{"id":32210,"date":"2021-08-09T18:02:35","date_gmt":"2021-08-09T10:02:35","guid":{"rendered":"https:\/\/flydesk.com\/?p=32210"},"modified":"2022-03-18T15:35:21","modified_gmt":"2022-03-18T07:35:21","slug":"how-to-adapt-your-business-insurance-to-cover-remote-employees","status":"publish","type":"post","link":"https:\/\/flydesk.com\/zh\/insights\/how-to-adapt-your-business-insurance-to-cover-remote-employees\/","title":{"rendered":"\u5982\u4f55\u8abf\u6574\u60a8\u7684\u5546\u696d\u4fdd\u96aa\u4ee5\u6db5\u84cb\u9060\u7a0b\u54e1\u5de5"},"content":{"rendered":"<p>\u8a31\u591a\u54e1\u5de5\u73fe\u5728\u9060\u7a0b\u5de5\u4f5c\uff0c\u800c\u4e0d\u662f\u5728\u4ed6\u5011\u901a\u5e38\u6307\u5b9a\u7684\u8fa6\u516c\u7a7a\u9593\u5de5\u4f5c\u3002\u7562\u7adf\uff0c\u9060\u7a0b\u5de5\u4f5c\u8005\u6709\u591a\u7a2e\u5de5\u4f5c\u7a7a\u9593\u53ef\u4f9b\u9078\u64c7\uff0c\u5305\u62ec\u4ed6\u5011\u81ea\u5df1\u7684\u5bb6\u3001\u5496\u5561\u9928\u6216\u806f\u5408\u8fa6\u516c\u7a7a\u9593\u3002\u6bcf\u5468\u81f3\u5c11 1 \u6216 2 \u5929\u9060\u7a0b\u5de5\u4f5c\u80af\u5b9a\u6703\u6210\u70ba\u65b0\u5e38\u614b\uff01 <\/p>\n<p>\u4f46\u662f\uff0c\u9019\u7a2e\u65b0\u7684\u5de5\u4f5c\u65b9\u5f0f\u53ef\u80fd\u6703\u5c0d\u54e1\u5de5\u4f7f\u7528\u7684\u4fdd\u96aa\u696d\u52d9\u985e\u578b\u7522\u751f\u5f71\u97ff\u3002\u5728\u672c\u6587\u4e2d\uff0c\u6211\u5011\u5c07\u4e86\u89e3\u53ef\u7528\u7684\u5404\u7a2e\u9078\u9805\u3002 <\/p>\n<h2>1. 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\/>\n\u6216\u8005\uff0c\u7576\u5730\u7684\u91ab\u7642\u8a08\u5283\u53ef\u4ee5\u8b93\u4e8b\u60c5\u8b8a\u5f97\u66f4\u5bb9\u6613\u3002\u4f46\u662f\uff0c\u9019\u7a2e\u985e\u578b\u7684\u4fdd\u96aa\u50c5\u6db5\u84cb\u60a8\u5de5\u4f5c\u6240\u5728\u570b\u5bb6\/\u5730\u5340\u7684\u54e1\u5de5\u3002\u5982\u679c\u4ed6\u5011\u65c5\u884c\uff0c\u90a3\u9ebc\u9019\u500b\u672c\u5730\u8a08\u5283\u5fc5\u9808\u7531\u65c5\u884c\u4fdd\u96aa\u88dc\u5145\u3002  <\/p>\n<p>\u7576\u5730\u7684\u91ab\u7642\u4fdd\u96aa\u80af\u5b9a\u6703\u66f4\u9069\u61c9\u7576\u5730\u7684\u9700\u6c42\uff0c\u4f46\u4e0d\u540c\u570b\u5bb6\u70ba\u54e1\u5de5\u63d0\u4f9b\u7684\u798f\u5229\u53ef\u80fd\u6703\u6709\u6240\u4e0d\u540c\u3002\u6b64\u5916\uff0c\u5982\u679c\u54e1\u5de5\u9078\u64c7\u642c\u5bb6\uff0c\u5247\u9700\u8981\u5728\u65b0\u7684\u570b\u5bb6\/\u5730\u5340\u88fd\u5b9a\u65b0\u7684\u4fdd\u96aa\u8a08\u5283\u2014\u2014\u4efb\u4f55\u65