COVID-19 \u0111\u00e3 l\u00e0m gi\u00e1n \u0111o\u1ea1n c\u00e1c doanh nghi\u1ec7p tr\u00ean to\u00e0n th\u1ebf gi\u1edbi.\nNgay c\u1ea3 nh\u1eefng doanh nghi\u1ec7p v\u1eabn m\u1edf c\u1eeda c\u0169ng g\u1eb7p kh\u00f3 kh\u0103n trong vi\u1ec7c b\u1ea3o v\u1ec7 ng\u01b0\u1eddi lao \u0111\u1ed9ng v\u00e0 qu\u1ea3n l\u00fd s\u1ef1 l\u00e2y lan.\nNh\u1eefng ng\u01b0\u1eddi \u0111\u00e3 \u0111\u00f3ng c\u1eeda theo l\u1ec7nh c\u1ee7a ch\u00ednh ph\u1ee7 c\u0169ng ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi vi\u1ec7c m\u1ea5t thu nh\u1eadp v\u00e0 nhu c\u1ea7u kh\u1eed tr\u00f9ng c\u01a1 s\u1edf c\u1ee7a h\u1ecd, trong s\u1ed1 nh\u1eefng r\u00e0o c\u1ea3n kh\u00e1c. <\/p>\n\n
C\u00e1c doanh nghi\u1ec7p b\u1ecb gi\u00e1n \u0111o\u1ea1n c\u1ea7n s\u1ef1 gi\u00fap \u0111\u1ee1, v\u00e0 m\u1ed9t trong nh\u1eefng \u0111i\u1ec1u \u0111\u1ea7u ti\u00ean h\u1ecd xem x\u00e9t l\u00e0 ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i c\u1ee7a h\u1ecd.\nDo \u0111\u00f3, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u00f3ng m\u1ed9t vai tr\u00f2 quan tr\u1ecdng trong vi\u1ec7c gi\u1ea3i th\u00edch c\u00e1c ch\u00ednh s\u00e1ch, qu\u1ea3n l\u00fd khi\u1ebfu n\u1ea1i v\u00e0 gi\u1ea3m thi\u1ec3u r\u1ee7i ro trong \u0111\u1ea1i d\u1ecbch. <\/p>\n\n
Khi n\u00f3i \u0111\u1ebfn b\u1ea3o hi\u1ec3m COVID-19, m\u1ecdi th\u1ee9 ph\u1ee5 thu\u1ed9c v\u00e0o ch\u00ednh s\u00e1ch.\nV\u00e0o \u0111\u1ea7u th\u00e1ng 3, lu\u1eadt s\u01b0 David F. Klein<\/a> t\u1ea1i Pillsbury Law khuy\u1ebfn ngh\u1ecb c\u00e1c doanh nghi\u1ec7p n\u00ean xem l\u1ea1i ph\u1ea1m vi b\u1ea3o hi\u1ec3m c\u1ee7a h\u1ecd “tr\u01b0\u1edbc khi b\u1ea5t k\u1ef3 s\u1ef1 gi\u00e1n \u0111o\u1ea1n n\u00e0o x\u1ea3y ra”. <\/p>\n\n M\u1ed9t s\u1ed1 c\u00f4ng ty \u0111\u00e3 th\u1ef1c hi\u1ec7n \u0111\u00e1nh gi\u00e1 n\u00e0y v\u00e0i tu\u1ea7n tr\u01b0\u1edbc; nh\u1eefng ng\u01b0\u1eddi kh\u00e1c \u0111ang l\u00e0m \u0111i\u1ec1u \u0111\u00f3 ngay b\u00e2y gi\u1edd khi \u0111\u1ed1i m\u1eb7t v\u1edbi s\u1ef1 gi\u00e1n \u0111o\u1ea1n COVID-19.\nC\u1ea3 hai \u0111\u1ec1u \u0111ang d\u1ef1a v\u00e0o c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u1ee7a h\u1ecd \u0111\u1ec3 gi\u1ea3i quy\u1ebft c\u00e1c lo\u1ea1i gi\u00e1n \u0111o\u1ea1n kinh doanh ch\u00ednh. <\/p>\n\n M\u1ed9t s\u1ed1 lo\u1ea1i b\u1ea3o hi\u1ec3m kh\u00e1c nhau c\u00f3 th\u1ec3 bao g\u1ed3m c\u00e1c y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng kh\u00e1c nhau li\u00ean quan \u0111\u1ebfn \u0111\u1ea1i d\u1ecbch, Klein vi\u1ebft.