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 ASTQB-CMT?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der ASTQB-CMT: ASTQB Certified Mobile Tester Prüfung.

2023 Updated Actual ASTQB-CMT questions as experienced in Test Center

Laden Sie ASTQB-CMT Übungstest und aktuelle Fragen herunter - easy finanz | easyfinanz

ASTQB Certified Mobile Tester practice questions with Latest ASTQB-CMT practice questions | https://www.easyfinanz.cc/

ASTQB ASTQB-CMT : ASTQB Certified Mobile Tester test Dumps

Exam Dumps Organized by Lee



Latest 2022 Updated Syllabus
ASTQB-CMT test Dumps | Latest Braindumps with genuine Questions

Real Questions from Latest syllabus of ASTQB-CMT - Updated Daily - 100% Pass Guarantee



ASTQB-CMT trial Questions : Download 100% Free ASTQB-CMT test Dumps (PDF and VCE)

Exam Number : ASTQB-CMT
Exam Name : ASTQB Certified Mobile Tester
Vendor Name : ASTQB
Update : Click Here to Check Latest Update
Question Bank : Check Questions

An easy way to go ASTQB ASTQB-CMT with their PDF Braindumps
If you are searching for ASTQB ASTQB-CMT PDF Download of Latest Topics for the ASTQB Certified Mobile Tester test preparation. They last legit, current and existing ASTQB-CMT Actual Questions for exercise. They have gathered a data bank of ASTQB-CMT Actual Questions through real exams that you need to remember It would connect you with practice and pass ASTQB-CMT test around the first test. Simply established together their ASTQB-CMT Braindumps and the perform is done. You can pass ASTQB-CMT exam.

Protecting a small amount sometime causes a massive reduction. It is really the scenario whenever you examine totally free goods trying so that you can pass ASTQB-CMT exam. Numerous surprises are usually waiting for an individual at the genuine ASTQB-CMT test. Small upkeep causes a large reduction. You ought not really depend upon free items when you are normally likely to appear for ASTQB-CMT exam. This is not extremely easy to pass ASTQB-CMT examination along with just word books or maybe program ebooks. You require to help expertise the specific tricky examples within ASTQB-CMT exam. These types of queries are usually covered in killexams.com ASTQB-CMT Real test Questions. Their own ASTQB-CMT requests bank helps make your own planning for test far quick compared to previous to. Just get ASTQB-CMT cheat sheet and start finding out. You can think that will your understanding is usually improved to a huge extent.

Attributes of Killexams ASTQB-CMT PDF Questions
-> Immediate ASTQB-CMT PDF Questions obtain Accessibility
-> Comprehensive ASTQB-CMT Questions in addition to Answers
-> 98% Success Price of ASTQB-CMT test
-> Secured genuine ASTQB-CMT test concerns
-> ASTQB-CMT Issues Updated with Regular foundation.
-> Valid in addition to 2022 Up to date ASTQB-CMT test Dumps
-> completely Portable ASTQB-CMT test Data
-> Full included ASTQB-CMT VCE test Sim
-> No Control on ASTQB-CMT test Down load Access
-> Wonderful Discount Coupons
-> completely Secured Down load Account
-> completely Confidentiality Guaranteed
-> 100% Accomplishment certain
-> completely Free Dumps trial Issues
-> No Concealed Cost
-> Not any Monthly Costs
-> No Programmed Account Rebirth
-> ASTQB-CMT test Update Appel by E mail
-> Free Tech support team

Discounted Coupon with Full ASTQB-CMT PDF Questions Latest Questions;
WC2020: 60% Toned Discount on each of your test
PROF17: 10% More Discount with Value Higher than $69
DEAL17: 15% More Discount with Value Higher than $99







ASTQB-CMT test Format | ASTQB-CMT Course Contents | ASTQB-CMT Course Outline | ASTQB-CMT test Syllabus | ASTQB-CMT test Objectives


Exam Code : ASTQB-MT
Exam Name : ASTQB Certified Mobile Tester
Exam Duration : 60 Minutes
Number of Questions : 40
Passing Score : 65%
Format : Multiple Choice Questions

Learning Objectives for Introduction to Mobile Testing
1.2 Expectations from Mobile Users
MOB-1.2.1 (K2) Explain the expectations for a mobile application user and how this affects test prioritization
1.3 Challenges for Testers
MOB-1.3.1 (K2) Explain the challenges testers encounter in mobile application testing and how the environments and skills must change to address those challenges
MOB-1.3.2 (K2) Summarize the different types of mobile applications
1.5 Equipment Requirements
MOB-1.5.1 (K2) Explain how equivalence partitioning can be used to select devices for testing
1.6 Lifecycle Models
MOB-1.6.1 (K2) Describe how some software development lifecycle models are more appropriate for mobile applications

