{"id":20780,"date":"2024-09-27T11:46:55","date_gmt":"2024-09-27T16:46:55","guid":{"rendered":"https:\/\/bolttech.io\/insights\/%ea%b7%80%ed%95%98%ec%9d%98-%ec%b5%9c%ec%9a%b0%ec%84%a0-%ea%b3%bc%ec%a0%9c%ea%b0%80-%ec%83%81%ec%97%85-%eb%b3%b4%ed%97%98-%ec%9c%a0%ed%86%b5%ec%9d%b8-%ec%9d%b4%ec%9c%a0\/"},"modified":"2024-09-27T11:46:59","modified_gmt":"2024-09-27T16:46:59","slug":"%ea%b7%80%ed%95%98%ec%9d%98-%ec%b5%9c%ec%9a%b0%ec%84%a0-%ea%b3%bc%ec%a0%9c%ea%b0%80-%ec%83%81%ec%97%85-%eb%b3%b4%ed%97%98-%ec%9c%a0%ed%86%b5%ec%9d%b8-%ec%9d%b4%ec%9c%a0","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/ko\/insights\/%ea%b7%80%ed%95%98%ec%9d%98-%ec%b5%9c%ec%9a%b0%ec%84%a0-%ea%b3%bc%ec%a0%9c%ea%b0%80-%ec%83%81%ec%97%85-%eb%b3%b4%ed%97%98-%ec%9c%a0%ed%86%b5%ec%9d%b8-%ec%9d%b4%ec%9c%a0\/","title":{"rendered":"\uadc0\ud558\uc758 \ucd5c\uc6b0\uc120 \uacfc\uc81c\uac00 \uc0c1\uc5c5 \ubcf4\ud5d8 \uc720\ud1b5\uc778 \uc774\uc720"},"content":{"rendered":"\n<p>\uc0c1\uc5c5 \ubcf4\ud5d8\uc740 <a href=\"https:\/\/www.boltinc.com\/insights\/blogs\/insurance-disruptions\/?__hstc=103362207.8432e18fe1b4e270bd8d783f6794e506.1724072077526.1724252449792.1724256511253.9&amp;__hssc=103362207.6.1725178227325&amp;__hsfp=3405490495\" target=\"_blank\" rel=\"noreferrer noopener\">2020\ub144\uc5d0 \uc811\uc5b4\ub4e4\uba74\uc11c \uc0c1\ub2f9\ud55c \ub3c4\uc804\uc5d0<\/a> \uc9c1\uba74\ud574 \uc788\uc2b5\ub2c8\ub2e4.\n\uc0c1\uc5c5 \ubcf4\ud5d8 \uac00\uaca9 \uc778\uc0c1\uc774 \ud5e4\ub4dc\ub77c\uc778\uc744 \uc9c0\ubc30\ud558\uace0 \uc788\uc9c0\ub9cc, \uc0c1\uc5c5 \ubcf4\ud5d8\uc0ac\ub4e4\ub3c4 \ub611\uac19\uc774 \uc9c0\uc18d\uc801\uc774\uc9c0\ub9cc \ub35c \ub17c\uc758\ub41c \ubb38\uc81c, \uc989 \ub514\uc9c0\ud138 \uc2dc\ub300\uc758 \uc720\ud1b5 \uac1c\uc120\uc5d0 \uc9c1\uba74\ud574 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n<p>P&amp;C \uac1c\uc778 \ub77c\uc778\uc758 \uc720\ud1b5\uc740 \uc218\ub144 \ub3d9\uc548 \ub514\uc9c0\ud138 \ud30c\uad34\ub97c \uacaa\uc5b4 \uc654\uc9c0\ub9cc \uc0c1\uc5c5 \ub77c\uc778\uc740 \ub4a4\ucc98\uc838 \uc788\uc2b5\ub2c8\ub2e4.\n\uc774\uc81c \ubcf4\ud5d8 \uc774\uc6a9\uc5d0 \ub300\ud55c \uace0\uac1d\uc758 \uae30\ub300\uce58\uac00 \ub530\ub77c\uc7a1\uae30 \uc2dc\uc791\ud588\uc2b5\ub2c8\ub2e4.\n\uac1c\uc778 \ubcf4\ud5d8\uc5d0 \ub300\ud55c \ub514\uc9c0\ud138 \ucee4\ubba4\ub2c8\ucf00\uc774\uc158\uacfc \uc811\uadfc\uc131\uc5d0 \uc775\uc219\ud574\uc9c4 \uace0\uac1d\ub4e4\uc740 \uc790\uc2e0\uc758 \ube44\uc988\ub2c8\uc2a4\ub97c \ubcf4\uc7a5\ud558\ub294 \ubcf4\ud5d8\uc0ac\uc5d0 \uc720\uc0ac\ud55c \uc694\uad6c\ub97c \ud558\uae30 \uc2dc\uc791\ud588\uc2b5\ub2c8\ub2e4.  <\/p>\n\n<p>\uc0c1\uc5c5 <a href=\"https:\/\/www.boltinc.com\/insights\/blogs\/insurance-distribution\/?