{"id":4466,"date":"2026-08-14T09:47:24","date_gmt":"2026-08-14T07:47:24","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=4466"},"modified":"2026-08-14T09:58:21","modified_gmt":"2026-08-14T07:58:21","slug":"pojisteni-odpovednosti-zamestnance-vyluky","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/pojisteni-odpovednosti-zamestnance-vyluky\/","title":{"rendered":"Co poji\u0161t\u011bn\u00ed odpov\u011bdnosti zam\u011bstnance nezaplat\u00ed: Nej\u010dast\u011bj\u0161\u00ed v\u00fdluky"},"content":{"rendered":"\n<p>Poji\u0161t\u011bn\u00ed odpov\u011bdnosti zam\u011bstnance v\u00e1s chr\u00e1n\u00ed p\u0159ed placen\u00edm \u0161kod, kter\u00e9 jste zp\u016fsobili zam\u011bstnavateli. Jen\u017ee ne ka\u017ed\u00e1 \u0161koda, kterou v zam\u011bstn\u00e1n\u00ed zp\u016fsob\u00edte, je automaticky pojistnou ud\u00e1lost\u00ed. Na jak\u00e9 v\u00fdluky si d\u00e1t pozor?<\/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=\"#k-cemu-slouzi-pojisteni-odpovednosti-zamestnance\">K \u010demu slou\u017e\u00ed poji\u0161t\u011bn\u00ed odpov\u011bdnosti zam\u011bstnance?<\/a><\/li><li class=\"\"><a href=\"#jake-jsou-vyluky-v-pojisteni-odpovednosti-zamestnance\">Jak\u00e9 jsou v\u00fdluky v poji\u0161t\u011bn\u00ed odpov\u011bdnosti zam\u011bstnance?<\/a><ul><li class=\"\"><a href=\"#1-umyslna-skoda-a-hrube-poruseni-povinnosti\">1. \u00damysln\u00e1 \u0161koda a hrub\u00e9 poru\u0161en\u00ed povinnost\u00ed<\/a><\/li><li class=\"\"><a href=\"#2-alkohol-a-jine-navykove-latky\">2. Alkohol a jin\u00e9 n\u00e1vykov\u00e9 l\u00e1tky<\/a><\/li><li class=\"\"><a href=\"#3-schodek-na-sverenych-hodnotach-manko\">3. Schodek na sv\u011b\u0159en\u00fdch hodnot\u00e1ch (manko)<\/a><\/li><li class=\"\"><a href=\"#4-nekvalitni-prace-zmetky-a-skody-pri-montazi-ci-oprave\">4. Nekvalitn\u00ed pr\u00e1ce, zmetky a \u0161kody p\u0159i mont\u00e1\u017ei \u010di oprav\u011b<\/a><\/li><li class=\"\"><a href=\"#5-skoda-mimo-pracovni-pomer-a-dohody\">5. \u0160koda mimo pracovn\u00ed pom\u011br a \u201cdohody\u201d<\/a><\/li><li class=\"\"><a href=\"#6-skoda-pribuznemu-v-rodinne-firme\">6. \u0160koda p\u0159\u00edbuzn\u00e9mu v rodinn\u00e9 firm\u011b<\/a><\/li><li class=\"\"><a href=\"#7-skoda-nesouvisejici-s-pracovni-cinnosti\">7. \u0160koda nesouvisej\u00edc\u00ed s pracovn\u00ed \u010dinnost\u00ed<\/a><\/li><li class=\"\"><a href=\"#8-skoda-pri-rizeni-vozidla-bez-pripojisteni\">8. \u0160koda p\u0159i \u0159\u00edzen\u00ed vozidla bez p\u0159ipoji\u0161t\u011bn\u00ed<\/a><\/li><li class=\"\"><a href=\"#9-pokuta\">9. Pokuta<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#jak-vybrat-pojisteni-odpovednosti-zamestnance\">Jak vybrat poji\u0161t\u011bn\u00ed odpov\u011bdnosti zam\u011bstnance?<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"k-cemu-slouzi-pojisteni-odpovednosti-zamestnance\">K \u010demu slou\u017e\u00ed poji\u0161t\u011bn\u00ed odpov\u011bdnosti zam\u011bstnance?