Accident insurance of individuals

Accident insurance provides insurance protection with unlimited territorial validity. To be insurance at work, in the free time, in sports and traveling, Insurance can be arranged according to your needs.

Advantages of individual accident insurance:

• can be arranged for children and adults,
• unlimited territorial validity,
• choice of insurance coverage according to current needs,
• insurance protection for the whole 24 h, or. Only at work.

Who can be insured:

• children and adults.

You can insure to:

• accidental death,
• permanent disability,
• time required to treat an injury resulting from bodily injury resulting from an accident or daily allowance (You can not negotiate simultaneously).

Group accident insurance

For groups of people with common interests, working groups, pupils of schools and kindergartens - for you and many others is determined by a group accident insurance.

Advantages of group accident insurance:

• unlimited territorial validity,
• choice of insurance coverage according to current needs,
• insurance protection for the whole 24 h, or. Only at work, school or other activities,
• insurance protection for up to 1 year as long-term insurance.

Who can be insured:

• working groups,
• pupils of schools and kindergartens,
• Members of Professional Associations (sports clubs, leisure associations, etc.),
• specific groups of people (participants in summer camps, curative stays, sports camps).

You can insure to:

• accidental death,
• permanent disability,
• time required to treat an injury resulting from bodily injury resulting from an accident or daily allowance (You can not negotiate simultaneously).

Accident insurance of persons transported by motor vehicle

Accident insurance of persons transported by motor vehicle protects the health and life of the driver and other persons in the vehicle.

benefits:

• can be arranged independently on accident insurance,
• insurance protection applies to all persons transported in the vehicle - including the driver,
• Insurance according to the number of seats in TP.

Who can be insured:

• Driver and all persons transported by motor vehicle

You can insure to:

• accidental death,
• permanent disability,
• time required to treat an injury resulting from bodily injury resulting from an accident.

Travel insurance abroad

Travel insurance will provide quality health care during your travels outside the Czech Republic. Stay abroad can live without undue stress.

Benefits of travel insurance abroad:

• insurance protection for a short or long stay
• insurance protection can be arranged for tourist and business trips
• discounts for group contracts
• discount for VZP
• assistance service
• Insurance dangerous or extreme kinds of sports
• pojštění sports competitions and professional sports
• affordable insurance for repeated trips and stay abroad during 365 days

Who can be insured:

• individuals, families and group travelers

insurance covers:

• medical expenses
• accident insurance
• Insurance of personal belongings
• insurance
• trip cancellation insurance
• Insurance intervention mountain rescue

Travel Insurance in the Czech Republic

During his travels and stay at home, you can use the insurance protection of travel insurance. Domestic holiday enjoy with confidence.

Benefits of travel insurance in the Czech Republic:

• insurance protection for a short stay,
• insurance protection can be arranged for tourist and business trips,
• discounts for group contracts,
• discount for VZP,
• assistance service,
• Insurance dangerous or extreme sports,
• Insurance sporting competitions and professional sports.

Who can be insured:

• individuals, families and group travelers.

insurance covers:

• accident insurance,
• Insurance of personal belongings,
• insurance,
• trip cancellation insurance.

Insurance houses and buildings

Protect your home is among the most basic human needs. Insurance of buildings not only protect your house or apartment, but also ancillary buildings, accessory apartment or cottage or cottage.

Insurance can be arranged on the property located in the Czech Republic:

• Any buildings in private ownership (family houses, recreational facilities, residential houses, garage, greenhouses, pools, etc.),
• Two privately owned and thus related commercial space in the building,
• accessory buildings (plot, well, septic, etc.) It is automatically insured with the building,
• uncompleted buildings, building material, which has become part of the construction and small construction machinery, which is located at the construction site,
• building material used for maintenance of the insured object.

Household insurance

Household insurance significantly reduce financial losses, that may arise to house equipment, apartment or family recreation facilities spree by accident or natural or criminals.

Insurance household items - furniture, carpet, appliances, sports equipment, clothing, paintings, valuables etc.. Home insurance can be arranged as a separate insurance or property insurance along with.

Basic insurance covers:

forming a set of things Appliances, (ie. movables owned by the Insured, which form a single household equipment and to the operation of the household), Located in the insurance location, in a flat or a family house frequently accessed insured and members of the household. The insurance also covers things, which became part of the household after contract,

• movables in the garage at a different address than that of the household,
• things, which belong to the insured and members of his household, or if rightly used, but include the other person,
• animals, which are the property of the insured and household members, It located in the place of insurance and is not used for employment,
• building elements and components of an apartment building, which the insured provably bought at his own expense (Limited compensation limit).

