{"id":42270,"date":"2026-03-17T17:15:51","date_gmt":"2026-03-17T16:15:51","guid":{"rendered":"https:\/\/www.derivaty.sk\/?p=42270"},"modified":"2026-03-17T17:15:51","modified_gmt":"2026-03-17T16:15:51","slug":"manazerske-poistenie-poistenie-zodpovednosti-do-kedy-a-preco-je-nevyhnutne","status":"publish","type":"post","link":"https:\/\/www.vrtulniky.sk\/news\/manazerske-poistenie-poistenie-zodpovednosti-do-kedy-a-preco-je-nevyhnutne\/","title":{"rendered":"Mana\u017e\u00e9rske poistenie: Poistenie zodpovednosti (D&#038;O) \u2013 Kedy a pre\u010do je nevyhnutn\u00e9"},"content":{"rendered":"<h2>Poistenie zodpovednosti mana\u017ementu (D&amp;O): \u00fa\u010del, rozsah a miesto v riaden\u00ed riz\u00edk<\/h2>\n<p>Poistenie zodpovednosti \u010dlenov org\u00e1nov spolo\u010dnosti (D&amp;O \u2013 Directors &amp; Officers) chr\u00e1ni <strong>osobn\u00fd majetok mana\u017e\u00e9rov a \u010dlenov \u0161tatut\u00e1rnych, dozorn\u00fdch \u010di poradn\u00fdch org\u00e1nov<\/strong> pred n\u00e1rokmi vypl\u00fdvaj\u00facimi z <em>pochyben\u00ed pri v\u00fdkone funkcie<\/em>. Ide o k\u013e\u00fa\u010dov\u00fd prvok firemn\u00e9ho risk mana\u017ementu, ktor\u00fd dop\u013a\u0148a intern\u00e9 pravidl\u00e1 spr\u00e1vy a riadenia (governance), compliance a zmluvn\u00e9 od\u0161kodnenie mana\u017e\u00e9rov (indemnifik\u00e1ciu). Zmyslom D&amp;O je vytvori\u0165 <strong>finan\u010dn\u00fd \u0161t\u00edt<\/strong> pre pr\u00edpady, ke\u010f sa mana\u017e\u00e9r dostane do sporu kv\u00f4li rozhodnutiu alebo opomenutiu pri riaden\u00ed spolo\u010dnosti.<\/p>\n<h2>Pre\u010do D&amp;O: mapa riz\u00edk, ktor\u00e9 zasahuj\u00fa mana\u017e\u00e9rov osobne<\/h2>\n<ul>\n<li><strong>\u0160koda tret\u00edm osob\u00e1m a akcion\u00e1rom<\/strong>: napr. tvrdenie o nespr\u00e1vnom rozhodnut\u00ed, ktor\u00e9 viedlo k finan\u010dnej strate, poklesu hodnoty podielu alebo poru\u0161eniu informa\u010dn\u00fdch povinnost\u00ed.<\/li>\n<li><strong>Regula\u010dn\u00e9 konania<\/strong>: vy\u0161etrovania a konania doh\u013eadu (s\u00fa\u0165a\u017en\u00e9 pr\u00e1vo, kapit\u00e1lov\u00fd trh, ochrana spotrebite\u013ea, ochrana osobn\u00fdch \u00fadajov) \u2013 D&amp;O \u010dasto kryje <em>obrann\u00e9 n\u00e1klady<\/em>.<\/li>\n<li><strong>Insolvencia<\/strong>: veritelia a insolven\u010dn\u00ed spr\u00e1vcovia uplat\u0148uj\u00fa n\u00e1roky vo\u010di b\u00fdval\u00e9mu veden\u00edu (oneskoren\u00e9 podanie n\u00e1vrhu, preferen\u010dn\u00e9 platby, poru\u0161enie povinnost\u00ed starostlivosti).<\/li>\n<li><strong>Transak\u010dn\u00e9 rizik\u00e1<\/strong>: M&amp;A, IPO, predaj akt\u00edv, reorganiz\u00e1cie \u2013 spory z prospektov, vyjedn\u00e1vacej taktiky \u010di zatajovania inform\u00e1ci\u00ed.<\/li>\n<li><strong>ESG a kyber<\/strong>: obvinenia zo \u201ezav\u00e1dzania\u201c v oblasti udr\u017eate\u013enosti (greenwashing), kybernetick\u00e9 incidenty a neadekv\u00e1tna pr\u00edprava alebo reakcia na incident.<\/li>\n<\/ul>\n<h2>Kto D&amp;O potrebuje: nielen \u201eve\u013ek\u00e9\u201c a \u201everejne obchodovan\u00e9\u201c firmy<\/h2>\n<ul>\n<li><strong>Stredn\u00e9 a men\u0161ie podniky (SME)<\/strong>: riziko sporov od investorov, partnerov, b\u00e1nk \u010di zamestnancov. Obmedzen\u00e9 rozpo\u010dty na pr\u00e1vnu obranu zvy\u0161uj\u00fa v\u00fdznam krytia n\u00e1kladov.<\/li>\n<li><strong>Startupy a scaleupy<\/strong>: dynamick\u00e9 prostredie, r\u00fdchle kol\u00e1 financovania a ambici\u00f3zne pl\u00e1ny = vy\u0161\u0161ia chybovos\u0165 a tlak stakeholderov. D&amp;O je \u010dasto podmienkou investora.<\/li>\n<li><strong>Rodinn\u00e9 podniky<\/strong>: konflikty akcion\u00e1rov, n\u00e1stupn\u00edctvo, transakcie s prepojen\u00fdmi osobami.<\/li>\n<li><strong>Neziskov\u00e9 organiz\u00e1cie a zdru\u017eenia<\/strong>: spr\u00e1va grantov, verejn\u00e9 prostriedky, reputa\u010dn\u00e9 spory \u2013 vedenie nesie osobn\u00fa zodpovednos\u0165.<\/li>\n<li><strong>Verejn\u00fd sektor a mestsk\u00e9 spolo\u010dnosti<\/strong>: mana\u017e\u00e9rske rozhodnutia pod zv\u00fd\u0161en\u00fdm doh\u013eadom verejnosti a regul\u00e1torov.