{"id":21244,"date":"2024-09-30T14:24:39","date_gmt":"2024-09-30T19:24:39","guid":{"rendered":"https:\/\/bolttech.io\/insights\/%eb%aa%a8%eb%93%a0-pc-%ea%b3%b5%ea%b8%89%ec%97%85%ec%b2%b4%ea%b0%80-%eb%8d%b0%ec%9d%b4%ed%84%b0-%eb%b3%b4%ed%98%b8-%eb%b0%8f-%ea%b0%9c%ec%9d%b8-%ec%a0%95%eb%b3%b4-%eb%b3%b4%ed%98%b8%ec%97%90\/"},"modified":"2024-10-29T09:10:40","modified_gmt":"2024-10-29T14:10:40","slug":"%eb%aa%a8%eb%93%a0-pc-%ea%b3%b5%ea%b8%89%ec%97%85%ec%b2%b4%ea%b0%80-%eb%8d%b0%ec%9d%b4%ed%84%b0-%eb%b3%b4%ed%98%b8-%eb%b0%8f-%ea%b0%9c%ec%9d%b8-%ec%a0%95%eb%b3%b4-%eb%b3%b4%ed%98%b8%ec%97%90","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/ko\/insights\/%eb%aa%a8%eb%93%a0-pc-%ea%b3%b5%ea%b8%89%ec%97%85%ec%b2%b4%ea%b0%80-%eb%8d%b0%ec%9d%b4%ed%84%b0-%eb%b3%b4%ed%98%b8-%eb%b0%8f-%ea%b0%9c%ec%9d%b8-%ec%a0%95%eb%b3%b4-%eb%b3%b4%ed%98%b8%ec%97%90\/","title":{"rendered":"\ubaa8\ub4e0 P&C \uacf5\uae09\uc5c5\uccb4\uac00 \ub370\uc774\ud130 \ubcf4\ud638 \ubc0f \uac1c\uc778 \uc815\ubcf4 \ubcf4\ud638\uc5d0 \ub300\ud574 \uc54c\uc544\uc57c \ud560 \uc0ac\ud56d"},"content":{"rendered":"\n

2018\ub144 \ub370\uc774\ud130 \uc720\ucd9c \uc0ac\uace0\ub294 \uc804 \uc138\uacc4\uc758 \ud5e4\ub4dc\ub77c\uc778\uc744 \uc7a5\uc2dd\ud588\uc2b5\ub2c8\ub2e4.\nT-Mobile, Quora, Google, Orbitz \ubc0f Facebook\uacfc \uac19\uc740 \ud68c\uc0ac\uac00 \uc601\ud5a5\uc744 \ubc1b\uc544 \uc218\ubc31\ub9cc \uba85\uc758 \uac1c\uc778 \uc815\ubcf4\uac00 \ub178\ucd9c\ub418\uc5c8\uc2b5\ub2c8\ub2e4. <\/p>\n\n

\ub370\uc774\ud130 \ubcf4\ud638 \ubc0f \uac1c\uc778 \uc815\ubcf4 \ubcf4\ud638\ub294 \uc624\ub298\ub0a0\uc758 \uace0\ub3c4\ub85c \uc5f0\uacb0\ub41c \uc138\uc0c1\uc5d0\uc11c \uc2ec\uac01\ud55c \ubb38\uc81c\uc774\uba70 \ub9ce\uc740 \uc8fc \uc785\ubc95\ubd80\uc5d0\uc11c \uc911\uc2ec \ubb34\ub300\ub97c \ucc28\uc9c0\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.\n\ub370\uc774\ud130 \ubcf4\uc548\uc758 \uc704\ud5d8\uacfc \uacfc\uc81c\ub294 \uc7ac\uc0b0 \ubc0f \uc0c1\ud574 \ubcf4\ud5d8 \ubd84\uc57c\uc758 \ud68c\uc0ac, \ub300\ub9ac\uc778 \ubc0f \uc911\uac1c\uc778\uc5d0\uac8c \uac00\uc7a5 \ud070 \uad00\uc2ec\uc0ac\uac00 \ub418\uc5b4\uc57c \ud569\ub2c8\ub2e4. <\/p>\n\n

\ubcf4\ud5d8 \ub370\uc774\ud130 \ubcf4\uc548 \ubc0f \uac1c\uc778 \uc815\ubcf4 \ubcf4\ud638\uc758 \uc8fc\uc694 \ubb38\uc81c<\/h2>\n\n

\ub370\uc774\ud130 \ubcf4\uc548, \ubcf4\ud638 \ubc0f \uac1c\uc778 \uc815\ubcf4 \ubcf4\ud638\uc5d0 \ub300\ud55c \uc9c8\ubb38\uc774 \ub9e4\uc77c \ubc1c\uc0dd\ud569\ub2c8\ub2e4.\n\uc774\ub7ec\ud55c \uacf5\uaca9\uc758 \uc6d0\uc778\uc740 \ubb34\uc5c7\uc774\uba70, \uc5b4\ub5bb\uac8c \ub9c9\uc744 \uc218 \uc788\uc2b5\ub2c8\uae4c? <\/p>\n\n

