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 CNOR?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der CNOR: Certified Nurse Operating Room Prüfung.

2023 Updated Actual CNOR questions as experienced in Test Center

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

Certified Nurse Operating Room actual questions with Latest CNOR practice questions | https://www.easyfinanz.cc/

Medical CNOR : Certified Nurse Operating Room ACTUAL EXAM QUESTIONS

Exam Dumps Organized by Martha nods



Latest 2023 Updated Syllabus
CNOR ACTUAL EXAM QUESTIONS | Latest Braindumps with genuine Questions

Real Questions from Latest syllabus of CNOR - Updated Daily - 100% Pass Guarantee



CNOR trial Questions : Download 100% Free CNOR ACTUAL EXAM QUESTIONS (PDF and VCE)

Exam Number : CNOR
Exam Name : Certified Nurse Operating Room
Vendor Name : Medical
Update : Click Here to Check Latest Update
Question Bank : Check Questions

Receive 100% signifies in CNOR test with one of these PDF Download
We are all proud of assisting folks to pass the particular CNOR analyze in their particular very first tries with their CNOR Practice Questions as well as Latest Topics. The accomplishment in the particular past two yrs is readily absolutely amazing, because of the pleased Certified Nurse Operating Room clients which are right now in a position to increase their job in the speedy lane. killexams.com would be the number solitary choice between professionals, specifically the particular varieties that are normally looking to rise in the structure levels faster within their re also

It can be a major challenge to pick good exam dumps companies from a lot of terrible deposits suppliers. Presuming your desire end up on the terrible exam dumps supplier, your following affirmation can turn into a negative dream. It appears as though loser after you fizzle from the confirmation check. This is because, you counted on invalid in addition to obsolete companies. They are not really saying that CNOR Practice Questions provider is actually a fake. There are numerous good CNOR real quiz questions companies that have their very own resources for getting most up-to-date and good CNOR Practice Questions. killexams.com is certainly one of them. They now have their own group that records 100% good, up to date in addition to reliable CNOR Free test PDF engage in the genuine test similar to charm. Just visit https://killexams.com/pass4sure/exam-detail/CNOR and down load 100% cost-free braindumps regarding CNOR quiz and overview. If you feel pleased, register for CNOR Free test PDF LIBRO ELECTRONICO full model with VCE practice ensure that you become a member of good achievers. They all value their own great clients. You will definitely send people your testimonials about CNOR test expertise later following passing genuine CNOR quiz.

Sometimes, cross the quiz does not matter by any means, but knowing the syllabus will be required. This is the circumstance in CNOR exam. You can expect genuine quiz questions in addition to answers regarding CNOR check that will assist you having getting a good score from the test, the issue is absolutely not simply breezing through the CNOR test a. They deliver VCE test process to further build your insight with regards to CNOR syllabus so you can recognise the center concepts of CNOR targets. This is certainly truly important. It is not by any means easy. Staff has well prepared CNOR questions bank which will actually deliver you excellent understanding of subject areas, along with surety to pass typically the test at the beginning attempt. Certainly not under imagine the power of their own CNOR VCE test sim. This will assist you lot to understand and memorizing CNOR questions with its exam dumps PDF in addition to VCE.

Top features of Killexams CNOR Free test PDF
-> Quick CNOR Free test PDF get Gain access to
-> Comprehensive CNOR Questions in addition to Answers
-> 98% Success Level of CNOR test
-> Confirmed genuine CNOR test questions
-> CNOR Concerns Updated about Regular foundation.
-> Valid in addition to 2022 Kept up to date CNOR ACTUAL EXAM QUESTIONS
-> 100 % Portable CNOR test Documents
-> Full highlighted CNOR VCE test Sim
-> No Control on CNOR test Obtain Access
-> Excellent Discount Coupons
-> 100 % Secured Obtain Account
-> 100 % Confidentiality Made sure
-> 100% Accomplishment guarantee
-> 100 % Free braindumps trial Questions
-> No Undetectable Cost
-> Not any Monthly Costs
-> No Automated Account Repair
-> CNOR Test Update Appel by E-mail
-> Free Tech support team

Test Detail in: https://killexams.com/pass4sure/exam-detail/CNOR
Charges Details in: https://killexams.com/exam-price-comparison/CNOR
Observe Complete Collection: https://killexams.com/vendors-exam-list

Discount Discount on Entire CNOR Free test PDF Question Bank;
WC2020: 60 per cent Flat Lower price on each quiz
PROF17: 10% Further Lower price on Worth Greater than $69
DEAL17: 15% Further Lower price on Worth Greater than 99 dollars







CNOR test Format | CNOR Course Contents | CNOR Course Outline | CNOR test Syllabus | CNOR test Objectives


The Certified Perioperative Nurse (CNOR) credential is the only accredited certification for perioperative registered nurses. Earning the CNOR is a mark of distinction and demonstrates a commitment to upholding the highest standards in patient safety.
CNOR certification assesses the knowledge and skills of a perioperative nurse with a minimum of two years of clinical practice. More than 40,000 nurses internationally hold the CNOR credential and consider the designation a personal and professional accomplishment.

