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 CFRN?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der CFRN: BCEN Certified Flight Registered Nurse 2024 Prüfung.

2025 Updated Actual CFRN questions as experienced in Test Center

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

Nursing CFRN : BCEN Certified Flight Registered Nurse 2024 Practice Tests

Practice Tests Organized by Lee



Latest 2025 Updated Nursing BCEN Certified Flight Registered Nurse 2024 Syllabus
CFRN dumps collection with Premium PDF and Test Engine

Practice Tests and Free VCE Software - Questions Updated on Daily Basis
Big Discount / Cheapest price & 100% Pass Guarantee




CFRN dumps collection : Download 100% Free CFRN practice questions (PDF and VCE)

Exam Number : CFRN
Exam Name : BCEN Certified Flight Registered Nurse 2024
Vendor Name : Nursing
Update : Click Here to Check Latest Update
Question Bank : Check Questions

CFRN Exam Questions with real answers and Practice Questions
All their CFRN Free PDF, Test Prep, Premium Questions and Ans, Exam Questions, Free exam PDF, Questions and Answers are fully tested before they provide them for obtain at killexams.com. You can obtain a 100% free trial of Practice Questions before making a purchase. They guarantee that their CFRN Question Bank are valid, updated, and the latest.

There are numerous providers of PDF Download available online, but a large percentage of them offer outdated CFRN Latest Topics. It is crucial to find a reliable and trustworthy CFRN Question Bank supplier online. One option worth considering is killexams.com. However, it's important to keep in mind that your search for the right provider should not result in a waste of time and money. Take advantage of the opportunity to obtain 100% free CFRN Question Bank and evaluate the trial CFRN questions. Afterward, register and obtain the latest and valid CFRN Latest Topics that includes real exam questions and answers. Additionally, you should obtain excellent discount coupons and the CFRN VCE exam simulator for your training.

With the ability to obtain CFRN Question Bank PDF onto any mobile device or computer, studying the real CFRN questions is possible even during leisure time or travel. This can help utilize your free time and increase the number of opportunities to study CFRN questions. Practice with the CFRN Latest Topics using the VCE exam simulator repeatedly until you achieve a perfect score. Once confident, head directly to the examination center for the real CFRN exam.







