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 CDL?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der CDL: Commercial Drivers License Prüfung.

2024 Updated Actual CDL questions as experienced in Test Center

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

CDL exam Questions - Commercial Drivers License | https://www.easyfinanz.cc/

Certification-Board CDL : Commercial Drivers License exam Dumps

Exam Dumps Organized by Martin Hoax



Latest 2024 Updated Certification-Board Commercial Drivers License Syllabus
CDL actual questions / Braindumps contains genuine exam Questions

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




CDL Test Center Questions : Download 100% Free CDL actual questions (PDF and VCE)

Exam Number : CDL
Exam Name : Commercial Drivers License
Vendor Name : Certification-Board
Update : Click Here to Check Latest Update
Question Bank : Check Questions

Just download and read these CDL Study Guide before you go for real test
When you choose killexams.com, you can rest assured that you are getting the latest and most up-to-date Commercial Drivers License Exam Cram available, with a 100% guarantee. To prepare, simply download their CDL PDF Braindumps and Study Guide from the download section and start practicing. Within 24 hours, you will be ready to take on the real CDL test with confidence.

There are numerous providers of Exam Questions available on the internet, but most of them offer outdated CDL Latest Topics. To find a reliable and trustworthy source of CDL Real exam Questions, you need to conduct proper research. However, it's crucial to ensure that your research doesn't turn out to be a waste of time and money. To evaluate the quality of their CDL Exam Questions, download their 100% free demo CDL questions, and register to access the latest and valid CDL Latest Topics that includes genuine exam questions and answers. Don't forget to get your Great Discount Coupons and also take advantage of their CDL VCE exam simulator for your preparation.

At killexams.com, they offer the Latest, Valid, and Up-to-date Certification-Board Commercial Drivers License dumps, which are essential to pass the CDL test. Enhancing your expertise as an expert within your organization is a prerequisite. Their ultimate goal is to assist individuals in passing the CDL test in their first attempt. Their CDL Latest Topics remains at the top constantly, thanks to their exam dumps and VCE, which are trusted by their clients who take the real CDL test. killexams.com is the most credible source of genuine CDL test questions. They ensure that their CDL Real exam Questions is always updated and valid. These Commercial Drivers License ACTUAL EXAM QUESTIONS will undoubtedly help you pass the test with good grades.







CDL exam Format | CDL Course Contents | CDL Course Outline | CDL exam Syllabus | CDL exam Objectives


Classroom – Provides 40 hours of classroom training that will prepare the student to
pass the “Knowledge Test” required to obtain a Class A CDL instruction permit.
Range/Road – Provides 120 hours of practical experience and training relating to
performing and passing pre-trip inspection testing, basic controls skills testing and road
skills testing.
Home Study – Students will study the KY CDL Manual (provided) in order to pass the
Class A CDL knowledge test. In addition, part of the Delmar Tractor Trailer Truck Driver
Training book (provided) will be completed prior to course completion.

Upon successful completion of this class the student will be able to master the skills
necessary to obtain a Class A CDL. The student will also be able to understand and
discuss the importance of safety as it relates to the operation of a semi-tractor and
trailer in and around docks, shippers and consignees, in both city and/or over the road
driving. The student will also be able to perform the following procedures;



1. Drive and control a semi-tractor and trailer on local, city, county and interstate roads

2. Perform vehicle inspections

3. Shift gears

4. Understand speed and space management

5. Recognize road hazards, aggressive drivers/road rage

6. Identify and avoid distracted driving and why

7. Learn about night driving, driver fatigue, extreme driving conditions, hazard perception

8. Learn about railroad crossings and how to cross them properly

9. How to handle driving emergencies and accident procedures

10.Rules about alcohol and other drugs

11.Map reading and trip planning

12.DOT Regulations

13.Log Book and Hours of Service Regulations

14.Accident reports

15.Conduct pre and post-trip inspections, complete Driver Vehicle Inspection Reports (DVIR)

16.Perform maneuvers, straight line, off-set backing and parallel parking

17.Double clutch and shift a 10-speed transmission

18.Master turns, ramps, lane changes, space management and uphill and downhill shifting situations

19.Pass the Class A skills Test





Killexams Review | Reputation | Testimonials | Feedback


Up to date and reliable brain dumps of CDL are to be had here.
Unlike other online braindumps that are often posted by irresponsible individuals, killexams.com provides valid Questions and Answers that help guide you through the exam preparation process. Thanks to killexams.com, I passed my CDL exam on the first try. I initially relied on free online resources and failed. But with the help of killexams.com's exam simulator, I was able to pass. Thank you, killexams.com, for providing me with the evidence I need to trust your resources.


