{"id":506,"date":"2021-03-08T11:05:13","date_gmt":"2021-03-08T10:05:13","guid":{"rendered":"https:\/\/www.jiri-kovar.cz\/?page_id=506"},"modified":"2025-10-03T08:48:36","modified_gmt":"2025-10-03T06:48:36","slug":"pojisteni","status":"publish","type":"page","link":"https:\/\/www.jiri-kovar.cz\/index.php\/pojisteni\/","title":{"rendered":"Poji\u0161t\u011bn\u00ed"},"content":{"rendered":"[vc_row type=“in_container“ full_screen_row_position=“middle“ column_margin=“default“ scene_position=“center“ text_color=“dark“ text_align=“left“ top_padding=“10%“ overlay_strength=“0.3″ shape_divider_position=“bottom“ bg_image_animation=“none“ shape_type=““][vc_column column_padding=“no-extra-padding“ column_padding_position=“all“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_link_target=“_self“ column_shadow=“none“ column_border_radius=“none“ width=“1\/1″ tablet_width_inherit=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ overlay_strength=“0.3″ column_border_width=“none“ column_border_style=“solid“ bg_image_animation=“none“][vc_custom_heading text=“Poji\u0161t\u011bn\u00ed“ font_container=“tag:h1|text_align:center|color:%23000000″ use_theme_fonts=“yes“][divider line_type=“Small Line“ line_alignment=“center“ line_thickness=“1″ divider_color=“extra-color-3″ custom_height=“80″ custom_line_width=“70″][vc_custom_heading text=“Nenechte se obalamutit reklamn\u00edmi slogany, p\u0159iprav\u00edm V\u00e1m konkr\u00e9tn\u00ed statistiky a \u0159e\u0161en\u00ed v dan\u00e9 problematice. V poji\u0161t\u011bn\u00ed se \u0159e\u0161\u00ed prim\u00e1rn\u011b cena, kvalita je v\u0161ak to nejd\u016fle\u017eit\u011bj\u0161\u00ed, co by V\u00e1s m\u011blo
\nzaj\u00edmat. Mnohokr\u00e1t se setk\u00e1v\u00e1m s klienty, kte\u0159\u00ed maj\u00ed pojistnou smlouvu, ale na to, co m\u011bli b\u00fdt poji\u0161t\u011bni tam ve skute\u010dnosti chyb\u011blo.“ font_container=“tag:h3|text_align:center|color:%23ec4d53″ use_theme_fonts=“yes“][\/vc_column][\/vc_row][vc_row type=“full_width_background“ full_screen_row_position=“middle“ equal_height=“yes“ content_placement=“middle“ column_margin=“default“ scene_position=“center“ text_color=“dark“ text_align=“left“ top_padding=“2%“ bottom_padding=“5%“ id=“creative-services“ overlay_strength=“0.3″ shape_divider_position=“bottom“ bg_image_animation=“none“ shape_type=““][vc_column column_padding=“no-extra-padding“ column_padding_position=“right“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_link_target=“_self“ column_shadow=“none“ column_border_radius=“none“ width=“1\/3″ tablet_width_inherit=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ overlay_strength=“0.3″ column_border_width=“none“ column_border_style=“solid“ bg_image_animation=“none“][vc_column_text]\n

Nen\u00ed poji\u0161t\u011bn\u00ed jako poji\u0161t\u011bn\u00ed <\/span><\/h3>\n[\/vc_column_text][vc_column_text css=“.vc_custom_1647245373600{padding-top: 5% !important;padding-right: 3% !important;}“]\n
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Ma\u0301 ho r\u030cada lidi\u0301, ale bohuz\u030cel jen ma\u0301lokdy je nastaveno tak, aby pomohlo v pr\u030ci\u0301pade\u030c opravdu za\u0301vaz\u030cny\u0301ch zdravotni\u0301ch komplikaci\u0301. Moji\u0301 praci\u0301 je nastavit pojis\u030cte\u030cni\u0301 klientu\u030am na mi\u0301ru, aby se na ne\u030cj mohli spolehnout a neme\u030cli pojis\u030cte\u030cni\u0301 jen pro pocit.<\/p>\n

