{"id":20687,"date":"2024-09-27T11:07:46","date_gmt":"2024-09-27T16:07:46","guid":{"rendered":"https:\/\/bolttech.io\/insights\/%e5%bd%b1%e5%93%8d%ef%bc%9acovid-19-%e5%92%8c%e4%bf%9d%e9%99%a9%e4%b8%9a\/"},"modified":"2024-09-27T11:07:50","modified_gmt":"2024-09-27T16:07:50","slug":"%e5%bd%b1%e5%93%8d%ef%bc%9acovid-19-%e5%92%8c%e4%bf%9d%e9%99%a9%e4%b8%9a","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/zh-hans\/insights\/%e5%bd%b1%e5%93%8d%ef%bc%9acovid-19-%e5%92%8c%e4%bf%9d%e9%99%a9%e4%b8%9a\/","title":{"rendered":"\u5f71\u54cd\uff1aCOVID-19 \u548c\u4fdd\u9669\u4e1a"},"content":{"rendered":"\n<p>\u6700\u8fd1\u51e0\u5468\uff0cCOVID-19 \u51e0\u4e4e\u5f71\u54cd\u4e86\u7f8e\u56fd\u548c\u4e16\u754c\u5404\u5730\u751f\u6d3b\u7684\u65b9\u65b9\u9762\u9762\u3002\n\u8bb8\u591a\u5dde\u90fd\u53d1\u5e03\u4e86\u5c31\u5730\u907f\u96be\u4ee4\uff0c\u8981\u6c42\u51e0\u4e4e\u6240\u6709\u5458\u5de5\u8fdc\u7a0b\u5de5\u4f5c\u6216\u5b8c\u5168\u505c\u6b62\u5de5\u4f5c\uff0c\u56e0\u4e3a\u4f01\u4e1a\u7684\u5b9e\u4f53\u5e97\u88ab\u8feb\u5173\u95ed\u3002\n\u4e3a\u4e86\u51cf\u7f13\u65b0\u75c5\u6bd2\u7684\u4f20\u64ad\uff0c\u4eba\u4eec\u5236\u5b9a\u4e86\u5173\u4e8e\u5f7c\u6b64\u4fdd\u6301\u8eab\u4f53\u8ddd\u79bb\u7684\u65b0\u89c4\u5b9a\uff0c\u8fd9\u6270\u4e71\u4e86\u5546\u4e1a\u548c\u4e2a\u4eba\u751f\u6d3b\u3002\n\u8fd9\u5305\u62ec\u4fdd\u9669\u4e1a\u3002   <\/p>\n\n<p>\u5bf9\u4e8e COVID-19 \u53ca\u5176\u5bf9\u5730\u65b9\u3001\u56fd\u5bb6\u548c\u5168\u7403\u4e1a\u52a1\u7684\u6700\u7ec8\u5f71\u54cd\uff0c\u6211\u4eec\u4ecd\u7136\u6709\u5f88\u591a\u4e0d\u4e86\u89e3\u7684\u5730\u65b9\uff0c\u8bb8\u591a\u4f01\u4e1a\u4e0d\u786e\u5b9a\u5411\u54ea\u91cc\u5bfb\u6c42\u5e2e\u52a9\u3002\n\u8d22\u4ea7\u548c\u610f\u5916\u8fd0\u8f93\u516c\u53f8\u6709\u8d23\u4efb\u5e2e\u52a9\u5ba2\u6237\u5e76\u51cf\u8f7b COVID-19 \u5bf9\u4ed6\u4eec\u81ea\u8eab\u4e1a\u52a1\u9020\u6210\u7684\u635f\u5bb3\u3002   <\/p>\n\n<h2 class=\"wp-block-heading\">\u589e\u52a0\u5546\u4e1a\u7d22\u8d54<\/h2>\n\n<p>\u5371\u673a\u901a\u5e38\u4f1a\u4fc3\u4f7f\u5ba2\u6237\u81f4\u7535\u4ed6\u4eec\u7684\u4fdd\u9669\u516c\u53f8\uff0c\u51a0\u72b6\u75c5\u6bd2\u4e5f\u4e0d\u4f8b\u5916\u3002\n\u8bb8\u591a\u4f01\u4e1a\u6b63\u5728\u901a\u8fc7\u6c42\u52a9\u4e8e\u4fdd\u9669\u516c\u53f8\u6765\u5e94\u5bf9 