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 C1000-116?
Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der C1000-116: IBM Certified Developer - Business Automation Workflow V20.0.0.2 using Workflow Center (Code: C0010500) Prüfung.
2025 Updated Actual C1000-116 questions as experienced in Test Center
Aktuelle C1000-116 Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz
![]() IBM C1000-116 : IBM Certified Developer - Business Automation Workflow V20.0.0.2 using Workflow Center (Code: C0010500) Practice TestsPractice Tests Organized by Lee |
Latest 2025 Updated IBM IBM Certified Developer - Business Automation Workflow V20.0.0.2 using Workflow Center (Code: C0010500) Syllabus
C1000-116 question bank with Premium PDF and Test Engine
Practice Tests and Free VCE Software - Questions Updated on Daily Basis
Big Discount / Cheapest price & 100% Pass Guarantee
C1000-116 question bank : Download 100% Free C1000-116 practice exams (PDF and VCE)
Exam Number : C1000-116
Exam Name : IBM Certified Developer - Business Automation Workflow V20.0.0.2 using Workflow Center (Code: C0010500)
Vendor Name : IBM
Update : Click Here to Check Latest Update
Question Bank : Check Questions
Memorize and practice these C1000-116 Practice Questions before you go to attempt real exam.
We at killexams.com offer 100% free Study Guides for those who wish to attempt them before making a purchase. They are confident that you will appreciate the quality of their genuine test questions for the C1000-116 exam. Simply register for the complete IBM Certified Developer - Business Automation Workflow V20.0.0.2 using Workflow Center (Code: C0010500) questions bank and obtain your copy. Use their VCE test simulator for practice, and you will feel confident before taking the real C1000-116 test.
There are numerous providers of Free PDF on the web, but a huge portion of them offer outdated C1000-116 TestPrep. It's important to find a reliable and trustworthy provider of C1000-116 Free PDF online. They suggest checking out killexams.com. However, it's important to remember that conducting thorough research can prevent wasting money. They recommend going to killexams.com and downloading 100% free C1000-116 Exam Questions to try out the demo questions. If you're satisfied, register and get three months of access to obtain the latest and valid C1000-116 TestPrep that contains real test questions and answers. Additionally, you should obtain the C1000-116 VCE test simulator for your training.
You can copy the C1000-116 Free PDF PDF to any device, such as an iPad, iPhone, PC, smart TV, or Android, to read and memorize the real C1000-116 questions while you're on vacation or traveling. This saves you a significant amount of time and provides more opportunities to concentrate on C1000-116 questions. Practice with the C1000-116 TestPrep using the VCE test simulator repeatedly until you achieve a 100% score. Once you feel confident, head straight to the Test Center for the real C1000-116 exam.

C1000-116 test Format | C1000-116 Course Contents | C1000-116 Course Outline | C1000-116 test Syllabus | C1000-116 test Objectives
Killexams Review | Reputation | Testimonials | Feedback
No source is more effective than this C1000-116 source.
Killexams.com's C1000-116 test package is excellent, and it helped me pass the exam. The questions were accurate, and the study materials and test courses were helpful. Their flexible layout allowed me to practice using different formats like the test simulator, PDFs, and printouts. I especially loved using the test simulator as it fully simulates the real exam, making it a vital tool for the C1000-116 exam. I will definitely use killexams.com for my future certification exams.
I'm happy to know that the latest C1000-116 practice exams are available right here.
When I decided to take the C1000-116 exam, killexams.com provided me with reliable and valid practice training, which helped me perform well. I was allowed to test myself before the exam, which made me more confident about my preparation. Thanks to killexams.com, I scored well on the exam.
Try out these C1000-116 practice tests; they are excellent!
I struggled during my preparation for the C1000-116 test and sought help from friends, but the material they provided was confusing. Later, I found killexams.com and their Braindumps material. The treasure trove of information helped me understand everything from top to bottom, and I answered all the questions with perfect options. Thank you for bringing endless happiness to my profession.
How many days of training are required to pass the C1000-116 exam?
I needed to pass my C1000-116 test to work for a top corporation, and it was not an easy task. Luckily, I received great help from killexams.com, which provided me with C1000-116 questions, answers, and an test simulator. Thanks to their guidance, I am now proud to announce that I am C1000-116 certified.
Make a smart move; read these C1000-116 questions and answers.
I discovered killexams.com after a long time, and the cooperative team provided me with superb material for guidance in my C1000-116 exam. Everyone here is knowledgeable and helpful, and the materials are of great quality.
