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\u4e92\u8054\u7f51\u7684\u5174\u8d77\u63a8\u52a8\u4e86\u5728\u7ebf\u4e1a\u52a1\u7684\u7206\u70b8\u5f0f\u589e\u957f\u3002\n\u4eca\u5929\uff0c\u5ba2\u6237\u4e0a\u7f51\u671f\u671b\u4ed6\u4eec\u4e0d\u4ec5\u53ef\u4ee5\u7814\u7a76\uff0c\u8fd8\u53ef\u4ee5\u8d2d\u4e70\u4efb\u4f55\u53ef\u4ee5\u60f3\u8c61\u7684\u4e1c\u897f\uff0c\u4ece\u889c\u5b50\u548c\u70e4\u9762\u5305\u673a\u5230\u5bb6\u5ead\u548c\u6c7d\u8f66\u4fdd\u9669\u5355\u3002 <\/p>\n\n

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\u4e0d\u4ec5\u5728\u7ebf DTC \u6e20\u9053\u548c\u672c\u5730\u4ee3\u7406\u53ef\u4ee5\u5171\u5b58\uff0c\u800c\u4e14\u540c\u65f6\u4f7f\u7528\u4e24\u8005\u7684 P&C \u53ef\u80fd\u5728\u7ade\u4e89\u4e2d\u5177\u6709\u663e\u7740\u4f18\u52bf\u3002<\/p>\n\n

\u4e3a\u4ec0\u4e48\u91c7\u7528\u53cc\u91cd\u5206\u53d1\uff1f<\/h2>\n\n

50 \u5e74\u524d\uff0c\u627f\u4fdd\u4ea7\u751f\u4e86 P&C \u4fdd\u9669\u516c\u53f8\u7684\u5927\u90e8\u5206\u76c8\u5229\u80fd\u529b\u3002\n\u4eca\u5929\uff0c\u8fd9\u79cd\u5e73\u8861\u5df2\u7ecf\u53d1\u751f\u4e86\u53d8\u5316\u3002 <\/p>\n\n

\u201c\u5982\u679c\u4f60\u770b\u4e00\u4e0b\u4eca\u5929\u4fdd\u9669\u4ea4\u6613\u7684\u76c8\u5229\u80fd\u529b\uff0c\u4e5f\u8bb8 40% \u6216\u63a5\u8fd1 50% \u7528\u4e8e\u5206\u9500\uff0c [while] \u627f\u4fdd\u4eba\u83b7\u5f97 30% \u5230 40%\uff0c\u201d\u829d\u52a0\u54e5\u5927\u5b66\u5e03\u65af\u5546\u5b66\u9662\u517c\u804c\u8bb2\u5e08\u3001CNA Insurance \u524d\u9996\u5e2d\u6267\u884c\u5b98 Dennis Chookaszian<\/a> \u8bf4\u3002\n\u90a3\u4e9b\u62e5\u6709\u5f3a\u5927\u5206\u9500\u65b9\u6cd5\u548c\u84ec\u52c3\u53d1\u5c55\u7684\u5ba2\u6237\u5173\u7cfb\u7684\u4fdd\u9669\u516c\u53f8\u6bd4\u90a3\u4e9b\u4f18\u5148\u8003\u8651\u627f\u4fdd\u7684\u4fdd\u9669\u516c\u53f8\u66f4\u6210\u529f\u3002 <\/p>\n\n

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2019 \u5e74\u9ea6\u80af\u9521\u7684\u4e00\u9879\u7814\u7a76\u53d1\u73b0\uff0c\u5728 2012 \u5e74\u81f3 2016 \u5e74\u671f\u95f4\uff0c\u901a\u8fc7 DTC \u6e20\u9053\u8d2d\u4e70\u8d22\u4ea7\u548c\u610f\u5916\u9669\u7684\u4eba\u6570\u589e\u52a0\u4e86 2%\u3002\n Claudia Max<\/a> \u548c\u9ea6\u80af\u9521\u7814\u7a76\u4eba\u5458\u62a5\u544a\u79f0\uff0c\u5728\u6b64\u671f\u95f4\uff0c\u901a\u8fc7\u201c\u6346\u7ed1\u4ee3\u7406\u5546\u548c\u5206\u652f\u673a\u6784\u201d\u7684\u8d2d\u4e70\u91cf\u4e0b\u964d\u4e86 3%\uff0c\u800c\u901a\u8fc7\u7ecf\u7eaa\u4eba\u7684\u8d2d\u4e70\u91cf\u589e\u52a0\u4e86 1%\u3002 <\/p>\n\n

