{"id":21304,"date":"2024-09-30T14:31:07","date_gmt":"2024-09-30T19:31:07","guid":{"rendered":"https:\/\/bolttech.io\/insights\/%ea%b3%a0%ea%b0%9d-%ec%9c%a0%ec%a7%80%ec%9c%a8%ec%97%90%ec%84%9c-%ec%8a%b9%eb%a6%ac%ed%95%98%eb%a0%a4%eb%a9%b4-%ec%9a%b0%ec%88%98%ed%95%9c-%ea%b3%a0%ea%b0%9d-%ec%84%9c%eb%b9%84%ec%8a%a4%ec%9d%98\/"},"modified":"2024-09-30T14:31:16","modified_gmt":"2024-09-30T19:31:16","slug":"%ea%b3%a0%ea%b0%9d-%ec%9c%a0%ec%a7%80%ec%9c%a8%ec%97%90%ec%84%9c-%ec%8a%b9%eb%a6%ac%ed%95%98%eb%a0%a4%eb%a9%b4-%ec%9a%b0%ec%88%98%ed%95%9c-%ea%b3%a0%ea%b0%9d-%ec%84%9c%eb%b9%84%ec%8a%a4%ec%9d%98","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/ko\/insights\/%ea%b3%a0%ea%b0%9d-%ec%9c%a0%ec%a7%80%ec%9c%a8%ec%97%90%ec%84%9c-%ec%8a%b9%eb%a6%ac%ed%95%98%eb%a0%a4%eb%a9%b4-%ec%9a%b0%ec%88%98%ed%95%9c-%ea%b3%a0%ea%b0%9d-%ec%84%9c%eb%b9%84%ec%8a%a4%ec%9d%98\/","title":{"rendered":"\uace0\uac1d \uc720\uc9c0\uc728\uc5d0\uc11c \uc2b9\ub9ac\ud558\ub824\uba74 \uc6b0\uc218\ud55c \uace0\uac1d \uc11c\ube44\uc2a4\uc758 \uac00\uce58\uc5d0 \uc9d1\uc911\ud574\uc57c \ud569\ub2c8\ub2e4"},"content":{"rendered":"\n

\ube44\uc6a9 \ubc0f \uc190\uc2e4 \uc99d\uac00\uc640 \uc528\ub984\ud558\ub294 \ubcf4\ud5d8 \uc5c5\uacc4\uc5d0\uc11c \uace0\uac1d\uc744 \uc720\uce58\ud558\uace0 \uc720\uc9c0\ud558\uae30 \uc704\ud55c \ub178\ub825\uc740 \ud604\uc2e4\uc785\ub2c8\ub2e4.<\/p>\n\n

\ub2e4\ud589\ud788\ub3c4 \uc5f0\uad6c\uc5d0 \ub530\ub974\uba74 \uae30\uc874 \uace0\uac1d\uc740 \uc800\ub834\ud55c \uc694\uae08\ubcf4\ub2e4 \uc6b0\uc218\ud55c \uace0\uac1d \uc11c\ube44\uc2a4\uc640 \uc758\ubbf8 \uc788\ub294 \uad00\uacc4\ub97c \ud6e8\uc52c \ub354 \uc911\uc694\ud558\uac8c \uc0dd\uac01\ud569\ub2c8\ub2e4.\n\uc989, \ubcf4\ud5d8\uc0ac\ub294 \uc774\ubbf8 \ubcf4\uc720\ud558\uace0 \uc788\ub294 \uace0\uac1d \uad00\uacc4\ub97c \uc720\uc9c0\ud558\uae30 \uc704\ud574 \uace0\uac1d \uacbd\ud5d8\uacfc \ucc38\uc5ec\uc5d0 \uc9d1\uc911\ud574\uc57c \ud569\ub2c8\ub2e4. <\/p>\n\n

\uac70\ub798\uac00 \uc131\uc0ac\ub41c \ud6c4 \uace0\uac1d\uc774 \ub5a0\ub098\ub294 \uc774\uc720\uc640 \ub354 \uac15\ub825\ud558\uace0 \uc218\uc775\uc131 \uc788\ub294 \uc7a5\uae30\uc801\uc778 \uad00\uacc4\ub97c \uad6c\ucd95\ud558\uae30 \uc704\ud574 \ud560 \uc218 \uc788\ub294 \uc77c\uc740 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4.<\/p>\n\n

\uace0\uac1d\uc774 \ub5a0\ub098\ub294 \uc774\uc720(\uadf8\ub9ac\uace0 \uace0\uac1d\uc774 \uba38\ubb34\ub294 \uc774\uc720)<\/h2>\n\n

\uc2e0\uaddc \uace0\uac1d\uc740 \uac00\uaca9\uc744 \ubcf4\uace0 \uc1fc\ud551\ud558\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc9c0\ub9cc, \uc544\ubb34\ub9ac \uc88b\uc740 \ubcf4\ud5d8\ub8cc\ub97c \uc81c\uc2dc\ud558\ub354\ub77c\ub3c4 \ud615\ud3b8\uc5c6\ub294 \uace0\uac1d \uc11c\ube44\uc2a4\ub97c \uacbd\ud5d8\ud558\ub294 \uace0\uac1d\uc744 \uc720\uc9c0\ud558\uc9c0\ub294 \ubabb\ud569\ub2c8\ub2e4.<\/p>\n\n