Mobile applications generally fall into two categories, those developed specifically to be native mobile applications and those that were designed to be viewed through a web browser on a mobile device. From the users viewpoint, there is no difference, although some browser-based applications may be optimized for the mobile device providing a richer (or at least more readable) user experience. From the developers and testers viewpoint, there are different challenges, goals and success criteria. This syllabus is focused on the applications specifically developed for use by a mobile device although there will be some discussion about applications that have become mobile despite the original intentions.
Mobile devices include any of the so-called hand-held devices including (dumb) mobile phones, smart phones and tablets/netbooks as well as devices that have been created for a specific use such as ereaders or a device used by a parcel delivery service that allows the driver to record delivery, the customer to sign and an image to be taken documenting the delivery. Mobile devices also extend to wearable items such as smart watches and glasses that allow access to specific applications and may include additional native functionality, such as telling time or improving vision. While some of the mobile application testing concepts discussed in this syllabus are applicable to wearable devices, wearable devices are not the focus of this syllabus. The field of mobile devices is continually expanding as new uses are devised and devices are created to support those uses

COURSE OUTLINE, COURSE CONTENTS, SYLLABUS

Introduction to Mobile Testing
Expectations from Mobile Users - Explain the expectations for a mobile application user and how this affects test prioritization Challenges for Testers
- Explain the challenges testers encounter in mobile application testing and how the environments and skills must change to address those challenges
- Summarize the different types of mobile applications
Equipment Requirements - Explain how equivalence partitioning can be used to select devices for testing
Lifecycle Models - Describe how some software development lifecycle models are more appropriate for mobile applications
Test Planning and Design
Identify Functions and Attributes
- Explain why use cases are a good source of testing requirements for mobile applications
Identify and Assess Risks
- Describe different approaches to risk analysis
Determine Coverage Goals
- Explain how coverage goals will influence the level and type of testing to be conducted
Identify Test Conditions and Set Scope
- Describe how test analysts should take the device and application into consideration when creating test conditions
Quality Characteristics for Mobile Testing
Functional Testing - For a given mobile testing project apply the appropriate test design techniques
- Recall the purpose of testing for the correctness of an application
- Explain the important considerations for planning security testing for a mobile application
- Summarize the concepts of perspectives and personas for use in mobile application testing
- Summarize how device differences may affect testing
- Explain the use of Teststorming for deriving test conditions
Non-Functional Testing - Create a test approach that would achieve stated performance testing goals
- Recall aspects of the application that should be tested during performance testing
- Explain why real devices are needed when simulators are used for testing
- For a given mobile testing project, select the appropriate criteria to be Tested with usability testing
- Explain the challenges for portability and reliability testing mobile applications
Environments and Tools
Tools - Recall the expected capabilities for mobile application testing tools
- Explain the use of generic tools in testing mobile applications
Environments and Protocols - Recall the sources of data for a mobile application
Specific Application-Based Environment Considerations
- Explain the differences between browser-based and native device applications
Real Devices, Simulators, Emulators and the Cloud
- Explain why testing is not conducted entirely on real devices
- For a given mobile testing project, determine how and when to use simulators/emulators during testing
- Recall how to verify the reliability of a simulator/emulator
- For a given mobile testing project, determine how and when to use cloud-based testing
Performance Test Tools and Support - Explain how the cloud can be used to support performance testing
- Explain the types of data a performance tool needs to be able to create and track
Future-Proofing
Expect Rapid Growth - Recall ways in which the mobile application and device market will expand
- Recall areas in which user expectations will increase
Build for Change - Summarize the considerations for building a flexible testing framework
- Analyze a given mobile testing project and determine the appropriate activities to reduce maintenance costs while enabling wide product adoption
Plan for the Future - Explain how lifecycle models are likely to change and how this will affect testing
Anticipating the Future - Recall the ways in which testers will need to adapt



Killexams Review | Reputation | Testimonials | Feedback


I feel very confident through ASTQB-CMT braindumps.
I was suggested to the killexams.com dumps as a brisk reference for my exam. They finished an excellent task, I in reality like their overall performance and fashion of running. The short-duration answers had been tons less worrying to take into account. I dealt with 98% of questions scoring 80% marks. The test ASTQB-CMT became a noteworthy challenge for my IT profession. At the same time, I did not contribute a whole lot of time to installation my-self correctly for this exam.


Nice to pay interest that real test questions updated ASTQB-CMT test are available.
My brother made me sad, telling me that I was not going to undergo the ASTQB-CMT exam. I word once I look out of doors the window, such a variety of unique humans need to be visible and heard from and that they certainly want the eye folks however I can tell you that they college students can get this hobby at the same time as they pass their ASTQB-CMT test and I can help you to understand how I passed my ASTQB-CMT test changed into Great once I have been given my test questions from killexams.com which gave me the wish in my eyes collectively all the time.


