{"id":1291,"date":"2023-04-20T17:29:45","date_gmt":"2023-04-20T15:29:45","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=1291"},"modified":"2023-04-20T17:31:05","modified_gmt":"2023-04-20T15:31:05","slug":"skoda-zpusobena-zamestnancem","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/skoda-zpusobena-zamestnancem\/","title":{"rendered":"\u0160koda zp\u016fsoben\u00e1 zam\u011bstnancem \u2013 kdo ji plat\u00ed?"},"content":{"rendered":"\n<p>Kdy\u017e si rozbijete vlastn\u00ed v\u011bc, zachv\u00e1t\u00ed v\u00e1s vztek a l\u00edtost. Pokud zp\u016fsob\u00edte \u0161kodu v zam\u011bstn\u00e1n\u00ed, pravd\u011bpodobn\u011b se ke zm\u00edn\u011bn\u00fdm emoc\u00edm p\u0159id\u00e1 je\u0161t\u011b panika. Zam\u011bstnavatel po v\u00e1s toti\u017e m\u016f\u017ee po\u017eadovat finan\u010dn\u00ed n\u00e1hradu. A tu nepokryje \u201cpojistka na blbost\u201d, kter\u00e1 v\u00e1s chr\u00e1n\u00ed v ob\u010dansk\u00e9m \u017eivot\u011b. Pot\u0159ebujete poji\u0161t\u011bn\u00ed odpov\u011bdnosti zam\u011bstnance za \u0161kodu zp\u016fsobenou zam\u011bstnavateli (v oboru sklo\u0148ovan\u00e9 jako \u201czamzamka\u201d). A tomu se budeme v\u011bnovat dnes.<\/p>\n\n\n\n<p>T\u00edmto textem voln\u011b navazujeme na \u010dl\u00e1nek <a href=\"https:\/\/www.rixo.cz\/blog\/vse-o-pojisteni-odpovednosti\/\">V\u0161e o poji\u0161t\u011bn\u00ed odpov\u011bdnosti \u2013 co to je a pro\u010d ho m\u00edt<\/a>. Pokud v\u00e1s v\u00edc zaj\u00edm\u00e1 <a href=\"https:\/\/www.rixo.cz\/pojisteni-odpovednosti\/\">poji\u0161t\u011bn\u00ed odpov\u011bdnosti<\/a> v b\u011b\u017en\u00e9m, mimopracovn\u00edm \u017eivot\u011b, dostanete v\u0161echny informace tam.<\/p>\n\n\n\n<p>Jste OSV\u010c? Pozor, na v\u00e1s se n\u00e1sleduj\u00edc\u00ed rady nevztahuj\u00ed. Do vyhled\u00e1va\u010de zadejte dotaz \u201cpoji\u0161t\u011bn\u00ed podnikatele\u201d.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">V jak\u00fdch p\u0159\u00edpadech odpov\u00edd\u00e1 zam\u011bstnanec za \u0161kodu<\/h2>\n\n\n\n<p>Odpov\u011b\u010f najdeme v z\u00e1kon\u00edku pr\u00e1ce. Ten \u0159\u00edk\u00e1, \u017ee <em>zam\u011bstnanec odpov\u00edd\u00e1 zam\u011bstnavateli za \u0161kodu, kterou mu zp\u016fsobil zavin\u011bn\u00fdm poru\u0161en\u00edm povinnost\u00ed p\u0159i pln\u011bn\u00ed pracovn\u00edch \u00fakol\u016f \u010di v p\u0159\u00edm\u00e9 souvislosti s n\u00edm.<\/em><\/p>\n\n\n\n<p>To tedy znamen\u00e1, \u017ee mus\u00ed vzniknout (finan\u010dn\u011b vy\u010d\u00edsliteln\u00e1) <strong>\u0161koda, kter\u00e9 p\u0159edch\u00e1zela va\u0161e lidsk\u00e1 chyba<\/strong> (a\u0165 u\u017e \u00famysln\u00e1, nebo nedbalostn\u00ed). Typicky se jedn\u00e1 o nedodr\u017een\u00ed intern\u00edch sm\u011brnic nebo pokyn\u016f va\u0161eho \u0161\u00e9fa.