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 NE-BC?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der NE-BC: ANCC Nurse Executive Certification 2024 Prüfung.

2024 Updated Actual NE-BC questions as experienced in Test Center

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

NE-BC Practice Questions - ANCC Nurse Executive Certification 2024 | https://www.easyfinanz.cc/

ANCC NE-BC : ANCC Nurse Executive Certification 2024 ACTUAL EXAM QUESTIONS

Exam Dumps Organized by Shahid nazir



Latest 2024 Updated ANCC ANCC Nurse Executive Certification 2024 Syllabus
NE-BC 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




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

Exam Number : NE-BC
Exam Name : ANCC Nurse Executive Certification 2024
Vendor Name : ANCC
Update : Click Here to Check Latest Update
Question Bank : Check Questions

Peruse these NE-BC questions and replies before the genuine test
Being prepared for the NE-BC test is very easy if you apply at killexams.com and download NE-BC Practice Questions files to your smartphone, iPad, or laptop. Install the NE-BC VCE test simulator on your computer, take at least a 24-hour break, and use that time to study NE-BC Practice Questions. Practice with the VCE test simulator and provide it a try in the real NE-BC exam. You'll be pleased to see that all real NE-BC questions come from these braindumps.

If you're looking for the latest and most up-to-date dumps to pass the ANCC NE-BC test for a high-paying job, simply register on killexams.com with special discount codes to download the 2024 updated real NE-BC questions. Various experts are working to provide actual questions on killexams.com. You'll get ANCC Nurse Executive Certification 2024 questions to take the NE-BC exam. You'll be able to download up-to-date NE-BC questions every time with a full refund guarantee. Although there are many companies NE-BC Latest Topics, valid and latest 2024 up-to-date NE-BC PDF Download can be a huge concern. Think twice before you rely on free dumps provided online.

Passing the ANCC NE-BC test requires you to clear your concepts about the program outline, ANCC Nurse Executive Certification 2024 syllabus, and objectives of the exam. Just studying the NE-BC program book is not sufficient. You have to understand the tricky questions asked in the real NE-BC exam. For this, you need to go to killexams.com and download free trial questions for NE-BC Exam dumps and study. If you feel that you can memorize those NE-BC questions, you can register to download PDF Download of NE-BC PDF Braindumps. That will be your best action for success. download and install the VCE simulator on your computer. Study and memorize NE-BC PDF Braindumps and take practice questions frequently with the VCE simulator. When you feel that you're ready for the real NE-BC exam, go to the Test Center and register for the real test.

Several changes and upgrades have been made to NE-BC in 2024, and we've included all updates in their Questions and Answers. 2024 up-to-date NE-BC braindumps ensure your success in real exams. They advise you to go through the full question bank at least once before you take the real test. This is not just because they use their NE-BC PDF Braindumps, but they actually feel improvement in their understanding. They can work in the real environment within the organization as experts. They don't just pass NE-BC with their braindumps, but actually Boost knowledge about NE-BC and objectives. This is how to become successful.







NE-BC test Format | NE-BC Course Contents | NE-BC Course Outline | NE-BC test Syllabus | NE-BC test Objectives


Exam : NE-BC

Exam Name : ANCC Nurse Executive Certification

Number of Questions : 175

Scored Questions : 150

Unscored Questions : 25



Category Domains of Practice No. of Questions Percent

I Structures and Processes 27 18%

II Professional Practice 55 37%

III Leadership 33 22%

IV Knowledge Management 35 23%

Total 150 100%



There are 175 questions on this examination. Of these, 150 are scored questions and 25 are pretest questions that are not scored. Pretest questions are used to determine how well these questions will perform before they are used on the scored portion of the examination. The pretest questions cannot be distinguished from those that will be scored, so it is important for a candidate to answer all questions. A candidate's score, however, is based solely on the 150 scored questions. Performance on pretest questions does not affect a candidate's score.



