Was ist das eigentlich? Cyberrisiken verständlich erklärt

Es wird viel über Cyberrisiken gesprochen. Oftmals fehlt aber das grundsätzliche Verständnis, was Cyberrisiken überhaupt sind. Ohne diese zu verstehen, lässt sich aber auch kein Versicherungsschutz gestalten.

Beinahe alle Aktivitäten des täglichen Lebens können heute über das Internet abgewickelt werden. Online-Shopping und Online-Banking sind im Alltag angekommen. Diese Entwicklung trifft längst nicht nur auf Privatleute, sondern auch auf Firmen zu. Das Schlagwort Industrie 4.0 verheißt bereits eine zunehmende Vernetzung diverser geschäftlicher Vorgänge über das Internet.

Anbieter von Cyberversicherungen für kleinere und mittelständische Unternehmen (KMU) haben Versicherungen die Erfahrung gemacht, dass trotz dieser eindeutigen Entwicklung Cyberrisiken immer noch unterschätzt werden, da sie als etwas Abstraktes wahrgenommen werden. Für KMU kann dies ein gefährlicher Trugschluss sein, da gerade hier Cyberattacken existenzbedrohende Ausmaße annehmen können. So wird noch häufig gefragt, was Cyberrisiken eigentlich sind. Diese Frage ist mehr als verständlich, denn ohne (Cyber-)Risiken bestünde auch kein Bedarf für eine (Cyber-)Versicherung.

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Exam Number : ABEM-EMC
Exam Name : ABEM Emergency Medicine Certificate
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ABEM-EMC test Format | ABEM-EMC Course Contents | ABEM-EMC Course Outline | ABEM-EMC test Syllabus | ABEM-EMC test Objectives

Test Detail:
The ABEM-EMC (ABEM Emergency Medicine Certificate) is a certification test offered by the American Board of Emergency Medicine (ABEM). It is designed to assess the knowledge, skills, and competence of physicians specializing in emergency medicine. The test evaluates the candidate's ability to diagnose and manage a wide range of emergency medical conditions, make critical decisions under time constraints, and provide effective patient care in emergency settings.

Course Outline:
The ABEM-EMC certification process involves comprehensive training and preparation in emergency medicine. The course provides a thorough understanding of emergency medicine principles, diagnostic techniques, treatment protocols, and patient management strategies. While the specific course content may vary, the following is a general outline of the key Topics covered:

1. Emergency Medicine Fundamentals:
- Introduction to emergency medicine as a specialty.
- Principles of emergency medical care and patient triage.
- Legal and ethical considerations in emergency medicine.
- Communication and teamwork in emergency settings.

2. Clinical Assessment and Diagnosis:
- Comprehensive patient evaluation and history-taking skills.
- Physical examination techniques specific to emergency medicine.
- Diagnostic imaging interpretation and ordering appropriate tests.
- Differential diagnosis and recognition of emergent conditions.

3. Emergency Procedures and Skills:
- Mastery of essential emergency procedures (e.g., intubation, CPR).
- Advanced life support techniques and algorithms.
- Management of trauma, cardiac emergencies, respiratory distress, etc.
- Procedural sedation and analgesia in the emergency department.

4. Medical and Trauma Emergencies:
- Recognition and management of common medical emergencies.
- Identification and treatment of trauma-related injuries.
- Approach to pediatric emergencies and neonatal resuscitation.
- Critical care principles in the emergency department.

5. Emergency Department Operations:
- Effective management of an emergency department.
- Resource allocation and patient flow optimization.
- Disaster management and emergency preparedness.
- Quality improvement initiatives in emergency medicine.

Exam Objectives:
The ABEM-EMC test assesses the candidate's knowledge and competence in various aspects of emergency medicine. The test objectives include, but are not limited to:

1. Clinical Knowledge and Skills:
- Demonstrating an understanding of emergency medicine principles.
- Applying diagnostic reasoning and clinical decision-making skills.
- Managing emergent conditions and critical care situations.

