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 920-338?
Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der 920-338: BCM50 Rls. 3.0- BCM200/400 Rls. 4.0 & BCM450 Rls. 1.0 Installation- Configuration & Maintenance Prüfung.
2024 Updated Actual 920-338 questions as experienced in Test Center
Aktuelle 920-338 Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz
E html>Nortel 920-338 : BCM50 Rls. 3.0, BCM200/400 Rls. 4.0 & BCM450 Rls. 1.0 Installation, Configuration & Maintenance ACTUAL EXAM QUESTIONSExam Dumps Organized by Richard |
Latest 2024 Updated Nortel BCM50 Rls. 3.0, BCM200/400 Rls. 4.0 & BCM450 Rls. 1.0 Installation, Configuration & Maintenance Syllabus
920-338 ACTUAL EXAM QUESTIONS / Braindumps contains real test Questions
Practice Tests and Free VCE Software - Questions Updated on Daily Basis
Big Discount / Cheapest price & 100% Pass Guarantee
920-338 Exam Center Questions : Download 100% Free 920-338 ACTUAL EXAM QUESTIONS (PDF and VCE)
Exam Number : 920-338
Exam Name : BCM50 Rls. 3.0, BCM200/400 Rls. 4.0 & BCM450 Rls. 1.0 Installation, Configuration & Maintenance
Vendor Name : Nortel
Update : Click Here to Check Latest Update
Question Bank : Check Questions
Precisely same 920-338 questions as in real test, Amazing!
With their 920-338 Latest Questions, you can approach the BCM50 Rls. 3.0, BCM200/400 Rls. 4.0 & BCM450 Rls. 1.0 Installation, Configuration & Maintenance test with confidence, knowing that you have everything you need to succeed. If for any reason you are not satisfied with your results, they offer a money-back guarantee. Their database of 920-338 Exam Questions, sourced from real tests, will help you breeze through the 920-338 test on your first attempt. Simply prepare with their VCE test Simulator and you will pass with flying colors.
To achieve success in the Nortel 920-338 exam, one needs to have a clear understanding of the course description, syllabus, and objectives. Merely practicing the 920-338 course guide is not enough. To be fully prepared, you must familiarize yourself with difficult scenarios and questions that may appear on the real 920-338 exam. You can visit killexams.com to obtain free 920-338 PDF sample questions and gain confidence in their BCM50 Rls. 3.0, BCM200/400 Rls. 4.0 & BCM450 Rls. 1.0 Installation, Configuration & Maintenance questions. Once satisfied, you can register to obtain the complete version of 920-338 boot camp at an attractive discount. Installing 920-338 VCE test simulator on your computer, memorizing 920-338 Practice Test, and taking practice tests regularly with VCE test simulator will prepare you for the real 920-338 exam. Once you feel ready, you can proceed to the Exam Center and register for the real exam.
If you urgently need to pass the Nortel 920-338 test to find a job or Boost your current position, you can rely on killexams.com. They have a team of professionals who collect 920-338 real test questions to ensure that you pass the BCM50 Rls. 3.0, BCM200/400 Rls. 4.0 & BCM450 Rls. 1.0 Installation, Configuration & Maintenance exam. You can obtain the latest 920-338 test questions every time you log into your account. While there are many institutions that offer 920-338 Latest Questions, valid and up-to-date 2024 920-338 boot camp are hard to come by. Be wary of free dumps provided on the web, as you may end up failing the exam. Instead, paying a small fee for killexams 920-338 dump questions is a better investment than risking a large test fee.
