{"id":907,"date":"2019-03-26T11:26:27","date_gmt":"2019-03-26T10:26:27","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=907"},"modified":"2023-06-27T13:08:28","modified_gmt":"2023-06-27T11:08:28","slug":"poistenie-zodpovednosti-zamestnanca-vam-moze-zachranit-az-styri-mesacne-platy","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/poistenie-zodpovednosti-zamestnanca-vam-moze-zachranit-az-styri-mesacne-platy\/","title":{"rendered":"Poistenie zodpovednosti zamestnanca v\u00e1m m\u00f4\u017ee zachr\u00e1ni\u0165 a\u017e \u0161tyri mesa\u010dn\u00e9 platy"},"content":{"rendered":"<p><strong>Ur\u010dite ste u\u017e po\u010duli zn\u00e1me pr\u00edslovie: &#8222;Kto ni\u010d nerob\u00ed, ni\u010d nepokaz\u00ed&#8220;. Za ni\u010dnerobenie v\u00e1s v\u0161ak nikto plati\u0165 nebude a preto pravdepodobne nejak\u00fa pr\u00e1cu vykon\u00e1vate. A pri jej v\u00fdkone sa m\u00f4\u017eete dopusti\u0165 aj omylov alebo ch\u00fdb, v d\u00f4sledku ktor\u00fdch sp\u00f4sob\u00edte v\u00e1\u0161mu zamestn\u00e1vate\u013eovi \u0161kodu. Ak nechcete \u010deli\u0165 riziku, \u017ee v\u00a0pr\u00edpade \u0161kody pr\u00eddete a\u017e o\u00a04 mesa\u010dn\u00e9 z\u00e1robky,\u00a0<\/strong><strong>uzatvorte si poistenie zodpovednosti zamestnanca za \u0161kodu sp\u00f4soben\u00fa zamestn\u00e1vate\u013eovi.\u00a0<\/strong><\/p>\n<p>O tomto doposia\u013e trochu podce\u0148ovanom poisten\u00ed sme sa rozpr\u00e1vali so <strong>\u0160tefanom Fajnorom, riadite\u013eom pre ne\u017eivotn\u00e9 poistenie<\/strong> v spolo\u010dnosti <a href=\"https:\/\/www.fingo.sk\/\" target=\"_blank\" rel=\"noopener\">FinGO.sk<\/a>. V rozhovore hovor\u00ed:<\/p>\n<ul>\n<li><em><strong>pre\u010do je dobr\u00e9 ma\u0165 poistenie zodpovednosti zamestnanca uzatvoren\u00e9,<\/strong><\/em><\/li>\n<li><em><strong>pre koho je toto poistenie ur\u010den\u00e9,<\/strong><\/em><\/li>\n<li><em><strong>na ak\u00e9 \u0161kody sa poistenie vz\u0165ahuje,\u00a0<\/strong><\/em><\/li>\n<li><em><strong>na ak\u00e9 \u0161kody sa poistenie naopak nevz\u0165ahuje<\/strong><\/em><\/li>\n<li><em><strong>a kedy zamestn\u00e1vate\u013e nem\u00e1 n\u00e1rok vzniknut\u00fa \u0161kodu od zamestnanca vym\u00e1ha\u0165.<\/strong><\/em><\/li>\n<\/ul>\n<h3><\/h3>\n<h3><img decoding=\"async\" class=\" wp-image-412 aligncenter\" src=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2018\/08\/stefan-fajnor-300x300.png\" alt=\"\" width=\"145\" height=\"145\" srcset=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2018\/08\/stefan-fajnor-300x300.png 300w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2018\/08\/stefan-fajnor-150x150.png 150w, https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2018\/08\/stefan-fajnor.png 360w\" sizes=\"(max-width: 145px) 100vw, 145px\" \/><\/h3>\n<h5 style=\"text-align: center;\"><span style=\"color: #999999;\"><em>\u0160tefan Fajnor, riadite\u013e pre\u00a0<\/em><\/span><span style=\"color: #999999;\"><em>ne\u017eivotn\u00e9 poistenie<\/em><\/span><\/h5>\n<h3><span style=\"color: #ec8124;\"><b>Na \u010do sl\u00fa\u017ei poistenie zodpovednosti zamestnanca za \u0161kodu sp\u00f4soben\u00fa zamestn\u00e1vate\u013eovi? <\/b><\/span><\/h3>\n<p><span style=\"font-weight: 400;\"><strong>Zamestnanec zodpoved\u00e1 svojmu zamestn\u00e1vate\u013eovi za ak\u00fako\u013evek \u0161kodu, sp\u00f4soben\u00fa pri v\u00fdkone jeho pr\u00e1ce.