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.

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Exam Name : National Board for Certification of Occupational Therapists - 2023
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Acquire information regarding factors that influence

occupational performance on an ongoing basis throughout

the occupational therapy process.

- Impact of typical development and aging on occupational performance, health, and wellness across the life span

- Expected patterns, progressions, and prognoses associated with conditions that limit occupational performance

- Impact of body functions, body structures, and values, beliefs, and spirituality on occupational performance

- Resources for acquiring information about the clients current condition and occupational performance

- Administration, purpose, indications, advantages, and limitations of standardized and non-standardized screening and test tools

- Internal and external factors influencing a clients meaningful engagement in occupation related to typical habits, roles, routines, and rituals, and the level and type of assistance required

- Therapeutic application of theoretical approaches, models of practice, and frames of reference that guide intervention in a variety of practice contexts and environments

- Task analysis in relation to a clients performance skills, the occupational profile, practice setting, stage of occupational therapy process, areas of occupation, and activity demands



Formulate conclusions regarding client needs and priorities to develop and monitor an intervention plan throughout the occupational therapy process.

- Interpretation and analysis of quantitative exams designed to measure specific client factors and performance skills

- Integration of qualitative data collected from interviews, observation, and test of the social and physical
environments, valued activities, necessary occupations, and priorities

- Integration of screening and test results with the client occupational profile, client condition, expected outcomes, and level of service delivery to guide critical decision-making for determining eligibility for services, prioritizing needs, and identifying a targeted intervention plan

- Characteristics and functions of interprofessional teams for coordinating client care and providing efficient and effective programs and services consistent with specific core competencies, expertise, unique contributions, team roles, and context of the organization

- Management of collaborative client-centered intervention plans, Individualized Education Program plans, and transition plans based on client skills, abilities, and expected outcomes in relation to available resources, level of service delivery, and frequency and duration of intervention

- Prioritization of intervention goals and activities based on client needs, wants, developmental skills, abilities, progress, and expected outcomes in relation to level of service delivery as well as frequency and duration of intervention

- Strategies used for assessing and addressing health literacy to enhance non-verbal and verbal interactions with a client and relevant others in order to promote positive health behaviors, enable informed decisions, maximize safety of care delivery, and promote carry-over of the intervention to support positive intervention outcomes

- Factors used for determining and managing the context and type of individual and group activities for effectively supporting intervention goals and objectives

Methods for monitoring the effectiveness of individual and group intervention in order to make decisions about continuation of the intervention or modifications to the intervention approach, context, or goals
- Clinical decision-making for adapting or modifying the intervention plan and prioritizing goals in response to physiological changes, behavioral reaction, emotion regulation, and developmental needs of the client



Select interventions for managing a client-centered
plan throughout the occupational therapy process.

Methods and techniques for selecting and preparing the environment
to support optimal engagement in the intervention and promote goal

- Indications, contraindications, and precautions associated with wound
management, considering the characteristics of a wound, the stage
of wound healing, and the influence of the wound on engagement
in occupation as guided by evidence, best practice standards, scope
of practice, and state licensure practice acts in order to support
functional outcomes

- Indications, contraindications, precautions, and appropriate clinical
application of superficial thermal agents as guided by evidence, best
practice standards, scope of practice, and state licensure practice acts

- Indications, contraindications, precautions, and appropriate clinical
application of deep thermal, mechanical, and electrotherapeutic physical
agent modalities as guided by evidence, best practice standards, scope
of practice, and state licensure practice acts

- Interventions for supporting leisure and play-based exploration and
participation consistent with client interests, needs, goals, and context

- Methods for grading an activity, task, or technique based on level of
development, client status, response to intervention, and client needs

- Methods for facilitating individual and group participation in shared
tasks or activities consistent with the type, function, format, context,
goals, and stage of the group

- Interventions to support optimal sensory arousal, and visual motor,
cognitive, or perceptual processing for supporting engagement
in meaningful occupations consistent with developmental level,
neuromotor status, mental health, cognitive level, psychosocial skills
and abilities, task characteristics, context, and environmental demands
030205 Compensatory and remedial strategies for managing cognitive
and perceptual deficits or intellectual disabilities

- Adaptive and preventive strategies for optimal engagement in
occupation consistent with developmental level, neuromotor status,
and condition

- Intervention strategies and techniques used to facilitate oral motor
skills for drinking, eating, and swallowing consistent with developmental
level, client condition, caregiver interaction, and mealtime environment
and context

- Prevocational, vocational, and transitional services, options,
and resources for supporting strengths, interests, employment, and
lifestyle goals of the adolescent, middle-aged, and older adult client