IBM V20.0.0.2 learning
C1000-116 Exam
User: Sofia*****![]() ![]() ![]() ![]() ![]() Thanks to the Killexams.com set, I passed the C1000-116 test after a few days of preparation. The correct Braindumps in the bundle made things a lot easier, and I got a score higher than I had hoped for. I am relieved to have left the test behind but happy to have found Killexams.com. |
User: Leonardo*****![]() ![]() ![]() ![]() ![]() I recently passed the C1000-116 test with the help of Killexams.com. This bundle is an incredible solution if you need brief yet reliable training for the C1000-116 exam. As far as test simulations go, Killexams.com is the winner. Their test simulator surely simulates the exam, including the particular query sorts. It made things less complicated, and in my case, I consider it contributed to me getting 100% marks! I could not believe my eyes! I knew I did well, but this was a surprise. |
User: Nadia*****![]() ![]() ![]() ![]() ![]() There are not many c1000-116 test materials available, so I bought the c1000-116 Braindumps in advance. Honestly, it won me over with the way the information was prepared. The majority of the questions I saw on the test were exactly what was provided by killexams.com. I am relieved to have passed the c1000-116 exam. |
User: Lucille*****![]() ![]() ![]() ![]() ![]() The C1000-116 mock test papers from Killexams.com helped me in preparing for the test in an organized and structured manner. Thanks to them, I scored 90%. The explanation given for every answer in the mock test was so appropriate that it had the real revision impact on the study practice test. |
User: Samuel*****![]() ![]() ![]() ![]() ![]() In conclusion, I urge all students to take advantage of the incredible educational offerings provided by killexams.com. Their resources are dependable and useful, and I hope that more people discover their benefits. |
C1000-116 Exam
Question: I want to send money by wire transfer, Can I do that? Answer: Killexams provide several payment methods including Wire Transfer, all type of credit cards, debit cards, bank transfer, pay orders, and Paypal. You can see a complete list of payment methods at https://killexams.com/payment-methods |
Question: How can I contact killexams customer support? Answer: You can contact customer support via live chat or email to support. Their customer support team handles all queries regarding an order, exams, downloads, and related queries. |
Question: Which website provides latest course contents? Answer: Killexams is the best certification test prep website that provides up-to-date and 100% valid test questions with practice tests. These VCE practice exams are very good for test practice to pass the test on the first attempt. Killexams team keeps on updating the practice test continuously. |
Question: Can you believe, all C1000-116 questions I read have been asked? Answer: Yes, all the questions belong to the real C1000-116 question bank, so they appear in the real test and you experience the test lot easier than without these C1000-116 questions. |
Question: How much income for C1000-116 certified? Answer: You can see complete C1000-116 test price-related information from the website. Usually, discount coupons do not stand for long, but there are several discount coupons available on the website. Killexams provide the cheapest hence up-to-date C1000-116 question bank that will greatly help you pass the exam. You can see the cost at https://killexams.com/exam-price-comparison/C1000-116 You can also use a discount coupon to further reduce the cost. Visit the website for the latest discount coupons. |
https://www.pass4surez.com/art/read.php?keyword=IBM+V20.0.0.2+learning&lang=us&links=remove
Unquestionably it is hard assignment to pick dependable certification questions/answers assets regarding review, reputation and validity since individuals get sham because of picking incorrectly benefit. Killexams.com ensure to serve its customers best to its assets concerning ACTUAL EXAM QUESTIONS update and validity. The vast majority of other's sham report dissension customers come to us for the brain dumps and pass their exams joyfully and effortlessly. They never trade off on their review, reputation and quality on the grounds that killexams review, killexams reputation and killexams customer certainty is imperative to us. Uniquely they deal with killexams.com review, killexams.com reputation, killexams.com sham report objection, killexams.com trust, killexams.com validity, killexams.com report and killexams.com scam. On the off chance that you see any false report posted by their rivals with the name killexams sham report grievance web, killexams.com sham report, killexams.com scam, killexams.com protest or something like this, simply remember there are constantly awful individuals harming reputation of good administrations because of their advantages. There are a huge number of fulfilled clients that pass their exams utilizing killexams.com brain dumps, killexams PDF questions, killexams hone questions, killexams test simulator. Visit Killexams.com, their specimen questions and test brain dumps, their test simulator and you will realize that killexams.com is the best brain dumps site.
Which is the best practice exams website?
Sure, Killexams is 100% legit as well as fully trustworthy. There are several features that makes killexams.com reliable and legit. It provides up-to-date and 100% valid test questions that contains real exams questions and answers. Price is suprisingly low as compared to almost all services on internet. The Braindumps are up to date on ordinary basis through most latest questions. Killexams account structure and device delivery is extremely fast. File downloading is usually unlimited and extremely fast. Service is avaiable via Livechat and Electronic mail. These are the characteristics that makes killexams.com a strong website that supply test prep with real exams questions.
