{"id":20723,"date":"2024-09-27T11:08:37","date_gmt":"2024-09-27T16:08:37","guid":{"rendered":"https:\/\/bolttech.io\/insights\/cac-chinh-sach-ca-nhan-thuong-mai-ket-hop-se-thong-tri-doanh-nghiep-nho\/"},"modified":"2024-09-27T11:08:43","modified_gmt":"2024-09-27T16:08:43","slug":"cac-chinh-sach-ca-nhan-thuong-mai-ket-hop-se-thong-tri-doanh-nghiep-nho","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/vi\/insights\/cac-chinh-sach-ca-nhan-thuong-mai-ket-hop-se-thong-tri-doanh-nghiep-nho\/","title":{"rendered":"C\u00e1c ch\u00ednh s\u00e1ch c\u00e1 nh\u00e2n \/ th\u01b0\u01a1ng m\u1ea1i k\u1ebft h\u1ee3p s\u1ebd th\u1ed1ng tr\u1ecb doanh nghi\u1ec7p nh\u1ecf?"},"content":{"rendered":"\n<p>Ranh gi\u1edbi gi\u1eefa cu\u1ed9c s\u1ed1ng c\u00e1 nh\u00e2n v\u00e0 cu\u1ed9c s\u1ed1ng kinh doanh \u0111\u00e3 m\u1edd \u0111i trong nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y.\n <a href=\"https:\/\/www.boltinc.com\/insights\/blogs\/gig-economy\/?__hstc=103362207.8432e18fe1b4e270bd8d783f6794e506.1724072077526.1724252449792.1724256511253.9&amp;__hssc=103362207.7.1725204964040&amp;__hsfp=3405490495\" target=\"_blank\" rel=\"noreferrer noopener\">N\u1ec1n kinh t\u1ebf gig<\/a> v\u00e0 c\u00e1c l\u1ef1a ch\u1ecdn l\u00e0m vi\u1ec7c t\u1eeb xa \u0111\u00e3 khuy\u1ebfn kh\u00edch ng\u01b0\u1eddi lao \u0111\u1ed9ng \u0111\u01b0a kh\u00f4ng gian s\u1ed1ng v\u00e0 t\u00e0i s\u1ea3n c\u00e1 nh\u00e2n c\u1ee7a h\u1ecd v\u00e0o s\u1eed d\u1ee5ng c\u00f3 l\u1ee3i nhu\u1eadn.\nC\u00e1c bi\u1ec7n ph\u00e1p gi\u00e3n c\u00e1ch x\u00e3 h\u1ed9i \u0111\u00e3 bi\u1ebfn nhi\u1ec1u c\u00f4ng vi\u1ec7c th\u00e0nh c\u00f4ng vi\u1ec7c t\u1eeb xa, v\u00e0 nhi\u1ec1u ch\u1ee7 doanh nghi\u1ec7p nh\u1ecf v\u00e0 doanh nh\u00e2n th\u1ea5y m\u00ecnh ch\u1ec9 ho\u1ea1t \u0111\u1ed9ng t\u1ea1i nh\u00e0.  <\/p>\n\n<p>Khi s\u1ef1 kh\u00e1c bi\u1ec7t gi\u1eefa s\u1eed d\u1ee5ng c\u00e1 nh\u00e2n v\u00e0 th\u01b0\u01a1ng m\u1ea1i bi\u1ebfn m\u1ea5t, s\u1ef1 nh\u1ea7m l\u1eabn v\u1ec1 ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m n\u00e0o \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng trong c\u00e1c t\u00ecnh hu\u1ed1ng t\u0103ng l\u00ean.\nM\u1ed9t c\u00e2u tr\u1ea3 l\u1eddi l\u00e0 cung c\u1ea5p b\u1ea3o hi\u1ec3m k\u1ebft h\u1ee3p cho c\u1ea3 y\u00eau c\u1ea7u P&amp;C c\u00e1 nh\u00e2n v\u00e0 th\u01b0\u01a1ng m\u1ea1i. <\/p>\n\n<h2 class=\"wp-block-heading\">S\u1ef1 tr\u1ed7i d\u1eady c\u1ee7a c\u00e1c ch\u00ednh s\u00e1ch lai<\/h2>\n\n<p>T\u00ednh \u0111\u1ebfn n\u0103m 2018, M\u1ef9 c\u00f3 kho\u1ea3ng 30,2 tri\u1ec7u doanh nghi\u1ec7p nh\u1ecf, chi\u1ebfm h\u01a1n 99% c\u00e1c th\u1ef1c th\u1ec3 kinh doanh ho\u1ea1t \u0111\u1ed9ng tr\u00ean to\u00e0n qu\u1ed1c, theo <a href=\"https:\/\/www.sba.gov\/sites\/default\/files\/advocacy\/2018-Small-Business-Profiles-US.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">C\u01a1 quan Qu\u1ea3n l\u00fd Doanh nghi\u1ec7p Nh\u1ecf<\/a> (SBA)\nT\u1edd th\u00f4ng tin SBA.\nC\u00e1c doanh nghi\u1ec7p n\u00e0y s\u1eed d\u1ee5ng 47,5% t\u1ed5ng s\u1ed1 nh\u00e2n vi\u00ean Hoa K\u1ef3.  <\/p>\n\n<p>C\u00e1c doanh nghi\u1ec7p n\u00e0y cung c\u1ea5p c\u01a1 h\u1ed9i l\u1edbn cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m.