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

\u4ee3\u7406\u5982\u4f55\u589e\u52a0\u4ef7\u503c<\/h2>\n\n

\u81ea\u52a8\u5316\u3001DTC \u6e20\u9053\u548c\u7c7b\u4f3c\u7684\u6570\u5b57\u7a81\u7834\u6b63\u5728\u6539\u53d8\u4fdd\u9669\u516c\u53f8\u4e0e\u4ee3\u7406\u4eba\u548c\u4ee3\u7406\u4eba\u4e0e\u5ba2\u6237\u7684\u5173\u7cfb\u3002\n\u968f\u7740\u4ee3\u7406\u4eba\u80fd\u591f\u901a\u8fc7 AI \u548c\u673a\u5668\u5b66\u4e60\u81ea\u52a8\u6267\u884c\u590d\u6742\u4efb\u52a1\uff0c\u4ed6\u4eec\u5c06\u9700\u8981\u627e\u5230\u4f7f\u81ea\u5df1\u5728\u4fdd\u9669\u6d41\u7a0b\u4e2d\u7684\u4f5c\u7528\u66f4\u6709\u610f\u4e49\u7684\u65b9\u6cd5\u3002 <\/p>\n\n

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\u4e00\u65b9\u9762\uff0c\u81ea\u52a8\u5316\u53ef\u4ee5\u5c06\u4ee3\u7406\u4eba\u4ece\u9891\u7e41\u3001\u6807\u51c6\u3001\u60c5\u611f\u6216\u8d22\u52a1\u6210\u672c\u8f83\u4f4e\u7684\u4ea4\u6613\u4e2d\u89e3\u653e\u51fa\u6765\uff0c\u623f\u5730\u4ea7\u548c\u6280\u672f\u4f01\u4e1a\u5bb6 Elie Finegold<\/a> \u8bf4\u3002\n\u53e6\u4e00\u65b9\u9762\uff0c\u4e0d\u9891\u7e41\u3001\u4e0d\u6807\u51c6\u6216\u5177\u6709\u60c5\u611f\u89d2\u5ea6\u7684\u4ea4\u6613\u4ecd\u7136\u9700\u8981\u4ee3\u7406\u4eba\u7684\u4eba\u60c5\u5473\u3002 <\/p>\n\n

\u867d\u7136 Finegold \u8c08\u8bba\u7684\u662f\u623f\u5730\u4ea7\u4ea4\u6613\uff0c\u4f46\u4fdd\u9669\u4e5f\u662f\u5982\u6b64\u3002\n\u5ba2\u6237\u53ef\u80fd\u4f1a\u53d1\u73b0\u5728\u7ebf\u66f4\u65b0\u6807\u51c6\u6c7d\u8f66\u4fdd\u5355\u5f88\u5bb9\u6613\uff0c\u4f46\u4ed6\u4eec\u66f4\u53ef\u80fd\u9700\u8981\u4e13\u4e1a\u4eba\u58eb\u7684\u5e2e\u52a9\u6765\u505a\u51fa\u51b3\u7b56\uff0c\u4f8b\u5982\u4e3a\u4ed6\u4eec\u7684\u4e1a\u52a1\u6295\u4fdd\u6216\u4e3a\u73cd\u8d35\u7684\u8001\u7237\u8f66\u6295\u4fdd\u3002 <\/p>\n\n

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\u76f8\u6bd4\u4e4b\u4e0b\uff0c\u76f4\u63a5\u5728\u7ebf\u8d2d\u4e70\u4fdd\u9669\u7684\u5ba2\u6237\u53ef\u80fd\u65e0\u6cd5\u5b8c\u5168\u4e86\u89e3\u4ed6\u4eec\u7684\u627f\u4fdd\u8303\u56f4\u3002\n\u201c\u7528\u6237\u53ef\u80fd\u4e0d\u4f1a\u9605\u8bfb\u7ec6\u5219\uff0c\u6216\u8005\u53ef\u80fd\u4f1a\u5bf9\u4ed6\u4eec\u7684\u4fdd\u5355\u6761\u6b3e\u611f\u5230\u56f0\u60d1\u3002\u8fd9\u53ef\u80fd\u4f1a\u4f7f\u6295\u4fdd\u4eba\u5bf9\u4ed6\u4eec\u53ef\u4ee5\u4f7f\u7528\u7684\u4fdd\u9669\u4e00\u65e0\u6240\u77e5\u3002\u4ed6\u4eec\u751a\u81f3\u53ef\u80fd\u4e0d\u77e5\u9053\u4ed6\u4eec\u6bcf\u6708\u7684\u5b9e\u9645\u6210\u672c\u662f\u591a\u5c11\uff0c\u201cQuoteWizard \u7684 Tess Owen<\/a> \u8bf4\u3002\n\u6240\u6709\u8fd9\u4e9b\u8981\u70b9\u4e0d\u4ec5\u53ef\u80fd\u964d\u4f4e\u5ba2\u6237\u6ee1\u610f\u5ea6\uff0c\u800c\u4e14\u4f1a\u6210\u4e3a\u4e89\u8bba\u7684\u95ee\u9898\u3002 <\/p>\n\n