<\/strong> M\u00f4\u017ee \u00eds\u0165 napr\u00edklad o\u00a0po\u0161kodenie alebo zni\u010denie majetku zamestn\u00e1vate\u013ea, stratu zveren\u00fdch predmetov, chybne vykonan\u00fa pr\u00e1cu a\u00a0podobne. <strong>Zamestn\u00e1vate\u013e t\u00fato \u0161kodu m\u00f4\u017ee od svojho zamestnanca vym\u00e1ha\u0165 a\u00a0to a\u017e do v\u00fd\u0161ky \u0161tvorn\u00e1sobku jeho hrubej mesa\u010dnej mzdy.<\/strong> A\u00a0pr\u00e1ve poistenie zodpovednosti za \u0161kodu zamestnanca kryje niektor\u00e9 \u0161kody, za ktor\u00e9 zamestnanec zodpoved\u00e1.<\/span><\/p>\n<h3><span style=\"color: #ec8124;\"><b>Pre koho je tak\u00e9to poistenie ur\u010den\u00e9? <\/b><\/span><\/h3>\n<p><span style=\"font-weight: 400;\"><strong>Toto poistenie sa vz\u0165ahuje na zamestnancov, ktor\u00ed s\u00fa v pracovnom, slu\u017eobnom alebo \u0161t\u00e1tnozamestnaneckom pomere u zamestn\u00e1vate\u013eov, ktor\u00ed maj\u00fa s\u00eddlo na \u00fazem\u00ed SR.<\/strong> To znamen\u00e1, \u017ee prv\u00fdm predpokladom vzniku zodpovednosti je existencia pracovnopr\u00e1vneho vz\u0165ahu medzi zamestnancom a zamestn\u00e1vate\u013eom.<\/span><\/p>\n<h3><span style=\"color: #ec8124;\"><b>M\u00f4\u017eete uvies\u0165 niektor\u00e9 typy profesi\u00ed, pre ktor\u00e9 je tak\u00e9to poistenie vhodn\u00e9?<\/b><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">T\u00fdch pr\u00edkladov je ve\u013ea. M\u00f4\u017ee to by\u0165 mana\u017e\u00e9r, pracovn\u00edk vo v\u00fdrobe alebo aj administrat\u00edvny pracovn\u00edk, ktor\u00fd v\u00a0d\u00f4sledku chyby v\u00a0objedn\u00e1vke objedn\u00e1 tovar, ktor\u00fd firma nevie vyu\u017ei\u0165, ale mus\u00ed ho zaplati\u0165. Firme t\u00fdm vznikne \u0161koda, ktor\u00fa si zamestn\u00e1vate\u013e m\u00f4\u017ee od zamestnanca vym\u00e1ha\u0165.\u00a0Poistenie s pripoisten\u00edm \u0161kody na motorovom vozidle zamestn\u00e1vate\u013ea by mali ma\u0165 uzatvoren\u00e9 tie\u017e v\u0161etci zamestnanci, ktor\u00ed pou\u017e\u00edvaj\u00fa v pr\u00e1ci slu\u017eobn\u00e9 vozidlo.<\/span><\/p>\n<h3><span style=\"color: #ec8124;\"><b>Nie s\u00fa \u0161kody na slu\u017eobn\u00fdch vozidl\u00e1ch hraden\u00e9 z\u00a0havarijn\u00e9ho poistenia zamestn\u00e1vate\u013ea?<\/b><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Zamestn\u00e1vate\u013e nem\u00e1 povinnos\u0165 ma\u0165 svoje vozidl\u00e1 havarijne poisten\u00e9. Preto <strong>\u0161kody, ktor\u00e9 sp\u00f4sob\u00ed zamestnanec na firemnom vozidle, si m\u00f4\u017ee zamestn\u00e1vate\u013e od neho vym\u00e1ha\u0165.