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 NREMT-PTE?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der NREMT-PTE: NREMT Paramedic Trauma Exam Prüfung.

2025 Updated Actual NREMT-PTE questions as experienced in Test Center

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

Medical NREMT-PTE : NREMT Paramedic Trauma exam Practice Tests

Practice Tests Organized by Shahid nazir



Latest 2025 Updated Medical NREMT Paramedic Trauma exam Syllabus
NREMT-PTE question bank with Premium PDF and Test Engine

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




NREMT-PTE question bank : Download 100% Free NREMT-PTE practice questions (PDF and VCE)

Exam Number : NREMT-PTE
Exam Name : NREMT Paramedic Trauma Exam
Vendor Name : Medical
Update : Click Here to Check Latest Update
Question Bank : Check Questions

Download free NREMT-PTE Pass Guides with Question Bank and Mock Questions
Instead of wasting time and money searching for updated NREMT Paramedic Trauma Exam questions, simply register on killexams.com and obtain the 100% free dumps to purchase the complete NREMT-PTE Free exam PDF version. Read and pass the NREMT-PTE exam.

At killexams.com, they have received many testimonials from satisfied customers who passed the NREMT-PTE exam with their Mock Exam. They have secured excellent positions in their respective companies and have seen improvements in their knowledge after using their NREMT-PTE boot camp. Their approach goes beyond simply providing braindumps for passing the NREMT-PTE exam; they aim to enhance people's understanding of NREMT-PTE goals and Topics to help them succeed in their fields.

We strive to clarify concepts related to all NREMT-PTE courses, syllabus, and goals for the Medical NREMT-PTE exam. Merely studying the NREMT-PTE course guide is not enough. You need to familiarize yourself with challenging scenarios and questions asked in the actual NREMT-PTE exam. Visit killexams.com to obtain free trial NREMT-PTE PDF questions and read through them. They are confident that if you are satisfied with the NREMT Paramedic Trauma Exam questions, you will want to sign up and obtain the complete version of the NREMT-PTE Study Guides at attractive discounts. This will be your first step towards success in the NREMT Paramedic Trauma Exam exam. Install NREMT-PTE VCE test simulator on your computer, memorize NREMT-PTE boot camp, and take practice questions regularly with the VCE exam simulator. When you feel ready for the real NREMT-PTE exam, register for it at a test center.

At killexams.com, they offer the latest, valid, and 2025 up-to-date Medical NREMT Paramedic Trauma Exam dumps that are essential for passing the NREMT-PTE exam. It is crucial to elevate your professional position in your organization. Their goal is to help individuals pass the NREMT-PTE exam on their first try. Their NREMT-PTE boot camp has consistently produced top results over time, thanks to their customers' trust in their boot camp and VCE for their actual NREMT-PTE exam. They are the best source for genuine NREMT-PTE exam questions. They keep their NREMT-PTE boot camp valid and up-to-date all the time. Their NREMT Paramedic Trauma Exam exam dumps will help you pass the exam with flying colors.

If you are interested in passing the Medical NREMT-PTE exam to secure a great job, register at killexams.com. They have a team of professionals who gather NREMT-PTE real exam questions at killexams.com. You will receive NREMT Paramedic Trauma Exam exam questions to ensure your success in the NREMT-PTE exam. You can obtain updated NREMT-PTE exam questions for free every time. There are organizations that offer NREMT-PTE boot camp, but valid and 2025 up-to-date NREMT-PTE Study Guides is crucial. Rethink before relying on free NREMT-PTE boot camp available on the web.







NREMT-PTE exam Format | NREMT-PTE Course Contents | NREMT-PTE Course Outline | NREMT-PTE exam Syllabus | NREMT-PTE exam Objectives


Exam Details:
- Number of Questions: The number of questions in the NREMT Paramedic Trauma exam (NREMT-PTE) can vary, but it typically consists of approximately 80 to 120 multiple-choice questions. The exact number of questions may vary depending on the specific version of the exam.

