有了你，“妈妈”再也不用担心我用坏几百万的仪器了

Core Viewpoint - Shandong Province has launched "Dayi Shared Insurance" to provide risk protection for the open sharing of scientific research instruments, reduce usage costs, and promote efficient allocation of technological resources, aiding innovation in small and medium-sized enterprises and the integration of industry and academia [1][2]. Group 1: Implementation and Impact - The first batch of loss compensation insurance for shared scientific research instruments has been officially implemented, with a total insurance coverage of 86.08 million yuan for over 60 large scientific research instruments [2]. - The initiative addresses the high costs associated with the purchase and maintenance of large scientific instruments, alleviating concerns from instrument management units about potential damage during shared use, while also mitigating the high compensation risks faced by users such as small and medium-sized enterprises [4]. - The insurance covers risks related to operational errors, electrical faults, improper installation, design defects, and material quality issues, providing a safety net for the entire process of shared use [4]. Group 2: Benefits and Future Plans - The implementation of Dayi Shared Insurance enhances the willingness of instrument management units to share resources and improves the efficiency and management of equipment, allowing technology-based SMEs to access large scientific instruments at lower costs, thereby stimulating research and innovation [8]. - The provincial government plans to expand the reach of Dayi Shared Insurance by including it in the second batch of "Lu Ke Bao" technology insurance products, allowing all units providing shared services to voluntarily purchase insurance, thus creating a scale effect across the province [6]. - For the first year of purchasing Dayi Shared Insurance, the provincial finance department will subsidize up to 50% of the premium for technology-based enterprises, with subsequent years offering subsidies of up to 30% of the actual premium paid, capped at 300,000 yuan per enterprise annually [6].