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

\u8c03\u6574\u60a8\u7684 DTC \u548c\u672c\u5730\u4ee3\u7406\u7b56\u7565<\/h2>\n\n

\u76ee\u524d\uff0c\u8bb8\u591a\u4fdd\u9669\u516c\u53f8\u5171\u5b58\u6280\u672f\u9a71\u52a8\u7684 DTC \u548c\u57fa\u4e8e\u4eba\u5de5\u7684\u672c\u5730\u4ee3\u7406\u6e20\u9053\u3002\n\u867d\u7136\u4fdd\u9669\u8bc4\u8bba\u5458\u5bf9\u8fd9\u79cd\u53cc\u91cd\u5173\u7cfb\u6709\u770b\u6cd5\uff0c\u4f46\u6ca1\u6709\u4eba\u786e\u5207\u77e5\u9053\u5c06\u5982\u4f55\u53d6\u5f97\u5e73\u8861\u3002 <\/p>\n\n

\u4fdd\u9669\u516c\u53f8\u53ef\u4ee5\u4ece\u91c7\u53d6 DTC \u77e5\u60c5\u65b9\u6cd5\u4e2d\u53d7\u76ca\u3002\n\u4eca\u5929\u7684\u5ba2\u6237\u8d8a\u6765\u8d8a\u559c\u6b22\u5728\u7ebf\u4e86\u89e3\u4fdd\u9669\u9009\u9879\u3002 <\/p>\n\n

\u4f8b\u5982\uff0c\u4e00\u9879\u7814\u7a76\u53d1\u73b0\uff0c52% \u7684\u8d2d\u4e70\u8005\u4f7f\u7528\u641c\u7d22\u5f15\u64ce \u6765\u7814\u7a76<\/a> \u54c1\u724c\u548c\u4ea7\u54c1;32% \u7684\u4eba\u5728\u8d2d\u4e70\u524d\u4f1a\u5728\u7f51\u4e0a\u7814\u7a76\u54c1\u724c\uff0c25% \u7684\u4eba\u4f1a\u5728\u793e\u4ea4\u5a92\u4f53\u4e0a\u5173\u6ce8\u4ed6\u4eec\u611f\u5174\u8da3\u7684\u54c1\u724c\uff0cGlobalWebIndex \u7684 Sam Ernest-Jones<\/a> \u8bf4\u3002<\/p>\n\n

\u901a\u8fc7\u5efa\u7acb\u5728\u7ebf\u5f62\u8c61\uff0c\u4fdd\u9669\u516c\u53f8\u53ef\u4ee5\u5438\u5f15\u8fd9\u4e9b Web \u6d4f\u89c8\u6d88\u8d39\u8005\u7684\u6ce8\u610f\u529b\u3002\n\u4ed6\u4eec\u8fd8\u53ef\u4ee5\u5229\u7528\u4eba\u5de5\u667a\u80fd\u7b49\u5de5\u5177\u6765\u5e2e\u52a9\u5206\u6790\u5ba2\u6237\u7684\u5728\u7ebf\u6d4f\u89c8\u6216\u521d\u59cb\u5e94\u7528\u7a0b\u5e8f\uff0c\u5e76\u5c06\u4ed6\u4eec\u5f15\u5bfc\u81f3\u9002\u5f53\u7684\u6e20\u9053\u3002\n\u4f8b\u5982\uff0c\u9700\u8981\u5b9a\u671f\u7eed\u8ba2\u7684\u5ba2\u6237\u53ef\u80fd\u4f1a\u5728\u7ebf\u8fdb\u884c\uff0c\u800c\u90a3\u4e9b\u5bf9\u65b0\u4fdd\u9669\u6709\u590d\u6742\u7591\u95ee\u7684\u5ba2\u6237\u53ef\u80fd\u4f1a\u88ab\u5f15\u5bfc\u81f3\u5f53\u5730\u4ee3\u7406\u3002 <\/p>\n\n