- Time: Candidates are usually given a specific time limit to complete the NREMT-PTE, which is typically around 2 to 3 hours. It is important to manage time effectively to ensure all questions are answered within the allocated time.

Course Outline:
The NREMT-PTE exam focuses on assessing the knowledge and skills of paramedics in the area of trauma management. While the exact course outline and content may vary, the exam generally covers the following key areas:

1. Trauma Assessment and Management:
- Primary and secondary survey techniques
- Recognition and management of life-threatening injuries
- Identification and management of shock
- Assessment and treatment of head, neck, spine, and chest injuries
- Management of abdominal and pelvic trauma
- Assessment and treatment of musculoskeletal injuries
- Management of burns and thermal injuries

2. Airway Management and Ventilation:
- Airway exam and maintenance techniques
- Use of airway adjuncts (e.g., oral airway, supraglottic airway devices)
- Bag-mask ventilation techniques
- Endotracheal intubation and advanced airway management
- Management of complications related to airway interventions

3. Cardiac and Cardiovascular Emergencies:
- Recognition and management of cardiac arrest
- Cardiovascular exam and monitoring
- Use of defibrillation and advanced cardiac life support techniques
- Management of acute coronary syndromes
- Identification and treatment of dysrhythmias
- Hemodynamic monitoring and management

4. Medical Emergencies:
- Assessment and management of respiratory emergencies
- Neurologic emergencies and stroke management
- Allergic reactions and anaphylaxis management
- Endocrine emergencies (e.g., diabetic emergencies, adrenal crisis)
- Management of toxicological emergencies
- Assessment and treatment of psychiatric emergencies

5. Pediatric and Geriatric Trauma:
- Assessment and management of trauma in pediatric and geriatric populations
- Special considerations for pediatric and geriatric patients
- Age-specific exam techniques and interventions

Exam Objectives:
The objectives of the NREMT-PTE exam typically include:
- Assessing the candidate's knowledge and understanding of trauma exam and management principles.
- Evaluating the candidate's ability to apply critical thinking skills in the context of trauma scenarios.
- Testing the candidate's knowledge of airway management, ventilation, and cardiac emergencies.
- Assessing the candidate's ability to apply appropriate interventions for medical emergencies.
- Evaluating the candidate's understanding of special considerations for pediatric and geriatric trauma patients.

Exam Syllabus:
The specific exam syllabus for the NREMT-PTE may vary, but it generally includes the following topics:

1. Trauma Assessment and Management:
- Primary and secondary survey
- Life-threatening injuries
- Shock management
- Head, neck, spine, and chest injuries
- Abdominal and pelvic trauma
- Musculoskeletal injuries
- Burns and thermal injuries

2. Airway Management and Ventilation:
- Airway exam and maintenance
- Airway adjuncts
- Bag-mask ventilation
- Endotracheal intubation
- Advanced airway management
- Airway intervention complications

3. Cardiac and Cardiovascular Emergencies:
- Cardiac arrest management
- Cardiovascular exam and monitoring


- Defibrillation and advanced cardiac life support
- Acute coronary syndromes
- Dysrhythmia recognition and treatment
- Hemodynamic monitoring

4. Medical Emergencies:
- Respiratory emergencies
- Neurologic emergencies and stroke
- Allergic reactions and anaphylaxis
- Endocrine emergencies
- Toxicological emergencies
- Psychiatric emergencies

5. Pediatric and Geriatric Trauma:
- Pediatric and geriatric trauma exam and management
- Age-specific considerations

It is important to note that the specific content and emphasis of the NREMT-PTE may vary depending on the NREMT's guidelines and updates. Candidates should refer to the official study materials and resources provided by the NREMT for the most accurate and up-to-date information regarding the exam syllabus and content.



Killexams Review | Reputation | Testimonials | Feedback


Where can I find NREMT-PTE practice test questions?
I was pleasantly surprised to achieve a score of 86% in the NREMT-PTE exam, which was beyond my expectations. While I did encounter some difficult themes, I found that the killexams.com practice test provided a solid foundation to understand the complex concepts. The preparation material was helpful and accurate, which helped me to overcome my initial problems.


