{"id":18437,"date":"2024-09-19T17:26:36","date_gmt":"2024-09-19T22:26:36","guid":{"rendered":"https:\/\/bolttech.io\/insight\/phan-ung-voi-dai-dich-cua-chinh-phu-lien-bang-anh-huong-den-bao-hiem-thuong-mai-nhu-the-nao\/"},"modified":"2024-11-19T10:09:37","modified_gmt":"2024-11-19T15:09:37","slug":"phan-ung-voi-dai-dich-cua-chinh-phu-lien-bang-anh-huong-den-bao-hiem-thuong-mai-nhu-the-nao","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/vi\/insights\/phan-ung-voi-dai-dich-cua-chinh-phu-lien-bang-anh-huong-den-bao-hiem-thuong-mai-nhu-the-nao\/","title":{"rendered":"Ph\u1ea3n \u1ee9ng v\u1edbi \u0111\u1ea1i d\u1ecbch c\u1ee7a ch\u00ednh ph\u1ee7 li\u00ean bang \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i nh\u01b0 th\u1ebf n\u00e0o"},"content":{"rendered":"\n

\u0110\u1ea1i d\u1ecbch COVID-19 \u0111\u00e3 khi\u1ebfn c\u00e1c doanh nghi\u1ec7p ph\u1ea3i tranh gi\u00e0nh c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u1ee7a h\u1ecd \u0111\u1ec3 \u0111\u01b0\u1ee3c gi\u00fap \u0111\u1ee1 v\u1edbi c\u00e1c chi ph\u00ed kh\u00e1c nhau, t\u1eeb kinh doanh b\u1ecb m\u1ea5t \u0111\u1ebfn kh\u1eed tr\u00f9ng kh\u00f4ng gian l\u00e0m vi\u1ec7c. C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m, l\u1ea7n l\u01b0\u1ee3t, \u0111ang t\u00ecm ki\u1ebfm nh\u1eefng c\u00e1ch m\u1edbi \u0111\u1ec3 qu\u1ea3n l\u00fd l\u00e0n s\u00f3ng y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng.<\/p>\n\n

C\u00e1c ph\u1ea3n \u1ee9ng kh\u00e1c nhau c\u1ee7a li\u00ean bang \u0111\u1ed1i v\u1edbi \u0111\u1ea1i d\u1ecbch \u0111\u00e3 c\u00f3 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn c\u00e1ch c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m gi\u1ea3i quy\u1ebft v\u1ea5n \u0111\u1ec1 n\u00e0y. Khi nh\u1eefng ph\u1ea3n \u1ee9ng \u0111\u00f3 ti\u1ebfp t\u1ee5c h\u00ecnh th\u00e0nh, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n v\u00e0 th\u01b0\u01a1ng vong theo d\u00f5i c\u00e1c k\u1ebf ho\u1ea1ch v\u00e0 h\u00e0nh \u0111\u1ed9ng c\u1ee7a ch\u00ednh ph\u1ee7 \u0111\u1ec3 gi\u00fap x\u00e2y d\u1ef1ng con \u0111\u01b0\u1eddng \u0111\u00fang \u0111\u1eafn ph\u00eda tr\u01b0\u1edbc cho b\u1ea3o hi\u1ec3m v\u00e0 kh\u00e1ch h\u00e0ng c\u1ee7a m\u00ecnh.<\/p>\n\n

C\u00e1c cu\u1ed9c chi\u1ebfn \u0111ang di\u1ec5n ra v\u1ec1 ph\u1ea1m vi b\u1ea3o hi\u1ec3m li\u00ean quan \u0111\u1ebfn \u0111\u1ea1i d\u1ecbch<\/h2>\n\n

C\u00e1c v\u1ee5 ki\u1ec7n \u0111\u1ea7u ti\u00ean ch\u1ed1ng l\u1ea1i c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00ec kh\u00f4ng cung c\u1ea5p b\u1ea3o hi\u1ec3m kinh doanh \u0111\u00e3 \u0111\u01b0\u1ee3c \u0111\u01b0a ra t\u00f2a \u00e1n Hoa K\u1ef3.<\/p>\n\n

Trong m\u1ed9t tr\u01b0\u1eddng h\u1ee3p, m\u1ed9t nh\u00e0 h\u00e0ng \u1edf New Orleans \u0111\u00e3 \u0111\u1ec7 \u0111\u01a1n ki\u1ec7n<\/a> Lloyd’s of London, th\u1ed1ng \u0111\u1ed1c v\u00e0 bang Louisiana, y\u00eau c\u1ea7u ph\u00e1n quy\u1ebft tuy\u00ean b\u1ed1 r\u1eb1ng b\u1ea3o hi\u1ec3m gi\u00e1n \u0111o\u1ea1n kinh doanh c\u1ee7a nh\u00e0 h\u00e0ng s\u1ebd chi tr\u1ea3 cho c\u00e1c \u0111\u01a1n \u0111\u1eb7t h\u00e0ng li\u00ean quan \u0111\u1ebfn COVID-19 \u0111\u00f3ng c\u1eeda.<\/p>\n\n

