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 ABEM-EMC?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der ABEM-EMC: ABEM Emergency Medicine Certificate Prüfung.

2024 Updated Actual ABEM-EMC questions as experienced in Test Center

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

E html>

Medical ABEM-EMC : ABEM Emergency Medicine Certificate Practice Tests

Practice Tests Organized by Lee



Latest 2024 Updated Medical ABEM Emergency Medicine Certificate Syllabus
ABEM-EMC examcollection with Premium PDF and Test Engine

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




ABEM-EMC examcollection : Download 100% Free ABEM-EMC practice questions (PDF and VCE)

Exam Number : ABEM-EMC
Exam Name : ABEM Emergency Medicine Certificate
Vendor Name : Medical
Update : Click Here to Check Latest Update
Question Bank : Check Questions

Try not to Miss these Medical ABEM-EMC Study Guides with Latest Topics
To prepare for the ABEM-EMC exam, read their Medical ABEM-EMC Actual Questions and practice with their VCE exam simulator for around 24 hours. Register at killexams.com to obtain a 100% free PDF Questions copy to evaluate the quality of Latest Topics. Then, obtain the full version of the ABEM-EMC examcollection to study and prepare for the real test.

There are numerous companies online offering Free exam PDF, but unfortunately, most of them are reselling outdated dumps. It's crucial to find a reliable and trustworthy provider of ABEM-EMC Test Prep online. You can choose to study on your own or put your trust in killexams.com. However, it's important to ensure that your study efforts don't go to waste. They recommend going straight to killexams.com, where you can obtain 100% free ABEM-EMC Test Prep and assess the demo questions. If you're satisfied, sign up and get a three-month account to obtain the latest and valid ABEM-EMC PDF Questions with real test questions and answers. Don't forget to take advantage of their excellent discount coupons. Also, make sure to get ABEM-EMC VCE test simulator for practice.

If you're in search of the latest and 2024 updated test deposits to pass Medical ABEM-EMC exam and land a high-paying job, then simply register at killexams.com with exclusive discount coupons to obtain 2024 updated real ABEM-EMC questions. Their team of experts is working hard to provide real ABEM-EMC test questions that will help you pass the exam. You can obtain the updated ABEM-EMC test questions anytime with a 100% money-back guarantee. Many companies offer ABEM-EMC PDF Questions, but finding a valid and latest 2024 up-to-date ABEM-EMC Practice Test can be a challenge. Therefore, think twice before relying on free dumps available online.







ABEM-EMC exam Format | ABEM-EMC Course Contents | ABEM-EMC Course Outline | ABEM-EMC exam Syllabus | ABEM-EMC exam Objectives


Test Detail:
The ABEM-EMC (ABEM Emergency Medicine Certificate) is a certification exam offered by the American Board of Emergency Medicine (ABEM). It is designed to assess the knowledge, skills, and competence of physicians specializing in emergency medicine. The exam evaluates the candidate's ability to diagnose and manage a wide range of emergency medical conditions, make critical decisions under time constraints, and provide effective patient care in emergency settings.

Course Outline:
The ABEM-EMC certification process involves comprehensive training and preparation in emergency medicine. The course provides a thorough understanding of emergency medicine principles, diagnostic techniques, treatment protocols, and patient management strategies. While the specific course content may vary, the following is a general outline of the key syllabus covered:

1. Emergency Medicine Fundamentals:
- Introduction to emergency medicine as a specialty.
- Principles of emergency medical care and patient triage.
- Legal and ethical considerations in emergency medicine.
- Communication and teamwork in emergency settings.

2. Clinical Assessment and Diagnosis:
- Comprehensive patient evaluation and history-taking skills.
- Physical examination techniques specific to emergency medicine.
- Diagnostic imaging interpretation and ordering appropriate tests.
- Differential diagnosis and recognition of emergent conditions.

3. Emergency Procedures and Skills:
- Mastery of essential emergency procedures (e.g., intubation, CPR).
- Advanced life support techniques and algorithms.
- Management of trauma, cardiac emergencies, respiratory distress, etc.
- Procedural sedation and analgesia in the emergency department.

4. Medical and Trauma Emergencies:
- Recognition and management of common medical emergencies.
- Identification and treatment of trauma-related injuries.
- Approach to pediatric emergencies and neonatal resuscitation.
- Critical care principles in the emergency department.

5. Emergency Department Operations:
- Effective management of an emergency department.
- Resource allocation and patient flow optimization.
- Disaster management and emergency preparedness.
- Quality improvement initiatives in emergency medicine.

Exam Objectives:
The ABEM-EMC exam assesses the candidate's knowledge and competence in various aspects of emergency medicine. The exam objectives include, but are not limited to:

1. Clinical Knowledge and Skills:
- Demonstrating an understanding of emergency medicine principles.
- Applying diagnostic reasoning and clinical decision-making skills.
- Managing emergent conditions and critical care situations.

