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 CIMAPRA19-F03-1-ENG?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der CIMAPRA19-F03-1-ENG: F3 Financial Strategy Prüfung.

2024 Updated Actual CIMAPRA19-F03-1-ENG questions as experienced in Test Center

Aktuelle CIMAPRA19-F03-1-ENG Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz

CIMAPRA19-F03-1-ENG exam Braindumps - F3 Financial Strategy | https://www.easyfinanz.cc/

CIMA CIMAPRA19-F03-1-ENG : F3 Financial Strategy exam Dumps

Exam Dumps Organized by Martin Hoax



Latest 2024 Updated CIMA F3 Financial Strategy Syllabus
CIMAPRA19-F03-1-ENG quiz test / Braindumps contains actual exam Questions

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




CIMAPRA19-F03-1-ENG Exam Center Questions : Download 100% Free CIMAPRA19-F03-1-ENG quiz test (PDF and VCE)

Exam Number : CIMAPRA19-F03-1-ENG
Exam Name : F3 Financial Strategy
Vendor Name : CIMA
Update : Click Here to Check Latest Update
Question Bank : Check Questions

Download Free killexams CIMAPRA19-F03-1-ENG Actual Questions and PDF Dumps
Instead of wasting time and money searching for updated F3 Financial Strategy questions, simply register on killexams.com and download the 100% free dumps to purchase the complete CIMAPRA19-F03-1-ENG Latest Questions version. Read and pass the CIMAPRA19-F03-1-ENG exam.

We have a large number of successful candidates who have passed the CIMAPRA19-F03-1-ENG exam using their Questions and Answers. They are all working in prestigious positions in their respective organizations and earning a lot. This is not simply because they have used their CIMAPRA19-F03-1-ENG Exam Questions, but because they have gained a deeper understanding of the subject matter and can apply their knowledge effectively in real-world scenarios. They focus not only on helping their clients pass the CIMAPRA19-F03-1-ENG test with their practice questions and answers, but also on improving their knowledge and skills related to CIMAPRA19-F03-1-ENG syllabus and objectives. This is how people achieve success.

If you are solely interested in passing the CIMA CIMAPRA19-F03-1-ENG exam to secure a well-paying job, then you should visit killexams.com and register to download the complete set of CIMAPRA19-F03-1-ENG Exam Questions. Their team of experts is constantly gathering real CIMAPRA19-F03-1-ENG exam questions to provide you with the most up-to-date and accurate material. With their F3 Financial Strategy exam questions and VCE exam simulator, you can ensure your success in the CIMAPRA19-F03-1-ENG exam. You can download the latest and valid CIMAPRA19-F03-1-ENG exam questions every time you log in to your account, with a 100% money-back guarantee. While there are several companies offering CIMAPRA19-F03-1-ENG Questions and Answers, finding valid and updated 2024 CIMAPRA19-F03-1-ENG Exam Questions without a cost is a big challenge. You should be cautious when relying on free CIMAPRA19-F03-1-ENG Questions and Answers offered on the internet.







CIMAPRA19-F03-1-ENG exam Format | CIMAPRA19-F03-1-ENG Course Contents | CIMAPRA19-F03-1-ENG Course Outline | CIMAPRA19-F03-1-ENG exam Syllabus | CIMAPRA19-F03-1-ENG exam Objectives




Killexams Review | Reputation | Testimonials | Feedback


Right place to get CIMAPRA19-F03-1-ENG Latest Brain dump paper.
Using the killexams.com brain dump observe guide, I passed my CIMAPRA19-F03-1-ENG exam in less than 20 days of preparation. The dumps I received changed my life and I now work in a great enterprise with a decent income. The team of trutrainers at killexams.com made tough syllabus easy to understand and provided excellent references for test preparation. I was able to answer almost all questions in half the time thanks to their help.


Found all CIMAPRA19-F03-1-ENG Questions in real exam that I read.
I had a difficult time preparing for the CIMAPRA19-F03-1-ENG exam because I needed an e-book that could provide questions and answers. killexams.com's Questions Answers were all in order and helpful. I had taken the CIMAPRA19-F03-1-ENG exam for three years in a row but couldn't pass it until I found killexams.com. It helped me understand my weaknesses and work on them to pass the exam.


How much is CIMAPRA19-F03-1-ENG exam price?
Learning for the CIMAPRA19-F03-1-ENG exam was challenging, with many puzzling subjects to cover. However, killexams.com induced the self-assurance I needed to pass the exam by providing exact questions about the situation. Their effort paid off as I passed the exam with a terrific pass percentage of 91%. A few of the questions were twisted, but killexams.com's answers helped me mark the right ones.