- Methods for grading various types of therapeutic exercise and
conditioning programs consistent with indications and precautions
for strengthening muscles, increasing endurance, improving range
of motion and coordination, and increasing joint flexibility in relation
to task demands

- Methods and strategies used to develop, implement, and manage
sensory and motor reeducation, pain management, desensitization,
edema reduction, and scar management programs

- Techniques and activities for promoting or improving postural stability,
facilitating dynamic balance, and teaching proper body mechanics
and efficient breathing patterns during functional tasks to support
engagement in occupation

- Types and functions of immobilization, mobilization, restriction,
and non-articular orthoses for managing specific conditions

- Influence of anatomical, physiological, biomechanical, and healing
principles on orthotic selection, design, fabrication, and modification

- Methods and techniques for training in the safe and effective use
of orthotic and prosthetic devices consistent with prioritized needs,
goals, and task demands in order to optimize or enhance function

- Factors related to measuring, selecting, monitoring fit of, and
recommending modifications to seating systems, positioning devices,
and mobility aids

- Characteristics and features of high- and low-tech assistive technology
for supporting engagement in meaningful occupation

- Mobility options, vehicle adaptations, and alternative devices
for supporting participation in community mobility

- Training methods and other factors influencing successful use and
maintenance of commonly used assistive technology options, adaptive
devices, and durable medical equipment

- Principles of ergonomics and universal design for identifying,
recommending, and implementing reasonable accommodations and
features in the workplace, home, and public spaces in order to optimize
accessibility and usability

- Processes and procedures for identifying, recommending, and
implementing modifications in the workplace, home, and public spaces,
considering the interaction among client factors, contexts, roles, task
demands, and resources


Manage professional activities of self and relevant others
as guided by evidence, regulatory compliance, and standards
of practice to promote quality care.

- Methods for defining a clinical question and performing a critical
appraisal to support evidence-based practice

- Methods for applying continuous quality improvement processes
and procedures to occupational therapy service delivery

- Methods for evaluating, monitoring, and documenting service
competency and professional development needs of self and assigned
personnel based on scope of practice and certification standards for
occupational therapy

- Methods for developing, analyzing, and applying evidence that supports
occupation-based programming to advance positive health outcomes
for individuals, groups, and specific populations

- Application of ethical decision-making and professional behaviors
guided by the NBCOT standards of practice and Code of Conduct

- Precautions or contraindications associated with a client condition
or stage of recovery

- Infection control procedures and universal precautions for reducing
transmission of contaminants

- Basic first aid in response to minor injuries and adverse reactions

- Safety procedures to implement during interventions

- Preventive measures for minimizing risk in the intervention environment

- Methods for identifying, locating, and integrating federal regulations,
facility policies, and accreditation guidelines related to service delivery
across occupational therapy practice settings

- Influence of reimbursement policies and guidelines on occupational
therapy service delivery

- Accountability processes and procedures using relevant practice
terminology, abbreviations, information technology, and reporting
mechanisms for justifying, tracking, and monitoring sentinel events
and outcomes related to occupational therapy service delivery

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Medical Therapists certification


Autogenic training: Benefits, limitations, and how to do it

Autogenic training refers to using the mind to help a person relax their body. It is a type of relaxation technique that may help people Strengthen their well-being and overall quality of life.

In 1932, Dr. Johannes Heinrich Schultz published an evidence-supported book about autogenic training.

The relaxation technique uses autosuggestion to help a person perceive heaviness and warmth in a part of their body while releasing a slow breath. “Autosuggestion” refers to the use of words, statements, or cues to help guide one’s own thoughts, feelings, or behaviors.

The adopted perception creates a psychophysiological relaxation response. This helps a person feel more relaxed as they move their focus around to different areas of their body in a guided order. A person can learn how to do it through individual or group sessions.

The technique activates a part of the brain that may help promote and regulate self-healing mechanics in the body. In doing so, it may help the body self-heal from several different conditions, such as stress, trauma, or anxiety.

This article reviews the potential benefits and limitations of autogenic training, how to perform it, and other relaxation tips.

Autogenic training focuses on the body’s potential ability to self-regulate and promote healing. Evidence suggests that it may help a variety of different conditions and issues that can affect a person, including:

In a 2023 review of studies, researchers wanted to see how autogenic training could help with various mental health conditions. They found strong evidence that it may help reduce anxiety and at least provide some relief in mild to moderate depression.

They found several types of disorders unexplored, including bipolar disorder, acute stress disorders, and psychotic disorders. The authors express their hope that future research will investigate how autogenic training may help with these conditions as well as other possible benefits.

A 2021 survey during the COVID-19 quarantines in Spain investigated how autogenic training can affect the subjective perception of physical and emotional health.

