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 INBDE?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der INBDE: Integrated National Board Dental Examination (Day 1 exam) Prüfung.

2024 Updated Actual INBDE questions as experienced in Test Center

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

E html>

Medical INBDE : Integrated National Board Dental exam (Day 1 exam) Practice Tests

Practice Tests Organized by Shahid nazir



Latest 2024 Updated Medical Integrated National Board Dental exam (Day 1 exam) Syllabus
INBDE 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




INBDE examcollection : Download 100% Free INBDE practice tests (PDF and VCE)

Exam Number : INBDE
Exam Name : Integrated National Board Dental exam (Day 1 exam)
Vendor Name : Medical
Update : Click Here to Check Latest Update
Question Bank : Check Questions

Anyone can pass INBDE exam with their Mock Exam and Practice Test
All their INBDE Study Guides, Exam Questions, Actual Questions, Exam Cram, Cram Guide, Exam Cram are fully tested before they provide them for get at killexams.com. You can get a 100% free trial of Practice Test before making a purchase. They certain that their INBDE Exam Questions are valid, updated, and the latest.

Our PDF dumps have helped many competitors breeze through the INBDE test with ease. It is extremely rare for their users to study their INBDE materials and receive poor scores or fail the real test. In fact, most competitors report a significant improvement in their knowledge and pass the INBDE test on their first attempt. Their INBDE materials not only help you pass the test but also Boost your understanding of the test objectives and topics, allowing you to excel in your role as an expert in your field. This is why their clients trust us and recommend their INBDE materials to others.

To successfully pass the Medical INBDE test, you need to have a clear understanding of the course outline, exam syllabus, and objectives. Simply studying the INBDE coursebook is not enough. You need to familiarize yourself with the unique questions asked in the real INBDE tests. For this, you should visit killexams.com and get their Free INBDE demo test questions. Once you are confident in your ability to recall these INBDE questions, you can enroll to get the complete Free PDF of INBDE Pass Guides. This will be your first major step towards success. After downloading and installing the VCE test simulator on your computer, study and memorize their INBDE Pass Guides and take regular practice tests with the VCE test simulator. When you feel that you are ready for the real INBDE test, visit the testing center and register for the real exam.







INBDE exam Format | INBDE Course Contents | INBDE Course Outline | INBDE exam Syllabus | INBDE exam Objectives


Exam Code : INBDE

Exam Name : Integrated National Board Dental exam 2022



The INBDE is a two-day examination administered on a computer. Day 1 consists of 360 test items (3 sets of 100 standalone items, 1 set of 60 case questions). Day 2 includes 140 test items (2 sets of 70 case questions).



The INBDE is an examination foreign-trained dentists must take and pass in order to earn admission into any advanced standing programs in the US dental schools. This article is a COMPLETE GUIDE TO THE INBDE and the necessary steps required, questions usually asked, study material which students find helpful etc for the INBDE examination. It is a crucial step forward which is a must for all international dentists seeking to be dentists in the US.



The INBDE is designed to be scored as a pass or fail test, and numerical scores are not provided to candidates. Though scores are not given, the exams attempt is definitely counted and appears in the final report. It is always better to pass these competitive exams on the first attempt, as candidates with multiple attempts will definitely be at a disadvantage when applying to competitive schools. Most schools do keep in mind the number of attempts needed to clear the exam. Hence, it is good to attempt the test when thoroughly prepared to avoid a failed attempt.



NBDE exam Covers following syllabus:



- Cell, Embryology & Histology, Tissue, General Anatomy of Muscles and Muscles of Head & Neck

- Basic anatomy about blood vessels, Arterial & Venous supply of Head and Neck, Thorax & Abdomen, Heart, Lymphatic system

- General anatomy of bone, joints, head and neck osteology, TMJ, Brain, nervous system, cranial nerves

- Mouth, pharynx, larynx, tooth development, tooth histology, PDL, Gingiva

- Dental anatomy terminology, Notation systems, chronology of dentition

- Primary dentition, permanent dentition

- Development of dental occlusion, terminology & concepts of occlusion, movements of mandible position