<\/li>\n<\/ul>\n<h2>Ako D&amp;O funguje: princ\u00edp \u201eclaims-made\u201c a \u010dasov\u00e9 parametre<\/h2>\n<ul>\n<li><strong>Claims-made<\/strong>: poistka kryje <em>n\u00e1roky uplatnen\u00e9<\/em> po\u010das doby poistenia (alebo po\u010das dohodnut\u00e9ho \u201etailu\u201c), bez oh\u013eadu na d\u00e1tum konania, ak spad\u00e1 po <strong>retroakt\u00edvny d\u00e1tum<\/strong>.<\/li>\n<li><strong>Retroactive date<\/strong>: najstar\u0161\u00ed d\u00e1tum, od ktor\u00e9ho poistka akceptuje vznik poisten\u00fdch konan\u00ed\/opomenut\u00ed. \u010c\u00edm star\u0161\u00ed, t\u00fdm \u0161ir\u0161ie krytie historick\u00fdch udalost\u00ed.<\/li>\n<li><strong>Extended Reporting Period (ERP, \u201etail\u201c)<\/strong>: pred\u013a\u017een\u00e9 obdobie na nahl\u00e1senie n\u00e1rokov po ukon\u010den\u00ed poistenia (d\u00f4le\u017eit\u00e9 pri ukon\u010den\u00ed \u010dinnosti, predaji firmy, IPO alebo odchode mana\u017e\u00e9rov).<\/li>\n<li><strong>Run-off krytie<\/strong>: zafixovanie poistky pre <em>minul\u00e9 konania<\/em> po zmene vlastn\u00edka\/po f\u00fazii; be\u017en\u00e9 pri M&amp;A.<\/li>\n<\/ul>\n<h2>\u0160trukt\u00fara krytia: \u201eSide A \/ Side B \/ Side C\u201c<\/h2>\n<ul>\n<li><strong>Side A<\/strong> \u2013 <em>priame krytie mana\u017e\u00e9rov<\/em>: pois\u0165ovate\u013e hrad\u00ed n\u00e1klady a plnenia priamo \u010dlenom org\u00e1nov, ak spolo\u010dnos\u0165 nem\u00f4\u017ee (insolvencia, pr\u00e1vny z\u00e1kaz) alebo nechce od\u0161kodni\u0165.<\/li>\n<li><strong>Side B<\/strong> \u2013 <em>reimbursements<\/em>: pois\u0165ovate\u013e refunduje spolo\u010dnosti sumy, ktor\u00e9 t\u00e1 vyplatila za obranu\/od\u0161kodnenie mana\u017e\u00e9rov na z\u00e1klade indemnifik\u00e1cie.<\/li>\n<li><strong>Side C<\/strong> \u2013 <em>entity securities coverage<\/em>: krytie samotnej spolo\u010dnosti pri sporoch akcion\u00e1rov t\u00fdkaj\u00facich sa cenn\u00fdch papierov (typicky relevantn\u00e9 pre emitentov; mimo kapit\u00e1lov\u00e9ho trhu nie v\u017edy dostupn\u00e9 alebo potrebn\u00e9).<\/li>\n<\/ul>\n<h2>\u010co D&amp;O zvy\u010dajne kryje: typy n\u00e1rokov a n\u00e1kladov<\/h2>\n<ul>\n<li><strong>Obrann\u00e9 n\u00e1klady<\/strong>: pr\u00e1vne zast\u00fapenie, znaleck\u00e9 posudky, n\u00e1klady konania, mimos\u00fadne urovnania (pod\u013ea podmienok).<\/li>\n<li><strong>Od\u0161kodnenia<\/strong>: s\u00fadom priznan\u00e9 alebo dohodnut\u00e9 plnenia, ak nie s\u00fa z\u00e1konom vyl\u00fa\u010den\u00e9.<\/li>\n<li><strong>Vy\u0161etrovania a spr\u00e1vne konania<\/strong>: od f\u00e1zy \u201eofici\u00e1lneho ozn\u00e1menia\u201c do rozsahu definovan\u00e9ho poistkou (pozor na formul\u00e1cie).<\/li>\n<li><strong>ODL \u2013 Outside Directorship Liability<\/strong>: zodpovednos\u0165 za v\u00fdkon funkcie v extern\u00fdch org\u00e1noch (napr. dc\u00e9rske spolo\u010dnosti, nad\u00e1cie) \u2013 vy\u017eaduje menovit\u00fd zoznam.<\/li>\n<\/ul>\n<h2>Typick\u00e9 v\u00fdluky: kde D&amp;O nepom\u00f4\u017ee<\/h2>\n<ul>\n<li><strong>\u00damyseln\u00e9 protipr\u00e1vne konanie<\/strong>, obohatenie, podvod \u2013 zvy\u010dajne a\u017e po pr\u00e1voplatnom rozhodnut\u00ed (dovtedy \u010dasto plat\u00ed \u201eadvance defense costs\u201c).<\/li>\n<li><strong>Telesn\u00e1 ujma a \u0161koda na veci<\/strong> (patr\u00ed sk\u00f4r do GL\/majetkov\u00fdch poistiek), pokuty a pen\u00e1le nepoistite\u013enej povahy.<\/li>\n<li><strong>Konflikt z\u00e1ujmov a nez\u00e1konn\u00e9 obohatenie<\/strong> pri preuk\u00e1zan\u00ed viny, spory medzi poisten\u00fdmi v niektor\u00fdch jurisdikci\u00e1ch (mo\u017en\u00e9 \u010diasto\u010dn\u00e9 krytie).<\/li>\n<li><strong>Zmluvn\u00e9 z\u00e1v\u00e4zky spolo\u010dnosti<\/strong>, ktor\u00e9 presahuj\u00fa z\u00e1konn\u00fa zodpovednos\u0165 mana\u017e\u00e9ra.<\/li>\n<li><strong>Predbe\u017ene zn\u00e1me okolnosti<\/strong> a u\u017e be\u017eiace spory, ak neboli ozn\u00e1men\u00e9 pri uzatv\u00e1ran\u00ed poistky.