Is killexams.com test material dependable?
There are several Braindumps provider in the market claiming that they provide real test Questions, Braindumps, Practice Tests, Study Guides, cheat sheet and many other names, but most of them are re-sellers that do not update their contents frequently. Killexams.com is best website of Year 2025 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 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 test Fast with improvement in your knowledge about latest course contents and Topics of new syllabus, They recommend to obtain PDF test Questions from killexams.com and get ready for real exam. When you feel that you should register for Premium Version, Just choose visit killexams.com and register, you will receive your Username/Password in your Email within 5 to 10 minutes. All the future updates and changes in Braindumps will be provided in your obtain Account. You can obtain Premium practice test files as many times as you want, There is no limit.
Killexams.com has provided VCE practice test Software to Practice your test by Taking Test Frequently. It asks the Real test Questions and Marks Your Progress. You can take test as many times as you want. There is no limit. It will make your test prep very fast and effective. When you start getting 100% Marks with complete Pool of Questions, you will be ready to take real Test. Go register for Test in Test Center and Enjoy your Success.
101-500 Test Prep | GLO_CWM_LEVEL_I certification demo | S90.04A Practice Questions | DEA-2TT4 writing test questions | SCA_SLES15 Latest Topics | 9L0-062 cbt | ASSET free questions | CWAP-404 PDF obtain | C1000-083 practice questions | BL0-100 study guide | CLSSYB test Cram | C1000-078 boot camp | HANCB-ACRN bootcamp | CBAF-001 test questions | Salesforce-AI-Associate test prep | SCP-NPM demo test | BMAT test questions | M3-123 free pdf | 1T6-520 practice test | S90.20A training material |
C1000-116 - IBM Certified Developer - Business Automation Workflow V20.0.0.2 using Workflow Center (Code: C0010500) Free PDF
C1000-116 - IBM Certified Developer - Business Automation Workflow V20.0.0.2 using Workflow Center (Code: C0010500) study tips
C1000-116 - IBM Certified Developer - Business Automation Workflow V20.0.0.2 using Workflow Center (Code: C0010500) information source
C1000-116 - IBM Certified Developer - Business Automation Workflow V20.0.0.2 using Workflow Center (Code: C0010500) Practice Test
C1000-116 - IBM Certified Developer - Business Automation Workflow V20.0.0.2 using Workflow Center (Code: C0010500) answers
C1000-116 - IBM Certified Developer - Business Automation Workflow V20.0.0.2 using Workflow Center (Code: C0010500) Real test Questions
C1000-116 - IBM Certified Developer - Business Automation Workflow V20.0.0.2 using Workflow Center (Code: C0010500) information hunger
C1000-116 - IBM Certified Developer - Business Automation Workflow V20.0.0.2 using Workflow Center (Code: C0010500) test Questions
C1000-116 - IBM Certified Developer - Business Automation Workflow V20.0.0.2 using Workflow Center (Code: C0010500) learning
C1000-116 - IBM Certified Developer - Business Automation Workflow V20.0.0.2 using Workflow Center (Code: C0010500) test contents
C1000-116 - IBM Certified Developer - Business Automation Workflow V20.0.0.2 using Workflow Center (Code: C0010500) Study Guide
C1000-116 - IBM Certified Developer - Business Automation Workflow V20.0.0.2 using Workflow Center (Code: C0010500) test cram
C1000-116 - IBM Certified Developer - Business Automation Workflow V20.0.0.2 using Workflow Center (Code: C0010500) tricks
C1000-116 - IBM Certified Developer - Business Automation Workflow V20.0.0.2 using Workflow Center (Code: C0010500) cheat sheet
C1000-116 - IBM Certified Developer - Business Automation Workflow V20.0.0.2 using Workflow Center (Code: C0010500) test Questions
C1000-116 - IBM Certified Developer - Business Automation Workflow V20.0.0.2 using Workflow Center (Code: C0010500) test Questions
C1000-116 - IBM Certified Developer - Business Automation Workflow V20.0.0.2 using Workflow Center (Code: C0010500) PDF download
C1000-116 - IBM Certified Developer - Business Automation Workflow V20.0.0.2 using Workflow Center (Code: C0010500) book
C1000-116 - IBM Certified Developer - Business Automation Workflow V20.0.0.2 using Workflow Center (Code: C0010500) Free test PDF
