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 C1000-146?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der C1000-146: IBM Certified Deployment Professional - Spectrum Protect Plus V10.1.9 (C9003600) Prüfung.

2024 Updated Actual C1000-146 questions as experienced in Test Center

Aktuelle C1000-146 Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz

IBM C1000-146 : IBM Certified Deployment Professional - Spectrum Protect Plus V10.1.9 (C9003600) Practice Tests

Practice Tests Organized by Lee



Latest 2024 Updated IBM IBM Certified Deployment Professional - Spectrum Protect Plus V10.1.9 (C9003600) Syllabus
C1000-146 dumps questions with Premium PDF and Test Engine

Practice Tests and Free VCE Software - Questions Updated on Daily Basis
Big Discount / Cheapest price & 100% Pass Guarantee




C1000-146 dumps questions : Download 100% Free C1000-146 practice tests (PDF and VCE)

Exam Number : C1000-146
Exam Name : IBM Certified Deployment Professional - Spectrum Protect Plus V10.1.9 (C9003600)
Vendor Name : IBM
Update : Click Here to Check Latest Update
Question Bank : Check Questions

Wonderful C1000-146 test questions provided by killexams.com
Killexams.com offers a comprehensive pool of C1000-146 Questions Answers with Verified and tested Question Bank, along with references and explanations to make you comfortable with your IBM Certified Deployment Professional - Spectrum Protect Plus V10.1.9 (C9003600) knowledge and learn all the tips and tricks with their C1000-146 Study Guides.

In 2024, there were a number of upgrades and changes made to C1000-146, and they have kept track of all of them for their Exam Questions. Their updated C1000-146 braindumps for 2024 are guaranteed to help you succeed in the genuine exam. They recommend going through the entire dumps questions at least once before taking the real test, not just because they use their Study Guides, but because it will Boost your understanding. With their braindumps, people can work as professionals in a real-world setting. Their focus is not only on passing the C1000-146 test, but also on enhancing knowledge of C1000-146 Topics and objectives, which is the key to success.

At killexams.com, they offer the most exact IBM C1000-146 Study Guides that are valid and up-to-date, based on the latest IBM Certified Deployment Professional - Spectrum Protect Plus V10.1.9 (C9003600) syllabus, and are the most effective way to pass the IBM Certified Deployment Professional - Spectrum Protect Plus V10.1.9 (C9003600) exam. Their goal is to help you become an expert in your organization. They have a reputation for assisting people in passing the C1000-146 test on their first attempt. Their Exam Questions has consistently performed at the top over the past two years. They owe this success to their C1000-146 Study Guides customers who trust their Exam Questions and VCE for their real C1000-146 exam. killexams.com is the best place to find real C1000-146 exam questions. They keep their C1000-146 Study Guides valid and up-to-date at all times. These IBM Certified Deployment Professional - Spectrum Protect Plus V10.1.9 (C9003600) ACTUAL EXAM QUESTIONS will ensure that you pass the test with excellent grades.







C1000-146 exam Format | C1000-146 Course Contents | C1000-146 Course Outline | C1000-146 exam Syllabus | C1000-146 exam Objectives




Killexams Review | Reputation | Testimonials | Feedback


Wonderful to know that real exam questions for the C1000-146 exam are provided here.
I found killexams.com's questions to be very useful in my exam preparation. With their help, I was able to pass easily, and I would recommend them to anyone looking for focused prep materials.


Do you need genuine test questions from the C1000-146 exam to pass?
I passed the C1000-146 exam on the first try, thanks to killexams.com's practice tests team. I used my work ebook understanding within the question and answer format to answer the exam papers with an exam simulator and got a good grasp of the exam paper. I would like to thank killexams.com for their excellent study material.


Is there a new syllabus for the C1000-146 exam?
One of the best features of killexams.com's practice questions is the explanations provided with the answers. These explanations helped me understand the subject conceptually, and I was able to pass the C1000-146 exam with a score of 90%. I am grateful to the team for making it easy for me to succeed.


I need real exam questions for the updated C1000-146 exam.
Thanks to killexams.com, I passed my C1000-146 exam on my first attempt. As it was my first time using this website for exam preparation, I didn't know what to expect. However, I was pleasantly surprised as the exam simulator and practice tests were great and the questions were valid. The questions were real exam questions, and I encountered many of them on my genuine exam. I found the site to be very reliable and I would highly recommend it to my colleagues.


