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 CNS?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der CNS: ANCC Certified Clinical Nurse Specialist- Core (CNS-BC) Prüfung.

2025 Updated Actual CNS questions as experienced in Test Center

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

Nursing CNS : ANCC Certified Clinical Nurse Specialist, Core (CNS-BC) Practice Tests

Practice Tests Organized by Lee



Latest 2025 Updated Nursing ANCC Certified Clinical Nurse Specialist, Core (CNS-BC) Syllabus
CNS dumps questions with Premium PDF and Test Engine

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




CNS dumps questions : Download 100% Free CNS practice tests (PDF and VCE)

Exam Number : CNS
Exam Name : ANCC Certified Clinical Nurse Specialist, Core (CNS-BC)
Vendor Name : Nursing
Update : Click Here to Check Latest Update
Question Bank : Check Questions

Get CNS exam Mock Questions containing Valid genuine inquiries
To prepare for the CNS test, they recommend acquiring the most recent, legitimate, and cutting-edge CNS Questions and Answers, VCE practice test, and dedicating 24 hours to review. You can obtain valid, updated, and latest CNS Mock Exam with the VCE exam simulator from killexams.com. Study PDF files, take practice tests with VCE, and that's all you need.

At killexams.com, they offer the most recent, authentic, and updated Nursing ANCC Certified Clinical Nurse Specialist, Core (CNS-BC) dumps that are necessary to pass the CNS exam, which is a requirement to advance your position as a professional in your organization. Their objective is to help individuals pass the CNS exam on their first attempt, which is why their CNS Pass Guides remains at the top all the time. They owe their success to their customers who trust their PDF Questions and VCE for their real CNS exam. Killexams.com is the best in providing real CNS exam questions, and they always keep their CNS Latest Topics up-to-date.

Passing the real Nursing CNS exam is not an easy task to accomplish by using only CNS textbooks or free Latest Topics available on the internet. There are various scenarios and tricky questions that can confuse the candidate during the CNS exam. That's where killexams.com comes in by providing real CNS Study Guide in the form of PDF Questions and VCE exam simulator. To try it out, you can obtain their completely free CNS Latest Topics before registering for the full version of CNS Study Guide. You can verify the quality of Exam Questions and also get special discount coupons.

Many Pass Guides providers are available online, but most of them offer outdated CNS Pass Guides. To ensure that you get the most reliable and trustworthy CNS Latest Topics provider online, they recommend that you come to killexams.com. Don't waste your money by choosing unreliable sources. Instead, obtain their completely free CNS Latest Topics and test the trial questions. If you are satisfied, register and get three months of access to obtain the latest and valid CNS Pass Guides, which includes real exam questions and answers. You can also get CNS VCE exam simulator to prepare for the exam.







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


Exam Details for CNS (Clinical Nurse Specialist):

Number of Questions: The number of questions on the CNS exam varies depending on the specific certification and the organization administering the exam. The exact number of questions can range from around 100 to 200.

Time Limit: The time limit for the CNS exam also varies based on the organization and the specific certification. Typically, candidates are given a designated amount of time, such as 3 to 4 hours, to complete the exam.

Course Outline:
The course outline for a Clinical Nurse Specialist (CNS) certification may vary depending on the specialty area or organization offering the certification. However, the general focus of CNS certification revolves around advanced nursing practice in a specific clinical specialty. The course outline may include the following key areas:

1. Advanced Clinical Practice:
- Advanced exam and diagnostic skills
- Evidence-based practice and research utilization
- Advanced pharmacology and therapeutics
- Complex care management and coordination

2. Specialty Knowledge and Skills:
- In-depth knowledge of the specific clinical specialty (e.g., adult health, pediatrics, psychiatric-mental health, geriatrics)
- Specialty-specific exam, diagnosis, and treatment protocols
- Clinical procedures and interventions relevant to the specialty
- Collaborative care and interdisciplinary teamwork

3. Leadership and Advocacy:
- Role of the CNS as a leader and change agent
- Quality improvement and patient safety initiatives
- Policy and advocacy in healthcare
- Ethical considerations in advanced nursing practice

4. Education and Consultation:
- Teaching and mentoring strategies for patients, families, and healthcare professionals
- Patient and family education
- Consultation and collaboration with other healthcare providers
- Program development and evaluation

Exam Objectives:
The CNS exam aims to assess the following objectives:

1. Evaluate the candidate's knowledge and understanding of advanced clinical practice in the specific clinical specialty.
2. Assess the candidate's ability to apply evidence-based practice and research in clinical decision-making and care delivery.
3. Determine the candidate's proficiency in specialty-specific exam, diagnosis, treatment, and management.
4. Evaluate the candidate's leadership skills and ability to advocate for patients and the nursing profession.
5. Assess the candidate's ability to provide education, consultation, and mentorship to patients, families, and healthcare professionals.