I. Structures and Processes (18%)

A. Human Capital Management

Knowledge of:

1. Federal and state laws (e.g., Family and Medical Leave Act [FMLA], American with Disabilities Act [ADA], Fair Labor Standards Act [FLSA], wage and hour laws, equal employment opportunities, Occupational Safety and Health Administration [OSHA],

workers compensation)

2. Labor relations (e.g., collective bargaining, contract negotiations, grievances and arbitrations, National Labor Relations Board [NLRB])

3. Resource utilization (e.g., cross training, job descriptions )

4. Principles associated with human resources (e.g., employee assistance and counseling, compensation, benefits, coaching, performance management)

5. Organizational culture (e.g., just culture, transparency)

6. Organizational structure (e.g., chain of command, organizational chart, span of control)

Skills in:

7. Participating in developing and modifying administrative policies and procedures

8. Implementing and enforcing administrative policies and procedures (e.g., monitoring compliance)

9. Providing feedback on effectiveness of administrative policies and procedures

10. Evaluating the effectiveness of roles based on changing needs in the health care environment (e.g., new or expanded job descriptions, professional development)

B. Financial Management

Knowledge of:

1. Basic financial and budgeting principles (e.g., revenue cycle, supply and labor expenses, productivity, depreciation, return on investment [ROI], cost-benefit analysis)

2. Reimbursement methods (e.g., payor systems, pay for performance, payment bundling, value-based purchasing)

3. Contractual agreements (e.g., vendors, materials, staffing)

4. Principles of staffing workload (e.g., full-time equivalents [FTE], hours per patient day, skill mix)

Skills in:

5. Developing a budget (e.g., operational, capital)

6. Analyzing variances and managing a budget (e.g., operational, capital)

7. Efficient resource utilization (e.g., contractual agreements, outsourcing)

8. Determining appropriate staffing workload

C. Health and Public Policy

Knowledge of:

1. Legal issues (e.g., fraud, whistle-blowing, the Health Insurance Portability and Accountability Act [HIPAA], corporate compliance, electronic access and security, harassment, malpractice, negligence)

2. Consumer-driven health care (e.g., public reporting, Community Health Needs Assessment [CHNA], Hospital Consumer Assessment of Healthcare Providers and Systems [HCAHPS], Healthgrades)

3. Emergency planning and response

4. Planning and responding to internal and external disasters

5. Planning and responding to health and public policy issues

6. Assessing, addressing, and preventing legal issues (e.g., violations, fraud, whistleblowing, the Health Insurance Portability and Accountability Act [HIPAA], corporate compliance, electronic access and security, harassment)



II. Professional Practice (37%)

A. Care Management/Delivery

Knowledge of:

1. Health care delivery models and settings (e.g., accountable care organization [ACO], patient-centered medical home [PCMH], nurse-led clinic, telehealth, e-health, inpatient, ambulatory care, home health, rehabilitation, etc.)

2. Laws, regulations, and accrediting bodies (e.g., The Joint Commission, Centers for Medicare and Medicaid Services, Nurse Practice Act)

3. Standards of nursing practice (e.g., clinical practice guidelines, clinical pathways, ANA Scope and Standards of Practice, Nurse Practice Act)

Skills in:

4. Establishing staffing models (e.g., primary care nursing, team nursing, nurse-patient ratios, skill mix, acuity)

5. Designing workflows based on care delivery model and population served (e.g., patient centered medical home [PCMH], interdisciplinary team, case management, disease management, throughput, staffing assignment and scheduling)

6. Developing policies and procedures that ensure regulatory compliance with professional standards and organizational integrity

B. Professional Practice Environment and Models

Knowledge of:

1. Professional practice models

2. Role delineation (e.g., credentialing, privileging, certification)

3. Professional practice standards (e.g., ANA Scope and Standards of Practice, Nurses Bill of Rights, Nurse Practice Act)

4. Employee performance feedback (e.g., coaching, performance appraisal, Just Culture)

Skills in:

5. Developing clinical staff (e.g., orientation, continuing education, competency validation, performance appraisal, peer review, mentoring, planning, lifelong learning)

6. Creating a professional environment for empowered decision making (e.g., shared governance, staff accountability, critical thinking, civility)

7. Recruiting, recognizing, and retaining staff

8. Providing internal and external customer service (including service recovery)

9. Creating a vision for professional nursing practice that promotes patient and family centered care

C. Communication

Knowledge of:

1. Communication principles (e.g., active listening, reflective communication, two-way communication, interviewing)

2. Communication styles (e.g., persuasive, assertive, passive, aggressive, passiveaggressive)

3. Negotiation concepts and strategies (e.g., compromising, collaborating, win-win)

4. Communication processes that support safe patient care (e.g., documentation, handoffs or hand-overs, bedside reporting, incident reporting, reporting sentinel events)

Skills in:

5. Communicating using verbal (e.g., oral and written) and nonverbal methods (e.g., body language, eye contact, active listening)