\n&#8220;B\u00ed quy\u1ebft \u0111\u00e3 nh\u1eafm m\u1ee5c ti\u00eau v\u00e0o c\u00e1c doanh nghi\u1ec7p nh\u01b0 v\u1eady m\u1ed9t c\u00e1ch c\u00f3 l\u1ee3i nhu\u1eadn, \u0111\u1eb7c bi\u1ec7t l\u00e0 nh\u1ecf nh\u1ea5t trong s\u1ed1 c\u00e1c c\u00f4ng ty nh\u1ecf &#8211; 24 tri\u1ec7u c\u00f4ng ty kh\u00f4ng s\u1eed d\u1ee5ng lao \u0111\u1ed9ng, chi\u1ebfm kho\u1ea3ng 80% t\u1ed5ng s\u1ed1 doanh nghi\u1ec7p&#8221;, <a href=\"https:\/\/www.dig-in.com\/news\/big-digital-boosts-small-commercial-lines\" target=\"_blank\" rel=\"noreferrer noopener\">Anne Rawland Gabriel<\/a> t\u1ea1i B\u1ea3o hi\u1ec3m k\u1ef9 thu\u1eadt s\u1ed1 cho bi\u1ebft. <\/p>\n\n<p>Nh\u1eefng &#8220;c\u00f4ng ty kh\u00f4ng s\u1eed d\u1ee5ng lao \u0111\u1ed9ng&#8221; n\u00e0y bao g\u1ed3m c\u00e1c ch\u1ee7 s\u1edf h\u1eefu duy nh\u1ea5t v\u00e0 quan h\u1ec7 \u0111\u1ed1i t\u00e1c.\nN\u00f3i chung, h\u1ecd c\u0169ng bao g\u1ed3m nh\u1eefng ng\u01b0\u1eddi lao \u0111\u1ed9ng h\u1ee3p \u0111\u1ed3ng v\u00e0 d\u1ecbch gi\u1ea3 t\u1ef1 do, nh\u1eefng ng\u01b0\u1eddi c\u00f3 t\u00e0i s\u1ea3n c\u00e1 nh\u00e2n, nh\u00e0 c\u1eeda v\u00e0 cu\u1ed9c s\u1ed1ng h\u00e0ng ng\u00e0y kh\u00f4ng th\u1ec3 t\u00e1ch r\u1eddi kh\u1ecfi n\u1ed7 l\u1ef1c kinh doanh c\u1ee7a h\u1ecd. <\/p>\n\n<h3 class=\"wp-block-heading\">R\u1ee7i ro cho c\u00e1c doanh nghi\u1ec7p nh\u1ecf<\/h3>\n\n<p>C\u1ea3 ch\u1ee7 s\u1edf h\u1eefu duy nh\u1ea5t v\u00e0 doanh nghi\u1ec7p nh\u1ecf \u0111\u1ec1u ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi r\u1ee7i ro t\u00e0i ch\u00ednh t\u1eeb nhi\u1ec1u ngu\u1ed3n, bao g\u1ed3m c\u1ea3 c\u00e1c v\u1ee5 ki\u1ec7n ti\u1ec1m \u1ea9n.\nM\u1ed9t <a href=\"https:\/\/www.sba.gov\/sites\/default\/files\/files\/rs265tot.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">nghi\u00ean c\u1ee9u<\/a> n\u0103m 2005 c\u1ee7a SBA \u01b0\u1edbc t\u00ednh r\u1eb1ng \u0111\u1ed1i v\u1edbi c\u00e1c doanh nghi\u1ec7p nh\u1ecf, &#8220;chi ph\u00ed ph\u00e1p l\u00fd cho c\u00e1c v\u1ee5 ki\u1ec7n t\u1ee5ng th\u1ef1c t\u1ebf dao \u0111\u1ed9ng t\u1eeb 3.000 \u0111\u1ebfn 150.000 \u0111\u00f4 la&#8221;.\nV\u1edbi l\u1ea1m ph\u00e1t, ph\u1ea1m vi n\u00e0y r\u01a1i v\u00e0o kho\u1ea3ng t\u1eeb 4.000 \u0111\u1ebfn 200.000 \u0111\u00f4 la ng\u00e0y nay.  <\/p>\n\n<p>Cho \u0111\u1ebfn nay, b\u1ea3o hi\u1ec3m kinh t\u1ebf gig \u0111\u00e3 t\u1eadp trung v\u00e0o lo\u1ea1i c\u00f4ng vi\u1ec7c \u0111ang \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n.\nV\u00ed d\u1ee5, b\u1ea3o hi\u1ec3m cho c\u00e1c t\u00e0i x\u1ebf Uber v\u00e0 Lyft \u0111\u00e3 t\u1eadp trung v\u00e0o kh\u00eda c\u1ea1nh \u0111i chung xe trong c\u00f4ng vi\u1ec7c c\u1ee7a h\u1ecd. <\/p>\n\n<p>Lo\u1ea1i b\u1ea3o hi\u1ec3m n\u00e0y c\u00f3 th\u1ec3 di chuy\u1ec3n thu\u1eadn ti\u1ec7n cho ng\u01b0\u1eddi lao \u0111\u1ed9ng, <a href=\"https:\/\/medium.com\/cgo-benchmark\/who-benefits-from-the-gig-economy-7fec8d50d33\" target=\"_blank\" rel=\"noreferrer noopener\">Megan Jenkins<\/a>, gi\u00e1m \u0111\u1ed1c nghi\u00ean c\u1ee9u c\u1ee7a Trung t\u00e2m T\u0103ng tr\u01b0\u1edfng v\u00e0 C\u01a1 h\u1ed9i t\u1ea1i \u0110\u1ea1i h\u1ecdc Bang Utah vi\u1ebft.