Reading NREMT-PTE practice questions is a smart move!
I recently purchased the certification package from killexams.com and studied it thoroughly. With the help of the online sorting engine, I passed the NREMT-PTE exam and obtained my certification. I highly recommend this website and the brief question-answers that were easy to recognize. I answered 50/60 questions correctly in the exam, and killexams.com was an outstanding solution for me.


Do you need updated practice questions for the NREMT-PTE exam? Here they are.
This was my first time using killexams.com for my education and I did not know what to expect. To my pleasant surprise, killexams.com provided me with real and valid NREMT-PTE practice test, along with practice questions that were of high quality. The exam simulator and exercise tests were reliable, and the questions were actual exam questions. I was left with a great impression and would not hesitate to recommend killexams.com to my colleagues.


I'm very happy with the NREMT-PTE study guide.
I can not believe I passed the NREMT-PTE exam with such a high score, and I could not have done it without the help of killexams.com. Your support was instrumental in my success. Thank you so much for everything!


Do you want practice questions for the updated NREMT-PTE exam to help you pass?
After spending sufficient time studying the materials, I passed the NREMT-PTE exam. Although the materials were study guides, they were constructed using actual exam content. I do not understand why some people complain about the questions being different. While not all questions were identical, the Topics and overall method were correct. With enough hard work, anyone can excel with killexams.com.


Medical NREMT test

NREMT-PTE Exam

User: Mishka*****

killexams.com provided me with the best guidance I have ever experienced for my nremt-pte certification exams. They consistently updated the nremt-pte questions and answers, ensuring they were relevant and helpful in passing the exam stress-free.
User: Fatema*****

Discovering Killexams.com was a turning point in my academic success. Their precise and comprehensive study materials, as well as the structured approach to follow, helped me prepare fully for my nremt paramedic trauma exam exams and achieve an amazing feat.
User: Kiara*****

As a subject matter expert, I was looking for an exam guide to help me pass the NREMT-PTE exam. Due to time constraints, studying for the exam had become difficult for me. However, killexams.com mock exam practice questions worked like wonders for me, providing a comprehensive solution for additional unique questions. With their assistance, I managed to finish the exam in only 70 minutes, which was virtually stunning. Thanks to killexams.com materials.
User: Pushkin*****

The NREMT-PTE exam covers some problematic topics, but I was able to understand them using the Killexams.com mock exam and exam Simulator, and I answered all the questions with ease. The update and validity of the NREMT-PTE practice questions product are unmatchable. All the questions in the object were present in the actual test as well. Thank you again for your assistance and all the help that you provided me.
User: Valentin*****

I have never come across better exam education than what killexams.com offers for the nremt-pte exam. I passed the exam without any stress, problems, or frustrations, as I knew everything I needed to comprehend from killexams.com nremt-pte Questions set. The questions are valid, and their cashback guarantee works, too. They make it easy to pass, and I will use them for my next certification test.

