六级模拟题2套.docVIP

Part ⅡReading Comprehension (15 minutes)　　Buying the Best Insurance for Your Business　　Gabrielle Melchionda broke into tears when firefighters accidentally flooded the headquarters of Mad Gab’s, the beauty company she had founded two decades ago, even though she knew that insurance would replace the desks, computers, and shelves of lip balm(唇膏)she had lost. To her surprise, however, the real pain came in the months that followed, when she continued to owe salaries and rent while her sales slowed to a trickle(滴，淌，细流).　　“The critical piece that was missing was business-interruption insurance,” said Ms. Melchionda, who had property and liability insurance but had never got around to adding a policy that replaces income lost after accidents.　　Business owners have plenty of stories like Ms. Melchionda’s, of policies that didn’t cover enough damage or covered the wrong risk. Some of these complaints can be attributed to tight-fisted insurance companies or misinformed agents, but the fault often lies with entrepreneurs (企业家)who gloss over their insurance decisions.　　“Generally speaking, small-business owners are not completely aware of the coverage they have or the coverage they need,” said Steven Spiro, an independent insurance agent, explaining that many small-business owners buy insurance simply to comply with the requirements of an office lease.　　Picking an Agent　　Buying insurance can be intimidating(使人胆怯的), and it’s difficult to know who is trying to take advantage of you and who is giving honest advice. That’s why you should start by asking other entrepreneurs in your industry what kinds of insurance they carry and who they bought it from. There are three types of vendors who can help you pick insurance: independent agents, captive agents(专属代理人), and risk consultants.　　Independent agents, also known as brokers, offer the greatest choice because they typically represent many carriers. They are paid on commission by the insurance company, between 10 percent and