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 CISSP?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der CISSP: Certified Information Systems Security Professional - 2024 Prüfung.

2024 Updated Actual CISSP questions as experienced in Test Center

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

CISSP exam Braindumps - Certified Information Systems Security Professional - 2024 | https://www.easyfinanz.cc/

ISC2 CISSP : Certified Information Systems Security Professional - 2024 exam Dumps

Exam Dumps Organized by Martha nods

Latest 2024 Updated ISC2 Certified Information Systems Security Professional - 2024 Syllabus
CISSP exam braindumps / Braindumps contains genuine exam Questions

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

CISSP Exam Center Questions : Download 100% Free CISSP exam braindumps (PDF and VCE)

Exam Number : CISSP
Exam Name : Certified Information Systems Security Professional - 2024
Vendor Name : ISC2
Update : Click Here to Check Latest Update
Question Bank : Check Questions

Free CISSP Practice Test Questions by killexams.com
Killexams.com CISSP exam prep dumps provide you with all you need to pass the CISSP exam. Their ISC2 CISSP Dumps consists of questions that are identical to those on the genuine CISSP test. It is of top quality and provides impetus for the CISSP Exam. They certain your success in the CISSP test with their excellent questions.

Many candidates have given testimonials of passing the CISSP test with the help of their Real exam Questions. They are now working in great positions within their organizations. It is a fact that after using their CISSP exam dumps, they have seen improvements in their knowledge and skills. They can confidently work as experts in their respective fields. Their focus is not just on passing the CISSP test with their braindumps, but also on improving their candidates' understanding of CISSP goals and objectives. This is how individuals become successful in their careers.

If you are looking to pass the ISC2 CISSP test to get a job or advance your current position within your organization, then you should register at killexams.com. Their team of experts collects genuine CISSP test questions at killexams.com. You will receive Certified Information Systems Security Professional - 2024 test questions to ensure that you pass the CISSP test. Every time you log in to your account, you will be able to obtain updated CISSP test questions. While there are many organizations that offer CISSP cheat sheet, only valid and up-to-date 2024 CISSP Study Guide are significant. Be careful relying solely on Free Dumps found on the internet, as you may fail the test. Therefore, paying a small fee for killexams CISSP genuine questions is a smart choice to avoid significant test expenses.

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

The Certified Information Systems Security Professional (CISSP) is the most globally recognized certification

in the information security market. CISSP validates an information security professionals deep technical

and managerial knowledge and experience to effectively design, engineer, and manage the overall security posture of an organization.

The broad spectrum of subjects included in the CISSP Common Body of Knowledge (CBK) ensure its relevancy
across all disciplines in the field of information security. Successful candidates are competent in the following
8 domains:

• Security and Risk Management

• Asset Security

• Security Architecture and Engineering

• Communication and Network Security

• Identity and Access Management (IAM)

• Security Assessment and Testing

• Security Operations

• Software Development Security

Length of exam : 3 hours

Number of questions : 100 - 150

Question format : Multiple choice and advanced innovative questions

Passing grade : 700 out of 1000 points

Exam language availability : English

Testing center : (ISC)2 Authorized PPC and PVTC Select Pearson VUE Testing Centers

CISSP CAT exam Weights

1. Security and Risk Management 15%

2. Asset Security 10%

3. Security Architecture and Engineering 13%

4. Communication and Network Security 14%

5. Identity and Access Management (IAM) 13%

6. Security Assessment and Testing 12%

7. Security Operations 13%

8. Software Development Security 10%

Domain 1:

Security and Risk Management

1.1 Understand and apply concepts of confidentiality, integrity and availability

1.2 Evaluate and apply security governance principles

» Alignment of security function to business

» Security control frameworks strategy, goals, mission, and objectives

» Due care/due diligence

» Organizational processes (e.g., acquisitions, divestitures, governance committees)

» Organizational roles and responsibilities

1.3 Determine compliance requirements

» Contractual, legal, industry standards, and regulatory requirements

» Privacy requirements

1.4 Understand legal and regulatory issues that pertain to information security in a global context

» Cyber crimes and data breaches » Trans-border data flow

» Licensing and intellectual property requirements » Privacy

» Import/export controls

1.5 Understand, adhere to, and promote professional ethics

» (ISC)² Code of Professional Ethics

» Organizational code of ethics

1.6 Develop, document, and implement security policy, standards, procedures, and guidelines

1.7 Identify, analyze, and prioritize Business Continuity (BC) requirements

» Develop and document scope and plan

» Business Impact Analysis (BIA)

