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 NCCT-TSC?
Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der NCCT-TSC: NCCT Technician in Surgery Prüfung.
2023 Updated Actual NCCT-TSC questions as experienced in Test Center
Aktuelle NCCT-TSC Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz
![]() Medical NCCT-TSC : NCCT Technician in Surgery ACTUAL EXAM QUESTIONSExam Dumps Organized by Martin Hoax |
Latest 2023 Updated Medical NCCT Technician in Surgery Syllabus
NCCT-TSC ACTUAL EXAM QUESTIONS / Braindumps contains actual test Questions
Practice Tests and Free VCE Software - Questions Updated on Daily Basis
Big Discount / Cheapest price & 100% Pass Guarantee
NCCT-TSC Exam Center Questions : Download 100% Free NCCT-TSC ACTUAL EXAM QUESTIONS (PDF and VCE)
Exam Number : NCCT-TSC
Exam Name : NCCT Technician in Surgery
Vendor Name : Medical
Update : Click Here to Check Latest Update
Question Bank : Check Questions
Taken and up to date today NCCT-TSC Real test Questions
By studying their NCCT-TSC Exam Questions and Exam Cram, you can ensure your success in the real NCCT-TSC test with good grades or get your money back. They have compiled a dataset of NCCT-TSC cheat sheet from the actual test to help you prepare for the test at your first attempt. You can easily prepare for the test by using their VCE test system.
If you are on the lookout for the most current and updated ACTUAL EXAM QUESTIONS to pass your Medical NCCT-TSC test and secure a well-paying job, then killexams.com is your go-to source. By registering with killexams.com, you can simply download the most exact 2023 actual NCCT-TSC questions at exclusive discounts. Killexams.com has a team of professionals who are constantly collecting genuine test questions to ensure that you get the best quality materials. You will receive NCCT Technician in Surgery test questions that will guarantee your success in the NCCT-TSC exam. You can download updated NCCT-TSC test questions every time with a complete refund guarantee.
While several businesses offer NCCT-TSC Exam Questions, it's crucial to note that finding legitimate and latest 2023 up-to-date NCCT-TSC Test Prep is a significant concern. Free Dumps available on the internet may not be reliable, so it's essential to think twice before relying on them. Instead, trust killexams.com to provide you with the most reliable, updated, and genuine NCCT-TSC test questions that will help you pass the test and achieve success in your career.

NCCT-TSC test Format | NCCT-TSC Course Contents | NCCT-TSC Course Outline | NCCT-TSC test Syllabus | NCCT-TSC test Objectives
Test Detail:
The NCCT-TSC (National Certified Medical Assistant Technician in Surgery) test is designed to assess the knowledge and skills of individuals aspiring to become certified surgical technicians. This test evaluates their understanding of surgical procedures, sterile techniques, patient care, and surgical equipment. The following description provides an overview of the NCCT-TSC exam.
Number of Questions and Time:
The NCCT-TSC test typically consists of approximately 160 multiple-choice questions. The exact number of questions may vary. Candidates are given 3 hours (180 minutes) to complete the exam. The passing score is typically set by the NCCT and may vary depending on the test version and updates.
Course Outline:
To prepare for the NCCT-TSC exam, candidates can enroll in training programs that cover the key subjects and competencies required for surgical technology. These courses provide a comprehensive understanding of surgical procedures, sterile techniques, patient care, and surgical equipment. The course outline may include the following topics:
1. Surgical Procedures:
- Preoperative, intraoperative, and postoperative procedures
- Surgical instruments and equipment
- Surgical site preparation and draping
- Wound closure techniques
- Handling specimens
2. Sterile Techniques:
- Principles of asepsis and sterile field maintenance
- Sterilization methods and techniques
- Surgical hand scrubbing and gowning
- Surgical site infection prevention
- Safe handling and disposal of surgical instruments and supplies
3. Patient Care:
- Patient positioning and transportation
- Patient monitoring during surgery
- Anesthesia administration and monitoring
- Patient safety and comfort
- Intraoperative emergencies and crisis management
4. Surgical Equipment and Technology:
- Operating room setup and organization
- Surgical power tools and equipment
- Surgical imaging technology
- Endoscopic and laparoscopic equipment
- Robotics in surgery
Exam Objectives:
The NCCT-TSC test aims to evaluate the candidate's knowledge and skills in surgical technology. The test objectives include the following:
1. Understanding surgical procedures and their steps.
2. Applying sterile techniques and maintaining a sterile field.
3. Providing patient care and ensuring patient safety during surgery.
4. Handling and using surgical instruments, equipment, and supplies.
5. Operating and troubleshooting surgical technology and equipment.
6. Adhering to professional and ethical standards in surgical technology practice.
Exam Syllabus:
The NCCT-TSC test syllabus covers the key subjects and competencies required to excel in surgical technology. The syllabus includes the following areas of study:
- Surgical procedures and techniques
- Sterile techniques and aseptic practices
- Patient care during surgery
- Surgical instruments and equipment
- Surgical technology and advanced surgical procedures
Killexams Review | Reputation | Testimonials | Feedback
Proper here they are! authentic study, genuine deliver up end result.
killexams.com resolved all my exam-related issues. Previously, lengthy Q&A had proven challenging for me, but with killexams' concise material, preparing for the NCCT-TSC test became an enjoyable experience. I was able to pass with ease, achieving a score of 79%, and the solace that killexams' material provided proved invaluable. The Q&A are fitting for this exam, and I thank killexams.com for their unwavering support.
Very easy way to pass NCCT-TSC test with questions and test Simulator.
I have been using killexams.com for years to study for IT exams, and they always provide reliable materials. The NCCT-TSC test was no exception. I used their questions/answers and test simulator, and they were both authentic and valid. I have only heard good things about their customer service, although I have never needed to contact them myself.
Do not spill huge amount at NCCT-TSC guides, examout these questions.
If you are planning to take the NCCT-TSC exam, I highly recommend killexams.com's training. They provide great coverage of the test concepts, and I learned exactly what I needed for the exam.
Believe it or not, Just try NCCT-TSC dumps once!
After preparing with the killexams.com set for a few days, I passed the NCCT-TSC exam. I am relieved to leave it behind but happy that I found killexams.com to help me get through this exam. The Q&A were correct, and they were taken from the actual NCCT-TSC exam, making things a lot easier for me. Thanks to killexams.com, I got a score that was somewhat higher than I had hoped for.
Dumps of NCCT-TSC test are available now.
I thank killexams.com Brain dumps for helping me pass the NCCT-TSC test with 91% marks. I only had 12 days of training time, but with their question and answer material, I was able to achieve such a high score. Their beneficial guide has been a great help, and I wish all the best to the crew members for all their endeavors.
Medical Technician Free PDF
Best free PDF editors 2023: Their top picksIf you work with PDF files regularly then a PDF editor is an indispensable tool. Whether it’s part of your job, you manage PDF files for your own personal use, or you just need to complete a one-off editing task, a top editor program is an essential piece of software. Full-featured editors such as Adobe’s Acrobat Pro DC might provide all of the bells and whistles, but a free PDF editor can still offer most of the important tools of a paid service for no additional charge. Plus, many free PDF editors are browser based, which means that you don’t need to worry about about platform- or device-compatibility issues. Of course, free products won’t come with every feature of their premium counterparts. So, if you find that you need more advanced tools such as password protection, Bates numbering, or e-signatures, then you’re probably better served by a premium PDF editor. PDF Candy – Best free PDF editor overall Pros Cons Price When Reviewed: Free PDF Candy is the rare free PDF editor that offers a lot of the features you’d typically have to pay for. We’re talking scanning, multiple file-conversion options, and OCR functionality. While the free version has access to the expansive toolset of the paid version, you’re limited to one PDF task per hour. For unfettered access, you need to shell out $6 month. Read their full PDF Candy reviewApple Preview PDF editor – Best free PDF editor for Mac users Pros Cons Price When Reviewed: Built into macOS Mac users have an excellent PDF editor built right into their operating system. Although its ostensibly a photo viewer, macOS’s Preview app is rife with PDF-editing capabilities including tools for adding