Get value pack of knowledge to read ASTQB-CMT exam.
I do not experience by myself mid tests any longer because I have a beautiful test partner as killexams.com dumps. I am quite appreciative to the educators right here for being so extraordinary and correctly disposed of and assisting me in passing my distinct test ASTQB-CMT. I answered all questions in the exam. This equal course turned into given to me amid my exams and it did not make a difference whether or not or no longer it has become day or night, all my questions have been speaking back.


Got no hassle! three days study of ASTQB-CMT latest dumps is required.
killexams.com from helped me get my ASTQB-CMT certification certification. Their materials are beneficial, and the test simulator is truly wonderful, it completely reproduces the exam. syllabus are smooth very with without trouble the usage of the killexams.com test dumps. The test itself changed into unpredictable, so I am satisfied I applied killexams.com questions and answers. Their packs unfold all that I want, and that I will not get any unsavory shocks amid your exam. Thanx guys.


It is unbelieveable, however ASTQB-CMT genuine questions are availabe here.
I was very disappointed once I failed my ASTQB-CMT exam. looking at the internet informed me that there will be an internet site killexams.com that is the source that I want to pass the ASTQB-CMT test in no time. I bought the ASTQB-CMT coaching containing questions answers and test simulator by killexams, It helped me to prepare for my exams and sit down inside the exam, and were given 98% marks. Thanks to the killexams.com crew.


ASTQB Tester test Braindumps

While it is hard job to pick solid certification questions/answers regarding review, reputation and validity since individuals get sham because of picking incorrec service. Killexams.com ensure to serve its customers best to its efforts as for test dumps update and validity. Most of other's post false reports with objections about us for the brain dumps bout their customers pass their exams cheerfully and effortlessly. They never bargain on their review, reputation and quality because killexams review, killexams reputation and killexams customer certainty is imperative to us. Extraordinarily they deal with false killexams.com review, killexams.com reputation, killexams.com scam reports. killexams.com trust, killexams.com validity, killexams.com report and killexams.com that are posted by genuine customers is helpful to others. If you see any false report posted by their opponents with the name killexams scam report on web, killexams.com score reports, killexams.com reviews, killexams.com protestation or something like this, simply remember there are constantly terrible individuals harming reputation of good administrations because of their advantages. Most clients that pass their exams utilizing killexams.com brain dumps, killexams PDF questions, killexams practice questions, killexams test VCE simulator. Visit their example questions and test brain dumps, their test simulator and you will realize that killexams.com is the best test dumps site.

Is Killexams.com Legit?
Without a doubt, Killexams is 100 % legit plus fully reliable. There are several capabilities that makes killexams.com real and legit. It provides up to date and 100 % valid test dumps including real exams questions and answers. Price is suprisingly low as compared to almost all the services on internet. The Braindumps are modified on usual basis together with most accurate brain dumps. Killexams account setup and supplement delivery is extremely fast. Data downloading is actually unlimited and also fast. Guidance is avaiable via Livechat and Electronic mail. These are the features 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 Braindumps 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 obtain sites or reseller sites. Thats why killexams.com update test Braindumps 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 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 Braindumps 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 genuine Test. Go register for Test in Exam Center and Enjoy your Success.




DES-5221 Free test PDF | Salesforce-Certified-Community-Cloud-Consultant past bar exams | DMF-1220 test prep | SAFe-Practitioner test dumps | NCC practice test | NS0-194 Dumps | SEND Braindumps | MCPA-Level-1 trial test questions | AD0-E308 mock questions | PMI-RMP questions obtain | OG0-092 Braindumps | SAP-C01 practice questions | ASVAB-Mechanical-Comp english test questions | TA-002-P test Questions | TCRN cheat sheets | Servicenow-CIS-EM practice questions | DES-1241 braindumps | Copado-Developer study guide | 500-701 test Cram | MB-210 test prep |


