{"id":4329,"date":"2026-07-30T10:08:21","date_gmt":"2026-07-30T08:08:21","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=4329"},"modified":"2026-07-30T10:08:24","modified_gmt":"2026-07-30T08:08:24","slug":"odpovednost-zamestnance-za-co-odpovidate","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/odpovednost-zamestnance-za-co-odpovidate\/","title":{"rendered":"Odpov\u011bdnost zam\u011bstnance za \u0161kodu p\u0159ehledn\u011b: Za co a do jak\u00e9 v\u00fd\u0161e odpov\u00edd\u00e1te?"},"content":{"rendered":"\n<p>Polili jste firemn\u00ed notebook, nabourali jste dod\u00e1vku, nesed\u00ed v\u00e1m inventura v pokladn\u011b. Ve chv\u00edli, kdy v pr\u00e1ci zp\u016fsob\u00edte n\u011bjakou \u0161kodu, v\u00e1s rozhodn\u011b bude zaj\u00edmat, jakou n\u00e1hradu \u0161kody po v\u00e1s zam\u011bstnavatel m\u016f\u017ee po\u017eadovat. Jak \u0161irok\u00e1 je odpov\u011bdnost zam\u011bstnance?<\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Co se v \u010dl\u00e1nku dozv\u00edte?<\/h2><nav><ul><li class=\"\"><a href=\"#kdy-zamestnanec-odpovida-za-skodu\">Kdy zam\u011bstnanec odpov\u00edd\u00e1 za \u0161kodu?<\/a><\/li><li class=\"\"><a href=\"#jake-jsou-druhy-odpovednosti-zamestnance\">Jak\u00e9 jsou druhy odpov\u011bdnosti zam\u011bstnance?<\/a><ul><li class=\"\"><a href=\"#1-obecna-odpovednost-zamestnance-za-skodu\">1. Obecn\u00e1 odpov\u011bdnost zam\u011bstnance za \u0161kodu\u00a0<\/a><\/li><li class=\"\"><a href=\"#2-nesplneni-povinnosti-k-odvraceni-skody\">2. Nespln\u011bn\u00ed povinnosti k odvr\u00e1cen\u00ed \u0161kody<\/a><\/li><li class=\"\"><a href=\"#3-schodek-na-sverenych-hodnotach\">3. Schodek na sv\u011b\u0159en\u00fdch hodnot\u00e1ch\u00a0<\/a><\/li><li class=\"\"><a href=\"#4-ztrata-sverenych-predmetu\">4. Ztr\u00e1ta sv\u011b\u0159en\u00fdch p\u0159edm\u011bt\u016f<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#jak-se-pocita-prumerny-vydelek\">Jak se po\u010d\u00edt\u00e1 pr\u016fm\u011brn\u00fd v\u00fdd\u011blek?<\/a><\/li><li class=\"\"><a href=\"#jak-zamestnavatel-skodu-vymaha\">Jak zam\u011bstnavatel \u0161kodu vym\u00e1h\u00e1?<\/a><\/li><li class=\"\"><a href=\"#jak-se-chranit-pojistenim\">Jak se chr\u00e1nit poji\u0161t\u011bn\u00edm?\u00a0<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<p>Odpov\u011b\u010f na ot\u00e1zku, kolik po v\u00e1s m\u016f\u017ee zam\u011bstnavatel cht\u00edt nahradit, kdy\u017e mu zp\u016fsob\u00edte \u0161kodu, nen\u00ed univerz\u00e1ln\u00ed. Z\u00e1kon\u00edk pr\u00e1ce nerozli\u0161uje jen to, jestli jste \u0161kodu zp\u016fsobili, ale hlavn\u011b jak k n\u00ed do\u0161lo \u2013 a od toho se odv\u00edj\u00ed, jestli budete platit \u010dty\u0159ap\u016fln\u00e1sobek platu, t\u0159i platy, nebo klidn\u011b celou \u0161kodu bez jak\u00e9hokoli stropu. Odpov\u011bdnost zam\u011bstnance m\u00e1 toti\u017e v\u00edce podob. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"kdy-zamestnanec-odpovida-za-skodu\">Kdy zam\u011bstnanec odpov\u00edd\u00e1 za \u0161kodu?<\/h2>\n\n\n\n<p>Z\u00e1kladn\u00ed pravidlo odpov\u011bdnosti zam\u011bstnance za <a href=\"https:\/\/www.rixo.cz\/blog\/skoda-zpusobena-zamestnancem\/\">\u0161kodu zp\u016fsobenou zam\u011bstnavateli<\/a> najdete v <a href=\"https:\/\/e-sbirka.gov.cz\/sb\/2006\/262#par_250\" target=\"_blank\" rel=\"noopener\">\u00a7 250 z\u00e1kon\u00edku pr\u00e1ce<\/a> (ZP). Aby v\u00e1m vznikla povinnost \u0161kodu nahradit, mus\u00ed b\u00fdt sou\u010dasn\u011b spln\u011bny \u010dty\u0159i podm\u00ednky: poru\u0161ili jste ur\u010ditou <strong>povinnost<\/strong> (intern\u00ed sm\u011brnici, pracovn\u00ed \u0159\u00e1d, pokyn nad\u0159\u00edzen\u00e9ho, pravidla BOZP) p\u0159i <strong>pln\u011bn\u00ed pracovn\u00edch \u00fakol\u016f nebo v p\u0159\u00edm\u00e9 souvislosti<\/strong> s n\u00edm, vznikla t\u00edm zam\u011bstnavateli finan\u010dn\u011b vy\u010d\u00edsliteln\u00e1 \u0161koda, existuje <strong>p\u0159\u00ed\u010dinn\u00e1 souvislost <\/strong>mezi va\u0161\u00edm jedn\u00e1n\u00edm a \u0161kodou, a v\u0161e se stalo <strong>va\u0161\u00edm zavin\u011bn\u00edm<\/strong> \u2013 a\u0165 u\u017e \u00famysln\u00fdm, nebo z nedbalosti.<\/p>\n\n\n\n<p>Pokud chyb\u00ed jedin\u00e1 z podm\u00ednek, zam\u011bstnanci povinnost nahradit \u0161kodu nevznik\u00e1. Va\u0161e zavin\u011bn\u00ed mus\u00ed obecn\u011b dokazovat <strong>zam\u011bstnavatel<\/strong>, ne vy. V p\u0159\u00edpad\u011b schodku na sv\u011b\u0159en\u00fdch hodnot\u00e1ch nebo ztr\u00e1ty sv\u011b\u0159en\u00fdch v\u011bc\u00ed je tomu ale p\u0159esn\u011b naopak.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jake-jsou-druhy-odpovednosti-zamestnance\">Jak\u00e9 jsou druhy odpov\u011bdnosti zam\u011bstnance?<\/h2>\n\n\n\n<p>Z\u00e1kon\u00edk pr\u00e1ce nepracuje s jedinou odpov\u011bdnost\u00ed za \u0161kodu, ale se \u010dty\u0159mi samostatn\u00fdmi re\u017eimy. Ka\u017ed\u00fd m\u00e1 jinou v\u00fd\u0161i n\u00e1hrady i jin\u00e1 pravidla dokazov\u00e1n\u00ed.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"1-obecna-odpovednost-zamestnance-za-skodu\">1. Obecn\u00e1 odpov\u011bdnost zam\u011bstnance za \u0161kodu&nbsp;<\/h3>\n\n\n\n<p>Obecn\u00e1 odpov\u011bdnost zam\u011bstnance za \u0161kodu je zakotvena v <a href=\"https:\/\/e-sbirka.gov.cz\/sb\/2006\/262#par_250\" target=\"_blank\" rel=\"noopener\">\u00a7 250 ZP<\/a>. Povinnost k n\u00e1hrad\u011b \u0161kody v tomto re\u017eimu se uplat\u0148uje \u010dasto, nap\u0159\u00edklad v p\u0159\u00edpad\u011b rozbit\u00e9ho pracovn\u00edho n\u00e1stroje, chyby p\u0159i obsluze stroje nebo rozbit\u00ed v\u00fdrobk\u016f a zbo\u017e\u00ed k prodeji. Pokud \u0161kodu zp\u016fsob\u00edte <strong>z nedbalosti<\/strong>, v\u00fd\u0161e