“\ub370\uc774\ud130 \uce68\ud574\ub294 \ub2e4\uc591\ud55c \uc774\uc720\ub85c \ubc1c\uc0dd\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc77c\ubd80 \ud68c\uc0ac\ub294 \ud574\ud0b9\uc744 \ub2f9\ud569\ub2c8\ub2e4. \ub370\uc774\ud130\uac00 \uc798\ubabb \ucc98\ub9ac\ub418\uac70\ub098 \uc81c3\uc790\uc5d0\uac8c \ud310\ub9e4\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc6f9 \uc0ac\uc774\ud2b8 \ubcf4\uc548 \uc2dc\uc2a4\ud15c\uc758 \ud5c8\uc810\uc740 \uc815\ubcf4\ub97c \ubcf4\ud638\ud558\uc9c0 \ubabb\ud558\uac8c \ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4”\ub77c\uace0 Business Insider\uc758 Paige Leskin<\/a> \uc740 \ub9d0\ud569\ub2c8\ub2e4.<\/p>\n\n

\uae30\uc5c5\uc740 \uace0\uac1d \ubc0f \ube44\uc988\ub2c8\uc2a4 \ub370\uc774\ud130\ub97c \ubcf4\ud638\ud558\ub294 \ub3d9\uc2dc\uc5d0 \ubaa8\ub4e0 \uc0ac\ub78c\uc774 \ucee4\ubba4\ub2c8\ucf00\uc774\uc158\uc744 \uac04\ub2e8\ud558\uace0 \uc561\uc138\uc2a4\ud560 \uc218 \uc788\ub3c4\ub85d \ud574\uc57c \ud558\ub294 \uc2dc\uae09\ud55c \uc694\uad6c\uc5d0 \uc9c1\uba74\ud574 \uc788\uc2b5\ub2c8\ub2e4.\n2018\ub144\uc740 \ub9ce\uc740 \uc8fc\uc5d0\uc11c \uc774 \ubb38\uc81c\ub97c \ud574\uacb0\ud558\uae30 \uc704\ud574 \uc801\uadf9\uc801\uc778 \uaddc\uc81c \uc870\uce58\ub97c \ucde8\ud55c \uccab \ud574\uc600\uc2b5\ub2c8\ub2e4.\n\ubcf4\ud5d8 \ub370\uc774\ud130 \ubcf4\uc548 \ubc95\ub960\uc774 \uc99d\uac00\ud568\uc5d0 \ub530\ub77c \uc774\ub7ec\ud55c \ubc95\ub960\uc744 \ub458\ub7ec\uc2fc \ubcf4\ud5d8 \ud68c\uc0ac\uc758 \uc9c8\ubb38\uc740 \ub354\uc6b1 \ubcf5\uc7a1\ud574\uc9c0\uace0 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n

\ud328\uce58\uc6cc\ud06c \uaddc\uc815<\/h3>\n\n

\ubcf4\ud5d8 \ud68c\uc0ac\uac00 \uc9c1\uba74\ud55c \uac00\uc7a5 \ud070 \ubb38\uc81c \uc911 \ud558\ub098\ub294 \uc5ec\ub7ec \uc8fc\uc5d0\uc11c \uc77c\uad00\ub41c \ub370\uc774\ud130 \ubcf4\uc548 \ubc0f \uac1c\uc778 \uc815\ubcf4 \ubcf4\ud638 \uc694\uad6c \uc0ac\ud56d\uc774 \ubd80\uc871\ud558\ub2e4\ub294 \uac83\uc785\ub2c8\ub2e4.<\/p>\n\n

\ub370\uc774\ud130 \ubcf4\ud638 \ubc0f \uac1c\uc778 \uc815\ubcf4 \ubcf4\ud638 \ubb38\uc81c\uc5d0 \ub300\ud55c \uc8fc \uc815\ubd80\uc758 \ub300\uc751\uc740 \ud328\uce58\uc6cc\ud06c \ubc29\uc2dd\uc73c\ub85c \ub098\ud0c0\ub0ac\uc2b5\ub2c8\ub2e4.\n\ud604\uc7ac 50\uac1c \uc8fc \ubaa8\ub450 \ub370\uc774\ud130 \uc720\ucd9c \ud1b5\uc9c0\ubc95\uc744 \uac00\uc9c0\uace0 \uc788\uc9c0\ub9cc, \ub300\ub2e4\uc218\ub294 \ubcf4\ud5d8\uacfc \uad00\ub828\ud558\uc5ec \uc0ac\uc774\ubc84 \ubcf4\uc548\uc744 \uad6c\uccb4\uc801\uc73c\ub85c \ub2e4\ub8e8\uc9c0 \uc54a\uc558\ub2e4\uace0 Lewis Brisbois Bisgaard & Smith LLP\uc758 \ubcc0\ud638\uc0ac\uc778 Bindu Nair\uc640 Sean B. Hoar<\/a>\ub294 \ub9d0\ud569\ub2c8\ub2e4. <\/p>\n\n

\uc608\ub97c \ub4e4\uc5b4, \uce98\ub9ac\ud3ec\ub2c8\uc544\uc758 \ub370\uc774\ud130 \uac1c\uc778 \uc815\ubcf4 \ubcf4\ud638\ubc95\uc740 \uc18c\ube44\uc790\uc5d0\uac8c \uac1c\uc778 \ub370\uc774\ud130\uc5d0 \ub300\ud55c \uc804\ub840 \uc5c6\ub294 \ud1b5\uc81c\uad8c\uc744 \ubd80\uc5ec\ud558\uc5ec \uce98\ub9ac\ud3ec\ub2c8\uc544\uc8fc\uc5d0\uc11c \uc6b4\uc601\ub418\ub294 \ubcf4\ud5d8 \ud68c\uc0ac\uc5d0 \ub3c4\uc804\uacfc \uae30\ud68c\ub97c \ub3d9\uc2dc\uc5d0 \uc81c\uc2dc\ud55c\ub2e4\uace0 Insurance Journal\uc758 Don Jergler<\/a> \ub294 \ub9d0\ud569\ub2c8\ub2e4.<\/p>\n\n

