{"id":7147,"date":"2021-08-13T00:00:00","date_gmt":"2021-08-12T23:00:00","guid":{"rendered":"https:\/\/instrid.sk\/uncategorized\/ako-sa-moze-zamestnanec-chranit-ak-sposobi-skodu-zamestnavatelovi-existuje-poistenie-ktore-kryje-aj-chybne-vykonanu-pracu\/"},"modified":"2021-08-13T00:00:00","modified_gmt":"2021-08-12T23:00:00","slug":"ako-sa-moze-zamestnanec-chranit-ak-sposobi-skodu-zamestnavatelovi-existuje-poistenie-ktore-kryje-aj-chybne-vykonanu-pracu","status":"publish","type":"post","link":"https:\/\/instrid.sk\/en\/archiv\/ako-sa-moze-zamestnanec-chranit-ak-sposobi-skodu-zamestnavatelovi-existuje-poistenie-ktore-kryje-aj-chybne-vykonanu-pracu\/","title":{"rendered":"Ako sa m\u00f4\u017ee zamestnanec chr\u00e1ni\u0165, ak sp\u00f4sob\u00ed \u0161kodu zamestn\u00e1vate\u013eovi? Existuje poistenie, ktor\u00e9 kryje aj chybne vykonan\u00fa pr\u00e1cu"},"content":{"rendered":"<ul>\n<li><strong>Existuje poistenie pre zamestnanca na krytie \u0161k\u00f4d sp\u00f4soben\u00fdch zamestn\u00e1vate\u013eovi<\/strong><\/li>\n<li><strong>Zodpovednos\u0165 zamestnanca za \u0161kodu &#8211; d\u00e1 sa jej vyhn\u00fa\u0165?<\/strong><\/li>\n<li><strong>Kto vlastne zodpoved\u00e1 za \u0161kody pri dopravnej nehody na slu\u017eobnom vozidle?<\/strong><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>Dopravn\u00e1 nehoda alebo \u0161kodov\u00e1 udalos\u0165 na slu\u017ebnom vozidle, po\u0161kodenie majetku z\u00e1kazn\u00edka, vinou nespr\u00e1vneho postupu sp\u00f4soben\u00e9 ome\u0161kanie d\u00f4le\u017eitej dod\u00e1vky tovaru \u010di slu\u017eieb, to v\u0161etko s\u00fa veci, ktor\u00e9 sa dej\u00fa ka\u017ed\u00fd de\u0148.<\/p>\n<p>Azda naj\u010dastej\u0161ie sa stret\u00e1vame s po\u0161koden\u00edm slu\u017eobn\u00fdch automobilov, \u010do zvykne by\u0165 aj \u010dastou ot\u00e1zkou pre poradcov o poisteniach: <strong>kto vlastne zodpoved\u00e1 za \u0161kody pri dopravnej nehody na slu\u017eobnom vozidle?<\/strong> Odpove\u010f je pritom pomerne jednoduch\u00e1. \u0160koda na druhom vozidle sa kryje z povinn\u00e9ho zmluvn\u00e9ho poistenia PZP majite\u013ea vozidla v pr\u00edpade, \u017ee za \u0161kody je preuk\u00e1zate\u013ene zodpovedn\u00fd vodi\u010d vozidla &#8211; teda aj zamestnanec na slu\u017eobnom aute.<\/p>\n<p>A kto bude zodpoveda\u0165 za \u0161kody na slu\u017eobnom vozidle, <strong>ak si za ne zamestnanec m\u00f4\u017ee s\u00e1m?<\/strong> Na tento \u00fa\u010del sa uzatv\u00e1ra havarijn\u00e9 poistenie, a to firmou, ktor\u00e1 auto vlastn\u00ed &#8211; av\u0161ak potrebn\u00e9 je dobre pozna\u0165 aj pracovn\u00fa zmluvu zamestnanca, v ktorej by mala by\u0165 upresnen\u00e1 spolu\u00fa\u010das\u0165 na kryt\u00ed tak\u00fdchto \u0161k\u00f4d. Zamestn\u00e1vate\u013e m\u00e1 n\u00e1rok od svojho zamestnanca vy\u017eadova\u0165 spolu\u00fa\u010das\u0165.<\/p>\n<p>Realita je \u010dastokr\u00e1t odli\u0161n\u00e1 od toho, \u010do si predstavujeme a \u010do mienime. Men\u0161ie i v\u00e4\u010d\u0161ie dopravn\u00e9 nehody, drobn\u00e9 pochybenia maj\u00face za v\u00fdsledok v\u00e1\u017enej\u0161ie \u0161kody, to s\u00fa v\u0161etko veci, s ktor\u00fdmi je dobr\u00e9 po\u010d\u00edta\u0165, aj ke\u010f si na ne d\u00e1vame pozor.<\/p>\n Poistenie zodpovednosti zamestnanca nie je ur\u010den\u00e9 len pre vodi\u010dov \u010di in\u0161talat\u00e9rov, ale aj pre kancel\u00e1rske poz\u00edcie a mno\u017estvo in\u00fdch, vr\u00e1tane oper\u00e1tora vo v\u00fdrobe.\n<h3>Ob\u00e1vate sa, \u017ee od v\u00e1s bude zamestn\u00e1vate\u013e vym\u00e1ha\u0165 \u0161kodu?<\/h3>\n<p>Na\u0161\u0165astie, aj na tak\u00e9to udalosti, a mnoh\u00e9 \u010fal\u0161ie, existuj\u00fa dnes na finan\u010dnom trhu produkty, ktor\u00e9 pom\u00f4\u017eu ochr\u00e1ni\u0165 peniaze zamestnanca.\u00a0 Tak\u00fdmto produktom je Zodpovednos\u0165 zamestnanca za \u0161kodu od pois\u0165ovne Allianz.