#0292 – Business Insurance, - Ang, mater, ESL Podcast McQuillan Jeff mp3+PDF

#0292 – Business Insurance

#0292 – Business Insurance, - Ang, mater, ESL Podcast McQuillan Jeff mp3+PDF

[ Pobierz całość w formacie PDF ]
English as a Second Language Podcast
www.eslpod.com
ESL Podcast 292 – Business Insurance
GLOSSARY
to lose control of (something) –
to no longer be in control of something; to not
be able to influence how something moves or happens
* When I was driving home last night, I thought I was going to lose control of my
car on the icy roads!
insurance company –
a business that one pays money to every month so that
the business pays money when there is a problem, such as death, fire, sickness,
or an accident
* Which insurance company do you use for life insurance?
full coverage –
protection against all types of problems; an agreement with an
insurance company to pay money for all types of problems
* Full coverage is more expensive than partial coverage, but it’s good to have
because you never know what kind of problems might happen.
to be insured against (something) –
to have financial protection for something;
to have an agreement with an insurance company so that it will pay money if
something happens
* After the big storm last year, we decided to get insurance against flooding.
policy –
an agreement with an insurance company; a legal document between
an insurance company and its customer, describing what problems the company
will pay for
* Hank’s life insurance policy says that his wife and children will get $350,000
when he dies.
to lapse –
to expire; to no longer be valid; to pass the time period described in a
legal document
* Karina’s gym membership lapsed last year because she didn’t pay money to
renew it.
annual –
yearly; once a year; every year
* Tomorrow I have my annual appointment with my doctor for a check-up.
premium –
the amount of money that one pays to have an insurance policy
* Auto insurance premiums are higher for people who have had a lot of
accidents.
1
These materials are copyrighted by the Center for Educational Development (2007). Posting of
these materials on another website or distributing them in any way is prohibited.
English as a Second Language Podcast
www.eslpod.com
ESL Podcast 292 – Business Insurance
act of God –
something that happens that people have no control over, like an
earthquake, hurricane, tornado, or flood
* After the earthquake destroyed the apartment building, the insurance company
wouldn’t pay anything because it said that the policy did not cover acts of God.
covered –
insured; protected so that an insurance company will pay for the cost
of something; protected by an insurance policy
* Are alternative treatments covered by your health insurance?
adjuster –
a person who works for an insurance company and goes to where a
problem happened to see how much the company should pay
* When Jaime has a car accident, he called the insurance company so that it
could send an adjuster to look at his car.
claim –
something that one asks an insurance company to pay for
* The insurance company is reviewing our claim for the cost of replacing the roof
after a tree fell on it.
business interruption insurance –
a program where an insurance company
pays money if one’s business has to close for a period of time
* Monica has a small business that had to close temporarily last year while she
was in the hospital. I’m so glad she had business interruption insurance.
to guard against (something) –
to protect one from something; to do something
so that something cannot create problems
* The doctor told me to eat a lot of fruits and vegetables to guard against heart
disease.
to get the ball rolling –
to begin doing something; to start a process
* We need to hire a new employee. Let’s get the ball rolling by putting an ad in
the newspaper.
thank goodness –
an expression used to show gratitude; an expression used to
show that one is grateful for something
* Many people say, “Thank goodness it’s Friday!” at the end of the week, when
they’re tired of working and are ready for the weekend to begin.
raise –
an increase in one’s salary; a rise in the amount of money that one
receives for working
* Genevieve earned $45,000 last year, and then she got a 10% raise, so now she
makes $49,500.
2
These materials are copyrighted by the Center for Educational Development (2007). Posting of
these materials on another website or distributing them in any way is prohibited.
English as a Second Language Podcast
www.eslpod.com
ESL Podcast 292 – Business Insurance
COMPREHENSION QUESTIONS
1. Why does Carson say that they can’t open for business?
a) Because a car drove through the store’s window.
b) Because the accident was an act of God.
c) Because their policy hasn’t lapsed.
2. What does Samantha mean when she says, “Let’s get the ball rolling”?
a) She wants to play a ballgame with Carson.
b) She thinks it’s time to call the insurance company.
c) She wants someone to start guarding the store.
______________
WHAT ELSE DOES IT MEAN?
coverage
The word “coverage,” in this podcast, means protection against a certain type of
problem, so that an insurance company will pay money if something happens:
“What kind of coverage does your health insurance offer for treating mental
illness?” Or, “Will an auto insurance policy provide coverage if the driver is
drunk?” The word “coverage” also means the way that something is reported in