2. Patient Management and Communication:
- Providing effective and compassionate patient care in emergency settings.
- Communicating clearly and efficiently with patients, families, and healthcare teams.
- Demonstrating professionalism and empathy in challenging situations.

3. Emergency Procedures and Interventions:
- Performing essential emergency procedures accurately and safely.
- Implementing evidence-based treatment protocols and algorithms.
- Managing resuscitation efforts and responding to life-threatening emergencies.

4. Emergency Department Operations:
- Demonstrating knowledge of emergency department operations and logistics.
- Participating in multidisciplinary team collaborations.
- Prioritizing tasks and resources effectively in a fast-paced environment.

The ABEM-EMC certification program includes a detailed syllabus that outlines the specific Topics covered in the exam. It encompasses a broad range of emergency medicine knowledge and skills. The syllabus may cover the following areas:

- Emergency medicine fundamentals and principles.
- Clinical test and diagnosis in emergency settings.
- Emergency procedures and life-saving interventions.
- Management of medical and trauma emergencies.
- Emergency department operations and administration.
- Patient communication and professionalism.
- Legal and ethical considerations in emergency medicine.

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Ex-Trump Doc Detained at Rodeo While Assisting on ‘Chaotic’ Medical Emergency

Former White House doctor and current Rep. Ronny Jackson (R-TX) was attempting to help a 15-year-old girl who was having a medical emergency during a rodeo in Texas on Saturday when he was “briefly detained” by cops, his office confirmed to The Daily Beast.

A spokesperson for Jackson confirmed the incident took place during a concert at the White Deer Rodeo on Saturday night on the outskirts of Amarillo. They described a “very loud and chaotic environment” in which Jackson was taken into custody—but never arrested—and quickly released once the situation was explained.

The incident began after Jackson was “summoned by someone in the crowd to assist a 15-year-old girl who was having a medical emergency nearby,” his office said.

The GOP congressman had “sat in the stands during the entire rodeo, in full view of the assembled crowd, and was not drinking,” his spokesperson added.

They described how when Jackson arrived at the scene, “there was a relative, who happened to be a nurse, already providing assistance. Dr. Jackson explained that he was a physician and asked her if she needed help, and she said yes.”

The relative did not immediately respond to an inquiry from The Daily Beast, but they posted on Facebook shortly after the incident describing the teen’s status and the scene—relaying at length a scuffle between authorities and Jackson, during which he was allegedly thrown to the ground.

A comment in the Facebook thread from the relative also revealed the teen is now “awake and alert.”

The statement from Jackson’s office also appeared to confirm the report.

“While assessing the patient in a very loud and chaotic environment, confusion developed with law enforcement on the scene and Dr. Jackson was briefly detained and was actually prevented from further assisting the patient,” Jackson’s statement said, noting that “there were no uniformed EMS providers on the scene at that time.”

“He was immediately released as soon as law enforcement realized that he, as a medical professional, was tending to the young girl’s medical emergency.”

In a follow-up Facebook post, the relative thanked Jackson personally “for his act of kindness and assistance in taking care of their 15 year old at the White Deer Rodeo.” The relative wrote that they “worked very well together communicating during this medical crisis that occurred,” adding, “thank you so very much for being where you were needed with your Healthcare Professionalism!”

The local sheriff confirmed to The Texas Tribune that a person was “temporarily detained” and that the department is reviewing the incident—but did not confirm Jackson’s identity. The sheriff declined to comment further on the matter and did not respond to request for comment from The Daily Beast.

The Tribune notes it is unclear who detained Jackson due to the sheer number of authorities on scene.

Jackson joined the White House Medical Unit as a physician in 2006 and served under three presidents, though it was Trump’s tenure in the White House when Jackson’s political aspirations really began to flourish.

He was first elected to the conservative, predominantly white 13th Congressional District in 2020 and re-elected in 2022, setting up a potential U.S. Senate run in 2026. He is one of Trump’s most vocal allies and a known supporter of the former president’s 2024 comeback campaign.