Passing the BCM50 Rls. 3.0, BCM200/400 Rls. 4.0 & BCM450 Rls. 1.0 Installation, Configuration & Maintenance test is easy if you have a clear understanding of the 920-338 syllabus and access to the latest question bank. It is recommended to read and practice dump questions to ensure quick success. You must learn about the tricky questions asked in the real 920-338 exam. To help you prepare, killexams.com offers free 920-338 PDF Dumps sample questions. Once confident, you can register to obtain boot camp of 920-338 Practice Test. Installing the VCE test simulator on your PC, memorizing 920-338 Practice Test, and taking practice tests regularly will further enhance your chances of passing the real 920-338 exam. When you feel confident that you have memorized all the questions in the BCM50 Rls. 3.0, BCM200/400 Rls. 4.0 & BCM450 Rls. 1.0 Installation, Configuration & Maintenance question bank, proceed to the Exam Center and enroll for the real exam.
920-338 test Format | 920-338 Course Contents | 920-338 Course Outline | 920-338 test Syllabus | 920-338 test Objectives
Killexams Review | Reputation | Testimonials | Feedback
Found correct source for real 920-338 dumps question bank.
As a community expert, I was looking for an test guide to help me pass the 920-338 exam. Due to time constraints, studying for the test had become difficult for me. However, killexams.com's Braindumps dumps worked like wonders for me, providing a clinical solution for extra unique tests. With their assistance, I managed to finish the test in only 70 minutes, which was virtually stunning. Thanks to killexams.com materials.
What are benefits of updated and valid 920-338 dumps?
I owe my achievement in passing the 920-338 test to killexams.com. All the questions on the test desk were from their guide, making it the true helper for me on the test bench. This observation stuff perfectly guided me for trying 920-338 test questions and ensured my 100% accomplishment in the exam.
First-class to pay attention that real test questions latest 920-338 test are to be had.
The study materials provided by killexams.com cover all aspects of the 920-338 exam, making it a must-have for anyone new to it. Thanks to killexams.com, I was able to increase my expertise in 920-338 and have recommended it to my friends and colleagues. Even on the day before my 920-338 exam, when I usually went for a run to feel energized, I turned to killexams.com for educational data to help me prepare.
Do not spill big amount at 920-338 courses, examout these questions.
Acquiring a test dump with all the necessary features for the 920-338 test can be challenging. However, I consider myself fortunate to have found killexams.com material, which contains all the essential facts and features and is very helpful. The Dumps provided were comprehensive, making the learning process seamless for me in every topic. I highly recommend it to my friends.
What is needed to study for 920-338 exam?
I successfully passed the 920-338 test after dedicating sufficient time to practicing the provided materials. Although some of the materials were braindumps, meaning they were based on real test content, I found the quality of the questions to be high. Although not all the questions were identical to the real exam, the subjects and overall approach were accurate. Therefore, if one studies hard enough, they can do well on the exam.
Nortel 4.0 test contents
https://www.pass4surez.com/art/read.php?keyword=Nortel+4.0+exam+contents&lang=us&links=remove
Unquestionably it is hard assignment to pick dependable certification questions/answers assets regarding review, reputation and validity since individuals get sham because of picking incorrectly benefit. Killexams.com ensure to serve its customers best to its assets concerning ACTUAL EXAM QUESTIONS update and validity. The vast majority of other's sham report dissension customers come to us for the brain dumps and pass their exams joyfully and effortlessly. They never trade off on their review, reputation and quality on the grounds that killexams review, killexams reputation and killexams customer certainty is imperative to us. Uniquely they deal with killexams.com review, killexams.com reputation, killexams.com sham report objection, killexams.com trust, killexams.com validity, killexams.com report and killexams.com scam. On the off chance that you see any false report posted by their rivals with the name killexams sham report grievance web, killexams.com sham report, killexams.com scam, killexams.com protest or something like this, simply remember there are constantly awful individuals harming reputation of good administrations because of their advantages. There are a huge number of fulfilled clients that pass their exams utilizing killexams.com brain dumps, killexams PDF questions, killexams hone questions, killexams test simulator. Visit Killexams.com, their specimen questions and test brain dumps, their test simulator and you will realize that killexams.com is the best brain dumps site.
