{"id":19888,"date":"2024-09-20T13:27:42","date_gmt":"2024-09-20T18:27:42","guid":{"rendered":"https:\/\/bolttech.io\/insights\/bao-ve-chong-dich-va-tuong-lai-cua-bao-hiem-pc\/"},"modified":"2024-09-20T13:27:43","modified_gmt":"2024-09-20T18:27:43","slug":"bao-ve-chong-dich-va-tuong-lai-cua-bao-hiem-pc","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/vi\/insights\/bao-ve-chong-dich-va-tuong-lai-cua-bao-hiem-pc\/","title":{"rendered":"B\u1ea3o v\u1ec7 ch\u1ed1ng d\u1ecbch v\u00e0 t\u01b0\u01a1ng lai c\u1ee7a b\u1ea3o hi\u1ec3m P&C"},"content":{"rendered":"\n

\u0110\u1ea1i d\u1ecbch coronavirus \u0111\u00e3 \u0111\u1eb7t ra m\u1ed9t s\u1ed1 c\u00e2u h\u1ecfi cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n v\u00e0 th\u01b0\u01a1ng vong c\u0169ng nh\u01b0 cho kh\u00e1ch h\u00e0ng c\u1ee7a h\u1ecd.\nC\u00e1c doanh nghi\u1ec7p v\u00e0 c\u00e1 nh\u00e2n \u0111\u00e3 t\u00ecm ki\u1ebfm s\u1ef1 gi\u00fap \u0111\u1ee1 t\u1eeb c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u1ee7a h\u1ecd, ti\u1ebft l\u1ed9 nh\u1eefng kho\u1ea3ng tr\u1ed1ng b\u1ea3o hi\u1ec3m kh\u00f4ng l\u01b0\u1eddng tr\u01b0\u1edbc \u0111\u01b0\u1ee3c, ng\u00f4n ng\u1eef kh\u00f4ng r\u00f5 r\u00e0ng v\u00e0 c\u00e1c v\u1ea5n \u0111\u1ec1 kh\u00e1c. <\/p>\n\n

Khi \u0111\u1ea1i d\u1ecbch ti\u1ebfp t\u1ee5c, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 kh\u00e1ch h\u00e0ng ti\u1ebfp t\u1ee5c v\u1eadt l\u1ed9n v\u1edbi c\u00e2u h\u1ecfi li\u1ec7u c\u00e1c ph\u1ea1m vi b\u1ea3o hi\u1ec3m kh\u00e1c nhau c\u00f3 n\u00ean \u00e1p d\u1ee5ng cho c\u00e1c t\u00ecnh hu\u1ed1ng li\u00ean quan \u0111\u1ebfn COVID-19 hay kh\u00f4ng.\nTrong m\u1ed9t th\u1ebf gi\u1edbi h\u1eadu COVID, kh\u1ea3 n\u0103ng b\u1ea3o v\u1ec7 \u0111\u1ea1i d\u1ecbch<\/a> c\u00f3 th\u1ec3 s\u1ebd kh\u00e1 kh\u00e1c so v\u1edbi tr\u01b0\u1edbc COVID-19. <\/p>\n\n

COVID-19 n\u00eau b\u1eadt kho\u1ea3ng c\u00e1ch b\u1ea3o hi\u1ec3m<\/h2>\n\n

Khi COVID-19 \u0111\u00f3ng c\u1eeda c\u00e1c doanh nghi\u1ec7p tr\u00ean kh\u1eafp Hoa K\u1ef3, nh\u1eefng doanh nghi\u1ec7p \u0111\u00f3 \u0111\u00e3 chuy\u1ec3n sang c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n v\u00e0 th\u01b0\u01a1ng vong c\u1ee7a h\u1ecd \u0111\u1ec3 \u0111\u01b0\u1ee3c gi\u00fap \u0111\u1ee1.\nKhi h\u1ecd l\u00e0m nh\u01b0 v\u1eady, c\u1ea3 doanh nghi\u1ec7p v\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u1ee7a h\u1ecd \u0111\u1ec1u ph\u00e1t hi\u1ec7n ra r\u1eb1ng nhi\u1ec1u ch\u00ednh s\u00e1ch \u0111\u01b0\u1ee3c vi\u1ebft theo c\u00e1ch \u0111\u1eb7c bi\u1ec7t lo\u1ea1i tr\u1eeb COVID-19 kh\u1ecfi ph\u1ea1m vi b\u1ea3o hi\u1ec3m nh\u01b0 m\u1ed9t h\u00ecnh th\u1ee9c gi\u00e1n \u0111o\u1ea1n kinh doanh. <\/p>\n\n