\nCh\u00fang bao g\u1ed3m: <\/p>\n\n B\u1ea3o hi\u1ec3m cho ** gi\u00e1n \u0111o\u1ea1n c\u00e1c ch\u1ee9c n\u0103ng kinh doanh c\u1ed1t l\u00f5i c\u0169ng nh\u01b0 c\u00e1c ch\u1ee9c n\u0103ng kinh doanh h\u1ed7 tr\u1ee3.\n\u0110i\u1ec1u n\u00e0y s\u1ebd \u00e1p d\u1ee5ng cho s\u1ef1 ch\u1eadm l\u1ea1i v\u00e0 ng\u1eebng vi\u1ec7c b\u00ean c\u1ea1nh c\u00e1c v\u1ea5n \u0111\u1ec1 v\u1edbi chu\u1ed7i cung \u1ee9ng.\nB\u1ea3o hi\u1ec3m cho ** tr\u00e1ch nhi\u1ec7m chung c\u0169ng nh\u01b0 tr\u00e1ch nhi\u1ec7m ph\u00e1p l\u00fd c\u1ee5 th\u1ec3 t\u1eeb ban qu\u1ea3n l\u00fd.\nC\u00e1c t\u00ecnh hu\u1ed1ng \u1edf \u0111\u00e2y c\u00f3 th\u1ec3 bao g\u1ed3m \u00f4 nhi\u1ec5m kh\u00f4ng gian th\u01b0\u01a1ng m\u1ea1i v\u00e0 tuy\u00ean b\u1ed1 t\u1eeb nh\u1eefng ng\u01b0\u1eddi s\u1eed d\u1ee5ng kh\u00f4ng gian r\u1eb1ng h\u1ecd kh\u00f4ng \u0111\u01b0\u1ee3c qu\u1ea3n l\u00fd b\u1ea3o v\u1ec7.\nB\u1ea3o hi\u1ec3m cho** c\u00e1c s\u1ef1 ki\u1ec7n s\u1eafp t\u1edbi v\u00e0 du l\u1ecbch.\nB\u1ea3o hi\u1ec3m cho ** b\u1ed3i th\u01b0\u1eddng cho ng\u01b0\u1eddi lao \u0111\u1ed9ng. <\/p>\n\n M\u1eb7c d\u00f9 kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 c\u00f3 c\u00e2u h\u1ecfi li\u00ean quan \u0111\u1ebfn b\u1ea5t k\u1ef3 lo\u1ea1i b\u1ea3o hi\u1ec3m n\u00e0o trong s\u1ed1 n\u00e0y, nh\u01b0ng kh\u00f4ng ph\u1ea3i t\u1ea5t c\u1ea3 ch\u00fang \u0111\u1ec1u c\u00f3 th\u1ec3 \u00e1p d\u1ee5ng cho t\u00ecnh hu\u1ed1ng li\u00ean quan \u0111\u1ebfn coronavirus m\u1edbi.\nV\u00ed d\u1ee5, \u0111\u1ed1i v\u1edbi m\u1ed9t s\u1ed1 doanh nghi\u1ec7p, b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m chung c\u00f3 th\u1ec3 kh\u00f4ng \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng v\u00ec doanh nghi\u1ec7p kh\u00f4ng k\u00edch ho\u1ea1t s\u1ef1 kh\u1edfi \u0111\u1ea7u c\u1ee7a \u0111\u1ea1i d\u1ecbch coronavirus, Phillip Naples<\/a>, ng\u01b0\u1eddi s\u00e1ng l\u1eadp v\u00e0 Gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh c\u1ee7a nh\u00e0 cung c\u1ea5p b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m th\u01b0\u01a1ng m\u1ea1i Layr vi\u1ebft. <\/p>\n\n Ngo\u00e0i vi\u1ec7c ki\u1ec3m tra ng\u00f4n ng\u1eef c\u1ee7a c\u00e1c ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m ti\u00eau