Gladly\uc758 2018\ub144 \uace0\uac1d \uc11c\ube44\uc2a4 \uae30\ub300\uce58 \uc124\ubb38\uc870\uc0ac\uc5d0\uc11c \uc124\ubb38 \uc870\uc0ac\uc5d0 \ucc38\uc5ec\ud55c \uace0\uac1d\uc758 92%\ub294 \ub098\uc05c \uace0\uac1d \uc11c\ube44\uc2a4\ub97c 3\ud68c \uc774\ud558\ub85c \uacbd\ud5d8\ud55c \ud6c4 \ud68c\uc0ac\uc640\uc758 \uac70\ub798\ub97c \uc911\ub2e8\ud560 \uac83\uc774\ub77c\uace0 \ub2f5\ud588\uc73c\uba70, 26%\ub294 \ub2e8 \ud55c \ubc88\uc758 \ub098\uc05c \uacbd\ud5d8\uc73c\ub85c \ud68c\uc0ac\ub97c \ub5a0\ub0a0 \uac83\uc774\ub77c\uace0 \ub9d0\ud588\uc2b5\ub2c8\ub2e4.<\/a><\/p>\n\n

“\uace0\uac1d\ub4e4\uc740 \ub354 \uc774\uc0c1 \uadc0\uc0ac\ub97c \uc9c1\uc811\uc801\uc778 \uacbd\uc7c1\uc0ac\uc640\ub9cc \ube44\uad50\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \ub2f9\uc2e0\uc740 \uc5b4\ub5a4 \ud68c\uc0ac\ub098 \uc0ac\ub78c\uc73c\ub85c\ubd80\ud130 \ubc1b\uc740 \ucd5c\uace0\uc758 \uc11c\ube44\uc2a4\uc640 \ube44\uad50\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4”\ub77c\uace0 Hyken\uc740 \ub9d0\ud569\ub2c8\ub2e4.<\/p>\n\n

\uc774\ub294 \uc6b0\uc218\ud55c \uace0\uac1d \uc11c\ube44\uc2a4\uc640 \uad00\ub828\ud558\uc5ec \ub2e4\ub978 \ubd80\ubb38\uc5d0 \ube44\ud574 \uacc4\uc18d \ub4a4\ucc98\uc9c0\uace0 \uc788\ub294 \ubcf4\ud5d8 \ud68c\uc0ac\uc5d0\uac8c\ub294 \uc5b4\ub824\uc6b4 \uc8fc\ubb38\uc774\ub77c\uace0 The Actuary\uc758 Chris Seekings<\/a> \ub294 \uc501\ub2c8\ub2e4.\n2018\ub144 \ubcf4\ud5d8 \uc0b0\uc5c5\uc758 \uace0\uac1d \ub9cc\uc871\ub3c4 \uc9c0\uc218 \uc810\uc218\ub294 \ud558\ub77d\ud55c \ubc18\uba74 \ub300\ub2e4\uc218 \ubd80\ubb38\uc758 \uc810\uc218\ub294 \uc0c1\uc2b9\ud588\ub2e4\uace0 Affinion\uc758 \ubd80\uc0ac\uc7a5 Karen Wheeler<\/a>\ub294 \ub9d0\ud569\ub2c8\ub2e4. <\/p>\n\n

\ubcf4\ud5d8 \uace0\uac1d\ub4e4\uc758 \ub2c8\uc988\ub294 \ube44\uad50\uc801 \ub2e8\uc21c\ud558\ub2e4: \uadf8\ub4e4\uc740 \uc790\uc2e0\uc774 \uac10\ub2f9\ud560 \uc218 \uc788\ub294 \uac00\uaca9\uc73c\ub85c \uadf8\ub4e4\uc758 \ub2c8\uc988\ub97c \ucda9\uc871\uc2dc\ud0a4\ub294 \ubcf4\ud5d8\uc744 \uc6d0\ud558\uace0, \uadf8\ub4e4\uc758 \ubcf4\ud5d8 \ud68c\uc0ac\uc640\uc758 \uc6d0\ud65c\ud55c \ucee4\ubba4\ub2c8\ucf00\uc774\uc158\uc744 \uc6d0\ud55c\ub2e4\uace0 \ubca0\uc778\uc564\ucef4\ud37c\ub2c8\uc758 \ub2e4\ub974\uc2dc \ub2e4\ub12c<\/a>\uc740 \ub9d0\ud55c\ub2e4.\n“\uadf8\ub4e4\uc740 \ubcf4\ud5d8\uc0ac\uac00 \uadf8\ub4e4\uc758 \ubd88\uc548\uc744 \uac00\uc911\uc2dc\ud0a4\ub294 \uac83\uc774 \uc544\ub2c8\ub77c \uc644\ud654\ud558\ub294 \ub370 \ub3c4\uc6c0\uc744 \uc8fc\uae30\ub97c \uae30\ub300\ud569\ub2c8\ub2e4.” <\/p>\n\n

