[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.kdyakam.cz\/pojisteni-podnikatelu-a-jeho-druhy\/#Article","mainEntityOfPage":"https:\/\/www.kdyakam.cz\/pojisteni-podnikatelu-a-jeho-druhy\/","headline":"Poji\u0161t\u011bn\u00ed podnikatel\u016f a jeho druhy","name":"Poji\u0161t\u011bn\u00ed podnikatel\u016f a jeho druhy","description":"Pokud m\u00e1te v \u00famyslu za\u010d\u00edt podnikat, je dobr\u00e9 si nejd\u0159\u00edve promyslet v\u0161echny mo\u017en\u00e9 komplikace, kter\u00e9 m\u016f\u017eou b\u011bhem va\u0161\u00ed cesty za […]","datePublished":"2021-09-21","dateModified":"2023-05-24","author":{"@type":"Person","@id":"https:\/\/www.kdyakam.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.kdyakam.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/f14f9548cfce1bfc4b3267434069a757db9568e455121a8852ede019c83b3b5e?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/f14f9548cfce1bfc4b3267434069a757db9568e455121a8852ede019c83b3b5e?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"kdyakam.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.kdyakam.cz\/wp-content\/uploads\/bal%C3%AD%C4%8Dek%20pen%C4%9Bz_10_5.jpg","url":"https:\/\/www.kdyakam.cz\/wp-content\/uploads\/bal%C3%AD%C4%8Dek%20pen%C4%9Bz_10_5.jpg","height":0,"width":0},"url":"https:\/\/www.kdyakam.cz\/pojisteni-podnikatelu-a-jeho-druhy\/","about":["Pen\u00edze"],"wordCount":496,"articleBody":"Pokud m\u00e1te v \u00famyslu za\u010d\u00edt podnikat, je dobr\u00e9 si nejd\u0159\u00edve promyslet v\u0161echny mo\u017en\u00e9 komplikace, kter\u00e9 m\u016f\u017eou b\u011bhem va\u0161\u00ed cesty za lep\u0161\u00edm \u017eivotem nastat. T\u011bchto situac\u00ed m\u016f\u017ee b\u00fdt opravdu mnoho, z\u00e1le\u017e\u00ed, do jak\u00e9 oblasti byznysu se pono\u0159\u00edte. Ka\u017edop\u00e1dn\u011b by ka\u017ed\u00fd podnikatel m\u011bl b\u00fdt poji\u0161t\u011bn\u00fd na r\u016fzn\u00e1 rizika, kter\u00e1 m\u016f\u017eou nastat. Spole\u010dn\u011b se te\u010f pod\u00edv\u00e1me na p\u00e1r poji\u0161t\u011bn\u00ed, kter\u00e9 by v\u00e1s mohli u\u0161et\u0159it od zna\u010dn\u00fdch finan\u010dn\u00edch v\u00fddaj\u016f.\u00a0\u017diveln\u00ed poji\u0161t\u011bn\u00ed\u00a0Tento druh poji\u0161t\u011bn\u00ed mohou vyu\u017e\u00edt nap\u0159\u00edklad podnikatel\u00e9, kte\u0159\u00ed maj\u00ed r\u016fzn\u00e9 sklady, d\u00edlny, \u010di budovy, kter\u00e9 mohou b\u00fdt v d\u016fsledku \u017eiveln\u00fdch katastrof po\u0161kozeny nebo dokonce zni\u010deny. Nap\u0159\u00edklad, pokud byste byli podnikatel\u00e9, kte\u0159\u00ed vlastn\u00ed sklad s n\u011bjak\u00fdm zbo\u017e\u00edm a celou budovu by zatopila prudk\u00e1 povode\u0148, nebyla by to \u00fapln\u011b p\u0159\u00edjemn\u00e1 situace pro v\u00e1\u0161 bankovn\u00ed \u00fa\u010det. V tomto p\u0159\u00edpad\u011b byste takov\u00e9 poji\u0161t\u011bn\u00ed pr\u00e1v\u011b mohli vyu\u017e\u00edt, poji\u0161\u0165ovna by v\u00e1m proplatila hodnotu zni\u010den\u00e9ho zbo\u017e\u00ed.