V\u1ee5 ki\u1ec7n t\u00ecm ki\u1ebfm m\u1ed9t ph\u00e1n quy\u1ebft tuy\u00ean b\u1ed1 \u0111\u1ec3 ng\u0103n c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m n\u00f3i v\u1edbi c\u00e1c ch\u1ee7 doanh nghi\u1ec7p r\u1eb1ng b\u1ea3o hi\u1ec3m gi\u00e1n \u0111o\u1ea1n kinh doanh kh\u00f4ng gi\u1ea3i quy\u1ebft \u0111\u01b0\u1ee3c vi\u1ec7c \u0111\u00f3ng c\u1eeda do coronavirus g\u00e2y ra, lu\u1eadt s\u01b0 John W. Houghtaling II<\/a>, ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n cho nh\u00e0 h\u00e0ng cho bi\u1ebft.<\/p>\n\n

Tuy nhi\u00ean, ngay c\u1ea3 khi m\u1ed9t ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m kh\u00f4ng lo\u1ea1i tr\u1eeb c\u1ee5 th\u1ec3 c\u00e1c y\u00eau c\u1ea7u li\u00ean quan \u0111\u1ebfn coronavirus, ph\u1ea1m vi b\u1ea3o hi\u1ec3m m\u00e0 nhi\u1ec1u ch\u00ednh s\u00e1ch cung c\u1ea5p “c\u00f3 th\u1ec3 s\u1ebd \u1edf m\u1ee9c t\u1ed1i thi\u1ec3u”, Bill Wilson<\/a>, ng\u01b0\u1eddi s\u00e1ng l\u1eadp v\u00e0 CEO c\u1ee7a InsuranceCommentary.com cho bi\u1ebft.<\/p>\n\n

Wilson vi\u1ebft r\u1eb1ng lu\u1eadt v\u00e0 quy \u0111\u1ecbnh b\u1ea3o hi\u1ec3m hi\u1ec7n h\u00e0nh th\u01b0\u1eddng c\u00e2n nh\u1eafc ch\u1ed1ng l\u1ea1i vi\u1ec7c coi s\u1ef1 hi\u1ec7n di\u1ec7n c\u1ee7a vi-r\u00fat l\u00e0 m\u1ed9t d\u1ea1ng thi\u1ec7t h\u1ea1i v\u1eadt ch\u1ea5t \u0111\u1ed1i v\u1edbi t\u00e0i s\u1ea3n, \u0111\u1eb7c bi\u1ec7t l\u00e0 khi b\u1ea3n th\u00e2n vi-r\u00fat ch\u1ec9 c\u00f3 th\u1ec3 t\u1ed3n t\u1ea1i v\u00e0i ng\u00e0y tr\u00ean h\u1ea7u h\u1ebft c\u00e1c b\u1ec1 m\u1eb7t – nh\u01b0 trong tr\u01b0\u1eddng h\u1ee3p COVID-19. C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u00f4ng th\u1ec3 cung c\u1ea5p b\u1ea3o hi\u1ec3m cho c\u00e1c t\u1ed5n th\u1ea5t v\u1eadt ch\u1ea5t n\u1ebfu kh\u00f4ng c\u00f3 t\u1ed5n th\u1ea5t v\u1eadt ch\u1ea5t \u0111\u1ec3 b\u1ea3o hi\u1ec3m.<\/p>\n\n

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

H\u1ed7 tr\u1ee3 can thi\u1ec7p b\u1ea3o hi\u1ec3m li\u00ean bang cho \u0111\u1ea1i d\u1ecbch<\/h2>\n\n

Tr\u1ecdng t\u00e2m m\u1ed1i quan t\u00e2m c\u1ee7a c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u1ec1 ph\u00f2ng x\u1eed \u00e1n v\u00e0 c\u00e1c cu\u1ed9c chi\u1ebfn l\u1eadp ph\u00e1p \u0111\u1ed1i v\u1edbi b\u1ea3o hi\u1ec3m li\u00ean quan \u0111\u1ebfn \u0111\u1ea1i d\u1ecbch l\u00e0 kh\u1ea3 n\u0103ng thanh to\u00e1n c\u1ee7a ch\u00ednh ng\u00e0nh b\u1ea3o hi\u1ec3m.<\/p>\n\n

Theo Ch\u1ee7 t\u1ecbch ki\u00eam Gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh Hi\u1ec7p h\u1ed9i B\u1ea3o hi\u1ec3m T\u00e0i s\u1ea3n v\u00e0 Th\u01b0\u01a1ng vong Hoa K\u1ef3 David A. Sampson<\/a>, c\u00e1c y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng cho doanh nghi\u1ec7p nh\u1ecf li\u00ean quan \u0111\u1ebfn \u0111\u1ea1i d\u1ecbch c\u00f3 th\u1ec3 khi\u1ebfn ng\u00e0nh b\u1ea3o hi\u1ec3m thi\u1ec7t h\u1ea1i t\u1eeb 220 t\u1ef7 \u0111\u1ebfn 383 t\u1ef7 \u0111\u00f4 la m\u1ed7i th\u00e1ng – m\u1ed9t con s\u1ed1 d\u1ef1 \u0111o\u00e1n c\u00f3 t\u1edbi 30 tri\u1ec7u y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng c\u1ee7a doanh nghi\u1ec7p nh\u1ecf.<\/p>\n\n

