适用于参加全国四六级考试的考生

differently, so make sure you’re making accurate comparisons when shopping. If you are grossing more than $3 million, you will probably have to buy your policies separately. There are four policies you really can’t do business without if you have more than a couple of employees:

Workers’ compensation is required by state law and covers workers’ medical expenses, disability pay and death benefits. Rates vary widely by industry and occupation. While the premiums for a secretary might be 22 cents per $100 of payroll, the rate for a roofer might exceed $20 per $100 of payroll. Make sure your business is classified correctly, and don’t try to pass off your toy factory (manufacturing is considered high-risk) as a design firm (low risk). Once employees start filing claims, carriers will conclude that you are a riskier-than-usual design firm and raise your premiums.

Property insurance covers your physical premises as well as equipment in your office. Rates vary widely, depending on the age of your building, how far it is from the fire department, and whether it is made of steel or wood.

Beware of coinsurance clauses, which allow carriers to pay only a share of damages if they believe you underinsured your property. Instead, ask your broker to add “agreed value” coverage in which you and the insurance company agree on an appropriate insurance level. This can add up to 15 percent to your premiums, but it leaves less room for dispute later.

General liability insurance covers injuries your company causes to other people’s health, property or reputation. Rates usually take into account factors like revenue, size of your offices and number of customers. Most basic packages cover $1 million for each occurrence; umbrella policies can add more coverage quite cheaply.

If it’s available, make sure you buy the more expensive “occurrence” policy, which covers you for accidents at the time they occurred — even if you have since left the business and your policy has lapsed — as opposed to a “claims made” policy, which covers you only if you are insured when the claim is made.

Business interruption insurance — the kind Ms. Melchionda should have had — pays not just the lost sales and rent and payroll costs while you rebuild your business after an accident; it also pays for you to rent a temporary office or equipment so you can get back on your feet faster.

These policies are just the first building blocks of your insurance coverage. There are dozens of other policies you could add, depending on the kind of business