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 CNOR?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der CNOR: CCI Certified Nurse Operating Room Prüfung.

2024 Updated Actual CNOR questions as experienced in Test Center

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

E html>

Nursing CNOR : CCI Certified Nurse Operating Room Practice Tests

Practice Tests Organized by Richard



Latest 2024 Updated Nursing CCI Certified Nurse Operating Room Syllabus
CNOR dumps questions with Premium PDF and Test Engine

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




CNOR dumps questions : Download 100% Free CNOR practice tests (PDF and VCE)

Exam Number : CNOR
Exam Name : CCI Certified Nurse Operating Room
Vendor Name : Nursing
Update : Click Here to Check Latest Update
Question Bank : Check Questions

Memorize to read CNOR Question Bank before attempting real test
killexams.com is well-known for helping candidates pass the CNOR test on their first attempt. They have earned a high reputation among test braindumps suppliers by maintaining quality standards, regularly updating their CNOR questions bank, and verifying the validity of their CNOR test materials on a regular basis.

In 2024, there were a number of upgrades and changes made to CNOR, and they have kept track of all of them for their Exam Cram. Their updated CNOR braindumps for 2024 are guaranteed to help you succeed in the real exam. They recommend going through the entire dumps questions at least once before taking the real test, not just because they use their boot camp, but because it will Improve your understanding. With their braindumps, people can work as professionals in a real-world setting. Their focus is not only on passing the CNOR test, but also on enhancing knowledge of CNOR courses and objectives, which is the key to success.

At killexams.com, they offer the most latest Nursing CNOR boot camp that are valid and up-to-date, based on the latest CCI Certified Nurse Operating Room syllabus, and are the most effective way to pass the CCI Certified Nurse Operating Room exam. Their goal is to help you become an expert in your organization. They have a reputation for assisting people in passing the CNOR test on their first attempt. Their Exam Cram has consistently performed at the top over the past two years. They owe this success to their CNOR boot camp customers who trust their Exam Cram and VCE for their real CNOR exam. killexams.com is the best place to find real CNOR test questions. They keep their CNOR boot camp valid and up-to-date at all times. These CCI Certified Nurse Operating Room ACTUAL EXAM QUESTIONS will ensure that you pass the test with excellent grades.







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


The Certified Perioperative Nurse (CNOR) credential is the only accredited certification for perioperative registered nurses. Earning the CNOR is a mark of distinction and demonstrates a commitment to upholding the highest standards in patient safety.

CNOR certification assesses the knowledge and skills of a perioperative nurse with a minimum of two years of clinical practice. More than 40,000 nurses internationally hold the CNOR credential and consider the designation a personal and professional accomplishment.



"Age-specific, anatomy & physiology, exam, diagnostic studies, documentation, laboratory results, nursing diagnosis, nursing process, NANDA, Perioperative Nursing Data Set (PNDS), pathophysiology, physical exam, preoperative fasting, vital signs"

"Allergies, complementary/alternative

medicine (CAM), herbs, illegal/illicit drugs, medication reconciliation, pharmacology, recreational drugs side effects"
"Preoperative verification, site

marking, surgical safety checklist, The Joint Commission, time out, wrong site, wrong procedure, wrong person"
"Alternatives, autonomy, benefits, complications, informed consent, patient rights, privacy, respect, risk"
Advance directive, allow natural death (AND), CPR directive, DNR, living will, medical durable power of attorney, Patient Self- Determination Act (PSDA)

"Allergies, analgesia, narcotics, NSAIDS, nonpharmacological interventions, opioids, pain block, pain intensity scales, PCA, pharmacology, regional anesthesia, self-report, signs, symptoms, The Joint Commission"

"Nursing diagnoses, preoperative nursing interventions, patient needs"

"Age-specific, anxiety, behavioral responses, collaboration, comfort, cultural /ethnic diversity,"

"legal/ethical standards, pain management, physiological responses, patient-centered, resources, SCIP protocol, spiritual needs"

"Chemical, radiation, fire, laser, positioning"

"Hand hygiene, PPE, contact, droplet, airborne"

"Hyperthermia, hypothermia, infection control, infection prevention, patient temperature"

"control, perfusion, surgical procedure, wound classification, wound healing"

"Comfort, anxiety, medication, pain management, cultural, ethical, and spiritual needs"

