{"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\/sk\/effects-of-coronavirus-on-the-global-commercial-insurance-industry\/","title":{"rendered":"\u00da\u010dinky koronav\u00edrusu na glob\u00e1lny priemysel komer\u010dn\u00e9ho poistenia."},"content":{"rendered":"<p class=\"has-black-color has-text-color\">Skuto\u010dne katastrof\u00e1lna glob\u00e1lna udalos\u0165 pre mnoh\u00e9 podniky. Ni\u017e\u0161ie predstavuje mal\u00fa vzorku typick\u00fdch klientov komer\u010dn\u00e9ho poistenia, ktor\u00ed vykazuj\u00fa v\u00e1\u017ene finan\u010dn\u00e9 probl\u00e9my v nieko\u013ek\u00fdch odvetviach. <\/p>\n\n\n\n<p class=\"has-black-color has-text-color\">Existuje mnoho \u010fal\u0161\u00edch, ako napr\u00edklad maloobchod, ropa, stavebn\u00edctvo, v\u00fdroba... at\u010f. V\u0161etky pravdepodobne \u010delia dlhodob\u00fdm ekonomick\u00fdm probl\u00e9mom. Mnoh\u00e9 spolo\u010dnosti zaznamen\u00e1vaj\u00fa ni\u017e\u0161ie pr\u00edjmy, \u010do m\u00e1 za n\u00e1sledok men\u0161\u00ed pe\u0148a\u017en\u00fd tok a klesaj\u00facu ziskovos\u0165.<\/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\">N\u00e1roky z preru\u0161enia podnikania v\u00e1\u017ene ovplyvnia pois\u0165ovate\u013eov. <\/p>\n\n\n\n<p class=\"has-black-color has-text-color has-medium-font-size\">Koronav\u00edrusov\u00e1 kr\u00edza by mohla vymaza\u0165 cel\u00e9 priemyseln\u00e9 odvetvia. <\/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>\u010cinnos\u0165 komer\u010dn\u00e9ho poistenia sa v USA po\u010das blokovania COVID-19 drasticky spomalila, pod\u013ea spr\u00e1vy zverejnenej Ivans Insurance Services. <\/p>\n\n\n\n<p>Naprie\u010d obchodn\u00fdmi l\u00edniami bol objem transakci\u00ed nov\u00fdch poistn\u00fdch zml\u00fav na konci m\u00e1ja ni\u017e\u0161\u00ed o 38,91 TP1T v porovnan\u00ed so za\u010diatkom marca, tesne predt\u00fdm, ako vl\u00e1dou nariaden\u00e9 blok\u00e1dy viedli k z\u00e1niku mnoh\u00fdch podnikov v cel\u00fdch Spojen\u00fdch \u0161t\u00e1toch. <\/p>\n\n\n\n<p>Je dobre zn\u00e1mou skuto\u010dnos\u0165ou, \u017ee odvetvie komer\u010dn\u00e9ho poistenia v\u017edy zaost\u00e1valo za dobou, ke\u010f \u013eudia, procesy a star\u00e9 technol\u00f3gie a procesy spoma\u013euj\u00fa rast a zni\u017euj\u00fa zisk. <\/p>\n\n\n\n<p>Je teraz pripraven\u00e1 transformova\u0165 komer\u010dn\u00e9 poistenie na skuto\u010dn\u00fa aktivitu glob\u00e1lneho digit\u00e1lneho obchodovania? pomocou techn\u00edk z\u00edskan\u00fdch z financi\u00ed a najnov\u0161\u00edch digit\u00e1lnych\/internetov\u00fdch technol\u00f3gi\u00ed, ke\u010f\u017ee \u00fa\u010dinky koronav\u00edrusu s\u00fa rozsiahle a bud\u00fa ve\u013emi n\u00e1ro\u010dn\u00e9?<\/p>\n\n\n\n<p><strong>Odpove\u010f je \u00e1no.<\/strong> Je potrebn\u00fd \u00faplne nov\u00fd syst\u00e9m.<\/p>\n\n\n\n<p><strong>Kompletn\u00fd bezpe\u010dn\u00fd digit\u00e1lny end-to-end proces (bez papierov\u00fdch stien, bez op\u00e4tovn\u00e9ho k\u013e\u00fa\u010dovania).<\/strong><\/p>\n\n\n\n<p>So schopnos\u0165ou zvl\u00e1dnu\u0165 poistn\u00fd proces v r\u00e1mci cel\u00e9ho hodnotov\u00e9ho re\u0165azca a umo\u017eni\u0165 v\u0161etk\u00fdm zainteresovan\u00fdm stran\u00e1m (poistencom, makl\u00e9rom, pois\u0165ovate\u013eom a zais\u0165ovate\u013eom, poskytovate\u013eom slu\u017eieb, regula\u010dn\u00fdm org\u00e1nom) komunikova\u0165 a spolupracova\u0165, interagova\u0165, zdie\u013ea\u0165\/pren\u00e1\u0161a\u0165 digit\u00e1lne \u00fadaje a inform\u00e1cie, vyjedn\u00e1va\u0165 a vykon\u00e1va\u0165 bezpe\u010dn\u00e9 poistn\u00fdch transakci\u00ed.