\uc774\ub7ec\ud55c \ubc95\ub960\uc740 \ud604\uc7ac \uc8fc\ub9c8\ub2e4 \ub2e4\ub974\uc9c0\ub9cc \ubbf8\uad6d \uc7ac\ubb34\ubd80\ub294 \uc804\uad6d\uc801\uc778 \ub370\uc774\ud130 \uce68\ud574 \ubc95\ub960\uc758 \uc544\uc774\ub514\uc5b4\ub97c \uc9c0\uc9c0\ud558\uace0 \uc788\ub2e4\uace0 Nair\uc640 Hoar\ub294 \ub9d0\ud569\ub2c8\ub2e4.<\/p>\n\n

\ub370\uc774\ud130 \ubcf4\ud638 \ube44\uc6a9<\/h3>\n\n

\ub370\uc774\ud130 \ubcf4\ud638 \uaddc\uc815\uc758 \ubcc0\ud654\ub294 \ub610\ud55c \uc190\ud574 \ubcf4\ud5d8\uc0ac\uc758 \ube44\uc6a9 \ubb38\uc81c\ub85c \uc774\uc5b4\uc9c0\uace0 \uc788\uc73c\uba70, \ud2b9\ud788 \uc774\ub7ec\ud55c \ud68c\uc0ac\ub4e4\uc774 \uc774\ubbf8 \uc790\ub3d9\ucc28 \ubcf4\ud5d8 \uac00\uc785 \uac10\uc18c\uc640 \uc7ac\uc0b0 \ud53c\ud574 \uccad\uad6c \uc99d\uac00\ub77c\ub294 \ub450 \uac00\uc9c0 \ubb38\uc81c\uc5d0 \uc9c1\uba74\ud574 \uc788\ub294 \uacbd\uc6b0 \ub354\uc6b1 \uadf8\ub807\uc2b5\ub2c8\ub2e4.<\/p>\n\n

\uc0ac\uc774\ubc84 \ucc45\uc784 \uc804\ubb38\uac00\uc778 \ub9ac\ucc98\ub4dc \ud398\ub974\ub09c\ub370\uc988(Richard Fernandez<\/a>)\ub294 “\uc2e4\uc81c \ud6a8\uacfc\ub294 \uaddc\uc815 \uc900\uc218 \ube44\uc6a9\uc774 \uc5c4\uccad\ub098\uac8c \uc99d\uac00\ud560 \uac83\uc774\uba70, \uc774\ub294 \uae30\uad00\uc758 \ud604\uc7ac \uc608\uc0b0\uc5d0 \ud3ec\ud568\ub418\uc9c0 \uc54a\uc744 \uac00\ub2a5\uc131\uc774 \ub192\ub2e4”\uace0 \uc608\uce21\ud569\ub2c8\ub2e4.<\/p>\n\n

\uc774 \ube44\uc6a9\uc5d0\ub294 \uc0ac\uc774\ubc84 \ubcf4\uc548 \ubc0f \uaddc\uc815 \uc900\uc218\ub97c \uc804\ub2f4\ud558\ub294 \uc9c1\uc6d0\uc758 \ud544\uc694\uc131\uc774 \ud3ec\ud568\ub418\uba70, \uc774\ub294 \ucd5c\uadfc\uc5d0 \uc81c\uc815\ub41c \uc5ec\ub7ec \uc8fc\ubc95\uc5d0\uc11c \uc694\uad6c\ud569\ub2c8\ub2e4.\n\uace0\uac1d \ub370\uc774\ud130 \uc720\ucd9c\uacfc \uad00\ub828\ub41c \ubbfc\uc0ac \uc18c\uc1a1\uc5d0 \ub300\ud574 \uc5ec\ub7ec \ubc95\uc6d0\uc774 \uc11c\ub85c \ub2e4\ub978 \ud310\uacb0\uc744 \ub0b4\ub9ac\uba74\uc11c \ubcf4\ud5d8 \ud68c\uc0ac\ub4e4\ub3c4 \uc810\uc810 \ub354 \ubcf5\uc7a1\ud55c \ubc95\ub960 \ud658\uacbd\uc5d0 \uc9c1\uba74\ud574 \uc788\ub2e4\uace0 \ubcc0\ud638\uc0ac Kimberly Horn<\/a>\uc740 \ub9d0\ud569\ub2c8\ub2e4. <\/p>\n\n

\"데이터<\/figure>\n\n

\uc8fc \uc815\ubd80\ub294 \ub370\uc774\ud130 \ubcf4\uc548\uc5d0 \ub300\ud55c \uc870\uce58\ub97c \ucde8\ud569\ub2c8\ub2e4.<\/h2>\n\n