<\/h2>\n\n\n\n<p>Poji\u0161t\u011bn\u00ed odpov\u011bdnosti zam\u011bstnance za \u0161kodu zp\u016fsobenou zam\u011bstnavateli, p\u0159ezd\u00edvan\u00e9 tak\u00e9 jako \u201ezam-zam\u201c, chr\u00e1n\u00ed zam\u011bstnance p\u0159ed finan\u010dn\u00edmi dopady \u0161kod, kter\u00e9 p\u0159i v\u00fdkonu pr\u00e1ce zp\u016fsob\u00ed. Zam\u011bstnavatel toti\u017e m\u016f\u017ee po zam\u011bstnanci, kter\u00fd poru\u0161il sv\u00e9 pracovn\u00ed povinnosti a z nedbalosti mu zp\u016fsobil \u0161kodu, po\u017eadovat n\u00e1hradu a\u017e do v\u00fd\u0161e <strong>4,5n\u00e1sobku pr\u016fm\u011brn\u00e9ho m\u011bs\u00ed\u010dn\u00edho v\u00fdd\u011blku<\/strong>. A pr\u00e1v\u011b tuto \u010d\u00e1stku m\u00e1 poji\u0161t\u011bn\u00ed pokr\u00fdt. Jednotliv\u00fdm druh\u016fm odpov\u011bdnosti a v\u00fd\u0161\u00edm n\u00e1hrady \u0161kody jsme se podrobn\u011b v\u011bnovali v \u010dl\u00e1nku<a href=\"https:\/\/www.rixo.cz\/blog\/odpovednost-zamestnance-za-co-odpovidate\/\"> Odpov\u011bdnost zam\u011bstnance za \u0161kodu p\u0159ehledn\u011b<\/a>.<\/p>\n\n\n\n<p>Toto poji\u0161t\u011bn\u00ed samoz\u0159ejm\u011b nelze zam\u011b\u0148ovat s<a href=\"https:\/\/www.rixo.cz\/pojisteni-odpovednosti\/\"> poji\u0161t\u011bn\u00edm ob\u010dansk\u00e9 odpov\u011bdnosti<\/a>. Klasick\u00e1 \u201epojistka na blbost\u201c \u0159e\u0161\u00ed \u0161kody zp\u016fsoben\u00e9 t\u0159et\u00edm osob\u00e1m v ob\u010dansk\u00e9m \u017eivot\u011b, poji\u0161t\u011bn\u00ed zam-zam naopak \u0161kody zp\u016fsoben\u00e9 va\u0161emu zam\u011bstnavateli. Poji\u0161t\u011bn\u00ed se ale net\u00fdk\u00e1 jak\u00e9koli \u0161kody, kterou v pr\u00e1ci zp\u016fsob\u00edte. Kryje v\u00fdhradn\u011b odpov\u011bdnost podle z\u00e1kon\u00edku pr\u00e1ce (nebo obdobn\u00e9ho p\u0159edpisu, nap\u0159\u00edklad u st\u00e1tn\u00edch zam\u011bstnanc\u016f), a to p\u0159i pln\u011bn\u00ed pracovn\u00edch \u00fakol\u016f nebo v p\u0159\u00edm\u00e9 souvislosti s nimi.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jake-jsou-vyluky-v-pojisteni-odpovednosti-zamestnance\">Jak\u00e9 jsou v\u00fdluky v poji\u0161t\u011bn\u00ed odpov\u011bdnosti zam\u011bstnance?<\/h2>\n\n\n\n<p>I kdy\u017e poji\u0161t\u011bn\u00ed poskytuje \u0161irokou ochranu, nezaplat\u00ed za v\u00e1s v\u0161echno. Pod\u00edvejte se, jak\u00e9 nej\u010dast\u011bj\u0161\u00ed situace jsou z poji\u0161t\u011bn\u00ed <a href=\"https:\/\/www.rixo.cz\/slovnik\/vyluky-z-pojisteni\/\" data-type=\"link\" data-id=\"https:\/\/www.rixo.cz\/slovnik\/vyluky-z-pojisteni\/\">vylou\u010den\u00e9<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"1-umyslna-skoda-a-hrube-poruseni-povinnosti\">1. \u00damysln\u00e1 \u0161koda a hrub\u00e9 poru\u0161en\u00ed povinnost\u00ed<\/h3>\n\n\n\n<p>Poji\u0161t\u011bn\u00ed kryje v\u00fdhradn\u011b \u0161kody zp\u016fsoben\u00e9 <strong>z nedbalosti<\/strong>: nap\u0159\u00edklad chybou, nepozornost\u00ed