__hstc=103362207.8432e18fe1b4e270bd8d783f6794e506.1724072077526.1724252449792.1724256511253.9&amp;__hssc=103362207.6.1725178227325&amp;__hsfp=3405490495\" target=\"_blank\" rel=\"noreferrer noopener\">\ubcf4\ud5d8 \uc720\ud1b5<\/a>\uc758 \uac00\uc7a5 \ud070 \ubb38\uc81c\ub97c \ud574\uacb0\ud558\uae30 \uc704\ud574 \uc0c1\uc5c5 \ubcf4\ud5d8\uc0ac\ub294 \uba3c\uc800 \uc774\ub7ec\ud55c \ubb38\uc81c\ub97c \uc774\ud574\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n\n<h2 class=\"wp-block-heading\">&#8220;\ubc30\ud3ec&#8221;\ub294 \ubaa8\ub4e0 \uc0c1\ud669\uc5d0 \ub9de\ub294 \uac83\uc774 \uc544\ub2d9\ub2c8\ub2e4.<\/h2>\n\n<p>\uc0c1\uc5c5 \ubcf4\ud5d8 \uc720\ud1b5\uc758 \uac00\uc7a5 \ud070 \uacfc\uc81c \uc911 \ud558\ub098\ub294 \ud558\ub098\uc758 \uc720\ud1b5 \ubc29\uc2dd\uc774 \ubaa8\ub4e0 \uc0c1\uc5c5 \ubcf4\ud5d8\uc0ac\uc5d0 \ub3c4\uc6c0\uc774 \ub418\uc9c0 \uc54a\ub294\ub2e4\ub294 \uac83\uc785\ub2c8\ub2e4.\n\uc0c1\uc5c5 \ud1b5\uc2e0 \uc0ac\uc5c5\uc790\ub294 \uc81c\uacf5\ud558\ub294 \uc801\uc6a9 \ubc94\uc704\uc640 \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud558\ub294 \uace0\uac1d \uc720\ud615\uc774 \ub2e4\ub974\uae30 \ub54c\ubb38\uc5d0 \ud55c \uc0c1\uc5c5 \ud1b5\uc2e0 \uc0ac\uc5c5\uc790\ub97c \uc9c0\uc6d0\ud558\ub294 \uc194\ub8e8\uc158\uc774 \ub2e4\ub978 \uc0c1\uc5c5 \ud1b5\uc2e0 \uc0ac\uc5c5\uc790\uc5d0\uac8c\ub294 \uc544\ubb34 \ub3c4\uc6c0\uc774 \ub418\uc9c0 \uc54a\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n<h3 class=\"wp-block-heading\">\uc18c\uaddc\ubaa8 \uc0c1\uc5c5 \ub77c\uc778\uc758 \uacbd\uc6b0, \ubbf8\ub798\ub294 \uc9c0\uae08\uc785\ub2c8\ub2e4.<\/h3>\n\n<p>\uc18c\uaddc\ubaa8 \uc0c1\uc5c5 \ubcf4\ud5d8\uc740 &#8220;\ub514\uc9c0\ud138\uacfc\uc758 \ubcc0\uace1\uc810\uc5d0 \uc788\ub2e4&#8221;\uace0 \uc561\uc13c\uce04\uc5b4(Accenture)\uc758 \ubcf4\ud5d8 \ub2f4\ub2f9 \uc804\ubb34 \uc774\uc0ac\uc778 <a href=\"https:\/\/insuranceblog.accenture.com\/ultimate-guide-to-small-commercial-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">\ub9c8\uc774\ud074 \ub77c\uc77c\ub9ac(Michael Reilly<\/a>)\ub294 \ub9d0\ud569\ub2c8\ub2e4.\n\uc0c1\uc704 5\uac1c \uc18c\uaddc\ubaa8 \uc0c1\uc5c5 \ud56d\uacf5\uc0ac \uc911 4\uac1c \uc5c5\uccb4\uac00 \ub514\uc9c0\ud138 \ub2e4\uc774\ub809\ud2b8 \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.\n2010\ub144\uc5d0\uc11c 2018\ub144 \uc0ac\uc774 \uc18c\uaddc\ubaa8 \uc0c1\uc5c5 \uacf5\uac04\uc758 \uc778\uc288\uc5b4\ud14c\ud06c \uc9c0\ucd9c\uc740 \ub9e4\ub144 41% \uc99d\uac00\ud588\uc2b5\ub2c8\ub2e4.  <\/p>\n\n<p>\uc18c\uaddc\ubaa8 \uc0c1\uc5c5 \uc2dc\uc7a5\uc740 \ub514\uc9c0\ud138 \uc218\ub2e8\uc744 \ud1b5\ud574 \uc720\ud1b5\uc744 \uac1c\uc120\ud560 \uc218 \uc788\ub294 \uc5ec\ub7ec \uae30\ud68c\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4.