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.

Wo erhalte ich vollständige Informationen über APMLE?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der APMLE: American Podiatric Medical Licensing Examination Prüfung.

2025 Updated Actual APMLE questions as experienced in Test Center

Aktuelle APMLE Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz

Exam MCQs

APMLE : American Podiatric Medical Licensing exam (Part-1) exam MCQs and Practice Test

Practice Tests Organized by Martha nods



Latest 2025 MCQs of American Podiatric Medical Licensing exam (Part-1)
APMLE exam Questions & Practice Test, MCQs in Premium PDF and Test Engine

MCQs practice test and Free Test Engine Software - MCQs Updated on Daily Basis
Big Discount / Cheapest price & 100% Success Rate




APMLE MCQs : Download 100% Free APMLE exam Questions (PDF and VCE)

Exam Number : APMLE
Exam Name : American Podiatric Medical Licensing exam (Part-1)
Vendor Name : APMLE
Update : Click Here to Check Latest Update
Total MCQs : Check Questions

Kill test with APMLE Real exam Questions and exam questions
Discover top-tier APMLE APMLE MCQs of premium practice questions for the American Podiatric Medical Licensing exam (Part-1) exam preparation! At Killexams.com, they provide valid, up-to-date, and high-quality APMLE online exam practice to ensure your success. Explore the details at https://killexams.com/pass4sure/exam-detail/APMLE. Their expertly curated database of APMLE online exam practice, derived from real exams, empowers you to master the content and ace the APMLE test on your first try. Simply study their Questions and Answers, leverage their online or desktop test engine, and co

Our PDF free pdf practice test has proven to be a trusted resource for countless candidates who have successfully passed the APMLE exam. With their comprehensive APMLE test engine Practice Test, it is exceptionally rare for candidates who diligently study and practice with their materials to receive low scores or fail the actual exam. In fact, the majority of their candidates experience significant growth in their knowledge and pass the APMLE exam on their first attempt. This success stems from not only engaging with their APMLE test engine but also dedicating effort to mastering the subjects and skills needed to excel as experts in their organizations.

At killexams.com, their mission extends beyond simply helping candidates pass the APMLE exam with their questions and answers. They are committed to fostering a deeper understanding of APMLE Topics and objectives, which is essential for their professional triumph. They encourage candidates to practice extensively with their VCE test simulator and review their materials repeatedly until they achieve a perfect score. Once confident, they can approach the Exam Center with ease, fully equipped with the knowledge and skills to succeed in the APMLE exam.







APMLE exam Format | APMLE Course Contents | APMLE Course Outline | APMLE exam Syllabus | APMLE exam Objectives


The Part I examination samples the candidates knowledge in the basic science areas of General Anatomy, including embryology, histology, genetics, and geriatrics; Lower Extremity Anatomy; Biochemistry; Physiology; Microbiology and Immunology; Pathology; and Pharmacology. A separate Candidate Information Bulletin for the Part I exam is available online at killexams.com



The Part II written examination samples the candidates knowledge in the clinical areas of Medicine; Radiology; Orthopedics, Biomechanics and Sports Medicine; Anesthesia and Surgery; and Community Health, Jurisprudence, and Research. A separate Candidate Information Bulletin for the Part II written exam is available online at killexams.com Performance on the Part II written examination does not impact eligibility for the Part II CSPE.



The Part II Clinical Skills Patient Encounter (Part II CSPE) assesses proficiency in podiatric clinical tasks needed to enter residency. Candidates will be expected to perform a focused physical examination including podiatric and general medicine physical exam maneuvers appropriate for each patient presentation. Podiatric and general medical knowledge, verbal and written communication, and interpersonal skills will be assessed in each exam form. Performance on the Part II CSPE does not impact eligibility for the Part II written examination.



The Part III examination is designed to determine whether a candidates knowledge and clinical skills are adequate for safe, unsupervised practice. The Part III examination samples the candidates clinical skills in evaluating, diagnosing, and treating patients. Examples of the application of knowledge may be measured through photographs, radiographs and case presentations. A separate Candidate Information Bulletin for the Part III exam is available online at killexams.com



Part I and II

Podiatric Medical College Faculty submit questions (with accompanying references) to Prometric.

The pool of questions (items) are reviewed by a panel of practicing podiatric physicians and two podiatric medical school faculty in each content area.

The primary responsibility of the faculty is clarity and a current reference check.

The primary responsibility of the DPM members is what is the relationship between the item and the tasks performed by a DPM in practice=>

priority with regard importance in practice.

estimated difficulty-Is it easy, medium or hard=>

For Part I, the questions (items) also are reviewed by a content specialist in one of the basic sciences for accuracy and currency. This individual is a medical school faculty member.

Prometric assembles the test from approved questions according to the content specification.

