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 1V0-31.21?
Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der 1V0-31.21: Associate VMware Cloud Management Automation (VCTA-CMA) Prüfung.
2025 Updated Actual 1V0-31.21 questions as experienced in Test Center
Aktuelle 1V0-31.21 Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz
![]() Vmware 1V0-31.21 : Associate VMware Cloud Management Automation (VCTA-CMA) Practice TestsPractice Tests Organized by Martin Hoax |
Latest 2025 Updated Vmware Associate VMware Cloud Management Automation (VCTA-CMA) Syllabus
1V0-31.21 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
1V0-31.21 examcollection : Download 100% Free 1V0-31.21 practice tests (PDF and VCE)
Exam Number : 1V0-31.21
Exam Name : Associate VMware Cloud Management Automation (VCTA-CMA)
Vendor Name : Vmware
Update : Click Here to Check Latest Update
Question Bank : Check Questions
Newly update content 1V0-31.21 Study Guides with free Mock Exam download
Our comprehensive 1V0-31.21 PDF Download includes a complete pool of 1V0-31.21 questions and answers, carefully vetted and validated with references and explanations (where applicable). Their goal is not just to help you pass the Associate VMware Cloud Management Automation (VCTA-CMA) test on the first attempt, but also to Excellerate your overall knowledge of the 1V0-31.21 test topics.
To avoid wasting your time and money on invalid and outdated 1V0-31.21 Exam Questions, it is important to research and find a valid and up-to-date supplier. However, if you do not want to spend time on research, you can trust killexams.com. They offer 100% free 1V0-31.21 Exam Questions test questions that you can obtain and be satisfied with. Additionally, by registering on their website, you can get a 3-month account to obtain the latest and valid 1V0-31.21 Exam Questions with genuine exam questions and answers. It is also recommended to obtain the 1V0-31.21 VCE exam simulator for training.
You can obtain the 1V0-31.21 Exam Questions PDF on any device, such as an iPad, iPhone, PC, smart TV, or Android device, to read and memorize the questions and answers. Spending a good amount of time memorizing and taking practice tests with the VCE exam simulator will help you remember the questions and answer them correctly during the real 1V0-31.21 exam. It is crucial to recognize these questions in the genuine exam in order to receive better marks. Therefore, it is highly encouraged to practice well before the real 1V0-31.21 exam to Excellerate your chances of success.

1V0-31.21 exam Format | 1V0-31.21 Course Contents | 1V0-31.21 Course Outline | 1V0-31.21 exam Syllabus | 1V0-31.21 exam Objectives
Killexams Review | Reputation | Testimonials | Feedback
There is no cheaper source than these 1V0-31.21 mock test practice tests available.
I have been using killexams.com for years and I have always found their IT exam material to be dependable. This was also true for the 1V0-31.21 exam, which I passed using killexams.com's questions/answers and exam simulator. Everything people say about their material is right: the questions are actual, it is a completely reliable braindump, and definitely valid. I have heard great things about their customer service, but I personally never had any issues that required me to contact them. The quality is high.
Just try these genuine test questions, and success will be yours.
I recently passed my 1V0-31.21 affirmation test with the help of killexams.com mock test and exam Simulator. These are great items to shop for, and they helped me to understand the material effectively and quickly. I was stunned to see how terrific they were at their administrations. I want to express my gratitude for the notable item that you provided me with, which aided me in the association and use of the test.
Take advantage of the latest 1V0-31.21 practice tests; use these questions to ensure your success.
Hats off to the fine 1V0-31.21 exam practice choice! I passed my 1V0-31.21 exam last week, thanks to this set of exam mock test from killexams.com. Their customer service confirmed that they update all tests almost every day, which justifies purchasing their exam Practice Tests. I trust that I can depend on today's exam materials and not some e-book that may become obsolete every week after it is published. This is a satisfactory exam preparation option, and I plan to expand my certification portfolio using killexams.com as my fundamental practice resource.
Where can I obtain free 1V0-31.21 exam practice tests and questions?
I almost gave up on the 1V0-31.21 exam because I lacked confidence in passing it. With just a week left, I decided to switch to killexams.com practice tests for my exam preparation. The subjects that I had been avoiding became much more amusing to me, and the clear and concise approach of the killexams.com material made studying much easier. With the help of the killexams.com Questions and Answers, I was assured that I could pass my exam, and I did so with flying colors.
I need updated practice tests for the 1V0-31.21 exam.
With only two weeks to go before my 1V0-31.21 exam, I felt helpless considering my terrible coaching. I needed to pass the test badly as I wished to exchange my job. Finally, I located the question and answers by using killexams.com, which removed my issues. The content of the guide was rich and specific, and the simple and short answers helped make out the subjects effortlessly. Great guide, killexams.com.