Nenabi\u0301zi\u0301m reklamni\u0301 slogany, ale ma\u0301m konkre\u0301tni\u0301 statistiky a r\u030ces\u030ceni\u0301. Spolupracuji se vs\u030cemi vy\u0301znamny\u0301mi pojis\u030ct\u030covnami na trhu. Vi\u0301m, jake\u0301 uda\u0301losti nasta\u0301vaji\u0301 nejc\u030caste\u030cji, ktere\u0301 produkty jsou fe\u0301rove\u0301 a vz\u030cdy se o Va\u0301s postara\u0301m v pr\u030ci\u0301pade\u030c pojistne\u0301 uda\u0301losti.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n[\/vc_column_text][\/vc_column][vc_column column_padding=“no-extra-padding“ column_padding_position=“all“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_link_target=“_self“ column_shadow=“none“ column_border_radius=“none“ width=“2\/3″ tablet_width_inherit=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ overlay_strength=“0.3″ column_border_width=“none“ column_border_style=“solid“ bg_image_animation=“none“][vc_row_inner column_margin=“none“ text_align=“left“][vc_column_inner column_padding=“padding-2-percent“ column_padding_position=“all“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_shadow=“none“ column_border_radius=“none“ column_link_target=“_self“ width=“1\/3″ tablet_width_inherit=“default“ overlay_strength=“0.3″ column_border_width=“none“ column_border_style=“solid“ bg_image_animation=“none“][fancy_box box_style=“color_box_basic“ icon_family=“iconsmind“ box_color_opacity=“1″ box_alignment=“left“ border_radius=“default“ image_loading=“default“ enable_animation=“true“ animation=“fade-in-from-bottom“ color_scheme=“none“ secondary_content=“here’s some awesome text that would only be shown on hover“ min_height=“0″ link_url=“#“ icon_iconsmind=“iconsmind-Car“ css=“.vc_custom_1627911207738{margin-bottom: 2em !important;padding-top: 15% !important;padding-right: 15% !important;padding-bottom: 15% !important;padding-left: 15% !important;}“ icon_size=“40″]\n

Poji\u0161t\u011bn\u00ed automobilu<\/h4>\n

Povinn\u00e9 ru\u010den\u00ed nebo havarjn\u00ed poji\u0161t\u011bn\u00ed[\/fancy_box][fancy_box box_style=“color_box_basic“ icon_family=“iconsmind“ box_color=“#2ac4ea“ content_color=“#ffffff“ box_color_opacity=“0.6″ box_alignment=“left“ border_radius=“default“ image_loading=“default“ enable_animation=“true“ animation=“fade-in-from-bottom“ color_scheme=“none“ secondary_content=“here’s some awesome text that would only be shown on hover“ min_height=“0″ link_url=“#http:\/\/google.com“ icon_iconsmind=“iconsmind-Stethoscope“ css=“.vc_custom_1647245428794{padding-top: 15% !important;padding-right: 15% !important;padding-bottom: 15% !important;padding-left: 15% !important;}“ icon_size=“40″]\n

\u017divotn\u00ed poji\u0161t\u011bn\u00ed<\/h4>\n
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At\u030c se jedna\u0301 o u\u0301razove\u0301 nebo z\u030civotni\u0301, na ktere\u0301 Va\u0301m pr\u030cispi\u0301va\u0301 zame\u030cstnavatel<\/p>\n<\/div>\n<\/div>\n<\/div>\n[\/fancy_box][\/vc_column_inner][vc_column_inner column_padding=“padding-2-percent“ column_padding_position=“all“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_shadow=“none“ column_border_radius=“none“ column_link_target=“_self“ width=“1\/3″ tablet_width_inherit=“default“ overlay_strength=“0.3″ column_border_width=“none“ column_border_style=“solid“ bg_image_animation=“none“][fancy_box box_style=“color_box_basic“ icon_family=“iconsmind“ box_color=“#ff1053″ box_color_opacity=“1″ box_alignment=“left“ border_radius=“default“ image_loading=“default“ enable_animation=“true“ animation=“fade-in-from-bottom“ color_scheme=“none“ secondary_content=“here’s some awesome text that would only be shown on hover“ min_height=“0″ link_url=“#“ icon_iconsmind=“iconsmind-Green-House“ css=“.vc_custom_1629341472382{margin-bottom: 2em !important;padding-top: 15% !important;padding-right: 15% !important;padding-bottom: 15% !important;padding-left: 15% !important;}“ delay=“100″ icon_size=“40″]\n