"Age-specific, anatomy & physiology, exam, diagnostic studies, documentation, laboratory results, nursing diagnosis, nursing process, NANDA, Perioperative Nursing Data Set (PNDS), pathophysiology, physical exam, preoperative fasting, vital signs"
"Allergies, complementary/alternative
medicine (CAM), herbs, illegal/illicit drugs, medication reconciliation, pharmacology, recreational drugs side effects" "Preoperative verification, site
marking, surgical safety checklist, The Joint Commission, time out, wrong site, wrong procedure, wrong person" "Alternatives, autonomy, benefits, complications, informed consent, patient rights, privacy, respect, risk" Advance directive, allow natural death (AND), CPR directive, DNR, living will, medical durable power of attorney, Patient Self- Determination Act (PSDA)
"Allergies, analgesia, narcotics, NSAIDS, nonpharmacological interventions, opioids, pain block, pain intensity scales, PCA, pharmacology, regional anesthesia, self-report, signs, symptoms, The Joint Commission"
"Nursing diagnoses, preoperative nursing interventions, patient needs"
"Age-specific, anxiety, behavioral responses, collaboration, comfort, cultural /ethnic diversity,"
"legal/ethical standards, pain management, physiological responses, patient-centered, resources, SCIP protocol, spiritual needs"
"Chemical, radiation, fire, laser, positioning"
"Hand hygiene, PPE, contact, droplet, airborne"
"Hyperthermia, hypothermia, infection control, infection prevention, patient temperature"
"control, perfusion, surgical procedure, wound classification, wound healing"
"Comfort, anxiety, medication, pain management, cultural, ethical, and spiritual needs"
"Body mechanics, chemical, counts, deep vein thrombosis, documentation, ergonomics, equipment, manufacturers instructions for use (IFU), fire, hazardous materials, lead aprons, National Patient Safety Goals, smoke plume, laser, laser goggles, positioning, radiation, tourniquet, Universal Protocol, WHO checklist"
"Patient dignity, modesty, privacy, positioning, skin prep antisepsis"
"Anesthesia agents, labeling, medications, pain management"
"Aseptic technique, expiration date, instruments, package integrity, sterile, surgical products"
"Air exchanges, humidity, noise, room temperature, traffic"
"Documentation, explant, implant, verification"
Autotransfusion, blood products, Continuity of care, hand-off/hand over, interdisciplinary, PACU, transfer of care criteria "Discharge, regulatory guidelines, wound care"
"Bioburden, biofilm, cleaning, critical item, decontamination, decontamination area, disinfection, documentation, enzymatic cleaner, FDA, germicide, high-level disinfection, loaner instrumentation, low-level disinfection, non-critical item, PPE, semi-critical item, Spaulding classification, ultrasonic cleaner"
Dynamic air removal, gravity displacement, hydrogen peroxide gas plasma sterilization, immediate use sterilization, implants, load, packaging, prevacuum, steam, sterilization
"Biological indicator, Bowie-Dick, chemical indicator, documentation, emulating indicators, load parameters, physical monitor, pressure, temperature, regulations, tracking"
"Controlled conditions, event related, regulatory requirements, shelf life, storage, time related, tracking, transportation, vendors"
"Blood, bloodborne pathogen, chemotherapy drugs, CJD, ETO, glutaraldehyde, radioactive materials"
"Bioburden, biofilm, cleaning, critical item, decontamination, decontamination area, disinfection, documentation, enzymatic cleaner, FDA, germicide, high-level disinfection, loaner instrumentation, low-level disinfection, non-critical item, PPE, semi-critical item, Spaulding classification, ultrasonic cleaner"
Dynamic air removal, gravity displacement, hydrogen peroxide gas plasma sterilization, immediate use sterilization, implants, load, packaging, prevacuum, steam, sterilization
"Biological indicator, Bowie-Dick, chemical indicator, documentation, emulating indicators, load parameters, physical monitor, pressure, temperature, regulations, tracking"
"Controlled conditions, event related, regulatory requirements, shelf life, storage, time related, tracking, transportation, vendors"
"Blood, bloodborne pathogen, chemotherapy drugs, CJD, ETO, glutaraldehyde, radioactive materials"
"Allergy, anaphylactic shock, anaphylaxis, latex free, latex safe, sensitivity, transfusion reaction"
"Advanced cardiac life support, basic life support, cardio- pulmonary resuscitation, ischemia, myocardial infarction"
"Acidosis, calcium, Dantrium, dantrolene sodium, dysrhythmia, hypercarbia, hyperkalemia, hypermetabolic, hyperthermia, tachycardia, trigger"
"Airway obstruction, anoxia, arterial blood gas, aspiration, atelectasis, bronchospasm, difficult airway, hypoxia, laryngospasm, pneumothorax, pulmonary edema, pulmonary embolism"
ARDS, autotransfusion, blunt trauma, DIC, diagnostic tests, DNR, end of life care, MAST, mechanism of injury, multisystem, organ donor, rapid sequence intubation, shock, trauma, traumatic brain injury, triage
Burn, explosion, flammable, fuel, ignition source, oxygen, RACE, PASS, thermal injury "Allied health care providers, competency, delegation, mentor, management, patient acuity, scope of practice, staff education, supervision, support personnel, UAP"
"Cost containment, environmental consciousness (go green), fiscal responsibility, product evaluation, product selection, recycling, reprocess, resource management, single-use device, supply management"
"Accountability, ethics, family, health care industry representative, loaner instrumentation, patient rights, patient privacy, student, vendor, visitor"
"Biologic implants, PPE, preventive maintenance, room turnover, spills, terminal cleaning"
"Accrediting agency, advocacy, best practice, board of nursing, community standard, evidence- based practice, guidelines, nurse practice act, patient rights, position statement, recommended practices, regulation, regulatory standards,"
"scope of practice, standard, statute"
"Best practice, certification, competency, continuing education, life-long learning, professional organization, self- exam, staff education"
"Audit, best practice, change, evidence-based practice, information literacy, measures, performance improvement, Plan- Do-Study-Act, quality assurance, quality improvement, research, risk management, shared governance"
"Chain of command, collegiality, confidentiality, culture of safety, delegation, ethics, healthy work environment, horizontal violence, just culture, lateral violence, patient advocate, professional growth, professional standards"