In March, Trump named Jackson as part of his Texas Elected Leadership Team, made up of elected officials from across the state of Texas.

Hiker with medical emergency rescued on Diamond Head

HONOLULU (KHON2) — The Honolulu Fire Department said they responded to a 911 call on Thursday, Aug. 10.

The call came in around 8:10 a.m. and led HFD personnel to the Diamond Head Crater Trail inthe Kahala area.

Get Hawaii’s latest morning news delivered to your inbox, sign up for News 2 You

According to HFD, a 76-year-old male hiker on the trail experienced a medical emergency at the stairs of the trail.

HFD said they were able to get to the hiker by 8:32 a.m. A team of emergency personnel ascended the trail on foot to do this.

While that team was hiking, another crew set up a safe landing zone for HFD’s Air 1 at Diamond Head Crater.

Once by the hiker’s side, HFD performed a medical exam. He was packaged for extraction and safely lifted to safety by Air 1.

His medical care was transferred to the Honolulu Emergency Medical Services at 9:19 a.m.

There are safety tips that HFD has provided that will allow you to prepare for a hike that can help you avoid issues while out on the trails.

Determine your hike before you go. There are several sites where you can locate information on how difficult or easy a hike can be. For this story, they are using The Hiking HI website.

This site ranks hiking trails in Hawaiʻi from beginner hikes to extreme hikes. Don’t overestimate your ability to do a hike. There is no shame is doing a beginner hike since all hikes in Hawaiʻi end up with the same result: breath taking views.

Check weather conditions for the day of your hike. Weather patterns in mountainous areas can be unpredictable. So, be sure that you check to see what forecasts look like for the hike you have chosen.

Plan your hike. This will allow you to provide information to family and friends about your route and what time you should be expected to return. Doing this can help rescue personnel to locate you in the event you become lost, injured or missing.

When going on a long hike, plan to begin early. It is not safe to wait until after dark or near dusk as you can become lost or hurt and your chances of rescue become fewer.

Don’t go on your hike alone. Take a friend or a family member. Maybe create a group hike for people you are living or traveling with.

Facebook has lots of hiking groups that are located here on the islands, and there is always someone ready to go out for an adventure.

Wear proper clothing. Be sure to choose shoes that will allow you to safely hike the trail you have chosen. Slippers, or flip flops, are bad idea for most all hikes; so, leave those at home or your hotel room. Know what insects will impact your hike and dress accordingly.

Prep your cell phone for the hike. Bring a cell phone with you and ensure that the battery is fully charged. If possible, bring an extra battery for your cell phone.

Prep your pet for the hike. Keep your pets leashed or inside hiking gear meant to carry smaller pets. If you are planning on taking your beloved pet with you on your hike, then know which trails will have potential hunters.

Pack lots of water. Bring water or some hydrating beverage with you so you can remain hydrated. This is especially important as summer heat numbers continue to rise.

Pack your medications. Be sure to pack any medications that you may need. Plan ahead for any situation that could happen.

Plan to remain on the trail. When planning your hike, remember to remain on the established trail to reduce your chances of becoming lost or injured.

Get news on the go with KHON 2GO, KHON’s morning podcast, every morning at 8

Emergency personnel have indicated that most accidents occur when hikers leave the trail and disregard warning signs that have been posted for the safety of hikers.

Non-Emergency Medical Transportation Market Size, Share, Growth 2023-2030

Non-Emergency Medical Transportation Market 2023 with 106 Pages Report and enhance with extents shares into sub-counties are covered in this market. Non-Emergency Medical Transportation Market conditions can be influenced by a wide range of factors, including economic policies, geopolitical events, and technological developments.

