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 CFP?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der CFP: Certified Financial Planner 2024 Prüfung.

2024 Updated Actual CFP questions as experienced in Test Center

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

Financial CFP : Certified Financial Planner 2024 Practice Tests

Practice Tests Organized by Richard



Latest 2024 Updated Financial Certified Financial Planner 2024 Syllabus
CFP question bank with Premium PDF and Test Engine

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




CFP question bank : Download 100% Free CFP practice exams (PDF and VCE)

Exam Number : CFP
Exam Name : Certified Financial Planner 2024
Vendor Name : Financial
Update : Click Here to Check Latest Update
Question Bank : Check Questions

Do not miss CFP Cram Guide with Test Prep
Passing the killexams.com Certified Financial Planner 2024 exam is entirely easy with CFP Exam Questions. All you need to do is register on the killexams website, choose the CFP exam from the list, and apply. There is a small fee for that. get CFP Mock Questions and Question Bank. Read and memorize CFP TestPrep from the PDF file. Practice with the VCE software and take the actual CFP test. That's all it takes!

To succeed in the Financial CFP exam, it's not enough to just read the course guide. At killexams.com, they offer free PDF demo questions to help you practice with real Certified Financial Planner 2024 questions and scenarios. Once you're comfortable with their material, you can register to get the complete version of CFP Mock Exam at attractive discounts. This is your first step toward success in the Certified Financial Planner 2024 exam.

To further boost your knowledge, install their CFP VCE exam simulator on your computer and practice regularly with their CFP Pass Guides and practice tests. When you feel ready for the actual CFP exam, register at a Test Center and take the real test. Their approach is not just focused on passing the CFP exam with their questions and answers, but also on improving your understanding of CFP concepts and goals.

We're proud to say that many individuals have used their resources to pass the CFP exam and are now working in their respective companies in good positions and earning well. They're not just successful because they read their CFP Mock Questions, but because they gained the knowledge and skills to operate in a real professional environment. Let us help you become successful too.







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


- Professional Conduct and Regulation (8%)
- General Principles of Financial Planning (15%)
- Risk Management and Insurance Planning (11%)
- Investment Planning (17%)
- Tax Planning (14%)
- Retirement Savings and Income Planning (18%)
- Estate Planning (10%)
- Psychology of Financial Planning (7%)


- Professional Conduct and Regulation
- CFP Boards Code of Ethics and Standards of Conduct
- CFP Boards Procedural Rules
- Function, purpose, and general structure of financial institutions
- Financial services regulations and requirements
- Consumer protection laws
- Fiduciary standard and application

- General Principles of Financial Planning
- Financial planning process
- Financial statements
- Cash flow management
- Financing strategies and debt management
- Economic concepts
- Time value of money concepts and calculations
- Education needs analysis
- Education savings vehicles
- Education funding
- Gift/income tax strategies

- Risk Management and Insurance Planning
- Principles of risk and insurance
- Analysis and evaluation of risk exposures
- Health insurance and health care cost management (individual and group)
- Disability income insurance (individual and group)
- Long-term insurance and long-term case planning (individual and group)
- Qualified and Non-Qualified Annuities
- Life insurance (individual and group)
- Business owner insurance solutions
- Insurance needs analysis
- Insurance policy and company selection

- Investment Planning
- Characteristics, uses and taxation of investment vehicles
- Types of investment risk
- Market cycles
- Quantitative investment concepts and measures of investment returns
- Asset allocation and portfolio diversification
- Bond and stock valuation concepts
- Portfolio development and analysis
- Investment strategies
- Alternative investments and liquidity risk

- Tax Planning
- Fundamental and current tax law
- Income tax fundamentals and calculations
- Characteristics and income taxation of business entities
- Income taxation of trusts and estates
- Tax reduction/management techniques
- Tax consequences of property transactions
- Tax implications of special circumstances
- Charitable/philanthropic contributions and deductions

- Retirement Savings and Income Planning
- Retirement needs analysis
- Social Security and Medicare planning
- Eldercare and special needs planning
- Types of retirement plans
- Qualified plan rules and options
- Non-qualified plan rules and options
- Key factors affecting plan selection for businesses
- Distribution rules and taxation
- Retirement income and distribution strategies
- Business succession planning

- Estate Planning
- Property titling and beneficiary designations
- Strategies to transfer property
- Estate and incapacity planning documents
- Gift, estate, and GST tax compliance and calculation
- Sources for estate liquidity
- Types, features, and taxation of trusts
- Marital deduction
- Intra-family and other business transfer techniques
- Postmortem estate planning techniques
- Planning for divorce, unmarried couples and other special circumstances
- Planning for special needs and circumstances

- Psychology of Financial Planning
- Client and planner attitudes, values, biases
- Behavioral finance
- Sources of money conflict
- Principles of counseling
- General principles of effective communication
- Crisis events with severe consequences



Killexams Review | Reputation | Testimonials | Feedback


Take a smart step and obtain these CFP questions and answers.
Thanks to killexams.com, I passed my CFP exam on my first attempt with a score of 98%. Their case studies and material were correct and helpful. The only improvement I would suggest is adding a timer to the practice test. Thanks again, killexams.com.