\uadf8\ub7ec\ub098 \uc2e4\uc81c\ub85c \ubcf4\ud5d8 \ud68c\uc0ac\ub294 \uc774\ub7ec\ud55c \uae30\ubcf8\uc801\uc778 \uc694\uad6c \uc0ac\ud56d\uc744 \ucda9\uc871\uc2dc\ud0a4\uc9c0 \ubabb\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.\n \ud5e8\ub9ad \ub098\uc6b0\uc871\uc2a4(Henrik Naujoks<\/a> )\uc640 \ub3d9\ub8cc \uc5f0\uad6c\uc6d0\ub4e4\uc774 \uc791\uc131\ud55c \ubca0\uc778\uc758 \ub124 \ubc88\uc9f8 \uc5f0\ub840 ‘\ubcf4\ud5d8\uc5d0\uc11c\uc758 \uace0\uac1d \ud589\ub3d9 \ubc0f \ucda9\uc131\ub3c4(Customer Behavior and Loyalty in Insurance)’ \ubcf4\uace0\uc11c\uc5d0 \ub530\ub974\uba74, \ub300\ubd80\ubd84\uc758 \ubcf4\ud5d8\uc0ac\ub4e4\uc740 \uace0\uac1d\uc774 \uc694\uad6c\ud558\ub294 \uc591\uc9c8\uc758 \uc0c1\ud488\uc774\ub098 \uc0ac\uc6a9 \ud3b8\uc758\uc131\uc744 \uc81c\uacf5\ud558\uc9c0 \ubabb\ud558\uace0 \uc788\ub2e4.\n\uc774 \uc5f0\uad6c\ub294 25\uc138\uc5d0\uc11c 40\uc138 \uc0ac\uc774\uc758 \ubcf4\ud5d8 \uace0\uac1d \uc911 80%\uac00 \uc790\uc2e0\uc5d0\uac8c \uac00\uc7a5 \uc911\uc694\ud55c \ud56d\ubaa9\uc5d0 \ub300\ud574 \ubcf4\ud5d8\uc0ac\ub97c \ub0ae\uac8c \ud3c9\uac00\ud588\ub2e4\ub294 \uac83\uc744 \ubc1c\uacac\ud588\uc2b5\ub2c8\ub2e4. <\/p>\n\n

\ub514\uc9c0\ud138 \uae30\ubc18 \uace0\uac1d \uc11c\ube44\uc2a4 \uc138\uacc4\ub85c\uc758 \uc804\ud658\uc740 \uc5ec\uc804\ud788 \uc131\uc7a5\ud1b5\uc744 \uacaa\uace0 \uc788\uc2b5\ub2c8\ub2e4.\nPropertyCasualty360 \uae30\uc790 \ub9c8\ud06c \ube0c\ub808\ub529(Mark Breading<\/a> )\uc740 \uc138 \ubc88\uc758 \uc804\ud654 \ud1b5\ud654, \ub450 \ubc88\uc758 \uc6f9 \uc591\uc2dd \ubc0f \uc628\ub77c\uc778 \ucc44\ud305 \uc138\uc158\uc774 \ud544\uc694\ud588\ub358 \uc7a1\uc9c0 \uad6c\ub3c5\uc744 \ucde8\uc18c\ud558\ub824\ub294 \uc2dc\ub3c4\uc5d0 \ub300\ud574 \uc124\uba85\ud569\ub2c8\ub2e4.\n\uacb0\uad6d \uadf8\ub294 \uc790\uc2e0\uc758 \uc2e0\uc6a9\uce74\ub4dc \ud68c\uc0ac\uc5d0 \uc5f0\ub77d\ud574 \uac70\ub798\ub97c \ucc28\ub2e8\ud588\ub294\ub370, \uc774 \uacfc\uc815\uc740 \uc7a1\uc9c0\uc0ac\uc5d0 \uc5f0\ub77d\ud558\ub294 \uac83\ubcf4\ub2e4 \ub354 \uac04\ub2e8\ud588\ub2e4\uace0 \ube0c\ub808\ub529\uc740 \ub9d0\ud55c\ub2e4. <\/p>\n\n

\uadf8\ub7ec\ub098 \uc7a1\uc9c0 \uad6c\ub3c5\uacfc\ub294 \ub2ec\ub9ac, \ubcf4\ud5d8 \uac00\uc785\uc774 \ud544\uc218\uc778 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4.\n\uace0\uac1d\uc740 \uc774\ubbf8 \ubcf4\ud5d8 \ud68c\uc0ac\uc640\uc758 \uac70\ub798\uac00 \uadc0\ucc2e\uc740 \uc77c\uc774\ub77c\uace0 \ub290\ub084 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc0ac\uc6a9 \uac00\ub2a5\ud55c \ucee4\ubba4\ub2c8\ucf00\uc774\uc158 \ub3c4\uad6c\ub97c \uad00\ub9ac\ud558\uae30 \uc5b4\ub824\uc6b4 \uacbd\uc6b0 \uad00\uacc4\ub294 \ud68c\ubcf5\ud560 \uc218 \uc5c6\uc744 \uc815\ub3c4\ub85c \uc190\uc0c1\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n\n

Breading\uc740 “\ub3c4\uc804 \uacfc\uc81c(\ubc0f \uae30\ud68c)\ub294 \uc11c\ub85c \ub2e4\ub978 \ucc44\ub110 \uac04\uc5d0 \uc774\ub7ec\ud55c \uc0c1\ud638 \uc791\uc6a9 \ubc0f \uad00\ub828 \uc815\ubcf4\ub97c \uc2e4\uc2dc\uac04\uc73c\ub85c \uc6d0\ud65c\ud558\uac8c \uc804\uc1a1\ud560 \uc218 \uc788\ub3c4\ub85d \ud558\uc5ec \uace0\uac1d\uc5d0\uac8c \uc120\ud0dd\uad8c\uc744 \uc81c\uacf5\ud558\uace0 \ub514\uc9c0\ud138 \ubc0f \uc778\uac04 \uc5ed\ub7c9\uc758 \uc0ac\uc6a9\uc744 \ucd5c\uc801\ud654\ud560 \uc218 \uc788\ub3c4\ub85d \ud558\ub294 \uac83\uc785\ub2c8\ub2e4”\ub77c\uace0 \ub9d0\ud569\ub2c8\ub2e4.<\/p>\n\n