COVID-19 \u5bf9\u81ea\u8eab\u5de5\u4f5c\u7684\u5f71\u54cd\u3002 <\/p>\n\n<p>\u7136\u800c\uff0c\u7531\u4e8e COVID-19 \u662f\u4e00\u79cd\u4e0d\u5bfb\u5e38\u7684\u60c5\u51b5\uff0c\u8bb8\u591a\u4fdd\u9669\u5355\u53ef\u80fd\u4e0d\u4f1a\u76f4\u63a5\u9488\u5bf9\u5927\u6d41\u884c\u75c5\uff0c\u6216\u8005\u53ef\u80fd\u9700\u8981\u89e3\u91ca\u4ee5\u8bc1\u660e\u7279\u5b9a\u6bb5\u843d\u662f\u5426\u4e3a COVID-19 \u76f8\u5173\u7684\u4e1a\u52a1\u635f\u5931\u63d0\u4f9b\u4fdd\u969c\u3002  <\/p>\n\n<h2 class=\"wp-block-heading\">\u4e1a\u52a1\u4e2d\u65ad<\/h2>\n\n<p>\u4f8b\u5982\uff0cVan Ness Feldman \u7684\u5408\u4f19\u4eba\u5f8b\u5e08 <a href=\"https:\/\/www.natlawreview.com\/article\/covid-19-insurance-impacts\" target=\"_blank\" rel=\"noreferrer noopener\">Brian L. Zagon \u548c Michael D. Goodstein<\/a> \u5199\u9053\uff0c\u5ba2\u6237\u4e1a\u52a1\u4e2d\u65ad\u4fdd\u9669\u4e0b\u7684\u7d22\u8d54\u53ef\u80fd\u4f1a\u53d6\u51b3\u4e8e COVID-19 \u6c61\u67d3\u662f\u5426\u53ef\u4ee5\u88ab\u89c6\u4e3a\u7269\u7406\u635f\u5bb3\u3002\n\u4ed6\u4eec\u63d0\u5230\u4e86\u4e00\u4e2a\u672a\u51b3\u7684\u6cd5\u5f8b\u6848\u4ef6\uff0c\u5176\u4e2d\u201cCOVID-19 \u6c61\u67d3\u662f\u7269\u7406\u635f\u5bb3\u5417\u201d\u7684\u95ee\u9898\u5b58\u5728\u4e89\u8bae\u3002 <\/p>\n\n<p>\u201c\u4e1a\u52a1\u4e2d\u65ad\u901a\u5e38\u4ece\u5408\u683c\u673a\u6784\u4e0b\u8fbe\u5173\u95ed\u95e8\u5e97\u7684\u547d\u4ee4\u5f00\u59cb\uff0c\u5e76\u5728\u547d\u4ee4\u89e3\u9664\u3001\u6e05\u7406\u6d3b\u52a8\u5b8c\u6210\u6216\u8fbe\u5230\u653f\u7b56\u89c4\u5b9a\u7684\u6700\u5927\u5929\u6570\u65f6\u7ed3\u675f\uff0c\u201d\u701a\u7eb3\u4ed5\u516c\u53f8\u52a9\u7406\u526f\u603b\u88c1\u517c\u9ad8\u7ea7\u8d22\u4ea7\u7d22\u8d54\u603b\u76d1 <a href=\"https:\/\/www.hayscompanies.com\/covid-19-property-policies-and-business-interruption-considerations\/\" target=\"_blank\" rel=\"noreferrer noopener\">Blake Berscheid<\/a> \u89e3\u91ca\u8bf4\u3002  <\/p>\n\n<p>\u5e76\u975e\u6240\u6709\u5546\u4e1a\u4e1a\u52a1\u4e2d\u65ad\u4fdd\u5355\u90fd\u6709\u89e3\u91ca\u7a7a\u95f4\u3002\n\u4f8b\u5982\uff0c\u5728 SARS \u6d41\u884c\u4e4b\u540e\uff0c\u8bb8\u591a\u4fdd\u5355\u90fd\u8fdb\u884c\u4e86\u66f4\u65b0\uff0c\u4e13\u95e8\u6392\u9664\u4e86\u7ec6\u83cc\u6216\u75c5\u6bd2\u611f\u67d3\u7684\u627f\u4fdd\u8303\u56f4\uff0cPillsbury