2016年12月大学英语六级模拟题及答案(5）_第7页

　　如果公司总值高于300万美元，你可能必须分开购买保险。如果公司有几十名员工，做生意不得不买的保单有四个：

　　【5】员工赔偿保险是州法律要求的，它涵盖员工的医疗费用、残疾人士福利金和死亡赔偿，【6】保险比率因行业和职业不同相差甚远。秘书的保险费 可能是，每100美元工资给付22美分，而盖顶工可能是，每100美元给付20多美元。确保你的生意分类正确，不要把玩具厂(制造业被认为是高风险的)误 归为设计公司(低风险)。雇员填写索赔表格时，保险公司会认为，你的公司是一个风险系数比较高的设计公司，从而提高保险费。

　　【8】财产保险包括房产和办公室里的设备。所在建筑的年龄大小，距离消防队的远近，建筑材料是钢铁还是木材，都会使保险比率大有不同。

　　要注意共同保险条款，如果保险公司认为投保金额不足，这个条款允许保险公司只赔偿部分损失。让代理人加上“协定保险价额 ”，你和保险公司认同一个合适的保险价值。这可能让保险费提高15%，却减少了随后的争端。

　　一般责任保险涵盖公司对他人健康、财产或名誉带来的伤害损失。一般来说，保险费的比率要考虑以下因素：收入，办公室规模，客户数量。大多数的基本成套保险，是每次危险保100万美元;而伞状保单以相对低的价格涵盖更大范围。

　　【9】如果可能，一定买比较贵的“发生”保单，它在事故发生当时就给你赔偿，哪怕你已停业或保单已过期。“索赔”保单与此相反，它只有在你受保期间索赔才有效。

　　【10】企业停顿保险——Melchionda女士本该买的保险，它不仅赔偿事故之后房子重建期间的销售损失、房租、工资损失;还出钱帮你租赁临时办公室或设备，这样你可以尽快的回到轨道上去。

　　这些保单仅仅是投保的开始。根据你经营的生意种类，还可增加其他几十个保单。像医生、医院的医疗过失保险，这些非常重要;而另一些纯粹是浪费。想要决定你需要哪些保险，可以先问自己两个问题：你承受损失的可能性有多大，你自己可以赔偿所有损失吗?正如专家指出的那样，保险旨在赔偿大灾难，而不是日常维护。

　　【7】公共调解员George Von York说，“这是场”。他帮助业主和保险公司谈判，以期获得更多赔偿。“大部分人一辈子也没有得到实在的赔偿。但是，孩子，在你需要时，最好还是有保险。”

　　Passage Two

　　Questions 57 to 61 are based on the following passage.

　　According to some individuals, if your house is built in the right position, this may affect your success in life, which seems strange to many people. However, to believers in Feng-Shui, or the art of geomancy, not only the position but also the choice of decorations and even the color of your home can mean the difference between good fortune and disaster. This art has been practiced for centuries in China and is still used all over South East Asia. Even the huge Hong Kong banks call in a geomant if they are planning to build new offices. They have such faith in his knowledge that if he advises them to move, they will alter their plans for even their biggest buildings.

　　Like many Oriental beliefs the geomant's skill depends on the idea of harmony in nature. If there is no imbalance between the opposing forces of Yin and Yang, the building will bring luck to its inhabitants. This means that the house must be built on the right spot as well as facing the right direction, and also be painted an auspicious color. For instance, if there are mountains to the north, this will protect them from evil influences. If the house is painted red, this will bring happiness to the occupants while green symbolizes youth and will bring long life. Other factors, such as the owner's time and date of birth, are taken into account, too. The geomant believes that unless all these are considered when choosing a site for construction, the fortune of the people using it will be at risk.

　　Indeed, to ignore the geomant's advice can have fatal results. The death of the internationally famous Kung-Fu star, Brucee Lee, has been used as an example. It is said that when Lee found out that the house he was living in was an unlucky one, he followed a geomant's advice and installed an eight-sided mirror outside his front door to bring him luck. Unfortunately, a storm damaged the mirror and the house was left unprotected from harmful influences. Soon afterwards Lee died in mysterious circumstances.

　　Not only is Feng-Shui still used in South East Asia, but it has also spread right across the world. Even in modern New York a successful commercial artist called Milton Glaser has found it useful. He was so desperate after his office was broken into six times that he consulted a geomant. He was told to install a fish tank with six black fish and fix a red clock to the ceiling. Since then he has not been burglarized once. It may seem an incredible story, but no other suitable explanation has been offered.