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 CHA?
Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der CHA: Certified Hotel Administrator (AHLEI CHA) 2024 Prüfung.
2024 Updated Actual CHA questions as experienced in Test Center
Aktuelle CHA Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz
Hospitality CHA : Certified Hotel Administrator (AHLEI CHA) 2024 Practice TestsPractice Tests Organized by Martin Hoax |
Latest 2024 Updated Hospitality Certified Hotel Administrator (AHLEI CHA) 2024 Syllabus
CHA dumps collection with Premium PDF and Test Engine
Practice Tests and Free VCE Software - Questions Updated on Daily Basis
Big Discount / Cheapest price & 100% Pass Guarantee
CHA dumps collection : Download 100% Free CHA practice exams (PDF and VCE)
Exam Number : CHA
Exam Name : Certified Hotel Administrator (AHLEI CHA) 2024
Vendor Name : Hospitality
Update : Click Here to Check Latest Update
Question Bank : Check Questions
All CHA Practice Questions questions are provided for download
Our main concern is not just to help you pass the CHA test on the first try, but to really Strengthen your knowledge and experience of the CHA test points. obtain their free CHA dumps to ensure that you understand CHA Pass Guides well, and then apply for a full copy of their CHA Q&A with VCE test simulator. Memorize the CHA PDF questions, practice with their VCE test simulator, and feel confident that you'll get a high score in the actual CHA exam.
If you want to pass the Hospitality CHA test and land a high-paying job, you can obtain the latest and updated ACTUAL EXAM QUESTIONS by registering at killexams.com with exclusive discounts. A team of experts is collecting real CHA test questions, and you will receive Certified Hotel Administrator (AHLEI CHA) 2024 test queries to ensure you pass the CHA exam. You can obtain updated CHA test questions with a 100% refund guarantee. Some companies offer CHA Practice Questions, but it's essential to get valid and latest 2024 current CHA Free test PDF. Think twice before relying on free dumps available on the internet.
To pass the Hospitality CHA exam, you need to clear your concepts about the course outline, Certified Hotel Administrator (AHLEI CHA) 2024 syllabus, and test objectives. Just memorizing the CHA coursebook isn't enough. You must understand the tricky questions asked in the actual CHA exam. Head to killexams.com and obtain free CHA Free PDF sample questions to read. If you think you can memorize these CHA questions, you can enroll in downloading Free test PDF for CHA Practice Test. That will be your first step towards success. Install the VCE test simulator on your computer, study and memorize CHA Practice Test, and take practice exams frequently with the VCE test simulator. When you feel ready for the actual CHA exam, go to the Test Center and register.
You can copy CHA Practice Questions PDF to any device to study and memorize the actual CHA questions while on vacation or traveling. This will save you a lot of time, and you'll have more time to study CHA questions. Practice CHA Practice Test with the VCE test simulator until you get 100% marks. When you feel confident, head straight to the Test Center for the actual CHA exam.
CHA test Format | CHA Course Contents | CHA Course Outline | CHA test Syllabus | CHA test Objectives
General managers and hospitality executives provide leadership to every level of a hospitality operation. They establish the vision and lead their staff in executing it. Their dedication to the hospitality industry is evident in the way they seek out continuing education, manage their employees, and ensure the financial success of the property. The Certified Hotel Administrator is a prestigious certification that recognizes these leadership and managerial skills.
The CHA has been reformatted to be more convenient for you as a busy hospitality executive. Program features include:
Review material on the go. You can obtain program content to your computer, mobile device or tablet for offline reading.
A new section on revenue management
Content organized by Topic in a modular format that makes it easy to review material in any order
A practice quiz with each module that can be taken as many times as needed
A new certification test format where you can take questions at the end of each module rather than having to take one comprehensive final exam.
You can earn the CHA designation if you have been employed for two years (and are currently employed) in one of these qualifying positions:
General manager, owner/operator in a lodging hospitality company, or corporate executive* at a lodging hospitality company responsible for the operation of two or more properties
Assistant general manager or director of operations/rooms division (after successfully completing the CRDE certification)
Candidate Time in Position: 2 years.
The time in position requirement can be reduced by one year by meeting the following conditions:
One current AHLEI department head certification (limit 1)
A degree from an accredited academic institution (limit 1)
* A corporate executive is defined as an individual, employed by a firm responsible for the operation of two or more properties, who serves as a regional or corporate director of operations, or has ultimate corporate responsibility for rooms, marketing, finance, food and beverage, revenue management, human resources or engineering.
How to Apply
Access the online application
Have the following documents available to upload:
Current Resume
Job Description
Employment Verification Form (signed by your immediate supervisor)
Copy of diploma or transcripts
Once AHLEI has reviewed your application, you will receive an email accepting you into the program. That email will contain a link where you can order the CHA review online and pay the program fee.