n\u00e1hrady nesm\u00ed p\u0159es\u00e1hnout <strong>4,5n\u00e1sobek va\u0161eho pr\u016fm\u011brn\u00e9ho m\u011bs\u00ed\u010dn\u00edho v\u00fdd\u011blku<\/strong>. Zam\u011bstnavatel v\u00e1m p\u0159itom mus\u00ed zavin\u011bn\u00ed prok\u00e1zat. V tomto p\u0159\u00edpad\u011b se m\u016f\u017eete spolehnout na sv\u00e9 <a href=\"https:\/\/www.rixo.cz\/pojisteni-odpovednosti-zamestnance\/\"><strong>poji\u0161t\u011bn\u00ed odpov\u011bdnosti zam\u011bstnance<\/strong><\/a>. Mo\u017en\u00fdm \u0159e\u0161en\u00edm ale m\u016f\u017ee b\u00fdt i od\u010din\u011bn\u00ed \u0161kody, pokud je mo\u017en\u00e9 \u0161kodu napravit a uv\u00e9st v\u011bci do p\u016fvodn\u00edho stavu.<\/p>\n\n\n\n<p>V p\u0159\u00edpad\u011b, \u017ee zam\u011bstnanec zp\u016fsob\u00ed \u0161kodu<strong> \u00famysln\u011b, pod vlivem alkoholu \u010di n\u00e1vykov\u00fdch l\u00e1tek<\/strong>, m\u016f\u017ee zam\u011bstnavatel \u017e\u00e1dat<strong> n\u00e1hradu cel\u00e9 \u0161kody<\/strong> bez ohledu na v\u00fd\u0161e zm\u00edn\u011bn\u00fd limit 4,5n\u00e1sobku m\u011bs\u00ed\u010dn\u00edho v\u00fdd\u011blku. Pravd\u011bpodobn\u011b v\u00e1s nep\u0159ekvap\u00ed, \u017ee v t\u011bchto vyjmenovan\u00fdch p\u0159\u00edpadech <strong>nepom\u016f\u017ee ani poji\u0161t\u011bn\u00ed<\/strong> odpov\u011bdnosti zam\u011bstnance.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"2-nesplneni-povinnosti-k-odvraceni-skody\">2. Nespln\u011bn\u00ed povinnosti k odvr\u00e1cen\u00ed \u0161kody<\/h3>\n\n\n\n<p>Kdy\u017e \u0161kodu sice nezp\u016fsob\u00edte p\u0159\u00edmo, ale nespln\u00edte svou povinnost na ni nap\u0159\u00edklad upozornit nad\u0159\u00edzen\u00e9ho nebo proti n\u00ed p\u0159\u00edmo zakro\u010dit (pokud byste t\u00edm nevystavili v\u00e1\u017en\u00e9mu nebezpe\u010d\u00ed sami sebe nebo jinou osobu), tak\u00e9 za ni m\u016f\u017eete b\u00fdt odpov\u011bdn\u00ed. N\u00e1hrada \u0161kody je v tomto p\u0159\u00edpad\u011b podle <a href=\"https:\/\/e-sbirka.gov.cz\/sb\/2006\/262#par_251\" target=\"_blank\" rel=\"noopener\">\u00a7 251 ZP<\/a> omezen\u00e1 na <strong>trojn\u00e1sobek pr\u016fm\u011brn\u00e9ho m\u011bs\u00ed\u010dn\u00edho v\u00fdd\u011blku<\/strong>. I zde se v p\u0159\u00edpad\u011b nespln\u011bn\u00ed povinnosti z nedbalosti uplatn\u00ed va\u0161e <a href=\"https:\/\/www.rixo.cz\/pojisteni-odpovednosti-zamestnance\/\">poji\u0161t\u011bn\u00ed odpov\u011bdnosti zam\u011bstnance<\/a>.