- Development of tooth, histology of tooth (Enamel, Dentin, cementum, pulp), Histology of oral structures (PDL, gingiva, oral mucous membrane)

- Carbohydrates, enzymes, lipids, DNA, RNA

- Proteins, Vitamins, minerals

- Blood, heart, CVS, GIT, Endocrine system, Reproductory system

- Lungs, respiratory system, kidneys, urinary system, nerves, ANS, CNS, Special sensory organs

- Inflammation, necrosis, blood disorders, heart disorders, bone disorders

- Kidney disease, liver disease, lung disorders, neoplasms, syndromes

- Sterilization and disinfection, bacteriology, immunology

- Virology, mycology, parasitology, vaccines

- Oral Diagnosis, Oral Surgery/Pain Control, Pharmacology



Killexams Review | Reputation | Testimonials | Feedback


Do not waste your time looking; simply get these INBDE questions from the real test.
I was in a rush to pass the INBDE exam because I needed to submit my INBDE certificates. I searched for online help and stumbled upon killexams.com. I was so impressed with the site that I forgot what I was doing. Thankfully, killexams.com helped me pass my test.


Need something for quick preparation for the INBDE test.
Using both killexams.com mock exam material and INBDE exam Simulator was beneficial for me as it helped me pass the INBDE exam without any difficulty. The materials aided me in identifying my weaknesses, allowing me to Boost my knowledge and spend adequate time on specific topics, which ultimately aided my exam preparation. Best of luck to you.


Happy to hear that real exam questions for the updated INBDE exam are available.
I used to spend most of my time browsing the web, but it was not all in vain because it led me to killexams.com before my EC exam. Coming here was the best thing that happened to me as it helped me study well and put up a good performance in my exams.


Outstanding material with great INBDE practice tests and correct answers.
I chose to use killexams.com because I not only wanted to pass the INBDE exam but also wanted to score high and leave a good impression on everyone. To achieve this goal, I needed an outstanding resource, and killexams.com was willing to provide it to me. I studied using INBDE questions from this platform and obtained high-quality scores in the exam.


I found an accurate source for real INBDE latest practice tests and question bank.
As the EC exam dates approached, I began to feel increasingly fearful and nervous. However, killexams.com proved to be an invaluable partner and provided tremendous support. If you need high-quality EC practice test, killexams.com is the ultimate solution and your last resort. Their practice questions are excellent and of the highest quality, and I recommend them with complete confidence. Initially, I was unsure about the Practice Tests, but killexams.com proved me wrong, and their practice questions were of tremendous use, enabling me to score Good Score in the exam.


Medical exam) Free PDF

INBDE Exam

User: Felipe*****

After registering with Killexams.com, I joined the ranks of awesome college students and was ranked very highly among my peers. The practice tests provided by Killexams.com are highly recommended as they are valid and updated for practice through inbde practice tests PDF and exam simulator. I am glad to write these words of appreciation as Killexams.com deserves it. Thanks for providing such a helpful tool.
User: James*****

I found your materials to be extremely useful and was able to score 82% in the INBDE exam with just five days of preparation. The ability to get the materials in PDF format provided me with a convenient way to practice effectively, along with the online tests, which did not have a limited attempt restriction. The answers provided to each question were 100% accurate, which I appreciate greatly. Thank you so much for your assistance.
User: Malak*****

Based on my experience, I can attest that solving practice questions can help you crack the exam. Fortunately, Killexams.com offers very effective test materials, making it a useful and practical website. I express my gratitude to the Killexams team.
User: Margaret*****

The client brain support specialists were also a great help, as they were always available through live chat to tackle even the smallest issues. Their advice and clarifications were significant, and I was able to pass my INBDE Security exam on my first attempt using Killexams.com practice tests course. The exam simulator provided by Killexams.com was also excellent. I am extremely pleased to have chosen Killexams.com INBDE course, as it helped me achieve my objectives.
User: Emilia*****

Obtaining a certificate offers many career advancement opportunities. I wanted to develop my knowledge and become certified. I chose to seek help from the platform and began my exam education through their exam cram. The exam cram made memorizing the certificate material easy for me and helped me achieve my desired results. I can confidently say that I would not have passed my exam on the first try without the platform.