Resource Materials
The Certified Hotel Administrator review program is a self-paced online program that helps you prepare for the CHA certification exam. You can access it online or obtain the content into a mobile device, tablet or computer.
The program is segmented by modules with subjects including:
Financial Management
Food and Beverage Management
Human Resources
Leadership
Marketing and Sales
Revenue Management
Rooms Management
You can focus on one area at a time in any order. Each module includes a practice quiz that you can take as many times as you wish before attempting to take any final sections of the certification exam.
Review Session
You can participate in an informally led review workshop and then take the CHA exam.
Review classes and test sessions are open to any CHA candidate unless otherwise stated.
Typically a review session begins at 8 a.m. and ends at noon. After a break for lunch, you can take a proctored exam. All review classes and test sessions are subject to change without notice. Some review sessions may require a nominal registration fee payable to the sponsoring organization.
Exam
The final CHA certification test is broken down by sections at the end of each module. Each section of the final test has 35 questions that you are allowed 35 minutes to complete. To pass, you must achieve 70 percent or higher on each segment. You have two attempts to pass each section of the final certification exam. If you do not achieve a passing score, you can purchase two additional retakes for $100 per section.
Killexams Review | Reputation | Testimonials | Feedback
Take advantage of the Q&A to ensure your success.
I failed my CHA test twice despite trying to prepare using books. A great buddy of mine then recommended the query & Answers from killexams.com, and it worked wonderfully! The content was excellent and easy to understand, and I was able to cram it and answer the questions in just 180 minutes. Thanks to killexams.com, I passed the exam, and I am now elated.
I found all CHA questions in the updated practice exams that I read.
Enrolling in killexams.com was an opportunity for me to pass the CHA test and tackle its difficult questions. If it weren't for this website, I would not have been able to pass the exam. After failing once, I was shattered, but finding this website made the process much smoother.
What study guide do I need to pass the CHA exam?
In my pursuit of certification for the CHA exam, I chose to use killexams.com's questions and answers. Their material was exceptionally well-organized, and I found it particularly useful for subjects such as statistics gathering and desires in the CHA exam. I completed all the questions in nearly an hour and 20 minutes, receiving a score of 89. I extend my sincere thanks to killexams for their invaluable help.
I feel very confident with the CHA test bank.
Thanks to killexams.com, I saved time and money, and without their Questions and Answers, I would have failed the CHA exam. I was confused about some questions, so I had to guess, but I should have studied and focused on the questions more carefully. Nonetheless, I am happy to have passed the exam.
These CHA Q&A work in the real exam.
killexams.com is the best site for anyone looking to achieve their dreams. Their study material is top-notch, and I was able to score the best marks in the CHA test with their help. I found it easy to face the test with the assistance of their material, and I cannot thank them enough for their great work. Keep it up, guys!
Hospitality CHA) Study Guide
CHA Exam
User: Tatianna***** As someone working in an IT firm, I often struggle to find time to prepare for exams such as cha. However, I found killexams.com Q&A practice exams to be extremely helpful. I was surprised at how quickly I was able to solve all of the questions, thanks to the easy-to-use reference guide. I was delighted to secure a score of 939, which exceeded my expectations. Thank you, Killexams! |
User: Rubal***** I am very satisfied with the cha Q&A provided by Killexams.com, as it helped me significantly during the exam. I plan to use their materials for other Hospitality certifications in the future. |
User: Zoria***** I am thrilled with my CHA test results and owe my success to Killexams.com. Their preparation materials were helpful and provided me with the skills and knowledge necessary to pass the test without trouble. I cannot thank them enough for their assistance. |
User: Ali***** I am thrilled to share that I passed my CHA test without any problems, and I want to thank killexams.com for their generous and helpful guidance. Their coaching materials and test simulator are up-to-date and cover the whole exam. I highly recommend their services to anyone preparing for the CHA exam. |
User: Nadege***** As an IT professional, I find it challenging to prepare for the cha certification test due to my busy work schedule. However, Killexams.com Q&A practice exams helped me prepare for the exam. I was surprised by how quickly I was able to complete all the questions. The questions were straightforward, and the reference guide was excellent. I scored 939 marks on the cha certification exam, which was a great achievement for me. I am grateful to Killexams.com for their support. |
CHA Exam
