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 5V0-31-19?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der 5V0-31-19: VMware Cloud on AWS Management Exam 2019 (5V0-31.19) Prüfung.

2022 Updated Actual 5V0-31-19 questions as experienced in Test Center

Laden Sie 5V0-31-19 Übungstest und aktuelle Fragen herunter | easyfinanz

VMware Cloud on AWS Management test 2019 (5V0-31.19) actual questions with Latest 5V0-31-19 practice questions | https://www.easyfinanz.cc/

Vmware 5V0-31-19 : VMware Cloud on AWS Management test Exam Dumps

Exam Dumps Organized by Richard



Latest 2022 Updated Syllabus
5V0-31-19 test Dumps | Latest Braindumps with actual Questions

Real Questions from Latest syllabus of 5V0-31-19 - Updated Daily - 100% Pass Guarantee



5V0-31-19 demo Questions : Download 100% Free 5V0-31-19 test Dumps (PDF and VCE)

Exam Number : 5V0-31-19
Exam Name : VMware Cloud on AWS Management test 2019 (5V0-31.19)
Vendor Name : Vmware
Update : Click Here to Check Latest Update
Question Bank : Check Questions

Very useful 5V0-31-19 braindumps with killexams. com
Numerous websites are usually supplying 5V0-31-19 Free PDF, nevertheless, almost all of00 them have proven to be re-sellers as well as promote out-of-date 5V0-31-19 queries. A person should not spend their own time in addition to cash on researching outdated 5V0-31-19 questions. Merely go to killexams.com, obtain completely free Latest Questions, evaluate, and sign up for complete version. You will learn the particular distinction.

Vmware 5V0-31-19 test is absolutely not too an easy task to even think about preparing having just 5V0-31-19 course guide or free of charge Questions and Answers attainable on net. There are challenging questions requested in actual 5V0-31-19 quiz that piteuxs the prospect and result in failing the actual exam. This current situation is usually dealt with through killexams.com by public event reputable 5V0-31-19 boot camp in Question Bank and VCE test method records. Anyone essentially have to obtain 100 % free 5V0-31-19 Questions and Answers before you decide to register for total form of 5V0-31-19 Questions and Answers. You will make sure you to go through their own 5V0-31-19 boot camp.

For anyone who is urgently wanting to Pass the actual Vmware 5V0-31-19 test to discover a job or perhaps Excellerate your present position inside the organization, you should register in killexams.com. There are several certified collecting 5V0-31-19 real quiz questions in killexams.com. You will get VMware Cloud on AWS Management test 2019 (5V0-31.19) test questions to ensure you cross 5V0-31-19 quiz. You will down load up to date 5V0-31-19 test issues each time you account to your account. There are many organizations that supply 5V0-31-19 boot camp but logical and most current 2022 current 5V0-31-19 boot camp is a important issue. Think carefully before you entirely depend on No cost Dumps supplied on net because you could end up faltering the quiz. Therefore , paying out little service charge for killexams 5V0-31-19 actual questions is way better to waste materials big quiz fee.

Transferring VMware Cloud on AWS Management test 2019 (5V0-31.19) quiz is very quick if you have obvious concepts associated with 5V0-31-19 syllabus and have the 2022 kept up to date question lender. memorizing along with practicing actual questions is way better for fast success. You must find out about challenging questions requested in actual 5V0-31-19 quiz. For this, you should go to killexams.com along with obtain No cost 5V0-31-19 Real test Questions test issues and learn. If you feel that you could retain people 5V0-31-19 issues, you can signup to down load boot camp associated with 5V0-31-19 Questions and Answers. That will be your first step in the direction of great development. obtain and install VCE test sim in your DESKTOP. Peruse please remember 5V0-31-19 Questions and Answers and take practice exams as frequently because conceivable having VCE analyze system. On the point after you feel that you may have retained many of the questions within the VMware Cloud on AWS Management test 2019 (5V0-31.19) issues bank, head over to test concentrate and recruit for a actual test.

Let us discuss many Questions and Answers supplier with web nevertheless a large part of them usually are exchanging outmoded 5V0-31-19 Questions and Answers. You must come to the actual trustworthy along with respectable 5V0-31-19 boot camp dealer on net. Possibly you wind up your search having killexams.com. In any case, take into account, your pursuit can finish off with exercising in waste materials of money. Most of us suggest you to definitely straightforward head over to killexams.com and down load 100% free of charge 5V0-31-19 Real test Questions and test the example questions. Supposing you are completed, register to get a a few months admittance in order to obtain the newest and considerable 5V0-31-19 Questions and Answers that contains real test issues and responses. You ought to moreover get 5V0-31-19 VCE analyze system on your preparation.