\u01af\u1edbc t\u00ednh n\u00e0y v\u01b0\u1ee3t qu\u00e1 k\u1ef7 l\u1ee5c m\u1ed9t n\u0103m c\u1ee7a ng\u00e0nh v\u1ec1 x\u1eed l\u00fd khi\u1ebfu n\u1ea1i, \u0111\u01b0\u1ee3c thi\u1ebft l\u1eadp v\u00e0o n\u0103m 2005. Trong n\u0103m \u0111\u00f3, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n v\u00e0 th\u01b0\u01a1ng vong \u0111\u00e3 x\u1eed l\u00fd h\u01a1n 3 tri\u1ec7u y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng, ch\u1ee7 y\u1ebfu li\u00ean quan \u0111\u1ebfn t\u1ed5n th\u1ea5t t\u1eeb c\u01a1n b\u00e3o Katrina, Rita v\u00e0 Wilma.<\/p>\n\n

Hi\u1ec7n t\u1ea1i, ng\u00e0nh b\u1ea3o hi\u1ec3m P&C c\u1ee7a Hoa K\u1ef3 c\u00f3 th\u1eb7ng d\u01b0 g\u1ed9p t\u1eeb 750 t\u1ef7 \u0111\u1ebfn 800 t\u1ef7 USD; N\u00f3 \u0111\u00e3 chi kho\u1ea3ng 622 t\u1ef7 \u0111\u00f4 la v\u00e0o n\u0103m 2019 cho c\u00e1c y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng v\u00e0 chi ph\u00ed. S\u1ef1 k\u1ebft h\u1ee3p gi\u1eefa c\u00e1c y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng \u0111\u1ea1i d\u1ecbch v\u00e0 m\u1ed9t s\u1ef1 ki\u1ec7n th\u1ea3m kh\u1ed1c kh\u00e1c, ch\u1eb3ng h\u1ea1n nh\u01b0 m\u1ed9t c\u01a1n b\u00e3o l\u1edbn, c\u00f3 th\u1ec3 khi\u1ebfn c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u00f4ng c\u00f3 \u0111\u1ee7 ti\u1ec1n \u0111\u1ec3 tr\u1ea3 c\u00e1c y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng, Steven Weisbart<\/a>, nh\u00e0 kinh t\u1ebf tr\u01b0\u1edfng c\u1ee7a Vi\u1ec7n Th\u00f4ng tin B\u1ea3o hi\u1ec3m cho bi\u1ebft. <\/p>\n\n

“\u0110\u01a1n gi\u1ea3n l\u00e0 kh\u00f4ng th\u1ec3 \u0111a d\u1ea1ng h\u00f3a kh\u1ecfi m\u1ed9t \u0111\u1ea1i d\u1ecbch to\u00e0n c\u1ea7u”, Ray Lehmann<\/a>, th\u00e0nh vi\u00ean s\u00e1ng l\u1eadp v\u00e0 gi\u00e1m \u0111\u1ed1c t\u00e0i ch\u00ednh, b\u1ea3o hi\u1ec3m v\u00e0 ch\u00ednh s\u00e1ch th\u01b0\u01a1ng m\u1ea1i t\u1ea1i Vi\u1ec7n R Street vi\u1ebft.<\/p>\n\n

“H\u1ecd t\u1ea5n c\u00f4ng m\u1ecdi khu v\u1ef1c \u0111\u1ecba l\u00fd c\u00f9ng m\u1ed9t l\u00fac, g\u1ea7n nh\u01b0 m\u1ecdi l\u0129nh v\u1ef1c c\u00f9ng m\u1ed9t l\u00fac. C\u00e1c c\u00f4ng ty t\u00e1i b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 c\u00f3 v\u1ecb tr\u00ed t\u1ed1t h\u01a1n m\u1ed9t ch\u00fat \u0111\u1ec3 qu\u1ea3n l\u00fd r\u1ee7i ro, nh\u01b0ng h\u1ecd c\u0169ng s\u1ebd ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi m\u1ed1i t\u01b0\u01a1ng quan c\u1ef1c \u0111oan c\u1ee7a c\u00e1c khi\u1ebfu n\u1ea1i tr\u00ean kh\u1eafp c\u00e1c khu v\u1ef1c \u0111\u1ecba l\u00fd, c\u0169ng nh\u01b0 tr\u00ean c\u00e1c d\u00f2ng s\u1ea3n ph\u1ea9m.<\/p>\n\n

\u0110\u1ec3 gi\u1ea3i quy\u1ebft v\u1ea5n \u0111\u1ec1 n\u00e0y, Qu\u1ed1c h\u1ed9i \u0111ang xem x\u00e9t m\u1ed9t s\u1ed1 l\u1ef1a ch\u1ecdn l\u1eadp ph\u00e1p.<\/p>\n\n

\u0110\u1ea1o lu\u1eadt B\u1ea3o hi\u1ec3m R\u1ee7i ro \u0110\u1ea1i d\u1ecbch<\/h3>\n\n

