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 2V0-21-19-PSE?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der 2V0-21-19-PSE: Professional vSphere 6.7 Exam 2021 Prüfung.

2022 Updated Actual 2V0-21-19-PSE questions as experienced in Test Center

Laden Sie 2V0-21-19-PSE Übungstest und aktuelle Fragen herunter - easy finanz | easyfinanz

Professional vSphere 6.7 exam 2021 real questions with Latest 2V0-21-19-PSE practice tests | https://www.easyfinanz.cc/

Vmware 2V0-21-19-PSE : Professional vSphere 6.7 exam 2021 exam Dumps

Exam Dumps Organized by Martin Hoax



Latest 2022 Updated Syllabus
2V0-21-19-PSE cheat sheet | Latest Braindumps with genuine Questions

Real Questions from Latest courses of 2V0-21-19-PSE - Updated Daily - 100% Pass Guarantee



2V0-21-19-PSE trial Questions : Download 100% Free 2V0-21-19-PSE cheat sheet (PDF and VCE)

Exam Number : 2V0-21-19-PSE
Exam Name : Professional vSphere 6.7 exam 2021
Vendor Name : Vmware
Update : Click Here to Check Latest Update
Question Bank : Check Questions

All 2V0-21-19-PSE PDF Braindumps questions are provided for download
Quite a few websites are supplying 2V0-21-19-PSE Dumps, nevertheless, nearly all of them usually are re-sellers along with promote obsolete 2V0-21-19-PSE questions. A person must not spend their own time in inclusion to dollars on learning outdated 2V0-21-19-PSE questions. Basically go to killexams.com, obtain completely free Exam Questions, assess, and indicator up for finish version. You will learn the particular variation.

We are a considerable essentials of useful individuals that complete 2V0-21-19-PSE check with their blues. The greater part ones is getting work done in the extraordinary circumstance in their individual associations. Certainly not on the grounds that, each uses their 2V0-21-19-PSE Exam Braindumps, they genuinely done changes in their perception and expertise. They can job in reputable difficulties within the association since Specialists. Do not simply provide for breezing by means of 2V0-21-19-PSE check with their reputable inquiries, nonetheless support specifics of 2V0-21-19-PSE targets. This is the report behind each one fruitful specific.

Features of Killexams 2V0-21-19-PSE Real exam Questions
-> Instant 2V0-21-19-PSE Real exam Questions down load Access
-> Detailed 2V0-21-19-PSE Issues and Solutions
-> 98% Achievements Rate connected with 2V0-21-19-PSE exam
-> Guaranteed Genuine 2V0-21-19-PSE test questions
-> 2V0-21-19-PSE Questions Kept up to date on Typical basis.
-> Appropriate and 2022 Updated 2V0-21-19-PSE exam Places
-> 100% Convenient 2V0-21-19-PSE exam Files
-> Total featured 2V0-21-19-PSE VCE exam Simulator
-> Not any Limit about 2V0-21-19-PSE exam get Accessibility
-> Great Saving coupons
-> 100% Secure get Bank account
-> 100% Discretion Ensured
-> 100 % Success Assure
-> 100% No cost Practice Test small trial Questions
-> Not any Hidden Charge
-> No Month to month Charges
-> Not any Automatic Bank account Renewal
-> 2V0-21-19-PSE exam Change Intimation simply by Email
-> No cost Technical Support

exam Details at: https://killexams.com/pass4sure/exam-detail/2V0-21-19-PSE
Pricing Particulars at: https://killexams.com/exam-price-comparison/2V0-21-19-PSE
See Full List: https://killexams.com/vendors-exam-list

Lower price Coupon about Full 2V0-21-19-PSE Real exam Questions real questions;
WC2020: 60% Smooth Discount to each exam
PROF17: 10% More Discount about Value Over $69
DEAL17: 15% More Discount about Value Over $99







2V0-21-19-PSE exam Format | 2V0-21-19-PSE Course Contents | 2V0-21-19-PSE Course Outline | 2V0-21-19-PSE exam Syllabus | 2V0-21-19-PSE exam Objectives


Duration : 115 MINUTES
Number of Questions : 70 Questions
Passing Score : 300 Learn More
Format : Single and Multiple Choice, Proctored

The Professional vSphere 6.7 exam validates that an individual can implement, manage, and troubleshoot a vSphere V6.7 infrastructure, using best practices to provide a powerful, flexible, and secure foundation for business agility that can accelerate the transformation to cloud computing.