Law \u7684\u5408\u4f19\u4eba <a href=\"https:\/\/www.pillsburylaw.com\/en\/news-and-insights\/insuring-against-the-business-risks-of-coronavirus.html\" target=\"_blank\" rel=\"noreferrer noopener\">David F. Klein<\/a> \u8bf4\u3002\n\u7136\u800c\uff0c\u5728\u8fd9\u91cc\uff0c\u63aa\u8f9e\u662f\u5fc5\u4e0d\u53ef\u5c11\u7684\uff1aCOVID-19 \u662f\u4e00\u79cd\u75c5\u6bd2\u800c\u4e0d\u662f\u7ec6\u83cc\uff0c\u56e0\u6b64\u4ec5\u63d0\u53ca\u7ec6\u83cc\u7684\u6392\u9664\u6761\u6b3e\u5c06\u4e0d\u9002\u7528\u3002  <\/p>\n\n<p>\u4e3a\u89e3\u51b3 COVID-19 \u800c\u901a\u8fc7\u7684\u65b0\u5dde\u6216\u8054\u90a6\u6cd5\u5f8b\u4e5f\u53ef\u80fd\u5f71\u54cd\u627f\u4fdd\u8303\u56f4\uff0c\u5373\u4f7f\u6392\u9664\u6761\u6b3e\u4e13\u95e8\u6307\u5b9a\u4e86\u75c5\u6bd2\u611f\u67d3\u3002\n\u4e00\u4e9b\u5dde\u901a\u8fc7\u8981\u6c42\u8be5\u5dde\u7684\u4fdd\u9669\u516c\u53f8\u4ee5\u7279\u5b9a\u65b9\u5f0f\u5e94\u5bf9\u6b64\u7c7b\u7d22\u8d54\uff0c\u4ece\u800c\u9886\u5148\u4e8e\u4e1a\u52a1\u4e2d\u65ad\u4fdd\u9669\u4e89\u8bae\u3002\n\u4f8b\u5982\uff0c\u5982\u679c\u83b7\u5f97\u901a\u8fc7\uff0c2020 \u5e74 3 \u6708 16 \u65e5\u5728\u65b0\u6cfd\u897f\u5dde\u8bae\u4f1a\u63d0\u51fa\u7684\u4e00\u9879 <a href=\"https:\/\/www.njleg.state.nj.us\/2020\/Bills\/A4000\/3844_I1.PDF\" target=\"_blank\" rel=\"noreferrer noopener\">\u6cd5\u6848<\/a> \u5c06\u8981\u6c42\u4fdd\u9669\u516c\u53f8\u5c06 COVID-19 \u6c61\u67d3\u89c6\u4e3a\u627f\u4fdd\u7d22\u8d54\u3002    <\/p>\n\n<h2 class=\"wp-block-heading\">\u65bd\u5de5\u7d22\u8d54<\/h2>\n\n<p>\u7531\u4e8e COVID-19 \u5de5\u4f5c\u653e\u7f13\uff0c\u9884\u8ba1\u5efa\u7b51\u4fdd\u9669\u7d22\u8d54\u7684\u6570\u91cf\u4e5f\u5c06\u589e\u52a0\u3002  <\/p>\n\n<p>\u201c\u968f\u7740\u5de5\u4eba\u88ab\u611f\u67d3\u3001\u751f\u75c5\u548c\u88ab\u9694\u79bb\uff0c\u5f88\u53ef\u80fd\u4f1a\u51fa\u73b0\u52b3\u52a8\u529b\u77ed\u7f3a\u3002\u8fd9\u53ef\u80fd\u4f1a\u5ef6\u8fdf\u6216\u4ee5\u5176\u4ed6\u65b9\u5f0f\u5f71\u54cd\u6b63\u5728\u8fdb\u884c\u7684\u5efa\u8bbe\u9879\u76ee\uff0c\u201cHall Estill \u5f8b\u5e08\u4e8b\u52a1\u6240\u7684\u5408\u4f19\u4eba <a href=\"https:\/\/www.propertycasualty360.com\/2020\/03\/23\/construction-industry-feeling-impact-from-covid-19-slowdown\/\" target=\"_blank\" rel=\"noreferrer