6. Facilitating collaboration to achieve optimal outcomes (e.g., team building, group dynamics, leveraging diversity)

7. Selecting the appropriate communication method for the audience and situation (e.g., email, role playing, presentation, reports, staff meeting, board meeting, one-on-one conversation, patient/family council, consumer feedback)

8. Conflict management



III. Leadership (22%)

A. Leadership Effectiveness

Knowledge of:

1. Key elements of a healthy work environment

2. Leadership concepts, principles, and styles (e.g., pervasive leadership, servant leadership, situational leadership, appreciative inquiry, culture of transparency, change management theories)

3. Coaching, mentoring, and precepting

4. Emotional intelligence

5. Sources of influence and power

Skills in:

6. Self reflection and personal leadership evaluation

7. Integrating diversity and sensitivity into the work environment

8. Change management

9. Building effective relationships through listening, reflecting, presence, communication, and networking

10. Succession planning

11. Creating an environment to engage and empower employees

B. Strategic Visioning and Planning

Knowledge of:

1. Strategic planning principles (e.g., alignment of nursings strategic plan with the organizational plan, SWOT analysis, components of strategic planning)

2. New program development (e.g., proposals, pro forma, business plans, marketing)

3. Trends that effect nursing practice and the healthcare environment

4. Communicating and building consensus and support for the strategic plan

5. Establishing baselines for processes (i.e., measuring current performance)

6. Evaluating processes and outcome measures over time

7. Project management to support/achieve the strategic plan (e.g., planning, implementing, and monitoring action plans)

C. Ethics and Advocacy

Knowledge of:

1. Ethical principles

2. Business ethics (e.g., corporate compliance, privacy)

3. ANAs Code of Ethics

4. Patients Bill of Rights

Skills in:

5. Advocating for patients (e.g., patient rights, access, and safety)

6. Advocating for staff (e.g., healthy work environment, equipment, staffing)

7. Advocating for the nursing profession (e.g., professional organizations, promoting education, certification, legislative influence)



IV. Knowledge Management (23%)

A. Quality Monitoring and Improvement

Knowledge of:

1. Systems theory

2. Continuous performance improvement (The Plan-Do-Study-Act [PDSA] Cycle, Lean, root cause analysis, tracer methodology)

3. Process and outcome measures (e.g., clinical, financial, safety, patient satisfaction, employee satisfaction)

4. Culture of safety (e.g., risk management, employee engagement, employee safety technologies [patient lifts], patient safety technologies [bar coding])

Skills in:

5. Creating a culture of continuous performance improvement

6. Translating data into information (including use of internal and external benchmarks), and disseminating it at various levels within the organization

7. Evaluating and prioritizing outcomes of care delivery (e.g., nurse sensitive indicators, ORYX indicators, National Patient Safety Goals, core measures)

8. Selecting the appropriate continuous performance improvement technique

9. Action planning to address identified quality issues

B. Evidence-based Practice and Research

Knowledge of:

1. Institutional Review Board (IRB) requirements (e.g., protection of human research subjects)

2. Research and evidence-based practice techniques (e.g., literature review, developing research questions, study methods and design, data management, levels of evidence)

3. Distinguish between performance improvement, evidence-based practice, and research

4. Creating a culture and advocating for resources that support research and scholarly inquiry (e.g., journal club, grant writing, research councils, research participation)

5. Communicating research and evidence-based findings to internal and external stakeholders

6. Incorporating evidence into policies, standards, procedures and guidelines

7. Evaluating and incorporating new knowledge and published research findings into practice

C. Innovation

Knowledge of:

1. Clinical practice innovation

2. Leadership practice innovation

Skills in:

3. Creating a culture that values, encourages, and recognizes new and innovative ideas that benefit the patient, family, organization, or community

4. Developing a framework for implementing innovations (e.g., small tests of change, pilot studies)

5. Leveraging diversity to encourage new and innovative ideas or new patterns of thinking

6. Evaluating and applying technology to support innovation



Killexams Review | Reputation | Testimonials | Feedback


It is really great experience to have NE-BC real test questions.
The candidate highly recommends killexams.com's products for students seeking success. The NE-BC test guide helped the candidate understand all the essential concepts, and the test engine scored a 92% for them. The candidate is grateful to the team of killexams.com for their help.