\ubcf4\ud5d8 \ub370\uc774\ud130 \ubcf4\uc548\uc5d0 \ub300\ud55c \uc5f0\ubc29\uc815\ubd80\uc758 \ud1b5\uc77c\ub41c \ub300\uc751\uc774 \ubd80\uc7ac\ud55c \uc0c1\ud669\uc5d0\uc11c, \ubbf8\uad6d\uc758 \uc8fc\ub4e4\uc740 \uc774 \ubb38\uc81c\ub97c \uc2a4\uc2a4\ub85c \uaddc\uc81c\ud558\uae30 \uc2dc\uc791\ud588\ub2e4.\n\ub274\uc695\uacfc \ub85c\ub4dc\uc544\uc77c\ub79c\ub4dc\ub294 \ubcf4\ud5d8 \ub370\uc774\ud130 \ubcf4\ud638 \ubc0f \uac1c\uc778 \uc815\ubcf4 \ubcf4\ud638\uc5d0 \uad00\ud55c \uaddc\uce59\uc744 \uc81c\uc815\ud588\uc73c\uba70, \uc0ac\uc6b0\uc2a4\uce90\ub864\ub77c\uc774\ub098, \ubbf8\uc2dc\uac04, \uc624\ud558\uc774\uc624\ub294 2018\ub144\uc5d0 \ubaa8\ub378 \ubc95\ub960\uc744 \ucc44\ud0dd\ud588\uc2b5\ub2c8\ub2e4. <\/p>\n\n

\uc870\uc9c0\uc544\uc8fc, \uc77c\ub9ac\ub178\uc774\uc8fc, \ucf04\ud130\ud0a4\uc8fc, \uba54\ub9b4\ub79c\ub4dc\uc8fc, \ubc84\uc9c0\ub2c8\uc544\uc8fc \ub4f1 \ub2e4\ub978 \uc8fc\uc5d0\uc11c\ub3c4 \ubcf4\ud5d8 \ub370\uc774\ud130 \ubcf4\uc548\ubc95\uc744 \uace0\ub824\ud558\uace0 \uc788\ub2e4.\n\uc774\ub7ec\ud55c \uc8fc\uc815\ubd80 \uc8fc\ub3c4\uc758 \ubcc0\ud654\ub85c \uc778\ud574 \uc9c0\uc5ed \uc190\ud574 \ubcf4\ud5d8\uc0ac\ub4e4\uc740 \uc810\uc810 \ub354 \ubcf5\uc7a1\ud574\uc9c0\ub294 \uaddc\uc81c \ud658\uacbd\uc5d0 \uc9c1\uba74\ud574\uc57c \ud55c\ub2e4\uace0 PropertyCasualty360\uc758 Christopher M. Brubaker<\/a> \ub294 \ub9d0\ud569\ub2c8\ub2e4. <\/p>\n\n

\ub274\uc695<\/h3>\n\n

\ub274\uc695\uc740 \ubcf4\ud5d8 \uad00\ub828 \ub370\uc774\ud130 \ubcf4\ud638 \uaddc\uc815\uc758 \uae38\uc744 \uc5f4\uc5c8\uc2b5\ub2c8\ub2e4.\n\ub274\uc695\uc8fc\uc758 \uae08\uc735\uc11c\ube44\uc2a4\ubd80(DFS)\ub294 2017\ub144\uc5d0 \uc0ac\uc774\ubc84 \ubcf4\uc548 \uaddc\uc815\uc744 \uc2dc\ud589\ud588\uc2b5\ub2c8\ub2e4.\n\uc774\uc5d0 \ub530\ub77c \ubcf4\ud5d8 \ud68c\uc0ac\ub294 \ub370\uc774\ud130 \uc561\uc138\uc2a4\ub97c \uc704\ud55c \ub2e4\ub2e8\uacc4 \uc778\uc99d\uc744 \uad6c\ud604\ud558\uace0 72\uc2dc\uac04 \uc774\ub0b4\uc5d0 \uc0ac\uc774\ubc84 \ubcf4\uc548 \uc0ac\uace0\ub97c \ubcf4\uace0\ud574\uc57c \ud588\uc2b5\ub2c8\ub2e4.\n\ub610\ud55c \ucd5c\uace0 \uc815\ubcf4 \ubcf4\uc548 \ucc45\uc784\uc790(CISO)\uc758 \ud615\ud0dc\ub85c \uac70\ubc84\ub10c\uc2a4 \ubc0f \ucc45\uc784\uc5d0 \ub300\ud55c \ucd94\uac00 \uc694\uad6c \uc0ac\ud56d\ub3c4 \ud3ec\ud568\ub418\uc5c8\ub2e4\uace0 CCSI\uc758 \uc804\ubb34 \uc774\uc0ac\uc778 Larry Bianculli<\/a>\ub294 \ub9d0\ud569\ub2c8\ub2e4. <\/p>\n\n

2017\ub144 \ub9d0\uc5d0 \ubc1c\ud45c\ub41c NAIC \ubcf4\ud5d8 \ub370\uc774\ud130 \ubcf4\uc548 \ubaa8\ub378\ubc95\uc740 \ub274\uc695 \uaddc\uc815\uc744 \uae30\ubc18\uc73c\ub85c \ud569\ub2c8\ub2e4.\n\uba87\uba87 \uc8fc\uc5d0\uc11c\ub294 \ubaa8\ub378\ubc95\uc744 \uc644\uc804\ud788 \ucc44\ud0dd\ud588\uc73c\uba70, \ub2e4\ub978 \uc8fc\uc5d0\uc11c\ub294 \ubaa8\ub378\ubc95\uc758 \uc77c\ubd80 \uc870\ud56d\uc744 \uc81c\uc815\ud558\ub294 \ubc95\uc548\uc744 \uace0\ub824\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n