"Body mechanics, chemical, counts, deep vein thrombosis, documentation, ergonomics, equipment, manufacturers instructions for use (IFU), fire, hazardous materials, lead aprons, National Patient Safety Goals, smoke plume, laser, laser goggles, positioning, radiation, tourniquet, Universal Protocol, WHO checklist"

"Patient dignity, modesty, privacy, positioning, skin prep antisepsis"

"Anesthesia agents, labeling, medications, pain management"

"Aseptic technique, expiration date, instruments, package integrity, sterile, surgical products"

"Air exchanges, humidity, noise, room temperature, traffic"

"Documentation, explant, implant, verification"

Autotransfusion, blood products, Continuity of care, hand-off/hand over, interdisciplinary, PACU, transfer of care criteria
"Discharge, regulatory guidelines, wound care"

"Bioburden, biofilm, cleaning, critical item, decontamination, decontamination area, disinfection, documentation, enzymatic cleaner, FDA, germicide, high-level disinfection, loaner instrumentation, low-level disinfection, non-critical item, PPE, semi-critical item, Spaulding classification, ultrasonic cleaner"

Dynamic air removal, gravity displacement, hydrogen peroxide gas plasma sterilization, immediate use sterilization, implants, load, packaging, prevacuum, steam, sterilization

"Biological indicator, Bowie-Dick, chemical indicator, documentation, emulating indicators, load parameters, physical monitor, pressure, temperature, regulations, tracking"

"Controlled conditions, event related, regulatory requirements, shelf life, storage, time related, tracking, transportation, vendors"

"Blood, bloodborne pathogen, chemotherapy drugs, CJD, ETO, glutaraldehyde, radioactive materials"

"Bioburden, biofilm, cleaning, critical item, decontamination, decontamination area, disinfection, documentation, enzymatic cleaner, FDA, germicide, high-level disinfection, loaner instrumentation, low-level disinfection, non-critical item, PPE, semi-critical item, Spaulding classification, ultrasonic cleaner"

Dynamic air removal, gravity displacement, hydrogen peroxide gas plasma sterilization, immediate use sterilization, implants, load, packaging, prevacuum, steam, sterilization

"Biological indicator, Bowie-Dick, chemical indicator, documentation, emulating indicators, load parameters, physical monitor, pressure, temperature, regulations, tracking"

"Controlled conditions, event related, regulatory requirements, shelf life, storage, time related, tracking, transportation, vendors"

"Blood, bloodborne pathogen, chemotherapy drugs, CJD, ETO, glutaraldehyde, radioactive materials"

"Allergy, anaphylactic shock, anaphylaxis, latex free, latex safe, sensitivity, transfusion reaction"

"Advanced cardiac life support, basic life support, cardio- pulmonary resuscitation, ischemia, myocardial infarction"

"Acidosis, calcium, Dantrium, dantrolene sodium, dysrhythmia, hypercarbia, hyperkalemia, hypermetabolic, hyperthermia, tachycardia, trigger"

"Airway obstruction, anoxia, arterial blood gas, aspiration, atelectasis, bronchospasm, difficult airway, hypoxia, laryngospasm, pneumothorax, pulmonary edema, pulmonary embolism"

ARDS, autotransfusion, blunt trauma, DIC, diagnostic tests, DNR, end of life care, MAST, mechanism of injury, multisystem, organ donor, rapid sequence intubation, shock, trauma, traumatic brain injury, triage

Burn, explosion, flammable, fuel, ignition source, oxygen, RACE, PASS, thermal injury
"Allied health care providers, competency, delegation, mentor, management, patient acuity, scope of practice, staff education, supervision, support personnel, UAP"

"Cost containment, environmental consciousness (go green), fiscal responsibility, product evaluation, product selection, recycling, reprocess, resource management, single-use device, supply management"

"Accountability, ethics, family, health care industry representative, loaner instrumentation, patient rights, patient privacy, student, vendor, visitor"

"Biologic implants, PPE, preventive maintenance, room turnover, spills, terminal cleaning"

"Accrediting agency, advocacy, best practice, board of nursing, community standard, evidence- based practice, guidelines, nurse practice act, patient rights, position statement, recommended practices, regulation, regulatory standards,"

"scope of practice, standard, statute"

"Best practice, certification, competency, continuing education, life-long learning, professional organization, self- exam, staff education"