Question: Where can I find test prep for good knowledge of CHA exam? Answer: Killexams.com provides the latest syllabus of CHA exams to Strengthen your knowledge about the CHA exam. You can visit the CHA test page at killexams and get the information about the latest syllabus, course contents, CHA test objectives, and test Details. You can obtain the latest CHA VCE test by registering for the full version of the exam. |
Question: Which is the best and up to date test prep provider? Answer: Killexams.com is the best CHA actual questions provider. Killexams CHA dumps collection contains the latest, up to date and 100% valid CHA dumps collection with the new syllabus. Killexams has provided the shortest CHA questions for busy people to pass CHA test without memorizing massive course books. If you go through these CHA questions, you are more than ready to take the test. They recommend taking your time to study and practice CHA VCE test until you are sure that you can answer all the questions that will be asked in the actual CHA exam. For a full version of CHA test prep, visit killexams.com and register to obtain the complete dumps collection of CHA test test prep. These CHA test questions are taken from actual test sources, that's why these CHA 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 CHA questions are sufficient to pass the exam. |
Question: I want to pass CHA test fast, What must I do? Answer: Yes, you can pass your test within the shortest possible time. If you are free and you have more time to study, you can prepare for an test even in 24 hours. But they recommend taking your time to study and practice CHA VCE test until you are sure that you can answer all the questions that will be asked in the actual CHA exam. Visit killexams.com and register to obtain the complete dumps collection of CHA test test prep. These CHA test questions are taken from actual test sources, that's why these CHA 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 CHA questions are sufficient to pass the exam. |
Question: Are these questions/answers of CHA legal? Answer: As far as legality is concerned, it is your right to use any book or questions to Strengthen your knowledge. These CHA Q&A are to the point knowledge source about the test topics. |
Question: Do you recommend me totry these CHA actual questions and study guide? Answer: Yes, of course. They recommend you go through these CHA test questions before you take the actual test. These Q&As will help you greatly in passing your test with good marks. |
https://www.pass4surez.com/art/read.php?keyword=Hospitality+CHA%29+Study+Guide&lang=us&links=remove
Whilst it is very hard task to choose reliable test Q&A resources regarding review, reputation and validity because people get ripoff due to choosing incorrect service. Killexams make it sure to provide its clients far better to their resources with respect to ACTUAL EXAM QUESTIONS update and validity. Most of other peoples ripoff report complaint clients come to us for the brain dumps and pass their exams enjoyably and easily. They never compromise on their review, reputation and quality because killexams review, killexams reputation and killexams client self confidence is important to all of us. Specially they manage killexams.com review, killexams.com reputation, killexams.com ripoff report complaint, killexams.com trust, killexams.com validity, killexams.com report and killexams scam. If perhaps you see any bogus report posted by their competitor with the name killexams ripoff report complaint internet, killexams.com ripoff report, killexams.com 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 a large number of satisfied customers that pass their exams using killexams.com brain dumps, killexams PDF questions, killexams practice questions, killexams test simulator. Visit their test questions and sample 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 completely legit along with fully reputable. There are several attributes that makes killexams.com authentic and straight. It provides up to par and completely valid test questions formulated with real exams questions and answers. Price is extremely low as compared to almost all of the services on internet. The Q&A are modified on common basis using most recent questions. Killexams account structure and product delivery is very fast. Submit downloading will be unlimited and incredibly fast. Support is avaiable via Livechat and Contact. These are the features that makes killexams.com a strong website offering test prep with real exams questions.
Is killexams.com test material dependable?
There are several Q&A provider in the market claiming that they provide actual 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 2024 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 Q&A 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 dumps collection 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 subjects of new syllabus, They recommend to obtain PDF test 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 Q&A will be provided in your obtain Account. You can obtain Premium VCE test files as many times as you want, There is no limit.
Killexams.com has provided VCE VCE 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 actual Test. Go register for Test in Test Center and Enjoy your Success.