ASTQB-CMT - ASTQB Certified Mobile Tester PDF Questions
ASTQB-CMT - ASTQB Certified Mobile Tester PDF Download
ASTQB-CMT - ASTQB Certified Mobile Tester PDF Questions
ASTQB-CMT - ASTQB Certified Mobile Tester Test Prep
ASTQB-CMT - ASTQB Certified Mobile Tester syllabus
ASTQB-CMT - ASTQB Certified Mobile Tester learn
ASTQB-CMT - ASTQB Certified Mobile Tester Test Prep
ASTQB-CMT - ASTQB Certified Mobile Tester Real test Questions
ASTQB-CMT - ASTQB Certified Mobile Tester Dumps
ASTQB-CMT - ASTQB Certified Mobile Tester book
ASTQB-CMT - ASTQB Certified Mobile Tester Questions and Answers
ASTQB-CMT - ASTQB Certified Mobile Tester teaching
ASTQB-CMT - ASTQB Certified Mobile Tester PDF Questions
ASTQB-CMT - ASTQB Certified Mobile Tester test prep
ASTQB-CMT - ASTQB Certified Mobile Tester syllabus
ASTQB-CMT - ASTQB Certified Mobile Tester book
ASTQB-CMT - ASTQB Certified Mobile Tester Study Guide
ASTQB-CMT - ASTQB Certified Mobile Tester test contents
ASTQB-CMT - ASTQB Certified Mobile Tester teaching
ASTQB-CMT - ASTQB Certified Mobile Tester genuine Questions
ASTQB-CMT - ASTQB Certified Mobile Tester information hunger
ASTQB-CMT - ASTQB Certified Mobile Tester test syllabus
ASTQB-CMT - ASTQB Certified Mobile Tester test
ASTQB-CMT - ASTQB Certified Mobile Tester test
ASTQB-CMT - ASTQB Certified Mobile Tester book
ASTQB-CMT - ASTQB Certified Mobile Tester Questions and Answers
ASTQB-CMT - ASTQB Certified Mobile Tester Questions and Answers
ASTQB-CMT - ASTQB Certified Mobile Tester Dumps
ASTQB-CMT - ASTQB Certified Mobile Tester Test Prep
ASTQB-CMT - ASTQB Certified Mobile Tester PDF Download
ASTQB-CMT - ASTQB Certified Mobile Tester test syllabus
ASTQB-CMT - ASTQB Certified Mobile Tester Test Prep
ASTQB-CMT - ASTQB Certified Mobile Tester test success
ASTQB-CMT - ASTQB Certified Mobile Tester real questions
ASTQB-CMT - ASTQB Certified Mobile Tester Latest Questions
ASTQB-CMT - ASTQB Certified Mobile Tester information source
ASTQB-CMT - ASTQB Certified Mobile Tester Latest Questions
ASTQB-CMT - ASTQB Certified Mobile Tester real questions
ASTQB-CMT - ASTQB Certified Mobile Tester information source
ASTQB-CMT - ASTQB Certified Mobile Tester teaching
ASTQB-CMT - ASTQB Certified Mobile Tester test syllabus
ASTQB-CMT - ASTQB Certified Mobile Tester genuine Questions
ASTQB-CMT - ASTQB Certified Mobile Tester information hunger
ASTQB-CMT - ASTQB Certified Mobile Tester education
ASTQB-CMT - ASTQB Certified Mobile Tester PDF Download
ASTQB-CMT - ASTQB Certified Mobile Tester education
ASTQB-CMT - ASTQB Certified Mobile Tester PDF Dumps
ASTQB-CMT - ASTQB Certified Mobile Tester study help
ASTQB-CMT - ASTQB Certified Mobile Tester test Questions
ASTQB-CMT - ASTQB Certified Mobile Tester answers
ASTQB-CMT - ASTQB Certified Mobile Tester teaching
ASTQB-CMT - ASTQB Certified Mobile Tester test syllabus
ASTQB-CMT - ASTQB Certified Mobile Tester Real test Questions



Best Certification test Dumps You Ever Experienced


ISTQB-Advanced-Level-1 test dumps | TM12 test questions | ASTQB-CMT study guide | ATTA braindumps | TTA1 cheat sheet pdf | ATM free pdf | ISTQB-Advanced-Level-3 past exams | TA12 Study Guide | ISTQB-Advanced-Level-2 prep questions | CTAL-TM_Syll2012 test questions | ISTQB-Level-1 pass marks | CTFL-2018 test answers | CTAL-TA_Syll2012 PDF obtain |





References :


https://ello.co/killexamz/post/nyfgne9f0jd_3uh905hg1w
https://drp.mk/i/QvpJjXmkvc
https://justpaste.it/ASTQB-CMT
https://www.instapaper.com/read/1400484737
http://feeds.feedburner.com/NeverMissTheseHp0-335QuestionsBeforeYouGoForTest
http://killexams.decksrusct.com/blog/certification-exam-dumps/astqb-cmt-astqb-certified-mobile-tester-questions-and-answers-by-killexams-com/
https://arfansaleemfan.blogspot.com/2021/05/astqb-cmt-astqb-certified-mobile-tester.html
https://spaces.hightail.com/space/v47qz1ixkg/files/fi-064620e0-76eb-4dad-a10d-9a56a90143a8/fv-e102e80c-cc39-4394-8078-785f85918bd0/Power-Systems-with-POWER7-and-IBM-i-Technical-Sales-Skills-v2-(000-226).pdf#pageThumbnail-1
https://sites.google.com/view/killexams-astqb-cmt-boot-camp



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






Direct Download

ASTQB-CMT 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.

ASTQB-CMT Reviews

100% Valid and Up to Date ASTQB-CMT 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