Killexams Review | Reputation | Testimonials | Feedback


Where can i get help to read and pass CNOR exam?
Recently I purchased your certification bundle and studied it thoroughly. Last week I passed the CNOR and obtained my certification. killexams.com online test simulator was a top-notch device to put together the exam. That improved my self-assurance and I easily passed the certification exam! Highly endorsed!!! As I had less than one week left for test CNOR, I frantically searched for a few unique contents and stopped at killexams.com questions and answers. It changed into formed with short query-answers that were easy to understand. Within one week, I analyze as many questions as possible. In the exam, it becomes clear for me to control 83% score 50/60 accurate answers in due time. killexams.com changed into a great Answer for me. Thanks.


Keep in brain to get these updated brain dumps questions for CNOR exam.
This is to inform you that I passed the CNOR test the other day. killexams.com questions answers and test simulator was very useful, and I do not think I would have done it without it, with only a week of preparation. The CNOR questions are real, and this is exactly what I saw in the Test Center. Moreover, this prep corresponds with all the key issues of the CNOR exam, so I was fully prepared for a few questions that were slightly different from what killexams.com provided, yet on the same topic. However, I passed CNOR and happy about it.


Shortest way to pass, put together these CNOR Questions and answers.
that is to tell that I passed CNOR test the alternative day. killexams.com questions answers and test simulator turned into very useful, and I do not suppose I will have achieved it without it, with most effective every week of guidance. The CNOR questions are actual, and this is exactly what I noticed within the test center. moreover, this prep corresponds with all of the key problems of the CNOR exam, so I was prepared for a few questions that had been barely exclusive from what killexams.com provided, yet at the equal subject matter. but, I passed CNOR and was satisfied with it.


It is top class perfect to read CNOR test with real test questions.
I was trying to get prepared for my CNOR test that changed across the corner, I discovered myself to be lost inside the books and wandering far from the real factor. I did not understand an unmarried word and that changed into truly regarding because I had to prepare as quickly as feasible. Giving up on my books I determined to register myself on killexams.com and that turned into a first-class decision. I cruised through my CNOR test and was able to get decent marks so thanks very an awful lot.