\u0110\u00f3 l\u00e0 b\u1edfi v\u00ec h\u1ea7u h\u1ebft c\u00e1c b\u1ea3o hi\u1ec3m gi\u00e1n \u0111o\u1ea1n kinh doanh c\u1ee7a c\u00e1c ch\u00ednh s\u00e1ch th\u01b0\u01a1ng m\u1ea1i \u0111\u1ec1u y\u00eau c\u1ea7u m\u1ed9t s\u1ed1 h\u00ecnh th\u1ee9c thi\u1ec7t h\u1ea1i v\u1eadt ch\u1ea5t x\u1ea3y ra \u0111\u1ec3 b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c \u0111\u00ednh k\u00e8m.\nM\u1eb7c d\u00f9 COVID-19 c\u00f3 th\u1ec3 l\u00e2y nhi\u1ec5m sang c\u00e1c b\u1ec1 m\u1eb7t trong m\u1ed9t th\u1eddi gian ng\u1eafn, nh\u01b0ng vi-r\u00fat sau \u0111\u00f3 s\u1ebd ch\u1ebft, kh\u00f4ng \u0111\u1ec3 l\u1ea1i thi\u1ec7t h\u1ea1i v\u1eadt ch\u1ea5t n\u00e0o cho c\u00e1c t\u00f2a nh\u00e0 ho\u1eb7c t\u00e0i s\u1ea3n b\u00ean trong ch\u00fang.\nVirus th\u1ef1c s\u1ef1 \u0111\u00e3 l\u00e0m gi\u00e1n \u0111o\u1ea1n ho\u1ea1t \u0111\u1ed9ng kinh doanh, nh\u01b0ng kh\u00f4ng ph\u1ea3i d\u01b0\u1edbi h\u00ecnh th\u1ee9c g\u00e2y t\u1ed5n h\u1ea1i v\u1eadt ch\u1ea5t l\u00e2u d\u00e0i cho t\u00e0i s\u1ea3n kinh doanh. <\/p>\n\n

C\u1ea3 doanh nghi\u1ec7p v\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u1ee7a h\u1ecd \u0111\u1ec1u kh\u00f4ng ph\u1ea3i l\u00e0 ng\u01b0\u1eddi tr\u1ef1c ti\u1ebfp ch\u1ecbu tr\u00e1ch nhi\u1ec7m.\n“Kh\u00f4ng ph\u1ea3i l\u00e0 c\u00e1c h\u00e3ng v\u1eadn t\u1ea3i \u00e2m m\u01b0u mi\u1ec5n tr\u1eeb b\u1ea3o hi\u1ec3m ho\u1eb7c ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m \u0111\u00e3 b\u1ecf qua n\u00f3; n\u00f3 ch\u1ec9 \u0111\u01a1n gi\u1ea3n l\u00e0 m\u1ed9t r\u1ee7i ro kh\u00f3 b\u1ea3o l\u00e3nh d\u1ef1a tr\u00ean \u0111\u1ed9 s\u00e2u v\u00e0 chi\u1ec1u r\u1ed9ng ti\u1ec1m \u1ea9n c\u1ee7a m\u1ed9t \u0111\u1ee3t b\u00f9ng ph\u00e1t”, nh\u00e0 t\u01b0 v\u1ea5n x\u00e2y d\u1ef1ng v\u00e0 b\u1ea3o hi\u1ec3m Patrick Kelahan<\/a> vi\u1ebft, l\u01b0u \u00fd r\u1eb1ng nh\u1eefng tuy\u00ean b\u1ed1 nh\u01b0 v\u1eady c\u00f3 th\u1ec3 v\u01b0\u1ee3t qu\u00e1 1 ngh\u00ecn t\u1ef7 \u0111\u00f4 la tr\u00ean to\u00e0n c\u1ea7u n\u1ebfu ch\u00fang \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m. <\/p>\n\n

Ngay c\u1ea3 c\u00e1c ch\u00ednh s\u00e1ch cho ph\u00e9p c\u00e1c h\u00ecnh th\u1ee9c thi\u1ec7t h\u1ea1i v\u00f4 h\u00ecnh v\u1eabn c\u00f3 th\u1ec3 \u0111\u1ec3 l\u1ea1i nh\u1eefng kho\u1ea3ng tr\u1ed1ng khi n\u00f3i \u0111\u1ebfn m\u1ed9t d\u1ecbch b\u1ec7nh do virus.\nV\u00ed d\u1ee5, sau d\u1ecbch SARS 2002-2003, nhi\u1ec1u ch\u00ednh s\u00e1ch \u0111\u00e3 \u0111\u01b0\u1ee3c vi\u1ebft l\u1ea1i \u0111\u1ec3 lo\u1ea1i tr\u1eeb c\u1ee5 th\u1ec3 ph\u1ea1m vi b\u1ea3o hi\u1ec3m cho virus ho\u1eb7c vi khu\u1ea9n ho\u1eb7c c\u1ea3 hai. <\/p>\n\n