Poji\u0161t\u011bn\u00ed hypot\u00e9ky<\/h4>\n

Z\u00e1vazek by m\u011bl b\u00fdt v\u017edy zaji\u0161t\u011bn v p\u0159\u00edpad\u011b propadu p\u0159\u00edjmu.[\/fancy_box][fancy_box box_style=“color_box_basic“ icon_family=“iconsmind“ box_color=“#fbbc05″ box_color_opacity=“1″ box_alignment=“left“ border_radius=“default“ image_loading=“default“ enable_animation=“true“ animation=“fade-in-from-bottom“ color_scheme=“none“ secondary_content=“here’s some awesome text that would only be shown on hover“ min_height=“0″ link_url=“#“ icon_iconsmind=“iconsmind-Twister“ delay=“100″ css=“.vc_custom_1627910985660{padding-top: 15% !important;padding-right: 15% !important;padding-bottom: 15% !important;padding-left: 15% !important;}“ icon_size=“40″]\n

Poji\u0161t\u011bn\u00ed majetku<\/h4>\n

Majetek je v\u011bt\u0161inou nejhodnot\u011bj\u0161\u00ed v\u011bc, ale m\u00e1lokdy dob\u0159e zaji\u0161t\u011bn[\/fancy_box][\/vc_column_inner][vc_column_inner column_padding=“padding-2-percent“ column_padding_position=“all“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_shadow=“none“ column_border_radius=“none“ column_link_target=“_self“ width=“1\/3″ tablet_width_inherit=“default“ overlay_strength=“0.3″ column_border_width=“none“ column_border_style=“solid“ bg_image_animation=“none“][fancy_box box_style=“color_box_basic“ icon_family=“iconsmind“ box_color=“#2ac4ea“ content_color=“#ffffff“ box_color_opacity=“0.6″ box_alignment=“left“ border_radius=“default“ image_loading=“default“ enable_animation=“true“ animation=“fade-in-from-bottom“ color_scheme=“none“ secondary_content=“here’s some awesome text that would only be shown on hover“ min_height=“0″ link_url=“#http:\/\/google.com“ icon_iconsmind=“iconsmind-Wallet“ css=“.vc_custom_1647245443017{margin-bottom: 2em !important;padding-top: 15% !important;padding-right: 15% !important;padding-bottom: 15% !important;padding-left: 15% !important;}“ icon_size=“40″]\n

Poji\u0161t\u011bn\u00ed odpov\u011bdnosti<\/h4>\n

Stoj\u00ed p\u00e1r stovek ro\u010dn\u011b, ale hradi\u0301 s\u030ckody za Va\u0301s az\u030c do 20 milio\u0301nu korun[\/fancy_box][fancy_box box_style=“color_box_basic“ icon_family=“iconsmind“ box_color_opacity=“1″ box_alignment=“left“ border_radius=“default“ image_loading=“default“ enable_animation=“true“ animation=“fade-in-from-bottom“ color_scheme=“none“ secondary_content=“here’s some awesome text that would only be shown on hover“ min_height=“0″ link_url=“#“ icon_iconsmind=“iconsmind-Myspace“ css=“.vc_custom_1647245450888{margin-bottom: 50px !important;padding-top: 15% !important;padding-right: 15% !important;padding-bottom: 15% !important;padding-left: 15% !important;}“ icon_size=“40″]\n

