[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.oscon.cz\/myslete-na-svoje-penize\/#Article","mainEntityOfPage":"https:\/\/www.oscon.cz\/myslete-na-svoje-penize\/","headline":"Myslete na svoje pen\u00edze!","name":"Myslete na svoje pen\u00edze!","description":"Pokud ani vy jste do t\u00e9to chv\u00edle nemysleli na to, \u017ee byste se m\u011bli chr\u00e1nit p\u0159ed n\u011bjakou nehodou v pr\u00e1ci, ur\u010dit\u011b v\u00e1s toto nyn\u00ed bude zaj\u00edmat.
 V prvn\u00ed \u0159ad\u011b si dejte pozor na rizikovost povol\u00e1n\u00ed a spolu\u00fa\u010dast. \u010c\u00edm vy\u0161\u0161\u00ed spolu\u00fa\u010dast, t\u00edm ni\u017e\u0161\u00ed pak b\u00fdv\u00e1 cena pojistn\u00e9ho. Na druhou stranu je t\u0159eba si uv\u011bdomit, \u017ee \u010d\u00edm...","datePublished":"2023-05-22","dateModified":"2023-05-22","author":{"@type":"Person","@id":"https:\/\/www.oscon.cz\/author\/#Person","name":"","url":"https:\/\/www.oscon.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/9bbe1b3bd68cf5b616cc697a459b86e3be4df6c120806baf939f8aad94b0a3d6?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/9bbe1b3bd68cf5b616cc697a459b86e3be4df6c120806baf939f8aad94b0a3d6?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"oscon.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.oscon.cz\/wp-content\/uploads\/img_a319499_w2205_t1530520789.jpg","url":"https:\/\/www.oscon.cz\/wp-content\/uploads\/img_a319499_w2205_t1530520789.jpg","height":0,"width":0},"url":"https:\/\/www.oscon.cz\/myslete-na-svoje-penize\/","wordCount":474,"articleBody":"Pokud ani vy jste do t\u00e9to chv\u00edle nemysleli na to, \u017ee byste se m\u011bli chr\u00e1nit p\u0159ed n\u011bjakou nehodou v pr\u00e1ci, ur\u010dit\u011b v\u00e1s toto nyn\u00ed bude zaj\u00edmat.
 V prvn\u00ed \u0159ad\u011b si dejte pozor na rizikovost povol\u00e1n\u00ed a spolu\u00fa\u010dast. \u010c\u00edm vy\u0161\u0161\u00ed spolu\u00fa\u010dast, t\u00edm ni\u017e\u0161\u00ed pak b\u00fdv\u00e1 cena pojistn\u00e9ho. Na druhou stranu je t\u0159eba si uv\u011bdomit, \u017ee \u010d\u00edm vy\u0161\u0161\u00ed spolu\u00fa\u010dast, t\u00edm v\u00edce v\u00e1s m\u016f\u017ee st\u00e1t tedy n\u011bjak\u00e1 ta \u0161koda dr\u00e1\u017e, respektive v\u00e1s m\u016f\u017ee st\u00e1t p\u0159\u00edmo n\u011bjak\u00e9 finance z va\u0161\u00ed kapsy, nikoli z pojistky.Stanoven\u00ed spolu\u00fa\u010dasti
 Pro stanoven\u00ed v\u00fd\u0161e spolu\u00fa\u010dasti je t\u0159eba si nejprve vy\u010d\u00edslit, jak\u00e9 \u0161kody mohou pr\u00e1v\u011b p\u0159i v\u00fdkonu va\u0161eho povol\u00e1n\u00ed vzniknout. Vezm\u011bte to od rozbit\u00e9ho porcel\u00e1nov\u00e9ho n\u00e1dob\u00ed z kancel\u00e1\u0159e, a\u017e po \u0161patn\u011b za\u00fa\u010dtovan\u00e9 transakce \u010di nap\u0159\u00edklad zni\u010den\u00e9 zbo\u017e\u00ed v obchod\u011b va\u0161\u00ed vinou.