Trong khi m\u1ed9t s\u1ed1 c\u00f4ng ty b\u1ea3o hi\u1ec3m P&C cung c\u1ea5p x\u00e1c nh\u1eadn cho c\u00e1c b\u1ec7nh nhi\u1ec5m virus ho\u1eb7c vi khu\u1ea9n, r\u1ea5t \u00edt doanh nghi\u1ec7p ch\u1ecdn \u0111\u1ea7u t\u01b0 v\u00e0o ch\u00fang tr\u01b0\u1edbc \u0111\u1ea1i d\u1ecbch, theo Lawrence A. Wilkinson<\/a> v\u00e0 nh\u1eefng ng\u01b0\u1eddi \u0111\u00f3ng g\u00f3p \u0111\u1ed3ng nghi\u1ec7p t\u1ea1i S&P Global.\nKhi COVID-19 x\u1ea3y ra, nhi\u1ec1u doanh nghi\u1ec7p kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m \u0111\u1ec3 gi\u00fap h\u1ecd gi\u1ea3i quy\u1ebft nh\u1eefng t\u1ed5n th\u1ea5t li\u00ean quan \u0111\u1ebfn \u0111\u1ea1i d\u1ecbch. <\/p>\n\n

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

C\u00e1c c\u00e2u h\u1ecfi ch\u01b0a \u0111\u01b0\u1ee3c tr\u1ea3 l\u1eddi v\u1ec1 b\u1ea3o hi\u1ec3m COVID-19<\/h2>\n\n

C\u00e1c c\u00e2u h\u1ecfi v\u1ec1 b\u1ea3o hi\u1ec3m th\u01b0\u1eddng \u0111\u01b0\u1ee3c tr\u1ea3 l\u1eddi t\u1ea1i c\u00e1c \u0111\u1ecba \u0111i\u1ec3m ph\u00e1p l\u00fd, bao g\u1ed3m c\u00e1c c\u01a1 quan l\u1eadp ph\u00e1p v\u00e0 t\u00f2a \u00e1n.\nC\u0169ng nh\u01b0 c\u00e1c c\u00e2u h\u1ecfi kh\u00e1c v\u1ec1 ng\u00f4n ng\u1eef ch\u00ednh s\u00e1ch, c\u00e1c tranh ch\u1ea5p li\u00ean quan \u0111\u1ebfn gi\u00e1n \u0111o\u1ea1n kinh doanh v\u00e0 b\u1ea3o hi\u1ec3m kh\u00e1c cho COVID-19 th\u01b0\u1eddng xuy\u00ean \u0111\u01b0a c\u00e1c b\u00ean ra t\u00f2a.\nTrong khi \u0111\u00f3, t\u00f2a \u00e1n v\u00e0 c\u01a1 quan l\u1eadp ph\u00e1p c\u00f3 th\u1ec3 \u0111i \u0111\u1ebfn nh\u1eefng k\u1ebft lu\u1eadn m\u00e2u thu\u1eabn \u0111\u1eb7t ra nhi\u1ec1u c\u00e2u h\u1ecfi h\u01a1n l\u00e0 c\u00e2u tr\u1ea3 l\u1eddi. <\/p>\n\n

C\u00e1c tr\u01b0\u1eddng h\u1ee3p b\u1ea3o hi\u1ec3m COVID-19 t\u1ea1i t\u00f2a \u00e1n<\/h3>\n\n

C\u00e1c tranh ch\u1ea5p v\u1ec1 b\u1ea3o hi\u1ec3m v\u1edbi COVID-19 l\u00e0 c\u1ed1t l\u00f5i c\u1ee7a ch\u00fang \u0111\u00e3 \u0111\u1ebfn c\u00e1c t\u00f2a \u00e1n ti\u1ec3u bang v\u00e0 li\u00ean bang tr\u00ean kh\u1eafp Hoa K\u1ef3, v\u00e0 nhi\u1ec1u tranh ch\u1ea5p kh\u00e1c d\u1ef1 ki\u1ebfn s\u1ebd \u0111\u01b0\u1ee3c \u0111\u1ec7 tr\u00ecnh.\nNhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p nh\u01b0 v\u1eady li\u00ean quan \u0111\u1ebfn ng\u00f4n ng\u1eef b\u1ea3o hi\u1ec3m gi\u00e1n \u0111o\u1ea1n kinh doanh, lo\u1ea1i tr\u1eeb vi-r\u00fat ho\u1eb7c vi khu\u1ea9n ho\u1eb7c c\u1ea3 hai. <\/p>\n\n