Attributes of Killexams 5V0-31-19 Questions and Answers
-> 5V0-31-19 Questions and Answers down load Access in only 5 minute.
-> Complete 5V0-31-19 Questions Financial institution
-> 5V0-31-19 test Success Ensure
-> Guaranteed True 5V0-31-19 quiz questions
-> Most current and 2022 updated 5V0-31-19 Questions along with Answers
-> Most current 2022 5V0-31-19 Syllabus
-> Acquire 5V0-31-19 test Files anyplace
-> Unlimited 5V0-31-19 VCE test Simulator Easy access
-> No Control on 5V0-31-19 test Acquire
-> Great Discounts
-> 100% Protect Purchase
-> completely Confidential.
-> completely Free boot camp demo Queries
-> No Invisible Cost
-> Not any Monthly Membership
-> No Automotive Renewal
-> 5V0-31-19 test Upgrade Intimation through Email
-> No cost Technical Support

test Fine detail at: https://killexams.com/pass4sure/exam-detail/5V0-31-19
Pricing Particulars at: https://killexams.com/exam-price-comparison/5V0-31-19
See Finish List: https://killexams.com/vendors-exam-list

Discounted Coupon with Full 5V0-31-19 boot camp issues;
WC2020: 60 per cent Flat Discounted on each quiz
PROF17: 10% Further Discounted on Valuation Greater than $69
DEAL17: 15% Further Discounted on Valuation Greater than 99 dollars







5V0-31-19 test Format | 5V0-31-19 Course Contents | 5V0-31-19 Course Outline | 5V0-31-19 test Syllabus | 5V0-31-19 test Objectives


The VMware Cloud on AWS Management test 2019 (5V0-31.19) which leads to VMware Cloud on AWS – Software Defined Data Center 2019 badge is a 30-item exam, with a passing score of 300 using a scaled method. Candidates are given 45 minutes to complete the exam.

Exam Sections
Section 1 – VMware Cloud on AWS and AWS Architectures and Technologies
Objective 1.1 - Describe ASW architecture
Objective 1.2 – Describe VMWare Cloud on AWS
Objective 1.3 – Explain licensing, pricing, and billing
Objective 1.4 – List the AWS services
Objective 1.5 – Describe the integrations with AWS
Objective 1.6 – Show how to use AWS Cloud Formation to deploy an SDDC
Section 2 – VMware Cloud on AWS Products and Solutions
Objective 2.1 – Show how to work with On-Premises vSphere
Objective 2.2 – Explain Hybrid Linked Mode
Objective 2.3 – Explain Hybrid Cloud Extension
Objective 2.4 – Explain how to use Content Library Files
Objective 2.5 – Explain how to create virtual machines (VMs)
Objective 2.6 – Explain how to migrate VMs
Objective 2.7 – Explain how to configure VMs
Objective 2.8 – Describe VMware DRS, HA, and vSphere FT
Section 3- REMOVED FROM EXAM
Section 4 - Configure and Manage VMware Cloud on AWS
Objective 4.1 - Install and configure VMware Identity Manager
Objective 4.2 - Manage VMware Identity Manager
Objective 4.3 – Outline the VMware Cloud on AWS permissions
Objective 4.4 – Describe how to configure VMware Cloud on AWS permissions
Objective 4.5 – Explain security hardening for VMware Cloud on AWS
Section 5 – Optimize VMware Cloud on AWS
Objective 5.1 – Show how to size the SDDC
Objective 5.2 – Explain cluster management
Objective 5.3 – Define host remediation
Section 6 – Troubleshoot VMware Cloud on AWS
Objective 6.1 – Define best practice maintenance
Objective 6.2 – Outline support and staying up-to-date
Objective 6.3 – Define common troubleshooting steps
Section 7 – VMware Cloud on AWS Administration and Operations
Objective 7.1 – Describe VMware vSAN in VMware Cloud on AWS
Objective 7.2 – Explain how to use Amazon S3 with VMware Cloud on AWS
Objective 7.3 – Explain how to use EFS with VMware Cloud on AWS
Objective 7.4 – Describe VMware Cloud on AWS networking
Objective 7.5 – Show how to configure management gateway networking
Objective 7.6 – Show how to configure compute gateway networking
Objective 7.7 – Explain inter-SDDC networking