\u4fdd\u9669\u516c\u53f8\u8fd8\u53ef\u4ee5\u4ece\u521b\u5efa\u5e26\u6709\u5185\u7f6e\u5de5\u5177\u7684 DTC \u5e73\u53f0\u4e2d\u53d7\u76ca\uff0c\u4ee5\u5e2e\u52a9\u4ee3\u7406\u4eba\uff0c Ned Calder\u3001Shahriar Parvarandeh \u548c Michael Brady<\/a> \u5728\u300a\u54c8\u4f5b\u5546\u4e1a\u8bc4\u8bba\u300b\u4e2d\u8bf4\u3002<\/p>\n\n

\u4f8b\u5982\uff0c\u91cd\u578b\u8bbe\u5907\u5236\u9020\u5546 Caterpillar \u5728\u63a8\u51fa\u5728\u7ebf\u8f66\u8f86\u7ba1\u7406\u5e73\u53f0\u4ee5\u5e2e\u52a9\u5ba2\u6237\u8d2d\u4e70\u3001\u4f7f\u7528\u548c\u7ef4\u62a4 Caterpillar \u8bbe\u5907\u65f6\uff0c\u5192\u7740\u5c06\u5176\u5f53\u5730\u7ecf\u9500\u5546\u6392\u9664\u5728\u9500\u552e\u548c\u7ef4\u62a4\u6d41\u7a0b\u4e4b\u5916\u7684\u98ce\u9669\u3002\n\u4f46\u662f\uff0c\u8be5\u516c\u53f8\u901a\u8fc7\u6dfb\u52a0\u4e00\u9879\u529f\u80fd\u6765\u89e3\u51b3\u8fd9\u4e2a\u95ee\u9898\uff0c\u8be5\u529f\u80fd\u53ef\u4ee5\u5728\u9644\u8fd1\u7684\u5ba2\u6237\u9700\u8981\u5e2e\u52a9\u65f6\u901a\u77e5\u5f53\u5730\u7684 Caterpillar \u7ecf\u9500\u5546\u3002\n\u8be5\u5e73\u53f0\u6210\u4e3a\u5ba2\u6237\u548c\u5f53\u5730\u5206\u9500\u5546\u8054\u7cfb\u7684\u4e00\u79cd\u65b9\u5f0f\uff0c\u786e\u4fdd\u53ef\u4ee5\u66f4\u6709\u6548\u5730\u6ee1\u8db3\u5ba2\u6237\u7684\u9700\u6c42\u3002 <\/p>\n\n

\u7c7b\u4f3c\u7684\u65b9\u6cd5\u53ef\u7528\u4e8e\u8fde\u63a5\u4fdd\u9669\u5ba2\u6237\u548c\u5f53\u5730\u4ee3\u7406\u4eba\u3002\n\u4f8b\u5982\uff0c\u8be5\u5e73\u53f0\u53ef\u80fd\u5141\u8bb8\u5ba2\u6237\u5728\u7ebf\u8d2d\u4e70\u4fdd\u9669\uff0c\u540c\u65f6\u63d0\u9192\u5f53\u5730\u4ee3\u7406\u4eba\u5df2\u8d2d\u4e70\u4fdd\u5355\u3002\n\u7136\u540e\uff0c\u5f53\u5730\u4ee3\u7406\u53ef\u4ee5\u8ddf\u8fdb\u4e70\u5bb6\uff0c\u67e5\u770b\u4ed6\u4eec\u7684\u627f\u4fdd\u8303\u56f4\uff0c\u5e76\u5728\u4e70\u5bb6\u6709\u7591\u95ee\u6216\u9700\u8981\u63d0\u51fa\u7d22\u8d54\u65f6\u7acb\u5373\u8054\u7cfb\u3002 <\/p>\n\n