"Audit, best practice, change, evidence-based practice, information literacy, measures, performance improvement, Plan- Do-Study-Act, quality assurance, quality improvement, research, risk management, shared governance"

"Chain of command, collegiality, confidentiality, culture of safety, delegation, ethics, healthy work environment, horizontal violence, just culture, lateral violence, patient advocate, professional growth, professional standards"



Killexams Review | Reputation | Testimonials | Feedback


The shortest questions are included in the CNOR question bank.
killexams.com is the best IT test practice I have ever come across. I passed my EC test without any problems. The questions were not only real but also based on the way EC does it, making it easy to remember the answers during the exam. Though not all questions are 100% equal, many are, and the rest is similar, so if you study the killexams.com material well, you will have no problem sorting it out. It is very cool and useful to IT professionals like myself.


No extra effort is required to pass the CNOR exam.
I had a short desire to obtain killexams.com practice tests as I prepared for the CNOR exam. I was overjoyed to see that the questions displayed were like those from the killexams.com practice test, which were so accurate. This helped me pass the test with ease.


Preparing for the CNOR test is a matter of just a few hours now.
After a long search, I found the precise source I needed. Everyone on the team at killexams.com was cooperative and able. They provided me with excellent materials for CNOR instruction.


Start preparing these CNOR Q&A and relax.
The Q&A provided by killexams.com were extremely useful for professionals like me, and I am grateful for their platform. The revision exercise tests helped me secure an 88% score on the CNOR exam, and I suggest that killexams.com should broaden their reach by creating an android app for people like me who want to practice while on the go.


No time wasted searching the internet! I found a precise source of CNOR Questions and Answers.
After trying several books for test CNOR, I was disappointed with the materials. I needed a well-organized guideline with easy-to-understand content. Killexams.com's Q&A exceeded my expectations and helped me score 89% on the real exam. Thank you, Killexams.com, for your excellent guidance!


Nursing Certified teaching

CNOR Exam

User: Tena*****

I scored 90% in the cnor exam, thanks to the mock test papers from Killexams.com. The explanations for each answer were precise and gave me a real understanding of the test material. I highly recommend using their mock test papers.
User: Taisiya*****

I had a great experience with Killexams.com as my CNOR test preparation partner. Their test Q&A were very useful in helping me pass my exam. Before making a purchase, I contacted customer support, and they showed me that they update their materials almost every day. This ensured that I could rely on the brand-new test material, not outdated e-books that become irrelevant after a week of publishing.
User: Sidor*****

Thanks to the friendly instructors and the CNOR test material and simulator at Killexams.com, I no longer feel alone during exams. Their guidance was available day or night, and I am grateful to them for assisting me in passing my difficult exam.
User: Nikita*****

The killexams.com team offers a valuable dumps questions with practice tests, and I was able to pass the cnor test with a 95% score thanks to them. The question banks were very useful for me, and their mock tests were instrumental in my success.
User: Oxana*****

I had only 12 days to prepare for the cnor exam, and I was feeling overwhelmed. I needed a smooth and powerful guide urgently, and Killexams.com was the answer. Their brief answers were easy to finish within 15 days. During the real exam, I managed to score 88% and answered 90% of the questions just like the pattern papers that they provided. I am truly grateful to Killexams.com for their help.