Poji\u0161t\u011bn\u00ed podnikatelsk\u00fdch rizik<\/h4>\n

Zaji\u0161t\u011bn\u00ed provozu, majetku a odpov\u011bdnosti[\/fancy_box][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row type=“full_width_background“ full_screen_row_position=“middle“ column_margin=“default“ scene_position=“center“ text_color=“light“ text_align=“left“ top_padding=“7%“ bottom_padding=“7%“ id=“zivotnipojisteni“ color_overlay=“#282e34″ overlay_strength=“0.95″ shape_divider_position=“bottom“ bg_image_animation=“none“ shape_type=“waves_opacity_alt“][vc_column centered_text=“true“ column_padding=“padding-2-percent“ column_padding_position=“all“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_link_target=“_self“ column_shadow=“none“ column_border_radius=“none“ width=“1\/3″ tablet_width_inherit=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ overlay_strength=“0.3″ column_border_width=“none“ column_border_style=“solid“ bg_image_animation=“none“][image_with_animation image_url=“942″ alignment=“center“ animation=“None“ hover_animation=“none“ border_radius=“none“ box_shadow=“none“ image_loading=“default“ max_width=“100%“ max_width_mobile=“default“][\/vc_column][vc_column column_padding=“padding-2-percent“ column_padding_position=“all“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_link_target=“_self“ column_shadow=“none“ column_border_radius=“none“ width=“2\/3″ tablet_width_inherit=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ overlay_strength=“0.3″ column_border_width=“none“ column_border_style=“solid“ bg_image_animation=“none“][vc_custom_heading text=“\u017divotn\u00ed poji\u0161t\u011bn\u00ed“ font_container=“tag:h2|text_align:left|color:%23ffffff“ use_theme_fonts=“yes“][vc_column_text]\n

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U\u0301c\u030celem z\u030civotni\u0301ho pojis\u030cte\u030cni\u0301 je pr\u030cedevs\u030ci\u0301m pokryti\u0301 vy\u0301padku pr\u030ci\u0301jmu\u030a v dobe\u030c nemoci, pracovni\u0301ho u\u0301razu nebo pracovni\u0301 neschopnosti. Rovne\u030cz\u030c by spra\u0301vne\u030c nastavene\u0301 rizikove\u0301 pojis\u030cte\u030cni\u0301 me\u030clo pokry\u0301t rodinne\u0301 vy\u0301daje nebo spla\u0301ceni\u0301 financ\u030cni\u0301ch za\u0301vazku\u030a, abyste se nedostali do platebni\u0301 neschopnosti, a rovne\u030cz\u030c zajistili rodinu v pr\u030ci\u0301pade\u030c, z\u030ce by Va\u0301m do z\u030civota vstoupila nenada\u0301la\u0301 uda\u0301lost. Nejve\u030cts\u030ci\u0301 rizikem a chybou klientu\u030a je neaktualizovana\u0301 smlouva, napr\u030ci\u0301klad neaktua\u0301lni\u0301 zame\u030cstna\u0301ni\u0301, pr\u030ci\u0301jmy, nemoci, nove\u0301 koni\u0301c\u030cky nebo sporty. To Vs\u030ce mu\u030az\u030ce ovlivnit vy\u0301platu pojistne\u0301ho plne\u030cni\u0301 v pr\u030ci\u0301pade\u030c pojistne\u0301 uda\u0301losti.<\/p>\n

 <\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n[\/vc_column_text][vc_row_inner column_margin=“default“ text_align=“left“][\/vc_row_inner][\/vc_column][\/vc_row][vc_row type=“full_width_background“ full_screen_row_position=“middle“ column_margin=“default“ bg_color=“#ffffff“ scene_position=“center“ text_color=“dark“ text_align=“left“ top_padding=“7%“ bottom_padding=“7%“ id=“pojistenihypoteky“ overlay_strength=“0.95″ shape_divider_position=“bottom“ bg_image_animation=“none“ shape_type=“waves_opacity_alt“][vc_column centered_text=“true“ column_padding=“padding-2-percent“ column_padding_position=“all“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_link_target=“_self“ column_shadow=“none“ column_border_radius=“none“ width=“1\/3″ tablet_width_inherit=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ overlay_strength=“0.3″ column_border_width=“none“ column_border_style=“solid“ bg_image_animation=“none“][image_with_animation image_url=“944″ alignment=“center“ animation=“None“ hover_animation=“none“ border_radius=“none“ box_shadow=“none“ image_loading=“default“ max_width=“100%“ max_width_mobile=“default“][\/vc_column][vc_column column_padding=“padding-2-percent“ column_padding_position=“all“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_link_target=“_self“ column_shadow=“none“ column_border_radius=“none“ width=“2\/3″ tablet_width_inherit=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ overlay_strength=“0.3″ column_border_width=“none“ column_border_style=“solid“ bg_image_animation=“none“][vc_custom_heading text=“Poji\u0161t\u011bn\u00ed hypot\u00e9ky“ font_container=“tag:h2|text_align:left|color:%23000000″ use_theme_fonts=“yes“][vc_column_text]\n