\u0110\u1ea1o lu\u1eadt B\u1ea3o hi\u1ec3m R\u1ee7i ro \u0110\u1ea1i d\u1ecbch (PRIA) \u0111\u01b0\u1ee3c \u0111\u1ec1 xu\u1ea5t “s\u1ebd cung c\u1ea5p hi\u1ec7u qu\u1ea3 m\u1ed9t ch\u01b0\u01a1ng tr\u00ecnh chia s\u1ebb t\u1ed5n th\u1ea5t li\u00ean bang cho c\u00e1c y\u00eau c\u1ea7u b\u1ea3o hi\u1ec3m li\u00ean quan \u0111\u1ebfn t\u1ed5n th\u1ea5t do \u0111\u1ea1i d\u1ecbch ho\u1eb7c d\u1ecbch b\u1ec7nh \u0111\u01b0\u1ee3c ch\u1ee9ng nh\u1eadn, nh\u01b0 COVID-19”, Christa L. Dommers v\u00e0 Thomas Michaelides<\/a>, lu\u1eadt s\u01b0 t\u1ea1i Seyfarth vi\u1ebft.<\/p>\n\n

PRIA s\u1ebd y\u00eau c\u1ea7u c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m cung c\u1ea5p b\u1ea3o hi\u1ec3m cho c\u00e1c t\u1ed5n th\u1ea5t trong m\u1ed9t s\u1ed1 ng\u00e0nh nh\u1ea5t \u0111\u1ecbnh khi nh\u1eefng t\u1ed5n th\u1ea5t \u0111\u00f3 li\u00ean quan \u0111\u1ebfn \u0111\u1ea1i d\u1ecbch y t\u1ebf \u0111\u01b0\u1ee3c ch\u1ee9ng nh\u1eadn. N\u1ebfu c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u00e1p \u1ee9ng c\u00e1c y\u00eau c\u1ea7u nh\u1ea5t \u0111\u1ecbnh, ch\u1eb3ng h\u1ea1n nh\u01b0 t\u1ed5n th\u1ea5t v\u01b0\u1ee3t qu\u00e1 m\u1ed9t s\u1ed1 ti\u1ec1n nh\u1ea5t \u0111\u1ecbnh v\u00e0 s\u1ed1 ti\u1ec1n thanh to\u00e1n t\u1ed1i thi\u1ec3u \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n cho nh\u1eefng ng\u01b0\u1eddi y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng \u0111\u1ea1i d\u1ecbch, ch\u00ednh ph\u1ee7 li\u00ean bang s\u1ebd can thi\u1ec7p th\u00f4ng qua ch\u01b0\u01a1ng tr\u00ecnh chia s\u1ebb t\u1ed5n th\u1ea5t.<\/p>\n\n

\u0110\u1ea1o lu\u1eadt n\u00e0y \u0111\u01b0\u1ee3c m\u00f4 ph\u1ecfng theo \u0110\u1ea1o lu\u1eadt B\u1ea3o hi\u1ec3m R\u1ee7i ro Kh\u1ee7ng b\u1ed1 (TRIA), \u0111\u01b0\u1ee3c th\u00f4ng qua sau s\u1ef1 ki\u1ec7n 11\/9, v\u1eeba b\u1eaft bu\u1ed9c b\u1ea3o hi\u1ec3m cho kh\u1ee7ng b\u1ed1 v\u1eeba cung c\u1ea5p h\u1ed7 tr\u1ee3 li\u00ean bang cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u00e1p \u1ee9ng c\u00e1c \u0111i\u1ec1u ki\u1ec7n nh\u1ea5t \u0111\u1ecbnh. Tuy nhi\u00ean, c\u00f3 nh\u1eefng kh\u00e1c bi\u1ec7t ch\u00ednh gi\u1eefa hai. V\u00ed d\u1ee5, “trong khi c\u1ea3 hai nh\u00f3m r\u1ee7i ro \u0111\u1ec1u c\u00f3 tri\u1ec3n v\u1ecdng thi\u1ec7t h\u1ea1i th\u1ea3m kh\u1ed1c v\u00e0 tr\u00e1ch nhi\u1ec7m b\u1ea3o hi\u1ec3m to l\u1edbn, r\u1ee7i ro kh\u1ee7ng b\u1ed1 c\u00f3 th\u1ec3 s\u1ebd l\u1edbn nh\u1ea5t \u1edf c\u00e1c trung t\u00e2m th\u00e0nh ph\u1ed1 to\u00e0n c\u1ea7u”, trong khi \u0111\u1ea1i d\u1ecbch \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn ng\u01b0\u1eddi d\u00e2n v\u00e0 doanh nghi\u1ec7p \u1edf m\u1ecdi n\u01a1i v\u00e0 m\u1ecdi n\u01a1i, Zachary Lerner<\/a>, m\u1ed9t \u0111\u1ed1i t\u00e1c t\u1ea1i c\u00f4ng ty lu\u1eadt Locke Lord cho bi\u1ebft. <\/p>\n\n

N\u1ebfu \u0111\u01b0\u1ee3c th\u00f4ng qua, PRIA c\u00f3 th\u1ec3 s\u1ebd kh\u00f4ng \u00e1p d\u1ee5ng cho c\u00e1c y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng COVID-19. Tuy nhi\u00ean, n\u00f3 s\u1ebd thay \u0111\u1ed5i c\u00e1ch c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m ti\u1ebfp c\u1eadn b\u1ea3o hi\u1ec3m cho c\u00e1c t\u1ed5n th\u1ea5t li\u00ean quan \u0111\u1ebfn \u0111\u1ea1i d\u1ecbch trong t\u01b0\u01a1ng lai.<\/p>\n\n