 P\u0159\u00edpady zam\u011bstnan\u00ed, kdy se ur\u010dit\u011b pojist\u011bte
 \u00b7 \u0158idi\u010d 
 Nen\u00ed legrace, kdy\u017e zp\u016fsob\u00edte \u0161kodu zam\u011bstnavateli na aut\u011b, kter\u00e9 v\u00e1m je sv\u011b\u0159eno k pln\u011bn\u00ed pracovn\u00edch \u00fakol\u016f. Samoz\u0159ejm\u011b jsou kryty pouze \u0161kody na dan\u00e9m vozidle, ale nejsou kryty \u0161kody na vozidlech t\u0159eba p\u0159evzat\u00fdch od z\u00e1kazn\u00edka. Nap\u0159\u00edklad je kryt\u00fd tak\u00e9 n\u011bkdo, kdo pracuje jako strojv\u016fdce.
 \u00b7 Pracovn\u00edci pou\u017e\u00edvaj\u00edc\u00ed stroje
 Zam\u011bstnanec, kter\u00fd pou\u017e\u00edv\u00e1 a provozuje pracovn\u00ed stroje, m\u016f\u017ee se pojistit pr\u00e1v\u011b p\u0159ed \u0161kodou pr\u00e1v\u011b p\u0159i jeho provozu. Samoz\u0159ejm\u011b se na to nevztahuj\u00ed \u0161kody zp\u016fsoben\u00e9 p\u0159i b\u011b\u017en\u00e9m provozu, proto\u017ee to bylo m\u011blo b\u00fdt p\u0159\u00edpadn\u011b hrazeno z povinn\u00e9ho ru\u010den\u00ed.
 \u00b7 Zam\u011bstnanci, kte\u0159\u00ed maj\u00ed sv\u011b\u0159en\u00e9 v\u011bci
 Poji\u0161t\u011bn\u00ed odpov\u011bdnosti za \u0161kodu zp\u016fsobenou zam\u011bstnavateli je tak\u00e9 vhodn\u00e9 pro lidi, kte\u0159\u00ed v r\u00e1mci zam\u011bstn\u00e1n\u00ed maj\u00ed sv\u011b\u0159en\u00e9 v\u011bci pod z\u00e1kon\u00edku pr\u00e1ce. Kr\u00e1de\u017e samoz\u0159ejm\u011b nen\u00ed v poji\u0161t\u011bn\u00ed, ale ztr\u00e1ta tam pat\u0159\u00ed. Schodek na sv\u011b\u0159en\u00fdch hodnot\u00e1ch, ani loupe\u017ee pen\u011bz, cenn\u00fdch pap\u00edr\u016f \u010di jin\u00fdch cenin se sem neschovaj\u00ed. 
 Ide\u00e1ln\u00ed tedy je se zamyslet nad t\u00edm, co v pr\u00e1ci d\u011bl\u00e1te a jakou \u0161kodu m\u016f\u017eete zp\u016fsobit. Ur\u010dit\u011b si pro\u010dt\u011bte znovu smlouvu a zjist\u011bte, za co i dle smlouvy odpov\u00edd\u00e1te v zam\u011bstn\u00e1n\u00ed. Rozhodn\u011b se pora\u010fte ide\u00e1ln\u011b s finan\u010dn\u00edm poradcem, kter\u00fd v\u00e1m dle nab\u00eddky na trhu vybere ten, kter\u00fd bude pro v\u00e1s ten nejvhodn\u011bj\u0161\u00ed, a kter\u00fd ochr\u00e1n\u00ed va\u0161e finance p\u0159ed nutnost\u00ed uhradit \u0161kodu zp\u016fsobenou zam\u011bstnavateli.
                                                                                                                                                                                                                                                                                                                                                                                         4.2\/5 - (8 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Myslete na svoje pen\u00edze!","item":"https:\/\/www.oscon.cz\/myslete-na-svoje-penize\/#breadcrumbitem"}]}]