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"3-schodek-na-sverenych-hodnotach\">3. Schodek na sv\u011b\u0159en\u00fdch hodnot\u00e1ch&nbsp;<\/h3>\n\n\n\n<p>Pojem schodek na sv\u011b\u0159en\u00fdch hodnot\u00e1ch na v\u00e1s m\u016f\u017ee p\u016fsobit slo\u017eit\u011b, nejde ale o nic jin\u00e9ho ne\u017e dob\u0159e zn\u00e1m\u00e9 \u201c<strong>manko v pokladn\u011b<\/strong>\u201d u zam\u011bstnanc\u016f, kte\u0159\u00ed maj\u00ed podepsanou tzv. hmotnou odpov\u011bdnost. Tato situace upraven\u00e1 <a href=\"https:\/\/e-sbirka.gov.cz\/sb\/2006\/262#par_252\" target=\"_blank\" rel=\"noopener\">\u00a7 252 a n\u00e1sl. ZP<\/a> m\u016f\u017ee potkat nejen pokladn\u00ed, ale nap\u0159\u00edklad skladn\u00edky nebo jin\u00e9 zam\u011bstnance, kte\u0159\u00ed maj\u00ed na starosti jak hotovost, tak i r\u016fzn\u00e9 ceniny, zbo\u017e\u00ed \u010di materi\u00e1l. U\u017e jsme nast\u00ednili, \u017ee aby tento re\u017eim platil, mus\u00edte m\u00edt podepsanou <strong>p\u00edsemnou dohodu o odpov\u011bdnosti <\/strong>za sv\u011b\u0159en\u00e9 hodnoty (\u201cdohodu o hmotn\u00e9 odpov\u011bdnosti\u201c).<\/p>\n\n\n\n<p>Zavin\u011bn\u00ed zam\u011bstnance se zde <strong>p\u0159edpokl\u00e1d\u00e1<\/strong> a zam\u011bstnavatel nemus\u00ed nic dokazovat \u2013 pro vznik povinnosti n\u00e1hrady \u0161kody zde sta\u010d\u00ed platn\u00e1 dohoda a manko. Je naopak na v\u00e1s jako zam\u011bstnanci, abyste prok\u00e1zali, \u017ee jste schodek nezp\u016fsobili. Pokud ov\u0161em padne vina na v\u00e1s, hrad\u00edte \u0161kodu <strong>v pln\u00e9 v\u00fd\u0161i<\/strong> \u2013 strop 4,5n\u00e1sobku v\u00fdd\u011blku se zde neaplikuje. V t\u00e9to situaci <strong>nepom\u016f\u017ee<\/strong> ani poji\u0161t\u011bn\u00ed odpov\u011bdnosti zam\u011bstnance.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"4-ztrata-sverenych-predmetu\">4. Ztr\u00e1ta sv\u011b\u0159en\u00fdch p\u0159edm\u011bt\u016f<\/h3>\n\n\n\n<p>Od schodku je pot\u0159eba odli\u0161ovat situaci p\u0159edv\u00eddanou <a href=\"https:\/\/e-sbirka.gov.cz\/sb\/2006\/262#par_255\" target=\"_blank\" rel=\"noopener\">\u00a7 255 ZP<\/a>, kdy v\u00e1m zam\u011bstnavatel sv\u011b\u0159\u00ed konkr\u00e9tn\u00ed v\u011bc, kterou <strong>ztrat\u00edte <\/strong>\u2013 t\u0159eba n\u00e1\u0159ad\u00ed, ochrann\u00e9 pom\u016fcky nebo notebook. U p\u0159edm\u011bt\u016f v hodnot\u011b do 50 000 K\u010d sta\u010d\u00ed <strong>p\u00edsemn\u00e9 potvrzen\u00ed o p\u0159evzet\u00ed<\/strong>, nad tuto \u010d\u00e1stku u\u017e je pot\u0159eba samostatn\u00e1 p\u00edsemn\u00e1 dohoda. I tady se zavin\u011bn\u00ed p\u0159edpokl\u00e1d\u00e1 a \u0161koda se nahrazuje v <strong>pln\u00e9 v\u00fd\u0161i<\/strong>, pokud neprok\u00e1\u017eete, \u017ee jste ztr\u00e1tu nezavinili. V tomto p\u0159\u00edpad\u011b se ov\u0161em m\u016f\u017eete zase <strong>pln\u011b spolehnout<\/strong> na sv\u00e9<strong> <\/strong><a href=\"https:\/\/www.rixo.cz\/pojisteni-odpovednosti-zamestnance\/\"><strong>poji\u0161t\u011bn\u00ed odpov\u011bdnosti zam\u011bstnance<\/strong><\/a>.