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 300-815?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der 300-815: Implementing Cisco Advanced Call Control and Mobility Services (CLACCM) - CCNP Prüfung.

2022 Updated Actual 300-815 questions as experienced in Test Center

Laden Sie 300-815 Übungstest und aktuelle Fragen herunter | easyfinanz

Implementing Cisco Advanced Call Control and Mobility Services (CLACCM) - CCNP real questions with Latest 300-815 practice exams | https://www.easyfinanz.cc/

Cisco 300-815 : Implementing Cisco Advanced Call exam Dumps

Exam Dumps Organized by Martha nods



Latest 2022 Updated Syllabus
300-815 quiz test | Latest Braindumps with genuine Questions

Real Questions from Latest courses of 300-815 - Updated Daily - 100% Pass Guarantee



300-815 trial Questions : Download 100% Free 300-815 quiz test (PDF and VCE)

Exam Number : 300-815
Exam Name : Implementing Cisco Advanced Call Control and Mobility Services (CLACCM) - CCNP
Vendor Name : Cisco
Update : Click Here to Check Latest Update
Question Bank : Check Questions

Thanks to totally valid or over to date 300-815 real questions by means of killexams. com
You and me have been focused on providing caught up and legitimate Implementing Cisco Advanced Call Control and Mobility Services (CLACCM) - CCNP exam questions as well as solutions, along with details. Each and every 300-815 Inquiries plus Responses on killexams.com has already been Verified simply by Cisco specialists. They upgrade plus put new 300-815 queries when they observe that will there is a modification inside real check out. Which is crucial to their accomplishment and popularity.

If you take the tour on the web for 300-815 real questions, you will see that a lot of the websites can advertise outdated braindumps with current tags. This will likely become quite harmful in case you rely on these kinds of cheat sheet. There are several affordable sellers on the web that down load free 300-815 PDF from the net and sell within little value. You will spend huge money when you ponder on that very little charge to get 300-815 real questions. Most of us generally guideline contenders towards the correct study course. Try not to reserve that very little cash and also face the big challenge on the bombing lab tests. Simply opt for genuine and legit 300-815 real questions suppliers and also get extraordinary and large duplicates regarding 300-815 genuine test concerns. They assistance killexams.com as the very best provider regarding 300-815 cheat sheet that will be your personal life-saving choice. It will save from area of the confusion plus the risk of how to pick a terrible braindumps supplier. Ideas dependable, reinforced, legitimate, modern-day, and strong 300-815 real questions that will definitely work within genuine 300-815 tests. Down the road, you will not appear on the web, you are going to straight arrive at killexams.com for your foreseeable future confirmation tutorials.

Features of Killexams 300-815 real questions
-> 300-815 real questions get Easy access in just your five min.
-> Total 300-815 Concerns Bank
-> 300-815 exam Accomplishment ensure
-> Assured genuine 300-815 exam concerns
-> Latest and also 2022 current 300-815 Concerns and Solutions
-> Latest 2022 300-815 Syllabus
-> get 300-815 exam Data files anywhere
-> Endless 300-815 VCE exam Sim Access
-> Absolutely no Limit upon 300-815 Assessment get
-> Excellent Discount Coupons
-> fully Secure Buy
-> 100% Private.
-> 100% Free of charge PDF Download model Questions
-> Absolutely no Hidden Price
-> No Regular monthly Subscription
-> Absolutely no Auto Restoration
-> 300-815 Assessment Update Excitation by E mail
-> Free Tech support team

Discounted Coupon upon Full 300-815 real questions PDF Download;
WC2020: 60% Level Discount to each of your exam
PROF17: 10% Further more Discount upon Value A lot more than $69
DEAL17: 15% Further more Discount upon Value A lot more than $99







300-815 exam Format | 300-815 Course Contents | 300-815 Course Outline | 300-815 exam Syllabus | 300-815 exam Objectives