text and shapes, redacting content, making freehand drawings, inserting sticky notes, and capturing your signature using your trackpad, camera, or iPhone. Read their full Apple Preview PDF editor reviewSejda PDF editor – Most versatile free PDF editor Pros Cons Price When Reviewed: Free (Premium $7.50/mo) Offered as both an online tool and a desktop editor, Sejda is capable of performing dozens of tasks including editing, form creation and filling, Bates stamping, file encryption, and more. If the daily usage limits are too restrictive for you, you can upgrade to the affordable paid version. Read their full Sejda PDF editor review What to look for in a free PDF editorWhile there are a number of different types of PDF file formats, they all fall under the umbrella term of PDF documents. A PDF form is a type of PDF document that has editable form fields a user can fill out. Typically, parts of the document are static and can’t be changed in a PDF form. These usually include questions and instructions for those who end up filling out the form later on. In a PDF form, the content fields a user fills out are typically open to editing and can offer a list of possible answer options or can be written in freely. 2. Are Word files and PDF documents different?Yes. They are two entirely different document formats. While you can export from one file format to another, they are not the same. Word file formats are usually used for word processing, editing, and making changes to text. PDF documents on the other hand, are most often utilized for viewing, sharing, and printing documents. Additionally, Word files can be read and/or written to and contain some version of the “.doc” file format. Whereas PDF files are typically read-only and contain the “.pdf” file format. 3. Can you stop other people from editing your PDF documents?Yes. If you have a PDF document that you do not want anyone else to be able to edit, you can protect the file. You can do this by opening the file in Acrobat, clicking Tools > Protect. Then you have a few options as to whether you want to just restrict editing with a password, or if you want to encrypt the file for further safety. Once you choose how you want to protect the PDF document, you can set a password and save. 4. Can I merge PDFs with a free PDF editor?Yes, many free PDF editors such as their top pick PDF Candy, allow you to merge two or more PDFs into one. As most free PDF editors are browser-based, you will just need to open up the PDF editor application or website in your browser and click the “Merge” option. It will then ask you to add the files of all PDFs you wish to merge. Once the files have been added, just make sure that they are in the correct position and alignment you want before proceeding with the merge. Afterwards, all of your previously PDF files will be merged together into one new PDF document. 5. Does Google have a free PDF editor?Yes and no. Google doesn’t provide a designated free PDF editor itself, but there are third-party Chrome extensions that you can use to help get the job done. Alternatively, you can make use of Google Drive to edit a PDF document. Simply upload the document onto your Google Drive and then select the file and right-click and select Open with > Google Docs. The file will be opened as an editable Google Docs text document. Then just make your edits and when you’re finished click File > download > PDF Document to revert it back to a PDF file. This method is a quick and easy way to edit a simple PDF document, but be careful as Google Docs can run into formatting issues if your original document has complex visual formatting such as tables and graphs. In this case, it’s best to use a designated free or premium PDF editor. Ophthalmic Medical Technician SalaryNo result found, try new keyword!How Much Does an Ophthalmic Medical Technician Make? Ophthalmic Medical Technicians made a median salary of $37,180 in 2021. The best-paid 25% made $46,700 that year, while the lowest-paid 25% ...Retired Air Force sergeant served 20 years as a medical technicianWICHITA, Kan. (KSNW) – Working in aerospace medicine and as a nationally registered EMT, Sergeant Derrick Judkins traveled the world, assisted surgeons, and treated their nation’s wounded. He was deployed to Operation Desert Storm, Operation Desert Shield, to multiple campaigns in between. After scoring high on the Air Force Armed Services Vocational Aptitude Battery (ASVAB) test, young Derrick Judkins saw being a medical technician as his ticket out of Detroit. “I was ready to get out of Detroit at the time, so I says, ‘You know what, I’m going to go the non-traditional.’ College… Military… So, I went military. And it was the best decision I ever made, to be honest with you,” said Judkins. Courtesy: Derrick Judkins His 20-year military career began with basic training at Lackland Air Force Base. He was stationed in Omaha when his unit was deployed to the Gulf War. “I call him ‘Big George,'” Judkins said of President George H. W. Bush. “Yeah, that was the first one. Desert Storm, and that’s when they sent us over in the sandbox. That was when I guess you’d be saying things get real.” Judkins said a contingency hospital was set up behind the front lines. “Where they were stationed at, they weren’t directly in the line of fire, but they were in a position where they were taking care of the individuals that may have been injured or what have you,” said Judkins. During a six-year stint at Wright Patterson Air Force Base in Ohio, Judkins treated wounded soldiers in a hyperbaric chamber. Courtesy: Derrick Judkins “They put us in a chamber because the increased amount of oxygen is healing,” explained Judkins. “Like every other week or so, they were getting in with patients that needed wound care or wound therapy.” Judkins picked up a few unique skills while working as a medical technician. “I was asked, ‘How many jobs have you had?’ Even just in the military… aerospace medicine, public health, Honor Guard. I’ve caught mosquitoes when the West Nile virus was going. That was part of public health. Man, I can identify a female mosquito and a male mosquito. All of that stuff made a difference in that little piece of the job. It was integral to the mission at hand,” said Judkins. His last assignment was a stop at McConnell Air Force Base in Wichita in 2007, where he worked in public health. So, what was the most rewarding part of Judkins’ military career? “The Honor Guard. Honor Guard was the most rewarding to me because that was a memory that you were leaving with the family. Maybe the last time seeing their loved one in a military state like that. Whether it be an active-duty funeral or retirement. That satisfaction or the gratification that you get from folding that flag and getting down on one knee and starting off ‘On behalf of the United States of America.’ That was big to me because it was something that you had to look at that person or that next of kin in their eye, and you saw that, and they were so appreciative of that. So, that was huge to me,” said Judkins. Judkins retired from McConnell AFB at age 38, and he settled in Wichita. Now, he works as a clinical liaison for a long-term care company. If you want to nominate a veteran for their Veteran Salute, email KSN reporter Jason Lamb at jason.lamb@ksn.com. |
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?
Absolutely yes, Killexams is practically legit and even fully reliable. There are several attributes that makes killexams.com legitimate and authentic. It provides current and practically valid ACTUAL EXAM QUESTIONS formulated with real exams questions and answers. Price is minimal as compared to almost all the services online. The Q&A are updated on typical basis along with most exact brain dumps. Killexams account structure and item delivery is really fast. Computer file downloading is normally unlimited and very fast. Assistance is avaiable via Livechat and Email address. These are the features that makes killexams.com a robust website that offer ACTUAL EXAM QUESTIONS with real exams questions.
Is killexams.com test material dependable?
There are several Q&A provider in the market claiming that they provide actual test Questions, Braindumps, Practice Tests, Study Guides, cheat sheet and many other names, but most of them are re-sellers that do not update their contents frequently. Killexams.com is best website of Year 2023 that understands the issue candidates face when they spend their time studying obsolete contents taken from free pdf download sites or reseller sites. Thats why killexams.com update test Q&A 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 question bank 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 subjects of new syllabus, They recommend to download PDF test Questions from killexams.com and get ready for actual exam. When you feel that you should register for Premium Version, Just choose visit killexams.com and register, you will receive your Username/Password in your Email within 5 to 10 minutes. All the future updates and changes in Q&A will be provided in your download Account. You can download 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 actual Test. Go register for Test in Exam Center and Enjoy your Success.