<\/li>\n<\/ul>\n<h2>Limity, spolu\u00fa\u010das\u0165 a priority of payments: ekonomika poistky<\/h2>\n<ul>\n<li><strong>Limit plnenia<\/strong>: jedna suma pre v\u0161etky n\u00e1roky v obdob\u00ed (aggregate) \u2013 vyber\u00e1 sa pod\u013ea profilu rizika, obratov, expoz\u00edcie a apet\u00edtu akcion\u00e1rov.<\/li>\n<li><strong>Retention (spolu\u00fa\u010das\u0165)<\/strong>: najm\u00e4 pri Side B\/C; <em>Side A<\/em> b\u00fdva bez spolu\u00fa\u010dasti, ke\u010f\u017ee ide o osobn\u00fa ochranu mana\u017e\u00e9rov.<\/li>\n<li><strong>Priority of Payments<\/strong>: klauzula ur\u010duj\u00faca, \u017ee plnenia pre fyzick\u00e9 osoby (Side A) maj\u00fa prioritu pred entity kryt\u00edm \u2013 k\u013e\u00fa\u010dov\u00e9 pri vy\u010derpan\u00ed limitov.<\/li>\n<li><strong>DIC\/DIL vrstvy<\/strong>: Difference in Conditions\/Limits \u2013 nadstavbov\u00e9 poistky zlep\u0161uj\u00face podmienky alebo navy\u0161uj\u00face limity v programe.<\/li>\n<\/ul>\n<h2>Vz\u0165ah k indemnifik\u00e1cii a governance<\/h2>\n<p>Spolo\u010dnos\u0165 m\u00f4\u017ee ma\u0165 vo vn\u00fatorn\u00fdch predpisoch a zmluv\u00e1ch s mana\u017e\u00e9rmi <strong>indemnifika\u010dn\u00e9 z\u00e1v\u00e4zky<\/strong> \u2013 preplati\u0165 im \u0161kody a n\u00e1klady na obranu, ak konali s n\u00e1le\u017eitou starostlivos\u0165ou. <strong>D&amp;O je finan\u010dn\u00fd mechanizmus<\/strong>, ktor\u00fd tieto z\u00e1v\u00e4zky kryje (Side B) a s\u00fa\u010dasne chr\u00e1ni mana\u017e\u00e9rov, ak spolo\u010dnos\u0165 plni\u0165 nem\u00f4\u017ee (Side A). Siln\u00e9 <em>governance<\/em> \u2013 jasn\u00e9 kompetencie, zapisovanie rozhodnut\u00ed, konflikty z\u00e1ujmov, kontroln\u00e9 mechanizmy \u2013 zni\u017euje frekvenciu a z\u00e1va\u017enos\u0165 n\u00e1rokov a priaznivo vpl\u00fdva na cenu poistky.<\/p>\n<h2>Kedy uzavrie\u0165 D&amp;O: sp\u00fa\u0161\u0165a\u010de a \u017eivotn\u00e9 situ\u00e1cie firmy<\/h2>\n<ul>\n<li><strong>Vstup investora alebo \u00faverov\u00e9 financovanie<\/strong>: vyjedn\u00e1vacia podmienka; vy\u0161\u0161ia \u201evidite\u013enos\u0165\u201c a tlak na reporting.<\/li>\n<li><strong>Expanzia do nov\u00fdch trhov<\/strong>, regulovan\u00e9 odvetvia, v\u00fdrazn\u00fd rast tr\u017eieb.<\/li>\n<li><strong>Organiza\u010dn\u00e9 zmeny<\/strong>: akviz\u00edcie, f\u00fazie, odpredaj div\u00edzi\u00ed \u2013 transak\u010dn\u00e9 spory a run-off potreba.<\/li>\n<li><strong>Po incidentoch<\/strong>: kybernetick\u00fd \u00fatok, produktov\u00fd probl\u00e9m, compliance zlyhanie \u2013 n\u00e1rast rizika s\u00fadnych\/administrat\u00edvnych konan\u00ed.<\/li>\n<li><strong>Prevent\u00edvne<\/strong>: u\u017e pri zakladan\u00ed alebo transform\u00e1cii spolo\u010dnosti; neskor\u0161ie uzavretie komplikuje retroaktivitu.<\/li>\n<\/ul>\n<h2>Underwriting: \u010do sleduje pois\u0165ovate\u013e a ako sa pripravi\u0165<\/h2>\n<ul>\n<li><strong>Finan\u010dn\u00e9 ukazovatele<\/strong>: stabilita cash flow, zadl\u017eenie, going concern, auditn\u00e9 spr\u00e1vy.<\/li>\n<li><strong>Governance a compliance<\/strong>: zlo\u017eenie org\u00e1nov, v\u00fdbory (audit, risk), intern\u00e9 smernice, whistleblowing.<\/li>\n<li><strong>Rizikov\u00e9 udalosti<\/strong>: prebiehaj\u00face spory, s\u0165a\u017enosti, regula\u010dn\u00e9 pokuty, incidenty posledn\u00fdch 3\u20135 rokov.<\/li>\n<li><strong>Odvetvie a geografia<\/strong>: regula\u010dn\u00fd tlak, s\u00fadne prostredie, medzin\u00e1rodn\u00e1 pr\u00edtomnos\u0165 (jurisdikcie).<\/li>\n<li><strong>Program poistenia<\/strong>: po\u017eadovan\u00e9 limity, retencie, rozsah Side A DIC, ODL, retroaktivita, ERP.<\/li>\n<\/ul>\n<h2>Medzin\u00e1rodn\u00e9 aspekty: \u00fazemn\u00e1 platnos\u0165, jurisdikcia, lok\u00e1lne polisy<\/h2>\n<ul>\n<li><strong>Territory &amp; Jurisdiction<\/strong>: overte, kde plat\u00ed krytie a ktor\u00e9 s\u00fady s\u00fa akceptovan\u00e9; spor v USA\/UK m\u00f4\u017ee z\u00e1sadne meni\u0165 n\u00e1kladovos\u0165.<\/li>\n<li><strong>Lok\u00e1lne DC polisy<\/strong>: pri dc\u00e9rskych spolo\u010dnostiach m\u00f4\u017eu by\u0165 potrebn\u00e9 \u201eadmitted\u201c polisy pod\u013ea miestnych predpisov; DIC vrstvy harmonizuj\u00fa podmienky.