[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.alfagrif.cz\/pojistka-na-blbost-zbytecnost-nebo-nezbytnost\/#Article","mainEntityOfPage":"https:\/\/www.alfagrif.cz\/pojistka-na-blbost-zbytecnost-nebo-nezbytnost\/","headline":"Pojistka na blbost \u2013 zbyte\u010dnost nebo nezbytnost?","name":"Pojistka na blbost \u2013 zbyte\u010dnost nebo nezbytnost?","description":"\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Poji\u0161t\u011bn\u00ed odpov\u011bdnosti zam\u011bstnance V 99% p\u0159\u00edpad\u016f po v\u00e1s bude zam\u011bstnavatel vy\u017eadovat uzav\u0159en\u00ed pr\u00e1v\u011b tohoto druhu pojistky. O co jde? P\u0159edstavte si, \u017ee pracujete v prodejn\u011b s drah\u00fdmi mobiln\u00edmi telefony. Nedopat\u0159en\u00edm v\u00e1m jeden z nich upadne na zem, rozbije se a \u0161koda v hodnot\u011b 20 000 K\u010d je na sv\u011bt\u011b. P\u0159ed o\u010dima se v\u00e1m za\u010d\u00ednaj\u00ed […]","datePublished":"2023-05-11","dateModified":"2023-05-11","author":{"@type":"Person","@id":"https:\/\/www.alfagrif.cz\/author\/#Person","name":"","url":"https:\/\/www.alfagrif.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/15c4177f6d86975c976af12ba80b10af7add2f97f8786f8cf1596253472c0ea7?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/15c4177f6d86975c976af12ba80b10af7add2f97f8786f8cf1596253472c0ea7?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"alfagrif.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.alfagrif.cz\/wp-content\/uploads\/img_a294826_w2112_t1506589476.jpg","url":"https:\/\/www.alfagrif.cz\/wp-content\/uploads\/img_a294826_w2112_t1506589476.jpg","height":0,"width":0},"url":"https:\/\/www.alfagrif.cz\/pojistka-na-blbost-zbytecnost-nebo-nezbytnost\/","wordCount":569,"articleBody":"\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Poji\u0161t\u011bn\u00ed odpov\u011bdnosti zam\u011bstnanceV 99% p\u0159\u00edpad\u016f po v\u00e1s bude zam\u011bstnavatel vy\u017eadovat uzav\u0159en\u00ed pr\u00e1v\u011b tohoto druhu pojistky. O co jde? P\u0159edstavte si, \u017ee pracujete v prodejn\u011b s drah\u00fdmi mobiln\u00edmi telefony. Nedopat\u0159en\u00edm v\u00e1m jeden z nich upadne na zem, rozbije se a \u0161koda v hodnot\u011b 20 000 K\u010d je na sv\u011bt\u011b. P\u0159ed o\u010dima se v\u00e1m za\u010d\u00ednaj\u00ed m\u00edhat hv\u011bzdi\u010dky, jeliko\u017e si pr\u00e1v\u011b uv\u011bdomujete, \u017ee se jedn\u00e1 o v\u00fd\u0161i va\u0161eho m\u011bs\u00ed\u010dn\u00edho platu a je celkem pochopiteln\u00e9, \u017ee zam\u011bstnavatel bude vy\u017eadovat \u00fahradu \u0161kody. Pokud v tomto p\u0159\u00edpad\u011b m\u00e1te sjedn\u00e1no poji\u0161t\u011bn\u00ed odpov\u011bdnosti, m\u016f\u017eete klidn\u011b sp\u00e1t. Pokud v\u0161ak ne, z\u0159ejm\u011b byste m\u011bli za\u010d\u00edt pl\u00e1novat rozpis p\u0159es\u010dasov\u00fdch hodin. Poji\u0161\u0165ovna za v\u00e1s neuhrad\u00ed \u010d\u00e1stku v cel\u00e9 v\u00fd\u0161i. P\u0159i podpisu pojistn\u00e9 smlouvy budete vyzv\u00e1ni k rozmyslu nad t\u00edm, jakou \u010d\u00e1st\u00ed se chcete na p\u0159\u00edpadn\u00fdch \u0161kod\u00e1ch pod\u00edlet. V\u00fd\u0161e spolu\u00fa\u010dasti se pohybuje v\u011bt\u0161inou od 0 do 30% a od jej\u00ed v\u00fd\u0161ese potom odv\u00edj\u00ed \u010d\u00e1stka ro\u010dn\u00edho pojistn\u00e9ho.