\n\uc2dc\uc7a5\uc740 \ud30c\ud3b8\ud654\ub418\uc5b4 \uc788\uace0 \uc11c\ube44\uc2a4\uac00 \ubd80\uc871\ud558\uba70, \uac1c\uc778 \ud68c\uc120\uc5d0 \ube44\ud574 \ub514\uc9c0\ud138 \ud2b8\ub79c\uc2a4\ud3ec\uba54\uc774\uc158\uc774 \ub4a4\ucc98\uc838 \uc788\uae30 \ub54c\ubb38\uc5d0 \uc18c\uaddc\ubaa8 \uc0c1\uc5c5 \ud56d\uacf5\uc0ac\ub294 \ubbfc\uac04 \ubd80\ubb38\uc5d0\uc11c \uc5bb\uc740 \uad50\ud6c8\uc744 \ud65c\uc6a9\ud558\ub294 \ub3d9\uc2dc\uc5d0 \uae30\uc220 \ud22c\uc790\uc5d0\uc11c \ud070 \uc774\uc775\uc744 \uc5bb\uc744 \uc218 \uc788\ub2e4\uace0 Reilly\ub294 \ub9d0\ud569\ub2c8\ub2e4. <\/p>\n\n<p>\uc138\ub300\uad50\uccb4\ub294 \uc18c\uc0c1\uacf5\uc778 \uc720\ud1b5\uc758 \ubcc0\ud654\ub3c4 \uc8fc\ub3c4\ud558\uace0 \uc788\ub2e4.\n\ud55c \uc5f0\uad6c\uc5d0 \ub530\ub974\uba74 \uc18c\uae30\uc5c5 \uc18c\uc720\uc8fc\ub294 53\uc138 \ubbf8\ub9cc\uc778 \uacbd\uc6b0 \uc628\ub77c\uc778\uc73c\ub85c \ube44\uc988\ub2c8\uc2a4 \ubcf4\ud5d8\uc5d0 \uac00\uc785\ud560 \uac00\ub2a5\uc131\uc774 \ub354 \ub192\uc2b5\ub2c8\ub2e4.\nS&amp;P Global\uc758 <a href=\"https:\/\/www.spglobal.com\/marketintelligence\/en\/news-insights\/trending\/7zTgBJd8nFQpxZF4PsL9TA2\" target=\"_blank\" rel=\"noreferrer noopener\">Tim Zawacki\uc640 Thomas Mason<\/a> \uc5d0 \ub530\ub974\uba74 \uc124\ubb38\uc5d0 \ucc38\uc5ec\ud55c 1,371\uba85\uc758 \uc751\ub2f5\uc790 \uc911 70% \uc774\uc0c1\uc774 \ub300\ub9ac\uc810\uc774 \uc544\ub2cc \uc9c1\uc811(\uc628\ub77c\uc778) \ucc44\ub110\uc744 \ud1b5\ud574 \uc911\uc18c\uae30\uc5c5 \ubcf4\ud5d8\uc5d0 \uac00\uc785\ud588\ub2e4\uace0 \ub2f5\ud588\uc2b5\ub2c8\ub2e4.  <\/p>\n\n<p>\uace0\ub839\uc758 \uc18c\uae30\uc5c5 \uc18c\uc720\uc8fc\uac00 \uacc4\uc18d\ud574\uc11c \uc80a\uc740 \uc138\ub300\uc5d0\uac8c \uacbd\uc601\uad8c\uc744 \ubb3c\ub824\uc8fc\uba74\uc11c \ub354 \ub9ce\uc740 \uc18c\uae30\uc5c5 \uc758\uc0ac \uacb0\uc815\uad8c\uc790\uac00 \uc628\ub77c\uc778\uc73c\ub85c \ubcf4\ud5d8\uc5d0 \uac00\uc785\ud560 \uac83\uc785\ub2c8\ub2e4.\n\ub514\uc9c0\ud138 \uc720\ud1b5 \ucc44\ub110\uc744 \uc774\uc6a9\ud558\ub294 \uc18c\uaddc\ubaa8 \uc0c1\uc5c5 \ubcf4\ud5d8\uc0ac\ub294 \uc774\uc81c \uc774 \ubd84\uc57c\uc5d0\uc11c \uac00\uc7a5 \uc720\ub9dd\ud55c \ubcf4\ud5d8\uc0ac\ub85c \uc790\ub9ac\ub9e4\uae40\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n<h3 class=\"wp-block-heading\">\uc911\uac04 \uc2dc\uc7a5\uc740 \ud070 \ubb38\uc81c\uc5d0 \uc9c1\uba74\ud574 \uc788\uc2b5\ub2c8\ub2e4.<\/h3>\n\n<p>\ud55c\ud3b8, \ub51c\ub85c\uc774\ud2b8(Deloitte)\uc758 <a href=\"https:\/\/www2.deloitte.com\/us\/en\/insights\/industry\/insurance\/new-ecosystems-middle-market-insurance.html\" target=\"_blank\" rel=\"noreferrer noopener\">\uc0d8 \ud504\ub9ac\ub4dc\uba3c(Sam Friedman), \ubbf8\uc178 \uce90\ub10c(Michelle Canaan), \ub2c8\ud0ac \uace0\uce7c\ub808(Nikhil Gokhale<\/a> ) \uc5f0\uad6c\uc6d0\uc740 &#8220;\ubbf8\ub4e4\ub9c8\ucf13 \uc0c1\uc5c5 \ubcf4\ud5d8\uc0ac\ub4e4\uc740 \uc810\uc810 \ub354 \uacbd\uc7c1\uc774 \uce58\uc5f4\ud574\uc9c0\uace0 \ube44\uc6a9\uc5d0 \ubbfc\uac10\ud55c \ud658\uacbd\uc5d0\uc11c \uce68\ud22c\uc728\uacfc \uc720\uc9c0\uc728\uc744 \uc720\uc9c0\ud558\uace0 \ud655\ub300\ud560 \uc218 \uc788\ub294 \uc0c8\ub85c\uc6b4 \ubc29\ubc95\uc744 \ucc3e\uace0 \uc788\ub2e4&#8221;\uace0 \uc37c\uc2b5\ub2c8\ub2e4.