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 FNS?
Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der FNS: Fitness Nutrition Specialist Prüfung.
2025 Updated Actual FNS questions as experienced in Test Center
Aktuelle FNS Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz
![]() Medical FNS : Fitness Nutrition Specialist Practice TestsPractice Tests Organized by Martha nods |
Latest 2025 Updated Medical Fitness Nutrition Specialist Syllabus
FNS 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
FNS dumps questions : Download 100% Free FNS practice exams (PDF and VCE)
Exam Number : FNS
Exam Name : Fitness Nutrition Specialist
Vendor Name : Medical
Update : Click Here to Check Latest Update
Question Bank : Check Questions
FNS questions pdf get with boot camp
Being prepared for the FNS exam is very easy if you apply at killexams.com and get FNS Test Prep files to your smartphone, iPad, or laptop. Install the FNS VCE exam simulator on your computer, take at least a 24-hour break, and use that time to study FNS Test Prep. Practice with the VCE exam simulator and give it a try in the real FNS exam. You'll be pleased to see that all real FNS questions come from these Exam Questions.
Passing the genuine Medical FNS exam is not an easy task that can be accomplished by simply relying on FNS textbooks or free online Practice Test. The exam contains a number of complex scenarios and tricky questions that can confuse even the most seasoned candidates. However, killexams.com comes to the rescue by providing real FNS questions in the form of Free exam PDF and VCE test simulator. To get started, you can get the free FNS Practice Test before registering for the full version of FNS Free exam PDF. They guarantee that you will be satisfied with the quality of Question Bank.
At killexams.com, they understand the importance of practicing with real exam questions before taking the Medical FNS exam. That's why they offer a comprehensive FNS questions bank that includes genuine questions asked in previous exams. By practicing with their Free exam PDF and VCE test simulator, you will be able to familiarize yourself with the exam format and gain confidence in your ability to answer tricky questions. Their aim is to help you pass the Medical FNS exam on your first attempt with a high score, and they are confident that their resources can help you achieve this goal.

FNS exam Format | FNS Course Contents | FNS Course Outline | FNS exam Syllabus | FNS exam Objectives
Exam Details:
- Number of Questions: The number of questions in the Fitness Nutrition Specialist (FNS) exam can vary depending on the certifying organization. Typically, the exam consists of multiple-choice questions, and the exact number can range from 100 to 150 questions.
- Time: Candidates are typically given a set time limit to complete the FNS exam, which is generally around 2 to 3 hours. It is important to manage time effectively to ensure all questions are answered within the allocated time.
Course Outline:
The FNS certification program is designed to assess the knowledge and skills required to provide nutrition guidance and support to individuals in the fitness industry. While the specific course outline may vary depending on the certifying organization, the exam generally covers the following key areas:
1. Basic Nutrition Concepts:
- Macronutrients (carbohydrates, proteins, fats)
- Micronutrients (vitamins, minerals)
- Energy balance and metabolism
2. Nutrition for Fitness and Exercise:
- Pre- and post-workout nutrition
- Hydration and electrolyte balance
- Sports nutrition and performance enhancement
3. Weight Management:
- Weight loss strategies and methods
- Body composition analysis
- Behavior change techniques for sustainable weight management
4. Special Populations:
- Nutrition considerations for different age groups (children, adolescents, older adults)
- Nutrition for pregnancy and lactation
- Nutrition for individuals with specific health conditions (diabetes, cardiovascular disease, etc.)
5. Supplementation and Ergogenic Aids:
- Common dietary supplements and their effects
- Ergogenic aids and performance-enhancing substances
- Evidence-based use and safety considerations
6. Counseling and Communication Skills:
- Interviewing and exam techniques
- Effective communication strategies
- Behavior change theories and motivational techniques
Exam Objectives:
The objectives of the FNS exam typically include:
- Assessing the candidate's understanding of basic nutrition principles and their application to fitness and exercise.
- Evaluating the candidate's knowledge of weight management strategies and their ability to provide guidance to individuals seeking weight loss or weight maintenance.
- Testing the candidate's knowledge of nutrition considerations for special populations, including different age groups and individuals with specific health conditions.