The Professional VMware vSphere 6.7 (2V0-21.19) which leads to VMware Certified Professional – Data Center Virtualization 2020 certification is a 70-item exam, with a passing score of 300 using a scaled scoring method. Candidates are given 115 minutes to complete the exam, which includes five-minute seating time and adequate time to complete the exam for non-native English speakers. genuine exam time is 110 minutes.

Section 1 – VMware vSphere Architectures and Technologies
Objective 1.1 – Identify the pre-requisites and components for vSphere implementation
Objective 1.2 – Identify vCenter high availability (HA) requirements
Objective 1.3 – Describe storage types for vSphere
Objective 1.4 – Differentiate between NIOC and SIOC
Objective 1.5 – Manage vCenter inventory efficiently
Objective 1.6 – Describe and differentiate among vSphere, HA, DRS, and SDRS functionality
Objective 1.7 – Describe and identify resource pools and use cases
Objective 1.8 – Differentiate between VDS and VSS
Objective 1.9 – Describe the purpose of cluster and the features it provides
Objective 1.10 – Describe virtual machine (VM) file structure
Objective 1.11 – Describe vMotion and Storage vMotion technology
Section 2 – VMware Products and Solutions
Objective 2.1 – Describe vSphere integration with other VMware products
Objective 2.2 – Describe HA solutions for vSphere
Objective 2.3 – Describe the options for securing a vSphere environment
Section 3 – There are no testable objectives for this section.
Section 4 – Installing, Configuring, and Setting Up a VMware vSphere Solution
Objective 4.1 – Understand basic log output from vSphere products
Objective 4.2 – Create and configure vSphere objects
Objective. 4.3 – Set up a content library
Objective 4.4 – Set up ESXi hosts
Objective 4.5 – Configure virtual networking
Objective 4.6 – Deploy and configure VMware vCenter Server Appliance (VCSA)
Objective 4.7 – Set up identity sources
Objective 4.8 – Configure an SSO domain
Section 5 – Performance-tuning and Optimizing a VMware vSphere Solution
Objective 5.1 – Determine effective snapshot use cases
Objective 5.2 – Monitor resources of VCSA in a vSphere environment
Objective 5.3 – Identify impacts of VM configurations
Section 6 – There are no testable objectives for this section.
Section 7 – Administrative and Operational Tasks in a VMware vSphere Solution
Objective 7.1 – Manage virtual networking
Objective 7.2 – Manage datastores
Objective 7.3 – Configure a storage policy
Objective 7.4 – Configure host security
Objective 7.5 – Configure role-based user management
Objective 7.6 – Configure and use vSphere Compute and Storage cluster options
Objective 7.7 – Perform different types of migrations
Objective 7.8 – Manage resources of a vSphere environment
Objective 7.9 – Create and manage VMs using different methods
Objective 7.10 – Create and manage templates
Objective 7.11 – Manage different VMware vCenter Server objects
Objective 7.12 – Setup permissions on datastores, clusters, vCenter, and hosts
Objective 7.13 – Identify and interpret affinity/anti affinity rules
Objective 7.14 – Understand use cases for alarms
Objective 7.15 – Utilize VMware vSphere Update Manager (VUM)
Objective 7.16 - Configure and manage host profiles



Killexams Review | Reputation | Testimonials | Feedback


Is there 2V0-21-19-PSE exam new sayllabus?
Before discovering this extremely good killexams.com, I become positive about the capabilities of the net. Once I made an account here I saw an entirely new world and that was the beginning of my hit streak. To get fully organized for my 2V0-21-19-PSE exams, I was given several exam questions/answers and a fixed trial to comply with which became very particular and complete. This assisted me in achieving success in my 2V0-21-19-PSE exam which turned into an extremely good feat. Thanks a lot for that.