<\/strong> V\u00a0pr\u00edpade, ak by aj mal zamestn\u00e1vate\u013e havarijn\u00e9 poistenie uzatvoren\u00e9, m\u00f4\u017ee si od zamestnanca vym\u00e1ha\u0165 spolu\u00fa\u010das\u0165, ktor\u00fa musel pois\u0165ovni zaplati\u0165. Pois\u0165ovne v\u0161ak bud\u00fa sk\u00fama\u0165, ako ku nehode do\u0161lo a \u010di m\u00e1 zamestnanec n\u00e1rok na poistn\u00e9 plnenie z tohto poistenia.\u00a0<\/span><\/p>\n<h3><span style=\"color: #ec8124;\"><b>M\u00f4\u017eete uvies\u0165 konkr\u00e9tne pr\u00edklady?<\/b><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Napr\u00edklad, ak by zamestnanec natankoval do slu\u017eobn\u00e9ho vozidla omylom in\u00e9 palivo, tak vzniknut\u00fa \u0161kodu by zv\u00e4\u010d\u0161a pois\u0165ov\u0148a z takejto poistky plnila. Na druhej strane, ak by \u0161koda na aute vznikla napr\u00edklad v\u00a0d\u00f4sledku stretu so zverou, jedn\u00e1 sa o\u00a0n\u00e1hodn\u00fa udalos\u0165, ktor\u00fa zamestnanec nemohol ovplyvni\u0165. Nie je to preto zodpovednos\u0165 zamestnanca a\u00a0ani zamestn\u00e1vate\u013e nem\u00e1 v\u00a0takomto pr\u00edpade pr\u00e1vo od zamestnanca \u017eiada\u0165 n\u00e1hradu \u0161kody.<\/span><\/p>\n<h3><span style=\"color: #ec8124;\"><b>S\u00fa \u0161kody, na ktor\u00e9 sa toto poistenie nevz\u0165ahuje?<\/b><\/span><\/h3>\n<p><span style=\"font-weight: 400;\"><strong>Vo v\u00fdluk\u00e1ch poistenia s\u00fa v\u0161etky \u0161kody sp\u00f4soben\u00e9 napr\u00edklad pod vplyvom alkoholu, \u0161kody sp\u00f4soben\u00e9 \u00famyselne, hrubou nedbanlivos\u0165ou alebo \u010dinnos\u0165ami nad r\u00e1mec pracovnej zmluvy,<\/strong> ale napr\u00edklad aj <strong>\u0161kody sp\u00f4soben\u00e9 stratou zveren\u00fdch predmetov<\/strong>, napr. notebooku alebo telef\u00f3nu. <\/span><\/p>\n<h3><span style=\"color: #ec8124;\"><b>Pre\u010do sa poistenie nevz\u0165ahuje na \u0161kody sp\u00f4soben\u00e9 stratou? <\/b><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Preto\u017ee v\u00a0t\u00fdchto pr\u00edpadoch je <strong>ve\u013emi \u0165a\u017ek\u00e9 dok\u00e1za\u0165, \u017ee i\u0161lo o\u00a0n\u00e1hodn\u00fa udalos\u0165 a\u00a0nie o\u00a0hrub\u00fa nedbanlivos\u0165 alebo \u00famyseln\u00e9 konanie.<\/strong> Prakticky nie je mo\u017en\u00e9 dok\u00e1za\u0165, \u017ee si zamestnanec zveren\u00fd predmet neponechal z\u00e1merne. Rovnako je to aj v\u00a0pr\u00edpade schodku na zveren\u00fdch hodnot\u00e1ch, napr\u00edklad zisten\u00e9 manko v\u00a0pokladni alebo v\u00a0z\u00e1sob\u00e1ch. <\/span><span style=\"font-weight: 400;\">\u00daplne in\u00e1 situ\u00e1cia by nastala, ak by ku schodku do\u0161lo v d\u00f4sledku kr\u00e1de\u017ee.\u00a0<\/span><\/p>\n<h3><span style=\"color: #ec8124;\"><b>Odcudzenie nie je zodpovednos\u0165 zamestnanca?<\/b><\/span><\/h3>\n<p><span style=\"font-weight: 400;\"><strong>Zodpovednos\u0165 je, ak zamestnanec spravil nie\u010do inak ako mal a\u00a0na z\u00e1klade toho pri\u0161lo ku \u0161kode.<\/strong> Ale ke\u010f ho niekto okradne, to nie je jeho zodpovednos\u0165 a zamestn\u00e1vate\u013e by tak\u00fato \u0161kodu nemal od zamestnanca ani vym\u00e1ha\u0165.