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 CMSRN?
Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der CMSRN: Certified Medical-Surgical Registered Nurse Prüfung.
2025 Updated Actual CMSRN questions as experienced in Test Center
Aktuelle CMSRN Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz
![]() MSNCB CMSRN : Certified Medical-Surgical Registered Nurse test Questions, MCQs and Practice TestPractice Test Organized by Richard |
Latest 2025 MCQs of MSNCB Certified Medical-Surgical Registered Nurse
CMSRN test Questions & Practice Test, MCQs in Premium PDF and Test Engine
MCQs VCE test and Free Test Engine Software - MCQs Updated on Daily Basis
Big Discount / Cheapest price & 100% Success Rate
CMSRN MCQs : Download 100% Free CMSRN test Questions (PDF and VCE)
Exam Number : CMSRN
Exam Name : Certified Medical-Surgical Registered Nurse
Vendor Name : MSNCB
Update : Click Here to Check Latest Update
Total MCQs : Check Questions
Memorize CMSRN exam questions before attempting real test
Discover the most current and 2025-updated CMSRN Exam Questions featuring authentic test questions, designed to ensure a 100% successful outcome. Engage with their CMSRN Mock Exam and Answers to elevate your expertise and secure Excellent Marks on your Certified Medical-Surgical Registered Nurse exam. They ensure your triumph in the genuine CMSRN test by comprehensively covering all test courses and enhancing your mastery of the CMSRN subject matter. Achieve success with confidence using their CMSRN Exam Cram Practice Test.
To ensure success in the genuine MSNCB CMSRN exam, relying solely on CMSRN textbooks or free Study Guide available online is insufficient, as the real test includes tricky questions that can confuse candidates and lead to failure. Killexams.com offers a reliable solution by providing authentic CMSRN questions in the form of exam MCQs and a VCE test simulator. You can obtain 100% free CMSRN Study Guide to evaluate the quality before registering for the full version.
We provide actual CMSRN test Questions and Answers in two formats: CMSRN PDF files and CMSRN VCE test simulator. Their materials enable you to pass the MSNCB CMSRN test swiftly and effectively. The CMSRN actual test PDF format is accessible on any device and can be printed for a personalized study guide. With a pass rate of 98.9% and a 98% similarity between their CMSRN study guide and the actual exam, Killexams.com is your key to acing the CMSRN test on your first attempt. Visit killexams.com for the MSNCB CMSRN real test preparation.

CMSRN test Format | CMSRN Course Contents | CMSRN Course Outline | CMSRN test Syllabus | CMSRN test Objectives
- Nursing process - exam, diagnosis, planning, implementation, evaluation
- Patient safety protocols
- skin
- falls
- restraints
- rounding
- suicide
- Risk factors
- pharmacological
- environment
- equipment
- demographics
- Patient safety culture
- near miss reporting
- "just culture"
- "speak up"
- high accountable organizations
- Care bundles
- checklist
- algorithms
- Patient safety exams and reporting
- abuse
- human trafficking
- social determinants
- Risk test methods
- Root Cause Analysis [RCA]
- Failure Mode and Effects Analysis [FMEA]
- safety rounds, safety huddles
- Universal and transmission-based precautions
- Infection control practices and standards
- Current evidence-based practice for infection control and prevention procedures
- Antimicrobial stewardship
- surgical scrub
- antibiotics
- probiotics
- Safe medication administration practices
- interaction
- adverse reaction
- intravenous therapy
- Patient medication education
- Polypharmacy
- Safe drug management and disposal (e.g., stewardship, home medication management)
- Advanced access devices (i.e., ports, central lines, epidurals)
- Financial implications to patients
- Chronic and/or acute pain management (e.g., pharmacological, non-pharmacological, multimodal)
- Patient pain management expectations
- Patient advocacy Non-Pharmacological Interventions
- Non-pharmacological interventions (e.g., repositioning, heat or cold)
- Complementary and alternative therapies (e.g., acupuncture, aromatherapy)
- Pre- and post-procedural unit standards (e.g., consent, timeout, frequent monitoring)
- Pertinent potential complications and management
- Scope of practice related to procedures (e.g., moderate/procedural sedation)
- Supplies, instruments, and equipment
- Individualized nutritional needs (e.g., malnutrition, disease processes, complications, cultural)
- Nutrition administration modalities (e.g., enteral, parenteral)
- Resources for alternate nutrition administration (e.g., speech consultation, dietary consultation)
- Indications for alternate nutrition administration
- Patient-centered care (e.g., active listening, communication preferences, family involvement, health goals.
