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 BCB-Analyst?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der BCB-Analyst: Board Certified Behavior Analyst (BCBA) Prüfung.

2022 Updated Actual BCB-Analyst questions as experienced in Test Center

Laden Sie BCB-Analyst Übungstest und aktuelle Fragen herunter - easy finanz | easyfinanz

Board Certified Behavior Analyst (BCBA) actual questions with Latest BCB-Analyst practice exams | https://www.easyfinanz.cc/

Certification-Board BCB-Analyst : Board Certified Behavior Analyst (BCBA) exam Dumps

Exam Dumps Organized by Martin Hoax



Latest 2022 Updated Syllabus
BCB-Analyst study guide | Latest Braindumps with genuine Questions

Real Questions from Latest syllabus of BCB-Analyst - Updated Daily - 100% Pass Guarantee



BCB-Analyst demo Questions : Download 100% Free BCB-Analyst study guide (PDF and VCE)

Exam Number : BCB-Analyst
Exam Name : Board Certified Behavior Analyst (BCBA)
Vendor Name : Certification-Board
Update : Click Here to Check Latest Update
Question Bank : Check Questions

fully free Pass4sure BCB-Analyst PDF Braindumps and fully valid analyze questions.
Our Certification-Board BCB-Analyst PDF Braindumps with Free PDF are specific of the BCB-Analyst genuine test. A total pool of BCB-Analyst Study Guide is actually kept plan in an details base regarding inquiries. They all add and update new Questions and Advice on the customary reasons for opportunities to retain a whole new substance.

They have an enormous amount of people that wind through BCB-Analyst test with the Exam Cram. It is particularly uncommon which you read in addition to practice the BCB-Analyst Exam Braindumps questions to get helpless plastic stamps or autumn flat with genuine lab tests. Competitors truly feel an incredible pick up in their information and wind through BCB-Analyst test using next to zero issue. It is very simple to wind through BCB-Analyst test with the dumps still they need that you further build your insight which means you perceive every one of the questions inside test. In that manner, men and women can work in a very truly current climate being a specialist. Do not just provide attention to breezing via BCB-Analyst test out with their places, but definitely further acquire information on BCB-Analyst destinations. This is why, individuals confidence their BCB-Analyst Exam Cram.

Giving just simply Free exam PDF queries sufficiently is simply not. However , checking out superfluous stuff of BCB-Analyst does not support. It simply allows you to more befuddle about BCB-Analyst points, before you get reliable, legitimate, in addition to modern BCB-Analyst PDF Download queries and VCE practice test out. killexams.com is top-line provider connected with top-notch BCB-Analyst Exam Braindumps, legitimate Inquiries and acknowledgement, completely tested out Free exam PDF in addition to VCE train Tests. Check out killexams.com to down load your 100 % free redundant of BCB-Analyst Exam Braindumps test out PDF. An individual presumably are usually fulfilled. Sign up your complete duplicate connected with BCB-Analyst Exam dumps. You are going to accept your current login skills, which you find useful on-site for you to log in in your obtain place. You will see BCB-Analyst Exam Braindumps papers, prepared to down load and VCE practice test out records. Bring in BCB-Analyst VCE practice test out programming in addition to burden typically the BCB-Analyst train test. You are going to feel just how your information is improved. This would make you thus certain that you may choose to remain in genuine BCB-Analyst test out inside 1 day.

obtain places from killexams.com and you may duplicate Free exam PDF PDF any kind of time gadget for you to peruse and do not forget the BCB-Analyst questions in addition to replies while you are on foliage or rising on the underwater side. This would save plenty of your time. Training BCB-Analyst Exam Cram with VCE practice test out over and yet again until you find 100 percent represents. At the position when you truly feel sure, direct go to test out place intended for real BCB-Analyst test.

Popular features of Killexams BCB-Analyst Exam Braindumps
-> Immediate BCB-Analyst Exam Braindumps obtain Gain access to
-> Comprehensive BCB-Analyst Questions in addition to Answers
-> 98% Success Price of BCB-Analyst exam
-> Certain genuine BCB-Analyst exam queries
-> BCB-Analyst Inquiries Updated in Regular foundation.
-> Valid in addition to 2022 Current BCB-Analyst Test Dumps
-> totally Portable BCB-Analyst exam Data files
-> Full showcased BCB-Analyst VCE exam Sim
-> No Control on BCB-Analyst exam Get Access
-> Fantastic Discount Coupons
-> totally Secured Get Account
-> totally Confidentiality Made certain
-> 100% Achievement ensure
-> totally Free Exam Cram demo Inquiries
-> No Concealed Cost
-> Simply no Monthly Rates
-> No Automated Account Reconstruction
-> BCB-Analyst Test Update Excitation by E mail
-> Free Tech support team

