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 1Y0-231?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der 1Y0-231: Deploy and Manage Citrix ADC 13 with Citrix Gateway Prüfung.

2024 Updated Actual 1Y0-231 questions as experienced in Test Center

Aktuelle 1Y0-231 Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz

 

13 Questions To Ask Before Marriage To Make Sure You’re Doing The Right Thing

So, you’ve found your person: the person. You’re deeply, undeniably in love; it’s beyond easy to imagine your future together; and, yeah, you’re starting to think about an engagement, a wedding, and all that fun stuff. As exciting as this time is, it’s also important to make sure you’re aligned on what, exactly, that shared future looks like. In other words, you’ll need to have some big conversations—and

ask some crucial questions.

“I’m a firm believer in discussing as much as possible prior to getting engaged,” says Carla Marie Manly, PhD, a clinical psychologist, the host of the Imperfect Love podcast, and the author of Date Smart. “The process of getting to know a partner deeply and truly is essential for forming a healthy foundation. And while going over important topics—finances, children, sex, romance, religion, values, and priorities—partners are able to address any red flag issues that arise.”

Chances are, you won’t automatically agree on all of these topics. And that’s okay, adds Terri Orbuch, PhD, a professor of sociology at Oakland University and the author of 5 Simple Steps To Take Your Marriage From Good to Great. “Differences don’t always mean dealbreakers, because people can compromise—and compromise isn’t bad,” she explains.

Ahead, relationship therapists and marriage experts share 14 questions worth discussing before you head to the altar.

Meet the experts: Carla Marie Manly, PhD, is a clinical psychologist, the host of the Imperfect Love podcast, and the author of Date Smart. Kathryn Smerling, PhD, is a family therapist based in New York City. Terri Orbuch, PhD, is a professor of sociology at Oakland University and the author of 5 Simple Steps To Take Your Marriage From Good to Great.

1. What’s your financial status right now, including debts and savings?

If you’ve been dating your partner long enough to consider marriage, you likely know the basics about their income. But do they have any debt? Do they have a 401k, or any other savings? “You’d think by the time you’re thinking about engagement or marriage that people would know this, but I think couples avoid these topics—and they keep secrets about their financial status, in terms of debt and assets,” says Orbuch. And on the syllabu of money…

2. Are you open to a joint account, or are they keeping their finances separate?

Here’s a big one. “Prior to getting married, it's important to discuss all aspects of finances that may impact the relationship in the short and long term,” says Manly, “including whether joint funds will be used to make payments.”

If you are planning on sharing finances, you’ll also want to discuss how you’ll use your joint account, adds Orbuch. For example, how often will you splurge on vacations or travel? How much money will you try to save each month? What do you typically spend money on?

3. What role do you want religion or spirituality to play in your life?

You might think you know your partner’s answer, but ideally, you’ll want to really get specific about how religion factors into their life, says Orbuch. If you have children together, how will you raise them? Which holidays will you observe as a couple? Are there any traditions or activities that will become a part of your shared lifestyle?

4. Do you want kids? If so, when and how will they have them?

“Although deciding whether or not to have children may seem like an obvious issue to address before marriage, some couples shy away from giving this issue the forthright focus it deserves,” says Manly. You should also discuss how you plan on having kids, she adds. Will you try to have kids biologically? What will you do if fertility issues arise? Regardless of your fertility status, would you be interested in adoption, or surrogacy?

5. What are your views on parenting?

This is a pretty open-ended question, but it’s an important one, according to Orbuch. If you’re planning on having kids, how does your partner envision themself as a parent? How do you want to raise your kids? How will you split parenting tasks?

6. What was your own childhood like?

This question goes hand-in-hand with discussing your thoughts on parenting, says Kathryn Smerling, PhD, a family therapist based in New York City. “I don’t think people really discuss what their upbringing was like as a child—was it gentle parenting, was it harsh?” she says. By talking about your own early memories with your parents, you might be able to identify “what you want to keep, and what you want to discard.”

7. How often will they see your family once we’re married?

Maybe you already have a relationship with your future in-laws. That’s great! But now, it’s time to discuss how often you’ll see them, says Smerling—and how involved they’ll be in your life, especially if and when you have kids. Will either set of grandparents help with childcare? How will you spend holidays? “Very often, one person wants to spend more time with their family,” Smerling explains. But if both of you want to spend holidays with your families of origin, you might need to make a plan. Maybe you spend Thanksgiving with one set of in-laws, and Christmas with the other, Smerling suggests.

8. How do you see yourself balancing work and family?

These days, a lot of couples both decide to keep their jobs even as they have kids, says Smerling. So, it’s essential to ask how they plan on balancing their professional and personal life, especially if you decide to become parents, she adds. How much does your partner prioritize their job, and will that evolve as they get older? Will one of you take a step back at work if you have kids? What might childcare look like?

