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.

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Exam Number : CCBA
Exam Name : Certification of Competency in Business Analysis
Vendor Name : IIBA
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CCBA test Format | CCBA Course Contents | CCBA Course Outline | CCBA test Syllabus | CCBA test Objectives


To earn the CCBA designation, candidates must:

Complete a minimum of 3,750 hours of Business Analysis work experience in the last 7 years.
Within these 3750 minimum hours required, a minimum of 900 hours must be completed in each of 2 of the 6 BABOK® Guide Knowledge Areas OR, a minimum of 500 hours must be completed in each of 4 of the 6 BABOK® Guide Knowledge Areas.
Complete a minimum of 21 hours of Professional Development within the last 4 years.
Provide references.
Agree to Code of Conduct.
Agree to Terms and Conditions.
Pass the exam.

The CCBA certificate is for:

Individuals with an ECBA™ designation
Product Managers
Non-BA consultants
Trainers
Hybrid Business Analysis professionals, including: Project Manager, Testers, Quality Assurance (QA) professionals, Change/Transformation Managers, and Designers

Business Analysis Planning and Monitoring 12%
Elicitation and Collaboration 20%
Requirements Life Cycle Management 18%
Strategy Analysis 12%
Requirements Analysis and Design Definition 32%
Solution Evaluation 6%

Modifies rules: Encounters situations where there is confidence to modify the guidelines that have been provided for addressing the challenge.
Recommends actions: Although generally works independently on smaller, well scoped challenges, still relies on expert help for more complex work. Skills, knowledge and confidence have developed to the level where appropriate actions are identified.
Applied knowledge: Has practiced the competency and skills have evolved working on small, less complex challenges or with guidance on large, more complex work.

Plan Business Analysis Approach
- Skilled: Recommends action for selecting the business analysis approach.
- Skilled: Recommends action forlevel of business analysis formality.
- Skilled: Recommends action for identifying business anlaysis activities.
- Skilled: Recommends action for the timing of business analysis work.
- Skilled: Applied knowledge of assessing complexity, size, and risk factors.
- Skilled: Applied knowledge of gaining stakeholder understanding and agreement.

Methodology Knowledge: Demonstrate capability in multiple analysis methodologies.
Verbal & Non-Verbal Communication: Adapt communication style to the needs of the situation and the individual.
Listening: Use active listening and discovery skills to understand “real” issues/needs and build chemistry.

Plan Stakeholder Engagement
- Skilled: Applied knowledge of stakeholder analysis.
- Skilled: Applied knowledge of stakeholder collaboration.
- Skilled: Applied knowledge of identifying stakeholder collaboration needs.

Systems Thinking: Leverage holistic view of people, processes and technology to understand the enterprise.
Organization Knowledge: Demonstrate an understanding of the organizations nuances and how to get things done.
Listening: Use active listening and discovery skills to understand “real” issues/needs and build chemistry.

Plan Business Analysis Governance

- Skilled: Applied knowledge of identifying an effective decision-making process.
- Skilled: Applied knowledge of developing an effective change control processes.
- Skilled: Applied knowledge of developing an effective prioritizaion process.
- Skilled: Recommends action for planning an effective approval process.

Decision Making: Make and help others make the best decision based on appropriate criteria, such as:
business need, opportunities, risk, compliance, and ability to achieve the desired outcome.
Organization Knowledge: Demonstrate an understanding of the organizations nuances and how to get things done.
Methodology Knowledge: Demonstrate capability in multiple analysis methodologies.
Methodology Knowledge: Demonstrate capability in multiple analysis methodologies.

Plan Business Analysis Information Management

- Skilled: Applied knowledge of how to oganize business analysis information.
- Skilled: Applied knowledge of determining the appropriate level of abstraction.
- Skilled: Applied knowledge of traceability.
- Skilled: Applied knowledge of planning for requirements reuse.
- Skilled: Applied knowledge of storing and accessing business analysis information.
- Skilled: Applied knowledge on attributes for requirements and design management.