Exam Syllabus:
The specific exam syllabus for the CNS certification will depend on the organization offering the certification and the chosen clinical specialty. The syllabus typically covers the following areas:

1. Advanced Clinical Practice
- Advanced exam and diagnostic skills
- Evidence-based practice and research utilization
- Pharmacology and therapeutics
- Complex care management

2. Specialty Knowledge and Skills
- Specialty-specific knowledge and protocols
- Clinical procedures and interventions
- Collaboration and interdisciplinary teamwork

3. Leadership and Advocacy
- Role of the CNS as a leader and change agent
- Quality improvement and patient safety
- Policy and advocacy in healthcare
- Ethical considerations

4. Education and Consultation
- Teaching and mentoring strategies
- Patient and family education
- Consultation and collaboration
- Program development and evaluation

Candidates preparing for the CNS certification exam should review the course materials, guidelines, and resources provided by the certifying organization. It is essential to study the relevant clinical specialty, including the latest research, guidelines, and best practices, to ensure readiness for the exam.



Killexams Review | Reputation | Testimonials | Feedback


The right place to find the latest practice questions papers.
I was worried about my schooling and didn't want my parents to find out. I knew that performing well on my CNS exam would cover my errors and regain my parents' trust. killexams.com provided me with appropriate commands and helped me pass the exam with ease. I am grateful to killexams.com for its guidance and support.


Get comprehensive information to prepare for the CNS exam.
I panicked when my CNS test was just a week away, and I realized that I had lost my syllabus. The syllabus is the most critical document during the instruction duration, and I was unable to figure out how to cope with the situation. However, a friend recommended killexams.com to me, and I cannot thank them enough for making me aware of such a blessing. Preparation became much less complicated with the help of the CNS syllabus, which I obtained through the website.


All real test questions of the CNS exam! Are you kidding?
I relied on killexams.com for my CNS exam and passed with top marks. It was the right decision to make because they provided real CNS exam questions and answers, just like what I saw on the real exam. Correct CNS practice questions are hard to find, so I didn't depend on free practice test. The practice questions they provided were updated all the time, so I had the latest facts and was able to pass effortlessly. It was superb exam preparation.


A little effort is required to read the CNS real exam bank.
I was disappointed when I failed my CNS exam, but I found killexams.com online, which provided me with the resources I needed to pass the exam quickly. I purchased the CNS preparation pack, which contained questions, answers, and an exam simulator. I prepared well and scored 98%. I am grateful to the killexams.com team for their support.


I'm happy to know that the latest CNS practice tests are available right here.
If you want to ace your online CNS exams, then look no further than killexams.com and their CNS exam example papers, which are a true reflection of the real test. I scored 95% on the final exam, and I credit killexams.com for boosting my self-confidence.


Nursing (CNS-BC) exam Questions

CNS Exam

User: Hattie*****

When the cns exam was just one week away, I was nervous about my score. A colleague recommended that I use the Killexams.com Questions and Answers, and I decided to follow their advice. Thanks to their guide, I scored an impressive 90%. I am grateful to my colleague for introducing me to Killexams.com.
User: Tawnya*****

I recommend Killexams.com to anyone who is taking the cns exam because it not only provides comprehensive theory in the workbook but also gives a great idea about the type of questions that may be asked. It was a great help for the cns exam. Thank you, Killexams.com team!
User: Simeon*****

Thanks to Killexams.com practice tests, I managed to pass the CNS exam. I am grateful for this and take this opportunity to thank them once again. The Braindumps and exam simulator were both supportive and detailed. I highly recommend this website for certification exams.
User: Vlad*****

I highly recommend killexams.com to all students who plan to take the CNS exam. This exam preparation is better than any book, as it provides authentic questions that are similar to those you will face in the real exam. The questions are relevant and informative, without any unnecessary or irrelevant content. My friends and I had an excellent experience with Killexams, and they are confident in recommending it to their peers.
User: Simon*****

As an administrator, I was struggling to prepare for the CNS exam with study books. I found it challenging to memorize the relevant answers to the questions, but when I came across killexams.com, it made me confident and helped me attempt 60 questions in just 80 minutes effortlessly. I passed the exam without any difficulty and would only recommend killexams.com to my friends and colleagues for their preparation. Thank you, killexams.com.

