{"id":653,"date":"2022-01-28T20:57:49","date_gmt":"2022-01-28T19:57:49","guid":{"rendered":"https:\/\/financialtimes.cz\/?p=653"},"modified":"2023-09-29T22:49:46","modified_gmt":"2023-09-29T20:49:46","slug":"pojisteni-odpovednosti-je-dulezite-prectete-si-proc","status":"publish","type":"post","link":"https:\/\/financialtimes.cz\/?p=653","title":{"rendered":"Poji\u0161t\u011bn\u00ed odpov\u011bdnosti je d\u016fle\u017eit\u00e9. P\u0159e\u010dt\u011bte si pro\u010d"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><em>Nab\u00eddka pojistn\u00fdch produkt\u016f je pestr\u00e1. Obrazn\u011b \u0159e\u010deno jde o bonboni\u00e9ru, na kter\u00e9 si pochutn\u00e1 t\u00e9m\u011b\u0159 ka\u017ed\u00fd. O n\u011bkter\u00e9 cukrovinky v\u0161ak paradoxn\u011b nen\u00ed takov\u00fd z\u00e1jem jako o ostatn\u00ed, p\u0159esto\u017ee jsou mnohem chutn\u011bj\u0161\u00ed ne\u017e ostatn\u00ed. Mezi ty nejlep\u0161\u00ed a z\u00e1rove\u0148 tak trochu p\u0159ehl\u00ed\u017een\u00e9 bonb\u00f3ny v poji\u0161\u0165ovac\u00ed bonboni\u00e9\u0159e pat\u0159\u00ed poji\u0161t\u011bn\u00ed odpov\u011bdnosti. Pro\u010d se po n\u011bm vyplat\u00ed s\u00e1hnout i v\u00e1m?<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ide\u00e1ln\u00ed sv\u011bt bohu\u017eel neexistuje. N\u00e1hodn\u00e9 nehody a dal\u0161\u00ed \u0161lamastiky, ve kter\u00fdch jde o zdrav\u00ed i pen\u00edze, se d\u011bj\u00ed v b\u011b\u017en\u00e9m ob\u010dansk\u00e9m \u017eivot\u011b i na pracovi\u0161ti \u2013 a pokud n\u011bkdo zavin\u00ed \u0161kodu, nese za n\u00ed odpov\u011bdnost. Jak velkou, to u\u017e z\u00e1vis\u00ed na konkr\u00e9tn\u00ed situaci.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Co se t\u00fd\u010de b\u011b\u017en\u00e9ho ob\u010dansk\u00e9ho \u017eivota, <strong>p\u0159ed \u0161kodami zp\u016fsoben\u00fdmi dal\u0161\u00edm osob\u00e1m v\u00e1s m\u016f\u017ee pom\u011brn\u011b spolehliv\u011b ochr\u00e1nit <\/strong><a href=\"https:\/\/ergo.cz\/p\/pojisteniodpovednosti\"><u><strong>kvalitn\u00ed <\/strong><\/u><u><strong>poji\u0161t\u011bn\u00ed odpov\u011bdnosti za \u0161kodu<\/strong><\/u><\/a>. Mezi typick\u00e9 p\u0159\u00edklady, kdy je uzav\u0159en\u00e1 pojistka tak\u0159\u00edkaj\u00edc k nezaplacen\u00ed, pat\u0159\u00ed vytopen\u00ed soused\u016f, ale t\u0159eba i sr\u00e1\u017eka na ly\u017e\u00edch nebo p\u00e1d stromu na soused\u016fv pozemek. V\u00fdhodou tzv. pojistky na blbost je kryt\u00ed pro v\u0161echny \u010dleny dom\u00e1cnosti a mo\u017enost poji\u0161t\u011bn\u00ed dom\u00e1c\u00edch mazl\u00ed\u010dk\u016f (n\u011bkdy dokonce b\u00fdv\u00e1 standardem).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Jak je to se \u0161kodou v zam\u011bstn\u00e1n\u00ed?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Za sv\u00e9 jedn\u00e1n\u00ed je samoz\u0159ejm\u011b odpov\u011bdn\u00fd tak\u00e9 zam\u011bstnanec. Ale zat\u00edmco v b\u011b\u017en\u00e9m ob\u010dansk\u00e9m \u017eivot\u011b nen\u00ed v\u00fd\u0161e odpov\u011bdnosti nijak omezen\u00e1, <strong>u \u0161kody zp\u016fsoben\u00e9 zam\u011bstnavateli plat\u00ed dle z\u00e1kon\u00edku pr\u00e1ce limit 4,5n\u00e1sobku pr\u016fm\u011brn\u00e9 hrub\u00e9 mzdy<\/strong>. Ov\u0161em ne v\u017edy a za v\u0161ech okolnost\u00ed. Pokud zam\u011bstnanec uzav\u0159e se zam\u011bstnavatelem smlouvu o odpov\u011bdnosti za \u0161kodu sv\u011b\u0159en\u00fdch hodnot \u010di jinou podobnou smlouvu, uveden\u00fd limit pozb\u00fdv\u00e1 platnosti.