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Pojis\u030cte\u030cni\u0301 u\u0301zce souvisi\u0301 s na\u0301kupem nemovitosti a velky\u0301 vy\u0301znam v dobe\u030c, kdy se ne\u030cco va\u0301z\u030cne\u0301ho stane. U\u0301c\u030celem pojis\u030cte\u030cni\u0301 je cela nebo z c\u030ca\u0301sti (podle toho, jaka\u0301 je vas\u030ce situace a zda ma\u0301te dostatec\u030cne\u0301 financ\u030cni\u0301 rezervy) pokry\u0301t s\u030ckody na vlastni\u0301m majetku a zdravi\u0301 druhy\u0301ch (obc\u030canska\u0301 odpove\u030cdnost). Krome\u030c toho by spra\u0301vne\u030c nastavena\u0301 pojistna\u0301 smlouva me\u030cla pokry\u0301t financ\u030cni\u0301 vy\u0301padky v pravidelne\u0301m pr\u030ci\u0301jmu (napr\u030c. pr\u030ci ztra\u0301te\u030c zame\u030cstna\u0301ni\u0301, dlouhodobe\u0301 nemoci, pracovni\u0301 neschopnosti c\u030ci za\u0301vaz\u030cny\u0301ch onemocne\u030cni\u0301 a invalidite\u030c).<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n[\/vc_column_text][\/vc_column][\/vc_row][vc_row type=“full_width_background“ full_screen_row_position=“middle“ column_margin=“default“ scene_position=“center“ text_color=“light“ text_align=“left“ top_padding=“7%“ bottom_padding=“7%“ id=“pojisteniautomobilu“ color_overlay=“#282e34″ overlay_strength=“0.95″ shape_divider_position=“both“ bg_image_animation=“none“ shape_type=“waves_opacity_alt“][vc_column column_padding=“padding-2-percent“ column_padding_position=“all“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_link_target=“_self“ column_shadow=“none“ column_border_radius=“none“ width=“1\/3″ tablet_width_inherit=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ overlay_strength=“0.3″ column_border_width=“none“ column_border_style=“solid“ bg_image_animation=“none“][image_with_animation image_url=“945″ alignment=“center“ animation=“None“ hover_animation=“none“ border_radius=“none“ box_shadow=“none“ image_loading=“default“ max_width=“100%“ max_width_mobile=“default“][\/vc_column][vc_column column_padding=“padding-3-percent“ column_padding_position=“all“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_link_target=“_self“ column_shadow=“none“ column_border_radius=“none“ width=“2\/3″ tablet_width_inherit=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ overlay_strength=“0.3″ column_border_width=“none“ column_border_style=“solid“ bg_image_animation=“none“][vc_custom_heading text=“Poji\u0161t\u011bn\u00ed automobilu“ font_container=“tag:h2|text_align:left|color:%23ffffff“ use_theme_fonts=“yes“][vc_column_text]\n