9. Where will they live?

After getting married, will you move elsewhere? What about if and when you have kids? During this conversation, it’s also a good idea to ask whether your partner would want to move if they’re offered a (better) job in another place, says Orbuch. And on the flip side: If you got an amazing job offer in another city, would your partner be down to move with you?

10. How will they prioritize romance once we’re married?

“As a clinical psychologist, I've found that the death of romance is one of the top reasons for marital dissatisfaction,” says Manly. And that can lead to sexual dissatisfaction, too: “It's not uncommon for one partner to care about sex but not about romance, while the other partner finds romance essential for sexual intimacy,” she adds.

So, before getting married, Manly suggests discussing your “personal needs” regarding intimacy and romance. Maybe it’s important to regularly mix things up in the bedroom; maybe, you want frequent date nights. Whatever your needs are, discussing them will help you out big-time once you’re past the (literal) honeymoon stage.

11. Do you (or your biological family members) have any health concerns that I don’t know about?

And if something runs in their family, is there a test they can take to determine whether they’re a carrier? If you and your partner are in it for the long haul, you’ll want to ask these questions, says Orbuch. Not only is this life-saving information for you to have in case they get sick, but it will help you determine whether there are any conditions your biological children (if you’re having them) might be predisposed to.

12. What does commitment mean to you?

There are many types of cheating beyond sexual infidelity: there’s emotional cheating, cyber-cheating, and more. For this reason, it can be beneficial to discuss what fidelity and commitment look like to you, notes Orbuch. “A lot of times people don’t talk about this, and then they’re surprised down the way,” she explains.

13. How do they handle stress and conflict as a couple?

Admittedly, this is a question you need to ask yourself, too. “It is so vital to a happy, healthy relationship that the two of you handle stress well together—because it’s inevitably going to happen—and that you handle and resolve conflict constructively,” says Orbuch. Do you communicate well when you’re in a crisis? Is there anything your partner could do differently to support you when you’re going through a hard time?

14. What are your core values and beliefs?

“It’s not just who you voted for and political affiliation,” says Orbuch—although you might want to ask about that, too, if you don’t already know. But how does your partner feel about reproductive rights, or equity for people who are marginalized? What are the issues they care about the most in the world? These are big questions, but often important ones.

How can I have these conversations with my partner?

When discussing these tricky subjects like kids, money, and your values, you might not want to broach every subject in one conversation. It can be overwhelming, “and it may also instill doubt,” says Orbuch. You don’t want your partner to feel like they’re being interrogated, after all.

Instead, Orbuch recommends spacing these conversations out during natural moments when you’re alone together. For example, maybe you’re watching a movie or sitcom episode in which a couple disagrees about a parenting dilemma. You can use this as a jumping-off point to discuss how you’d like to raise your kids—or to start a conversation on whether you’d like to have kids at all.

Remember: some of these discussions might feel uncomfortable (or even lead to disagreements!), but you’ll only come out even stronger. Take it from Manly: “Healthy communication is essential for a solid relationship, and couples who learn how to navigate even the most difficult conversations with loving respect are far more likely to stand the tests of time,” she says. Now, get chatting!

Headshot of Lydia Wang

Lydia Wang is the love & life editor at Women’s Health, where she writes and edits articles about sex, relationships, identity, and pop culture. She lives in New York and spends way too much of her free time practicing romance novels in coffee shops and tweeting about her favorite dating shows.


Xfinity waited to patch critical Citrix Bleed 0-day. Now it’s paying the price

A parked Comcast service van with the Enlarge Getty Images | Smith Collection/Gado reader comments 140

Comcast waited as many as nine days to patch its network against a high-severity vulnerability, a lapse that allowed hackers to make off with password data and other sensitive information belonging to 36 million Xfinity customers.

Further Reading The latest high-severity Citrix vulnerability under attack isn’t easy to fix The breach, which was carried out by exploiting a vulnerability in network hardware sold by Citrix, gave hackers access to usernames and cryptographically hashed passwords for 35.9 million Xfinity customers, the cable TV and Internet provider said in a notification filed Monday with the Maine attorney general’s office. Citrix disclosed the vulnerability and issued a patch on October 10. Comcast didn't patch its network until October 16 at the earliest and October 19 at the latest, a lapse of six to nine days. On October 18, researchers reported that the vulnerability, tracked as CVE-2023-4966 and by the name Citrix Bleed, had been under active exploitation since August.

“However, they subsequently discovered that prior to mitigation, between October 16 and October 19, 2023, there was unauthorized access to some of their internal systems that they concluded was a result of this vulnerability,” an accompanying notice stated. “We notified federal law enforcement and conducted an investigation into the nature and scope of the incident. On November 16, 2023, it was determined that information was likely acquired.”