\"\"<\/figure>\n\n

\ubcf4\ud5d8 \ud68c\uc0ac\uac00 \uace0\uac1d\uc758 \ubcc0\ub3d9\uc131\uc5d0 \ub300\uc751\ud558\ub294 \ubc29\ubc95<\/h2>\n\n

\uac04\ud3b8\ud55c \uc815\ubcf4 \uc811\uadfc\uacfc \ube44\uc6a9 \uc808\uac10\uc5d0 \ub300\ud55c \uc5f4\ub9dd\uc73c\ub85c \uc6a9\uae30\ub97c \uc5bb\uc740 \ubcf4\ud5d8 \uace0\uac1d\uc740 \ubcf4\ud5d8 \uae30\ub150\uc77c\uc774 \ub2e4\uac00\uc624\uba74 \uadf8 \uc5b4\ub290 \ub54c\ubcf4\ub2e4 \ube60\ub974\uac8c \ubcf4\ud5d8\uc0ac\ub97c \ubcc0\uacbd\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n\uace0\uac1d\uc758 \uc8fc\uae30\uc801\uc778 \ubcc0\ud654\uc5d0 \ub300\ucc98\ud558\uae30 \uc704\ud574 \ubcf4\ud5d8 \ud68c\uc0ac\ub294 \uc5ec\ub7ec \uac00\uc9c0 \uc804\uc220\uc744 \ud65c\uc6a9\ud588\uc2b5\ub2c8\ub2e4. <\/p>\n\n

\uc774\ub7ec\ud55c \uc804\ub7b5\uc5d0\ub294 \ub370\uc774\ud130\ub97c \ud65c\uc6a9\ud558\uc5ec \uac1c\uc778\ud654\ub97c \uac1c\uc120\ud558\uace0 \uace0\uac1d\uc774 \uc7ac\uc0b0 \ubc0f \uc0c1\ud574 \ubcf4\ud5d8\uc5d0 \ub354 \uc27d\uac8c \uac00\uc785\ud560 \uc218 \uc788\ub3c4\ub85d \ud558\ub294 \uc0c8\ub85c\uc6b4 \ub3c4\uad6c\uc640 \uc804\ub7b5\uc744 \uc0ac\uc6a9\ud558\ub294 \uac83\uc774 \ud3ec\ud568\ub41c\ub2e4\uace0 J.D. Power\uc758 Tom Super<\/a> \ub294 \ub9d0\ud569\ub2c8\ub2e4.<\/p>\n\n

\uadf8\ub7ec\ub098 \ub514\uc9c0\ud138\ud654\uc640 \uadf8\uc5d0 \ub530\ub978 \uac1c\uc778\ud654\ub294 \ub354 \uc774\uc0c1 \uae30\uc5c5\uc744 \uacbd\uc7c1\uc5c5\uccb4\uc640 \ucc28\ubcc4\ud654\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4.\n\uc0ac\uc2e4, \ub2e8\uc21c\ud558\uace0 \uac1c\uc778\ud654\ub41c \uc628\ub514\ub9e8\ub4dc \uacbd\ud5d8\uc744 \uc81c\uacf5\ud558\uc9c0 \uc54a\ub294<\/em> \ud68c\uc0ac\ub294 \uc77c\uc0c1\uc801\uc778 \uace0\uac1d \uae30\ub300\uc5d0 \ubbf8\uce58\uc9c0 \ubabb\ud574 \uacbd\uc7c1\uc5d0\uc11c \ub450\uac01\uc744 \ub098\ud0c0\ub0bc \uc218 \uc788\ub2e4\uace0 \ub514\uc9c0\ud138 \ubcf4\ud5d8 \ud50c\ub7ab\ud3fc EIS Group\uc5d0\uc11c \uadfc\ubb34\ud558\ub294 Kevin Haydon<\/a>\uc740 \ub9d0\ud569\ub2c8\ub2e4.\n\uace0\uac1d\uc740 \ubcf4\ud5d8\uc5d0 \uac00\uc785\ud558\ub294 \uac83\uc774 \ud53c\uc790\ub97c \uc8fc\ubb38\ud558\ub294 \uac83\ub9cc\ud07c \uac04\ub2e8\ud558\uc9c0 \uc54a\ub2e4\ub294 \uac83\uc744 \uc774\ud574\ud558\uc9c0\ub9cc \ub450 \uac70\ub798\uc5d0\uc11c \ub3d9\uc77c\ud55c \uc0c1\ub300\uc801 \uc218\uc900\uc758 \ud3b8\uc758\uc131\uacfc \uac1c\uc778\ud654\ub97c \uae30\ub300\ud569\ub2c8\ub2e4. <\/p>\n\n