chu\u1ea9n, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 kh\u00e1ch h\u00e0ng c\u1ee7a h\u1ecd s\u1ebd c\u1ea7n c\u00e2n nh\u1eafc xem li\u1ec7u c\u00f3 b\u1ea5t k\u1ef3 x\u00e1c nh\u1eadn b\u1ed5 sung, ng\u01b0\u1eddi l\u00e1i ho\u1eb7c b\u1ea3o hi\u1ec3m b\u1ed5 sung n\u00e0o c\u00f3 th\u1ec3 \u00e1p d\u1ee5ng cho y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng COVID-19 hay kh\u00f4ng.<\/p>\n\n V\u00ed d\u1ee5, b\u1ea3o hi\u1ec3m “ch\u00ednh quy\u1ec1n d\u00e2n s\u1ef1” c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng n\u1ebfu m\u1ed9t doanh nghi\u1ec7p b\u1ecb thua l\u1ed7 do m\u1ed9t th\u1ef1c th\u1ec3 ch\u00ednh ph\u1ee7 ban h\u00e0nh l\u1ec7nh h\u1ea1n ch\u1ebf ho\u1eb7c ng\u0103n ch\u1eb7n doanh nghi\u1ec7p s\u1eed d\u1ee5ng t\u00e0i s\u1ea3n c\u1ee7a m\u00ecnh theo c\u00e1ch \u0111i\u1ec3n h\u00ecnh, lu\u1eadt s\u01b0 b\u1ea3o hi\u1ec3m Diana Shafter Gliedman v\u00e0 Nicholas R. Maxwell<\/a> n\u00f3i.\nV\u00ec v\u1eady, n\u1ebfu m\u1ed9t n\u01a1i tr\u00fa \u1ea9n theo th\u1ee9 t\u1ef1 \u0111\u00f3ng c\u1eeda m\u1ed9t doanh nghi\u1ec7p, doanh nghi\u1ec7p \u0111\u00f3 c\u00f3 th\u1ec3 chuy\u1ec3n sang b\u1ea3o hi\u1ec3m ch\u00ednh quy\u1ec1n d\u00e2n s\u1ef1 c\u1ee7a m\u00ecnh \u0111\u1ec3 \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3. <\/p>\n\n Ch\u00ednh s\u00e1ch c\u0169ng c\u00f3 th\u1ec3 ch\u1ee9a x\u00e1c nh\u1eadn ho\u1eb7c ng\u01b0\u1eddi \u0111i xe m\u1edf r\u1ed9ng \u00fd ngh\u0129a c\u1ee7a c\u00e1c thu\u1eadt ng\u1eef ch\u00ednh nh\u01b0 “x\u1ea3y ra”.\nM\u1ed9t v\u00ed d\u1ee5 l\u00e0 m\u1ed9t ch\u00ednh s\u00e1ch cung c\u1ea5p b\u1ea3o hi\u1ec3m cho chu\u1ed7i cung \u1ee9ng ho\u1eb7c gi\u00e1n \u0111o\u1ea1n kinh doanh ng\u1eabu nhi\u00ean, Jeffrey G. Muth<\/a>, m\u1ed9t \u0111\u1ed1i t\u00e1c t\u1ea1i c\u00f4ng ty lu\u1eadt Miller Johnson n\u00f3i. <\/p>\n\n Theo x\u00e1c nh\u1eadn ho\u1eb7c ng\u01b0\u1eddi l\u00e1i gi\u00e1n \u0111o\u1ea1n kinh doanh ti\u1ec1m \u1ea9n ho\u1eb7c chu\u1ed7i cung \u1ee9ng, doanh nghi\u1ec7p c\u00f3 th\u1ec3 y\u00eau c\u1ea7u b\u1ea3o hi\u1ec3m cho c\u00e1c t\u1ed5n th\u1ea5t li\u00ean quan \u0111\u1ebfn COVID-19 ngay c\u1ea3 khi b\u1ea3n th\u00e2n doanh nghi\u1ec7p \u0111\u00f3 kh\u00f4ng b\u1ecb l\u00e2y nhi\u1ec5m.<\/p>\n\n Muth \u0111\u01b0a ra v\u00ed d\u1ee5 v\u1ec1 m\u1ed9t c\u00f4ng ty d\u1ecbch v\u1ee5 th\u1ef1c ph\u1ea9m thua l\u1ed7 khi m\u1ed9t kh\u00e1ch s\u1ea1n m\u00e0 h\u1ecd cung c\u1ea5p ph\u1ea3i \u0111\u00f3ng c\u1eeda do \u0111\u1ea1i d\u1ecbch.