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.

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


Practice Domains No. of Items % of Items

Domain 1. Pharmacy and Pharmacology 18 12%

Domain 2. Surgical Nursing 17 11%

Domain 3. Dentistry 12 8%

Domain 4. Laboratory Procedures 17 12%

Domain 5. Animal Care and Nursing 30 20%

Domain 6. Diagnostic Imaging 11 7%

Domain 7. Anesthesia 22 15%

Domain 8. Emergency Medicine/Critical Care 12 8%

Domain 9. Pain Management/Analgesia 11 7%

Total 150 100%



Domain 1 Pharmacy and Pharmacology (18 items, 12%)

TASK 1A Utilize knowledge of anatomy, physiology and pathophysiology as it applies to the use of pharmacological and biological agents.

TASK 1B Prepare medications in compliance with veterinarian's orders.

TASK 1C Educate the client regarding pharmacological and biological agents administered or dispensed to ensure the safety of the patient/client and efficacy of the products.

TASK 1D Calculate fluid therapy rate.

TASK 1E Calculate medications based on the appropriate dosage in compliance with veterinarian's orders.

TASK 1F Dispense medications in compliance with veterinary orders.

TASK 1G Maintain controlled drug inventory and related log books.

TASK 1H Recognize classifications of drugs, their mechanisms, and clinically relevant side effects.

TASK 1I Store, handle, and safely dispose of pharmacological and biological agents.



Domain 2 Surgical Nursing (17 items, 11%)

TASK 2A Utilize knowledge of anatomy, physiology and pathophysiology as it applies to surgical nursing.

TASK 2B Prepare the surgical environment, equipment, instruments, and supplies to meet the needs of the surgical team and patient.

TASK 2C Prepare patient for surgical procedure.

TASK 2D Function as a sterile surgical technician to ensure patient safety and procedural efficiency.

TASK 2E Function as a circulating (non-sterile) surgical technician to ensure patient safety and procedural efficiency.

TASK 2F Clean instruments by the appropriate method (e.g., manual, soak, or ultrasonic).

TASK 2G Maintain aseptic conditions in surgical suite and during surgical procedures.

TASK 2H Maintain the surgical environment, equipment, instruments, and supplies to meet the needs of the surgical team and patient.

TASK 2I Sterilize equipment and supplies by the appropriate method (e.g., steam, gas).



Domain 3 Dentistry (12 items, 8%)

TASK 3A Utilize knowledge of anatomy, physiology and pathophysiology as it applies to dentistry.

TASK 3B Prepare the environment, equipment, instruments, and supplies for dental procedures.

TASK 3C Perform routine dental prophylaxis (e.g., manual and machine cleaning, polishing).

TASK 3D Educate the client regarding dental health, including prophylactic and post-treatment care.

TASK 3E Maintain the environment, equipment, instruments, and supplies for dental procedures.

TASK 3F Perform oral examination and documentation.

TASK 3G Produce diagnostic dental images and/or radiographs.



Domain 4 Laboratory Procedures (17 items, 12%)

TASK 4A Utilize knowledge of anatomy, physiology and pathophysiology as it applies to laboratory procedures.

TASK 4B Prepare specimens and documentation for in-house or outside laboratory evaluation.

TASK 4C Perform laboratory tests and procedures (including but not limited to microbiology, serology, cytology, hematology, urinalysis, and parasitology).

TASK 4D Maintain laboratory equipment and related supplies to ensure quality of test results and safety of operation.

TASK 4E Maintain specimens for in-house or outside laboratory evaluation.



Domain 5 Animal Care and Nursing (30 items, 20%)

TASK 5A Utilize knowledge of anatomy, physiology and pathophysiology as it applies to patient care and nursing.

TASK 5B Document initial and ongoing evaluations of physical, behavioral, nutritional, clinical procedures, and mentation status of patients to provide optimal patient/client safety and health.

TASK 5C Perform patient nursing procedures (including but not limited to restraint, catheterization, wound management and bandaging) in the implementation of prescribed treatments.

TASK 5D Perform clinical diagnostic procedures (including but not limited to blood pressure measurement, electrocardiography, and oximetry) to aid in diagnosis and prognosis.

TASK 5E Educate clients and the public about animal care (including but not limited to behavior, nutrition, pre- and post-operative care, preventative care, zoonosis) to promote and maintain the health of animals and the safety of clients/public.



Domain 5 Animal Care and Nursing (30 items, 20%)

TASK 5F Provide a safe, sanitary, and comfortable environment for patients to ensure optimal healthcare and client/personnel safety.

TASK 5G Maintain diagnostic equipment and related supplies to ensure quality of test results and safety of operation.