300-815 CLACCM Exam: Implementing Cisco Advanced Call Control and Mobility Services

Exam Description
The Implementing Cisco Advanced Call Control and Mobility Services v1.0 (CLACCM 300-815) exam is a 90-minute exam associated with the CCNP Collaboration and Cisco Certified Specialist - Collaboration Call Control & Mobility Implementation certifications. This exam tests a candidate's knowledge of advanced call control and mobility services, including signaling and media protocols, CME/SRST gateway technologies, Cisco Unified Board Element, call control and dial planning, Cisco Unified CM Call Control, and mobility. The course, Implementing Cisco Advanced Call Control and Mobility Services, helps candidates to prepare for this exam.

20% 1.0 Signaling and Media Protocols
1.1 Troubleshoot these elements of a SIP conversation
1.1.a Early media
1.1.b PRACK
1.1.c Mid-call signaling (hold/resume, call transfer, conferencing)
1.1.d Session timers
1.1.e UPDATE
1.2 Troubleshoot these H.323 protocol elements
1.2.a DTMF
1.2.b Call set up and tear down
1.3 Troubleshoot media establishment
10% 2.0 CME/SRST Gateway Technologies
2.1 Configure Cisco Unified Communications Manager Express for SIP phone registration
2.2 Configure Cisco Unified CME dial plans
2.3 Implement toll fraud prevention
2.4 Configure these advanced Cisco Unified CME features
2.4.a Hunt groups
2.4.b Call park
2.4.c Paging
2.5 Configure SIP SRST gateway
15% 3.0 Cisco Unified Border Element
3.1 Configure these Cisco Unified Border Element dial plan elements
3.1.a DTMF
3.1.b Voice translation rules and profiles
3.1.c Codec preference list
3.1.d Dial peers
3.1.e Header and SDP manipulation with SIP profiles
3.1.f Signaling and media bindings
3.2 Troubleshoot these Cisco Unified Border Element dial plan elements
3.2.a DTMF
3.2.b Voice translation rules and profiles
3.2.c Codec preference list
3.2.d Dial peers
3.2.e Header and SDP manipulation with SIP profiles
3.2.f Signaling and media bindings
25% 4.0 Call Control and Dial Planning
4.1 Configure these globalized call routing elements in Cisco Unified Communications Manager
4.1.a Translation patterns
4.1.b Route patterns
4.1.c SIP route patterns
4.1.d Transformation patterns
4.1.e Standard local route group
4.1.f TEHO
4.1.g SIP trunking
4.2 Troubleshoot these globalized call routing elements in Cisco Unified Communications Manager
4.2.a Translation patterns
4.2.b Route patterns
4.2.c SIP route patterns
4.2.d Transformation patterns
4.2.e Standard local route group
4.2.f TEHO
4.2.g SIP trunking
20% 5.0 Cisco Unified CM Call Control Features
5.1 Troubleshoot Call Admission Control (exclude RSVP)
5.2 Configure ILS, URI synchronization, and GDPR
5.3 Configure hunt groups
5.4 Configure call queuing
5.5 Configure time of day routing
5.6 Configure supplementary functions
5.6.a Call park
5.6.b Meet-me
5.6.c Call pick-up
10% 6.0 Mobility
6.1 Configure Cisco Unified Communications Manager Mobility
6.1.a Unified Mobility
6.1.b Extension Mobility
6.1.c Device Mobility
6.2 Troubleshoot Cisco Unified Communications Manager Mobility
6.2.a Unified Mobility
6.2.b Extension Mobility
6.2.c Device Mobility



Killexams Review | Reputation | Testimonials | Feedback


Did you tried these 300-815 genuine question and study guide.
I passed 300-815 exam inside weeks, thanks in your exquisite braindumps have an exam material. Score 96%. I am very assured now that I can do higher in my last three tests and use your exercise material and suggest it to my friends. Thank you very a bit for your outstanding exam simulator product.