- Determining the candidate's familiarity with dietary supplements, ergogenic aids, and their appropriate use in the context of fitness and exercise.
- Assessing the candidate's counseling and communication skills to effectively work with clients and support behavior change.
Exam Syllabus:
The specific exam syllabus for the FNS may vary depending on the certifying organization. However, the following Topics are typically included:
1. Basic Nutrition Concepts:
- Macronutrients and their functions
- Micronutrients and their roles in the body
- Digestion, absorption, and metabolism of nutrients
2. Nutrition for Fitness and Exercise:
- Energy requirements for physical activity
- Pre- and post-workout nutrition strategies
- Nutrient timing and meal planning for optimal performance
3. Weight Management:
- Energy balance and weight regulation
- Strategies for healthy weight loss and maintenance
- Behavior change techniques for sustainable weight management
4. Special Populations:
- Nutrition considerations for different age groups (children, adolescents, older adults)
- Pregnancy and lactation nutrition
- Nutrition for individuals with specific health conditions (diabetes, cardiovascular disease, etc.)
5. Supplementation and Ergogenic Aids:
- Common dietary supplements and their effects
- Ergogenic aids and their impact on performance
- Evidence-based use, safety, and regulations
6. Counseling and Communication Skills:
- Client interviewing and exam techniques
- Effective communication and motivational strategies
- Behavior change theories and techniques
It is important to note that the specific Topics and depth of coverage may vary depending on the certifying organization offering the FNS certification. Candidates should refer to the official guidelines and study materials provided by the certifying organization for the most accurate and up-to-date information.
Killexams Review | Reputation | Testimonials | Feedback
No time wasted on the internet! I found the exact source of FNS questions.
Though it is said that few men can bring about change, they can recognize those who have. I aspire to make my own mark in the world and be recognized for my achievements. Previously, I struggled in my studies, but with the help of killexams.com, I was able to pass my FNS exam and take the first step towards achieving this goal.
Found an accurate source for real FNS latest practice tests.
I scored 97% marks on the FNS exam after only 10 days of preparation with killexams.com. I am highly satisfied with the result. While there may be other great resources for associate-level certifications, for expert-level exams, I think killexams.com is the best option, especially with the exam simulator that provides an authentic exam experience. It's an incredible brain dump and a great test guide, which is rare for difficult exams.
Do you need genuine test questions from the FNS exam to pass?
I achieved an 89 score on the FNS exam thanks to killexams.com's well-arranged questions and answers. It took me just over an hour and twenty minutes to complete all the questions, including those on information gathering and needs. I highly recommend killexams.com to anyone preparing for the FNS exam.
I found a superb source of updated FNS material.
My parents used to study seriously and passed their exams on the first attempt. They were always concerned about their education and career development. However, with the advent of certifications such as the FNS exam, one cannot escape the flood of books and study guides that can be overwhelming for students. But, thanks to killexams.com questions and answers, students can now approach the exam with confidence and assurance of passing. I am grateful to the killexams.com team, otherwise, I would be scolded by my parents and listening to their success stories.
A little study for the FNS exam can lead to great success.
I downloaded real exam Dumps from killexams.com to prepare for my FNS exam, and I feel blessed that I stumbled upon their website. The educators I encountered were fantastic, and they taught me how to pass the exam with ease. I am forever grateful to them.
