{"id":9861,"date":"2025-02-19T13:37:05","date_gmt":"2025-02-19T12:37:05","guid":{"rendered":"https:\/\/www.fingo.sk\/blog\/?p=9861"},"modified":"2025-02-19T13:39:46","modified_gmt":"2025-02-19T12:39:46","slug":"vytopeni-susedia-ci-naburane-firemne-autoochrani-vas-poistenie-zodpovednosti-za-skodu","status":"publish","type":"post","link":"https:\/\/www.fingo.sk\/blog\/vytopeni-susedia-ci-naburane-firemne-autoochrani-vas-poistenie-zodpovednosti-za-skodu\/","title":{"rendered":"Vytopen\u00ed susedia \u010di nab\u00faran\u00e9 firemn\u00e9 auto? Ochr\u00e1ni v\u00e1s poistenie zodpovednosti za \u0161kodu"},"content":{"rendered":"\n<p><strong>Vedeli ste, \u017ee takmer ka\u017ed\u00fd druh\u00fd dospel\u00fd u\u017e niekedy rie\u0161il n\u00e1hradu \u0161kody, ktor\u00fa sp\u00f4sobil bu\u010f on s\u00e1m alebo niekto z jeho rodiny? Nechtiac vytop\u00edte susedov, nab\u00farate firemn\u00e9 auto, va\u0161e die\u0165a v obchode rozbije drah\u00fd tovar\u2026 Sta\u010d\u00ed sekunda nepozornosti a \u0161kody m\u00f4\u017eu dosahova\u0165 tis\u00edce, ale aj desa\u0165tis\u00edce eur. Napriek tomu mnoho \u013eud\u00ed st\u00e1le podce\u0148uje v\u00fdznam poistenia zodpovednosti za \u0161kodu. Po\u010fme sa pozrie\u0165, v ak\u00fdch situ\u00e1ci\u00e1ch v\u00e1m pom\u00f4\u017ee a ako si ho uzavrie\u0165.<\/strong><\/p>\n\n\n\n<p>\u013dudia si \u010dasto neuvedomuj\u00fa, ako \u013eahko m\u00f4\u017eu sp\u00f4sobi\u0165 \u0161kodu, ktor\u00e1 ich v\u00fdrazne finan\u010dne zasiahne. Pritom sta\u010d\u00ed moment nepozornosti a n\u00e1sledky m\u00f4\u017eu by\u0165 naozaj n\u00e1kladn\u00e9. Ka\u017ed\u00fd z n\u00e1s pozn\u00e1 povinn\u00e9<a href=\"https:\/\/www.fingo.sk\/blog\/dolezite-zmeny-pri-pzp-co-vsetko-by-ste-mali-vediet\/\"> PZP<\/a>, ktor\u00e9 vodi\u010dom kryje zodpovednos\u0165 za \u0161kody sp\u00f4soben\u00e9 tretej strane, ale in\u00e9 typy zodpovednosti Slov\u00e1ci \u010dasto podce\u0148uj\u00fa.<\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\">Poistenie zodpovednosti za \u0161kodu<\/h2>\n\n\n\n<p>Poistenie zodpovednosti je zahrnut\u00e9 v r\u00f4znych typoch poistenia. Ka\u017ed\u00e1 zo zodpovednost\u00ed kryje r\u00f4zne situ\u00e1cie v be\u017enom aj v pracovnom \u017eivote.<\/p>\n\n\n\n<ul>\n<li>posl\u00fa\u017ei v\u00e1m pri cestovnom poisten\u00ed<\/li>\n\n\n\n<li>b\u00fdva s\u00fa\u010das\u0165ou poistenia b\u00fdvania<\/li>\n\n\n\n<li>stretnete sa s n\u00edm v zamestnan\u00ed aj pri podnikan\u00ed<\/li>\n\n\n\n<li>samostatnou kateg\u00f3riou je ob\u010dianska zodpovednos\u0165<\/li>\n\n\n\n<li>vz\u0165ahuje sa aj na \u0161kody, ktor\u00e9 sp\u00f4sobia va\u0161e deti \u010di dom\u00e1ci mil\u00e1\u010dikovia<\/li>\n<\/ul>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\">V r\u00e1mci cestovn\u00e9ho poistenia pom\u00f4\u017ee aj na svahu<\/h2>\n\n\n\n<p>Napr\u00edklad aj z\u00e1kladn\u00fd bal\u00edk <a href=\"https:\/\/www.fingo.sk\/poistenie\/cestovne-poistenie\">cestovn\u00e9ho poistenia<\/a> na zimnej \u010di letnej dovolenke v zahrani\u010d\u00ed by mal obsahova\u0165 nielen poistenie lie\u010debn\u00fdch n\u00e1kladov, \u010di asistenciu, ale aj zodpovednos\u0165 za \u0161kodu. Aj pri mori, na hor\u00e1ch alebo na ly\u017eiarskom svahu sa predsa m\u00f4\u017eete zrani\u0165 nielen vy, ale aj nechtiac ubl\u00ed\u017ei\u0165 in\u00fdm.