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 CCSA?
Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der CCSA: Certification in Control Self-Assessment (IIA-CCSA) Prüfung.
2025 Updated Actual CCSA questions as experienced in Test Center
Aktuelle CCSA Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz
IIA CCSA : Certification in Control Self-Assessment (IIA-CCSA) Practice TestsPractice Tests Organized by Richard |
Latest 2025 Updated IIA Certification in Control Self-Assessment (IIA-CCSA) Syllabus
CCSA examcollection with Premium PDF and Test Engine
Practice Tests and Free VCE Software - Questions Updated on Daily Basis
Big Discount / Cheapest price & 100% Pass Guarantee
CCSA examcollection : Download 100% Free CCSA practice exams (PDF and VCE)
Exam Number : CCSA
Exam Name : Certification in Control Self-Assessment (IIA-CCSA)
Vendor Name : IIA
Update : Click Here to Check Latest Update
Question Bank : Check Questions
Guarantee your prosperity with CCSA Exam Questions full of Practice Questions bank
Being prepared for the CCSA test is very easy if you apply at killexams.com and obtain CCSA PDF Download files to your smartphone, iPad, or laptop. Install the CCSA VCE test simulator on your computer, take at least a 24-hour break, and use that time to study CCSA PDF Download. Practice with the VCE test simulator and provide it a try in the real CCSA exam. You'll be pleased to see that all real CCSA questions come from these Exam Questions.
Killexams.com is a reliable provider of updated 2025 CCSA braindumps that ensure success in the real exam. Many applicants have recommended killexams.com as they have passed the CCSA test with their Exam Questions. They are now working in great positions in their respective companies. Their braindumps not only help in passing the test but also enhance knowledge about CCSA syllabus and objectives. People become more successful in their field when they use their CCSA Study Guides. They can work in real environments in companies as professionals.
If you want to pass the IIA CCSA test quickly and Strengthen your position in your organization, you should register at killexams.com. Their team of professionals collects real CCSA test questions, and you will get Certification in Control Self-Assessment (IIA-CCSA) test questions that ensure your passing of the CCSA exam. You can obtain the latest and updated CCSA test questions every time you log in to your account, and they offer a 100% money-back guarantee. There are many organizations that provide CCSA Premium Questions and Ans, but it is essential to choose a provider that offers valid, legit, and latest 2025 up-to-date CCSA Exam Questions. Do not rely on free dumps provided on the internet as they may be outdated, and you might end up failing the exam. Paying a little fee for killexams CCSA genuine questions is a better option than wasting your time and money on outdated stuff.
Many Exam Questions providers offer obsolete CCSA Study Guides. You need to choose a trustworthy and respectable CCSA Premium Questions and Ans provider on the web, and killexams.com is a reliable option. obtain 100% free CCSA Question Bank and try the demo questions. If you are satisfied, register and get three months of access to obtain the latest and valid CCSA Study Guides that contains genuine test questions and answers. You should also get CCSA VCE test simulator for your training.
Killexams.com offers the latest, valid, and up-to-date IIA CCSA Study Guides, which is the best option to pass the Certification in Control Self-Assessment (IIA-CCSA) exam. Their reputation is built on helping individuals pass the CCSA test on their first attempt, and their Exam Questions has remained at the top for the last four years. Clients trust their CCSA Question Bank and VCE for their real CCSA exam, and they keep their CCSA Study Guides valid and up-to-date constantly. Killexams.com is the best in CCSA real test questions.
CCSA test Format | CCSA Course Contents | CCSA Course Outline | CCSA test Syllabus | CCSA test Objectives
Test Detail:
The Certification in Control Self-Assessment (CCSA) exam, offered by the Institute of Internal Auditors (IIA), is designed to assess the knowledge and skills of professionals in the field of control self-assessment. This certification demonstrates an individual's ability to effectively assess and manage risks, controls, and governance processes within an organization.
Course Outline:
The course for the CCSA certification covers a wide range of syllabus related to control self-assessment and internal auditing. The following is a general outline of the key areas covered:
1. Control Self-Assessment Fundamentals:
- Understanding the principles and concepts of control self-assessment (CSA).
- Roles and responsibilities of CSA practitioners.
- Benefits and limitations of CSA.
2. Risk Management and Internal Control:
- Understanding risk management frameworks and methodologies.
- Assessing internal controls and identifying control gaps.
- Control monitoring and evaluation.
3. CSA Methodology and Process:
- Overview of the CSA process and steps involved.
- Developing CSA objectives, scope, and criteria.
- Planning and executing CSA activities.