\uc0ac\uc6b0\uc2a4 \uce90\ub864\ub77c\uc774\ub098<\/h3>\n\n

\uc0ac\uc6b0\uc2a4\uce90\ub864\ub77c\uc774\ub098\ub294 2018\ub144 5\uc6d4 NAIC \ubcf4\ud5d8 \ub370\uc774\ud130 \ubcf4\uc548 \ubaa8\ub378\ubc95\uc744 \ucc44\ud0dd\ud55c \ucd5c\ucd08\uc758 \uc8fc\uac00 \ub418\uc5b4 \ud5e4\ub4dc\ub77c\uc778\uc744 \uc7a5\uc2dd\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n\n

\uc0ac\uc6b0\uc2a4\uce90\ub864\ub77c\uc774\ub098\uc758 \ubc95\ub960\uc740 \uc0ac\uc6b0\uc2a4\uce90\ub864\ub77c\uc774\ub098\uc758 \ubcf4\ud5d8\ubc95\uc5d0 \ub530\ub77c \ud5c8\uac00\ub97c \ubc1b\uc740 \uac1c\uc778\uacfc \ud68c\uc0ac \ubaa8\ub450 \ub370\uc774\ud130 \ubcf4\uc548\uacfc \uad00\ub828\ub41c \uc0c8\ub85c\uc6b4 \uc694\uad6c \uc0ac\ud56d\uc744 \ucda9\uc871\ud558\ub3c4\ub85d \uc694\uad6c\ud569\ub2c8\ub2e4.\n\uc774 \ubc95\uc758 \ud575\uc2ec\uc740 \ud3ec\uad04\uc801\uc778 \uc11c\uba74 \uc815\ubcf4 \ubcf4\uc548 \ud504\ub85c\uadf8\ub7a8(WISP)\uc744 \ub9cc\ub4e4\uc5b4\uc57c \ud55c\ub2e4\ub294 \uc694\uac74\uc774\ub77c\uace0 Alston & Bird\uc758 \ubcc0\ud638\uc0ac\uc778 Nameir Abbas<\/a>\ub294 \ub9d0\ud569\ub2c8\ub2e4. <\/p>\n\n

\ub370\uc774\ud130 \uce68\ud574\uac00 \ubc1c\uc0dd\ud560 \uacbd\uc6b0, \ubcf4\ud5d8\uc0ac\ub294 \uc0ac\uac74\uc744 \uc870\uc0ac\ud558\uace0, \uc0ac\uac74\uc758 \uc131\uaca9\uacfc \ubc94\uc704\ub97c \ud3c9\uac00\ud558\uace0, \uc190\uc0c1\ub41c \uc815\ubcf4\ub97c \uc2dd\ubcc4\ud558\uace0, “\uc190\uc0c1\ub41c \uc815\ubcf4\uc758 \ubcf4\uc548\uc744 \ubcf5\uc6d0\ud558\uae30 \uc704\ud55c \ud569\ub9ac\uc801\uc778 \uc870\uce58\ub97c \ucde8\ud574\uc57c \ud55c\ub2e4”\uace0 White & Williams LLP\uc758 Joshua Mooney, Richard Borden \ubc0f Sedgwick Jeanite<\/a> \ub294 \ub9d0\ud569\ub2c8\ub2e4. \ubcf4\ud5d8\uc0ac\ub294 \ub610\ud55c \ud2b9\uc815 \uc0ac\uac74\uc744 \uc8fc\uc758 \ubcf4\ud5d8 \ubd80\uc11c\uc5d0 \ubcf4\uace0\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n\n

\ubbf8\uc2dc\uac04\uacfc \uc624\ud558\uc774\uc624<\/h3>\n\n

\ubbf8\uc2dc\uac04\uc8fc\uc640 \uc624\ud558\uc774\uc624\uc8fc\ub3c4 2018\ub144 12\uc6d4 \ubcf4\ud5d8 \ub370\uc774\ud130 \ubcf4\uc548\ubc95\uc744 \uc81c\uc815\ud558\uc5ec NAIC \ubcf4\ud5d8 \ub370\uc774\ud130 \ubcf4\uc548 \ubaa8\ub378\ubc95\uc744 \ucc44\ud0dd\ud588\uc2b5\ub2c8\ub2e4.\n\uc0c8\ub85c\uc6b4 \ubc95\ub960\uc740 \uac01 \uc8fc\uc758 \ubcf4\ud5d8 \ubd80\uc11c\uc5d0\uc11c \ud5c8\uac00\ub97c \ubc1b\uc740 \ubaa8\ub4e0 \uac1c\uc778 \ub610\ub294 \ud68c\uc0ac\uc5d0 \uc801\uc6a9\ub429\ub2c8\ub2e4. <\/p>\n\n

\ubbf8\uc2dc\uac04 \uc8fc\ubc95\uc740 \ub610\ud55c \ubbf8\uc2dc\uac04 \uc8fc\uc758 ID \ub3c4\ub09c \ubc29\uc9c0\ubc95\uc758 \uc5ec\ub7ec \uc870\ud56d\uc744 \ud1b5\ud569\ud558\uace0 \uc788\ub2e4\uace0 Alston & Bird\uc758 \ubcc0\ud638\uc0ac\uc774\uc790 \uc0ac\uc774\ubc84 \ubcf4\uc548 \ub300\uc751 \ud300\uc6d0\uc778 Kate Hanniford<\/a>\ub294 \ub9d0\ud569\ub2c8\ub2e4.<\/p>\n\n