\ubcf4\ud5d8\ub8cc\ub294 \uc624\ub974\uc9c0\ub9cc \ucee4\ubba4\ub2c8\ucf00\uc774\uc158\uc774 \uc27d\uc9c0 \uc54a\uc744 \ub54c \uace0\uac1d\uc740 \ud55c \ubc88\uc5d0 \ub450 \ubc29\ud5a5\uc5d0\uc11c \ubcf4\ud5d8\uc0ac\ub97c \uc804\ud658\ud574\uc57c \ud55c\ub2e4\ub294 \uc555\ubc15\uc744 \ub290\ub08d\ub2c8\ub2e4.\n\uace0\uac1d\uc774 \uc0ac\uc6a9 \ud3b8\uc758\uc131\uc5d0 \ub192\uc740 \uac00\uce58\ub97c \ub454\ub2e4\ub294 \uac83\uc740 \ubcf4\ud5d8\uc0ac\uc758 \uac00\uce58\uc5d0 \ub300\ud55c \uc774\ud574\uac00 \uc218\uc775\uc744 \ub118\uc5b4 \ud655\uc7a5\ub418\uc5b4\uc57c \ud55c\ub2e4\ub294 \uac15\ub825\ud55c \uba54\uc2dc\uc9c0\ub97c \uc804\ub2ec\ud55c\ub2e4\uace0 \ub9c8\ucf00\ud305 \uc790\ub3d9\ud654 \uad00\ub9ac\uc790 \uc778 Brandon Carter<\/a>\ub294 \ub9d0\ud569\ub2c8\ub2e4. <\/p>\n\n

“\uac00\uce58\uac00 \ubc18\ub4dc\uc2dc \ub354 \uc800\ub834\ud55c \uac00\uaca9\uc774\ub098 \ub354 \ub9ce\uc740 \ubb3c\uac74\uc744 \uc758\ubbf8\ud558\uc9c0\ub294 \uc54a\uc2b5\ub2c8\ub2e4. \uc774\ub294 \ub2e8\uc21c\ud788 \uace0\uac1d\uc774 \ubb38\uc81c\ub97c \ud574\uacb0\ud558\uace0 \ubaa9\ud45c\ub97c \ub2ec\uc131\ud560 \uc218 \uc788\ub294 \ub2a5\ub825\uc744 \ud5a5\uc0c1\uc2dc\ud0a4\ub294 \uac83\uc744 \uc758\ubbf8\ud569\ub2c8\ub2e4”\ub77c\uace0 Carter\ub294 \ub9d0\ud569\ub2c8\ub2e4.<\/p>\n\n

\uace0\uac1d\ub4e4\uc740 \ubb38\uc81c\ub97c \ud574\uacb0\ud558\uace0 \ubaa9\ud45c\ub97c \ub2ec\uc131\ud558\ub294 \ub370 \ub3c4\uc6c0\uc744 \uc8fc\uace0 \uc27d\uac8c \ub2ec\uc131\ud560 \uc218 \uc788\ub3c4\ub85d \ub3c4\uc640\uc8fc\ub294 \ubcf4\ud5d8\uc0ac\ub97c \uc18c\uc911\ud788 \uc5ec\uae34\ub2e4\ub294 \uc810\uc744 \ubd84\uba85\ud788 \ud588\uc2b5\ub2c8\ub2e4.\n\ub530\ub77c\uc11c \uc774 \ub450 \uac00\uc9c0 \uc694\uc18c\ub294 \uc6b0\uc218\ud55c \uace0\uac1d \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud558\uace0\uc790 \ud558\ub294 \ubcf4\ud5d8\uc0ac\uc5d0\uac8c \uac15\ub825\ud55c \uc911\uc810 \uc601\uc5ed\uc774 \ub429\ub2c8\ub2e4. <\/p>\n\n

\"\"<\/figure>\n\n

\uace0\uac1d\uc774 \ubcf4\ud5d8 \uad00\uacc4\uc5d0\uc11c \uac00\uce58\ub97c \ucc3e\uc744 \uc218 \uc788\ub3c4\ub85d \uc9c0\uc6d0<\/h2>\n\n

\ub2e4\uc591\ud55c \uc815\ucc45 \uc635\uc158\uc774 \uace0\uac1d\uc758 \uc0b6\uc5d0 \uc5b4\ub5a4 \uc601\ud5a5\uc744 \ubbf8\uce58\ub294\uc9c0 \uc774\ud574\ud558\ub294 \uac83\uc774 \ubcf4\ud5d8 \uace0\uac1d \ub9cc\uc871\ub3c4\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce58\ub294 \uac00\uc7a5 \ud070 \uc694\uc778\uc774\ub77c\uace0 Brown & Joseph\uc758 Mikaela Parrick<\/a> \uc740 \ub9d0\ud569\ub2c8\ub2e4.\n\uace0\uac1d\uc740 \uc790\uc2e0\uc758 \ubcf4\uc7a5\uc774 \uc5b4\ub5a4 \uc774\uc810\uc774 \uc788\ub294\uc9c0 \uc54c\uace0 \uc2f6\uc5b4\ud569\ub2c8\ub2e4. <\/p>\n\n