&nbsp;<\/p>\n\n\n\n<p>Pozor, tento re\u017eim se t\u00fdk\u00e1 v\u00fdhradn\u011b <strong>ztr\u00e1ty<\/strong> v\u011bci. Pokud sv\u011b\u0159en\u00fd notebook nebo n\u00e1\u0159ad\u00ed jen po\u0161kod\u00edte nebo zni\u010d\u00edte, n\u00e1hrada \u0161kody se \u0159\u00edd\u00ed pravidly obecn\u00e9 odpov\u011bdnosti. Tam u\u017e mus\u00ed zavin\u011bn\u00ed prokazovat zam\u011bstnavatel, ne vy.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-se-pocita-prumerny-vydelek\">Jak se po\u010d\u00edt\u00e1 pr\u016fm\u011brn\u00fd v\u00fdd\u011blek?<\/h2>\n\n\n\n<p>A\u0165 mluv\u00edme o 4,5n\u00e1sobku, nebo o trojn\u00e1sobku, oba limity se pro \u00fa\u010dely n\u00e1hrady \u0161kody po\u010d\u00edtaj\u00ed z va\u0161eho <strong>skute\u010dn\u00e9ho pr\u016fm\u011brn\u00e9ho hrub\u00e9ho m\u011bs\u00ed\u010dn\u00edho v\u00fdd\u011blku<\/strong> za rozhodn\u00e9 obdob\u00ed p\u0159edch\u00e1zej\u00edc\u00ed poru\u0161en\u00ed povinnosti, kter\u00fdm jste \u0161kodu zp\u016fsobili. Rozhodn\u00fdm obdob\u00edm je p\u0159edch\u00e1zej\u00edc\u00ed \u010dtvrtlet\u00ed. V\u00fdsledn\u00e1 \u010d\u00e1stka se tedy nemus\u00ed shodovat s va\u0161\u00ed \u201cpap\u00edrovou\u201d smluvn\u00ed mzdou, pokud m\u00e1te sjednanou nap\u0159\u00edklad bonusovou slo\u017eku mzdy.&nbsp;<\/p>\n\n\n\n<p>Pro p\u0159edstavu: pokud je v\u00e1\u0161 pr\u016fm\u011brn\u00fd hrub\u00fd m\u011bs\u00ed\u010dn\u00ed v\u00fdd\u011blek 42 000 K\u010d, maxim\u00e1ln\u00ed n\u00e1hrada u obecn\u00e9 odpov\u011bdnosti z nedbalosti \u010din\u00ed 189 000 K\u010d (4,5 \u00d7 42 000 K\u010d), u nespln\u011bn\u00ed povinnosti odvr\u00e1tit \u0161kodu pak 126 000 K\u010d (3 \u00d7 42 000 K\u010d). U schodku na sv\u011b\u0159en\u00fdch hodnot\u00e1ch, ztr\u00e1ty sv\u011b\u0159en\u00fdch p\u0159edm\u011bt\u016f nebo \u00famysln\u00e9 \u0161kody se ale \u017e\u00e1dn\u00fd podobn\u00fd v\u00fdpo\u010det neuplatn\u00ed \u2013 hrad\u00edte skute\u010dnou v\u00fd\u0161i \u0161kody bez ohledu na to, kolik vyd\u011bl\u00e1v\u00e1te.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-zamestnavatel-skodu-vymaha\">Jak zam\u011bstnavatel \u0161kodu vym\u00e1h\u00e1?<\/h2>\n\n\n\n<p>Ne\u017e po v\u00e1s bude zam\u011bstnavatel cokoliv cht\u00edt, mus\u00ed s v\u00e1mi v\u00fd\u0161i n\u00e1hrady projednat a zpravidla ji s v\u00e1mi <a href=\"https:\/\/e-sbirka.gov.cz\/sb\/2006\/262#par_263\" target=\"_blank\" rel=\"noopener\">p\u00edsemn\u011b dohodnout<\/a>, a to nejpozd\u011bji do jednoho m\u011bs\u00edce od zji\u0161t\u011bn\u00ed, \u017ee \u0161koda vznikla a \u017ee za ni odpov\u00edd\u00e1te. Ze mzdy v\u00e1m p\u0159itom zam\u011bstnavatel nesm\u00ed nic strh\u00e1vat jednostrann\u011b a mus\u00ed s v\u00e1mi v tomto p\u0159\u00edpad\u011b podepsat <strong>dohodu o sr\u00e1\u017ek\u00e1ch ze mzdy<\/strong>.