What is required to study and pass CDL exam?
I achieved my CDL Certification thanks to the reliable guidance provided by killexams.com exam dump. Even though I failed the exam on my first attempt, I kept practicing with killexams.com and the help of a reliable book. The second time around, I passed with a strong score, thanks to the precision of the questions that aligned with the exam format. Although I felt that killexams.com emphasized some questions more than necessary, I remained organized and successfully completed the assignment.


Get Good Marks in little time for education.
The short answers provided by killexams.com made my preparation more convenient. I was able to complete 75 out of 80 questions well within the stipulated time and achieve a score of 80%. With their help, I hope to become a certified CDL specialist soon. I acquired their Questions and Answers guide just two weeks before the exam and it proved to be a valuable resource.


I were given CDL certified in 2 days practise.
killexams.com has become an essential resource in my life, especially because of the exam dump I used through their help. I passed the CDL exam thanks to the excellent analyzing material provided by killexams.com. Passing this exam is not easy, but with the right study material, it is achievable. I am immensely grateful for the access to such great material.


Can you agree with that every one CDL questions I had have been requested in real exam.
Preparing for the CDL exam can be a time-consuming and challenging task, especially when it comes to time management. However, killexams.com certification offers various time schedules and educational materials to help students prepare and complete their syllabus for the CDL practice exam. With killexams.com, it is possible to get an excellent score in the CDL practice exam and feel confident in your knowledge.


Certification-Board Commercial study tips

 

Tips for Choosing the Right Commercial Airline Pilot School for Your Goals

No result found, try new keyword!Look for Accreditation and Certification Accreditation ... for your career as an airline pilot. The post Tips for Choosing the Right Commercial Airline Pilot School for Your Goals appeared first ...

Class B commercial properties gain more from LEED certification than Class A buildings

Class B commercial properties gain more from LEED certification than Class A buildings

Green

The rent advantage over non-LEED is about three times larger than Class A, according to CBRE.

By Peter Fabris, Contributing Editor | December 18, 2023

Image by 👀 Mabel Amber, who will one day from Pixabay - Class B commercial properties gain more from LEED certification than Class A buildings Image by 👀 Mabel Amber, who will one day from Pixabay

Class B office properties that are LEED certified command a greater relative benefit than LEED-certified Class A buildings, according to analysis from CBRE.

The Class B LEED rent advantage over non-LEED is about three times larger than the premium earned by Class A LEED buildings. 

“Class B LEED properties have an average 180-basis point (bp) lower vacancy rate and a $9.18 per sq. ft. asking rent premium compared with non-LEED Class B properties,” CBRE says. “This is a wider delta than for the Class A cohort, where LEED buildings have a 160-bp lower average vacancy rate and a $3.75 per sq. ft. asking rent premium.”

The study focused on Boston because it has a significant number of LEED-certified buildings in the downtown area. One in three Class A buildings are certified in the city and one in 10 Class B buildings has this certification.

Average rent for 20,000 buildings studied was 31% higher for LEED structures than for non-certified buildings. Energy Star certification also boosted rents.

Sustainability | Dec 22, 2023 WSP unveils scenario-planning online game

WSP has released a scenario-planning online game to help organizations achieve sustainable development goals while expanding awareness about climate change.

Codes and Standards | Dec 18, 2023 ASHRAE releases guide on grid interactivity in the decarbonization process

A guide focusing on the critical role of grid interactivity in building decarbonization was recently published by ASHRAE. The Grid-Interactive Buildings for Decarbonization: Design and Operation Resource Guide provides information on maximizing carbon reduction through buildings’ interaction with the electric power grid.

75 Top Building Products | Dec 13, 2023 75 top building products for 2023

From a bladeless rooftop wind energy system, to a troffer light fixture with built-in continuous visible light disinfection, innovation is plentiful in Building Design+Construction's annual 75 Top Products report. 

Codes and Standards | Dec 11, 2023 Washington state tries new approach to phase out fossil fuels in new construction

After pausing a heat pump mandate earlier this year after a federal court overturned Berkeley, Calif.’s ban on gas appliances in new buildings, Washington state enacted a new code provision that seems poised to achieve the same goal.