M\u1ed9t m\u00f4 h\u00ecnh thay th\u1ebf cho s\u1ef1 can thi\u1ec7p c\u1ee7a li\u00ean bang<\/h3>\n\n

Trong khi m\u1ed9t s\u1ed1 ng\u01b0\u1eddi tham gia ng\u00e0nh b\u1ea3o hi\u1ec3m \u0111\u00e3 tham gia so\u1ea1n th\u1ea3o m\u1ed9t phi\u00ean b\u1ea3n \u0111\u1ec1 xu\u1ea5t c\u1ee7a PRIA, nh\u1eefng ng\u01b0\u1eddi kh\u00e1c \u0111ang \u1ee7ng h\u1ed9 c\u00e1ch ti\u1ebfp c\u1eadn b\u1ea3o hi\u1ec3m coronavirus kh\u00e1c v\u1edbi m\u00f4 h\u00ecnh TRIA.<\/p>\n\n

Hi\u1ec7p h\u1ed9i c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u01b0\u01a1ng h\u1ed7 qu\u1ed1c gia (NAMIC) v\u00e0 Hi\u1ec7p h\u1ed9i B\u1ea3o hi\u1ec3m Tai n\u1ea1n T\u00e0i s\u1ea3n Hoa K\u1ef3 (APCIA) \u0111ang nghi\u00ean c\u1ee9u m\u1ed9t \u0111\u1ec1 xu\u1ea5t chung h\u1ed7 tr\u1ee3 vai tr\u00f2 l\u1edbn h\u01a1n c\u1ee7a ch\u00ednh ph\u1ee7 li\u00ean bang trong vi\u1ec7c b\u00f9 \u0111\u1eafp c\u00e1c t\u1ed5n th\u1ea5t do \u0111\u1ea1i d\u1ecbch trong t\u01b0\u01a1ng lai. Theo \u0111\u1ec1 xu\u1ea5t n\u00e0y, ch\u00ednh ph\u1ee7 li\u00ean bang s\u1ebd kh\u00f4ng ch\u1ec9 h\u1ed7 tr\u1ee3 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m trong vi\u1ec7c chi tr\u1ea3 thi\u1ec7t h\u1ea1i do \u0111\u1ea1i d\u1ecbch. Thay v\u00e0o \u0111\u00f3, ch\u00ednh ph\u1ee7 s\u1ebd t\u1ef1 ch\u1ecbu tr\u00e1ch nhi\u1ec7m v\u1ec1 nh\u1eefng t\u1ed5n th\u1ea5t \u0111\u00f3.<\/p>\n\n

“Ch\u00fang t\u00f4i tin r\u1eb1ng c\u1ea7n ph\u1ea3i c\u00f3 m\u1ed9t ch\u01b0\u01a1ng tr\u00ecnh ch\u00ednh ph\u1ee7 ti\u1ec1m n\u0103ng d\u00e0i h\u1ea1n, \u0111\u1ec3 \u0111\u1ea5t n\u01b0\u1edbc kh\u00f4ng r\u01a1i v\u00e0o t\u00ecnh hu\u1ed1ng n\u00e0y m\u1ed9t l\u1ea7n n\u1eefa”, ph\u00f3 ch\u1ee7 t\u1ecbch c\u1ea5p cao v\u1ec1 c\u00e1c v\u1ea5n \u0111\u1ec1 ch\u00ednh ph\u1ee7 c\u1ee7a NAMIC Jimi Grande<\/a> n\u00f3i. Grande l\u01b0u \u00fd r\u1eb1ng s\u1ef1 kh\u00e1c bi\u1ec7t ch\u00ednh gi\u1eefa \u0111\u1ea1i d\u1ecbch v\u00e0 c\u00e1c cu\u1ed9c t\u1ea5n c\u00f4ng kh\u1ee7ng b\u1ed1, nh\u01b0 v\u1ecb tr\u00ed \u0111\u1ecba l\u00fd v\u00e0 th\u1eddi gian, \u0111\u00f2i h\u1ecfi m\u1ed9t c\u00e1ch ti\u1ebfp c\u1eadn ri\u00eang bi\u1ec7t cho m\u1ed7i lo\u1ea1i.<\/p>\n\n

Trong khi c\u00e1c chi ti\u1ebft v\u1eabn c\u00f2n \u0111\u01b0\u1ee3c nh\u00ecn th\u1ea5y, s\u1ef1 can thi\u1ec7p c\u1ee7a li\u00ean bang v\u00e0o c\u00e1c y\u00eau c\u1ea7u b\u1ea3o hi\u1ec3m P&C li\u00ean quan \u0111\u1ebfn COVID-19 c\u00f3 th\u1ec3 s\u1ebd x\u1ea3y ra. Gi\u1eefa m\u1ed1i \u0111e d\u1ecda \u0111\u1ed1i v\u1edbi c\u00e1c ngu\u1ed3n l\u1ef1c c\u1ee7a ng\u00e0nh b\u1ea3o hi\u1ec3m v\u00e0 nh\u1eefng t\u00e1c \u0111\u1ed9ng \u0111\u1ed9c \u0111\u00e1o c\u1ee7a \u0111\u1ea1i d\u1ecbch, m\u1ed9t s\u1ed1 h\u1ed7 tr\u1ee3 c\u1ee7a ch\u00ednh ph\u1ee7 c\u00f3 th\u1ec3 s\u1ebd c\u1ea7n thi\u1ebft \u0111\u1ec3 b\u1ea3o v\u1ec7 c\u1ea3 c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 doanh nghi\u1ec7p m\u00e0 h\u1ecd b\u1ea3o hi\u1ec3m.<\/p>\n\n