Test Detail in: https://killexams.com/pass4sure/exam-detail/BCB-Analyst
Charges Details in: https://killexams.com/exam-price-comparison/BCB-Analyst
Observe Complete Collection: https://killexams.com/vendors-exam-list

Discount Discount on Total BCB-Analyst Exam Braindumps Exam dumps;
WC2020: 60 per cent Flat Discounted on each test
PROF17: 10% Further Discounted on Valuation Greater than $69
DEAL17: 15% Further Discounted on Valuation Greater than 99 dollars







BCB-Analyst exam Format | BCB-Analyst Course Contents | BCB-Analyst Course Outline | BCB-Analyst exam Syllabus | BCB-Analyst exam Objectives


The Board Certified Behavior Analyst® (BCBA®) is a graduate-level certification in behavior analysis. Professionals certified at the BCBA level are independent practitioners who provide behavior analysis services.

BCBAs may supervise the work of Board Certified Assistant Behavior Analysts® (BCaBAs®), Registered Behavior Technicians™ (RBTs®), and other professionals who implement behavior-analytic interventions.

Initial BCBA certification indicates that an individual has met entry-level standards for practice as a behavior analyst. The purpose of the BACBs continuing education (CE) requirement is to ensure that BCBA certificants engage in activities that will expand their behavior-analytic skills beyond the requirements for initial certification, and help them stay up-to-date on developments in the profession.



Killexams Review | Reputation | Testimonials | Feedback


How to get latest BCB-Analyst braindumps?
It is about the new BCB-Analyst exam. I purchased this BCB-Analyst braindump before I heard of the update so I thought I had spent money on something I would not be able to use. I contacted killexams.com support staff to double the exam, and they told me the BCB-Analyst exam had been updated recently. As I tested it against the latest BCB-Analyst exam objectives it looks updated. A lot of questions have been added compared to older braindumps and all areas covered. I am impressed with their efficiency and customer service. Looking forward to taking my BCB-Analyst exam in 2 weeks.


Get proper information and study with the BCB-Analyst Dumps and Dumps!
I wanted to have certification in exam BCB-Analyst and I get it with killexams. The perfect pattern of new modules facilitates me to attempt all the 38 questions inside the given time-body. I score more than 87%. I have to mention that I may want to ever have carried out it on my own what I used which will accumulate with killexams.com questions and answers. killexams.com Dumps offer the ultra-present day module of questions and cover the associated subjects. Thanks to killexams.com questions and answers.


It is great idea to read BCB-Analyst exam with real exam questions.
All in all, killexams.com was a good way for me to prepare for this exam. I passed but was a little disappointed that now all questions on the exam were 100% the same as what killexams.com gave me. Over 70% were the same and the rest was very similar - I am not sure if this is a good thing. I managed to pass, so I think this counts as a good result. But keep in brain that even with killexams.com you still need to learn and use your brain.


No questions turned into asked that turned into out of these Dumps bank.
Outstanding insurance of BCB-Analyst exam ideas, so I learned precisely what I wished for the duration of the BCB-Analyst exam. I particularly endorse this training from killexams.com to all people planning to take the BCB-Analyst exam.


Nice to pay interest that brain dumps updated BCB-Analyst exam are to be had.
You the killexams.com are rock. Previously, I finished BCB-Analyst exam with your questions with 100% marks. You gave Dumps that are to the point and accurate! great product you delivered. I am very interested in your exam product for my next test.


Certification-Board Certified PDF Download



While it is very hard task to choose reliable certification questions / answers resources with respect to review, reputation and validity because people get ripoff due to choosing wrong service. Killexams.com make it sure to serve its clients best to its resources with respect to study guide update and validity. Most of other's ripoff report complaint clients come to us for the brain dumps and pass their exams happily and easily. They never compromise on their review, reputation and quality because killexams review, killexams reputation and killexams client confidence is important to us. Specially they take care of killexams.com review, killexams.com reputation, killexams.com ripoff report complaint, killexams.com trust, killexams.com validity, killexams.com report and killexams.com scam. The same care that they take about killexams review, killexams reputation, killexams ripoff report complaint, killexams trust, killexams validity, killexams report and killexams scam. If you see any false report posted by their competitors with the name killexams ripoff report complaint internet, killexams ripoff report, killexams 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 thousands of satisfied customers that pass their exams using killexams.com brain dumps, killexams PDF questions, killexams practice questions, killexams exam simulator. Visit Their demo questions and demo brain dumps, their exam simulator and you will definitely know that killexams.com is the best brain dumps site.