\nM\u1eb7c d\u00f9 kh\u00e1ch s\u1ea1n c\u00f3 th\u1ec3 hi\u1ec3n th\u1ecb “s\u1ef1 xu\u1ea5t hi\u1ec7n” d\u1ef1a tr\u00ean s\u1ef1 l\u00e2y lan th\u1ef1c t\u1ebf, nh\u01b0ng c\u00f4ng ty d\u1ecbch v\u1ee5 th\u1ef1c ph\u1ea9m c\u00f3 th\u1ec3 kh\u00f4ng.\nTuy nhi\u00ean, n\u1ebfu c\u00f4ng ty d\u1ecbch v\u1ee5 th\u1ef1c ph\u1ea9m c\u00f3 chu\u1ed7i cung \u1ee9ng ho\u1eb7c b\u1ea3o hi\u1ec3m gi\u00e1n \u0111o\u1ea1n kinh doanh d\u1ef1 ph\u00f2ng, h\u1ecd c\u00f3 th\u1ec3 d\u1ef1a v\u00e0o ph\u1ea1m vi b\u1ea3o hi\u1ec3m \u0111\u00f3 \u0111\u1ec3 gi\u1ea3i quy\u1ebft t\u1ed5n th\u1ea5t t\u1eeb vi\u1ec7c \u0111\u00f3ng c\u1eeda kh\u00e1ch s\u1ea1n. <\/p>\n\n Tuy nhi\u00ean, li\u1ec7u m\u1ed9t doanh nghi\u1ec7p c\u00f3 th\u1ec3 d\u1ef1a v\u00e0o b\u1ea3o hi\u1ec3m t\u00f9y ch\u1ecdn hay kh\u00f4ng ph\u1ee5 thu\u1ed9c v\u00e0o vi\u1ec7c doanh nghi\u1ec7p \u0111\u00e3 mua b\u1ea3o hi\u1ec3m \u0111\u00f3 ngay t\u1eeb \u0111\u1ea7u hay ch\u01b0a.<\/p>\n\n B\u1edfi v\u00ec ng\u00f4n ng\u1eef ch\u00ednh s\u00e1ch c\u1ee5 th\u1ec3 kh\u00e1c nhau, v\u00e0 b\u1edfi v\u00ec m\u1ed9t s\u1ed1 lo\u1ea1i b\u1ea3o hi\u1ec3m ch\u1ec9 c\u00f3 s\u1eb5n b\u1eb1ng c\u00e1ch ch\u1ee9ng th\u1ef1c ho\u1eb7c ng\u01b0\u1eddi l\u00e1i, “kh\u00f4ng c\u00f3 quy t\u1eafc c\u1ee9ng nh\u1eafc v\u00e0 nhanh ch\u00f3ng v\u1ec1 vi\u1ec7c li\u1ec7u b\u1ea5t k\u1ef3 lo\u1ea1i khi\u1ebfu n\u1ea1i c\u1ee5 th\u1ec3 n\u00e0o s\u1ebd \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m”, Thomas H. Bentz Jr. v\u00e0 Joseph Guay<\/a>, \u0111\u1ed1i t\u00e1c t\u1ea1i c\u00f4ng ty lu\u1eadt Holland &Knight cho bi\u1ebft.<\/p>\n\n Xem x\u00e9t m\u1ed9t ch\u00ednh s\u00e1ch v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u1ee7a h\u1ecd l\u00e0 c\u00e1ch duy nh\u1ea5t \u0111\u1ec3 c\u00e1c doanh nghi\u1ec7p bi\u1ebft ch\u1eafc ch\u1eafn li\u1ec7u c\u00e1c y\u00eau c\u1ea7u li\u00ean quan \u0111\u1ebfn COVID-19 c\u1ee7a h\u1ecd c\u00f3 \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m hay kh\u00f4ng v\u00e0 \u1edf m\u1ee9c \u0111\u1ed9 n\u00e0o, Bentz v\u00e0 Guay vi\u1ebft.