\n\uc804\ud1b5\uc801\uc778 \uc0c1\uc5c5 \ubcf4\ud5d8 \uc0c1\ud488\uc774 \ud68d\uc77c\uc801\uc778 \uacbd\ud5a5\uc774 \uc788\ub2e4\ub294 \uc0ac\uc2e4\uc740 \uacbd\uc7c1 \ubcf4\ud5d8\uc0ac\uc640 \ucc28\ubcc4\ud654\ud558\uc5ec \uace0\uac1d\uc744 \uc720\uc9c0\ud558\ub824\ub294 \uc911\uacac \uc0c1\uc5c5 \ubcf4\ud5d8 \uc5c5\uccb4\uc5d0 \ubcf5\uc7a1\uc131\uc744 \uac00\uc911\uc2dc\ud0b5\ub2c8\ub2e4. <\/p>\n\n<p>\uc720\ud1b5 \ubc0f \uace0\uac1d \ucda9\uc131\ub3c4\ub97c \uac1c\uc120\ud558\uae30 \uc704\ud574 Friedman \ub4f1\uc740 \uc0c1\uc5c5 \uc6b4\uc1a1\uc5c5\uccb4\uac00 \ud575\uc2ec \uc81c\ud488\uc744 \ub118\uc5b4 \ubd80\uac00\uac00\uce58 \uc11c\ube44\uc2a4\ub85c \ub208\uc744 \ub3cc\ub9ac\uae30 \uc2dc\uc791\ud560 \uac83\uc744 \uc81c\uc548\ud569\ub2c8\ub2e4.\n\uc5ec\uae30\uc5d0\ub294 \ud575\uc2ec \uc0c1\ud488\uc744 \uac15\ud654\ud558\ub294 \ud2b9\uc815 \uc11c\ube44\uc2a4 \ub610\ub294 \uc5ec\ub7ec \uace0\uac1d \uc694\uad6c \uc0ac\ud56d\uc744 \ub3d9\uc2dc\uc5d0 \ucda9\uc871\ud558\ub3c4\ub85d \uc124\uacc4\ub41c \uc5d0\ucf54\uc2dc\uc2a4\ud15c \ub0b4\uc5d0\uc11c \ube44\ubcf4\ud5d8 \ube44\uc988\ub2c8\uc2a4\uc640\uc758 \ud30c\ud2b8\ub108\uc2ed\uc774 \ud3ec\ud568\ub420 \uc218 \uc788\uc2b5\ub2c8\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\/business-operations-1024x682.jpg\" alt=\"\" class=\"wp-image-8043\" srcset=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/business-operations-1024x682.jpg 1024w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/business-operations-300x200.jpg 300w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/business-operations-768x512.jpg 768w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/business-operations.jpg 1280w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n<h2 class=\"wp-block-heading\">\uace0\uac1d\uc758 \uc694\uad6c\uac00 \uc720\ud1b5 \ubcc0\ud654\ub97c \uc8fc\ub3c4\ud569\ub2c8\ub2e4.<\/h2>\n\n<p>\uace0\uac1d\uc758 \uc694\uad6c\ub294 \uac1c\uc778 \ub77c\uc778\uc774 \uc720\ud1b5\uc744 \ucc98\ub9ac\ud558\ub294 \ubc29\uc2dd\uc744 \ubcc0\ud654\uc2dc\ucf30\uc2b5\ub2c8\ub2e4.\n\uc774\uc640 \uac19\uc740 \uc694\uad6c\ub294 \uc0c1\uc5c5 \uc815\uce58\uc5d0 \ub300\ud55c \uace0\uac1d\uc758 \uc811\uadfc \ubc29\uc2dd\uc5d0\ub3c4 \uc601\ud5a5\uc744 \ubbf8\uce58\uae30 \uc2dc\uc791\ud588\uc2b5\ub2c8\ub2e4. <\/p>\n\n<p>\uc608\ub97c \ub4e4\uc5b4, \uc0ac\uc5c5\uc8fc\ub4e4\uc740 \uc774\ubbf8 \ube44\uc988\ub2c8\uc2a4 \uad00\ub828 \uc81c\ud488\uacfc \uc11c\ube44\uc2a4\ub97c \ub514\uc9c0\ud138 \ubc29\uc2dd\uc73c\ub85c \ucc3e\uace0 \uc788\ub2e4\uace0 \ubcf4\ud5d8\uc0ac \ucee8\uc124\ud305 \ud68c\uc0ac\uc778 Novarica\uc758 \uc5b4\uc18c\uc2dc\uc5d0\uc774\ud2b8\uc778 <a href=\"https:\/\/novarica.com\/2019\/02\/looking-ahead-to-the-digital-evolution-of-small-commercial-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\">Harry Huberty \ubc15\uc0ac\ub294<\/a> \ub9d0\ud569\ub2c8\ub2e4.