noopener\">Michael Keester<\/a> \u8bf4\u3002  <\/p>\n\n<p>\u65bd\u5de5\u5408\u540c\u901a\u5e38\u5305\u62ec\u6db5\u76d6\u9879\u76ee\u5b8c\u6210\u65f6\u95f4\u7684\u6761\u6b3e;\u5bf9\u8bb8\u591a\u4eba\u6765\u8bf4\uff0c\u65f6\u95f4\u81f3\u5173\u91cd\u8981\u3002\nKeester \u8bf4\uff0c\u7531\u4e8e\u4e0e COVID-19 \u76f8\u5173\u7684\u505c\u5de5\u3001\u5c31\u5730\u907f\u96be\u4ee4\u548c\u611f\u67d3\u4f1a\u5f71\u54cd\u5de5\u4eba\u7684\u53ef\u7528\u6027\u548c\u5efa\u7b51\u9879\u76ee\u7684\u53ca\u65f6\u6027\uff0c\u5b83\u4eec\u4e5f\u5c06\u5f15\u8d77\u5bf9\u8fd9\u4e9b\u53ca\u65f6\u6027\u6761\u6b3e\u7684\u4e89\u8bae\u3002 <\/p>\n\n<h2 class=\"wp-block-heading\">\u5728 COVID-19 \u4e0b\u5f00\u5c55\u4e1a\u52a1<\/h2>\n\n<p>\u5bf9\u4e8e\u4fdd\u9669\u516c\u53f8\u6765\u8bf4\uff0c\u56de\u7b54\u7d22\u8d54\u6216\u627f\u4fdd\u8303\u56f4\u95ee\u9898\u53ea\u662f\u5e94\u5bf9\u51a0\u72b6\u75c5\u6bd2\u7684\u4e00\u4e2a\u65b9\u9762\u3002\n\u4fdd\u9669\u516c\u53f8\u8fd8\u5fc5\u987b\u8003\u8651\u81ea\u5df1\u4f5c\u4e3a\u96c7\u4e3b\u7684\u89d2\u8272\u3002   <\/p>\n\n<h2 class=\"wp-block-heading\">\u6539\u53d8\u4fdd\u9669\u5de5\u4f5c\u6a21\u5f0f<\/h2>\n\n<p>\u622a\u81f3 2020 \u5e74 3 \u6708 24 \u65e5\uff0c\u5168\u56fd\u65b0\u589e 4 \u4e2a\u5dde\u7684 16 \u4e2a\u5dde\u30019 \u4e2a\u53bf\u548c 3 \u4e2a\u57ce\u5e02\u5df2\u53d1\u5e03\u5c45\u5bb6\u4ee4\u6216\u5c31\u5730\u907f\u96be\u4ee4\u3002<\/p>\n\n<p>\u8fd9\u4e9b\u547d\u4ee4\u5f71\u54cd\u4e86\u5927\u7ea6 1.58 \u4ebf\u7f8e\u56fd\u5c45\u6c11\uff0c <a href=\"https:\/\/www.nytimes.com\/interactive\/2020\/us\/coronavirus-stay-at-home-order.html\" target=\"_blank\" rel=\"noreferrer noopener\">Sarah Mervosh \u548c Denise Lu<\/a> \u5728\u300a\u7ebd\u7ea6\u65f6\u62a5\u300b\u4e0a\u5199\u9053\u3002\n\u867d\u7136\u7ec6\u8282\u5404\u4e0d\u76f8\u540c\uff0c\u4f46\u5e95\u7ebf\u662f\u76f8\u540c\u7684\uff1a\u9664\u975e\u7edd\u5bf9\u5fc5\u8981\uff0c\u5426\u5219\u4e0d\u8981\u79bb\u5f00\u5bb6\u3002   <\/p>\n\n<p>\u8bb8\u591a\u547d\u4ee4\u8fd8\u8981\u6c42\u4f01\u4e1a\u5c06\u5458\u5de5\u9650\u5236\u5728\u9700\u8981\u4fdd\u6301\u4e1a\u52a1\u8fd0\u884c\u6216\u4fc3\u8fdb\u5176\u4ed6\u5458\u5de5\u5728\u5bb6\u5de5\u4f5c\u7684\u5458\u5de5\u3002\n\u8bb8\u591a\u4fdd\u9669\u516c\u53f8\u90fd\u5fc5\u987b\u9075\u5b88\u6b64\u89c4\u5219\u3002\n\u56e0\u6b64\uff0c\u201c\u5f3a\u8c03\u904f\u5236 