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Povinne\u0301 ruc\u030ceni\u0301 (povinne\u0301 pojis\u030cte\u030cni\u0301 c\u030ci za\u0301konne\u0301 pojis\u030cte\u030cni\u0301 auta) musi\u0301te mi\u0301t ze za\u0301kona pro kaz\u030cde\u0301 vozidlo, ktere\u0301 je provozova\u0301no na pozemni\u0301\u00a0komunikaci. Povinne\u0301 ruc\u030ceni\u0301 Va\u0301s chra\u0301ni\u0301 proti s\u030ckoda\u0301m, ktere\u0301 zpu\u030asobi\u0301te provozem Vas\u030ceho vozidla tr\u030ceti\u0301m strana\u0301m. Nekryje s\u030ckody na Vas\u030cem vozidle, ktere\u0301 si zpu\u030asobi\u0301te sami \u2013 k tomu potr\u030cebujete havarijni\u0301 pojis\u030cte\u030cni\u0301, coz\u030c je nepovinna\u0301 c\u030ca\u0301st pojis\u030cte\u030cni\u0301 vozidla. Pro komplexni\u0301 ochranu proto nedoporuc\u030cuji vyuz\u030ci\u0301vat vy\u0301hradne\u030c jen povinne\u0301 ruc\u030ceni\u0301.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n[\/vc_column_text][\/vc_column][\/vc_row][vc_row type=“full_width_background“ full_screen_row_position=“middle“ column_margin=“default“ bg_color=“#f7f7f7″ scene_position=“center“ text_color=“custom“ custom_text_color=“#444444″ text_align=“left“ top_padding=“7%“ bottom_padding=“7%“ id=“pojistenimajetku“ overlay_strength=“0.95″ shape_divider_position=“bottom“ bg_image_animation=“none“ shape_type=““][vc_column column_padding=“padding-2-percent“ column_padding_position=“all“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_link_target=“_self“ column_shadow=“none“ column_border_radius=“none“ width=“1\/3″ tablet_width_inherit=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ overlay_strength=“0.3″ column_border_width=“none“ column_border_style=“solid“ bg_image_animation=“none“][image_with_animation image_url=“949″ alignment=“center“ animation=“None“ hover_animation=“none“ border_radius=“none“ box_shadow=“none“ image_loading=“default“ max_width=“100%“ max_width_mobile=“default“][\/vc_column][vc_column column_padding=“padding-2-percent“ column_padding_position=“all“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_link_target=“_self“ column_shadow=“none“ column_border_radius=“none“ width=“2\/3″ tablet_width_inherit=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ overlay_strength=“0.3″ column_border_width=“none“ column_border_style=“solid“ bg_image_animation=“none“][vc_custom_heading text=“Poji\u0161t\u011bn\u00ed majetku“ font_container=“tag:h2|text_align:left|color:%23000000″ use_theme_fonts=“yes“][vc_column_text]\n