\ud604\uc7ac \ubcf4\ud5d8 \uc18c\ube44\uc790\uc758 67%(\uc57d 3\uba85 \uc911 2\uba85)\ub9cc\uc774 \ubcf4\ud5d8\uc0ac\uac00 \uc790\uc2e0\uc758 \uc815\ucc45\uc744 \ucca0\uc800\ud788 \uc774\ud574\ud558\ub294 \ub370 \ub3c4\uc6c0\uc744 \uc900\ub2e4\uace0 \ubbff\ub294\ub2e4\uace0 Parrick\uc740 \ub367\ubd99\uc785\ub2c8\ub2e4.\n\uadf8\ub7ec\ub098 \ubcf4\ud5d8 \ud68c\uc0ac\uac00 \uace0\uac1d\uc774 \ubcf4\uc7a5\uc744 \uac1c\uc778 \ud61c\ud0dd\uacfc \uc5f0\uacb0\ud558\ub3c4\ub85d \ub3d5\uae30 \uc704\ud574 \ub178\ub825\uc744 \uae30\uc6b8\uc774\uba74 \uc804\ubc18\uc801\uc778 \uace0\uac1d \ub9cc\uc871\ub3c4 \uc810\uc218\uac00 \ud3c9\uade0 9% \uc99d\uac00\ud569\ub2c8\ub2e4. <\/p>\n\n

\uae30\uc874 \uace0\uac1d\uc5d0\uac8c \uac00\uce58\ub97c \uc804\ub2ec\ud558\ub294 \ubc29\ubc95\uc744 \ubc30\uc6b0\ub294 \uacfc\uc815\uc5d0\uc11c \ubcf4\ud5d8 \ud68c\uc0ac\ub294 \ud574\ub2f9 \uace0\uac1d\uc5d0 \ub300\ud574\uc11c\ub3c4 \ub354 \ub9ce\uc740 \uac83\uc744 \ubc30\uc6b8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\nJ.D. Power\uc758 \uc7ac\uc0b0 \ubc0f \uc0c1\ud574 \ubcf4\ud5d8 \ubd80\uc11c\uc778 David Pieffer<\/a>\ub294 \uc774\ub7ec\ud55c \uc774\ud574\uac00 \ubcf4\ud5d8 \ud68c\uc0ac\uac00 \uae30\uc874 \uace0\uac1d\uc744 \uc720\uc9c0\ud558\uace0 \uc0c8\ub85c\uc6b4 \uace0\uac1d\uc744 \uc720\uce58\ud558\uba70 \uc218\uc775\uc744 \ub192\uc774\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub41c\ub2e4\uace0 \ub9d0\ud569\ub2c8\ub2e4. <\/p>\n\n

“\ubcf4\ud5d8\uc740 \ub300\ubd80\ubd84\uc758 \uace0\uac1d\uc5d0\uac8c ‘\ubc18\ub4dc\uc2dc \uad6c\ub9e4\ud574\uc57c \ud558\ub294’ \uc0c1\ud488\uc774\uae30 \ub54c\ubb38\uc5d0 \uc0c1\ud488\uc744 \uad6c\ub9e4\ud558\ub294 \uc774\uc720\ub294 \uac04\ub2e8\ud569\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \uadf8\ub4e4\uc774 \ud2b9\uc815 \ubcf4\ud5d8 \ud68c\uc0ac\uc758 \uc0c1\ud488\uc744 \uad6c\ub9e4\ud558\ub294 \uc774\uc720\ub294 \uadf8\ub9ac \uba85\ud655\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4”\ub77c\uace0 Pieffer\ub294 \ub9d0\ud569\ub2c8\ub2e4.\n\uace0\uac1d\uc758 \ub9ac\uc2a4\ud06c \ud504\ub85c\ud544\uc744 \ub118\uc5b4 \uace0\uac1d\uc744 \uc774\ud574\ud558\uc9c0 \ubabb\ud558\ub294 \uac83\uc740 \ud604\uc7ac\uc758 \uc694\uad6c\uc5d0 \uc801\uc751\ud558\uace0\uc790 \ud558\ub294 \ubcf4\ud5d8\uc0ac\uc5d0\uac8c \ud070 \uc2e4\uc218\uc785\ub2c8\ub2e4. <\/p>\n\n

\uc634\ub2c8\ucc44\ub110\ub85c \ud06c\uac8c \uc0dd\uac01\ud558\uae30<\/h3>\n\n

\ubcf4\ud5d8\uc758 \uc634\ub2c8\ucc44\ub110\uc740 \ubcf4\ub2e4 \uac04\uc18c\ud654\ub41c \uc11c\ube44\uc2a4\ub97c \uac00\ub2a5\ud558\uac8c \ud558\uc5ec \ubcf4\ud5d8\uc0ac\uc5d0 \uc774\uc810\uc744 \uc81c\uacf5\ud558\uba70, \ubcf4\ud5d8 \ud68c\uc0ac\uc640\uc758 \ub354 \uc26c\uc6b4 \ucee4\ubba4\ub2c8\ucf00\uc774\uc158 \ubc0f \uac70\ub798\uc758 \ud615\ud0dc\ub85c \uace0\uac1d\uc5d0\uac8c \uc774\uc810\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4.<\/p>\n\n

\uadf8\ub7ec\ub098 \uace0\uac1d \uc720\uc9c0\ub97c \uc704\ud55c \uc634\ub2c8\ucc44\ub110\uc758 \uac00\uc7a5 \ud070 \uac00\uce58 \uc911 \ud558\ub098\ub294 \uc634\ub2c8\ucc44\ub110 \ud50c\ub7ab\ud3fc\uc744 \uace0\uac1d \ucc38\uc5ec\ub97c \uc704\ud55c \ub3c4\uad6c\ub85c \ud65c\uc6a9\ud560 \uc218 \uc788\ub294 \ub2a5\ub825\uc785\ub2c8\ub2e4.<\/p>\n\n

