Core Viewpoint - Jinan People's Insurance Company is focusing on risk management in the infrastructure sector, particularly in highway and bridge engineering, by developing specialized insurance products to provide comprehensive risk coverage for projects in Shandong province [2][11]. Group 1: Specialized Insurance Solutions - The specialized insurance solutions target the unique risks associated with highway and bridge projects, which include geological disasters, construction accidents, and equipment damage, necessitating tailored coverage due to varying project conditions [3]. - The insurance framework includes a "risk profiling + dynamic matching + embedded service" approach, covering the entire project lifecycle from design to completion [3]. Group 2: Comprehensive Protection Modules - The insurance scheme consists of five core protection modules: 1. **Material Loss Coverage**: This includes coverage for permanent structures like roads and bridges, as well as temporary structures and construction materials, with compensation based on replacement value or repair costs [4]. 2. **Equipment and Machinery Risk Coverage**: This covers accidental damage and failure of construction machinery, including repair costs and rental fees for temporary replacement equipment [5]. 3. **Personnel Safety and Liability Coverage**: This includes employer liability insurance for construction workers and third-party liability insurance for damages caused to surrounding residents, with a maximum compensation limit of 5 million yuan per incident [6]. 4. **Construction Process and Compliance Risk Coverage**: This covers risks associated with specific construction techniques and ensures compliance with contract requirements [7]. 5. **Additional Value-Added Risk Coverage**: This includes options for covering extra expenses incurred during disaster recovery and extending coverage into the maintenance phase post-completion [8]. Group 3: Differentiated Service Advantages - The company emphasizes localized and specialized support, offering enhanced services beyond traditional insurance, including: 1. **Preemptive Risk Assessment**: A team of industry experts conducts risk assessments during the project planning phase to identify potential hazards [9]. 2. **Efficient Claims Response**: A 24-hour reporting and 48-hour on-site investigation mechanism is established to expedite the claims process [9]. 3. **Dynamic Full-Cycle Service**: Regular risk inspections and safety alerts are provided, with adjustments to coverage based on project milestones [9]. 4. **Customized Solutions**: Flexible rate settings based on project scale and centralized insurance services for chain projects are offered [10]. Group 4: Collaborative Value - The Jinan People's Insurance Company has successfully provided risk coverage for multiple highway and bridge projects in Shandong and aims to deepen collaboration with infrastructure companies to support high-quality development in the region [11].