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


1. General principles of transport nursing practice
A. Transport physiology
1. Physiologic stressors of transport
2. Effects of altitude on patients
B. Scene operations
1. Secure landing zone
2. Incident Command System
C. Communications
1. Radio operations
2. Patient handoff (e.g., history from referring provider, updates for receiving provider, SBAR)
3. Crew resource management
D. Safety and survival
1. ELT
2. Navigation (e.g., maps, GPS, night-vision goggles)
3. Transponder codes
4. Survival principles (post-crash)
5. Transport vehicle emergencies
6. Pre-mission preparation (e.g., shift preparedness, risk exam, crew briefings, weather limitations,AMRM)
E. Management of man-made disasters (e.g., terrorism, industrial accident, transportation accident, mass casualties)
F. Professional issues
1. Evidence-based practice and research
2. Legal issues
a. HIPAA
b. EMTALA
c. Consent
d. Mandatory reporting (e.g., abuse, neglect, diversion, non-accidental trauma)
e. Legal concepts in patient care (e.g., negligence, assault, battery, abandonment)
3. Ethical issues
4. Psychosocial issues in transport, including families
G. Management
1. Quality management and fair work environment
2. Outreach and community education
3. Stress management (e.g., self-care, post-traumatic critical incident)
2. Resuscitation principles 27 31
A. Principles of exam and patient preparation
1. Physical exam
2. Pain and comfort exam
3. Preparing the patient for transport (i.e., packaging)
B. Airway management
1. Airway exam
2. Airway management
3. Difficulties encountered with airway
4. Rapid Sequence Induction for Intubation (RSI), including pharmacology
C. Mechanical ventilation
1. Invasive ventilation
2. Non-invasive ventilation
D. Perfusion
1. Components of oxygen delivery
2. Shock pathophysiology
3. Trauma triad (hypothermia, acidosis, coagulopathies)
4. Acid base imbalances
3. Trauma 26 31
A. Principles of management
1. Mechanism of injury
2. Shock
a. Hypovolemic
b. Obstructive
c. Distributive (including neurogenic)
d. Cardiogenic
3. Immobilization
B. Neurologic
1. Traumatic brain injuries
2. Spinal cord injuries
3. Post-traumatic seizures
C. Thoracic
1. Chest wall injuries
2. Pulmonary injuries
3. Cardiac injuries
4. Great vessel injuries
D. Abdominal
1. Hollow organ injuries
2. Solid organ injuries
3. Diaphragmatic injuries
4. Retroperitoneal injuries
5. Abdominal compartment syndrome
E. Orthopedic
1. Vertebral injuries
2. Pelvic injuries
3. Compartment syndrome
4. Amputations
5. Extremity fractures
6. Soft-tissue injuries
F. Burn
1. Chemical burns
2. Electrical burns
3. Thermal burns
4. Radiological burns
5. Inhalation injuries
G. Maxillofacial and neck
1. Facial injuries, including fractures
2. Ocular injuries
3. Blunt and penetrating neck injuries
4. Medical emergencies 44 44
A. Neurologic
1. Seizure disorders
2. Stroke
3. Neuromuscular disorders
4. Space occupying lesions
a. Blood
b. Tumors
c. Abscesses
d. Hydrocephalus
e. Encephalopathies
B. Cardiovascular
1. Acute coronary syndrome
2. Congestive heart failure
3. Pulmonary edema
4. Dysrhythmias
5. Aortic abnormalities
6. Hypertension
7. Mechanical/circulatory support (e.g., IABP, VAD, pacing)
C. Pulmonary
1. COPD
2. Acute lung injury/ARDS
3. Pulmonary infections
4. Asthma
5. Pulmonary embolism
D. Abdominal
1. Abdominal compartment syndrome
2. GI bleed
3. Conditions of the hollow organs (e.g., obstruction,rupture)
4. Conditions of the solid organs (e.g., pancreatitis, hepatitis)
E. Electrolyte disturbances
F. Metabolic and endocrine
1. Diabetic emergencies
2. Neuroendocrine disorders (e.g., diabetes insipidus, SIADH, HHNK)
3. Thyroid conditions
4. Adrenal disorders
G. Hematology
1. Coagulopathies (including platelet disorders)
2. Anemias
H. Renal
1. Acute kidney injury (i.e., acute renal failure)
2. Chronic renal failure
I. Infectious and communicable diseases
1. SIRS and sepsis
2. Isolation precautions (e.g., MRSA, influenza-like illness, highly-infectious diseases)
J. Shock
1. Hypovolemic
2. Obstructive
3. Distributive (including neurogenic and anaphylaxis)
4. Cardiogenic
K. Environmental and toxicological emergencies
1. Environment
a. Allergic reactions
b. Cold related (e.g., hypothermia, frostbite)
c. Heat related (e.g., heatstroke, heat exhaustion)
d. Submersion injuries (i.e., diving injuries, drowning, near drowning)
e. Bites and envenomation
2. Toxicology
A. Obstetrical patients
1. Complications of pregnancy
2. Delivery and post-partum care of mother and infant
3. Trauma
B. Pediatric
1. Trauma
2. Medical (e.g., respiratory, cardiac, and neurological emergencies, metabolic disturbances)
C. Geriatric
1. Trauma (e.g., falls, immobilization)
2. Medical (e.g., drug interactions and comorbidities, dementia)
D. Bariatric (e.g., logistical issues, drug dosage, skin issues,airway management)

Procedures
PA catheter
Point-of-care testing
Video laryngoscopy
Chest radiographs
Transvenous pacing
Capnography for non-intubated patients
Surgical cricothyrotomy
Therapeutic hypothermia
Central venous pressure measurement
Arterial line
Needle cricothyrotomy
Needle thoracostomy
Tourniquet application
Central line
Chest tube
Pelvic stabilization
Non-invasive mechanical ventilation
Traction splint
12-lead ECG
Invasive mechanical ventilation
Transcutaneous pacing
Blood product administration
Capnography for intubated patients
Endotrachael intubation
Initiate/titrate medications
Intraosseous catheter
IABP operation
Escharotomy
CT scans
Medical circulatory devices (VAD, Impella®)
Fracture/dislocation reduction
ICP monitoring
Pericardiocentesis
Neck radiographs
Ventriculostomy monitoring



Killexams Review | Reputation | Testimonials | Feedback


Do you need updated practice questions for the CFRN exam to pass?
I discovered this valuable resource after a long search, and I must say that everyone here is cooperative and supportive. The team provided me with excellent material for my CFRN education, and I am grateful for their help.


Can I obtain practice test questions for the CFRN exam?
I purchased killexams.com's exam material for the CFRN exam, and I was impressed with the quality of the questions provided. They were just as useful as the CFRN questions, and I was able to pass the exam with ease. I highly recommend killexams.com to anyone looking for focused prep materials to help them pass an exam. With killexams.com's help, you can add a complicated certification like CFRN to your resume with ease.