<\/p>\n\n\n\n<p>Poistenie zodpovednosti v tomto pr\u00edpade sl\u00fa\u017ei na pokrytie \u0161k\u00f4d, ktor\u00e9 v zahrani\u010d\u00ed m\u00f4\u017eete vy alebo va\u0161i rodinn\u00ed pr\u00edslu\u0161n\u00edci sp\u00f4sobi\u0165 tret\u00edm stran\u00e1m. Ak napr\u00edklad zraz\u00edte ly\u017eiara na rak\u00faskej \u010di talianskej zjazdovke, m\u00f4\u017ee si od v\u00e1s vym\u00e1ha\u0165 n\u00e1klady na prevoz do nemocnice, o\u0161etrenie, lieky \u010di zdravotn\u00e9 pom\u00f4cky, v\u00fddavky na rekonvalescenciu, dokonca aj n\u00e1hradu pr\u00edjmu alebo zni\u010den\u00e9 ly\u017eiarske vybavenie.&nbsp;<\/p>\n\n\n\n<p>Viete o tom, \u017ee od roku 2022 je poistenie zodpovednosti povinn\u00e9 pre ly\u017eiarov v Taliansku? Pri nedodr\u017ean\u00ed tejto povinnosti hroz\u00ed pokuta a\u017e 150 eur. Je to jasn\u00fd sign\u00e1l, \u017ee zodpovednos\u0165 za sp\u00f4soben\u00e9 \u0161kody je potrebn\u00e9 bra\u0165 v\u00e1\u017ene.<\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\">\u0160kody, ktor\u00e9 sp\u00f4sob\u00edte susedom \u010di okoloid\u00facim<\/h2>\n\n\n\n<p>Ak sa pozrieme na poistenie b\u00fdvania, s\u00fa\u010das\u0165ou <a href=\"https:\/\/www.fingo.sk\/poistenie\/poistenie-majetku\">kvalitnej poistky<\/a> by malo by\u0165 poistenie nehnute\u013enosti, dom\u00e1cnosti a aj zodpovednosti. Zodpovednos\u0165 z vlastn\u00edctva, dr\u017eby, zo spr\u00e1vy a z n\u00e1jmu nehnute\u013enosti chr\u00e1ni majite\u013eov bytov, domov, nebytov\u00fdch priestorov, ale aj chal\u00fap \u010di in\u00fdch nehnute\u013enost\u00ed pred \u0161kodami, ktor\u00e9 m\u00f4\u017eu sp\u00f4sobi\u0165 tret\u00edm stran\u00e1m. Napr\u00edklad svoj\u00edm susedom, n\u00e1v\u0161teve alebo aj okoloid\u00facim.<\/p>\n\n\n\n<p>V\u0155ta v\u00e1m v hlave, \u010do tak\u00e9 sa m\u00f4\u017ee sta\u0165?<\/p>\n\n\n\n<ul>\n<li>M\u00f4\u017ee to by\u0165 pokojne len kvetin\u00e1\u010d, ktor\u00fd spadne z v\u00e1\u0161ho balk\u00f3na a rozbije auto, alebo sp\u00f4sob\u00ed \u00faraz okoloid\u00facej osobe.<\/li>\n\n\n\n<li>Aj sneh \u010di \u013ead po p\u00e1de zo strechy v\u00e1\u0161ho rodinn\u00e9ho domu m\u00f4\u017ee sp\u00f4sobi\u0165 ujmy na zdrav\u00ed aj na majetku os\u00f4b.<\/li>\n\n\n\n<li>Takisto po\u017eiar \u010di v\u00fdbuch, ktor\u00fd po\u0161kod\u00ed aj susedn\u00fa budovu, vozidlo alebo in\u00fd cudz\u00ed majetok.<\/li>\n\n\n\n<li>Pr\u00edpadne v\u00e1m v byte praskne vodovodn\u00e9 potrubie a nechtiac vytop\u00edte susedov.<\/li>\n\n\n\n<li>Podobn\u00fdch pr\u00edpadov, ktor\u00e9 pois\u0165ovne eviduj\u00fa, je ve\u013emi ve\u013ea.<\/li>\n<\/ul>\n\n\n\n<p><strong><em>Pre\u010d\u00edtajte si aj \u010dl\u00e1nok <\/em><\/strong><a href=\"https:\/\/www.fingo.sk\/blog\/5-rad-o-poisteni-v-zime-poistenie-nehnutelnosti\/\"><strong><em>Pozor na prasknut\u00e9 vodovodn\u00e9 potrubia, zosuvy snehu \u010di \u0161myk\u013eav\u00e9 chodn\u00edky<\/em><\/strong><\/a><strong><em><\/em><\/strong><\/p>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"block-visibility-hide-small-screen is-layout-constrained wp-block-group\"><div class=\"wp-block-group__inner-container\">\n<iframe src=\"https:\/\/www.fingo.sk\/banner\/poistenie-majetku\/version1?inNewWindow=1&amp;cpar=FINGO&amp;ref=7304cgEuEkscUYikEPjKIZi810BBQidTYbq&amp;utm_medium=BLOG&amp;utm_source=FINGO\" id=\"iframePropertyInsuranceV1\" style=\"min-height: 593px; width: 110%; border: none; height: 937px;\" loading=\"lazy\"><\/iframe>\n<\/div><\/div>\n\n\n\n<div class=\"block-visibility-hide-large-screen block-visibility-hide-medium-screen is-layout-constrained wp-block-group\"><div class=\"wp-block-group__inner-container\">\n<iframe src=\"https:\/\/www.fingo.sk\/banner\/poistenie-majetku\/version1?inNewWindow=1&amp;cpar=FINGO&amp;ref=7304cgEuEkscUYikEPjKIZi810BBQidTYbq&amp;utm_medium=BLOG&amp;utm_source=FINGO\" id=\"iframePropertyInsuranceV1\" style=\"min-height: 