Which is the best dumps website?
Certainly, Killexams is totally legit as well as fully trusted. There are several characteristics that makes killexams.com realistic and legitimate. It provides up to date and totally valid ACTUAL EXAM QUESTIONS that contain real exams questions and answers. Price is surprisingly low as compared to many of the services online. The Braindumps are up to date on normal basis utilizing most exact brain dumps. Killexams account make and supplement delivery is quite fast. Computer file downloading will be unlimited and intensely fast. Assist is avaiable via Livechat and Email address. These are the characteristics that makes killexams.com a robust website that come with ACTUAL EXAM QUESTIONS with real exams questions.
Is killexams.com test material dependable?
There are several Braindumps provider in the market claiming that they provide real 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 2024 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 Braindumps with the same frequency as they are updated in Real Test. ACTUAL EXAM QUESTIONS provided by killexams.com are Reliable, Up-to-date and validated by Certified Professionals. They maintain dumps questions 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 subjects of new syllabus, They recommend to obtain PDF test Questions from killexams.com and get ready for real 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 Braindumps will be provided in your obtain Account. You can obtain Premium ACTUAL EXAM QUESTIONS 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 real Test. Go register for Test in Exam Center and Enjoy your Success.
C90.01 Latest subjects | A00-280 sample questions | PEGACPDS88V1 test test | VCS-324 online test | HPE0-V14 cheat sheet pdf | S2000-013 Test Prep | CIS-RCI test answers | 2V0-31.21 brain dumps | JN0-213 Real test Questions | E20-562 test Braindumps | DES-1B31 test questions | CIMAPRA17-BA2-1-ENG Dumps | Salesforce-Certified-B2C-Commerce-Developer practice test | 001-ARXConfig study guide | DES-6322 test questions | FAR free pdf | GMAT-Verbal test test | 156-587 Braindumps | ONCC-CPHON test Questions | PCPP-32-101 test results |
920-338 - BCM50 Rls. 3.0, BCM200/400 Rls. 4.0 & BCM450 Rls. 1.0 Installation, Configuration & Maintenance Practice Test
920-338 - BCM50 Rls. 3.0, BCM200/400 Rls. 4.0 & BCM450 Rls. 1.0 Installation, Configuration & Maintenance PDF Questions
920-338 - BCM50 Rls. 3.0, BCM200/400 Rls. 4.0 & BCM450 Rls. 1.0 Installation, Configuration & Maintenance real questions
920-338 - BCM50 Rls. 3.0, BCM200/400 Rls. 4.0 & BCM450 Rls. 1.0 Installation, Configuration & Maintenance PDF Download
920-338 - BCM50 Rls. 3.0, BCM200/400 Rls. 4.0 & BCM450 Rls. 1.0 Installation, Configuration & Maintenance test Cram
920-338 - BCM50 Rls. 3.0, BCM200/400 Rls. 4.0 & BCM450 Rls. 1.0 Installation, Configuration & Maintenance Cheatsheet
920-338 - BCM50 Rls. 3.0, BCM200/400 Rls. 4.0 & BCM450 Rls. 1.0 Installation, Configuration & Maintenance syllabus