“\uac00\uc7a5 \uac15\ub825\ud55c \uc634\ub2c8\ucc44\ub110 \uace0\uac1d \ucc38\uc5ec \uc804\ub7b5\uc744 \uac00\uc9c4 \uae30\uc5c5\uc740 \ud3c9\uade0 89%\uc758 \uace0\uac1d\uc744 \uc720\uc9c0\ud569\ub2c8\ub2e4”\ub77c\uace0 Applied Systems\uc758 Kris Hackney<\/a> \ub294 \ub9d0\ud569\ub2c8\ub2e4.\n\uadf8\ub7ec\ub098 \uc2a4\ud399\ud2b8\ub7fc\uc758 \uc57d\ud55c \ub05d\uc5d0 \uc788\ub294 \uae30\uc5c5\uc740 \ud3c9\uade0\uc801\uc73c\ub85c 33%\uc758 \uace0\uac1d\ub9cc \uc720\uc9c0\ud569\ub2c8\ub2e4. <\/p>\n\n

\uacbd\ud5d8\uc744 \uac1c\uc778\ud654\ud558\uace0 \uace0\uac1d\uc774 \uc120\ud638\ud558\ub294 \ucc44\ub110\uc744 \ud1b5\ud574 \uc5f0\ub77d\ud560 \uc218 \uc788\ub3c4\ub85d \ud568\uc73c\ub85c\uc368 \ubcf4\ud5d8\uc0ac\ub294 \ube45 \ub370\uc774\ud130\uc5d0 \ud22c\uc790\ud558\uc9c0 \uc54a\uace0\ub3c4 \uc6b0\uc218\ud55c \uace0\uac1d \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n

\ubcf4\ud5d8\uc0ac\ub85c\uc11c \ub124\ud2b8\uc6cc\ud06c \uad6c\ucd95<\/h3>\n\n

\ubcf4\ud5d8 \ud68c\uc0ac\ub294 \uace0\uac1d \uad00\uacc4\ub97c \uac1c\uc120\ud558\uae30 \uc704\ud574 \ub514\uc9c0\ud138 \ub124\ud2b8\uc6cc\ud06c\ub97c \uad6c\ucd95\ud558\uae30 \uc704\ud574 \ubd84\uc8fc\ud558\uac8c \uc6c0\uc9c1\uc774\uace0 \uc788\uc2b5\ub2c8\ub2e4.\n\uadf8\ub7ec\ub098 \uc778\uc801 \ub124\ud2b8\uc6cc\ud06c\uc758 \uac00\uce58\ub97c \uacfc\uc18c\ud3c9\uac00\ud574\uc11c\ub294 \uc548 \ub418\uba70, \ud2b9\ud788 \uc624\ub298\ub0a0\uc758 \ud50c\ub7ab\ud3fc\uc774 \ubcf4\ud5d8\uc0ac\uc640 \ud53c\ubcf4\ud5d8\uc790 \uac04\uc758 \uad00\uacc4\uc5d0 \uac00\uce58 \uc788\ub294 \uad00\uc810\uc744 \ub354\ud560 \uc218 \uc788\ub294 \uae30\ud68c\ub97c \uc81c\uacf5\ud560 \ub54c \ub354\uc6b1 \uadf8\ub807\uc2b5\ub2c8\ub2e4. <\/p>\n\n

Apliant\uc758 CEO\uc778 Casey Gustus<\/a>\ub294 \ubcf4\ud5d8 \ub300\ub9ac\uc810\uc744 \ud68c\uc0ac\uc758 \uc804\ubc18\uc801\uc778 \uc0ac\uc77c\ub85c\ud654 \ud574\uc18c\uc5d0 \ud1b5\ud569\ud558\ub294 \uc811\uadfc \ubc29\uc2dd\uc740 \ub2e8\uc21c\ud788 \uae30\uc220\uc744 \uac1c\uc120\ud558\ub294 \uac83\ubcf4\ub2e4 \ub354 \uac15\ub825\ud55c \uc601\ud5a5\uc744 \ubbf8\uce60 \uc218 \uc788\ub2e4\uace0 \ub9d0\ud569\ub2c8\ub2e4.\n\uc5d0\uc774\uc804\ud2b8\ub294 \ubcf4\ud5d8 \uace0\uac1d\uc774 \uc6d0\ud558\ub294 \uc778\uc801 \uac1c\uc778\ud654 \uc218\uc900\uc744 \uc720\uc9c0\ud560 \uc218 \uc788\ub294 \uac00\uc7a5 \uc88b\uc740 \ubc29\ubc95\uc774\uba70, \uace0\uac1d\uc774 \uc9c8\ubb38\uc5d0 \ub300\ud55c \ub2f5\ubcc0\uc744 \uc27d\uac8c \uc5bb\uc744 \uc218 \uc788\ub3c4\ub85d \ud558\uc5ec \uace0\uac1d\uc774 \uc720\uc9c0\ud558\uace0\uc790 \ud558\ub294 \uad00\uacc4\ub97c \uad6c\ucd95\ud569\ub2c8\ub2e4. <\/p>\n\n