\u4ee3\u7406\u4f1a\u6d88\u5931\u5417\uff1f<\/h2>\n\n

\u5c06\u672c\u5730\u4ee3\u7406\u548c DTC \u6e20\u9053\u8fde\u63a5\u5230\u4e00\u4e2a\u4ee5\u5ba2\u6237\u4e3a\u4e2d\u5fc3\u7684\u5355\u4e00\u5206\u9500\u65b9\u6cd5\u7684\u673a\u4f1a\u6bd4\u6bd4\u7686\u662f\u3002\n\u7136\u800c\uff0c\u4ed6\u4eec\u4f3c\u4e4e\u5e76\u6ca1\u6709\u8ba9\u6240\u6709\u4eba\u76f8\u4fe1\u8fd9\u79cd\u6df7\u5408\u7b56\u7565\u5c06\u6210\u4e3a\u73b0\u5b9e\u3002 <\/p>\n\n

\u4e00\u4e9b\u4eba\u9884\u6d4b\uff0c\u6570\u5b57\u6e20\u9053\u548c\u81ea\u52a8\u5316\u7b56\u7565\u6700\u7ec8\u5c06\u4f7f\u5ea7\u5e2d\u8fc7\u65f6\u3002\n\u4f8b\u5982\uff0c\u5728\u8ba8\u8bba\u4eba\u5bff\u4fdd\u9669\u65f6\uff0c\u8d22\u5bcc\u7ba1\u7406\u987e\u95ee Russ Alan Prince<\/a> \u8868\u793a\uff0c\u5927\u591a\u6570\u4ee3\u7406\u4eba\u5c06\u53d7\u5230\u6280\u672f\u7684\u4e25\u91cd\u5f71\u54cd\u3002\n\u4eba\u5de5\u667a\u80fd\u548c\u673a\u5668\u5b66\u4e60\u6700\u7ec8\u5c06\u53d6\u4ee3\u7edd\u5927\u591a\u6570\u4fdd\u9669\u4ee3\u7406\u4eba\u76ee\u524d\u7684\u529f\u80fd\u3002 <\/p>\n\n

\u7136\u800c\uff0c\u5373\u4f7f\u662f\u50cf\u666e\u6797\u65af\u8fd9\u6837\u7684\u8bc4\u8bba\u5458\u4e5f\u5141\u8bb8\u4f8b\u5916\u3002\n\u4ed6\u5199\u9053\uff1a\u201c\u5c06\u6709\u4e00\u5b9a\u6bd4\u4f8b\u7684\u521b\u65b0\u3001\u6709\u8fdc\u89c1\u7684\u4eba\u5bff\u4fdd\u9669\u4ee3\u7406\u4eba\uff0c\u4ed6\u4eec\u5c06\u5229\u7528\u6280\u672f\u548c\u968f\u4e4b\u800c\u6765\u7684\u4e0d\u65ad\u53d8\u5316\u7684\u884c\u4e1a\u52a8\u6001\u4e3a\u4ed6\u4eba\u521b\u9020\u5de8\u5927\u7684\u4ef7\u503c\u3002 <\/p>\n\n

\u8d22\u4ea7\u548c\u610f\u5916\u9669\u4ee3\u7406\u4eba\u4e5f\u6709\u673a\u4f1a\u6210\u4e3a\u8fd9\u4e9b\u521b\u65b0\u7684\u601d\u60f3\u5bb6\u3002\n\u8d22\u4ea7\u4fdd\u9669\u516c\u53f8\u53ef\u4ee5\u5e2e\u52a9\u4ed6\u4eec\u7684\u4ee3\u7406\u4eba\u8fdb\u5165\u4ed6\u4eec\u4f5c\u4e3a\u4eba\u9645\u5173\u7cfb\u4fc3\u8fdb\u8005\u7684\u65b0\u89d2\u8272\u3002\n\u901a\u8fc7\u8fd9\u6837\u505a\uff0cP&C \u53ef\u4ee5\u6355\u83b7\u8fd9\u4e9b\u672c\u5730\u4ee3\u7406\u5c06\u4ea7\u751f\u7684\u4ef7\u503c\uff0c\u4f8b\u5982\u66f4\u7262\u56fa\u7684\u5ba2\u6237\u5173\u7cfb\u3001\u51cf\u5c11\u56e0\u8bef\u89e3\u5f15\u8d77\u7684\u51b2\u7a81\u4ee5\u53ca\u7ec8\u8eab\u5ba2\u6237\u5fe0\u8bda\u5ea6\u3002 <\/p>\n\n

\u56fe\u7247\u6765\u81ea\uff1aprimagefactory\/\u00a9123RF.com\uff0c Cathy Yeulet\/\u00a9123RF.com\uff0c goodluz\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

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