\uc624\ud558\uc774\uc624\uc758 \ubc95\uc740 \uc624\ud558\uc774\uc624\uc5d0\uc11c \uc0ac\uc5c5\uc744 \ud558\ub294 \ubcf4\ud5d8\uc0ac, \uc5d0\uc774\uc804\uc2dc \ubc0f \uc911\uac1c\uc778\uc5d0\uac8c\ub9cc \uc801\uc6a9\ub429\ub2c8\ub2e4.\n“\uc624\ud558\uc774\uc624 \uc774\uc678\uc758 \uc9c0\uc5ed\uc5d0 \uc18c\uc7ac\ud55c \uc7ac\ubcf4\ud5d8\uc0ac\uc640 \ub2e4\ub978 \uc8fc\uc5d0\uc11c \uc778\uac00\ub97c \ubc1b\uace0 \ud5c8\uac00\ub97c \ubc1b\uc740 \uc704\ud5d8 \ubcf4\uc720 \uadf8\ub8f9 \ubc0f \uad6c\ub9e4 \uadf8\ub8f9\uc740 \uc774 \ubc95\uc5d0\uc11c \uc81c\uc678\ub429\ub2c8\ub2e4”\ub77c\uace0 Sidley\uc758 \ubcc0\ud638\uc0ac \ubc0f \ud30c\ud2b8\ub108\uc778 Edward R. McNicholas\uc640 Thomas D. Cunningham<\/a>\uc740 \ub9d0\ud569\ub2c8\ub2e4. <\/p>\n\n

\"사무실에서<\/figure>\n\n

\ubcf4\ud5d8 \ub370\uc774\ud130 \ubcf4\uc548 \ubaa8\ub378 \ubc95\ub960\uc758 \uc774\ud574<\/h2>\n\n

RSM\uc758 \ubcf4\uc548, \uac1c\uc778 \uc815\ubcf4 \ubcf4\ud638 \ubc0f \uc704\ud5d8 \ucc45\uc784\uc790\uc778 Matt Franko<\/a>\ub294 NAIC \ubcf4\ud5d8 \ub370\uc774\ud130 \ubcf4\uc548 \ubaa8\ub378\ubc95\uc740<\/a> “\ubcf4\ud5d8 \uc870\uc9c1\uc774 \uc644\uc804\ud55c \uc0ac\uc774\ubc84 \ubcf4\uc548 \ud504\ub85c\uadf8\ub7a8\uc744 \uc6b4\uc601\ud558\ub3c4\ub85d \uc694\uad6c\ud558\ub294 \ubc95\uc801 \ud504\ub808\uc784\uc6cc\ud06c\ub97c \uc218\ub9bd\ud55c\ub2e4”\uace0 \ub9d0\ud569\ub2c8\ub2e4. \uc774 \ud504\ub808\uc784\uc6cc\ud06c\ub294 \uc0ac\uc774\ubc84 \ubcf4\uc548 \ud14c\uc2a4\ud2b8 \ubc0f \uc774\uc0ac\ud68c \uac10\ub3c5\uc5d0\uc11c \uc0ac\uace0 \ub300\uc751 \uacc4\ud68d \ubc0f \uc704\ubc18 \uc54c\ub9bc \uc808\ucc28\uc5d0 \uc774\ub974\uae30\uae4c\uc9c0 \uad11\ubc94\uc704\ud55c \ub370\uc774\ud130 \ubcf4\uc548 \ubb38\uc81c\ub97c \ub2e4\ub8f9\ub2c8\ub2e4.<\/p>\n\n

\uc774 \ubaa8\ub378\ubc95\uc740 \uc774\ubbf8 \uc5ec\ub7ec \uc8fc\uc5d0\uc11c \ucc44\ud0dd\ub418\uc5c8\uc73c\uba70, \ub2e4\ub978 \uc8fc \uc785\ubc95\ubd80\uc5d0\uc11c\ub3c4 \uace0\ub824\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4.\n\uadf8 \uc778\uae30\ub294 P &C \ubcf4\ud5d8 \ud68c\uc0ac, \ub300\ub9ac\uc778 \ubc0f \uc911\uac1c\uc778\uc774 \uace0\ub824\ud560 \uac00\uce58\uac00 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n

Baker Hostetler\uc758 \ubcc0\ud638\uc0ac\uc778 Andreas Kaitsounis\uc640 Shea M. Leitch<\/a>\ub294 \uc774 \ubc95\uc548\uc744 \uc815\uc758\ud558\ub294 \uc138 \uac00\uc9c0 \uc8fc\ubaa9\ud560 \ub9cc\ud55c \uc870\ud56d\uc774 \uc788\ub2e4\uace0 \ub9d0\ud569\ub2c8\ub2e4. \uccab\uc9f8, \ubaa8\ub378\ubc95\uc740 \uace0\uac1d\uc758 \uac1c\uc778 \uc815\ubcf4\ubfd0\ub9cc \uc544\ub2c8\ub77c \ud2b9\uc815 \uc720\ud615\uc758 \ubbfc\uac10\ud55c \ube44\uc988\ub2c8\uc2a4 \uc815\ubcf4\ub97c \ud3ec\ud568\ud558\uc5ec \ube44\uacf5\uac1c \uc815\ubcf4\ub97c \uad11\ubc94\uc704\ud558\uac8c \uc815\uc758\ud569\ub2c8\ub2e4.<\/p>\n\n

