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 CIA-I?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der CIA-I: Certified Internal Auditor (CIA) Prüfung.

2024 Updated Actual CIA-I questions as experienced in Test Center

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

CIA-I ACTUAL EXAM QUESTIONS - Certified Internal Auditor (CIA) | https://www.easyfinanz.cc/

Financial CIA-I : Certified Internal Auditor (CIA) ACTUAL EXAM QUESTIONS

Exam Dumps Organized by Shahid nazir



Latest 2024 Updated Financial Certified Internal Auditor (CIA) Syllabus
CIA-I ACTUAL EXAM QUESTIONS / Braindumps contains real test Questions

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




CIA-I Test Center Questions : Download 100% Free CIA-I ACTUAL EXAM QUESTIONS (PDF and VCE)

Exam Number : CIA-I
Exam Name : Certified Internal Auditor (CIA)
Vendor Name : Financial
Update : Click Here to Check Latest Update
Question Bank : Check Questions

Daily updated Pass4sure CIA-I Test Prep
At killexams.com, they offer you the opportunity to get 100% free CIA-I Exam dumps to test before registering for the full version. Use their CIA-I test simulator to experience the real CIA-I Question Bank. Passing the CIA-I test will become much easier for you. They also offer three months of free updates for CIA-I Certified Internal Auditor (CIA) test questions.

Our PDF dumps have helped many competitors breeze through the CIA-I test with ease. It is extremely rare for their users to study their CIA-I materials and receive poor scores or fail the real test. In fact, most competitors report a significant improvement in their knowledge and pass the CIA-I test on their first attempt. Their CIA-I materials not only help you pass the test but also Improve your understanding of the test objectives and topics, allowing you to excel in your role as an expert in your field. This is why their clients trust us and recommend their CIA-I materials to others.

To successfully pass the Financial CIA-I test, you need to have a clear understanding of the course outline, test syllabus, and objectives. Simply practicing the CIA-I coursebook is not enough. You need to familiarize yourself with the unique questions asked in the real CIA-I tests. For this, you should visit killexams.com and get their Free CIA-I demo test questions. Once you are confident in your ability to recall these CIA-I questions, you can enroll to get the complete PDF Download of CIA-I Exam Braindumps. This will be your first major step towards success. After downloading and installing the VCE test simulator on your computer, study and memorize their CIA-I Exam Braindumps and take regular practice questions with the VCE test simulator. When you feel that you are ready for the real CIA-I test, visit the testing center and register for the real exam.







CIA-I test Format | CIA-I Course Contents | CIA-I Course Outline | CIA-I test Syllabus | CIA-I test Objectives


Part 1 – Essentials of Internal Auditing

125 questions I 2.5 hours (150 minutes)



The CIA test Part 1 is well aligned with The IIAs International Professional Practices Framework (IPPF) and includes six domains covering the foundation of internal auditing; independence and objectivity; proficiency and due professional care; quality assurance and improvement programs; governance, risk management, and control; and fraud risk. Part one tests candidates knowledge, skills, and abilities related to the International Standards for the Professional Practice of Internal Auditing, particularly the Attribute Standards (series 1000, 1100, 1200, and 1300) as well as Performance Standard 2100.



Part 2 – Practice of Internal Auditing

100 questions I 2.0 hours (120 minutes)



The CIA test Part 2 includes four domains focused on managing the internal audit activity, planning the engagement, performing the engagement, and communicating engagement results and monitoring progress. Part 2 tests candidates knowledge, skills, and abilities particularly related to Performance Standards (series 2000, 2200, 2300, 2400, 2500, and 2600) and current internal audit practices.



Part 3 – Business Knowledge for Internal Auditing

100 questions I 2.0 hours (120 minutes)



The CIA test Part 3 includes four domains focused on business acumen, information security, information technology, and financial management. Part Three is designed to test candidates knowledge, skills, and abilities particularly as they relate to these core business concepts.



CIA test Development and Scoring

The CIA test is developed following best practices with the support of experts and professionals. Learn more about the test development process and how exams are scored.



