00 \uc774 \uc804\ub840 \uc5c6\ub294 \ubd88\ud655\uc2e4\uc131\uc758 \uc2dc\uae30\ub97c \uacac\ub38c\ub0bc \uc218 \uc788\ub3c4\ub85d \ub3d5\uae30 \uc704\ud574 \ud568\uaed8 \ubaa8\uc77c \ub54c\uc774\uba70, \uc5ec\uae30\uc5d0\ub294 \ubcf4\ud5d8 \uac00\uc785\uc790\uac00 \ubcf4\ud5d8\ub8cc\ub97c \uc9c0\ubd88\ud560 \uc218 \uc5c6\ub294 \uacbd\uc6b0 \ubcf4\ud5d8 \ubcf4\uc7a5\uc744 \uc720\uc9c0\ud560 \uc218 \uc788\ub3c4\ub85d \ub3d5\ub294 \uac83\uc774 \ud3ec\ud568\ub429\ub2c8\ub2e4&#8221;\ub77c\uace0 \ub9d0\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n\n<p>\ubcf4\ud5d8\ub8cc\ub294 \ubaa8\uae30\uc9c0, \ud559\uc790\uae08 \ub300\ucd9c \ubc0f \uc2e0\uc6a9 \uce74\ub4dc\uc640 \ud568\uaed8 \uc720\uc608 \ub610\ub294 \uc720\uc608\ub97c \uc704\ud574 \uace0\ub824\ub418\ub294 \uc77c\ubc18 \uac00\uacc4 \uc9c0\ubd88\uc758 \ub9ce\uc740 \uc720\ud615 \uc911 \ud558\ub098\uc785\ub2c8\ub2e4.\n\ud604\uc7ac\uae4c\uc9c0 \ubc95\uc801 \ud6a8\ub825\uc744 \uac00\uc9c4 \uc774\ub7ec\ud55c \uc911\ub2e8 \uc870\uce58\ub294 \uac70\uc758 \uc5c6\uc9c0\ub9cc, COVID-19 \uac10\uc5fc \uc704\ud5d8\uc73c\ub85c \uc778\ud574 \ub300\ub2e4\uc218 \uc778\uad6c\uac00 \uc9d1\uc5d0 \uba38\ubb3c\ub7ec\uc57c \ud558\ub294 \ud55c \ubbf8\uad6d \uc18c\ube44\uc790\ub4e4\uc740 \ub3c4\uc6c0\uc774 \ud544\uc694\ud560 \uac83\uc73c\ub85c \ubcf4\uc785\ub2c8\ub2e4.   <\/p>\n\n<h2 class=\"wp-block-heading\">\ubcf4\ud5d8\uc0ac\ub97c \uc704\ud55c \uc8fc\uc694 \uace0\ub824 \uc0ac\ud56d<\/h2>\n\n<p>\uace0\uc6a9\uc8fc\uc774\uc790 \uc704\ud5d8, \uc7ac\uc0b0 \ubc0f \uc0c1\ud574 \uc804\ubb38\uac00\ub85c\uc11c \ubcf4\ud5d8\uc0ac\ub294 COVID-19 \ub300\uc751 \ubc0f \ubcf5\uad6c\uc5d0 \uc911\uc694\ud55c \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4.\n\uc544\uc9c1 \uc54c\ub824\uc9c0\uc9c0 \uc54a\uc740 \uac83\uc774 \ub9ce\uc9c0\ub9cc, \ubcf4\ud5d8\uc0ac\ub4e4\uc740 \ud604\uc7ac\uc758 \ube44\uc988\ub2c8\uc2a4\uc640 <a href=\"https:\/\/www.boltinc.com\/insights\/blogs\/agility-for-p&amp;cs\/?__hstc=103362207.8432e18fe1b4e270bd8d783f6794e506.1724072077526.1724252449792.1724256511253.9&amp;__hssc=103362207.4.1725178227325&amp;__hsfp=3405490495\" target=\"_blank\" rel=\"noreferrer noopener\">\ubbf8\ub798\uc758 \uc694\uad6c \uc0ac\ud56d\uc744<\/a> \ud6a8\uacfc\uc801\uc73c\ub85c \ucc98\ub9ac\ud558\uae30 \uc704\ud574 \uc9c0\uae08 \ub2f9\uc7a5 \uc870\uce58\ub97c \ucde8\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n<h2 class=\"wp-block-heading\">\ucd08\uae30\uc5d0 \uc790\uc8fc \uc18c\ud1b5\ud55c\ub2e4<\/h2>\n\n<p>\ubcf4\ud5d8\uae08 \uccad\uad6c\ub97c \uc81c\uae30\ud558\uae30 \uc804\uc5d0 \uace0\uac1d\uc758 \ubcf4\uc7a5 \uc635\uc158\uc744 \uba85\ud655\ud788 \ud558\uba74 P&amp;C \ubcf4\ud5d8\uc0ac\uac00 \ubd88\ud655\uc2e4\ud55c \uc2dc\uae30\uc5d0 \ubcf4\ud5d8\uae08 \uccad\uad6c \ubc0f \uccad\uad6c \ubd84\uc7c1\uc744 \uad00\ub9ac\ud558\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.  <\/p>\n\n<p>\uc608\ub97c \ub4e4\uc5b4, 2020\ub144 3\uc6d4 10\uc77c, \ub274\uc695 \uae08\uc735\uc11c\ube44\uc2a4\uad6d(New York Department of Financial Services)\uc758 <a href=\"https:\/\/www.vnf.com\/webfiles\/businessinterruptionsec3082020.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">\uc2a4\ud2f0\ube10 \ub450\ub514(Stephen Doody<\/a> ) \ubd80\uad50\uc721\uac10\uc740 \uacf5\uc778\ub41c P&amp;C \ubcf4\ud5d8\uc0ac\uc5d0 \uc0ac\uc5c5 \uc911\ub2e8 \ubcf4\uc7a5\uc744 \ud3ec\ud568\ud558\uc5ec &#8220;\ub274\uc695\uc5d0\uc11c \uc791\uc131\ud55c \uc0c1\uc5c5\uc6a9 \ubd80\ub3d9\uc0b0 \ubcf4\ud5d8\uc5d0 \uad00\ud55c \ud2b9\uc815 \uc815\ubcf4\ub97c \uc81c\uacf5\ud560 \uac83&#8221;\uc744 \uc694\uad6c\ud558\ub294 \uc11c\ud55c\uc744 \ubc1c\ud589\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n\n<p>\ub610\ud55c \ubcf4\ud5d8\uc0ac\uc5d0 \uc5f0\ub77d\ud558\uac70\ub098, \ubcf4\uc7a5 \ubc94\uc704\ub97c \ubcc0\uacbd\ud558\uac70\ub098, \uccad\uad6c\ub97c \uc81c\uae30\ud558\ub294 \uc77c\ubc18\uc801\uc778 \uc808\ucc28\uc758 \ubcc0\uacbd \uc0ac\ud56d\uc5d0 \ub300\ud574 \uace0\uac1d\uc5d0\uac8c \uc54c\ub9ac\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4.\n\ud604\uc7ac \ub9ce\uc740 \ubcf4\ud5d8 \ud68c\uc0ac\uac00 \uc6d0\uaca9 \uadfc\ubb34\uc790\uc5d0 \ud06c\uac8c \uc758\uc874\ud558\uace0 \uc788\uae30 \ub54c\ubb38\uc5d0 \uc774\ub7ec\ud55c \ud504\ub85c\uc138\uc2a4\uac00 \ubcc0\uacbd\ub418\uac70\ub098 \uc911\ub2e8\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n\ud53c\ubcf4\ud5d8\uc790\uc5d0\uac8c \ubcf4\ud5d8 \ud68c\uc0ac\uc5d0 \uc5f0\ub77d\ud558\ub294 \ubc29\ubc95\uc5d0 \ub300\ud55c \uba85\ud655\ud55c \uc9c0\uce68\uc744 \uc81c\uacf5\ud558\uba74 \uace0\uac1d\uacfc \ubcf4\ud5d8\uc0ac \ubaa8\ub450 \ube44\uc988\ub2c8\uc2a4\ub97c \ubcf4\ub2e4 \uc6d0\ud65c\ud558\uac8c \ucc98\ub9ac\ud558\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.    <\/p>\n\n<h2 class=\"wp-block-heading\">\uae30\uc874 \uc774\uc810\uc5d0 \uc758\uc874<\/h2>\n\n<p>\ud604\uc7ac \uc190\ud574\ubcf4\ud5d8\uc0ac\ub4e4\uc740 \ucf54\ub85c\ub09819 \uad00\ub828 \uccad\uad6c\uc5d0 \ub300\uc751\ud558\uace0 \ubcf4\uc7a5\ub418\ub294 \ubcf4\ud5d8\uae08\uc744 \uc9c0\uae09\ud560 \uc218 \uc788\ub294 \uac15\ub825\ud55c \uc704\uce58\uc5d0 \uc788\ub2e4\uace0 \ubcf4\ud5d8\uc815\ubcf4\uc5f0\uad6c\uc18c(Insurance Information Institute)\uc758 <a href=\"https:\/\/www.iii.org\/presentation\/the-impact-of-covid-19-on-p-c-insurance-032020\" target=\"_blank\" rel=\"noreferrer noopener\">\uc200 \ucf00\ubca8\ub9ac\ud55c(Sean Kevelighan)\uacfc \ubbf8\uc178 \ub808\ub108\ub4dc(Michel Leonard) \ubc15\uc0ac\ub294<\/a> \ub9d0\ud569\ub2c8\ub2e4.  <\/p>\n\n<p>2019\ub144 3\ubd84\uae30 \uae30\uc900\uc73c\ub85c \ubcf4\ud5d8 \uac00\uc785\uc790\uc758 \ub204\uc801 \ud751\uc790\ub294 8,000\uc5b5 \ub2ec\ub7ec\ub97c \ub118\uc5b4\uc130\uc73c\uba70, \uc774\ub294 2017\ub144 \ubbf8\uad6d\uc5d0\uc11c P&amp;C \ubcf4\ud5d8\uc0ac\ub4e4\uc774 \uc790\uc5f0\uc7ac\ud574 \ubcf4\ud5d8\uae08 \uccad\uad6c\uc5d0 \ub300\ud574 \uc9c0\uae09\ud55c \uae08\uc561\uc758 8\ubc30\uc5d0 \ub2ec\ud569\ub2c8\ub2e4.\n\ub2e4\uc591\ud55c \ud22c\uc790 \ud3ec\ud2b8\ud3f4\ub9ac\uc624, \ucca0\uc800\ud55c \uc7ac\ubcf4\ud5d8 \ubc0f \uae30\uc874 \uc8fc\uc815\ubd80 \ubcf4\uc99d \uae30\uae08\uc740 \ucf54\ub85c\ub098\ubc14\uc774\ub7ec\uc2a4\ub85c \uc778\ud574 \uccad\uad6c \uc99d\uac00\uc5d0 \uc9c1\uba74\ud55c \ubcf4\ud5d8 \ud68c\uc0ac\uc5d0 \ucd94\uac00\uc801\uc778 \uc9c0\uc6d0\uc744 \uc81c\uacf5\ud55c\ub2e4\uace0 Kevelighan\uacfc Leonard\ub294 \ub9d0\ud569\ub2c8\ub2e4.   <\/p>\n\n<p><em>\uc774\ubbf8\uc9c0 \uc791\uc131\uc790: daisydaisy\/\u00a9123RF.com, fizkes\/\u00a9123RF.com, ndoeljindoel\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\ucd5c\uadfc \uba87 \uc8fc \ub3d9\uc548 COVID-19\ub294 \ubbf8\uad6d\uacfc \uc804 \uc138\uacc4\uc758 \uac70\uc758 \ubaa8\ub4e0 \uc0dd\ud65c \ubd80\ubb38\uc5d0 \uc601\ud5a5\uc744 \ubbf8\ucce4\uc2b5\ub2c8\ub2e4. \ub9ce\uc740 \uc8fc\uc5d0\uc11c \uc790\ud0dd \ub300\ud53c\ub839\uc744 \ub0b4\ub824 \uac70\uc758 \ubaa8\ub4e0 \uadfc\ub85c\uc790\uac00 \uc6d0\uaca9\uc73c\ub85c \uadfc\ubb34\ud558\uac70\ub098 \uc0ac\uc5c5\uccb4\uc758 \ubb3c\ub9ac\uc801 \uc704\uce58\uac00 \uac15\uc81c\ub85c \ud3d0\uc1c4\ub428\uc5d0 \ub530\ub77c \uc791\uc5c5\uc744 \uc644\uc804\ud788 \uc911\ub2e8\ud558\ub3c4\ub85d \uc694\uad6c\ud588\uc2b5\ub2c8\ub2e4. \uc2e0\uc885 \ubc14\uc774\ub7ec\uc2a4\uc758 \ud655\uc0b0\uc744 \ub2a6\ucdb0\uc57c \ud560 \ud544\uc694\uc131\uc73c\ub85c \uc778\ud574 \uc11c\ub85c \ubb3c\ub9ac\uc801 \uac70\ub9ac\ub97c \uc720\uc9c0\ud558\ub294 \uac83\uc5d0 \ub300\ud55c \uc0c8\ub85c\uc6b4 \uaddc\uce59\uc774 \ubd80\uacfc\ub418\uc5b4 \ube44\uc988\ub2c8\uc2a4 \ubc0f \uac1c\uc778 \uc0dd\ud65c\uc774 \ubaa8\ub450 [&hellip;]<\/p>\n","protected":false},"featured_media":7999,"template":"","insight-category":[],"class_list":["post-20717","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/ko\/wp-json\/wp\/v2\/insight\/20717","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\/7999"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/ko\/wp-json\/wp\/v2\/media?parent=20717"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/ko\/wp-json\/wp\/v2\/insight-category?post=20717"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}