“\ud55c \uac00\uc9c0 \uc608\ub97c \ub4e4\uc790\uba74, \uc774\ub294 \uae30\uc5c5\uc758 \ube44\uc988\ub2c8\uc2a4 \uc6b4\uc601\uc744 \ub9c8\ube44\uc2dc\ud0a4\ub294 \ub79c\uc12c\uc6e8\uc5b4 \uc0ac\uac74\uc774 \uac1c\uc778 \uc815\ubcf4\uc640 \uad00\ub828\uc774 \uc5c6\ub354\ub77c\ub3c4 \ud1b5\uc9c0 \uc758\ubb34\ub97c \uc720\ubc1c\ud560 \uac00\ub2a5\uc131\uc774 \ub192\ub2e4\ub294 \uac83\uc744 \uc758\ubbf8\ud569\ub2c8\ub2e4”\ub77c\uace0 Kaitsounis\uc640 Leitch\ub294 \ub9d0\ud569\ub2c8\ub2e4.<\/p>\n\n

\ubaa8\ub378 \ubc95\uc740 \ub610\ud55c \uc11c\uba74 \ud504\ub85c\uadf8\ub7a8, \uc0ac\uace0 \ub300\uc751 \uacc4\ud68d \ubc0f \uc870\uc9c1 \ub0b4 \ubc0f \uc81c3\uc790 \uad00\uacc4\uc5d0\uc11c\uc758 \uac10\ub3c5 \uc694\uad6c \uc0ac\ud56d\uc744 \ud3ec\ud568\ud558\uc5ec \uc815\ubcf4 \ubcf4\uc548 \ud504\ub85c\uadf8\ub7a8\uc5d0 \ub300\ud55c \uc5c4\uaca9\ud55c \uc694\uad6c \uc0ac\ud56d\uc744 \uc124\uc815\ud569\ub2c8\ub2e4.<\/p>\n\n

\ub9c8\uc9c0\ub9c9\uc73c\ub85c, \ubaa8\ub378\ubc95\uc758 \uae30\ubc00 \uc720\uc9c0 \uc870\ud56d\uc740 \ub9e4\uc6b0 \uad11\ubc94\uc704\ud558\uc5ec \uc0ac\uc774\ubc84 \ubcf4\uc548 \uc774\ubca4\ud2b8\uc640 \uad00\ub828\ub41c \uc815\ubcf4\ub97c \uacf5\uacf5 \uae30\ub85d \uc694\uccad, \uc18c\ud658\uc7a5 \ub610\ub294 \ubbfc\uac04 \ubbfc\uc0ac \uc18c\uc1a1\uc5d0 \uc0ac\uc6a9\ud558\uc9c0 \ubabb\ud558\ub3c4\ub85d \ubcf4\ud638\ud569\ub2c8\ub2e4.<\/p>\n\n

NAIC\ub294 \uc5ec\ub7ec \uc8fc\uc5d0\uc11c \ubaa8\ub378\ubc95\uc758 \ucc44\ud0dd\uc744 \uc801\uadf9\uc801\uc73c\ub85c \ucd94\uc9c4\ud574 \uc654\uc9c0\ub9cc, \ubaa8\ub378\ubc95 \uc790\uccb4\ub294 \uc8fc \uc758\ud68c\uc5d0\uc11c \uc81c\uc815\ub420 \ub54c\uae4c\uc9c0 \ud6a8\ub825\uc774 \uc5c6\uc2b5\ub2c8\ub2e4.\n\ud604\uc7ac\uae4c\uc9c0 \uc5ec\ub7ec \uc8fc\uc5d0\uc11c \uae30\uc874 \ubcf4\ud5d8 \uaddc\uc815 \uc2dc\uc2a4\ud15c\uc5d0 \ub9de\uac8c \uc218\uc815\ud558\uc5ec \ubaa8\ub378\ubc95\uc744 \uc81c\uc815\ud588\uc2b5\ub2c8\ub2e4. <\/p>\n\n

\uc608\ub97c \ub4e4\uc5b4, \ubaa8\ub378\ubc95\uc740 \ubcf4\ud5d8\uc0ac\uac00 \uaddc\uc815\uc744 \uc900\uc218\ud560 \uc218 \uc788\ub294 \uae30\uac04\uc744 1\ub144\uc73c\ub85c \uc81c\ud55c\ud558\uc9c0\ub9cc \ubbf8\uc2dc\uac04 \uc8fc\ub294 \ub354 \uc624\ub79c \uae30\uac04\uc5d0 \uac78\uccd0 \uc694\uad6c \uc0ac\ud56d\uc744 \ub2e8\uacc4\uc801\uc73c\ub85c \ub3c4\uc785\ud558\ub294 \uc2dc\uc2a4\ud15c\uc744 \uc81c\uc815\ud588\uc2b5\ub2c8\ub2e4.\n\uc774 \ubc95\uc740 2021\ub144 1\uc6d4 20\uc77c\ubd80\ud130 \uc2dc\ud589\ub418\uba70, PropertyCasualty360\uc758 Lawrence R. Hamilton, Jeffrey P. Taft \ubc0f Matthew Bisanz<\/a> \ub294 \ubcf4\ud5d8\uc0ac\uac00 \ub300\ubd80\ubd84\uc758 \uc870\ud56d\uc744 \uc900\uc218\ud558\ub294 \ub370 1\ub144, \uc81c3\uc790 \uc11c\ube44\uc2a4 \uc81c\uacf5\uc5c5\uccb4\uc5d0 \ub300\ud55c \uc694\uad6c \uc0ac\ud56d\uc744 \ucda9\uc871\ud558\ub294 \ub370 2\ub144\uc758 \uae30\uac04\uc744 \ubd80\uc5ec\ud55c\ub2e4\uace0 \ub9d0\ud569\ub2c8\ub2e4. <\/p>\n\n