\nKh\u00e1ch h\u00e0ng s\u1ebd ph\u1ee5 thu\u1ed9c v\u00e0o c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u1ee7a h\u1ecd \u0111\u1ec3 gi\u1ea3i th\u00edch ph\u1ea1m vi b\u1ea3o hi\u1ec3m, l\u00e0m r\u00f5 c\u00e1c \u0111i\u1ec1u kho\u1ea3n nh\u1ea5t \u0111\u1ecbnh v\u00e0 cung c\u1ea5p h\u1ed7 tr\u1ee3 n\u1ebfu c\u00f3. <\/p>\n\n Ng\u00f4n ng\u1eef c\u1ee7a c\u00e1c \u0111i\u1ec1u kho\u1ea3n ch\u00ednh s\u00e1ch c\u1ee5 th\u1ec3 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn c\u00e1c tuy\u00ean b\u1ed1 v\u00e0 ph\u1ea1m vi b\u1ea3o hi\u1ec3m li\u00ean quan \u0111\u1ebfn COVID-19.\nKhi c\u00e1c ch\u00ednh quy\u1ec1n v\u00e0 c\u01a1 quan \u0111\u1ecba ph\u01b0\u01a1ng, ti\u1ec3u bang v\u00e0 li\u00ean bang t\u00ecm c\u00e1ch gi\u1ea3i quy\u1ebft \u0111\u1ea1i d\u1ecbch, c\u00e1c quy\u1ebft \u0111\u1ecbnh \u0111\u01b0\u1ee3c \u0111\u01b0a ra \u1edf c\u00e1c c\u1ea5p n\u00e0y c\u0169ng s\u1ebd \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn c\u00e1ch \u00e1p d\u1ee5ng c\u00e1c ch\u00ednh s\u00e1ch, Shawn Hanson<\/a> v\u00e0 c\u00e1c chuy\u00ean gia ph\u00e1p l\u00fd kh\u00e1c t\u1ea1i c\u00f4ng ty lu\u1eadt Akin Gump vi\u1ebft. <\/p>\n\n M\u1ed9t v\u00ed d\u1ee5 l\u00e0 d\u1ef1 lu\u1eadt \u1edf New Jersey y\u00eau c\u1ea7u c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n chi tr\u1ea3 cho c\u00e1c y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng gi\u00e1n \u0111o\u1ea1n kinh doanh li\u00ean quan \u0111\u1ebfn COVID-19.\nD\u1ef1 lu\u1eadt \u0111\u01b0\u1ee3c gi\u1edbi thi\u1ec7u v\u00e0o gi\u1eefa th\u00e1ng 3 nh\u01b0ng \u0111\u00e3 b\u1ecb \u0110\u1ea1i h\u1ed9i \u0111\u1ed3ng New Jersey xem x\u00e9t m\u1ed9t th\u1eddi gian ng\u1eafn sau \u0111\u00f3.\nNh\u00e0 t\u00e0i tr\u1ee3 c\u1ee7a d\u1ef1 lu\u1eadt tuy\u00ean b\u1ed1 r\u1eb1ng \u00f4ng mu\u1ed1n cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m th\u00eam th\u1eddi gian \u0111\u1ec3 quy\u1ebft \u0111\u1ecbnh c\u00f3 n\u00ean t\u1ef1 m\u1edf r\u1ed9ng ph\u1ea1m vi b\u1ea3o hi\u1ec3m nh\u01b0 v\u1eady hay kh\u00f4ng, Lorelie S. Masters, Michael S. Levine v\u00e0 Kevin V. Small<\/a> t\u1ea1i c\u00f4ng ty lu\u1eadt Hunton Andrews Kurth gi\u1ea3i th\u00edch. <\/p>\n\n C\u00e1c ti\u1ec3u bang kh\u00e1c \u0111\u00e3 l\u00e0m theo.\nV\u00e0o ng\u00e0y 24 th\u00e1ng 3 n\u0103m 2020, c\u01a1 quan l\u1eadp ph\u00e1p c\u1ee7a Ohio \u0111\u00e3 gi\u1edbi thi\u1ec7u m\u1ed9t d\u1ef1 lu\u1eadt y\u00eau c\u1ea7u c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m ph\u1ea3i b\u1ed3i th\u01b0\u1eddng c\u00e1c t\u1ed5n th\u1ea5t li\u00ean quan \u0111\u1ebfn COVID-19. <\/p>\n\n Gi\u1ed1ng nh\u01b0 d\u1ef1 lu\u1eadt New Jersey, d\u1ef1 lu\u1eadt Ohio s\u1ebd cho ph\u00e9p c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m y\u00eau c\u1ea7u T\u1ed5ng Gi\u00e1m \u0111\u1ed1c B\u1ea3o hi\u1ec3m c\u1ee7a ti\u1ec3u bang b\u1ed3i ho\u00e0n cho c\u00e1c y\u00eau c\u1ea7u \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m.