\nTuy nhi\u00ean, n\u00f3 thi\u1ebfu t\u00ednh linh ho\u1ea1t cho c\u00e1c doanh nghi\u1ec7p nh\u1ecf, d\u1ecbch gi\u1ea3 t\u1ef1 do v\u00e0 ch\u1ee7 s\u1edf h\u1eefu duy nh\u1ea5t mu\u1ed1n thay \u0111\u1ed5i ho\u1eb7c m\u1edf r\u1ed9ng n\u1ed7 l\u1ef1c kinh doanh c\u1ee7a h\u1ecd. <\/p>\n\n<p>C\u00e1c ch\u00ednh s\u00e1ch k\u1ebft h\u1ee3p th\u1ef1c s\u1ef1 cung c\u1ea5p s\u1ef1 linh ho\u1ea1t n\u00e0y.\nCh\u00fang cho ph\u00e9p c\u00e1c doanh nh\u00e2n l\u00e0m vi\u1ec7c t\u1ea1i nh\u00e0, thay \u0111\u1ed5i c\u00e1ch ti\u1ebfp c\u1eadn c\u1ee7a h\u1ecd nhi\u1ec1u l\u1ea7n n\u1ebfu c\u1ea7n thi\u1ebft \u0111\u1ec3 th\u00e0nh c\u00f4ng v\u00e0 th\u1eadm ch\u00ed ph\u00e1t tri\u1ec3n m\u1ea1nh trong c\u00f4ng vi\u1ec7c h\u1ecd \u0111\u00e3 ch\u1ecdn.\nCh\u00fang chi\u1ebfm c\u1ea3 vi\u1ec7c s\u1eed d\u1ee5ng kinh doanh v\u00e0 c\u00e1 nh\u00e2n c\u00e1c t\u00e0i s\u1ea3n quan tr\u1ecdng nh\u01b0 \u00f4 t\u00f4, m\u00e1y t\u00ednh v\u00e0 c\u00e1c thi\u1ebft b\u1ecb kh\u00e1c.  <\/p>\n\n<h3 class=\"wp-block-heading\">B\u1ea3o hi\u1ec3m k\u1ebft h\u1ee3p v\u00e0 l\u00e0m vi\u1ec7c t\u1eeb xa<\/h3>\n\n<p>Khi ng\u01b0\u1eddi lao \u0111\u1ed9ng chuy\u1ec3n c\u00f4ng vi\u1ec7c c\u1ee7a h\u1ecd t\u1eeb v\u0103n ph\u00f2ng sang nh\u00e0 \u0111\u1ec3 tu\u00e2n th\u1ee7 c\u00e1c l\u1ec7nh t\u1ea1m tr\u00fa t\u1ea1i ch\u1ed7, \u0111i\u1ec1u quan tr\u1ecdng l\u00e0 c\u00e1c doanh nghi\u1ec7p v\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m ph\u1ea3i xem x\u00e9t nhu c\u1ea7u b\u1ea3o hi\u1ec3m c\u1ee7a t\u00ecnh hu\u1ed1ng l\u00e0m vi\u1ec7c t\u1ea1i nh\u00e0.<\/p>\n\n<p>C\u00e1c doanh nghi\u1ec7p thu\u1ed9c m\u1ecdi quy m\u00f4 c\u00f3 th\u1ec3 ph\u1ea3n \u1ee9ng b\u1eb1ng c\u00e1ch ki\u1ec3m tra b\u1ea3o hi\u1ec3m ch\u1ee7 nh\u00e0 c\u1ee7a ng\u01b0\u1eddi lao \u0111\u1ed9ng, v\u00ed d\u1ee5.\nTuy nhi\u00ean, b\u1ea3o hi\u1ec3m n\u00e0y s\u1ebd kh\u00f4ng gi\u1ea3i quy\u1ebft m\u1ecdi r\u1ee7i ro \u0111i k\u00e8m v\u1edbi m\u1ed9t nh\u00e2n vi\u00ean t\u1eeb xa l\u00e0m c\u00f4ng vi\u1ec7c c\u1ee7a h\u1ecd \u1edf nh\u00e0. <\/p>\n\n<p>&#8220;T\u1eeb quan \u0111i\u1ec3m c\u1ee7a ng\u01b0\u1eddi s\u1eed d\u1ee5ng lao \u0111\u1ed9ng, r\u1ee7i ro b\u1ed3i th\u01b0\u1eddng cho ng\u01b0\u1eddi lao \u0111\u1ed9ng l\u1edbn h\u01a1n [when employees work from home].\nV\u1edbi s\u1ef1 thay \u0111\u1ed5i trong m\u00f4i tr\u01b0\u1eddng l\u00e0m vi\u1ec7c mang l\u1ea1i ti\u1ec1m n\u0103ng cho c\u00e1c m\u1ed1i nguy hi\u1ec3m b\u1ed5 sung, \u0111\u1eb7c bi\u1ec7t l\u00e0 v\u00ec kh\u00f4ng c\u00f3 b\u1ed9 ph\u1eadn nh\u00e2n s\u1ef1 ho\u1eb7c nh\u00e2n vi\u00ean b\u1ea3o tr\u00ec t\u1ea1i ch\u1ed7 \u0111\u1ec3 gi\u1ea3m thi\u1ec3u c\u00e1c th\u01b0\u01a1ng t\u00edch ti\u1ec1m \u1ea9n, <a href=\"https:\/\/www.integrityfirst.net\/blog\/is-my-home-business-covered-by-my-homeowners-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">&#8220;Alexa Steffes<\/a> t\u1ea1i B\u1ea3o hi\u1ec3m Li\u00eam ch\u00ednh \u0110\u1ea7u ti\u00ean n\u00f3i. <\/p>\n\n<p>Ch\u00ednh s\u00e1ch k\u1ebft h\u1ee3p ph\u00f9 h\u1ee3p c\u00f3 th\u1ec3 gi\u00fap gi\u1ea3i quy\u1ebft v\u1ea5n \u0111\u1ec1 n\u00e0y cho ch\u1ee7 lao \u0111\u1ed9ng v\u00e0 nh\u00e2n vi\u00ean, bao g\u1ed3m c\u1ea3 vi\u1ec7c s\u1eed d\u1ee5ng nh\u00e0 kinh doanh v\u00e0 c\u00e1 nh\u00e2n.