{"id":19771,"date":"2024-09-20T13:06:45","date_gmt":"2024-09-20T18:06:45","guid":{"rendered":"https:\/\/bolttech.io\/insights\/bao-hiem-thuong-mai-covid-19-co-quan-lap-phap-dung-o-dau\/"},"modified":"2024-09-20T13:06:50","modified_gmt":"2024-09-20T18:06:50","slug":"bao-hiem-thuong-mai-covid-19-co-quan-lap-phap-dung-o-dau","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/vi\/insights\/bao-hiem-thuong-mai-covid-19-co-quan-lap-phap-dung-o-dau\/","title":{"rendered":"B\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i COVID-19: C\u01a1 quan l\u1eadp ph\u00e1p \u0111\u1ee9ng \u1edf \u0111\u00e2u?"},"content":{"rendered":"\n<p>Nh\u1eefng n\u1ed7 l\u1ef1c ban \u0111\u1ea7u \u0111\u1ec3 gi\u1ea3i quy\u1ebft cu\u1ed9c kh\u1ee7ng ho\u1ea3ng COVID-19 \u0111\u00e3 d\u1eabn \u0111\u1ebfn s\u1ef1 ch\u1eafp v\u00e1 c\u1ee7a c\u00e1c quy\u1ebft \u0111\u1ecbnh l\u1eadp ph\u00e1p ti\u1ec3u bang.\nBao g\u1ed3m trong nh\u1eefng n\u1ed7 l\u1ef1c n\u00e0y l\u00e0 nh\u1eefng n\u1ed7 l\u1ef1c gi\u1ea3i quy\u1ebft b\u1ea3o hi\u1ec3m gi\u00e1n \u0111o\u1ea1n kinh doanh cho c\u00e1c doanh nghi\u1ec7p bu\u1ed9c ph\u1ea3i \u0111\u00f3ng c\u1eeda do \u0111\u1ea1i d\u1ecbch, c\u00e1c bi\u1ec7n ph\u00e1p y t\u1ebf c\u00f4ng c\u1ed9ng ho\u1eb7c c\u1ea3 hai. <\/p>\n\n<p>B\u1edfi v\u00ec nhi\u1ec1u n\u1ed7 l\u1ef1c trong s\u1ed1 n\u00e0y \u0111\u00e3 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n \u1edf c\u1ea5p ti\u1ec3u bang, m\u1ed7i ng\u01b0\u1eddi \u0111\u00e3 th\u1ef1c hi\u1ec7n m\u1ed9t c\u00e1ch ti\u1ebfp c\u1eadn h\u01a1i kh\u00e1c nhau v\u00e0 c\u00f3 k\u1ebft qu\u1ea3 kh\u00e1c nhau.\nKhi xung \u0111\u1ed9t gi\u1eefa c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m chuy\u1ec3n sang t\u00f2a \u00e1n, ph\u1ea1m vi k\u1ebft qu\u1ea3 ti\u1ebfp t\u1ee5c \u0111a d\u1ea1ng h\u00f3a. <\/p>\n\n<p>Khi n\u0103m 2020 k\u1ebft th\u00fac, c\u00e1c quy t\u1eafc v\u1ec1 b\u1ea3o hi\u1ec3m gi\u00e1n \u0111o\u1ea1n kinh doanh c\u1ee7a COVID-19 kh\u00e1c nhau gi\u1eefa c\u00e1c ti\u1ec3u bang.\nNhi\u1ec1u c\u00f4ng ty \u0111ang \u0111\u01b0\u1ee3c ph\u00e1t tri\u1ec3n, th\u00e1ch th\u1ee9c c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111i\u1ec1u h\u01b0\u1edbng m\u1ed9t quy t\u1eafc ch\u1eafp v\u00e1 ph\u1ee9c t\u1ea1p v\u00e0 thay \u0111\u1ed5i trong m\u1ed9t th\u1eddi gian t\u1edbi. <\/p>\n\n<h2 class=\"wp-block-heading\">B\u1ea3o hi\u1ec3m gi\u00e1n \u0111o\u1ea1n kinh doanh cho COVID-19: V\u1ecb tr\u00ed c\u1ee7a c\u00e1c c\u01a1 quan l\u1eadp ph\u00e1p<\/h2>\n\n<p>Cho \u0111\u1ebfn nay, 10 c\u01a1 quan l\u1eadp ph\u00e1p ti\u1ec3u bang Hoa K\u1ef3 v\u00e0 Qu\u1eadn Columbia \u0111ang xem x\u00e9t c\u00e1c d\u1ef1 lu\u1eadt y\u00eau c\u1ea7u m\u1ed9t s\u1ed1 ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m gi\u00e1n \u0111o\u1ea1n kinh doanh nh\u1ea5t \u0111\u1ecbnh \u0111\u1ec3 chi tr\u1ea3 cho c\u00e1c khi\u1ebfu n\u1ea1i c\u1ee7a doanh nghi\u1ec7p nh\u1ecf li\u00ean quan \u0111\u1ebfn COVID-19.<\/p>\n\n<h3 class=\"wp-block-heading\">Ph\u1ea3n \u1ee9ng l\u1eadp ph\u00e1p c\u1ee7a ti\u1ec3u bang \u0111\u1ed1i v\u1edbi COVID-19<\/h3>\n\n<p>M\u1ed7i d\u1ef1 lu\u1eadt kh\u00e1c nhau v\u1ec1 c\u00e1ch gi\u1ea3i quy\u1ebft v\u1ea5n \u0111\u1ec1.