<\/li>\n<li><strong>Sank\u010dn\u00e9 a embargov\u00e9 klauzuly<\/strong>: m\u00f4\u017eu obmedzi\u0165 plnenie pri subjektoch\/\u00fazemiach pod sankciami.<\/li>\n<\/ul>\n<h2>\u010cast\u00e9 omyly pri D&amp;O a ako sa im vyhn\u00fa\u0165<\/h2>\n<ul>\n<li><strong>\u201eM\u00e1me dobr\u00e9ho pr\u00e1vnika, poistku netreba.\u201c<\/strong> \u2013 D&amp;O financuje dlh\u00e9 a drah\u00e9 obhajoby, nie len \u00faspech v spore.<\/li>\n<li><strong>\u201eSme mal\u00ed, n\u00e1s sa to net\u00fdka.\u201c<\/strong> \u2013 spory v SME prich\u00e1dzaj\u00fa od investorov, partnerov aj zamestnancov; limit \u0165a\u017e\u00ed najm\u00e4 z krytia n\u00e1kladov.<\/li>\n<li><strong>\u201eKryje to aj zmluvn\u00e9 pokuty a \u00famysel?\u201c<\/strong> \u2013 nie; v\u00fdluky s\u00fa jasn\u00e9. Po\u010d\u00edtajte s t\u00fdm pri nastavovan\u00ed o\u010dak\u00e1van\u00ed.<\/li>\n<li><strong>\u201eSta\u010d\u00ed jedna poistka nav\u017edy.\u201c<\/strong> \u2013 program treba <em>ro\u010dn\u011b revidova\u0165<\/em> (limity, retencie, dodatky, run-off pri transakci\u00e1ch).<\/li>\n<\/ul>\n<h2>Praktick\u00e9 pr\u00edklady situ\u00e1ci\u00ed, kde D&amp;O pom\u00e1ha<\/h2>\n<ul>\n<li><strong>Oneskoren\u00e9 insolven\u010dn\u00e9 konanie<\/strong>: veritelia \u017ealuj\u00fa b\u00fdval\u00e9 predstavenstvo za oneskoren\u00e9 podanie n\u00e1vrhu \u2013 poistka kryje obranu a pr\u00edpadn\u00e9 urovnanie (s v\u00fdhradami pr\u00e1va).<\/li>\n<li><strong>Greenwashing claim<\/strong>: akcion\u00e1ri tvrdia, \u017ee spr\u00e1va o udr\u017eate\u013enosti bola zav\u00e1dzaj\u00faca a ovplyvnila ich investi\u010dn\u00e9 rozhodnutia \u2013 krytie n\u00e1kladov na obhajobu a urovnanie.<\/li>\n<li><strong>Kyber incident a nedbanlivos\u0165<\/strong>: po ransomwari \u017ealoba za nedostato\u010dn\u00fd doh\u013ead nad bezpe\u010dnos\u0165ou \u2013 D&amp;O <em>ne<\/em>kryje samotn\u00fd kyber n\u00e1klad, ale kryje mana\u017e\u00e9rsku zodpovednos\u0165 za rozhodovanie.<\/li>\n<li><strong>M&amp;A disclosures<\/strong>: namietan\u00e9 zatajovanie riz\u00edk v due diligence \u2013 n\u00e1klady na obranu a mimos\u00fadne dohody.<\/li>\n<\/ul>\n<h2>Checklist pred uzavret\u00edm D&amp;O poistky<\/h2>\n<ul>\n<li>M\u00e1me zhodnoten\u00fd <strong>risk profil<\/strong> (financie, odvetvie, expanzia, hist\u00f3ria sporov)?<\/li>\n<li>S\u00fa definovan\u00e9 <strong>limity a retencia<\/strong> v kontexte scen\u00e1rov najhor\u0161ieho pr\u00edpadu?<\/li>\n<li>Rozumieme <strong>retro d\u00e1tumu<\/strong>, <strong>ERP\/tail<\/strong> a potrebe <strong>run-off<\/strong> pri transakci\u00e1ch?<\/li>\n<li>Je dohodnut\u00e1 klauzula <strong>Priority of Payments<\/strong> a rozsah <strong>Side A DIC<\/strong> pre osobn\u00fa ochranu?<\/li>\n<li>M\u00e1me vyrie\u0161en\u00e9 <strong>ODL<\/strong> a krytie dc\u00e9r\/extern\u00fdch poz\u00edci\u00ed?<\/li>\n<li>Overili sme <strong>territory\/jurisdiction<\/strong> a s\u00falad s pl\u00e1novan\u00fdmi trhmi?<\/li>\n<li>Existuje ro\u010dn\u00fd <strong>review<\/strong> programu a prepojenie s internou indemnifik\u00e1ciou?<\/li>\n<\/ul>\n<h2>Implement\u00e1cia v praxi: kroky a zodpovednosti<\/h2>\n<ol>\n<li><strong>Risk workshop<\/strong> s veden\u00edm a pr\u00e1vnikom: identifik\u00e1cia scen\u00e1rov a prior\u00edt.<\/li>\n<li><strong>Market placement<\/strong> cez \u0161pecializovan\u00e9ho brokera: viac pon\u00fak, vyjednanie klauz\u00fal (severability, order of payments, pre-claim investigation).<\/li>\n<li><strong>Prepojenie s governance<\/strong>: aktualiz\u00e1cia indemnifika\u010dn\u00fdch doh\u00f4d, z\u00e1pisn\u00edc, polit\u00edk konfliktu z\u00e1ujmov.<\/li>\n<li><strong>Reporting a ozn\u00e1menia<\/strong>: intern\u00fd proces pre <em>promptn\u00e9 hl\u00e1senie<\/em> okolnost\u00ed a n\u00e1rokov, kontakty na pr\u00e1vnikov.<\/li>\n<li><strong>Vzdel\u00e1vanie<\/strong>: tr\u00e9ning pre \u010dlenov org\u00e1nov a senior mana\u017e\u00e9rov o rozsahu a limitoch krytia.