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 NCBTMB?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der NCBTMB: National Certification Board for Therapeutic Massage & Bodywork Prüfung.

2024 Updated Actual NCBTMB questions as experienced in Test Center

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

E html>

Medical NCBTMB : National Certification Board for Therapeutic Massage & Bodywork ACTUAL EXAM QUESTIONS

Exam Dumps Organized by Martha nods



Latest 2024 Updated Medical National Certification Board for Therapeutic Massage & Bodywork Syllabus
NCBTMB ACTUAL EXAM QUESTIONS / Braindumps contains real test Questions

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




NCBTMB Test Center Questions : Download 100% Free NCBTMB ACTUAL EXAM QUESTIONS (PDF and VCE)

Exam Number : NCBTMB
Exam Name : National Certification Board for Therapeutic Massage & Bodywork
Vendor Name : Medical
Update : Click Here to Check Latest Update
Question Bank : Check Questions

Trust these NCBTMB Actual Questions and go for real test.
To master all the NCBTMB test topics, make your concepts crystal clear with killexams.com NCBTMB test practice materials, and go through the complete dumps questions several times. There is no need to obtain any outdated free content from the internet. Simply practice with their NCBTMB test practice materials and pass the test with flying colors.

Killexams.com is a provider of the Latest, Valid, and 2024 Up-to-date Medical National Certification Board for Therapeutic Massage & Bodywork dumps that are essential to breeze through the NCBTMB test. These dumps can help boost your expertise and standing within your organization. Their aim is to assist people in passing the NCBTMB test on their first try. Their NCBTMB Cheatsheet has consistently remained at the top for the past four years, which is why their clients trust their PDF Braindumps and VCE for their genuine NCBTMB test. They are the most credible source for real NCBTMB test questions, and they ensure that their NCBTMB PDF Dumps remains relevant and up-to-date.

Although there are numerous Latest Questions providers on the internet, a significant portion of them offer outdated NCBTMB Cheatsheet. To ensure that you find a reliable and trustworthy NCBTMB PDF Dumps provider, they recommend that you go directly to killexams.com. Do not waste your time and money on ineffective resources. Instead, you can obtain 100 percent free NCBTMB Latest Questions from their website and attempt the example questions. If you are satisfied with their services, you can register and gain access to the most recent and legitimate NCBTMB Cheatsheet, which includes real test questions and replies. Additionally, you should consider getting NCBTMB VCE test system for your preparation.







NCBTMB test Format | NCBTMB Course Contents | NCBTMB Course Outline | NCBTMB test Syllabus | NCBTMB test Objectives


BOARD CERTIFICATION IN THERAPEUTIC MASSAGE & BODYWORK (BCTMB)

Board Certification in Therapeutic Massage and Bodywork represents the highest attainable credential within the massage therapy and bodywork profession. Board Certification is a separate credential above and beyond entry-level massage therapy licensure.



As Board Certification is voluntary, its achievement represents the highest level of commitment to clients and to the advancement of the massage therapy and bodywork profession. Board Certificants must meet higher standards of education and experience, as well as pass a rigorous test that tests massage therapy and bodywork technique and application, critical thinking, communication, law, ethics, evaluation, documentation, and planning.



NCBTMB is the only certifying body for the massage therapy and bodywork profession. For that reason, NCBTMBs certification processes are founded upon a superior Code of Ethics and Standards of Practice, which all Board Certificants must adhere to. Like their Certificants, the advancement of the profession and the improvement of client care is their focus.



Board Certification in Therapeutic Massage and Bodywork (BCTMB) is the highest attainable credential within the massage therapy and bodywork profession. It is a separate credential above and beyond entry-level, mandatory state licensure.

Board Certificants must meet stringent requirements, clear a recurring criminal background check, and pass the Board Certification Exam.

Board Certification is so much more than having an entry-level massage license. By achieving the profession's highest attainable credential, you represent advanced standards of education, experience, critical thinking, and test skills to provide clients and patients positive outcomes.