<\/p>\n\n<p>C\u00e1c m\u00f4 h\u00ecnh l\u00e0m vi\u1ec7c t\u1ea1i nh\u00e0 c\u0169ng t\u1ea1o ra nh\u1eefng r\u1ee7i ro m\u1ea1ng m\u1edbi, theo <a href=\"https:\/\/www.insurancejournal.com\/news\/national\/2020\/03\/19\/561702.htm\" target=\"_blank\" rel=\"noreferrer noopener\">Kartikay Mehrotra, William Turton v\u00e0 Alyza Seenius<\/a> t\u1ea1i T\u1ea1p ch\u00ed B\u1ea3o hi\u1ec3m.\nC\u00e1c ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m bao g\u1ed3m c\u00f4ng vi\u1ec7c t\u1eeb xa, c\u0169ng nh\u01b0 c\u00f4ng vi\u1ec7c c\u1ee7a ch\u1ee7 s\u1edf h\u1eefu duy nh\u1ea5t v\u00e0 c\u00e1c ch\u1ee7 doanh nghi\u1ec7p nh\u1ecf kh\u00e1c, c\u00f3 th\u1ec3 gi\u00fap b\u1ea3o v\u1ec7 ch\u1ed1ng l\u1ea1i c\u00e1c r\u1ee7i ro nh\u01b0 \u0111\u00e1nh c\u1eafp d\u1eef li\u1ec7u quan tr\u1ecdng khi m\u00e1y l\u00e0m vi\u1ec7c v\u00f4 t\u00ecnh k\u1ebft n\u1ed1i v\u1edbi \u0111i\u1ec3m Wi-Fi c\u00f4ng c\u1ed9ng. <\/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\/woman-packaging-orders-1024x682.jpg\" alt=\"\" class=\"wp-image-8293\" srcset=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/woman-packaging-orders-1024x682.jpg 1024w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/woman-packaging-orders-300x200.jpg 300w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/woman-packaging-orders-768x512.jpg 768w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/woman-packaging-orders.jpg 1280w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n<h2 class=\"wp-block-heading\">B\u1ea3o hi\u1ec3m lao \u0111\u1ed9ng t\u1ef1 do, h\u1ee3p \u0111\u1ed3ng v\u00e0 lao \u0111\u1ed9ng h\u1ee3p \u0111\u1ed3ng<\/h2>\n\n<p>C\u00e1c doanh nghi\u1ec7p nh\u1ecf nh\u1ea5t bao g\u1ed3m m\u1ed9t ng\u01b0\u1eddi, c\u00f3 n\u0103ng l\u1ef1c chi\u1ebfm to\u00e0n b\u1ed9 n\u0103ng l\u1ef1c c\u1ee7a doanh nghi\u1ec7p.\nCho d\u00f9 l\u00e0m vi\u1ec7c v\u1edbi t\u01b0 c\u00e1ch l\u00e0 ch\u1ee7 s\u1edf h\u1eefu duy nh\u1ea5t, nh\u00e2n vi\u00ean h\u1ee3p \u0111\u1ed3ng hay nh\u00e2n vi\u00ean h\u1ee3p \u0111\u1ed3ng, nh\u1eefng kh\u00e1ch h\u00e0ng b\u1ea3o hi\u1ec3m ti\u1ec1m n\u0103ng n\u00e0y th\u01b0\u1eddng kh\u00f4ng th\u1ea5y s\u1ef1 kh\u00e1c bi\u1ec7t gi\u1eefa t\u00e0i s\u1ea3n c\u00e1 nh\u00e2n v\u00e0 n\u1ee3 ph\u1ea3i tr\u1ea3 c\u1ee7a h\u1ecd v\u00e0 doanh nghi\u1ec7p c\u1ee7a h\u1ecd.\nC\u00e1c ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m lai s\u1ebd gi\u00fap h\u1ecd nhi\u1ec1u nh\u1ea5t, nh\u01b0ng c\u0169ng r\u1ea5t kh\u00f3 \u0111\u1ec3 nh\u1eefng ng\u01b0\u1eddi lao \u0111\u1ed9ng n\u00e0y t\u00ecm ho\u1eb7c \u0111\u1ee7 kh\u1ea3 n\u0103ng chi tr\u1ea3.  <\/p>\n\n<h3 class=\"wp-block-heading\">X\u00e2y d\u1ef1ng ni\u1ec1m tin trong n\u1ec1n kinh t\u1ebf Gig<\/h3>\n\n<p>N\u1ec1n kinh t\u1ebf bi\u1ec3u di\u1ec5n ph\u1ee5 thu\u1ed9c v\u00e0o ni\u1ec1m tin \u0111\u01b0\u1ee3c t\u1ea1o ra gi\u1eefa ng\u01b0\u1eddi mua, nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 v\u00e0 n\u1ec1n t\u1ea3ng c\u1ee7a b\u00ean th\u1ee9 ba k\u1ebft n\u1ed1i h\u1ecd.\nB\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 gi\u00fap x\u00e2y d\u1ef1ng v\u00e0 duy tr\u00ec ni\u1ec1m tin \u0111\u00f3. <\/p>\n\n<p>Hi\u1ec7n t\u1ea1i, nhi\u1ec1u n\u1ec1n t\u1ea3ng bi\u1ec3u di\u1ec5n, ch\u1eb3ng h\u1ea1n nh\u01b0 d\u1ecbch v\u1ee5 chia s\u1ebb chuy\u1ebfn \u0111i, kh\u00f4ng x\u00e2y d\u1ef1ng \u0111\u01b0\u1ee3c l\u00f2ng tin.