<\/li>\n<\/ol>\n<h2>Klauzuly, ktor\u00e9 si zasl\u00fa\u017eia pozornos\u0165<\/h2>\n<ul>\n<li><strong>Severability<\/strong>: chr\u00e1ni nevinn\u00fdch mana\u017e\u00e9rov pred stratou krytia kv\u00f4li konaniu in\u00e9ho (oddelenie vedomost\u00ed a \u00famyslov).<\/li>\n<li><strong>Order of Payments<\/strong>: priorita plnenia Side A pri vy\u010derpan\u00ed limitov.<\/li>\n<li><strong>Inquiry\/Investigation Costs<\/strong>: rozsah krytia u\u017e vo f\u00e1ze vy\u0161etrovania bez form\u00e1lneho obvinenia.<\/li>\n<li><strong>Conduct Exclusion \u2013 final adjudication<\/strong>: aktiv\u00e1cia v\u00fdluky a\u017e po pr\u00e1voplatnom rozhodnut\u00ed (nie pri samotnom obvinen\u00ed).<\/li>\n<li><strong>Non-Rescindable Side A<\/strong>: poistite\u013e nem\u00f4\u017ee sp\u00e4tne zru\u0161i\u0165 Side A pre ne\u00fapln\u00e9 vyhl\u00e1senia in\u00fdch os\u00f4b.<\/li>\n<\/ul>\n<h2>Zhrnutie: kedy a pre\u010do sa D&amp;O oplat\u00ed<\/h2>\n<p>D&amp;O je <strong>osobn\u00e1 poistn\u00e1 ochrana mana\u017e\u00e9rov<\/strong> a z\u00e1rove\u0148 n\u00e1stroj stability spolo\u010dnosti. Oplat\u00ed sa v\u017edy, ke\u010f je firma vystaven\u00e1 <em>v\u00fdznamn\u00fdm rozhodnutiam, regula\u010dn\u00e9mu doh\u013eadu, transakci\u00e1m, investorom \u010di verite\u013eom<\/em>. K\u013e\u00fa\u010dom je spr\u00e1vne nastaven\u00fd program (Side A\/B\/C), dostato\u010dn\u00fd limit, jasn\u00e9 klauzuly a integr\u00e1cia s intern\u00fdm governance a indemnifik\u00e1ciou. Takto D&amp;O redukuje expoz\u00edciu, chr\u00e1ni talenty a umo\u017e\u0148uje mana\u017e\u00e9rom rozhodova\u0165 s primeranou mierou istoty.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Kedy a pre\u010do zavies\u0165 D&#038;O poistenie; ak\u00e9 rizik\u00e1 kryje, ak\u00e9 m\u00e1 v\u00fdluky a ako zvoli\u0165 limity vzh\u013eadom na ve\u013ekos\u0165 firmy.<\/p>\n","protected":false},"author":39,"featured_media":82270,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2630],"tags":[2927,2928,1664,1630,169,182,745,1674],"class_list":["post-42270","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-praca-a-zamestnanie","tag-d-o-poistenie","tag-d-o-poistenie-manazmentu","tag-krytie","tag-limity","tag-manazment","tag-naklady","tag-rizika","tag-vyluky"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Mana\u017e\u00e9rske poistenie: Poistenie zodpovednosti (D&amp;O) \u2013 Kedy a pre\u010do je nevyhnutn\u00e9 - Podnik\u00e1m, lietam a relaxujem<\/title>\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.vrtulniky.sk\/news\/manazerske-poistenie-poistenie-zodpovednosti-do-kedy-a-preco-je-nevyhnutne\/\" \/>\n<meta property=\"og:locale\" content=\"sk_SK\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Mana\u017e\u00e9rske poistenie: Poistenie zodpovednosti (D&amp;O) \u2013 Kedy a pre\u010do je nevyhnutn\u00e9 - Podnik\u00e1m, lietam a relaxujem\" \/>\n<meta property=\"og:description\" content=\"Kedy a pre\u010do zavies\u0165 D&amp;O poistenie; ak\u00e9 rizik\u00e1 kryje, ak\u00e9 m\u00e1 v\u00fdluky a ako zvoli\u0165 limity vzh\u013eadom na ve\u013ekos\u0165 firmy.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.vrtulniky.sk\/news\/manazerske-poistenie-poistenie-zodpovednosti-do-kedy-a-preco-je-nevyhnutne\/\" \/>\n<meta property=\"og:site_name\" content=\"Podnik\u00e1m, lietam a relaxujem\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/vrtulniky\/\" \/>\n<meta property=\"article:published_time\" content=\"2026-03-17T16:15:51+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.vrtulniky.sk\/news\/wp-content\/uploads\/2025\/12\/vzdelavanie-vysoka-skola-2270.