“C\u00e1c \u0111\u1ee3t b\u00f9ng ph\u00e1t \u0111\u1ea1i d\u1ecbch kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m v\u00ec ch\u00fang kh\u00f4ng th\u1ec3 b\u1ea3o hi\u1ec3m”, Gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh APCIA David A. Sampson<\/a> n\u00f3i. Khi c\u00e1c s\u1ef1 ki\u1ec7n kh\u00f4ng th\u1ec3 b\u1ea3o hi\u1ec3m, tr\u00e1ch nhi\u1ec7m c\u00f3 xu h\u01b0\u1edbng r\u01a1i v\u00e0o ch\u00ednh ph\u1ee7 \u0111\u1ec3 duy tr\u00ec kh\u1ebf \u01b0\u1edbc x\u00e3 h\u1ed9i.<\/p>\n\n

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

Nh\u1eefng l\u01b0u \u00fd ch\u00ednh \u0111\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i<\/h2>\n\n

C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i nh\u1ecf ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi c\u1ea3 nh\u1eefng c\u00e2n nh\u1eafc d\u00e0i h\u1ea1n v\u00e0 ng\u1eafn h\u1ea1n khi \u0111\u1ed1i ph\u00f3 v\u1edbi \u0111\u1ea1i d\u1ecbch v\u00e0 \u1ea3nh h\u01b0\u1edfng c\u1ee7a n\u00f3. Ch\u00fang kh\u00f4ng ch\u1ec9 bao g\u1ed3m nh\u1eadn th\u1ee9c v\u1ec1 lu\u1eadt ph\u00e1p c\u00f3 th\u1ec3 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn c\u00e1c \u0111\u1ea1i d\u1ecbch trong t\u01b0\u01a1ng lai m\u00e0 c\u00f2n c\u1ea3 lu\u1eadt ph\u00e1p \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn \u0111\u1ea1i d\u1ecbch hi\u1ec7n t\u1ea1i, c\u0169ng nh\u01b0 t\u00ecnh tr\u1ea1ng c\u1ee7a c\u00e1c doanh nghi\u1ec7p nh\u1ecf v\u00e0 t\u00e1c \u0111\u1ed9ng c\u1ee7a ch\u00fang \u0111\u1ed1i v\u1edbi s\u1ee9c kh\u1ecfe kinh t\u1ebf v\u00e0 c\u1ed9ng \u0111\u1ed3ng.<\/p>\n\n

B\u1ed3i th\u01b0\u1eddng cho ng\u01b0\u1eddi lao \u0111\u1ed9ng v\u00e0 COVID-19<\/h3>\n\n

V\u00e0o th\u00e1ng 5 n\u0103m 2020, m\u1ed9t nh\u00f3m c\u00e1c nh\u00e0 l\u1eadp ph\u00e1p l\u01b0\u1ee1ng \u0111\u1ea3ng \u0111\u00e3 c\u00f4ng b\u1ed1 m\u1ed9t d\u1ef1 lu\u1eadt s\u1ebd cung c\u1ea5p b\u1ea3o hi\u1ec3m b\u1ed3i th\u01b0\u1eddng cho ng\u01b0\u1eddi lao \u0111\u1ed9ng cho nh\u1eefng ng\u01b0\u1eddi lao \u0111\u1ed9ng thi\u1ebft y\u1ebfu \u0111\u00e3 nhi\u1ec5m COVID-19 trong \u0111\u1ea1i d\u1ecbch v\u00e0 cho gia \u0111\u00ecnh c\u1ee7a nh\u1eefng ng\u01b0\u1eddi lao \u0111\u1ed9ng thi\u1ebft y\u1ebfu \u0111\u00e3 m\u1ea5t m\u1ea1ng.<\/p>\n\n