In the past, massage therapists have not made Board Certification a priority as it is voluntary—but that is changing rapidly in both clinical and staff positions. As massage therapy gains traction as a reimbursable, non-pharmaceutical method for pain relief, insurance companies and other approval entities will look for, or may even require, Board Certification to make this possible.



Course Outline | Syllabus | Objectives

I. Massage Modalities, Techniques, And Manual Forces (20%)

• Knowledge

• General massage protocols

• Compression

• Tension/decompression

• Friction/shearing

• Bending

• PNF, MFR, pin and stretch, etc.

• Torsion

• Range of motion

• Muscle Energy Techniques

• Stretching

• Hydrotherapy

• Indications and contraindications

• Vibration (jostling, shaking)

• Tapotement

• Client/patient positioning

• Special population (pregnancy massage, oncology massage, etc.)

• Appropriate tools and appropriate use

• Efficient body mechanics

• Benefits and effects of modalities (forms), and techniques

• Modality literacy Skills

• Determine applicable massage techniques when working with clients

• Apply massage techniques safely

• Perform massage on special populations

• (athletes, geriatric, prenatal, etc.)

• Identify contraindications and apply affective techniques

• Identify fundamental characteristics of bodywork modalities

• Perform proper body mechanics while working with different populations

• Position clients for comfort and safety

II. Applied Science: Anatomy, Physiology, Kinesiology, Pathology/ Injury, and Pharmacology (25%)

Knowledge

• Anatomy (structure of the human body including joints, tissues, muscles, functions, origins, insertions, and actions, nerve
structure, etc.)

• Physiology – systems of the body with:

• i. in-depth knowledge in muscle, skeletal, and nervous systems

• ii. intermediate knowledge in integumentary, cardiovascular, lymphatic and digestive systems iii. basic knowledge in respiratory, endocrine, reproductive and urinary systems

• Kinesiology (mechanics of body movement including levers, agonists, antagonists, synergist, etc.)

• Pharmacology (contraindications of prescription and non-prescription medication, implications for massage, etc.)

• Standard precautions

• Endangerment sites

Skills

• Identify structures and functions of all body systems

• Identify muscle and joint physiology

• Recognize mechanics of body movement –

• agonists, antagonists and synergists

• Identify and apply range of motion techniques

– passive, active, active assisted and resistive range of motion

• Identify endangerment/cautionary sites

• Recognize muscle and orthopedic testing

• Identify indications and contraindications of common prescription drugs

• Determine proper stretching techniques and “end feels”

III. Professional Communication (15%)

Knowledge

• Medical terminology

• How to communicate with client/patient in understandable terms

• Reporting formats (appropriate language in medical history, treatment plan, SOAP notes, EMR etc.)

• HIPAA

• Communication with clients/patients (asking questions to clarify information)

• Client/patient sensitivity and vulnerabilities (how to make clients comfortable during treatment)

• Verbal and non-verbal cues

• Informed consent

Skills

• Effectively communicate with clients when explaining treatment plans

• Describe techniques, anatomy, physiology and kinesiology in understandable terms

• Identify HIPAA procedures

• Work within client comfort levels

• Adapt to verbal and non-verbal cues when working with clients

• Document sessions appropriate to the work setting – SOAP, EMR, spa etc.

• Uphold all HIPAA confidentiality standards

• Effectively communicate in proper medical terminology when working with other healthcare professionals

IV. Professionalism & Ethics (10%)

Knowledge

• Current standard of care for safe and effective massage

• Professional boundaries

• Draping laws and techniques

• When to refer clients to other health professionals

• When, why and how to refuse treatment

• How to report misconduct and who to report to

• Transference and countertransference

Skills

• Maintain proper physical and emotional boundaries

• Respect clients right to say no

• Identify when to refer out and whom to refer clients with pathologies

• Identify transference and countertransference situations

• Identify when to refuse to treat clients

• Identify correct entities to report client or fellow massage therapists misconduct

V. Laws & Business Practices (5%)

Knowledge

• Appropriate draping

• Continuing education requirements

• Scope of practice and applicable licensing laws

• Record keeping (business and client/patient)

Skills

• Maintain client confidentiality

• Perform only within the massage therapy scope of practice

• Maintain appropriate draping for client protection and privacy

• Represent educational and professional

• qualifications honestly

• Demonstrate proper business and client record keeping

• Abide by national organizations code of conduct and policies

• Comply with all federal state and local laws

VI. Assessment (25%)

Knowledge

• Comprehensive intake

• Interview and data collection techniques

• Observation techniques (posture deviation, etc.)