nebo omylem. Jakmile se prok\u00e1\u017ee, \u017ee jste \u0161kodu zp\u016fsobili \u00famysln\u011b, p\u0159est\u00e1v\u00e1 platit i z\u00e1konn\u00fd strop 4,5n\u00e1sobku v\u00fdd\u011blku a po zam\u011bstnanci lze vym\u00e1hat <strong>celou \u0161kodu bez omezen\u00ed<\/strong>. Poji\u0161\u0165ovna v takov\u00e9m p\u0159\u00edpad\u011b nepln\u00ed v\u016fbec, bez ohledu na to, jak vysok\u00fd limit pln\u011bn\u00ed m\u00e1te sjednan\u00fd. Stejn\u011b se posuzuje i hrub\u00e9 poru\u0161en\u00ed bezpe\u010dnostn\u00edch p\u0159edpis\u016f nebo v\u011bdom\u00e9 nedodr\u017een\u00ed pracovn\u00edho postupu, pokud m\u00e1 p\u0159\u00edmou souvislost se vznikem \u0161kody.&nbsp;&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"2-alkohol-a-jine-navykove-latky\">2. Alkohol a jin\u00e9 n\u00e1vykov\u00e9 l\u00e1tky<\/h3>\n\n\n\n<p>\u0160koda zp\u016fsoben\u00e1 po po\u017eit\u00ed alkoholu nebo pod vlivem omamn\u00fdch \u010di psychotropn\u00edch l\u00e1tek je vylou\u010dena u v\u0161ech poji\u0161\u0165oven na trhu, a nejen v r\u00e1mci poji\u0161t\u011bn\u00ed odpov\u011bdnosti zam\u011bstnance. Stejn\u011b jako u \u00famysln\u00e9ho jedn\u00e1n\u00ed zde <strong>neplat\u00ed ani limit 4,5n\u00e1sobku v\u00fdd\u011blku<\/strong>. Zam\u011bstnavatel m\u016f\u017ee po\u017eadovat n\u00e1hradu \u0161kody v pln\u00e9 v\u00fd\u0161i a poji\u0161t\u011bn\u00ed v\u00e1m v takov\u00e9m p\u0159\u00edpad\u011b nepom\u016f\u017ee v\u016fbec, a\u0165 u\u017e jste byli za volantem, u pokladny, u v\u00fdrobn\u00ed linky nebo ve skladu.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"3-schodek-na-sverenych-hodnotach-manko\">3. Schodek na sv\u011b\u0159en\u00fdch hodnot\u00e1ch (manko)<\/h3>\n\n\n\n<p>Pokud m\u00e1te podepsanou<strong> dohodu o hmotn\u00e9 odpov\u011bdnosti <\/strong>a pracujete s hotovost\u00ed, ceninami nebo zbo\u017e\u00edm, vztahuje se na v\u00e1s jin\u00fd re\u017eim odpov\u011bdnosti &#8211; zavin\u011bn\u00ed se toti\u017e u manka ze z\u00e1kona p\u0159edpokl\u00e1d\u00e1 a \u0161koda se hrad\u00ed v pln\u00e9 v\u00fd\u0161i bez ohledu na v\u00fdd\u011blek. Bohu\u017eel, ani poji\u0161t\u011bn\u00ed odpov\u011bdnosti zam\u011bstnance v t\u00e9to situaci nepom\u016f\u017ee.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"4-nekvalitni-prace-zmetky-a-skody-pri-montazi-ci-oprave\">4. Nekvalitn\u00ed pr\u00e1ce, zmetky a \u0161kody p\u0159i mont\u00e1\u017ei \u010di oprav\u011b<\/h3>\n\n\n\n<p>Poji\u0161t\u011bn\u00ed nekryje \u0161kodu zp\u016fsobenou vadnou manu\u00e1ln\u00ed prac\u00ed p\u0159i mont\u00e1\u017e\u00edch, oprav\u00e1ch, \u00faprav\u00e1ch nebo stavebn\u00edch prac\u00edch, ani v\u00fdrobu zmetku, <strong>pokud \u0161koda vznikla pouze zam\u011bstnavateli <\/strong>(nap\u0159. na materi\u00e1lu), nikoli z\u00e1kazn\u00edkovi nebo klientovi. Podobn\u011b se posuzuje i \u0161patn\u00e9 zad\u00e1n\u00ed do v\u00fdroby \u010di chybn\u00e1 kalkulace n\u00e1klad\u016f.