1300px; width: 100%; border: none; height: 937px;\" loading=\"lazy\"><\/iframe>\n<\/div><\/div>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\">Ob\u010dianska zodpovednos\u0165 sa vz\u0165ahuje aj na deti \u010di psy<\/h2>\n\n\n\n<p>Ak si pois\u0165ujete vybavenie&nbsp; dom\u00e1cnosti, ur\u010dite nezabudnite aj na poistenie zodpovednosti \u010dlenov dom\u00e1cnosti a p\u00fdtajte sa, \u010di t\u00fato zodpovednos\u0165 m\u00e1te kryt\u00fa spolu s poisten\u00edm dom\u00e1cnosti alebo je potrebn\u00e9 si ju pripoisti\u0165. Vz\u0165ahuje sa aj na \u201etrapasy\u201d, za ktor\u00e9 m\u00f4\u017eu by\u0165 zodpovedn\u00e9 na\u0161e deti \u010di dom\u00e1ci mil\u00e1\u010dikovia. Sta\u010d\u00ed sekunda nepozornosti a \u0161koda za p\u00e1r stoviek, ale aj tis\u00edcok eur m\u00f4\u017ee by\u0165 na svete. <em>&nbsp;<\/em><\/p>\n\n\n\n<p>Ob\u010dianska zodpovednos\u0165 sa pritom vz\u0165ahuje na v\u0161etk\u00fdch \u010dlenov dom\u00e1cnosti aj na dom\u00e1cich mil\u00e1\u010dikov, ktor\u00ed pri be\u017en\u00fdch \u010dinnostiach sp\u00f4sobia \u0161kodu inej osobe. M\u00f4\u017ee \u00eds\u0165 napr\u00edklad o pr\u00edpad, ke\u010f va\u0161e die\u0165a pri hre rozbije susedovi okno alebo v\u00e1\u0161 pes vybehne na cestu a sp\u00f4sob\u00ed dopravn\u00fa nehodu.&nbsp;&nbsp;<\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\">Zodpovednos\u0165 zamestnanca<\/h2>\n\n\n\n<p>U\u017e ste po\u010duli o poisten\u00ed zodpovednosti zamestnanca? Ve\u013ea \u013eud\u00ed nevie, \u017ee pod\u013ea Z\u00e1konn\u00edka pr\u00e1ce m\u00f4\u017ee zamestn\u00e1vate\u013e od zamestnanca \u017eiada\u0165 n\u00e1hradu \u0161kody a\u017e do v\u00fd\u0161ky \u0161tvorn\u00e1sobku priemern\u00e9ho mesa\u010dn\u00e9ho z\u00e1robku. Napr\u00edklad ak by zamestnanec sp\u00f4sobil \u0161kodu za 10-tis\u00edc eur a zar\u00e1ba 1 000 eur, zamestn\u00e1vate\u013e od neho m\u00f4\u017ee po\u017eadova\u0165 n\u00e1hradu \u0161kody do v\u00fd\u0161ky 4 000 eur.<\/p>\n\n\n\n<p>O poistenie zodpovednosti zamestnanca sa v dne\u0161nej dobe zauj\u00edma \u010doraz viac Slov\u00e1kov. D\u00f4vodom je vy\u0161\u0161ia informovanos\u0165 a pr\u00e1vne povedomie, ale aj infl\u00e1cia, ktor\u00e1 sa premietla do vy\u0161\u0161\u00edch cien tovarov. Zdra\u017eeli aj slu\u017eobn\u00e9 aut\u00e1 \u010di in\u00fd majetok firiem.<\/p>\n\n\n\n<p>Pois\u0165ovne v tejto s\u00favislosti naj\u010dastej\u0161ie eviduj\u00fa havarovan\u00e9 slu\u017eobn\u00e9 vozidl\u00e1, \u0161kody pri prekl\u00e1dkach tovaru v skladoch \u010di pri v\u00fdrobn\u00fdch link\u00e1ch.<\/p>\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\">Poistenie pre firmy aj drobn\u00fdch \u017eivnostn\u00edkov<\/h2>\n\n\n\n<p>Ak podnik\u00e1te, viete si poisti\u0165 nielen firemn\u00e9 auto, budovo \u010di in\u00fd majetok, ale aj zodpovednos\u0165 za \u0161kodu. Poistenie \u010dasto vyu\u017e\u00edvaj\u00fa napr\u00edklad stavebn\u00e9 firmy, v\u00fdrobn\u00e9 podniky, re\u0161taur\u00e1cie, taxi slu\u017eby, \u00fa\u010dtovn\u00edci, ale aj realitn\u00e9 kancel\u00e1rie, IT firmy a mnoh\u00e9 \u010fal\u0161ie odvetvia.<\/p>\n\n\n\n<p>Pri poisten\u00ed zodpovednosti si podnikatelia vr\u00e1tane drobn\u00fdch \u017eivnostn\u00edkov vedia poisti\u0165 \u010dinnos\u0165, ktor\u00fa vykon\u00e1vaj\u00fa pod\u013ea obchodn\u00e9ho registra. Z\u00e1rove\u0148 si m\u00f4\u017eu zvoli\u0165 potrebn\u00e9 pripoistenia aj v z\u00e1vislosti od toho, v akom sektore podnikaj\u00fa.<\/p>\n\n\n\n<p class=\"has-text-color\" style=\"color:#ec8124\"><strong>Vedeli ste?