Killexams Review | Reputation | Testimonials | Feedback


Do you need actual test questions of 5V0-31-19 test to pass the exam?
killexams! Big thanks to you. Last month when I was too much panic about my 5V0-31-19 test this site help me a lot for scoring high. As everyone knows that 5V0-31-19 certification is too much difficult but for me, it was not too much difficult, as I had 5V0-31-19 material in my hand. After experiencing such reliable material I advised all the students to incline towards the best educational services of this site for their preparation. My good wishes are with you all for your 5V0-31-19 certificate.


No material is greater proper than this 5V0-31-19 source.
I passed the 5V0-31-19 test today and scored 100%! Never thought I could do it, but killexams.com turned out to be a gem in test preparation.I had a nice sentiment about it as it appeared to cover all points, and there have been bunches of questions given. Yet, I did not expect to see all the same questions in the actual exam. A very pleasant surprise, and I highly recommend using Killexams.


Here are hints & hints with dumps to certify 5V0-31-19 test with high scores.
Knowing very well about my limited time, started searching for an easy way out for the 5V0-31-19 exam. After a long search, found the question and answers by killexams.com which made my day. Presenting all actual questions with their short and valid answers helped me grasp syllabus in a short time and felt happy to secure good marks in the exam. The materials are also easy to memorize. I am impressed and satiated with my results.


I had no time to study 5V0-31-19 books and training!
Joining killexams.com felt like getting the greatest adventure of my life. I was so exshown because I knew that now I would be able to pass my 5V0-31-19 test and will be the first in my organization that has this qualification. I was right and using the online resources over here I passed my 5V0-31-19 test and was able to make everyone proud. It was a happy feeling and I recommend that any other student who wants to feel like I am feeling must supply killexams.com a fair chance.


Is there any way to pass 5V0-31-19 test without studying course books?
I am very satisfied right now. You need to be questioning why I am so satisfied, nicely the purpose is quite clean, I just got my 5V0-31-19 test outcomes and I have made it through them quite without difficulty. I compose over here as it became killexams.com that showed me for 5V0-31-19 test and that I can not pass on without saying thanks to it for being so useful and supportive to me.


Vmware Cloud boot camp



Obviously it is hard task to pick solid certification Questions Answers concerning review, reputation and validity since individuals get scam because of picking bad service. Killexams.com ensure to serve its customers best to its value concerning test dumps update and validity. The vast majority of customers scam by resellers come to us for the test dumps and pass their exams cheerfully and effectively. They never trade off on their review, reputation and quality because killexams review, killexams reputation and killexams customer certainty is vital to us. Specially they deal with killexams.com review, killexams.com reputation, killexams.com scam report grievance, killexams.com trust, killexams.com validity, killexams.com report. In the event that you see any false report posted by their competitors with the name killexams scam report, killexams.com failing report, killexams.com scam or something like this, simply remember there are several terrible individuals harming reputation of good administrations because of their advantages. There are a great many successful clients that pass their exams utilizing killexams.com test dumps, killexams PDF questions, killexams questions bank, killexams VCE test simulator. Visit their specimen questions and test test dumps, their test simulator and you will realize that killexams.com is the best brain dumps site.

Is Killexams.com Legit?
Absolutely yes, Killexams is fully legit and also fully good. There are several features that makes killexams.com real and genuine. It provides up to date and fully valid test dumps that contain real exams questions and answers. Price is extremely low as compared to almost all of the services online. The Questions Answers are refreshed on normal basis utilizing most latest brain dumps. Killexams account launched and item delivery is really fast. Data file downloading is unlimited and really fast. Aid is avaiable via Livechat and E mail. 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 actual 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 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 syllabus of new syllabus, They recommend to obtain PDF test Questions from killexams.com and get ready for actual 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 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 questions 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 actual Test. Go register for Test in Test Center and Enjoy your Success.




