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 NLN-PAX?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der NLN-PAX: Nursing School Entrance Test Prüfung.

2025 Updated Actual NLN-PAX questions as experienced in Test Center

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

Nursing NLN-PAX : Nursing School Entrance Test Practice Tests

Practice Tests Organized by Lee



Latest 2025 Updated Nursing Nursing School Entrance Test Syllabus
NLN-PAX dumps questions with Premium PDF and Test Engine

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




NLN-PAX dumps questions : Download 100% Free NLN-PAX practice questions (PDF and VCE)

Exam Number : NLN-PAX
Exam Name : Nursing School Entrance Test
Vendor Name : Nursing
Update : Click Here to Check Latest Update
Question Bank : Check Questions

If you review these NLN-PAX Real test Questions, you will get 100% marks.
At killexams.com, you can access an extensive database of NLN-PAX test questions, which includes the exact same questions that you will encounter in the actual NLN-PAX test. Their questions bank is highly relevant to the NLN-PAX test and has been created by test takers who have successfully passed the test with high scores.

Our PDF Download has helped a vast number of applicants to breeze through the NLN-PAX test and secure good positions in their respective organizations. However, their success is not just because of their NLN-PAX Study Guide, but also because they have improved their knowledge and expertise in working as professionals in a real-world environment. At killexams.com, they focus not only on helping candidates pass the NLN-PAX test using their questions and answers, but also on enhancing their understanding of NLN-PAX syllabus and objectives, which is the key to their success.

We offer actual NLN-PAX test mock test Test Prep in two formats - NLN-PAX PDF file and NLN-PAX VCE test engine. Their NLN-PAX PDF Download in PDF format can be read on any device, and you can also print it to create your own book. Their pass rate is as high as 98.9%, and the similarity rate between their NLN-PAX study guide and the actual test is 98%. If you want to pass the Nursing NLN-PAX test in just one attempt, visit killexams.com for the genuine test questions.







NLN-PAX test Format | NLN-PAX Course Contents | NLN-PAX Course Outline | NLN-PAX test Syllabus | NLN-PAX test Objectives


Test Detail:
The NLN-PAX (National League for Nursing Pre-Admission Exam) is a standardized test administered by the National League for Nursing (NLN). It is designed to assess the knowledge and skills of individuals applying to nursing programs. Below is a detailed description of the test, including the number of questions and time allocation, course outline, test objectives, and test syllabus.

Number of Questions and Time:
The NLN-PAX test consists of three main sections: Verbal Ability (60 questions), Mathematics (40 questions), and Science (60 questions). The total number of questions is 160. Candidates are given a specific time limit of 4 hours to complete the exam.

Course Outline:
The NLN-PAX test covers the following key areas:

1. Verbal Ability:
- Vocabulary: Word meaning, synonyms, antonyms, and context.
- reading Comprehension: Understanding passages and answering questions based on the content.
- Verbal Reasoning: Analyzing and evaluating written information.

2. Mathematics:
- Basic arithmetic: Operations with whole numbers, fractions, decimals, and percentages.
- Algebra: Equations, inequalities, exponents, and logarithms.
- Geometry: Basic concepts, measurements, and calculations.
- Statistics and Probability: Data interpretation and basic statistical concepts.

3. Science:
- Biology: Basic concepts, cellular structure, genetics, and human body systems.
- Chemistry: Atomic structure, chemical equations, elements, compounds, and basic reactions.
- Physics: Motion, forces, energy, light, sound, and basic principles of electricity.

Exam Objectives:
The NLN-PAX test aims to evaluate the candidate's readiness for nursing education programs by assessing their knowledge and skills in the following areas:

1. Verbal Ability: Assessing the candidate's verbal reasoning, vocabulary, and reading comprehension skills necessary for academic success in nursing programs.

2. Mathematics: Evaluating the candidate's mathematical skills, including basic arithmetic, algebraic problem-solving, geometry, and statistical analysis relevant to nursing education.

3. Science: Testing the candidate's understanding of fundamental scientific concepts in biology, chemistry, and physics that are applicable to nursing practice and coursework.

