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 CV-BC?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der CV-BC: ANCC (CV-BC) Cardiac Vascular Nursing Certification Prüfung.

2025 Updated Actual CV-BC questions as experienced in Test Center

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

ANCC CV-BC : ANCC (CV-BC) Cardiac Vascular Nursing Certification Practice Tests

Practice Tests Organized by Shahid nazir



Latest 2025 Updated ANCC ANCC (CV-BC) Cardiac Vascular Nursing Certification Syllabus
CV-BC 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




CV-BC dumps collection : Download 100% Free CV-BC practice exams (PDF and VCE)

Exam Number : CV-BC
Exam Name : ANCC (CV-BC) Cardiac Vascular Nursing Certification
Vendor Name : ANCC
Update : Click Here to Check Latest Update
Question Bank : Check Questions

Pass CV-BC test at first attempt with these Questions and Answers and Latest Questions
Passing the killexams.com ANCC (CV-BC) Cardiac Vascular Nursing Certification test is entirely easy with CV-BC TestPrep. All you need to do is register on the killexams website, choose the CV-BC test from the list, and apply. There is a small fee for that. download CV-BC Exam Questions and PDF Questions. Read and memorize CV-BC Exam Cram from the PDF file. Practice with the VCE software and take the actual CV-BC test. That's all it takes!

At killexams.com, they provide the most recent, legitimate, and updated ANCC ANCC (CV-BC) Cardiac Vascular Nursing Certification dumps necessary to pass the CV-BC exam. Merely practicing the CV-BC course book is insufficient; you must understand the challenging situations and questions that arise in the actual CV-BC exam. To achieve this, visit killexams.com and download free CV-BC PDF test questions. They certain that you will be satisfied with their ANCC (CV-BC) Cardiac Vascular Nursing Certification questions, and you can enroll to download the full version of CV-BC Exam Cram, which will be your first step toward success in the ANCC (CV-BC) Cardiac Vascular Nursing Certification exam. After downloading, install the CV-BC VCE test system on your computer, remember CV-BC PDF Questions, and periodically take a practice test with the VCE test system. When you feel prepared for the genuine CV-BC exam, go to the Test Center and register for it.

At killexams.com, they have a large number of candidates who have successfully passed the CV-BC test with their Latest Topics. They are all working in their respective organizations in good positions and earning well, not because they read their CV-BC Mock Questions, but because they practice and work on their knowledge in a genuine work environment. They focus not only on passing the CV-BC test with their questions and answers, but also on improving their candidates' understanding of CV-BC courses and objectives. This is how people become successful. You can also download and memorize the genuine CV-BC questions in the Mock Questions PDF on any device while on vacation or traveling, saving you time and providing more opportunities to study CV-BC questions.







CV-BC test Format | CV-BC Course Contents | CV-BC Course Outline | CV-BC test Syllabus | CV-BC test Objectives


The ANCC (CV-BC) Cardiac Vascular Nursing Certification is a prestigious credential offered by the American Nurses Credentialing Center (ANCC). This certification is designed to validate the specialized knowledge and expertise of registered nurses in the field of cardiac and vascular nursing. Obtaining this certification demonstrates a nurse's commitment to excellence and enhances their professional growth opportunities.

Number of Questions: The test consists of approximately 175 multiple-choice questions. These questions are designed to assess various domains related to cardiac and vascular nursing.

Time Allowed: Candidates are allotted a total of 3.5 hours (210 minutes) to complete the exam. This time includes reviewing instructions, answering questions, and reviewing flagged or unanswered questions.

Passing Score: The passing score for the ANCC (CV-BC) test is determined through a standardized process known as criterion-referenced testing. The passing score may vary slightly from one test administration to another. It is important to note that the ANCC does not disclose the exact passing score.

Content Domains: The test covers various content domains that are essential for cardiac and vascular nursing practice. These domains may include, but are not limited to, cardiovascular anatomy and physiology, test and diagnosis, treatment and management, patient education and health promotion, and professional practice.

Exam Administration: The ANCC (CV-BC) test is computer-based and administered at Pearson VUE testing centers. Candidates can schedule their test at a convenient location and time within the designated testing windows.