\u00a0<\/span><\/p>\n<h3><span style=\"color: #ec8124;\"><b>\u010co ak sa to predsa stane? <\/b><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Spom\u00ednal som to u\u017e vy\u0161\u0161ie. <strong>Zamestn\u00e1vate\u013e nem\u00e1 n\u00e1rok vym\u00e1ha\u0165 od zamestnanca \u0161kodu, za vznik ktorej on nenesie zodpovednos\u0165 <\/strong>(napr. \u0161kody, ktor\u00e9 vznikli v d\u00f4sledku vy\u0161\u0161ej moci).\u00a0Na druhej strane, st\u00e1va sa to pomerne \u010dasto. Vzh\u013eadom k\u00a0tomu, ak\u00fd je u\u00a0n\u00e1s pracovn\u00fd trh, mnoh\u00ed zamestnanci sa boja svojmu zamestn\u00e1vate\u013eovi oponova\u0165 a\u00a0ve\u013eakr\u00e1t si priznaj\u00fa \u0161kodu, za ktor\u00fa pod\u013ea z\u00e1kona zodpovedn\u00ed nie s\u00fa. V\u00a0tomto pr\u00edpade to ale pois\u0165ov\u0148a hradi\u0165 nebude.\u00a0<\/span><\/p>\n<h3><span style=\"color: #ec8124;\"><b>Ako sa m\u00f4\u017ee zamestnanec br\u00e1ni\u0165? <\/b><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">V niektor\u00fdch pois\u0165ovniach toto <strong>poistenie zodpovednosti obsahuje aj pr\u00e1vnu pomoc pri neopr\u00e1vnenom vym\u00e1han\u00ed \u0161kody zo strany zamestn\u00e1vate\u013ea.<\/strong>\u00a0Teda ak by zamestn\u00e1vate\u013e po\u017eadoval zaplatenie \u0161kody, za ktor\u00fa pod\u013ea zamestnanca on nezodpoved\u00e1, pois\u0165ov\u0148a mu vie poskytn\u00fa\u0165 pr\u00e1vne poradenstvo ako sa vo\u010di zamestn\u00e1vate\u013eovi br\u00e1ni\u0165.\u00a0<\/span><\/p>\n<h3><span style=\"color: #ec8124;\"><b>\u010co chybne vykonan\u00e1 pr\u00e1ca? Vz\u0165ahuje sa poistenie na tak\u00e9to pr\u00edpady?<\/b><\/span><\/h3>\n<p>Pri pois\u0165ovni, ktor\u00e1 umo\u017e\u0148uje aj <strong>pripoistenie chybne vykonanej pr\u00e1ce<\/strong>, si viem predstavi\u0165, \u017ee ak niekto v d\u00f4sledku chybne vykonanej prace sp\u00f4sob\u00ed \u0161kodu svojmu zamestn\u00e1vate\u013eovi, pois\u0165ov\u0148a by \u0161kodu uhradila.\u00a0Napr\u00edklad zamestnanec vyrob\u00ed nepodarky, ktor\u00e9 firma n\u00e1sledne nevie preda\u0165.\u00a0 Nie ka\u017ed\u00e1 pois\u0165ov\u0148a m\u00e1 v\u0161ak toto pripoistenie v ponuke.<\/p>\n<h3><span style=\"color: #ec8124;\"><b>Na ak\u00fa poistn\u00fa sumu odpor\u00fa\u010date uzavrie\u0165 poistenie?<\/b><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Ke\u010f\u017ee<strong> suma, ktor\u00fa m\u00f4\u017ee zamestn\u00e1vate\u013e \u017eiada\u0165 od svojho zamestnanca je z\u00e1konom limitovan\u00e1<\/strong> a\u00a0predstavuje maxim\u00e1lne 4-n\u00e1sobok hrubej mzdy zamestnanca na jednu poistn\u00fa udalos\u0165, odpor\u00fa\u010dam uzavrie\u0165 poistenie na tak\u00fato sumu. Je tam s\u00edce riziko, \u017ee ak zamestnanec sp\u00f4sob\u00ed viac \u0161k\u00f4d svojmu zamestn\u00e1vate\u013eovi po\u010das jedn\u00e9ho poistn\u00e9ho obdobia, stanoven\u00e1 poistn\u00e1 suma nemus\u00ed posta\u010dova\u0165. Niektor\u00e9 pois\u0165ovne maj\u00fa preto nastaven\u00fd limit plnenia na jedno poistn\u00e9 obdobie do v\u00fd\u0161ky 2 n\u00e1sobku poistnej sumy. <strong>V\u00a0pr\u00edpade ni\u017e\u0161ej poistnej sumy sa v\u0161ak