{"id":1739,"date":"2020-05-20T07:37:00","date_gmt":"2020-05-20T07:37:00","guid":{"rendered":"https:\/\/insurance.risk.exchange\/?p=1739"},"modified":"2021-11-19T02:24:21","modified_gmt":"2021-11-19T02:24:21","slug":"effects-of-coronavirus-on-the-global-commercial-insurance-industry","status":"publish","type":"post","link":"https:\/\/insurance.risk.exchange\/ro\/effects-of-coronavirus-on-the-global-commercial-insurance-industry\/","title":{"rendered":"Efectele coronavirusului asupra industriei globale de asigur\u0103ri comerciale."},"content":{"rendered":"<p class=\"has-black-color has-text-color\">Un adev\u0103rat eveniment global dezastruos pentru multe companii. Mai jos reprezint\u0103 un mic e\u0219antion de clien\u021bi tipici de asigur\u0103ri comerciale care prezint\u0103 probleme financiare grave \u00een c\u00e2teva industrii. <\/p>\n\n\n\n<p class=\"has-black-color has-text-color\">Exist\u0103 multe altele, cum ar fi comer\u021bul cu am\u0103nuntul, petrolul, construc\u021biile, produc\u021bia... etc. Toate probabil se vor confrunta cu probleme economice pe termen lung. Multe companii \u00eenregistreaz\u0103 venituri mai mici, ceea ce duce la un flux de numerar mai mic \u0219i o profitabilitate \u00een sc\u0103dere.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large is-resized is-style-default\"><a href=\"https:\/\/insurance.risk.exchange\/wp-content\/uploads\/2020\/12\/beach-stocks-shrinking-market-cap-1.jpg\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/insurance.risk.exchange\/wp-content\/uploads\/2020\/12\/beach-stocks-shrinking-market-cap-1-482x1024.jpg\" alt=\"\" class=\"wp-image-1802\" width=\"836\" height=\"1776\" srcset=\"https:\/\/insurance.risk.exchange\/wp-content\/uploads\/2020\/12\/beach-stocks-shrinking-market-cap-1-482x1024.jpg 482w, https:\/\/insurance.risk.exchange\/wp-content\/uploads\/2020\/12\/beach-stocks-shrinking-market-cap-1-141x300.jpg 141w, https:\/\/insurance.risk.exchange\/wp-content\/uploads\/2020\/12\/beach-stocks-shrinking-market-cap-1-768x1633.jpg 768w, https:\/\/insurance.risk.exchange\/wp-content\/uploads\/2020\/12\/beach-stocks-shrinking-market-cap-1-71x150.jpg 71w\" sizes=\"(max-width: 836px) 100vw, 836px\" \/><\/a><\/figure>\n\n\n\n<p class=\"has-black-color has-text-color has-medium-font-size\">Cererile de \u00eentrerupere a activit\u0103\u021bii vor afecta grav asigur\u0103torii. <\/p>\n\n\n\n<p class=\"has-black-color has-text-color has-medium-font-size\">Criza coronavirusului ar putea distruge industrii \u00eentregi. <\/p>\n\n\n\n<p class=\"has-black-color has-text-color\"><\/p>\n\n\n\n<figure class=\"wp-block-image size-large is-style-default\"><a href=\"https:\/\/insurance.risk.exchange\/wp-content\/uploads\/2020\/12\/Llloyds.jpg\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"493\" src=\"https:\/\/insurance.risk.exchange\/wp-content\/uploads\/2020\/12\/Llloyds-1024x493.jpg\" alt=\"\" class=\"wp-image-1805\" srcset=\"https:\/\/insurance.risk.exchange\/wp-content\/uploads\/2020\/12\/Llloyds-1024x493.jpg 1024w, https:\/\/insurance.risk.exchange\/wp-content\/uploads\/2020\/12\/Llloyds-300x144.jpg 300w, https:\/\/insurance.risk.exchange\/wp-content\/uploads\/2020\/12\/Llloyds-768x370.jpg 768w, https:\/\/insurance.risk.exchange\/wp-content\/uploads\/2020\/12\/Llloyds-150x72.jpg 150w, https:\/\/insurance.risk.exchange\/wp-content\/uploads\/2020\/12\/Llloyds.jpg 1519w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n\n\n\n<p>Activitatea de asigur\u0103ri comerciale a \u00eencetinit drastic \u00een SUA \u00een timpul bloc\u0103rii din cauza COVID-19, potrivit unui raport publicat de Ivans Insurance Services. <\/p>\n\n\n\n<p>Din punct de vedere comercial, volumul tranzac\u021biilor noi de poli\u021be a sc\u0103zut cu 38,91 TP1T la sf\u00e2r\u0219itul lunii mai comparativ cu \u00eenceputul lunii martie, chiar \u00eenainte ca blocajele impuse de guvern s\u0103 duc\u0103 la \u00eenchiderea a numeroase afaceri \u00een Statele Unite. <\/p>\n\n\n\n<p>Este un fapt binecunoscut c\u0103 industria asigur\u0103rilor comerciale a fost \u00eentotdeauna \u00een urm\u0103 vremurilor \u00een care oamenii, procesele \u0219i tehnologia \u0219i procesele mo\u0219tenite, cre\u0219terea lent\u0103 \u0219i sc\u0103derea profitului. <\/p>\n\n\n\n<p>Este acum gata s\u0103 transforme asigurarea comercial\u0103 \u00eentr-o adev\u0103rat\u0103 activitate de tranzac\u021bionare digital\u0103 global\u0103? folosind tehnici \u00eenv\u0103\u021bate de la Finan\u021be \u0219i cele mai recente tehnologii digitale\/internet, deoarece efectele Coronavirusului sunt de mare amploare \u0219i vor fi foarte provocatoare?