Just tried 2V0-21-19-PSE examcollection once and I am convinced.
I have currently passed the 2V0-21-19-PSE exam with this package. this is a notable Answer in case you need a quick but dependable practice for 2V0-21-19-PSE exam. this is an expert degree, so count on which you still want to spend time gambling with Dumps - practical revel in is prime. Yet, as a long way and exam simulations cross, killexams.com is the winner. Their exam simulator truly simulates the exam, which includes the specific question sorts. It does make matters simpler, and in my case, I accept it as true with it contributed to me getting a 100% score! I could not believe my eyes! I knew I did well, but this became a surprise!!


Do not spend big amount on 2V0-21-19-PSE guides, get this question bank.
killexams.com from helped me get my 2V0-21-19-PSE companion affirmation. Their material is in reality beneficial, and the exam simulator is sincerely superb, it completely reproduces the exam. courses are pass very without problems the usage of the killexams.com exam material. The exam itself was unpredictable, so I am blissful I appliedkillexams.com questions and answers. Their packs spread all that I need, and that I will not get any unsavory shocks amid your exam. Thanx men.


Take a smart move, obtain these 2V0-21-19-PSE questions and answers.
I have these days passed the 2V0-21-19-PSE exam with this bundle. That could be a splendid Answer in case you need brief yet dependable coaching for 2V0-21-19-PSE exam. This is an expert stage, so anticipate which you though need to spend time playing with Dumps - sensible experience is essential. Yet, as a ways and exam simulations cross, killexams.com is the winner. Their exam simulator surely simulates the exam, which includes the precise query kinds. It does make matters much less complex, and in my case, I believe it contributed to me getting a 100% score! I could not bear in brain my eyes! I knew I did nicely, however, this has become a wonder!!


Where am i able to obtain unfastened 2V0-21-19-PSE cheat sheet and questions?
Thank you much killexams.com team, for making prepared awesome exercise tests for the 2V0-21-19-PSE exam. It is miles clear that without the killexams.com exam motor, undergrads can not ponder thought on taking the 2V0-21-19-PSE exam. I attempted many special dumps for my exam education. However, I could not find out myself assured sufficient for taking the 2V0-21-19-PSE exam. killexams.com exam guide makes clean exam preparing and offers self-conviction to the understudies for taking tests without an issue.


Vmware exam tricks

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 cheat sheet 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 trial questions and trial brain dumps, their exam simulator and you will definitely know that killexams.com is the best brain dumps site.

Is Killexams.com Legit?
You bet, Killexams is totally legit and even fully reliable. There are several features that makes killexams.com real and reliable. It provides up to par and totally valid cheat sheet formulated with real exams questions and answers. Price is really low as compared to the majority of the services on internet. The Dumps are modified on typical basis using most latest brain dumps. Killexams account launched and device delivery is very fast. Data file downloading is unlimited and intensely fast. Support is avaiable via Livechat and Email address. These are the features that makes killexams.com a sturdy website that include cheat sheet with real exams questions.



Which is the best braindumps site of 2022?
There are several Dumps 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 2022 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 Dumps with the same frequency as they are updated in Real Test. cheat sheet 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 courses of new syllabus, They recommend to get 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 Dumps will be provided in your get Account. You can get Premium cheat sheet 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 genuine Test. Go register for Test in Exam Center and Enjoy your Success.




