{"id":8210,"date":"2020-06-24T13:27:35","date_gmt":"2020-06-24T17:27:35","guid":{"rendered":"http:\/\/localhost:10028\/uncategorized\/does-your-disaster-plan-account-for-covid-19\/"},"modified":"2024-04-09T13:27:30","modified_gmt":"2024-04-09T17:27:30","slug":"%e4%bd%a0%e7%9a%84%e7%81%be%e9%9a%be%e8%ae%a1%e5%88%92%e5%af%b9-covid-19-%e6%9c%89%e5%bd%b1%e5%93%8d%e5%90%97","status":"publish","type":"post","link":"https:\/\/napolilaw.lemonadestand.org\/zh\/article\/%e4%bd%a0%e7%9a%84%e7%81%be%e9%9a%be%e8%ae%a1%e5%88%92%e5%af%b9-covid-19-%e6%9c%89%e5%bd%b1%e5%93%8d%e5%90%97\/","title":{"rendered":"\u60a8\u7684\u707e\u96be\u8ba1\u5212\u662f\u5426\u8003\u8651\u4e86 COVID-19\uff1f"},"content":{"rendered":"<p>\u4e13\u5bb6\u9884\u6d4b\uff0c2020 \u5e74\u5927\u897f\u6d0b\u98ce\u66b4\u5b63\u8282\u5c06\u6bd4\u5f80\u5e74\u66f4\u52a0\u6d3b\u8dc3\uff0cCOVID-19 \u5927\u6d41\u884c\u6325\u4e4b\u4e0d\u53bb\u7684\u707e\u96be\u8ba1\u5212\u5c06\u4f7f\u60c5\u51b5\u53d8\u5f97\u66f4\u7cdf\u3002<\/p>\n<p>\u7f8e\u56fd\u56fd\u5bb6\u6d77\u6d0b\u548c\u5927\u6c14\u7ba1\u7406\u5c40\u7684\u9884\u62a5\u5458\u9884\u8ba1 <u><a href=\"https:\/\/www.noaa.gov\/media-release\/busy-atlantic-hurricane-season-predicted-for-2020\" target=\"_blank\" rel=\"noopener\">\u5341\u4e5d\u4e2a\u547d\u540d\u7684\u98ce\u66b4<\/a><\/u>\uff0c\u5305\u62ec 6 \u573a 3 \u7ea7\u6216\u66f4\u9ad8\u7ea7\u522b\u7684\u98d3\u98ce\u3002<\/p>\n<p>\u4f20\u7edf\u7684\u707e\u96be\u8ba1\u5212\u5305\u62ec\u5927\u578b\u758f\u6563\u5730\u70b9\uff0c\u4f8b\u5982\u5b66\u6821\u548c\u533b\u9662\u3002<\/p>\n<p>\u793e\u4ea4\u8ddd\u79bb\u548c\u5176\u4ed6\u8981\u6c42\u4f7f\u8fd9\u4e9b\u8ba1\u5212\u5b8c\u5168\u4e0d\u53ef\u884c\u3002<\/p>\n<p>\u56e0\u6b64\uff0c\u4e00\u4f4d\u53d1\u8a00\u4eba\u8bf4\uff0c\u7ea2\u5341\u5b57\u4f1a\u201c\u4f18\u5148\u8003\u8651\u4e2a\u522b\u9152\u5e97\u623f\u95f4\u6216\u5bbf\u820d\u5f0f\u623f\u95f4\uff0c\u4ee5\u786e\u4fdd\u4eba\u4eec\u5728\u707e\u96be\u540e\u65e0\u6cd5\u8fd4\u56de\u5bb6\u56ed\u65f6\u6709\u5b89\u5168\u7684\u4f4f\u6240\u201d\uff0c\u800c\u4e0d\u662f\u5927\u578b\u907f\u96be\u6240\u3002<\/p>\n<p>\u51a0\u72b6\u75c5\u6bd2\u4e5f\u4f1a\u5f71\u54cd\u4e2a\u4eba\u7684\u51c6\u5907\u3002\u7ea2\u5341\u5b57\u4f1a\u5efa\u8bae\u4eba\u4eec\u597d\u597d\u770b\u770b\u4ed6\u4eec\u7684\u