Preparation Resources: The ANCC provides candidates with a comprehensive test content outline that outlines the domains and courses covered in the exam. Candidates are encouraged to review this outline to guide their study efforts. Additionally, there are various study resources available, including textbooks, online courses, practice exams, and review materials specifically tailored for cardiac and vascular nursing.

Retake Policy: If a candidate does not pass the ANCC (CV-BC) exam, they are allowed to retake the test after a waiting period of 60 days. Candidates can retake the test up to three times within a 12-month period if necessary.

Maintaining Certification: Once a nurse successfully passes the ANCC (CV-BC) test and obtains the certification, they must fulfill the ANCC's renewal requirements to maintain their certification. These requirements typically include a specified number of continuing education hours, professional development activities, and a renewal fee.

It is important for candidates to carefully review the ANCC's official website for the most up-to-date and accurate information regarding the exam, including registration procedures, fees, and any changes to the content or administration of the exam.

Exam Objectives:
The ANCC (CV-BC) certification test focuses on assessing a nurse's proficiency in various domains related to cardiac and vascular nursing. The test objectives may include, but are not limited to, the following:

Cardiovascular Anatomy and Physiology: Knowledge of the structure and function of the cardiovascular system, including the heart, blood vessels, and cardiac conduction system.

Assessment and Diagnosis: Competence in performing comprehensive cardiovascular exams, interpreting diagnostic tests, and formulating accurate nursing diagnoses.

Treatment and Management: Understanding the principles of cardiac and vascular disease management, including pharmacological interventions, invasive procedures, and patient education.

Patient Education and Health Promotion: Ability to educate patients and their families about cardiovascular health, lifestyle modifications, risk factor management, and preventive measures.

Professional Practice: Knowledge of ethical and legal standards, evidence-based practice, interdisciplinary collaboration, and quality improvement initiatives in cardiac and vascular nursing.

Exam Tips:
Preparing for the ANCC (CV-BC) certification test requires a strategic approach. Here are some valuable tips to help you succeed:

Review the test Content Outline: Familiarize yourself with the ANCC (CV-BC) test content outline, which provides a detailed breakdown of the courses and percentage weight assigned to each domain. This will help you prioritize your study efforts accordingly.

Use Reliable Study Resources: Utilize reputable study materials, such as textbooks, killexams practice questions, and killexams online test engine specifically tailored for cardiac and vascular nursing. These resources will help you reinforce your knowledge and identify areas that require further attention. Authentic resources are;

PDF Download: https://killexams.com/demo-download/CV-BC.pdf
Complete Set: https://killexams.com/exam-price-comparison/CV-BC
Exam Detail: https://killexams.com/pass4sure/exam-detail/CV-BC


Practice with Killexams Questions: Access killexams practice questions by registering and downloading premium PDF and test engine to simulate the testing environment. This allows you to Excellerate your knowledge about ANCC (CV-BC) Cardiac Vascular Nursing, familiarize yourself with the format of the questions and Excellerate your time management skills.

Focus on Weak Areas: Identify your areas of weakness by taking repeated tests with killexams test engine, and dedicate extra time to strengthen your understanding.

Stay Updated with latest questions: Login to your myAccount at killexams.com and check for update. Killexams team send email on each update. You need to re-download PDF questions and test engine to keep you up to date.

Read Questions Carefully: During the exam, read each question carefully and ensure you understand what is being asked. Pay attention to details, keywords, and any specific patient scenarios mentioned in the question stem.

Time Management: You should take timed test with test engine. This will speed up your practicing and understanding skills and you will be able to answer all the questions timely and pass your test with high marks.

The ANCC (CV-BC) Cardiac Vascular Nursing Certification is a valuable credential that recognizes the expertise and dedication of nurses in the field of cardiac and vascular nursing. By understanding the test objectives, practicing killexams PDF questions, practicing test with test engine will ensure your success in the test center.



Killexams Review | Reputation | Testimonials | Feedback


No cheaper source for CV-BC Dumps has been found.
I used to be ranked very high among my class pals on the list of outstanding college students, but it only happened once I registered for killexams.com's test help. Their studying software is top-notch, and it helped me join the ranks of other top-notch college students in my class. The practice test provided are specific and greatly useful for training through CV-BC pdf, CV-BC practice test, and CV-BC books. I am grateful to put these words of appreciation out there because killexams.com deserves it. Thank you.