2. Patient Management and Communication:
- Providing effective and compassionate patient care in emergency settings.
- Communicating clearly and efficiently with patients, families, and healthcare teams.
- Demonstrating professionalism and empathy in challenging situations.

3. Emergency Procedures and Interventions:
- Performing essential emergency procedures accurately and safely.
- Implementing evidence-based treatment protocols and algorithms.
- Managing resuscitation efforts and responding to life-threatening emergencies.

4. Emergency Department Operations:
- Demonstrating knowledge of emergency department operations and logistics.
- Participating in multidisciplinary team collaborations.
- Prioritizing tasks and resources effectively in a fast-paced environment.

Syllabus:
The ABEM-EMC certification program includes a detailed syllabus that outlines the specific syllabus covered in the exam. It encompasses a broad range of emergency medicine knowledge and skills. The syllabus may cover the following areas:

- Emergency medicine fundamentals and principles.
- Clinical exam and diagnosis in emergency settings.
- Emergency procedures and life-saving interventions.
- Management of medical and trauma emergencies.
- Emergency department operations and administration.
- Patient communication and professionalism.
- Legal and ethical considerations in emergency medicine.



Killexams Review | Reputation | Testimonials | Feedback


It is a great idea to study ABEM-EMC questions with the latest practice tests.
I enrolled in ABEM-EMC and had thoroughly read all the chapters. However, the practice test provided by killexams.com was an excellent resource for practice. Thanks to their point practice test, I passed the exam with a 99% score, and even my doubts were clarified promptly. I wish to use their services in the future too. Great job, guys!


Top-notch material! I received real exam questions for the updated ABEM-EMC exam.
I typically do not rely on online study guides since they can be misleading. However, killexams.com provides valid question answers that help you prepare for your exam. With their ABEM-EMC exam simulator, I was able to pass my exam, which was not the case with free online materials.


It is fantastic to have ABEM-EMC real exam questions.
I needed an internet exam simulator for my ABEM-EMC exam, and killexams.com came to my rescue. The material they provided was so comprehensive that I was able to answer all questions within just ninety minutes. The practice test had all the crucial information I needed, and I was able to pass the exam with ease. Initially, I was hesitant to use killexams.com, but after downloading their demos, I realized how helpful their material was.


Here is a good source of the latest ABEM-EMC practice questions with accurate answers.
Although the ABEM-EMC exam was initially challenging for me, using the killexams.com exam simulator and guide helped me understand the questions and pass the exam with ease. I was able to answer 90 out of 100 questions by referring to the guide in the dump. The exam simulator was also excellent, and I appreciate the wonderful administrations provided by killexams.com.


I had no time to study the ABEM-EMC books and training!
Thanks to killexams.com, I scored 96% in my ABEM-EMC certification, and I now have complete trust in their products. My first interaction with this website was 12 months ago through one of my friends. I made fun of him for using the ABEM-EMC exam engine, but he was right, as he had scored 91% while I only scored 40%. Now, I trust this website and will return for future instances.


Medical Certificate course outline

ABEM-EMC Exam

User: Vanya*****

With only 12 days left to prepare for the ABEM-EMC exam, I felt overwhelmed and in need of a quick and effective guide. Fortunately, I found Killexams and their Questions and Answers. Their concise answers were easy to complete within 15 days, and I was able to score 88% in the real ABEM-EMC exam. The practice questions they supplied were also very helpful, with 90% of the questions appearing on the real exam. I owe my success to Killexams.
User: Louis*****

I chose Killexams.com because I not only wanted to pass the ABEM-EMC exam, but I also wanted to achieve a high score that would make a great impression on others. Killexams.com provided me with the necessary support to accomplish this goal. I used their ABEM-EMC questions to prepare, and I received the highest marks in the class. Killexams.com helped me succeed where others had failed.
User: Nastashi*****

The ABEM-EMC questions from killexams.com mirror exactly what the Exam Center gives you in the exam, and their preparation material is excellent. I passed with over 80% thanks to their helpful study guides.
User: Adam*****

I opted for the abem-emc package from Killexams.com as it was an appropriate level of preparation that ultimately helped me score 92% on the abem-emc exam. I appreciated the approach they took in simplifying the subjects and, with their guidance, I was able to overcome the challenges that came my way. Thanks to Killexams.com, my preparation became much less complex, and I am now better equipped to make advancements in my career.
User: Margaret*****

I am very glad that I passed the abem-emc exam with a top score, and I owe it all to killexams.com. I used their exam simulator as my primary source of preparation, and I received a consistent passing score. The content is very reliable, and I am happy that I trusted killexams.com. Everything was expertly crafted and dependable. Thumbs up from me!

