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 APA-CPP-Remote?
Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der APA-CPP-Remote: CPP-Remote Certified Payroll Professional Prüfung.
2023 Updated Actual APA-CPP-Remote questions as experienced in Test Center
Aktuelle APA-CPP-Remote Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz
![]() APA APA-CPP-Remote : CPP-Remote Certified Payroll Professional exam DumpsExam Dumps Organized by Martin Hoax |
Latest 2023 Updated APA CPP-Remote Certified Payroll Professional Syllabus
APA-CPP-Remote test questions / Braindumps contains actual exam Questions
Practice Tests and Free VCE Software - Questions Updated on Daily Basis
Big Discount / Cheapest price & 100% Pass Guarantee
APA-CPP-Remote Test Center Questions : Download 100% Free APA-CPP-Remote test questions (PDF and VCE)
Exam Number : APA-CPP-Remote
Exam Name : CPP-Remote Certified Payroll Professional
Vendor Name : APA
Update : Click Here to Check Latest Update
Question Bank : Check Questions
Valid as of today APA-CPP-Remote Exam Questions questions
If you are interested in passing the APA APA-CPP-Remote test to advance your career, they offer easy route CPP-Remote Certified Payroll Professional test questions at killexams.com that ensure your success. Their APA-CPP-Remote exam dumps are current, legitimate, and the latest updated versions, giving you a 100% unconditional certain of passing the test.
There are numerous companies online offering Dumps, but unfortunately, most of them are reselling outdated dumps. It's crucial to find a reliable and trustworthy provider of APA-CPP-Remote exam dumps online. You can choose to study on your own or put your trust in killexams.com. However, it's important to ensure that your study efforts don't go to waste. They recommend going straight to killexams.com, where you can download 100% free APA-CPP-Remote exam dumps and assess the trial questions. If you're satisfied, sign up and get a three-month account to download the latest and valid APA-CPP-Remote PDF Dumps with real test questions and answers. Don't forget to take advantage of their excellent discount coupons. Also, make sure to get APA-CPP-Remote VCE test simulator for practice.
If you're in search of the latest and 2023 updated test deposits to pass APA APA-CPP-Remote exam and land a high-paying job, then simply register at killexams.com with exclusive discount coupons to download 2023 updated actual APA-CPP-Remote questions. Their team of experts is working hard to provide real APA-CPP-Remote test questions that will help you pass the exam. You can download the updated APA-CPP-Remote test questions anytime with a 100% money-back guarantee. Many companies offer APA-CPP-Remote PDF Dumps, but finding a valid and latest 2023 up-to-date APA-CPP-Remote Exam Questions can be a challenge. Therefore, think twice before relying on free dumps available online.

APA-CPP-Remote exam Format | APA-CPP-Remote Course Contents | APA-CPP-Remote Course Outline | APA-CPP-Remote exam Syllabus | APA-CPP-Remote exam Objectives
Title: CPP-Remote Certified Payroll Professional (APA APA-CPP-Remote)
Test Detail:
The CPP-Remote Certified Payroll Professional is a designation offered by the American Payroll Association (APA). It is designed to validate the knowledge and skills of payroll professionals in the areas of payroll administration, compliance, and best practices. The certification demonstrates expertise in payroll processing, payroll systems, tax and legal considerations, and payroll management.
Course Outline:
The CPP-Remote certification program covers a comprehensive range of courses related to payroll administration. The course provides participants with a solid foundation in payroll principles, regulations, and practices. The following is a general outline of the key areas covered in the CPP-Remote certification program:
1. Payroll Core Concepts:
- Understanding payroll fundamentals
- Roles and responsibilities of a payroll professional
- Employment and labor laws
- Fair Labor Standards Act (FLSA)
- Wage and hour regulations
2. Payroll Calculation and Processing:
- Calculating gross pay
- Deductions and exemptions
- Overtime calculations
- Payroll adjustments and corrections
- Payroll accounting and reporting
3. Payroll Systems and Technology:
- Payroll software and technology solutions
- Time and attendance systems
- Payroll data management and security
- Integrating payroll with other HR systems
- Reporting and analytics
4. Tax and Legal Considerations:
- Federal and state tax withholding
- Social Security, Medicare, and FUTA taxes
- Form W-2 and year-end reporting
- Compliance with tax laws and regulations
- Payroll audits and penalties
5. Payroll Management and Administration:
- Payroll policies and procedures
- Recordkeeping and documentation
- Payroll audits and controls
- Employee benefits and deductions
- Garnishments and wage assignments
Exam Objectives:
The CPP-Remote certification exam assesses candidates' understanding of the course courses and their ability to apply payroll knowledge to real-world scenarios. The exam objectives include, but are not limited to:
1. Demonstrating knowledge of payroll principles, regulations, and compliance requirements.
2. Applying accurate payroll calculations, including gross pay, deductions, and overtime.
3. Understanding payroll systems, technology, and integration with other HR systems.
4. Complying with tax laws and regulations, including tax withholding and reporting.
5. Implementing effective payroll management practices, policies, and controls.
6. Ensuring data security and confidentiality in payroll operations.
7. Analyzing and interpreting payroll reports and conducting payroll audits.
Syllabus:
The CPP-Remote certification program typically spans several weeks or months, depending on the delivery format and schedule. The syllabus provides a breakdown of the courses covered throughout the course, including specific learning objectives and milestones. The syllabus may include the following components:
- Introduction to Payroll Principles and Practices
- Payroll Core Concepts and Legal Considerations
- Payroll Calculation and Processing
- Payroll Systems and Technology
- Tax Compliance and Reporting
- Payroll Management and Administration
- Review and Practice Sessions
- Mock Exams and exam Preparation
- Final CPP-Remote Certification Exam
Killexams Review | Reputation | Testimonials | Feedback
Is there APA-CPP-Remote exam new sayllabus available?
I passed my APA-CPP-Remote exam yesterday, and I am grateful to the entire killexams.com team. Their schooling material is remarkable, and I truly respect the wonderful job they do. I can honestly say that I will use their product for my next exam.
Need updated brain dumps for APA-CPP-Remote exam? It is right here.
The team at killexams.com is cooperative and capable, and they provided me with excellent material for APA-CPP-Remote practice test. I am grateful for their support and recommend killexams.com to anyone preparing for the exam.
Where will I obtain Dumps to study APA-CPP-Remote exam?
As someone who used to be an honors scholar, I never thought I would use braindumps for serious IT tests. However, as my profession progressed, I found myself with more responsibilities, including my family, making it harder to find time and money to prepare for exams. But, to provide for my family, I needed to keep my profession and knowledge growing. So, I ordered the killexams.com bundle, feeling both perplexed and responsible. It lived up to my expectations, and I passed the APA-CPP-Remote exam with superb marks. The real exam Dumps provided by killexams.com stay with you, making it an excellent investment in your future.
Is there APA-CPP-Remote exam new sayllabus available?
Clearing the APA-CPP-Remote exam seemed unrealistic to me at first because the test factors were honestly extreme. However, the killexams.com exam guide illuminated my shortcomings, and I was able to correctly answer 90 out of 100 questions. The top-notch exam simulator helped me pass the APA-CPP-Remote exam with ease. I offer my gratitude to killexams.com for providing these wonderful services.
What an excellent APA-CPP-Remote questions that works in real exam.
I passed the APA-CPP-Remote exam with flying colors, scoring 88% thanks to Killexams.com. The exam was tough, but Killexams.com's Dumps and exam Simulator made it easier. Their exam simulator is a gift, and the questions and-answer company and various test types were excellent ways to test my knowledge.