Major Key Players of the Market:

  • NEMT Services
  • Hospital Transfers
  • AMR Medical Transportation
  • Central West Healthline
  • MedEvac
  • Circulation
  • RoundTrip
  • SendaRide
  • Acc Medlink
  • Veyo
  • Africa-Europe Alliance
  • GoRide
  • Get a trial PDF of report @ https://www.360marketupdates.com/enquiry/request-sample/24116223

    Browse Market Size, charts, tables and figures extent in-depth TOC with 106 Report Pages on Non-Emergency Medical Transportation Market by Application (Medical practices and clinics, Cancer centers, Dialysis facilities, Hospitals, Others), by Type (Wheelchair-lift-equipped vehicles, Stretcher vans, Mini vans, Ambulatory vans, Others) Business Outlook, Top Companies, Key Regions, Product Demand, Market Size and Growth.

    Non-Emergency Medical Transportation market focuses on analyzing the current competitive situation in the Non-Emergency Medical Transportation market and provides basic information, market data, product introductions, etc. of leading companies in the industry. At the same time, includes the highlighted analysis--Strategies for Company to Deal with the Impact of COVID-19, It may also be helpful to consult with a financial who can provide direction based on your specific financial situation and goals.


    COVID-19 has had a significant impact on many industries. The pandemic has disrupted global supply chains, leading to shortages of certain goods and materials. It has also resulted in decreased demand for some products and services, as people have been staying home more and spending less money on non-essential items. Many businesses have had to close temporarily or permanently due to lockdowns and social distancing measures. Some industries, such as healthcare, online retail, and delivery services, have seen an increase in demand as a result of the pandemic. Overall, the COVID-19 pandemic has had a significant and far-reaching impact on the global economy.

    The global Non-Emergency Medical Transportation market size was valued at USD Million in 2022 and will reach USD Million in 2028, with a CAGR during 2022-2028.

    The Non-Emergency Medical Transportation market report covers sufficient and comprehensive data on market introduction, segmentations, status and trends, opportunities and challenges, industry chain, competitive analysis, company profiles, and trade statistics, etc. It provides in-depth and all-scale analysis of each segment of types, applications, players, 5 major regions and sub-division of major countries, and sometimes end user, channel, technology, as well as other information individually tailored before order confirmation.

    Meticulous research and analysis were conducted during the preparation process of the report. The qualitative and quantitative data were gained and Verified through primary and secondary sources, which include but not limited to Magazines, Press Releases, Paid Databases, Maia Data Center, National Customs, Annual Reports, Public Databases, Expert interviews, etc. Besides, primary sources include extensive interviews of key opinion leaders and industry experts such as experienced front-line staff, directors, CEOs, and marketing executives, downstream distributors, as well as end-clients.

    In this report, the historical period starts from 2018 to 2022, and the forecast period ranges from 2023 to 2028. The facts and data are demonstrated by tables, graphs, pie charts, and other pictorial representations, which enhances the effective visual representation and decision-making capabilities for business strategy.

    This study also covers company profiling, specifications and product picture, sales, market share and contact information of various regional, international and local vendors of Non-Emergency Medical Transportation Market. The market proposition is frequently developing ahead with the rise in scientific innovation and MandA activities in the industry. Additionally, many local and regional vendors are offering specific application products for varied end-users. The new merchant applicants in the market are finding it hard to compete with the international vendors based on reliability, quality and modernism in technology.

    Feel Free to Ask Question Before Purchasing the Report at https://www.360marketupdates.com/enquiry/pre-order-enquiry/24116223

    Market split by Type, can be divided into: -

  • Wheelchair-lift-equipped vehicles
  • Stretcher vans
  • Mini vans
  • Ambulatory vans
  • Others
  • Market split by Application, can be divided into: -

  • Medical practices and clinics
  • Cancer centers
  • Dialysis facilities
  • Hospitals
  • Others
  • Market segment by Region/Country including: -

    -North America (United States, Canada and Mexico) -Europe (Germany, UK, France, Italy, Russia and Spain etc.) -Asia-Pacific (China, Japan, Korea, India, Australia and Southeast Asia etc.) -South America (Brazil, Argentina and Colombia etc.) -Middle East and Africa (South Africa, UAE and Saudi Arabia etc.)