Did you attempt this great source of actual CFP questions?
I highly recommend Killexams.com to all students who plan to take the CFP exam. This exam preparation is better than any book, as it provides authentic questions that are similar to those you will face in the actual exam. The questions are relevant and informative, without any unnecessary or irrelevant content. My friends and I had an excellent experience with Killexams, and they are confident in recommending it to their peers.


Actual CFP questions and accurate answers! It justifies the cost.
I became CFP certified last week, and this professional path is very exciting. If you are still considering it, make sure you get Questions and Answers to prepare for the CFP exam. It's a massive time saver, and you get precisely what you need to recognize for the CFP exam. That's why I selected it, and I never looked back.


Do you need actual Questions and Answers for the CFP exam to pass?
I made a quick decision to use killexams.com's practice exams as my test partner for the CFP exam. I was ecstatic to see the questions on display, as they were like copied questions from killexams.com practice test. This helped me pass with a 97% score in only 65 minutes.


Try out these real latest CFP practice tests.
Although I missed a couple of questions, I was still able to pass the CFP exam and answer 43 out of 50 questions. I found that learning from killexams.com Questions and Answers was enough to help me pass the exam. The pack was 100% faithful, and many of the questions were identical to those on the actual exam.


Financial Certified PDF Questions

CFP Exam

User: Tanja*****

Whenever I want to pass my certification exam to keep my job, I immediately visit Killexams.com and search for the required certification test, purchase, and prepare for the exam. It is definitely worth admiring because I usually pass the test with excellent scores.
User: Martha*****

Overall, killexams.com proved to be a great way for me to prepare for the cfp exam, and I passed. However, I was a bit disappointed that all the questions in the exam were not 100% similar to what killexams.com provided. Over 70% had been equal, and the rest were very comparable. I am not sure if this is a good thing or not, but I managed to pass, and that is what matters. Nonetheless, I want to remind everyone that despite using killexams.com, you still need to study and use your brain.
User: Norbert Clown*****

Without killexams CFP practice tests, questions, and answers, I would have failed the exam and wasted time and money. Although I was panic about a few questions, it was my fault for not memorizing and listening better. Nevertheless, I passed the CFP exam with great scores, thanks to their help.
User: Lucy*****

I cannot thank killexams.com enough for helping me score high on the CFP exam, which I was extremely anxious about. With the assistance of their reliable materials, I was able to pass the exam with ease and encourage other students to use their resources for their educational needs.
User: Abdallah*****

Thanks to Killexams.com, I passed the Financial cfp exam with a 99% score. Even though I had studied all the chapters, the Questions and Answers provided sufficient training, and my doubts were cleared in no time. I plan to use their services again in the future and highly recommend them to anyone taking the Financial cfp exam.

CFP Exam

Question: Can I practice with VCE on my computer?
Answer: Of course, you can Install Killexams exam Simulator on your computer with Windows operating system. You can follow the steps provide at https://killexams.com/exam-simulator-installation.html to install and open the exam simulator on your computer. The exam simulator is used to practice exam questions and answers.
Question: What are the core syllabus of CFP exam?
Answer: Complete CFP exam objectives and syllabus information is provided at killexams.com at CFP exam page. CFP Syllabus, CFP Course Contents, CFP exam Objective, and other exam information are provided on the CFP exam page. It will greatly help you to go through complete course contents and register at killexams to get the full version of CFP dumps.
Question: Is there a person who passed CFP exam, I want to read testimonials?
Answer: Of course, you can go through the remarks and reviews of people about the CFP exam. You can go to CFP exam page at killexams.com by clicking https://killexams.com/pass4sure/exam-detail/CFP and go to the page bottom to see testimonials. Several people pass their exams with their CFP dumps.
Question: What will I do if my killexams account expires?
Answer: You should contact support to get a discount coupon for an account extension. You can extend your account at a very cheap price. The extension could be for 3 months, 6 months, or 1 year. If you like to extend for a single month, you can get it at the cheapest price.
Question: Where should I contact in case of any issue with exam?
Answer: First, you should visit the FAQ section at https://killexams.com/faq to see if your issue has been addressed or not. If you do not find your answer, you can contact support via email or live chat for assistance.
Financial+Certified+PDF+Questions
https://www.pass4surez.com/art/read.php?keyword=Financial+Certified+PDF+Questions&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 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 practice exams website?
Absolutely yes, Killexams is 100% legit in addition to fully reliable. There are several options that makes killexams.com genuine and genuine. It provides up to date and 100% valid exam questions comprising real exams questions and answers. Price is minimal as compared to the vast majority of services online. The Questions and Answers are current on ordinary basis through most exact questions. Killexams account structure and device delivery is really fast. Report downloading is certainly unlimited as well as fast. Support is avaiable via Livechat and Electronic mail. These are the features that makes killexams.com a sturdy website offering exam prep with real exams questions.



