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 3M00030A?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der 3M00030A: Avaya Contact Center Select (ACCS) Avaya Professional Design Specialist (APDS) Online Test Prüfung.

2023 Updated Actual 3M00030A questions as experienced in Test Center

Laden Sie 3M00030A Übungstest und aktuelle Fragen herunter - easy finanz | easyfinanz

Avaya Contact Center Select (ACCS) Avaya Professional Design Specialist (APDS) Online Test practice questions with Latest 3M00030A practice questions | https://www.easyfinanz.cc/

Avaya 3M00030A : Avaya Contact Center Select (ACCS) test Dumps

Exam Dumps Organized by Martha nods



Latest 2022 Updated Syllabus
3M00030A test Dumps | Latest Braindumps with genuine Questions

Real Questions from Latest courses of 3M00030A - Updated Daily - 100% Pass Guarantee



3M00030A demo Questions : Download 100% Free 3M00030A test Dumps (PDF and VCE)

Exam Number : 3M00030A
Exam Name : Avaya Contact Center Select (ACCS) Avaya Professional Design Specialist (APDS) Online Test
Vendor Name : Avaya
Update : Click Here to Check Latest Update
Question Bank : Check Questions

Download these days free 3M00030A Question Bank along with Free test PDF
Together with killexams.com, they all present completely legitimate Avaya Avaya Contact Center Select (ACCS) Avaya Professional Design Specialist (APDS) Online Test PDF Download which might be lately required for Transferring 3M00030A test. They really individuals to enhance their 3M00030A knowledge to be able to memorize the particular Test Prep plus be sure absolutely success inside particular test. It is absolutely the best choice to be able to accelerate your own personal position being a good professional in the distinct Industry together with 3M00030A documentation.

Breezing via Avaya Avaya Contact Center Select (ACCS) Avaya Professional Design Specialist (APDS) Online Test test are expecting you to make your own insight just about all middle subjects as well as destinations associated with 3M00030A analyze. Simply practicing 3M00030A coursebook adequately is absolutely not. You are required to possess knowledge as well as practice concerning tricky questions asked inside genuine 3M00030A exam. For this specific purpose, you should visit killexams.com and acquire Free 3M00030A PDF Actual Questions demo inquiries. If you think that you could understand as well as practice individuals 3M00030A inquiries, you should get a record in order to download complete Real test Questions associated with 3M00030A Practice Test. That is your amazing advance regarding progress. Down load and expose 3M00030A VCE practice analyze on your PC. Study 3M00030A Exam Cram and take practice exams as often as you possibly can with VCE practice analyze. At the position when you think that you are ready to finish the genuine 3M00030A analyze, go to analyze focus as well as register for 3M00030A test.

Top features of Killexams 3M00030A Exam Cram
-> Fast 3M00030A Exam Cram download Easy access
-> Comprehensive 3M00030A Questions as well as Answers
-> 98% Success Level of 3M00030A test
-> Secured genuine 3M00030A test questions
-> 3M00030A Concerns Updated upon Regular time frame.
-> Valid as well as 2022 Up to date 3M00030A Assessment Dumps
-> totally Portable 3M00030A test Data
-> Full highlighted 3M00030A VCE test Sim
-> No Restrict on 3M00030A test Down load Access
-> Good Discount Coupons
-> totally Secured Down load Account
-> totally Confidentiality Guaranteed
-> 100% Good results certain
-> totally Free Dumps demo Questions
-> No Invisible Cost
-> Absolutely no Monthly Expenses
-> No Programmed Account Restoration
-> 3M00030A Assessment Update Appel by E-mail
-> Free Tech support team

Assessment Detail from: https://killexams.com/pass4sure/exam-detail/3M00030A
Charges Details from: https://killexams.com/exam-price-comparison/3M00030A
Notice Complete Checklist: https://killexams.com/vendors-exam-list

Discount Voucher on Entire 3M00030A Exam Cram Dumps;
WC2020: 60 per cent Flat Low cost on each quiz
PROF17: 10% Further Low cost on Price Greater than $69
DEAL17: 15% Further Low cost on Price Greater than 99 dollars







3M00030A test Format | 3M00030A Course Contents | 3M00030A Course Outline | 3M00030A test Syllabus | 3M00030A test Objectives


Avaya Professional Sales & Design Credential availability
 Avaya Certified Design Credential availability
 Test Preparation and Foundational Knowledge
 Credential Program Policies and Procedures
 Information on the Avaya Credential Management System which allows credential holders to access their credential transcripts, download certificates and logos as well as publish credential verification reports for viewing by authorized 3rd parties.
 Registration of Online Tests
 News Highlights covering the most exact enhancements to Avaya Learning Center
offerings and Avaya Professional Credential Program

Avaya Professional Design Specialist (APDS) Description
This credential validates that the candidate has an introductory level of technical proficiency necessary to create specific designs and build foundational knowledge for solution designs based on the customer requirements.