\u00a0Poji\u0161t\u011bn\u00ed p\u0159eru\u0161en\u00ed provozu\u00a0Tohle poji\u0161t\u011bn\u00ed bychom mohli vyu\u017e\u00edt nap\u0159\u00edklad v p\u0159\u00edpad\u011b, \u017ee by se n\u00e1m po\u0161kodil n\u011bjak\u00fd v\u00fdrobn\u00ed stroj, kv\u016fli kter\u00e9mu bychom museli zastavit v\u00fdrobu, a tud\u00ed\u017e logicky pozdr\u017eet i zisk. Zam\u011bstnance ka\u017edop\u00e1dn\u011b mus\u00edme propl\u00e1cet bez ohledu na to, jestli stroje jedou \u010di ne, pokud maj\u00ed pevn\u011b stanovenou mzdu. Pen\u00edze od poji\u0161\u0165ovny m\u016f\u017eeme vyu\u017e\u00edt t\u0159eba pr\u00e1v\u011b na to, abychom dorovnali ztr\u00e1tu zisku, kter\u00e1 kv\u016fli nefunk\u010dnosti vznikla.\u00a0Poji\u0161t\u011bn\u00ed proti odcizen\u00ed\u00a0Jak ji\u017e z n\u00e1zvu\u00a0vypl\u00fdv\u00e1, jedn\u00e1 se o poji\u0161t\u011bn\u00ed, kter\u00e9 n\u00e1s \u201cchr\u00e1n\u00ed\u201d proti finan\u010dn\u00ed ztr\u00e1t\u011b v p\u0159\u00edpad\u011b, \u017ee by n\u00e1s n\u011bkdo okradl. T\u00fdk\u00e1 se to v\u0161ech typ\u016f okraden\u00ed. Nap\u0159\u00edklad pokud by n\u00e1m bylo odcizeno ur\u010dit\u00e9 mno\u017estv\u00ed zbo\u017e\u00ed ze skladu, byla by vy\u010d\u00edslena jeho hodnota bu\u010f vlastn\u00edmi n\u00e1klady nebo po\u0159izovac\u00ed cenou a poji\u0161\u0165ovna by n\u00e1m hradila za vznikl\u00e9 \u0161kody.\u00a0Poji\u0161t\u011bn\u00ed proti vandalismu\u00a0Tento typ poji\u0161t\u011bn\u00ed v\u00e1m je z n\u00e1zvu asi jasn\u00fd, ka\u017edop\u00e1dn\u011b i vandalismus v\u00e1m na va\u0161em bankovn\u00edm \u00fa\u010dtu m\u016f\u017ee zna\u010dn\u011b zava\u0159it. Pokud si na va\u0161\u00ed firemn\u00ed budovu nech\u00e1te nap\u0159\u00edklad ud\u011blat \u00fapln\u011b novou fas\u00e1du a druh\u00fd den ji m\u00e1te celou zni\u010denou od sprej\u016f, rozhodn\u011b to nen\u00ed nic p\u0159\u00edjemn\u00e9ho a oprava takov\u00e9 v\u011bci se pohybuje v hodn\u011b vysok\u00fdch \u010d\u00e1stk\u00e1ch. M\u016f\u017ee se to vztahovat ale tak\u00e9 nap\u0159\u00edklad na rozbit\u00e1 okna, pokud by v\u00e1m n\u011bjak\u00fd dobr\u00e1k prohodil p\u00e1r kamen\u016f skrz n\u011bkolik oken.\u00a0                                                                                                                                                                                                                                                                                                                                                                                        4.7\/5 - (6 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Poji\u0161t\u011bn\u00ed podnikatel\u016f a jeho druhy","item":"https:\/\/www.kdyakam.cz\/pojisteni-podnikatelu-a-jeho-druhy\/#breadcrumbitem"}]}]