Part III

Items are written and reviewed by panels of DPM practitioners who have been trained how to prepare effective test items. A second panel of DPMs reviews each form of the test before it is published.



Post Test Administration

Double Scoring Ensures Accuracy

At the examinee level, each computer-based test undergoes two independent scorings. Each test is first scored at the testing site and subsequently rescored when the data arrive back at Prometric. If scores do not match exactly, the examinees record is held until the results can be reconciled. Irregularities that may have occurred at the testing site are also noted and any examinees who may have experienced irregular testing conditions at the test site (such as hardware or software failures or power interruptions) receive a thorough review of their responses. Scores for these examinees are not released until all irregular conditions are given consideration and resolution processing rules are applied fairly to ensure equity in the test administration process.



Item Analysis

Each item is statistically analyzed to determine how many candidates answered correctly and whether the item discriminated between the high and low scoring candidates (the high scoring candidates answered correctly and the low scoring candidates did not). If the item is “flagged”, content experts review each of the flagged items for accuracy.



Deans Report

At the conclusion of the above analyses and after the scores are mailed to the candidates, each dean receives a report, which compares the performance for first time candidates at that school with the national examination data.



Score Reliability

Reliability refers to the consistency of test scores, the consistency with which candidates are classified as either passing or failing, and the degree to which test scores are free from errors of measurement. Errors of measurement result from factors not related to the test, factors such as fatigue or heightened attention, personal interests and other characteristics not related to the test. A persons score will not be perfectly consistent from one occasion to the next as a result of measurement error.



Determination of Passing Scores

The National Board and its test consultant, Prometric, use a widely-accepted criterion-referenced approach to determine passing scores known as the Angoff Method. The important feature of criterion-referenced standard setting is that it is based on an expected level of competence regardless of how many candidates in a particular group pass or fail. This is distinguished from a norm-referenced approach in which a set proportion of test takers fall above or below the passing score.



Killexams Review | Reputation | Testimonials | Feedback


No issue! 24 hours of preparation with APMLE real exam questions is sufficient.
When I purchased the APMLE practice test from killexams.com, I was initially concerned about its relevance due to exact exam updates. However, their responsive customer support team assured me that the material was up to date, and they were right. The practice questions with actual questions were aligned with the latest exam objectives, and the platform user-friendly interface made studying efficient. I am impressed by their commitment to quality and customer service, and I am now confidently preparing for my APMLE exam scheduled in two weeks.


The APMLE exam isn't any harder to pass with these Questions and Answers.
The APMLE exam was daunting, but Killexams.com practice questions of exam questions made studying enjoyable. I passed with an 89% score after switching to their materials just a week before the exam, proving their resources are a game-changer.


I had no problem! Three days of preparation with APMLE actual test questions is all that is required.
Practice tests were key to securing a strong position in my APMLE exam. The platform dynamic and comprehensive resources made my preparation engaging and effective, ultimately helping me achieve my desired role with greater career stability.


Check out these actual latest APMLE practice tests.
Killexams.com materials cover every aspect of the APMLE exam, which is essential for those new to it. I needed to Excellerate my understanding of APMLE, and Killexams.com practice questions of exam questions helped me a lot. I passed the APMLE exam with their assistance and have been recommending their services to my friends and colleagues.


I got an extraordinary examcollection for my APMLE exam.
APMLE exam training is exceptional, providing accurate questions and a realistic exam experience. Their focused materials helped me and my friends pass with ease, and I highly recommend their platform to all candidates.


APMLE Medical outline

APMLE Exam

Question: Where am I able to obtain APMLE real exam question?
Answer: Killexams.com is the best place to get updated APMLE real exam questions. These APMLE practice test work in the actual test. You will pass your exam with these APMLE questions. If you deliver some time to study, you can prepare for an exam with much boost in your knowledge. They recommend spending as much time as you can to study and practice APMLE practice test until you are sure that you can answer all the questions that will be asked in the actual APMLE exam. For this, you should visit killexams.com and register to obtain the complete examcollection of APMLE exam test prep. These APMLE exam questions are taken from actual exam sources, that's why these APMLE exam questions are sufficient to read and pass the exam. Although you can use other sources also for improvement of knowledge like textbooks and other aid material these APMLE questions are sufficient to pass the exam.
Question: Which website provides latest course contents?
Answer: Killexams is the best certification test prep website that provides up-to-date and 100% valid exam questions with practice tests. These VCE practice questions are very good for test practice to pass the exam on the first attempt. Killexams team keeps on updating the practice test continuously.
Question: Do you recommend me to use this extraordinary source of practice test?
Answer: Killexams greatly recommend this APMLE practice test to memorize before you go for the actual exam because this APMLE examcollection contains an up-to-date and 100% valid APMLE examcollection with a new syllabus.
Question: Do I need VCE simulator to practice APMLE test?
Answer: Yes, You can obtain the VCE exam simulator from your MyAccount. For APMLE Practice tests, you need to Install Killexams exam Simulator on your computer with Windows operating system. You can follow the steps deliver at https://killexams.com/exam-simulator-installation.html to install and open the exam simulator on your computer. exam simulator is used to practice APMLE exam questions and answers.
Question: Will killexams inform me about APMLE questions updates?
Answer: Killexams team will inform you by email when the APMLE exam in your obtain section will be updated. If there is no change in the APMLE questions and answers, you do not need to obtain again and again the same document.
APMLE+Medical+outline
https://www.pass4surez.com/art/read.php?keyword=APMLE+Medical+outline&lang=us&links=remove