TASK 5H Administer medications via the appropriate routes (e.g., aural, intravenous, subcutaneous).

TASK 5I Collect specimens for in-house or outside laboratory evaluation.

TASK 5J Collect patient information (e.g., signalment, medical history, primary complaint).

TASK 5K Adherence to appropriate disposal protocols of hazardous materials.

TASK 5L Maintain therapeutic treatments (including but not limited to catheters, wound management and bandages).

TASK 5M Manage hospitalized patients (e.g., appetite, TPR, nutritional needs, medication, mentation).

TASK 5N Perform physical rehabilitation as directed.

TASK 5O Provide assistance with the euthanasia process (e.g., disposal, consent, counseling).

TASK 5P Recognize behavioral characteristics of patients.

TASK 5Q Utilize devices and equipment to restrain large animals (e.g., horses, cattle, goats, swine) for treatment per patient safety protocols.

TASK 5R Utilize devices and equipment to restrain small animals (e.g., dogs, cats, birds) for treatment per patient safety protocols.



Domain 6 Diagnostic Imaging (11 items, 7%)

TASK 6A Utilize knowledge of anatomy, physiology, and pathophysiology as it applies to diagnostic images.

TASK 6B Produce diagnostic images and/or radiographs (excluding dental) following protocols for quality and operator/patient safety.

TASK 6C Maintain imaging/radiograph equipment and related materials to ensure quality of results and equipment, operator, and patient safety.



Domain 7 Anesthesia (22 items, 15%)

TASK 7A Utilize knowledge of anatomy, physiology and pathophysiology as it applies to anesthesia.

TASK 7B Assist in the development of the anesthetic plan to ensure patient safety and procedural efficacy.

TASK 7C Implement the anesthetic plan (including but not limited to administration of medication and monitoring) to facilitate diagnostic, therapeutic, or surgical procedures.

TASK 7D Prepare anesthetic equipment and related materials to ensure operator and patient safety



Domain 7 Anesthesia (22 items, 15%)

TASK 7E Educate the client about anesthetics and anesthesia to ensure the safety of the patient/client and efficacy of the product(s) or procedure(s).

TASK 7F Maintain anesthetic equipment and related materials to ensure reliable operation.

TASK 7G Maintain a patent airway using endotracheal intubation.

TASK 7H Monitor patients during all stages of anesthesia (pre-, peri-, and post-).

TASK 7I Obtain patient related information in the development of an appropriate anesthetic plan.

TASK 7J Respond appropriately to changes in patient status during all stages of anesthesia.



Domain 8 Emergency Medicine/Critical Care (12 items, 8%)

TASK 8A Utilize knowledge of anatomy, physiology and pathophysiology as it applies to emergency medicine and critical care.

TASK 8B Perform triage of a patient presenting with emergency/critical conditions (including but not limited to shock, acute illness, acute trauma, and toxicity).

TASK 8C Perform emergency nursing procedures (including but not limited to cardiopulmonary resuscitation (CPR), control acute blood loss, and fracture stabilization) in the implementation of prescribed treatments.

TASK 8D Perform critical care nursing procedures (including but not limited to blood component therapy, fluid resuscitation, and ongoing oxygen therapy) in the implementation of prescribed treatments.

TASK 8E Perform ongoing evaluations of physical, behavioral, nutritional, and mentation status of patients in emergency and critical conditions.



Domain 9 Pain Management/Analgesia (11 items, 7%)

TASK 9A Utilize knowledge of anatomy, physiology and pathophysiology as it applies to pain management and analgesia.

TASK 9B Assess need for analgesia in patient.

TASK 9C Educate client regarding patient pain test and management to ensure the safety of the patient/client, and efficacy of the product(s) or procedure(s).

TASK 9D Assist in the development and implementation of the pain management plan to optimize patient comfort and/or healing.

1. Anatomy

2. Normal physiology

3. Pathophysiology

4. Common animal diseases

5. Medical terminology

6. Toxicology

7. Applied mathematics (including but not limited to metric system/weights, measures/percentage solutions, dosage calculations)

8. Drug classification

9. Routes of administration of pharmacological and biological agents

10. Legal requirements and procedures for acquiring, preparing, storing, dispensing, documenting and disposing of pharmacological and biological agents

11. Safe handling practices for pharmacological and biological agents

12. Pharmacokinetics (drug absorption, metabolism, excretion), normal and abnormal drug reactions, indications, contraindications, side effects, and interactions

13. Fluid balance and therapy, including calculation

14. Aseptic techniques

15. Patient preparation and positioning techniques (including but not limited to diagnostic imaging, surgery, medical procedures)