920-338 - BCM50 Rls. 3.0, BCM200/400 Rls. 4.0 & BCM450 Rls. 1.0 Installation, Configuration & Maintenance real Questions
920-338 - BCM50 Rls. 3.0, BCM200/400 Rls. 4.0 & BCM450 Rls. 1.0 Installation, Configuration & Maintenance PDF Download
920-338 - BCM50 Rls. 3.0, BCM200/400 Rls. 4.0 & BCM450 Rls. 1.0 Installation, Configuration & Maintenance Study Guide
920-338 - BCM50 Rls. 3.0, BCM200/400 Rls. 4.0 & BCM450 Rls. 1.0 Installation, Configuration & Maintenance test Braindumps
920-338 - BCM50 Rls. 3.0, BCM200/400 Rls. 4.0 & BCM450 Rls. 1.0 Installation, Configuration & Maintenance ACTUAL EXAM QUESTIONS
920-338 - BCM50 Rls. 3.0, BCM200/400 Rls. 4.0 & BCM450 Rls. 1.0 Installation, Configuration & Maintenance PDF Braindumps
920-338 - BCM50 Rls. 3.0, BCM200/400 Rls. 4.0 & BCM450 Rls. 1.0 Installation, Configuration & Maintenance test syllabus
920-338 - BCM50 Rls. 3.0, BCM200/400 Rls. 4.0 & BCM450 Rls. 1.0 Installation, Configuration & Maintenance study help
920-338 - BCM50 Rls. 3.0, BCM200/400 Rls. 4.0 & BCM450 Rls. 1.0 Installation, Configuration & Maintenance braindumps
920-338 - BCM50 Rls. 3.0, BCM200/400 Rls. 4.0 & BCM450 Rls. 1.0 Installation, Configuration & Maintenance exam
920-338 - BCM50 Rls. 3.0, BCM200/400 Rls. 4.0 & BCM450 Rls. 1.0 Installation, Configuration & Maintenance information source
920-338 - BCM50 Rls. 3.0, BCM200/400 Rls. 4.0 & BCM450 Rls. 1.0 Installation, Configuration & Maintenance PDF Questions
920-338 - BCM50 Rls. 3.0, BCM200/400 Rls. 4.0 & BCM450 Rls. 1.0 Installation, Configuration & Maintenance Real test Questions
920-338 - BCM50 Rls. 3.0, BCM200/400 Rls. 4.0 & BCM450 Rls. 1.0 Installation, Configuration & Maintenance certification
920-338 - BCM50 Rls. 3.0, BCM200/400 Rls. 4.0 & BCM450 Rls. 1.0 Installation, Configuration & Maintenance PDF Questions
920-338 - BCM50 Rls. 3.0, BCM200/400 Rls. 4.0 & BCM450 Rls. 1.0 Installation, Configuration & Maintenance Question Bank
920-338 - BCM50 Rls. 3.0, BCM200/400 Rls. 4.0 & BCM450 Rls. 1.0 Installation, Configuration & Maintenance learn
920-338 - BCM50 Rls. 3.0, BCM200/400 Rls. 4.0 & BCM450 Rls. 1.0 Installation, Configuration & Maintenance test Questions
920-338 - BCM50 Rls. 3.0, BCM200/400 Rls. 4.0 & BCM450 Rls. 1.0 Installation, Configuration & Maintenance test contents
920-338 - BCM50 Rls. 3.0, BCM200/400 Rls. 4.0 & BCM450 Rls. 1.0 Installation, Configuration & Maintenance real questions
920-338 - BCM50 Rls. 3.0, BCM200/400 Rls. 4.0 & BCM450 Rls. 1.0 Installation, Configuration & Maintenance syllabus
920-338 - BCM50 Rls. 3.0, BCM200/400 Rls. 4.0 & BCM450 Rls. 1.0 Installation, Configuration & Maintenance study tips
920-338 - BCM50 Rls. 3.0, BCM200/400 Rls. 4.0 & BCM450 Rls. 1.0 Installation, Configuration & Maintenance test contents
920-338 - BCM50 Rls. 3.0, BCM200/400 Rls. 4.0 & BCM450 Rls. 1.0 Installation, Configuration & Maintenance Cheatsheet
920-338 - BCM50 Rls. 3.0, BCM200/400 Rls. 4.0 & BCM450 Rls. 1.0 Installation, Configuration & Maintenance certification
920-338 - BCM50 Rls. 3.0, BCM200/400 Rls. 4.0 & BCM450 Rls. 1.0 Installation, Configuration & Maintenance test Questions
