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 NBSTSA-CST?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der NBSTSA-CST: Certified Surgical Technologist Prüfung.

2024 Updated Actual NBSTSA-CST questions as experienced in Test Center

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

E html>

NBSTSA NBSTSA-CST : Certified Surgical Technologist ACTUAL EXAM QUESTIONS

Exam Dumps Organized by Martin Hoax



Latest 2024 Updated NBSTSA Certified Surgical Technologist Syllabus
NBSTSA-CST ACTUAL EXAM QUESTIONS / Braindumps contains genuine test Questions

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




NBSTSA-CST Exam Center Questions : Download 100% Free NBSTSA-CST ACTUAL EXAM QUESTIONS (PDF and VCE)

Exam Number : NBSTSA-CST
Exam Name : Certified Surgical Technologist
Vendor Name : NBSTSA
Update : Click Here to Check Latest Update
Question Bank : Check Questions

Forget Failing NBSTSA-CST test with these Exam Questions and Study Guide
At killexams.com, they provide the latest and most updated NBSTSA-CST real questions with Latest Questions and braindumps for new syllabus of the NBSTSA NBSTSA-CST Exam. Practice with their genuine mock test to Excellerate your knowledge and pass your test with high scores. They ensure your success in the Exam Center by covering all the syllabus of the test and building your knowledge of the NBSTSA-CST exam. Pass with their correct questions.

We provide genuine NBSTSA-CST test mock test PDF Dumps in 2 formats: NBSTSA-CST PDF document and NBSTSA-CST VCE test simulator. The NBSTSA-CST real test is quite different from the NBSTSA exam, so simply memorizing the NBSTSA-CST coursebook is not enough. You can get the NBSTSA-CST PDF Dumps PDF file on any device and even print NBSTSA-CST Dumps to make your own study guide. Their pass rate is high at 98.9% and the similarity between their NBSTSA-CST questions and the genuine test is 98%. If you want to succeed in the NBSTSA-CST test in just one attempt, visit killexams.com to get the NBSTSA NBSTSA-CST real test questions.

You can get the NBSTSA-CST Dumps PDF on any device such as iPad, iPhone, PC, smart TV, or Android to read and memorize the NBSTSA-CST questions. However, just memorizing is not enough. You should invest as much time as possible in practicing the questions and taking tests with the VCE test simulator. This will help you to remember the questions and answer them correctly, just as you would in a real test. With enough practice, you will Excellerate your marks and be well-prepared for the genuine NBSTSA-CST exam.







NBSTSA-CST test Format | NBSTSA-CST Course Contents | NBSTSA-CST Course Outline | NBSTSA-CST test Syllabus | NBSTSA-CST test Objectives


The CST examination consists of 175 questions, 150 of which are scored. The 25 pretest items (unscored) are randomly distributed throughout the examination for the purpose of analysis and statistical evaluation. The passing score is the
minimum number of questions that must be answered correctly. Candidates should refer to nbstsa.org for the number of questions which must be answered correctly in order to obtain a passing score. Score reports are provided to all candidates who take the examination



I. PERIOPERATIVE CARE (91 items)

A. Preoperative Preparation (18 items)

- Review surgeons preference card.

- Verify availability of surgery equipment (e.g., reserve equipment for surgery).

- Don personal protective equipment.

- Utilize preoperative documentation (e.g., informed consent, advanced directives, allergies, laboratory results).

- Consider patient needs (e.g., bariatrics, geriatrics, pediatrics, immunocompromised, patient allergies).

- Prepare the operating room environment (e.g., temperature, lights, suction, wiping down the room and furniture).

- Coordinate additional equipment (e.g., bovie pad, pneumatic tourniquet, sequential compression devices, thermoregulatory devices, positioning devices).

- Obtain instruments and supplies needed for surgery.

- Perform medical hand wash.

- Check package integrity of sterile supplies.

- Open sterile supplies/instruments while maintaining aseptic technique.

- Perform surgical scrub (e.g., initial, waterless).

- Don gown and gloves.

- Assemble and set up sterile instruments and supplies for surgical procedures.

- Transport the patient to and from operating room.

- Transfer patient to operating room table.

- Apply patient safety devices (e.g., bovie pad, safety strap, protective padding, x-ray safety).

- Apply patient monitoring devices as directed.

- Participate in positioning the patient.

- Prepare surgical site (e.g., hair removal, surgical preparation).

- Gown and glove sterile team members.

- Participate in draping the patient.

- Secure cords/tubing to drapes and apply light handles.

- Drape specialty equipment (e.g., c-arm, Da Vinci, microscope).

- Participate in Universal Protocol (Time Out).



B. Intraoperative Procedures (61 items)

- Maintain aseptic technique throughout the procedure.

- Follow Standard and Universal Precautions.

- Anticipate the steps of surgical procedures.