C1000-010 genuine Questions | PEGAPCSA85V1 Dumps | AZ-140 dumps | RPFT examcollection | 312-50v10 exam prep | GASF bootcamp | 300-810 PDF Braindumps | DP-900 boot camp | DES-6332 dumps questions | 500-240 trial questions | CGEIT exam answers | HPE2-E72 test trial | CNA test example | 312-50v11 Free PDF | HPE2-E75 Latest courses | ADX-271 writing test questions | GCED practice questions | 143-425 cram | FSLCC training material | 2V0-21-19-PSE study guide |


2V0-21-19-PSE - Professional vSphere 6.7 exam 2021 Free PDF
2V0-21-19-PSE - Professional vSphere 6.7 exam 2021 exam Questions
2V0-21-19-PSE - Professional vSphere 6.7 exam 2021 Cheatsheet
2V0-21-19-PSE - Professional vSphere 6.7 exam 2021 exam success
2V0-21-19-PSE - Professional vSphere 6.7 exam 2021 cheat sheet
2V0-21-19-PSE - Professional vSphere 6.7 exam 2021 real questions
2V0-21-19-PSE - Professional vSphere 6.7 exam 2021 information hunger
2V0-21-19-PSE - Professional vSphere 6.7 exam 2021 tricks
2V0-21-19-PSE - Professional vSphere 6.7 exam 2021 certification
2V0-21-19-PSE - Professional vSphere 6.7 exam 2021 education
2V0-21-19-PSE - Professional vSphere 6.7 exam 2021 learn
2V0-21-19-PSE - Professional vSphere 6.7 exam 2021 syllabus
2V0-21-19-PSE - Professional vSphere 6.7 exam 2021 Question Bank
2V0-21-19-PSE - Professional vSphere 6.7 exam 2021 PDF Questions
2V0-21-19-PSE - Professional vSphere 6.7 exam 2021 PDF Dumps
2V0-21-19-PSE - Professional vSphere 6.7 exam 2021 education
2V0-21-19-PSE - Professional vSphere 6.7 exam 2021 learn
2V0-21-19-PSE - Professional vSphere 6.7 exam 2021 exam dumps
2V0-21-19-PSE - Professional vSphere 6.7 exam 2021 exam Braindumps
2V0-21-19-PSE - Professional vSphere 6.7 exam 2021 exam syllabus
2V0-21-19-PSE - Professional vSphere 6.7 exam 2021 syllabus
2V0-21-19-PSE - Professional vSphere 6.7 exam 2021 exam syllabus
2V0-21-19-PSE - Professional vSphere 6.7 exam 2021 exam dumps
2V0-21-19-PSE - Professional vSphere 6.7 exam 2021 questions
2V0-21-19-PSE - Professional vSphere 6.7 exam 2021 exam format
2V0-21-19-PSE - Professional vSphere 6.7 exam 2021 braindumps
2V0-21-19-PSE - Professional vSphere 6.7 exam 2021 test
2V0-21-19-PSE - Professional vSphere 6.7 exam 2021 braindumps
2V0-21-19-PSE - Professional vSphere 6.7 exam 2021 Dumps
2V0-21-19-PSE - Professional vSphere 6.7 exam 2021 exam syllabus
2V0-21-19-PSE - Professional vSphere 6.7 exam 2021 PDF Dumps
2V0-21-19-PSE - Professional vSphere 6.7 exam 2021 Study Guide
2V0-21-19-PSE - Professional vSphere 6.7 exam 2021 braindumps
2V0-21-19-PSE - Professional vSphere 6.7 exam 2021 test
2V0-21-19-PSE - Professional vSphere 6.7 exam 2021 study help
2V0-21-19-PSE - Professional vSphere 6.7 exam 2021 learning
2V0-21-19-PSE - Professional vSphere 6.7 exam 2021 PDF Braindumps
2V0-21-19-PSE - Professional vSphere 6.7 exam 2021 Free PDF
2V0-21-19-PSE - Professional vSphere 6.7 exam 2021 exam format
2V0-21-19-PSE - Professional vSphere 6.7 exam 2021 exam Questions
2V0-21-19-PSE - Professional vSphere 6.7 exam 2021 test
2V0-21-19-PSE - Professional vSphere 6.7 exam 2021 learn
2V0-21-19-PSE - Professional vSphere 6.7 exam 2021 information search
2V0-21-19-PSE - Professional vSphere 6.7 exam 2021 exam Questions
2V0-21-19-PSE - Professional vSphere 6.7 exam 2021 Free PDF
2V0-21-19-PSE - Professional vSphere 6.7 exam 2021 exam Questions
2V0-21-19-PSE - Professional vSphere 6.7 exam 2021 exam dumps
2V0-21-19-PSE - Professional vSphere 6.7 exam 2021 Test Prep
2V0-21-19-PSE - Professional vSphere 6.7 exam 2021 PDF Download
2V0-21-19-PSE - Professional vSphere 6.7 exam 2021 PDF Questions
2V0-21-19-PSE - Professional vSphere 6.7 exam 2021 braindumps
2V0-21-19-PSE - Professional vSphere 6.7 exam 2021 exam Questions
2V0-21-19-PSE - Professional vSphere 6.7 exam 2021 Practice Questions