Qualified candidates typically have technical awareness and understanding of solutions and products within a portfolio and the credential will aid them in understanding:
 Understand typical customer issues and trends in the target market.
 Discuss the products in a portfolio and explain the role they play in a solution:
functionalities, capabilities, interdependencies, integration, interoperability, upgrade/migration requirements.
 Describe the value and functionalities a solution made up by the products in a portfolio bring to the customer.
 Discuss the available services and support (ProServ and/or AGS) options for a product or solution.
 Describe licensing options.
 Compare, contrast and position a solution over a competitor.
 Conduct application discovery.
 Clarify customers request, current configuration and future needs.
This credential is valid for two years, uses online test(s) and is reserved exclusively for Avaya Channel Partners and Associates.



Killexams Review | Reputation | Testimonials | Feedback


Take these 3M00030A Questions Answers in advance than you visit holidays for study prep.
With the simplest two weeks to move for my 3M00030A exam, I felt so helpless considering my wrong education. however, needed to pass the test badly as I wished to alternate my task. eventually, I found the Questions Answers by way ofkillexams.com which eliminated my issues. The Questions Answers of the guide were rich and particular. The easy and quick answers helped make out the subjects without problems. awesome guide, killexams. also took help from 3M00030A reliable Cert guide and it helped.


Take complete benefit updated 3M00030A real test Questions Answers and get certified.
I appreciate the struggles made in developing the test simulator. Great. I passed my 3M00030A test specifically with Questions Answers provided using the manner of killexams.com crew


Proper location to get 3M00030A real study question paper.
It was the time when I was scanning for the internet test simulator, to take my 3M00030A exam. I answered all questions in just 90 minutes. It was great to realize that killexams.com Questions Answers had all the vital material that was needed for the exam. The material of killexams.com was effective to the point that I passed my exam. When I was told about killexams.com Questions Answers by one of my colleagues, I was hesitant to utilize them so I chose to download the demos to start with, and test whether I can get the right help for the 3M00030A exam.


Tips and Tricks to certify 3M00030A test with high scores.
killexams.com offers reliable IT test dumps, I have been the usage of them for years. This test is no exception: I passed 3M00030A using killexams.com questions/answers and test simulator. The whole lot people say is right: the questions are real, that is a reliable braindump, Truly valid. And I have simplest heard appropriate matters about their customer service, however, for my part, I by no means had problems that will lead me to touch them inside the first vicinity. Tremendous.


100% free dumps of 3M00030A test for you to test.
I have a superb report affirmation as killexams.com dumps. I am incredibly thankful to the instructors here for being so fair and very much discarded and aiding me in breezing through my incredible test 3M00030A. I addressed all questions in the test. This equivalent bearing was given to me in the midst of my tests and it did not have an effect whether it was day or night, every one of my questions was answered.


Avaya Select PDF Download



Whilst it is very hard task to choose reliable test Questions Answers 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 demo 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 percent legit and even fully reliable. There are several capabilities that makes killexams.com realistic and respectable. It provides current and 100 percent valid test dumps made up of real exams questions and answers. Price is surprisingly low as compared to most of the services on internet. The Questions Answers are up-to-date on frequent basis along with most exact brain dumps. Killexams account arrangement and solution delivery is incredibly fast. Data file downloading is actually unlimited and very fast. Help is avaiable via Livechat and Email address. These are the characteristics that makes killexams.com a strong website that include test dumps with real exams questions.



Which is the best braindumps site of 2022?
There are several Questions Answers 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 download sites or reseller sites. Thats why killexams.com update test Questions Answers 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 courses of new syllabus, They recommend to download 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 Questions Answers will be provided in your download Account. You can download 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.