\nTuy nhi\u00ean, h\u1ea7u h\u1ebft c\u00e1c d\u1ef1 lu\u1eadt \u0111\u1ec1u bao g\u1ed3m m\u1ed9t s\u1ed1 \u0111i\u1ec3m ch\u00ednh. <\/p>\n\n<p>\u0110\u1ea7u ti\u00ean, h\u1ea7u h\u1ebft c\u00e1c lu\u1eadt b\u1ea3o hi\u1ec3m gi\u00e1n \u0111o\u1ea1n kinh doanh \u0111\u1ec1u gi\u1edbi h\u1ea1n ng\u01b0\u1eddi s\u1eed d\u1ee5ng lao \u0111\u1ed9ng m\u00e0 b\u1ea3o hi\u1ec3m s\u1ebd \u00e1p d\u1ee5ng, <a href=\"https:\/\/www.venable.com\/insights\/publications\/2020\/04\/states-begin-to-introduce-legislation-business\" target=\"_blank\" rel=\"noreferrer noopener\">Jessie F. Beeber<\/a> v\u00e0 c\u00e1c t\u00e1c gi\u1ea3 \u0111\u1ed3ng nghi\u1ec7p t\u1ea1i Venable vi\u1ebft.\nC\u00e1c gi\u1edbi h\u1ea1n n\u00e0y d\u1ef1a tr\u00ean s\u1ed1 l\u01b0\u1ee3ng nh\u00e2n vi\u00ean.\nV\u00ed d\u1ee5, c\u00e1c h\u00f3a \u0111\u01a1n \u1edf Louisiana, New Jersey, Michigan v\u00e0 Ohio ch\u1ec9 \u00e1p d\u1ee5ng cho nh\u1eefng ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m c\u00f3 \u00edt h\u01a1n 100 nh\u00e2n vi\u00ean to\u00e0n th\u1eddi gian.\nGi\u1edbi h\u1ea1n \u0111\u01b0\u1ee3c \u0111\u1eb7t \u1edf m\u1ee9c 150 nh\u00e2n vi\u00ean to\u00e0n th\u1eddi gian trong c\u00e1c h\u00f3a \u0111\u01a1n Massachusetts, South Carolina v\u00e0 Rhode Island, trong khi New York gi\u1edbi h\u1ea1n con s\u1ed1 \u1edf m\u1ee9c 250.   <\/p>\n\n<p>Ngo\u00e0i ra, m\u1ed9t s\u1ed1 d\u1ef1 lu\u1eadt t\u00ecm c\u00e1ch \u00e1p d\u1ee5ng b\u1ea3o hi\u1ec3m h\u1ed3i t\u1ed1, th\u01b0\u1eddng l\u00e0 v\u00e0o m\u1ed9t ng\u00e0y v\u00e0o \u0111\u1ea7u ho\u1eb7c gi\u1eefa th\u00e1ng 3 n\u0103m 2020.\nB\u1ea3y ti\u1ec3u bang \u0111\u00e3 gi\u1edbi thi\u1ec7u c\u00e1c d\u1ef1 lu\u1eadt v\u00e0o th\u00e1ng 3 v\u00e0 th\u00e1ng 4 n\u0103m 2020 y\u00eau c\u1ea7u c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m chi tr\u1ea3 c\u00e1c y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng gi\u00e1n \u0111o\u1ea1n kinh doanh li\u00ean quan \u0111\u1ebfn \u0111\u1ea1i d\u1ecbch h\u1ed3i t\u1ed1, <a href=\"https:\/\/www.natlawreview.com\/article\/covid-19-states-attempt-to-shift-economic-burden-to-insurance-industry-new\" target=\"_blank\" rel=\"noreferrer noopener\">Jasmine Dela Luna, Everett J. Cygal, David Pi v\u00e0 Daniel J. Schufreider<\/a> vi\u1ebft cho c\u00f4ng ty lu\u1eadt Schiff Hardin. <\/p>\n\n<p>M\u1ed9t s\u1ed1 \u00edt c\u00e1c d\u1ef1 lu\u1eadt hi\u1ec7n \u0111ang \u0111\u01b0\u1ee3c xem x\u00e9t cung c\u1ea5p b\u1ea5t k\u1ef3 lo\u1ea1i t\u00e0i tr\u1ee3 b\u1ed5 sung n\u00e0o cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m ho\u1eb7c ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m, <a href=\"https:\/\/www.jdsupra.com\/legalnews\/proposed-legislation-related-to-63951\/\" target=\"_blank\" rel=\"noreferrer noopener\">Marlyn Fagelson v\u00e0 Rachel Snow Kindseth<\/a>, \u0111\u1ed1i t\u00e1c t\u1ea1i c\u00f4ng ty lu\u1eadt Murtha Cullina vi\u1ebft.\nC\u01a1 quan l\u1eadp ph\u00e1p c\u1ee7a Pennsylvania \u0111\u00e3 gi\u1edbi thi\u1ec7u m\u1ed9t d\u1ef1 lu\u1eadt ri\u00eang cung c\u1ea5p c\u00e1c kho\u1ea3n t\u00e0i tr\u1ee3 tr\u1ef1c ti\u1ebfp cho nh\u1eefng doanh nghi\u1ec7p kh\u00f4ng \u00e1p d\u1ee5ng b\u1ea3o hi\u1ec3m gi\u00e1n \u0111o\u1ea1n kinh doanh.