\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Poji\u0161t\u011bn\u00ed profesn\u00ed odpov\u011bdnostiJedn\u00e1 se o poji\u0161t\u011bn\u00ed pro ty druhy profes\u00ed, p\u0159i kter\u00fdch jejich vykonavatel m\u016f\u017ee zp\u016fsobit \u0161kodu vlivem vlastn\u00edho profesn\u00edho pochyben\u00ed. Nej\u010dast\u011bji se jedn\u00e1 o \u00fa\u010detn\u00ed, da\u0148ov\u00e9 a finan\u010dn\u00ed poradce, l\u00e9ka\u0159e, ale i profesion\u00e1ln\u00ed \u0159idi\u010de nap\u0159. MHD nebo kamionov\u00e9 dopravy. Tento druh poji\u0161t\u011bn\u00ed hrad\u00ed \u0161kody majetkov\u00e9, zdravotn\u00ed i finan\u010dn\u00ed rovn\u011b\u017e se sjednanou spolu\u00fa\u010dast\u00ed.\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Poji\u0161t\u011bn\u00ed odpov\u011bdnosti vlastn\u00edka nemovitosti Poji\u0161t\u011bn\u00ed dom\u00e1cnosti \u010di nemovitosti je v dne\u0161n\u00ed dob\u011b v\u011bc\u00ed ji\u017e samoz\u0159ejmou. Toto poji\u0161t\u011bn\u00ed, kter\u00e9 se d\u00e1 ve v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f sjednat jako dopl\u0148kov\u00e9 pr\u00e1v\u011b k t\u011bmto b\u011b\u017en\u00fdm, mnoho pojistn\u00edk\u016f nevyu\u017e\u00edv\u00e1. Pro\u010d? V\u017edy\u0165 za sv\u016fj majetek nesete odpov\u011bdnost a tud\u00ed\u017e i \u0161kody zp\u016fsoben\u00e9 jeho vyu\u017e\u00edv\u00e1n\u00edm jsou va\u0161\u00ed starost\u00ed. Padaj\u00edc\u00ed sn\u00edh ze st\u0159ehy, zledovat\u011bl\u00e1 p\u0159\u00edjezdov\u00e1 cesta k domu a spousta dal\u0161\u00edch \u010d\u00edhaj\u00edc\u00edch nebezpe\u010d\u00ed, kter\u00e9 mohou v\u00e1m i va\u0161\u00ed pen\u011b\u017eence zp\u016fsobit nemal\u00e9 probl\u00e9my.\u00b7\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Poji\u0161t\u011bn\u00ed ob\u010dansk\u00e9 odpov\u011bdnostiVa\u0161emu dom\u00e1c\u00edmu mazl\u00ed\u010dkovi se nel\u00edb\u00ed sousedovy slepice a tak si s nimi jednodu\u0161e porad\u00ed po sv\u00e9m. Soused m\u011bl samoz\u0159ejm\u011b ke slepic\u00edm n\u011bjak\u00fd vztah. Slepice mu d\u00e1valy vaj\u00ed\u010dka, kter\u00e1 prod\u00e1val. To znamen\u00e1 u\u0161l\u00fd zisk, kter\u00fd m\u016f\u017ee dosahovat tis\u00edc\u016f. Pokud m\u00e1te poji\u0161t\u011bn\u00ed, m\u00e1te vystar\u00e1no.Va\u0161e divo\u010dej\u0161\u00ed d\u00edtko rozbije p\u0159i n\u00e1v\u0161t\u011bv\u011b n\u00e1bytkov\u00e9ho centra prosklenou ob\u00fdvac\u00ed st\u011bnu, shod\u00ed drahou v\u00e1zu nebo jich shod\u00ed dokonce n\u011bkolik. Existuje spousta dal\u0161\u00edch m\u00e9n\u011b \u010di v\u00edce katastrofick\u00fdch sc\u00e9n\u00e1\u0159\u016f situac\u00ed, kter\u00e9 mohou nastat a znemp\u0159\u00edjemnit v\u00e1m \u017eivot. Proto i v tomto p\u0159\u00edpad\u011b si rozmyslete, zda se v\u00e1m vyplat\u00ed u\u0161et\u0159it 500 K\u010d ro\u010dn\u011b a modlit se ka\u017ed\u00e9 r\u00e1no, a\u0165 se ten den nic nep\u0159ihod\u00ed nebo tuto nepatrnou \u010d\u00e1stku zaplatit a \u017e\u00edt si v poklidu.\u00a0                                                                                                                                                                                                                                                                                                                                                                                        4.5\/5 - (8 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Pojistka na blbost \u2013 zbyte\u010dnost nebo nezbytnost?","item":"https:\/\/www.alfagrif.cz\/pojistka-na-blbost-zbytecnost-nebo-nezbytnost\/#breadcrumbitem"}]}]