NREMT-PTE Exam

Question: How long prep is required to pass NREMT-PTE exam?
Answer: If you have more time to study, you can practice more with NREMT-PTE questions and get ready to take the test in 24 to 48 hours. But they recommend taking your time to study and practice NREMT-PTE practice test until you are sure that you can answer all the questions that will be asked in the actual NREMT-PTE exam.
Question: Will you provide up to date NREMT-PTE questions?
Answer: Yes, You can get up-to-date and valid NREMT-PTE questions with actual mock exam at killexams.com. These are the latest and valid questions with real mock exam that contain test prep. When you will memorize these questions, it will help you get Full Marks in the exam. You should visit the link https://killexams.com/pass4sure/exam-detail/NREMT-PTE
Question: Do I need actual questions of NREMT-PTE exam to read?
Answer: Yes, of course, You need actual questions to pass the NREMT-PTE exam. These NREMT-PTE exam questions are taken from actual exam sources, that's why these NREMT-PTE exam 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 NREMT-PTE questions are sufficient to pass the exam.
Question: Will I be able to find actual test Questions & Answers of NREMT-PTE exam?
Answer: Yes, once registered at killexams.com you will be able to obtain up-to-date NREMT-PTE actual test mock exam that will help you pass the exam with good marks. When you obtain and practice the exam questions, you will be confident and feel improvement in your knowledge.
Question: I want to pass NREMT-PTE exam fast, What must I do?
Answer: Yes, you can pass your exam within the shortest possible time. If you are free and you have more time to study, you can prepare for an exam even in 24 hours. But they recommend taking your time to study and practice NREMT-PTE practice test until you are sure that you can answer all the questions that will be asked in the actual NREMT-PTE exam. Visit killexams.com and register to obtain the complete question bank of NREMT-PTE exam test prep. These NREMT-PTE exam questions are taken from actual exam sources, that's why these NREMT-PTE exam 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 NREMT-PTE questions are sufficient to pass the exam.
Medical+NREMT+test
https://www.pass4surez.com/art/read.php?keyword=Medical+NREMT+test&lang=us&links=remove

Whilst it is very hard task to choose reliable exam mock exam 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 exam dumps 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 exam simulator. Visit their test questions and trial brain dumps, their exam simulator and you will definitely know that killexams.com is the best brain dumps site.

Which is the best practice questions website?
Yes, Killexams is 100% legit and even fully trusted. There are several options that makes killexams.com authentic and legitimate. It provides up-to-date and 100% valid exam questions containing real exams questions and answers. Price is minimal as compared to most of the services online. The mock exam are current on regular basis together with most accurate questions. Killexams account method and solution delivery can be quite fast. Data file downloading is certainly unlimited and extremely fast. Assist is avaiable via Livechat and Electronic mail. These are the features that makes killexams.com a strong website offering exam prep with real exams questions.



Is killexams.com test material dependable?
There are several mock exam provider in the market claiming that they provide actual exam 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 exam mock exam with the same frequency as they are updated in Real Test. 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 exam Fast with improvement in your knowledge about latest course contents and Topics of new syllabus, They recommend to obtain PDF exam 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 exam 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 exam by Taking Test Frequently. It asks the Real exam 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 Test Center and Enjoy your Success.




Series66 practice exam | GERO-BC practice test | ACP-100 practice questions | PCE-CBC Study Guide | TOEFL question test | 4A0-C04 practice exam | 5V0-31.22 online exam | QSSA2023 VCE | CFE-FP-D assessment test trial | NSE5_FAZ-7.2 exam results | Salesforce-Data-Cloud exam cram | C1000-157 mock test | 920-552 cram book | 1V0-81.20 mock exam | C90.02 test example | PMHNP-BC trial test questions | HPE0-J58 test practice | 050-733 practice questions | 71201X trial test | HPE6-A71 PDF Questions |