Where am i able to obtain unfastened 300-815 quiz test and questions?
I sincerely Thank you. I have passed the 300-815 exam with the help of your mock exams. It comes to be very an awful lot beneficial. I Truly should endorse to people who are going to appear the 300-815.


Its right to read books for 300-815 exam, however make sure your success with these Questions and Answers.
Applicants spend months seeking to get themselves organized for his or her 300-815 exams however for me it changed into just a day's work. You will wonder how a person will be able to finish this form of Great venture in only an afternoon allow me to permit you to understand, all I needed to do become sign on my


Right vicinity to find 300-815 genuine test questions paper.
300-815 exam was tough for me as I was not getting enough time for the preparation. Finding no way out, I took help from the dump. I also took help from the Official Certification Guide. The dump was amazing. It dealt with all the courses in an easy and friendly manner. Could get through most of them with little effort. Answered all the questions in just 81 minutes and got 97% marks. Felt satisfied. Thanks a lot to killexams.com for their priceless guidance.


Nice to pay attention that updated dumps of 300-815 exam are available.
Marks of 86% turned into beyond my desire in all of the questions inside due time I got around 90% questions practically equal to the killexams.com dumps. My preparation becomes maximum notably awful with the complex courses I was looking down on some solid easy material for the exam 300-815. I commenced perusing the Dumps and killexams.com repaired my troubles.


Cisco Implementing exam Questions



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 quiz test 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?
Sure, Killexams is fully legit together with fully reputable. There are several characteristics that makes killexams.com authentic and respectable. It provides up to date and fully valid quiz test filled with real exams questions and answers. Price is surprisingly low as compared to a lot of the services online. The mock test are up-to-date on normal basis along with most recent brain dumps. Killexams account set up and products delivery is extremely fast. File downloading is usually unlimited and intensely fast. Aid is avaiable via Livechat and Electronic mail. These are the features that makes killexams.com a strong website which provide quiz test 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 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 mock test with the same frequency as they are updated in Real Test. quiz test 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 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 mock test will be provided in your get Account. You can get Premium quiz test files as many times as you want, There is no limit.

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




H11-861-ENU cheat sheet pdf | DES-1423 test prep | 500-240 question test | Salesforce-Certified-User-Experience-Designer quiz test | CCJE real questions | 500-701 PDF Dumps | AZ-120 exam prep | JN0-222 assessment test trial | ITILFND free pdf | JN0-553 free pdf get | ARA01 trial questions | PCCSE training material | SC-200 exam preparation | QSBA2018 cram | DP-100 test questions | HPE6-A70 practice exam | 1Z0-933 Test Prep | 500-901 exam Braindumps | DA-100 exam results | NSE4_FGT-6.2 exam tips |


