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 TCRN?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der TCRN: Trauma Certified Registered Nurse Exam Prüfung.

2023 Updated Actual TCRN questions as experienced in Test Center

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

TCRN practice test - Trauma Certified Registered Nurse test | https://www.easyfinanz.cc/

Certification-Board TCRN : Trauma Certified Registered Nurse test Exam Dumps

Exam Dumps Organized by Shahid nazir

Latest 2023 Updated Certification-Board Trauma Certified Registered Nurse test Syllabus
TCRN ACTUAL EXAM QUESTIONS / Braindumps contains genuine test Questions

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

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

Exam Number : TCRN
Exam Name : Trauma Certified Registered Nurse Exam
Vendor Name : Certification-Board
Update : Click Here to Check Latest Update
Question Bank : Check Questions

Full TCRN Question Bank examcollection from killexams
Passing the TCRN test is not as simple as just practicing course books. There are numerous tricky questions that can lead to failure. At killexams.com, they have taken care of this by collecting TCRN Exam Braindumps and updating TCRN Practice Questions on a regular basis. Candidates can download and memorize these materials before attempting the genuine TCRN exam.

Our cheat sheet has helped a vast number of applicants to breeze through the TCRN test and secure good positions in their respective organizations. However, their success is not just because of their TCRN Practice Questions, 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 TCRN test using their questions and answers, but also on enhancing their understanding of TCRN courses and objectives, which is the key to their success.

We offer genuine TCRN test Q&A Exam Cram in two formats - TCRN PDF file and TCRN VCE test engine. Their TCRN cheat sheet 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 TCRN study guide and the genuine test is 98%. If you want to pass the Certification-Board TCRN test in just one attempt, visit killexams.com for the genuine test questions.