APA CPP-Remote teaching
IT Resources for remote teaching & workingTechnology options for working remotelyThis page provides information on the technology options available to faculty, staff, and students that may enable the business of the university to continue online to the best of its ability. Go to the Calvin Keep Teaching and Working site for helpful resources and details on the Keep-Teaching workshops. Bookmark and check this page often for new updates from CIT on this rapidly changing situation. Teaching ConsultationsThe Teaching and Learning Center (TLC) offers individual consultations to anyone teaching at Drexel University. Consultations are an opportunity to discuss course or assignment design, solve teaching problems, or try new innovations in the classroom. Each hour-long consultation is focused on the instructor’s needs, allowing targeted approaches to address the specific teaching context and goals. All consultations are strictly confidential. The TLC does not disclose any information from consultations unless it is requested by the instructor. The TLC does not write letters of support for reappointment, promotion, or tenure, but faculty can request documentation of participation in consultations, workshops, or programs to use as they see fit. Click the “Schedule a Consultation” button and the Teaching and Learning Center appointment calendar will open in a new window. Select one of the teaching consultants listed on the page and the dates they are available for appointments will appear on the calendar. Click on your preferred meeting date and their available meeting times will appear to the right of the calendar. Click on your preferred meeting time and then click continue. Add your details to the scheduling form and click “Confirm Appointment.” Man sentenced to 11 years for sexual assault of girl during remote-learning classA judge has sentenced a Chicago man to 11 years in prison for sexually assaulting a 7-year-old female relative in an act witnessed in an online forum used for remote teaching ByThe Associated Press August 16, 2023, 6:43 PM ![]() This booking photo provided by the Cook County, Ill., Sheriff's Office shows Catrell Walls. On Wednesday, Aug. 16, 2023, a judge sentenced the Chicago man to 11 years in prison for sexually assaulting a 7-year-old female relative in an act witnessed in an online forum used for remote teaching. Walls pleaded guilty to a felony sexual assault charge for the Oct. 15, 2020, attack. (Cook County Sheriff's Office via AP) The Associated Press CHICAGO -- A judge Wednesday sentenced a Chicago man to 11 years in prison for sexually assaulting a 7-year-old female relative in an act witnessed in an online forum used for remote teaching. Catrell Walls, 21, pleaded guilty to a felony sexual assault charge for the Oct. 15, 2020, attack. As part of a plea agreement, prosecutors dropped two other felony counts and an unrelated weapons case, the Chicago Tribune reported. The assault took place at a home from which the girl was participating in class remotely during the COVID-19 pandemic, prosecutors said. During a break, the teacher asked students to mute themselves and turn off their cameras. The girl muted herself, but she did not turn off the camera, and the teacher witnessed the assault, prosecutors said. The teacher contacted the school’s principal, who called the girl’s family, Chicago police and the Illinois Department of Children and Family Services, prosecutors said. When the girl’s father, the principal and the school’s chief executive officer went to the South Side home to ask her what happened, she told the principal about the assault and said it had happened before, prosecutors said. Walls was then arrested. The girl was treated at a hospital. Walls has been diagnosed with attention deficit hyperactivity disorder, which impairs his ability to control his impulses, an attorney for him said at the time of his arrest. Authorities did not say how Walls and the girl were related. |
Whilst it is very hard task to choose reliable exam Dumps 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 questions 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 exam simulator. Visit their test questions and trial brain dumps, their exam simulator and you will definitely know that killexams.com is the best brain dumps site.
Which is the best dumps website?
Absolutely yes, Killexams is fully legit and also fully dependable. There are several features that makes killexams.com realistic and reliable. It provides up to par and fully valid test questions formulated with real exams questions and answers. Price is nominal as compared to a lot of the services on internet. The Dumps are modified on ordinary basis along with most latest brain dumps. Killexams account set up and item delivery is very fast. Record downloading is unlimited and fast. Help is avaiable via Livechat and Contact. These are the characteristics that makes killexams.com a strong website that deliver test questions with real exams questions.
Is killexams.com test material dependable?
There are several Dumps provider in the market claiming that they provide actual 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 2023 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 exam Dumps with the same frequency as they are updated in Real Test. test questions provided by killexams.com are Reliable, Up-to-date and validated by Certified Professionals. They maintain question bank 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 download PDF exam 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 Dumps will be provided in your download Account. You can download Premium test questions 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 actual Test. Go register for Test in Test Center and Enjoy your Success.