C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u00e3 th\u1eafng th\u1ebf t\u1ea1i t\u00f2a \u00e1n v\u1ec1 m\u1ed9t s\u1ed1 khi\u1ebfu n\u1ea1i n\u00e0y.\nCh\u1eb3ng h\u1ea1n, v\u00e0o th\u00e1ng 7 n\u0103m 2020, m\u1ed9t t\u00f2a \u00e1n s\u01a1 th\u1ea9m \u1edf Michigan \u0111\u00e3 ph\u00e1n quy\u1ebft<\/a> r\u1eb1ng b\u1ea3o hi\u1ec3m gi\u00e1n \u0111o\u1ea1n kinh doanh c\u1ee7a m\u1ed9t nh\u00e0 h\u00e0ng \u1edf Michigan kh\u00f4ng \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng, b\u1edfi v\u00ec t\u00e0i s\u1ea3n ph\u1ea3i b\u1ecb \u1ea3nh h\u01b0\u1edfng h\u1eefu h\u00ecnh \u0111\u1ec3 k\u00edch ho\u1ea1t ph\u1ea1m vi b\u1ea3o hi\u1ec3m. <\/p>\n\n

Tuy nhi\u00ean, ngay c\u1ea3 khi COVID-19 \u0111\u00e3 \u0111\u1ec3 l\u1ea1i thi\u1ec7t h\u1ea1i h\u1eefu h\u00ecnh, t\u00f2a \u00e1n c\u0169ng cho r\u1eb1ng ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m c\u1ee7a nh\u00e0 h\u00e0ng s\u1ebd kh\u00f4ng bao g\u1ed3m y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng c\u1ee7a nh\u00e0 h\u00e0ng, v\u00ec ch\u00ednh s\u00e1ch n\u00e0y ch\u1ee9a ng\u00f4n ng\u1eef c\u1ee5 th\u1ec3 lo\u1ea1i tr\u1eeb nhi\u1ec5m virus.<\/p>\n\n

Tr\u01b0\u1eddng h\u1ee3p \u0111\u00f3, Gavrilides Management Co. et al. v. Michigan Insurance Co., \u0111\u00e3 \u0111\u01b0\u1ee3c tr\u00edch d\u1eabn trong \u00edt nh\u1ea5t m\u1ed9t tr\u01b0\u1eddng h\u1ee3p li\u00ean bang<\/a> li\u00ean quan \u0111\u1ebfn b\u1ea3o hi\u1ec3m gi\u00e1n \u0111o\u1ea1n kinh doanh v\u00e0 lo\u1ea1i tr\u1eeb virus.\nC\u00e1c t\u00f2a \u00e1n \u1edf Florida v\u00e0 California c\u0169ng \u0111\u00e3 \u0111\u01b0a ra ph\u00e1n quy\u1ebft t\u01b0\u01a1ng t\u1ef1 trong c\u00e1c tr\u01b0\u1eddng h\u1ee3p t\u01b0\u01a1ng t\u1ef1, Gavin Souter<\/a> t\u1ea1i Business Insurance vi\u1ebft. <\/p>\n\n

Tuy nhi\u00ean, kh\u00f4ng ph\u1ea3i t\u1ea5t c\u1ea3 c\u00e1c tr\u01b0\u1eddng h\u1ee3p nh\u01b0 v\u1eady \u0111\u1ec1u \u0111\u01b0\u1ee3c quy\u1ebft \u0111\u1ecbnh c\u00f3 l\u1ee3i cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m. Trong Studio 417, Inc. et al. v. Cincinnati Ins. Comp., m\u1ed9t th\u1ea9m ph\u00e1n t\u00f2a \u00e1n qu\u1eadn li\u00ean bang cho Qu\u1eadn T\u00e2y Missouri \u0111\u00e3 b\u00e1c b\u1ecf \u0111\u1ec1 ngh\u1ecb sa th\u1ea3i c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m. T\u00f2a \u00e1n nh\u1eadn th\u1ea5y r\u1eb1ng vi\u1ec7c COVID-19 c\u00f3 m\u1eb7t th\u1ef1c t\u1ebf t\u1ea1i Studio 417, m\u1ed9t ti\u1ec7m l\u00e0m t\u00f3c v\u00e0 s\u1ef1 hi\u1ec7n di\u1ec7n th\u1ef1c t\u1ebf c\u1ee7a n\u00f3 \u0111\u00e3 l\u00e0m gi\u00e1n \u0111o\u1ea1n ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u1ee7a ti\u1ec7m, \u0111\u00e3 cung c\u1ea5p \u0111\u1ee7 c\u01a1 s\u1edf \u0111\u1ec3 v\u1ee5 \u00e1n \u0111\u01b0\u1ee3c ti\u1ebfn h\u00e0nh.<\/p>\n\n