It is truly a great experience to have C1000-146 genuine test questions.
Despite my background and experience in IT, I found the C1000-146 exam to be more difficult than expected. Killexams.com saved me time and money, and without their questions and answers, I would have failed the exam. I got confused on a few questions and had to guess, but that was my fault for not memorizing the material better. I am glad that I passed the C1000-146 exam and grateful for killexams.com's help.


IBM IBM certification

C1000-146 Exam

User: Martín*****

I wanted to have certification in the C1000-146 test, and I got it with Killexams. Their ideal trial of new modules enabled me to attempt all the 38 questions in the given time frame. I scored more than 87%, and I have to say that I could never have accomplished it by myself what I was able to achieve with killexams.com Questions and Answers. killexams.com Questions Answers provide the updated module of questions and cover the related topics.
User: Laura*****

I would like to express my sincere gratitude to killexams.com for their mock exams, which helped me pass the C1000-146 exam. It was incredibly beneficial, and I highly recommend it to anyone who is going to take the test.
User: Lara*****

I recently passed my C1000-146 exam with a score of 100%! To be honest, I never expected to do so well, but Killexams.com turned out to be a gem in exam preparation. I had a good feeling about it, as it seemed to cover all the necessary Topics and provided many practice questions. I was pleasantly surprised to find many similar questions on the genuine exam. I highly recommend using Killexams for exam preparation.
User: Luna*****

The material provided by Killexams.com is remarkable, with valid questions and correct answers. Their expert exam simulator contains essential facts that helped me pass the exam. I appreciate that they did not try to promote unnecessary products. I received exactly what I needed and passed the exam with a nearly perfect score. Thanks to this experience, Killexams.com has earned my trust for years to come.
User: Kiska*****

Thanks to the Killexams.com Questions Answers and exam Simulator, I passed the tough c1000-146 exam. The framework questions were what I was most panic about, but I honed my skills on the Killexams.com exam simulator for hours, which helped me pass the exam with ease.

C1000-146 Exam

Question: Does Killexams provide full version of exam?
Answer: Yes, Killexams provide a complete dumps questions for your exam. You should register to get the complete dumps questions exam test prep. These exam questions are taken from genuine exam sources, that's why these exam questions are sufficient to read and pass the exam. Although you can use other sources also for improvement of knowledge like textbooks and other aid material these questions are sufficient to pass the exam.
Question: Will I be able to get updated C1000-146 test prep?
Answer: Yes, once registered at killexams.com you will be able to get up-to-date C1000-146 practice questions that will help you pass the exam with good marks. When you get and practice the exam questions, you will be confident and feel improvement in your knowledge.
Question: Can I get maximum discount on buying C1000-146 cheatsheet?
Answer: Killexams provide the cheapest hence up-to-date C1000-146 dumps questions that will greatly help you pass the exam. You can see the cost at https://killexams.com/exam-price-comparison/C1000-146 You can also use a discount coupon to further reduce the cost. Visit the website for the latest discount coupons.
Question: My killexams account is not working, what should I do?
Answer: First of all, you should check if your account is expired or not. If you see that your account validity is not over, you should re-set your password by clicking on Forgot Password on the login screen. If you see that it still does not work, contact live chat and provide your username. You can also send an email to support from your registered email address and provide your username with the issue you face and their team will solve the issue asap.
Question: I do not see C1000-146 exam simulator in my get section, why?
Answer: Sometimes, you forget to include exam Simulator in your order. If you are sure that you included the exam simulator in your order, write an email to support or contact via live chat and provide your order number. There is usually a difference of $10 additional to the PDF for the exam simulator.
IBM+IBM+certification
https://www.pass4surez.com/art/read.php?keyword=IBM+IBM+certification&lang=us&links=remove

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 questions 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 exam VCE simulator. Visit their example questions and test brain dumps, their exam simulator and you will realize that killexams.com is the best test questions site.