CNS Exam

Question: I want to take real exam tomorrow, can I check update on demand?
Answer: Yes, it is always helpful to contact support if you are ready to take the exam soon. Their team checks the validity of Braindumps before you finally go for the real test. If there will be any pending update, you will get that.
Question: Are these questions/answers of CNS legal?
Answer: As far as legality is concerned, it is your right to use any book or questions to Strengthen your knowledge. These CNS Braindumps are to the point knowledge source about the exam topics.
Question: Should I try this outstanding material updated CNS test prep?
Answer: It is best to experience killexams CNS questions and study guides for your CNS exam because these CNS practice questions are specially collected to ease the CNS exam questions when asked in the real test. You will get good scores on the exam.
Question: Does Killexams guarantees its contents will help me in real test?
Answer: Yes, killexams ensures your success with up-to-date and valid CNS exam test prep and the best exam simulator for practice. If you memorize all the Braindumps provided by killexams, you will surely pass your exam.
Question: I need my exam purchase invoice, where I should contact?
Answer: You can ask for your exam purchase invoice any time by sending an email to support. Their team will send your purchase invoice in PDF format that you can submit to your company or anywhere you want your expense recovery.
Nursing+%28CNS-BC%29+Exam+Questions
https://www.pass4surez.com/art/read.php?keyword=Nursing+%28CNS-BC%29+Exam+Questions&lang=us&links=remove



Obviously it is hard task to pick solid certification Braindumps concerning review, reputation and validity since individuals get scam because of picking bad service. Killexams.com ensure to serve its customers best to its value concerning actual questions update and validity. The vast majority of customers scam by resellers come to us for the actual questions and pass their exams cheerfully and effectively. They never trade off on their review, reputation and quality because killexams review, killexams reputation and killexams customer certainty is vital to us. Specially they deal with killexams.com review, killexams.com reputation, killexams.com scam report grievance, killexams.com trust, killexams.com validity, killexams.com report. In the event that you see any false report posted by their competitors with the name killexams scam report, killexams.com failing report, killexams.com scam or something like this, simply remember there are several terrible individuals harming reputation of good administrations because of their advantages. There are a great many successful clients that pass their exams utilizing killexams.com exam dumps, killexams PDF questions, killexams questions bank, killexams VCE exam simulator. Visit their specimen questions and test exam dumps, their exam simulator and you will realize that killexams.com is the best brain dumps site.

Which is the best practice tests website?
Absolutely yes, Killexams is totally legit along with fully trustworthy. There are several characteristics that makes killexams.com traditional and legitimized. It provides recent and totally valid exam questions containing real exams questions and answers. Price is nominal as compared to almost all the services on internet. The Braindumps are up-to-date on common basis utilizing most recent questions. Killexams account set up and device delivery is quite fast. Record downloading is definitely unlimited and extremely fast. Service is avaiable via Livechat and E mail. These are the features that makes killexams.com a sturdy website that offer exam prep with real exams questions.



Is killexams.com test material dependable?
There are several Braindumps 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 Braindumps 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 questions 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 Braindumps will be provided in your obtain Account. You can obtain Premium practice questions files as many times as you want, There is no limit.

Killexams.com has provided VCE practice questions 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.




AAMA-CMA obtain | GERO-BC study guide | SOCRA-CCRP pdf obtain | ANCB-CARN english test questions | VCS-285 question test | 2V0-41.20 dumps questions | NSE7_ADA-6.3 free online test | HPE7-A01 free practice tests | HH0-220 test example | ISSMP practice exam | 2V0-21.20 mock exam | CVPM study guide | CPHQ exam prep | CIFC practice questions | Hadoop-PR000007 free pdf | ICGB certification trial | CHPN assessment test trial | 050-v71x-CSESECURID model question | AZ-801 test prep | F50-528 free prep |