5e94\u6025\u7269\u8d44\u3002<\/p>\n<p>\u4e00\u4e2a\u5c45\u5bb6\u5de5\u5177\u5305\u5e94\u8be5\u6709\u81f3\u5c11\u4e24\u5468\u7684\u7528\u54c1\u3002<\/p>\n<p>\u8bb8\u591a\u7269\u54c1\uff0c\u4f8b\u5982\u6d88\u6bd2\u5242\uff0c\u53ef\u80fd\u5df2\u7ecf\u4f9b\u4e0d\u5e94\u6c42\u3002\u6b64\u5916\uff0c\u5982\u679c\u60a8\u7684\u5bb6\u4eba\u6ca1\u6709\u4fbf\u643a\u5f0f\u53d1\u7535\u673a\uff0c\u7ea2\u5341\u5b57\u4f1a\u5efa\u8bae\u60a8\u8d2d\u4e70\u4e00\u53f0\u3002<\/p>\n<p>\u5bb6\u5ead\u8fd8\u5e94\u8be5\u6709\u4e00\u4e2a\u4e09\u5929\u7684\u758f\u6563\u7528\u54c1\u5305\u3002\u8be5\u5957\u4ef6\u5e94\u8be5\u662f\u5c45\u5bb6\u5957\u4ef6\u7684\u7f29\u5c0f\u7248\u3002<\/p>\n<p>\u6700\u540e\uff0c\u5982\u679c\u60a8\u8d1f\u8d23\u5e87\u62a4\u6240\uff0c\u8bf7\u786e\u4fdd\u5b83\u7b26\u5408 COVID-19 \u6807\u51c6\u3002<\/p>\n<p>\u4f8b\u5982\uff0c\u5305\u62ec\u5bf9\u6240\u6709\u907f\u96be\u6240\u5c45\u4f4f\u8005\u7684\u5065\u5eb7\u68c0\u67e5\u3002\u6b64\u5916\uff0c\u4e3a\u611f\u67d3\u8005\u8bbe\u7acb\u9694\u79bb\u533a\u3002\u603b\u7684\u6765\u8bf4\uff0c\u53e3\u7f69\u5f88\u597d\uff0c\u4f46\u4e0d\u80fd\u4ee3\u66ff\u793e\u4ea4\u8ddd\u79bb\u3002<\/p>\n<h2>\u4fdd\u9669\u7406\u8d54\uff1a\u707e\u540e\u6536\u62fe\u6b8b\u5c40<\/h2>\n<p>\u5c3d\u7ba1\u7535\u89c6\u5e7f\u544a\u4e2d\u6709\u8fd9\u6837\u7684\u9648\u8ff0\uff0c\u4f46\u5728\u707e\u96be\u53d1\u751f\u540e\uff0c\u4fdd\u9669\u516c\u53f8\u5e76\u6ca1\u6709\u201c\u7ad9\u5728\u4f60\u8fd9\u8fb9\u201d\u3002<\/p>\n<p>\u8fd9\u4e9b\u516c\u53f8\u901a\u8fc7\u6536\u53d6\u4fdd\u9669\u8d39\u6765\u8d5a\u94b1\u3002\u4ed6\u4eec\u5728\u652f\u4ed8\u7d22\u8d54\u65f6\u8d54\u94b1\u3002\u8fd9\u4e2a\u7b80\u5355\u7684\u7ecf\u6d4e\u73b0\u5b9e\u4f1a\u5f71\u54cd\u88ab\u4fdd\u9669\u65b9\u63d0\u51fa\u7d22\u8d54\u65f6\u53d1\u751f\u7684\u4e00\u5207\u3002<\/p>\n<p>\u5728\u98d3\u98ce\u6216\u5176\u4ed6\u81ea\u7136\u707e\u5bb3\u4e4b\u540e\uff0c\u5927\u591a\u6570\u623f\u4e3b\u548c\u4f01\u4e1a\u4e3b\u90fd\u6307\u671b\u4fdd\u9669\u91d1\u6765\u5e2e\u52a9\u4ed6\u4eec\u91cd\u5efa\u3002\u4e8b\u5b9e\u4e0a\uff0c\u4fdd\u9669\u516c\u53f8\u6709\u6cd5\u5f8b\u4e49\u52a1\u8fc5\u901f\u8c03\u67e5\u5e76\u652f\u4ed8\u6b64\u7c7b\u7d22\u8d54\u3002<\/p>\n<p>\u7136\u800c\uff0c\u8bb8\u591a\u4fdd\u9669\u516c\u53f8\u5e76\u6ca1\u6709\u8ba4\u771f\u5bf9\u5f85\u4ed