Is killexams.com test material dependable?
There are several Questions and Answers provider in the market claiming that they provide actual 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 and 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 question bank 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 syllabus of new syllabus, They recommend to get PDF exam Questions from killexams.com and get ready for actual 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 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 actual Test. Go register for Test in Test Center and Enjoy your Success.




CGRN Latest syllabus | SSAT study guide | AGCNS-BC free questions | AHN-BC test prep | BEC practice questions | 922-080 study guide | NLN-PAX demo test questions | CPIM-MPR study questions | CDMP pdf get | 2V0-31.21 Latest Questions | VA-002-P free online test | GRE-Verbal english test questions | NBRC test questions | LE0-641 practice exam | MB-260 demo test | Okta-Certified-Consultant pass marks | OGBA-101 exam results | 1T6-323 model question | ABPN-VNE mock test | Nonprofit-Cloud-Consultant past exams |


CFP - Certified Financial Planner 2024 study help
CFP - Certified Financial Planner 2024 exam Questions
CFP - Certified Financial Planner 2024 PDF download
CFP - Certified Financial Planner 2024 education
CFP - Certified Financial Planner 2024 Question Bank
CFP - Certified Financial Planner 2024 questions
CFP - Certified Financial Planner 2024 exam
CFP - Certified Financial Planner 2024 Premium PDF
CFP - Certified Financial Planner 2024 exam Questions
CFP - Certified Financial Planner 2024 Free PDF
CFP - Certified Financial Planner 2024 exam success
CFP - Certified Financial Planner 2024 practice tests
CFP - Certified Financial Planner 2024 testing
CFP - Certified Financial Planner 2024 Test Prep
CFP - Certified Financial Planner 2024 information source
CFP - Certified Financial Planner 2024 cheat sheet
CFP - Certified Financial Planner 2024 Real exam Questions
CFP - Certified Financial Planner 2024 Question Bank
CFP - Certified Financial Planner 2024 Practice Questions
CFP - Certified Financial Planner 2024 cheat sheet
CFP - Certified Financial Planner 2024 exam Questions
CFP - Certified Financial Planner 2024 outline
CFP - Certified Financial Planner 2024 test prep
CFP - Certified Financial Planner 2024 information source
CFP - Certified Financial Planner 2024 boot camp
CFP - Certified Financial Planner 2024 exam cram
CFP - Certified Financial Planner 2024 test prep
CFP - Certified Financial Planner 2024 learning
CFP - Certified Financial Planner 2024 exam Questions
CFP - Certified Financial Planner 2024 testprep
CFP - Certified Financial Planner 2024 exam Questions
CFP - Certified Financial Planner 2024 PDF Download
CFP - Certified Financial Planner 2024 exam Questions
CFP - Certified Financial Planner 2024 test
CFP - Certified Financial Planner 2024 PDF Download
CFP - Certified Financial Planner 2024 premium pdf
CFP - Certified Financial Planner 2024 exam
CFP - Certified Financial Planner 2024 PDF Questions
CFP - Certified Financial Planner 2024 study help
CFP - Certified Financial Planner 2024 boot camp
CFP - Certified Financial Planner 2024 exam Questions
CFP - Certified Financial Planner 2024 cheat sheet
CFP - Certified Financial Planner 2024 testprep
CFP - Certified Financial Planner 2024 exam help

Other Financial Practice Tests


CHFP practice exam | CTFA download | AngularJS free questions | CABM pdf study guide | CPEA exam Questions | CGAP free exam papers | CFP cram | CMAA exam prep | CMA questions and answers | CBM boot camp | CPCM pdf exam | CEMAP-2 pass marks | CITP study guide | CGFM exam Cram | AFE practice test | CVA Practice Test | SOFE-CFE PDF Download | CEMAP-1 VCE | AVA study guide | CPFO exam results |


Best practice exams You Ever Experienced


ABPANC-CAPA cbt | CBCP pdf download | ACMA-6.4 question test | Salesforce-nCino-201 mock exam | NS0-516 exam Questions | HPE6-A82 practice exam | CPQ-211 test prep questions | C1000-101 free questions | CBDE study guide | PL-600 practice questions | PL-900 pass exam | CTFA demo questions | 202-450 Latest Topics | IAAP-CPACC PDF Download | 200-500 exam prep | NCCHC-CCHP english test questions | BONENT-CHN free online test | NCSE-Level-1 exam cram | HPE2-W07 test practice | CIMAPRA19-F03-1-ENG writing test questions |





References :


https://www.instapaper.com/read/1321517675
http://killexams-braindumps.blogspot.com/2020/07/pass-cfp-exam-in-1-day-with-these-real.html
https://youtu.be/5NA-jTvQn14
http://feeds.feedburner.com/IndividualsUtilizedTheseVmwareDumpsToGet100Marks
http://killexamsbraindumps.isblog.net/cfp-certified-financial-planner-cfp-level-1-updated-cheet-sheet-by-killexams-com-14549267
https://sites.google.com/view/killexams-cfp-exam-dumps
https://files.fm/f/s7a7p9cnc
https://drp.mk/i/RJx2H22dw



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






Direct Download

CFP 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.

CFP Reviews

100% Valid and Up to Date CFP 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