• Range of motion (normal and abnormal body motions)

• Treatment session planning techniques in collaboration with client/patient and other healthcare professionals when necessary

• Indications and contraindications

• Functional exams and reassessments

• Customized treatments

• Pain scale and pain management

• Medical terminology (SOAP charting, etc.)

• Clinical reasoning (analyzing information from client/patient)

• Research associated with massage therapy

Skills

• Conduct an effective and thorough intake interview to gather information

• Interpret client health history information

• Customize treatment plans to fit the needs of • each client

• Discuss treatment plan and alternate plans if requested by the client

• Determine common pain scale descriptions

• Utilize palpatory skills to assess soft tissue

• Perform and interpret active and passive range of motion exams

• Perform and interpret postural analysis

• Perform and interpret gait exam

• Perform and interpret manual resistance tests

• Perform and interpret special orthopedic tests

• Reassess client movement, strength and range of motion post – treatment

• Document all findings properly pre and post treatment and change treatment plans accordingly

• Collaborate with other healthcare professionals as needed

• Communicate using appropriate medical terminology when speaking with other medical professionals and in official documentation

• Work effectively as part of an integrated healthcare team

• Recognize and analyze research

• Identify different areas of research



Killexams Review | Reputation | Testimonials | Feedback


Do not forget to get these Latest Braindumps questions for NCBTMB exam.
I recently passed the NCBTMB test with a high score of 98% using the killexams.com dumps. I spent over a week memorizing all the mock test provided in the education material. Thanks to the killexams.com team for the exquisite education material and helping me achieve my success.


Is there someone who passed NCBTMB exam?
Before using killexams.com, passing the NCBTMB test seemed unrealistic to me due to its difficulty. However, the mock test dump provided me with the necessary skills and knowledge to pass the test with 90%. I never scored this high on any previous exam. The dump was well-designed, effective, and reliable, making it a dynamic resource. Thank you, killexams.com.


NCBTMB mock test required to pass the certification test at the beginning try.
Although some of the questions in the NCBTMB test were not covered in the dumps questions from killexams.com, it still helped me pass the exam. Their technical mock test were a great resource, and I appreciate killexams.com for their effort in making us technically sound.


Obtained all NCBTMB Questions in dumps that I noticed in real exam.
Selecting killexams.com for my NCBTMB test preparation was a wise decision. The patterns and questions were distributed evenly, enabling me to raise my bar by the time I reached the final simulation exam. I appreciate the effort and honesty of the team, and I thank them for their support in helping me pass the exam.


What are core targets of NCBTMB exam?
I passed the NCBTMB test with almost perfect marks, and I owe it to killexams.com. Their testing engine provided me with a comprehensive preparation that made me feel confident and ready for any query that could come up during the exam. The instruction material was relevant and useful, and I cannot thank killexams.com enough for making my success possible.


Medical for teaching

http://www.pass4surez.com/art/read.php?keyword=Medical+for+teaching
https://www.pass4surez.com/art/read.php?keyword=Medical+for+teaching&lang=us&links=remove

Unquestionably it is hard assignment to pick dependable certification questions/answers assets regarding review, reputation and validity since individuals get sham because of picking incorrectly benefit. Killexams.com ensure to serve its customers best to its assets concerning ACTUAL EXAM QUESTIONS update and validity. The vast majority of other's sham report dissension customers come to us for the brain dumps and pass their exams joyfully and effortlessly. They never trade off on their review, reputation and quality on the grounds that killexams review, killexams reputation and killexams customer certainty is imperative to us. Uniquely they deal with killexams.com review, killexams.com reputation, killexams.com sham report objection, killexams.com trust, killexams.com validity, killexams.com report and killexams.com scam. On the off chance that you see any false report posted by their rivals with the name killexams sham report grievance web, killexams.com sham report, killexams.com scam, killexams.com protest or something like this, simply remember there are constantly awful individuals harming reputation of good administrations because of their advantages. There are a huge number of fulfilled clients that pass their exams utilizing killexams.com brain dumps, killexams PDF questions, killexams hone questions, killexams test simulator. Visit Killexams.com, their specimen questions and test brain dumps, their test simulator and you will realize that killexams.com is the best brain dumps site.