Is Killexams.com Legit?
Certainly, Killexams is totally legit plus fully dependable. There are several options that makes killexams.com traditional and straight. It provides informed and totally valid study guide comprising real exams questions and answers. Price is small as compared to the majority of the services on internet. The Dumps are up-to-date on ordinary basis using most exact brain dumps. Killexams account set up and supplement delivery is very fast. Submit downloading is definitely unlimited as well as fast. Assist is avaiable via Livechat and E-mail. These are the features that makes killexams.com a strong website that come with study guide with real exams questions.



Which is the best braindumps site of 2022?
There are several Dumps provider in the market claiming that they provide genuine 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 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 exam Dumps with the same frequency as they are updated in Real Test. study guide 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 exam Fast with improvement in your knowledge about latest course contents and syllabus of new syllabus, They recommend to obtain PDF exam 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 Dumps will be provided in your obtain Account. You can obtain Premium study guide files as many times as you want, There is no limit.

Killexams.com has provided VCE practice test 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 genuine Test. Go register for Test in Exam Center and Enjoy your Success.




350-601 braindumps | DES-5121 pdf obtain | 300-615 brain dumps | ATA study questions | HPE0-S47 braindumps | AD0-E301 free pdf | ASVAB-Automotive-and-Shop practice test | DMF-1220 Free PDF | CAPM Free exam PDF | 1Z0-808 PDF obtain | 200-201 brain dumps | HP0-A113 practice test | ACE-PT exam Questions | HPE6-A27 study guide | CWM_LEVEL_II exam papers | CBDH PDF Braindumps | GMAT-Quntitative Cheatsheet | CIMAPRA17-BA2-1-ENG exam Braindumps | SANS-SEC504 practice exam | 300-820 mock exam |


BCB-Analyst - Board Certified Behavior Analyst (BCBA) certification
BCB-Analyst - Board Certified Behavior Analyst (BCBA) course outline
BCB-Analyst - Board Certified Behavior Analyst (BCBA) tricks
BCB-Analyst - Board Certified Behavior Analyst (BCBA) PDF Download
BCB-Analyst - Board Certified Behavior Analyst (BCBA) cheat sheet
BCB-Analyst - Board Certified Behavior Analyst (BCBA) Free exam PDF
BCB-Analyst - Board Certified Behavior Analyst (BCBA) Practice Questions
BCB-Analyst - Board Certified Behavior Analyst (BCBA) study help
BCB-Analyst - Board Certified Behavior Analyst (BCBA) test
BCB-Analyst - Board Certified Behavior Analyst (BCBA) PDF Questions
BCB-Analyst - Board Certified Behavior Analyst (BCBA) exam contents
BCB-Analyst - Board Certified Behavior Analyst (BCBA) exam Braindumps
BCB-Analyst - Board Certified Behavior Analyst (BCBA) exam contents
BCB-Analyst - Board Certified Behavior Analyst (BCBA) test
BCB-Analyst - Board Certified Behavior Analyst (BCBA) exam dumps
BCB-Analyst - Board Certified Behavior Analyst (BCBA) braindumps
BCB-Analyst - Board Certified Behavior Analyst (BCBA) teaching
BCB-Analyst - Board Certified Behavior Analyst (BCBA) PDF Download
BCB-Analyst - Board Certified Behavior Analyst (BCBA) test
BCB-Analyst - Board Certified Behavior Analyst (BCBA) Cheatsheet
BCB-Analyst - Board Certified Behavior Analyst (BCBA) answers
BCB-Analyst - Board Certified Behavior Analyst (BCBA) techniques
BCB-Analyst - Board Certified Behavior Analyst (BCBA) study tips
BCB-Analyst - Board Certified Behavior Analyst (BCBA) learning
BCB-Analyst - Board Certified Behavior Analyst (BCBA) study help
BCB-Analyst - Board Certified Behavior Analyst (BCBA) study help
BCB-Analyst - Board Certified Behavior Analyst (BCBA) boot camp
BCB-Analyst - Board Certified Behavior Analyst (BCBA) exam Questions
BCB-Analyst - Board Certified Behavior Analyst (BCBA) braindumps
BCB-Analyst - Board Certified Behavior Analyst (BCBA) Practice Questions
BCB-Analyst - Board Certified Behavior Analyst (BCBA) study tips
BCB-Analyst - Board Certified Behavior Analyst (BCBA) syllabus
BCB-Analyst - Board Certified Behavior Analyst (BCBA) exam Questions
BCB-Analyst - Board Certified Behavior Analyst (BCBA) PDF Download
BCB-Analyst - Board Certified Behavior Analyst (BCBA) outline
BCB-Analyst - Board Certified Behavior Analyst (BCBA) exam contents
BCB-Analyst - Board Certified Behavior Analyst (BCBA) information search
BCB-Analyst - Board Certified Behavior Analyst (BCBA) test
BCB-Analyst - Board Certified Behavior Analyst (BCBA) book
BCB-Analyst - Board Certified Behavior Analyst (BCBA) course outline
BCB-Analyst - Board Certified Behavior Analyst (BCBA) techniques
BCB-Analyst - Board Certified Behavior Analyst (BCBA) course outline
BCB-Analyst - Board Certified Behavior Analyst (BCBA) Question Bank
BCB-Analyst - Board Certified Behavior Analyst (BCBA) education
BCB-Analyst - Board Certified Behavior Analyst (BCBA) exam Questions
BCB-Analyst - Board Certified Behavior Analyst (BCBA) genuine Questions
BCB-Analyst - Board Certified Behavior Analyst (BCBA) education
BCB-Analyst - Board Certified Behavior Analyst (BCBA) exam Braindumps
BCB-Analyst - Board Certified Behavior Analyst (BCBA) education
BCB-Analyst - Board Certified Behavior Analyst (BCBA) exam Cram
BCB-Analyst - Board Certified Behavior Analyst (BCBA) Practice Questions
BCB-Analyst - Board Certified Behavior Analyst (BCBA) Test Prep
BCB-Analyst - Board Certified Behavior Analyst (BCBA) Test Prep