6\u4eec\u5728\u8fd9\u65b9\u9762\u7684\u8d23\u4efb\u3002<\/p>\n<p>\u5f88\u591a\u4fdd\u9669\u516c\u53f8\u4ee5\u5927\u707e\u4e3a\u501f\u53e3\uff0c\u62d6\u5ef6\u8c03\u67e5\u548c\u8d54\u4ed8\u3002<\/p>\n<p>\u4f46\u5728\u6cd5\u5f8b\u4e0a\uff0c\u8fd9\u4e2a\u501f\u53e3\u662f\u7ad9\u4e0d\u4f4f\u811a\u7684\u3002\u4e00\u822c\u6765\u8bf4\uff0c\u4fdd\u9669\u516c\u53f8\u4ecd\u6709\u8d23\u4efb\uff1a<\/p>\n<ul>\n<li>\u5728\u4e00\u5468\u5185\u786e\u8ba4\u7d22\u8d54\uff0c<\/li>\n<li>\u4e00\u4e2a\u6708\u5185\u5c55\u5f00\u8c03\u67e5\uff0c\u5e76<\/li>\n<li>\u5728\u516d\u5341\u5929\u5185\u652f\u4ed8\u6216\u62d2\u7edd\u7d22\u8d54\u3002<\/li>\n<\/ul>\n<p>\u901a\u5e38\uff0c\u4fdd\u9669\u516c\u53f8\u627f\u62c5\u5168\u90e8\u8d22\u52a1\u98ce\u9669\u3002<\/p>\n<p>\u6298\u65e7\u548c\u5e02\u573a\u6761\u4ef6\u7b49\u56e0\u7d20\u4e0d\u4f1a\u5f71\u54cd\u8d22\u4ea7\u7684\u4fdd\u9669\u4ef7\u503c\u3002\u5982\u679c\u4e00\u4e2a\u5bb6\u5ead\u6295\u4fdd\u4e86 $200,000\uff0c\u90a3\u4e48\u707e\u96be\u53d1\u751f\u524d\u7684\u516c\u5e73\u5e02\u573a\u4ef7\u503c\u5c31\u65e0\u5173\u7d27\u8981\u4e86\u3002<\/p>\n<p>\u4fdd\u9669\u516c\u53f8\u5fc5\u987b\u652f\u4ed8\u5168\u90e8\u4fdd\u9669\u91d1\u989d\u3002<\/p>\n<p>\u5982\u679c\u4fdd\u9669\u516c\u53f8\u4e0d\u5c65\u884c\u5176\u6cd5\u5f8b\u8d23\u4efb\uff0c\u88ab\u4fdd\u9669\u4eba\u5fc5\u987b\u4e0e\u5f8b\u5e08\u5408\u4f5c\uff0c\u4fdd\u9669\u516c\u53f8\u4e00\u822c\u4f1a\u627f\u62c5\u6cd5\u5f8b\u8d39\u7528\u3002<\/p>\n<p>\u5728\u90a3\u4e0d\u52d2\u65af Shkolnik\uff0c\u6211\u4eec\u5728\u98d3\u98ce\u6851\u8fea\u8fc7\u540e\u5e2e\u52a9\u4e86\u6570\u767e\u540d\u7ebd\u7ea6\u4eba\u3002\u56e0\u6b64\uff0c\u6211\u4eec\u4e5f\u6709\u80fd\u529b\u4e3a\u60a8\u63d0\u4f9b\u5e2e\u52a9\u3002<\/p>\n<h2>COVID-19 \u4e1a\u52a1\u4e2d\u65ad\u4fdd\u9669\u7d22\u8d54<\/h2>\n<p>\u623f\u4e3b\u548c\u5546\u4e1a\u4fdd\u9669\u653f\u7b56\u901a\u5e38\u6db5\u76d6\u81ea\u7136\u707e\u5bb3\uff08\u5982\u706b\u707e\uff09\u548c\u4eba\u4e3a\u707e\u5bb3\uff08\u5982\u76d7\u7a83\uff09\u3002\u5173\u4e8e\u51a0\u72b6\u75c5\u6bd2\u5927\u6d41\u884c\u662f\u81ea\u7136\u707e\u5bb3\u8fd8\u662f\u4eba\u4e3a\u707e\u96be\u5b58\u5728\u4e00\u4e9b\u4e89\u8bba\u3002<\/p>\n<p>\u4f46\u662f\uff0c\u65e0\u8bba\u54ea\u79cd\u65b9\u5f0f\uff0c\u4e1a\u52a1\u4e2d\u65ad\u4fdd\u9669\u90fd\u5e94\u9002\u7528\u4e8e\u4e0e