Google-IQ question test | Salesforce-Experience-Cloud-Consultant genuine Questions | VMCE2021 cheat sheet pdf | 300-615 dumps | H13-511 bootcamp | GMAT demo questions | Pardot-Consultant practice questions | JN0-104 test dumps | NS0-184 test test | 156-115.80 pdf download | CBDH free pdf download | DP-203 practice test | Service-Cloud-Consultant practice test | MO-201 test results | EADC test dumps | 4A0-M05 brain dumps | MCPA-Level-1 dump | HPE0-S54 test prep | Servicenow-CIS-HR study questions | AD0-E106 test papers |


3M00030A - Avaya Contact Center Select (ACCS) Avaya Professional Design Specialist (APDS) Online Test study help
3M00030A - Avaya Contact Center Select (ACCS) Avaya Professional Design Specialist (APDS) Online Test testing
3M00030A - Avaya Contact Center Select (ACCS) Avaya Professional Design Specialist (APDS) Online Test Real test Questions
3M00030A - Avaya Contact Center Select (ACCS) Avaya Professional Design Specialist (APDS) Online Test course outline
3M00030A - Avaya Contact Center Select (ACCS) Avaya Professional Design Specialist (APDS) Online Test testing
3M00030A - Avaya Contact Center Select (ACCS) Avaya Professional Design Specialist (APDS) Online Test Latest Questions
3M00030A - Avaya Contact Center Select (ACCS) Avaya Professional Design Specialist (APDS) Online Test test format
3M00030A - Avaya Contact Center Select (ACCS) Avaya Professional Design Specialist (APDS) Online Test Real test Questions
3M00030A - Avaya Contact Center Select (ACCS) Avaya Professional Design Specialist (APDS) Online Test learn
3M00030A - Avaya Contact Center Select (ACCS) Avaya Professional Design Specialist (APDS) Online Test Questions and Answers
3M00030A - Avaya Contact Center Select (ACCS) Avaya Professional Design Specialist (APDS) Online Test PDF Download
3M00030A - Avaya Contact Center Select (ACCS) Avaya Professional Design Specialist (APDS) Online Test Latest Topics
3M00030A - Avaya Contact Center Select (ACCS) Avaya Professional Design Specialist (APDS) Online Test Real test Questions
3M00030A - Avaya Contact Center Select (ACCS) Avaya Professional Design Specialist (APDS) Online Test cheat sheet
3M00030A - Avaya Contact Center Select (ACCS) Avaya Professional Design Specialist (APDS) Online Test PDF Braindumps
3M00030A - Avaya Contact Center Select (ACCS) Avaya Professional Design Specialist (APDS) Online Test information search
3M00030A - Avaya Contact Center Select (ACCS) Avaya Professional Design Specialist (APDS) Online Test test Questions
3M00030A - Avaya Contact Center Select (ACCS) Avaya Professional Design Specialist (APDS) Online Test exam
3M00030A - Avaya Contact Center Select (ACCS) Avaya Professional Design Specialist (APDS) Online Test exam
3M00030A - Avaya Contact Center Select (ACCS) Avaya Professional Design Specialist (APDS) Online Test tricks
3M00030A - Avaya Contact Center Select (ACCS) Avaya Professional Design Specialist (APDS) Online Test learn
3M00030A - Avaya Contact Center Select (ACCS) Avaya Professional Design Specialist (APDS) Online Test Practice Questions
3M00030A - Avaya Contact Center Select (ACCS) Avaya Professional Design Specialist (APDS) Online Test braindumps
3M00030A - Avaya Contact Center Select (ACCS) Avaya Professional Design Specialist (APDS) Online Test PDF Braindumps
3M00030A - Avaya Contact Center Select (ACCS) Avaya Professional Design Specialist (APDS) Online Test Free test PDF
3M00030A - Avaya Contact Center Select (ACCS) Avaya Professional Design Specialist (APDS) Online Test answers
3M00030A - Avaya Contact Center Select (ACCS) Avaya Professional Design Specialist (APDS) Online Test Dumps
3M00030A - Avaya Contact Center Select (ACCS) Avaya Professional Design Specialist (APDS) Online Test Study Guide
3M00030A - Avaya Contact Center Select (ACCS) Avaya Professional Design Specialist (APDS) Online Test PDF Braindumps
3M00030A - Avaya Contact Center Select (ACCS) Avaya Professional Design Specialist (APDS) Online Test learn
3M00030A - Avaya Contact Center Select (ACCS) Avaya Professional Design Specialist (APDS) Online Test book
3M00030A - Avaya Contact Center Select (ACCS) Avaya Professional Design Specialist (APDS) Online Test PDF Questions
3M00030A - Avaya Contact Center Select (ACCS) Avaya Professional Design Specialist (APDS) Online Test braindumps
3M00030A - Avaya Contact Center Select (ACCS) Avaya Professional Design Specialist (APDS) Online Test PDF Braindumps
3M00030A - Avaya Contact Center Select (ACCS) Avaya Professional Design Specialist (APDS) Online Test test contents
3M00030A - Avaya Contact Center Select (ACCS) Avaya Professional Design Specialist (APDS) Online Test answers
3M00030A - Avaya Contact Center Select (ACCS) Avaya Professional Design Specialist (APDS) Online Test testing
3M00030A - Avaya Contact Center Select (ACCS) Avaya Professional Design Specialist (APDS) Online Test information source
3M00030A - Avaya Contact Center Select (ACCS) Avaya Professional Design Specialist (APDS) Online Test techniques
3M00030A - Avaya Contact Center Select (ACCS) Avaya Professional Design Specialist (APDS) Online Test test contents
3M00030A - Avaya Contact Center Select (ACCS) Avaya Professional Design Specialist (APDS) Online Test test
3M00030A - Avaya Contact Center Select (ACCS) Avaya Professional Design Specialist (APDS) Online Test education
3M00030A - Avaya Contact Center Select (ACCS) Avaya Professional Design Specialist (APDS) Online Test test Cram
3M00030A - Avaya Contact Center Select (ACCS) Avaya Professional Design Specialist (APDS) Online Test braindumps
3M00030A - Avaya Contact Center Select (ACCS) Avaya Professional Design Specialist (APDS) Online Test Free PDF
3M00030A - Avaya Contact Center Select (ACCS) Avaya Professional Design Specialist (APDS) Online Test test Questions
3M00030A - Avaya Contact Center Select (ACCS) Avaya Professional Design Specialist (APDS) Online Test information search
3M00030A - Avaya Contact Center Select (ACCS) Avaya Professional Design Specialist (APDS) Online Test test Questions
3M00030A - Avaya Contact Center Select (ACCS) Avaya Professional Design Specialist (APDS) Online Test PDF Questions
3M00030A - Avaya Contact Center Select (ACCS) Avaya Professional Design Specialist (APDS) Online Test braindumps
3M00030A - Avaya Contact Center Select (ACCS) Avaya Professional Design Specialist (APDS) Online Test course outline
3M00030A - Avaya Contact Center Select (ACCS) Avaya Professional Design Specialist (APDS) Online Test Free test PDF
3M00030A - Avaya Contact Center Select (ACCS) Avaya Professional Design Specialist (APDS) Online Test Test Prep