<\/p>\n<p>Poistenie v\u00e1m poskytne poistn\u00fa ochranu v pr\u00edpade, ak v\u00e1\u0161mu zamestn\u00e1vate\u013eovi pri plnen\u00ed pracovn\u00fdch \u00faloh, respekt\u00edve v priamej s\u00favislosti s nimi, sp\u00f4sob\u00edte \u0161kodu, za ktor\u00fa budete zodpoveda\u0165.<\/p>\n<p>Poistenie plat\u00ed na celom \u00fazem\u00ed Eur\u00f3py, teda aj na celom \u00fazem\u00ed Slovenska, navy\u0161e poistenie si m\u00f4\u017ee uzatvori\u0165 ako\u00a0 zamestnanec, tak aj zamestn\u00e1vate\u013e v prospech svojich zamestnancov. Tak\u00fdmto sp\u00f4sobom si m\u00f4\u017ee zamestn\u00e1vate\u013e zabezpe\u010di\u0165 pokojn\u00fd sp\u00e1nok istotou, \u017ee svojho zamestnanca pr\u00edpadn\u00e9 krytie \u0161k\u00f4d spolu\u00fa\u010das\u0165ou nezruinuje.<\/p>\n<p>Z\u00e1kladn\u00fa cenu produktu si m\u00f4\u017ee ka\u017ed\u00fd vypo\u010d\u00edta\u0165 s\u00e1m pomocou online kalkula\u010dky poistenia zodpovednosti zamestnanca. Vyzer\u00e1 nasledovne:<\/p>\n<p>&nbsp;<\/p>\n<p>Napr\u00edklad administrat\u00edvny pracovn\u00edk s poistn\u00fdm kryt\u00edm do 10 000 eur zaplat\u00ed ro\u010dne 131 eur, \u010do fakticky zodpoved\u00e1 necel\u00fdm jeden\u00e1stim eur\u00e1m mesa\u010dne. Popri ro\u010dnej platbe Allianz pon\u00faka aj platby poistenia dvakr\u00e1t ro\u010dne, pr\u00edpadne \u0161tyri platby ro\u010dne.<\/p>\n<p>U\u017eito\u010dn\u00fdm doplnkom k tomuto poistn\u00e9mu produktu s\u00fa <strong>pripoistenia<\/strong>, napr\u00edklad \u0161koda na zverenom vozidle, chybne vykonan\u00e1 pr\u00e1ca, slu\u017eba, \u0161koda na dopravovan\u00fdch veciach, roz\u0161\u00edrenie na cel\u00fd svet (teda nielen E\u00da) \u010di sumu poistn\u00e9ho mo\u017eno zn\u00ed\u017ei\u0165 v\u00fdmenou za vy\u0161\u0161iu spolu\u00fa\u010das\u0165.<\/p>\n<p><strong>A \u010do tak\u00e9 nezvy\u010dajn\u00e9 zamestnania?<\/strong> Allianz pon\u00faka rie\u0161enia aj pre <strong>menej tradi\u010dn\u00e9 povolania<\/strong>, ako astrofyzik, anim\u00e1tor, anket\u00e1r, b\u00e1bkoherec, biofyzik, botanik, doji\u010dka, fotograf, garbiar, hrob\u00e1r, choreograf, kombajnista, knihovn\u00edk, kvetin\u00e1r, moder\u00e1tor, n\u00e1morn\u00edk, ornitol\u00f3g, zvr\u0161k\u00e1r \u010di dokonca poslanec! Samozrejme, v ponuke je aj slovensk\u00e1 klasika, <strong>oper\u00e1tor vo v\u00fdrobe<\/strong>. Ceny sa l\u00ed\u0161ia v z\u00e1vislosti od zamestnania, in\u00e9 ceny s\u00fa pre automechanika, ktor\u00fd denno-denne doch\u00e1dza do styku s vysok\u00fdmi hodnotami, a administrat\u00edvnym pracovn\u00edkom.<\/p>\n<p>V ka\u017edom pr\u00edpade s\u00fa ceny nastaven\u00e9 f\u00e9rovo, preh\u013eadne a s mo\u017enos\u0165ou rozlo\u017eenia spl\u00e1tok na ro\u010dn\u00e9, polro\u010dn\u00e9 \u010di kvart\u00e1lne platby.<\/p>\n<p>Rozhodne odpor\u00fa\u010dame ka\u017ed\u00e9mu prejs\u0165 si ponuku pois\u0165ovne a zv\u00e1\u017ei\u0165, \u010di pr\u00e1ve tak\u00e9to poistenie nevyrie\u0161i va\u0161e pr\u00edpadn\u00e9 obavy z finan\u010dnej neistoty.<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>","protected":false},"excerpt":{"rendered":"<p>Tak\u00e9to poistenie sa vyplat\u00ed nielen zamestnancovi, ale aj zamestn\u00e1vate\u013eovi.<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[51],"tags":[],"class_list":["post-7147","post","type-post","status-publish","format-standard","hentry","category-archiv","two-columns"],"_links":{"self":[{"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/posts\/7147","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/comments?post=7147"}],"version-history":[{"count":0,"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/posts\/7147\/revisions"}],"wp:attachment":[{"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/media?parent=7147"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/categories?post=7147"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/instrid.sk\/en\/wp-json\/wp\/v2\/tags?post=7147"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}