<\/p>\n\n\n\n<p>Va\u0161e <strong>zavin\u011bn\u00ed v\u00e1m zam\u011bstnavatel tak\u00e9 mus\u00ed prok\u00e1zat<\/strong>. Pokud t\u0159eba ztrat\u00edte slu\u017eebn\u00ed notebook, mobil nebo jinou pom\u016fcku, zam\u011bstnavatel mus\u00ed disponovat p\u00edsemn\u00fdm dolo\u017een\u00edm toho, \u017ee jste si p\u0159edm\u011bt skute\u010dn\u011b prevzali. V\u00fdjimkou je situace, kdy jste podepsali tzv. <em>dohodu o odpov\u011bdnosti za sv\u011b\u0159en\u00e9 hodnoty<\/em> a manipulujete s hotovost\u00ed nebo zbo\u017e\u00edm (jako to b\u011b\u017en\u011b b\u00fdv\u00e1 nap\u0159. v gastronomii). Pak zam\u011bstnavatel nemus\u00ed va\u0161e zavin\u011bn\u00ed prokazovat.<\/p>\n\n\n\n<div class=\"wp-block-group is-content-justification-center is-nowrap is-layout-flex wp-container-core-group-is-layout-1 wp-block-group-is-layout-flex\">\n<iframe loading=\"lazy\" height=\"460\" width=\"400\" frameborder=\"0\" data-lazy=\"true\" data-src=\"https:\/\/www.rixo.cz\/forms\/vehicle-insurance-form\/\"><\/iframe>\n<\/div>\n\n\n\n<p>Zvl\u00e1\u0161tn\u00ed kategori\u00ed, kdy m\u00e1te povinnost nahradit vzniklou \u0161kodu, je tak\u00e9 <em>nespln\u011bn\u00ed povinnosti k odvr\u00e1cen\u00ed \u0161kody<\/em>. Pokud p\u0159ihl\u00ed\u017e\u00edte bl\u00ed\u017e\u00edc\u00ed se \u0161kod\u011b a nezabr\u00e1n\u00edte j\u00ed (alespo\u0148 t\u00edm, \u017ee informujete sv\u00e9ho nad\u0159\u00edzen\u00e9ho), m\u016f\u017ee se st\u00e1t, \u017ee se <strong>na n\u00e1hrad\u011b \u0161kody budete muset pod\u00edlet<\/strong> (v rozsahu p\u0159im\u011b\u0159en\u00e9mu okolnostem).<\/p>\n\n\n\n<p>V n\u011bkter\u00fdch profes\u00edch zam\u011bstnavatel trv\u00e1 na tom, abyste si \u201czamzamku\u201d sjednali. Bez n\u011bj nesm\u00edte do firmy nastoupit. Vz\u00e1cn\u011b nar\u00e1\u017e\u00edme na to, \u017ee poji\u0161t\u011bn\u00ed zam\u011bstnance hrad\u00ed firma, co\u017e m\u016f\u017eete br\u00e1t jako mil\u00fd zam\u011bstnaneck\u00fd benefit.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Jak\u00e9 jsou nej\u010dast\u011bj\u0161\u00ed \u0161kody zp\u016fsoben\u00e9 zam\u011bstnancem<\/h2>\n\n\n\n<p>Chybovat je lidsk\u00e9. V pracovn\u00ed dob\u011b, kdy \u010dasto \u010del\u00edme stresu a \u00fanav\u011b, to plat\u00ed dvojn\u00e1sob. I mal\u00fd omyl um\u00ed nap\u00e1chat velkou \u0161kodu. S jak\u00fdmi p\u0159e\u0161lapy se setk\u00e1v\u00e1me nej\u010dast\u011bji?<\/p>\n\n\n\n<ul>\n<li><strong>Po\u0161kozen\u00ed nebo ztr\u00e1ta sv\u011b\u0159en\u00fdch v\u011bc\u00ed.<\/strong> A\u0165 u\u017e jde o mobil nebo vrta\u010dku\u2026<\/li>\n\n\n\n<li><strong>Nehoda se slu\u017eebn\u00edm automobilem. <\/strong>Za\u010d\u00edn\u00e1 to od\u0159en\u00fdm lakem, kon\u010d\u00ed hav\u00e1ri\u00ed na d\u00e1lnici.<\/li>\n\n\n\n<li><strong>Po\u0161kozen\u00ed v\u00fdrobn\u00edho stroje nebo zbo\u017e\u00ed um\u00edst\u011bn\u00e9ho ve skladu. <\/strong>Manipulujete s drah\u00fdm strojem nebo je\u0161t\u011brkou? Tady se poji\u0161t\u011bn\u00ed ur\u010dit\u011b vyplat\u00ed\u2026<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Jakou maxim\u00e1ln\u00ed v\u00fd\u0161i \u0161kody m\u016f\u017ee zam\u011bstnanec zaplatit<\/h2>\n\n\n\n<p>Obecn\u011b plat\u00ed, \u017ee zam\u011bstnavatel po v\u00e1s m\u016f\u017ee \u017e\u00e1dat a\u017e<strong> 4,5n\u00e1sobek pr\u016fm\u011brn\u00e9ho hrub\u00e9ho v\u00fdd\u011blku. <\/strong>Pokud ke \u0161kod\u011b (\u010di jej\u00edmu zji\u0161t\u011bn\u00ed) dojde v dubnu, rozhoduje plat, kter\u00fd m\u00e1te ve smlouv\u011b k 1. b\u0159eznu.