“T\u00f2a \u00e1n l\u1eadp lu\u1eadn r\u1eb1ng k\u00edch ho\u1ea1t b\u1ea3o hi\u1ec3m l\u00e0 t\u1ed5n th\u1ea5t ho\u1eb7c<\/em> thi\u1ec7t h\u1ea1i v\u1eadt ch\u1ea5t, v\u00e0 n\u00f3 ‘ph\u1ea3i mang l\u1ea1i \u00fd ngh\u0129a cho c\u1ea3 hai \u0111i\u1ec1u kho\u1ea3n’. \u0110\u1ec3 ch\u1ea5p nh\u1eadn l\u1eadp lu\u1eadn c\u1ee7a Cincinnati, t\u00f2a \u00e1n quy\u1ebft \u0111\u1ecbnh, s\u1ebd k\u1ebft h\u1ee3p t\u1ed5n th\u1ea5t v\u1eadt ch\u1ea5t v\u1edbi thi\u1ec7t h\u1ea1i v\u1eadt ch\u1ea5t”, David J. Marmins v\u00e0 Rebecca Lunceford Kolb<\/a> c\u1ee7a c\u00f4ng ty lu\u1eadt Arnall Golden Gregory \u1edf Atlanta vi\u1ebft.<\/p>\n\n

Ngay c\u1ea3 b\u1ea3n th\u00e2n Gavrilides c\u0169ng c\u00f3 th\u1ec3 kh\u00f4ng c\u00f3 s\u1ee9c m\u1ea1nh kh\u00f4ng t\u00edch c\u1ef1c m\u00e0 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m mong mu\u1ed1n, Tom Baker<\/a>, gi\u00e1o s\u01b0 t\u1ea1i \u0110\u1ea1i h\u1ecdc Pennsylvania c\u1ea3nh b\u00e1o.<\/p>\n\n

“\u0110\u01a1n khi\u1ebfu n\u1ea1i n\u00e0y kh\u00f4ng bi\u1ec7n h\u1ed9 cho vi\u1ec7c ‘m\u1ea5t m\u00e1t v\u1eadt ch\u1ea5t ho\u1eb7c thi\u1ec7t h\u1ea1i cho t\u00f2a nh\u00e0’. H\u1ecd ch\u1ec9 \u0111\u01a1n gi\u1ea3n c\u1ea7u xin r\u1eb1ng n\u00f3 \u0111\u00e3 b\u1ecb \u0111\u00f3ng c\u1eeda”, Baker l\u01b0u \u00fd, g\u1ecdi \u0111\u00f3 l\u00e0 “l\u1eddi c\u1ea7u xin khi\u1ebfm khuy\u1ebft t\u1eeb ph\u00eda c\u00e1c nguy\u00ean \u0111\u01a1n”.\nTuy nhi\u00ean, m\u1ed9t ph\u00e1n quy\u1ebft r\u1eb1ng vi\u1ec7c \u0111\u00f3ng c\u1eeda \u0111\u01a1n gi\u1ea3n kh\u00f4ng k\u00edch ho\u1ea1t b\u1ea3o hi\u1ec3m cho t\u1ed5n th\u1ea5t ho\u1eb7c thi\u1ec7t h\u1ea1i kh\u00e1c v\u1edbi ph\u00e1n quy\u1ebft r\u1eb1ng kh\u00f4ng c\u00f3 t\u1ed5n th\u1ea5t ho\u1eb7c thi\u1ec7t h\u1ea1i n\u00e0o x\u1ea3y ra, m\u1ed9t th\u1ef1c t\u1ebf m\u00e0 c\u00e1c th\u1ea9m ph\u00e1n trong c\u00e1c tr\u01b0\u1eddng h\u1ee3p trong t\u01b0\u01a1ng lai c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng \u0111\u1ec3 ph\u00e2n bi\u1ec7t khi\u1ebfu n\u1ea1i tr\u01b0\u1edbc h\u1ecd v\u1edbi ti\u1ec1n l\u1ec7 do Gavrilides \u0111\u1eb7t ra. <\/p>\n\n

Ph\u1ea3n \u1ee9ng l\u1eadp ph\u00e1p \u0111\u1ed1i v\u1edbi b\u1ea3o hi\u1ec3m COVID-19<\/h3>\n\n

