阅读理解

Intoday'sworldinsuranceplaysavitalroleintheeconomicandsocialwelfareoftheentirepopulation．Thewishtoguardagainstdangerstolifeandpropertyisbasictohumannature．Byusingvariouskindsofinsurancesocietyhasbeenabletoreducetheeffectsofsuchhazards．

Nowhereisinsurancemoreimportantthaninthemanagementofabusiness．Inmanyinstanceslossesinasmallfirmcanmeanthedifferencebetweengrowthandfailurevitalityandstagnation(停滞)．Veryfewsmallbusinesseshaveevenaportionofthefinancialresourcesavailabletolargerenterprises．Frequentlytheymustoperateonaveryslightmargin(利润)iftheyhopetostayinbusiness．Andthustheyareparticularlysensitivetounexpectedlosses．

Withoutenoughinsurancewhathappenstosuchafirmwhentheownerdiesorissuddenlydisabled?Whenafirebreaksoutanddestroysthefirm'sbuildingorstock?Whenanemployeeisfoundtohavestolencompanyfunds?Whenacustomerisawardedaliabilityjudgmentforanaccident?Toooftenthebusinessisforcedtothewallitsfutureoperationsdrasticallylimited;sometimesitisdamagedbeyondrepairitsabilitytocontinuecompletelycrushed．

Almostalwaysasmallbusinessmanwouldfinditimpossibletohandlethefullburdenofhispotentialrisk．Theamountofmoneyhewouldhavetosetasidetocoverpossiblelosseswouldleavehimnothingoralmostnothingtorunhisbusinesswith．Iflossesweretooccurwhichhecouldrepairbyusinghisreservefundwhatassurancewouldhehavethatanotherloss-thesamekindordifferent-mightnotoccurnextweeknextmonth?Butthenhewouldhavenoreservefundandlittlelikelihoodofstayinginbusinessatall．

A．

accidentsalwayshappen

B．

abusinessmanshouldtakerisks

C．

businessesshouldhaveadequateinsuranc