The revised CIA test Part 1 is well aligned with The IIAs International Professional Practices Framework (IPPF) and includes six domains covering the foundation of internal auditing; independence and objectivity; proficiency and due professional care; quality assurance and improvement programs; governance, risk management, and control; and fraud risk. Part One tests candidates knowledge, skills, and abilities related to the International Standards for the Professional Practice of Internal Auditing, particularly the Attribute Standards (series 1000, 1100, 1200, and 1300) as well as Performance Standard 2100.​


Domains Collapse All

I. Foundations of Internal Auditing (15%)

​ ​ ​Cognitive Level

A​ ​​Interpret The IIA's Mission of Internal Audit, Definition of Internal Auditing, and Core Principles for the Professional Practice of Internal Auditing, and the purpose, authority, and responsibility of the internal audit activity Proficient

​B ​Explain the requirements of an internal audit charter (required components, board approval, communication of the charter, etc.) Basic

​C ​Interpret the difference between assurance and consulting services provided by the internal audit activity ​Proficient

​D ​Demonstrate conformance with the IIA Code of Ethics ​​Proficient

II. ​Independence and Objectivity (15%)

​ ​ ​Cognitive Level

A​ ​​Interpret organizational independence of the internal audit activity (importance of independence, functional reporting, etc.) Basic

​B ​Identify whether the internal audit activity has any impairments to its independence Basic

​C ​Assess and maintain an individual internal auditor's objectivity, including determining whether an individual internal auditor has any impairments to his/her objectivity ​Proficient

​D ​Analyze policies that promote objectivity ​​Proficient

III. Proficiency and Due Professional Care (18%)​

​ ​ ​Cognitive Level

A​ ​​Recognize the knowledge, skills, and competencies required (whether developed or procured) to fulfill the responsibilities of the internal audit activity Basic

​B ​Demonstrate the knowledge and competencies that an internal auditor needs to possess to perform his/her individual responsibilities, including technical skills and soft skills (communication skills, critical thinking, persuasion/negotiation and collaboration skills, etc.) Proficient

​C Demonstrate due professional care ​Proficient

​D Demonstrate an individual internal auditor's competency through continuing professional development ​​Proficient

IV. Quality Assurance and Improvement Program (7%)​

​ ​ ​Cognitive Level

A​ ​​Describe the required elements of the quality assurance and improvement program (internal exams, external exams, etc.) Basic

​B ​Describe the requirement of reporting the results of the quality assurance and improvement program to the board or other governing body Basic

​C ​​Identify appropriate disclosure of conformance vs. nonconformance with The IIAs International Standards for the Professional Practice of Internal Auditing Basic

V. Governance, Risk Management, and Control (35%)

​ ​ ​Cognitive Level

A​ ​​Describe the concept of organizational governance Basic

​B ​Recognize the impact of organizational culture on the overall control environment and individual engagement risks and controls Basic

​C ​Recognize and interpret the organization's ethics and compliance-related issues, alleged violations, and dispositions ​Basic

​D ​Describe corporate social responsibility ​​Basic

​E ​Interpret fundamental concepts of risk and the risk management process Proficient​

​F ​Describe globally accepted risk management frameworks appropriate to the organization (COSO - ERM, ISO 31000, etc.) Basic​

G​ ​Examine the effectiveness of risk management within processes and functions ​Proficient

​H ​Recognize the appropriateness of the internal audit activitys role in the organization's risk management process ​Basic

​I ​Interpret internal control concepts and types of controls ​Proficient

​J ​Apply globally accepted internal control frameworks appropriate to the organization (COSO, etc.) ​Proficient

​K ​Examine the effectiveness and efficiency of internal controls Proficient​

VI. Fraud Risks (10%)​

​ ​ ​Cognitive Level

A​ ​​Interpret fraud risks and types of frauds and determine whether fraud risks require special consideration when conducting an engagement Proficient

​B ​Evaluate the potential for occurrence of fraud (red flags, etc.) and how the organization detects and manages fraud risks Proficient

​C ​Recommend controls to prevent and detect fraud and education to Improve the organization's fraud awareness ​Proficient

​D ​Recognize techniques and internal audit roles related to forensic auditing (interview, investigation, testing, etc.) ​​Basic

Additional noteworthy elements related to the revised CIA Part One test syllabus:



IPPF elements such as the Mission of Internal Audit and Core Principles for the Professional Practice of Internal Auditing are included.

The syllabus features greater alignment with The IIAs Attribute Standards.

The test covers the differences between assurance and consulting engagements.

The test covers appropriate disclosure of conformance vs. nonconformance with the Standards.

The largest domain is “Governance, Risk Management, and Control,” which makes up 35%of the exam.

A portion of the test requires candidates to demonstrate a basic comprehension of concepts; another portion requires candidates to demonstrate proficiency in their knowledge, skills, and abilities.



The Certified Internal Auditor® (CIA®) test is developed following best practices with the support of experts and professionals. In accordance with test development industry standards, a job analysis study is conducted with a diverse and experienced group of internal auditors to identify the essential knowledge and skills required for internal auditors.