I worked hard on CV-BC books, but everything was in this study guide.
killexams.com is easy and strong, and you can pass the test in case you go through their query financial team. I have passed my EC test on the first try, and I have no words to express my gratitude. Though there are a few distinct questions banks available in the marketplace, I feel that killexams.com is amazing among them. I am confident that I will apply it for my special test as well. Thank you lots, killexams.


Is there a new syllabus available for the CV-BC exam?
People often believe that to succeed in the CV-BC exam, a scholar needs to possess a sharp brain. While this is true, it is also essential for the instructor or trainer to be adequately certified and educated. I am grateful to have been familiar with killexams.com, where I met brilliant educators who taught me how to pass my CV-BC test with ease. I thank them from the bottom of my heart.


Get these Dumps and go on vacation to prepare.
I have renewed my session with killexams.com for the CV-BC test because their exams and resources have been crucial to my success. I am confident that I can achieve my CV-BC accreditation with their help and score above 95% on the exam.


No need for expensive materials. download the latest questions and answers.
Killexams.com is a valid and reliable resource with actual CV-BC questions and accurate answers. Their test simulator works smoothly, and they provide top-notch customer support. I passed with high marks, thanks to their excellent services.


ANCC Vascular information hunger

CV-BC Exam

User: Atharv*****

Passing the ANCC cv-bc test was not an easy feat, but with the help of Killexams.com, I achieved an extraordinary score of 89%. Their study materials and resources were helpful in preparing me for the exam, and I am proud of my accomplishment.
User: Ignace*****

I sought help from Killexams.com to ensure my success in the cv-bc exam. I chose it because of their evaluation of the test ideas and regulations, which were wonderful. Their material is user-friendly, of awesome quality, and very imaginative. Most importantly, practice exams removed all of the problems associated with the topics. Thanks to Killexams.com, I was able to prepare for and pass the exam, and it helped me acquire my achievement.
User: Marina*****

I used to be skeptical about using online resources like Killexams.com, as they are often posted by untrustworthy individuals who can mislead you into studying the wrong material. However, Killexams.com Dumps proved to be different. Their material is of high quality and helped me overcome my CV-BC test preparation. I passed this test on my second attempt with an 87% score. Thank you, Killexams.com.
User: Lubba*****

I found your materials to be extremely useful and was able to score 82% in the CV-BC test with just five days of preparation. The ability to download the materials in PDF format provided me with a convenient way to practice effectively, along with the online tests, which did not have a limited attempt restriction. The answers provided to each question were 100% accurate, which I appreciate greatly. Thank you so much for your assistance.
User: Ahmad*****

Thanks to Killexams.com, I passed my cv-bc test with ease. The accurate questions, subject coverage, and test guides were convenient and flexible to use, including the test simulator, PDFs, and printouts. The practice engine simulated the exam, and the specific question types were particularly helpful.

CV-BC Exam

Question: Does killexams test Simulator works without internet?
Answer: Yes, Killexams test Simulator works offline. Killexams test simulator also works offline. Just download and install on your laptop and you can go anywhere to keep your study going and preparing your test at a tourist or healthier place. Whenever you need to re-download the test files, you can connect your computer to the internet and download and go offline anytime you like. You do not need the internet all the time to study for your exam. Killexams.com provides an offline method by downloading your CV-BC test questions in PDF format on your mobile phone, iPad or laptop and carry them anywhere you like. You do not need to be online all the time to keep your study going.
Question: How long prep is required to pass CV-BC exam?
Answer: If you have more time to study, you can practice more with CV-BC questions and get ready to take the test in 24 to 48 hours. But they recommend taking your time to study and practice CV-BC practice test until you are sure that you can answer all the questions that will be asked in the actual CV-BC exam.
Question: Is test simulator included with CV-BC actual questions?
Answer: Killexams CV-BC test simulator is an optional product and used to practice CV-BC test on a computer. If you have a computer with windows Os, it is the best software you can use to practice the questions. The latest and up-to-date CV-BC Dumps are included in the test prep. Complete CV-BC questions are provided in the download section of your MyAccount. Killexams provide up-to-date actual CV-BC test questions that are taken from the CV-BC question bank. These questions' answers are Tested by experts before they are included in the CV-BC question bank. By memorizing and practicing these CV-BC dumps, you will surely pass your test on the first attempt.
Question: Did you try these CV-BC real question banks and test prep?
Answer: Yes, try these CV-BC Dumps because these questions are taken from actual CV-BC question banks and collected by killexams.com from authentic sources. These CV-BC practice test are especially supposed to help you pass the exam.
Question: Answer to a question seems to be wrong, Who should I report to?
Answer: We highly appreciate if you report if you found that an answer to the question looks to be wrong. They can confirm the answer from their certification team. You should write the test number and question number with the answer that you think should be and their team will work on it to confirm and reply to you back with the result.
ANCC+Vascular+information+hunger
https://www.pass4surez.com/art/read.php?keyword=ANCC+Vascular+information+hunger&lang=us&links=remove