Which is the best practice tests website?
Yes, Killexams is hundred percent legit and also fully well-performing. There are several includes that makes killexams.com real and respectable. It provides current and hundred percent valid exam questions comprising real exams questions and answers. Price is very low as compared to almost all the services online. The Questions Answers are up to date on common basis utilizing most exact questions. Killexams account structure and supplement delivery is extremely fast. Report downloading is usually unlimited and incredibly fast. Help support is avaiable via Livechat and Contact. These are the characteristics that makes killexams.com a sturdy website offering exam prep with real exams questions.



Is killexams.com test material dependable?
There are several Questions Answers 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 2024 that understands the issue candidates face when they spend their time studying obsolete contents taken from free pdf get sites or reseller sites. Thats why killexams.com update exam Questions Answers 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 questions 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 Topics of new syllabus, They recommend to get 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 Questions Answers will be provided in your get Account. You can get Premium practice questions files as many times as you want, There is no limit.

Killexams.com has provided VCE practice questions 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 Test Center and Enjoy your Success.




C1000-173 question test | 250-406 cram book | 305-300 free study guide | CMA dumps questions | AACN-CSC prep questions | CLSSGB exam prep | PAS-C01 study guide | DP-500 mock exam | 2V0-81.20 exam cram | RNC-OB dump questions | CPSA-F free pdf | Magento-2-Certified-Associate-Developer Real exam Questions | MA0-100 PDF get | SAFe-Practitioner exam Questions | VCS-324 practice questions | 101-01 free questions | NSE7_LED-7.0 exam prep | PTCB Latest Questions | 920-556 VCE | PMP cbt |