ABEM-EMC Exam

Question: Will I be able to obtain new syllabus questions of ABEM-EMC exam?
Answer: You can visit the ABEM-EMC exam page at killexams and get information about the latest ABEM-EMC syllabus. You can obtain the latest ABEM-EMC practice test by registering for the full version of the ABEM-EMC exam.
Question: How can I check if there is any update of ABEM-EMC dumps?
Answer: Killexams team will inform you by email when the ABEM-EMC exam in your obtain section will be updated. If there is no change in the ABEM-EMC questions and answers, you do not need to obtain again and again the same document.
Question: Does exam Simulator stop working when my killexams account expires?
Answer: No, there is no expiry of the exam simulator. Killexams exam simulator keeps on working even after expiry but you can not obtain updated test files after your account expires. But the previous one keeps on working. And there is no limit on several times you practice the questions.
Question: How much is ABEM-EMC exam price?
Answer: You can see every ABEM-EMC practice test price-related information from the website. Usually, discount coupons do not stand for long, but there are several discount coupons available on the website. Killexams provide the cheapest hence up-to-date ABEM-EMC examcollection that will greatly help you pass the exam. You can see the cost at https://killexams.com/exam-price-comparison/ABEM-EMC You can also use a discount coupon to further reduce the cost. Visit the website for the latest discount coupons.
Question: Where am I able to find ABEM-EMC exam study help on the internet?
Answer: Killexams online account is the best place where you can obtain up-to-date and latest ABEM-EMC test prep questions. Killexams recommend these ABEM-EMC questions to memorize before you go for the real exam because this ABEM-EMC examcollection contains an up-to-date and 100% valid ABEM-EMC examcollection with a new syllabus. Killexams has provided the shortest ABEM-EMC questions for busy people to pass ABEM-EMC exam without memorizing massive course books. If you go through these ABEM-EMC questions, you are more than ready to take the test. They recommend taking your time to study and practice ABEM-EMC practice test until you are sure that you can answer all the questions that will be asked in the real ABEM-EMC exam. For a full version of ABEM-EMC test prep, visit killexams.com and register to obtain the complete examcollection of ABEM-EMC exam test prep. These ABEM-EMC exam questions are taken from real exam sources, that's why these ABEM-EMC 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 ABEM-EMC questions are sufficient to pass the exam.
Medical+Certificate+course+outline
https://www.pass4surez.com/art/read.php?keyword=Medical+Certificate+course+outline&lang=us&links=remove



Whilst it is very hard task to choose reliable exam mock test resources regarding review, reputation and validity because people get ripoff due to choosing incorrect service. Killexams make it sure to provide its clients far better to their resources with respect to study guide 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 demo 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?
Absolutely yes, Killexams is hundred percent legit plus fully reliable. There are several features that makes killexams.com traditional and legitimized. It provides informed and hundred percent valid exam questions that contain real exams questions and answers. Price is suprisingly low as compared to the majority of the services online. The mock test are up to date on standard basis through most accurate questions. Killexams account build up and device delivery is really fast. Computer file downloading is unlimited and fast. Help support is avaiable via Livechat and Electronic mail. These are the features that makes killexams.com a robust website that supply exam prep with real exams questions.



Is killexams.com test material dependable?
There are several mock test provider in the market claiming that they provide real 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 2024 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 test 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 examcollection 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 syllabus of new syllabus, They recommend to obtain PDF exam Questions from killexams.com and get ready for real exam. When you feel that you should register for Premium Version, Just choose visit killexams.com and register, you will receive your Username/Password in your Email within 5 to 10 minutes. All the future updates and changes in mock test will be provided in your obtain Account. You can obtain Premium practice test files as many times as you want, There is no limit.

Killexams.com has provided VCE practice test Software to Practice your 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 real Test. Go register for Test in Exam Center and Enjoy your Success.




F50-532 exam Questions | 1D0-621 practice questions | CIMAPRA19-P03-1-ENG exam preparation | IIA-CIA-Part3-3P free exam practice | 4A0-107 free prep | PEGAPCSSA85V1 Latest Questions | CRNA free exam papers | ASM study guide | CEH-001 Real exam Questions | JN0-451 practice questions | PSPO-II exam prep | 920-556 mock exam | NSE7_SDW-7.0 test questions | PDII past exams | SAFe-RTE practice exam | 101-500 Practice Questions | SD0-302 obtain | MB-330 practice questions | JN0-335 exam prep | C1000-171 practice test |