ICDL-ACCESS VCE exam | CIA-III Practice Questions | 156-315.81 dump questions | HD0-200 test questions | GPYC VCE exam | NCSE-Level-1 questions download | II0-001 free online test | 2V0-01-19 Latest courses | CPIM trial questions | HCE-5420 mock exam | 050-CSEDLPS exam Cram | PDPF test questions | 3171T exam answers | 4H0-004 questions answers | ASVAB-Automotive-and-Shop exam questions | PSE-Strata dump | PMI-002 english test questions | 500-470 Free PDF | WPT-R exam test | MS-101 VCE exam |
APA-CPP-Remote - CPP-Remote Certified Payroll Professional Practice Test
APA-CPP-Remote - CPP-Remote Certified Payroll Professional PDF Dumps
APA-CPP-Remote - CPP-Remote Certified Payroll Professional real questions
APA-CPP-Remote - CPP-Remote Certified Payroll Professional Latest Questions
APA-CPP-Remote - CPP-Remote Certified Payroll Professional exam format
APA-CPP-Remote - CPP-Remote Certified Payroll Professional actual Questions
APA-CPP-Remote - CPP-Remote Certified Payroll Professional test
APA-CPP-Remote - CPP-Remote Certified Payroll Professional exam format
APA-CPP-Remote - CPP-Remote Certified Payroll Professional test
APA-CPP-Remote - CPP-Remote Certified Payroll Professional Latest Questions
APA-CPP-Remote - CPP-Remote Certified Payroll Professional exam Questions
APA-CPP-Remote - CPP-Remote Certified Payroll Professional learning
APA-CPP-Remote - CPP-Remote Certified Payroll Professional PDF Questions
APA-CPP-Remote - CPP-Remote Certified Payroll Professional testing
APA-CPP-Remote - CPP-Remote Certified Payroll Professional information search
APA-CPP-Remote - CPP-Remote Certified Payroll Professional exam Braindumps
APA-CPP-Remote - CPP-Remote Certified Payroll Professional boot camp
APA-CPP-Remote - CPP-Remote Certified Payroll Professional Question Bank
APA-CPP-Remote - CPP-Remote Certified Payroll Professional learn
APA-CPP-Remote - CPP-Remote Certified Payroll Professional exam Braindumps
APA-CPP-Remote - CPP-Remote Certified Payroll Professional exam Braindumps
APA-CPP-Remote - CPP-Remote Certified Payroll Professional exam Questions
APA-CPP-Remote - CPP-Remote Certified Payroll Professional study help
APA-CPP-Remote - CPP-Remote Certified Payroll Professional techniques
APA-CPP-Remote - CPP-Remote Certified Payroll Professional Free PDF
APA-CPP-Remote - CPP-Remote Certified Payroll Professional Free exam PDF
APA-CPP-Remote - CPP-Remote Certified Payroll Professional course outline
APA-CPP-Remote - CPP-Remote Certified Payroll Professional exam Cram
APA-CPP-Remote - CPP-Remote Certified Payroll Professional Test Prep
APA-CPP-Remote - CPP-Remote Certified Payroll Professional boot camp
APA-CPP-Remote - CPP-Remote Certified Payroll Professional study help
APA-CPP-Remote - CPP-Remote Certified Payroll Professional tricks
APA-CPP-Remote - CPP-Remote Certified Payroll Professional PDF Download
APA-CPP-Remote - CPP-Remote Certified Payroll Professional PDF Dumps
APA-CPP-Remote - CPP-Remote Certified Payroll Professional PDF Download
APA-CPP-Remote - CPP-Remote Certified Payroll Professional guide
APA-CPP-Remote - CPP-Remote Certified Payroll Professional PDF Braindumps
APA-CPP-Remote - CPP-Remote Certified Payroll Professional techniques
APA-CPP-Remote - CPP-Remote Certified Payroll Professional PDF Download
APA-CPP-Remote - CPP-Remote Certified Payroll Professional exam Questions
APA-CPP-Remote - CPP-Remote Certified Payroll Professional real questions
APA-CPP-Remote - CPP-Remote Certified Payroll Professional exam contents
APA-CPP-Remote - CPP-Remote Certified Payroll Professional dumps
APA-CPP-Remote - CPP-Remote Certified Payroll Professional information search
Other APA exam Dumps
APA-CPP exam dumps | APA-CPP-Remote real questions | AICP free pdf |
Best test questions You Ever Experienced
E20-598 test example | 300-725 questions and answers | MSFP dumps | CSSGB assessment test sample | MB-310 brain dumps | DANB PDF Braindumps | CISSP exam Braindumps | Salesforce-Certified-Advanced-Administrator pdf download | CIA-II exam papers | ACE study guide | CSET writing test questions | ITEC-Massage practical test | CTAL-TM-001 exam prep | CIMAPRO19-E01-1-ENG Practice Test | HH0-210 question test | CSWIP test prep | 1T6-323 mock questions | 922-080 practice test | 3X0-201 training material | PCCSA boot camp |
References :
Similar Websites :
Pass4sure Certification exam dumps
Pass4Sure exam Questions and Dumps
APA-CPP-Remote 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 APA-CPP-Remote 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