Organization Knowledge: Demonstrate an understanding of the organizations nuances and how to get things done.
Methodology Knowledge: Demonstrate capability in multiple analysis methodologies.
Business Analysis Tools & Technology: Leverage appropriate business analysis tools.

Identify Business Analysis Performance Improvements

- Skilled: Recommends action for reports on business analysis performance.
- Skilled: Applied knowledge of identifying business analysis performance measures.
- Skilled: Applied knowledge of assessing business analysis performance measures.
- Skilled: Applied knowledge of recommending business analysis performance improvements.

Creative Thinking: Think creatively and help others to think creatively to identify innovative solutions.
Learning: Demonstrate an ability to learn quickly and willingly.
Adaptability: Adapt to and embrace changing situations as an opportunity, rather than an obstacle.

Prepare for Elicitation
- Skilled: Modifies rules for the elicitation scope
- Skilled: Modifies rules for selecting appropriate elicitation techniques
- Skilled: Modifies rules for setting up logistics for elicitation activities
- Skilled: Modifies rules for preparing supporting elicitation materials
- Skilled: Recommends action on stakeholder preparation for elicitation activities


Learning: Demonstrate an ability to learn quickly and willingly.
Organization & Time Management: Organize activities and manage time efficiently to adhere to commitments and changing priorities.
Adaptability: Adapt to and embrace changing situations as an opportunity, rather than an obstacle.
Teaching: Teach and ensure comprehension of new concepts.
Conduct Elicitation
Skilled: Modifies rules for guiding the elicitation activity
Skilled: Modifies rules for capturing capturing the outcomes of the elicitation activity.
Conceptual Thinking: Ability to put the pieces together.
Adaptability: Adapt to and embrace changing situations as an opportunity, rather than an obstacle.
Verbal & Non-Verbal Communication: Adapt communication style to the needs of the situation and the individual.
Listening: Use active listening and discovery skills to understand “real” issues/needs and build chemistry.
Facilitation: Use facilitation skills to encourage participation from all attendees.
Confirm Elicitation Results
- Skilled: Recommends action on comparing elicitation results against source information.
- Skilled: Recommends action on comparing elicitation results against other elicitation results.

Decision Making: Make and help others make the best decision based on appropriate criteria, such as:
business need, opportunities, risk, compliance, and ability to achieve the desired outcome.
Leadership & Influencing: Influence others to drive action.
Negotiation & Conflict Resolution: Resolve conflicts and negotiate to reach
Communicate Business Analysis Information
- Skilled: Recommends action on determining objectives and format of communication.
- Skilled: Recommends action for communicating the appropriate level of detail.

Verbal & Non-Verbal Communication: Adapt communication style to the needs of the situation and the individual.
Written Communication: Demonstrate well prepared, stakeholder-focused written communication.
Listening: Use active listening and discovery skills to understand “real” issues/needs and build chemistry.
Manage Stakeholder Collaboration
- Skilled: Applied knowledge of gaining stakeholder agreement.
- Skilled: Applied knowledge of monitoring stakeholder engagement.
- Skilled: Applied knowledge of collaborative stakeholder relationships.

Organization & Time Management: Organize activities and manage time efficiently to adhere to commitments and changing priorities.
Adaptability: Adapt to embrace changing situations as an opportunity, rather than an obstacle.
Teamwork: Foster a collaborative working environment.
Negotiation & Conflict Resolution: Resolve conflicts and negotiate to obtain agreement.

Trace Requirements
- Skilled: Applied knowledge of value and relationship considerations while tracing requirements.
- Skilled: Applied knowledge of identifying the relationships to track to effectively manage traceability.
- Skilled: Applied kowledge of determining and appropriate traceability repository.