\nT\u01b0\u01a1ng t\u1ef1 nh\u01b0 v\u1eady, ch\u1ec9 m\u1ed9t s\u1ed1 \u00edt c\u00e1c d\u1ef1 lu\u1eadt \u0111\u01b0\u1ee3c gi\u1edbi thi\u1ec7u gi\u1ea3i quy\u1ebft y\u00eau c\u1ea7u thi\u1ec7t h\u1ea1i v\u1eadt ch\u1ea5t \u0111\u1ed1i v\u1edbi b\u1ea3o hi\u1ec3m gi\u00e1n \u0111o\u1ea1n kinh doanh.\n\u1ede Massachusetts, New York v\u00e0 Nam Carolina, lu\u1eadt \u0111\u01b0\u1ee3c \u0111\u1ec1 xu\u1ea5t s\u1ebd c\u1ea5m c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u1eeb ch\u1ed1i y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng v\u1edbi l\u00fd do \u0111\u1ea1i d\u1ecbch kh\u00f4ng g\u00e2y thi\u1ec7t h\u1ea1i v\u1eadt ch\u1ea5t cho t\u00e0i s\u1ea3n c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m.   <\/p>\n\n<h3 class=\"wp-block-heading\">C\u00e1c bi\u1ec7n ph\u00e1p li\u00ean bang \u0111\u1ec3 gi\u1ea3i quy\u1ebft b\u1ea3o hi\u1ec3m gi\u00e1n \u0111o\u1ea1n kinh doanh<\/h3>\n\n<p>Qu\u1ed1c h\u1ed9i c\u0169ng \u0111\u00e3 th\u1ef1c hi\u1ec7n c\u00e1c b\u01b0\u1edbc \u0111\u1ec3 gi\u1ea3i quy\u1ebft c\u00e1c lu\u1eadt v\u00e0 d\u1ef1 lu\u1eadt v\u1ec1 gi\u00e1n \u0111o\u1ea1n kinh doanh do COVID-19 ch\u1eafp v\u00e1.\nM\u1ed9t <a href=\"https:\/\/crsreports.congress.gov\/product\/pdf\/IN\/IN11383\" target=\"_blank\" rel=\"noreferrer noopener\">b\u00e1o c\u00e1o<\/a> c\u1ee7a D\u1ecbch v\u1ee5 Nghi\u00ean c\u1ee9u Qu\u1ed1c h\u1ed9i li\u1ec7t k\u00ea hai d\u1ef1 lu\u1eadt trong Qu\u1ed1c h\u1ed9i kh\u00f3a 116 nh\u1eb1m t\u00ecm c\u00e1ch m\u1edf r\u1ed9ng ph\u1ea1m vi b\u1ea3o hi\u1ec3m gi\u00e1n \u0111o\u1ea1n kinh doanh v\u00e0 y\u00eau c\u1ea7u c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m cung c\u1ea5p b\u1ea3o hi\u1ec3m t\u00f9y ch\u1ecdn cho c\u00e1c s\u1ef1 ki\u1ec7n nh\u01b0 \u0111\u1ea1i d\u1ecbch COVID-19 trong t\u01b0\u01a1ng lai. <\/p>\n\n<p>HR 6494 ch\u1ee9a c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u00f3 th\u1ec3 \u00e1p d\u1ee5ng kh\u00f4ng ch\u1ec9 cho \u0111\u1ea1i d\u1ecbch, m\u00e0 c\u00f2n cho c\u00e1c gi\u00e1n \u0111o\u1ea1n kinh doanh li\u00ean quan \u0111\u1ebfn ch\u00e1y r\u1eebng kh\u00f4ng g\u00e2y thi\u1ec7t h\u1ea1i cho ch\u00ednh doanh nghi\u1ec7p.\nD\u1ef1 lu\u1eadt s\u1ebd y\u00eau c\u1ea7u c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m cung c\u1ea5p b\u1ea3o hi\u1ec3m gi\u00e1n \u0111o\u1ea1n kinh doanh cung c\u1ea5p b\u1ea3o hi\u1ec3m nh\u01b0 v\u1eady cho nh\u1eefng t\u1ed5n th\u1ea5t do \u0111\u1ea1i d\u1ecbch virus, bu\u1ed9c ph\u1ea3i \u0111\u00f3ng c\u1eeda doanh nghi\u1ec7p, s\u01a1 t\u00e1n b\u1eaft bu\u1ed9c v\u00e0 c\u1eaft \u0111i\u1ec7n v\u00ec m\u1ee5c \u0111\u00edch an to\u00e0n c\u00f4ng c\u1ed9ng, <a href=\"https:\/\/www.nortonrosefulbright.com\/en\/knowledge\/publications\/c1f4ba93\/us-a-state-by-state-federal-guide-to-covid-19\" target=\"_blank\" rel=\"noreferrer noopener\">Allison Goodman Gold, Joy Langford v\u00e0 Michael C. Steindorf<\/a> t\u1ea1i c\u00f4ng ty lu\u1eadt Norton Rose Fulbright vi\u1ebft. <\/p>\n\n<figure class=\"wp-block-image aligncenter size-large\"><img decoding=\"async\" src=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/discussing-a-contract-1024x682.jpg\" alt=\"\" class=\"wp-image-9077\"\/><\/figure>\n\n<h2 