4. Facilitation and Interviewing Techniques:
- Effective facilitation techniques for CSA workshops and meetings.
- Interviewing skills for gathering information and conducting exams.
- Active listening and communication skills.
5. Data Analysis and Reporting:
- Analyzing CSA data and identifying trends and patterns.
- Reporting CSA findings and recommendations.
- Communicating results to stakeholders.
6. Governance, Risk, and Compliance (GRC):
- Understanding the relationship between governance, risk, and control.
- Compliance frameworks and requirements.
- Integrating CSA with GRC processes.
Exam Objectives:
The CCSA test assesses the candidate's proficiency in the following domains:
1. Control Self-Assessment Principles and Concepts
2. Risk Management and Internal Control
3. CSA Methodology and Process
4. Facilitation and Interviewing Techniques
5. Data Analysis and Reporting
6. Governance, Risk, and Compliance (GRC)
Each domain covers specific knowledge areas, skills, and tasks that candidates are expected to demonstrate proficiency in.
Exam Syllabus:
The CCSA test syllabus provides a detailed breakdown of the syllabus covered in each domain. It may include sub-topics, techniques, and best practices that candidates should be familiar with. The syllabus may cover the following areas:
- Control self-assessment principles and frameworks
- Risk management methodologies and techniques
- Internal control test and evaluation
- CSA process steps and activities
- Facilitation techniques for CSA workshops
- Interviewing skills for conducting exams
- Data analysis and interpretation
- Reporting and communication of CSA findings
- Governance, risk, and compliance frameworks and concepts
Killexams Review | Reputation | Testimonials | Feedback
Is there someone who recently passed the CCSA exam?
I am writing this to express my gratitude to killexams.com for helping me pass the CCSA test with a 96% score. Their test bank series is excellent as it gives a real feel of an online test and provides detailed explanations for each question in easy-to-understand language. I am more than satisfied with my choice of buying their test series.
I found a good place for the CCSA question bank.
I purchased the certification package and studied it thoroughly, and last week I passed the CCSA test and received my certification. The killexams.com online test simulator was an excellent tool to prepare for the exam, increasing my confidence and enabling me to pass the certification test with ease. I frantically searched for unique contents as I only had one week left for the CCSA test and stopped at killexams.com Questions and Answers. It had short question-answers that were easy to recognize. Within a week, I analyzed as many questions as possible and scored 83%, making 50/60 accurate answers in due time. killexams.com was an awesome solution for me. Thank you.
A quick, complete, and accurate mock test bank for the latest CCSA exam.
I am thrilled to have passed the CCSA test with the help of killexams.com. The questions were accurate, and the preparation materials were robust and reliable. I have already shared my experience with colleagues, and I highly recommend killexams.com to anyone looking for dependable study guides for any exam.
Do you want real mock test for the latest CCSA test to pass?
As a working professional, I found Killexams to be a useful platform to practice the practice test anywhere. The revision practice exams helped me secure 88% marks in the CCSA exam. I suggest that Killexams develops an android app so that people like us can practice the tests while traveling.
Where can I find the latest practice test questions for CCSA?
It was an extremely positive experience with the Killexams.com team. Their guidance was invaluable and helped me make significant progress. I greatly appreciate their effort.
IIA Certification tricks
CCSA Exam
User: Tisha***** The Killexams.com website provided me access to several test training materials for the ccsa exam. I was initially unsure which one to choose, but the samples on the website helped me select the quality one. I purchased the Killexams.com practice tests, which helped me understand the essential concepts and answer all questions in a timely manner. I am happy to have Killexams.com as my coach. |
User: Maude***** I have made a habit of regularly going through the Killexams.com mock test when the ccsa test is approaching. With the test coming up in just about six days, the mock test were becoming more important. But sometimes, I needed a reference guide to review syllabus so that I could better understand them. Thanks to Killexams.com, their mock test made it easy to get the syllabus fixed in my mind, which would otherwise have been challenging. And it is all because of Killexams.com products that I managed to score 980 in my exam, which was the highest score in my class. |
User: Allan***** Killexams.com CCSA questions are outstanding and perfectly replicate the Test Center questions. I was impressed with the training material and ultimately passed the test with over 80%. |