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Pojistka Va\u0301m mu\u030az\u030ce us\u030cetr\u030cit nemale\u0301 finance v pr\u030ci\u0301pade\u030c, z\u030ce Va\u0301m vi\u0301tr pr\u030ci bour\u030cce ponic\u030ci\u0301 str\u030cechu nebo Va\u0301m zatec\u030ce do pokoje, ale take\u0301 kdyz\u030c Va\u0301s vytopi\u0301\u00a0sousedi. Uzavr\u030ceni\u0301m pojis\u030cte\u030cni\u0301 nemovitosti a doma\u0301cnosti mu\u030az\u030cete svu\u030aj majetek ochra\u0301nit proti vs\u030cem moz\u030cny\u0301m riziku\u030am, napr\u030ci\u0301klad povoden\u030c, vloupa\u0301ni\u0301, poz\u030ca\u0301r, u\u0301deru blesku, krupobiti\u0301, atd. Toto pojis\u030cte\u030cni\u0301 Va\u0301s nepr\u030cijde nikterak draho a v pr\u030ci\u0301pade\u030c pojistne\u0301 uda\u0301losti Va\u0301m zcela nahradi\u0301 vzniklou financ\u030cni\u0301 ztra\u0301tu. Pojistit si mu\u030az\u030cete jak doma\u0301cnost, tak nemovitost. Pojis\u030cte\u030cni\u0301 doma\u0301cnosti se nevztahuje jenom na doma\u0301ci\u0301 zar\u030ci\u0301zeni\u0301 (napr\u030c. elektronika, na\u0301bytek, staroz\u030citnosti), ale take\u0301 na stavebni\u0301 souc\u030ca\u0301sti doma\u0301cnosti (plovouci\u0301 podlaha, kuchyn\u030cska\u0301 linka, vestave\u030cna\u0301 skr\u030ci\u0301n\u030c). S pojis\u030cte\u030cni\u0301m nemovitosti pak mu\u030az\u030cete ochra\u0301nit svu\u030aj byt, du\u030am, ale take\u0301 gara\u0301z\u030ce, sklep, nebo kteroukoli vedlejs\u030ci\u0301 budovu.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n[\/vc_column_text][\/vc_column][\/vc_row][vc_row type=“full_width_background“ full_screen_row_position=“middle“ column_margin=“default“ scene_position=“center“ text_color=“light“ text_align=“left“ top_padding=“7%“ bottom_padding=“7%“ id=“pojisteniodpovednosti“ color_overlay=“#282e34″ overlay_strength=“0.95″ shape_divider_position=“bottom“ bg_image_animation=“none“ shape_type=““][vc_column column_padding=“padding-2-percent“ column_padding_position=“all“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_link_target=“_self“ column_shadow=“none“ column_border_radius=“none“ width=“1\/3″ tablet_width_inherit=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ overlay_strength=“0.3″ column_border_width=“none“ column_border_style=“solid“ bg_image_animation=“none“][image_with_animation image_url=“946″ alignment=“center“ animation=“None“ hover_animation=“none“ border_radius=“none“ box_shadow=“none“ image_loading=“default“ max_width=“100%“ max_width_mobile=“default“][\/vc_column][vc_column column_padding=“padding-2-percent“ column_padding_position=“all“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_link_target=“_self“ column_shadow=“none“ column_border_radius=“none“ width=“2\/3″ tablet_width_inherit=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ overlay_strength=“0.3″ column_border_width=“none“ column_border_style=“solid“ bg_image_animation=“none“][vc_custom_heading text=“Poji\u0161t\u011bn\u00ed odpov\u011bdnosti“ font_container=“tag:h2|text_align:left|color:%23ffffff“ use_theme_fonts=“yes“][vc_column_text]\n

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Pojis\u030cte\u030cni\u0301 odpove\u030cdnosti za s\u030ckodu je velice prakticky\u0301m pojis\u030cte\u030cni\u0301m pro pr\u030ci\u0301pad s\u030ckody, kterou ne\u030ckomu zpu\u030asobi\u0301te svou c\u030cinnosti\u0301 nebo provozem sve\u0301ho majetku. Takove\u0301 situace se mohou vyskytnout pome\u030crne\u030c c\u030casto a jejich hrazeni\u0301 mu\u030az\u030ce by\u0301t velmi na\u0301kladne\u0301. Pojis\u030cte\u030cni\u0301 odpove\u030cdnosti se vztahuje i na dals\u030ci\u0301 c\u030cleny doma\u0301cnosti, c\u030ci aktivitou doma\u0301ci\u0301ho mazli\u0301c\u030cka. Toto pojis\u030cte\u030cni\u0301 Va\u0301m pomu\u030az\u030ce v pr\u030ci\u0301pade\u030c, z\u030ce zpu\u030asobi\u0301te s\u030ckodu, za kterou podle za\u0301kona odpovi\u0301da\u0301te, a dotc\u030cena\u0301 osoba nebo subjekt si klade opra\u0301vne\u030cne\u0301 na\u0301roky na na\u0301hradu. Stejne\u030c tak se ale chra\u0301ni\u0301te pr\u030ced na\u0301roky na na\u0301hradu s\u030ckody v pr\u030ci\u0301pade\u030c, z\u030ce na Va\u0301s budou vzneseny neopra\u0301vne\u030cne\u030c.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n[\/vc_column_text][\/vc_column][\/vc_row][vc_row type=“full_width_background“ full_screen_row_position=“middle“ column_margin=“default“ bg_color=“#f7f7f7″ scene_position=“center“ text_color=“custom“ custom_text_color=“#444444″ text_align=“left“ top_padding=“7%“ bottom_padding=“2%“ id=“pojistenipodnikatelu“ overlay_strength=“0.95″ shape_divider_position=“bottom“ bg_image_animation=“none“ shape_type=““][vc_column column_padding=“padding-2-percent“ column_padding_position=“all“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_link_target=“_self“ column_shadow=“none“ column_border_radius=“none“ width=“1\/3″ tablet_width_inherit=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ overlay_strength=“0.3″ column_border_width=“none“ column_border_style=“solid“ bg_image_animation=“none“][image_with_animation image_url=“947″ alignment=“center“ animation=“None“ hover_animation=“none“ border_radius=“none“ box_shadow=“none“ image_loading=“default“ max_width=“100%“ max_width_mobile=“default“][\/vc_column][vc_column column_padding=“padding-2-percent“ column_padding_position=“all“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_link_target=“_self“ column_shadow=“none“ column_border_radius=“none“ width=“2\/3″ tablet_width_inherit=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ overlay_strength=“0.3″ column_border_width=“none“ column_border_style=“solid“ bg_image_animation=“none“][vc_custom_heading text=“Poji\u0161t\u011bn\u00ed podnikatel\u016f“ font_container=“tag:h2|text_align:left|color:%23000000″ use_theme_fonts=“yes“][vc_column_text]\n