I found the correct source for real CFRN updated practice questions and the latest questions.
I searched online for the perfect dump for this unique subject matter but could not find an appropriate one that explained the critical things needed. However, when I discovered killexams.com brain dump material, I was truly amazed. It included all essential things without being overwhelming. I am thrilled to have found it and used it


What are the core objectives of the updated CFRN exam?
The day before my CFRN exam, I felt demotivated and did not feel like doing anything. However, killexams.com provided me with the necessary support and educational material to help me prepare for the exam. Their study guide provided me with the energy I needed to succeed, and I did not feel like giving up. Thanks to their pool of educational information, I obtained excellent marks in the CFRN exam, and I felt energized.


These CFRN real exam questions work well in the real test.
As soon as I heard that killexams.com had updated their CFRN braindump, I immediately bought it. They covered all the new areas, and the exam appeared fresh. Their turnaround time and customer support were top-notch.


Nursing Registered PDF Questions

CFRN Exam

User: Kirill*****

I passed the CFRN certification exam with the help of the provided mock exam from killexams.com. The path to becoming certified involves more than just memorizing the Questions and Answers, so be sure to prepare thoroughly. There were some exam questions that were not in the provided practice tests, but if you practice with different types of Questions and Answers, you can attempt those questions with ease. This was my experience, and I want to thank killexams.com for helping me pass my exam.
User: Lisa*****

When I failed my cfrn exam, I searched the internet for solutions and found killexams.com. I quickly purchased the cfrn coaching package containing questions, answers, and an exam simulator. I prepared for the exam using these resources and scored 98%. Thanks to the killexams.com team, I passed the exam with ease.
User: Tawnya*****

I would like to express my heartfelt thanks to the killexams.com team for providing me with the query and answer guide for the cfrn exam. It was an excellent resource for me to prepare for the test. I felt confident and ready to face the exam, as I found many questions inside the exam paper that were similar to the ones in the guide. I strongly believe that the guide is still valid, and I appreciate the effort of the crew contributors. The method of dealing with subjects uniquely and thoroughly is awesome, and I hope killexams.com creates more such exam publications in the near future.
User: Nastenka*****

Clearing cfrn exams seemed unrealistic to me, but killexams.com illuminated my shortcomings. With the help of their brain dump practice test guide, I was able to see the syllabus correctly and effectively answered 90 out of 100 questions. Their wonderful exam simulator was also a great help. I am grateful to killexams.com for providing the excellent services.
User: Martin Hoax*****

I had purchased the CFRN brainpractice test before hearing about the exam update and was concerned I had wasted my money. However, when I contacted the Killexams.com help team, they assured me that the updated CFRN exam was covered in the material. I was impressed with the updated content and the comprehensive coverage of all exam objectives. I am grateful for their exceptional performance and customer service.

CFRN Exam

Question: How much hardworking required to pass CFRN exam?
Answer: If you are a good reader and memorize questions well, you need not do much hardworking. Go to killexams.com and obtain the complete dumps collection of CFRN exam test prep after you register for the full version. These CFRN questions are taken from the real CFRN exam, that's why these CFRN 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 CFRN questions are sufficient to pass the exam. They recommend taking your time to study and practice CFRN practice test until you are sure that you can answer all the questions that will be asked in the real CFRN exam.
Question: Can I find real mock exam of CFRN exam?
Answer: Yes. You will get up-to-date CFRN real questions. If there will be any update in the exam, it will be automatically copied in your obtain section and you will receive an intimation email. You can memorize and practice these mock exam with the VCE exam simulator. It will train you enough to get good marks in the exam.
Question: Where can I look for the latest CFRN cheatsheet?
Answer: You can find the latest CFRN cheatsheet at killexams.com. It makes it a lot easier to pass CFRN exam with killexams cheatsheets. You need the latest CFRN dumps collection of the new syllabus to pass the CFRN exam. These latest CFRN test prep are taken from real CFRN exam question bank, that's why these CFRN 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 CFRN questions are sufficient to pass the exam.
Question: Do I need updated dumps of CFRN exam to pass the exam?
Answer: Yes, sure. You need up-to-date CFRN questions to pass the exam. Killexams.com provides real CFRN exam mock exam that appear in the real CFRN exam. You should also practice these mock exam with an exam simulator.
Question: I have no time to go through books, Is the dumps collection for me?
Answer: Yes, If you have not time to go through the books. These CFRN exam questions are taken from real exam sources, that's why these CFRN 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 CFRN questions are sufficient to pass the exam.
Nursing+Registered+PDF+Questions
https://www.pass4surez.com/art/read.php?keyword=Nursing+Registered+PDF+Questions&lang=us&links=remove