- Resources for patient-centered care
- Patient advocacy
- Patient satisfaction management (e.g., grievances, concerns regarding practices, second opinion, service recovery)
- Cultural and linguistic needs (e.g., sign, oral, and written languages)
- Cultural and linguistic resources (e.g., translated materials, interpreter services)
- Implicit bias
- Health maintenance and disease prevention
- Health literacy
- Teaching methods
- Health promotion goals
- Resources available for patient/family
- Health information to meet patient needs
- Palliative or end-of-life patient/caregiver resources (e.g., hospice, spiritual, cultural, physical)
- End-of-life preferences (e.g., advance directives, code status)
- Post-mortem care
- Organ donation process
- Regulatory requirements for reporting death (e.g., coroner's case)
- Nursing process - exam, diagnosis, planning, implementation, evaluation
- Strategies to individualize care
- Role within the interdisciplinary team (e.g., teamwork, communication skills)
- Interprofessional rounding
- Care coordination
- Collaborative problem solving
- Community resources
- Interdisciplinary collaboration integration methods (e.g., discharge planning, mobility, physical therapy)
- Health history test from multiple sources
- Discharge procedures (e.g., medication reconciliation)
- Patient/family centered care
- Care coordination and transition
- Interprofessional roles and responsibilities
- Continuum of care
- Patients at risk for readmissions
- Social determinants of health
- Quality patient outcome measures
- Documentation of patient care
- Electronic health records
- Downtime procedures
- Coaching for documentation performance improvement
- Technology, equipment use, and troubleshooting
- Technology trends in health care
- Nursing informatics
- Chain of command
- Communication skills (e.g., active listening, verbal, non-verbal, written, conflict resolution, mediation)
- Information sharing (e.g., Situation, Background, Assessment, Recommendation [SBAR], hand-off, closed-loop, check- back, read-back, huddle, verbal orders, bedside report, interdisciplinary)
- Communication barriers (e.g., need for interpreter/translator, physical and cognitive limitations)
- De-escalation techniques (e.g., verbal intervention, calm communication)
- Time management and prioritization of care
- Crisis situations and resources (e.g., rapid response team, deteriorating patients, early warning systems)
- Crisis management
- Critical thinking
- self-regulation
- problem solving
- analysis
- interpretation
- inference
- Workplace safety
- physical
- emotional
- environmental
- Nurse resiliency and well-being
- Unintended consequences
- moral distress
- moral injury
- compassion fatigue
- burnout
- Resource allocation (e.g., staffing, equipment)
- Peer accountability
- Scope of practice and code of ethics for nurses per local and regional nursing bodies
- Code of Ethics for Nurses with Interpretive Statements
- Standard V of the AMSN Scope and Standards
- local governing Scope of Practice
- Patients rights and responsibilities
- Professional reporting and resources (e.g., ethics, scope of practice, unsafe practice)
- Policies, procedures, regulatory and licensure requirements, standards of practice, and applicable state, federal, and local laws
- Evidence-based guidelines for nursing sensitive indicators
- Quality standards and policies
- Continuous quality and process improvement
- Nursing professional practice model
- Adverse event reporting
- Patient customer experience based on data results (e.g., surveys, value-based purchasing)
- Service recovery
- Project development
- Legislative and licensure requirements
- Evidence-based practice principles
- Research process
- Delegation and/or supervision practices
- Scope of practice (e.g., licensed and unlicensed team members)
- Prioritization skills (e.g., disease process)
- Budgetary considerations (e.g., supplies, staffing, fiscal efficiency)
- Professional engagement
- Mentoring and coaching resources
- Reflective practice
- Roles and responsibilities
- Coaching and learning theories
- Professional empowerment
- Orientation planning and preceptor best practices
- Career development resources (e.g., education, training)
- Professional nursing practice and individual competencies
- Professional behaviors (e.g., network, participate in professional organization)
- Clinical judgement
- Peer review methods
- Educational needs exam
- Regulatory and compliance standards
- Organizational structure
- Shared decision-making
- Nursing philosophy
- Leadership models
- Nursing care delivery systems
- Change management (e.g., Awareness, Desire, Knowledge, Ability, Reinforcement [ADKAR])
- Recruitment and retention
- Employee engagement
- Staff advocacy
- Conflict management
- Financial stewardship
- Emergency procedures
- Hospital incident command structure
Killexams Review | Reputation | Testimonials | Feedback
Save your money and time; take these CMSRN Questions and Answers and prepare for the exam.
Selecting Killexams.com for my CMSRN test preparation was undoubtedly a wise decision. The patterns and questions were distributed evenly, allowing me to significantly raise my understanding and performance by the time I reached the final simulation exam. I truly appreciate the effort and honesty of the team, and I sincerely thank them for their unwavering support in helping me pass the exam.
How much does the dumps collection with real practice tests for the CMSRN test cost?
CMSRN materials were essential to my test preparation. Their unique approach and comprehensive content helped me achieve a 92% score. The way they simplified complex courses made studying much more manageable. Thanks to their support, I was able to excel in my exam.