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1199\" \/>\n\t<meta property=\"og:image:height\" content=\"1600\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Lucie \u010cerm\u00e1kov\u00e1\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Autor\" \/>\n\t<meta name=\"twitter:data1\" content=\"Lucie \u010cerm\u00e1kov\u00e1\" \/>\n\t<meta name=\"twitter:label2\" content=\"Predpokladan\u00fd \u010das \u010d\u00edtania\" \/>\n\t<meta name=\"twitter:data2\" content=\"9 min\u00fat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/manazerske-poistenie-poistenie-zodpovednosti-do-kedy-a-preco-je-nevyhnutne\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/manazerske-poistenie-poistenie-zodpovednosti-do-kedy-a-preco-je-nevyhnutne\\\/\"},\"author\":{\"name\":\"Lucie \u010cerm\u00e1kov\u00e1\",\"@id\":\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/#\\\/schema\\\/person\\\/ae126fefcc8034e368ed75c8ba0d9ebe\"},\"headline\":\"Mana\u017e\u00e9rske poistenie: Poistenie zodpovednosti (D&#038;O) \u2013 Kedy a pre\u010do je nevyhnutn\u00e9\",\"datePublished\":\"2026-03-17T16:15:51+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/manazerske-poistenie-poistenie-zodpovednosti-do-kedy-a-preco-je-nevyhnutne\\\/\"},\"wordCount\":1835,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/manazerske-poistenie-poistenie-zodpovednosti-do-kedy-a-preco-je-nevyhnutne\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/wp-content\\\/uploads\\\/2025\\\/12\\\/vzdelavanie-vysoka-skola-2270.jpg\",\"keywords\":[\"D&amp;O poistenie\",\"D&amp;O poistenie mana\u017ementu\",\"krytie\",\"limity\",\"mana\u017ement\",\"n\u00e1klady\",\"rizik\u00e1\",\"v\u00fdluky\"],\"articleSection\":[\"Pr\u00e1ca a zamestnanie\"],\"inLanguage\":\"sk-SK\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/manazerske-poistenie-poistenie-zodpovednosti-do-kedy-a-preco-je-nevyhnutne\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/manazerske-poistenie-poistenie-zodpovednosti-do-kedy-a-preco-je-nevyhnutne\\\/\",\"url\":\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/manazerske-poistenie-poistenie-zodpovednosti-do-kedy-a-preco-je-nevyhnutne\\\/\",\"name\":\"Mana\u017e\u00e9rske poistenie: Poistenie zodpovednosti (D&O) \u2013 Kedy a pre\u010do je nevyhnutn\u00e9 - Podnik\u00e1m, lietam a relaxujem\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/manazerske-poistenie-poistenie-zodpovednosti-do-kedy-a-preco-je-nevyhnutne\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/manazerske-poistenie-poistenie-zodpovednosti-do-kedy-a-preco-je-nevyhnutne\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/wp-content\\\/uploads\\\/2025\\\/12\\\/vzdelavanie-vysoka-skola-2270.jpg\",\"datePublished\":\"2026-03-17T16:15:51+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/manazerske-poistenie-poistenie-zodpovednosti-do-kedy-a-preco-je-nevyhnutne\\\/#breadcrumb\"},\"inLanguage\":\"sk-SK\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/manazerske-poistenie-poistenie-zodpovednosti-do-kedy-a-preco-je-nevyhnutne\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"sk-SK\",\"@id\":\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/manazerske-poistenie-poistenie-zodpovednosti-do-kedy-a-preco-je-nevyhnutne\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/wp-content\\\/uploads\\\/2025\\\/12\\\/vzdelavanie-vysoka-skola-2270.jpg\",\"contentUrl\":\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/wp-content\\\/uploads\\\/2025\\\/12\\\/vzdelavanie-vysoka-skola-2270.jpg\",\"width\":1199,\"height\":1600,\"caption\":\"Mana\u017e\u00e9rske poistenie: Poistenie zodpovednosti (D&O) \u2013 Kedy a pre\u010do je nevyhnutn\u00e9\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/manazerske-poistenie-poistenie-zodpovednosti-do-kedy-a-preco-je-nevyhnutne\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Mana\u017e\u00e9rske poistenie: Poistenie zodpovednosti (D&#038;O) \u2013 Kedy a pre\u010do je nevyhnutn\u00e9\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/#website\",\"url\":\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/\",\"name\":\"Podnik\u00e1m, lietam a relaxujem\",\"description\":\"Vrtu\u013en\u00edky.sk\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"sk-SK\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/#organization\",\"name\":\"Podnik\u00e1m, lietam a