Green | Dec 11, 2023 U.S. has tools to meet commercial building sector decarbonization goals early

The U.S. has the tools to reduce commercial building-related emissions to reach target goals in 2029, earlier than what it committed to when it signed the Paris Agreement, according to a report by the U.S. Green Building Council.

Industry Research | Dec 9, 2023 Two new reports provide guidance for choosing healthier building products

The authors, Perkins&Will and the Healthy Building Network, home in on drywall, flooring, and insulation.The authors, Perkins&Will and the Healthy Building Network, home in on drywall, flooring, and insulation.

University Buildings | Dec 8, 2023 Yale University breaks ground on nation's largest Living Building student housing complex

A groundbreaking on Oct. 11 kicked off a project aiming to construct the largest Living Building Challenge-certified residence on a university campus. The Living Village, a 45,000 sf home for Yale University Divinity School graduate students, “will make an ecological statement about the need to build in harmony with the natural world while training students to become ‘apostles of the environment’,” according to Bruner/Cott, which is leading the design team that includes Höweler + Yoon Architecture and Andropogon Associates.

Industrial Facilities | Nov 14, 2023 Some AEC firms are plugging into EV charging market

Decentralized electrical distribution is broadening recharger installation to several building types.

Sustainability | Nov 1, 2023 Researchers create building air leakage detection system using a camera in real time

Researchers at the U.S. Department of Energy’s Oak Ridge National Laboratory have developed a system that uses a camera to detect air leakage from buildings in real time.

Sustainability | Nov 1, 2023 Tool identifies financial incentives for decarbonizing heavy industry, transportation projects

Rocky Mountain Institute (RMI) has released a tool to identify financial incentives to help developers, industrial companies, and investors find financial incentives for heavy industry and transport projects.

WSP unveils scenario-planning online game

WSP has released a scenario-planning online game to help organizations achieve sustainable development goals while expanding awareness about climate change.

ASHRAE releases guide on grid interactivity in the decarbonization process

A guide focusing on the critical role of grid interactivity in building decarbonization was recently published by ASHRAE. The Grid-Interactive Buildings for Decarbonization: Design and Operation Resource Guide provides information on maximizing carbon reduction through buildings’ interaction with the electric power grid.

75 top building products for 2023

From a bladeless rooftop wind energy system, to a troffer light fixture with built-in continuous visible light disinfection, innovation is plentiful in Building Design+Construction's annual 75 Top Products report. 

Washington state tries new approach to phase out fossil fuels in new construction

After pausing a heat pump mandate earlier this year after a federal court overturned Berkeley, Calif.’s ban on gas appliances in new buildings, Washington state enacted a new code provision that seems poised to achieve the same goal.


Have a stressed-out student preparing for finals? Here are 3 study tips to help

No result found, try new keyword!Muchnick has three study tips to Strengthen performance and lower stress for students. worried about forgetting important facts or a tricky math formula? Try writing it down on the test as soon as a ...
 




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 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 exam simulator. Visit Their demo questions and demo brain dumps, their exam simulator and you will definitely know that killexams.com is the best brain dumps site.

Which is the best dumps website?
You bet, Killexams is 100 % legit as well as fully reliable. There are several includes that makes killexams.com authentic and reliable. It provides current and 100 % valid actual questions containing real exams questions and answers. Price is extremely low as compared to the vast majority of services online. The Questions and Answers are updated on standard basis along with most accurate brain dumps. Killexams account structure and solution delivery is rather fast. Record downloading is normally unlimited as well as fast. Support is avaiable via Livechat and Contact. These are the features that makes killexams.com a robust website that provide actual questions with real exams questions.



Is killexams.com test material dependable?
There are several Questions and 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 download sites or reseller sites. Thats why killexams.com update exam Questions and Answers with the same frequency as they are updated in Real Test. actual 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 exam Fast with improvement in your knowledge about latest course contents and courses of new syllabus, They recommend to download 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 and Answers will be provided in your download Account. You can download Premium actual 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.