Vmware Cloud exam Cram
1V0-31.21 Exam
User: Agustina*****![]() ![]() ![]() ![]() ![]() Killexams.com helped me to pass the 1v0-31.21 exam with ease. The mock test were comprehensive and customized to meet my needs. I scored 92%, which was impressive considering my initial planning and my belief that the subjects were tough. I thank Killexams.com for their assistance. |
User: Stepan*****![]() ![]() ![]() ![]() ![]() Before using killexams.com, I was very disappointed as I did not have enough time to prepare for the 1V0-31.21 exam due to my daily routine work. I had to spend a lot of time traveling from my home to my work region. However, killexams.com changed my life, and I was able to prepare for the 1V0-31.21 exam easily using my computer. Their resources are dependable and excellent. |
User: Benicio*****![]() ![]() ![]() ![]() ![]() Every morning, I would put on my jogging shoes and head out for a run to get some fresh air and feel energized. However, on the day before my 1v0-31.21 exam, I did not feel like running at all because I was so anxious about failing. I found what I needed to energize me, and it was not running, it was Killexams.com, which provided me with a pool of educational resources that helped me achieve good scores on my exam. |
User: Théo*****![]() ![]() ![]() ![]() ![]() Passing the 1V0-31.21 exam was made easy with the brief and easy language used in the materials, without the need to memorize. With killexams.com brain dump practice tests as my guide, I was able to finish my training in just three weeks and passed the exam with 88% marks. The smooth guide was exactly what I needed as complex language made me sleepy, and the long content of the books was a hassle. Thank you, killexams.com, for making my day. |
User: Makara*****![]() ![]() ![]() ![]() ![]() In conclusion, the mock test provided by killexams.com helped me understand exactly what to expect from the Vmware 1V0-31.21 exam. I completed all the questions in the exam in 80 minutes, thanks to my preparation within ten days using their material. It covers the exam syllabus comprehensively, making memorization of all syllabus an easy task, and it even helped me manage my time effectively during the exam. Overall, it is an excellent resource. |
1V0-31.21 Exam
Question: How long it takes to setup killexams account? Answer: Killexams take just 5 to 10 minutes to set up your online obtain account. It is an automatic process and completes in very little time. When you complete your payment, their system starts setting up your account within no time and it takes less than 5 minutes. You will receive an email with your login information immediately after your account is setup. You can then login and obtain your exam files. |
Question: I have taken Instructor training, do I still need 1V0-31.21 test prep? Answer: Killexams recommend these 1V0-31.21 questions to memorize before you go for the genuine exam because this 1V0-31.21 examcollection contains an up-to-date and 100% valid 1V0-31.21 examcollection with a new syllabus. Killexams has provided the shortest 1V0-31.21 questions for busy people to pass 1V0-31.21 exam without memorizing massive course books. If you go through these 1V0-31.21 questions, you are more than ready to take the test. They recommend taking your time to study and practice 1V0-31.21 practice exam until you are sure that you can answer all the questions that will be asked in the genuine 1V0-31.21 exam. For a full version of 1V0-31.21 test prep, visit killexams.com and register to obtain the complete examcollection of 1V0-31.21 exam test prep. These 1V0-31.21 exam questions are taken from genuine exam sources, that's why these 1V0-31.21 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 1V0-31.21 questions are sufficient to pass the exam. |
Question: Does Killexams certain for its 1V0-31.21 test prep? Answer: Yes, Sure. Killexams.com guarantees its 1V0-31.21 exam test prep. You will surely pass your exam with these practice test, otherwise, you will get your money back. |
Question: Which is the best 1V0-31.21 exam questions website? Answer: Killexams.com is the best 1V0-31.21 exam questions provider. Killexams 1V0-31.21 examcollection contains up-to-date and 100% valid 1V0-31.21 examcollection with the new syllabus. Killexams has provided the shortest 1V0-31.21 questions for busy people to pass 1V0-31.21 exam without memorizing massive course books. If you go through these 1V0-31.21 questions, you are more than ready to take the test. They recommend taking your time to study and practice 1V0-31.21 practice exam until you are sure that you can answer all the questions that will be asked in the genuine 1V0-31.21 exam. For a full version of 1V0-31.21 test prep, visit killexams.com and register to obtain the complete examcollection of 1V0-31.21 exam test prep. These 1V0-31.21 exam questions are taken from genuine exam sources, that's why these 1V0-31.21 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 1V0-31.21 questions are sufficient to pass the exam. |