Furthermore it can additional insurance:

• apartment building components and parts adjacent rooms - damage to building components, which the insured provably bought at his own expense (of limited benefit limit),
• assets placed in the accessory apartment - this is a room on the insurance location, which are not part of the apartment, which insured uses, but they were put into use insured along with the apartment and are used exclusively by the insured,
• electronics insurance beyond the basic insurance.

Liability insurance in ordinary civil life

Liability insurance in ordinary civil life protects people cohabiting against the financial consequences of the damage caused unintentionally.

It covers the liability of the insured, possibly spolupojištěných, for damage caused to a third party of its activities in the life of a citizen of the Czech Republic.

For this product is clearly excluded liability for damages incurred in the course of work and from business relationships or activities of any kind.

The insurance also covers:

• husband, companion of the insured and their minor children and adoptive to age 26 years if not completed vocational training,
• to individuals, whom the Insured entrusted apartment, care of animals in his absence,
• per person, who regularly takes care of the household.

The insurance applies to liability for damages:

• in ordinary civil life,
• the operation of the household,
• When operating recreational sports,
• while biking,
• when dealing with legally held firearms,
• in activities related to the breeding of domestic animals and breeding of small livestock held for own use or consumption.

Liability insurance for damage arising out of the ownership structures

Property ownership does not entail just the joy of their own housing or recreation opportunities in their own cottage or, but it also means to bear responsibility for damages, Property that may arise.

Insurance covers damage:

• caused by a third party arising from property, possession or lease of the property specified in the insurance policy and ancillary buildings, land, pavements, enclosing walls and fences belonging to them,
• caused by trees growing on insured plots,
• resulting from cleaning, maintenance, construction or demolition work on the property.

Insurance is the only place specified in the contract, which may be the territory of the Czech Republic.

Insurance does not cover:

• the damage, for which the insured is responsible to her husband or a relative in the direct line or persons, that they live in the same household,
• the responsibility of the contractors work.

Liability insurance for damages caused by a dog, horse

Horse or dog ownership brings to life a lot of joy and pleasant experiences. Any responsible breeder, however, knows, the behavior and reactions of the animal can be unpredictable and can cause damage, under the responsibility of the owner.

Insurance covers:

• on liability for damage caused by a dog or a horse to a third party, under the responsibility of the owner or animal Depositary,
• per person, which was a dog or a horse, entrusted to custody.

Covers the damages caused in the Czech Republic.

Insurance can be arranged separately, or as part of household insurance.

Insurance staff

The job can easily result in damage to equipment or workplace service vehicle, to the detriment, which the employee is obliged to pay and which he subsequently deducted from wages. A suitable solution to this situation is the workers' compensation insurance.

Insurance covers:

• the general responsibility of the insured (employee) for damage caused to the employer culpable misconduct in the performance of work tasks in an employment or service relationship,
• liability for damage incurred in the operation of volunteer firefighters,
• only material damage, ie. damage to things.

Insurance may be taken in effect in the Czech Republic or Europe.

car insurance

Owners of motor vehicle insurance offer, to ensure that only legally required liability insurance for damage caused by vehicles, but also cover damage, which may arise in normal operation and outside.

Car insurance use vyšichni, Thus, the owners of private vehicles, and operators of fleets of company vehicles, representatives of non-profit organizations or local or municipal authorities.

building insurance

Insurance of buildings and other immovable property belonging to the base business insurance - loss or serious damage to company property because not only can mean the loss of investment, but also a significant reduction or interruption of business activities.

The insurance is arranged for real estate in the Czech Republic and covers the:

• Buildings, owned by the insured or the works, that are not owned by the Insured, but rightly used.
• It is also possible to insure:
  • minor works or simple buildings,
  • small buildings, or a group of files and structures, which has not been assigned descriptive or registration number,
  • perennial crops, terrain work, External antenna systems or consoles or other electrical lines installed in the insured building.

You can insure to:

• Basic insurance against natural disasters:
  • fire,
  • explosion,
  • direct lightning strike,
  • impact or plane crash or other similar machines, or its part or cargo.
• Composite insurance against natural disasters:
  • fire,
  • explosion,
  • direct lightning strike,
  • impact or plane crash or other similar machines, or its part or cargo,
  • whirlwind,
  • hail,
  • landslide avalanches,
  • collapse of rocks or soils,
  • weight of snow or ice,
  • Fall tree or pole,
  • impact of road vehicles,
  • water or heating medium flowing out of the water facility,
  • flood and flood,
  • the offender's conduct for the purpose of theft of insured objects.