Trong nh\u1eefng tu\u1ea7n ngay sau \u0111\u1ee3t b\u00f9ng ph\u00e1t ban \u0111\u1ea7u, m\u1ed9t s\u1ed1 c\u01a1 quan l\u1eadp ph\u00e1p ti\u1ec3u bang \u0111\u00e3 gi\u1ea3i quy\u1ebft c\u00e1c d\u1ef1 lu\u1eadt y\u00eau c\u1ea7u c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m P&C thanh to\u00e1n c\u00e1c y\u00eau c\u1ea7u b\u1ea3o hi\u1ec3m kinh doanh li\u00ean quan \u0111\u1ebfn COVID-19.\nM\u1ed9t s\u1ed1 h\u00f3a \u0111\u01a1n n\u00e0y th\u1eadm ch\u00ed c\u00f2n t\u00ecm c\u00e1ch y\u00eau c\u1ea7u c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m thanh to\u00e1n nh\u1eefng y\u00eau c\u1ea7u \u0111\u00f3 h\u1ed3i t\u1ed1. <\/p>\n\n

Trong khi m\u1ed9t s\u1ed1 d\u1ef1 lu\u1eadt nh\u01b0 v\u1eady \u0111\u00e3 ch\u1ebft trong c\u01a1 quan l\u1eadp ph\u00e1p, vi\u1ec7c so\u1ea1n th\u1ea3o v\u00e0 gi\u1edbi thi\u1ec7u ch\u00fang \u0111\u1ee7 \u0111\u1ec3 g\u00e2y lo ng\u1ea1i cho ng\u00e0nh b\u1ea3o hi\u1ec3m P&C.\nC\u00e1c l\u1ec7nh \u1edf nh\u00e0 k\u00e9o d\u00e0i \u0111\u00e3 th\u00fac \u0111\u1ea9y c\u00e1c y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng b\u1ed5 sung, c\u00f3 nguy c\u01a1 l\u00e0m gi\u1ea3m d\u1ef1 tr\u1eef c\u1ee7a ng\u00e0nh b\u1ea3o hi\u1ec3m xu\u1ed1ng m\u1ee9c nguy hi\u1ec3m ngay khi Hoa K\u1ef3 b\u01b0\u1edbc v\u00e0o m\u00f9a b\u00e3o, Robert Tomilson<\/a>, m\u1ed9t lu\u1eadt s\u01b0 b\u1ea3o hi\u1ec3m t\u1ea1i Clark Hill vi\u1ebft. <\/p>\n\n

“Th\u1eadt d\u1ec5 d\u00e0ng \u0111\u1ec3 qu\u00ean r\u1eb1ng b\u1ea3o hi\u1ec3m l\u00e0 m\u1ed9t ng\u00e0nh kinh doanh r\u1ea5t ph\u1ee9c t\u1ea1p. Ng\u00e0nh c\u00f4ng nghi\u1ec7p t\u00ednh to\u00e1n t\u1ea7n su\u1ea5t thi\u1ec7t h\u1ea1i, ph\u00e1 h\u1ee7y v\u00e0 m\u1ea5t m\u1ea1ng trong t\u01b0\u01a1ng lai cho h\u00e0ng tri\u1ec7u ng\u01b0\u1eddi v\u00e0 doanh nghi\u1ec7p trong h\u00e0ng ng\u00e0n ng\u00e0nh ngh\u1ec1 v\u00e0 ng\u00e0nh c\u00f4ng nghi\u1ec7p trong b\u1ed1i c\u1ea3nh \u0111\u1ecba l\u00fd kh\u00e1c nhau v\u00e0 ho\u00e0n c\u1ea3nh kh\u00e1c nhau, “Tomilson l\u01b0u \u00fd.\nB\u1ea3n ch\u1ea5t ph\u1ee9c t\u1ea1p c\u1ee7a b\u1ea3o hi\u1ec3m, k\u1ebft h\u1ee3p v\u1edbi th\u1ef1c t\u1ebf l\u00e0 \u0111\u1ea1i d\u1ecbch \u0111ang di\u1ec5n ra trong nhi\u1ec1u th\u00e1ng ho\u1eb7c nhi\u1ec1u n\u0103m, \u0111\u1ec3 l\u1ea1i m\u1ed9t s\u1ed1 c\u00e2u h\u1ecfi ch\u01b0a \u0111\u01b0\u1ee3c tr\u1ea3 l\u1eddi. <\/p>\n\n

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

C\u00e1c ch\u00ednh s\u00e1ch trong t\u01b0\u01a1ng lai c\u00f3 th\u1ec3 gi\u1ea3i quy\u1ebft \u0111\u1ea1i d\u1ecbch nh\u01b0 th\u1ebf n\u00e0o<\/h2>\n\n