- Perform counts with circulator at appropriate intervals.

- Verify, receive, mix, and label all medications and solutions.

- Provide intraoperative assistance under the direction of the surgeon.

- Identify different types of operative incisions.

- Identify instruments by:

- function.

- application.

- classification.

- Assemble, test, operate, and disassemble specialty equipment:

- microscopes.

- computer navigation systems.

- thermal technology.

- laser technology (e.g., helium, argon, CO2 beam coagulators).

- ultrasound technology (e.g., harmonic scalpel, phacoemulsification).

- endoscopic technology.

- power equipment.

- Assemble and maintain retractors.

- Pass instruments and supplies.

- Identify appropriate usage of sutures/needles and stapling devices.

- Prepare, pass, and cut suture material as directed.

- Provide assistance with stapling devices.

- Differentiate among the various methods and applications of hemostasis (e.g., mechanical, thermal, chemical).

- Irrigate, suction, and sponge operative site.

- Monitor medication and solution use.

- Verify with surgeon the correct type and/or size of specialty specific implantable items.

- Prepare bone and tissue grafts (e.g., allograft, autograft, synthetic).

- Verify, prepare, and label specimen(s).

- Prepare drains, catheters, and tubing for insertion.

- Observe patients intraoperative status (e.g., monitor color of blood, blood loss, patient position).

- Perform appropriate actions during an emergency.

- Initiate preventative actions in potentially harmful situations.

- Connect and activate drains to suction apparatus.

- Prepare dressings and wound site.

- Assist in the application of casts, splints, braces, and similar devices.



C. Postoperative Procedures (12 items)

- Report medication and solution amount used.

- Participate in case debrief.

- Remove drapes and other equipment (e.g., suction, cautery, instrumentation,nondisposable items) from patient.

- Report abnormal postoperative findings (e.g., bleeding at surgical site,hematoma, rash).

- Dispose of contaminated waste and drapes after surgery incompliance with Standard Precautions.

- Transfer patient from operating table to stretcher.

- Dispose of contaminated sharps after surgery in compliance with Standard Precautions.

- Perform room clean up and restock supplies.



II. ANCILLARY DUTIES (26 items)



A. Administrative and Personnel (9 items)



- Revise surgeons preference card as necessary.

- Follow proper cost containment processes.

- Utilize computer technology for:

- surgeons preference cards

- interdepartmental communication

- continuing education.

- research.

- Follow hospital and national disaster plan protocol.

- Recognize safety and environmental hazards (e.g., fire, chemical spill, laser, smoke).

- Understand basic principles of electricity and electrical safety.

- Apply ethical and legal practices related to surgical patient care.

- Use interpersonal skills (e.g., listening, diplomacy, responsiveness) and group dynamics.

- Understand the importance of cultural diversity.

- Understand concepts of death and dying.

- Participate in organ and tissue procurement.

- Serve as preceptor to perioperative personnel.



B. Equipment Sterilization and Maintenance (17 items)

- Troubleshoot equipment malfunctions.

- Decontaminate and clean instruments and equipment.

- Inspect, test, and assemble instruments and equipment.

- Sterilize instruments for immediate use (e.g., short cycle).

- Package and sterilize instruments and equipment.



III. BASIC SCIENCE (33 items)



A. Anatomy and Physiology (20 items)



- Use appropriate medical terminology and abbreviations.

- Demonstrate knowledge of anatomical systems as they relate to the surgical procedure:

- cardiovascular.

- endocrine.

- gastrointestinal.

- genitourinary.

- integumentary.

- lymphatic.

- muscular.

- neurological.

- ophthalmic.

- otorhinolaryngology.

- peripheral vascular.

- pulmonary.

- reproductive.

- skeletal.



- Demonstrate knowledge of human physiology as they relate to the surgical procedure:

- cardiovascular.

- endocrine.

- gastrointestinal.

- genitourinary.

- integumentary.

- lymphatic.

- muscular.

- neurological.

- ophthalmic.

- otorhinolaryngology.

- peripheral vascular.

- pulmonary.

- reproductive.

- skeletal.

- Identify the following surgical pathologies:

- abnormal anatomy.

- disease processes.

- malignancies.

- traumatic injuries.



B. Microbiology (6 items)

- Apply principles of surgical microbiology to operative practice:

- classification and pathogenesis of microorganisms (e.g., cultures).

- infection control procedures (e.g., aseptic technique).

- principles of tissue handling (e.g., Halsted principles, tissue manipulation methods, traction/counter traction).

- stages of, and factors influencing wound healing (e.g., condition of patient, wound type).

- surgical wound classification.

- Identify and address factors that can influence an infectious process.



C. Surgical Pharmacology (7 items)

- Apply principles of surgical pharmacology to operative practice:

- anesthesia related agents and medications.