<\/strong><\/p>\n\n\n\n<p>Niektor\u00e9 profesie musia ma\u0165 poistenie zodpovednosti povinne zo z\u00e1kona \u2013 napr\u00edklad lek\u00e1ri, advok\u00e1ti, znalci, tlmo\u010dn\u00edci, not\u00e1ri, autorizovan\u00ed architekti, stavebn\u00ed in\u017einieri a \u010fal\u0161\u00ed.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"newsletter-1\"><\/div>\r\n<script src=\"https:\/\/www.fingo.sk\/cdn\/scripts\/widget-newsletter.js?v=2\"><\/script>\r\n\n\n\n\n<h2 class=\"has-text-color\" style=\"color:#ec8124\">Ako si vybra\u0165 vhodn\u00e9 poistenie zodpovednosti za \u0161kodu?<\/h2>\n\n\n\n<p>Poistenie zodpovednosti sa teda vz\u0165ahuje na \u0161kody, za ktor\u00e9 pod\u013ea z\u00e1kona zodpoved\u00e1te a ktor\u00e9 od v\u00e1s po\u0161koden\u00fd m\u00f4\u017ee po\u017eadova\u0165. Podmienky poistenia sa v\u0161ak v r\u00f4znych pois\u0165ovniach na trhu l\u00ed\u0161ia, a to nielen cenovo, ale aj rozsahom krytia a takisto v\u00fd\u0161kou spolu\u00fa\u010dasti.<\/p>\n\n\n\n<p>Bez oh\u013eadu na to, o akom type zodpovednosti hovor\u00edme, je d\u00f4le\u017eit\u00e9, aby ste si zvolili dostato\u010dn\u00fd poistn\u00fd limit a venovali pozornos\u0165 aj \u00fazemnej platnosti poistenia. Niektor\u00e9 poistky sa toti\u017e vz\u0165ahuj\u00fa len na poistn\u00e9 udalosti na Slovensku, in\u00e9 platia v celej Eur\u00f3pe alebo aj celosvetovo.<\/p>\n\n\n\n<p><strong>TIP:<\/strong> Pri v\u00fdbere a uzatvoren\u00ed poistenia sa m\u00f4\u017eete obr\u00e1ti\u0165 na na\u0161ich<a href=\"https:\/\/www.fingo.sk\/kontakty\"> sk\u00fasen\u00fdch \u0161pecialistov z FinGO.sk<\/a>.<\/p>\n\n\n\n<p>Objekt\u00edvne v\u00e1m porovn\u00e1me a odporu\u010d\u00edme najv\u00fdhodnej\u0161ie poistenie na trhu. Tak\u00e9, ktor\u00e9 v\u00e1m v pr\u00edpade poistnej udalosti dostato\u010dne pom\u00f4\u017ee a z\u00e1rove\u0148 bude cenovo v\u00fdhodn\u00e9.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<iframe id=\"iframeBannerV1_property\" src=\"https:\/\/www.fingo.sk\/banner\/general?type=property\" style=\"height: 263px; width: 100%; border: medium; box-shadow: 0 0 10px gray; border-radius: 14px;\" loading=\"lazy\"><\/iframe>\n\n\n\n<script>\n\n    (function(){\n\n        window.addEventListener('message', function(e) {\n\n          if (e.data.height) {\n\n            document.getElementById(e.data.iframeId).style.height = (e.data.height) + 'px';\n\n          };\n\n        }, false);\n\n    })();\n\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Vedeli ste, \u017ee takmer ka\u017ed\u00fd druh\u00fd dospel\u00fd u\u017e niekedy rie\u0161il n\u00e1hradu \u0161kody, ktor\u00fa sp\u00f4sobil bu\u010f on s\u00e1m alebo niekto z jeho rodiny? Nechtiac vytop\u00edte susedov, nab\u00farate firemn\u00e9 auto, va\u0161e die\u0165a v obchode rozbije drah\u00fd tovar\u2026 Sta\u010d\u00ed sekunda nepozornosti a \u0161kody m\u00f4\u017eu dosahova\u0165 tis\u00edce, ale aj desa\u0165tis\u00edce eur. Napriek tomu mnoho \u013eud\u00ed st\u00e1le podce\u0148uje v\u00fdznam poistenia zodpovednosti za \u0161kodu. Po\u010fme sa pozrie\u0165, v ak\u00fdch situ\u00e1ci\u00e1ch v\u00e1m pom\u00f4\u017ee a ako si ho uzavrie\u0165. \u013dudia si \u010dasto neuvedomuj\u00fa, ako \u013eahko m\u00f4\u017eu sp\u00f4sobi\u0165 \u0161kodu, ktor\u00e1 ich v\u00fdrazne finan\u010dne zasiahne. Pritom sta\u010d\u00ed moment nepozornosti a n\u00e1sledky m\u00f4\u017eu by\u0165 naozaj n\u00e1kladn\u00e9. Ka\u017ed\u00fd z n\u00e1s pozn\u00e1 povinn\u00e9 PZP, ktor\u00e9 vodi\u010dom kryje zodpovednos\u0165 za \u0161kody sp\u00f4soben\u00e9 tretej strane, ale in\u00e9 typy zodpovednosti Slov\u00e1ci \u010dasto