\nD\u1ef1 lu\u1eadt c\u1ee7a Ohio c\u0169ng c\u00f3 nh\u1eefng h\u1ea1n ch\u1ebf kh\u00e1c: N\u00f3 ch\u1ec9 \u00e1p d\u1ee5ng cho kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m \u1edf Ohio, c\u00f3 t\u1eeb 100 nh\u00e2n vi\u00ean \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n tr\u1edf xu\u1ed1ng v\u00e0 c\u00f3 b\u1ea3o hi\u1ec3m gi\u00e1n \u0111o\u1ea1n kinh doanh v\u00e0o ng\u00e0y d\u1ef1 lu\u1eadt c\u00f3 hi\u1ec7u l\u1ef1c. <\/p>\n\n C\u1ea3 d\u1ef1 lu\u1eadt Ohio v\u00e0 New Jersey \u0111\u1ec1u kh\u00f4ng \u0111\u1ec1 c\u1eadp \u0111\u1ebfn vi\u1ec7c lo\u1ea1i tr\u1eeb t\u1ed5n th\u1ea5t do virus ho\u1eb7c vi khu\u1ea9n, \u0111\u00e2y l\u00e0 m\u1ed9t t\u00ednh n\u0103ng ph\u1ed5 bi\u1ebfn trong c\u00e1c ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m kinh doanh.\nS\u1ef1 im l\u1eb7ng c\u1ee7a c\u00e1c d\u1ef1 lu\u1eadt v\u1ec1 lo\u1ea1i tr\u1eeb n\u00e0y c\u00f3 th\u1ec3 g\u00e2y r\u1eafc r\u1ed1i cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m, l\u01b0u \u00fd c\u00e1c lu\u1eadt s\u01b0 Anthony L. Miscioscia v\u00e0 Timothy A. Carroll<\/a> t\u1ea1i White and Williams. <\/p>\n\n “Do \u0111\u00f3, d\u1ef1 lu\u1eadt s\u1ebd bu\u1ed9c c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m ph\u1ea3i tr\u1ea3 ti\u1ec1n cho nh\u1eefng t\u1ed5n th\u1ea5t, ngay t\u1eeb \u0111\u1ea7u, kh\u00f4ng c\u1ea5u th\u00e0nh ‘t\u1ed5n th\u1ea5t ho\u1eb7c thi\u1ec7t h\u1ea1i v\u1eadt ch\u1ea5t tr\u1ef1c ti\u1ebfp’ \u0111\u1ed1i v\u1edbi t\u00e0i s\u1ea3n \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m, v\u00e0 d\u01b0\u1eddng nh\u01b0 c\u0169ng c\u00f3 \u00fd \u0111\u1ecbnh y\u00eau c\u1ea7u thanh to\u00e1n m\u1eb7c d\u00f9 c\u00f3 s\u1ef1 lo\u1ea1i tr\u1eeb Virus r\u00f5 r\u00e0ng c\u1ee7a ch\u00ednh s\u00e1ch, “Miscioscia v\u00e0 Carroll n\u00f3i.<\/p>\n\n Hi\u1ec7n t\u1ea1i, d\u1ef1 lu\u1eadt New Jersey kh\u00f4ng c\u00f2n tr\u00ean s\u00e0n c\u1ee7a Qu\u1ed1c h\u1ed9i ti\u1ec3u bang.