R\u1ea5t \u00edt doanh nghi\u1ec7p c\u00f3 t\u1ea7m nh\u00ecn xa ho\u1eb7c th\u1eadn tr\u1ecdng khi mua b\u1ea3o hi\u1ec3m b\u1ed5 sung d\u00e0nh ri\u00eang cho c\u00e1c \u0111\u1ea1i d\u1ecbch vi-r\u00fat tr\u01b0\u1edbc COVID-19.\nTuy nhi\u00ean, k\u00fd \u1ee9c v\u1ec1 s\u1ef1 gi\u00e1n \u0111o\u1ea1n tr\u00ean di\u1ec7n r\u1ed9ng c\u1ee7a \u0111\u1ea1i d\u1ecbch s\u1ebd c\u00f2n l\u1ea1i v\u1edbi ch\u00fang ta r\u1ea5t l\u00e2u sau khi b\u1ea3n th\u00e2n virus \u0111\u01b0\u1ee3c ki\u1ec3m so\u00e1t.\nV\u00e0 nh\u1eefng k\u00fd \u1ee9c \u0111\u00f3 s\u1ebd thay \u0111\u1ed5i h\u00e0nh vi c\u1ee7a kh\u00e1ch h\u00e0ng b\u1ea3o hi\u1ec3m. <\/p>\n\n

“Ch\u00fang t\u00f4i hy v\u1ecdng c\u1ea3 t\u00e1c \u0111\u1ed9ng kinh t\u1ebf v\u00e0 h\u00e0nh vi ng\u1eafn h\u1ea1n v\u00e0 d\u00e0i h\u1ea1n c\u1ee7a cu\u1ed9c kh\u1ee7ng ho\u1ea3ng s\u1ebd c\u00f3 \u00fd ngh\u0129a \u0111a d\u1ea1ng \u0111\u1ed1i v\u1edbi c\u00e1c d\u00f2ng P&C kh\u00e1c nhau, t\u1ed5ng h\u1ee3p s\u1ebd th\u00e1ch th\u1ee9c t\u00ednh kinh t\u1ebf c\u1ee7a ng\u00e0nh”, Ari Chester<\/a> v\u00e0 c\u00e1c nh\u00e0 nghi\u00ean c\u1ee9u \u0111\u1ed3ng nghi\u1ec7p t\u1ea1i McKinsey vi\u1ebft.<\/p>\n\n

Nh\u00ecn v\u1ec1 ph\u00eda tr\u01b0\u1edbc, h\u01b0\u1edbng n\u1ed9i<\/h3>\n\n

\u0110\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m, COVID-19 \u0111\u00e3 l\u00e0m gi\u00e1n \u0111o\u1ea1n kh\u00f4ng ch\u1ec9 vi\u1ec7c ph\u00e2n ph\u1ed1i v\u00e0 y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng b\u1ea3o hi\u1ec3m, m\u00e0 c\u00f2n l\u00e0m gi\u00e1n \u0111o\u1ea1n to\u00e0n b\u1ed9 chu\u1ed7i ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m.\nDo \u0111\u00f3, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m th\u1ea5y m\u00ecnh \u0111ang gi\u1ea3i quy\u1ebft \u0111\u1ea1i d\u1ecbch trong nh\u00e0 c\u0169ng nh\u01b0 b\u1eb1ng ng\u00f4n ng\u1eef ch\u00ednh s\u00e1ch c\u1ee7a h\u1ecd. <\/p>\n\n

C\u1ea3 ph\u1ea1m vi b\u1ea3o hi\u1ec3m v\u00e0 ch\u1ee9c n\u0103ng c\u1ee7a c\u00f4ng ty \u0111\u1ec1u y\u00eau c\u1ea7u ph\u1ea3n h\u1ed3i t\u1eeb c\u00e1c nh\u00e0 l\u00e3nh \u0111\u1ea1o b\u1ea3o hi\u1ec3m P&C.\nV\u00ed d\u1ee5, c\u1ea3 hai t\u00ecnh hu\u1ed1ng c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u1ee3i t\u1eeb vi\u1ec7c t\u0103ng c\u01b0\u1eddng t\u1eadp trung v\u00e0o kh\u1ea3 n\u0103ng k\u1ef9 thu\u1eadt s\u1ed1, \u0111\u1ed5i m\u1edbi, hi\u1ec7u qu\u1ea3 ho\u1ea1t \u0111\u1ed9ng v\u00e0 t\u1eadn d\u1ee5ng c\u00e1c c\u00f4ng c\u1ee5 ph\u00e2n t\u00edch d\u1eef li\u1ec7u ti\u00ean ti\u1ebfn nh\u01b0 tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o, theo Paul Nelson<\/a> v\u00e0 c\u00e1c nh\u00e0 nghi\u00ean c\u1ee9u \u0111\u1ed3ng nghi\u1ec7p t\u1ea1i Deloitte. <\/p>\n\n