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"533\" src=\"https:\/\/financialtimes.cz\/wp-content\/uploads\/2022\/01\/financialtimes.cz_ergo_cz_01.jpg\" alt=\"\" class=\"wp-image-654\" srcset=\"https:\/\/financialtimes.cz\/wp-content\/uploads\/2022\/01\/financialtimes.cz_ergo_cz_01.jpg 800w, https:\/\/financialtimes.cz\/wp-content\/uploads\/2022\/01\/financialtimes.cz_ergo_cz_01-300x200.jpg 300w, https:\/\/financialtimes.cz\/wp-content\/uploads\/2022\/01\/financialtimes.cz_ergo_cz_01-768x512.jpg 768w, https:\/\/financialtimes.cz\/wp-content\/uploads\/2022\/01\/financialtimes.cz_ergo_cz_01-696x464.jpg 696w, https:\/\/financialtimes.cz\/wp-content\/uploads\/2022\/01\/financialtimes.cz_ergo_cz_01-630x420.jpg 630w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Jak pro <a href=\"https:\/\/ergo.cz\/p\/pojisteniodpovednosti\/zamestnanci\">poji\u0161t\u011bn\u00ed na blbost pro zam\u011bstnance<\/a>, tak pro poji\u0161t\u011bn\u00ed odpov\u011bdnosti v b\u011b\u017en\u00e9m ob\u010dansk\u00e9m \u017eivot\u011b plat\u00ed, \u017ee <strong>pokud pojistn\u00edk zp\u016fsob\u00ed \u0161kodu \u00famysln\u011b nebo pod vlivem alkoholu \u010di jin\u00fdch n\u00e1vykov\u00fdch l\u00e1tek, poji\u0161\u0165ovna odpov\u011bdnost za n\u00e1hradu \u0161kody nep\u0159evezme.<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">Chcete m\u00edt jistotu p\u0159i v\u00fdb\u011bru spr\u00e1vn\u00e9ho poji\u0161t\u011bn\u00ed? Vyu\u017eijte port\u00e1l srovn\u00e1tor a zvolte vhodn\u00e9 <a href=\"https:\/\/www.srovnator.cz\/pojistka-na-blbost-pojisteni-odpovednosti\/\">poji\u0161t\u011bn\u00ed odpov\u011bdnosti<\/a> p\u0159\u00edmo pro V\u00e1s.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n","protected":false},"excerpt":{"rendered":"<p>Nab\u00eddka pojistn\u00fdch produkt\u016f je pestr\u00e1. Obrazn\u011b \u0159e\u010deno jde o bonboni\u00e9ru, na kter\u00e9 si pochutn\u00e1 t\u00e9m\u011b\u0159 ka\u017ed\u00fd. O n\u011bkter\u00e9 cukrovinky v\u0161ak paradoxn\u011b nen\u00ed takov\u00fd z\u00e1jem jako o ostatn\u00ed, p\u0159esto\u017ee jsou mnohem chutn\u011bj\u0161\u00ed ne\u017e ostatn\u00ed. Mezi ty nejlep\u0161\u00ed a z\u00e1rove\u0148 tak trochu p\u0159ehl\u00ed\u017een\u00e9 bonb\u00f3ny v poji\u0161\u0165ovac\u00ed bonboni\u00e9\u0159e pat\u0159\u00ed poji\u0161t\u011bn\u00ed odpov\u011bdnosti. Pro\u010d se po n\u011bm vyplat\u00ed s\u00e1hnout i [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":655,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[43],"tags":[],"class_list":["post-653","post","type-post","status-publish","format-standard","has-post-thumbnail","category-investice"],"_links":{"self":[{"href":"https:\/\/financialtimes.cz\/index.php?rest_route=\/wp\/v2\/posts\/653","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/financialtimes.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/financialtimes.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/financialtimes.cz\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/financialtimes.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=653"}],"version-history":[{"count":0,"href":"https:\/\/financialtimes.cz\/index.php?rest_route=\/wp\/v2\/posts\/653\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/financialtimes.cz\/index.php?rest_route=\/wp\/v2\/media\/655"}],"wp:attachment":[{"href":"https:\/\/financialtimes.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=653"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financialtimes.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=653"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/financialtimes.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=653"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}