920-338 - BCM50 Rls. 3.0, BCM200/400 Rls. 4.0 & BCM450 Rls. 1.0 Installation, Configuration & Maintenance PDF Download
920-338 - BCM50 Rls. 3.0, BCM200/400 Rls. 4.0 & BCM450 Rls. 1.0 Installation, Configuration & Maintenance test contents
920-338 - BCM50 Rls. 3.0, BCM200/400 Rls. 4.0 & BCM450 Rls. 1.0 Installation, Configuration & Maintenance study tips
920-338 - BCM50 Rls. 3.0, BCM200/400 Rls. 4.0 & BCM450 Rls. 1.0 Installation, Configuration & Maintenance PDF Download
920-338 - BCM50 Rls. 3.0, BCM200/400 Rls. 4.0 & BCM450 Rls. 1.0 Installation, Configuration & Maintenance information search
920-338 - BCM50 Rls. 3.0, BCM200/400 Rls. 4.0 & BCM450 Rls. 1.0 Installation, Configuration & Maintenance PDF Download
920-338 - BCM50 Rls. 3.0, BCM200/400 Rls. 4.0 & BCM450 Rls. 1.0 Installation, Configuration & Maintenance test Questions
920-338 - BCM50 Rls. 3.0, BCM200/400 Rls. 4.0 & BCM450 Rls. 1.0 Installation, Configuration & Maintenance testing
920-338 - BCM50 Rls. 3.0, BCM200/400 Rls. 4.0 & BCM450 Rls. 1.0 Installation, Configuration & Maintenance information source
920-338 - BCM50 Rls. 3.0, BCM200/400 Rls. 4.0 & BCM450 Rls. 1.0 Installation, Configuration & Maintenance PDF Dumps
920-338 - BCM50 Rls. 3.0, BCM200/400 Rls. 4.0 & BCM450 Rls. 1.0 Installation, Configuration & Maintenance Study Guide
Other Nortel ACTUAL EXAM QUESTIONS
920-803 VCE | 920-270 Cheatsheet | 922-080 test questions | 920-260 questions and answers | 920-805 free test papers | 920-240 past exams | 922-102 practice questions | 920-552 test Cram | 920-197 cram | 920-327 Practice Test | 920-220 real questions | 920-556 test Braindumps | 920-338 questions download |
Best ACTUAL EXAM QUESTIONS You Ever Experienced
CEMAP-1 sample questions | AIP-210 practice test | C1000-121 mock questions | MISCPRODUCT practice exam | PCCSA brain dumps | Praxis-Core PDF Download | 920-803 practice questions | NS0-403 Free PDF | P11-101 test prep | CLSSYB Study Guide | C1000-138 PDF Dumps | CSSGB Latest Topics | Salesforce-Certified-Identity-and-Access-Management-Designer free pdf | CA-Real-Estate study guide | PR000005 training material | ADM-261 Practice Test | SABE501V3-0 free pdf | 3V0-32.21 free prep | A30-327 Latest Questions | SOFQ prep questions |
References :
https://arfansaleemfan.blogspot.com/2020/09/920-338-bcm50-rls-30-bcm200400-rls-40.html
https://sites.google.com/view/killexams-920-338-fre-exam-pdf
http://killexamsbraindumps.isblog.net/920-338-bcm50-rls-3-0-bcm200-400-rls-4-0-bcm450-rls-1-0-installation-configuration-maintenance-practice-test-with-real-question-by-killexams-com-14582291
https://youtu.be/-QncWT6PC9c
https://drp.mk/i/SwsD1t97S
https://files.fm/f/xfwbp2ehz
https://www.instapaper.com/read/1398259191
http://feeds.feedburner.com/KillexamscomMoff-enRealQuestionBank
Similar Websites :
Pass4sure Certification ACTUAL EXAM QUESTIONS
Pass4Sure test Questions and Dumps
920-338 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.
100% Valid and Up to Date 920-338 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