zamestnanec vystavuje podpoisteniu a\u00a0tie\u017e riziku, \u017ee pr\u00edpadn\u00fd rozdiel v\u00a0\u0161kode by musel zamestn\u00e1vate\u013eovi doplati\u0165 z\u00a0vlastn\u00e9ho vrecka. <\/strong><\/span><\/p>\n<h3><span style=\"color: #ec8124;\"><b>Ak\u00e1 je v\u00fd\u0161ka poistn\u00e9ho? <\/b><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Poistn\u00e9 pri tomto poisten\u00ed nie je ve\u013ek\u00e9, m\u00f4\u017ee sa pohybova\u0165 okolo 50 eur ro\u010dne. Ke\u010f sa zamestnanec poist\u00ed na cie\u013eov\u00fa sumu napr\u00edklad 4\u00a0000 eur, tak poistn\u00e9 je v porovnan\u00ed s mo\u017en\u00fdmi \u0161kodami zanedbate\u013en\u00e9.\u00a0<\/span><\/p>\n<h3><span style=\"color: #ec8124;\"><b>Pre\u010do by mal ma\u0165 ka\u017ed\u00fd zamestnanec tak\u00e9to poistenie uzatvoren\u00e9?<\/b><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Je nutn\u00e9 podotkn\u00fa\u0165, \u017ee zamestnanec nem\u00e1 povinnos\u0165 ma\u0165 toto poistenie uzatvoren\u00e9 a je pravda, \u017ee toto poistenie je st\u00e1le trochu podce\u0148ovan\u00e9. Na druhej strane, u\u017e bolo ve\u013ea pr\u00edpadov, kedy si zamestn\u00e1vate\u013e \u017eiadal n\u00e1hradu \u0161kody od zamestnanca. Tento trend bude s ur\u010ditos\u0165ou pokra\u010dova\u0165 aj na\u010falej a zamestn\u00e1vatelia si bud\u00fa zodpovednos\u0165 uplat\u0148ova\u0165 \u010d\u00edm \u010falej t\u00fdm \u010dastej\u0161ie. Ako \u013eudia sme omyln\u00ed, rob\u00edme chyby. Aj na prv\u00fd poh\u013ead drobn\u00e9 zlyhanie m\u00f4\u017ee sp\u00f4sobi\u0165 nemal\u00e9 \u0161kody.\u00a0 Preto ka\u017ed\u00fd zamestnanec by mal ma\u0165 toto poistenie uzatvoren\u00e9, aby sa vyhol nepr\u00edjemn\u00fdm d\u00f4sledkom tak\u00fdchto udalost\u00ed na svoju pe\u0148a\u017eenku.\u00a0 \u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ur\u010dite ste u\u017e po\u010duli zn\u00e1me pr\u00edslovie: &#8222;Kto ni\u010d nerob\u00ed, ni\u010d nepokaz\u00ed&#8220;. Za ni\u010dnerobenie v\u00e1s v\u0161ak nikto plati\u0165 nebude a preto pravdepodobne nejak\u00fa pr\u00e1cu vykon\u00e1vate. A pri jej v\u00fdkone sa m\u00f4\u017eete dopusti\u0165 aj omylov alebo ch\u00fdb, v d\u00f4sledku ktor\u00fdch m\u00f4\u017eete sp\u00f4sobi\u0165 v\u00e1\u0161mu zamestn\u00e1vate\u013eovi \u0161kodu. Ak nechcete \u010deli\u0165 riziku, \u017ee v\u00a0pr\u00edpade \u0161kody pr\u00eddete a\u017e o\u00a04 mesa\u010dn\u00e9 z\u00e1robky,\u00a0uzatvorte si poistenie zodpovednosti za \u0161kodu zamestnanca.\u00a0<\/p>\n","protected":false},"author":26,"featured_media":908,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[75],"tags":[87,88],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Poistenie zodpovednosti zamestnanca v\u00e1m m\u00f4\u017ee zachr\u00e1ni\u0165 a\u017e \u0161tyri mesa\u010dn\u00e9 platy - FinGO.sk<\/title>\n<meta name=\"description\" content=\"Pri v\u00fdkone povolania m\u00f4\u017eete sp\u00f4sob\u00edte v\u00e1\u0161mu zamestn\u00e1vate\u013eovi \u0161kodu. 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