8006 study guide | AHM-540 test Questions | C1000-083 pdf questions | 3312 practice test | HPE0-S22 Q&A | 4A0-114 mock test | 1Y0-204 practice questions | CTAL-TTA-001 test answers | 850-001 practice questions | CRT-450 bootcamp | Magento-Certified-Professional-Cloud-Developer online test | H11-861-ENU training material | FORKLIFT Real test Questions | BL0-100 pass test | A30-327 test Questions | BONENT-CHBT cbt | PL-100 test test | AEPA VCE test | WHNP test prep questions | C1000-110 free VCE test |
CHA - Certified Hotel Administrator (AHLEI CHA) 2024 guide
CHA - Certified Hotel Administrator (AHLEI CHA) 2024 premium pdf
CHA - Certified Hotel Administrator (AHLEI CHA) 2024 test help
CHA - Certified Hotel Administrator (AHLEI CHA) 2024 Real test Questions
CHA - Certified Hotel Administrator (AHLEI CHA) 2024 Practice Test
CHA - Certified Hotel Administrator (AHLEI CHA) 2024 test
CHA - Certified Hotel Administrator (AHLEI CHA) 2024 learning
CHA - Certified Hotel Administrator (AHLEI CHA) 2024 teaching
CHA - Certified Hotel Administrator (AHLEI CHA) 2024 test syllabus
CHA - Certified Hotel Administrator (AHLEI CHA) 2024 cheat sheet
CHA - Certified Hotel Administrator (AHLEI CHA) 2024 test questions
CHA - Certified Hotel Administrator (AHLEI CHA) 2024 Question Bank
CHA - Certified Hotel Administrator (AHLEI CHA) 2024 Latest Questions
CHA - Certified Hotel Administrator (AHLEI CHA) 2024 test syllabus
CHA - Certified Hotel Administrator (AHLEI CHA) 2024 test syllabus
CHA - Certified Hotel Administrator (AHLEI CHA) 2024 real questions
CHA - Certified Hotel Administrator (AHLEI CHA) 2024 techniques
CHA - Certified Hotel Administrator (AHLEI CHA) 2024 study tips
CHA - Certified Hotel Administrator (AHLEI CHA) 2024 Latest Questions
CHA - Certified Hotel Administrator (AHLEI CHA) 2024 test help
CHA - Certified Hotel Administrator (AHLEI CHA) 2024 test syllabus
CHA - Certified Hotel Administrator (AHLEI CHA) 2024 testprep
CHA - Certified Hotel Administrator (AHLEI CHA) 2024 techniques
CHA - Certified Hotel Administrator (AHLEI CHA) 2024 testing
CHA - Certified Hotel Administrator (AHLEI CHA) 2024 Question Bank
CHA - Certified Hotel Administrator (AHLEI CHA) 2024 testing
CHA - Certified Hotel Administrator (AHLEI CHA) 2024 test format
CHA - Certified Hotel Administrator (AHLEI CHA) 2024 test Questions
CHA - Certified Hotel Administrator (AHLEI CHA) 2024 cheat sheet
CHA - Certified Hotel Administrator (AHLEI CHA) 2024 test questions
CHA - Certified Hotel Administrator (AHLEI CHA) 2024 guide
CHA - Certified Hotel Administrator (AHLEI CHA) 2024 test
CHA - Certified Hotel Administrator (AHLEI CHA) 2024 Latest Topics
CHA - Certified Hotel Administrator (AHLEI CHA) 2024 Latest Questions
CHA - Certified Hotel Administrator (AHLEI CHA) 2024 PDF Download
CHA - Certified Hotel Administrator (AHLEI CHA) 2024 study help
CHA - Certified Hotel Administrator (AHLEI CHA) 2024 test Questions
CHA - Certified Hotel Administrator (AHLEI CHA) 2024 test format
CHA - Certified Hotel Administrator (AHLEI CHA) 2024 test Questions
CHA - Certified Hotel Administrator (AHLEI CHA) 2024 test questions
CHA - Certified Hotel Administrator (AHLEI CHA) 2024 actual Questions
CHA - Certified Hotel Administrator (AHLEI CHA) 2024 learn
CHA - Certified Hotel Administrator (AHLEI CHA) 2024 actual Questions
CHA - Certified Hotel Administrator (AHLEI CHA) 2024 education
Other Hospitality Practice Tests
CHA PDF Download | CHHE Latest Topics |
Best practice exams You Ever Experienced
WorkKeys test prep | 3V0-21.21 PDF Download | CLEP Study Guide | NLN-PAX Free PDF | MB-300 test Questions | OCN examcollection | AZ-104 pdf study guide | PCCE practice questions | CMSRN free test papers | MOFF-EN questions answers | NCCT-TSC test cram | SOFE-CFE pass marks | 300-100 test prep | PEGAPCDS87V1 free questions | DEA-5TT2 assessment test sample | ISFS practice exam | 74970X download | SABE201 Free test PDF | 1D0-735 mock test | Salesforce-Certified-Identity-and-Access-Management-Designer test Questions |
References :
https://killexams-posting.dropmark.com/817438/23586753
http://killexams-braindumps.blogspot.com/2020/06/get-ready-to-download-cha-cheatsheet.html
https://www.instapaper.com/read/1323681418
http://encodinghub.com/boostseo/story.php?title=killexams-cha-real-questions-%7C-pass4sure-cha-exam-dumps
https://sites.google.com/view/killexams-cha-exam-dumps
http://feeds.feedburner.com/killexams/snSy
http://killexams1.isblog.net/cha-certified-hotel-administrator-cha-real-exam-questions-and-answers-by-killexams-com-14558146
https://files.fm/f/q46bampr2
Similar Websites :
Pass4sure Certification test Practice Tests
Pass4Sure Certification Question Bank
CHA 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 CHA 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