COVID-19 \u4f20\u64ad\u7684\u52aa\u529b\u53ef\u80fd\u610f\u5473\u7740\u4f7f\u4fdd\u9669\u516c\u53f8\u5458\u5de5\uff08\u4ece\u7cbe\u7b97\u5e08\u5230\u6838\u4fdd\u4eba\u518d\u5230\u7406\u8d54\u7ecf\u7406\uff09\u80fd\u591f\u5728\u5f02\u5730\u5de5\u4f5c\uff0c\u5f88\u53ef\u80fd\u5728\u5bb6\u5de5\u4f5c\uff0c\u201d\u5fb7\u52e4\u526f\u4e3b\u5e2d\u517c\u7f8e\u56fd\u4fdd\u9669\u8d1f\u8d23\u4eba <a href=\"https:\/\/www2.deloitte.com\/us\/en\/insights\/economy\/covid-19\/impact-of-covid-19-on-insurers.html\" target=\"_blank\" rel=\"noreferrer noopener\">Gary Shaw<\/a> \u8bf4\u3002    <\/p>\n\n<p>\u5173\u6ce8\u7f51\u7edc\u5b89\u5168\u95ee\u9898\u548c\u4fe1\u606f\u8bbf\u95ee\u6709\u52a9\u4e8e\u786e\u4fdd\u8fdc\u7a0b\u5458\u5de5\u80fd\u591f\u5b89\u5168\u3001\u53ef\u9760\u5730\u8bbf\u95ee\u5b8c\u6210\u57fa\u672c\u4efb\u52a1\u6240\u9700\u7684\u4fe1\u606f\u3002\nShaw \u5efa\u8bae\u4e3a\u6bcf\u4f4d\u4fdd\u9669\u5458\u5de5\u63d0\u4f9b\u7b14\u8bb0\u672c\u7535\u8111\u6216\u53f0\u5f0f\u7535\u8111\u3001\u7528\u4e8e\u4fdd\u62a4\u5173\u952e\u5e94\u7528\u7a0b\u5e8f\u548c\u6570\u636e\u7684\u865a\u62df\u4e13\u7528\u7f51\u7edc\u3001\u97f3\u9891\u548c\u89c6\u9891\u534f\u4f5c\u5de5\u5177\uff0c\u4ee5\u53ca\u201c\u914d\u5907\u5145\u8db3\u4e14\u4eba\u5458\u914d\u5907\u5145\u8db3\u7684 IT \u652f\u6301\u56e2\u961f\u201d\u6765\u652f\u6301\u8fdc\u7a0b\u5de5\u4f5c\u8005\u3002   <\/p>\n\n<h2 class=\"wp-block-heading\">\u6682\u505c\u4fdd\u8d39\uff1f<\/h2>\n\n<p>\u4e3a\u4e86\u51cf\u8f7b\u56e0 COVID-19 \u76f8\u5173\u505c\u5de5\u800c\u5bfc\u81f4\u7684\u5de5\u4f5c\u77ed\u7f3a\u7684\u7ecf\u6d4e\u5f71\u54cd\uff0c\u4e00\u4e9b\u5dde\u6b63\u5728\u547d\u4ee4\u4fdd\u9669\u516c\u53f8\u5b9e\u65bd\u4fdd\u8d39\u652f\u4ed8\u5bbd\u9650\u671f\u3002\n\u52a0\u5229\u798f\u5c3c\u4e9a\u5dde\u63d0\u4f9b\u4e86\u4e00\u4e2a\u793a\u4f8b\uff1a 2020 \u5e74 3 \u6708 18 \u65e5\uff0c\u52a0\u5229\u798f\u5c3c\u4e9a\u5dde\u4fdd\u9669\u4e13\u5458 Ricardo Lara <a href=\"http:\/\/www.insurance.ca.gov\/0400-news\/0100-press-releases\/2020\/upload\/nr030-BillingGracePeriodNotice03182020.