Afraid of failing NE-BC exam!
Killexams.com is a dream come true! Their brain dump helped me pass the NE-BC exam, and now I can apply for better jobs and choose a higher employer. This is something I couldn't even dream of a few years ago. Although the test and certification are mainly focused on NE-BC, I found that other employers are also interested in candidates who passed the NE-BC exam. Killexams.com's NE-BC practice questions bundle helped me answer most questions correctly. All subjects and regions were covered, so I didn't encounter any significant issues while taking the exam. Some NE-BC product questions were tricky and a bit misleading, but Killexams.com helped me get them right.


Where can i am getting assist to put together and pass NE-BC exam?
The brain aid specialists at killexams.com were always available via live chat to help with even the smallest problems. Their advice and clarifications were invaluable, and I passed my NE-BC certification test on my first try using the killexams.com Dumps route. The NE-BC test simulator through killexams.com is also superb. I am grateful to have killexams.com NE-BC material, as it helped me achieve my targets.


It is nice to have NE-BC real test questions.
Preparing for the NE-BC test was a daunting task, with numerous complex courses to cover. However, thanks to the valid questions in the NE-BC dumps provided by killexams.com, I was able to gain the confidence needed to pass the test with an outstanding 84% score. Although some questions were challenging, the accurate answers from killexams.com helped me choose the right ones.


Unbelieveable performance of NE-BC question bank and study guide.
While some people cannot change the world, they can make their mark and become famous. I aspired to do so by passing my NE-BC test and achieving glory. Killexams.com helped me achieve my goal, and passing my A+ test changed my life for the better. I am grateful for their invaluable support and guidance.


ANCC Nurse guide

   




While it is hard job to pick solid certification questions/answers regarding review, reputation and validity since individuals get sham because of picking incorrec service. Killexams.com ensure to serve its customers best to its efforts as for ACTUAL EXAM QUESTIONS update and validity. Most of other's post false reports with objections about us for the brain dumps bout their customers pass their exams cheerfully and effortlessly. They never bargain on their review, reputation and quality because killexams review, killexams reputation and killexams customer certainty is imperative to us. Extraordinarily they deal with false killexams.com review, killexams.com reputation, killexams.com scam reports. killexams.com trust, killexams.com validity, killexams.com report and killexams.com that are posted by genuine customers is helpful to others. If you see any false report posted by their opponents with the name killexams scam report on web, killexams.com score reports, killexams.com reviews, killexams.com protestation or something like this, simply remember there are constantly terrible individuals harming reputation of good administrations because of their advantages. Most clients that pass their exams utilizing killexams.com brain dumps, killexams PDF questions, killexams practice questions, killexams test VCE simulator. Visit their example questions and test brain dumps, their test simulator and you will realize that killexams.com is the best ACTUAL EXAM QUESTIONS site.

Which is the best dumps website?
Certainly, Killexams is hundred percent legit and also fully reliable. There are several includes that makes killexams.com legitimate and reliable. It provides up-to-date and hundred percent valid ACTUAL EXAM QUESTIONS that contain real exams questions and answers. Price is really low as compared to almost all services on internet. The Dumps are up-to-date on normal basis having most exact brain dumps. Killexams account arrangement and supplement delivery is rather fast. Computer file downloading can be unlimited and incredibly fast. Aid is avaiable via Livechat and Email address. These are the features that makes killexams.com a sturdy website that supply ACTUAL EXAM QUESTIONS with real exams questions.



Is killexams.com test material dependable?
There are several Dumps 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 download sites or reseller sites. Thats why killexams.com update test Dumps 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 courses of new syllabus, They recommend to download 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 Dumps 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 practice questions 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.




PSPO-I test prep | I40-420 actual questions | CCSK practice test | Salesforce-B2B-Commerce-Administrator assessment test trial | DANB Dumps | IIA-ACCA actual questions | CAP practice test | CPSM1 test Braindumps | NBCC-NCC past bar exams | PCNSA free pdf | IQ0-100 free prep | 3X0-203 Real test Questions | H35-462 online test | 200-710 test practice | 250-556 braindumps | ACE001 free online test | ACD100 test results | ADM-211 trial test questions | H19-301 certification trial | MD-102 test questions |