Conceptual Thinking: Ability to put the pieces together.
Methodology Knowledge: Demonstrate capability in multiple analysis methodologies.
Business Analysis Tools & Technology: Leverage appropriate business analysis tools.
Maintain Requirements
- Skilled: Applied knowledge of maintaining requirement and design information.
- Skilled: Applied knowledge of managing attributes.
- Skilled: Applied knowledge of managing requirements for long-term reuse.

Systems Thinking: Leverage holistic view of people, processes and technology to understand the enterprise.
Organization Knowledge: Demonstrate an understanding of the organizations nuances and how to get things done.
Business Analysis Tools & Technology: Leverage appropriate business analysis tools.
Prioritize Requirements
- Skilled: Recommends action for determining the appropriate basis for prioritizing requirements.
- Skilled: Applied knowledge of guiding stakeholders through prioritization changes.
- Skilled: Applied knowledge of prioritizing new information.

Decision Making: Make and help others make the best decision based on appropriate criteria, such as:
business need, opportunities, risk, compliance, and ability to achieve the desired outcome.
Business Acumen & Industry Knowledge: Demonstrate the ability to incorporate business and industry knowledge into work.
Negotiation & Conflict Resolution: Resolve conflicts and negotiate to reach agreements.
Assess Requirements Changes
- Skilled: Applied knowledge of assessing the formality of the test process.
- Skilled: Applied knowledge of completing impact analysis activities.
- Skilled: Applied knowledge of guiding impact resolution activities.

Decision Making: Make and help others make the best decision based on appropriate criteria, such as:
business need, opportunities, risk, compliance, and ability to achieve the desired outcome.
Systems Thinking: Leverage holistic view of people, processes and technology to understand the enterprise.
Organization Knowledge: Demonstrate an understanding of the organizations nuances and how to get things done.
Approve Requirements
- Skilled: Applied knowlege of stakeholder roles and authority levels.
- Skilled: Applied knowledge of managing conflicts and resolving issues.
- Skilled: Applied knowledge of using appropriate methods to gain consensus about key business analysis information.
- Skilled: Recommends action for tracking and communicating approval decisions.

Verbal & Non-Verbal Communication: Adapt communication style to the needs of the situation and the individual.
Listening: Use active listening and discovery skills to understand “real” issues/needs and build chemistry.
Negotiation & Conflict Resolution: Resolve conflicts and negotiate to reach agreements.

Analyze Current State
- Skilled: Recommends action for defining business needs.
- Skilled: Recommends action for the organizational structure and culture.
- Skilled: Applied knowledge of the organizational capabilities and processes.
- Skilled: Applied knowledge of the technology and infrastructure utilized by the organization.
- Skilled: Applied knowledge of organizational policies and business rules.
- Skilled: Applied knowledge of the organization's business architecture.
- Skilled: Applied knowledge of the organization's internal assets
- Skilled: Applied knowledge of external influencers.

Systems Thinking: Leverage holistic view of people, processes and technology to understand the enterprise.
Business Acumen & Industry Knowledge: Demonstrate the ability to incorporate business and industry knowledge into work.
Organization Knowledge: Demonstrate an understanding of the organizations nuances and how to get things done.
Define Future State
- Skilled: Applied knowledge of articulating business goals and objectives.
- Skilled: Recommends action for determining the solution scope.
- Skilled: Recommends action for identifying constraints.
- Skilled: Applied knowledge of identifying potential changes to organizational structure and culture.
- Skilled: Applied knowledge of identifying new capabilities and business processes.
- Skilled: Applied knowledge of identifying new technology and infrastructure.
- Skilled: Applied knowledge of identifying new organizational policies and business rules.
- Skilled: Applied knowledge of ensuring business architecture is respected.
- Skilled: Applied knowledge of assessing resource alignment for future state and transition to future state.
- Skilled: Applied knowledge of identifying assumptions related to the future state.
- Skilled: Applied knowledge of evaluating the potential value for the future state.

