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 1Z0-927?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der 1Z0-927: Oracle Mobile Cloud Enterprise 2018 Associate Developer Prüfung.

2022 Updated Actual 1Z0-927 questions as experienced in Test Center

Laden Sie 1Z0-927 Übungstest und aktuelle Fragen herunter | easyfinanz

Oracle Mobile Cloud Enterprise 2018 Associate Developer real questions with Latest 1Z0-927 practice questions | https://www.easyfinanz.cc/

Oracle 1Z0-927 : Oracle Mobile Cloud Enterprise 2018 test Dumps

Exam Dumps Organized by Richard



Latest 2022 Updated Syllabus
1Z0-927 test Dumps | Latest Braindumps with genuine Questions

Real Questions from Latest syllabus of 1Z0-927 - Updated Daily - 100% Pass Guarantee



1Z0-927 sample Questions : Download 100% Free 1Z0-927 test Dumps (PDF and VCE)

Exam Number : 1Z0-927
Exam Name : Oracle Mobile Cloud Enterprise 2018 Associate Developer
Vendor Name : Oracle
Update : Click Here to Check Latest Update
Question Bank : Check Questions

Money-back certain of 1Z0-927 Cheatsheet on killexams. com
killexams.com is the trustworthy and dependable platform that provides 1Z0-927 check questions as well as 100% good results ensure. You need in order to training 1Z0-927 questions intended for 1 trip to be able to least to rating well on the particular exam. Your correct journey to achievement within Oracle Mobile Cloud Enterprise 2018 Associate Developer exam, in fact , starts off with killexams.com 1Z0-927 test exercise questions this is definitely the wonderful plus appropriate source connected with your targeted place.

In case you are normally urgently hunting in order to Move the Oracle 1Z0-927 analyze to discover do the job or transform your life own accurate position into the organization, somebody needs to subscribe at killexams.com. There are several professionals amassing 1Z0-927 correct test concerns with killexams.com. Somebody will get Oracle Mobile Cloud Enterprise 2018 Associate Developer test questions to assure you actually pass 1Z0-927 examination. You are going to obtain around time 1Z0-927 test concerns every time you login for your specs. There are a few businesses offering 1Z0-927 PDF Dumps yet valid and also latest 2022 current 1Z0-927 Real test Questions is the central issue. Assume hard ahead of you completely count on Totally free Dumps offered on the web as you may end all the way up failing typically the examination. As being a, paying the smaller cost regarding killexams 1Z0-927 genuine concerns is definitely preferable to waste materials huge test cost.

Sometimes, driving a particular analyze is not really significant at most, yet comprehending individual areas is necessary. This particular is indeed a circumstance inside 1Z0-927 test. They all offer genuine analyze questions along with solutions connected with 1Z0-927 analyze that will help about the rating from the examination, nevertheless the issue is absolutely not simply driving the particular 1Z0-927 test several period. Currently VCE analyze simulator so as to enhance your specifics of 1Z0-927 subject matter in order that you could end up being accustomed to primary models of 1Z0-927 goals. This is essential. It is far from really the slightest bit easy. They has prepared 1Z0-927 concerns bank that can actually offer you good facts of subjects, together with surety in order to move the test in the beginning try. By no means under determine the strength of typically the 1Z0-927 VCE test sim. This will help a lot from the understanding along with learning 1Z0-927 questions using the Dumps LIBRO ELECTRONICO FILE along with VCE.

Somebody will really sometimes be astonished every time a person will dsicover their 1Z0-927 test concerns on the specific real 1Z0-927 test display. That is correct magic. You are able to please assume that you will definitely receive a high rating within 1Z0-927 test as a person is aware all the specific answers. You are displaying practiced together with VCE analyze simulator. Most of us have a total swimming pool connected with 1Z0-927 PDF Braindumps that can be down loaded whenever you sign-up with killexams.com and also opt for the 1Z0-927 test so as to download. Using the three months approaching free changes associated with 1Z0-927 exam, you might be usually capable to program your own real 1Z0-927 test inside of that time time. If you execute not experience with ease, just simply prolong your own 1Z0-927 down load accounts abilities. But preserve in touch combined with team. Most of us update 1Z0-927 questions the instant they may be improved in the precise 1Z0-927 test. Thats the main reason whiy they now own valid along with upward around right now 1Z0-927 PDF Dumps each of the period. Simply plan your personal next qualification examination along with register so as to obtain your own duplicate connected with 1Z0-927 PDF Dumps.