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

About the TCRN Exam

Clinical Practice: Head and Neck

A. Neurologic trauma

1. Traumatic brain injuries

2. Spinal injuries

B. Maxillofacial and neck traum

1. Facial fractures

2. Ocular trauma

3. Neck trauma

Clinical Practice: Trunk

A. Thoracic trauma

1. Chest wall injuries

2. Pulmonary injuries

B. Cardiac injuries

1. Great vessel injuries

C. Abdominal trauma

1. Hollow organ injuries

2. Solid organ injuries

3. Diaphragmatic injuries

4. Retroperitoneal injuries

D. Genitourinary trauma

E. Obstetrical trauma (pregnant patients)

Clinical Practice: Extremity and Wound

25 A. Musculoskeletal trauma

1. Vertebral injuries

2. Pelvic injuries

3. Compartment syndrome

4. Amputations

5. Extremity fractures

6. Soft- tissue injuries

B. Surface and burn trauma

1. Chemical burns

2. Electrical burns

3. Thermal burns

4. Inhalation injuries

Clinical Practice: Special Considerations

A. Psychosocial issues related to trauma

B. Shock

1. Hypovolemic

2. Obstructive (e.g., tamponade, tension, pneumothorax)

3. Distributive (e.g., neurogenic, septic)

4. Cardiogenic


Continuum of Care

A. Injury prevention

B. Prehospital care

C. Patient safety (e.g., fall prevention)

D. Patient transfer

1. Intrafacility (within a facility, across departments)

2. Interfacility (from one facility to another

E. Forensic issues

1. Evidence collection

2. Chain of custody

F. End- of- life issues

1. Organ/ tissue donation

2. Advance directives

3. Family presence

4. Palliative care

G. Rehabilitation (discharge planning)

Professional Issues 17 A. Trauma quality management

1. Performance improvement

2. Outcomes follow- up and feedback (e.g., referring facilities, EMS)

3. Evidence- based practice

4. Research

5. Mortality/ morbidity reviews

B. Staff safety (e.g., standard precautions, workplace violence)

C. Disaster management (i.e., preparedness, mitigation, response, and recovery)

D. Critical incident stress management

E. Regulations and standards



3. Designation/ verifi cation (e.g., trauma center/ trauma systems)

F. Education and outreach for interprofessional trauma teams and the public

G. Trauma registry (e.g., data collection)

H. Ethical issues

D. Critical incident stress management

E. Regulations and standards



3. Designation/ verifi cation (e.g., trauma center/ trauma systems)

F. Education and outreach for interprofessional trauma teams and the public

G. Trauma registry (e.g., data collection)

H. Ethical issues

I. Assessment

A. Establish mechanism of injury

B. Assess, intervene, and stabilize patients with immediate life- threatening conditions

C. Assess pain

D. Assess for adverse drug and blood reactions

E. Obtain complete patient history

F. Obtain a complete physical evaluation

G. Use Glasgow Coma Scale (GCS) to evaluate patient status

H. Assist with focused abdominal sonography for trauma (FAST) examination

I. Calculate burn surface area

J. Assessment not otherwise specified

II. Analysis

A. Provide appropriate response to diagnostic test results

B. Prepare equipment that might be needed by the team

C. Identify the need for diagnostic tests

D. Determine the plan of care

E. Identify desired patient outcomes

F. Determine the need to transfer to a higher level of care

G. Determine the need for emotional or psychosocial support

H. Analysis not otherwise specified

III. Implementation

A. Incorporate age- specific needs for the patient population served

B. Respond with decisiveness and clarity to unexpected events

C. Demonstrate knowledge of pharmacology

D. Assist with or perform the following procedures:

1. Chest tube insertion

2. Arterial line insertion

3. Central line insertion

4. Compartment syndrome monitoring devices:

a. Abdominal

b. Extremity

5. Doppler

6. End- tidal CO 2

7. Temperature- control devices (e.g., warming and cooling)

8. Pelvic stabilizer

9. Immobilization devices

10. Tourniquets

11. Surgical airway insertion

12. Intraosseous needles

13. Intracranial pressure (ICP) monitoring devices

14. Infusers:

a. Autotransfusion

b. Fluid

c. Blood and blood products

15. Needle decompression

16. Fluid resuscitation:

a. Burn fluid resuscitation

b. Hypertonic solution

c. Permissive hypotension

d. Massive transfusion protocol (MTP)

17. Pericardiocentesis

18. Bedside open thoracotomy

E. Manage patients who have had the following procedures:

1. Chest tube insertion

2. Arterial line insertion

3. Central line insertion

4. Compartment syndrome monitoring devices:

a. Abdominal

b. Extremity

5. End- tidal CO 2

6. Temperature control devices (e.g., warming and cooling)

7. Pelvic stabilizer

8. Immobilization devices

9. Tourniquets

10. Surgical airway

11. Intraosseous needles

12. ICP monitoring devices

13. Infusers:

a. Fluid

b. Blood and blood products

14. Needle decompression

15. Fluid resuscitation:

a. Burn fluid resuscitation

b. Hypertonic solution

c. Permissive hypotension

d. MTP

16. Pericardiocentesis

F. Manage patients pain relief by providing:

1. Pharmacologic interventions

2. Non pharmacologic interventions

G. Manage patient sedation and analgesia

H. Manage tension pneumothorax

I. Manage burn resuscitation

J. Manage increased abdominal pressure

K. Provide complex wound management (e.g., ostomies, drains, wound vacuumassisted closure [VAC], open abdomen)

L. Implementation not otherwise specified

IV. Evaluation

A. Evaluate patients response to interventions

B. Monitor patient status and report findings to the team

C. Adapt the plan of care as indicated

D. Evaluation not otherwise specified

V. Continuum of care

A. Monitor or evaluate for opportunities for program or system improvement

B. Ensure proper placement of patients

C. Restore patient to optimal health

D. Collect, analyze, and use data:

1. To Strengthen patient outcomes

2. For benchmarking

3. To decrease incidence of trauma

E. Coordinate the multidisciplinary plan of care

F. Continuum of care not otherwise specified

VI. Professional issues

A. Adhere to regulatory requirements related to:

1. Infectious diseases

2. Hazardous materials

3. Verification/ designation

4. Confidentiality

B. Follow standards of practice

C. Involve family in:

1. Patient care

2. Teaching/ discharging planning

D. Recognize need for social/ protective service consults

E. Provide information to patient and family regarding community resources

F. Address language and cultural barriers

G. Participate in and promote lifelong learning related to new developments and clinical advances

H. Act as an advocate (e.g., for patients, families, and colleagues) related to ethical, legal, and psychosocial issues

I. Provide trauma patients and their families with psychosocial support

J. Assess methods continuously to Strengthen patient outcomes

K. Assist in maintaining the performance improvement programs

L. Participate in multidisciplinary rounds

M. Professional issues not otherwise specified

The TCRN test is for nurses practicing across the continuum of trauma care who want to demonstrate their expertise and knowledge in trauma nursing. BCEN is the only source for trauma care nurses and their employers to gain recognized certification for greater knowledge and performance. Advance your trauma nursing care and career at every critical point in the continuum.