Which is the best dumps website?
Of course, Killexams is practically legit in addition to fully dependable. There are several benefits that makes killexams.com legitimate and respectable. It provides up-to-date and practically valid ACTUAL EXAM QUESTIONS containing real exams questions and answers. Price is suprisingly low as compared to almost all the services online. The mock test are up to date on regular basis utilizing most recent brain dumps. Killexams account launched and products delivery is really fast. Data downloading is certainly unlimited and also fast. Help support is avaiable via Livechat and Netmail. These are the features that makes killexams.com a strong website offering 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 real 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 obtain 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 dumps questions 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 obtain PDF test Questions from killexams.com and get ready for real exam. When you feel that you should register for Premium Version, Just choose visit killexams.com and register, you will receive your Username/Password in your Email within 5 to 10 minutes. All the future updates and changes in mock test will be provided in your obtain Account. You can obtain Premium ACTUAL EXAM QUESTIONS files as many times as you want, There is no limit.

Killexams.com has provided VCE VCE 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 real Test. Go register for Test in Test Center and Enjoy your Success.




090-160 test practice | CPQ-201 training material | PCPP-32-101 practice questions | E20-555 pass marks | CMA braindumps | AANP-AGNP test Braindumps | PMI-RMP cbt | ASWB braindump questions | NACD study guide | F50-536 test papers | HPE6-A81 Real test Questions | 300-100 assessment test trial | C1000-058 mock questions | 3V0-42.20 PDF Braindumps | 1T6-540 practice test | Salesforce-Certified-B2C-Commerce-Developer free pdf | CLSSYB test prep | PMI-200 dumps | VCS-278 test Questions | AAMA-CMA mock test |


NCBTMB - National Certification Board for Therapeutic Massage & Bodywork book
NCBTMB - National Certification Board for Therapeutic Massage & Bodywork study tips
NCBTMB - National Certification Board for Therapeutic Massage & Bodywork ACTUAL EXAM QUESTIONS
NCBTMB - National Certification Board for Therapeutic Massage & Bodywork guide
NCBTMB - National Certification Board for Therapeutic Massage & Bodywork test Questions
NCBTMB - National Certification Board for Therapeutic Massage & Bodywork braindumps
NCBTMB - National Certification Board for Therapeutic Massage & Bodywork test Questions
NCBTMB - National Certification Board for Therapeutic Massage & Bodywork braindumps
NCBTMB - National Certification Board for Therapeutic Massage & Bodywork test prep
NCBTMB - National Certification Board for Therapeutic Massage & Bodywork information source
NCBTMB - National Certification Board for Therapeutic Massage & Bodywork course outline
NCBTMB - National Certification Board for Therapeutic Massage & Bodywork braindumps
NCBTMB - National Certification Board for Therapeutic Massage & Bodywork Practice Test
NCBTMB - National Certification Board for Therapeutic Massage & Bodywork tricks
NCBTMB - National Certification Board for Therapeutic Massage & Bodywork tricks
NCBTMB - National Certification Board for Therapeutic Massage & Bodywork answers
NCBTMB - National Certification Board for Therapeutic Massage & Bodywork Latest Questions
NCBTMB - National Certification Board for Therapeutic Massage & Bodywork information search
NCBTMB - National Certification Board for Therapeutic Massage & Bodywork book
NCBTMB - National Certification Board for Therapeutic Massage & Bodywork ACTUAL EXAM QUESTIONS
NCBTMB - National Certification Board for Therapeutic Massage & Bodywork Dumps
NCBTMB - National Certification Board for Therapeutic Massage & Bodywork guide
NCBTMB - National Certification Board for Therapeutic Massage & Bodywork tricks
NCBTMB - National Certification Board for Therapeutic Massage & Bodywork answers
NCBTMB - National Certification Board for Therapeutic Massage & Bodywork information source
NCBTMB - National Certification Board for Therapeutic Massage & Bodywork education
NCBTMB - National Certification Board for Therapeutic Massage & Bodywork Latest Topics
NCBTMB - National Certification Board for Therapeutic Massage & Bodywork tricks
NCBTMB - National Certification Board for Therapeutic Massage & Bodywork questions
NCBTMB - National Certification Board for Therapeutic Massage & Bodywork course outline
NCBTMB - National Certification Board for Therapeutic Massage & Bodywork braindumps
NCBTMB - National Certification Board for Therapeutic Massage & Bodywork cheat sheet
NCBTMB - National Certification Board for Therapeutic Massage & Bodywork Test Prep
NCBTMB - National Certification Board for Therapeutic Massage & Bodywork test Cram
NCBTMB - National Certification Board for Therapeutic Massage & Bodywork education
NCBTMB - National Certification Board for Therapeutic Massage & Bodywork test prep
NCBTMB - National Certification Board for Therapeutic Massage & Bodywork PDF Download
NCBTMB - National Certification Board for Therapeutic Massage & Bodywork Cheatsheet
NCBTMB - National Certification Board for Therapeutic Massage & Bodywork test Questions
NCBTMB - National Certification Board for Therapeutic Massage & Bodywork cheat sheet
NCBTMB - National Certification Board for Therapeutic Massage & Bodywork testing
NCBTMB - National Certification Board for Therapeutic Massage & Bodywork dumps
NCBTMB - National Certification Board for Therapeutic Massage & Bodywork test contents
NCBTMB - National Certification Board for Therapeutic Massage & Bodywork teaching