That was Awesome! I got actual test questions of CIMAPRA19-F03-1-ENG exam.
For busy professionals like us, having access to practice Questions Answers anytime, anywhere is invaluable. I am immensely grateful to killexams.com for creating this incredible practice material, which proved to be very useful during the last few days leading up to the exam. With their revision practice tests, I secured 88% in the CIMAPRA19-F03-1-ENG Exam. My only suggestion to the team is to expand their offering by creating an android app so that people like us can study on-the-go.


Actual CIMAPRA19-F03-1-ENG exam questions to pass at the first attempt.
I cannot thank you enough for your incredible CIMAPRA19-F03-1-ENG dumps, which proved to be my primary study tool. With the help of your exam simulator, I practiced the questions repeatedly until I was confident in my abilities. The result was outstanding - I scored 95% on my real CIMAPRA19-F03-1-ENG exam. I have recommended your platform to all my friends, and I am sure they will benefit as much as I did.


CIMA Financial Latest Questions

 

14 questions to ask when choosing a financial advisor

No result found, try new keyword!A good financial advisor can help you avoid the pitfalls of modern-day investing. A competent financial pro will willingly answer your questions ... advisor is up on the latest technology.

Taylor Sohns MBA, CIMA®, CFP®: Page 6

No result found, try new keyword!The latest articles written by Taylor Sohns MBA, CIMA®, CFP® you will find only on Entrepreneur - Page 6 ...

Financial questions to ask before the wedding

(REAL SIMPLE) -- Are you a spender? Is he a saver? Here's how to work out your financial plan now -- before you take your wedding vows.

You may know their likes and dislikes, but do you know how they handle their money?

You may know their likes and dislikes, but do you know how they handle their money?

1. Do you carry around a lot of cash?

If either one of you carries around a lot of money, it could mean one of a few things: You're trying to flaunt your wealth; you're oblivious to the fact that carrying a lot of cash is not a safe practice; or you like to spend wads of it carelessly.

Get your betrothed or yourself into the habit of keeping an ATM card handy. Debit cards also allow you to keep track of spending so you can better manage your money and accounts.

2. Do you have a checking account?

This question identifies stability. You should know if your partner has a checking account and how long he has had it. An account maintained over years shows you that he knows how to managefinances. If you are both young and just starting out, you can learn to manage your money right together. Real Simple: How to save up to $3,000 a year

3. Do you balance your checking account each month?

Even with today's advanced technology, banks can make mistakes. You'll want to know that your partner cares enough about his money to protect it and wants to prevent overdrawing on the account by keeping withdrawals and deposits in order.

4. Do you have a savings account?

This shows that your partner is thinking about the future. Over time, orderly savings can easily convert into investments to help build wealth.

5. How many credit cards do you have?

Too many credit cards could indicate that your partner is an out- of-control spender. How many is too many can be hard to judge, as it depends on a few factors, including your debt-to-credit ratio.

Ideally, your credit utilization should be less than 30 percent of your total credit. However, if you find yourself sifting through a stack of plastic, that is usually a sign that you have too many.

6. Do you carry and use your credit cards?

Of course, in today's world, there are certain purchases that are best made with a credit card. Reasonable use of credit cards eliminates the need to carry large amounts of cash and makes purchasing certain goods and services convenient. However, having and carrying around too many is a financial no-no. You'll tend to overspend and accrue debt. Real Simple: Your biggest money worries solved

7. Do you use credit cards for everyday expenses?

Using credit cards for everyday expenditures, such as lunch, does not show a wise use of dollars. If the credit-card bill is not paid in full every month, you could get slammed with interest fees.

8. Do you pay your credit-card balance in full each month?

If so, this shows that you or your partner has control over spending and credit-card use. If the answer is no, encourage him or yourself to pay as much as possible each month. Making only the required minimum payments can show that you don't have adequate control over your credit or the means to manage it.

9. Have you ever maxed out your credit cards?

Spending to the limit may negatively affect your debt-to-credit ratio on your credit reports and, again, can show that your partner is not well prepared financially or organized.

10. Do you do research before making major purchases?

A man who does his homework before making big purchases knows he can save a lot of money and get a quality product. If you are the one doing all the research, it will impress him to know how savvy you are. Real Simple: Spend money to save money

11. Do you keep receipts?

It's important to save receipts for accounting purposes, especially around tax time. They are also invaluable in helping you keep track of your spending and accounts.

12. What are your debts?

You don't marry just the person; you also marry his debts and financial obligations. Find out about any debts or liens your fiancé may have acquired, which will affect your own financial status and future.

13. Do you track your finances? How -- by computer or paper? And how often?

You'll want to be sure that your partner is on top of his finances and knows how his money is growing or not. Finding out if he does it by computer or on paper just tells you how he likes to organize his accounts. These days, Internet banking is popular, so it would be good if at least one of you is comfortable with online banking.