\nPh\u01b0\u01a1ng ph\u00e1p ti\u1ebft l\u1ed9 th\u00f4ng tin quan tr\u1ecdng c\u1ee7a h\u1ecd, nh\u01b0 s\u1ed1 ti\u1ec1n v\u00e0 lo\u1ea1i b\u1ea3o hi\u1ec3m c\u00f3 s\u1eb5n, kh\u00f4ng t\u01b0\u01a1ng th\u00edch v\u1edbi c\u00e1ch m\u1ecdi ng\u01b0\u1eddi th\u1ef1c s\u1ef1 s\u1eed d\u1ee5ng n\u1ec1n t\u1ea3ng. <\/p>\n\n<p>&#8220;M\u1ed9t ph\u1ea7n l\u1ee3i th\u1ebf c\u1ee7a c\u00e1c d\u1ecbch v\u1ee5 n\u00e0y l\u00e0 t\u1ed1c \u0111\u1ed9 v\u00e0 s\u1ef1 ti\u1ec7n l\u1ee3i c\u1ee7a ch\u00fang, v\u00ec v\u1eady t\u1ea5t c\u1ea3 ch\u00fang ta \u0111\u1ec1u c\u00f3 xu h\u01b0\u1edbng nh\u1ea5p v\u00e0o &#8216;\u0110\u1ed3ng \u00fd&#8217; v\u1edbi c\u00e1c \u0111i\u1ec1u kho\u1ea3n v\u00e0 \u0111i\u1ec1u ki\u1ec7n v\u00e0 ti\u1ebfp t\u1ee5c. Nh\u01b0ng \u0111\u00f3 l\u00e0 n\u01a1i m\u00e0 s\u1ef1 tin t\u01b0\u1edfng c\u00f3 th\u1ec3 t\u1ea1o ra l\u1ed7 h\u1ed5ng ngo\u00e0i \u00fd mu\u1ed1n&#8221;, <a href=\"https:\/\/riskandinsurance.com\/the-sharing-economy-is-built-on-trust-and-managing-these-3-risks-can-help-sustain-it\/\" target=\"_blank\" rel=\"noreferrer noopener\">David Blessing<\/a>, ph\u00f3 ch\u1ee7 t\u1ecbch c\u1ea5p cao v\u00e0 gi\u00e1m \u0111\u1ed1c b\u1ea3o l\u00e3nh ph\u00e1t h\u00e0nh t\u1ea1i Liberty Mutual n\u00f3i.<\/p>\n\n<p>C\u00e1c ch\u00ednh s\u00e1ch k\u1ebft h\u1ee3p c\u00f3 th\u1ec3 th\u00fac \u0111\u1ea9y ni\u1ec1m tin b\u1eb1ng c\u00e1ch cung c\u1ea5p m\u1ed9t c\u00e1ch ti\u1ebfp c\u1eadn r\u00f5 r\u00e0ng h\u01a1n, to\u00e0n di\u1ec7n h\u01a1n \u0111\u1ed1i v\u1edbi ph\u1ea1m vi b\u1ea3o hi\u1ec3m.\nNh\u1eefng ng\u01b0\u1eddi mua c\u00e1c ch\u00ednh s\u00e1ch n\u00e0y c\u0169ng mua s\u1ef1 \u0111\u1ea3m b\u1ea3o r\u1eb1ng b\u1ea5t k\u1ec3 \u0111i\u1ec1u g\u00ec x\u1ea3y ra trong c\u00f4ng vi\u1ec7c bi\u1ec3u di\u1ec5n c\u1ee7a h\u1ecd, ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m c\u1ee7a h\u1ecd s\u1ebd c\u00f3 c\u00e2u tr\u1ea3 l\u1eddi. <\/p>\n\n<h3 class=\"wp-block-heading\">B\u1ea3n ch\u1ea5t ph\u00e1t tri\u1ec3n c\u1ee7a c\u00f4ng vi\u1ec7c c\u00e1 nh\u00e2n \/ th\u01b0\u01a1ng m\u1ea1i<\/h3>\n\n<p>C\u00e1c c\u00e1 nh\u00e2n v\u00e0 doanh nghi\u1ec7p nh\u1ecf thay \u0111\u1ed5i c\u00e1ch ti\u1ebfp c\u1eadn l\u00e0m vi\u1ec7c nhanh ch\u00f3ng.\nQuy m\u00f4 nh\u1ecf c\u1ee7a ch\u00fang mang l\u1ea1i s\u1ef1 linh ho\u1ea1t, nh\u01b0ng n\u00f3 c\u0169ng \u0111\u1eb7t ra th\u00e1ch th\u1ee9c cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m, nh\u1eefng ng\u01b0\u1eddi ph\u1ea3i \u0111\u00e1nh gi\u00e1 ch\u00ednh x\u00e1c r\u1ee7i ro v\u00e0 cung c\u1ea5p b\u1ea3o hi\u1ec3m. <\/p>\n\n<p>V\u00ed d\u1ee5, b\u1ea3o hi\u1ec3m cho c\u00e1c t\u00e0i x\u1ebf \u0111i chung xe l\u00e0 \u0111i\u1ec1u c\u1ea7n thi\u1ebft khi c\u00e1c t\u00e0i x\u1ebf \u0111ang v\u1eadn chuy\u1ec3n h\u00e0nh kh\u00e1ch t\u1eeb \u0111i\u1ec3m n\u00e0y sang \u0111i\u1ec3m kh\u00e1c.