COVID-19 \u76f8\u5173\u7684\u635f\u5931\u3002<\/p>\n<p>\u4f46\u5927\u591a\u6570\u4fdd\u9669\u516c\u53f8\u90fd\u6709 <u><a href=\"\/zh\/%e7%bb%83%e4%b9%a0%e5%8c%ba\/%e4%ba%ba%e8%ba%ab%e4%bc%a4%e5%ae%b3\/%e5%9b%bd%e5%ae%b6%e5%86%a0%e7%8a%b6%e7%97%85%e6%af%92%e5%be%8b%e5%b8%88\/\">\u62d2\u7edd<\/a><\/u> \u652f\u4ed8\u8fd9\u4e9b\u7d22\u8d54\u3002<\/p>\n<p>\u4e1a\u52a1\u4e2d\u65ad\u4fdd\u969c\u56e0\u4e0d\u540c\u7684\u4fdd\u5355\u800c\u5f02\u3002\u7136\u800c\uff0c\u901a\u5e38\u60c5\u51b5\u4e0b\uff0c\u627f\u4fdd\u635f\u5931\u5305\u62ec\uff1a<\/p>\n<ul>\n<li><strong>\u7269\u7406\u4f24\u5bb3<\/strong>\uff1a\u75c5\u6bd2\u7834\u574f\u4e0e\u706b\u707e\u6216\u6d2a\u6c34\u7834\u574f\u5b8c\u5168\u4e0d\u540c\u3002\u4f46\u662f\uff0c\u51a0\u72b6\u75c5\u6bd2\u53ef\u4ee5\u5728\u8868\u9762\u5b58\u6d3b\u6570\u5c0f\u65f6\u6216\u6570\u5929\u3002\u56e0\u6b64\uff0c\u7269\u7406\u635f\u574f\u8db3\u4ee5\u8feb\u4f7f\u4f01\u4e1a\u5173\u95ed\u3002\u8fd9\u79cd\u7a0b\u5ea6\u7684\u635f\u5bb3\u53ef\u4ee5\u8bf4\u662f\u89e6\u53d1\u4fdd\u5355\u652f\u4ed8\u6240\u5fc5\u9700\u7684\u3002<\/li>\n<li><a href=\"https:\/\/napolilaw.lemonadestand.org\/zh\/article\/nyc-subway-surfing-death-prompts-civil-action\/\"><strong>\u6c11\u4e8b\u8bc9\u8bbc<\/strong>:<\/a> These clauses typically apply to wars and other extreme unrest. Insurance companies never thought they would have to pay such claims. That\u2019s probably why they are so reluctant to make good on them. Furthermore, if the insured property was a restaurant, insurance companies often claim the business was technically open, or could have been open, during coronavirus lockdowns.<\/li>\n<\/ul>\n<p>2002 \u5e74 SARS \u7206\u53d1\u540e\uff0c\u4e00\u4e9b\u4fdd\u9669\u516c\u53f8\u4fee\u6539\u4e86\u4e1a\u52a1\u4e2d\u65ad\u4fdd\u5355\uff0c\u5c06\u4e0e\u4f20\u67d3\u75c5\u76f8\u5173\u7684\u635f\u5931\u6392\u9664\u5728\u5916\u3002\u5982\u679c\u60a8\u7684\u627f\u8fd0\u4eba\u6ca1\u6709\u8fdb\u884c\u6b64\u7c7b\u66f4\u6539\uff0c\u60a8\u7684\u635f\u5bb3\u8d54\u507f\u7d22\u8d54\u5c31\u66f4\u6709\u8bf4\u670d\u529b\u3002<\/p>\n<p>\u901a\u5e38\uff0c\u4fdd\u9669\u516c\u53f8\u5728\u56fd\u5916\u662f\u5408\u6cd5\u7684\u3002\u56e0\u6b64\uff0c\u8fd9\u4e9b\u95ee\u9898\u76f8\u5f53\u590d\u6742\u3002<\/p>\n<p>\u6076\u610f\u4fdd\u9669\u505a\u6cd5\u4f1a\u4f7f\u7cdf\u7cd5\u7684\u60c5\u51b5\u53d8\u5f97\u66f4\u7cdf\u3002\u514d\u8d39\u54a8\u8be2 <u><a href=\"\/zh\/%e8%81%94%e7%b3%bb%e6%88%91%e4%bb%ac\/\">\u7ecf\u9a8c\u4e30\u5bcc\u7684\u7ebd\u7ea6\u81ea\u7136\u707e\u5bb3\u5f8b\u5e08<\/a><\/u>, contact Napoli Shkolnik .