14. Do you save paycheck stubs?

Saving paycheck stubs is helpful in keeping track of and verifying your income. You may also need them to show a prospective mortgage company if you will be buying a home together.

15. Do you have health insurance?

Insurance protects your new family financial situation in case of illness. Compare who has the better insurance plan. The person who has the best benefits should consider putting the other on his or her policy after the wedding.

16. Do you have life insurance?

You both should have adequate insurance, especially if you plan on having children. In the unfortunate event that something happens to either you or your spouse, your family will be taken care of financially.

17. Are you aware of all your benefits at work?

It's important to know the benefits that your job offers you. If you don't, go to your human-resources department to find out what you qualify for and make sure you take advantage of it. Even discounts on a gym membership can help you save money together. Be sure to find out if and when you qualify for a 401(k) plan and enroll.

18. Do you have a budget or a spending plan?

This answer shows how organized your partner is. It is also helpful in knowing each other's plans about money for the present and the future, to help eliminate any financial obstacles and misunderstandings that might arise. You should both be on the same page regarding how money is being spent and will be saved.

19. Have you looked at your credit reports in the last year?

About 32 percent of Americans don't know what is on their credit reports, which is scary, considering the fact that credit reports often contain inaccuracies. It's important to know what your credit history and score look like to be sure you are on a good financial track or to know what threw you off.

20. Did you ever require a cosigner for a loan?

The ideal answer is no, as requiring a cosigner for a loan indicates a lack of financial preparedness. If the answer is yes, try to work together to build or repair your or your partner's credit. A financial adviser at a reputable institution can help.

21. Are you a cosigner on anyone else's loan?

When you cosign for any credit, you serve as the guarantor of the account, meaning if the other person for whom you co-signed does not pay, you become responsible for the account. This can seriously ruin your and your spouse's financial stability and credit.

22. Do you have any tax or other liens pending?

You can avoid overpaying by knowing which tax breaks you could take advantage of, but you have to pay what you owe. A tax lien could cost you your home, other property, or additional money.

23. Have you ever been put into collection by a creditor?

This also indicates a lack of financial wellness, but find out why your partner defaulted on the account and if the debt was paid. If not, encourage him to get it taken care of, or work together to do so.

24. Do you own any U. S. savings bonds?

Bonds are an easy way to save and to help you set aside money for your future children's education. If you purchase the bonds in your child's name, you get a tax break when you redeem them.

25. Do you own any mutual funds or stocks?

Owning funds or stocks shows a commitment to building financial security and wealth. Investing on a monthly or regular basis shows stability.

* Suggested by Bettye J. Banks of the Consumer Credit Counseling Service of Greater Dallas.

Get a FREE TRIAL issue of Real Simple - CLICK HERE!

Copyright © 2009 Time Inc. All rights reserved.

All About Personal Finance • Relationships


 


Whilst it is very hard task to choose reliable exam Questions Answers 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 quiz test 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 exam simulator. Visit their test 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?
Yes, Killexams is totally legit as well as fully efficient. There are several capabilities that makes killexams.com legitimate and reliable. It provides knowledgeable and totally valid quiz test comprising real exams questions and answers. Price is small as compared to almost all the services online. The Questions Answers are up-to-date on common basis through most recent brain dumps. Killexams account launched and solution delivery is rather fast. Document downloading is definitely unlimited and fast. Help is avaiable via Livechat and E mail. These are the features that makes killexams.com a strong website that include quiz test with real exams questions.



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




Salesforce-Consumer-Goods-Cloud english test questions | 500-710 practice questions | 4A0-116 study material | MCD-Level-2 exam papers | CPAT practice questions | D-CSF-SC-23 PDF Braindumps | NSE7_PBC-7.2 cheat sheets | 350-501 training material | 300-615 PDF download | D-NWG-FN-23 braindumps | Servicenow-PR000370 demo test | PMI-ACP exam questions | MB-320 exam answers | 1V0-61.21 free online test | ACF-CCP practice exam | 1T6-530 practice questions | PCAT test prep | 7220X practice exam | 4H0-100 exam questions | H12-311 Questions Answers |