NREMT-PTE - NREMT Paramedic Trauma exam outline
NREMT-PTE - NREMT Paramedic Trauma exam learning
NREMT-PTE - NREMT Paramedic Trauma exam study tips
NREMT-PTE - NREMT Paramedic Trauma exam exam format
NREMT-PTE - NREMT Paramedic Trauma exam outline
NREMT-PTE - NREMT Paramedic Trauma exam Study Guide
NREMT-PTE - NREMT Paramedic Trauma exam Practice Questions
NREMT-PTE - NREMT Paramedic Trauma exam Practice Questions
NREMT-PTE - NREMT Paramedic Trauma exam Premium PDF
NREMT-PTE - NREMT Paramedic Trauma exam Exam Questions
NREMT-PTE - NREMT Paramedic Trauma exam book
NREMT-PTE - NREMT Paramedic Trauma exam test
NREMT-PTE - NREMT Paramedic Trauma exam answers
NREMT-PTE - NREMT Paramedic Trauma exam boot camp
NREMT-PTE - NREMT Paramedic Trauma exam Premium PDF
NREMT-PTE - NREMT Paramedic Trauma exam exam success
NREMT-PTE - NREMT Paramedic Trauma exam book
NREMT-PTE - NREMT Paramedic Trauma exam exam cram
NREMT-PTE - NREMT Paramedic Trauma exam PDF Download
NREMT-PTE - NREMT Paramedic Trauma exam Free exam PDF
NREMT-PTE - NREMT Paramedic Trauma exam Latest Questions
NREMT-PTE - NREMT Paramedic Trauma exam book
NREMT-PTE - NREMT Paramedic Trauma exam exam format
NREMT-PTE - NREMT Paramedic Trauma exam Exam questions
NREMT-PTE - NREMT Paramedic Trauma exam techniques
NREMT-PTE - NREMT Paramedic Trauma exam techniques
NREMT-PTE - NREMT Paramedic Trauma exam exam
NREMT-PTE - NREMT Paramedic Trauma exam syllabus
NREMT-PTE - NREMT Paramedic Trauma exam guide
NREMT-PTE - NREMT Paramedic Trauma exam test
NREMT-PTE - NREMT Paramedic Trauma exam test
NREMT-PTE - NREMT Paramedic Trauma exam PDF Download
NREMT-PTE - NREMT Paramedic Trauma exam outline
NREMT-PTE - NREMT Paramedic Trauma exam Latest Questions
NREMT-PTE - NREMT Paramedic Trauma exam exam format
NREMT-PTE - NREMT Paramedic Trauma exam test prep
NREMT-PTE - NREMT Paramedic Trauma exam premium pdf
NREMT-PTE - NREMT Paramedic Trauma exam information hunger
NREMT-PTE - NREMT Paramedic Trauma exam PDF questions
NREMT-PTE - NREMT Paramedic Trauma exam PDF download
NREMT-PTE - NREMT Paramedic Trauma exam book
NREMT-PTE - NREMT Paramedic Trauma exam exam
NREMT-PTE - NREMT Paramedic Trauma exam Exam Questions
NREMT-PTE - NREMT Paramedic Trauma exam information source

Other Medical Practice Tests


AEMT Question Bank | DTR exam results | AHM-540 prep questions | NCBTMB free online test | CNSC practice questions | ABEM-EMC study guide | AAMA-CMA exam test | NCPT study questions | PANRE questions and answers | CCM cbt | CCN free study guide | CCP exam Cram | NPTE Practice Test | FPGEE exam prep | NCMA-CMA mock exam | COMLEX-USA practice test | OCS study guide | RPFT practice exam | AACN-CMC study guide | DANB real questions |


Best practice questions You Ever Experienced


CPNP-PC free prep | JN0-553 Practice test | HPE2-N69 Questions and Answers | NS0-593 VCE | 499-01 trial test questions | C1000-127 pass exam | CNA Study help | ONCB-ONP-C Real exam Questions | SD0-101 exam cram | PCEP-30-02 training material | SVC-19A study guide | C1000-005 exam Questions | TMSTE free study guide | 305-300 cram | 156-315.81.20 trial questions | 1Y0-204 exam questions | GB0-191-ENU study help | 3V0-752 exam prep | LE0-641 certification sample | 300-100 prep questions |





References :


https://killexams-posting.dropmark.com/817438/23644663
https://killexams-posting.dropmark.com/817438/23756571
http://killexams-braindumps.blogspot.com/2020/07/exactly-same-nremt-pte-pdf-questions-as.html
https://www.instapaper.com/read/1323674773
https://sites.google.com/view/killexams-nremt-pte-latest-top
https://www.coursehero.com/file/79567743/NREMT-Paramedic-Trauma-Exam-NREMT-PTEpdf/
http://feeds.feedburner.com/Real300-430QuestionsThatShowedUpInTestToday
https://files.fm/f/vjjgsdy3w



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






Direct Download

NREMT-PTE 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.

NREMT-PTE Reviews

100% Valid and Up to Date NREMT-PTE 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