CNOR Exam

Question: How much CNOR test fee?
Answer: You can see all the CNOR 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 CNOR dumps questions that will greatly help you pass the exam. You can see the cost at https://killexams.com/exam-price-comparison/CNOR You can also use a discount coupon to further reduce the cost. Visit the website for the latest discount coupons.
Question: If there is any issue in software installation, who should I contact?
Answer: You should first go through FAQ at https://killexams.com/faq for information about software installation. If you do not find the required assistance, you can contact support via live chat or email.
Question: How does killexams ensure works?
Answer: Yes. Killexams has a very good ensure policy to back up the products. First of all, you will not fail the exam. If in case, you fail the exam, you can get your money back for a replacement exam. It is your choice.
Question: There are several websites providing CNOR dumps, which I should select?
Answer: Killexams.com is the best place to get updated CNOR questions questions. These CNOR questions work in the real test. You will pass your test with these CNOR test prep. If you supply some time to study, you can prepare for an test with much boost in your knowledge. They recommend spending as much time as you can to study and practice CNOR practice test until you are sure that you can answer all the questions that will be asked in the real CNOR exam. For this, you should visit killexams.com and register to download the complete dumps questions of CNOR test test prep. These CNOR test questions are taken from real test sources, that's why these CNOR test questions are sufficient to read and pass the exam. Although you can use other sources also for improvement of knowledge like textbooks and other aid material these CNOR questions are sufficient to pass the exam.
Question: Are CNOR questions updated daily?
Answer: It depends on the vendor that takes the test, like Cisco, IBM, HP, CompTIA, and all others. There is no set frequency in which CNOR test is changed. The vendor can change the CNOR test questions any time they like. But when test questions are changed, they update their PDF and VCE accordingly. Their team keeps on checking updates of the CNOR exam. When test questions are changed in real CNOR tests, they update their PDF and VCE accordingly. There is no set frequency in which CNOR test is changed. The vendor can change the CNOR test questions any time they like.
Nursing+Certified+teaching
https://www.pass4surez.com/art/read.php?keyword=Nursing+Certified+teaching&lang=us&links=remove



Unquestionably it is hard assignment to pick dependable certification questions/answers assets regarding review, reputation and validity since individuals get sham because of picking incorrectly benefit. Killexams.com ensure to serve its customers best to its assets concerning ACTUAL EXAM QUESTIONS update and validity. The vast majority of other's sham report dissension customers come to us for the brain dumps and pass their exams joyfully and effortlessly. They never trade off on their review, reputation and quality on the grounds that killexams review, killexams reputation and killexams customer certainty is imperative to us. Uniquely they deal with killexams.com review, killexams.com reputation, killexams.com sham report objection, killexams.com trust, killexams.com validity, killexams.com report and killexams.com scam. On the off chance that you see any false report posted by their rivals with the name killexams sham report grievance web, killexams.com sham report, killexams.com scam, killexams.com protest or something like this, simply remember there are constantly awful individuals harming reputation of good administrations because of their advantages. There are a huge number of fulfilled clients that pass their exams utilizing killexams.com brain dumps, killexams PDF questions, killexams hone questions, killexams test simulator. Visit Killexams.com, their specimen questions and test brain dumps, their test simulator and you will realize that killexams.com is the best brain dumps site.

Which is the best practice tests website?
Of course, Killexams is 100 % legit along with fully dependable. There are several features that makes killexams.com realistic and authentic. It provides up to par and 100 % valid test questions made up of real exams questions and answers. Price is suprisingly low as compared to a lot of the services online. The Q&A are kept up to date on ordinary basis through most latest questions. Killexams account arrangement and item delivery is very fast. Data downloading is usually unlimited and very fast. Aid is avaiable via Livechat and Email address. These are the features that makes killexams.com a sturdy website which provide test prep with real exams questions.



Is killexams.com test material dependable?
There are several Q&A provider in the market claiming that they provide real 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 2024 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. test questions provided by killexams.com are Reliable, Up-to-date and validated by Certified Professionals. They maintain dumps questions of valid Questions that is kept up-to-date by checking update on daily basis.

If you want to Pass your test Fast with improvement in your knowledge about latest course contents and courses of new syllabus, They recommend to download PDF test 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 Q&A will be provided in your download Account. You can download Premium practice test files as many times as you want, There is no limit.

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




VCS-285 test prep | CIMAPRA17-BA4-1-ENG dumps questions | IOS-158 practice questions | CSWIP free questions | IELTS practice test | ACD100 test answers | JN0-451 practice questions | CBDCE-CDCES test tips | ABPANC-CPAN english test questions | 050-730 writing test questions | 1Y0-403 Free test PDF | CCSP questions answers | PCNS-BC online test | AFE practice questions | CBBF mock test | ITS-210 test test | AACN-CNL test prep | MTEL test Questions | JN0-413 mock test | DASM test prep |