\nTuy nhi\u00ean, nh\u1eefng ng\u01b0\u1eddi l\u00e1i xe th\u1ef1c hi\u1ec7n giao h\u00e0ng th\u1ef1c ph\u1ea9m ho\u1eb7c b\u01b0u ki\u1ec7n c\u0169ng c\u00f3 th\u1ec3 c\u1ea7n b\u1ea3o hi\u1ec3m, <a href=\"https:\/\/fitsmallbusiness.com\/commercial-auto-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\">Jaclyn Moriarty<\/a> t\u1ea1i Fit Small Business vi\u1ebft. <\/p>\n\n<p>V\u1edbi s\u1ef1 gia t\u0103ng c\u1ee7a gi\u00e3n c\u00e1ch x\u00e3 h\u1ed9i v\u00e0 c\u00e1c bi\u1ec7n ph\u00e1p tr\u00fa \u1ea9n t\u1ea1i ch\u1ed7, c\u00e1c c\u00f4ng ty chia s\u1ebb xe nh\u01b0 Uber v\u00e0 Lyft \u0111ang chuy\u1ec3n tr\u1ecdng t\u00e2m t\u1eeb h\u00e0nh kh\u00e1ch sang giao h\u00e0ng.\nTuy nhi\u00ean, t\u00e0i x\u1ebf c\u1ee7a h\u1ecd c\u00f3 th\u1ec3 kh\u00f4ng hi\u1ec3u r\u1eb1ng kho\u1ea3ng tr\u1ed1ng trong ph\u1ea1m vi b\u1ea3o hi\u1ec3m c\u1ee7a h\u1ecd c\u00f3 th\u1ec3 t\u1ed3n t\u1ea1i ngay c\u1ea3 khi h\u1ecd \u0111ang l\u00e1i xe th\u1ef1c ph\u1ea9m ho\u1eb7c c\u00e1c m\u1eb7t h\u00e0ng kh\u00e1c quanh th\u1ecb tr\u1ea5n. <\/p>\n\n<p>C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 mang l\u1ea1i l\u1ee3i \u00edch cho nh\u1eefng ng\u01b0\u1eddi l\u00e1i xe n\u00e0y v\u00e0 x\u00e2y d\u1ef1ng m\u1ed1i quan h\u1ec7 kh\u00e1ch h\u00e0ng b\u1eb1ng c\u00e1ch \u0111\u1ea3m b\u1ea3o r\u1eb1ng c\u00e1c t\u00e0i x\u1ebf hi\u1ec3u b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 c\u00e1 nh\u00e2n c\u1ee7a h\u1ecd bao g\u1ed3m nh\u1eefng g\u00ec, c\u00e1c c\u00f4ng ty chia s\u1ebb chuy\u1ebfn \u0111i bao g\u1ed3m nh\u1eefng g\u00ec v\u00e0 l\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 l\u1ea5p \u0111\u1ea7y b\u1ea5t k\u1ef3 kho\u1ea3ng tr\u1ed1ng n\u00e0o.<\/p>\n\n<figure class=\"wp-block-image aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/man-on-sofa-1024x683.jpg\" alt=\"\" class=\"wp-image-8303\" srcset=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/man-on-sofa-1024x683.jpg 1024w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/man-on-sofa-300x200.jpg 300w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/man-on-sofa-768x512.jpg 768w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/man-on-sofa.jpg 1280w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n<h2 class=\"wp-block-heading\">Xu h\u01b0\u1edbng s\u1eafp t\u1edbi trong b\u1ea3o hi\u1ec3m c\u00e1 nh\u00e2n \/ th\u01b0\u01a1ng m\u1ea1i cho c\u00e1c doanh nghi\u1ec7p nh\u1ecf<\/h2>\n\n<p>Vi\u1ec7c quay tr\u1edf l\u1ea1i m\u1ed9t th\u1ebf gi\u1edbi trong \u0111\u00f3 cu\u1ed9c s\u1ed1ng c\u00e1 nh\u00e2n v\u00e0 cu\u1ed9c s\u1ed1ng c\u00f4ng vi\u1ec7c \u0111\u01b0\u1ee3c ph\u00e2n bi\u1ec7t r\u00f5 r\u00e0ng d\u01b0\u1eddng nh\u01b0 kh\u00f3 x\u1ea3y ra.\nC\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m nh\u00ecn v\u00e0o c\u00e1c xu h\u01b0\u1edbng hi\u1ec7n t\u1ea1i c\u00f3 th\u1ec3 d\u1ec5 d\u00e0ng x\u00e1c \u0111\u1ecbnh c\u00e1c c\u01a1 h\u1ed9i \u0111\u1ec3 gi\u1ea3i quy\u1ebft nhu c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng doanh nghi\u1ec7p nh\u1ecf theo c\u00e1ch c\u00e1c doanh nghi\u1ec7p \u0111\u00f3 th\u1ef1c s\u1ef1 ho\u1ea1t \u0111\u1ed9ng. <\/p>\n\n<h3 class=\"wp-block-heading\">C\u00e1c m\u00f4 h\u00ecnh b\u1ea3o hi\u1ec3m lai m\u1edbi n\u1ed5i cung c\u1ea5p h\u01b0\u1edbng d\u1eabn<\/h3>\n\n<p>\u0110i chung xe \u0111\u00e3 \u0111\u1eb7t ra m\u1ed9t s\u1ed1 c\u00e2u h\u1ecfi s\u1edbm nh\u1ea5t v\u1ec1 doanh nghi\u1ec7p nh\u1ecf lai v\u00e0 vi\u1ec7c s\u1eed d\u1ee5ng ph\u01b0\u01a1ng ti\u1ec7n c\u00e1 nh\u00e2n.