Best Certification study guide You Ever Experienced


ABFM Free PDF | TCRN test prep | STAAR practice exam | ICTS boot camp | NCE practice test | CDL cheat sheet | ABPN-VNE model question | DMV genuine Questions | NCC PDF Braindumps | NLN-PAX exam Questions | MTEL Dumps | SBAC Latest Questions | FSOT exam Questions | NRP free online test | BCB-Analyst cheat sheet pdf | NAB-NHA practice test | ISEE Dumps | RACP mock exam | ABCTE actual questions | CSLE cbt |





References :


https://killexams-posting.dropmark.com/817438/23654691
http://ge.tt/86GJ4E53
https://killexams-posting.dropmark.com/817438/23725206
https://www.instapaper.com/read/1320751083
http://killexams-braindumps.blogspot.com/2020/07/0day-updated-free-bcb-analyst-exam.html
https://articles.abilogic.com/440958/bcb-analyst-board-certified-behavior.html
https://www.4shared.com/video/J-IOXxfJiq/BCB-Analyst.html
https://www.coursehero.com/file/65912828/BCB-Analystpdf/
https://sites.google.com/view/killexams-bcb-analyst-cheat-sh
https://www.clipsharelive.com/video/4494/bcb-analyst-board-certified-behavior-analyst-bcba-real-exam-questions-by-killexams-com
https://youtu.be/-P0FituKuco
https://killexams.com/datafiles/rss/BCB-Analyst-rss.xml
https://ello.co/killexamz/post/fxq_yluesbq91kgfnlb2sq
http://killexams3.isblog.net/bcb-analyst-board-certified-behavior-analyst-bcba-questions-and-answers-by-killexams-com-14610925
https://justpaste.it/BCB-Analyst
https://files.fm/f/grtfjh9zk
https://spaces.hightail.com/space/v47qz1ixkg/files/fi-eeaea3b5-4904-423f-883f-38ed947cf500/fv-6e8796de-1bdb-4270-a25d-eaa1162a1c3d/Board-Certified-Behavior-Analyst-BCBA-(BCB-Analyst).pdf#pageThumbnail-1
http://killexams.decksrusct.com/blog/certification-exam-dumps/bcb-analyst-board-certified-behavior-analyst-bcba-questions-and-answers-by-killexams-com/



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






Direct Download

BCB-Analyst 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.

BCB-Analyst Reviews

100% Valid and Up to Date BCB-Analyst 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