CNOR - CCI Certified Nurse Operating Room course outline
CNOR - CCI Certified Nurse Operating Room test Cram
CNOR - CCI Certified Nurse Operating Room PDF Download
CNOR - CCI Certified Nurse Operating Room guide
CNOR - CCI Certified Nurse Operating Room questions
CNOR - CCI Certified Nurse Operating Room PDF download
CNOR - CCI Certified Nurse Operating Room real Questions
CNOR - CCI Certified Nurse Operating Room PDF download
CNOR - CCI Certified Nurse Operating Room Practice Questions
CNOR - CCI Certified Nurse Operating Room test cram
CNOR - CCI Certified Nurse Operating Room test
CNOR - CCI Certified Nurse Operating Room test questions
CNOR - CCI Certified Nurse Operating Room test Cram
CNOR - CCI Certified Nurse Operating Room answers
CNOR - CCI Certified Nurse Operating Room teaching
CNOR - CCI Certified Nurse Operating Room testing
CNOR - CCI Certified Nurse Operating Room test cram
CNOR - CCI Certified Nurse Operating Room certification
CNOR - CCI Certified Nurse Operating Room teaching
CNOR - CCI Certified Nurse Operating Room exam
CNOR - CCI Certified Nurse Operating Room test prep
CNOR - CCI Certified Nurse Operating Room test Cram
CNOR - CCI Certified Nurse Operating Room testing
CNOR - CCI Certified Nurse Operating Room study tips
CNOR - CCI Certified Nurse Operating Room premium pdf
CNOR - CCI Certified Nurse Operating Room exam
CNOR - CCI Certified Nurse Operating Room Free PDF
CNOR - CCI Certified Nurse Operating Room test
CNOR - CCI Certified Nurse Operating Room test Questions
CNOR - CCI Certified Nurse Operating Room testing
CNOR - CCI Certified Nurse Operating Room information source
CNOR - CCI Certified Nurse Operating Room information search
CNOR - CCI Certified Nurse Operating Room test prep
CNOR - CCI Certified Nurse Operating Room PDF Questions
CNOR - CCI Certified Nurse Operating Room study tips
CNOR - CCI Certified Nurse Operating Room test Cram
CNOR - CCI Certified Nurse Operating Room techniques
CNOR - CCI Certified Nurse Operating Room test Questions
CNOR - CCI Certified Nurse Operating Room test syllabus
CNOR - CCI Certified Nurse Operating Room PDF download
CNOR - CCI Certified Nurse Operating Room exam
CNOR - CCI Certified Nurse Operating Room Latest Topics
CNOR - CCI Certified Nurse Operating Room test questions
CNOR - CCI Certified Nurse Operating Room test questions

Other Nursing Practice Tests


RNC-OB prep questions | AGACNP-BC writing test questions | CRNE study guide | PMHNP-BC pdf questions | HANCB-ACRN test Questions | ABOHN-COHN-S test questions | INCC-CRNI free pdf | ACCNS-N trial test | WOCNCB-CCCN mock questions | ANCB-CARN cbt | ACA-CCN free online test | CGFNS online exam | NPD-BC test answers | FNCB-GFN-C VCE | AMWA-MWC Real test Questions | NNCC-CCHT-A study guide | ENP-BC test cram | BONENT-CPDN download | C-NPT prep questions | FNCB-AFN-C test tips |


Best practice tests You Ever Experienced


NREMT-PTE assessment test sample | PL-500 mock questions | QSSA2023 Latest Topics | PEGAPCSA87V1 bootcamp | 630-008 free pdf | 3V0-32.21 study guide | MS-600 pdf exam | CDL test papers | MORF test Questions | C1000-142 VCE | IOS-158 pdf study guide | AGACNP-BC online exam | S10-110 test questions | DES-6322 Practice Questions | 156-115.80 Study Guide | CPEA test sample | PMI-100 pdf download | 250-428 online exam | CDCA-ADEX free online test | API-570 free practice tests |





References :


http://killexams-braindumps.blogspot.com/2020/06/download-and-save-cnor-practice.html
https://killexams-posting.dropmark.com/817438/23697227
https://www.instapaper.com/read/1321505518
https://killexams-posting.dropmark.com/817438/23768923
http://feeds.feedburner.com/PassingTheCnorExamIsSimpleWithKillexamscom
https://youtu.be/tUgArWFKPLU
https://www.coursehero.com/file/76743502/Certified-Nurse-Operating-Room-CNORpdf/
http://killexamsbraindumps2.isblog.net/cnor-certified-nurse-operating-room-real-exam-questions-by-killexams-com-14623885
https://sites.google.com/view/killexams-cnor-boot-camp
https://files.fm/f/b48unedsn



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






Direct Download

CNOR 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.

CNOR Reviews

100% Valid and Up to Date CNOR 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