Medical Nutrition Latest Questions
FNS Exam
User: Matt*****![]() ![]() ![]() ![]() ![]() I decided to take the fns exam to enhance my skills in dealing with a fns client base, and Killexams was recommended to me by a friend. After trying out their demo, I was impressed and decided to purchase their study package. The Killexams exam simulator was incredible, and with their study material, I became the brand new fns supervisor in my office. |
User: Mavriki*****![]() ![]() ![]() ![]() ![]() Every morning, I used to go out for walks to feel energized, but the day before my fns exam, I was so worried that I did not feel like going out. However, killexams.com came to my rescue and provided me with a pool of instructional data, which helped me get the right marks in the fns exam. |
User: Lewis*****![]() ![]() ![]() ![]() ![]() Preparing for the fns exam was challenging, with so many confusing Topics to cover. However, Killexams.com helped me to gain confidence by providing me with core questions on the subject. As a result, I was able to pass the exam with an impressive score of 84%. Although a few questions were tricky, the answers provided by Killexams.com helped me to mark the right answers. |
User: Lizabeta*****![]() ![]() ![]() ![]() ![]() It is challenging to find test materials with all the necessary capabilities for the FNS exam. Luckily, I found killexams.com, which provided comprehensive and useful information. The education and learning of each Topic were made seamless through their practice tests, and I urge my friends to use them. |
User: Nick*****![]() ![]() ![]() ![]() ![]() I am proud to say that I passed my fitness nutrition specialist certification with flying colors, thanks to the support provided by Killexams.com. This achievement has made me a certified fitness nutrition specialist professional, and I am grateful for the assistance received. |
FNS Exam
Question: Will I be able to locate up-to-date FNS exam test prep? Answer: Yes, once registered at killexams.com you will be able to get up-to-date FNS exam test prep that will help you pass the exam with good marks. When you get and practice the exam questions, you will be confident and feel improvement in your knowledge. |
Question: Is there any recurring fee for killexams membership? Answer: No, there is no recurring fee. It is a one-time fee for 3 months, 6 months, or 1-year killexams account, whichever you select. During this period there is no charge for downloading the exam several times. After the expiry of your online account, you need to renew your account by yourself. Killexams do not renew the account automatically. |
Question: Where can I see the FNS genuine questions price? Answer: Killexams provide the latest FNS practice questions at a very cheap price. Furthermore, special discount coupons are also provided for candidates. You can see FNS questions price at https://killexams.com/exam-price-comparison/FNS |
Question: If there is any issue in software installation, who should I contact? Answer: You should first go through FAQ at https://killexams.com/faq for information about software installation. If you do not find the required assistance, you can contact support via live chat or email. |
Question: How frequently FNS Dumps change? Answer: It depends on the vendor that takes the test, like Cisco, IBM, HP, CompTIA, and all others. There is no set frequency in which FNS exam is changed. The vendor can change the FNS exam questions any time they like. But when exam questions are changed, they update their PDF and VCE accordingly. |
https://www.pass4surez.com/art/read.php?keyword=Medical+Nutrition+Latest+Questions&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 study guide 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 exam VCE simulator. Visit their example questions and test brain dumps, their exam simulator and you will realize that killexams.com is the best study guide site.
Which is the best practice exams website?
Yes, Killexams is 100% legit along with fully good. There are several features that makes killexams.com traditional and legit. It provides current and 100% valid exam questions made up of real exams questions and answers. Price is suprisingly low as compared to the majority of the services on internet. The Dumps are up to date on frequent basis with most accurate questions. Killexams account build up and item delivery can be quite fast. Report downloading will be unlimited and really fast. Help is avaiable via Livechat and Email. These are the characteristics that makes killexams.com a robust website that give exam prep with real exams questions.
Is killexams.com test material dependable?
There are several Dumps provider in the market claiming that they provide genuine 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 get sites or reseller sites. Thats why killexams.com update exam Dumps 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 Topics of new syllabus, They recommend to get PDF exam 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 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 genuine Test. Go register for Test in Exam Center and Enjoy your Success.