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"5-skoda-mimo-pracovni-pomer-a-dohody\">5. \u0160koda mimo pracovn\u00ed pom\u011br a \u201cdohody\u201d<\/h3>\n\n\n\n<p>Poji\u0161t\u011bn\u00ed se vztahuje jen na \u0161kodu zp\u016fsobenou v r\u00e1mci skute\u010dn\u00e9ho pracovn\u011bpr\u00e1vn\u00edho vztahu podle z\u00e1kon\u00edku pr\u00e1ce. To znamen\u00e1, \u017ee pokud pracujete na<strong> hlavn\u00ed \u010di vedlej\u0161\u00ed pracovn\u00ed pom\u011br<\/strong>, poji\u0161t\u011bn\u00ed vyu\u017eijete. U<strong> v\u011bt\u0161iny<\/strong> (nikoli ale v\u0161ech) poji\u0161\u0165oven je b\u011b\u017en\u011b kryta i <strong>dohoda o proveden\u00ed pr\u00e1ce <\/strong>(DPP) a <strong>dohoda o pracovn\u00ed \u010dinnosti<\/strong> (DP\u010c). Pr\u00e1ci vykon\u00e1vanou na fakturu (OSV\u010c), na z\u00e1klad\u011b smlouvy o d\u00edlo nebo jin\u00fdch smluv toto poji\u0161t\u011bn\u00ed nikdy <strong>nekryje<\/strong>. Podnikatel\u00e9 mohou pro p\u0159\u00edpad \u0161kod zp\u016fsoben\u00fdch sv\u00fdm klient\u016fm vyu\u017e\u00edt poji\u0161t\u011bn\u00ed profesn\u00ed odpov\u011bdnosti.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"6-skoda-pribuznemu-v-rodinne-firme\">6. \u0160koda p\u0159\u00edbuzn\u00e9mu v rodinn\u00e9 firm\u011b<\/h3>\n\n\n\n<p>M\u00e9n\u011b zn\u00e1mou, ale b\u011b\u017enou v\u00fdlukou je \u0161koda zp\u016fsoben\u00e1 va\u0161emu sourozenci, p\u0159\u00edbuzn\u00e9mu v p\u0159\u00edm\u00e9 linii nebo osob\u011b, se kterou \u017eijete ve spole\u010dn\u00e9 dom\u00e1cnosti, pokud je <strong>z\u00e1rove\u0148 va\u0161\u00edm zam\u011bstnavatelem<\/strong>. Stejn\u011b tak poji\u0161\u0165ovny vylu\u010duj\u00ed \u0161kodu zp\u016fsobenou pr\u00e1vnick\u00e9 osob\u011b (obchodn\u00ed spole\u010dnosti), ve kter\u00e9 m\u00e1te v\u011bt\u0161inovou majetkovou \u00fa\u010dast (50 % a vy\u0161\u0161\u00ed). Tato v\u00fdluka m\u00e1 zabr\u00e1nit \u00fa\u010delov\u00e9mu \u010derp\u00e1n\u00ed <a href=\"https:\/\/www.rixo.cz\/slovnik\/pojistne-plneni\/\">pojistn\u00e9ho pln\u011bn\u00ed<\/a> mezi propojen\u00fdmi osobami.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"7-skoda-nesouvisejici-s-pracovni-cinnosti\">7. \u0160koda nesouvisej\u00edc\u00ed s pracovn\u00ed \u010dinnost\u00ed<\/h3>\n\n\n\n<p>Slu\u017eebn\u00ed mobil nebo notebook mnoz\u00ed pou\u017e\u00edvaj\u00ed i doma &#8211; ostatn\u011b i sami zam\u011bstnavatel\u00e9 nab\u00edzej\u00ed zam\u011bstnanc\u016fm firemn\u00ed elektroniku pro soukrom\u00e9 \u00fa\u010dely jako benefit. Ve chv\u00edli, kdy ale zp\u016fsob\u00edte \u0161kodu <strong>mimo pln\u011bn\u00ed pracovn\u00edch \u00fakol\u016f<\/strong> nebo bez p\u0159\u00edm\u00e9 souvislosti s nimi, poji\u0161\u0165ovna v\u00e1m z\u00e1da kr\u00fdt nemus\u00ed. Nejde ale jen o po\u0161kozen\u00ed sv\u011b\u0159en\u00fdch v\u011bc\u00ed. T\u0159eba kdy\u017e po pr\u00e1ci z\u016fstanete s kolegy v kancel\u00e1\u0159i o n\u011bco d\u00e9le a p\u0159i fotb\u00e1lku v odpo\u010dinkov\u00e9 z\u00f3n\u011b rozbijete v z\u00e1palu hry firemn\u00ed televizi, poji\u0161t\u011bn\u00ed v\u00e1s nezachr\u00e1n\u00ed.