- blood and fluid replacement.

- complications from drug interactions (e.g., malignant hyperthermia).

- methods of anesthesia administration (e.g., general, local, block).

- types, uses, action, and interactions of drugs and solution (e.g., hemostaticagents, antibiotics, IV solutions).

- weights, measures, and conversions.

- Maintain awareness of maximum dosage.



Killexams Review | Reputation | Testimonials | Feedback


Do you need updated dumps for NBSTSA-CST exam? Here it is.
I highly recommend this package to anyone planning to take the NBSTSA-CST exam. The certification exams are difficult, and it requires a lot of work to pass them. killexams.com does most of the heavy lifting for you. The NBSTSA-CST test questions I received from this website were very similar to those on the genuine exam. Without these dumps, I would have failed, and that is why many people do not pass the NBSTSA-CST test on their first attempt.


Up to date and reliable brain dumps latest NBSTSA-CST are available here.
I made a quick decision to use killexams.com's braindumps as my test partner for the NBSTSA-CST exam. I was ecstatic to see the questions on display, as they were like copied questions from killexams.com dumps. This helped me pass with a 97% score in only 65 minutes.


No time to study books! need some thing speedy preparing.
As a network expert, I thought appearing for the NBSTSA-CST test would be beneficial for my profession, but time restraints made it difficult for me to prepare. However, killexams.com mock test proved to be an effective study guide and enabled me to finish the test in just 70 minutes.


Did you tried this wonderful source of latest NBSTSA-CST genuine questions.
Thanks to killexams.com, I had access to valid test mock test that helped me pass the NBSTSA-CST test with ease. Despite not having spent much time studying, I found the questions to be accurate and relevant. Even if one has only basic knowledge of the NBSTSA-CST test and its services, they can still pass using this package. Although the vast amount of data initially confused me, I eventually began to understand and had an enjoyable experience with killexams.com.


Do the quickest way to pass NBSTSA-CST exam? i have got it.
I used to be a below-average candidate, which made me pass the NBSTSA-CST exam. However, after using killexams.com, I passed with a 98% score. I have never used such a super Dump for my knowledge before. I found it to be a great assistance for the NBSTSA-CST test and plan to use killexams.com for my future tests as well.


NBSTSA Surgical certification

http://www.pass4surez.com/art/read.php?keyword=NBSTSA+Surgical+certification
https://www.pass4surez.com/art/read.php?keyword=NBSTSA+Surgical+certification&lang=us&links=remove



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

Which is the best dumps website?
Absolutely yes, Killexams is 100% legit along with fully efficient. There are several benefits that makes killexams.com legitimate and reliable. It provides up to date and 100% valid ACTUAL EXAM QUESTIONS that contain real exams questions and answers. Price is nominal as compared to a lot of the services online. The mock test are up to date on typical basis using most latest brain dumps. Killexams account build up and item delivery is extremely fast. Report downloading is certainly unlimited and very fast. Support is avaiable via Livechat and Message. These are the characteristics that makes killexams.com a strong website that supply ACTUAL EXAM QUESTIONS with real exams questions.



Is killexams.com test material dependable?
There are several mock test provider in the market claiming that they provide genuine test Questions, Braindumps, Practice Tests, Study Guides, cheat sheet and many other names, but most of them are re-sellers that do not update their contents frequently. Killexams.com is best website of Year 2024 that understands the issue candidates face when they spend their time studying obsolete contents taken from free pdf get sites or reseller sites. Thats why killexams.com update test mock test with the same frequency as they are updated in Real Test. ACTUAL EXAM QUESTIONS provided by killexams.com are Reliable, Up-to-date and validated by Certified Professionals. They maintain examcollection of valid Questions that is kept up-to-date by checking update on daily basis.

If you want to Pass your test Fast with improvement in your knowledge about latest course contents and syllabus of new syllabus, They recommend to get PDF test Questions from killexams.com and get ready for genuine exam. When you feel that you should register for Premium Version, Just choose visit killexams.com and register, you will receive your Username/Password in your Email within 5 to 10 minutes. All the future updates and changes in mock test will be provided in your get Account. You can get Premium ACTUAL EXAM QUESTIONS files as many times as you want, There is no limit.

Killexams.com has provided VCE practice test Software to Practice your test by Taking Test Frequently. It asks the Real test Questions and Marks Your Progress. You can take test as many times as you want. There is no limit. It will make your test prep very fast and effective. When you start getting 100% Marks with complete Pool of Questions, you will be ready to take genuine Test. Go register for Test in Exam Center and Enjoy your Success.