D\u1ef1 lu\u1eadt, \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 \u0110\u1ea1o lu\u1eadt B\u1ed3i th\u01b0\u1eddng Anh h\u00f9ng \u0110\u1ea1i d\u1ecbch, \u0111\u01b0\u1ee3c m\u00f4 ph\u1ecfng theo m\u1ed9t d\u1ef1 lu\u1eadt t\u01b0\u01a1ng t\u1ef1 nh\u1eb1m b\u1ed3i th\u01b0\u1eddng cho nh\u1eefng ng\u01b0\u1eddi ph\u1ea3n \u1ee9ng v\u1edbi hi\u1ec7n tr\u01b0\u1eddng v\u1ee5 t\u1ea5n c\u00f4ng 9\/11, theo m\u1ed9t th\u00f4ng c\u00e1o b\u00e1o ch\u00ed<\/a> t\u1eeb \u0110\u1ea1i di\u1ec7n Hoa K\u1ef3 Carolyn B. Maloney (D-NY). \u0110\u1ea1o lu\u1eadt \u0111\u01b0\u1ee3c \u0111\u1ec1 xu\u1ea5t t\u1ea1o ra m\u1ed9t quy tr\u00ecnh n\u1ed9p \u0111\u01a1n h\u1ee3p l\u00fd v\u00e0 t\u00e0i tr\u1ee3 cho nh\u1eefng ng\u01b0\u1eddi lao \u0111\u1ed9ng thi\u1ebft y\u1ebfu v\u00e0 gia \u0111\u00ecnh c\u1ee7a h\u1ecd trong t\u1ed1i \u0111a n\u0103m n\u0103m, Susanne Sclafane<\/a> vi\u1ebft trong T\u1ea1p ch\u00ed Y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng.<\/p>\n\n

Virus corona ch\u1ee7ng m\u1edbi \u0111\u1eb7t ra m\u1ed9t th\u00e1ch th\u1ee9c m\u1edbi \u0111\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m b\u1ed3i th\u01b0\u1eddng cho ng\u01b0\u1eddi lao \u0111\u1ed9ng. C\u00e1ch ly giao ti\u1ebfp x\u00e3 h\u1ed9i v\u00e0 l\u1ec7nh \u1edf nh\u00e0 \u0111\u00e3 h\u1ea1n ch\u1ebf \u0111\u00e1ng k\u1ec3 c\u00e1c t\u00ecnh hu\u1ed1ng kh\u00f4ng l\u00e0m vi\u1ec7c trong \u0111\u00f3 nh\u1eefng ng\u01b0\u1eddi lao \u0111\u1ed9ng thi\u1ebft y\u1ebfu c\u00f3 th\u1ec3 nhi\u1ec5m coronavirus. Khi c\u00f4ng nh\u00e2n b\u1ecb \u1ed1m, l\u1eadp lu\u1eadn r\u1eb1ng h\u1ecd \u0111\u00e3 b\u1ecb b\u1ec7nh nh\u01b0 m\u1ed9t ph\u1ea7n c\u1ee7a vi\u1ec7c th\u1ef1c hi\u1ec7n nhi\u1ec7m v\u1ee5 c\u00f4ng vi\u1ec7c c\u1ee7a h\u1ecd – v\u00e0 do \u0111\u00f3 \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 \u0111\u01b0\u1ee3c b\u1ed3i th\u01b0\u1eddng cho ng\u01b0\u1eddi lao \u0111\u1ed9ng – l\u00e0 m\u1ed9t l\u1eadp lu\u1eadn m\u1ea1nh m\u1ebd, Jennifer Wolf<\/a>, gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh c\u1ee7a Hi\u1ec7p h\u1ed9i \u1ee6y ban v\u00e0 \u1ee6y ban Tai n\u1ea1n C\u00f4ng nghi\u1ec7p Qu\u1ed1c t\u1ebf cho bi\u1ebft. <\/p>\n\n

M\u1ed9t s\u1ed1 ti\u1ec3u bang \u0111\u00e3 th\u00f4ng qua lu\u1eadt ho\u1eb7c l\u1ec7nh h\u00e0nh ph\u00e1p y\u00eau c\u1ea7u c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m b\u1ed3i th\u01b0\u1eddng cho ng\u01b0\u1eddi lao \u0111\u1ed9ng thanh to\u00e1n m\u1ed9t s\u1ed1 y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng nh\u1ea5t \u0111\u1ecbnh li\u00ean quan \u0111\u1ebfn COVID-19. M\u1ed9t qu\u1ef9 li\u00ean bang ho\u1eb7c backstop cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m n\u00e0y c\u00f3 th\u1ec3 cung c\u1ea5p c\u1ee9u tr\u1ee3 c\u1ea7n thi\u1ebft trong th\u1eddi \u0111i\u1ec3m kh\u00f3 kh\u0103n, cho c\u1ea3 c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 cho nh\u1eefng ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m.<\/p>\n\n

B\u1ea3o hi\u1ec3m doanh nghi\u1ec7p nh\u1ecf \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn kinh t\u1ebf, s\u1ee9c kh\u1ecfe c\u1ed9ng \u0111\u1ed3ng<\/h3>\n\n

M\u1ed9t trong nh\u1eefng m\u1ed1i quan t\u00e2m l\u1edbn nh\u1ea5t \u0111\u1ed1i v\u1edbi c\u00e1c doanh nghi\u1ec7p, c\u1ed9ng \u0111\u1ed3ng v\u00e0 n\u1ec1n kinh t\u1ebf l\u00e0 s\u1ed1 l\u01b0\u1ee3ng doanh nghi\u1ec7p nh\u1ecf kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m. Vi\u1ec7n Th\u00f4ng tin B\u1ea3o hi\u1ec3m \u01b0\u1edbc t\u00ednh<\/a> r\u1eb1ng kho\u1ea3ng 40 ph\u1ea7n tr\u0103m c\u00e1c doanh nghi\u1ec7p nh\u1ecf c\u00f3 b\u1ea3o hi\u1ec3m gi\u00e1n \u0111o\u1ea1n kinh doanh, c\u00f3 ngh\u0129a l\u00e0 h\u01a1n m\u1ed9t n\u1eeda kh\u00f4ng. <\/p>\n\n