CNS - ANCC Certified Clinical Nurse Specialist, Core (CNS-BC) test questions
CNS - ANCC Certified Clinical Nurse Specialist, Core (CNS-BC) real questions
CNS - ANCC Certified Clinical Nurse Specialist, Core (CNS-BC) PDF questions
CNS - ANCC Certified Clinical Nurse Specialist, Core (CNS-BC) outline
CNS - ANCC Certified Clinical Nurse Specialist, Core (CNS-BC) exam cram
CNS - ANCC Certified Clinical Nurse Specialist, Core (CNS-BC) book
CNS - ANCC Certified Clinical Nurse Specialist, Core (CNS-BC) test questions
CNS - ANCC Certified Clinical Nurse Specialist, Core (CNS-BC) PDF Download
CNS - ANCC Certified Clinical Nurse Specialist, Core (CNS-BC) Premium PDF
CNS - ANCC Certified Clinical Nurse Specialist, Core (CNS-BC) answers
CNS - ANCC Certified Clinical Nurse Specialist, Core (CNS-BC) learn
CNS - ANCC Certified Clinical Nurse Specialist, Core (CNS-BC) test
CNS - ANCC Certified Clinical Nurse Specialist, Core (CNS-BC) premium pdf
CNS - ANCC Certified Clinical Nurse Specialist, Core (CNS-BC) exam Questions
CNS - ANCC Certified Clinical Nurse Specialist, Core (CNS-BC) questions
CNS - ANCC Certified Clinical Nurse Specialist, Core (CNS-BC) testprep
CNS - ANCC Certified Clinical Nurse Specialist, Core (CNS-BC) education
CNS - ANCC Certified Clinical Nurse Specialist, Core (CNS-BC) cheat sheet
CNS - ANCC Certified Clinical Nurse Specialist, Core (CNS-BC) exam
CNS - ANCC Certified Clinical Nurse Specialist, Core (CNS-BC) exam format
CNS - ANCC Certified Clinical Nurse Specialist, Core (CNS-BC) education
CNS - ANCC Certified Clinical Nurse Specialist, Core (CNS-BC) techniques
CNS - ANCC Certified Clinical Nurse Specialist, Core (CNS-BC) test questions
CNS - ANCC Certified Clinical Nurse Specialist, Core (CNS-BC) exam Questions
CNS - ANCC Certified Clinical Nurse Specialist, Core (CNS-BC) real Questions
CNS - ANCC Certified Clinical Nurse Specialist, Core (CNS-BC) exam format
CNS - ANCC Certified Clinical Nurse Specialist, Core (CNS-BC) exam help
CNS - ANCC Certified Clinical Nurse Specialist, Core (CNS-BC) testprep
CNS - ANCC Certified Clinical Nurse Specialist, Core (CNS-BC) exam Questions
CNS - ANCC Certified Clinical Nurse Specialist, Core (CNS-BC) education
CNS - ANCC Certified Clinical Nurse Specialist, Core (CNS-BC) answers
CNS - ANCC Certified Clinical Nurse Specialist, Core (CNS-BC) tricks
CNS - ANCC Certified Clinical Nurse Specialist, Core (CNS-BC) book
CNS - ANCC Certified Clinical Nurse Specialist, Core (CNS-BC) testing
CNS - ANCC Certified Clinical Nurse Specialist, Core (CNS-BC) PDF questions
CNS - ANCC Certified Clinical Nurse Specialist, Core (CNS-BC) Study Guide
CNS - ANCC Certified Clinical Nurse Specialist, Core (CNS-BC) exam success
CNS - ANCC Certified Clinical Nurse Specialist, Core (CNS-BC) information source
CNS - ANCC Certified Clinical Nurse Specialist, Core (CNS-BC) real questions
CNS - ANCC Certified Clinical Nurse Specialist, Core (CNS-BC) tricks
CNS - ANCC Certified Clinical Nurse Specialist, Core (CNS-BC) cheat sheet
CNS - ANCC Certified Clinical Nurse Specialist, Core (CNS-BC) Study Guide
CNS - ANCC Certified Clinical Nurse Specialist, Core (CNS-BC) exam Questions
CNS - ANCC Certified Clinical Nurse Specialist, Core (CNS-BC) test prep

Other Nursing Practice Tests


CNS online exam | ACA-CCN exam prep | PMHNP-BC questions and answers | AGCNS-BC exam prep | NLN-Pharmacology exam questions | ACNP-BC Practice test | NNCC-CDN test practice | PMHCNS-BC practice exam | CNAMB test example | APHN-BC study guide | BCEN-CTRN practice questions | ACRP-CPI exam Cram | PED-BC exam questions | NNCC-CCHT test questions | CFRN practice exam | BCEN-CBRN questions and answers | AGN-BC free online test | AANP-AGNP cram | ONCC-CBCN test sample | NPD-BC model question |


Best practice tests You Ever Experienced


CBAF-001 boot camp | CSSBB exam cram | ACP-Sec1 exam questions | AFE test prep questions | S2000-017 free pdf | CFPN training material | CLSSBB exam answers | FN0-240 test practice | Advance-RPA-Pro Free PDF | NBCOT-OTR practice questions | ServiceNow-CSA cram book | ACLPN english test questions | CCCP-001 exam tips | 2B0-102 Test Prep | 250-556 practice test | CIMAPRA17-BA4-1-ENG mock test | PCIP3-0 test example | IBCLC exam questions | SAFe-Agilist free pdf download | NS0-163 real questions |





References :


http://feeds.feedburner.com/SearchingForCnsExamDumpsThatWorksInRealExam
https://arfansaleemfan.blogspot.com/2020/08/cns-clinical-nurse-specialist-2020.html
https://youtu.be/Xcw9Zpoy0gk
https://sites.google.com/view/killexams-cns-actual-questions
http://killexamstestprep3.blogdigy.com/cns-clinical-nurse-specialist-dumps-with-real-questions-by-killexams-com-11452630
https://files.fm/f/84ugc34b2
https://killexams-cns.jimdofree.com/
https://drp.mk/i/1ZRRsjdgHV
https://www.instapaper.com/read/1397388908



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






Direct Download

CNS 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.

CNS Reviews

100% Valid and Up to Date CNS 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