1.8 Contribute to and enforce personnel security policies and procedures

» Candidate screening and hiring

» Compliance policy requirements

» Employment agreements and policies

» Privacy policy requirements

» Onboarding and termination processes

» Vendor, consultant, and contractor agreements and controls

1.9 Understand and apply risk management concepts

» Identify threats and vulnerabilities

» Security Control Assessment (SCA)

» Risk exam/analysis

» Monitoring and measurement

» Risk response

» Asset valuation

» Countermeasure selection and implementation

» Reporting

» Applicable types of controls (e.g., preventive, detective, corrective)

» Risk frameworks

» Continuous improvement

1.10 Understand and apply threat modeling concepts and methodologies

» Threat modeling methodologies » Threat modeling concepts

1.11 Apply risk-based management concepts to the supply chain

» Risks associated with hardware, software, and

» Service-level requirements services

» Third-party exam and monitoring

» Minimum security requirements

1.12 Establish and maintain a security awareness, education, and training program

» Methods and techniques to present awareness and training

» Periodic content reviews

» Program effectiveness evaluation

Domain 2:

Asset Security

2.1 Identify and classify information and assets

» Data classification

» Asset Classification

2.2 Determine and maintain information and asset ownership

2.3 Protect privacy

» Data owners

» Data remanence

» Data processers

» Collection limitation

2.4 Ensure appropriate asset retention

2.5 Determine data security controls

» Understand data states

» Standards selection

» Scoping and tailoring

» Data protection methods

2.6 Establish information and asset handling requirements

Domain 3:

Security Architecture and Engineering

3.1 Implement and manage engineering processes using secure design principles

3.2 Understand the fundamental concepts of security models

3.3 Select controls based upon systems security requirements

3.4 Understand security capabilities of information systems (e.g., memory protection, Trusted Platform Module (TPM), encryption/decryption)

3.5 Assess and mitigate the vulnerabilities of security architectures, designs, and solution elements

» Client-based systems

» Industrial Control Systems (ICS)

» Server-based systems

» Cloud-based systems

» Database systems

» Distributed systems

» Cryptographic systems

» Internet of Things (IoT)

3.6 Assess and mitigate vulnerabilities in web-based systems

3.7 Assess and mitigate vulnerabilities in mobile systems

3.8 Assess and mitigate vulnerabilities in embedded devices

3.9 Apply cryptography

» Cryptographic life cycle (e.g., key management, algorithm selection)

» Digital signatures

» Non-repudiation

» Cryptographic methods (e.g., symmetric, asymmetric, elliptic curves) » Understand methods of cryptanalytic attacks

» Integrity (e.g., hashing)

» Public Key Infrastructure (PKI)

» Digital Rights Management (DRM)

» Key management practices

3.10 Apply security principles to site and facility design

3.11 Implement site and facility security controls

» Wiring closets/intermediate distribution facilities Server rooms/data centers Media storage facilities Evidence storage Utilities and Heating, Ventilation, and Air Conditioning (HVAC) Environmental issues Fire prevention, detection, and suppression

» Restricted and work area security

Domain 4:

Communication and Network Security

4.1 Implement secure design principles in network architectures

» Open System Interconnection (OSI) and Transmission Control Protocol/Internet Protocol (TCP/IP) models

» Internet Protocol (IP) networking

» Implications of multilayer protocols

4.2 Secure network components

» Operation of hardware

» Transmission media

» Network Access Control (NAC) devices

» Converged protocols

» Software-defined networks

» Wireless networks

» Endpoint security

» Content-distribution networks

4.3 Implement secure communication channels according to design

» Voice

» Multimedia collaboration

» Remote access

» Data communications

» Virtualized networks

Domain 5:

Identity and Access Management (IAM)

5.1 Control physical and logical access to assets

» Information

» Systems

» Devices

» Facilities

5.2 Manage identification and authentication of people, devices, and services

» Identity management implementation

» Registration and proofing of identity

» Single/multi-factor authentication

» Federated Identity Management (FIM)

» Accountability

» Credential management systems

» Session management

5.3 Integrate identity as a third-party service

» On-premise

» Cloud

» Federated

5.4 Implement and manage authorization mechanisms

» Role Based Access Control (RBAC)

» Discretionary Access Control (DAC)

» Rule-based access control

» Attribute Based Access Control (ABAC)

» Mandatory Access Control (MAC)