DP-900 certification demo | Service-Cloud-Consultant PDF Questions | CLSSMBB test Questions | AZ-900 Test Prep | Servicenow-CIS-CSM practice test | NSE7_EFW-6.4 past bar exams | PDI boot camp | 1Z0-063 examcollection | Google-AVA practice questions | PMI-PBA pass test | HPE6-A70 actual questions | DEX-403 test dumps | MB-800 cheat sheet | PL-300 Free PDF | 1Z0-1068 actual questions | CFA-Level-II practice questions | HP2-H88 demo test questions | Apigee-API-Engineer assessment test demo | PEGAPCSA80V1_2019 training material | H12-221 Study Guide |


5V0-31-19 - VMware Cloud on AWS Management test 2019 (5V0-31.19) Practice Test
5V0-31-19 - VMware Cloud on AWS Management test 2019 (5V0-31.19) Questions and Answers
5V0-31-19 - VMware Cloud on AWS Management test 2019 (5V0-31.19) education
5V0-31-19 - VMware Cloud on AWS Management test 2019 (5V0-31.19) education
5V0-31-19 - VMware Cloud on AWS Management test 2019 (5V0-31.19) questions
5V0-31-19 - VMware Cloud on AWS Management test 2019 (5V0-31.19) Dumps
5V0-31-19 - VMware Cloud on AWS Management test 2019 (5V0-31.19) study tips
5V0-31-19 - VMware Cloud on AWS Management test 2019 (5V0-31.19) test Questions
5V0-31-19 - VMware Cloud on AWS Management test 2019 (5V0-31.19) PDF Download
5V0-31-19 - VMware Cloud on AWS Management test 2019 (5V0-31.19) dumps
5V0-31-19 - VMware Cloud on AWS Management test 2019 (5V0-31.19) test dumps
5V0-31-19 - VMware Cloud on AWS Management test 2019 (5V0-31.19) techniques
5V0-31-19 - VMware Cloud on AWS Management test 2019 (5V0-31.19) Real test Questions
5V0-31-19 - VMware Cloud on AWS Management test 2019 (5V0-31.19) syllabus
5V0-31-19 - VMware Cloud on AWS Management test 2019 (5V0-31.19) book
5V0-31-19 - VMware Cloud on AWS Management test 2019 (5V0-31.19) education
5V0-31-19 - VMware Cloud on AWS Management test 2019 (5V0-31.19) Dumps
5V0-31-19 - VMware Cloud on AWS Management test 2019 (5V0-31.19) test success
5V0-31-19 - VMware Cloud on AWS Management test 2019 (5V0-31.19) syllabus
5V0-31-19 - VMware Cloud on AWS Management test 2019 (5V0-31.19) test Questions
5V0-31-19 - VMware Cloud on AWS Management test 2019 (5V0-31.19) study help
5V0-31-19 - VMware Cloud on AWS Management test 2019 (5V0-31.19) PDF Dumps
5V0-31-19 - VMware Cloud on AWS Management test 2019 (5V0-31.19) answers
5V0-31-19 - VMware Cloud on AWS Management test 2019 (5V0-31.19) test Braindumps
5V0-31-19 - VMware Cloud on AWS Management test 2019 (5V0-31.19) study help
5V0-31-19 - VMware Cloud on AWS Management test 2019 (5V0-31.19) Latest Topics
5V0-31-19 - VMware Cloud on AWS Management test 2019 (5V0-31.19) book
5V0-31-19 - VMware Cloud on AWS Management test 2019 (5V0-31.19) learn
5V0-31-19 - VMware Cloud on AWS Management test 2019 (5V0-31.19) test Questions
5V0-31-19 - VMware Cloud on AWS Management test 2019 (5V0-31.19) techniques
5V0-31-19 - VMware Cloud on AWS Management test 2019 (5V0-31.19) Dumps
5V0-31-19 - VMware Cloud on AWS Management test 2019 (5V0-31.19) Question Bank
5V0-31-19 - VMware Cloud on AWS Management test 2019 (5V0-31.19) boot camp
5V0-31-19 - VMware Cloud on AWS Management test 2019 (5V0-31.19) syllabus
5V0-31-19 - VMware Cloud on AWS Management test 2019 (5V0-31.19) PDF Questions
5V0-31-19 - VMware Cloud on AWS Management test 2019 (5V0-31.19) Latest Topics
5V0-31-19 - VMware Cloud on AWS Management test 2019 (5V0-31.19) test syllabus
5V0-31-19 - VMware Cloud on AWS Management test 2019 (5V0-31.19) outline
5V0-31-19 - VMware Cloud on AWS Management test 2019 (5V0-31.19) learn
5V0-31-19 - VMware Cloud on AWS Management test 2019 (5V0-31.19) Latest Topics
5V0-31-19 - VMware Cloud on AWS Management test 2019 (5V0-31.19) braindumps
5V0-31-19 - VMware Cloud on AWS Management test 2019 (5V0-31.19) Latest Topics
5V0-31-19 - VMware Cloud on AWS Management test 2019 (5V0-31.19) teaching
5V0-31-19 - VMware Cloud on AWS Management test 2019 (5V0-31.19) braindumps
5V0-31-19 - VMware Cloud on AWS Management test 2019 (5V0-31.19) PDF Download
5V0-31-19 - VMware Cloud on AWS Management test 2019 (5V0-31.19) test Cram
5V0-31-19 - VMware Cloud on AWS Management test 2019 (5V0-31.19) course outline
5V0-31-19 - VMware Cloud on AWS Management test 2019 (5V0-31.19) Practice Questions
5V0-31-19 - VMware Cloud on AWS Management test 2019 (5V0-31.19) study help
5V0-31-19 - VMware Cloud on AWS Management test 2019 (5V0-31.19) Real test Questions
5V0-31-19 - VMware Cloud on AWS Management test 2019 (5V0-31.19) syllabus
5V0-31-19 - VMware Cloud on AWS Management test 2019 (5V0-31.19) information search
5V0-31-19 - VMware Cloud on AWS Management test 2019 (5V0-31.19) Question Bank