Question: Where will I find exact mock test of 1V0-31.21 exam? Answer: Killexams online account is the best place where you can obtain up-to-date and latest 1V0-31.21 test prep questions. Killexams recommend these 1V0-31.21 questions to memorize before you go for the genuine exam because this 1V0-31.21 examcollection contains to date and 100% valid 1V0-31.21 examcollection with the new syllabus. Killexams has provided the shortest 1V0-31.21 questions for busy people to pass 1V0-31.21 exam without memorizing massive course books. If you go through these 1V0-31.21 questions, you are more than ready to take the test. They recommend taking your time to study and practice 1V0-31.21 practice exam until you are sure that you can answer all the questions that will be asked in the genuine 1V0-31.21 exam. For a full version of 1V0-31.21 test prep, visit killexams.com and register to obtain the complete examcollection of 1V0-31.21 exam test prep. These 1V0-31.21 exam questions are taken from genuine exam sources, that's why these 1V0-31.21 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 1V0-31.21 questions are sufficient to pass the exam. |
https://www.pass4surez.com/art/read.php?keyword=Vmware+Cloud+Exam+Cram&lang=us&links=remove
While it is very hard task to choose reliable certification questions / answers resources with respect to review, reputation and validity because people get ripoff due to choosing wrong service. Killexams.com make it sure to serve its clients best to its resources with respect to exam questions update and validity. Most of other's ripoff report complaint clients come to us for the brain dumps and pass their exams happily and easily. They never compromise on their review, reputation and quality because killexams review, killexams reputation and killexams client confidence is important to us. Specially they take care of killexams.com review, killexams.com reputation, killexams.com ripoff report complaint, killexams.com trust, killexams.com validity, killexams.com report and killexams.com scam. The same care that they take about killexams review, killexams reputation, killexams ripoff report complaint, killexams trust, killexams validity, killexams report and killexams scam. If you see any false report posted by their competitors with the name killexams ripoff report complaint internet, killexams ripoff report, killexams 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 thousands of satisfied customers that pass their exams using killexams.com brain dumps, killexams PDF questions, killexams practice questions, killexams exam simulator. Visit Their demo 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 tests website?
Indeed, Killexams is totally legit and fully reliable. There are several capabilities that makes killexams.com traditional and legit. It provides current and totally valid exam questions comprising real exams questions and answers. Price is minimal as compared to the majority of the services online. The mock test are up to date on standard basis utilizing most recent questions. Killexams account make and device delivery is incredibly fast. Data downloading is usually unlimited and extremely fast. Help support is avaiable via Livechat and Email. These are the features that makes killexams.com a strong website that come with 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 genuine 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 2025 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 genuine exam. When you feel that you should register for Premium Version, Just choose visit killexams.com and register, you will receive your Username/Password in your Email within 5 to 10 minutes. All the future updates and changes in mock test will be provided in your obtain Account. You can obtain Premium practice exam files as many times as you want, There is no limit.
Killexams.com has provided VCE practice exam 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 genuine Test. Go register for Test in Test Center and Enjoy your Success.
S2000-018 Latest syllabus | EUCOC test questions | S2000-012 free practice exam | ACNP-BC Real exam Questions | INCC-CRNI practice questions | D-UN-DY-23 test prep | HPE6-A69 mock test | 920-805 certification demo | HCE-5920 pass marks | Marketing-Cloud-Consultant Study help | ABOHN-COHN-S exam answers | 050-ENVCSE01 free exam practice | H12-721 pdf obtain | CFP exam questions | C1000-059 practice questions | 050-v70-CSEDLPS02 test prep | ABV practice exam | 050-v71-CASECURID02 practice exam | C1000-143 test demo | GRE-Verbal test prep |