300-815 - Implementing Cisco Advanced Call Control and Mobility Services (CLACCM) - CCNP Practice Test
300-815 - Implementing Cisco Advanced Call Control and Mobility Services (CLACCM) - CCNP exam Questions
300-815 - Implementing Cisco Advanced Call Control and Mobility Services (CLACCM) - CCNP exam Questions
300-815 - Implementing Cisco Advanced Call Control and Mobility Services (CLACCM) - CCNP course outline
300-815 - Implementing Cisco Advanced Call Control and Mobility Services (CLACCM) - CCNP exam Braindumps
300-815 - Implementing Cisco Advanced Call Control and Mobility Services (CLACCM) - CCNP exam Cram
300-815 - Implementing Cisco Advanced Call Control and Mobility Services (CLACCM) - CCNP exam Braindumps
300-815 - Implementing Cisco Advanced Call Control and Mobility Services (CLACCM) - CCNP test
300-815 - Implementing Cisco Advanced Call Control and Mobility Services (CLACCM) - CCNP PDF Download
300-815 - Implementing Cisco Advanced Call Control and Mobility Services (CLACCM) - CCNP exam contents
300-815 - Implementing Cisco Advanced Call Control and Mobility Services (CLACCM) - CCNP exam Questions
300-815 - Implementing Cisco Advanced Call Control and Mobility Services (CLACCM) - CCNP guide
300-815 - Implementing Cisco Advanced Call Control and Mobility Services (CLACCM) - CCNP certification
300-815 - Implementing Cisco Advanced Call Control and Mobility Services (CLACCM) - CCNP guide
300-815 - Implementing Cisco Advanced Call Control and Mobility Services (CLACCM) - CCNP exam
300-815 - Implementing Cisco Advanced Call Control and Mobility Services (CLACCM) - CCNP information hunger
300-815 - Implementing Cisco Advanced Call Control and Mobility Services (CLACCM) - CCNP information search
300-815 - Implementing Cisco Advanced Call Control and Mobility Services (CLACCM) - CCNP Study Guide
300-815 - Implementing Cisco Advanced Call Control and Mobility Services (CLACCM) - CCNP test
300-815 - Implementing Cisco Advanced Call Control and Mobility Services (CLACCM) - CCNP Cheatsheet
300-815 - Implementing Cisco Advanced Call Control and Mobility Services (CLACCM) - CCNP braindumps
300-815 - Implementing Cisco Advanced Call Control and Mobility Services (CLACCM) - CCNP braindumps
300-815 - Implementing Cisco Advanced Call Control and Mobility Services (CLACCM) - CCNP guide
300-815 - Implementing Cisco Advanced Call Control and Mobility Services (CLACCM) - CCNP Free PDF
300-815 - Implementing Cisco Advanced Call Control and Mobility Services (CLACCM) - CCNP real questions
300-815 - Implementing Cisco Advanced Call Control and Mobility Services (CLACCM) - CCNP dumps
300-815 - Implementing Cisco Advanced Call Control and Mobility Services (CLACCM) - CCNP course outline
300-815 - Implementing Cisco Advanced Call Control and Mobility Services (CLACCM) - CCNP Cheatsheet
300-815 - Implementing Cisco Advanced Call Control and Mobility Services (CLACCM) - CCNP test prep
300-815 - Implementing Cisco Advanced Call Control and Mobility Services (CLACCM) - CCNP exam Cram
300-815 - Implementing Cisco Advanced Call Control and Mobility Services (CLACCM) - CCNP certification
300-815 - Implementing Cisco Advanced Call Control and Mobility Services (CLACCM) - CCNP Free PDF
300-815 - Implementing Cisco Advanced Call Control and Mobility Services (CLACCM) - CCNP learn
300-815 - Implementing Cisco Advanced Call Control and Mobility Services (CLACCM) - CCNP certification
300-815 - Implementing Cisco Advanced Call Control and Mobility Services (CLACCM) - CCNP exam dumps
300-815 - Implementing Cisco Advanced Call Control and Mobility Services (CLACCM) - CCNP PDF Braindumps
300-815 - Implementing Cisco Advanced Call Control and Mobility Services (CLACCM) - CCNP techniques
300-815 - Implementing Cisco Advanced Call Control and Mobility Services (CLACCM) - CCNP book
300-815 - Implementing Cisco Advanced Call Control and Mobility Services (CLACCM) - CCNP book
300-815 - Implementing Cisco Advanced Call Control and Mobility Services (CLACCM) - CCNP Cheatsheet
300-815 - Implementing Cisco Advanced Call Control and Mobility Services (CLACCM) - CCNP exam format
300-815 - Implementing Cisco Advanced Call Control and Mobility Services (CLACCM) - CCNP Practice Questions
300-815 - Implementing Cisco Advanced Call Control and Mobility Services (CLACCM) - CCNP exam contents
300-815 - Implementing Cisco Advanced Call Control and Mobility Services (CLACCM) - CCNP learning
300-815 - Implementing Cisco Advanced Call Control and Mobility Services (CLACCM) - CCNP techniques
300-815 - Implementing Cisco Advanced Call Control and Mobility Services (CLACCM) - CCNP Test Prep
300-815 - Implementing Cisco Advanced Call Control and Mobility Services (CLACCM) - CCNP PDF Dumps
300-815 - Implementing Cisco Advanced Call Control and Mobility Services (CLACCM) - CCNP PDF Download
300-815 - Implementing Cisco Advanced Call Control and Mobility Services (CLACCM) - CCNP Questions and Answers
300-815 - Implementing Cisco Advanced Call Control and Mobility Services (CLACCM) - CCNP information source
300-815 - Implementing Cisco Advanced Call Control and Mobility Services (CLACCM) - CCNP information source
300-815 - Implementing Cisco Advanced Call Control and Mobility Services (CLACCM) - CCNP Cheatsheet
300-815 - Implementing Cisco Advanced Call Control and Mobility Services (CLACCM) - CCNP questions