While it is very hard task to choose reliable certification questions / answers resources with respect to review, reputation and validity because people get ripoff due to choosing wrong service. Killexams.com make it sure to serve its clients best to its resources with respect to exam questions update and validity. Most of other's ripoff report complaint clients come to us for the brain dumps and pass their exams happily and easily. They never compromise on their review, reputation and quality because killexams review, killexams reputation and killexams client confidence is important to us. Specially they take care of killexams.com review, killexams.com reputation, killexams.com ripoff report complaint, killexams.com trust, killexams.com validity, killexams.com report and killexams.com scam. The same care that they take about killexams review, killexams reputation, killexams ripoff report complaint, killexams trust, killexams validity, killexams report and killexams scam. If you see any false report posted by their competitors with the name killexams ripoff report complaint internet, killexams ripoff report, killexams scam, killexams.com complaint or something like this, just keep in mind that there are always bad people damaging reputation of good services due to their benefits. There are thousands of satisfied customers that pass their exams using killexams.com brain dumps, killexams PDF questions, killexams practice questions, killexams exam simulator. Visit Their trial questions and trial brain dumps, their exam simulator and you will definitely know that killexams.com is the best brain dumps site.

Which is the best practice questions website?
Without a doubt, Killexams is 100 % legit together with fully reliable. There are several characteristics that makes killexams.com legitimate and legitimate. It provides updated and 100 % valid exam questions containing real exams questions and answers. Price is very low as compared to a lot of the services online. The mock exam are refreshed on typical basis having most recent questions. Killexams account launched and products delivery is really fast. Document downloading is usually unlimited as well as fast. Assist is avaiable via Livechat and Electronic mail. These are the characteristics that makes killexams.com a strong website that deliver exam prep with real exams questions.



Is killexams.com test material dependable?
There are several mock exam provider in the market claiming that they provide real exam Questions, Braindumps, Practice Tests, Study Guides, cheat sheet and many other names, but most of them are re-sellers that do not update their contents frequently. Killexams.com is best website of Year 2025 that understands the issue candidates face when they spend their time studying obsolete contents taken from free pdf obtain sites or reseller sites. Thats why killexams.com update exam mock exam with the same frequency as they are updated in Real Test. exam questions provided by killexams.com are Reliable, Up-to-date and validated by Certified Professionals. They maintain dumps collection of valid Questions that is kept up-to-date by checking update on daily basis.

If you want to Pass your exam Fast with improvement in your knowledge about latest course contents and syllabus of new syllabus, They recommend to obtain PDF exam Questions from killexams.com and get ready for real exam. When you feel that you should register for Premium Version, Just choose visit killexams.com and register, you will receive your Username/Password in your Email within 5 to 10 minutes. All the future updates and changes in mock exam will be provided in your obtain Account. You can obtain Premium practice test files as many times as you want, There is no limit.

Killexams.com has provided VCE practice test Software to Practice your exam by Taking Test Frequently. It asks the Real exam Questions and Marks Your Progress. You can take test as many times as you want. There is no limit. It will make your test prep very fast and effective. When you start getting 100% Marks with complete Pool of Questions, you will be ready to take real Test. Go register for Test in Exam Center and Enjoy your Success.




AngularJS Latest Questions | CIS-CPG mock test | 4A0-C04 free online test | NNP-BC exam Questions | PEGAPCLSA86V2 exam tips | 4A0-C02 Study help | 4A0-M01 exam results | ARA02 mock test | H12-222 questions obtain | NEA-BC study guide | 1Y0-403 examcollection | MAT Practice Questions | HPE2-N69 test prep | NCEES-FE-Electrical-and-Computer past exams | Tableau-Desktop-Specialist free study guide | 156-315-80 Free PDF | Advance-RPA-Pro certification trial | 4A0-115 free questions | DCA pdf obtain | 301b practice exam |