class=\"wp-block-heading\">Quy\u1ebft \u0111\u1ecbnh c\u1ee7a T\u00f2a \u00e1n v\u00e0 \u00fd ngh\u0129a \u0111\u1ed1i v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m<\/h2>\n\n<p>Nh\u1eefng n\u1ed7 l\u1ef1c ban \u0111\u1ea7u \u0111\u1ec3 s\u1eafp x\u1ebfp c\u00e1c y\u00eau c\u1ea7u b\u1ea3o hi\u1ec3m gi\u00e1n \u0111o\u1ea1n kinh doanh t\u1ea1i t\u00f2a \u00e1n \u0111\u00e3 c\u00e2n nh\u1eafc c\u00f3 l\u1ee3i cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m.\nTuy nhi\u00ean, khi c\u00e1c tr\u01b0\u1eddng h\u1ee3p ti\u1ebfp t\u1ee5c \u0111\u01b0\u1ee3c x\u00e9t x\u1eed v\u00e0 quy\u1ebft \u0111\u1ecbnh, c\u00e1c khu v\u1ef1c ph\u00e1p l\u00fd kh\u00e1c nhau \u0111ang \u0111i \u0111\u1ebfn k\u1ebft qu\u1ea3 kh\u00e1c nhau. <\/p>\n\n<h3 class=\"wp-block-heading\">C\u00e1c tr\u01b0\u1eddng h\u1ee3p c\u00f3 l\u1ee3i cho c\u00f4ng ty b\u1ea3o hi\u1ec3m<\/h3>\n\n<p>\u0110\u1ea7u th\u00e1ng 10\/2020, T\u00f2a \u00e1n qu\u1eadn ph\u00eda B\u1eafc Georgia c\u1ee7a M\u1ef9 \u0111\u00e3 \u0111\u01b0a ra <a href=\"https:\/\/www.americanbar.org\/groups\/litigation\/committees\/real-estate-condemnation-trust\/articles\/2020\/covid-19-business-interruption-claim\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u00fd ki\u1ebfn<\/a> b\u00e1c b\u1ecf l\u1eadp lu\u1eadn cho r\u1eb1ng trong c\u1ee5m t\u1eeb &#8220;t\u1ed5n th\u1ea5t ho\u1eb7c thi\u1ec7t h\u1ea1i v\u1eadt ch\u1ea5t&#8221;, &#8220;t\u1ed5n th\u1ea5t&#8221; ph\u1ea3i c\u00f3 ngh\u0129a kh\u00e1c v\u1edbi &#8220;thi\u1ec7t h\u1ea1i&#8221;.\nKhi l\u00e0m nh\u01b0 v\u1eady, Qu\u1eadn B\u1eafc Georgia \u0111\u00e3 tham gia \u00edt nh\u1ea5t m\u1ed9t t\u00f2a \u00e1n li\u00ean bang kh\u00e1c, cho Qu\u1eadn Trung Florida, \u0111\u00e3 gi\u1ea3i quy\u1ebft m\u1ed9t v\u1ee5 ki\u1ec7n c\u00f3 l\u1ee3i cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m.\nTuy nhi\u00ean, kh\u00f4ng ph\u1ea3i t\u1ea5t c\u1ea3 c\u00e1c t\u00f2a \u00e1n li\u00ean bang \u0111\u1ec1u \u1ee7ng h\u1ed9 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m, t\u1ea1o ra s\u1ef1 chia r\u1ebd gi\u1eefa c\u00e1c t\u00f2a \u00e1n qu\u1eadn li\u00ean bang c\u00f3 th\u1ec3 y\u00eau c\u1ea7u gi\u1ea3i quy\u1ebft t\u1ea1i T\u00f2a ph\u00fac th\u1ea9m li\u00ean bang ho\u1eb7c T\u00f2a \u00e1n t\u1ed1i cao Hoa K\u1ef3.  <\/p>\n\n<h3 class=\"wp-block-heading\">C\u00e1c tr\u01b0\u1eddng h\u1ee3p c\u00f3 l\u1ee3i cho ch\u1ee7 h\u1ee3p \u0111\u1ed3ng<\/h3>\n\n<p>C\u00e1c tr\u01b0\u1eddng h\u1ee3p ban \u0111\u1ea7u \u0111\u00e3 \u0111\u01b0\u1ee3c quy\u1ebft \u0111\u1ecbnh c\u00f3 l\u1ee3i cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m.\nTuy nhi\u00ean, cho \u0111\u1ebfn nay, \u00edt nh\u1ea5t hai t\u00f2a \u00e1n ti\u1ec3u bang \u0111\u00e3 \u1ee7ng h\u1ed9 nh\u1eefng ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m t\u00ecm c\u00e1ch gi\u00e1n \u0111o\u1ea1n kinh doanh cho c\u00e1c khi\u1ebfu n\u1ea1i li\u00ean quan \u0111\u1ebfn COVID-19. <\/p>\n\n<p>Trong North State Deli LLC et al. v. C\u00f4ng ty B\u1ea3o hi\u1ec3m Cincinnati v\u00e0 c\u1ed9ng s\u1ef1, m\u1ed9t t\u00f2a \u00e1n B\u1eafc Carolina <a href=\"https:\/\/www.claimsjournal.com\/app\/uploads\/2020\/10\/NorthStateDeliruling.