relaxujem\",\"url\":\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"sk-SK\",\"@id\":\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/wp-content\\\/uploads\\\/2022\\\/08\\\/news-vrtulniky-sk-logo-e1660318023553.png\",\"contentUrl\":\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/wp-content\\\/uploads\\\/2022\\\/08\\\/news-vrtulniky-sk-logo-e1660318023553.png\",\"width\":201,\"height\":200,\"caption\":\"Podnik\u00e1m, lietam a relaxujem\"},\"image\":{\"@id\":\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/vrtulniky\\\/\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/#\\\/schema\\\/person\\\/ae126fefcc8034e368ed75c8ba0d9ebe\",\"name\":\"Lucie \u010cerm\u00e1kov\u00e1\",\"url\":\"https:\\\/\\\/www.vrtulniky.sk\\\/news\\\/author\\\/lucie-cermakova\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Mana\u017e\u00e9rske poistenie: Poistenie zodpovednosti (D&O) \u2013 Kedy a pre\u010do je nevyhnutn\u00e9 - Podnik\u00e1m, lietam a relaxujem","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.vrtulniky.sk\/news\/manazerske-poistenie-poistenie-zodpovednosti-do-kedy-a-preco-je-nevyhnutne\/","og_locale":"sk_SK","og_type":"article","og_title":"Mana\u017e\u00e9rske poistenie: Poistenie zodpovednosti (D&O) \u2013 Kedy a pre\u010do je nevyhnutn\u00e9 - Podnik\u00e1m, lietam a relaxujem","og_description":"Kedy a pre\u010do zavies\u0165 D&O poistenie; ak\u00e9 rizik\u00e1 kryje, ak\u00e9 m\u00e1 v\u00fdluky a ako zvoli\u0165 limity vzh\u013eadom na ve\u013ekos\u0165 firmy.","og_url":"https:\/\/www.vrtulniky.sk\/news\/manazerske-poistenie-poistenie-zodpovednosti-do-kedy-a-preco-je-nevyhnutne\/","og_site_name":"Podnik\u00e1m, lietam a relaxujem","article_publisher":"https:\/\/www.facebook.com\/vrtulniky\/","article_published_time":"2026-03-17T16:15:51+00:00","og_image":[{"width":1199,"height":1600,"url":"https:\/\/www.vrtulniky.sk\/news\/wp-content\/uploads\/2025\/12\/vzdelavanie-vysoka-skola-2270.jpg","type":"image\/jpeg"}],"author":"Lucie \u010cerm\u00e1kov\u00e1","twitter_card":"summary_large_image","twitter_misc":{"Autor":"Lucie \u010cerm\u00e1kov\u00e1","Predpokladan\u00fd \u010das \u010d\u00edtania":"9 min\u00fat"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.vrtulniky.sk\/news\/manazerske-poistenie-poistenie-zodpovednosti-do-kedy-a-preco-je-nevyhnutne\/#article","isPartOf":{"@id":"https:\/\/www.vrtulniky.sk\/news\/manazerske-poistenie-poistenie-zodpovednosti-do-kedy-a-preco-je-nevyhnutne\/"},"author":{"name":"Lucie \u010cerm\u00e1kov\u00e1","@id":"https:\/\/www.vrtulniky.sk\/news\/#\/schema\/person\/ae126fefcc8034e368ed75c8ba0d9ebe"},"headline":"Mana\u017e\u00e9rske poistenie: Poistenie zodpovednosti (D&#038;O) \u2013 Kedy a pre\u010do je nevyhnutn\u00e9","datePublished":"2026-03-17T16:15:51+00:00","mainEntityOfPage":{"@id":"https:\/\/www.vrtulniky.sk\/news\/manazerske-poistenie-poistenie-zodpovednosti-do-kedy-a-preco-je-nevyhnutne\/"},"wordCount":1835,"commentCount":0,"publisher":{"@id":"https:\/\/www.vrtulniky.sk\/news\/#organization"},"image":{"@id":"https:\/\/www.vrtulniky.sk\/news\/manazerske-poistenie-poistenie-zodpovednosti-do-kedy-a-preco-je-nevyhnutne\/#primaryimage"},"thumbnailUrl":"https:\/\/www.vrtulniky.sk\/news\/wp-content\/uploads\/2025\/12\/vzdelavanie-vysoka-skola-2270.jpg","keywords":["D&amp;O poistenie","D&amp;O poistenie mana\u017ementu","krytie","limity","mana\u017ement","n\u00e1klady","rizik\u00e1","v\u00fdluky"],"articleSection":["Pr\u00e1ca a zamestnanie"],"inLanguage":"sk-SK","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.vrtulniky.sk\/news\/manazerske-poistenie-poistenie-zodpovednosti-do-kedy-a-preco-je-nevyhnutne\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.vrtulniky.sk\/news\/manazerske-poistenie-poistenie-zodpovednosti-do-kedy-a-preco-je-nevyhnutne\/","url":"https:\/\/www.vrtulniky.sk\/news\/manazerske-poistenie-poistenie-zodpovednosti-do-kedy-a-preco-je-nevyhnutne\/","name":"Mana\u017e\u00e9rske poistenie: Poistenie zodpovednosti (D&O) \u2013 Kedy a pre\u010do je nevyhnutn\u00e9 - Podnik\u00e1m, lietam a