While it is hard job to pick solid certification questions/answers regarding review, reputation and validity since individuals get sham because of picking incorrec service. Killexams.com ensure to serve its customers best to its efforts as for ACTUAL EXAM QUESTIONS update and validity. Most of other's post false reports with objections about us for the brain dumps bout their customers pass their exams cheerfully and effortlessly. They never bargain on their review, reputation and quality because killexams review, killexams reputation and killexams customer certainty is imperative to us. Extraordinarily they deal with false killexams.com review, killexams.com reputation, killexams.com scam reports. killexams.com trust, killexams.com validity, killexams.com report and killexams.com that are posted by genuine customers is helpful to others. If you see any false report posted by their opponents with the name killexams scam report on web, killexams.com score reports, killexams.com reviews, killexams.com protestation or something like this, simply remember there are constantly terrible individuals harming reputation of good administrations because of their advantages. Most clients that pass their exams utilizing killexams.com brain dumps, killexams PDF questions, killexams practice questions, killexams test VCE simulator. Visit their example questions and test brain dumps, their test simulator and you will realize that killexams.com is the best ACTUAL EXAM QUESTIONS site.

Which is the best practice exams website?
Sure, Killexams is practically legit as well as fully trusted. There are several includes that makes killexams.com realistic and genuine. It provides informed and practically valid test questions including real exams questions and answers. Price is surprisingly low as compared to almost all services online. The Dumps are refreshed on normal basis utilizing most exact questions. Killexams account setup and device delivery is really fast. File downloading can be unlimited and extremely fast. Aid is avaiable via Livechat and Message. These are the characteristics that makes killexams.com a robust website that come with test prep with real exams questions.



Is killexams.com test material dependable?
There are several Dumps provider in the market claiming that they provide actual 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 2025 that understands the issue candidates face when they spend their time studying obsolete contents taken from free pdf download sites or reseller sites. Thats why killexams.com update test Dumps with the same frequency as they are updated in Real Test. test 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 test Fast with improvement in your knowledge about latest course contents and courses of new syllabus, They recommend to download PDF test Questions from killexams.com and get ready for actual 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 download Account. You can download 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 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 actual Test. Go register for Test in Test Center and Enjoy your Success.




DP-900 practice test | 3312 mock test | PDPF test questions | PEGACPBA86V1 practice test | PL-500 free questions | JN0-335 question test | CNA study guide | PAM-DEF-SEN prep questions | AHM-540 practice test | CIPS-L4M7-Procurement free pdf | ISO-IEC-27001-Lead-Auditor pass test | PSPO-I pdf test | DVA-C02 test questions | JumpCloud-Core pdf study guide | NSE7_ADA-6.3 free test practice | VCS-257 Study Guide | 920-805 study guide | DCPP-01 Free test PDF | HCISPP test Questions | AGACNP-BC test papers |