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">\u8981\u6c42\u6240\u6709\u4fdd\u9669\u516c\u53f8<\/a> \u63d0\u4f9b\u81f3\u5c11 60 \u5929\u7684\u4fdd\u8d39\u652f\u4ed8\u5bbd\u9650\u671f\u3002   <\/p>\n\n<p>\u201c\u73b0\u5728\u662f\u56e2\u7ed3\u8d77\u6765\u5e2e\u52a9\u6d88\u8d39\u8005\u5ea6\u8fc7\u8fd9\u4e2a\u524d\u6240\u672a\u6709\u7684\u4e0d\u786e\u5b9a\u6027\u65f6\u671f\u7684\u65f6\u5019\u4e86\uff0c\u8fd9\u5305\u62ec\u5e2e\u52a9\u6295\u4fdd\u4eba\u5728\u65e0\u6cd5\u652f\u4ed8\u4fdd\u8d39\u7684\u60c5\u51b5\u4e0b\u7ef4\u6301\u4ed6\u4eec\u7684\u4fdd\u9669\u8303\u56f4\uff0c\u201d <a href=\"http:\/\/www.insurance.ca.gov\/0400-news\/0100-press-releases\/2020\/release030-2020.cfm\" target=\"_blank\" rel=\"noreferrer noopener\">Lara<\/a> \u5728\u4e00\u4efd\u65b0\u95fb\u7a3f\u4e2d\u8bf4\u3002<\/p>\n\n<p>\u4fdd\u9669\u8d39\u662f\u8003\u8651\u5bbd\u9650\u6216\u6682\u505c\u7684\u4f17\u591a\u666e\u901a\u5bb6\u5ead\u4ed8\u6b3e\u7c7b\u578b\u4e4b\u4e00\uff0c\u6b64\u5916\u8fd8\u6709\u62b5\u62bc\u8d37\u6b3e\u3001\u5b66\u751f\u8d37\u6b3e\u548c\u4fe1\u7528\u5361\u3002\n\u867d\u7136\u8fc4\u4eca\u4e3a\u6b62\u5f88\u5c11\u6709\u6b64\u7c7b\u6682\u505c\u5177\u6709\u6cd5\u5f8b\u6548\u529b\uff0c\u4f46\u53ea\u8981 COVID-19 \u611f\u67d3\u98ce\u9669\u8981\u6c42\u5927\u591a\u6570\u4eba\u5f85\u5728\u5bb6\u91cc\uff0c\u7f8e\u56fd\u6d88\u8d39\u8005\u4f3c\u4e4e\u5f88\u53ef\u80fd\u9700\u8981\u5e2e\u52a9\u3002   <\/p>\n\n<h2 class=\"wp-block-heading\">\u4fdd\u9669\u516c\u53f8\u7684\u9996\u8981\u8003\u8651\u56e0\u7d20<\/h2>\n\n<p>\u4f5c\u4e3a\u96c7\u4e3b\u4ee5\u53ca\u98ce\u9669\u3001\u8d22\u4ea7\u548c\u610f\u5916\u4f24\u5bb3\u65b9\u9762\u7684\u4e13\u5bb6\uff0c\u4fdd\u9669\u516c\u53f8\u5728 COVID-19 \u5e94\u5bf9\u548c\u6062\u590d\u4e2d\u53d1\u6325\u7740\u81f3\u5173\u91cd\u8981\u7684\u4f5c\u7528\u3002\n\u867d\u7136\u8fd8\u6709\u5f88\u591a\u672a\u77e5\u6570\uff0c\u4f46\u4fdd\u9669\u516c\u53f8\u73b0\u5728\u53ef\u4ee5\u91c7\u53d6\u63aa\u65bd\u6765\u6709\u6548\u5730\u5904\u7406\u5f53\u4eca\u7684\u4e1a\u52a1\u548c <a href=\"https:\/\/www.boltinc.com\/insights\/blogs\/agility-for-p&amp;cs\/?