适用于参加全国四六级考试的考生

you run. Some, like medical malpractice for doctors and hospitals, are

absolutely

essential, while others are pure waste. To determine what you need, start by asking yourself two questions: how likely is it that you’ll sustain damage, and could you cover the cost of the damage yourself? As experts like to point out, insurance is meant to cover catastrophes, not pay for maintenance.

“It’s a gamble,” said George Von York, a public adjuster who helps business owners negotiate higher claims payments from insurers. “Most people will never have a substantial claim in their life. But boy, when you need it, it’s good to have that coverage.”

1. The passage mainly focuses on .

A) how to buy the most suitable insurance for your own business

B) how to pick an agent for you own business

C) how to pick a policy when you buy the insurance

D) how to deal with the insurance company

2. Gabrielle Melchionda .

A) did not realize that the insurance company will compensate her loss in the fire

B) realized the real pain for her loss in the fire when the fire broke out

C) had her company insured against business-interruption

D) was very sorrowful when her beauty company caught fire

3. Buying insurance sometimes is frightening in that .

A) you should ask other people in your industry for the advice

B) it is not easy to distinguish the honest advice and the lie

C) there are different types of agents for you to choose

D) you do not know where to buy insurance for your company

4. If you have an unusually risky operation .