User: Levka***** Thanks to the CCSA mock test provided by killexams.com, I was able to pass my test with ease. I am so satisfied with their material that I plan to come back for other IIA certifications in the future. |
User: Roksana***** I was very disappointed when I failed my CCSA exam, but a quick search on the internet led me to killexams.com. I purchased the CCSA practice tests, which included questions, answers, and an test simulator, and quickly passed the exam, scoring 98%. Thanks to the killexams.com team, I was able to pass the test and achieve my certification. |
CCSA Exam
Question: Does killexams share my email address with anyone? Answer: No, never. Killexams privacy policy is very strict. Your name and email address are kept highly confidential. Killexams has no access to your data. Your email is used to communicate with you and your name is used to create a username and password. That's all. |
Question: Can I still use the CCSA PDF and VCE if my killexams account expires? Answer: Yes, You can use PDF and VCE after your account expires. There is no expiry of CCSA PDF and VCE that you have already downloaded. Killexams test PDF and test simulator keep on working even after expiry but you can not obtain updated test files after your account expires. But the previous one keeps on working. And there is no limit on several times you practice the questions. |
Question: I have contacted support but did not heard back in two days, why? Answer: Some queries take more than 24 hours or even sometimes a week to respond. It depends on the type of query. For example, if you want to check for an update, their team reply to you within 24 hours about the update status, but If you want to track your wire transfer payment, their team will wait until your wire transfer arrives at their payment bank and will complete your order and let you know. |
Question: Do I need course books with killexams CCSA dumps? Answer: Killexams recommend these CCSA questions to memorize before you go for the genuine test because this CCSA examcollection contains an up-to-date and 100% valid CCSA examcollection with a new syllabus. Killexams has provided the shortest CCSA questions for busy people to pass CCSA test without reading massive course books. If you go through these CCSA questions, you are more than ready to take the test. They recommend taking your time to study and practice CCSA practice test until you are sure that you can answer all the questions that will be asked in the genuine CCSA exam. For a full version of CCSA test prep, visit killexams.com and register to obtain the complete examcollection of CCSA test test prep. These CCSA test questions are taken from genuine test sources, that's why these CCSA test 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 CCSA questions are sufficient to pass the exam. |
Question: I have very poor reading skills, What should I use to pass CCSA exam? Answer: If you have poor reading skills, you should use the VCE test simulator. You should take the CCSA test again and again until you get a 100% score in the test simulator. It means you are ready to take the test. Although they recommend going through all the questions/answers before you take the test and get additional knowledge as much as possible, still you can pass your test with these CCSA dumps. |
https://www.pass4surez.com/art/read.php?keyword=IIA+Certification+tricks&lang=us&links=remove
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 ACTUAL EXAM QUESTIONS 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 test simulator. Visit Their demo questions and demo brain dumps, their test simulator and you will definitely know that killexams.com is the best brain dumps site.
Which is the best practice exams website?
Indeed, Killexams is fully legit together with fully efficient. There are several attributes that makes killexams.com traditional and legit. It provides informed and fully valid test questions containing real exams questions and answers. Price is really low as compared to the vast majority of services online. The mock test are kept up to date on normal basis along with most exact questions. Killexams account arrangement and supplement delivery is very fast. File downloading is usually unlimited and incredibly fast. Help is avaiable via Livechat and Contact. These are the features that makes killexams.com a sturdy website which provide test prep with real exams questions.
Is killexams.com test material dependable?
There are several mock test provider in the market claiming that they provide genuine 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 mock test 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 examcollection 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 syllabus of new syllabus, They recommend to obtain PDF test 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 mock test 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 genuine Test. Go register for Test in Test Center and Enjoy your Success.