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">\u0111\u00e3 \u0111\u01b0a ra<\/a> ph\u00e1n quy\u1ebft t\u00f3m t\u1eaft m\u1ed9t ph\u1ea7n cho c\u00e1c nh\u00e0 h\u00e0ng \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m.\n\u1ede \u0111\u00f3, t\u00f2a \u00e1n nh\u1eadn th\u1ea5y r\u1eb1ng ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m li\u00ean quan \u0111\u1ebfn v\u1ee5 \u00e1n kh\u00f4ng y\u00eau c\u1ea7u thi\u1ec7t h\u1ea1i v\u1eadt ch\u1ea5t cho t\u00f2a nh\u00e0 nh\u01b0 m\u1ed9t \u0111i\u1ec1u ki\u1ec7n b\u1ea3o hi\u1ec3m gi\u00e1n \u0111o\u1ea1n kinh doanh, <a href=\"https:\/\/www.natlawreview.com\/article\/covid-19-shutdowns-related-litigation-put-pressure-business-interruption-insurers\" target=\"_blank\" rel=\"noreferrer noopener\">Rachel E. Keen v\u00e0 Jonathan Reid Reich<\/a> t\u1ea1i c\u00f4ng ty lu\u1eadt Womble Bond Dickinson vi\u1ebft. <\/p>\n\n<p>Trong D\u1ecbch v\u1ee5 quang h\u1ecdc Hoa K\u1ef3 \/ JCI v. Franklin Mutual Ins.\nCo., ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m l\u1eadp lu\u1eadn r\u1eb1ng h\u1ecd \u0111\u00e3 m\u1ea5t thu nh\u1eadp khi th\u1ed1ng \u0111\u1ed1c New Jersey Phil Murphy ban h\u00e0nh l\u1ec7nh h\u00e0nh ph\u00e1p \u0111\u00f3ng c\u1eeda c\u00e1c c\u01a1 s\u1edf b\u00e1n l\u1ebb kh\u00f4ng thi\u1ebft y\u1ebfu nh\u01b0 doanh nghi\u1ec7p c\u1ee7a nguy\u00ean \u0111\u01a1n.\nTuy nhi\u00ean, c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u00e3 t\u1eeb ch\u1ed1i y\u00eau c\u1ea7u c\u1ee7a nguy\u00ean \u0111\u01a1n v\u1ec1 b\u1ea3o hi\u1ec3m gi\u00e1n \u0111o\u1ea1n kinh doanh v\u1edbi l\u00fd do kh\u00f4ng c\u00f3 t\u1ed5n th\u1ea5t v\u1eadt ch\u1ea5t tr\u1ef1c ti\u1ebfp ho\u1eb7c thi\u1ec7t h\u1ea1i v\u1eadt ch\u1ea5t n\u00e0o x\u1ea3y ra, <a href=\"https:\/\/www.jdsupra.com\/legalnews\/new-jersey-court-refuses-to-dismiss-15954\/\" target=\"_blank\" rel=\"noreferrer noopener\">Anthony Bartell<\/a> v\u00e0 c\u00e1c t\u00e1c gi\u1ea3 \u0111\u1ed3ng nghi\u1ec7p t\u1ea1i c\u00f4ng ty lu\u1eadt McCarter &amp;; English vi\u1ebft.  <\/p>\n\n<p>Tuy nhi\u00ean, t\u00f2a \u00e1n \u0111\u00e3 b\u00e1c b\u1ecf \u0111\u1ec1 ngh\u1ecb b\u00e1c b\u1ecf c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m.\nT\u00f2a \u00e1n <a href=\"https:\/\/www.huntoninsurancerecoveryblog.com\/wp-content\/uploads\/sites\/27\/2020\/09\/Optical-Hearing-Transcript.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">l\u01b0u \u00fd<\/a> r\u1eb1ng &#8220;v\u1ea5n \u0111\u1ec1 then ch\u1ed1t&#8221; trong v\u1ee5 ki\u1ec7n l\u00e0 ng\u00f4n ng\u1eef ch\u00ednh s\u00e1ch n\u00ean \u0111\u01b0\u1ee3c gi\u1ea3i th\u00edch nh\u01b0 th\u1ebf n\u00e0o v\u00e0 l\u1ef1a ch\u1ecdn phi\u00ean d\u1ecbch s\u1ebd \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn ph\u1ea1m vi b\u1ea3o hi\u1ec3m c\u1ee7a khi\u1ebfu n\u1ea1i li\u00ean quan \u0111\u1ebfn \u0111\u1ea1i d\u1ecbch nh\u01b0 th\u1ebf n\u00e0o. <\/p>\n\n<p>V\u00e0o th\u00e1ng 8 n\u0103m 2020, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u00e3 hy v\u1ecdng v\u00e0o m\u1ed9t k\u1ebft qu\u1ea3 c\u00f3 l\u1ee3i cho h\u1ecd \u1edf c\u1ea5p li\u00ean bang khi Qu\u1eadn T\u00e2y Missouri <a href=\"https:\/\/www.insurancejournal.com\/app\/uploads\/2020\/08\/studio-417-v-cincinnati-insurance.