C\u00e1c doanh nghi\u1ec7p phi b\u1ea3o hi\u1ec3m c\u0169ng \u0111ang \u0111i\u1ec1u ch\u1ec9nh c\u00e1c k\u1ebf ho\u1ea1ch li\u00ean t\u1ee5c c\u1ee7a h\u1ecd \u0111\u1ec3 gi\u1ea3i quy\u1ebft c\u00e1c \u0111\u1ea1i d\u1ecbch trong t\u01b0\u01a1ng lai.\nC\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 quan t\u00e2m \u0111\u1ebfn c\u00e1c k\u1ebf ho\u1ea1ch kinh doanh li\u00ean t\u1ee5c n\u00e0y, v\u00ec c\u1ea3 doanh nghi\u1ec7p v\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i c\u1ee7a h\u1ecd \u0111\u1ec1u t\u00ecm c\u00e1ch chu\u1ea9n b\u1ecb cho nh\u1eefng gi\u00e1n \u0111o\u1ea1n trong t\u01b0\u01a1ng lai nh\u01b0 \u0111\u1ea1i d\u1ecbch. <\/p>\n\n

C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m ti\u1ebfp t\u1ee5c xem x\u00e9t ng\u00f4n ng\u1eef ch\u00ednh s\u00e1ch v\u00e0 kh\u1ea3 n\u0103ng \u00e1p d\u1ee5ng trong c\u00e1c t\u00ecnh hu\u1ed1ng li\u00ean quan \u0111\u1ebfn \u0111\u1ea1i d\u1ecbch.\nM\u1ed9t s\u1ed1 v\u1ee5 ki\u1ec7n li\u00ean quan \u0111\u1ebfn b\u1ea3o hi\u1ec3m P&C cho c\u00e1c y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng COVID-19 \u0111ang ch\u1edd x\u1eed l\u00fd t\u1ea1i c\u00e1c t\u00f2a \u00e1n kh\u00e1c nhau.\nK\u1ebft qu\u1ea3 c\u1ee7a h\u1ecd c\u00f3 th\u1ec3 l\u00e0m s\u00e1ng t\u1ecf th\u00eam c\u00e1c c\u00e2u h\u1ecfi v\u1ec1 b\u1ea3o hi\u1ec3m. <\/p>\n\n

B\u1ea5t ch\u1ea5p t\u1ea5t c\u1ea3 nh\u1eefng g\u00ec ch\u00fang ta \u0111\u00e3 bi\u1ebft v\u1ec1 COVID-19 trong n\u0103m nay, nhi\u1ec1u c\u00e2u h\u1ecfi v\u1eabn ch\u01b0a \u0111\u01b0\u1ee3c tr\u1ea3 l\u1eddi.\nKhi nghi\u00ean c\u1ee9u khoa h\u1ecdc cung c\u1ea5p th\u00eam th\u00f4ng tin v\u00e0 c\u00e1c t\u00f2a \u00e1n v\u00e0 c\u01a1 quan l\u1eadp ph\u00e1p gi\u1ea3i quy\u1ebft c\u00e1c m\u1ed1i quan t\u00e2m v\u1ec1 b\u1ea3o hi\u1ec3m, m\u1ed9t c\u00e1ch ti\u1ebfp c\u1eadn m\u1edbi \u0111\u1ed1i v\u1edbi b\u1ea3o hi\u1ec3m \u0111\u1ea1i d\u1ecbch c\u00f3 th\u1ec3 s\u1ebd h\u00ecnh th\u00e0nh.\nC\u00e1c bi\u1ec7n ph\u00e1p b\u1ea3o v\u1ec7 sau \u0111\u1ea1i d\u1ecbch g\u1ea7n nh\u01b0 ch\u1eafc ch\u1eafn s\u1ebd kh\u00e1c v\u1edbi nh\u1eefng ng\u01b0\u1eddi ti\u1ec1n nhi\u1ec7m. <\/p>\n\n

\u1ea2nh: Jakub Jirs\u00e1k\/\u00a9123RF.com, Pattanaphong Khaunkaew\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

\u0110\u1ea1i d\u1ecbch coronavirus \u0111\u00e3 \u0111\u1eb7t ra m\u1ed9t s\u1ed1 c\u00e2u h\u1ecfi cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n v\u00e0 th\u01b0\u01a1ng vong c\u0169ng nh\u01b0 cho kh\u00e1ch h\u00e0ng c\u1ee7a h\u1ecd. C\u00e1c doanh nghi\u1ec7p v\u00e0 c\u00e1 nh\u00e2n \u0111\u00e3 t\u00ecm ki\u1ebfm s\u1ef1 gi\u00fap \u0111\u1ee1 t\u1eeb c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u1ee7a h\u1ecd, ti\u1ebft l\u1ed9 nh\u1eefng kho\u1ea3ng tr\u1ed1ng b\u1ea3o hi\u1ec3m […]<\/p>\n","protected":false},"featured_media":9051,"template":"","insight-category":[],"class_list":["post-19888","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight\/19888","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\/9051"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/media?parent=19888"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight-category?post=19888"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}