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 Advance-RPA-Pro?
Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der Advance-RPA-Pro: Advanced RPA Professional Automation Anywhere Certified Advanced RPA Professional (V11) Prüfung.
2025 Updated Actual Advance-RPA-Pro questions as experienced in Test Center
Aktuelle Advance-RPA-Pro Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz
![]() Automation-Anywhere Advance-RPA-Pro : Advanced RPA Professional Automation Anywhere Certified Advanced RPA Professional (V11) Practice TestsPractice Tests Organized by Martha nods |
Latest 2025 Updated Automation-Anywhere Advanced RPA Professional Automation Anywhere Certified Advanced RPA Professional (V11) Syllabus
Advance-RPA-Pro dumps collection with Premium PDF and Test Engine
Practice Tests and Free VCE Software - Questions Updated on Daily Basis
Big Discount / Cheapest price & 100% Pass Guarantee
Advance-RPA-Pro dumps collection : Download 100% Free Advance-RPA-Pro practice tests (PDF and VCE)
Exam Number : Advance-RPA-Pro
Exam Name : Advanced RPA Professional Automation Anywhere Certified Advanced RPA Professional (V11)
Vendor Name : Automation-Anywhere
Update : Click Here to Check Latest Update
Question Bank : Check Questions
High Scores in Advance-RPA-Pro test with these Free PDF
Memorizing and practicing Advance-RPA-Pro Premium Questions and Ans from killexams.com is adequate to certain your 100% achievement in the genuine Advance-RPA-Pro test. Simply visit killexams.com and download 100% free Exam Questions to try before you finally register for the full Advance-RPA-Pro Premium Questions and Ans. That will provide you with the smartest move to pass the Advance-RPA-Pro exam. Your download section will have the latest Advance-RPA-Pro exam files with the VCE exam simulator. Just read the PDF and practice with the exam simulator.
Many candidates have given testimonials of passing the Advance-RPA-Pro test with the help of their Practice Test. They are now working in great positions within their organizations. It is a fact that after using their Advance-RPA-Pro TestPrep, they have seen improvements in their knowledge and skills. They can confidently work as experts in their respective fields. Their focus is not just on passing the Advance-RPA-Pro test with their braindumps, but also on improving their candidates' understanding of Advance-RPA-Pro goals and objectives. This is how individuals become successful in their careers.
If you are looking to pass the Automation-Anywhere Advance-RPA-Pro test to get a job or advance your current position within your organization, then you should register at killexams.com. Their team of experts collects genuine Advance-RPA-Pro test questions at killexams.com. You will receive Advanced RPA Professional Automation Anywhere Certified Advanced RPA Professional (V11) test questions to ensure that you pass the Advance-RPA-Pro test. Every time you log in to your account, you will be able to download updated Advance-RPA-Pro test questions. While there are many organizations that offer Advance-RPA-Pro Mock Questions, only valid and up-to-date 2025 Advance-RPA-Pro Actual Questions are significant. Be careful relying solely on Free Dumps found on the internet, as you may fail the test. Therefore, paying a small fee for killexams Advance-RPA-Pro genuine questions is a smart choice to avoid significant test expenses.

Advance-RPA-Pro exam Format | Advance-RPA-Pro Course Contents | Advance-RPA-Pro Course Outline | Advance-RPA-Pro exam Syllabus | Advance-RPA-Pro exam Objectives
Exam Detail:
The Advance-RPA-Pro (Advanced RPA Professional) certification exam, also known as Automation Anywhere Certified Advanced RPA Professional (V11), is designed to validate the advanced skills and knowledge of professionals in using Automation Anywhere's Robotic Process Automation (RPA) software. Here are the exam details for Advance-RPA-Pro:
- Number of Questions: The exam consists of multiple-choice questions, and the exact number of questions may vary. Typically, the exam includes around 60 to 70 questions.
- Time Limit: The time allocated to complete the exam is 90 minutes (1 hour and 30 minutes).
Course Outline:
The Advance-RPA-Pro certification exam focuses on assessing candidates' proficiency in advanced concepts and functionalities of Automation Anywhere RPA software. The course outline typically includes the following areas:
1. Bot Creation and Management:
- Understanding the Automation Anywhere Control Room.