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">t\u1eeb ch\u1ed1i<\/a> \u0111\u1ec1 ngh\u1ecb sa th\u1ea3i c\u1ee7a m\u1ed9t c\u00f4ng ty b\u1ea3o hi\u1ec3m trong Studio 417, Inc. v. C\u00e1c Cincinnati Ins.\nCorp.\nN\u1ebfu Qu\u1eadn T\u00e2y Missouri quy\u1ebft \u0111\u1ecbnh c\u00f3 l\u1ee3i cho nh\u1eefng ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m, quy\u1ebft \u0111\u1ecbnh n\u00e0y s\u1ebd \u0111i ng\u01b0\u1ee3c l\u1ea1i v\u1edbi c\u00e1c ph\u00e1n quy\u1ebft t\u1ea1i c\u00e1c t\u00f2a \u00e1n qu\u1eadn li\u00ean bang kh\u00e1c.\nKh\u00e1ng ngh\u1ecb c\u00f3 th\u1ec3 l\u00e0 c\u1ea7n thi\u1ebft \u0111\u1ec3 gi\u1ea3i quy\u1ebft nh\u1eefng m\u00e2u thu\u1eabn n\u00e0y.   <\/p>\n\n<h3 class=\"wp-block-heading\">H\u1ee3p nh\u1ea5t c\u00e1c khi\u1ebfu n\u1ea1i v\u1ec1 gi\u00e1n \u0111o\u1ea1n kinh doanh do COVID-19<\/h3>\n\n<p>\u00cdt nh\u1ea5t hai tr\u01b0\u1eddng h\u1ee3p \u0111\u00e3 c\u1ed1 g\u1eafng h\u1ee3p nh\u1ea5t m\u1ed9t s\u1ed1 y\u00eau c\u1ea7u b\u1ea3o hi\u1ec3m gi\u00e1n \u0111o\u1ea1n kinh doanh COVID-19 th\u00e0nh m\u1ed9t v\u1ee5 ki\u1ec7n duy nh\u1ea5t.<\/p>\n\n<p>Trong v\u1ee5 ki\u1ec7n b\u1ea3o hi\u1ec3m gi\u00e1n \u0111o\u1ea1n kinh doanh RE COVID-19, m\u1ed9t nh\u00f3m ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m \u0111\u00e3 ki\u1ebfn ngh\u1ecb H\u1ed9i \u0111\u1ed3ng T\u01b0 ph\u00e1p Li\u00ean bang v\u1ec1 Tranh t\u1ee5ng \u0110a qu\u1eadn (JPML) \u0111\u1ec3 h\u1ee3p nh\u1ea5t m\u1ed9t s\u1ed1 khi\u1ebfu n\u1ea1i ch\u1ed1ng l\u1ea1i m\u1ed9t s\u1ed1 c\u00f4ng ty b\u1ea3o hi\u1ec3m qu\u1ed1c gia l\u1edbn, <a href=\"https:\/\/www.insurancejournal.com\/news\/national\/2020\/10\/04\/585092.htm\" target=\"_blank\" rel=\"noreferrer noopener\">Andrew G. Simpson<\/a> vi\u1ebft t\u1ea1i T\u1ea1p ch\u00ed B\u1ea3o hi\u1ec3m.<\/p>\n\n<p>Tuy nhi\u00ean, JPML <a href=\"https:\/\/www.insurancejournal.com\/app\/uploads\/2020\/08\/mdl-denial.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">t\u1eeb ch\u1ed1i<\/a> c\u1ee7ng c\u1ed1 c\u00e1c tr\u01b0\u1eddng h\u1ee3p, l\u01b0u \u00fd r\u1eb1ng c\u00e1c c\u00e2u h\u1ecfi \u0111\u01b0\u1ee3c \u0111\u01b0a ra b\u1edfi nh\u1eefng ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m &#8220;ch\u1ec9 chia s\u1ebb m\u1ed9t \u0111i\u1ec3m chung h\u1eddi h\u1ee3t&#8221;.\nH\u1ecd c\u0169ng l\u01b0u \u00fd r\u1eb1ng c\u00e1c v\u1ee5 \u00e1n kh\u00f4ng li\u00ean quan \u0111\u1ebfn m\u1ed9t b\u1ecb \u0111\u01a1n chung duy nh\u1ea5t, g\u00e2y kh\u00f3 kh\u0103n cho t\u00f2a \u00e1n \u0111\u1ec3 \u0111i \u0111\u1ebfn m\u1ed9t quy\u1ebft \u0111\u1ecbnh duy nh\u1ea5t s\u1ebd b\u1ea3o v\u1ec7 \u0111\u1ea7y \u0111\u1ee7 quy\u1ec1n v\u00e0 l\u1ee3i \u00edch c\u1ee7a t\u1ea5t c\u1ea3 c\u00e1c b\u00ean li\u00ean quan. <\/p>\n\n<p>Tuy nhi\u00ean, m\u1ed9t <a href=\"https:\/\/www.law360.com\/articles\/1294832\/attachments\/0\" target=\"_blank\" rel=\"noreferrer noopener\">y\u00eau c\u1ea7u<\/a> h\u1ee3p nh\u1ea5t nh\u1ecf h\u01a1n, Erie Insurance Exchange Litigation_, \u0111\u00e3 \u0111\u01b0\u1ee3c t\u00f2a \u00e1n bang Pennsylvania ch\u1ea5p thu\u1eadn.