The researchers found sufficient evidence to suggest that autogenic training may help people living with:

  • fear of illness
  • moments of high anxiety
  • feelings that they need to Strengthen their quality of relationships with others
  • In a 2020 study, researchers looked at how autogenic training may help with physical health issues. They found that autogenic training is a promising approach for these concerns, but additional research is necessary to fully understand its potential benefits.

    In general, experts consider autogenic training safe, with minimal or no side effects.

    The U.S. Department of Veterans Affairs warns that it may not be safe for people with certain psychotic disorders, such as schizophrenia. Researchers are hopeful that future studies may show that it is effective and safe for use in people living with a psychotic disorder.

    In order to effectively use the technique, a person should consider working with someone who knows how to do it. Instructors can teach in individual or group settings and can generally pass the knowledge along to the person.

    An individual should not use autogenic training as a replacement for other mental health therapies. Instead, they should think of it as a complementary therapy to help achieve treatment goals. Only limited evidence exists for its use in specific health conditions.

    A person should work with a therapist familiar with the technique to learn how to do autogenic training properly. An individual can participate in one-on-one or group sessions with a therapist. However, once a person learns how to do it from an instructor, they may be able to successfully do the technique on their own.

    Each session typically lasts about 15–20 minutes, though they can last a longer period of time.

    During the session, a person or group will find comfortable sitting or lying positions, close their eyes, and repeating various calming phrases from the instructor. The phrases help stimulate a calming sensation and relaxation in different areas of the body.

    There are generally six areas of focus, including:

  • heaviness in muscles
  • warmth in the legs, arms, and other areas of the body
  • relaxed, slower heartbeat
  • relaxed, slower breathing
  • abdomen relaxation
  • cool sensation in the forehead
  • Several methods can help a person relax their body and mind.

    The Centers for Disease Control and Prevention (CDC) recommends that people going out on deployment try the following to help them relax and fall asleep. The same techniques can work for most people. They include:

  • Imagery: picturing calm, relaxing places and imagining being there
  • Relaxing breathing: focusing on taking long, relaxed breaths
  • Progressive muscle relaxation: the use of prerecorded instructions to tense and relax muscles throughout the body
  • Meditation: focusing on images, breathing, or sounds to help promote relaxation
  • They recommend practicing different techniques in order to get better at it.

    Some general tips for relaxation can include:

  • wearing loose, comfortable clothing
  • finding a safe location to practice relaxation
  • avoiding smoking before a session
  • practicing for about 20–30 minutes twice per week for about 4–6 weeks to become better able to relax in stressful situations
  • A person should talk with a doctor if they feel overwhelmed, stressed, or anxious frequently. These can be signs of underlying mental health issues, such as anxiety or depression.

    A person undergoing treatments for mental or physical health should discuss concerns with a doctor as they occur. They may be able to recommend additional therapies or help to address concerns about stress, anxiety, depression, and other mental health conditions.

    People interested in learning how to do autogenic training may want to find a therapist who can help teach them how to do it. This can help a person get the most out of their relaxation sessions.

    Autogenic training may help a person relax and may promote improved quality of life and overall well-being in people living with different mental and physical health conditions.

    Research into its effectiveness is still ongoing and may continue to show promise in its use in both the general population and specific groups living with different conditions.

    Exeter Hospital recognition, therapy dog at Cornerstone VNA: Seacoast health news

    Exeter Hospital receives national recognition for care of stroke patients

    Some of the Exeter Hospital Emergency Department and EMS staff who guide the care of stroke patients.

    EXETER – Exeter Hospital has received the American Heart Association’s Get With The Guidelines® - Stroke Gold Plusquality achievement award for its commitment to ensuring stroke patients receive the most appropriate treatment according to nationally recognized, research-based guidelines, ultimately leading to more lives saved and reduced disability.

    “Exeter Hospital is committed to improving patient care by adhering to the latest treatment guidelines,” said Donna McKinney, Vice President of acute care/cancer services and Chief Nurse Executive of Exeter Hospital. “Get With The Guidelines makes it easier for their teams to put proven knowledge and guidelines to work on a daily basis, which studies show can help patients recover better. The end goal is to ensure more people in the Seacoast area can experience longer, healthier lives.”

    Exeter Hospital also received the American Heart Association’s Target: Type 2 Diabetes Honor Roll award. Target: Type 2 Diabetes aims to ensure patients with Type 2 diabetes, who might be at higher risk for complications, receive the most up-to-date, evidence-based care when hospitalized due to stroke.