Comcast is still investigating precisely what data the attackers obtained. So far, Monday’s disclosure said, information known to have been taken includes usernames and hashed passwords, names, contact information, the last four digits of social security numbers, dates of birth, and/or secret questions and answers. Xfinity is Comcast’s cable television and Internet division.

Advertisement

Citrix Bleed has emerged as one of the year’s most severe and widely exploited vulnerabilities, with a severity rating of 9.4 out of 10. The vulnerability, residing in Citrix’s NetScaler Application Delivery Controller and NetScaler Gateway, can be exploited without any authentication or privileges on affected networks. Exploits disclose session tokens, which the hardware assigns to devices that have already successfully provided login credentials. Possession of the tokens allows hackers to override any multi-factor authentication in use and log in to the device.

Other companies that have been hacked through Citrix Bleed include Boeing; Toyota; DP World Australia, a branch of the Dubai-based logistics company DP World; Industrial and Commercial Bank of China; and law firm Allen & Overy.

The name Citrix Bleed is an allusion to Heartbleed, a different critical information disclosure zero-day that turned the Internet on its head in 2014. That vulnerability, which resided in the OpenSSL code library, came under mass exploitation and allowed the pilfering of passwords, encryption keys, banking credentials, and all kinds of other sensitive information. Citrix Bleed hasn’t been as dire because fewer vulnerable devices are in use.

A sweep of the most active ransomware sites didn’t turn up any claims of responsibility for the hack of the Comcast network. An Xfinity representative said in an email that the company has yet to receive any ransom demands, and investigators aren’t aware of any customer data being leaked or of any attacks on affected customers.

Comcast is requiring Xfinity customers to reset their passwords to protect against the possibility that attackers can crack the stolen hashes. The company is also encouraging customers to enable two-factor authentication. The representative declined to say why company admins didn't patch sooner.

Post updated to change patch lapse from 13 days to six to nine days.


 


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 dumps website?
Indeed, Killexams is practically legit together with fully trusted. There are several options that makes killexams.com realistic and respectable. It provides up to date and practically valid ACTUAL EXAM QUESTIONS made up of real exams questions and answers. Price is surprisingly low as compared to most of the services online. The mock test are up to date on normal basis by using most accurate brain dumps. Killexams account launched and item delivery is extremely fast. Report downloading is normally unlimited and really fast. Service is avaiable via Livechat and Electronic mail. These are the characteristics that makes killexams.com a robust website which provide ACTUAL EXAM QUESTIONS with real exams questions.



Is killexams.com test material dependable?
There are several mock test 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 get sites or reseller sites. Thats why killexams.com update test mock test with the same frequency as they are updated in Real Test. ACTUAL EXAM QUESTIONS provided by killexams.com are Reliable, Up-to-date and validated by Certified Professionals. They maintain dumps collection 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 subjects of new syllabus, They recommend to get 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 mock test will be provided in your get Account. You can get Premium ACTUAL EXAM QUESTIONS files as many times as you want, There is no limit.

Killexams.com has provided VCE VCE 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 Test Center and Enjoy your Success.




Google-PCA VCE test | CoreSpringV3.2 demo test | ISA-IEC-62443 dump | 050-6201-ARCHERASC01 past exams | IELTS online test | 4A0-102 bootcamp | Apigee-API-Engineer test test | 1T6-323 Practice Questions | 500-443 dumps | TMPTE certification demo | 76940X free prep | PCCN free test papers | FNS training material | 050-708 ACTUAL EXAM QUESTIONS | Integration-Architecture-Designer Free PDF | 630-008 test questions | 6211 cheat sheet pdf | CNOR mock test | LFCS demo questions | CTL-001 ACTUAL EXAM QUESTIONS |