INBDE Exam

Question: Where to sign up for INBDE exam?
Answer: You can signup or register at killexams.com by choosing the exam that you want to pass. You need not signup, just add the exam to the cart and go through the payment procedure. Your account will be automatically created and you will receive your login details by email. Killexams.com is the right place to get the latest and up-to-date INBDE questions that work great in the real INBDE test. These INBDE questions are carefully collected and included in INBDE question bank. You can register at killexams and get the complete question bank. Practice with INBDE exam simulator and get Good Score in the exam.
Question: Can you believe, all INBDE questions I read have been asked?
Answer: Yes, all the questions belong to the real INBDE question bank, so they appear in the real exam and you experience the exam lot easier than without these INBDE questions.
Question: Which is better, Killexams INBDE PDF dumps or killexams exam Simulator?
Answer: Killexams INBDE PDF and VCE use the same pool of questions so If you want to save money and still want the latest INBDE mock exam you can select INBDE PDF. Killexams.com is the right place to get the latest and up-to-date INBDE questions that work great in the real INBDE test. These INBDE questions are carefully collected and included in INBDE question bank.
Question: What will I do if my killexams account expires?
Answer: You should contact support to get a discount coupon for an account extension. You can extend your account at a very cheap price. The extension could be for 3 months, 6 months, or 1 year. If you like to extend for a single month, you can get it at the cheapest price.
Question: Can I obtain test prep questions bank of INBDE exam?
Answer: Yes Of course. Killexams is the best source of INBDE exam examcollection with valid and latest test prep. You will be able to pass your INBDE exam easily with these INBDE practice test.
Medical+exam%29+Free+PDF
https://www.pass4surez.com/art/read.php?keyword=Medical+exam%29+Free+PDF&lang=us&links=remove

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

Which is the best practice tests website?
Indeed, Killexams is fully legit and even fully trustworthy. There are several attributes that makes killexams.com realistic and legitimized. It provides up-to-date and fully valid exam questions containing real exams questions and answers. Price is really low as compared to the vast majority of services online. The mock exam are kept up to date on normal basis using most recent questions. Killexams account arrangement and products delivery is amazingly fast. Record downloading is certainly unlimited and fast. Assistance is avaiable via Livechat and Electronic mail. These are the characteristics that makes killexams.com a sturdy website that include exam prep with real exams questions.



Is killexams.com test material dependable?
There are several mock exam provider in the market claiming that they provide 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 get sites or reseller sites. Thats why killexams.com update exam mock exam with the same frequency as they are updated in Real Test. exam questions provided by killexams.com are Reliable, Up-to-date and validated by Certified Professionals. They maintain 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 get 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 exam will be provided in your get Account. You can get Premium practice questions files as many times as you want, There is no limit.

Killexams.com has provided VCE practice questions 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.




Servicenow-CAD mock questions | Firefighter free practice questions | BEC free prep | 050-701 practice exam | HPE6-A82 mock test | QV_Developer_11 practice questions | PCSAE examcollection | HCE-3700 free pdf | PEGAPCLSA86V2 Latest Questions | NSE5_FSM-6.3 PDF get | CBAP get | CPNP-PC test example | CLSSYB free practice tests | GB0-391 demo test questions | CCCP-001 writing test questions | AZ-120 practical test | DAT exam Cram | S90.03A questions answers | NCS-Core exam tips | 050-SEPROSIEM-01 free questions |