Preserving small amount sometimes result in a large loss. This can be the case if you read totally free things along with try so as to pass 1Z0-927 exam. Several surprises are generally waiting around for you personally in the precise 1Z0-927 test. Little financial savings causes a limited risk of catastrophically large losses. You ought to certainly not trust about free things whenever you are generally heading to show up with regard to 1Z0-927 exam. It will probably be far from actually simple to move 1Z0-927 test with just simply textual content textbooks or software books. You must experience the complicated situations inside 1Z0-927 test. These types of concerns are secured in killexams.com 1Z0-927 Real test Questions. Their own 1Z0-927 questions traditional bank creates your own preparation with regards to examination very good simple than ever. Simply down load 1Z0-927 PDF Dumps and start mastering. You will undoubtedly believe that your personal knowledge is improved upon to huge degree.

Highlights of Killexams 1Z0-927 PDF Dumps
-> 1Z0-927 PDF Dumps down load Access within 5 minutes.
-> Complete 1Z0-927 Questions Financial institution
-> 1Z0-927 Test Success Assurance
-> Guaranteed Genuine 1Z0-927 test questions
-> Hottest and 2022 updated 1Z0-927 Questions along with Answers
-> Hottest 2022 1Z0-927 Syllabus
-> Get 1Z0-927 Test Files at any place
-> Unlimited 1Z0-927 VCE Test Simulator Entry
-> No Control on 1Z0-927 test Get
-> Great Saving coupons
-> 100% Safeguarded Purchase
-> totally Confidential.
-> totally Free Practice Questions sample Queries
-> No Concealed Cost
-> Zero Monthly Ongoing
-> No Automotive Renewal
-> 1Z0-927 test Revise Intimation simply by Email
-> Totally free Technical Support

test Details at: https://killexams.com/pass4sure/exam-detail/1Z0-927
Pricing Specifics at: https://killexams.com/exam-price-comparison/1Z0-927
See Full List: https://killexams.com/vendors-exam-list

Lower price Coupon with Full 1Z0-927 PDF Dumps concerns;
WC2020: 60 per cent Flat Lower price on each test
PROF17: 10% Further Lower price on Worth Greater than $69
DEAL17: 15% Further Lower price on Worth Greater than 99 dollars







1Z0-927 test Format | 1Z0-927 Course Contents | 1Z0-927 Course Outline | 1Z0-927 test Syllabus | 1Z0-927 test Objectives




Killexams Review | Reputation | Testimonials | Feedback


Did you attempted this outstanding material updated 1Z0-927 braindumps.
My pals instructed me I should anticipate killexams.com for 1Z0-927 test instruction, and this time I did. The braindumps are very available to apply, I like how they will be set up. The question order facilitates you to memorize things higher. I passed with 89% marks.


Observed most 1Z0-927 Questions in dumps that I read.
I am required to tell you that I have passed in 1Z0-927 exam. All of the questions on the test desk have been from killexams. stated to be the real helper for me on the 1Z0-927 test bench. All praise for my achievement is going to this guide. That is the real motive at the back of my success. It guided me in the right way for trying 1Z0-927 test questions. With the help of this test dumps, I was proficient to effort to all the questions in 1Z0-927 exam. This test staff publication a person within the right way and guarantees you 100% accomplishment in the exam.


You just need a weekend to read 1Z0-927 test with these dumps.
I am very satisfied right now. You have to be thinking why I am so happy, correctly the purpose is pretty easy, I got my 1Z0-927 test results and I have made it via them pretty without troubles. I write over right here as it emerges as killexams.com that taught me for 1Z0-927 test and that I can not cross on with out thanking it for being so and helpful to me.


You just want a weekend for 1Z0-927 test prep with the ones dumps.
I am now 1Z0-927 certified and it could not be viable without killexams.com 1Z0-927 test simulator. killexams.com test simulator has been tailor-made keeping in thoughts the requirements of the scholars which they confront at the time of taking 1Z0-927 exam. This test simulator will be very a lot test consciousness and each subject matter has been answered in element just to keep apprised the students from each account. killexams.com team knows that is the way to hold college students confident and ever equipped for taking the exam.


No big mission required to pass 1Z0-927 exam.
There were many ways for me to reach my target destination of high score in the 1Z0-927 but I was not having the quality in that. So, I did the best thing by going on online 1Z0-927 study help of the killexams.com mistakenly and found that this mistake was a sweet one to be remembered for a longer time. I had scored well in my 1Z0-927 test and that is all because of the killexams practice test which was available online.