It is fantastic to have CNOR examcollection and study guide.
When I was getting prepared up for my CNOR, It was very annoying to choose the CNOR study material. I found killexams.com while googling the best certification resources. I registered and saw the wealth of resources on it and used it to prepare for my CNOR exam. I pass it and I am so grateful to killexams.com.


Medical Certified outline



Whilst it is very hard task to choose reliable test Dumps resources regarding review, reputation and validity because people get ripoff due to choosing incorrect service. Killexams make it sure to provide its clients far better to their resources with respect to ACTUAL EXAM QUESTIONS update and validity. Most of other peoples ripoff report complaint clients come to us for the brain dumps and pass their exams enjoyably and easily. They never compromise on their review, reputation and quality because killexams review, killexams reputation and killexams client self confidence is important to all of us. Specially they manage killexams.com review, killexams.com reputation, killexams.com ripoff report complaint, killexams.com trust, killexams.com validity, killexams.com report and killexams scam. If perhaps you see any bogus report posted by their competitor with the name killexams ripoff report complaint internet, killexams.com ripoff report, killexams.com 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 a large number of satisfied customers that pass their exams using killexams.com brain dumps, killexams PDF questions, killexams practice questions, killexams test simulator. Visit their test questions and trial brain dumps, their test simulator and you will definitely know that killexams.com is the best brain dumps site.

Is Killexams.com Legit?
Of course, Killexams is completely legit together with fully well-performing. There are several attributes that makes killexams.com legitimate and reliable. It provides informed and completely valid ACTUAL EXAM QUESTIONS made up of real exams questions and answers. Price is very low as compared to most of the services on internet. The Dumps are kept up to date on standard basis together with most latest brain dumps. Killexams account arrangement and product delivery can be quite fast. Record downloading can be unlimited and really fast. Help support is avaiable via Livechat and Contact. These are the characteristics that makes killexams.com a strong website that deliver ACTUAL EXAM QUESTIONS with real exams questions.



Which is the best braindumps site of 2023?
There are several Dumps provider in the market claiming that they provide genuine test 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 2023 that understands the issue candidates face when they spend their time studying obsolete contents taken from free pdf get sites or reseller sites. Thats why killexams.com update test Dumps with the same frequency as they are updated in Real Test. ACTUAL EXAM QUESTIONS provided by killexams.com are Reliable, Up-to-date and validated by Certified Professionals. They maintain examcollection of valid Questions that is kept up-to-date by checking update on daily basis.

If you want to Pass your test Fast with improvement in your knowledge about latest course contents and syllabus of new syllabus, They recommend to get PDF test Questions from killexams.com and get ready for genuine 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 Dumps will be provided in your get Account. You can get Premium ACTUAL EXAM QUESTIONS files as many times as you want, There is no limit.

Killexams.com has provided VCE practice test Software to Practice your test by Taking Test Frequently. It asks the Real test 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 genuine Test. Go register for Test in Test Center and Enjoy your Success.




ADM-201 boot camp | OCN practice test | H13-821_V2.0-ENU actual questions | Servicenow-CAD pass marks | AD01 braindumps | CRT-450 practice questions | DES-5121 ACTUAL EXAM QUESTIONS | PCNSA test test | DES-6321 past exams | AD0-E709 free pdf | NS0-175 mock test | AD0-E452 practice test | HPE6-A46 Practice Questions | CAU201 practice questions | AD0-E314 test prep | 300-635 practice questions | 312-50v12 Free PDF | 44202T test questions | HPE2-K42 test prep | DMF-1220 prep questions |