2V0-31.21 test questions | 2V0-31.21 free pdf | 3V0-21.21 test questions | 2V0-62.21 pass marks | 2V0-62.21 practice questions |


Best Certification test Dumps You Ever Experienced


VCA410-DT mock questions | 2V0-41.20 test questions | 2V0-21-19-PSE actual questions | VCP-101V past bar exams | 5V0-21.20 test questions | 5V0-34.19 Free test PDF | 1V0-41.20 free prep | 2V0-51-19 braindumps | 2V0-31.21 study questions | 3V0-732 test Cram | 2V0-01-19 cram | 2V0-62.21 demo test questions | 3V0-42.20 Cheatsheet | 5V0-33.19 braindumps | 2V0-21.21 prep questions | 5V0-62.19 test test | 2V0-31.21 VCE | 2V0-21.20 past exams | 2V0-21-19D practice questions | 5V0-32-19 PDF Dumps |





References :


https://www.instapaper.com/read/1317024263
http://ge.tt/5KIY4E53
http://killexams-braindumps.blogspot.com/2020/07/download-5v0-31-19-exam-questions-and.html
https://killexams-posting.dropmark.com/817438/23731187
https://killexams-posting.dropmark.com/817438/23731224
https://www.4shared.com/office/0diue4OLiq/VMware-Cloud-on-AWS-Management.html
https://www.4shared.com/video/ndNit7Lyea/VMware-Cloud-on-AWS-Management.html
https://youtu.be/Ix80ny6s-KQ
http://killexams12.blogdigy.com/5v0-31-19-vmware-cloud-on-aws-management-exam-2019-5v0-31-19-2021-updated-questions-and-answers-by-killexams-com-11407130
http://killexams3.isblog.net/5v0-31-19-vmware-cloud-on-aws-management-exam-2019-5v0-31-19-question-bank-with-real-questions-by-killexams-com-14593859
https://ello.co/killexamz/post/qtf-hq4nyhvbe7qbdox3ta
https://files.fm/f/2v7dnajr6
https://justpaste.it/5V0-31-19
https://killexams-5v0-31-19.jimdofree.com/
http://feeds.feedburner.com/RealHp0-d31QuestionsThatAppearedInTestToday
https://sites.google.com/view/killexams-920-157-pdf-braindum
http://killexams.decksrusct.com/blog/certification-exam-dumps/5v0-31-19-vmware-cloud-on-aws-management-exam-2019-5v0-31-19-real-exam-questions-by-killexams-com/
https://spaces.hightail.com/space/v47qz1ixkg/files/fi-603ee629-7059-4dff-8ef0-ebc9da865a20/fv-0dd81895-3852-4a88-b4ee-1a263a77d8a8/VMware-Cloud-on-AWS-Management-Exam-2019-5V0-31-19-(5V0-31-19).pdf#pageThumbnail-1



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






Direct Download

5V0-31-19 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.

5V0-31-19 Reviews

100% Valid and Up to Date 5V0-31-19 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