the media (TV, radio, newspapers, and magazines) or discussed in a book: “The
local newspapers have good coverage of local sports, but they don’t have very
much coverage of international news.” Or, “I wish the news had more coverage
of science topics.” Or, “This book has good, general coverage of what you
should expect while you’re pregnant.”
claim
In this podcast, the word “claim” means something that one asks an insurance
company to pay for: “After the earthquake, they had to file a claim to ask the
insurance company to pay for the damage done to their house.” As a verb, “to
claim” has the same meaning, which is to ask for money that is owed to oneself
by the government or a company: “What do we need to do to claim the cost of
the broken window?” The verb “to claim” also means to say that something is
true even though one might not have information to prove it and other people
might not believe it: “Sharon claims that she did the work without help from
anyone else, but no one believes her.” Or, “This company claims that using this
cream will make me look 10 years younger!”
3
These materials are copyrighted by the Center for Educational Development (2007). Posting of
these materials on another website or distributing them in any way is prohibited.
English as a Second Language Podcast
www.eslpod.com
ESL Podcast 292 – Business Insurance
CULTURE NOTE
In the United States, businesses buy many kinds of business insurance to cover
their “losses” (the money that they might lose if certain bad things happen).
“General liability insurance” protects a company if it is “sued” (brought to court by
another company or person). General liability insurance pays the “legal costs,”
such as the costs of paying for a lawyer and preparing paperwork, up to some
maximum amount, called the “cap.” Companies might need to use general
liability insurance if an employee who was fired becomes angry and sues the
company, or if the company breaks a “contract” (written agreement) with another
company.
Another type of business insurance is “worker’s compensation insurance,” which
covers the costs of workers who are “injured” (physically hurt) while they are
working for the company. In most states, companies are legally required to buy
worker’s compensation insurance. That way, if someone is injured while
working, the insurance policy will give him or her money to pay for “medical bills”
(the money that needs to be paid to doctors and hospitals) and for the money
that he or she cannot earn while unable to work. If the worker dies, then worker’s
compensation insurance pays money to the husband/wife and children.
Finally, many businesses buy “property damage insurance.” This kind of
insurance covers “damages” (physical harm to something so that it cannot be
used or is not as pretty as before) to a business’s “property” (physical buildings
or large pieces of equipment). If there is a fire or flood, or if a car drives through
a store’s window, property damage insurance will pay for the costs of the
damage, so that the business can pay for repairs (the things that must be done to
make the property better).
______________
Comprehension Questions Correct Answers: 1 – a; 2 – b
4
These materials are copyrighted by the Center for Educational Development (2007). Posting of
these materials on another website or distributing them in any way is prohibited.
English as a Second Language Podcast
www.eslpod.com
ESL Podcast 292 – Business Insurance
COMPLETE TRANSCRIPT
Welcome to English as a Second Language Podcast number 292: Business
Insurance.
This is English as a Second Language Podcast episode 292. I'm your host, Dr.
Jeff McQuillan, coming to you from the Center for Educational Development in
beautiful Los Angeles, California.
Remember to visit our website at eslpod.com and download a Learning Guide for
this episode. The Learning Guide is a eight to ten page PDF file that contains all
of our vocabulary, definitions, sample sentences, additional explanations of
vocabulary that we don't discuss on the podcast, cultural notes, and a complete
transcript of everything we say on this episode.
This episode is called “Business Insurance.” It's a dialogue between a business
owner and one of his employees about a problem that they had at work and the
importance of having insurance. We're going to talk about different vocabulary
related to insurance. Let's get started.
[start of story]
Carson: What happened here?!
Samantha: As you can see, there was an accident. Early this morning, a man
driving along this street lost control of his car and ran into the front window of our
store. Luckily, no one was hurt.
Carson: What are we going to do? We can’t open for business with this mess.
There’s glass everywhere!
Samantha: I think the first thing to do is to call the insurance company. We have
full coverage, so I’m sure we’re insured against accidents of this kind. As long as
our policy hasn’t lapsed and we’ve paid our annual premiums, I don’t think we
need to worry too much.
Carson: Not worry too much? But what if this is considered an act of God and
we’re not covered?
Samantha: Believe me, this will be covered. When we call the insurance
company, I’m sure they’ll tell you that.
5
These materials are copyrighted by the Center for Educational Development (2007). Posting of
these materials on another website or distributing them in any way is prohibited.
[ Pobierz całość w formacie PDF ]

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