\n\ub530\ub77c\uc11c \uadf8\ub4e4\uc740 \ub3d9\uc77c\ud55c \ubc29\uc2dd\uc73c\ub85c \ubcf4\ud5d8\uc744 \uc870\ub2ec\ud560 \uc900\ube44\uac00 \ub418\uc5b4 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n<p>&#8220;\uc5f0\ub839\/\uc18c\ub4dd \uadf8\ub8f9\uc5d0 \uac78\uccd0 \ub300\ub2e4\uc218\uc758 \uc0ac\uc5c5\uc8fc\ub294 \uc774\ubbf8 \uc628\ub77c\uc778\uc73c\ub85c \ube44\uc988\ub2c8\uc2a4 \ubc45\ud0b9 \uad00\uacc4\ub97c \uad00\ub9ac\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. 45\uc138 \ubbf8\ub9cc \uc778\uad6c\uc758 \ub300\ub2e4\uc218\ub294 \ub300\ubd80\ubd84 \ub610\ub294 \ubaa8\ub4e0 \uad6c\ub9e4\ub97c \ub514\uc9c0\ud138 \ubc29\uc2dd\uc73c\ub85c \uc218\ud589\ud55c\ub2e4&#8221;\uace0 \uc124\uba85\ud588\ub2e4.\n\uace0\uac1d\uc774 \uc788\uc2b5\ub2c8\ub2e4. \uadf8\ub4e4\uc5d0\uac8c \ubd80\uc871\ud55c \uac83\uc740 \uc628\ub77c\uc778 \uc0c1\uc5c5\uc801 \ubc30\ud3ec\uc5d0 \ub300\ud55c \uc778\uc2dd\uacfc \uc811\uadfc\uc785\ub2c8\ub2e4. <\/p>\n\n<p>\uace0\uac1d\uc740 \uc628\ub77c\uc778\uc73c\ub85c \uc0c1\uc5c5 \ubcf4\ud5d8\uc0ac\uc640 \uc5f0\uacb0\ud560 \uc218 \uc5c6\ub294 \uacbd\uc6b0 \ub2e4\ub978 \uc628\ub77c\uc778 \ubcf4\ud5d8 \ucd9c\ucc98\ub97c \ucc3e\uae30 \uc2dc\uc791\ud558\uba70, \ub2e4\ub978 \uae30\uc5c5\uc740 \uadf8 \uaca9\ucc28\ub97c \uba54\uc6b8 \uc900\ube44\uac00 \ub418\uc5b4 \uc788\uc2b5\ub2c8\ub2e4.\nOverstock.com \uc640 \uc6d4\ub9c8\ud2b8(Wal-Mart)\uc640 \uac19\uc740 \ud68c\uc0ac\ub4e4\uc740 \uc608\ub97c \ub4e4\uc5b4 \ub2e4\uc74c\uacfc \uac19\ub2e4: \ub450 \ud68c\uc0ac \ubaa8\ub450 \ub9ce\uc740 \uc8fc\uc5d0\uc11c \uace0\uac1d\ub4e4\uc5d0\uac8c \ubcf4\ud5d8 \uc0c1\ud488\uacfc \uc18c\ub9e4\ud488\uc744 \uc1fc\ud551\ud560 \uc218 \uc788\ub294 \uae30\ud68c\ub97c \uc81c\uacf5\ud55c\ub2e4.\n\uc561\uc13c\uce04\uc5b4(Accenture)\uc758 \ud55c \uc5f0\uad6c\uc5d0 \ub530\ub974\uba74 \uc751\ub2f5\uc790\uc758 66%\uac00 \ubcf4\ud5d8 \ud68c\uc0ac\uac00 \uc544\ub2cc \ub2e4\ub978 \uae30\uad00\uc5d0\uc11c \ubcf4\ud5d8\uc5d0 \uac00\uc785\ud560 \uc758\ud5a5\uc774 \uc788\ub2e4\uace0 \ub2f5\ud588\uc2b5\ub2c8\ub2e4.  <\/p>\n\n<p>\uc561\uc13c\uce04\uc5b4(Accenture)\uc758 \uc804\ub7b5 \ub2f4\ub2f9 \uc218\uc11d \uc804\ubb34 \uc774\uc0ac\uc778 <a href=\"https:\/\/riskandinsurance.com\/disrupting-insurance-distribution\/\" target=\"_blank\" rel=\"noreferrer noopener\">\ub9c8\uc774\ud074 \ub77c\uc774\uba3c(Michael Lyman<\/a>)\uc740 &#8220;\uc18c\ube44\uc790\ub4e4\uc774 \uc740\ud589\uacfc \uac19\uc740 \uc804\ud1b5\uc801\uc778 \uacbd\uc7c1\uc5c5\uccb4\ubfd0\ub9cc \uc544\ub2c8\ub77c \uac70\ub300 \uc778\ud130\ub137 \uae30\uc5c5\ub4e4\ub85c\ubd80\ud130\ub3c4 \ubcf4\ud5d8\uc5d0 \uac00\uc785\ud558\ub294 \ub370 \uac1c\ubc29\uc801\uc774 \ub428\uc5d0 \ub530\ub77c \ubcf4\ud5d8 \uc5c5\uacc4\uc758 \uacbd\uc7c1\uc774 \ube60\ub974\uac8c \uc2ec\ud654\ub420 \uc218 \uc788\ub2e4&#8221;\uace0 \ub9d0\ud588\ub2e4.