podce\u0148uj\u00fa. Poistenie zodpovednosti za \u0161kodu Poistenie zodpovednosti je zahrnut\u00e9 v r\u00f4znych typoch poistenia. Ka\u017ed\u00e1 zo zodpovednost\u00ed kryje r\u00f4zne situ\u00e1cie v be\u017enom aj v pracovnom \u017eivote. V r\u00e1mci cestovn\u00e9ho poistenia pom\u00f4\u017ee aj na svahu Napr\u00edklad aj z\u00e1kladn\u00fd bal\u00edk cestovn\u00e9ho poistenia na zimnej \u010di letnej dovolenke v zahrani\u010d\u00ed by mal obsahova\u0165 nielen poistenie lie\u010debn\u00fdch n\u00e1kladov, \u010di asistenciu, ale aj zodpovednos\u0165 za \u0161kodu. Aj pri mori, na hor\u00e1ch alebo na ly\u017eiarskom svahu sa predsa m\u00f4\u017eete zrani\u0165 nielen vy, ale aj nechtiac ubl\u00ed\u017ei\u0165 in\u00fdm. Poistenie zodpovednosti v tomto [&hellip;]<\/p>\n","protected":false},"author":58,"featured_media":9883,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[16],"tags":[60,115,59,188],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.11 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Poistenie zodpovednosti za \u0161kodu kryje aj deti a zvierat\u00e1- FinGO.sk<\/title>\n<meta name=\"description\" content=\"Rozbit\u00e9 okno, vytopen\u00fd sused \u010di dopravn\u00e1 nehoda sp\u00f4soben\u00e1 psom? Poistenie zodpovednosti za \u0161kodu v\u00e1s ochr\u00e1ni pred ne\u010dakan\u00fdmi v\u00fddavkami.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fingo.sk\/blog\/vytopeni-susedia-ci-naburane-firemne-autoochrani-vas-poistenie-zodpovednosti-za-skodu\/\" \/>\n<meta property=\"og:locale\" content=\"sk_SK\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Poistenie zodpovednosti za \u0161kodu kryje aj deti a zvierat\u00e1- FinGO.sk\" \/>\n<meta property=\"og:description\" content=\"Rozbit\u00e9 okno, vytopen\u00fd sused \u010di dopravn\u00e1 nehoda sp\u00f4soben\u00e1 psom? Poistenie zodpovednosti za \u0161kodu v\u00e1s ochr\u00e1ni pred ne\u010dakan\u00fdmi v\u00fddavkami.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.fingo.sk\/blog\/vytopeni-susedia-ci-naburane-firemne-autoochrani-vas-poistenie-zodpovednosti-za-skodu\/\" \/>\n<meta property=\"og:site_name\" content=\"FinGO.sk\" \/>\n<meta property=\"article:published_time\" content=\"2025-02-19T12:37:05+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-02-19T12:39:46+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2025\/02\/Poistenie-zodpovednosti-za-skodu-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2160\" \/>\n\t<meta property=\"og:image:height\" content=\"1439\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Juliana Arvaiov\u00e1\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Autor\" \/>\n\t<meta name=\"twitter:data1\" content=\"Juliana Arvaiov\u00e1\" \/>\n\t<meta name=\"twitter:label2\" content=\"Predpokladan\u00fd \u010das \u010d\u00edtania\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 min\u00fat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.fingo.sk\/blog\/vytopeni-susedia-ci-naburane-firemne-autoochrani-vas-poistenie-zodpovednosti-za-skodu\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.fingo.sk\/blog\/vytopeni-susedia-ci-naburane-firemne-autoochrani-vas-poistenie-zodpovednosti-za-skodu\/\"},\"author\":{\"name\":\"Juliana Arvaiov\u00e1\",\"@id\":\"https:\/\/www.fingo.sk\/blog\/#\/schema\/person\/6cd0d5bd48b1be52f3486f039fd1ebdf\"},\"headline\":\"Vytopen\u00ed susedia \u010di nab\u00faran\u00e9 firemn\u00e9 auto? Ochr\u00e1ni v\u00e1s poistenie zodpovednosti za \u0161kodu\",\"datePublished\":\"2025-02-19T12:37:05+00:00\",\"dateModified\":\"2025-02-19T12:39:46+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.fingo.sk\/blog\/vytopeni-susedia-ci-naburane-firemne-autoochrani-vas-poistenie-zodpovednosti-za-skodu\/\"},\"wordCount\":1256,\"publisher\":{\"@id\":\"https:\/\/www.fingo.sk\/blog\/#organization\"},\"keywords\":[\"Poistenie dom\u00e1cnosti\",\"Poistenie majetku\",\"Poistenie nehnute\u013enosti\",\"poistenie zodpovednosti\"],\"articleSection\":[\"Poistenie majetku\"],\"inLanguage\":\"sk-SK\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.fingo.sk\/blog\/vytopeni-susedia-ci-naburane-firemne-autoochrani-vas-poistenie-zodpovednosti-za-skodu\/\",\"url\":\"https:\/\/www.fingo.sk\/blog\/vytopeni-susedia-ci-naburane-firemne-autoochrani-vas-poistenie-zodpovednosti-za-skodu\/\",\"name\":\"Poistenie zodpovednosti za \u0161kodu kryje aj deti a zvierat\u00e1- FinGO.sk\",\"isPartOf\":{\"@id\":\"https:\/\/www.fingo.sk\/blog\/#website\"},\"datePublished\":\"2025-02-19T12:37:05+00:00\",\"dateModified\":\"2025-02-19T12:39:46+00:00\",\"description\":\"Rozbit\u00e9 okno, vytopen\u00fd sused \u010di dopravn\u00e1 nehoda sp\u00f4soben\u00e1 psom? Poistenie zodpovednosti za \u0161kodu v\u00e1s ochr\u00e1ni pred ne\u010dakan\u00fdmi v\u00fddavkami.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.fingo.sk\/blog\/vytopeni-susedia-ci-naburane-firemne-autoochrani-vas-poistenie-zodpovednosti-za-skodu\/#breadcrumb\"},\"inLanguage\":\"sk-SK\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.fingo.sk\/blog\/vytopeni-susedia-ci-naburane-firemne-autoochrani-vas-poistenie-zodpovednosti-za-skodu\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.fingo.sk\/blog\/vytopeni-susedia-ci-naburane-firemne-autoochrani-vas-poistenie-zodpovednosti-za-skodu\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Blog\",\"item\":\"https:\/\/www.fingo.sk\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Poistenie majetku\",\"item\":\"https:\/\/www.fingo.sk\/blog\/category\/poistenie-majetku\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Vytopen\u00ed susedia \u010di nab\u00faran\u00e9 firemn\u00e9 auto? Ochr\u00e1ni v\u00e1s poistenie zodpovednosti za \u0161kodu\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.fingo.sk\/blog\/#website\",\"url\":\"https:\/\/www.fingo.sk\/blog\/\",\"name\":\"FinGO.sk\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/www.fingo.sk\/blog\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.fingo.sk\/blog\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"sk-SK\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.fingo.sk\/blog\/#organization\",\"name\":\"FINGO.SK s. r. o.\",\"url\":\"https:\/\/www.fingo.sk\/blog\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"sk-SK\",\"@id\":\"https:\/\/www.fingo.sk\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2018\/06\/ryba-s-bielym.png\",\"contentUrl\":\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2018\/06\/ryba-s-bielym.png\",\"width\":983,\"height\":1000,\"caption\":\"FINGO.SK s. r. o.\"},\"image\":{\"@id\":\"https:\/\/www.fingo.sk\/blog\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.fingo.sk\/blog\/#\/schema\/person\/6cd0d5bd48b1be52f3486f039fd1ebdf\",\"name\":\"Juliana Arvaiov\u00e1\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"sk-SK\",\"@id\":\"https:\/\/www.fingo.sk\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2024\/10\/Juliana-Arvaiova_Specialistka-na-nezivotne-poistenie-scaled-96x96.jpg\",\"contentUrl\":\"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2024\/10\/Juliana-Arvaiova_Specialistka-na-nezivotne-poistenie-scaled-96x96.jpg\",\"caption\":\"Juliana Arvaiov\u00e1\"},\"description\":\"V minulosti pracovala v banke ako osobn\u00e1 bank\u00e1rka a p\u00f4sobila tie\u017e v pois\u0165ovni v oblasti spr\u00e1vy poistenia. Vo FinGO.sk je riadite\u013ekou pre ne\u017eivotn\u00e9 poistenie. Miluje les, kvety, divadlo, filmov\u00e9 dr\u00e1my a hudbu. U\u017e takmer 23 rokov akt\u00edvne spieva.