ACD200 study help | GRE test questions | 920-327 online exam | 5V0-62.22 practice questions | H12-222 study guide | API-936 Study help | VCS-257 exam cram | CPD-001 test practice | PL-600 prep questions | 312-85 Dumps | C1000-151 cram book | Wonderlic exam prep | CLAD online exam | INBDE Free PDF | D-UN-DY-23 practice questions | CTEP english test questions | C1000-126 exam Questions | AZ-801 mock questions | 3X0-102 free online test | ISA-IEC-62443-IC33M Latest Questions |
FNS - Fitness Nutrition Specialist Practice Questions
FNS - Fitness Nutrition Specialist Latest Questions
FNS - Fitness Nutrition Specialist exam Questions
FNS - Fitness Nutrition Specialist exam Cram
FNS - Fitness Nutrition Specialist test questions
FNS - Fitness Nutrition Specialist exam help
FNS - Fitness Nutrition Specialist Question Bank
FNS - Fitness Nutrition Specialist Study Guide
FNS - Fitness Nutrition Specialist exam Questions
FNS - Fitness Nutrition Specialist syllabus
FNS - Fitness Nutrition Specialist teaching
FNS - Fitness Nutrition Specialist Question Bank
FNS - Fitness Nutrition Specialist Free exam PDF
FNS - Fitness Nutrition Specialist exam Questions
FNS - Fitness Nutrition Specialist test
FNS - Fitness Nutrition Specialist boot camp
FNS - Fitness Nutrition Specialist Premium PDF
FNS - Fitness Nutrition Specialist test questions
FNS - Fitness Nutrition Specialist syllabus
FNS - Fitness Nutrition Specialist guide
FNS - Fitness Nutrition Specialist PDF Questions
FNS - Fitness Nutrition Specialist testprep
FNS - Fitness Nutrition Specialist answers
FNS - Fitness Nutrition Specialist Latest Topics
FNS - Fitness Nutrition Specialist exam contents
FNS - Fitness Nutrition Specialist syllabus
FNS - Fitness Nutrition Specialist exam Questions
FNS - Fitness Nutrition Specialist exam Questions
FNS - Fitness Nutrition Specialist exam
FNS - Fitness Nutrition Specialist learning
FNS - Fitness Nutrition Specialist test questions
FNS - Fitness Nutrition Specialist course outline
FNS - Fitness Nutrition Specialist tricks
FNS - Fitness Nutrition Specialist Latest Questions
FNS - Fitness Nutrition Specialist exam cram
FNS - Fitness Nutrition Specialist Question Bank
FNS - Fitness Nutrition Specialist study tips
FNS - Fitness Nutrition Specialist cheat sheet
FNS - Fitness Nutrition Specialist study help
FNS - Fitness Nutrition Specialist exam format
FNS - Fitness Nutrition Specialist PDF Download
FNS - Fitness Nutrition Specialist questions
FNS - Fitness Nutrition Specialist Practice Test
FNS - Fitness Nutrition Specialist premium pdf
Other Medical Practice Tests
OCS exam test | AHM-540 free study guide | MHAP practice test | COMLEX-USA pass marks | APMLE Study Guide | AAPC-OCS Latest Questions | CCN cram | GP-MCQS free questions | BMAT sample questions | VACC test prep | Podiatry-License-Exam-Part-III sample test | NAPLEX practice exam | RPFT free exam practice | CPM exam prep | NBCOT Latest Topics | NBRC practice exam | BCNS-CNS Free PDF | EPPP cbt | FNS study guide | ABEM-EMC question test |
Best practice exams You Ever Experienced
PMGT-BC exam questions | ACCP exam questions | EX0-115 free pdf download | A00-231 training material | HPE6-A49 exam tips | 4A0-M02 exam prep | C1000-143 test prep questions | NSE5_FSM-6.3 mock test | NNCC-CCHT-A Practice Test | CRCM mock questions | 2B0-103 Latest Topics | OMG-OCUP2-INT200 prep questions | ACLS test example | EADC cram book | TFNSTRETEICT1100 exam results | CTFL-V4-Foundation online exam | Okta-Certified-Consultant practice exam | 9L0-827 Practice Questions | PSP free study guide | ACP-620 exam Questions |
References :
https://killexams-posting.dropmark.com/817438/23543482
https://www.instapaper.com/read/1323661806
https://drp.mk/i/yXK7SMNWJf
https://arfansaleemfan.blogspot.com/2020/08/fns-fitness-nutrition-specialist-real.html
https://youtu.be/9DqNjX4PPJE
https://sites.google.com/view/killexams-fns-examdumps
https://killexam-fnspractice.jimdofree.com/
https://files.fm/f/twnucy6bw
http://feeds.feedburner.com/PassingTheHp0-239ExamIsSimpleWithKillexamscom
Similar Websites :
Pass4sure Certification exam Practice Tests
Pass4Sure Certification Question Bank
FNS Reviews by Customers
Customer Reviews help to evaluate the exam performance in real test. Here all the reviews, reputation, success stories and ripoff reports provided.
100% Valid and Up to Date FNS 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