Creative Thinking: Think creatively and help others to think creatively to identify innovative solutions.
Systems Thinking: Leverage holistic view of people, processes and technology to understand the enterprise.
Organization Knowledge: Demonstrate an understanding of the organizations nuances and how to get things done.
Assess Risks
- Skilled: Applied knowlege of identifying unknowns.
- Skilled: Applied knowledge of identifying and managing constraints, assumptions and dependencies.
- Skilled: Applied knowledge of quantifying the impact of risk factors.
- Skilled: Applied knowledge of assessing stakeholder and organizatoinal risk tolerances.
- Skilled: Applied knowledge of recommending an effective course of action.

Creative Thinking: Think creatively and help others to think creatively to identify innovative solutions.
Decision Making: Make and help others make the best decision based on appropriate criteria, such as:
business need, opportunities, risk, compliance, and ability to achieve the desired outcome.
Business Acumen & Industry Knowledge: Demonstrate the ability to incorporate business and industry knowledge into work.
Define Change Strategy
- Skilled: Recommends action for identifying the appropriate solution scope.
- Skilled: Applied knowledge of performing gap analysis.
- Skilled: Applied knowledge of completing the enterprise readiness exam.
- Skilled: Applied knowledge of developing an effective change strategy.
- Skilled: Applied knowledge of developing appropriate transition states and completing release plans.

Decision Making: Make and help others make the best decision based on appropriate criteria, such as:
business need, opportunities, risk, compliance, and ability to achieve the desired outcome.
Systems Thinking: Leverage holistic view of people, processes and technology to understand the enterprise.
Organization Knowledge: Demonstrate an understanding of the organizations nuances and how to get things done.

Specify and Model Requirements
- Skilled: Recommends action for modeling requirements and designs.
- Skilled: Recommends action for analyzing requirements and designs.
- Skilled: Recommends action for identifying information for requirements and designs.
- Skilled: Recommends action for developing the appropriate level of abstraction to meet various needs.

Learning: Demonstrate an ability to learn quickly and willingly.
Visual Thinking: Communicate complex concepts and data as understandable.
Written Communication: Demonstrate well prepared, stakeholder-focused written communication.
Verify Requirements
- Skilled: Recommends action for applying the characteristics of requirements and designs quality.
- Skilled: Recommends action for performing verification activities throughout the work.
- Skilled: Recommends action for using appropriate checklists for quality control.

Decision Making: Make and help others make the best decision based on appropriate criteria, such as:
business need, opportunities, risk, compliance, and ability to achieve the desired outcome.
Organization Knowledge: Demonstrate an understanding of the organizations nuances and how to get things done.
Methodology Knowledge: Demonstrate capability in multiple analysis methodologies.
Validate Requirements
- Skilled: Applied knowledge in identifying assumptions in order to manage risks.
- Skilled: Applied knowledge of defining measurable evaluation criteria to assess the success of the change.
- Skilled: Applied knowledge of evaluating alignment with solution scope to support value delivery.

Systems Thinking: Leverage holistic view of people, processes and technology to understand the enterprise.
Organization Knowledge: Demonstrate an understanding of the organizations nuances and how to get things done.
Methodology Knowledge: Demonstrate capability in multiple analysis methodologies.
Define Requirements Architecture
- Skilled: Applied knowledge of using requirements viewpoints and views effectively.
- Skilled: Applied knowledge of leveraging templates to develop the solution architecture.
- Skilled: Recommends action for ensuring the set of requirements is complete
- Skilled: Recommends action for ensuring requirements relate to each other by identifying requirements relationships.
- Skilled: Recommends action for defining the business analysis information architecture.

Problem Solving: Use a structured approach to problem solving.
Conceptual Thinking: Ability to put the pieces together.
Methodology Knowledge: Demonstrate capability in multiple analysis methodologies
Define Design OPtions
- Skilled: Recommends action for identifying appropriate solution approaches.
- Skilled: Recommends action for identifying improvement opportunities.
- Skilled: Recommends action for allocating requirements to solution components and releases.
- Skilled: Recommends action for developing design options aligned with the desired future state.