\",\"url\":\"https:\/\/www.fingo.sk\/blog\/author\/juliana-arvaiova\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Poistenie zodpovednosti za \u0161kodu kryje aj deti a zvierat\u00e1- FinGO.sk","description":"Rozbit\u00e9 okno, vytopen\u00fd sused \u010di dopravn\u00e1 nehoda sp\u00f4soben\u00e1 psom? Poistenie zodpovednosti za \u0161kodu v\u00e1s ochr\u00e1ni pred ne\u010dakan\u00fdmi v\u00fddavkami.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.fingo.sk\/blog\/vytopeni-susedia-ci-naburane-firemne-autoochrani-vas-poistenie-zodpovednosti-za-skodu\/","og_locale":"sk_SK","og_type":"article","og_title":"Poistenie zodpovednosti za \u0161kodu kryje aj deti a zvierat\u00e1- FinGO.sk","og_description":"Rozbit\u00e9 okno, vytopen\u00fd sused \u010di dopravn\u00e1 nehoda sp\u00f4soben\u00e1 psom? Poistenie zodpovednosti za \u0161kodu v\u00e1s ochr\u00e1ni pred ne\u010dakan\u00fdmi v\u00fddavkami.","og_url":"https:\/\/www.fingo.sk\/blog\/vytopeni-susedia-ci-naburane-firemne-autoochrani-vas-poistenie-zodpovednosti-za-skodu\/","og_site_name":"FinGO.sk","article_published_time":"2025-02-19T12:37:05+00:00","article_modified_time":"2025-02-19T12:39:46+00:00","og_image":[{"width":2160,"height":1439,"url":"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2025\/02\/Poistenie-zodpovednosti-za-skodu-1.jpg","type":"image\/jpeg"}],"author":"Juliana Arvaiov\u00e1","twitter_card":"summary_large_image","twitter_misc":{"Autor":"Juliana Arvaiov\u00e1","Predpokladan\u00fd \u010das \u010d\u00edtania":"6 min\u00fat"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.fingo.sk\/blog\/vytopeni-susedia-ci-naburane-firemne-autoochrani-vas-poistenie-zodpovednosti-za-skodu\/#article","isPartOf":{"@id":"https:\/\/www.fingo.sk\/blog\/vytopeni-susedia-ci-naburane-firemne-autoochrani-vas-poistenie-zodpovednosti-za-skodu\/"},"author":{"name":"Juliana Arvaiov\u00e1","@id":"https:\/\/www.fingo.sk\/blog\/#\/schema\/person\/6cd0d5bd48b1be52f3486f039fd1ebdf"},"headline":"Vytopen\u00ed susedia \u010di nab\u00faran\u00e9 firemn\u00e9 auto? Ochr\u00e1ni v\u00e1s poistenie zodpovednosti za \u0161kodu","datePublished":"2025-02-19T12:37:05+00:00","dateModified":"2025-02-19T12:39:46+00:00","mainEntityOfPage":{"@id":"https:\/\/www.fingo.sk\/blog\/vytopeni-susedia-ci-naburane-firemne-autoochrani-vas-poistenie-zodpovednosti-za-skodu\/"},"wordCount":1256,"publisher":{"@id":"https:\/\/www.fingo.sk\/blog\/#organization"},"keywords":["Poistenie dom\u00e1cnosti","Poistenie majetku","Poistenie nehnute\u013enosti","poistenie zodpovednosti"],"articleSection":["Poistenie majetku"],"inLanguage":"sk-SK"},{"@type":"WebPage","@id":"https:\/\/www.fingo.sk\/blog\/vytopeni-susedia-ci-naburane-firemne-autoochrani-vas-poistenie-zodpovednosti-za-skodu\/","url":"https:\/\/www.fingo.sk\/blog\/vytopeni-susedia-ci-naburane-firemne-autoochrani-vas-poistenie-zodpovednosti-za-skodu\/","name":"Poistenie zodpovednosti za \u0161kodu kryje aj deti a zvierat\u00e1- FinGO.sk","isPartOf":{"@id":"https:\/\/www.fingo.sk\/blog\/#website"},"datePublished":"2025-02-19T12:37:05+00:00","dateModified":"2025-02-19T12:39:46+00:00","description":"Rozbit\u00e9 okno, vytopen\u00fd sused \u010di dopravn\u00e1 nehoda sp\u00f4soben\u00e1 psom? Poistenie zodpovednosti za \u0161kodu v\u00e1s ochr\u00e1ni pred ne\u010dakan\u00fdmi