C\u00e1c doanh nghi\u1ec7p c\u00f3 b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 g\u1eb7p kh\u00f3 kh\u0103n trong vi\u1ec7c c\u00f3 \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m c\u1ea7n thi\u1ebft \u0111\u1ec3 gi\u1ea3i quy\u1ebft c\u00e1c t\u1ed5n th\u1ea5t kinh doanh, kh\u1eed tr\u00f9ng n\u01a1i l\u00e0m vi\u1ec7c v\u00e0 kh\u00f4ng gian c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 chu\u1ea9n b\u1ecb cho vi\u1ec7c m\u1edf c\u1eeda tr\u1edf l\u1ea1i an to\u00e0n. Tuy nhi\u00ean, nh\u1eefng ng\u01b0\u1eddi kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m th\u1eadm ch\u00ed c\u00f2n c\u00f3 nhi\u1ec1u kh\u1ea3 n\u0103ng ph\u00e1 s\u1ea3n h\u01a1n, t\u1ea1o ra t\u00e1c \u0111\u1ed9ng g\u1ee3n s\u00f3ng \u0111\u1ebfn c\u1ed9ng \u0111\u1ed3ng v\u00e0 n\u1ec1n kinh t\u1ebf c\u1ee7a h\u1ecd. C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m ti\u1ebfp c\u1eadn v\u1edbi c\u00e1c doanh nghi\u1ec7p nh\u1ecf \u0111ang g\u1eb7p kh\u00f3 kh\u0103n v\u1edbi gi\u00e1o d\u1ee5c v\u00e0 t\u01b0 v\u1ea5n c\u00f3 th\u1ec3 x\u00e2y d\u1ef1ng l\u00f2ng trung th\u00e0nh l\u1edbn h\u01a1n v\u00e0 gi\u00fap \u1ed5n \u0111\u1ecbnh n\u1ec1n kinh t\u1ebf \u0111\u1ecba ph\u01b0\u01a1ng.<\/p>\n\n

Virus corona ch\u1ee7ng m\u1edbi c\u00f3 th\u1ec3 s\u1ebd l\u00e0 m\u1ed1i quan t\u00e2m trong nhi\u1ec1u th\u00e1ng ho\u1eb7c th\u1eadm ch\u00ed nhi\u1ec1u n\u0103m t\u1edbi. Do \u0111\u00f3, c\u1ea3 ch\u00ednh ph\u1ee7 li\u00ean bang v\u00e0 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd c\u1ea7n ph\u1ea3i t\u00ednh \u0111\u1ebfn virus v\u00e0 \u1ea3nh h\u01b0\u1edfng c\u1ee7a n\u00f3 trong k\u1ebf ho\u1ea1ch t\u01b0\u01a1ng lai c\u1ee7a h\u1ecd. S\u1ef1 k\u1ebft h\u1ee3p gi\u1eefa lu\u1eadt ph\u00e1p, thay \u0111\u1ed5i quy \u0111\u1ecbnh c\u1ee7a ch\u00ednh ph\u1ee7 v\u00e0 c\u00f4ng vi\u1ec7c c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 s\u1ebd c\u1ea7n thi\u1ebft \u0111\u1ec3 \u1ed5n \u0111\u1ecbnh b\u1ea3o hi\u1ec3m v\u00e0 cho ph\u00e9p c\u00e1c doanh nghi\u1ec7p x\u1eed l\u00fd c\u00e1c t\u1ed5n th\u1ea5t li\u00ean quan \u0111\u1ebfn \u0111\u1ea1i d\u1ecbch m\u1ed9t c\u00e1ch hi\u1ec7u qu\u1ea3.<\/p>\n\n

H\u00ecnh \u1ea3nh b\u1edfi: mkphotoshu\/\u00a9123RF.com, Dan Grytsku\/\u00a9123RF.com, golffywatt\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

\u0110\u1ea1i d\u1ecbch COVID-19 \u0111\u00e3 khi\u1ebfn c\u00e1c doanh nghi\u1ec7p ph\u1ea3i tranh gi\u00e0nh c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u1ee7a h\u1ecd \u0111\u1ec3 \u0111\u01b0\u1ee3c gi\u00fap \u0111\u1ee1 v\u1edbi c\u00e1c chi ph\u00ed kh\u00e1c nhau, t\u1eeb kinh doanh b\u1ecb m\u1ea5t \u0111\u1ebfn kh\u1eed tr\u00f9ng kh\u00f4ng gian l\u00e0m vi\u1ec7c. C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m, l\u1ea7n l\u01b0\u1ee3t, \u0111ang t\u00ecm ki\u1ebfm nh\u1eefng c\u00e1ch m\u1edbi \u0111\u1ec3 qu\u1ea3n […]<\/p>\n","protected":false},"featured_media":8581,"template":"","insight-category":[],"class_list":["post-18437","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight\/18437","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight"}],"about":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/types\/insight"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/media\/8581"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/media?parent=18437"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight-category?post=18437"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}