<\/p>","protected":false},"excerpt":{"rendered":"<p>\u4e13\u5bb6\u9884\u6d4b\uff0c2020 \u5e74\u5927\u897f\u6d0b\u98ce\u66b4\u5b63\u8282\u5c06\u6bd4\u5f80\u5e74\u66f4\u52a0\u6d3b\u8dc3\uff0cCOVID-19 \u5927\u6d41\u884c\u6325\u4e4b\u4e0d\u53bb\u7684\u707e\u96be\u8ba1\u5212\u5c06\u4f7f\u60c5\u51b5\u53d8\u5f97\u66f4\u7cdf\u3002\u56fd\u5bb6\u6d77\u6d0b\u5c40\u7684\u9884\u62a5\u5458\u2026\u2026<\/p>","protected":false},"author":3,"featured_media":8211,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[792],"tags":[1028,878,971,984,985,992,993],"class_list":["post-8210","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-coronavirus","tag-disaster-plan","tag-insurance-claims","tag-health-and-safety","tag-property-damage","tag-flood-damage","tag-coronavirus","tag-covid-19"],"acf":[],"page_builder_type":"gutenberg","gutenberg_data":[],"_links":{"self":[{"href":"https:\/\/napolilaw.lemonadestand.org\/zh\/wp-json\/wp\/v2\/posts\/8210","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/napolilaw.lemonadestand.org\/zh\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/napolilaw.lemonadestand.org\/zh\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/napolilaw.lemonadestand.org\/zh\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/napolilaw.lemonadestand.org\/zh\/wp-json\/wp\/v2\/comments?post=8210"}],"version-history":[{"count":0,"href":"https:\/\/napolilaw.lemonadestand.org\/zh\/wp-json\/wp\/v2\/posts\/8210\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/napolilaw.lemonadestand.org\/zh\/wp-json\/wp\/v2\/media\/8211"}],"wp:attachment":[{"href":"https:\/\/napolilaw.lemonadestand.org\/zh\/wp-json\/wp\/v2\/media?parent=8210"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/napolilaw.lemonadestand.org\/zh\/wp-json\/wp\/v2\/categories?post=8210"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/napolilaw.lemonadestand.org\/zh\/wp-json\/wp\/v2\/tags?post=8210"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}