CFRN - BCEN Certified Flight Registered Nurse 2024 course outline
CFRN - BCEN Certified Flight Registered Nurse 2024 study help
CFRN - BCEN Certified Flight Registered Nurse 2024 certification
CFRN - BCEN Certified Flight Registered Nurse 2024 Free exam PDF
CFRN - BCEN Certified Flight Registered Nurse 2024 Study Guide
CFRN - BCEN Certified Flight Registered Nurse 2024 PDF download
CFRN - BCEN Certified Flight Registered Nurse 2024 teaching
CFRN - BCEN Certified Flight Registered Nurse 2024 testing
CFRN - BCEN Certified Flight Registered Nurse 2024 questions
CFRN - BCEN Certified Flight Registered Nurse 2024 test questions
CFRN - BCEN Certified Flight Registered Nurse 2024 book
CFRN - BCEN Certified Flight Registered Nurse 2024 syllabus
CFRN - BCEN Certified Flight Registered Nurse 2024 guide
CFRN - BCEN Certified Flight Registered Nurse 2024 PDF Download
CFRN - BCEN Certified Flight Registered Nurse 2024 Practice Test
CFRN - BCEN Certified Flight Registered Nurse 2024 PDF download
CFRN - BCEN Certified Flight Registered Nurse 2024 test prep
CFRN - BCEN Certified Flight Registered Nurse 2024 questions
CFRN - BCEN Certified Flight Registered Nurse 2024 exam Questions
CFRN - BCEN Certified Flight Registered Nurse 2024 learning
CFRN - BCEN Certified Flight Registered Nurse 2024 Questions and Answers
CFRN - BCEN Certified Flight Registered Nurse 2024 exam syllabus
CFRN - BCEN Certified Flight Registered Nurse 2024 exam Cram
CFRN - BCEN Certified Flight Registered Nurse 2024 exam questions
CFRN - BCEN Certified Flight Registered Nurse 2024 questions
CFRN - BCEN Certified Flight Registered Nurse 2024 PDF download
CFRN - BCEN Certified Flight Registered Nurse 2024 testprep
CFRN - BCEN Certified Flight Registered Nurse 2024 exam help
CFRN - BCEN Certified Flight Registered Nurse 2024 PDF Download
CFRN - BCEN Certified Flight Registered Nurse 2024 study help
CFRN - BCEN Certified Flight Registered Nurse 2024 study help
CFRN - BCEN Certified Flight Registered Nurse 2024 guide
CFRN - BCEN Certified Flight Registered Nurse 2024 practice tests
CFRN - BCEN Certified Flight Registered Nurse 2024 course outline
CFRN - BCEN Certified Flight Registered Nurse 2024 learning
CFRN - BCEN Certified Flight Registered Nurse 2024 Free exam PDF
CFRN - BCEN Certified Flight Registered Nurse 2024 PDF Download
CFRN - BCEN Certified Flight Registered Nurse 2024 information hunger
CFRN - BCEN Certified Flight Registered Nurse 2024 exam Questions
CFRN - BCEN Certified Flight Registered Nurse 2024 exam cram
CFRN - BCEN Certified Flight Registered Nurse 2024 exam Questions
CFRN - BCEN Certified Flight Registered Nurse 2024 testprep
CFRN - BCEN Certified Flight Registered Nurse 2024 study help
CFRN - BCEN Certified Flight Registered Nurse 2024 information search

Other Nursing Practice Tests


ACNP-BC Questions and Answers | NLN-PAX practice questions | CBIC-CIC practice questions | PCE-CCE Free exam PDF | WHNP-BC mock exam | NLN-CNEcl free questions | ACLPN practical test | RNC-NIC Latest Topics | PSNCB-CPSN free prep | CMCN english test questions | BONENT-CHT exam cram | NPDA-BC pass marks | NCSBN-MACE practice exam | ACHPN exam results | CRNE mock questions | ADM-BC exam preparation | SOCRA-CCRP practice exam | CRNA past exams | ONCB-ONP-C online exam | NCCHC-CCHP-A free exam practice |


Best practice questions You Ever Experienced


WCNA exam prep | CTAL-TM-001 free questions | AIE02 PDF Download | CAU302 exam questions | 050-730 practice exam | CKA exam Questions | C-ONQS practice test | DP-900 exam Questions | 2V0-51.23 free exam papers | MB-300 pass marks | FCESP test exam | IBCLC download | FAR Latest Topics | ACLS exam prep | ATM assessment test sample | 2V0-31.21 Study Guide | 1T6-511 study material | CMT-Level-II study help | C1000-176 online exam | 101-500 boot camp |





References :


http://killexams-braindumps.blogspot.com/2020/06/free-dumps-of-cfrn-exam-questions.html
https://killexams-posting.dropmark.com/817438/23623437
https://www.instapaper.com/read/1321182244
https://www.coursehero.com/file/67760154/Certified-Flight-Registered-Nurse-CFRNpdf/
https://youtu.be/Zs4Rl3rc8rw
https://sites.google.com/view/killexams-cfrn-exam-brain-dump
https://files.fm/f/aj8v8h77q
http://feeds.feedburner.com/RealCfrnQuestionsThatShowedUpInTestToday



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






Direct Download

CFRN 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.

CFRN Reviews

100% Valid and Up to Date CFRN 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