    In order to better understand Market condition five forces analysis is conducted that includes Bargaining power of buyers, Bargaining power of suppliers, Threat of new entrants, Threat of substitutes, Threat of rivalry.

    -Political (Political policy and stability as well as trade, fiscal and taxation policies) -Economical (Interest rates, employment or unemployment rates, raw material costs and foreign exchange rates) -Social (Changing family demographics, education levels, cultural trends, attitude changes and changes in lifestyles) -Technological (Changes in digital or mobile technology, automation, research and development) -Legal (Employment legislation, consumer law, health and safety, international as well as trade regulation and restrictions) -Environmental (Climate, recycling procedures, carbon footprint, waste disposal and sustainability)

    Key takeaways from the Non-Emergency Medical Transportation market report:

    Detailed considerate of Non-Emergency Medical Transportation market-particular drivers, Trends, constraints, Restraints, Opportunities and major micro markets. Comprehensive valuation of all prospects and threat in the In depth study of industry strategies for growth of the Non-Emergency Medical Transportation market-leading players. Non-Emergency Medical Transportation market latest innovations and major procedures. Favorable dip inside Vigorous high-tech and market latest trends remarkable the Market. Conclusive study about the growth conspiracy of Non-Emergency Medical Transportation market for forthcoming years.

    Get a trial Copy of the Non-Emergency Medical Transportation Market Report 2023(Latest Updated Report)

    Detailed TOC of Global Non-Emergency Medical Transportation Market Insights and Forecast to 2030

    Major Points from Table of Contents

    Global Non-Emergency Medical Transportation Market Research Report 2023-2030, by Manufacturers, Regions, Types and Applications

    1 Introduction 1.1 Objective of the Study 1.2 Definition of the Market 1.3 Market Scope 1.3.1 Market Segment by Type, Application and Marketing Channel 1.3.2 Major Regions Covered (North America, Europe, Asia Pacific, Mid East and Africa) 1.4 Years Considered for the Study (2015-2030) 1.5 Currency Considered (U.S. Dollar) 1.6 Stakeholders

    2 Key Findings of the Study

    3 Market Dynamics 3.1 Driving Factors for this Market 3.2 Factors Challenging the Market 3.3 Opportunities of the Global Non-Emergency Medical Transportation Market (Regions, Growing/Emerging Downstream Market Analysis) 3.4 Technological and Market Developments in the Non-Emergency Medical Transportation Market 3.5 Industry News by Region 3.6 Regulatory Scenario by Region/Country 3.7 Market Investment Scenario Strategic Recommendations Analysis

    4 Value Chain of the Non-Emergency Medical Transportation Market

    4.1 Value Chain Status 4.2 Upstream Raw Material Analysis 4.3 Midstream Major Company Analysis (by Manufacturing Base, by Product Type) 4.4 Distributors/Traders 4.5 Downstream Major Customer Analysis (by Region)

    5 Global Non-Emergency Medical Transportation Market-Segmentation by Type 6 Global Non-Emergency Medical Transportation Market-Segmentation by Application

    7 Global Non-Emergency Medical Transportation Market-Segmentation by Marketing Channel 7.1 Traditional Marketing Channel (Offline) 7.2 Online Channel

    8 Competitive Intelligence Company Profiles

    9 Global Non-Emergency Medical Transportation Market-Segmentation by Geography

    9.1 North America 9.2 Europe 9.3 Asia-Pacific 9.4 Latin America

    9.5 Middle East and Africa

    10 Future Forecast of the Global Non-Emergency Medical Transportation Market from 2023-2030

    10.1 Future Forecast of the Global Non-Emergency Medical Transportation Market from 2023-2030 Segment by Region 10.2 Global Non-Emergency Medical Transportation Production and Growth Rate Forecast by Type (2023-2030) 10.3 Global Non-Emergency Medical Transportation Consumption and Growth Rate Forecast by Application (2023-2030)

    11 Appendix 11.1 Methodology 12.2 Research Data Source


    Reasons to buy this report:

    -Identify the latest developments, market shares and strategies employed by the major market players. -Analysing various perspectives of the market with the help of Porters five forces analysis -Study on the product type and application expected to dominate the market. -Study on the country expected to witness fastest growth during the forecast period. -Forecasts the market value by assessing the impact of the market drivers and constraints.