16. Surgical procedures

17. Surgical equipment, instruments, and supplies

18. Sterilization techniques and quality assurance for equipment, instruments, and supplies

19. Safety considerations related to surgical equipment, instruments, and supplies

20. Wound closure (including suture materials and patterns, staples, and tissue adhesives)

21. Dental procedures (including but not limited to cleaning, floating, charting, preventive procedures, dental imaging)

22. Dental equipment, instruments, and supplies

23. Safety considerations related to dental procedures

24. sample collection, preparation, analysis, storing, and shipping techniques

25. Laboratory diagnostic principles, procedures, and methodologies (including but not limited to microbiology, serology, cytology, hematology, urinalysis, and parasitology)

26. Quality assurance in the laboratory (including but not limited to maintenance of equipment, verification of test results, calibration, and controls)

27. Normal and abnormal laboratory and diagnostic test results

28. Animal test and monitoring techniques, excluding anesthetic monitoring

29. Principles of animal behavior

30. Clinical diagnostic procedures

31. Nutrition

32. Safe animal handling and restraint techniques

33. Animal husbandry

34. Animal nursing procedures and rehabilitation therapies

35. Animal first aid, triage, and emergency/critical care techniques

36. Public health (including but not limited to infection control, zoonosis and epidemiology)

37. Environmental health and safety procedures (including but not limited to handling and disposing

of hazardous material, personal safety, evacuation procedures, safety plans, equipment, and instrumentation)

38. Disease control and prevention techniques (including but not limited to quarantine, isolation, vaccination, wellness care, and herd health)

39. Facility cleaning and disinfection techniques

40. Diagnostic imaging equipment and procedures (including but not limited to radiography, ultrasonography, and contrast studies)

41. Quality assurance and safety for diagnostic imaging

42. Pre- and post-anesthetic test and care

43. Anesthetic induction, maintenance, monitoring, and recovery including stages of anesthesia and troubleshooting

44. Pre-anesthetic and anesthetic medications reactions, indications, contraindications, side effects, and interactions

45. Pain test and analgesic administration techniques

46. Procedures for care, maintenance, and use of diagnostic, therapeutic, surgical, dental, monitoring, and anesthetic equipment and supplies

47. Professional ethics (including but not limited to the Veterinary Technician Code of Ethics)

48. Techniques for communicating with the veterinary medical team and client

49. Record keeping



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NC State Veterinary Hospital calls for canine blood donors as shortage impacts dogs

RALEIGH, N.C. (WNCN) — NC State’s Veterinary Hospital is looking for canine blood donors.

They say a shortage right now could impact life-saving care for dogs that need it.

It’s a scary thought that your dog could rushed to the emergency room for a blood transfusion, and the shelves could be in short supply.

“I really see those patients that need blood,” said Dr. Sarah Musulin, a veterinarian at NC State’s Veterinary Hospital who specializes in small animal emergency and critical care. She also serves as a clinical associate professor for NC State’s School of Veterinary Medicine.

She says the shortage is happening across the country.

“There’s a lot of conditions in dogs that require blood products,” she explained. “Whether it be trauma, vehicular accidents, cancer conditions, etc.”

Dr. Musulin also serves as director for NC State’s blood bank, where they’re looking for volunteer canine blood donors.

While they have a program for cat blood donors as well, she says the real need is currently in canines.

She encourages owners to apply for their dog to donate if the dog meets the following qualifications:

  • At least 60 pounds
  • 1 to 5 years old
  • Has a good temperament
  • “We want it to be stress-free for your dog too, so we’re selecting dogs that love to go to the veterinarian, love social interaction, love to be pat on the belly and need to sit still a little bit so they can get that blood donation,” said Dr. Musulin.

    If these qualifications are met, the dog would go through a free health screening with annual vaccinations to officially be approved.

    Once approved, the dog will be required to donate blood once every two months, or six times a year for two years.

    Each donor can also get a special bandana, which shows they’re doing the work to save a life.

    “Another benefit that they hope does not come into play is that, if you are in their canine blood donor program and your dog ever needed a blood product, then most certainly they will provide that blood product to you in their hospital,” Dr. Musulin said.

    One of the dogs getting tested right now to see if she can donate is named Catori.

    Her owner, Cameron Huggins, is a registered veterinary technician in the hospital’s intensive care unit, who sees firsthand how even one donation can save a life.

    “It’s good to have a lot of different supplies coming from a lot of different donors to that way they can get a good match,” he explained. “It would be pretty cool if I’m setting up for a blood transfusion and I see my dog is the donor on that. It just makes me feel great.”

    “The dogs are saving lives,” said Dr. Musulin. “I see this on the floor all the time and it makes my heart smile.”