2V0-31.21 exam Braindumps | 3V0-21.21 practice questions | 2V0-31.21 cram | 2V0-62.21 free exam papers | 2V0-62.21 exam Questions |


Best Certification cheat sheet You Ever Experienced


2V0-31.21 study questions | 5V0-62.19 Dumps | 2V0-21.20 questions answers | 5V0-21.20 boot camp | 2V0-62.21 practice questions | 2V0-61-19 question test | 2V0-51-19 free prep | 2V0-01.19 practice questions | 2V0-31.21 free pdf | VCP-101E exam prep | 2V0-21.21 braindumps | VCP-101V practice exam | VCA410-DT cbt | 5V0-61.19 examcollection | 3V0-42.20 certification trial | 1V0-41.20 exam prep | 5V0-34.19 online exam | 3V0-21.21 assessment test trial | 2V0-21-19D Free PDF | 2V0-41.20 cheat sheet |





References :


https://arfansaleemfan.blogspot.com/2020/08/2v0-21-19-pse-professional-vsphere-67.html
https://drp.mk/i/hSzsNc468
http://encodinghub.com/boostseo/story.php?title=killexams-2v0-21-19-pse-real-questions-%7C-pass4sure-2v0-21-19-pse-exam-dumps
https://killexams.com/datafiles/rss/2V0-21-19-PSE-rss.xml
https://ello.co/killexamz/post/1tdugobw1dzj8stzpmhcoq
https://www.academia.edu/43950740/2V0_21_19_PSE_Professional_vSphere_6_7_Exam_2020_Practice_Test_with_Real_Question
http://feedback.eng.umd.edu/forums/923677-eitc-2019-topics?query=2V0-21-19-PSE%20-%20Professional%20vSphere%206.7%20Exam%202020%20Question%20Bank%20with%20Real%20Questions
https://files.fm/u/8dpj98sp
https://www.coursehero.com/file/67021823/Professional-vSphere-6-7-Exam-2020-2V0-21-19-PSEpdf/
https://sites.google.com/view/killexams-2v0-21-19-pse-actual
https://justpaste.it/2V0-21-19-PSE
https://www.instapaper.com/read/1397958181
https://spaces.hightail.com/space/YV0On4zWjy/files/fi-d979fa3c-7477-4754-9b00-c6680ec1f99f/fv-5e0cfa42-d761-42d3-817e-5f3ea03e03a1/Professional-vSphere-6-7-Exam-2020-(2V0-21-19-PSE).pdf#pageThumbnail-1



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






Direct Download

2V0-21-19-PSE 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.

2V0-21-19-PSE Reviews

100% Valid and Up to Date 2V0-21-19-PSE 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