[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/pojisteni-odpovednosti\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/pojisteni-odpovednosti\/","headline":"Poji\u0161t\u011bn\u00ed odpov\u011bdnosti","name":"Poji\u0161t\u011bn\u00ed odpov\u011bdnosti","description":"1) Poji\u0161t\u011bn\u00ed ob\u010dansk\u00e9 odpov\u011bdnosti za \u0161kodu &ndash;jedn\u00e1 se o klasick\u00fd typ poji\u0161t\u011bn\u00ed odpov\u011bdnosti, kter\u00fd se ale m\u016f\u017ee st\u00e1t velmi praktick\u00fdm pomocn\u00edkem v&nbsp;situac\u00edch, kdy m\u00e1me, jak se \u0159\u00edk\u00e1 ,,den blbec.&ldquo; Sta\u010d\u00ed jeden takov\u00fd den. P\u0159edstavte si situaci &ndash; r\u00e1no vstanete levou nohou a se \u0161patnou n\u00e1ladou, jedete na kole do pr\u00e1ce, jenom\u017ee ne\u0161\u0165astnou n\u00e1hodou zavr\u00e1vor\u00e1te a &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/pojisteni-odpovednosti\/\"> <span class=\"screen-reader-text\">Poji\u0161t\u011bn\u00ed odpov\u011bdnosti<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2017-08-19","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.zerba.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.zerba.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/30f99868bdc637a3107fd3940cfc0bc4?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/30f99868bdc637a3107fd3940cfc0bc4?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"zerba.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a298110_w2264_t1508406172.jpg","url":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a298110_w2264_t1508406172.jpg","height":"","width":""},"url":"https:\/\/www.zerba.cz\/pojisteni-odpovednosti\/","about":["Poji\u0161t\u011bn\u00ed"],"wordCount":497,"articleBody":"1) Poji\u0161t\u011bn\u00ed ob\u010dansk\u00e9 odpov\u011bdnosti za \u0161kodu &ndash;jedn\u00e1 se o klasick\u00fd typ poji\u0161t\u011bn\u00ed odpov\u011bdnosti, kter\u00fd se ale m\u016f\u017ee st\u00e1t velmi praktick\u00fdm pomocn\u00edkem v&nbsp;situac\u00edch, kdy m\u00e1me, jak se \u0159\u00edk\u00e1 ,,den blbec.&ldquo; Sta\u010d\u00ed jeden takov\u00fd den. P\u0159edstavte si situaci &ndash; r\u00e1no vstanete levou nohou a se \u0161patnou n\u00e1ladou, jedete na kole do pr\u00e1ce, jenom\u017ee ne\u0161\u0165astnou n\u00e1hodou zavr\u00e1vor\u00e1te a pod\u0159ete auto zaparkovan\u00e9 vedle chodn\u00edku, v&nbsp;pr\u00e1ci p\u0159evrhnete hrnek hork\u00e9 k\u00e1vy kolegovi na telefon, ze \u0161koly V\u00e1m volaj\u00ed, \u017ee Va\u0161e d\u00edt\u011b rozbilo okno, kdy\u017e kopalo do m\u00ed\u010de a na z\u00e1v\u011br V\u00e1\u0161 pes sousedce roztrhal velmi drah\u00e9 boty.Ano, tohle je tro\u0161ku p\u0159ehnan\u00e9 a v&nbsp;re\u00e1lu snad takov\u00fd \u0161patn\u00fd den ani nem\u016f\u017eeme za\u017e\u00edt, ale abyste se nedivili. V\u00edte, na kolik by V\u00e1s takov\u00fd den mohl p\u0159ij\u00edt? St\u00e1lo by to spoustu pen\u011bz. Pokud v\u0161ak m\u00e1te poji\u0161t\u011bn\u00ed odpov\u011bdnosti, uhrad\u00ed za V\u00e1s v\u0161echny \u0161kody pr\u00e1v\u011b poji\u0161\u0165ovna, kter\u00e1 m\u016f\u017ee nab\u00eddnout pln\u011bn\u00ed a\u017e do 15 mil. K\u010d. Poji\u0161t\u011bn\u00ed odpov\u011bdnosti je pro V\u00e1s tedy vhodn\u00e9, pokud jste m\u00e9n\u011b \u0161ikovn\u00ed, pokud m\u00e1te d\u011bti, i pokud m\u00e1te dom\u00e1c\u00edho mazl\u00ed\u010dka. Ano, dnes za V\u00e1s poji\u0161\u0165ovna uhrad\u00ed i v&nbsp;p\u0159\u00edpad\u011b, kdy ji zp\u016fsob\u00ed V\u00e1s pes, dokonce i tehdy, kdy\u017e V\u00e1\u0161 pes n\u011bkoho pokou\u0161e.Odpov\u011bdnost se nyn\u00ed zahrnuje do smlouvy o poji\u0161t\u011bn\u00ed nemovitosti a dom\u00e1cnosti a vztahuje se na v\u0161echny osoby, kter\u00e9 na dan\u00e9 adrese maj\u00ed trval\u00e9 bydli\u0161t\u011b.2) Poji\u0161t\u011bn\u00ed odpov\u011bdnosti zam\u011bstnance &ndash;uzav\u00edr\u00e1 se v&nbsp;pracovn\u00edm pom\u011bru a vztahuje se na \u0161kody, kter\u00e9 zp\u016fsob\u00edte ne\u0161\u0165astnou n\u00e1hodou sv\u00e9mu zam\u011bstnavateli. Pojistku je vhodn\u00e9 uzav\u0159\u00edt, pokud d\u011bl\u00e1te zodpov\u011bdnou pr\u00e1ci, kde hroz\u00ed ur\u010dit\u00e1 rizika (nap\u0159. pracujete na vr\u00e1tnici a m\u016f\u017ee V\u00e1m spadnout z\u00e1vora na auto), d\u00e1le pokud pracujete s&nbsp;drah\u00fdmi n\u00e1stroji&hellip;3) Poji\u0161t\u011bn\u00ed provozn\u00ed a profesn\u00ed odpov\u011bdnosti za \u0161kodu &ndash;toto je vhodn\u00e9 pro v\u0161echny, kdo vykon\u00e1vaj\u00ed pr\u00e1ci s&nbsp;vysokou m\u00edrou zodpov\u011bdnosti. N\u011bkter\u00fdm profes\u00edm dokonce z\u00e1kon ukl\u00e1d\u00e1 povinnost sjednat pro vlastn\u00ed v\u00fdkon toto poji\u0161t\u011bn\u00ed &ndash; soudn\u00ed znalci, advok\u00e1ti, architekti, l\u00e9ka\u0159i a mnoho dal\u0161\u00edch.Poji\u0161t\u011bn\u00ed odpov\u011bdnosti stoj\u00ed p\u00e1r stovek ro\u010dn\u011b, ale mnohdy V\u00e1m m\u016f\u017ee u\u0161et\u0159it velk\u00e9 tr\u00e1pen\u00ed se sh\u00e1n\u011bn\u00edm finan\u010dn\u00edch prost\u0159edk\u016f na \u00fahradu \u0161kod, kter\u00e9 jste zp\u016fsobili ne\u0161\u0165astnou n\u00e1hodou.Proto pro sv\u016fj klid je vhodn\u00e9 se zabezpe\u010dit i z&nbsp;t\u00e9to str\u00e1nky.                                                                                                                                                                                                                                                                                                                                                                                                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