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"8-skoda-pri-rizeni-vozidla-bez-pripojisteni\">8. \u0160koda p\u0159i \u0159\u00edzen\u00ed vozidla bez p\u0159ipoji\u0161t\u011bn\u00ed<\/h3>\n\n\n\n<p>Pokud v pr\u00e1ci \u0159\u00edd\u00edte firemn\u00ed auto, vysokozdvi\u017en\u00fd voz\u00edk nebo jin\u00fd pracovn\u00ed stroj, v <strong>z\u00e1kladn\u00ed variant\u011b poji\u0161t\u011bn\u00ed <\/strong>b\u00fdv\u00e1 \u0161koda zp\u016fsoben\u00e1 jeho \u0159\u00edzen\u00edm vylou\u010den\u00e1. Kryje ji v\u011bt\u0161inou a\u017e dopl\u0148kov\u00e1 varianta pro <strong>\u0159idi\u010de<\/strong>, nebo samostatn\u00e1 varianta p\u0159\u00edmo pro <a href=\"https:\/\/www.rixo.cz\/blog\/pojisteni-odpovednosti-pro-ridice-z-povolani\/\">\u0159idi\u010de z povol\u00e1n\u00ed<\/a>, pokud \u0159\u00edzen\u00ed tvo\u0159\u00ed podstatnou \u010d\u00e1st va\u0161\u00ed pracovn\u00ed n\u00e1pln\u011b. Pokud p\u0159i sjedn\u00e1n\u00ed poji\u0161t\u011bn\u00ed uvedete, \u017ee v\u016fbec v r\u00e1mci zam\u011bstn\u00e1n\u00ed ne\u0159\u00edd\u00edte, poji\u0161\u0165ovna v\u00e1m p\u0159ipoji\u0161t\u011bn\u00ed do smlouvy nezahrne a n\u00e1sledn\u011b tedy n\u00e1hradu \u0161kody na slu\u017eebn\u00edm voze neproplat\u00ed, i kdyby \u0161lo o ban\u00e1ln\u00ed \u0161kr\u00e1bnut\u00ed.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"9-pokuta\">9. Pokuta<\/h3>\n\n\n\n<p>Poji\u0161t\u011bn\u00ed nekryje ani <strong>pokuty, pen\u00e1le ani jin\u00e9 finan\u010dn\u00ed sankce<\/strong> ulo\u017een\u00e9 zam\u011bstnavateli nebo zam\u011bstnanci. Kdy\u017e tedy nap\u0159\u00edklad va\u0161emu zam\u011bstnavateli p\u0159ijde pokuta za va\u0161e \u0161patn\u00e9 parkov\u00e1n\u00ed slu\u017eebn\u00edho vozidla, poji\u0161t\u011bn\u00ed se zde neuplatn\u00ed.&nbsp;<\/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\/08\/broken-tablet-with-cracked-screen-broken-glass-1-1-edited.jpg\" alt=\"poji\u0161t\u011bn\u00ed odpov\u011bdnosti zam\u011bstnance v\u00fdluky\" class=\"wp-image-4470\" data-srcset=\"https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/08\/broken-tablet-with-cracked-screen-broken-glass-1-1-edited.jpg 1000w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/08\/broken-tablet-with-cracked-screen-broken-glass-1-1-edited-300x169.jpg 300w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/08\/broken-tablet-with-cracked-screen-broken-glass-1-1-edited-768x432.jpg 768w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/08\/broken-tablet-with-cracked-screen-broken-glass-1-1-edited-100x56.jpg 100w, https:\/\/www.rixo.cz\/blog\/wp-content\/uploads\/2026\/08\/broken-tablet-with-cracked-screen-broken-glass-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-vybrat-pojisteni-odpovednosti-zamestnance\">Jak vybrat poji\u0161t\u011bn\u00ed odpov\u011bdnosti zam\u011bstnance?