- Creating bots using Automation Anywhere's bot creator.
- Managing bots, scheduling, and task execution.
2. Advanced Task Automation:
- Using advanced features and commands in Automation Anywhere.
- Managing variables, loops, and conditions.
- Implementing error handling and exception handling in bots.
3. Web Automation:
- Automating web-based applications and processes.
- Working with web elements, forms, and data extraction.
- Implementing web automation best practices.
4. Data Manipulation and Excel Automation:
- Working with data tables and databases.
- Extracting, manipulating, and transforming data.
- Automating Excel operations and data processing.
5. Integration and Email Automation:
- Integrating Automation Anywhere with other applications and systems.
- Automating email communication and handling.
- Implementing file and folder operations.
6. MetaBots and IQ Bots:
- Creating and using MetaBots for reusable automation components.
- Implementing cognitive automation using IQ Bots.
- Training IQ Bots for document processing and data extraction.
Exam Objectives:
The objectives of the Advance-RPA-Pro exam are as follows:
- Evaluating candidates' advanced skills and knowledge in using Automation Anywhere RPA software.
- Testing candidates' understanding of bot creation, management, and scheduling.
- Assessing candidates' ability to automate complex tasks and processes using advanced features and commands.
- Evaluating candidates' proficiency in web automation, data manipulation, and Excel automation.
- Testing candidates' knowledge of integration, email automation, and file operations.
- Assessing candidates' understanding of MetaBots and IQ Bots for advanced automation scenarios.
Exam Syllabus:
The specific exam syllabus for the Advance-RPA-Pro exam covers a wide range of subjects related to advanced RPA concepts and Automation Anywhere software. The syllabus includes:
1. Bot Creation and Management
2. Advanced Task Automation
3. Web Automation
4. Data Manipulation and Excel Automation
5. Integration and Email Automation
6. MetaBots and IQ Bots
Killexams Review | Reputation | Testimonials | Feedback
Where should I register for the Advance-RPA-Pro exam?
I failed my Advance-RPA-Pro exam 12 months ago because I found the subject difficult to manage. However, my perspective changed after I discovered the mock exam testprep from killexams. It is the best guide I have ever purchased for exam preparation. Even a slow learner like me was able to cope with the material and passed the exam with 89% marks. I felt on top of the world and grateful to Killexams for their guidance.
Where can I register for the Advance-RPA-Pro exam?
Sometimes, they encounter situations that they cannot forget or overlook, but eventually, they come to understand that they serve a purpose. In my case, passing the Advance-RPA-Pro exam with killexams.com was a significant achievement, and I do not regret choosing an online learning platform over traditional books.
Where can I register for the Advance-RPA-Pro exam?
Killexams.com proved to be a great resource for me as I was Studying for my Advance-RPA-Pro exam. It was challenging to pick out the right exam material, but I discovered this website while searching for certification practice test. I subscribed to it and noticed that it had a wealth of sources that I could use to prepare for my exam. Thanks to killexams.com, I was able to pass the exam with ease.
The Advance-RPA-Pro exam isn't any harder with these Q&As.
I was able to achieve a score of 89% on the Advance-RPA-Pro exam with the help of killexams.com's practice exam aide. The themes of the exam were challenging for me, but the short-length answers in basic language were very helpful for quick reference. Thank you for the support.
An absolutely remarkable experience with Advance-RPA-Pro real test questions!
I required a book that could provide mock exam to help me prepare for the Advance-RPA-Pro exam, and Killexams provided me with the singularly responsible material. Killexams helped me understand the subject of creating a session room, which was previously a frail branch of knowledge for me. Thanks to Killexams, I could pass the exam after failing it for three consecutive years.