5.5 Manage the identity and access provisioning lifecycle

» User access review

» System account access review

» Provisioning and deprovisioning

Domain 6:

Security Assessment and Testing

6.1 Design and validate exam, test, and audit strategies

» Internal

» External

» Third-party

6.2 Conduct security control testing

» Vulnerability exam

» Penetration testing

» Log reviews

» Synthetic transactions

» Code review and testing

» Misuse case testing

» Test coverage analysis

» Interface testing

6.3 Collect security process data (e.g., technical and administrative)

» Account management

» Management review and approval

» Key performance and risk indicators

» Backup verification data

6.4 Analyze test output and generate report

6.5 Conduct or facilitate security audits

» Internal

» External

» Third-party

» Training and awareness

» Disaster Recovery (DR) and Business Continuity (BC)

Domain 7:

Security Operations

7.1 Understand and support investigations

» Evidence collection and handling

» Investigative techniques

» Reporting and documentation

» Digital forensics tools, tactics, and procedures

7.2 Understand requirements for investigation types

» Administrative

» Criminal

» Civil

7.3 Conduct logging and monitoring activities

» Intrusion detection and prevention

» Security Information and Event Management (SIEM)

7.4 Securely provisioning resources

» Asset inventory

» Asset management

» Configuration management

» Regulatory » Industry standards

» Continuous monitoring » Egress monitoring

7.5 Understand and apply foundational security operations concepts

» Need-to-know/least privileges

» Separation of duties and responsibilities

» Privileged account management

7.6 Apply resource protection techniques

» Media management

» Hardware and software asset management

» Job rotation

» Information lifecycle

» Service Level Agreements (SLA)

7.7 Conduct incident management

» Detection » Recovery

» Response » Remediation

» Mitigation » Lessons learned

» Reporting

7.8 Operate and maintain detective and preventative measures

» Firewalls

» Sandboxing

» Intrusion detection and prevention systems

» Honeypots/honeynets

» Whitelisting/blacklisting

» Anti-malware

» Third-party provided security services

7.9 Implement and support patch and vulnerability management

7.10 Understand and participate in change management processes

7.11 Implement recovery strategies

» Backup storage strategies

» System resilience, high availability, Quality of Service (QoS), and fault tolerance

» Recovery site strategies

» Multiple processing sites

7.12 Implement Disaster Recovery (DR) processes

» Response

» Assessment

» Personnel

» Restoration

» Communications

» Training and awareness

7.13 Test Disaster Recovery Plans (DRP)

» Read-through/tabletop

» Parallel

» Walkthrough

» Full interruption

» Simulation

7.14 Participate in Business Continuity (BC) planning and exercises

7.15 Implement and manage physical security

» Perimeter security controls

» Internal security controls

7.16 Address personnel safety and security concerns

» Travel

» Emergency management

» Security training and awareness

» Duress

Domain 8:

Software Development Security

8.1 Understand and integrate security in the Software Development Life Cycle (SDLC)

» Development methodologies

» Change management

» Maturity models

» Integrated product team

» Operation and maintenance

8.2 Identify and apply security controls in development environments

» Security of the software environments

» Configuration management as an aspect of secure coding

» Security of code repositories

8.3 Assess the effectiveness of software security

» Auditing and logging of changes

» Risk analysis and mitigation

8.4 Assess security impact of acquired software

8.5 Define and apply secure coding guidelines and standards

» Security weaknesses and vulnerabilities at the source-code level

» Security of application programming interfaces

» Secure coding practices

Killexams Review | Reputation | Testimonials | Feedback

Take these CISSP Braindumps before you go to vacations for test prep.
Passing the CISSP exam was quite challenging for me until I came across the Braindumps provided by killexams.com. Some of the subjects seemed difficult to me, and I failed to study from the books as time was running out. Finally, the dumps helped me understand the subjects and complete my education in just 10 days. Great job, killexams.com. I am truly grateful.

Where am i able to find CISSP exam study help on internet?
I passed the CISSP exam with Killexams.com questions answers. It is a hundred percent reliable, and most of the questions were similar to what I have been given on the exam. I missed a few questions, but considering the reality that I got the rest right, I passed with the right rankings. So my recommendation is to exam the whole lot you get in your guides, and from killexams.com, that is all you want to pass CISSP.

Wonderful idea to put together CISSP genuine test questions.
I got a score of 89% in the CISSP exam, and I would recommend Killexams to anyone preparing for the exam. The exam guide and path material provided by Killexams helped me understand the subject thoroughly, and the brain dumps made passing the exam much easier. I am extremely satisfied with the results.