This information is then distributed more broadly to the field through an online survey to obtain additional feedback from internal auditors around the world, to validate its importance and ensure that it reflects current internal audit practices.

Based on the results of the global job analysis study, the CIA test syllabus is developed. The test syllabus guides the development of test questions to ensure the fairness and validity of the exam.




Killexams Review | Reputation | Testimonials | Feedback


Real test CIA-I Questions and answers.
I decided to use killexams.com's Dumps for my CIA-I exam, and it was a brilliant decision. The material was well-organized and made it easy for me to understand and memorize the topics. I scored an impressive 89 marks on the exam, thanks to their comprehensive and well-prepared resources. I completed the test in just an hour and 20 minutes, which is a testament to the effectiveness of their study material. Thank you, killexams.com!


Dont neglect to try these updated dumps questions for CIA-I exam.
I was recommended to use killexams.com dumps as a reference for my exam, and they did an excellent job. The short-duration answers were easy to understand, and I scored 80% marks by dealing with 98% of the questions. Despite not contributing much time to prepare for this exam, I found it to be a noteworthy challenge for my IT profession.


Is there a shortcut to fast put together and pass CIA-I exam?
It is difficult to find test material that covers all the necessary skills required to take the CIA-I exam. However, I was fortunate enough to use the killexams.com material which had all the required information and capabilities. The CIA-I braindumps were also very useful and provided comprehensive subjects in a seamless manner, making it easy for me to train and analyze every problem. I highly recommend this material to my friends.


Less effort, great CIA-I knowledge, guaranteed success.
After consecutive failures in the CIA-I exam, I was devastated and considered changing my career path. However, someone suggested that I provide one more attempt with killexams.com, and I am glad I did. Thanks to the website's efforts, I passed the CIA-I test and did not have to change my field.


Simply attempt these real test questions and success is yours.
I achieved a splendid 99% score in my CIA-I exam, all thanks to the question and answers provided by killexams.com. With only 15 days of preparation, their high-quality material made learning so easy that I was able to understand even the toughest subjects comfortably. Thank you, killexams.com, for providing us with such a clear and powerful test guide. I wish your team continued success in developing more publications for other IT certification exams.


Financial Internal PDF Braindumps

   




Whilst it is very hard task to choose reliable test Dumps 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 demo brain dumps, their test 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 along with fully efficient. There are several benefits that makes killexams.com traditional and legit. It provides up-to-date and 100% valid ACTUAL EXAM QUESTIONS containing real exams questions and answers. Price is nominal as compared to the majority of the services on internet. The Dumps are updated on common basis having most recent brain dumps. Killexams account launched and products delivery is really fast. Submit downloading is actually unlimited and very fast. Guidance is avaiable via Livechat and Email. These are the features that makes killexams.com a robust website that include ACTUAL EXAM QUESTIONS with real exams questions.



Is killexams.com test material dependable?
There are several Dumps provider in the market claiming that they provide real 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 get sites or reseller sites. Thats why killexams.com update test Dumps with the same frequency as they are updated in Real Test. ACTUAL EXAM 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 subjects of new syllabus, They recommend to get PDF test Questions from killexams.com and get ready for real 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 Dumps will be provided in your get Account. You can get Premium ACTUAL EXAM QUESTIONS 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 real Test. Go register for Test in Test Center and Enjoy your Success.




300-620 Cheatsheet | PCAP-31-03 study guide | CIMAPRA19-P03-1-ENG pass test | MCPA-Level-1 practical test | 150-130 test papers | IBQH001 actual questions | CCRA-L2 bootcamp | CPIM writing test questions | SIAMF Dumps | S90.05A online test | CBDH test practice | CTAL-TM-001 free prep | Podiatry-License-Exam-Part-III test Braindumps | PB0-200 test prep | Okta-Certified-Developer demo test | EX407 practice questions | CCSK free pdf | 300-710 VCE test | 500-452 past bar exams | GE0-803 test questions |