    Dog owners looking to help can apply here to see if their dog can donate.


    Tufts' medical, dental, veterinary schools offer 'early assurance' to sophomores

    The stress of the admissions process, so familiar and traumatic from high school, rears its ugly head again for some students long before senior year. Sophomores have the option to apply for "early assurance" programs offered by the Tufts School of Medicine, the School of Dental Medicine and the Cummings School of Veterinary Medicine. According to Associate Dean for Undergraduate Education Carol Baffi?Duggan, the process of qualifying for and applying to these professional schools provides some certainty about the direction of one's career, although it can be academically demanding.

    "There's a bar [for applicants] in terms of academic expectations. They're not handing you an acceptance two years ahead of time ... unless you've done pretty darn well," Baffi?Duggan said.

    According to the Tufts Admissions website, early assurance to the Medical School is available only to a "very select group" of sophomores. Eligible students must have completed, and excelled in, two semesters of general chemistry, two semesters of introductory biology and one semester of organic chemistry by the summer of their sophomore year.

    "Specifically for the early assurance, it's around a 3.5 science and overall GPA that they're looking for," Associate Director of Pre?Professional Advising Stephanie Ripley said. "And they're also looking for healthcare?related experiences, making sure that going to medical school and specifically going to Tufts is going to be the right decision."

    Admission to the School of Medicine is not binding, but by the end of their junior year admitted students must either commit to the school or reject the offer.

    Students from Brandeis University, Boston College, College of the Holy Cross and Northeastern University are also eligible to apply as part of the early assurance program at the School of Medicine. The "Maine Track" program at the school also offers early assurance to eligible students at several participating colleges in Maine.

    Students from other collegest - University of Massachusetts Amherst, Worchester Polytechnic Institute and the University of Vermont - can also apply to the early acceptance program at the Cummings School of Veterinary Medicine along with Tufts students in the spring of their sophomore year. Accepted applicants must retain a 3.40 GPA through their senior year, according to the Tufts Admissions website.

    The School of Dental Medicine only offers an early assurance program to Tufts undergraduates - while sophomores can apply for the four?year dental program, students interested in the dental school are not officially granted admission until the completion of four years of undergraduate study, according to Ripley.

    "If they are accepted [as sophomores], the understanding is that they will be admitted to the dental school under some conditions," Ripley said. "So it's a conditional acceptance, and they will monitor them on a semester basis, looking at their GPA."

    Applying early to the Tufts School of Medicine forced senior Robert Cerulli to carefully consider whether to commit to a career in medicine.

    "Before this option is even put in front of you, before you go through the application process itself, you really need to ask yourself, 'Is this what I'm going to do? Is this what I think I can see being best for myself in the future?'" Cerulli said. "It forces you to figure that out a little bit more early on. But at the same time, once you do have that option in front of you, and you know that that's where you want to go, it's definitely a fantastic blessing and opportunity to have."

    Early assurance provides a sense of certainty for many students. Students who have applied early in their sophomore year usually find out if they have been accepted soon after the end of the fall semester, according to Melissa Friedman, the director of admissions at the Tufts School of Dental Medicine.

    "By doing the early assurance program, they're able to pursue other opportunities...[and] devote more time to their studies rather than having to complete this long and arduous application process," Friedman said.

    Jason Kerstein (LA '13), who graduated from Tufts last semester and will be attending Tufts Medical School this fall, said that the early assurance track provided him with a specific goal to motivate him through the remainder of his undergraduate career.

    "The biggest change in my mentality was that I now knew what I was working directly towards," Kerstein said. "I always had this goal that I wanted to go to medical school, and now I knew for sure that this was a reality and it was motivational to be working towards that as opposed to hoping for that."

    Beyond gaining certainty, students who are accepted early avoid the testing and travel that go hand in hand with seeking admission to institutions of higher education, Friedman said. According to the Tufts Admissions website, the Medical College Admission Test (MCAT) is not required for early assurance applicants to the School of Medicine.

    The opportunity to circumvent the normal application process to these schools is a privilege, Cerulli said.

    "During your senior year, when you might have classes that you're finishing up, [you can avoid traveling] to interviews for 10 to 15 different schools," he said.

    The time and attention necessary for preparation and acceptance into any of the pre?health programs is indicative of the lifestyle that comes with the medical professions, according to Baffi?Duggan.

    "It's very demanding and you never stop learning. You have to love it and you have to really know what it's going to mean for your life," she said.

    A support and advice network for applicants to these early assurance programs is available on campus through pre?professional groups such as the Premedical Society and advisors, who are available to students to answer questions about applying to any of the professional schools.12


     




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    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