Systems Thinking: Leverage holistic view of people, processes and technology to understand the enterprise.
Conceptual Thinking: Ability to put the pieces together.
Organization Knowledge: Demonstrate an understanding of the organization's nuances and how to get things done.
Analyze Potential Value and Recommend Solution
- Skilled: Recommends action for identifying the expected benefits of a potential solution.
- Skilled: Recommends action for identifying the costs associated with a potential solution.
- Skilled: Recommends action for determining the value of a solution to key stakeholders.
- Skilled: Recommends action for assessing design options and recommending the appropriate solution.

Decision Making: Make and help others make the best decision based on appropriate criteria, such as:
business need, opportunities, risk, compliance, and ability to achieve the desired outcome.

Systems Thinking: Leverage holistic view of people, processes and technology to understand the enterprise.
Solution Knowledge: Leverage an understanding of the organization to identify the most effective means of implementing change.

Measure Solution Performance
- Skilled: Applied knowledge in identifying appropriate measures for assessing solution performance.
- Skilled: Applied knowledge of validating selected performance measures with key stakeholders.
- Skilled: Applied knowledge in collecting appropriate performance measures to assess solution performance.

Solution Knowledge: Leverage an understanding of the organization to identify the most effective means of implementing a change.
Methodology Knowledge: Demonstrate capability in multiple analysis methodologies.
Verbal & Non-Verbal Communication: Adapt communication style to the needs of the situation and the individual.
Office Productivity and Communication Tools & Technology: Demonstrate proficiency in using office applications to document, track, and communicate information and artifacts.
Analyze Performance Measures
- Skilled: Applied knowledge of examining collected performance easures to assess solution performance.
- Skilled: Applied knowledge of highlighting identified risks.
- Skilled: Applied knowledge of identifying relevant trends.
- Skilled: Applied knowledge of testing and analyzing performance measures to ensure accuracy.
- Skilled: Applied knowledge of identifying the root cause of performance variances and recommending actions.

Learning: Demonstrate an ability to learn quickly and willingly.
Systems Thinking: Leverage holistic view of people, processes and technology to understand the enterprise.
Business Acumen & Industry Knowledge: Demonstrate the ability to incorporate business and industry knowledge into work.
Assess Solution Limitations
- Skilled: Applied knowledge of identifying internal solution component dependencies.
- Skilled: Applied knowledge of performing problem analysis to identify the source of solution limitations.
- Skilled: Applied knowledge of performing impact test activities to quantify factors that affect solution performance

Learning: Demonstrate an ability to learn quickly and willingly.
Systems Thinking: Leverage holistic view of people, processes and technology to understand the enterprise.
Business Acumen & Industry Knowledge: Demonstrate the ability to incorporate business and industry knowledge into work.
Assess Enterprise Limitations
- Skilled: Applied knowledge of assessing enterprise culture.
- Skilled: Applied knowledge of completing stakeholder impact analysis.
- Skilled: Applied knowledge of assessing solution impact on organizational structure.
- Skilled: Applied knowledge of performing operational exam.

Learning: Demonstrate an ability to learn quickly and willingly.
Systems Thinking: Leverage holistic view of people, processes and technology to understand the enterprise.
Business Acumen & Industry Knowledge: Demonstrate the ability to incorporate business and industry knowledge into work.

Recommend Actions to Increase Solution Value
- Skilled: Applied knowledge of ensuring appropriate solution performance measures are being used.
- Skilled: Applied knowledge of providing substantiated recommendations.

Decision Making: Make and help others make the best decision based on appropriate criteria, such as:
business need, opportunities, risk, compliance, and ability to achieve the desired outcome.
Systems Thinking: Leverage holistic view of people, processes and technology to understand the enterprise.
Organization Knowledge: Demonstrate an understanding of the organizations nuances and how to get things done.



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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