CIA-I - Certified Internal Auditor (CIA) test syllabus
CIA-I - Certified Internal Auditor (CIA) study tips
CIA-I - Certified Internal Auditor (CIA) ACTUAL EXAM QUESTIONS
CIA-I - Certified Internal Auditor (CIA) study help
CIA-I - Certified Internal Auditor (CIA) Test Prep
CIA-I - Certified Internal Auditor (CIA) Latest Questions
CIA-I - Certified Internal Auditor (CIA) questions
CIA-I - Certified Internal Auditor (CIA) course outline
CIA-I - Certified Internal Auditor (CIA) Dumps
CIA-I - Certified Internal Auditor (CIA) cheat sheet
CIA-I - Certified Internal Auditor (CIA) test success
CIA-I - Certified Internal Auditor (CIA) Dumps
CIA-I - Certified Internal Auditor (CIA) book
CIA-I - Certified Internal Auditor (CIA) PDF Braindumps
CIA-I - Certified Internal Auditor (CIA) exam
CIA-I - Certified Internal Auditor (CIA) course outline
CIA-I - Certified Internal Auditor (CIA) Free PDF
CIA-I - Certified Internal Auditor (CIA) Free test PDF
CIA-I - Certified Internal Auditor (CIA) study help
CIA-I - Certified Internal Auditor (CIA) Latest Questions
CIA-I - Certified Internal Auditor (CIA) test Cram
CIA-I - Certified Internal Auditor (CIA) ACTUAL EXAM QUESTIONS
CIA-I - Certified Internal Auditor (CIA) syllabus
CIA-I - Certified Internal Auditor (CIA) Practice Test
CIA-I - Certified Internal Auditor (CIA) course outline
CIA-I - Certified Internal Auditor (CIA) study tips
CIA-I - Certified Internal Auditor (CIA) Cheatsheet
CIA-I - Certified Internal Auditor (CIA) study help
CIA-I - Certified Internal Auditor (CIA) real Questions
CIA-I - Certified Internal Auditor (CIA) test format
CIA-I - Certified Internal Auditor (CIA) Real test Questions
CIA-I - Certified Internal Auditor (CIA) PDF Download
CIA-I - Certified Internal Auditor (CIA) study help
CIA-I - Certified Internal Auditor (CIA) Dumps
CIA-I - Certified Internal Auditor (CIA) Free test PDF
CIA-I - Certified Internal Auditor (CIA) outline
CIA-I - Certified Internal Auditor (CIA) study help
CIA-I - Certified Internal Auditor (CIA) test Questions
CIA-I - Certified Internal Auditor (CIA) real questions
CIA-I - Certified Internal Auditor (CIA) Question Bank
CIA-I - Certified Internal Auditor (CIA) braindumps
CIA-I - Certified Internal Auditor (CIA) test
CIA-I - Certified Internal Auditor (CIA) learning
CIA-I - Certified Internal Auditor (CIA) ACTUAL EXAM QUESTIONS

Other Financial ACTUAL EXAM QUESTIONS


CTFA study material | CRFA cheat sheet pdf | AFE free pdf | CGAP brain dumps | CPCM test preparation | CVA braindumps | CCM ACTUAL EXAM QUESTIONS | CABM PDF Download | AVA writing test questions | AngularJS pass marks | CBM test results | CGFM pdf download | CPEA braindumps | CITP question test | CEMAP-1 braindumps | CPFO demo test | CMAA Test Prep | CHFP VCE | FINRA test example | CIA-I dump |


Best ACTUAL EXAM QUESTIONS You Ever Experienced


MOPF Practice test | CTFL-AuT real questions | NCCT-TSC test example | ATA braindumps | 090-078 test Questions | 7220X Latest Questions | 300-620 cheat sheet pdf | PCAP-31-03 test prep | S90.02A test results | SABE501V3-0 free test papers | H13-811_V3.0-ENU pass exam | CIS-FSM PDF Braindumps | 1V0-21.20 examcollection | HPE0-V17 test exam | NSE7_SDW-7.0 test preparation | HPE6-A75 free pdf | PSK-I cram | ACD100 test prep | IIA-CRMA-ADV demo test questions | PCNSE ACTUAL EXAM QUESTIONS |





References :


http://killexams-braindumps.blogspot.com/2020/07/exact-copy-of-cia-i-dumps-are-here-to.html
https://www.instapaper.com/read/1323680543
https://drp.mk/i/cPyJdXsvy
http://feeds.feedburner.com/TakeAGanderAtTheseCia-iRealQuestionAndAnswers
https://youtu.be/nOjVjqEnyWs
https://files.fm/f/v3e2ak8bn
https://sites.google.com/view/killexams-cia-i-pdf-braindump
https://killexams-cia-i.jimdofree.com/



Similar Websites :
Pass4sure Certification ACTUAL EXAM QUESTIONS
Pass4Sure test Questions and Dumps






Direct Download

CIA-I 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.

CIA-I Reviews

100% Valid and Up to Date CIA-I 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