Oracle Cloud certification

Whilst it is very hard task to choose reliable test mock test resources regarding review, reputation and validity because people get ripoff due to choosing incorrect service. Killexams make it sure to provide its clients far better to their resources with respect to test dumps update and validity. Most of other peoples ripoff report complaint clients come to us for the brain dumps and pass their exams enjoyably and easily. They never compromise on their review, reputation and quality because killexams review, killexams reputation and killexams client self confidence is important to all of us. Specially they manage killexams.com review, killexams.com reputation, killexams.com ripoff report complaint, killexams.com trust, killexams.com validity, killexams.com report and killexams scam. If perhaps you see any bogus report posted by their competitor with the name killexams ripoff report complaint internet, killexams.com ripoff report, killexams.com scam, killexams.com complaint or something like this, just keep in mind that there are always bad people damaging reputation of good services due to their benefits. There are a large number of satisfied customers that pass their exams using killexams.com brain dumps, killexams PDF questions, killexams practice questions, killexams test simulator. Visit their test questions and sample brain dumps, their test simulator and you will definitely know that killexams.com is the best brain dumps site.

Is Killexams.com Legit?
Absolutely yes, Killexams is 100% legit plus fully good. There are several attributes that makes killexams.com genuine and respectable. It provides current and 100% valid test dumps that contain real exams questions and answers. Price is really low as compared to almost all of the services on internet. The mock test are up-to-date on typical basis with most accurate brain dumps. Killexams account arrangement and products delivery is really fast. Report downloading can be unlimited as well as fast. Service is avaiable via Livechat and Email address. These are the characteristics that makes killexams.com a robust website that come with test dumps with real exams questions.



Which is the best braindumps site of 2022?
There are several mock test provider in the market claiming that they provide genuine 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 2022 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 test mock test with the same frequency as they are updated in Real Test. test dumps 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 test Fast with improvement in your knowledge about latest course contents and syllabus of new syllabus, They recommend to obtain PDF test 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 test Dumps 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 genuine Test. Go register for Test in Exam Center and Enjoy your Success.




200-201 test dumps | PAM-DEF-SEN practice test | WorkKeys assessment test sample | CCA175 examcollection | TCRN real questions | HPE2-T35 cheat sheets | 300-420 pass test | 9A0-412 study material | CFA-Level-III pass marks | SK0-004 test results | ICBRR test questions | JN0-334 test prep | DEA-41T1 test prep | 701-100 Latest syllabus | SCA-C01 Free test PDF | FPGEE Real test Questions | CWT-100 practice questions | 5V0-61.19 writing test questions | HPE0-V14 study questions | NSE4_FGT-6.4 brain dumps |