Exam Syllabus:
The NLN-PAX test syllabus covers a wide range of syllabus within the areas of verbal ability, mathematics, and science. The syllabus includes, but is not limited to, the following topics:

- Vocabulary and word meanings
- reading comprehension
- Basic arithmetic operations
- Algebraic equations and inequalities
- Geometry concepts and calculations
- Basic biology, including human anatomy and physiology
- Basic chemistry, including atomic structure and chemical reactions
- Basic physics, including motion, forces, energy, and light

Candidates are advised to refer to official NLN resources or consult with nursing education programs to obtain accurate and up-to-date information on the exam, including registration, preparation, and study materials.



Killexams Review | Reputation | Testimonials | Feedback


Do you need actual questions for the NLN-PAX test to pass?
When I started my NLN-PAX exam, I felt confident and well-prepared because I had relied on killexams.com's Practice Tests. The questions were so accurate that I felt like I was reading from their practice test. It only took me 65 minutes to complete the exam, and I was thrilled to see my score of 97%. I am so glad that I chose killexams.com as my test accomplice and would highly recommend them to others.


An excellent source of updated practice questions with correct answers.
Thanks to killexams.com, I had access to valid test mock test that helped me pass the NLN-PAX test with ease. Despite not having spent much time studying, I found the questions to be accurate and relevant. Even if one has only basic knowledge of the NLN-PAX test and its services, they can still pass using this package. Although the vast amount of data initially confused me, I eventually began to understand and had an enjoyable experience with killexams.com.


I found everything I need to pass the NLN-PAX test here.
After trying several books for test NLN-PAX, I was disappointed with the materials. I needed a well-organized guideline with easy-to-understand content. Killexams.com's mock test exceeded my expectations and helped me score 89% on the real exam. Thank you, Killexams.com, for your excellent guidance!


I feel very confident with the latest resource of actual NLN-PAX test questions.
The NLN-PAX test is not easy, but thanks to killexams.com, I got the top marks. The NLN-PAX practice test includes actual test questions, modern updates, and more. This helped me focus on what I needed to learn without wasting time on unnecessary matters. I used their NLN-PAX test simulator, and it made me feel very assured on the test day. I also located my marks on my resume and Linkedin profile, which is a remarkable reputation booster.


Latest practice questions for the NLN-PAX test are available now.
I found the killexams.com dump easy to understand, and it prepared me adequately for the NLN-PAX exam. No other testprep provided me with the same level of quality. Thanks to the powerful and straightforward material from killexams.com, I was able to pass the difficult test without any issues. I answered 76 questions with ease during the actual exam, and I am grateful for this revolutionary product.


Nursing Entrance test questions

NLN-PAX Exam

User: Kostya*****

I highly recommend the package from killexams.com to anyone planning to take the nln-pax exam. This certification is difficult, and passing it takes a lot of work. killexams.com does most of the work for you, as the test materials I got from this website had most of the questions that appeared on the actual exam. Without these practice tests, I probably would have failed, and Thats why so many people fail the nln-pax test on their first attempt.
User: Nur*****

Renewing my membership with Killexams.com for the NLN-PAX test was a no-brainer for me. Their assistance is so important that it is impossible to surrender by not having a membership. I can trust Killexams.com exams for my test preparation, and I am confident that only this site can help me attain my NLN-PAX accreditation and get above 95% marks in the exam.
User: Yvan*****

Thanks to the killexams.com questions and answers, I was able to know exactly what was expected in the NURSING SCHOOL ENTRANCE TEST exam. I prepared well within 10 days of studying and completed all the questions in 80 minutes. Their material covers the test syllabus and makes you memorize all the subjects easily and effectively. It also helped me learn how to manage the time to complete the test before the time ran out.
User: Tania*****

I have never used such incredible practice questions for my learning before. Killexams.com assisted me well in my nln-pax exam, and I was able to pass it easily. I used only Killexams.com for my learning and never felt the need to use any other material. Even though I was a below-average candidate, I passed the test with a score of 98%. I will continue to use Killexams.com for my future exams as well.
User: Todor*****

With less than two weeks to prepare for my NLN-PAX exam, I felt overwhelmed and unprepared due to insufficient training. However, thanks to the mock test provided by Killexams.com, I was able to overcome these obstacles and pass the test with ease. The guide was detailed and precise, with clear and concise answers that made understanding the syllabus much easier. Additionally, the NLN-PAX dependable Cert guide was also helpful in my preparation.