\nTrong tr\u01b0\u1eddng h\u1ee3p n\u00e0y, t\u00f2a \u00e1n \u0111\u00e3 ph\u1ed1i h\u1ee3p b\u1ed1n tr\u01b0\u1eddng h\u1ee3p \u0111ang ch\u1edd x\u1eed l\u00fd t\u1ea1i ba qu\u1eadn Pennsylvania ch\u1ed1ng l\u1ea1i m\u1ed9t c\u00f4ng ty b\u1ea3o hi\u1ec3m, Erie Insurance Exchange, <a href=\"https:\/\/www.cov.com\/en\/news-and-insights\/insights\/2020\/08\/developments-in-coronavirus-coverage-litigation-and-legislation\" target=\"_blank\" rel=\"noreferrer noopener\">Suzan Charlton<\/a> v\u00e0 c\u00e1c nh\u00e0 nghi\u00ean c\u1ee9u \u0111\u1ed3ng nghi\u1ec7p t\u1ea1i c\u00f4ng ty lu\u1eadt Covington &amp;; Burling vi\u1ebft. <\/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\/signing-a-document-1024x682.jpg\" alt=\"\" class=\"wp-image-9067\" srcset=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/signing-a-document-1024x682.jpg 1024w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/signing-a-document-300x200.jpg 300w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/signing-a-document-768x512.jpg 768w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/signing-a-document.jpg 1280w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n<h2 class=\"wp-block-heading\">\u0110i\u1ec1u g\u00ec s\u1ebd x\u1ea3y ra khi \u0111\u1ea1i d\u1ecbch ti\u1ebfp t\u1ee5c<\/h2>\n\n<p>Cu\u1ed1i c\u00f9ng, lu\u1eadt ph\u00e1p c\u00f3 th\u1ec3 kh\u00f4ng gi\u1ea3i quy\u1ebft c\u00e1c v\u1ea5n \u0111\u1ec1 COVID-19 m\u1ed9t c\u00e1ch hi\u1ec7u qu\u1ea3 cho c\u00e1c doanh nghi\u1ec7p ho\u1eb7c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u1ee7a h\u1ecd, <a href=\"https:\/\/www.insurancejournal.com\/blogs\/academy-journal\/2020\/09\/23\/583809.htm\" target=\"_blank\" rel=\"noreferrer noopener\">Patrick Wraight<\/a>, gi\u00e1m \u0111\u1ed1c H\u1ecdc vi\u1ec7n B\u1ea3o hi\u1ec3m c\u1ee7a T\u1ea1p ch\u00ed B\u1ea3o hi\u1ec3m vi\u1ebft.\nCho \u0111\u1ebfn nay, h\u1ea7u h\u1ebft c\u00e1c n\u1ed7 l\u1ef1c l\u1eadp ph\u00e1p trong l\u0129nh v\u1ef1c n\u00e0y \u0111\u1ec1u c\u00f3 nh\u1eefng c\u00e2u h\u1ecfi b\u1ea3o hi\u1ec3m ph\u1ee9c t\u1ea1p h\u01a1n n\u1eefa.\nNhi\u1ec1u ng\u01b0\u1eddi d\u01b0\u1eddng nh\u01b0 \u0111ang c\u1ed1 g\u1eafng xoa d\u1ecbu c\u00e1c c\u1eed tri \u0111\u00e3 g\u1eb7p v\u1ea5n \u0111\u1ec1 kinh doanh do \u0111\u1ea1i d\u1ecbch h\u01a1n l\u00e0 n\u1ed7 l\u1ef1c \u0111\u01b0a ra lu\u1eadt b\u1ea3o hi\u1ec3m t\u1ed1t, Wraight n\u00f3i.  <\/p>\n\n<p>C\u00e1c d\u1ef1 lu\u1eadt t\u00ecm c\u00e1ch \u00e1p d\u1ee5ng b\u1ea3o hi\u1ec3m h\u1ed3i t\u1ed1 \u0111\u1eb7t ra m\u1ed9t th\u00e1ch th\u1ee9c \u0111\u1eb7c bi\u1ec7t, <a href=\"https:\/\/www.jdsupra.com\/legalnews\/constitutional-challenges-to-proposed-77249\/\" target=\"_blank\" rel=\"noreferrer noopener\">Max Chester, Andrew Meerkins v\u00e0 Kimberly Yelkin<\/a> c\u1ee7a c\u00f4ng ty lu\u1eadt Foley &amp;; Lardner vi\u1ebft.\nB\u1ea5t k\u1ef3 d\u1ef1 lu\u1eadt n\u00e0o trong s\u1ed1 n\u00e0y, m\u1ed9t khi c\u00f3 lu\u1eadt, &#8220;s\u1ebd h\u1ed3i t\u1ed1 gi\u1ea3i quy\u1ebft c\u00e1c th\u1ecfa thu\u1eadn h\u1ee3p \u0111\u1ed3ng gi\u1eefa c\u00e1c b\u00ean t\u01b0 nh\u00e2n, v\u1edbi nh\u1eefng th\u00e1ch th\u1ee9c hi\u1ebfn ph\u00e1p ch\u1eafc ch\u1eafn s\u1ebd theo sau.