Salesforce-Certified-CPQ-Specialist test example | CRT-450 pdf study guide | C1000-080 assessment test demo | APHN-BC mock test | 3V0-32.21 test practice | DP-420 practice test | LFCS test prep | CQA practice test | DU0-001 test questions | PCEP-30-02 study guide | IOS-252 free practice exams | DEV-401 bootcamp | 2B0-202 cram book | SVC-19A past exams | 4A0-116 test cram | AONL-CNML test results | 2V0-71.23 practice test | MISCPRODUCT PDF obtain | RRT-ACCS practice test | Servicenow-CIS-RC test papers |
CCSA - Certification in Control Self-Assessment (IIA-CCSA) teaching
CCSA - Certification in Control Self-Assessment (IIA-CCSA) test Cram
CCSA - Certification in Control Self-Assessment (IIA-CCSA) information source
CCSA - Certification in Control Self-Assessment (IIA-CCSA) information hunger
CCSA - Certification in Control Self-Assessment (IIA-CCSA) test
CCSA - Certification in Control Self-Assessment (IIA-CCSA) syllabus
CCSA - Certification in Control Self-Assessment (IIA-CCSA) learn
CCSA - Certification in Control Self-Assessment (IIA-CCSA) test prep
CCSA - Certification in Control Self-Assessment (IIA-CCSA) education
CCSA - Certification in Control Self-Assessment (IIA-CCSA) test Cram
CCSA - Certification in Control Self-Assessment (IIA-CCSA) teaching
CCSA - Certification in Control Self-Assessment (IIA-CCSA) education
CCSA - Certification in Control Self-Assessment (IIA-CCSA) Question Bank
CCSA - Certification in Control Self-Assessment (IIA-CCSA) test help
CCSA - Certification in Control Self-Assessment (IIA-CCSA) guide
CCSA - Certification in Control Self-Assessment (IIA-CCSA) Practice Questions
CCSA - Certification in Control Self-Assessment (IIA-CCSA) learning
CCSA - Certification in Control Self-Assessment (IIA-CCSA) test Questions
CCSA - Certification in Control Self-Assessment (IIA-CCSA) genuine Questions
CCSA - Certification in Control Self-Assessment (IIA-CCSA) course outline
CCSA - Certification in Control Self-Assessment (IIA-CCSA) boot camp
CCSA - Certification in Control Self-Assessment (IIA-CCSA) Real test Questions
CCSA - Certification in Control Self-Assessment (IIA-CCSA) education
CCSA - Certification in Control Self-Assessment (IIA-CCSA) test
CCSA - Certification in Control Self-Assessment (IIA-CCSA) test success
CCSA - Certification in Control Self-Assessment (IIA-CCSA) Free test PDF
CCSA - Certification in Control Self-Assessment (IIA-CCSA) answers
CCSA - Certification in Control Self-Assessment (IIA-CCSA) information source
CCSA - Certification in Control Self-Assessment (IIA-CCSA) testprep
CCSA - Certification in Control Self-Assessment (IIA-CCSA) information search
CCSA - Certification in Control Self-Assessment (IIA-CCSA) tricks
CCSA - Certification in Control Self-Assessment (IIA-CCSA) outline
CCSA - Certification in Control Self-Assessment (IIA-CCSA) study help
CCSA - Certification in Control Self-Assessment (IIA-CCSA) test Questions
CCSA - Certification in Control Self-Assessment (IIA-CCSA) teaching
CCSA - Certification in Control Self-Assessment (IIA-CCSA) test Questions
CCSA - Certification in Control Self-Assessment (IIA-CCSA) PDF questions
CCSA - Certification in Control Self-Assessment (IIA-CCSA) study tips
CCSA - Certification in Control Self-Assessment (IIA-CCSA) learning
CCSA - Certification in Control Self-Assessment (IIA-CCSA) information source
CCSA - Certification in Control Self-Assessment (IIA-CCSA) outline
CCSA - Certification in Control Self-Assessment (IIA-CCSA) test questions
CCSA - Certification in Control Self-Assessment (IIA-CCSA) Latest Topics
CCSA - Certification in Control Self-Assessment (IIA-CCSA) learn
Other IIA Practice Tests
IIA-CRMA-ADV real questions | CIA-III test exam | CIA-I free questions | IIA-CRMA Real test Questions | IIA-ACCA Question Bank | CFSA pass marks | CCSA past exams | IIA-CIA-Part3-3P free questions | CIA-II examcollection |
Best practice exams You Ever Experienced
CTFL-V4-Foundation english test questions | BL0-100 Practice Questions | JN0-451 pdf download | AEMT free test papers | H12-111_V2.5-ENU practice exam | 1Y0-312 test answers | AZ-600 model question | PEGACPMC84V1 test tips | STAAR mock test | CPM practice exam | C1000-080 free online test | NSE8-812 demo test | 156-587 questions download | PEGACPDS88V1 test Questions | CHHE certification sample | DBS-C01 test results | 050-733 practice test | AAPC-CPC demo questions | OG0-091 test questions | CDMP pdf questions |
References :
https://arfansaleemfan.blogspot.com/2020/07/ccsa-certification-in-control-self.html
https://drp.mk/i/1YwB8DyRbP
https://files.fm/f/guew2q552
http://killexamstestprep.blogdigy.com/ccsa-certification-in-control-self-assessment-iia-ccsa-2021-updated-dumps-by-killexams-com-11372048
https://youtu.be/5LO2tN3lJq4
http://feeds.feedburner.com/156-215-80DumpsAndPracticeSoftwareWithRealQuestion
https://www.coursehero.com/file/77479578/Certification-in-Control-Self-Assessment-IIA-CCSA-CCSApdf/
https://sites.google.com/view/killexams-ccsa-cheat-sheet
https://www.instapaper.com/read/1398747423
Similar Websites :
Pass4sure Certification test Practice Tests
Pass4Sure Certification Question Bank
CCSA 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 CCSA 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