71301X online test | 3171T practice questions | 31860X Study Guide | 46150T cheat sheets | 156-215.81 practice questions | 44202T test results | 71201X assessment test demo | 78201X test questions |


Best Certification test Dumps You Ever Experienced


3M00030A demo test | 7003 practice test | 132-S-911.2 practice test | 3V00290A braindumps | 156-215.81 dumps questions | 133-S-713.4 assessment test demo | 132-S-800-1 questions answers | 3314 test prep | 3C00120A test papers | 7303-1 test practice | 2U00210A dump | 7492X practice questions | 7141X past exams | 132-S-70 test test | 7004-1 boot camp | 7230X PDF Questions | 3312 questions download | 7765X test questions | 7130X Free PDF | 7595X practice questions |





References :


https://killexams-posting.dropmark.com/817438/23680185
http://killexams-braindumps.blogspot.com/2020/07/shortest-course-for-3m00030a-exam-in.html
https://www.instapaper.com/read/1321179656
http://killexams.decksrusct.com/blog/certification-exam-dumps/3m00030a-avaya-contact-center-select-accs-avaya-professional-design-specialist-apds-online-test-2020-updated-questions-and-answers/
http://feeds.feedburner.com/GetHighMarksIn3m00030aExamWithTheseDumps
https://www.4shared.com/video/V0tRD8OSea/Avaya-Contact-Center-Select-AC.html
https://www.4shared.com/office/uGlb-neeea/Avaya-Contact-Center-Select-AC.html
http://ge.tt/4YYyFq83
https://youtu.be/URKGWSF-_Tk
https://sites.google.com/view/killexams-3m00030a-exam-cram
https://spaces.hightail.com/space/v47qz1ixkg/files/fi-7db9f859-207f-461d-9b95-f78efd3a36c2/fv-037426b5-7f76-48bc-8a5a-8e2fd9c7bd49/Avaya-Contact-Center-Select-ACCS-Avaya-Professional-Design-Specialist-APDS-Online-Test-(3M00030A).pdf#pageThumbnail-1
https://justpaste.it/3M00030A
https://ello.co/killexamz/post/-9thhtophjypz_istww5ia
https://files.fm/f/3rj9ygrvc



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






Direct Download

3M00030A 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.

3M00030A Reviews

100% Valid and Up to Date 3M00030A 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