NLN-PAX Exam

Question: What are the benefits of updated and valid NLN-PAX dumps?
Answer: The benefit of NLN-PAX questions is to get to the point knowledge of test questions rather than going through huge NLN-PAX course books and contents. These questions contain actual NLN-PAX questions and answers. By reading and understanding the complete dumps questions greatly improves your knowledge about the core syllabus of the NLN-PAX exam. It also covers the latest syllabus. These test questions are taken from NLN-PAX actual test source, that's why these test questions are sufficient to read and pass the exam. Although you can use other sources also for improvement of knowledge like textbooks and other aid material these questions are sufficient to pass the exam.
Question: Are killexams payment system secure?
Answer: Killexams do not process payments by themselves. It uses 3rd party 3D secured payment processor to handle the payment. All the information is kept secured by the payment bank and is not accessible to anyone including killexams. You can blindly trust killexams payment company for your purchase.
Question: Do you recommend me totry these NLN-PAX actual questions and study guide?
Answer: Yes, of course. They recommend you go through these NLN-PAX test questions before you take the actual test. These Q&As will help you greatly in passing your test with good marks.
Question: Where can I obtain NLN-PAX real test questions?
Answer: You can find NLN-PAX real test questions at killexams.com. Visit https://killexams.com/pass4sure/exam-detail/NLN-PAX for the latest actual questions. Killexams provide the latest NLN-PAX practice test in two file formats. PDF and VCE. PDF can be opened with any PDF reader that is compatible with your phone, iPad, or laptop. You can read PDF mock test via mobile, iPad, laptop, or other devices. You can also print PDF mock test to make your book read. VCE test simulator is software that killexams provide to practice exams and take a test of all the questions. It is similar to your experience in the actual test. You can get PDF or both PDF and test Simulator. These NLN-PAX test test prep will help you get Full Marks in the exam.
Question: Does killexams VCE test simulator works offline?
Answer: Yes, Killexams test Simulator works offline. Killexams test simulator also works offline. Just obtain and install on your laptop and you can go anywhere to keep your study going and preparing your test at a tourist or healthier place. Whenever you need to re-download the test files, you can connect your computer to the internet and obtain and go offline anytime you like. You do not need the internet all the time to study for your exam. Killexams.com provides an offline method by downloading your NLN-PAX test questions in PDF format on your mobile phone, iPad or laptop and carry them anywhere you like. You do not need to be online all the time to keep your study going.
Nursing+Entrance+test+questions
https://www.pass4surez.com/art/read.php?keyword=Nursing+Entrance+test+questions&lang=us&links=remove



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

Which is the best practice questions website?
Indeed, Killexams is completely legit together with fully efficient. There are several functions that makes killexams.com real and legitimate. It provides up to date and completely valid test questions formulated with real exams questions and answers. Price is very low as compared to most of the services on internet. The mock test are modified on common basis utilizing most accurate questions. Killexams account structure and device delivery is amazingly fast. Data file downloading is normally unlimited and very fast. Service is avaiable via Livechat and E-mail. These are the characteristics that makes killexams.com a robust website which provide test prep with real exams questions.



Is killexams.com test material dependable?
There are several mock test 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 2025 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. test 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 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 mock test will be provided in your obtain Account. You can obtain Premium practice test files as many times as you want, There is no limit.

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




4A0-255 mock test | NBCSN-NCSN test questions | NCEES-PE-Electrical-and-Computer study material | D-PSC-DS-23 mock test | 920-220 Free test PDF | SCP-500 practice questions | SOCRA-CCRP boot camp | 199-01 practice questions | ACA-Developer practice test | 1V0-21.20 test practice | EUCOC sample questions | 2B0-011 test papers | ACA-CHSA free pdf obtain | AAPC-CPC practice test | Qlik-Sense-System-Administrator test questions | CWAP-403 free questions | CCI-CSSM test test | PEGAPCSSA86V1 online test | JN0-636 test Questions | LE0-641 practice questions |