relaxujem","isPartOf":{"@id":"https:\/\/www.vrtulniky.sk\/news\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.vrtulniky.sk\/news\/manazerske-poistenie-poistenie-zodpovednosti-do-kedy-a-preco-je-nevyhnutne\/#primaryimage"},"image":{"@id":"https:\/\/www.vrtulniky.sk\/news\/manazerske-poistenie-poistenie-zodpovednosti-do-kedy-a-preco-je-nevyhnutne\/#primaryimage"},"thumbnailUrl":"https:\/\/www.vrtulniky.sk\/news\/wp-content\/uploads\/2025\/12\/vzdelavanie-vysoka-skola-2270.jpg","datePublished":"2026-03-17T16:15:51+00:00","breadcrumb":{"@id":"https:\/\/www.vrtulniky.sk\/news\/manazerske-poistenie-poistenie-zodpovednosti-do-kedy-a-preco-je-nevyhnutne\/#breadcrumb"},"inLanguage":"sk-SK","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.vrtulniky.sk\/news\/manazerske-poistenie-poistenie-zodpovednosti-do-kedy-a-preco-je-nevyhnutne\/"]}]},{"@type":"ImageObject","inLanguage":"sk-SK","@id":"https:\/\/www.vrtulniky.sk\/news\/manazerske-poistenie-poistenie-zodpovednosti-do-kedy-a-preco-je-nevyhnutne\/#primaryimage","url":"https:\/\/www.vrtulniky.sk\/news\/wp-content\/uploads\/2025\/12\/vzdelavanie-vysoka-skola-2270.jpg","contentUrl":"https:\/\/www.vrtulniky.sk\/news\/wp-content\/uploads\/2025\/12\/vzdelavanie-vysoka-skola-2270.jpg","width":1199,"height":1600,"caption":"Mana\u017e\u00e9rske poistenie: Poistenie zodpovednosti (D&O) \u2013 Kedy a pre\u010do je nevyhnutn\u00e9"},{"@type":"BreadcrumbList","@id":"https:\/\/www.vrtulniky.sk\/news\/manazerske-poistenie-poistenie-zodpovednosti-do-kedy-a-preco-je-nevyhnutne\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.vrtulniky.sk\/news\/"},{"@type":"ListItem","position":2,"name":"Mana\u017e\u00e9rske poistenie: Poistenie zodpovednosti (D&#038;O) \u2013 Kedy a pre\u010do je nevyhnutn\u00e9"}]},{"@type":"WebSite","@id":"https:\/\/www.vrtulniky.sk\/news\/#website","url":"https:\/\/www.vrtulniky.sk\/news\/","name":"Podnik\u00e1m, lietam a relaxujem","description":"Vrtu\u013en\u00edky.sk","publisher":{"@id":"https:\/\/www.vrtulniky.sk\/news\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.vrtulniky.sk\/news\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"sk-SK"},{"@type":"Organization","@id":"https:\/\/www.vrtulniky.sk\/news\/#organization","name":"Podnik\u00e1m, lietam a relaxujem","url":"https:\/\/www.vrtulniky.sk\/news\/","logo":{"@type":"ImageObject","inLanguage":"sk-SK","@id":"https:\/\/www.vrtulniky.sk\/news\/#\/schema\/logo\/image\/","url":"https:\/\/www.vrtulniky.sk\/news\/wp-content\/uploads\/2022\/08\/news-vrtulniky-sk-logo-e1660318023553.png","contentUrl":"https:\/\/www.vrtulniky.sk\/news\/wp-content\/uploads\/2022\/08\/news-vrtulniky-sk-logo-e1660318023553.png","width":201,"height":200,"caption":"Podnik\u00e1m, lietam a relaxujem"},"image":{"@id":"https:\/\/www.vrtulniky.sk\/news\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/vrtulniky\/"]},{"@type":"Person","@id":"https:\/\/www.vrtulniky.sk\/news\/#\/schema\/person\/ae126fefcc8034e368ed75c8ba0d9ebe","name":"Lucie \u010cerm\u00e1kov\u00e1","url":"https:\/\/www.vrtulniky.sk\/news\/author\/lucie-cermakova\/"}]}},"_links":{"self":[{"href":"https:\/\/www.vrtulniky.sk\/news\/wp-json\/wp\/v2\/posts\/42270","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.vrtulniky.sk\/news\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.vrtulniky.sk\/news\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.vrtulniky.sk\/news\/wp-json\/wp\/v2\/users\/39"}],"replies":[{"embeddable":true,"href":"https:\/\/www.vrtulniky.sk\/news\/wp-json\/wp\/v2\/comments?post=42270"}],"version-history":[{"count":1,"href":"https:\/\/www.vrtulniky.sk\/news\/wp-json\/wp\/v2\/posts\/42270\/revisions"}],"predecessor-version":[{"id":926623,"href":"https:\/\/www.vrtulniky.sk\/news\/wp-json\/wp\/v2\/posts\/42270\/revisions\/926623"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.vrtulniky.sk\/news\/wp-json\/wp\/v2\/media\/82270"}],"wp:attachment":[{"href":"https:\/\/www.vrtulniky.sk\/news\/wp-json\/wp\/v2\/media?parent=42270"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.vrtulniky.sk\/news\/wp-json\/wp\/v2\/categories?post=42270"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.vrtulniky.sk\/news\/wp-json\/wp\/v2\/tags?post=42270"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}