It is very easy to get certified in the CMSRN test with these Questions and Answers.
When I learned about updates to the CMSRN exam, I was concerned about my preparation materials. Killexams.com quickly reassured me that killexams practice tests of test questions were up to date, with new questions added. Their excellent customer support and updated resources give me confidence for my upcoming exam.
I just memorized CMSRN test questions; there is nothing like this.
Valid test Questions and Answers made passing the CMSRN test a breeze, even with limited study time. Their test questions package was spot-on, offering relevant and accurate questions that aligned with the exam. Though the volume of material felt daunting at first, I quickly got the hang of it and had a great experience preparing with their resources.
Little study for the CMSRN test leads to great success.
Killexams.com provided me with access to high-quality training materials for the CMSRN exam. After exploring their trial resources, I chose killexams practice tests, which helped me grasp essential concepts and answer questions efficiently. I am grateful for their guidance and highly recommend Killexams.com as a trusted study coach.
MSNCB Registered PDF Questions
CMSRN Exam
| Question: What is the simplest way to read and pass CMSRN exam? Answer: Killexams test prep greatly help you to pass your exam. These CMSRN test questions are taken from actual test sources, that's why these CMSRN test 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 CMSRN questions are sufficient to pass the exam. After registering at the killexams.com website, obtain the full CMSRN test version with a complete CMSRN question bank. Memorize all the questions and practice with the test simulator again and again. You will be ready for the actual CMSRN test. All the CMSRN Questions and Answers are up to date with the latest CMSRN syllabus and test contents. |
| Question: What is the best website for CMSRN practice test? Answer: The best CMSRN VCE test website is killexams.com. It offers the latest and up-to-date CMSRN test Questions and Answers to memorize and pass the test on the first attempt. |
| Question: If I do not find my test from search, what should I do? Answer: Write the shortest query in the search box at https://killexams.com/search so that you can see all results related to your exam. If you want to search for some IBM test and you did not find it, you can just write IBM and see all the exams related to IBM. It will be far easy for you to select from the list of all IBM exams. |
| Question: How much time I need to spend on CMSRN test prep? Answer: It is up to you. You can pass your test within the shortest possible time. If you are free and you have more time to study, you can prepare for an test even in 24 hours. But they recommend taking your time to study and practice CMSRN VCE test until you are sure that you can answer all the questions that will be asked in the actual CMSRN exam. Visit killexams.com and register to obtain the complete dumps collection of CMSRN test test prep. These CMSRN test questions are taken from actual test sources, that's why these CMSRN test 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 CMSRN questions are sufficient to pass the exam. |
| Question: How can I contact killexams customer support? Answer: You can contact customer support via live chat or email to support. Their customer support team handles all queries regarding an order, exams, downloads, and related queries. |
https://www.pass4surez.com/art/read.php?keyword=MSNCB+Registered+PDF+Questions&lang=us&links=remove
Choosing the right resource for certification preparation can be challenging, as candidates seek reliable, high-quality and accurate materials to ensure success. Killexams.com is dedicated to providing top-tier practice tests containing actual questions, meticulously updated to maintain accuracy and relevance. Their commitment to excellence has earned the trust of countless satisfied candidates who have successfully passed their exams with ease and confidence. At Killexams.com, they prioritize quality, credibility, and customer satisfaction, ensuring their practice tests, PDF questions, and test simulators are designed to deliver exceptional value. They stand by their reputation, built on consistent positive feedback and proven results. Be cautious of misleading claims from competitors attempting to undermine their trusted service. With thousands of successful candidates and a robust suite of preparation tools, Killexams.com is your dependable partner for certification success. Explore their trial questions and test simulators to experience why they are recognized as a leading provider of certification practice tests.
Which is the best practice tests website?
Sure, Killexams is 100% legit in addition to fully efficient. There are several includes that makes killexams.com reliable and respectable. It provides up-to-date and 100% valid test questions made up of real exams questions and answers. Price is minimal as compared to a lot of the services on internet. The Questions and Answers are up graded on standard basis by using most latest questions. Killexams account make and solution delivery is incredibly fast. Submit downloading is usually unlimited and very fast. Assistance is avaiable via Livechat and E mail. These are the characteristics that makes killexams.com a strong website that supply test prep with real exams questions.
Is killexams.com test material dependable?
Many websites claim to provide actual test 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 test Questions. Every question in the Killexams.com MCQs is reliable, verified, and kept up-to-date by certified professionals who monitor daily test updates.
If you want to pass your test quickly while also improving your knowledge of the latest syllabus topics, they strongly recommend downloading the PDF MCQs, test Questions and VCE 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 test 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 test at the Test Center and achieve success.