<\/p>\n\n\n\n<p>Ve\u013ek\u00e1 \u010das\u0165 s\u00fa\u010dasn\u00e9ho procesu je \u201eodpojen\u00e1\u201c a st\u00e1le prebieha prostredn\u00edctvom e-mailu, tabuliek, telef\u00f3nu a mno\u017estva papiera a mno\u017estva \u013eud\u00ed. Naf\u00faknut\u00e9 n\u00e1klady, archaick\u00e9\/zbyto\u010dn\u00e9 procesy a star\u00e9 technol\u00f3gie s\u00fa roz\u0161\u00edren\u00e9 v celom potravinovom re\u0165azci komer\u010dn\u00e9ho poistenia.<\/p>\n\n\n\n<p><strong>Ale nez\u00fafajte.<\/strong><\/p>\n\n\n\n<p>Poskytujeme pokro\u010dil\u00fa roz\u0161\u00edrite\u013en\u00fa zabezpe\u010den\u00fa digit\u00e1lnu technol\u00f3giu so zjednodu\u0161en\u00fdmi procesmi typu end-to-end, aby sme poskytli konkurencieschopnej\u0161ie ceny a z\u00e1rove\u0148 radik\u00e1lne zlep\u0161ili \u010das realiz\u00e1cie, minimalizovali n\u00e1klady na realiz\u00e1ciu a umo\u017enili nov\u00fd druh poistn\u00fdch n\u00e1strojov a riz\u00edk, to v\u0161etko za spravodliv\u00fa a spravodliv\u00fa cenu.<\/p>\n\n\n\n<p><strong>Je to platforma, ktor\u00e1 sp\u00e1ja \u201espr\u00e1vnych \u013eud\u00ed\u201c so \u201espr\u00e1vnymi \u00fadajmi a inform\u00e1ciami\u201c, \u010di u\u017e s\u00fa to pois\u0165ovne alebo mana\u017e\u00e9ri rizika\/poistenia\/finan\u010dn\u00ed pracovn\u00edci svojich klientov; aby boli v\u0161etci schopn\u00ed spolupracova\u0165, diskutova\u0165, navrhova\u0165, konzultova\u0165, radi\u0165 \u2013 100% digit\u00e1lne.<\/strong><\/p>\n\n\n\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>Skuto\u010dne katastrof\u00e1lna glob\u00e1lna udalos\u0165 pre mnoh\u00e9 podniky. Ni\u017e\u0161ie predstavuje mal\u00fa vzorku typick\u00fdch klientov komer\u010dn\u00e9ho poistenia, ktor\u00ed vykazuj\u00fa v\u00e1\u017ene finan\u010dn\u00e9 probl\u00e9my v nieko\u013ek\u00fdch odvetviach. Existuje mnoho \u010fal\u0161\u00edch, ako napr\u00edklad maloobchod, ropa, stavebn\u00edctvo, v\u00fdroba... at\u010f. V\u0161etky bud\u00fa pravdepodobne \u010deli\u0165 dlhodob\u00fdm ekonomick\u00fdm probl\u00e9mom. Mnoho spolo\u010dnost\u00ed vid\u00ed [\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\/sk\/wp-json\/wp\/v2\/posts\/1739"}],"collection":[{"href":"https:\/\/insurance.risk.exchange\/sk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/insurance.risk.exchange\/sk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/insurance.risk.exchange\/sk\/wp-json\/wp\/v2\/users\/13"}],"replies":[{"embeddable":true,"href":"https:\/\/insurance.risk.exchange\/sk\/wp-json\/wp\/v2\/comments?post=1739"}],"version-history":[{"count":0,"href":"https:\/\/insurance.risk.exchange\/sk\/wp-json\/wp\/v2\/posts\/1739\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/insurance.risk.exchange\/sk\/wp-json\/wp\/v2\/media\/1801"}],"wp:attachment":[{"href":"https:\/\/insurance.risk.exchange\/sk\/wp-json\/wp\/v2\/media?parent=1739"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/insurance.risk.exchange\/sk\/wp-json\/wp\/v2\/categories?post=1739"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/insurance.risk.exchange\/sk\/wp-json\/wp\/v2\/tags?post=1739"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}