__hstc=103362207.8432e18fe1b4e270bd8d783f6794e506.1724072077526.1724252449792.1724256511253.9&amp;__hssc=103362207.4.1725178227325&amp;__hsfp=3405490495\" target=\"_blank\" rel=\"noreferrer noopener\">\u672a\u6765\u7684\u9700\u6c42<\/a> \u3002 <\/p>\n\n<h2 class=\"wp-block-heading\">\u5c3d\u65e9\u5e76\u7ecf\u5e38\u6c9f\u901a<\/h2>\n\n<p>\u5728\u63d0\u4ea4\u7d22\u8d54\u4e4b\u524d\u6f84\u6e05\u5ba2\u6237\u7684\u4fdd\u9669\u9009\u9879\u53ef\u4ee5\u5e2e\u52a9\u8d22\u4ea7\u4fdd\u9669\u516c\u53f8\u5728\u4e0d\u786e\u5b9a\u7684\u65f6\u671f\u7ba1\u7406\u7d22\u8d54\u548c\u7d22\u8d54\u4e89\u8bae\u3002  <\/p>\n\n<p>\u5728\u4e00\u4e9b\u5dde\uff0c\u8fd9\u79cd\u6c9f\u901a\u5df2\u7ecf\u662f\u4e00\u9879\u8981\u6c42\uff1a\u4f8b\u5982\uff0c2020 \u5e74 3 \u6708 10 \u65e5\uff0c\u7ebd\u7ea6\u91d1\u878d\u670d\u52a1\u90e8\u526f\u603b\u76d1 <a href=\"https:\/\/www.vnf.com\/webfiles\/businessinterruptionsec3082020.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">\u65af\u8482\u82ac\u00b7\u675c\u8fea \uff08Stephen Doody<\/a> \uff09 \u53d1\u5e03\u4e86\u4e00\u5c01\u4fe1\uff0c\u8981\u6c42\u6388\u6743\u7684\u8d22\u4ea7\u548c\u610f\u5916\u9669\u4fdd\u9669\u516c\u53f8\u201c\u63d0\u4f9b\u6709\u5173\u5176\u5728\u7ebd\u7ea6\u627f\u4fdd\u7684\u5546\u4e1a\u8d22\u4ea7\u4fdd\u9669\u7684\u67d0\u4e9b\u4fe1\u606f\u201d\uff0c\u5305\u62ec\u4e1a\u52a1\u4e2d\u65ad\u4fdd\u9669\u3002<\/p>\n\n<p>\u6b64\u5916\uff0c\u8ba9\u5ba2\u6237\u4e86\u89e3\u8054\u7cfb\u4fdd\u9669\u516c\u53f8\u3001\u66f4\u6539\u627f\u4fdd\u8303\u56f4\u6216\u63d0\u51fa\u7d22\u8d54\u7684\u6b63\u5e38\u7a0b\u5e8f\u7684\u4efb\u4f55\u53d8\u5316\u4e5f\u5f88\u91cd\u8981\u3002\n\u7531\u4e8e\u8bb8\u591a\u4fdd\u9669\u516c\u53f8\u73b0\u5728\u4e25\u91cd\u4f9d\u8d56\u8fdc\u7a0b\u5de5\u4f5c\u8005\uff0c\u56e0\u6b64\u8fd9\u4e9b\u6d41\u7a0b\u53ef\u80fd\u4f1a\u88ab\u6539\u53d8\u6216\u4e2d\u65ad\u3002\n\u4e3a\u88ab\u4fdd\u9669\u4eba\u63d0\u4f9b\u6709\u5173\u5982\u4f55\u8054\u7cfb\u4fdd\u9669\u516c\u53f8\u7684\u660e\u786e\u6307\u5bfc\u53ef\u4ee5\u5e2e\u52a9\u5ba2\u6237\u548c\u4fdd\u9669\u516c\u53f8\u66f4\u987a\u5229\u5730\u5904\u7406\u4e1a\u52a1\u3002    <\/p>\n\n<h2 class=\"wp-block-heading\">\u4f9d\u9760\u73b0\u6709\u4f18\u52bf<\/h2>\n\n<p>\u4fdd\u9669\u4fe1\u606f\u7814\u7a76\u6240\u7684 <a href=\"https:\/\/www.iii.org\/presentation\/the-impact-of-covid-19-on-p-c-insurance-032020\" target=\"_blank\" rel=\"noreferrer noopener\">Sean Kevelighan \u548c