1Y0-231 - Deploy and Manage Citrix ADC 13 with Citrix Gateway information search
1Y0-231 - Deploy and Manage Citrix ADC 13 with Citrix Gateway PDF Dumps
1Y0-231 - Deploy and Manage Citrix ADC 13 with Citrix Gateway test Questions
1Y0-231 - Deploy and Manage Citrix ADC 13 with Citrix Gateway study tips
1Y0-231 - Deploy and Manage Citrix ADC 13 with Citrix Gateway information search
1Y0-231 - Deploy and Manage Citrix ADC 13 with Citrix Gateway test syllabus
1Y0-231 - Deploy and Manage Citrix ADC 13 with Citrix Gateway Test Prep
1Y0-231 - Deploy and Manage Citrix ADC 13 with Citrix Gateway PDF Download
1Y0-231 - Deploy and Manage Citrix ADC 13 with Citrix Gateway certification
1Y0-231 - Deploy and Manage Citrix ADC 13 with Citrix Gateway tricks
1Y0-231 - Deploy and Manage Citrix ADC 13 with Citrix Gateway exam
1Y0-231 - Deploy and Manage Citrix ADC 13 with Citrix Gateway boot camp
1Y0-231 - Deploy and Manage Citrix ADC 13 with Citrix Gateway PDF Questions
1Y0-231 - Deploy and Manage Citrix ADC 13 with Citrix Gateway test Questions
1Y0-231 - Deploy and Manage Citrix ADC 13 with Citrix Gateway ACTUAL EXAM QUESTIONS
1Y0-231 - Deploy and Manage Citrix ADC 13 with Citrix Gateway questions
1Y0-231 - Deploy and Manage Citrix ADC 13 with Citrix Gateway Real test Questions
1Y0-231 - Deploy and Manage Citrix ADC 13 with Citrix Gateway PDF Dumps
1Y0-231 - Deploy and Manage Citrix ADC 13 with Citrix Gateway information source
1Y0-231 - Deploy and Manage Citrix ADC 13 with Citrix Gateway guide
1Y0-231 - Deploy and Manage Citrix ADC 13 with Citrix Gateway Latest Questions
1Y0-231 - Deploy and Manage Citrix ADC 13 with Citrix Gateway test
1Y0-231 - Deploy and Manage Citrix ADC 13 with Citrix Gateway testing
1Y0-231 - Deploy and Manage Citrix ADC 13 with Citrix Gateway learning
1Y0-231 - Deploy and Manage Citrix ADC 13 with Citrix Gateway Dumps
1Y0-231 - Deploy and Manage Citrix ADC 13 with Citrix Gateway braindumps
1Y0-231 - Deploy and Manage Citrix ADC 13 with Citrix Gateway guide
1Y0-231 - Deploy and Manage Citrix ADC 13 with Citrix Gateway braindumps
1Y0-231 - Deploy and Manage Citrix ADC 13 with Citrix Gateway study help
1Y0-231 - Deploy and Manage Citrix ADC 13 with Citrix Gateway Latest Topics
1Y0-231 - Deploy and Manage Citrix ADC 13 with Citrix Gateway Cheatsheet
1Y0-231 - Deploy and Manage Citrix ADC 13 with Citrix Gateway study help
1Y0-231 - Deploy and Manage Citrix ADC 13 with Citrix Gateway questions
1Y0-231 - Deploy and Manage Citrix ADC 13 with Citrix Gateway test Questions
1Y0-231 - Deploy and Manage Citrix ADC 13 with Citrix Gateway dumps
1Y0-231 - Deploy and Manage Citrix ADC 13 with Citrix Gateway learn
1Y0-231 - Deploy and Manage Citrix ADC 13 with Citrix Gateway PDF Dumps
1Y0-231 - Deploy and Manage Citrix ADC 13 with Citrix Gateway learning
1Y0-231 - Deploy and Manage Citrix ADC 13 with Citrix Gateway Practice Questions
1Y0-231 - Deploy and Manage Citrix ADC 13 with Citrix Gateway Cheatsheet
1Y0-231 - Deploy and Manage Citrix ADC 13 with Citrix Gateway braindumps
1Y0-231 - Deploy and Manage Citrix ADC 13 with Citrix Gateway course outline
1Y0-231 - Deploy and Manage Citrix ADC 13 with Citrix Gateway test Questions
1Y0-231 - Deploy and Manage Citrix ADC 13 with Citrix Gateway test prep

Other Citrix ACTUAL EXAM QUESTIONS


1Y0-204 mock exam | 1Y0-241 test Cram | 1Y0-312 past exams | 1Y0-440 Test Prep | 1Y0-203 PDF Download | 1Y0-231 real questions | 1Y0-341 practice exam | 1Y0-403 PDF Download |


Best ACTUAL EXAM QUESTIONS You Ever Experienced


CTP braindumps | ISTQB-Advanced-Level-1 test Questions | TCP-BW6 dumps | ADX-271 test prep | ISO-IEC-27001-Lead-Auditor test practice | ECBA test test | Cloud-Digital-Leader questions download | CCNT brain dumps | Scrum-PSD-I PDF Dumps | 2V0-21.23 demo test questions | 600-660 questions answers | CTAL-TM-UK pass marks | OutSystems-ARDC test Braindumps | PSP test questions | BI0-210 practical test | H12-721 cheat sheet | SD0-401 test Cram | 1D0-61C practice exam | DMV model question | 312-49v10 Practice Test |





References :





Similar Websites :
Pass4sure Certification ACTUAL EXAM QUESTIONS
Pass4Sure test Questions and Dumps






Direct Download

1Y0-231 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.

1Y0-231 Reviews

100% Valid and Up to Date 1Y0-231 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