INBDE - Integrated National Board Dental Examination (Day 1 exam) Practice Test
INBDE - Integrated National Board Dental Examination (Day 1 exam) exam Cram
INBDE - Integrated National Board Dental Examination (Day 1 exam) exam syllabus
INBDE - Integrated National Board Dental Examination (Day 1 exam) techniques
INBDE - Integrated National Board Dental Examination (Day 1 exam) teaching
INBDE - Integrated National Board Dental Examination (Day 1 exam) real Questions
INBDE - Integrated National Board Dental Examination (Day 1 exam) study help
INBDE - Integrated National Board Dental Examination (Day 1 exam) Latest Questions
INBDE - Integrated National Board Dental Examination (Day 1 exam) learn
INBDE - Integrated National Board Dental Examination (Day 1 exam) information source
INBDE - Integrated National Board Dental Examination (Day 1 exam) certification
INBDE - Integrated National Board Dental Examination (Day 1 exam) exam Questions
INBDE - Integrated National Board Dental Examination (Day 1 exam) Question Bank
INBDE - Integrated National Board Dental Examination (Day 1 exam) education
INBDE - Integrated National Board Dental Examination (Day 1 exam) information hunger
INBDE - Integrated National Board Dental Examination (Day 1 exam) information hunger
INBDE - Integrated National Board Dental Examination (Day 1 exam) Free exam PDF
INBDE - Integrated National Board Dental Examination (Day 1 exam) Practice Questions
INBDE - Integrated National Board Dental Examination (Day 1 exam) book
INBDE - Integrated National Board Dental Examination (Day 1 exam) test prep
INBDE - Integrated National Board Dental Examination (Day 1 exam) Questions and Answers
INBDE - Integrated National Board Dental Examination (Day 1 exam) Question Bank
INBDE - Integrated National Board Dental Examination (Day 1 exam) information hunger
INBDE - Integrated National Board Dental Examination (Day 1 exam) cheat sheet
INBDE - Integrated National Board Dental Examination (Day 1 exam) information hunger
INBDE - Integrated National Board Dental Examination (Day 1 exam) practice tests
INBDE - Integrated National Board Dental Examination (Day 1 exam) testprep
INBDE - Integrated National Board Dental Examination (Day 1 exam) exam success
INBDE - Integrated National Board Dental Examination (Day 1 exam) teaching
INBDE - Integrated National Board Dental Examination (Day 1 exam) exam
INBDE - Integrated National Board Dental Examination (Day 1 exam) PDF questions
INBDE - Integrated National Board Dental Examination (Day 1 exam) learn
INBDE - Integrated National Board Dental Examination (Day 1 exam) Question Bank
INBDE - Integrated National Board Dental Examination (Day 1 exam) testing
INBDE - Integrated National Board Dental Examination (Day 1 exam) PDF download
INBDE - Integrated National Board Dental Examination (Day 1 exam) test
INBDE - Integrated National Board Dental Examination (Day 1 exam) study help
INBDE - Integrated National Board Dental Examination (Day 1 exam) exam cram
INBDE - Integrated National Board Dental Examination (Day 1 exam) outline
INBDE - Integrated National Board Dental Examination (Day 1 exam) exam cram
INBDE - Integrated National Board Dental Examination (Day 1 exam) Practice Test
INBDE - Integrated National Board Dental Examination (Day 1 exam) real questions
INBDE - Integrated National Board Dental Examination (Day 1 exam) information search
INBDE - Integrated National Board Dental Examination (Day 1 exam) Test Prep

Other Medical Practice Tests


DHORT practice exam | COMLEX-USA free pdf | NCBTMB free pdf download | RPFT exam Questions | VACC exam Questions | NCPT pdf study guide | NPTE exam questions | NCCT-TSC free pdf | AEMT pdf questions | PANRE exam questions | CPM free prep | INBDE Study Guide | ACLS test prep questions | GP-MCQS study guide | DANB free questions | Podiatry-License-Exam-Part-III practice exam | CCP test example | VTNE Real exam Questions | CDCA-ADEX pdf download | BMAT cbt |


Best practice tests You Ever Experienced


SOFE-AFE study guide | ABEM-EMC mock exam | 2B0-202 test exam | BCB-Analyst boot camp | MB-300 practice questions | H13-523 exam Questions | 2V0-71.21 exam papers | MS-740 model question | ABPANC-CAPA test prep | HPE0-V15 mock test | CQIA online exam | ACP-Sec1 free pdf | 156-560 practice test | HQT-4180 practice questions | 3X0-101 exam prep | NCCHC-CCHP practice exam | GRE demo questions | FBA15 mock questions | E22-106 bootcamp | 920-552 test prep |





References :





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






Direct Download

INBDE 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.

INBDE Reviews

100% Valid and Up to Date INBDE 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