NLN-PAX - Nursing School Entrance Test questions
NLN-PAX - Nursing School Entrance Test premium pdf
NLN-PAX - Nursing School Entrance Test test questions
NLN-PAX - Nursing School Entrance Test outline
NLN-PAX - Nursing School Entrance Test Latest Topics
NLN-PAX - Nursing School Entrance Test book
NLN-PAX - Nursing School Entrance Test test prep
NLN-PAX - Nursing School Entrance Test testprep
NLN-PAX - Nursing School Entrance Test Test Prep
NLN-PAX - Nursing School Entrance Test boot camp
NLN-PAX - Nursing School Entrance Test premium pdf
NLN-PAX - Nursing School Entrance Test tricks
NLN-PAX - Nursing School Entrance Test PDF download
NLN-PAX - Nursing School Entrance Test test Questions
NLN-PAX - Nursing School Entrance Test teaching
NLN-PAX - Nursing School Entrance Test exam
NLN-PAX - Nursing School Entrance Test actual Questions
NLN-PAX - Nursing School Entrance Test Real test Questions
NLN-PAX - Nursing School Entrance Test test questions
NLN-PAX - Nursing School Entrance Test real questions
NLN-PAX - Nursing School Entrance Test information search
NLN-PAX - Nursing School Entrance Test Practice Test
NLN-PAX - Nursing School Entrance Test actual Questions
NLN-PAX - Nursing School Entrance Test exam
NLN-PAX - Nursing School Entrance Test test format
NLN-PAX - Nursing School Entrance Test test
NLN-PAX - Nursing School Entrance Test PDF download
NLN-PAX - Nursing School Entrance Test course outline
NLN-PAX - Nursing School Entrance Test outline
NLN-PAX - Nursing School Entrance Test test
NLN-PAX - Nursing School Entrance Test Test Prep
NLN-PAX - Nursing School Entrance Test learning
NLN-PAX - Nursing School Entrance Test study help
NLN-PAX - Nursing School Entrance Test test format
NLN-PAX - Nursing School Entrance Test study tips
NLN-PAX - Nursing School Entrance Test test
NLN-PAX - Nursing School Entrance Test practice tests
NLN-PAX - Nursing School Entrance Test Question Bank
NLN-PAX - Nursing School Entrance Test education
NLN-PAX - Nursing School Entrance Test Free PDF
NLN-PAX - Nursing School Entrance Test certification
NLN-PAX - Nursing School Entrance Test information source
NLN-PAX - Nursing School Entrance Test test cram
NLN-PAX - Nursing School Entrance Test Practice Test

Other Nursing Practice Tests


PSNCB-CANS test questions | ACNPC-AG Study help | CHPLN bootcamp | NNAAP-ALNA question test | ONCC-CBCN test Cram | PMGT-BC pass exam | NNCC-CCHT-A pdf exam | AGN-BC sample questions | CMCN Question Bank | BONENT-CPDN practice questions | NNCC-CDN Free test PDF | AMWA-MWC test questions | NBCSN-NCSN questions download | NHA-AIT test sample | ACA-CHSA test prep | ACNS-BC free practice tests | NPDA-BC Study Guide | PHNA-BC free pdf | PMHNP-BC Practice Questions | MSNCB test prep |


Best practice questions You Ever Experienced


ICBB study help | 5V0-11.21 test Questions | HH0-220 free pdf | HPE0-P27 test prep | CSQE sample test | NNCC-CCHT free pdf | NHDP-BC Real test Questions | 46150T bootcamp | 305-300 sample questions | AZ-120 mock exam | SD0-302 examcollection | MB-340 test prep | 3171T free practice tests | APA-CPP-Remote test prep | NSE7_ADA-6.3 questions answers | MHAP study questions | C1000-132 test questions | CFE-FT-FS pass marks | CBUNA-CURN test questions | SOCRA-CCRP free online test |





References :


https://killexams-posting.dropmark.com/817438/23276937
https://www.instapaper.com/read/1317366292
http://killexams-braindumps.blogspot.com/2020/06/preview-nln-pax-test-prep-that-are.html
https://killexams-posting.dropmark.com/817438/23792491
http://feeds.feedburner.com/Pass4sureNln-paxDumpsAndPracticeTestsWithRealQuestions
https://sites.google.com/view/killexams-nln-pax-latesttopics
https://youtu.be/T3uUWSbxbiE
https://files.fm/f/5nc8dzegf



Similar Websites :
Pass4sure Certification test Practice Tests
Pass4Sure Certification Question Bank






Direct Download

NLN-PAX 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.

NLN-PAX Reviews

100% Valid and Up to Date NLN-PAX 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