CNOR - Certified Nurse Operating Room study tips
CNOR - Certified Nurse Operating Room Question Bank
CNOR - Certified Nurse Operating Room outline
CNOR - Certified Nurse Operating Room guide
CNOR - Certified Nurse Operating Room dumps
CNOR - Certified Nurse Operating Room Practice Questions
CNOR - Certified Nurse Operating Room genuine Questions
CNOR - Certified Nurse Operating Room study help
CNOR - Certified Nurse Operating Room dumps
CNOR - Certified Nurse Operating Room answers
CNOR - Certified Nurse Operating Room Study Guide
CNOR - Certified Nurse Operating Room Practice Test
CNOR - Certified Nurse Operating Room Questions and Answers
CNOR - Certified Nurse Operating Room braindumps
CNOR - Certified Nurse Operating Room Test Prep
CNOR - Certified Nurse Operating Room PDF Questions
CNOR - Certified Nurse Operating Room questions
CNOR - Certified Nurse Operating Room questions
CNOR - Certified Nurse Operating Room outline
CNOR - Certified Nurse Operating Room outline
CNOR - Certified Nurse Operating Room braindumps
CNOR - Certified Nurse Operating Room PDF Download
CNOR - Certified Nurse Operating Room tricks
CNOR - Certified Nurse Operating Room genuine Questions
CNOR - Certified Nurse Operating Room test Questions
CNOR - Certified Nurse Operating Room Study Guide
CNOR - Certified Nurse Operating Room test Cram
CNOR - Certified Nurse Operating Room ACTUAL EXAM QUESTIONS
CNOR - Certified Nurse Operating Room information search
CNOR - Certified Nurse Operating Room braindumps
CNOR - Certified Nurse Operating Room test Braindumps
CNOR - Certified Nurse Operating Room Free PDF
CNOR - Certified Nurse Operating Room syllabus
CNOR - Certified Nurse Operating Room braindumps
CNOR - Certified Nurse Operating Room test Questions
CNOR - Certified Nurse Operating Room certification
CNOR - Certified Nurse Operating Room test
CNOR - Certified Nurse Operating Room test Cram
CNOR - Certified Nurse Operating Room test Braindumps
CNOR - Certified Nurse Operating Room study help
CNOR - Certified Nurse Operating Room PDF Download
CNOR - Certified Nurse Operating Room test Cram
CNOR - Certified Nurse Operating Room syllabus
CNOR - Certified Nurse Operating Room test syllabus
CNOR - Certified Nurse Operating Room PDF Download
CNOR - Certified Nurse Operating Room test prep
CNOR - Certified Nurse Operating Room certification
CNOR - Certified Nurse Operating Room test contents
CNOR - Certified Nurse Operating Room Study Guide
CNOR - Certified Nurse Operating Room exam
CNOR - Certified Nurse Operating Room braindumps
CNOR - Certified Nurse Operating Room learn
CNOR - Certified Nurse Operating Room Real test Questions


GP-Doctor trial questions | GP-MCQS practice test | INBDE study guide | FPGEE test Questions |


Best Certification ACTUAL EXAM QUESTIONS You Ever Experienced


ABEM-EMC cram | EPPP test answers | CNA test practice | NPTE cheat sheet | CPM VCE | CCN online test | WHNP test Questions | DHORT practice test | ACNP model question | VTNE braindumps | CGRN Dumps | COMLEX-USA Free test PDF | Dietitian trial test questions | FPGEE boot camp | DTR study guide | BCNS-CNS test Cram | CNN Latest Questions | DANB practice questions | ANP-BC study guide | INBDE certification trial |





References :


http://killexams-braindumps.blogspot.com/2020/06/download-and-save-cnor-practice.html
https://killexams-posting.dropmark.com/817438/23697227
https://www.instapaper.com/read/1321505518
https://killexams-posting.dropmark.com/817438/23768923
https://www.4shared.com/office/s-oFO4ETiq/Certified-Nurse-Operating-Room.html
http://feeds.feedburner.com/PassingTheCnorExamIsSimpleWithKillexamscom
https://youtu.be/tUgArWFKPLU
http://ge.tt/94MThW83
https://www.4shared.com/video/dY1nysSgiq/Certified-Nurse-Operating-Room.html
https://spaces.hightail.com/space/v47qz1ixkg/files/fi-cb40b877-353e-4f22-9175-dd2f0a16d632/fv-5fbf66a6-04eb-4f9f-88a3-4b832d9a7796/Certified-Nurse-Operating-Room-(CNOR).pdf#pageThumbnail-1
https://www.coursehero.com/file/76743502/Certified-Nurse-Operating-Room-CNORpdf/
http://killexamsbraindumps2.isblog.net/cnor-certified-nurse-operating-room-real-exam-questions-by-killexams-com-14623885
https://justpaste.it/CNOR
https://www.clipsharelive.com/video/6153/132-s-816-1-specialist-modular-messaging-with-microsoft-exchange-implement-amp-support-elective-practice-test-with
https://sites.google.com/view/killexams-cnor-boot-camp
https://ello.co/killexamz/post/fbbfggll9ovpzwn94ei42w
http://killexams.decksrusct.com/blog/certification-exam-dumps/cnor-certified-nurse-operating-room-updated-cheat-sheet-by-killexams-com/
https://files.fm/f/b48unedsn



Similar Websites :
Pass4sure Certification ACTUAL EXAM QUESTIONS
Pass4Sure test Questions and Dumps






Direct Download

CNOR 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.

CNOR Reviews

100% Valid and Up to Date CNOR 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