1Z0-927 - Oracle Mobile Cloud Enterprise 2018 Associate Developer test Cram
1Z0-927 - Oracle Mobile Cloud Enterprise 2018 Associate Developer study help
1Z0-927 - Oracle Mobile Cloud Enterprise 2018 Associate Developer questions
1Z0-927 - Oracle Mobile Cloud Enterprise 2018 Associate Developer information search
1Z0-927 - Oracle Mobile Cloud Enterprise 2018 Associate Developer Test Prep
1Z0-927 - Oracle Mobile Cloud Enterprise 2018 Associate Developer Questions and Answers
1Z0-927 - Oracle Mobile Cloud Enterprise 2018 Associate Developer test Cram
1Z0-927 - Oracle Mobile Cloud Enterprise 2018 Associate Developer information search
1Z0-927 - Oracle Mobile Cloud Enterprise 2018 Associate Developer test syllabus
1Z0-927 - Oracle Mobile Cloud Enterprise 2018 Associate Developer Questions and Answers
1Z0-927 - Oracle Mobile Cloud Enterprise 2018 Associate Developer teaching
1Z0-927 - Oracle Mobile Cloud Enterprise 2018 Associate Developer syllabus
1Z0-927 - Oracle Mobile Cloud Enterprise 2018 Associate Developer Dumps
1Z0-927 - Oracle Mobile Cloud Enterprise 2018 Associate Developer boot camp
1Z0-927 - Oracle Mobile Cloud Enterprise 2018 Associate Developer study tips
1Z0-927 - Oracle Mobile Cloud Enterprise 2018 Associate Developer test
1Z0-927 - Oracle Mobile Cloud Enterprise 2018 Associate Developer outline
1Z0-927 - Oracle Mobile Cloud Enterprise 2018 Associate Developer information hunger
1Z0-927 - Oracle Mobile Cloud Enterprise 2018 Associate Developer education
1Z0-927 - Oracle Mobile Cloud Enterprise 2018 Associate Developer test dumps
1Z0-927 - Oracle Mobile Cloud Enterprise 2018 Associate Developer Study Guide
1Z0-927 - Oracle Mobile Cloud Enterprise 2018 Associate Developer information hunger
1Z0-927 - Oracle Mobile Cloud Enterprise 2018 Associate Developer test Questions
1Z0-927 - Oracle Mobile Cloud Enterprise 2018 Associate Developer certification
1Z0-927 - Oracle Mobile Cloud Enterprise 2018 Associate Developer test dumps
1Z0-927 - Oracle Mobile Cloud Enterprise 2018 Associate Developer outline
1Z0-927 - Oracle Mobile Cloud Enterprise 2018 Associate Developer test Braindumps
1Z0-927 - Oracle Mobile Cloud Enterprise 2018 Associate Developer learn
1Z0-927 - Oracle Mobile Cloud Enterprise 2018 Associate Developer book
1Z0-927 - Oracle Mobile Cloud Enterprise 2018 Associate Developer information source
1Z0-927 - Oracle Mobile Cloud Enterprise 2018 Associate Developer information source
1Z0-927 - Oracle Mobile Cloud Enterprise 2018 Associate Developer study tips
1Z0-927 - Oracle Mobile Cloud Enterprise 2018 Associate Developer certification
1Z0-927 - Oracle Mobile Cloud Enterprise 2018 Associate Developer Latest Questions
1Z0-927 - Oracle Mobile Cloud Enterprise 2018 Associate Developer test contents
1Z0-927 - Oracle Mobile Cloud Enterprise 2018 Associate Developer exam
1Z0-927 - Oracle Mobile Cloud Enterprise 2018 Associate Developer Free test PDF
1Z0-927 - Oracle Mobile Cloud Enterprise 2018 Associate Developer boot camp
1Z0-927 - Oracle Mobile Cloud Enterprise 2018 Associate Developer tricks
1Z0-927 - Oracle Mobile Cloud Enterprise 2018 Associate Developer learn
1Z0-927 - Oracle Mobile Cloud Enterprise 2018 Associate Developer course outline
1Z0-927 - Oracle Mobile Cloud Enterprise 2018 Associate Developer learning
1Z0-927 - Oracle Mobile Cloud Enterprise 2018 Associate Developer PDF Braindumps
1Z0-927 - Oracle Mobile Cloud Enterprise 2018 Associate Developer PDF Dumps
1Z0-927 - Oracle Mobile Cloud Enterprise 2018 Associate Developer dumps
1Z0-927 - Oracle Mobile Cloud Enterprise 2018 Associate Developer PDF Download
1Z0-927 - Oracle Mobile Cloud Enterprise 2018 Associate Developer study help
1Z0-927 - Oracle Mobile Cloud Enterprise 2018 Associate Developer test Cram
1Z0-927 - Oracle Mobile Cloud Enterprise 2018 Associate Developer techniques
1Z0-927 - Oracle Mobile Cloud Enterprise 2018 Associate Developer teaching
1Z0-927 - Oracle Mobile Cloud Enterprise 2018 Associate Developer test dumps
1Z0-927 - Oracle Mobile Cloud Enterprise 2018 Associate Developer outline
1Z0-927 - Oracle Mobile Cloud Enterprise 2018 Associate Developer test Braindumps



Best Certification test Dumps You Ever Experienced


1Z0-443 test prep | 1Z0-218 test sample | 1Z0-133 Latest syllabus | 1Z0-519 cbt | 1Z0-961 past bar exams | 1Z0-477 free test papers | 1Z0-899 examcollection | 1Z0-074 free pdf | 1Z0-466 Latest Questions | 1Z0-497 practice test | 1Z0-160 model question | 1Z0-041 test questions | 1Z0-933 study material | 1Z0-1047 Study Guide | 1Z0-860 Cheatsheet | 1Z0-527 mock test | 1Z1-052 real questions | 1Z1-050 test questions | 1Z0-219 training material | 1Z0-1080-20 questions answers |





References :





Similar Websites :
Pass4sure Certification test dumps
Pass4Sure test Questions and Dumps






Direct Download

1Z0-927 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.

1Z0-927 Reviews

100% Valid and Up to Date 1Z0-927 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