<\/p>\n\n<p>\uc0c1\uc5c5 \uc720\ud1b5\uc740 \ube44\ubcf4\ud5d8 \uc720\ud1b5 \uc18c\uc2a4\uc5d0 \ub300\ud55c \uace0\uac1d \uad00\uc2ec\uc758 \ubcc0\ud654\ub85c\ubd80\ud130 \uc790\uc720\ub86d\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4.\n\uc2e4\uc81c\ub85c \ubcf4\ud5d8 \ud68c\uc0ac\ub294 \uace0\uac1d\uc758 \uad00\uc2ec\uc744 \ub04c\uae30 \uc704\ud574 \uae30\uc874 \ubcf4\ud5d8\uc744 \ub118\uc5b4\uc11c\uace0\uc790 \ud558\ub294 \uace0\uac1d\uc758 \uc758\uc9c0\ub97c \uc218\uc6a9\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n<figure class=\"wp-block-image aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/documents-signing-1024x683.jpg\" alt=\"\" class=\"wp-image-8053\" srcset=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/documents-signing-1024x683.jpg 1024w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/documents-signing-300x200.jpg 300w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/documents-signing-768x512.jpg 768w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/documents-signing.jpg 1280w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n<h2 class=\"wp-block-heading\">\uc0c1\uc5c5 \ubcf4\ud5d8 \ubd84\ubc30 \ub300 \uac00\uaca9 \ucc45\uc815: \uade0\ud615 \uc720\uc9c0<\/h2>\n\n<p>\ub9c8\uc9c0\ub9c9\uc73c\ub85c, \uac00\uaca9 \uc0c1\uc2b9\uc5d0 \uc9c1\uba74\ud55c \uc720\ud1b5 \ubb38\uc81c\ub97c \ud5e4\uccd0 \ub098\uac00\ub294 \uac83\uc740 \uc5b4\ub824\uc6b8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n<p>\uccab\uc9f8, \uc0c1\uc5c5 \ubcf4\ud5d8\uc758 \ub9ce\uc740 \ubd80\ubb38\uc5d0\uc11c \uac00\uaca9\uc774 \uc0c1\uc2b9\ud558\uace0 \uc788\uc9c0\ub9cc \ubaa8\ub4e0 \ubd80\ubb38\uc5d0\uc11c \ub3d9\uc77c\ud55c \ube44\uc728\ub85c \uc0c1\uc2b9\ud558\ub294 \uac83\uc740 \uc544\ub2c8\uba70 \ubaa8\ub4e0 \uc9c0\uc5ed\uc5d0\uc11c \ub3d9\uc77c\ud55c \ube44\uc728\ub85c \uc0c1\uc2b9\ud558\uc9c0\ub3c4 \uc54a\uc2b5\ub2c8\ub2e4.<\/p>\n\n<p>\ud2b9\ud788, \uc0c1\uc5c5\uc6a9 \uac74\uc124 \ubcf4\ud5d8 \uac00\uaca9\uc740 \ubbf8\uad6d \uc804\uc5ed\uc5d0\uc11c \uc99d\uac00\ud558\uace0 \uc788\uc9c0\ub9cc \uc911\uc11c\ubd80\ubcf4\ub2e4 \ud574\uc548\uc5d0\uc11c \ub354 \ube60\ub974\uac8c \uc99d\uac00\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.\n&#8220;\ub274\uc695 \uc9c0\uc5ed\uc740 \ub450 \uc790\ub9bf\uc218 \ubc0f \uc138 \uc790\ub9bf\uc218 \uc694\uae08 \uc778\uc0c1\uc744 \ubcf4\uc774\uace0 \uc788\uc73c\uba70, \uc77c\ubd80 \uac74\uc124 \ud68c\uc0ac\ub294 \ud604\uc7ac \ud504\ub9ac\ubbf8\uc5c4\uc744 \uc704\ud574 \ud55c\ub3c4\ub97c \uac70\ub798\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4&#8221;\ub77c\uace0 CRC Group\uc758 <a href=\"https:\/\/www.crcgroup.com\/Tools-Intel\/post\/significant-challenges-facing-the-construction-insurance-marketplace?portalid=34\" target=\"_blank\" rel=\"noreferrer noopener\">Andy Horan<\/a> \uacfc \ub3d9\ub8cc \uae30\uace0\uc790\ub4e4\uc740 \uc37c\uc2b5\ub2c8\ub2e4. <\/p>\n\n<p>\ub610\ud55c \ubd80\ub3d9\uc0b0, \ud56d\uacf5, \uc0c1\uc5c5\uc6a9 \uc790\ub3d9\ucc28, \uc0c1\uc7a5 \uae30\uc5c5 D&amp;O \ubc0f \uc6b0\uc0b0 \ubcf4\ud5d8\uc758 \uc0c1\uc5c5 \ubcf4\ud5d8 \uac00\uaca9\uc774 \ub2e4\ub978 \uc0c1\uc5c5 \ubcf4\ud5d8 \uc694\uc728\ubcf4\ub2e4 \ube60\ub974\uac8c \uc99d\uac00\ud558\uace0 \uc788\ub2e4\uace0 Risk &amp; Insurance\uc758 <a href=\"https:\/\/riskandinsurance.com\/5-areas-of-commercial-insurance-set-for-price-hikes\/\" target=\"_blank\" rel=\"noreferrer noopener\">Jared Shelly<\/a> \ub294 \ub9d0\ud569\ub2c8\ub2e4.<\/p>\n\n<p>\uc0c1\uc5c5 \ubcf4\ud5d8\ub8cc \ubcc0\uacbd\uc740 \uace0\uac1d \ud589\ub3d9\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce69\ub2c8\ub2e4.\n\ubcf4\ud5d8\ub8cc\uac00 \uc624\ub974\uba74 \uace0\uac1d\ub4e4\uc740 \ud2b9\ud788 \uc6d0\ud558\ub294 \ubcf4\uc7a5\uc774 \ubaa8\ub4e0 \ubcf4\ud5d8 \ud68c\uc0ac\uc5d0\uc11c \ud45c\uc900\uc73c\ub85c \uc778\uc2dd\ub420 \ub54c \uac00\uaca9\uc744 \uace0\ub824\ud558\uae30 \uc2dc\uc791\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n\uadf8\ub7ec\ub098 \uc2dc\uc7a5 \ubd80\ubb38\uc5d0 \ub530\ub77c \uc694\uc728\uc774 \ub2e4\ub974\uac8c \ubcc0\uacbd\ub418\uba74 \uace0\uac1d \ud589\ub3d9\ub3c4 \ub2e4\ub978 \ud328\ud134\uc73c\ub85c \ubcc0\ud569\ub2c8\ub2e4.\n\uc608\ub97c \ub4e4\uc5b4, \ucc28\ub7c9 \ubcf4\uc7a5\uc744 \uc6d0\ud558\ub294 \uace0\uac1d\uc740 \uc0c1\uc5c5\uc6a9 \ucda9\ub3cc \uc0ac\uace0 \ubcf4\ud5d8\uc5d0 \ub300\ud55c \uc694\uc728\uc774 \ubd80\uc0c1 \ubcf4\uc0c1\ub960\ubcf4\ub2e4 \ube60\ub974\uac8c \uc0c1\uc2b9\ud558\ub294 \uacbd\uc6b0 \ucda9\ub3cc \ubcf4\ud5d8\uc744 \uc904\uc774\ub354\ub77c\ub3c4 \ud604\uc7ac\uc758 \uc2e0\uccb4 \uc0c1\ud574 \ubcf4\ud5d8\uc744 \uc720\uc9c0\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.   <\/p>\n\n<p>\uac00\uaca9\uc744 \uac1c\uc120\ud558\ub824\uba74 \ub514\uc9c0\ud138 \ubc30\ud3ec \uc635\uc158\uc744 \uc218\uc6a9\ud558\uc2ed\uc2dc\uc624.\n\uc0c1\uc5c5 \ud56d\uacf5\uc0ac\uac00 \uaddc\ubaa8\uc758 \uacbd\uc81c, \ub9c8\ucf00\ud305 \ubd84\uc11d \ubc0f \uace0\uac1d \uacbd\ud5d8\uc5d0 \uc9d1\uc911\ud560 \ub54c \uac15\ub825\ud55c \uace0\uac1d \uae30\ubc18\uc744 \uad6c\ucd95\ud560 \uc218 \uc788\ub294 \ub354 \ub098\uc740 \uae30\ud68c\ub97c \uc5bb\uc744 \uc218 \uc788\ub2e4\uace0 EY\uc758 <a href=\"https:\/\/www.ey.com\/en_us\/innovation-in-insurance\/why-insurance-business-models-are-going-to-change\" target=\"_blank\" rel=\"noreferrer noopener\">Peter Manchester<\/a> \ub294 \ub9d0\ud569\ub2c8\ub2e4. <\/p>\n\n<p>\uadf8\ub294 &#8220;\uc5c5\uacc4 \uc774\ud574\uad00\uacc4\uc790\uc640\uc758 \ub300\ud654\uc640 \ub2e4\uc591\ud55c \ubcf4\ud5d8\uc0ac\uc758 \uc7ac\ubb34 \uc131\uacfc\uc5d0 \ub300\ud55c \ubd84\uc11d\uc744 \ud1b5\ud574 \uc774\ub7ec\ud55c \ubc29\ubc95\uc744 \ud1b5\ud574 \ud55c\ub450 \uac1c\uc758 \uc18c\uaddc\ubaa8 \uc0c1\uc5c5 \ud56d\uacf5\uc0ac\uac00 \ud604\uc7ac\uc758 %-6% \uac1c\uc5d0 \ube44\ud574 \ucd5c\ub300 30%\uae4c\uc9c0 \ud06c\uace0 \uc2ec\uc9c0\uc5b4 \uc9c0\ubc30\uc801\uc778 \uc2dc\uc7a5 \uc810\uc720\uc728\uc744 \ucc28\uc9c0\ud560 \uc218 \uc788\ub2e4\ub294 \uacb0\ub860\uc744 \ub0b4\ub838\uc2b5\ub2c8\ub2e4&#8221;\ub77c\uace0 \uc124\uba85\ud569\ub2c8\ub2e4.