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-1 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-background wp-element-button\" href=\"https:\/\/www.rixo.cz\/pojisteni-odpovednosti\/\" style=\"background-color:#ff8500\">Srovnejte si poji\u0161t\u011bn\u00ed odpov\u011bdnosti zam\u011bstnance<\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<p>Tenhle strop se nevztahuje na situace, kdy jste \u0161kodu zp\u016fsobili <strong>\u00famysln\u011b nebo pod vlivem n\u00e1vykov\u00fdch l\u00e1tek<\/strong>. Pak plat\u00edte \u0161kodu v pln\u00e9 v\u00fd\u0161i. I dv\u011b nevinn\u00e1 pivka k ob\u011bdu se rychle prom\u011bn\u00ed v no\u010dn\u00ed m\u016fru.<\/p>\n\n\n\n<p>Pokud \u0161lo o kolektivn\u00ed vinu v\u00edcero zam\u011bstnanc\u016f, ka\u017ed\u00fd z nich hrad\u00ed pom\u011brnou \u010d\u00e1st \u0161kody <strong>podle m\u00edry sv\u00e9ho zavin\u011bn\u00ed<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Zp\u016fsob \u00fahrady \u0161kody<\/h2>\n\n\n\n<p>V\u00fd\u0161i \u0161kody s v\u00e1mi mus\u00ed zam\u011bstnavatel projednat, ne\u017e podep\u00ed\u0161ete dohodu o zp\u016fsobu n\u00e1hrady \u0161kody. Zp\u016fsob n\u00e1hrady \u0161kody upravuje <strong>z\u00e1kon\u00edk pr\u00e1ce<\/strong>. \u0160kodu v\u00e1m bude&nbsp; zam\u011bstnavatel postupn\u011b strh\u00e1vat z v\u00fdplaty, pokud se nedohodnete jinak a nezaplat\u00edte \u010d\u00e1stku celou. Sr\u00e1\u017eky ze mzdy nem\u016f\u017ee firma prov\u00e1d\u011bt bez va\u0161eho souhlasu.&nbsp;<\/p>\n\n\n\n<p>Z\u00e1kon tak\u00e9 stanov\u00ed maxim\u00e1ln\u00ed \u010d\u00e1stku, kterou v\u00e1m zam\u011bstnavatel m\u016f\u017ee srazit. To v\u00e1m zaru\u010d\u00ed, \u017ee nez\u016fstanete bez finan\u010dn\u00edch prost\u0159edk\u016f a z v\u00fdplaty v\u00e1m zbyde dostatek pen\u011bz na z\u00e1kladn\u00ed v\u00fddaje.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Jak se m\u016f\u017ee zam\u011bstnanec pojistit s\u00e1m<\/h2>\n\n\n\n<p>Poji\u0161t\u011bn\u00ed odpov\u011bdnosti zam\u011bstnance za \u0161kodu zp\u016fsobenou zam\u011bstnavateli <a href=\"https:\/\/www.rixo.cz\/pojisteni-odpovednosti\/\">sjedn\u00e1v\u00e1me online<\/a>, jako jedin\u00ed na trhu online srovn\u00e1va\u010d\u016f! Nav\u00edc sta\u010d\u00ed odpov\u011bd\u011bt jen na t\u0159i jednoduch\u00e9 ot\u00e1zky:<\/p>\n\n\n\n<ul>\n<li>\u0158\u00edd\u00edte vozidlo nebo obsluhujete pracovn\u00ed stroj?<\/li>\n\n\n\n<li>Jak\u00e9 je va\u0161e m\u00edsto v\u00fdkonu povol\u00e1n\u00ed?<\/li>\n\n\n\n<li>Jak\u00fd je v\u00e1\u0161 hrub\u00fd m\u011bs\u00ed\u010dn\u00ed plat v\u010detn\u011b bonus\u016f a mimo\u0159\u00e1dn\u00fdch odm\u011bn?