b0\u7684\u91ab\u7642\u72c0\u6cc1\u90fd\u5c07\u88ab\u8996\u70ba\u539f\u6709\u75be\u75c5\uff0c\u53ef\u80fd\u6703\u5c0e\u81f4\u66f4\u9ad8\u7684\u4fdd\u96aa\u8cbb\u3002<\/p>\n<p>\u60a8\u5fc5\u9b1a\u6839\u64da\u7d44\u7e54\u7684\u7368\u7279\u9700\u6c42\u6b0a\u8861\u672c\u5730\u548c\u570b\u969b\u91ab\u7642\u4fdd\u96aa\u8a08\u5283\u7684\u5229\u5f0a\u3002\u60a8\u662f\u5426\u6709\u5206\u4f48\u5728\u591a\u500b\u570b\u5bb6\/\u5730\u5340\u7684\u591a\u540d\u54e1\u5de5\uff1f\u570b\u969b\u8a08\u5283\u53ef\u80fd\u66f4\u5bb9\u6613\u3002 <\/p>\n<p>\u60a8\u662f\u5426\u6709\u4e00\u500b\u4e3b\u8981\u4f4d\u65bc\u4e00\u500b\u570b\u5bb6\/\u5730\u5340\u7684\u9060\u7a0b\u5718\u968a\uff0c\u800c\u5728\u4e0d\u540c\u570b\u5bb6\/\u5730\u5340\u53ea\u6709\u4e00\u5169\u540d\u54e1\u5de5\uff1f\u672c\u5730\u8a08\u5283\u53ef\u80fd\u662f\u9019\u88e1\u7684\u6700\u4f73\u9078\u64c7\u3002 <\/p>\n<h2>2. \u65c5\u904a\u4fdd\u96aa\/\u91ab\u7642\u9063\u8fd4<\/h2>\n<p>\u65c5\u884c\u4fdd\u96aa\u4fdd\u8b77\u500b\u4eba\u514d\u53d7\u65c5\u884c\u524d\u6216\u65c5\u884c\u671f\u9593\u767c\u751f\u7684\u610f\u5916\u4e8b\u4ef6\u7684\u5f71\u97ff\u3002\u5176\u4e2d\u4e00\u4e9b\u4e8b\u4ef6\u5305\u62ec\uff1a<\/p>\n<ul>\n<li>\u884c\u7a0b\u53d6\u6d88<\/li>\n<li>\u822a\u73ed\u5ef6\u8aa4\u6216\u884c\u674e\u4e1f\u5931<\/li>\n<li>\u5354\u52a9\u670d\u52d9<\/li>\n<li>\u500b\u4eba\u610f\u5916\u5229\u76ca<\/li>\n<li>\u7dca\u6025\u91ab\u7642\u8cbb\u7528<\/li>\n<li>\u91ab\u7642\u9063\u8fd4\uff0c\u4f7f\u60a8\u80fd\u5920\u65c5\u884c\u6216\u56de\u5bb6\u63a5\u53d7\u6cbb\u7642<\/li>\n<\/ul>\n<p>\u9867\u540d\u601d\u7fa9\uff0c\u65c5\u884c\u4fdd\u96aa\u50c5\u9069\u7528\u65bc\u65c5\u884c\u3002\u901a\u5e38\uff0c\u65c5\u884c\u4fdd\u96aa\u7684\u4fdd\u96aa\u671f\u9650\u7e3d\u5171\u70ba 30\u300160 \u6216 90 \u5929\uff0c\u5177\u9ad4\u53d6\u6c7a\u65bc\u60a8\u7684\u5177\u9ad4\u8a08\u5283\u3002\u5982\u679c\u60a8\u5728\u65c5\u884c\u570b\u5bb6\u505c\u7559\u7684\u6642\u9593\u8d85\u904e\u60a8\u7684\u4fdd\u96aa\u671f\u9650\uff0c\u60a8\u5c07\u4e0d\u6703\u53d7\u5230\u4fdd\u8b77\uff01 <\/p>\n<h2>3. \u70ba\u60a8\u7684\u7d44\u7e54\u63d0\u4f9b\u4fdd\u96aa<\/h2>\n<p>\u9060\u7a0b\u54e1\u5de5\u7d66\u7d44\u7e54\u5e36\u4f86\u4e86\u65b0\u7684\u98a8\u96aa\u655e\u53e3\u3002\u91cd\u8981\u7684\u662f\u8981\u67e5\u770b\u60a8\u7d44\u7e54\u7576\u524d\u7684\u4fdd\u96aa\u5957\u9910\uff0c\u4e26\u6839\u64da\u9060\u7a0b\u5de5\u4f5c\u7684\u98a8\u96aa\u5c0b\u627e\u4fdd\u96aa\u7bc4\u570d\u5167\u7684\u4efb\u4f55\u5dee\u8ddd\u3002\u8b93\u6211\u5011\u4f86\u770b\u770b\u4e00\u4e9b\u6700\u5e38\u898b\u7684\u98a8\u96aa\uff1a<\/p>\n<ul>\n<li>\n<h3>\u96c7\u4e3b\u8cac\u4efb\u4fdd\u96aa<\/h3>\n<p>\u96c7\u4e3b\u5728\u8fa6\u516c\u5ba4\u767c\u751f\u5de5\u50b7\u4e8b\u6545\u6216\u75be\u75c5\u6642\u7684\u8cac\u4efb\u56e0\u6bcf\u500b\u570b\u5bb6\/\u5730\u5340\u800c\u7570\u3002\u4f8b\u5982\uff0c\u6cd5\u5f8b\u8981\u6c42\u5728\u9999\u6e2f\u548c\u65b0\u52a0\u5761\u6709\u54e1\u5de5\u7684\u4f01\u696d\u8cfc\u8cb7\u67d0\u7a2e\u5f62\u5f0f\u7684\u4fdd\u96aa\uff0c\u4ee5\u88dc\u511f\u5728\u5c65\u884c\u5de5\u4f5c\u8077\u8cac\u6642\u53d7\u50b7\u6216\u751f\u75c5\u7684\u54e1\u5de5\u3002\u9019\u7a2e\u4fdd\u96aa\u901a\u5e38\u78ba\u5be6\u9069\u7528\u65bc\u9060\u7a0b\u5de5\u4f5c\u8005\uff0c\u4f46\u4ed4\u7d30\u6aa2\u67e5\u7d30\u5247\u5f88\u91cd\u8981\u3002 <\/li>\n<li>\n<h3>\u4e00\u822c\u8cac\u4efb\u4fdd\u96aa<\/h3>\n<p>\u4e00\u822c\u8cac\u4efb\u4fdd\u96aa\uff0c\u4e5f\u7a31\u70ba\u516c\u5171\u8cac\u4efb\u4fdd\u96aa\uff0c\u53ef\u80fd\u50c5\u9650\u65bc\u60a8\u7684\u8fa6\u516c\u5834\u6240\u3002\u6b64\u4fdd\u96aa\u6db5\u84cb\u7531\u60a8\u7684\u54e1\u5de5\u9020\u6210\u7684\u4efb\u4f55\u7269\u8cea\u640d\u5931 - \u5c0d\u65bc\u9060\u7a0b\u5de5\u4f5c\u4eba\u54e1\uff0c\u9019\u5305\u62ec\u5c0d\u5171\u4eab\u8fa6\u516c\u7a7a\u9593\u6216\u5496\u5561\u9928\u5bb6\u5177\u7684\u640d\u58de\u3002\u5c07\u60a8\u7684\u516c\u5171\u8cac\u4efb\u4fdd\u96aa\u64f4\u5c55\u5230\u9060\u7a0b\u54e1\u5de5\u5de5\u4f5c\u7684\u6240\u6709\u9818\u57df\u975e\u5e38\u91cd\u8981\u3002 <\/p>\n<\/li>\n<li>\n<h3>\u5167\u5bb9\u4fdd\u96aa<\/h3>\n<p>\u5167\u5bb9\u4fdd\u96aa\u70ba\u8fa6\u516c\u8a2d\u5099\u63d0\u4f9b\u706b\u707d\u3001\u76dc\u7aca\u3001\u6c34\u640d\u58de\u548c\u5176\u4ed6\u6b64\u985e\u4e8b\u6545\u7684\u4fdd\u96aa\u3002\u8207\u516c\u5171\u8cac\u4efb\u4fdd\u96aa\u985e\u4f3c\uff0c\u5b83\u901a\u5e38\u50c5\u9650\u65bc\u60a8\u7684\u8fa6\u516c\u5834\u6240\u3002\u5c0d\u65bc\u9060\u7a0b\u5de5\u4f5c\u8005\u4f86\u8aaa\uff0c\u5373\u4f7f\u4ed6\u5011\u4e0d\u5728\u8fa6\u516c\u5ba4\u5de5\u4f5c\uff0c\u60a8\u7684\u5167\u5bb9\u4fdd\u96aa\u4e5f\u5fc5\u9808\u6db5\u84cb\u4ed6\u5011\u7684\u8a2d\u5099\u3002 <\/p>\n<\/li>\n<li>\n<h3>\u7db2\u7d61\u4fdd\u96aa<\/h3>\n<p>\u9060\u7a0b\u5de5\u4f5c\u9700\u8981\u5206\u6563\u7684 IT \u74b0\u5883\uff0c\u8207\u6307\u5b9a\u8fa6\u516c\u5ba4\u7684\u96c6\u4e2d