CNEcl pass marks | CertRAL320 testprep | GAFM-COM free pdf | NICCL dumps obtain | EX200 mock questions | Alabama-Salesperson pdf questions | MS-721 test braindumps | HPE3-U01 braindumps | NCG001 Questions and Answers | GAFM-ChAVP mock test | 312-85 test engine | GAFM-CCCP mock test | GAFM-CCWM VCE test | CTL-001 actual qeustions | AFPP questions answers | JPR-944 test Cram | Florida-Property-and-Casualty free questions | GAFM-CICP actual questions | CBAF-001 test questions | 4A0-108 VCE test |
CMSRN - Certified Medical-Surgical Registered Nurse Premium PDF
CMSRN - Certified Medical-Surgical Registered Nurse Free test PDF
CMSRN - Certified Medical-Surgical Registered Nurse study help
CMSRN - Certified Medical-Surgical Registered Nurse Practice Test
CMSRN - Certified Medical-Surgical Registered Nurse PDF Download
CMSRN - Certified Medical-Surgical Registered Nurse Question Bank
CMSRN - Certified Medical-Surgical Registered Nurse answers
CMSRN - Certified Medical-Surgical Registered Nurse Free PDF
CMSRN - Certified Medical-Surgical Registered Nurse practice tests
CMSRN - Certified Medical-Surgical Registered Nurse Latest Topics
CMSRN - Certified Medical-Surgical Registered Nurse test
CMSRN - Certified Medical-Surgical Registered Nurse Latest Topics
CMSRN - Certified Medical-Surgical Registered Nurse test syllabus
CMSRN - Certified Medical-Surgical Registered Nurse Practice Questions
CMSRN - Certified Medical-Surgical Registered Nurse real questions
CMSRN - Certified Medical-Surgical Registered Nurse Practice Questions
CMSRN - Certified Medical-Surgical Registered Nurse questions
CMSRN - Certified Medical-Surgical Registered Nurse test prep
CMSRN - Certified Medical-Surgical Registered Nurse practice tests
CMSRN - Certified Medical-Surgical Registered Nurse cheat sheet
CMSRN - Certified Medical-Surgical Registered Nurse premium pdf
CMSRN - Certified Medical-Surgical Registered Nurse testing
CMSRN - Certified Medical-Surgical Registered Nurse test Cram
CMSRN - Certified Medical-Surgical Registered Nurse test help
CMSRN - Certified Medical-Surgical Registered Nurse cheat sheet
CMSRN - Certified Medical-Surgical Registered Nurse PDF questions
CMSRN - Certified Medical-Surgical Registered Nurse Questions and Answers
CMSRN - Certified Medical-Surgical Registered Nurse Question Bank
CMSRN - Certified Medical-Surgical Registered Nurse PDF Questions
CMSRN - Certified Medical-Surgical Registered Nurse boot camp
CMSRN - Certified Medical-Surgical Registered Nurse outline
CMSRN - Certified Medical-Surgical Registered Nurse practice tests
CMSRN - Certified Medical-Surgical Registered Nurse PDF Download
CMSRN - Certified Medical-Surgical Registered Nurse guide
CMSRN - Certified Medical-Surgical Registered Nurse practice tests
CMSRN - Certified Medical-Surgical Registered Nurse Practice Questions
CMSRN - Certified Medical-Surgical Registered Nurse Premium PDF
CMSRN - Certified Medical-Surgical Registered Nurse real questions
CMSRN - Certified Medical-Surgical Registered Nurse learn
CMSRN - Certified Medical-Surgical Registered Nurse Questions and Answers
CMSRN - Certified Medical-Surgical Registered Nurse test questions
CMSRN - Certified Medical-Surgical Registered Nurse information source
CMSRN - Certified Medical-Surgical Registered Nurse learn
CMSRN - Certified Medical-Surgical Registered Nurse Question Bank
Other MSNCB MCQs and Practice Test
MSNCB past exams | CCTM model question | CMSRN test Questions |
Best MCQs and VCE test You Ever Experienced
CCCP-001 test Questions | CPA-22-02 model question | IQ0-100 trial test questions | SAFe-DevOps free questions | GAFM-CBS prep questions | Sitecore-10-NET-Developer test answers | Agile-Scrum-Foundation Braindumps | ACE001 Practice Test | CIS-FSM test questions | GAFM-CPS free questions | NE-BC practice exam | AACE-CFCC actual questions | ABPN-VNE latest pdf | GAFM-CIPP prep questions | CMGT-BC actual questions | 7392X cheatsheet | GAFM-FAD free study guide | MB-310 pass guarantee | GAFM-CPAM practice questions | GAFM-CRMO dumps questions |
References :
Similar Websites :
Pass4sure Certification test Practice Tests
Pass4Sure Certification Question Bank
CMSRN 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.
100% Valid and Up to Date CMSRN 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