Additional insurance:

• whirlwind,
• hail,
• earthquake,
• collapse of rocks or soils,
• landslide avalanches,
• weight of snow or ice,
• flood and flood,
• Fall tree or pole,
• impact of road vehicles,
• water or heating medium flowing out of the water facility,
• alienation; the right to indemnity arises:
  • in case of theft or loss of the insured object, which occurred in direct connection with the natural disaster,
  • in burglary.

insurance options, maybe insurance

insurance glasses

Windowpanes, fixedly mounted or planted in the outer peripheral wall of the building or on the glass výlohová, which are part of the building envelope and expenses, etc..

Insurance of movable property

Movable property insurance is insurance, whose aim is to protect the assets intended for business against risks, which would otherwise have a material impact on financial stability and uptime Companies. This insurance can be variably adjusted, to provide adequate and effective protection for all kinds of business.

Underwrites a set of movables, or listed movables, which at the time of insurance in working condition.

Insurance covers things, owned by the insured, or things, that are not owned by the Insured, which is not insured after the law treats:

• things running, manufacturing and commercial nature,
• hots and developed products and supplies,
• valuables,
• items of special value,
• production and operational documentation,
• Designs, models and prototypes.

You can insure to:

• Basic insurance against natural disasters:
  • fire,
  • explosion,
  • direct lightning strike,
  • impact or plane crash or other similar machines, or its part or cargo.
• Composite insurance against natural disasters:
  • fire,
  • explosion,
  • direct lightning strike,
  • impact or plane crash or other similar machines, or its part or cargo,
  • whirlwind,
  • hail,
  • landslide avalanches,
  • collapse of rocks or soils,
  • weight of snow or ice,
  • Fall tree or pole,
  • impact of road vehicles,
  • water or heating medium flowing out of the water facility,
  • flood and flood,
  • the offender's conduct for the purpose of theft of insured objects.

Additional insurance:

• whirlwind,
• hail,
• earthquake,
• collapse of rocks or soils,
• landslide avalanches,
• weight of snow or ice,
• flood and flood,
• Fall tree or pole,
• impact of road vehicles,
• water or heating medium flowing out of the water facility,alienation; the right to indemnity arises:
  • in case of theft or loss of the insured object, which occurred in direct connection with the natural disaster,
  • in burglary.

insurance options, maybe insurance:

Insurance of machinery and electronics

Electronic equipment or machinery and equipment, including accessories.

Business interruption insurance

The insurance covers the loss of unrealized gain on sale of products, goods, provided services or other commercial activities and ongoing costs of operation of the insured, that the insured must incur during the service interruption.

• Fire service interruption
• Machine downtime

insurance exhibition

Insurance concerns claims, which occur during the exhibition to exhibits or movables, which serves to ensure immediate Exhibition.

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transportation insurance

Transportation of cargo is now a permanent part of the vast majority of business activities. Transport insurance covers risks, which carriers are exhibiting either by the ever-increasing traffic, bad weather or criminal behavior.

Insurance, road freight

You can insure things, which are at the expense of the insured transported by motor vehicles agreed person (carrier) or vehicles, which the insured owns or lawfully uses.

The insurance covers They can be custom movables, or foreign things used or taken.

basic insurance covers damages caused by cargo damage or destruction by fire, explosion, lightning, hail, falling trees or poles.

Additional insurance can be closed to damage or destruction of the goods transported in a car accident, damage caused by theft in causal connection with a traffic accident and stolen goods burglary or robbery during transportation.

Insurance can be arranged for a single shipment or several shipments made during the insurance period.

Insurance of valuables and things of special value when transporting messenger

Insurance can be arranged for valuables and items of special value, held in the accounts and accounting records of the insured, which are transported in safety or carrier as specified in the insurance contract.

The insurance covers damage caused by burglary, robbery and embezzlement. Insurance can be arranged for a single shipment or all shipments made during the insurance period.

agricultural insurance

agricultural production, whether operated by large companies or farmers is slightly risky activities more than others depending on the whims of the weather. Especially for farmers is therefore prepared agricultural insurance, which covers not only damage to crops, animals and crops, but also to movable and immovable property and, of course, liable for damages resulting from business.

Insurance of agricultural crops

Insurance can be arranged agricultural crops, which are owned by the insured and the species specified in the list, which is attached to every insurance contract.

basic insurance refers to damage or destruction of crops by hail and fire.

Additional insurance can be closed to damage or destroy crops Floods, or spring frost, vyzimováním, or breakages and damage due to windstorms.