<\/h2>\n\n\n\n<p>P\u0159i v\u00fdb\u011bru poji\u0161t\u011bn\u00ed odpov\u011bdnosti zam\u011bstnance myslete hlavn\u011b na t\u0159i v\u011bci:&nbsp;<\/p>\n\n\n\n<ul>\n<li><strong>limit pojistn\u00e9ho pln\u011bn\u00ed <\/strong>by m\u011bl pokr\u00fdt alespo\u0148 4,5n\u00e1sobek va\u0161eho pr\u016fm\u011brn\u00e9ho hrub\u00e9ho v\u00fdd\u011blku,&nbsp;<\/li>\n\n\n\n<li><strong>nastaven\u00ed spolu\u00fa\u010dasti<\/strong>, p\u0159i\u010dem\u017e standardn\u011b se sjedn\u00e1v\u00e1 10% spolu\u00fa\u010dast, pozor na nab\u00eddky s v\u00fdrazn\u011b ni\u017e\u0161\u00ed cenou, kter\u00e9 mohou pod l\u00e1kavou cenou skr\u00fdvat vy\u0161\u0161\u00ed spolu\u00fa\u010dast,<\/li>\n\n\n\n<li><strong>rozsah kryt\u00ed <\/strong>by m\u011bl odpov\u00eddat va\u0161\u00ed konkr\u00e9tn\u00ed pracovn\u00ed n\u00e1plni, zejm\u00e9na se zam\u011b\u0159te na v\u00fdb\u011br spr\u00e1vn\u00e9 varianty s ohledem na \u0159\u00edzen\u00ed vozidel.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>Je\u0161t\u011b poji\u0161t\u011bn\u00ed odpov\u011bdnosti zam\u011bstnance nem\u00e1te, nebo si nejste jist\u00ed, \u017ee v\u00e1s st\u00e1vaj\u00edc\u00ed poji\u0161t\u011bn\u00ed chr\u00e1n\u00ed tak, jak by m\u011blo? Srovnejte si nab\u00eddky poji\u0161t\u011bn\u00ed odpov\u011bdnosti zam\u011bstnance online a vyberte si tu, jej\u00ed\u017e v\u00fdluky v\u00e1s nezasko\u010d\u00ed zrovna ve chv\u00edli, kdy budete poji\u0161t\u011bn\u00ed nejv\u00edc pot\u0159ebovat. Sta\u010d\u00ed v\u00e1m na to dv\u011b minuty!<\/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>Poji\u0161t\u011bn\u00ed odpov\u011bdnosti zam\u011bstnance v\u00e1s chr\u00e1n\u00ed p\u0159ed placen\u00edm \u0161kod, kter\u00e9 jste zp\u016fsobili zam\u011bstnavateli. Jen\u017ee ne ka\u017ed\u00e1 \u0161koda, kterou v zam\u011bstn\u00e1n\u00ed zp\u016fsob\u00edte, je automaticky pojistnou ud\u00e1lost\u00ed. Na jak\u00e9 v\u00fdluky si d\u00e1t pozor?<\/p>\n","protected":false},"author":11,"featured_media":4468,"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\/4466"}],"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=4466"}],"version-history":[{"count":4,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/4466\/revisions"}],"predecessor-version":[{"id":4491,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/4466\/revisions\/4491"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media\/4468"}],"wp:attachment":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media?parent=4466"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/categories?post=4466"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/tags?post=4466"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}