&#8221; <\/p>\n\n<p>Nh\u1eefng d\u1ef1 lu\u1eadt n\u00e0y c\u0169ng c\u00f3 th\u1ec3 l\u00e0m d\u1ea5y l\u00ean nh\u1eefng th\u00e1ch th\u1ee9c hi\u1ebfn ph\u00e1p \u1edf c\u1ea3 c\u1ea5p ti\u1ec3u bang v\u00e0 li\u00ean bang, h\u1ecd n\u00f3i.\nCh\u00fang bao g\u1ed3m nh\u1eefng th\u00e1ch th\u1ee9c theo \u0110i\u1ec1u kho\u1ea3n Nh\u1eadn, H\u1ee3p \u0111\u1ed3ng ho\u1eb7c Th\u1ee7 t\u1ee5c T\u1ed1 t\u1ee5ng c\u1ee7a Hi\u1ebfn ph\u00e1p Hoa K\u1ef3 v\u00e0 c\u00e1c \u0111i\u1ec1u kho\u1ea3n hi\u1ebfn ph\u00e1p ti\u1ec3u bang t\u01b0\u01a1ng t\u1ef1.\nDo \u0111\u00f3, c\u00e1c n\u1ed7 l\u1ef1c l\u1eadp ph\u00e1p \u0111\u1ec3 gi\u1ea3i quy\u1ebft c\u00e1c c\u00e2u h\u1ecfi v\u1ec1 b\u1ea3o hi\u1ec3m COVID-19 \u0111\u1ed1i v\u1edbi b\u1ea3o hi\u1ec3m gi\u00e1n \u0111o\u1ea1n kinh doanh c\u00f3 th\u1ec3 tr\u1edf th\u00e0nh nguy\u00ean nh\u00e2n t\u1ea1o ra nhi\u1ec1u v\u1ee5 ki\u1ec7n h\u01a1n n\u1eefa.  <\/p>\n\n<p>C\u00e2u h\u1ecfi &#8220;C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 ph\u1ea3i tr\u1ea3 ti\u1ec1n cho c\u00e1c t\u1ed5n th\u1ea5t li\u00ean quan \u0111\u1ebfn COVID-19 theo ph\u1ea1m vi b\u1ea3o hi\u1ec3m gi\u00e1n \u0111o\u1ea1n kinh doanh kh\u00f4ng?&#8221; kh\u00f4ng c\u00f3 c\u00e2u tr\u1ea3 l\u1eddi \u0111\u01a1n gi\u1ea3n.\nThay v\u00e0o \u0111\u00f3, ngh\u0129a v\u1ee5 c\u1ee7a c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m ph\u1ee5 thu\u1ed9c v\u00e0o n\u01a1i h\u1ecd kinh doanh, t\u00ecnh tr\u1ea1ng l\u1eadp ph\u00e1p v\u00e0 t\u00f2a \u00e1n c\u1ed1 g\u1eafng gi\u1ea3i quy\u1ebft c\u00e2u h\u1ecfi v\u00e0 t\u1eeb ng\u1eef c\u1ee7a ch\u00ednh s\u00e1ch.\nC\u00e1c quy t\u1eafc li\u00ean quan \u0111\u1ebfn b\u1ea3o hi\u1ec3m ti\u1ebfp t\u1ee5c ph\u00e1t tri\u1ec3n v\u00e0 thay \u0111\u1ed5i, t\u1ea1o ra m\u1ed9t th\u00e1ch th\u1ee9c b\u1ed5 sung cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111ang c\u1ed1 g\u1eafng \u1ee9ng ph\u00f3 hi\u1ec7u qu\u1ea3 v\u1edbi \u0111\u1ea1i d\u1ecbch.  <\/p>\n\n<p><em>H\u00ecnh \u1ea3nh b\u1edfi: olegdudko\/\u00a9123RF.com, Suwat Supachavinswad\/\u00a9123RF.com, Jean-Paul\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Nh\u1eefng n\u1ed7 l\u1ef1c ban \u0111\u1ea7u \u0111\u1ec3 gi\u1ea3i quy\u1ebft cu\u1ed9c kh\u1ee7ng ho\u1ea3ng COVID-19 \u0111\u00e3 d\u1eabn \u0111\u1ebfn s\u1ef1 ch\u1eafp v\u00e1 c\u1ee7a c\u00e1c quy\u1ebft \u0111\u1ecbnh l\u1eadp ph\u00e1p ti\u1ec3u bang. Bao g\u1ed3m trong nh\u1eefng n\u1ed7 l\u1ef1c n\u00e0y l\u00e0 nh\u1eefng n\u1ed7 l\u1ef1c gi\u1ea3i quy\u1ebft b\u1ea3o hi\u1ec3m gi\u00e1n \u0111o\u1ea1n kinh doanh cho c\u00e1c doanh nghi\u1ec7p bu\u1ed9c ph\u1ea3i \u0111\u00f3ng c\u1eeda do \u0111\u1ea1i [&hellip;]<\/p>\n","protected":false},"featured_media":9096,"template":"","insight-category":[],"class_list":["post-19771","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight\/19771","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\/9096"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/media?parent=19771"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight-category?post=19771"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}