&nbsp;<\/p>\n\n\n\n<p>Ne\u017e dohodu podep\u00ed\u0161ete, ov\u011b\u0159te si, \u017ee je \u0161koda vy\u010d\u00edslena spr\u00e1vn\u011b a skute\u010dn\u011b jste za ni odpov\u011bdn\u00ed. V praxi se toti\u017e tak\u00e9 st\u00e1v\u00e1, \u017ee za \u0161kodu je \u010d\u00e1ste\u010dn\u011b odpov\u011bdn\u00fd i zam\u011bstnavatel \u2013 nap\u0159\u00edklad zanedbanou \u00fadr\u017ebou stroje, chyb\u011bj\u00edc\u00edm pro\u0161kolen\u00edm nebo nedostate\u010dn\u00fdm zabezpe\u010den\u00edm skladu. N\u00e1hrada \u0161kody se pak odpov\u00eddaj\u00edc\u00edm zp\u016fsobem sni\u017euje.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"563\" src=\"https:\/\/www.rixo.cz\/blog\/wp-content\/themes\/breek\/assets\/images\/transparent.gif\" data-lazy=\"true\" data-src=\"https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/07\/young-man-working-warehouse-with-boxes-1-1-1-edited.jpg\" alt=\"odpov\u011bdnost zam\u011bstnance\" class=\"wp-image-4334\" data-srcset=\"https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/07\/young-man-working-warehouse-with-boxes-1-1-1-edited.jpg 1000w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/07\/young-man-working-warehouse-with-boxes-1-1-1-edited-300x169.jpg 300w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/07\/young-man-working-warehouse-with-boxes-1-1-1-edited-768x432.jpg 768w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/07\/young-man-working-warehouse-with-boxes-1-1-1-edited-100x56.jpg 100w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/07\/young-man-working-warehouse-with-boxes-1-1-1-edited-700x394.jpg 700w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-se-chranit-pojistenim\">Jak se chr\u00e1nit poji\u0161t\u011bn\u00edm?&nbsp;<\/h2>\n\n\n\n<p>V tak\u0159ka jak\u00e9mkoli zam\u011bstn\u00e1n\u00ed m\u016f\u017ee doj\u00edt ke \u0161kod\u00e1m v \u0159\u00e1du statis\u00edc\u016f korun. Zam\u011bstnavatel po v\u00e1s m\u016f\u017ee po\u017eadovat ve v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f \u201cjen\u201d 4,5n\u00e1sobek pr\u016fm\u011brn\u00e9ho v\u00fdd\u011blku, kter\u00fd ale pro v\u011bt\u0161inu lid\u00ed p\u0159edstavuje citelnou \u010d\u00e1stku. Tu ale nemus\u00edte platit z vlastn\u00ed kapsy, pokud m\u00e1te sjednan\u00e9 <strong>poji\u0161t\u011bn\u00ed odpov\u011bdnosti zam\u011bstnance<\/strong>, n\u011bkdy tak\u00e9 p\u0159ezd\u00edvan\u00e9 jako \u201czamzamka\u201d. Klasick\u00e1 pojistka na blbost, tedy <a href=\"https:\/\/www.rixo.cz\/pojisteni-odpovednosti\/\"><strong>poji\u0161t\u011bn\u00ed ob\u010dansk\u00e9 odpov\u011bdnosti<\/strong><\/a>, v\u00e1m s t\u011bmito \u0161kodami <strong>nepom\u016f\u017ee<\/strong>.