CIMAPRA19-F03-1-ENG - F3 Financial Strategy syllabus
CIMAPRA19-F03-1-ENG - F3 Financial Strategy Real exam Questions
CIMAPRA19-F03-1-ENG - F3 Financial Strategy study help
CIMAPRA19-F03-1-ENG - F3 Financial Strategy dumps
CIMAPRA19-F03-1-ENG - F3 Financial Strategy teaching
CIMAPRA19-F03-1-ENG - F3 Financial Strategy Free PDF
CIMAPRA19-F03-1-ENG - F3 Financial Strategy Study Guide
CIMAPRA19-F03-1-ENG - F3 Financial Strategy PDF Questions
CIMAPRA19-F03-1-ENG - F3 Financial Strategy PDF Download
CIMAPRA19-F03-1-ENG - F3 Financial Strategy exam dumps
CIMAPRA19-F03-1-ENG - F3 Financial Strategy Latest Topics
CIMAPRA19-F03-1-ENG - F3 Financial Strategy real questions
CIMAPRA19-F03-1-ENG - F3 Financial Strategy Test Prep
CIMAPRA19-F03-1-ENG - F3 Financial Strategy exam Questions
CIMAPRA19-F03-1-ENG - F3 Financial Strategy PDF Questions
CIMAPRA19-F03-1-ENG - F3 Financial Strategy study help
CIMAPRA19-F03-1-ENG - F3 Financial Strategy exam Braindumps
CIMAPRA19-F03-1-ENG - F3 Financial Strategy techniques
CIMAPRA19-F03-1-ENG - F3 Financial Strategy exam Questions
CIMAPRA19-F03-1-ENG - F3 Financial Strategy study tips
CIMAPRA19-F03-1-ENG - F3 Financial Strategy exam Questions
CIMAPRA19-F03-1-ENG - F3 Financial Strategy exam syllabus
CIMAPRA19-F03-1-ENG - F3 Financial Strategy outline
CIMAPRA19-F03-1-ENG - F3 Financial Strategy exam format
CIMAPRA19-F03-1-ENG - F3 Financial Strategy certification
CIMAPRA19-F03-1-ENG - F3 Financial Strategy course outline
CIMAPRA19-F03-1-ENG - F3 Financial Strategy PDF Download
CIMAPRA19-F03-1-ENG - F3 Financial Strategy Cheatsheet
CIMAPRA19-F03-1-ENG - F3 Financial Strategy test prep
CIMAPRA19-F03-1-ENG - F3 Financial Strategy PDF Dumps
CIMAPRA19-F03-1-ENG - F3 Financial Strategy Cheatsheet
CIMAPRA19-F03-1-ENG - F3 Financial Strategy dumps
CIMAPRA19-F03-1-ENG - F3 Financial Strategy Real exam Questions
CIMAPRA19-F03-1-ENG - F3 Financial Strategy exam dumps
CIMAPRA19-F03-1-ENG - F3 Financial Strategy exam Cram
CIMAPRA19-F03-1-ENG - F3 Financial Strategy exam Questions
CIMAPRA19-F03-1-ENG - F3 Financial Strategy book
CIMAPRA19-F03-1-ENG - F3 Financial Strategy braindumps
CIMAPRA19-F03-1-ENG - F3 Financial Strategy information search
CIMAPRA19-F03-1-ENG - F3 Financial Strategy Cheatsheet
CIMAPRA19-F03-1-ENG - F3 Financial Strategy Question Bank
CIMAPRA19-F03-1-ENG - F3 Financial Strategy test prep
CIMAPRA19-F03-1-ENG - F3 Financial Strategy test
CIMAPRA19-F03-1-ENG - F3 Financial Strategy exam dumps

Other CIMA exam Dumps


CIMAPRA17-BA4-1-ENG Dumps | CIMAPRA17-BA2-1-ENG exam questions | CIMAPRA19-P03-1-ENG test exam | CIMAPRA17-BA1-1-ENG questions download | CIMAPRA17-BA3-1-ENG braindumps | CIMAPRO17-BA2-X1-ENG pass marks | CIMAPRO19-E01-1-ENG practice exam | CIMAPRO15-E03-X1-ENG Free exam PDF | CIMAPRA19-E02-1-ENG practice questions | CIMAPRA19-F01-1-ENG Latest Topics | CIMAPRA19-F03-1-ENG practice exam |


Best quiz test You Ever Experienced


304-200 exam Questions | Salesforce-Consumer-Goods-Cloud brain dumps | HPE0-S60 Dumps | 4A0-100 test exam | VCS-257 PDF Braindumps | MB-240 PDF Dumps | 300-215 braindumps | MB-310 dumps | 202-450 Free exam PDF | 62-193 exam questions | SPHR actual Questions | JN0-104 free pdf download | AI-102 Cheatsheet | H12-222 braindumps | PMP-Bundle writing test questions | 3V0-22.21N practice exam | ASDEV01 training material | Magento-Certified-Professional-Cloud-Developer demo test questions | ACLS exam prep | CBCP PDF Download |





References :





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






Direct Download

CIMAPRA19-F03-1-ENG 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.

CIMAPRA19-F03-1-ENG Reviews

100% Valid and Up to Date CIMAPRA19-F03-1-ENG 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