IT \u7db2\u7d61\u76f8\u6bd4\uff0c\u9019\u6703\u81ea\u52d5\u70ba\u60a8\u7684 IT \u57fa\u790e\u67b6\u69cb\u5e36\u4f86\u66f4\u591a\u6f0f\u6d1e\u3002\u5168\u9762\u7684\u7db2\u7d61\u4fdd\u96aa\u5c0d\u65bc\u964d\u4f4e\u60a8\u7684\u7db2\u7d61\u4ee5\u53ca\u60a8\u7684\u54e1\u5de5\u6b63\u5728\u4f7f\u7528\u7684\u7db2\u7d61\u906d\u53d7\u7db2\u7d61\u653b\u64ca\u7684\u98a8\u96aa\u662f\u7d55\u5c0d\u5fc5\u8981\u7684\u3002 <\/p>\n<\/li>\n<\/ul>\n<p><b>Clema Risk Solutions \u2013 \u91dd\u5c0d\u4e2d\u5c0f\u578b\u516c\u53f8\u7684\u7cbe\u54c1\u4fdd\u96aa\u4e2d\u4ecb<\/b><br \/>\nClema Risk Solutions \u5728\u4e0a\u6d77\u3001\u65b0\u52a0\u5761\u548c\u9999\u6e2f\u958b\u5c55\u696d\u52d9\uff0c\u63d0\u4f9b\u6578\u5b57\u89e3\u6c7a\u65b9\u6848\uff0c\u5e6b\u52a9\u7d44\u7e54\u88fd\u5b9a\u6700\u9069\u5408\u5176\u9700\u6c42\u7684\u4fdd\u96aa\u8a08\u5283\u3002\u5c0d\u65bc\u5728\u8fa6\u516c\u5ba4\u5de5\u4f5c\u7684\u50b3\u7d71\u5718\u968a\u4f86\u8aaa\uff0c\u5236\u5b9a\u4fdd\u96aa\u8a08\u5283\u7684\u7d30\u7bc0\u5df2\u7d93\u5920\u56f0\u96e3\u4e86\u3002\u5c0d\u65bc\u9060\u7a0b\u54e1\u5de5\uff0c\u9700\u8981\u8003\u616e\u5e7e\u500b\u98a8\u96aa\u3002\u5f9e\u672c\u8cea\u4e0a\u8b1b\uff0cClema Risk Solutions \u901a\u904e\u8a55\u4f30\u60a8\u7368\u7279\u7684\u98a8\u96aa\u72c0\u6cc1\u4e26\u5411\u60a8\u63d0\u4f9b\u7b26\u5408\u60a8\u9700\u6c42\u7684\u591a\u500b\u9078\u9805\uff0c\u5f9e\u800c\u7bc0\u7701\u60a8\u7684\u5de5\u4f5c\u6642\u9593\u3002<\/p>\n<p>\n\u5728 Clema Risk Solutions\uff0c\u60a8\u53ef\u4ee5\uff1a<\/p>\n<ul>\n<li>\u9810\u8a02\u514d\u8cbb\u8aee\u8a62\u4ee5\u8a55\u4f30\u60a8\u7576\u524d\u7684\u4fdd\u96aa\u8a08\u5283\u8207\u60a8\u7576\u524d\u7684\u9700\u6c42<\/li>\n<li>\u570b\u969b\u91ab\u7642\u4fdd\u96aa\uff1a\u70ba\u60a8\u7684\u4f01\u696d\u6216\u500b\u4eba\u5718\u9ad4\u8cfc\u8cb7\u4e0b\u4e00\u6b21\u570b\u969b\u91ab\u7642\u4fdd\u96aa\u53ef\u4eab\u53d7 5% \u6298\u6263<\/li>\n<li>\u5546\u696d\u4fdd\u96aa\uff1a\u7372\u5f97\u5f9e 5% \u5230 10% \u7684\u5404\u7a2e\u5546\u696d\u4fdd\u96aa\u7684\u6298\u6263<\/li>\n<\/ul>\n<p>\u5982\u679c\u60a8\u60f3\u4e86\u89e3\u6709\u95dc\u9060\u7a0b\u5de5\u4f5c\u7684\u66f4\u591a\u4fe1\u606f\u4ee5\u53ca\u5982\u4f55\u5728\u60a8\u7684\u7d44\u7e54\u4e2d\u5be6\u65bd\u9748\u6d3b\u7684\u5de5\u4f5c\u5b89\u6392\uff0c <a href=\"https:\/\/flydesk.com\/zh\/get-in-touch\/\" rel=\"noopener\" 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