<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Jak nastavit limit pln\u011bn\u00ed<\/h3>\n\n\n\n<p>U\u017e v\u00edte, \u017ee va\u0161i pr\u016fm\u011brnou m\u011bs\u00ed\u010dn\u00ed mzdu pot\u0159ebujeme zn\u00e1t kv\u016fli z\u00e1konn\u00e9mu limitu, kter\u00fd popisujeme v\u00fd\u0161e. Nem\u00e1 cenu tedy z\u00e1m\u011brn\u011b uv\u00e1d\u011bt ni\u017e\u0161\u00ed \u010d\u00e1stku. S tou v\u00e1m sice klesne cena pojistky, ale v p\u0159\u00edpad\u011b \u0161kody v\u00e1m kryt\u00ed nebude sta\u010dit. U v\u0161ech produkt\u016f taky po\u010d\u00edtejte se spolu\u00fa\u010dast\u00ed, kter\u00e1 se pohybuje od 10 do 30 % podle podm\u00ednek vybran\u00e9 poji\u0161\u0165ovny. Ur\u010dit\u011b p\u0159i uzav\u00edr\u00e1n\u00ed pojistky tedy zohledn\u011bte sv\u016fj finan\u010dn\u00ed pol\u0161t\u00e1\u0159.<\/p>\n\n\n\n<p>P\u0159ijde v\u00e1m to slo\u017eit\u00e9? Nebojte se, na\u0161i specialist\u00e9 poji\u0161t\u011bn\u00ed odpov\u011bdnosti v\u00e1m v\u0161echno trp\u011bliv\u011b porad\u00ed a nastav\u00ed. Sta\u010d\u00ed popt\u00e1vku zadat na na\u0161em webu nebo zavolat na na\u0161\u00ed nonstop linku +420 233 089 233.<\/p>\n\n\n\n<div class=\"wp-block-group is-content-justification-center is-nowrap is-layout-flex wp-container-core-group-is-layout-2 wp-block-group-is-layout-flex\">\n<iframe loading=\"lazy\" height=\"460\" width=\"400\" frameborder=\"0\" data-lazy=\"true\" data-src=\"https:\/\/www.rixo.cz\/forms\/vehicle-insurance-form\/\"><\/iframe>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Kdy\u017e si rozbijete vlastn\u00ed v\u011bc, zachv\u00e1t\u00ed v\u00e1s vztek a l\u00edtost. Pokud zp\u016fsob\u00edte \u0161kodu v zam\u011bstn\u00e1n\u00ed, pravd\u011bpodobn\u011b se ke zm\u00edn\u011bn\u00fdm emoc\u00edm p\u0159id\u00e1 je\u0161t\u011b panika. Zam\u011bstnavatel po v\u00e1s toti\u017e m\u016f\u017ee po\u017eadovat finan\u010dn\u00ed n\u00e1hradu. A tu nepokryje \u201cpojistka na blbost\u201d. Pot\u0159ebujete poji\u0161t\u011bn\u00ed odpov\u011bdnosti zam\u011bstnance. <\/p>\n","protected":false},"author":6,"featured_media":1294,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"rank_math_lock_modified_date":false,"footnotes":""},"categories":[48,7],"tags":[45,46],"acf":[],"_links":{"self":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/1291"}],"collection":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/comments?post=1291"}],"version-history":[{"count":5,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/1291\/revisions"}],"predecessor-version":[{"id":1297,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/1291\/revisions\/1297"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media\/1294"}],"wp:attachment":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media?parent=1291"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/categories?post=1291"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/tags?post=1291"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}