    Purchase this report (Price USD 3480 for a single-user license) @ https://www.360marketupdates.com/purchase/24116223

    This data has been validated by the business investigators, giving huge bits of knowledge to the scientists, data analysts, directors, and other industry experts. The study deeply helps in understanding the market patterns, applications, determinations and industry obstacles.

    Contact Us:

    360 market updates

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    Web: https://www.360marketupdates.com/

    Press Release Distributed by The Express Wire

    To view the original version on The Express Wire visit Non-Emergency Medical Transportation Market Size, Share, Growth 2023-2030


    © 2023 Benzinga.com. Benzinga does not provide investment advice. All rights reserved.


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    Warum sind Cyberrisiken so schwer greifbar?

    Als mehr oder weniger neuartiges Phänomen stellen Cyberrisiken Unternehmen und Versicherer vor besondere Herausforderungen. Nicht nur die neuen Schadenszenarien sind abstrakter oder noch nicht bekannt. Häufig sind immaterielle Werte durch Cyberrisiken in Gefahr. Diese wertvollen Vermögensgegenstände sind schwer bewertbar.

    Obwohl die Gefahr durchaus wahrgenommen wird, unterschätzen viele Firmen ihr eigenes Risiko. Dies liegt unter anderem auch an den Veröffentlichungen zu Cyberrisiken. In der Presse finden sich unzählige Berichte von Cyberattacken auf namhafte und große Unternehmen. Den Weg in die Presse finden eben nur die spektakulären Fälle. Die dort genannten Schadenszenarien werden dann für das eigene Unternehmen als unrealistisch eingestuft. Die für die KMU nicht minder gefährlichen Cyber­attacken werden nur selten publiziert.

    Aufgrund der fehlenden öffentlichen Meldungen von Sicherheitsvorfällen an Sicherheitsbehörden und wegen der fehlenden Presseberichte fällt es schwer, Fakten und Zahlen zur Risikolage zu erheben. Aber ohne diese Grundlage fällt es schwer, in entsprechende Sicherheitsmaßnahmen zu investieren.

    Erklärungsleitfaden anhand eines Ursache-Wirkungs-Modells

    Häufig nähert man sich dem Thema Cyberrisiko anlass- oder eventbezogen, also wenn sich neue Schaden­szenarien wie die weltweite WannaCry-Attacke entwickeln. Häufig wird auch akteursgebunden beleuchtet, wer Angreifer oder Opfer sein kann. Dadurch begrenzt man sich bei dem Thema häufig zu sehr nur auf die Cyberkriminalität. Um dem Thema Cyberrisiko jedoch gerecht zu werden, müssen auch weitere Ursachen hinzugezogen werden.

    Mit einer Kategorisierung kann das Thema ganzheitlich und nachvollziehbar strukturiert werden. Ebenso hilft eine solche Kategorisierung dabei, eine Abgrenzung vorzunehmen, für welche Gefahren Versicherungsschutz über eine etwaige Cyberversicherung besteht und für welche nicht.

    Die Ursachen sind dabei die Risiken, während finanzielle bzw. nicht finanzielle Verluste die Wirkungen sind. Cyberrisiken werden demnach in zwei Hauptursachen eingeteilt. Auf der einen Seite sind die nicht kriminellen Ursachen und auf der anderen Seite die kriminellen Ursachen zu nennen. Beide Ursachen können dabei in drei Untergruppen unterteilt werden.

    Nicht kriminelle Ursachen

    Höhere Gewalt

    Häufig hat man bei dem Thema Cyberrisiko nur die kriminellen Ursachen vor Augen. Aber auch höhere Gewalt kann zu einem empfindlichen Datenverlust führen oder zumindest die Verfügbarkeit von Daten einschränken, indem Rechenzentren durch Naturkatastrophen wie beispielsweise Überschwemmungen oder Erdbeben zerstört werden. Ebenso sind Stromausfälle denkbar.