&nbsp;<\/p>\n\n\n\n<p>Aby v\u00e1s poji\u0161t\u011bn\u00ed dob\u0159e ochr\u00e1nilo, je pot\u0159eba d\u00e1t pozor na spr\u00e1vnou volbu <strong>limitu pln\u011bn\u00ed<\/strong>, tedy skute\u010dn\u011b pokr\u00fdt onen 4,5n\u00e1sobek sv\u00e9ho v\u00fdd\u011blku a zvolit i vhodn\u00fd <strong>rozsah ochrany<\/strong> podle povahy va\u0161eho zam\u011bstn\u00e1n\u00ed, a to zejm\u00e9na s ohledem na<strong> \u0159\u00edzen\u00ed vozidel<\/strong>. <a href=\"https:\/\/www.rixo.cz\/blog\/pojisteni-odpovednosti-pro-ridice-z-povolani\/\">Poji\u0161t\u011bn\u00ed odpov\u011bdnosti pro \u0159idi\u010de z povol\u00e1n\u00ed<\/a> nebo varianta poji\u0161t\u011bn\u00ed pro p\u0159\u00edle\u017eitostn\u00e9 \u0159idi\u010de m\u00e1 toti\u017e roz\u0161\u00ed\u0159en\u00e9 kryt\u00ed i pro p\u0159\u00edpad, \u017ee zp\u016fsob\u00edte \u0161kodu na vozidle. Pozornost v\u011bnujte i sjedn\u00e1van\u00e9 <strong>spolu\u00fa\u010dasti<\/strong> &#8211; zpravidla se toto poji\u0161t\u011bn\u00ed sjedn\u00e1v\u00e1 s 10% spolu\u00fa\u010dast\u00ed, n\u011bkter\u00e9 nab\u00eddky na trhu ale mohou pod l\u00e1kavou cenou skr\u00fdvat vysokou 30% spolu\u00fa\u010dast.<\/p>\n\n\n\n<p>Je\u0161t\u011b svou pojistku pro p\u0159\u00edpad zp\u016fsoben\u00ed \u0161kody zam\u011bstnavateli nem\u00e1te? Ne\u010dekejte, a\u017e budete m\u00edt v pr\u00e1ci \u201cden blbec\u201d, rovnou si srovnejte nab\u00eddky poji\u0161t\u011bn\u00ed odpov\u011bdnosti zam\u011bstnance online a zajist\u011bte si kvalitn\u00ed ochranu za nejv\u00fdhodn\u011bj\u0161\u00ed cenu!&nbsp;<\/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=\"350\" width=\"400\" frameborder=\"0\" data-lazy=\"true\" data-src=\"https:\/\/www.rixo.cz\/forms\/liability-insurance-form\/\"><\/iframe>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Polili jste firemn\u00ed notebook, nabourali jste dod\u00e1vku, nesed\u00ed v\u00e1m inventura v pokladn\u011b. Ve chv\u00edli, kdy v pr\u00e1ci zp\u016fsob\u00edte n\u011bjakou \u0161kodu, v\u00e1s rozhodn\u011b bude zaj\u00edmat, jakou n\u00e1hradu \u0161kody po v\u00e1s zam\u011bstnavatel m\u016f\u017ee po\u017eadovat. Jak \u0161irok\u00e1 je odpov\u011bdnost zam\u011bstnance?<\/p>\n","protected":false},"author":11,"featured_media":4332,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"rank_math_lock_modified_date":false,"footnotes":""},"categories":[7,48],"tags":[45],"acf":[],"_links":{"self":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/4329"}],"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\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/comments?post=4329"}],"version-history":[{"count":4,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/4329\/revisions"}],"predecessor-version":[{"id":4349,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/4329\/revisions\/4349"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media\/4332"}],"wp:attachment":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media?parent=4329"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/categories?post=4329"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/tags?post=4329"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}