\nTuy nhi\u00ean, d\u1ef1 lu\u1eadt Ohio v\u1eabn c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c ti\u1ec3u bang th\u00f4ng qua v\u00e0 c\u00e1c ti\u1ec3u bang kh\u00e1c c\u00f3 th\u1ec3 ban h\u00e0nh c\u00e1c phi\u00ean b\u1ea3n lu\u1eadt t\u01b0\u01a1ng t\u1ef1 c\u1ee7a ri\u00eang h\u1ecd. <\/p>\n\n “S\u1ed1 ng\u01b0\u1eddi b\u1ecb \u1ea3nh h\u01b0\u1edfng v\u00e0 t\u1eed vong b\u1edfi virus s\u1ebd ti\u1ebfp t\u1ee5c t\u0103ng \u1edf m\u1ed9t s\u1ed1 qu\u1ed1c gia ng\u00e0y c\u00e0ng t\u0103ng”, Mitch Wein<\/a>, ph\u00f3 ch\u1ee7 t\u1ecbch c\u1ea5p cao v\u1ec1 nghi\u00ean c\u1ee9u v\u00e0 t\u01b0 v\u1ea5n t\u1ea1i Novarica trong Insurance Innovation Reporter cho bi\u1ebft.\nC\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 mong \u0111\u1ee3i s\u1ef1 gi\u00e1n \u0111o\u1ea1n kinh doanh, cho c\u1ea3 b\u1ea3n th\u00e2n h\u1ecd v\u00e0 kh\u00e1ch h\u00e0ng c\u1ee7a h\u1ecd, trong nhi\u1ec1u th\u00e1ng t\u1edbi. <\/p>\n\n M\u1ed9t s\u1ed1 c\u01a1 quan b\u1ea3o hi\u1ec3m \u0111\u00e3 cung c\u1ea5p c\u00e1c c\u00f4ng c\u1ee5 cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u1ec3 gi\u1ea3i quy\u1ebft t\u1ed1t h\u01a1n c\u00e1c m\u1ed1i quan t\u00e2m v\u1ec1 \u0111\u1ea1i d\u1ecbch.\nV\u00ed d\u1ee5, V\u0103n ph\u00f2ng D\u1ecbch v\u1ee5 B\u1ea3o hi\u1ec3m g\u1ea7n \u0111\u00e2y \u0111\u00e3 ph\u00e1t h\u00e0nh hai x\u00e1c nh\u1eadn t\u00f9y ch\u1ecdn cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u1ec3 cung c\u1ea5p b\u1ea3o hi\u1ec3m gi\u00e1n \u0111o\u1ea1n kinh doanh h\u1ea1n ch\u1ebf trong c\u00e1c t\u00ecnh hu\u1ed1ng li\u00ean quan \u0111\u1ebfn COVID-19, Christine G. Barlow<\/a> vi\u1ebft trong PropertyCasualty360. <\/p>\n\n C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u00f4ng ch\u1ec9 l\u00e0 nh\u00e0 cung c\u1ea5p b\u1ea3o hi\u1ec3m kinh doanh.\nB\u1ea3n th\u00e2n h\u1ecd c\u0169ng l\u00e0 nh\u1eefng doanh nghi\u1ec7p.\nDo \u0111\u00f3, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd c\u1ea7n xem x\u00e9t c\u00e1c y\u1ebfu t\u1ed1 li\u00ean quan \u0111\u1ebfn kinh doanh c\u1ee7a ri\u00eang h\u1ecd, ch\u1eb3ng h\u1ea1n nh\u01b0 l\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 h\u1ed7 tr\u1ee3 l\u1ef1c l\u01b0\u1ee3ng lao \u0111\u1ed9ng ch\u1ee7 y\u1ebfu t\u1eeb xa t\u1ea1i th\u1eddi \u0111i\u1ec3m m\u1ed9t s\u1ed1 l\u01b0\u1ee3ng \u0111\u00e1ng k\u1ec3 kh\u00e1ch h\u00e0ng b\u1ea3o hi\u1ec3m c\u1ea7n t\u01b0 v\u1ea5n tr\u1ef1c ti\u1ebfp t\u1eeb c\u00e1c chuy\u00ean gia b\u1ea3o hi\u1ec3m. <\/p>\n\n V\u1eabn c\u00f2n nhi\u1ec1u \u0111i\u1ec1u ch\u01b0a bi\u1ebft v\u1ec1 nh\u1eefng \u1ea3nh h\u01b0\u1edfng c\u1ee7a COVID-19 \u0111\u1ed1i v\u1edbi doanh nghi\u1ec7p v\u00e0 x\u00e3 h\u1ed9i n\u00f3i chung.