C1000-146 - IBM Certified Deployment Professional - Spectrum Protect Plus V10.1.9 (C9003600) PDF Download
C1000-146 - IBM Certified Deployment Professional - Spectrum Protect Plus V10.1.9 (C9003600) syllabus
C1000-146 - IBM Certified Deployment Professional - Spectrum Protect Plus V10.1.9 (C9003600) test
C1000-146 - IBM Certified Deployment Professional - Spectrum Protect Plus V10.1.9 (C9003600) answers
C1000-146 - IBM Certified Deployment Professional - Spectrum Protect Plus V10.1.9 (C9003600) Practice Questions
C1000-146 - IBM Certified Deployment Professional - Spectrum Protect Plus V10.1.9 (C9003600) Free PDF
C1000-146 - IBM Certified Deployment Professional - Spectrum Protect Plus V10.1.9 (C9003600) information hunger
C1000-146 - IBM Certified Deployment Professional - Spectrum Protect Plus V10.1.9 (C9003600) teaching
C1000-146 - IBM Certified Deployment Professional - Spectrum Protect Plus V10.1.9 (C9003600) testing
C1000-146 - IBM Certified Deployment Professional - Spectrum Protect Plus V10.1.9 (C9003600) teaching
C1000-146 - IBM Certified Deployment Professional - Spectrum Protect Plus V10.1.9 (C9003600) exam Questions
C1000-146 - IBM Certified Deployment Professional - Spectrum Protect Plus V10.1.9 (C9003600) PDF Download
C1000-146 - IBM Certified Deployment Professional - Spectrum Protect Plus V10.1.9 (C9003600) practice tests
C1000-146 - IBM Certified Deployment Professional - Spectrum Protect Plus V10.1.9 (C9003600) information search
C1000-146 - IBM Certified Deployment Professional - Spectrum Protect Plus V10.1.9 (C9003600) answers
C1000-146 - IBM Certified Deployment Professional - Spectrum Protect Plus V10.1.9 (C9003600) genuine Questions
C1000-146 - IBM Certified Deployment Professional - Spectrum Protect Plus V10.1.9 (C9003600) questions
C1000-146 - IBM Certified Deployment Professional - Spectrum Protect Plus V10.1.9 (C9003600) exam contents
C1000-146 - IBM Certified Deployment Professional - Spectrum Protect Plus V10.1.9 (C9003600) exam cram
C1000-146 - IBM Certified Deployment Professional - Spectrum Protect Plus V10.1.9 (C9003600) test
C1000-146 - IBM Certified Deployment Professional - Spectrum Protect Plus V10.1.9 (C9003600) real questions
C1000-146 - IBM Certified Deployment Professional - Spectrum Protect Plus V10.1.9 (C9003600) test
C1000-146 - IBM Certified Deployment Professional - Spectrum Protect Plus V10.1.9 (C9003600) information source
C1000-146 - IBM Certified Deployment Professional - Spectrum Protect Plus V10.1.9 (C9003600) education
C1000-146 - IBM Certified Deployment Professional - Spectrum Protect Plus V10.1.9 (C9003600) exam success
C1000-146 - IBM Certified Deployment Professional - Spectrum Protect Plus V10.1.9 (C9003600) information search
C1000-146 - IBM Certified Deployment Professional - Spectrum Protect Plus V10.1.9 (C9003600) learning
C1000-146 - IBM Certified Deployment Professional - Spectrum Protect Plus V10.1.9 (C9003600) exam Questions
C1000-146 - IBM Certified Deployment Professional - Spectrum Protect Plus V10.1.9 (C9003600) exam Questions
C1000-146 - IBM Certified Deployment Professional - Spectrum Protect Plus V10.1.9 (C9003600) exam format
C1000-146 - IBM Certified Deployment Professional - Spectrum Protect Plus V10.1.9 (C9003600) test prep
C1000-146 - IBM Certified Deployment Professional - Spectrum Protect Plus V10.1.9 (C9003600) PDF questions
C1000-146 - IBM Certified Deployment Professional - Spectrum Protect Plus V10.1.9 (C9003600) tricks
C1000-146 - IBM Certified Deployment Professional - Spectrum Protect Plus V10.1.9 (C9003600) exam
C1000-146 - IBM Certified Deployment Professional - Spectrum Protect Plus V10.1.9 (C9003600) exam syllabus
C1000-146 - IBM Certified Deployment Professional - Spectrum Protect Plus V10.1.9 (C9003600) tricks
C1000-146 - IBM Certified Deployment Professional - Spectrum Protect Plus V10.1.9 (C9003600) techniques
C1000-146 - IBM Certified Deployment Professional - Spectrum Protect Plus V10.1.9 (C9003600) study help
C1000-146 - IBM Certified Deployment Professional - Spectrum Protect Plus V10.1.9 (C9003600) techniques
C1000-146 - IBM Certified Deployment Professional - Spectrum Protect Plus V10.1.9 (C9003600) exam Questions
C1000-146 - IBM Certified Deployment Professional - Spectrum Protect Plus V10.1.9 (C9003600) testing
C1000-146 - IBM Certified Deployment Professional - Spectrum Protect Plus V10.1.9 (C9003600) guide
C1000-146 - IBM Certified Deployment Professional - Spectrum Protect Plus V10.1.9 (C9003600) Practice Questions
C1000-146 - IBM Certified Deployment Professional - Spectrum Protect Plus V10.1.9 (C9003600) exam Questions

Other IBM Practice Tests


C1000-162 test prep | S2000-018 cbt | C1000-146 test prep questions | C1000-174 test example | S2000-023 exam questions | C1000-129 prep questions | C1000-116 test prep | C1000-143 exam test | C1000-137 free pdf | C1000-170 Test Prep | C1000-157 practice questions | S2000-013 cram | C1000-059 pass exam | C1000-169 mock test | C1000-024 exam answers | C1000-151 test prep | C1000-166 boot camp | S2000-017 free practice test | C1000-120 questions and answers | C1000-107 practice test |


Best practice tests You Ever Experienced


CNN-NP mock exam | AACN-CNL practical test | CRT-450 exam tips | CQE prep questions | 9L0-066 examcollection | JN0-682 free questions | HPE0-S58 practice exam | Okta-Certified-Developer Free exam PDF | PCSAE certification sample | PL-100 Free PDF | MB-500 questions download | MS-740 english test questions | ISEBSWTINT-001 pdf study guide | CRFA exam cram | C1000-126 online exam | Salesforce-Certified-Identity-and-Access-Management-Designer Test Prep | SBAC free questions | SD0-302 free pdf | 312-50v12 study guide | IQ0-100 free prep |





References :





Similar Websites :
Pass4sure Certification exam Practice Tests
Pass4Sure Certification Question Bank






Direct Download

C1000-146 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.

C1000-146 Reviews

100% Valid and Up to Date C1000-146 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