v\u00fddavkami.","breadcrumb":{"@id":"https:\/\/www.fingo.sk\/blog\/vytopeni-susedia-ci-naburane-firemne-autoochrani-vas-poistenie-zodpovednosti-za-skodu\/#breadcrumb"},"inLanguage":"sk-SK","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.fingo.sk\/blog\/vytopeni-susedia-ci-naburane-firemne-autoochrani-vas-poistenie-zodpovednosti-za-skodu\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.fingo.sk\/blog\/vytopeni-susedia-ci-naburane-firemne-autoochrani-vas-poistenie-zodpovednosti-za-skodu\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Blog","item":"https:\/\/www.fingo.sk\/blog\/"},{"@type":"ListItem","position":2,"name":"Poistenie majetku","item":"https:\/\/www.fingo.sk\/blog\/category\/poistenie-majetku\/"},{"@type":"ListItem","position":3,"name":"Vytopen\u00ed susedia \u010di nab\u00faran\u00e9 firemn\u00e9 auto? Ochr\u00e1ni v\u00e1s poistenie zodpovednosti za \u0161kodu"}]},{"@type":"WebSite","@id":"https:\/\/www.fingo.sk\/blog\/#website","url":"https:\/\/www.fingo.sk\/blog\/","name":"FinGO.sk","description":"","publisher":{"@id":"https:\/\/www.fingo.sk\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.fingo.sk\/blog\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"sk-SK"},{"@type":"Organization","@id":"https:\/\/www.fingo.sk\/blog\/#organization","name":"FINGO.SK s. r. o.","url":"https:\/\/www.fingo.sk\/blog\/","logo":{"@type":"ImageObject","inLanguage":"sk-SK","@id":"https:\/\/www.fingo.sk\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2018\/06\/ryba-s-bielym.png","contentUrl":"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2018\/06\/ryba-s-bielym.png","width":983,"height":1000,"caption":"FINGO.SK s. r. o."},"image":{"@id":"https:\/\/www.fingo.sk\/blog\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/www.fingo.sk\/blog\/#\/schema\/person\/6cd0d5bd48b1be52f3486f039fd1ebdf","name":"Juliana Arvaiov\u00e1","image":{"@type":"ImageObject","inLanguage":"sk-SK","@id":"https:\/\/www.fingo.sk\/blog\/#\/schema\/person\/image\/","url":"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2024\/10\/Juliana-Arvaiova_Specialistka-na-nezivotne-poistenie-scaled-96x96.jpg","contentUrl":"https:\/\/www.fingo.sk\/blog\/wp-content\/uploads\/2024\/10\/Juliana-Arvaiova_Specialistka-na-nezivotne-poistenie-scaled-96x96.jpg","caption":"Juliana Arvaiov\u00e1"},"description":"V minulosti pracovala v banke ako osobn\u00e1 bank\u00e1rka a p\u00f4sobila tie\u017e v pois\u0165ovni v oblasti spr\u00e1vy poistenia. Vo FinGO.sk je riadite\u013ekou pre ne\u017eivotn\u00e9 poistenie. Miluje les, kvety, divadlo, filmov\u00e9 dr\u00e1my a hudbu. U\u017e takmer 23 rokov akt\u00edvne spieva.","url":"https:\/\/www.fingo.sk\/blog\/author\/juliana-arvaiova\/"}]}},"_links":{"self":[{"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/posts\/9861"}],"collection":[{"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/users\/58"}],"replies":[{"embeddable":true,"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/comments?post=9861"}],"version-history":[{"count":15,"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/posts\/9861\/revisions"}],"predecessor-version":[{"id":9893,"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/posts\/9861\/revisions\/9893"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/media\/9883"}],"wp:attachment":[{"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/media?parent=9861"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/categories?post=9861"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.fingo.sk\/blog\/wp-json\/wp\/v2\/tags?post=9861"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}