C1000-116 - IBM Certified Developer - Business Automation Workflow V20.0.0.2 using Workflow Center (Code: C0010500) study help
C1000-116 - IBM Certified Developer - Business Automation Workflow V20.0.0.2 using Workflow Center (Code: C0010500) tricks
C1000-116 - IBM Certified Developer - Business Automation Workflow V20.0.0.2 using Workflow Center (Code: C0010500) certification
C1000-116 - IBM Certified Developer - Business Automation Workflow V20.0.0.2 using Workflow Center (Code: C0010500) test questions
C1000-116 - IBM Certified Developer - Business Automation Workflow V20.0.0.2 using Workflow Center (Code: C0010500) test cram
C1000-116 - IBM Certified Developer - Business Automation Workflow V20.0.0.2 using Workflow Center (Code: C0010500) real Questions
C1000-116 - IBM Certified Developer - Business Automation Workflow V20.0.0.2 using Workflow Center (Code: C0010500) teaching
C1000-116 - IBM Certified Developer - Business Automation Workflow V20.0.0.2 using Workflow Center (Code: C0010500) test syllabus
C1000-116 - IBM Certified Developer - Business Automation Workflow V20.0.0.2 using Workflow Center (Code: C0010500) exam
C1000-116 - IBM Certified Developer - Business Automation Workflow V20.0.0.2 using Workflow Center (Code: C0010500) course outline
C1000-116 - IBM Certified Developer - Business Automation Workflow V20.0.0.2 using Workflow Center (Code: C0010500) information hunger
C1000-116 - IBM Certified Developer - Business Automation Workflow V20.0.0.2 using Workflow Center (Code: C0010500) questions
C1000-116 - IBM Certified Developer - Business Automation Workflow V20.0.0.2 using Workflow Center (Code: C0010500) learn
C1000-116 - IBM Certified Developer - Business Automation Workflow V20.0.0.2 using Workflow Center (Code: C0010500) PDF Download
C1000-116 - IBM Certified Developer - Business Automation Workflow V20.0.0.2 using Workflow Center (Code: C0010500) premium pdf
C1000-116 - IBM Certified Developer - Business Automation Workflow V20.0.0.2 using Workflow Center (Code: C0010500) PDF questions
C1000-116 - IBM Certified Developer - Business Automation Workflow V20.0.0.2 using Workflow Center (Code: C0010500) PDF Questions
C1000-116 - IBM Certified Developer - Business Automation Workflow V20.0.0.2 using Workflow Center (Code: C0010500) information search
C1000-116 - IBM Certified Developer - Business Automation Workflow V20.0.0.2 using Workflow Center (Code: C0010500) learning
C1000-116 - IBM Certified Developer - Business Automation Workflow V20.0.0.2 using Workflow Center (Code: C0010500) book
C1000-116 - IBM Certified Developer - Business Automation Workflow V20.0.0.2 using Workflow Center (Code: C0010500) PDF Questions
C1000-116 - IBM Certified Developer - Business Automation Workflow V20.0.0.2 using Workflow Center (Code: C0010500) cheat sheet
C1000-116 - IBM Certified Developer - Business Automation Workflow V20.0.0.2 using Workflow Center (Code: C0010500) information source
C1000-116 - IBM Certified Developer - Business Automation Workflow V20.0.0.2 using Workflow Center (Code: C0010500) test success
C1000-116 - IBM Certified Developer - Business Automation Workflow V20.0.0.2 using Workflow Center (Code: C0010500) test syllabus
Other IBM Practice Tests
S2000-021 mock questions | S1000-014 practice questions | C1000-123 boot camp | C1000-141 test prep | C1000-056 download | C1000-147 practical test | S2000-019 test Cram | C1000-163 test Questions | C1000-122 free practice tests | C1000-155 test cram | C1000-162 mock exam | C1000-101 test prep questions | C1000-176 test prep | C1000-161 practice exam | C1000-144 free pdf | C1000-170 Latest Questions | C1000-130 practice exam | S2000-023 test questions | C1000-142 practice test | C1000-058 test Questions |
Best practice exams You Ever Experienced
CGRN writing test questions | CLTD prep questions | 4A0-114 cram | CNRN demo questions | 8010 pdf study guide | AONL-CNML test questions | 71301X PDF Download | 1Y0-203 free questions | INBDE test prep | 1D0-735 Questions and Answers | CPT test questions | PDI real questions | SCNS-EN test cram | ISEB-PM1 model question | ECDL-ADVANCED study guide | VACC free prep | HPE0-S57 test tips | DES-3128 PDF Questions | 4A0-255 questions and answers | 5V0-22.23 cbt |
References :
Similar Websites :
Pass4sure Certification test Practice Tests
Pass4Sure Certification Question Bank
C1000-116 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 C1000-116 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