<\/p>\n\n<p>&#8220;S\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a vi\u1ec7c \u0111i chung xe \u0111\u00e3 t\u1ea1o ra m\u1ed9t v\u1ea5n \u0111\u1ec1 cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 vi\u1ec7c h\u1ecd kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng th\u00edch \u1ee9ng v\u1edbi h\u00ecnh th\u1ee9c v\u1eadn chuy\u1ec3n m\u1edbi n\u00e0y \u0111\u00e3 khi\u1ebfn t\u00e0i x\u1ebf \u0111i chung xe c\u00f3 \u00edt l\u1ef1a ch\u1ecdn \u0111\u1ec3 \u0111\u01b0\u1ee3c b\u1ea3o v\u1ec7 khi \u0111i tr\u00ean \u0111\u01b0\u1eddng&#8221;, <a href=\"https:\/\/www.nsinsurance.com\/news\/buckle-rideshare-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\">Dustin Walsey<\/a>, \u0111\u1ed3ng s\u00e1ng l\u1eadp v\u00e0 CEO c\u1ee7a nh\u00e0 cung c\u1ea5p b\u1ea3o hi\u1ec3m chia s\u1ebb xe Buckle n\u00f3i.<\/p>\n\n<p>Tuy nhi\u00ean, s\u1ef1 gia t\u0103ng c\u1ee7a d\u1ecbch v\u1ee5 \u0111i chung xe c\u0169ng t\u1ea1o c\u01a1 h\u1ed9i cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m hi\u1ec3u r\u00f5 h\u01a1n v\u00e0 qu\u1ea3n l\u00fd c\u00e1c lo\u1ea1i r\u1ee7i ro m\u1edbi.\nV\u00ed d\u1ee5, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m nh\u01b0 Buckle hi\u1ec7n cung c\u1ea5p c\u00e1c ch\u00ednh s\u00e1ch duy nh\u1ea5t gi\u1ea3i quy\u1ebft c\u1ea3 nhu c\u1ea7u c\u00e1 nh\u00e2n v\u00e0 th\u01b0\u01a1ng m\u1ea1i c\u1ee7a c\u00e1c t\u00e0i x\u1ebf \u0111i chung xe.\nBuckle c\u0169ng cho ph\u00e9p ng\u01b0\u1eddi l\u00e1i xe t\u00f9y ch\u1ec9nh ch\u00ednh s\u00e1ch c\u1ee7a h\u1ecd \u1edf m\u1ed9t m\u1ee9c \u0111\u1ed9 n\u00e0o \u0111\u00f3, th\u1eadm ch\u00ed bao g\u1ed3m m\u1ed9t s\u1ed1 lo\u1ea1i b\u1ea3o hi\u1ec3m y t\u1ebf nh\u1ea5t \u0111\u1ecbnh.  <\/p>\n\n<p>C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u00e1c \u0111\u00e3 t\u1eadp trung v\u00e0o vi\u1ec7c cung c\u1ea5p b\u1ea3o hi\u1ec3m lai cho vi\u1ec7c s\u1eed d\u1ee5ng kinh doanh t\u1ea1i nh\u00e0 c\u1ee7a m\u1ed9t ng\u01b0\u1eddi ho\u1eb7c cho c\u00e1c thi\u1ebft b\u1ecb \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng trong c\u00f4ng vi\u1ec7c t\u1ef1 do, <a href=\"https:\/\/www.businessinsider.com\/insurtech-and-the-gig-economy-2018-12\" target=\"_blank\" rel=\"noreferrer noopener\">Lea Nonninger<\/a> vi\u1ebft t\u1ea1i Business Insider.\nM\u1ed9t s\u1ed1 c\u0169ng \u0111\u00e3 b\u1eaft \u0111\u1ea7u th\u1eed nghi\u1ec7m v\u1edbi ph\u1ea1m vi b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c b\u1eadt ho\u1eb7c t\u1eaft, t\u00f9y thu\u1ed9c v\u00e0o vi\u1ec7c m\u1ed9t v\u1ecb tr\u00ed ho\u1eb7c m\u1eb7t h\u00e0ng \u0111ang \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng cho m\u1ee5c \u0111\u00edch kinh doanh t\u1ea1i b\u1ea5t k\u1ef3 th\u1eddi \u0111i\u1ec3m n\u00e0o. <\/p>\n\n<h3 class=\"wp-block-heading\">T\u00e1c \u0111\u1ed9ng c\u1ee7a n\u1ec1n kinh t\u1ebf Gig \u0111\u1ed1i v\u1edbi vi\u1ec7c l\u00e0m<\/h3>\n\n<p>M\u1ed9t trong nh\u1eefng c\u00e1ch m\u00e0 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 truy\u1ec1n th\u1ed1ng ph\u00e2n bi\u1ec7t gi\u1eefa ho\u1ea1t \u0111\u1ed9ng c\u00e1 nh\u00e2n v\u00e0 th\u01b0\u01a1ng m\u1ea1i l\u00e0 xem x\u00e9t m\u1ed1i quan h\u1ec7 vi\u1ec7c l\u00e0m.