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Pojis\u030cte\u030cni\u0301 obecne\u0301 odpove\u030cdnosti podnikatele, pra\u0301vnicky\u0301ch osob, firem a spolec\u030cnosti\u0301, pojis\u030cte\u030cni\u0301 podnikatelsky\u0301ch rizik. Toto pojis\u030cte\u030cni\u0301 kryje rizika zpu\u030asobena\u0301 pr\u030ci pra\u0301ci zame\u030cstnavatele a jeho zame\u030cstnancu\u030a na majetku nebo zdravi\u0301 tr\u030ceti\u0301ch osob. Podnikatel ti\u0301mto kryti\u0301m zi\u0301ska\u0301va\u0301 ochranu pr\u030ced nec\u030cekany\u0301mi a nepr\u030ci\u0301znivy\u0301mi na\u0301sledky zpu\u030asobeny\u0301ch s\u030ckod, nebo na\u0301hradu s\u030ckody c\u030ci u\u0301jmy na majetku nebo na zdravi\u0301. Pojis\u030cte\u030cni\u0301 kryje rizika u\u0301hrady zachran\u030covaci\u0301ch na\u0301kladu\u030a, pra\u0301vni\u0301 pomoci pr\u030ci r\u030ces\u030ceni\u0301 s\u030ckodny\u0301ch uda\u0301losti\u0301. Pojis\u030cte\u030cni\u0301 odpove\u030cdnosti lze kombinovat i s kryti\u0301m rizika zpu\u030asobene\u0301ho vadny\u0301m vy\u0301robkem, poskytovany\u0301mi sluz\u030cbami, regresivni\u0301 na\u0301klady zdravotni\u0301ch pojis\u030cte\u030cni\u0301 nebo da\u0301vek nemocenske\u0301ho pojis\u030cte\u030cni\u0301 tr\u030ceti\u0301ch osob.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n[\/vc_column_text][\/vc_column][\/vc_row][vc_row type=“full_width_content“ full_screen_row_position=“middle“ column_margin=“default“ bg_color=“#f7f7f7″ scene_position=“center“ text_color=“dark“ text_align=“left“ overlay_strength=“1″ shape_divider_position=“bottom“ bg_image_animation=“none“ shape_type=““][vc_column column_padding=“no-extra-padding“ column_padding_position=“all“ background_color_opacity=“1″ background_hover_color_opacity=“1″ column_link_target=“_self“ column_shadow=“none“ column_border_radius=“none“ width=“1\/1″ tablet_width_inherit=“default“ tablet_text_alignment=“default“ phone_text_alignment=“default“ overlay_strength=“0.3″ column_border_width=“none“ column_border_style=“solid“ bg_image_animation=“none“][image_with_animation image_url=“774″ alignment=“right“ animation=“None“ hover_animation=“none“ border_radius=“none“ box_shadow=“none“ image_loading=“default“ max_width=“100%“ max_width_mobile=“default“][\/vc_column][\/vc_row]\n","protected":false},"excerpt":{"rendered":"

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