\uc804\ud1b5\uc801\uc778 \uad00\uacc4\ub97c \ub118\uc5b4 \ud655\uc7a5\ud558\uba74 \ubcf4\ud5d8 \uace0\uac1d\uc744 \ub04c\uc5b4\ub4e4\uc774\uace0 \uc720\uc9c0\ud558\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.\n\uc608\ub97c \ub4e4\uc5b4, \ubcf4\ud5d8 \ud68c\uc0ac\ub294 \uc7ac\uc815 \uace0\ubb38\uacfc \ud611\ub825\ud558\uc5ec \ubcf4\ud5d8 \ubcf4\uc7a5 \uc9c0\uc6d0\uc744 \uc704\ud574 \uc7ac\ubb34 \uace0\ubb38\uc744 \ucc3e\ub294 \uc7a0\uc7ac\uc801\uc778 P&C \uace0\uac1d\uc5d0\uac8c \ub2e4\uac00\uac08 \uc218 \uc788\ub2e4\uace0 Insurance News Network\uc758 Brian O’Connell<\/a> \uc740 \ub9d0\ud569\ub2c8\ub2e4. <\/p>\n\n

Chubb Personal Risk Services\uc758 \uc601\uc5c5 \ubc0f \uc720\ud1b5 \ub2f4\ub2f9 \ubd80\uc0ac\uc7a5\uc778 Annmarie Camp<\/a>\ub294 \uc7ac\ubb34 \uc0c1\ub2f4\uc0ac\uc758 \ub3c4\uc6c0\uc744 \uad6c\ud558\ub294 \uace0\uac1d\uc758 40%\uac00 \ubcf4\ud5d8 \uac00\uc785\uc5d0\ub3c4 \ub3c4\uc6c0\uc744 \uc8fc\ub294 \uc7ac\ubb34 \uc0c1\ub2f4\uc0ac\ub85c \uc804\ud658\ud558\ub294 \uac83\uc744 \uace0\ub824\ud55c\ub2e4\uace0 \ubc1d\ud614\uc2b5\ub2c8\ub2e4.<\/p>\n\n

\uae30\uc220\uc5d0 \ud798\uc785\uc740 \uc774\uc640 \uac19\uc740 \ud30c\ud2b8\ub108\uc2ed\uc740 \uace0\uac1d\uc774 \uc790\uc2e0\uc758 \uac1c\uc778\uc801\uc778 \uc694\uad6c\uac00 \ucda9\uc871\ub418\uace0 \ud544\uc694\ud55c \ubcf4\ud5d8 \uc9c0\uc6d0\uc744 \uc27d\uac8c \ubc1b\uc744 \uc218 \uc788\ub2e4\uace0 \ub290\ub07c\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4.\n\uc774\ub7ec\ud55c \uc9c0\uc6d0 \uc758\uc2dd\uc740 \uc0c1\ub2f9\ud55c \uac00\uce58\ub97c \uc81c\uacf5\ud558\uace0 \ubcf4\ud5d8\uc0ac\uc640 \uace0\uac1d \uac04\uc758 \uc720\ub300\ub97c \uac15\ud654\ud569\ub2c8\ub2e4. <\/p>\n\n

\uc774\ubbf8\uc9c0 \uc791\uc131\uc790: racorn\/\u00a9123RF.com, julief514\/\u00a9123RF.com, rido\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

\ube44\uc6a9 \ubc0f \uc190\uc2e4 \uc99d\uac00\uc640 \uc528\ub984\ud558\ub294 \ubcf4\ud5d8 \uc5c5\uacc4\uc5d0\uc11c \uace0\uac1d\uc744 \uc720\uce58\ud558\uace0 \uc720\uc9c0\ud558\uae30 \uc704\ud55c \ub178\ub825\uc740 \ud604\uc2e4\uc785\ub2c8\ub2e4. \ub2e4\ud589\ud788\ub3c4 \uc5f0\uad6c\uc5d0 \ub530\ub974\uba74 \uae30\uc874 \uace0\uac1d\uc740 \uc800\ub834\ud55c \uc694\uae08\ubcf4\ub2e4 \uc6b0\uc218\ud55c \uace0\uac1d \uc11c\ube44\uc2a4\uc640 \uc758\ubbf8 \uc788\ub294 \uad00\uacc4\ub97c \ud6e8\uc52c \ub354 \uc911\uc694\ud558\uac8c \uc0dd\uac01\ud569\ub2c8\ub2e4. \uc989, \ubcf4\ud5d8\uc0ac\ub294 \uc774\ubbf8 \ubcf4\uc720\ud558\uace0 \uc788\ub294 \uace0\uac1d \uad00\uacc4\ub97c \uc720\uc9c0\ud558\uae30 \uc704\ud574 \uace0\uac1d \uacbd\ud5d8\uacfc \ucc38\uc5ec\uc5d0 \uc9d1\uc911\ud574\uc57c \ud569\ub2c8\ub2e4. \uac70\ub798\uac00 \uc131\uc0ac\ub41c \ud6c4 \uace0\uac1d\uc774 \ub5a0\ub098\ub294 \uc774\uc720\uc640 \ub354 \uac15\ub825\ud558\uace0 \uc218\uc775\uc131 \uc788\ub294 \uc7a5\uae30\uc801\uc778 […]<\/p>\n","protected":false},"featured_media":5586,"template":"","insight-category":[],"class_list":["post-21304","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/ko\/wp-json\/wp\/v2\/insight\/21304","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\/5586"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/ko\/wp-json\/wp\/v2\/media?parent=21304"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/ko\/wp-json\/wp\/v2\/insight-category?post=21304"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}