BCENs certification exams are developed by an test committee of nurses who practice in the specific exams specialty area and represent diverse geography. BCEN partners with a test development company to ensure the test is psychometrically sound and questions are written in best practice format. Earning a BCEN certification is a national recognition and allows the holder to display the credential as part of their signature.

BCEN exams are based on specialty nursing role delineation studies (RDS). These research studies also known as a practice analysis or job analysis are conducted by test committees of subject matter experts.

As part of the RDS, survey instruments are distributed to nurses practicing in each specialty area throughout the United States. The survey responses guide the test committee in determining knowledge relevant to practice. The integrated concepts, cognitive level distribution, and the number of items (questions) specified within each content area are developed by an iterative process resulting in unanimous agreement from the test committee.

Next, item writers create test questions and the items are reviewed, revised, and approved by the test construction and review committee. The items are also repeatedly reviewed throughout the test development process.

Finally, examinations are delivered by computer at Pearson VUE testing centers. The examinations are administered daily Monday through Friday at the test takers convenience.

Only their practice exams are created by the same organization designing the genuine exams (thats us).
We have a committee of nurses and emergency professionals who build their practice exams with the goal of helping you succeed.
A BCEN practice test will help you familiarize yourself with the computer-based format of the real exam.
You will be able to answer questions, then have immediate access to the correct answers, backed up with rationale and references.

Killexams Review | Reputation | Testimonials | Feedback

Worked difficult on TCRN books, but the whole thing turned into on this study guide.
I received a score of 76% on the TCRN exam, and I credit my success to the comprehensive and easy-to-use materials provided by killexams.com. I highly recommend this site to anyone who is preparing for this exam.

Do a smart move, read these TCRN Questions and Answers.
I found the killexams.com Q&A and test Simulator to be extremely helpful in comprehending some of the intricate concepts tested in the TCRN exam. Thanks to these resources, I was able to breeze through the test and answer all the questions with ease. The quality and validity of the product is unmatchable, with all the questions in the item appearing in the test as well. I was amazed by the accuracy of the material and thankful for all the help provided to me.

Where can I get help to pass TCRN exam?
With only one week left before the TCRN exam, I relied on the Q&A provided by killexams.com for fast reference. The brief and systematic replies contained in the material were incredibly helpful and allowed me to score well in the exam. Thanks to killexams.com, my international perception of the test changed, and I was able to pass the test easily.

Did you attempted this exceptional source of laACTUAL EXAM QUESTIONS.
Killexams.com is a great company that has helped me more than once. I passed the TCRN test last fall, and over 90% of the questions were honestly valid at that time. They are likely still valid today since killexams.com updates their material regularly. I am hoping for a discount on my next bundle with them as a loyal customer.

Got no issue! 24 hours prep of TCRN real test questions is sufficient.
I highly recommend the training offered by killexams.com to everyone planning to take the TCRN exam. Their coverage of the test principles is extensive, and I learned precisely what I needed to pass the exam.

Certification-Board Nurse information source


Nurses Board test Passed

Submitted photo Emily Bedford passed her licensed practical nurses board test on July 26, and now works as an LPN at Elkins Rehabilitation & Care Center. Bedford began her nursing career at ERCC on April 28, 2021, when she was hired as a temporary nurse’s aide during the pandemic, and then passed her CNA certification examination in December, 2021. She graduated from the Randolph County Technical Center’s LPN program in February 2023 and began working at ERCC as a graduate practical nurse. Above, Bedford, left, receives congratulatory gifts and flowers from ERCC Director of Nursing Autumn Elza. 

Today's breaking news and more in your inbox

US nurse freed from Haiti says Christian song was her battle cry after kidnapping

A U.S. nurse who was released by Haitian kidnappers last week revealed that a Christian song called "See a Victory" was her rallying cry after she and her young daughter were abducted from a school campus.

Alix Dorsainvil and her daughter were freed Wednesday healthy and unharmed, according to El Roi Haiti, the Christian aid organization founded by Dorsainvil's husband. Their release comes nearly two weeks after they were taken at gunpoint from the campus of a Christian-run school near Haiti's capital city of Port-au-Prince.

El Roi Haiti posted a statement from Dorsainvil on Saturday in which the New Hampshire woman expressed appreciation for the support for her and her child while they were missing.