Automation-Anywhere Advanced exam help
Advance-RPA-Pro Exam
User: Olyssia*****![]() ![]() ![]() ![]() ![]() killexams.com helped me pass my advance-rpa-pro exam and retain my job in my current company. Their training package of advance-rpa-pro questions, answers, and exam simulator was fantastic, and I am now advance-rpa-pro certified. I want to thank killexams.com for their awesome work. |
User: Catalina*****![]() ![]() ![]() ![]() ![]() After failing the advance-rpa-pro exam twice, I heard about the killexams.com certain and decided to purchase their advance-rpa-pro Questions and Answers. The online exam simulator was particularly useful, as it helped me to practice answering questions within the allotted time frame. With regular practice, I was able to perform better and maintain my composure during the real exam, which resulted in me passing the exam and becoming IT certified. |
User: Sara*****![]() ![]() ![]() ![]() ![]() I am thrilled to announce that I passed the advance-rpa-pro exam with a score of 92%. I owe my success to the notes and questions provided by killexams.com. Their material made the exam easy for me. The course notes were well-written, and the practice exams were useful in preparing me for the exam. I especially appreciated their treatment of Instructor Communication and Presentation Skills. |
User: Natalyah*****![]() ![]() ![]() ![]() ![]() Most of the questions in the ADVANCE-RPA-PRO exam were identical to the Killexams.com mock exam material, which helped me save time and complete all 75 questions. The up-to-date questions made me feel confident in passing the exam. |
User: Lia*****![]() ![]() ![]() ![]() ![]() I was confident in my internet skills until I discovered the remarkable Killexams.com. With Killexams.com, I received a whole new world of resources that led to my success. |
Advance-RPA-Pro Exam
Question: It is 2021, Are Advance-RPA-Pro actual questions up to date? Answer: Yes, as a registered user at killexams.com, you will be able to download the latest 2021 and 100% valid Advance-RPA-Pro dumps collection containing the full version of Advance-RPA-Pro test prep. Read and practice these actual questions before you go for the real test. Advance-RPA-Pro practice tests are very important to get ready for the real exam. All the updated files are copied to your account after you become a registered member. You can download it anytime you like. |
Question: Where should I register for Advance-RPA-Pro exam? Answer: You can register at killexams.com by choosing the exam that you want to pass. You need not signup, just add the exam to the cart and go through the payment procedure. Your account will be automatically created and you will receive your login details by email. Killexams.com is the right place to download the latest and up-to-date Advance-RPA-Pro questions that work great in the real Advance-RPA-Pro test. These Advance-RPA-Pro questions are carefully collected and included in Advance-RPA-Pro question bank. You can register at killexams and download the complete question bank. Practice with Advance-RPA-Pro exam simulator and get High Score in the exam. |
Question: Is it possible for me to download Advance-RPA-Pro PDF free? Answer: Yes, you can download Advance-RPA-Pro trial questions to evaluate the full version of the product. When you go through the product and find it useful for your Advance-RPA-Pro exam, Go to the killexams.com website, register, and download the full Advance-RPA-Pro exam version with a complete Advance-RPA-Pro question bank. Memorize all the questions and practice with the exam simulator again and again. You will be ready for the real Advance-RPA-Pro test. |
Question: Is there a person who passed Advance-RPA-Pro exam, I want to read testimonials? Answer: Of course, you can go through the remarks and reviews of people about the Advance-RPA-Pro exam. You can go to Advance-RPA-Pro exam page at killexams.com by clicking https://killexams.com/pass4sure/exam-detail/Advance-RPA-Pro and go to the page bottom to see testimonials. Several people pass their exams with their Advance-RPA-Pro dumps. |
Question: Did you try these Advance-RPA-Pro real question banks and test prep? Answer: Yes, try these Advance-RPA-Pro mock exam because these questions are taken from real Advance-RPA-Pro question banks and collected by killexams.com from authentic sources. These Advance-RPA-Pro practice exam are especially supposed to help you pass the exam. |
https://www.pass4surez.com/art/read.php?keyword=Automation-Anywhere+Advanced+exam+help&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 real qeustions 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 exam simulator. Visit Killexams.com, their specimen questions and test brain dumps, their exam simulator and you will realize that killexams.com is the best brain dumps site.
Which is the best practice tests website?