700-150 practice test | ACA-Cloud1 certification demo | LSAT-reading-comprehension VCE test | 200-201 free test papers | DCAD test test | 920-556 PDF Dumps | MS-500 questions answers | NSCA-CPT test questions | 350-501 actual Questions | ESPA-EST demo test | ANP-BC test Braindumps | RTRP practice test | ASVAB-General-Science Free test PDF | QQ0-401 VCE | NCP-MCI-5.15 free online test | P11-101 question test | CCM dumps | VACC braindump questions | GRE braindumps | PMBOK-5th dump |
NCCT-TSC - NCCT Technician in Surgery PDF Download
NCCT-TSC - NCCT Technician in Surgery boot camp
NCCT-TSC - NCCT Technician in Surgery certification
NCCT-TSC - NCCT Technician in Surgery guide
NCCT-TSC - NCCT Technician in Surgery tricks
NCCT-TSC - NCCT Technician in Surgery braindumps
NCCT-TSC - NCCT Technician in Surgery actual Questions
NCCT-TSC - NCCT Technician in Surgery test Cram
NCCT-TSC - NCCT Technician in Surgery Cheatsheet
NCCT-TSC - NCCT Technician in Surgery Free PDF
NCCT-TSC - NCCT Technician in Surgery test syllabus
NCCT-TSC - NCCT Technician in Surgery ACTUAL EXAM QUESTIONS
NCCT-TSC - NCCT Technician in Surgery information search
NCCT-TSC - NCCT Technician in Surgery test Questions
NCCT-TSC - NCCT Technician in Surgery test Cram
NCCT-TSC - NCCT Technician in Surgery ACTUAL EXAM QUESTIONS
NCCT-TSC - NCCT Technician in Surgery Latest Questions
NCCT-TSC - NCCT Technician in Surgery guide
NCCT-TSC - NCCT Technician in Surgery guide
NCCT-TSC - NCCT Technician in Surgery exam
NCCT-TSC - NCCT Technician in Surgery answers
NCCT-TSC - NCCT Technician in Surgery PDF Questions
NCCT-TSC - NCCT Technician in Surgery braindumps
NCCT-TSC - NCCT Technician in Surgery test contents
NCCT-TSC - NCCT Technician in Surgery education
NCCT-TSC - NCCT Technician in Surgery syllabus
NCCT-TSC - NCCT Technician in Surgery Free test PDF
NCCT-TSC - NCCT Technician in Surgery braindumps
NCCT-TSC - NCCT Technician in Surgery Latest Topics
NCCT-TSC - NCCT Technician in Surgery questions
NCCT-TSC - NCCT Technician in Surgery test Braindumps
NCCT-TSC - NCCT Technician in Surgery Latest Topics
NCCT-TSC - NCCT Technician in Surgery test
NCCT-TSC - NCCT Technician in Surgery guide
NCCT-TSC - NCCT Technician in Surgery boot camp
NCCT-TSC - NCCT Technician in Surgery Latest Topics
NCCT-TSC - NCCT Technician in Surgery guide
NCCT-TSC - NCCT Technician in Surgery learn
NCCT-TSC - NCCT Technician in Surgery braindumps
NCCT-TSC - NCCT Technician in Surgery Free PDF
NCCT-TSC - NCCT Technician in Surgery guide
NCCT-TSC - NCCT Technician in Surgery test
NCCT-TSC - NCCT Technician in Surgery PDF Download
NCCT-TSC - NCCT Technician in Surgery braindumps
Other Medical ACTUAL EXAM QUESTIONS
APMLE practice test | CNS questions and answers | FNS questions download | CFRN Cheatsheet | AACN-CMC demo test questions | WHNP Test Prep | NREMT-NRP ACTUAL EXAM QUESTIONS | CRNE test Questions | NBRC online exam | ABEM-EMC practice questions | PANCE test questions | OCS test preparation | AAMA-CMA bootcamp | PCCN cbt | ANCC-CVNC free pdf | CGFNS past exams | DANB cheat sheets | AHIMA-CCS Real test Questions | EPPP actual Questions | VTNE brain dumps |
Best ACTUAL EXAM QUESTIONS You Ever Experienced
LRP-614 free pdf | LEED-GA questions download | LSAT-Logical-Reasoning Practice Questions | Google-ACE cram | ASM dump | 412-79v10 examcollection | FN0-240 PDF Braindumps | 920-240 Practice test | CPHQ brain dumps | 3314 test questions | PC-BA-FBA-20 test exam | Google-IQ braindumps | CIMAPRA17-BA3-1-ENG study guide | TM12 study questions | MORF past bar exams | DEA-1TT5 practice exam | GCP-GC-ADM practice exam | APMLE free pdf | 3312 ACTUAL EXAM QUESTIONS | Dietitian Practice Test |
References :
http://killexams-braindumps.blogspot.com/2020/06/pass-ncct-tsc-exam-at-first-attempt.html
https://killexams-posting.dropmark.com/817438/23650375
https://killexams-posting.dropmark.com/817438/23725619
https://www.instapaper.com/read/1323671880
http://feeds.feedburner.com/NeverMissTheseHp2-b113QuestionsBeforeYouGoForTest
https://sites.google.com/view/killexams-ncct-tsc-exam-braind
https://killexam-ncct-tsc.jimdofree.com/
https://files.fm/f/qnxpvmdyy
Similar Websites :
Pass4sure Certification ACTUAL EXAM QUESTIONS
Pass4Sure test Questions and Dumps
NCCT-TSC 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 NCCT-TSC 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