Michel Leonard \u535a\u58eb<\/a> \u8868\u793a\uff0c\u76ee\u524d\uff0c\u8d22\u4ea7\u548c\u610f\u5916\u4f24\u5bb3\u4fdd\u9669\u516c\u53f8\u5728\u5e94\u5bf9\u4e0e COVID-19 \u76f8\u5173\u7684\u7d22\u8d54\u5e76\u652f\u4ed8\u627f\u4fdd\u8303\u56f4\u5185\u7684\u7d22\u8d54\u65b9\u9762\u5904\u4e8e\u6709\u5229\u5730\u4f4d\u3002  <\/p>\n\n<p>\u622a\u81f3 2019 \u5e74\u7b2c\u4e09\u5b63\u5ea6\uff0c\u4fdd\u5355\u6301\u6709\u4eba\u7684\u7d2f\u8ba1\u76c8\u4f59\u8d85\u8fc7 8000 \u4ebf\u7f8e\u5143\uff0c\u662f 2017 \u5e74\u7f8e\u56fd\u8d22\u4ea7\u4fdd\u9669\u516c\u53f8\u4e3a\u627f\u4fdd\u81ea\u7136\u707e\u5bb3\u7d22\u8d54\u652f\u4ed8\u7684\u516b\u500d\u3002\nKevelighan \u548c Leonard \u8868\u793a\uff0c\u591a\u6837\u5316\u7684\u6295\u8d44\u7ec4\u5408\u3001\u5168\u9762\u7684\u518d\u4fdd\u9669\u548c\u73b0\u6709\u7684\u56fd\u5bb6\u62c5\u4fdd\u57fa\u91d1\u4e3a\u56e0\u51a0\u72b6\u75c5\u6bd2\u800c\u9762\u4e34\u7d22\u8d54\u589e\u52a0\u7684\u4fdd\u9669\u516c\u53f8\u63d0\u4f9b\u4e86\u989d\u5916\u652f\u6301\u3002   <\/p>\n\n<p><em>\u56fe\u7247\u6765\u81ea\uff1adaisydaisy\/\u00a9123RF.com\uff0c fizkes\/\u00a9123RF.com\uff0c ndoeljindoel\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u6700\u8fd1\u51e0\u5468\uff0cCOVID-19 \u51e0\u4e4e\u5f71\u54cd\u4e86\u7f8e\u56fd\u548c\u4e16\u754c\u5404\u5730\u751f\u6d3b\u7684\u65b9\u65b9\u9762\u9762\u3002 \u8bb8\u591a\u5dde\u90fd\u53d1\u5e03\u4e86\u5c31\u5730\u907f\u96be\u4ee4\uff0c\u8981\u6c42\u51e0\u4e4e\u6240\u6709\u5458 [&hellip;]<\/p>\n","protected":false},"featured_media":7994,"template":"","insight-category":[],"class_list":["post-20687","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/zh-hans\/wp-json\/wp\/v2\/insight\/20687","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bolttech.io\/zh-hans\/wp-json\/wp\/v2\/insight"}],"about":[{"href":"https:\/\/bolttech.io\/zh-hans\/wp-json\/wp\/v2\/types\/insight"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bolttech.io\/zh-hans\/wp-json\/wp\/v2\/media\/7994"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/zh-hans\/wp-json\/wp\/v2\/media?parent=20687"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/zh-hans\/wp-json\/wp\/v2\/insight-category?post=20687"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}