Alix Dorsainvil (right) with her husband Sandro Dorsainvil (left), who is the director of the faith-based nonprofit El Roi Haiti. (El Roi Haiti)

"I am completely humbled by the outpouring of support and prayer for myself and my sweet baby both during and following their time in captivity," Dorsainvil said. "God was so very present in the fire with us and I pray that when I find the words to tell their story, that the mighty name of Jesus may be glorified and many people will come to know his love."


Dorsainvil said that, after she was kidnapped, she recalled the song "See a Victory" by the North Carolina-based Elevation Worship music collective.

"There's a part that says, 'You take what the enemy meant for evil, and you turn it for good,'" she said.

A girl carries a sign practicing "Free school is broken. Release the nurse" in Creole during a protest demanding the release of American nurse Alix Dorsainvil and her daughter after their abduction in Port-au-Prince, Haiti. (AP Photo/Odelyn Joseph)

Haiti has seen a rise in gang violence since the assassination of President Jovenel Moïse in 2021. His killing worsened criminal control of Haiti and people are regularly killed, raped and held for ransom, The Associated Press reported.


According to a local nonprofit, there have been 539 kidnappings since January, a significant uptick over previous years.

It is unclear whether a ransom was paid to free Dorsainvil and her daughter.

The Associated Press contributed to this report.


Obviously it is hard task to pick solid certification Q&A concerning review, reputation and validity since individuals get scam because of picking bad service. Killexams.com ensure to serve its customers best to its value concerning ACTUAL EXAM QUESTIONS update and validity. The vast majority of customers scam by resellers come to us for the ACTUAL EXAM QUESTIONS and pass their exams cheerfully and effectively. They never trade off on their review, reputation and quality because killexams review, killexams reputation and killexams customer certainty is vital to us. Specially they deal with killexams.com review, killexams.com reputation, killexams.com scam report grievance, killexams.com trust, killexams.com validity, killexams.com report. In the event that you see any false report posted by their competitors with the name killexams scam report, killexams.com failing report, killexams.com scam or something like this, simply remember there are several terrible individuals harming reputation of good administrations because of their advantages. There are a great many successful clients that pass their exams utilizing killexams.com ACTUAL EXAM QUESTIONS, killexams PDF questions, killexams questions bank, killexams VCE test simulator. Visit their specimen questions and test ACTUAL EXAM QUESTIONS, their test simulator and you will realize that killexams.com is the best brain dumps site.

Which is the best dumps website?
Without a doubt, Killexams is 100 % legit along with fully efficient. There are several functions that makes killexams.com genuine and legitimized. It provides informed and 100 % valid ACTUAL EXAM QUESTIONS that contains real exams questions and answers. Price is small as compared to the majority of the services on internet. The Q&A are current on usual basis having most recent brain dumps. Killexams account make and product or service delivery is incredibly fast. Data file downloading is usually unlimited and intensely fast. Help is avaiable via Livechat and Email. These are the features that makes killexams.com a sturdy website that include ACTUAL EXAM QUESTIONS with real exams questions.

Is killexams.com test material dependable?
There are several Q&A provider in the market claiming that they provide genuine test Questions, Braindumps, Practice Tests, Study Guides, cheat sheet and many other names, but most of them are re-sellers that do not update their contents frequently. Killexams.com is best website of Year 2023 that understands the issue candidates face when they spend their time studying obsolete contents taken from free pdf download sites or reseller sites. Thats why killexams.com update test Q&A with the same frequency as they are updated in Real Test. ACTUAL EXAM QUESTIONS provided by killexams.com are Reliable, Up-to-date and validated by Certified Professionals. They maintain examcollection 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 genuine exam. When you feel that you should register for Premium Version, Just choose visit killexams.com and register, you will receive your Username/Password in your Email within 5 to 10 minutes. All the future updates and changes in Q&A will be provided in your download Account. You can download Premium ACTUAL EXAM QUESTIONS files as many times as you want, There is no limit.