1V0-31.21 - Associate VMware Cloud Management Automation (VCTA-CMA) boot camp
1V0-31.21 - Associate VMware Cloud Management Automation (VCTA-CMA) exam Questions
1V0-31.21 - Associate VMware Cloud Management Automation (VCTA-CMA) techniques
1V0-31.21 - Associate VMware Cloud Management Automation (VCTA-CMA) premium pdf
1V0-31.21 - Associate VMware Cloud Management Automation (VCTA-CMA) learning
1V0-31.21 - Associate VMware Cloud Management Automation (VCTA-CMA) test questions
1V0-31.21 - Associate VMware Cloud Management Automation (VCTA-CMA) information source
1V0-31.21 - Associate VMware Cloud Management Automation (VCTA-CMA) Premium PDF
1V0-31.21 - Associate VMware Cloud Management Automation (VCTA-CMA) PDF download
1V0-31.21 - Associate VMware Cloud Management Automation (VCTA-CMA) cheat sheet
1V0-31.21 - Associate VMware Cloud Management Automation (VCTA-CMA) test
1V0-31.21 - Associate VMware Cloud Management Automation (VCTA-CMA) syllabus
1V0-31.21 - Associate VMware Cloud Management Automation (VCTA-CMA) exam Questions
1V0-31.21 - Associate VMware Cloud Management Automation (VCTA-CMA) cheat sheet
1V0-31.21 - Associate VMware Cloud Management Automation (VCTA-CMA) information search
1V0-31.21 - Associate VMware Cloud Management Automation (VCTA-CMA) learning
1V0-31.21 - Associate VMware Cloud Management Automation (VCTA-CMA) syllabus
1V0-31.21 - Associate VMware Cloud Management Automation (VCTA-CMA) study help
1V0-31.21 - Associate VMware Cloud Management Automation (VCTA-CMA) Practice Test
1V0-31.21 - Associate VMware Cloud Management Automation (VCTA-CMA) Question Bank
1V0-31.21 - Associate VMware Cloud Management Automation (VCTA-CMA) exam Questions
1V0-31.21 - Associate VMware Cloud Management Automation (VCTA-CMA) learning
1V0-31.21 - Associate VMware Cloud Management Automation (VCTA-CMA) teaching
1V0-31.21 - Associate VMware Cloud Management Automation (VCTA-CMA) PDF download
1V0-31.21 - Associate VMware Cloud Management Automation (VCTA-CMA) test prep
1V0-31.21 - Associate VMware Cloud Management Automation (VCTA-CMA) study tips
1V0-31.21 - Associate VMware Cloud Management Automation (VCTA-CMA) test questions
1V0-31.21 - Associate VMware Cloud Management Automation (VCTA-CMA) exam help
1V0-31.21 - Associate VMware Cloud Management Automation (VCTA-CMA) education
1V0-31.21 - Associate VMware Cloud Management Automation (VCTA-CMA) exam Questions
1V0-31.21 - Associate VMware Cloud Management Automation (VCTA-CMA) Real exam Questions
1V0-31.21 - Associate VMware Cloud Management Automation (VCTA-CMA) teaching
1V0-31.21 - Associate VMware Cloud Management Automation (VCTA-CMA) Questions and Answers
1V0-31.21 - Associate VMware Cloud Management Automation (VCTA-CMA) Practice Test
1V0-31.21 - Associate VMware Cloud Management Automation (VCTA-CMA) Real exam Questions
1V0-31.21 - Associate VMware Cloud Management Automation (VCTA-CMA) information search
1V0-31.21 - Associate VMware Cloud Management Automation (VCTA-CMA) testprep
1V0-31.21 - Associate VMware Cloud Management Automation (VCTA-CMA) education
1V0-31.21 - Associate VMware Cloud Management Automation (VCTA-CMA) exam success
1V0-31.21 - Associate VMware Cloud Management Automation (VCTA-CMA) Study Guide
1V0-31.21 - Associate VMware Cloud Management Automation (VCTA-CMA) exam contents
1V0-31.21 - Associate VMware Cloud Management Automation (VCTA-CMA) Real exam Questions
1V0-31.21 - Associate VMware Cloud Management Automation (VCTA-CMA) study tips
1V0-31.21 - Associate VMware Cloud Management Automation (VCTA-CMA) techniques
Other Vmware Practice Tests
5V0-22.23 exam cram | 2V0-51.23 exam results | 2V0-21.20 study help | 5V0-35.21 test questions | 2V0-81.20 test prep | 3V0-21.21 PDF Download | 5V0-23.20 free exam papers | 2V0-33.22 test prep | 2V0-21.23 Practice test | 1V0-21.20 exam tips | 5V0-32-19 free practice tests | 1V0-71.21 mock test | 1V0-81.20 practical test | 2V0-41.23 exam prep | 1V0-61.21 study guide | 5V0-62.22 prep questions | 3V0-41.22 cram | 5V0-21.21 Free exam PDF | 3V0-32.21 study material | 5V0-11.21 pass marks |
Best practice tests You Ever Experienced
DP-420 study guide | CLOUDF cram book | EADE105 exam answers | 4A0-M01 free questions | NSE6_FNC-8.5 exam papers | ASCP-MLT PDF Questions | CQIA pdf exam | Pardot-Consultant practice questions | WOCNCB-CFCN pdf study guide | 1Y0-440 exam preparation | DES-1721 exam Questions | C90.01 Study Guide | PAM-DEF demo test | HCAHD test questions | CCJE Practice Test | CBDE free prep | AACN-CCRN-K Practice Test | INBDE bootcamp | 46150T study guide | CRRN mock exam |
References :
Similar Websites :
Pass4sure Certification exam Practice Tests
Pass4Sure Certification Question Bank
1V0-31.21 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.
100% Valid and Up to Date 1V0-31.21 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