<\/p>\n\n\n\n<p><strong>Raspunsul este da.<\/strong> Este nevoie de un sistem complet nou.<\/p>\n\n\n\n<p><strong>Un proces digital complet securizat de la cap\u0103t la cap\u0103t (f\u0103r\u0103 pere\u021bi de h\u00e2rtie, f\u0103r\u0103 reintroducere).<\/strong><\/p>\n\n\n\n<p>Cu capacitatea de a gestiona procesul de asigurare de-a lungul \u00eentregului lan\u021b valoric \u0219i permite tuturor p\u0103r\u021bilor interesate (asigura\u021bi, brokeri, asigur\u0103tori \u0219i reasigur\u0103tori, furnizori de servicii, autorit\u0103\u021bi de reglementare) s\u0103 comunice \u0219i s\u0103 colaboreze, s\u0103 interac\u021bioneze, s\u0103 partajeze\/transfere date \u0219i informa\u021bii digitale, s\u0103 negocieze \u0219i s\u0103 execute \u00een siguran\u021b\u0103 tranzactii de asigurare.<\/p>\n\n\n\n<p>O mare parte din procesul actual de ast\u0103zi este \u201edeconectat\u201d \u0219i \u00eenc\u0103 gestionat prin e-mail, foi de calcul, telefon \u0219i o mul\u021bime de h\u00e2rtie \u0219i o mul\u021bime de oameni. Costurile umflate, procesele arhaice\/inutile \u0219i tehnologia mo\u0219tenit\u0103 sunt r\u0103sp\u00e2ndite \u00een \u00eentregul lan\u021b alimentar de asigur\u0103ri comerciale.<\/p>\n\n\n\n<p><strong>Dar nu dispera.<\/strong><\/p>\n\n\n\n<p>Oferim tehnologie digital\u0103 securizat\u0103 \u0219i extensibil\u0103 avansat\u0103, cu procese simplificate de la cap\u0103t la cap\u0103t pentru a oferi pre\u021buri mai competitive, \u00eembun\u0103t\u0103\u021bind \u00een acela\u0219i timp radical timpul de execu\u021bie, minimiz\u00e2nd costurile de execu\u021bie \u0219i permi\u021b\u00e2nd o nou\u0103 gam\u0103 de instrumente de asigurare \u0219i riscuri, toate la un pre\u021b corect \u0219i echitabil.<\/p>\n\n\n\n<p><strong>Este o platform\u0103 care conecteaz\u0103 \u201eoamenii potrivi\u021bi\u201d cu \u201edatele \u0219i informa\u021biile potrivite\u201d, indiferent dac\u0103 sunt companii de asigur\u0103ri sau manageri de risc\/asigur\u0103ri\/financiari ai clien\u021bilor lor; pentru ca to\u021bi s\u0103 poat\u0103 lucra \u00eempreun\u0103, s\u0103 discute, s\u0103 propun\u0103, s\u0103 consulte, s\u0103 consilieze \u2013 100% digital.<\/strong><\/p>\n\n\n\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>Un adev\u0103rat eveniment global dezastruos pentru multe companii. Mai jos reprezint\u0103 un mic e\u0219antion de clien\u021bi tipici de asigur\u0103ri comerciale care prezint\u0103 probleme financiare grave \u00een c\u00e2teva industrii. Exist\u0103 multe altele, cum ar fi comer\u021bul cu am\u0103nuntul, petrolul, construc\u021biile, produc\u021bia... etc. Toate probabil se vor confrunta cu probleme economice pe termen lung. Multe companii v\u0103d [\u2026]<\/p>","protected":false},"author":13,"featured_media":1801,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[],"_links":{"self":[{"href":"https:\/\/insurance.risk.exchange\/ro\/wp-json\/wp\/v2\/posts\/1739"}],"collection":[{"href":"https:\/\/insurance.risk.exchange\/ro\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/insurance.risk.exchange\/ro\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/insurance.risk.exchange\/ro\/wp-json\/wp\/v2\/users\/13"}],"replies":[{"embeddable":true,"href":"https:\/\/insurance.risk.exchange\/ro\/wp-json\/wp\/v2\/comments?post=1739"}],"version-history":[{"count":0,"href":"https:\/\/insurance.risk.exchange\/ro\/wp-json\/wp\/v2\/posts\/1739\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/insurance.risk.exchange\/ro\/wp-json\/wp\/v2\/media\/1801"}],"wp:attachment":[{"href":"https:\/\/insurance.risk.exchange\/ro\/wp-json\/wp\/v2\/media?parent=1739"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/insurance.risk.exchange\/ro\/wp-json\/wp\/v2\/categories?post=1739"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/insurance.risk.exchange\/ro\/wp-json\/wp\/v2\/tags?post=1739"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}