<\/p>\n\n<p>\ub514\uc9c0\ud138 \ud30c\uad34, \uac00\uaca9 \ucc45\uc815 \ubc0f \uc0c1\uc5c5 \ubd80\ubb38 \uc804\ubc18\uc5d0 \uac78\uce5c \ubcf4\ud5d8 \uc0c1\ud488\uc758 \ubbf8\ubb18\ud55c \ucc28\uc774\ub294 \ubaa8\ub450 \uc0c1\uc5c5 \ubcf4\ud5d8 \uc720\ud1b5\uc5d0 \ubb38\uc81c\ub97c \uc81c\uae30\ud569\ub2c8\ub2e4.\n\uadf8\ub7ec\ub098 \uc774\ub7ec\ud55c \uacfc\uc81c \uc911 \uc77c\ubd80\ub294 \ub2e4\ub978 \ubb38\uc81c\ub97c \ud574\uacb0\ud558\ub294 \ub370 \ud65c\uc6a9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n\uc62c\ubc14\ub978 \ub3c4\uad6c\ub97c \uc0ac\uc6a9\ud558\uba74 \uc0c1\uc5c5 \ubcf4\ud5d8\uc0ac\ub294 \uc720\ud1b5\uc744 \uac1c\uc120\ud560 \uc218 \uc788\uc744 \ubfd0\ub9cc \uc544\ub2c8\ub77c \uc2dc\uc7a5\uc774 \uacbd\uc9c1\ub418\ub294 \uc0c1\ud669\uc5d0\uc11c\ub3c4 \ucda9\uc131\ub3c4 \ub192\uc740 \uace0\uac1d\uc744 \uc720\uce58\ud558\uace0 \uc2dc\uc7a5 \uc810\uc720\uc728\uc744 \ud655\ubcf4\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.  <\/p>\n\n<p><em>\uc774\ubbf8\uc9c0 \uc791\uc131\uc790: pitinan\/\u00a9123RF.com, primagefactory\/\u00a9123RF.com, langstrup\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\uc0c1\uc5c5 \ubcf4\ud5d8\uc740 2020\ub144\uc5d0 \uc811\uc5b4\ub4e4\uba74\uc11c \uc0c1\ub2f9\ud55c \ub3c4\uc804\uc5d0 \uc9c1\uba74\ud574 \uc788\uc2b5\ub2c8\ub2e4. \uc0c1\uc5c5 \ubcf4\ud5d8 \uac00\uaca9 \uc778\uc0c1\uc774 \ud5e4\ub4dc\ub77c\uc778\uc744 \uc9c0\ubc30\ud558\uace0 \uc788\uc9c0\ub9cc, \uc0c1\uc5c5 \ubcf4\ud5d8\uc0ac\ub4e4\ub3c4 \ub611\uac19\uc774 \uc9c0\uc18d\uc801\uc774\uc9c0\ub9cc \ub35c \ub17c\uc758\ub41c \ubb38\uc81c, \uc989 \ub514\uc9c0\ud138 \uc2dc\ub300\uc758 \uc720\ud1b5 \uac1c\uc120\uc5d0 \uc9c1\uba74\ud574 \uc788\uc2b5\ub2c8\ub2e4. P&amp;C \uac1c\uc778 \ub77c\uc778\uc758 \uc720\ud1b5\uc740 \uc218\ub144 \ub3d9\uc548 \ub514\uc9c0\ud138 \ud30c\uad34\ub97c \uacaa\uc5b4 \uc654\uc9c0\ub9cc \uc0c1\uc5c5 \ub77c\uc778\uc740 \ub4a4\ucc98\uc838 \uc788\uc2b5\ub2c8\ub2e4. \uc774\uc81c \ubcf4\ud5d8 \uc774\uc6a9\uc5d0 \ub300\ud55c \uace0\uac1d\uc758 \uae30\ub300\uce58\uac00 \ub530\ub77c\uc7a1\uae30 \uc2dc\uc791\ud588\uc2b5\ub2c8\ub2e4. \uac1c\uc778 \ubcf4\ud5d8\uc5d0 \ub300\ud55c \ub514\uc9c0\ud138 [&hellip;]<\/p>\n","protected":false},"featured_media":8039,"template":"","insight-category":[],"class_list":["post-20780","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/ko\/wp-json\/wp\/v2\/insight\/20780","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\/8039"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/ko\/wp-json\/wp\/v2\/media?parent=20780"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/ko\/wp-json\/wp\/v2\/insight-category?post=20780"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}