CV-BC - ANCC (CV-BC) Cardiac Vascular Nursing Certification Test Prep
CV-BC - ANCC (CV-BC) Cardiac Vascular Nursing Certification PDF download
CV-BC - ANCC (CV-BC) Cardiac Vascular Nursing Certification answers
CV-BC - ANCC (CV-BC) Cardiac Vascular Nursing Certification Latest Topics
CV-BC - ANCC (CV-BC) Cardiac Vascular Nursing Certification techniques
CV-BC - ANCC (CV-BC) Cardiac Vascular Nursing Certification education
CV-BC - ANCC (CV-BC) Cardiac Vascular Nursing Certification techniques
CV-BC - ANCC (CV-BC) Cardiac Vascular Nursing Certification test
CV-BC - ANCC (CV-BC) Cardiac Vascular Nursing Certification learn
CV-BC - ANCC (CV-BC) Cardiac Vascular Nursing Certification test cram
CV-BC - ANCC (CV-BC) Cardiac Vascular Nursing Certification questions
CV-BC - ANCC (CV-BC) Cardiac Vascular Nursing Certification syllabus
CV-BC - ANCC (CV-BC) Cardiac Vascular Nursing Certification learn
CV-BC - ANCC (CV-BC) Cardiac Vascular Nursing Certification test questions
CV-BC - ANCC (CV-BC) Cardiac Vascular Nursing Certification Free PDF
CV-BC - ANCC (CV-BC) Cardiac Vascular Nursing Certification test Questions
CV-BC - ANCC (CV-BC) Cardiac Vascular Nursing Certification test contents
CV-BC - ANCC (CV-BC) Cardiac Vascular Nursing Certification PDF Questions
CV-BC - ANCC (CV-BC) Cardiac Vascular Nursing Certification Test Prep
CV-BC - ANCC (CV-BC) Cardiac Vascular Nursing Certification learning
CV-BC - ANCC (CV-BC) Cardiac Vascular Nursing Certification teaching
CV-BC - ANCC (CV-BC) Cardiac Vascular Nursing Certification tricks
CV-BC - ANCC (CV-BC) Cardiac Vascular Nursing Certification cheat sheet
CV-BC - ANCC (CV-BC) Cardiac Vascular Nursing Certification information search
CV-BC - ANCC (CV-BC) Cardiac Vascular Nursing Certification Test Prep
CV-BC - ANCC (CV-BC) Cardiac Vascular Nursing Certification test success
CV-BC - ANCC (CV-BC) Cardiac Vascular Nursing Certification outline
CV-BC - ANCC (CV-BC) Cardiac Vascular Nursing Certification questions
CV-BC - ANCC (CV-BC) Cardiac Vascular Nursing Certification learn
CV-BC - ANCC (CV-BC) Cardiac Vascular Nursing Certification Practice Questions
CV-BC - ANCC (CV-BC) Cardiac Vascular Nursing Certification Latest Topics
CV-BC - ANCC (CV-BC) Cardiac Vascular Nursing Certification tricks
CV-BC - ANCC (CV-BC) Cardiac Vascular Nursing Certification study help
CV-BC - ANCC (CV-BC) Cardiac Vascular Nursing Certification Practice Test
CV-BC - ANCC (CV-BC) Cardiac Vascular Nursing Certification learn
CV-BC - ANCC (CV-BC) Cardiac Vascular Nursing Certification Test Prep
CV-BC - ANCC (CV-BC) Cardiac Vascular Nursing Certification real questions
CV-BC - ANCC (CV-BC) Cardiac Vascular Nursing Certification Free test PDF
CV-BC - ANCC (CV-BC) Cardiac Vascular Nursing Certification answers
CV-BC - ANCC (CV-BC) Cardiac Vascular Nursing Certification test format
CV-BC - ANCC (CV-BC) Cardiac Vascular Nursing Certification test
CV-BC - ANCC (CV-BC) Cardiac Vascular Nursing Certification information hunger
CV-BC - ANCC (CV-BC) Cardiac Vascular Nursing Certification PDF questions
CV-BC - ANCC (CV-BC) Cardiac Vascular Nursing Certification PDF Download

Other ANCC Practice Tests


CV-BC test questions | ANP-BC test questions | NE-BC pdf exam | FNP-BC test cram | ANCC-MSN PDF Download |


Best practice exams You Ever Experienced


304-200 Free test PDF | C1000-078 test practice | DTR PDF Questions | SPLK-3002 cram book | EX0-115 practice questions | 1D0-61C free pdf | SAA-C02 test questions | C1000-169 free questions | 050-886 test preparation | ANP-BC free test papers | RNC-OB test cram | MTCNA questions and answers | 1T6-215 test example | CPEA prep questions | PCAT test prep | CSSGB free test practice | FBAP_002 trial test questions | ACA-CHSA free questions | 4A0-AI1 model question | WorkKeys study guide |





References :





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






Direct Download

CV-BC 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.

CV-BC Reviews

100% Valid and Up to Date CV-BC 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