ISO-ISMS-LA braindump questions | HQT-4120 test tips | CABA practice questions | PCIP3-0 braindumps | HESI-A2 practice test | OG0-061 past bar exams | C1000-168 cheat sheet | BI0-210 ACTUAL EXAM QUESTIONS | CCRA Test Prep | 050-708 mock test | AACN-CSC ACTUAL EXAM QUESTIONS | CLF-C01 PDF Braindumps | NHDP-BC dumps questions | 350-601 free practice questions | ACA-Sec1 examcollection | NAPLEX free pdf | TEAS-V7 cram | 500-490 test Questions | CTFL-PT practice test | STAAR study questions |


NBSTSA-CST - Certified Surgical Technologist dumps
NBSTSA-CST - Certified Surgical Technologist Question Bank
NBSTSA-CST - Certified Surgical Technologist course outline
NBSTSA-CST - Certified Surgical Technologist Practice Test
NBSTSA-CST - Certified Surgical Technologist test prep
NBSTSA-CST - Certified Surgical Technologist exam
NBSTSA-CST - Certified Surgical Technologist Study Guide
NBSTSA-CST - Certified Surgical Technologist testing
NBSTSA-CST - Certified Surgical Technologist education
NBSTSA-CST - Certified Surgical Technologist PDF Braindumps
NBSTSA-CST - Certified Surgical Technologist learning
NBSTSA-CST - Certified Surgical Technologist information search
NBSTSA-CST - Certified Surgical Technologist learn
NBSTSA-CST - Certified Surgical Technologist PDF Download
NBSTSA-CST - Certified Surgical Technologist learn
NBSTSA-CST - Certified Surgical Technologist Latest Topics
NBSTSA-CST - Certified Surgical Technologist test Questions
NBSTSA-CST - Certified Surgical Technologist PDF Braindumps
NBSTSA-CST - Certified Surgical Technologist study tips
NBSTSA-CST - Certified Surgical Technologist Question Bank
NBSTSA-CST - Certified Surgical Technologist learn
NBSTSA-CST - Certified Surgical Technologist Question Bank
NBSTSA-CST - Certified Surgical Technologist Free PDF
NBSTSA-CST - Certified Surgical Technologist Dumps
NBSTSA-CST - Certified Surgical Technologist test Questions
NBSTSA-CST - Certified Surgical Technologist information search
NBSTSA-CST - Certified Surgical Technologist outline
NBSTSA-CST - Certified Surgical Technologist course outline
NBSTSA-CST - Certified Surgical Technologist answers
NBSTSA-CST - Certified Surgical Technologist syllabus
NBSTSA-CST - Certified Surgical Technologist dumps
NBSTSA-CST - Certified Surgical Technologist ACTUAL EXAM QUESTIONS
NBSTSA-CST - Certified Surgical Technologist Practice Questions
NBSTSA-CST - Certified Surgical Technologist teaching
NBSTSA-CST - Certified Surgical Technologist test Questions
NBSTSA-CST - Certified Surgical Technologist test Questions
NBSTSA-CST - Certified Surgical Technologist syllabus
NBSTSA-CST - Certified Surgical Technologist outline
NBSTSA-CST - Certified Surgical Technologist PDF Download
NBSTSA-CST - Certified Surgical Technologist Study Guide
NBSTSA-CST - Certified Surgical Technologist Question Bank
NBSTSA-CST - Certified Surgical Technologist study help
NBSTSA-CST - Certified Surgical Technologist learn
NBSTSA-CST - Certified Surgical Technologist Latest Questions

Other NBSTSA ACTUAL EXAM QUESTIONS


NBSTSA-CST free pdf download |


Best ACTUAL EXAM QUESTIONS You Ever Experienced


050-710 past exams | 500-230 test papers | DOP-C01 study material | CTFL-AuT download | Copado-Robotic-Testing practice exam | SPLK-3003 free practice tests | SCS-C02 braindumps | CPFO certification sample | BCP-521 test prep | AONL-CNML cheat sheets | HPE6-A48 brain dumps | 301b test questions | I10-003 Practice test | IAPP-CIPP-E test preparation | ACLS practice test | S90.20A braindumps | ACP-01301 model question | PMP questions and answers | CRCM real questions | H35-582-ENU free pdf |





References :


https://www.instapaper.com/read/1314254423
https://killexams-posting.dropmark.com/817438/23654687
http://killexams-braindumps.blogspot.com/2020/06/guaranteed-nbstsa-cst-exam-questions.html
https://killexams-posting.dropmark.com/817438/23730888
https://www.coursehero.com/file/69350917/Certified-Surgical-Technologist-NBSTSA-CSTpdf/
https://sites.google.com/view/killexams-nbstsa-cst-brain
https://youtu.be/_sPctzZJMpA
http://feeds.feedburner.com/WhenYouRememberThese642-467QaYouWillGet100Marks
https://files.fm/f/v2c7rynpc



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






Direct Download

NBSTSA-CST 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.

NBSTSA-CST Reviews

100% Valid and Up to Date NBSTSA-CST 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