    “We are incredibly pleased to recognize Exeter Hospital for its commitment to caring for patients with stroke,” said Steven Messe, M.D., volunteer chairperson of the American Heart Association Stroke System of Care Advisory Group and professor of neurology and director of fellowships of neurology at the Hospital of the University of Pennsylvania. “Participation in Get With The Guidelines is associated with improved patient outcomes, fewer readmissions and lower mortality rates – a win for health care systems, families and communities.”

    New certified therapy dog at Cornerstone VNA

    Maureen E. Steer MDiv, Holistic Disciplines Manager at Cornerstone VNA, and her beloved Australian Shepherd, Lucy.

    ROCHESTER – Maureen E. Steer MDiv, Holistic Disciplines Manager at Cornerstone VNA, shared that her beloved Australian Shepherd, Lucy, has recently achieved certification as a therapy dog. Lucy's training was comprehensive, and she graduated with great reports. Starting as a puppy, she trained for over a year and became certified as a K-9 Good Citizen by Inspire K-9 in Barnstead. She was officially certified as a therapy dog by Love on a Leash, a national program. According to Love on a Leash, “A therapy pet is trained and certified with its owner as a team to provide comfort and stress relief to others in a variety of situations.”

    Lucy will now be lending her compassionate presence and unwavering support to Hospice patients. Moreover, she will play a special role in bereavement sessions and group grief support meetings, offering comfort and solace to those in need. The addition of Lucy to the Cornerstone VNA team will undoubtedly enhance their ability to provide holistic care and bring moments of joy and healing to those they serve.

    Lucy has spent the last year working on a variety of competencies and situations in the community and in the Cornerstone VNA office, where she was surrounded by a supportive and caring team. Whenever Lucy arrives at the office, team members can be heard exclaiming, “Oh good, I needed a Lucy day today.”

    Cornerstone VNA is proud of the response they’ve received from this wonderful Therapy Dog Volunteer duo of Maureen and Lucy. Katherine Michaud MS, OTR/L, Cornerstone VNA Behavioral Health Coordinator explains, “Pet therapy dogs provide comfort, encourage communication, decrease stress, and reduce loneliness. A visit from a dog can really brighten someone’s day.” The pet companion volunteer opportunity is a wonderful way for volunteers and their dogs to provide support and friendship to patients and community members. For more information about the pet companion volunteer team, contact Ann Vennard at 603-994-6941 or AVennard@cornerstonevna.org.

    Dartmouth Health surgeons help bring trauma kits to state-run facilities

    LEBANON – Two Dartmouth Health physicians were instrumental in the recently-passed New Hampshire Senate bill to require trauma kits in state-run facilities. SB 204, which received bipartisan support, will require a trauma kit be installed and readily available for bleeding emergencies in state owned buildings identified as high-traffic places for the public and staff. Examples of these buildings include courthouses, the department of motor vehicles, liquor stores, and the State House.

    Sen. Sue Prentiss, D-Lebanon, a paramedic by training, worked with Eric D. Martin, MD, and Alexandra Briggs, MD, both trauma surgeons at Dartmouth Health’s Dartmouth Hitchcock Medical Center (DHMC), on the legislation. Prentiss reached out to Martin, who serves as director of New Hampshire’s trauma system and chair of the state’s trauma medical review committee, for his and Briggs’ assistance after they spoke out in support of Stop the Bleed. This program is an effort of the American College of Surgeons to train people in how to stop bleeding in a severely injured person.

    “As the only Level 1 trauma center in the state, they see many critically injured people in New Hampshire at DHMC’s emergency department,” Martin said. “But having the proper initial treatment to stop bleeding when someone is seriously hurt, before they get to the hospital, is crucial to help save lives. Dr. Briggs and I were thrilled to support this effort on the state level to make sure their highest-traffic state-run facilities are equipped with the on hand tools to stop serious bleeding and provide the right care to people in a mass casualty event.”

    Uncontrolled bleeding due to trauma is the third leading cause of death in New Hampshire between the ages of 1-45. This legislation will bring hemorrhage control into the hands of the public, supplying a critical need for New Hampshire and aligning with similar bleeding control efforts nationwide.

    “As DHMC has the only Level 1 trauma center in the state, it was an honor to work with Dr. Martin and Dr. Briggs on this legislation as they are leading experts in this area. Placing tourniquets in select state-owned buildings is an essential first step in protecting the public and state employees,” Prentiss said. “My hope is that trauma kits will be placed in additional state and local governments, and that schools and the private sector will also see the importance of installing kits in their buildings.”

    This article originally appeared on Portsmouth Herald: Exeter Hospital recognition, therapy dog at Cornerstone VNA: Seacoast health news


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    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 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.


    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:


    • 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


    • 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