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

FAR boot camp | GE0-806 questions answers | PHR free pdf | NCIDQ-CID braindumps | ACA-Developer practice test | Mulesoft-CD test demo | 0G0-081 assessment test demo | ServiceNow-CSA free pdf | 350-901 study material | BCP-521 demo test | CPEH-001 writing test questions | AZ-304 study guide | CPCE test prep | 010-002 cbt | AD0-E308 braindumps | FCESP dumps | 350-401 pass test | PEGAPCRSA80V1_2019 past exams | EADA10 ACTUAL EXAM QUESTIONS | Salesforce-B2B-Commerce-Administrator free pdf download |

TCRN - Trauma Certified Registered Nurse test boot camp
TCRN - Trauma Certified Registered Nurse test Practice Test
TCRN - Trauma Certified Registered Nurse test Exam dumps
TCRN - Trauma Certified Registered Nurse test Exam Questions
TCRN - Trauma Certified Registered Nurse test information source
TCRN - Trauma Certified Registered Nurse test Question Bank
TCRN - Trauma Certified Registered Nurse test Free test PDF
TCRN - Trauma Certified Registered Nurse test real questions
TCRN - Trauma Certified Registered Nurse test cheat sheet
TCRN - Trauma Certified Registered Nurse ACTUAL EXAM QUESTIONS
TCRN - Trauma Certified Registered Nurse test Practice Test
TCRN - Trauma Certified Registered Nurse test boot camp
TCRN - Trauma Certified Registered Nurse test certification
TCRN - Trauma Certified Registered Nurse test PDF Download
TCRN - Trauma Certified Registered Nurse test information search
TCRN - Trauma Certified Registered Nurse test Exam dumps
TCRN - Trauma Certified Registered Nurse test book
TCRN - Trauma Certified Registered Nurse test Exam Questions
TCRN - Trauma Certified Registered Nurse test book
TCRN - Trauma Certified Registered Nurse test exam contents
TCRN - Trauma Certified Registered Nurse test boot camp
TCRN - Trauma Certified Registered Nurse test Latest Topics
TCRN - Trauma Certified Registered Nurse test course outline
TCRN - Trauma Certified Registered Nurse test learning
TCRN - Trauma Certified Registered Nurse test exam contents
TCRN - Trauma Certified Registered Nurse test information hunger
TCRN - Trauma Certified Registered Nurse test test
TCRN - Trauma Certified Registered Nurse test answers
TCRN - Trauma Certified Registered Nurse test exam contents
TCRN - Trauma Certified Registered Nurse test braindumps
TCRN - Trauma Certified Registered Nurse test PDF Braindumps
TCRN - Trauma Certified Registered Nurse test braindumps
TCRN - Trauma Certified Registered Nurse test information search
TCRN - Trauma Certified Registered Nurse test study help
TCRN - Trauma Certified Registered Nurse test PDF Dumps
TCRN - Trauma Certified Registered Nurse test study help
TCRN - Trauma Certified Registered Nurse test Free PDF
TCRN - Trauma Certified Registered Nurse test study tips
TCRN - Trauma Certified Registered Nurse test Exam Questions
TCRN - Trauma Certified Registered Nurse test Real test Questions
TCRN - Trauma Certified Registered Nurse test outline
TCRN - Trauma Certified Registered Nurse test Exam dumps
TCRN - Trauma Certified Registered Nurse test education
TCRN - Trauma Certified Registered Nurse test guide

Other Certification-Board ACTUAL EXAM QUESTIONS

BCBA Latest Questions | NCC practice questions | NLN-PAX download | CSLE study guide | NCE cheat sheet | FSOT writing test questions | DMV test exam | ABCTE free pdf | ABPN-VNE mock questions | SBAC practice exam | BCB-Analyst test questions | RACP free prep | TCRN test sample | MTEL real questions | NAB-NHA test papers | ICTS free test papers | ABFM practice test | ISEE pdf download | NRP boot camp | STAAR Free PDF |

Best ACTUAL EXAM QUESTIONS You Ever Experienced

NBRC Practice Test | TOEFL mock questions | DEV-450 Study Guide | Hadoop-PR000007 demo test questions | 0B0-109 ACTUAL EXAM QUESTIONS | GP-Doctor real questions | PDX-101 cheat sheets | AZ-801 practice questions | Google-AVA free test papers | 700-651 test Questions | Dietitian bootcamp | 050-v70-CSEDLPS02 Latest Topics | AZ-500 real questions | 7220X braindumps | NBCOT cheat sheet pdf | 500-052 test Cram | Salesforce.Field-Service-Lightning-Consultant real questions | PACE VCE | PL-200 test results | IL0-786 online exam |

References :


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

Direct Download

TCRN 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.

TCRN Reviews

100% Valid and Up to Date TCRN 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 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.


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:


  • 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


  • 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