ABEM-EMC - ABEM Emergency Medicine Certificate study tips
ABEM-EMC - ABEM Emergency Medicine Certificate cheat sheet
ABEM-EMC - ABEM Emergency Medicine Certificate Premium PDF
ABEM-EMC - ABEM Emergency Medicine Certificate PDF Download
ABEM-EMC - ABEM Emergency Medicine Certificate learning
ABEM-EMC - ABEM Emergency Medicine Certificate teaching
ABEM-EMC - ABEM Emergency Medicine Certificate exam cram
ABEM-EMC - ABEM Emergency Medicine Certificate Question Bank
ABEM-EMC - ABEM Emergency Medicine Certificate questions
ABEM-EMC - ABEM Emergency Medicine Certificate test
ABEM-EMC - ABEM Emergency Medicine Certificate exam format
ABEM-EMC - ABEM Emergency Medicine Certificate exam help
ABEM-EMC - ABEM Emergency Medicine Certificate Test Prep
ABEM-EMC - ABEM Emergency Medicine Certificate Study Guide
ABEM-EMC - ABEM Emergency Medicine Certificate learn
ABEM-EMC - ABEM Emergency Medicine Certificate exam help
ABEM-EMC - ABEM Emergency Medicine Certificate Free exam PDF
ABEM-EMC - ABEM Emergency Medicine Certificate learn
ABEM-EMC - ABEM Emergency Medicine Certificate PDF download
ABEM-EMC - ABEM Emergency Medicine Certificate exam success
ABEM-EMC - ABEM Emergency Medicine Certificate teaching
ABEM-EMC - ABEM Emergency Medicine Certificate exam Questions
ABEM-EMC - ABEM Emergency Medicine Certificate PDF Questions
ABEM-EMC - ABEM Emergency Medicine Certificate real Questions
ABEM-EMC - ABEM Emergency Medicine Certificate education
ABEM-EMC - ABEM Emergency Medicine Certificate Practice Questions
ABEM-EMC - ABEM Emergency Medicine Certificate testing
ABEM-EMC - ABEM Emergency Medicine Certificate PDF Download
ABEM-EMC - ABEM Emergency Medicine Certificate practice tests
ABEM-EMC - ABEM Emergency Medicine Certificate guide
ABEM-EMC - ABEM Emergency Medicine Certificate Free exam PDF
ABEM-EMC - ABEM Emergency Medicine Certificate testing
ABEM-EMC - ABEM Emergency Medicine Certificate certification
ABEM-EMC - ABEM Emergency Medicine Certificate practice tests
ABEM-EMC - ABEM Emergency Medicine Certificate test
ABEM-EMC - ABEM Emergency Medicine Certificate Latest Topics
ABEM-EMC - ABEM Emergency Medicine Certificate test prep
ABEM-EMC - ABEM Emergency Medicine Certificate answers
ABEM-EMC - ABEM Emergency Medicine Certificate education
ABEM-EMC - ABEM Emergency Medicine Certificate study help
ABEM-EMC - ABEM Emergency Medicine Certificate Test Prep
ABEM-EMC - ABEM Emergency Medicine Certificate certification
ABEM-EMC - ABEM Emergency Medicine Certificate exam questions
ABEM-EMC - ABEM Emergency Medicine Certificate information source

Other Medical Practice Tests


DTR test practice | NCBTMB test prep questions | Podiatry-License-Exam-Part-III questions download | RPFT practice exam | COMLEX-USA Latest Questions | NCCT-TSC VCE | NREMT-PTE practice questions | AACN-CMC PDF Questions | NBRC free pdf | VTNE demo test questions | BMAT Practice Test | NCMA-CMA cram | MHAP Practice test | CCM practice exam | CVPM Free PDF | AACD exam prep | RDN Question Bank | CCP download | AHM-540 english test questions | DHORT questions and answers |


Best practice questions You Ever Experienced


DCPDS test prep | 9L0-314 past exams | SAFe-Agilist question test | Salesforce-Certified-Education-Cloud-Consultant exam Questions | DCDEP VCE | MB-300 practice test | DCAD exam questions | 050-720 practice questions | ICBRR cram book | 75940X study material | 4A0-114 model question | S2000-019 prep questions | DASSM test sample | MCIA-Level-1 exam results | 1T6-222 questions answers | 630-008 exam cram | 201-01 Practice Questions | NRP practice exam | 5V0-23.20 exam cram | 6210 exam questions |





References :


https://killexams-posting.dropmark.com/817438/23562384
https://killexams-posting.dropmark.com/817438/23756616
https://www.instapaper.com/read/1322812779
https://arfansaleemfan.blogspot.com/2020/08/abem-emc-abem-emergency-medicine.html
https://www.coursehero.com/file/66636076/ABEM-EMCpdf/
https://youtu.be/ADMj3DbyN44
http://killexamsbraindumps2.isblog.net/abem-emc-abem-emergency-medicine-certificate-updated-cheet-sheet-by-killexams-com-14593069
http://feeds.feedburner.com/SlaughterYourVcs-276ExamAtFirstAttempt
https://files.fm/f/pgeas5jg2



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






Direct Download

ABEM-EMC 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.

ABEM-EMC Reviews

100% Valid and Up to Date ABEM-EMC 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