Of course, Killexams is 100% legit along with fully reputable. There are several attributes that makes killexams.com legitimate and legit. It provides up to par and 100% valid exam questions formulated with real exams questions and answers. Price is small as compared to many of the services online. The mock exam are updated on ordinary basis using most recent questions. Killexams account make and merchandise delivery is quite fast. Data file downloading will be unlimited and also fast. Help is avaiable via Livechat and Email. These are the characteristics that makes killexams.com a strong website that provide exam prep with real exams questions.
Is killexams.com test material dependable?
There are several mock exam provider in the market claiming that they provide real 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 2025 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 mock exam with the same frequency as they are updated in Real Test. exam questions provided by killexams.com are Reliable, Up-to-date and validated by Certified Professionals. They maintain dumps collection 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 subjects of new syllabus, They recommend to download PDF exam 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 mock exam will be provided in your download Account. You can download Premium practice exam files as many times as you want, There is no limit.
Killexams.com has provided VCE practice 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 real Test. Go register for Test in Exam Center and Enjoy your Success.
PEGACPRSAV22 exam cram | S10-110 exam questions | PMI-SP trial test | 312-50v11 english test questions | ACRP-CPI exam answers | HPE0-P27 free practice exam | Certified-Development-Lifecycle-and-Deployment-Designer exam results | 1V0-81.20 test prep | CCSPA practice exam | PACE mock exam | SAT study guide | CWM_LEVEL_II pass marks | C1000-138 exam questions | DES-DD23 pdf download | C1000-101 free pdf download | CRRN pdf questions | CAU302 writing test questions | DES-1721 question test | ACCNS-N Latest Questions | LSAT-reading-comprehension exam Cram |
Advance-RPA-Pro - Advanced RPA Professional Automation Anywhere Certified Advanced RPA Professional (V11) learn
Advance-RPA-Pro - Advanced RPA Professional Automation Anywhere Certified Advanced RPA Professional (V11) exam Cram
Advance-RPA-Pro - Advanced RPA Professional Automation Anywhere Certified Advanced RPA Professional (V11) PDF Download
Advance-RPA-Pro - Advanced RPA Professional Automation Anywhere Certified Advanced RPA Professional (V11) Free PDF
Advance-RPA-Pro - Advanced RPA Professional Automation Anywhere Certified Advanced RPA Professional (V11) cheat sheet
Advance-RPA-Pro - Advanced RPA Professional Automation Anywhere Certified Advanced RPA Professional (V11) exam Questions
Advance-RPA-Pro - Advanced RPA Professional Automation Anywhere Certified Advanced RPA Professional (V11) teaching
Advance-RPA-Pro - Advanced RPA Professional Automation Anywhere Certified Advanced RPA Professional (V11) tricks
Advance-RPA-Pro - Advanced RPA Professional Automation Anywhere Certified Advanced RPA Professional (V11) exam cram
Advance-RPA-Pro - Advanced RPA Professional Automation Anywhere Certified Advanced RPA Professional (V11) PDF Download
Advance-RPA-Pro - Advanced RPA Professional Automation Anywhere Certified Advanced RPA Professional (V11) Free PDF
Advance-RPA-Pro - Advanced RPA Professional Automation Anywhere Certified Advanced RPA Professional (V11) boot camp
Advance-RPA-Pro - Advanced RPA Professional Automation Anywhere Certified Advanced RPA Professional (V11) exam
Advance-RPA-Pro - Advanced RPA Professional Automation Anywhere Certified Advanced RPA Professional (V11) Test Prep
Advance-RPA-Pro - Advanced RPA Professional Automation Anywhere Certified Advanced RPA Professional (V11) exam Questions
Advance-RPA-Pro - Advanced RPA Professional Automation Anywhere Certified Advanced RPA Professional (V11) Questions and Answers
Advance-RPA-Pro - Advanced RPA Professional Automation Anywhere Certified Advanced RPA Professional (V11) real Questions