Selecting a trustworthy provider for certification practice questions can be challenging, as the quality and reliability of resources vary widely. Killexams.com is committed to delivering top-tier practice questions and exam dumps, ensuring their materials are always current, valid, and effective. Unlike less reputable services that may lead to disappointment, Killexams.com prioritizes customer satisfaction, offering meticulously crafted practice questions that follow the actual exam in PDF as well as test eingine which is an advanced exam simulator designed to help candidates to practice test questions and succeed with confidence. Their dedication to quality is reflected in the trust and success of thousands of satisfied customers who have passed their exams with ease using their resources.

We take pride in maintaining the highest standards of integrity, ensuring their practice questions contain accurate and actual questions. While some competitors may spread misleading claims about Killexams.com, they encourage you to explore their trial questions and exam simulator to experience the quality firsthand. Visit Killexams.com to discover why they are a trusted leader in certification preparation, empowering candidates to achieve their goals with confidence.

Which is the best practice questions website?
Yes, Killexams is hundred percent legit and even fully trusted. There are several functions that makes killexams.com legitimate and authentic. It provides up to par and hundred percent valid exam questions that contain real exams questions and answers. Price is surprisingly low as compared to almost all the services online. The mock exam are updated on normal basis utilizing most exact questions. Killexams account set up and supplement delivery is really fast. Data downloading is certainly unlimited and incredibly fast. Assistance is avaiable via Livechat and E mail. These are the characteristics that makes killexams.com a robust website that offer exam prep with real exams questions.



Is killexams.com test material dependable?
Many websites claim to provide actual exam Questions, Braindumps, Practice Test, Study Guides, and cheat sheets, but most of them are simple re-sellers offering outdated content. Killexams.com stands out in 2025 as the leading platform that truly understands the challenges candidates face when wasting time on obsolete materials from free PDF sites or reseller sources. That is why Killexams.com regularly updates its MCQs to match the latest Real exam Questions. Every question in the Killexams.com MCQs is reliable, verified, and kept up-to-date by certified professionals who monitor daily exam updates.

If you want to pass your exam quickly while also improving your knowledge of the latest syllabus topics, they strongly recommend downloading the PDF MCQs, exam Questions and practice test from Killexams.com. Preparing with these resources ensures that you are ready for the actual exam. When you upgrade to the Premium Version, simply register at Killexams.com — you will receive your Username and Password within 5 to 10 minutes by email. All future updates to MCQs are automatically included in your account, and you can obtain the updated files as many times as needed without restrictions.

To make your preparation even more effective, Killexams.com provides Test Engine Software. This tool allows you to practice with Real exam Questions, track your progress, and take unlimited practice tests. The more you practice, the faster and more confident you become. Once you consistently achieve 100% marks with the complete pool of updated questions, you will be fully prepared to take the actual exam at the Exam Center and achieve success.




AMPP-BCI-L2 exam braindumps | CBBF mock exam | AZ-140 mock exam | GAFM-CCSFR pass ensure | ISA-IEC-62443-IC32M test questions | NPTE latest pdf | 1Y0-241 practice exam | A00-240 exam Questions | GAFM-MTLC free pdf | 4A0-C04 mock exam | AMPP-CP1 dumps questions | IOS-252 test prep | DTR mock questions | MB-700 laACTUAL EXAM QUESTIONS | C1000-112 exam braindumps | GAFM-CILP exam cram | GAFM-CCFOP free dumps | GPTS Real exam Questions | CAPE free questions | H13-611 model question |