    Menschliches Versagen/Fehlverhalten

    Als Cyberrisiken sind auch unbeabsichtigtes und menschliches Fehlverhalten denkbar. Hierunter könnte das versehentliche Veröffentlichen von sensiblen Informationen fallen. Möglich sind eine falsche Adressierung, Wahl einer falschen Faxnummer oder das Hochladen sensibler Daten auf einen öffentlichen Bereich der Homepage.

    Technisches Versagen

    Auch Hardwaredefekte können zu einem herben Datenverlust führen. Neben einem Überhitzen von Rechnern sind Kurzschlüsse in Systemtechnik oder sogenannte Headcrashes von Festplatten denkbare Szenarien.

    Kriminelle Ursachen


    Hackerangriffe oder Cyberattacken sind in der Regel die Szenarien, die die Presse dominieren. Häufig wird von spektakulären Datendiebstählen auf große Firmen oder von weltweiten Angriffen mit sogenannten Kryptotrojanern berichtet. Opfer kann am Ende aber jeder werden. Ziele, Methoden und auch das Interesse sind vielfältig. Neben dem finanziellen Interesse können Hackerangriffe auch zur Spionage oder Sabotage eingesetzt werden. Mögliche Hackermethoden sind unter anderem: Social Engineering, Trojaner, DoS-Attacken oder Viren.

    Physischer Angriff

    Die Zielsetzung eines physischen Angriffs ist ähnlich dem eines Hacker­angriffs. Dabei wird nicht auf die Tools eines Hackerangriffs zurückgegriffen, sondern durch das physische Eindringen in Unternehmensgebäude das Ziel erreicht. Häufig sind es Mitarbeiter, die vertrauliche Informationen stehlen, da sie bereits den notwendigen Zugang zu den Daten besitzen.


    Obwohl die Erpressung aufgrund der eingesetzten Methoden auch als Hacker­angriff gewertet werden könnte, ergibt eine Differenzierung Sinn. Erpressungsfälle durch Kryptotrojaner sind eines der häufigsten Schadenszenarien für kleinere und mittelständische Unternehmen. Außerdem sind auch Erpressungsfälle denkbar, bei denen sensible Daten gestohlen wurden und ein Lösegeld gefordert wird, damit sie nicht veröffentlicht oder weiterverkauft werden.

    Ihre Cyberversicherung sollte zumindet folgende Schäden abdecken:


    • Soforthilfe und Forensik-Kosten (Kosten der Ursachenermittlung, Benachrichtigungskosten und Callcenter-Leistung)
    • Krisenkommunikation / PR-Maßnahmen
    • Systemverbesserungen nach einer Cyber-Attacke
    • Aufwendungen vor Eintritt des Versicherungsfalls

    Cyber-Drittschäden (Haftpflicht):

    • Befriedigung oder Abwehr von Ansprüchen Dritter
    • Rechtswidrige elektronische Kommunikation
    • Ansprüche der E-Payment-Serviceprovider
    • Vertragsstrafe wegen der Verletzung von Geheimhaltungspflichten und Datenschutzvereinbarungen
    • Vertragliche Schadenersatzansprüche
    • Vertragliche Haftpflicht bei Datenverarbeitung durch Dritte
    • Rechtsverteidigungskosten


    • Betriebsunterbrechung
    • Betriebsunterbrechung durch Ausfall von Dienstleister (optional)
    • Mehrkosten
    • Wiederherstellung von Daten (auch Entfernen der Schadsoftware)
    • Cyber-Diebstahl: elektronischer Zahlungsverkehr, fehlerhafter Versand von Waren, Telefon-Mehrkosten/erhöhte Nutzungsentgelte
    • Cyber-Erpressung
    • Entschädigung mit Strafcharakter/Bußgeld
    • Ersatz-IT-Hardware
    • Cyber-Betrug