NCIDQ-CID download | CCSP test prep | CTFL-PT practice questions | ADM-211 exam questions | CPAT exam results | HPE6-A71 actual questions | CBAF-001 exam questions | 300-725 cheat sheets | Salesforce-Marketing-Cloud-Developer certification demo | PSPO-II test questions | MHAP test questions | NSE5_FAZ-7.2 free pdf | M3-123 exam Questions | MS-721 english test questions | JN0-611 practice exam | SC0-451 study questions | CFE Dumps | 050-SEPROAUTH-01 free online test | CQE PDF download | 2B0-023 mock questions |


CDL - Commercial Drivers License exam Questions
CDL - Commercial Drivers License Free exam PDF
CDL - Commercial Drivers License guide
CDL - Commercial Drivers License learn
CDL - Commercial Drivers License PDF Download
CDL - Commercial Drivers License exam success
CDL - Commercial Drivers License braindumps
CDL - Commercial Drivers License study tips
CDL - Commercial Drivers License test
CDL - Commercial Drivers License exam format
CDL - Commercial Drivers License Latest Topics
CDL - Commercial Drivers License PDF Download
CDL - Commercial Drivers License real questions
CDL - Commercial Drivers License Questions and Answers
CDL - Commercial Drivers License Dumps
CDL - Commercial Drivers License test prep
CDL - Commercial Drivers License information source
CDL - Commercial Drivers License learn
CDL - Commercial Drivers License PDF Braindumps
CDL - Commercial Drivers License PDF Download
CDL - Commercial Drivers License exam dumps
CDL - Commercial Drivers License exam dumps
CDL - Commercial Drivers License techniques
CDL - Commercial Drivers License Question Bank
CDL - Commercial Drivers License course outline
CDL - Commercial Drivers License PDF Questions
CDL - Commercial Drivers License Question Bank
CDL - Commercial Drivers License genuine Questions
CDL - Commercial Drivers License exam format
CDL - Commercial Drivers License exam Questions
CDL - Commercial Drivers License exam syllabus
CDL - Commercial Drivers License learning
CDL - Commercial Drivers License study help
CDL - Commercial Drivers License teaching
CDL - Commercial Drivers License exam syllabus
CDL - Commercial Drivers License exam Questions
CDL - Commercial Drivers License learning
CDL - Commercial Drivers License exam Cram
CDL - Commercial Drivers License real questions
CDL - Commercial Drivers License book
CDL - Commercial Drivers License exam
CDL - Commercial Drivers License genuine Questions
CDL - Commercial Drivers License Test Prep
CDL - Commercial Drivers License exam Questions

Other Certification-Board exam Dumps


BCBA Latest Questions | MTEL question test | ISEE pass marks | NAB-NHA dumps questions | ABPN-VNE Question Bank | ICTS practice questions | ABFM download | CDL braindumps | FSOT Questions and Answers | STAAR exam Questions | BCB-Analyst Free PDF | CSLE mock exam | TCRN exam dumps | SBAC practice exam | DMV Practice Test | NRP mock questions | ABCTE exam dumps | NCC questions and answers | RACP boot camp | NLN-PAX test exam |


Best actual questions You Ever Experienced


MS-700 cbt | H19-301 practice test | OCN exam questions | HPE0-J69 free online test | ICTS questions answers | PTCB practice test | CPQ-211 english test questions | MD0-235 bootcamp | CABA questions and answers | Servicenow-CIS-VR brain dumps | SPLK-3003 PDF Braindumps | PCNSC boot camp | 1Y0-341 practice questions | 4A0-104 certification sample | D-PSC-DS-23 demo questions | ASIS-APP practice exam | BL00100-101-E assessment test sample | FSMC Dumps | 500-451 exam questions | QlikView-System-Administrator-Certification exam preparation |





References :


http://killexams-braindumps.blogspot.com/2020/06/once-you-memorize-these-cdl-latest.html
https://killexams-posting.dropmark.com/817438/23570870
https://www.instapaper.com/read/1316537652
https://killexams-posting.dropmark.com/817438/23763906
http://feeds.feedburner.com/Certification-boardCdlDumpsAndPracticeTestsWithRealQuestion
https://www.coursehero.com/file/67655090/Commercial-Drivers-License-CDLpdf/
https://sites.google.com/view/killexams-cdl-cheat-sheet
https://youtu.be/jJ0NVBWAryc
https://killexams-cdl.jimdofree.com/
http://killexamstestprep3.blogdigy.com/cdl-commercial-drivers-license-questions-and-answers-by-killexams-com-11452153
https://files.fm/f/k47y2banv



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






Direct Download

CDL 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.

CDL Reviews

100% Valid and Up to Date CDL 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