\nV\u00ed d\u1ee5, li\u1ec7u m\u1ed9t y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng c\u00f3 thu\u1ed9c v\u1ec1 b\u1ed3i th\u01b0\u1eddng c\u1ee7a ng\u01b0\u1eddi lao \u0111\u1ed9ng hay kh\u00f4ng th\u01b0\u1eddng ph\u1ee5 thu\u1ed9c v\u00e0o vi\u1ec7c ng\u01b0\u1eddi lao \u0111\u1ed9ng c\u00f3 h\u00e0nh \u0111\u1ed9ng theo h\u01b0\u1edbng d\u1eabn c\u1ee7a ng\u01b0\u1eddi s\u1eed d\u1ee5ng lao \u0111\u1ed9ng cho c\u00f4ng vi\u1ec7c hay ch\u1ec9 ho\u1ea1t \u0111\u1ed9ng v\u00ec l\u1ee3i \u00edch ri\u00eang c\u1ee7a h\u1ecd hay kh\u00f4ng. <\/p>\n\n<p>N\u1ec1n kinh t\u1ebf gig, l\u00e0m vi\u1ec7c t\u1ef1 do v\u00e0 t\u1ef1 kinh doanh l\u00e0m m\u1edd nh\u1eefng ranh gi\u1edbi n\u00e0y cho c\u00e1c doanh nghi\u1ec7p nh\u1ecf v\u00e0 cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m cho h\u1ecd.\nH\u1ecd \u0111\u00f2i h\u1ecfi m\u1ed9t s\u1ef1 hi\u1ec3u bi\u1ebft m\u1edbi v\u1ec1 c\u00e1ch th\u1ee9c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a vi\u1ec7c l\u00e0m v\u00e0 k\u1ebft qu\u1ea3 l\u00e0 vi\u1ec7c ra quy\u1ebft \u0111\u1ecbnh kinh doanh b\u1ecb \u1ea3nh h\u01b0\u1edfng nh\u01b0 th\u1ebf n\u00e0o, <a href=\"https:\/\/www.businessinsurance.com\/article\/20191031\/NEWS06\/912331450\/Gig-economy-tech-to-shape-future-of-insurance#\" target=\"_blank\" rel=\"noreferrer noopener\">Gavin Souter<\/a> t\u1ea1i B\u1ea3o hi\u1ec3m Kinh doanh n\u00f3i. <\/p>\n\n<p>S\u1ef1 ph\u00e2n bi\u1ec7t r\u00f5 r\u00e0ng gi\u1eefa ho\u1ea1t \u0111\u1ed9ng c\u00e1 nh\u00e2n v\u00e0 th\u01b0\u01a1ng m\u1ea1i s\u1ebd tr\u1edf n\u00ean r\u00f5 r\u00e0ng h\u01a1n trong nh\u1eefng th\u00e1ng t\u1edbi v\u00e0 h\u01a1n th\u1ebf n\u1eefa.\nC\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 gi\u1ea3i quy\u1ebft s\u1ef1 k\u1ebft h\u1ee3p m\u1edbi gi\u1eefa cu\u1ed9c s\u1ed1ng c\u00e1 nh\u00e2n v\u1edbi c\u00f4ng vi\u1ec7c h\u00e0ng ng\u00e0y c\u00f3 nhi\u1ec1u kh\u1ea3 n\u0103ng duy tr\u00ec l\u00f2ng trung th\u00e0nh c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 gi\u1ea3i quy\u1ebft r\u1ee7i ro hi\u1ec7u qu\u1ea3 h\u01a1n. <\/p>\n\n<p><em>H\u00ecnh \u1ea3nh b\u1edfi:piksel\/\u00a9123RF.com, kenchiro95\/\u00a9123RF.com, lightfieldstudios\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ranh gi\u1edbi gi\u1eefa cu\u1ed9c s\u1ed1ng c\u00e1 nh\u00e2n v\u00e0 cu\u1ed9c s\u1ed1ng kinh doanh \u0111\u00e3 m\u1edd \u0111i trong nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y. N\u1ec1n kinh t\u1ebf gig v\u00e0 c\u00e1c l\u1ef1a ch\u1ecdn l\u00e0m vi\u1ec7c t\u1eeb xa \u0111\u00e3 khuy\u1ebfn kh\u00edch ng\u01b0\u1eddi lao \u0111\u1ed9ng \u0111\u01b0a kh\u00f4ng gian s\u1ed1ng v\u00e0 t\u00e0i s\u1ea3n c\u00e1 nh\u00e2n c\u1ee7a h\u1ecd v\u00e0o s\u1eed d\u1ee5ng c\u00f3 l\u1ee3i nhu\u1eadn. [&hellip;]<\/p>\n","protected":false},"featured_media":8292,"template":"","insight-category":[],"class_list":["post-20723","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight\/20723","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\/8292"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/media?parent=20723"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight-category?post=20723"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}