300-435 VCE exam | 300-710 examcollection | 350-801 test exam | 300-430 VCE exam | 300-615 study guide | 300-410 quiz test | 820-605 practice exam | 300-815 real questions | 300-820 past exams | 700-765 cbt | 200-201 cheat sheet | 200-901 dump | 350-701 dumps collection | 200-301 mock test | 350-401 PDF get | 500-701 practice exam | 300-810 online exam | 300-415 exam Questions | 350-901 online exam | 300-425 free exam papers |


Best Certification quiz test You Ever Experienced


600-601 Real exam Questions | 500-470 questions answers | CICSP exam tips | 700-105 braindumps | 300-810 trial test questions | 300-425 study guide | 300-715 Latest Questions | 700-265 cheat sheet | 100-490 prep questions | 700-150 VCE exam | 300-635 dump | 700-765 online exam | 300-535 PDF get | 700-020 exam Questions | 500-440 exam Cram | 700-701 test trial | 350-901 questions get | 300-625 test questions | 200-301 test exam | 300-215 test prep |





References :


http://killexams-braindumps.blogspot.com/2020/07/exam-braindumps-of-real-300-815.html
https://www.instapaper.com/read/1324032619
https://ello.co/killexamz/post/mmiopqrhboqq7vaenle-gg
https://www.4shared.com/video/cVOecFGvea/Implementing-Cisco-Advanced-Ca.html
https://www.4shared.com/office/1ewcDa2Qea/Implementing-Cisco-Advanced-Ca.html
http://encodinghub.com/boostseo/story.php?title=killexams-300-815-real-questions-%7C-pass4sure-300-815-exam-dumps
http://feeds.feedburner.com/PreciselySameDea-2tt3QuestionsAsInRealTestWtf
https://drp.mk/i/HHYTncv8nZ
https://www.clipsharelive.com/video/3061/300-815-implementing-cisco-advanced-call-control-and-mobility-services-claccm-ccnp-2020-updated-dumps-by-killexams
http://ge.tt/3O4uhi83
https://www.coursehero.com/file/73823053/Implementing-Cisco-Advanced-Call-Control-and-Mobility-Services-CLACCM-300-815pdf/
https://youtu.be/RrIlyj3oPZs
https://justpaste.it/300-815
https://sites.google.com/view/killexams-300-815-pdf-brain-du
https://spaces.hightail.com/space/v47qz1ixkg/files/fi-3d29abc1-44bc-4825-99cf-6aee8b2ea5c5/fv-1c79cd67-8dff-4db6-96cb-eca3e62b8740/Implementing-Cisco-Advanced-Call-Control-and-Mobility-Services-CLACCM-(300-815).pdf#pageThumbnail-1
https://files.fm/f/vjqdux332
http://killexams.decksrusct.com/blog/certification-exam-dumps/300-815-implementing-cisco-advanced-call-control-and-mobility-services-claccm-ccnp-real-exam-questions-and-answers-by-killexams-com/



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






Direct Download

300-815 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.

300-815 Reviews

100% Valid and Up to Date 300-815 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