NE-BC - ANCC Nurse Executive Certification 2024 information source
NE-BC - ANCC Nurse Executive Certification 2024 Practice Questions
NE-BC - ANCC Nurse Executive Certification 2024 PDF Download
NE-BC - ANCC Nurse Executive Certification 2024 real questions
NE-BC - ANCC Nurse Executive Certification 2024 test prep
NE-BC - ANCC Nurse Executive Certification 2024 PDF Download
NE-BC - ANCC Nurse Executive Certification 2024 boot camp
NE-BC - ANCC Nurse Executive Certification 2024 test Braindumps
NE-BC - ANCC Nurse Executive Certification 2024 Test Prep
NE-BC - ANCC Nurse Executive Certification 2024 test contents
NE-BC - ANCC Nurse Executive Certification 2024 ACTUAL EXAM QUESTIONS
NE-BC - ANCC Nurse Executive Certification 2024 test success
NE-BC - ANCC Nurse Executive Certification 2024 Real test Questions
NE-BC - ANCC Nurse Executive Certification 2024 Free test PDF
NE-BC - ANCC Nurse Executive Certification 2024 PDF Download
NE-BC - ANCC Nurse Executive Certification 2024 Latest Questions
NE-BC - ANCC Nurse Executive Certification 2024 techniques
NE-BC - ANCC Nurse Executive Certification 2024 Free PDF
NE-BC - ANCC Nurse Executive Certification 2024 Latest Topics
NE-BC - ANCC Nurse Executive Certification 2024 information search
NE-BC - ANCC Nurse Executive Certification 2024 Dumps
NE-BC - ANCC Nurse Executive Certification 2024 test Questions
NE-BC - ANCC Nurse Executive Certification 2024 test success
NE-BC - ANCC Nurse Executive Certification 2024 Questions and Answers
NE-BC - ANCC Nurse Executive Certification 2024 test format
NE-BC - ANCC Nurse Executive Certification 2024 test format
NE-BC - ANCC Nurse Executive Certification 2024 test syllabus
NE-BC - ANCC Nurse Executive Certification 2024 study tips
NE-BC - ANCC Nurse Executive Certification 2024 boot camp
NE-BC - ANCC Nurse Executive Certification 2024 guide
NE-BC - ANCC Nurse Executive Certification 2024 PDF Download
NE-BC - ANCC Nurse Executive Certification 2024 test prep
NE-BC - ANCC Nurse Executive Certification 2024 Test Prep
NE-BC - ANCC Nurse Executive Certification 2024 braindumps
NE-BC - ANCC Nurse Executive Certification 2024 exam
NE-BC - ANCC Nurse Executive Certification 2024 PDF Download
NE-BC - ANCC Nurse Executive Certification 2024 exam
NE-BC - ANCC Nurse Executive Certification 2024 certification
NE-BC - ANCC Nurse Executive Certification 2024 certification
NE-BC - ANCC Nurse Executive Certification 2024 test Questions
NE-BC - ANCC Nurse Executive Certification 2024 study tips
NE-BC - ANCC Nurse Executive Certification 2024 Latest Questions
NE-BC - ANCC Nurse Executive Certification 2024 information source
NE-BC - ANCC Nurse Executive Certification 2024 test

Other ANCC ACTUAL EXAM QUESTIONS


ANP-BC study guide | CV-BC PDF Questions | NE-BC braindumps | ANCC-MSN test questions | FNP-BC practice exam |


Best ACTUAL EXAM QUESTIONS You Ever Experienced


TMPF test prep | CCM free test papers | CWM_LEVEL_II PDF Download | ARA02 test questions | Hadoop-PR000007 brain dumps | DP-900 dumps | ANCC-MSN Free test PDF | NCSE-Level-1 braindumps | 500-220 question test | 250-351 questions and answers | EX0-115 test Questions | NCCT-TSC braindumps | SAFe-Agilist test exam | PMI-200 practice exam | CAU201 english test questions | 630-005 prep questions | 1Y0-312 ACTUAL EXAM QUESTIONS | ABFM test Questions | 700-846 real questions | CoreSpringV3.2 questions download |





References :


https://www.instapaper.com/read/1316539463
https://killexams-posting.dropmark.com/817438/23758234
http://killexams-braindumps.blogspot.com/2020/07/0day-updated-free-ne-bc-study-guide.html
http://feeds.feedburner.com/SearchingForNe-bcExamDumpsThatWorksInRealExam
https://www.coursehero.com/file/69265564/ANCC-Nurse-Executive-Certification-NE-BCpdf/
https://youtu.be/MoNH3Xy7Oc4
https://sites.google.com/view/killexams-ne-bc-exam-questions
https://files.fm/f/pr63as3aw



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






Direct Download

NE-BC 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.

NE-BC Reviews

100% Valid and Up to Date NE-BC 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