\nTuy nhi\u00ean, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 \u0111\u01b0a ra m\u1ed9t s\u1ed1 quy\u1ebft \u0111\u1ecbnh nh\u1ea5t \u0111\u1ecbnh d\u1ef1a tr\u00ean ng\u00f4n ng\u1eef ch\u00ednh s\u00e1ch v\u00e0 c\u00e1c m\u00f4 h\u00ecnh d\u1eef li\u1ec7u c\u00f3 s\u1eb5n.\nB\u1eb1ng c\u00e1ch gi\u00fap c\u00e1c doanh nghi\u1ec7p hi\u1ec3u v\u00e0 t\u1eadn d\u1ee5ng s\u1ef1 gi\u00fap \u0111\u1ee1 c\u00f3 s\u1eb5n cho h\u1ecd, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m gi\u1ea3i quy\u1ebft r\u1ee7i ro v\u00e0 cung c\u1ea5p m\u1ed9t l\u1ef1c l\u01b0\u1ee3ng \u1ed5n \u0111\u1ecbnh trong n\u1ec1n kinh t\u1ebf. <\/p>\n\n *\u1ea2nh: langstrup\/\u00a9123RF.com, Aekkarak Thongjiew\/\u00a9123RF.com, ammentorp\/\u00a9123RF.com *<\/p>\n","protected":false},"excerpt":{"rendered":" COVID-19 \u0111\u00e3 l\u00e0m gi\u00e1n \u0111o\u1ea1n c\u00e1c doanh nghi\u1ec7p tr\u00ean to\u00e0n th\u1ebf gi\u1edbi. Ngay c\u1ea3 nh\u1eefng doanh nghi\u1ec7p v\u1eabn m\u1edf c\u1eeda c\u0169ng g\u1eb7p kh\u00f3 kh\u0103n trong vi\u1ec7c b\u1ea3o v\u1ec7 ng\u01b0\u1eddi lao \u0111\u1ed9ng v\u00e0 qu\u1ea3n l\u00fd s\u1ef1 l\u00e2y lan. Nh\u1eefng ng\u01b0\u1eddi \u0111\u00e3 \u0111\u00f3ng c\u1eeda theo l\u1ec7nh c\u1ee7a ch\u00ednh ph\u1ee7 c\u0169ng ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi vi\u1ec7c m\u1ea5t thu […]<\/p>\n","protected":false},"featured_media":8115,"template":"","insight-category":[],"class_list":["post-20689","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight\/20689","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\/8115"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/media?parent=20689"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight-category?post=20689"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}B\u1ea3o hi\u1ec3m t\u00f9y ch\u1ecdn v\u00e0 COVID-19<\/h2>\n\n
B\u1ea3o hi\u1ec3m t\u1eebng tr\u01b0\u1eddng h\u1ee3p<\/h2>\n\n
Ph\u1ea3n \u1ee9ng c\u1ee7a ch\u00ednh ph\u1ee7 \u0111\u1ed1i v\u1edbi nhu c\u1ea7u b\u1ea3o hi\u1ec3m c\u1ee7a doanh nghi\u1ec7p<\/h1>\n\n
C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 mong \u0111\u1ee3i \u0111i\u1ec1u g\u00ec?<\/h1>\n\n