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Citizens’ Insurance
PVZP0804 kategorie – odpovednost2

Insurance for damage incurred by the employer

Employee liability

Are you an employee and you’re worried you may damage or lose your employer’s property? Insure yourself against mistakes and leave the worrying to us.

Benefits

Benefit for a harmless course
Possibility to arrange insurance for other family members as well
Discount for VZP insured persons
About insurance Coverage Example Scope of insurance Benefits Discount Useful links How is the insurance arranged? Counseling

What is employee liability insurance?

Employee liability insurance for damages caused by the employer in a contractual relationship:

  • Employment contract (including service contract)
  • Employment agreement
  • Agreement for the performance of work

What does employee liability insurance cover?

  • The employer’s items damaged by you as an employee
  • Damages incurred in connection with the use of a company car for private purposes
  • Damages incurred in the Czech Republic, Europe or around the world (you can choose)
  • Loss of entrusted items up to a limit of CZK 50,000 without the need for supplementary insurance (telephone, computer, work equipment, etc.)

Careless employee

An employee causes a fire at his workplace as a result of his carelessness. The amount of damage in these cases is usually very high. Even in this case, the employer can demand compensation from the employee up to 4.5 times the gross monthly earnings of the employee.

Examples from life

What range can you choose from?

  • insurance for up to five people with different coverage ranges in one insurance contract
  • three variants according to the risk related to driving/operating means of transport or work machines
  1. The insurance also applies to damages in connection with the driving of means of transport or the operation of work machines (e.g. excavator, crane, loader, forklift). In the event of damage to a motorcycle, passenger car, truck, tractor or bus, the insurance applies only to the co-payment from the accident/machinery insurance.
    Co-payment: CZK 10,000, CZK 0 in case of co-payment from accident/machine insurance
  2. The insurance also covers damages incurred in connection with the driving of a motorcycle, passenger car, truck, tractor and bus, but only to the deductible from accident/machinery insurance.
    Co-payment: CZK 1,000, CZK 0 in case of co-payment from accident/machine insurance
  3. The insurance does not cover damages in connection with driving/operating means of transport or operating work machines.
    Co-payment: CZK 1,000, CZK 0 in the case of co-payment from business insurance

What benefits will you get?

  • No-claim benefit – if no insurance claims are made for three years of the insurance period, you will not pay the co-insurance that you chose when you took out the policy in the event of an insured event. In other words, if an insured event occurs after three years of no claims, we will pay for the whole damage, even though you have chosen a deductible, e.g. CZK 1,000 (you will not pay the arranged deductible in the event of damage)
  • High insurance protection at a low price – up to a limit of CZK 500,000.
  • The option to choose the amount of insurance coverage limits
  • The option to take out insurance for other family members as well – for up to five people with different coverage ranges

Do you want a discount?

30%

discount
for VZP insured persons

discount

at the annual frequency of payments

discount

in electronic communication

and other trade discounts

How to arrange employee liability insurance?

Household insurance can be arranged at the sales outlets of Pojišt’ovna VZP, a. s., at selected intermediaries or via e-mail.

info@pvzp.cz

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+420 233 006 311
info@pvzp.cz
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