APMLE - American Podiatric Medical Licensing Examination (Part-1) Real exam Questions
APMLE - American Podiatric Medical Licensing Examination (Part-1) Question Bank
APMLE - American Podiatric Medical Licensing Examination (Part-1) information source
APMLE - American Podiatric Medical Licensing Examination (Part-1) exam syllabus
APMLE - American Podiatric Medical Licensing Examination (Part-1) PDF questions
APMLE - American Podiatric Medical Licensing Examination (Part-1) study help
APMLE - American Podiatric Medical Licensing Examination (Part-1) study tips
APMLE - American Podiatric Medical Licensing Examination (Part-1) certification
APMLE - American Podiatric Medical Licensing Examination (Part-1) Questions and Answers
APMLE - American Podiatric Medical Licensing Examination (Part-1) study help
APMLE - American Podiatric Medical Licensing Examination (Part-1) information source
APMLE - American Podiatric Medical Licensing Examination (Part-1) testing
APMLE - American Podiatric Medical Licensing Examination (Part-1) techniques
APMLE - American Podiatric Medical Licensing Examination (Part-1) exam Questions
APMLE - American Podiatric Medical Licensing Examination (Part-1) Real exam Questions
APMLE - American Podiatric Medical Licensing Examination (Part-1) information search
APMLE - American Podiatric Medical Licensing Examination (Part-1) exam questions
APMLE - American Podiatric Medical Licensing Examination (Part-1) Practice Questions
APMLE - American Podiatric Medical Licensing Examination (Part-1) actual Questions
APMLE - American Podiatric Medical Licensing Examination (Part-1) study help
APMLE - American Podiatric Medical Licensing Examination (Part-1) exam Questions
APMLE - American Podiatric Medical Licensing Examination (Part-1) study help
APMLE - American Podiatric Medical Licensing Examination (Part-1) tricks
APMLE - American Podiatric Medical Licensing Examination (Part-1) tricks
APMLE - American Podiatric Medical Licensing Examination (Part-1) exam Cram
APMLE - American Podiatric Medical Licensing Examination (Part-1) exam Cram
APMLE - American Podiatric Medical Licensing Examination (Part-1) information source
APMLE - American Podiatric Medical Licensing Examination (Part-1) boot camp
APMLE - American Podiatric Medical Licensing Examination (Part-1) study help
APMLE - American Podiatric Medical Licensing Examination (Part-1) PDF Questions
APMLE - American Podiatric Medical Licensing Examination (Part-1) questions
APMLE - American Podiatric Medical Licensing Examination (Part-1) exam Cram
APMLE - American Podiatric Medical Licensing Examination (Part-1) exam success
APMLE - American Podiatric Medical Licensing Examination (Part-1) practice tests
APMLE - American Podiatric Medical Licensing Examination (Part-1) exam Questions
APMLE - American Podiatric Medical Licensing Examination (Part-1) test
APMLE - American Podiatric Medical Licensing Examination (Part-1) exam questions
APMLE - American Podiatric Medical Licensing Examination (Part-1) Real exam Questions
APMLE - American Podiatric Medical Licensing Examination (Part-1) testing
APMLE - American Podiatric Medical Licensing Examination (Part-1) exam
APMLE - American Podiatric Medical Licensing Examination (Part-1) PDF Download
APMLE - American Podiatric Medical Licensing Examination (Part-1) tricks
APMLE - American Podiatric Medical Licensing Examination (Part-1) Questions and Answers
APMLE - American Podiatric Medical Licensing Examination (Part-1) premium pdf

Other APMLE MCQs and Practice Test


APMLE mock test |


Best MCQs and practice test You Ever Experienced


CCPP-Protection free questions | GAFM-CINWF free questions | ISSEP mock questions | CNS-CP dumps questions | CAS-PA braindumps | AFPP exam results | GAFM-CCP free pdf | AwardICCFSSL324 test questions | 1D0-61A trial test questions | GAFM-MRTNTP exam dumps | CSET prep questions | 71301X test prep questions | GAFM-CPM actual exam questions | JN0-422 exam Cram | NCM test prep | LFCS practice exam | HPE0-J68 mock exam | CRCST pass guarantee | GAFM-CKPI past exams | GAFM-CAOM exam Questions |





References :


https://killexams-posting.dropmark.com/817438/23674210
https://www.instapaper.com/read/1319804366
http://killexams-braindumps.blogspot.com/2020/07/apmle-questions-pdf-download-with-exam.html
https://killexams-posting.dropmark.com/817438/23774355
http://feeds.feedburner.com/MurderYourSbacExamAtFirstAttempt
https://sites.google.com/view/killexams-apmle-cheat-sheet
https://youtu.be/zTUpSgmC48U
https://files.fm/f/awyt8uf4n



Similar Websites :
Pass4sure Certification exam Practice Tests
Pass4Sure Certification Question Bank






Direct Download

APMLE Reviews by Customers

Customer Reviews help to evaluate the exam performance in real test. Here all the reviews, reputation, success stories and ripoff reports provided.

APMLE Reviews

100% Valid and Up to Date APMLE Exam Questions

We hereby announce with the collaboration of world's leader in Certification Exam Dumps and Real Exam Questions with Practice Tests that, we offer Real Exam Questions of thousands of Certification Exams Free PDF with up to date VCE exam simulator Software.

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

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.

Erpressung

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:

Cyber-Kosten:

  • 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

Cyber-Eigenschäden:

  • 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