Other Medical ACTUAL EXAM QUESTIONS


VTNE Test Prep | CDCA-ADEX trial test questions | AHM-540 Free test PDF | PRA-CPRP pass exam | CPM Dumps | NPTE braindumps | DTR test prep | GP-Doctor real questions | CCM real questions | NREMT-PTE question test | DHORT braindumps | OCS PDF Download | INBDE practice questions | AEMT pdf download | NAPLEX free prep | RDN free online test | VACC practice exam | RPFT Latest Questions | CDM cheat sheet pdf | RRT-ACCS braindumps |


Best ACTUAL EXAM QUESTIONS You Ever Experienced


NY-Property-and-Casualty study guide | AZ-220 braindumps | DEA-5TT1 ACTUAL EXAM QUESTIONS | HPE0-V15 Latest Topics | SPLK-2002 practice test | MHAP test answers | NCSE-Core test questions | NAWCO-AWCC braindumps | ANCB-CARN test results | DEA-2TT4 Practice Questions | H12-222 test questions | PDII trial test questions | Salesforce-B2B-Commerce-Administrator free pdf | ACE-CHC ACTUAL EXAM QUESTIONS | Salesforce-AI-Associate pass exam | ABPANC-CPAN test prep | 4A0-104 free pdf | 2B0-104 test questions | PAL-EBM real Questions | Salesforce-B2B-Solution-Architect Test Prep |





References :


https://killexams-posting.dropmark.com/817438/23550898
http://killexams-braindumps.blogspot.com/2020/06/ncbtmb-questions-pdf-download-with-free.html
https://www.instapaper.com/read/1317016321
https://killexams-posting.dropmark.com/817438/23725205
https://www.coursehero.com/file/67722955/National-Certification-Board-for-Therapeutic-Massage-Bodywork-NCBTMBpdf/
https://sites.google.com/view/killexams-ncbtmb-dumps
http://account1.isblog.net/ncbtmb-national-certification-board-for-therapeutic-massage-bodywork-2021-update-question-bank-by-killexams-com-14599507
http://feeds.feedburner.com/RealHc-711-chsQuestionsThatShowedUpInTestToday
https://files.fm/f/acpa3pbxn



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






Direct Download

NCBTMB 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.

NCBTMB Reviews

100% Valid and Up to Date NCBTMB 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