Advance-RPA-Pro - Advanced RPA Professional Automation Anywhere Certified Advanced RPA Professional (V11) Question Bank
Advance-RPA-Pro - Advanced RPA Professional Automation Anywhere Certified Advanced RPA Professional (V11) exam Questions
Advance-RPA-Pro - Advanced RPA Professional Automation Anywhere Certified Advanced RPA Professional (V11) tricks
Advance-RPA-Pro - Advanced RPA Professional Automation Anywhere Certified Advanced RPA Professional (V11) Free PDF
Advance-RPA-Pro - Advanced RPA Professional Automation Anywhere Certified Advanced RPA Professional (V11) test questions
Advance-RPA-Pro - Advanced RPA Professional Automation Anywhere Certified Advanced RPA Professional (V11) test prep
Advance-RPA-Pro - Advanced RPA Professional Automation Anywhere Certified Advanced RPA Professional (V11) PDF questions
Advance-RPA-Pro - Advanced RPA Professional Automation Anywhere Certified Advanced RPA Professional (V11) test
Advance-RPA-Pro - Advanced RPA Professional Automation Anywhere Certified Advanced RPA Professional (V11) study help
Advance-RPA-Pro - Advanced RPA Professional Automation Anywhere Certified Advanced RPA Professional (V11) exam Cram
Advance-RPA-Pro - Advanced RPA Professional Automation Anywhere Certified Advanced RPA Professional (V11) exam
Advance-RPA-Pro - Advanced RPA Professional Automation Anywhere Certified Advanced RPA Professional (V11) cheat sheet
Advance-RPA-Pro - Advanced RPA Professional Automation Anywhere Certified Advanced RPA Professional (V11) course outline
Advance-RPA-Pro - Advanced RPA Professional Automation Anywhere Certified Advanced RPA Professional (V11) boot camp
Advance-RPA-Pro - Advanced RPA Professional Automation Anywhere Certified Advanced RPA Professional (V11) exam syllabus
Advance-RPA-Pro - Advanced RPA Professional Automation Anywhere Certified Advanced RPA Professional (V11) exam Questions
Advance-RPA-Pro - Advanced RPA Professional Automation Anywhere Certified Advanced RPA Professional (V11) test
Advance-RPA-Pro - Advanced RPA Professional Automation Anywhere Certified Advanced RPA Professional (V11) information hunger
Advance-RPA-Pro - Advanced RPA Professional Automation Anywhere Certified Advanced RPA Professional (V11) exam format
Advance-RPA-Pro - Advanced RPA Professional Automation Anywhere Certified Advanced RPA Professional (V11) Question Bank
Advance-RPA-Pro - Advanced RPA Professional Automation Anywhere Certified Advanced RPA Professional (V11) teaching
Advance-RPA-Pro - Advanced RPA Professional Automation Anywhere Certified Advanced RPA Professional (V11) information search
Advance-RPA-Pro - Advanced RPA Professional Automation Anywhere Certified Advanced RPA Professional (V11) book
Advance-RPA-Pro - Advanced RPA Professional Automation Anywhere Certified Advanced RPA Professional (V11) education
Advance-RPA-Pro - Advanced RPA Professional Automation Anywhere Certified Advanced RPA Professional (V11) exam questions
Advance-RPA-Pro - Advanced RPA Professional Automation Anywhere Certified Advanced RPA Professional (V11) guide
Advance-RPA-Pro - Advanced RPA Professional Automation Anywhere Certified Advanced RPA Professional (V11) learn
Other Automation-Anywhere Practice Tests
Advance-RPA-Pro exam preparation |
Best practice tests You Ever Experienced
NCCT-ICS download | SCP-500 practice questions | F50-536 questions download | NNCC-CCHT-A PDF Download | ADM-261 test example | Watchguard-Essentials assessment test sample | MEDSURG-BC test exam | ASIS-APP Latest Questions | Servicenow-CAD free pdf | 2V0-41.20 mock questions | MLS-C01 exam results | BCCPA trial test questions | 4A0-C01 mock questions | 156-560 study material | CBM mock test | ICDL-ACCESS practice questions | SAFe-Practitioner exam prep | 920-805 mock exam | CWISA-101 study guide | DES-1241 exam cram |
References :
Similar Websites :
Pass4sure Certification exam Practice Tests
Pass4Sure Certification Question Bank
Advance-RPA-Pro 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 Advance-RPA-Pro 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