The insurance covers cereals may be, luskoviny, okopaniny, fruit, olejniny, fodder, medicinal plants, consumerist vegetables…

Livestock insurance

Insurance can be arranged to livestock, which are owned by the insured and the species specified in the list, which is attached to every insurance contract.

basic insurance applies in the case of diseases listed by the various livestock species. The insurance applies to emergency slaughter, death, sacrifice or slaughter of the animal insured ordered by a state veterinary care at the renowned focus of infection due to illness, or suspected disease is very dangerous or dangerous infection.

Additional insurance can be concluded for insurance against natural disasters, death of the animal due to overheating of the body, electrocution or as a result of power failure. Horses can be insurance for abortion or killing the horses due to infectious diseases, injury or acquired NCDs.

The insurance covers They may be horses and livestock such as sheep, pigs, skot, goats and poultry.

We can arrange insurance and other animals, above unnamed, or breeding animals individually specified in the contract.

Insurance forest

Insurance can be arranged on forest cover, located in the place of insurance. The insurance covers are building, grounds, terrain work.

basic insurance applies in the event of destruction of the forest fire.

Additional insurance can be closed to additional natural hazards blast, direct lightning strike, impact or crash of crew controlled flying body, its parts or cargo, storm, hail, collapse of rocks or soils, if it did not happen due to human activity, weight of snow, icing, floods or flood.

In addition to these purely agricultural insurance also insure:

• Agricultural machines and mechanisms - as mechanical damage, thus, damage, which limit or exclude their functionality, or damage caused by fire, the theft or damage of unknown offender
• Tractors, combines and trucks - accident insurance, Car insurance, or mechanical damage cases, when harvesters and tractors at the time the damage used as working machines
• other animals – livestock insurance individually imported from abroad, example, ostriches, snakes
• Buildings, buildings, chimneys, fence - natural hazards such as insurance, or damage to the unknown offender
• movables, computing, machinery - natural hazards such as insurance, the theft or damage of unknown offender
• Liability for damages from operating activities - it is a damage, which insured the course of its business to another cause. The insurance covers damage caused to health or property of a third party, and possibly monetary damages.

The insurance applies to liability for damage, which occurred in the Czech Republic and on liability, which was insured in the Czech Republic. Territorial scope can be extended to the EU and the world.

Basic insurance covers:

general responsibility (including operational), Insured caused by other activities or their relationship specified in the insurance contract,

liability for damages arising out of the ownership or lease of real property management structures and their parts and accessories, specified in the insurance contract.

Additional insurance can be agreed on responsibility:

• for damage arising from the ownership of movables, specified in the insurance contract
• for damage to property, that are not owned by the Insured, but insured rightly used for operating activities
• for damage to things, to which the insured took their power from other persons on the basis of a contract for processing, repairs, sales, custody, storage, provide technical assistance or to fulfill another commitment
• for damage to things brought in, if responsible for such damage pursuant to § 433 a § 434 civil Code
• costs incurred for health insurance for health care for the benefit of another individual
• for the financial damage
• for product liability
• employer for damage caused by employees, covered:
  • to cover damages arising employees, which occurred in the performance or in direct connection with the performance of work tasks, ie.:
    • if they occurred breach of legal obligations of the employer and the insured is responsible for this damage
    • if there was damage to property staff, which postponed the discharge of their duties, a place to set out
  • there was damage to property, accepted by the insured from employees in special custody
  • if the employee suffered material damage while averting the danger imminent insured
  • to cover the costs incurred by health insurance on health care for employees, if its bodily harm arose as a result of culpable misconduct, in labor relations or in direct connection with it and the insured is responsible for this damage

Insurance board members of companies and cooperatives

By law, the members of the boards of companies and cooperatives responsible for damages, which cause, albeit not liable breach of its obligations in the performance of functions. Insurance board members is an effective tool, how it can protect a statutory body in relation to the risks of exercising their activities in society.

The insured person is a natural person, who at the time a member of the statutory body of insurance policyholder.

insurance covers:

• liability for damage caused by a body other than the policyholder breach of the obligations arising from their function,
• payment of performance even if, the policyholder for reasons of insolvency can not compensate for the damage and the injured party has the right to claim damages for the board member due to his liability under § 194 paragraph. 6. Commercial Code,. 513/1991 sb., as amended by subsequent legislation.),
• requires the company to pay damages to a third party due to the breach of the obligation of the insured arising out of its position in the body of the policyholder, assuming, that was conducted against legal proceedings and in the proceedings was the responsibility of the insured clearly identified and the policyholder has exercised a right to damages against the insured.