\ubaa8\ub378\ubc95\uc740 \ubcf4\ud5d8\uc0ac\uac00 \ub370\uc774\ud130 \uce68\ud574 \ud1b5\uc9c0\uc5d0 \ub300\ud55c \uc8fc\uc758 \uc77c\ubc18 \uc694\uad6c \uc0ac\ud56d\uc744 \ub530\ub974\ub3c4\ub85d \uc694\uad6c\ud569\ub2c8\ub2e4.\n\uadf8\ub7ec\ub098 \uc624\ud558\uc774\uc624\uc8fc\uc640 \ubbf8\uc2dc\uac04\uc8fc \ubaa8\ub450 \uc774 \uc6a9\uc5b4\ub97c \uc774 \ubc95\uc758 \uc801\uc6a9\uc744 \ubc1b\ub294 \ubcf4\ud5d8 \ub300\ub9ac\uc778, \uc911\uac1c\uc778 \ubc0f \ud68c\uc0ac\uc5d0\ub9cc \uc801\uc6a9\ub418\ub294 \ud2b9\uc815 \ub370\uc774\ud130 \uc720\ucd9c \ud1b5\uc9c0 \uc694\uad6c \uc0ac\ud56d\uc73c\ub85c \ub300\uccb4\ud588\ub2e4\uace0 \ubcc0\ud638\uc0ac\uc774\uc790 \uc8fc\uc8fc\uc778 Josephine Cicchetti<\/a>\ub294 \ub9d0\ud569\ub2c8\ub2e4. <\/p>\n\n

\uac01 \uc8fc\uc5d0\uc11c \ubaa8\ub378 \ubc95\ub960\uc758 \uc790\uccb4 \ubc18\ubcf5\uc744 \uacc4\uc18d \ud14c\uc2a4\ud2b8\ud568\uc5d0 \ub530\ub77c \ubcf4\ud5d8\uc0ac\ub294 \uc9c0\uc5ed\uc5d0 \ub530\ub77c \uadf8\ub9ac\uace0 \uc2dc\uac04\uc774 \uc9c0\ub0a8\uc5d0 \ub530\ub77c \ubcc0\ud654\ud558\ub294 \ub370\uc774\ud130 \uac1c\uc778 \uc815\ubcf4 \ubcf4\ud638 \uaddc\uc815\uc758 \ud2b9\uc131\uc5d0 \uc720\uc758\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n\n

\uc774\ubbf8\uc9c0 \uc791\uc131\uc790: Sergey Nivens\/\u00a9123RF.com, swollowpp\/\u00a9123RF.com, stylephotographs\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

2018\ub144 \ub370\uc774\ud130 \uc720\ucd9c \uc0ac\uace0\ub294 \uc804 \uc138\uacc4\uc758 \ud5e4\ub4dc\ub77c\uc778\uc744 \uc7a5\uc2dd\ud588\uc2b5\ub2c8\ub2e4. T-Mobile, Quora, Google, Orbitz \ubc0f Facebook\uacfc \uac19\uc740 \ud68c\uc0ac\uac00 \uc601\ud5a5\uc744 \ubc1b\uc544 \uc218\ubc31\ub9cc \uba85\uc758 \uac1c\uc778 \uc815\ubcf4\uac00 \ub178\ucd9c\ub418\uc5c8\uc2b5\ub2c8\ub2e4. \ub370\uc774\ud130 \ubcf4\ud638 \ubc0f \uac1c\uc778 \uc815\ubcf4 \ubcf4\ud638\ub294 \uc624\ub298\ub0a0\uc758 \uace0\ub3c4\ub85c \uc5f0\uacb0\ub41c \uc138\uc0c1\uc5d0\uc11c \uc2ec\uac01\ud55c \ubb38\uc81c\uc774\uba70 \ub9ce\uc740 \uc8fc \uc785\ubc95\ubd80\uc5d0\uc11c \uc911\uc2ec \ubb34\ub300\ub97c \ucc28\uc9c0\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ub370\uc774\ud130 \ubcf4\uc548\uc758 \uc704\ud5d8\uacfc \uacfc\uc81c\ub294 \uc7ac\uc0b0 \ubc0f \uc0c1\ud574 \ubcf4\ud5d8 \ubd84\uc57c\uc758 \ud68c\uc0ac, \ub300\ub9ac\uc778 \ubc0f \uc911\uac1c\uc778\uc5d0\uac8c […]<\/p>\n","protected":false},"featured_media":0,"template":"","insight-category":[],"class_list":["post-21244","insight","type-insight","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/ko\/wp-json\/wp\/v2\/insight\/21244","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:attachment":[{"href":"https:\/\/bolttech.io\/ko\/wp-json\/wp\/v2\/media?parent=21244"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/ko\/wp-json\/wp\/v2\/insight-category?post=21244"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}