What is needed to pass CISSP exam?
Preparing for the CISSP exam was a challenging experience with so many complicated subjects to cover. However, with the help of killexams.com, I gained the confidence needed to pass the exam by practicing on exact questions. I scored an impressive 84%, despite encountering some twisted questions. Thanks to killexams.com, I was able to mark the correct answers.

Where need to I search to get CISSP genuine test questions?
I can vouch that killexams.com's material is reliable as I passed the CISSP exam with over 90% correct answers. The questions in their material are regularly updated, and the company has helped me more than once. As a regular user, I hope to receive a discount for my next package deal.

ISC2 Security test


While it is hard job to pick solid certification questions/answers regarding review, reputation and validity since individuals get sham because of picking incorrec service. Killexams.com ensure to serve its customers best to its efforts as for exam braindumps update and validity. Most of other's post false reports with objections about us for the brain dumps bout their customers pass their exams cheerfully and effortlessly. They never bargain on their review, reputation and quality because killexams review, killexams reputation and killexams customer certainty is imperative to us. Extraordinarily they deal with false killexams.com review, killexams.com reputation, killexams.com scam reports. killexams.com trust, killexams.com validity, killexams.com report and killexams.com that are posted by genuine customers is helpful to others. If you see any false report posted by their opponents with the name killexams scam report on web, killexams.com score reports, killexams.com reviews, killexams.com protestation or something like this, simply remember there are constantly terrible individuals harming reputation of good administrations because of their advantages. Most clients that pass their exams utilizing killexams.com brain dumps, killexams PDF questions, killexams practice questions, killexams exam VCE simulator. Visit their example questions and test brain dumps, their exam simulator and you will realize that killexams.com is the best exam braindumps site.

Which is the best dumps website?
Absolutely yes, Killexams is totally legit along with fully reputable. There are several functions that makes killexams.com traditional and legitimized. It provides informed and totally valid exam braindumps that contains real exams questions and answers. Price is extremely low as compared to the vast majority of services online. The Braindumps are up-to-date on typical basis with most exact brain dumps. Killexams account set up and products delivery is very fast. Report downloading is actually unlimited and incredibly fast. Assistance is avaiable via Livechat and Email. These are the characteristics that makes killexams.com a sturdy website that include exam braindumps with real exams questions.

Is killexams.com test material dependable?
There are several Braindumps provider in the market claiming that they provide genuine exam Questions, Braindumps, Practice Tests, Study Guides, cheat sheet and many other names, but most of them are re-sellers that do not update their contents frequently. Killexams.com is best website of Year 2024 that understands the issue candidates face when they spend their time studying obsolete contents taken from free pdf obtain sites or reseller sites. Thats why killexams.com update exam Braindumps with the same frequency as they are updated in Real Test. exam braindumps provided by killexams.com are Reliable, Up-to-date and validated by Certified Professionals. They maintain examcollection of valid Questions that is kept up-to-date by checking update on daily basis.

If you want to Pass your exam Fast with improvement in your knowledge about latest course contents and subjects of new syllabus, They recommend to obtain PDF exam Questions from killexams.com and get ready for genuine exam. When you feel that you should register for Premium Version, Just choose visit killexams.com and register, you will receive your Username/Password in your Email within 5 to 10 minutes. All the future updates and changes in Braindumps will be provided in your obtain Account. You can obtain Premium exam braindumps files as many times as you want, There is no limit.

Killexams.com has provided VCE VCE exam Software to Practice your exam by Taking Test Frequently. It asks the Real exam Questions and Marks Your Progress. You can take test as many times as you want. There is no limit. It will make your test prep very fast and effective. When you start getting 100% Marks with complete Pool of Questions, you will be ready to take genuine Test. Go register for Test in Exam Center and Enjoy your Success.

CoreSpringV3.2 practice exam | 156-215.81 cbt | H35-210_V2.5-ENU PDF Dumps | ACA-CloudNative free pdf | APD01 free exam papers | NSE7_PBC-7.2 Dumps | DES-1121 Braindumps | Google-PCA prep questions | LSAT-Logical-Reasoning dumps questions | HPE7-A01 dump questions | 300-910 demo test questions | DMV practice exam | VA-002-P cram | Salesforce-Financial-Services-Cloud test exam | DES-1D12 Latest Questions | T7 exam answers | ACF-CCP pass marks | 2B0-100 VCE exam | CTFL VCE exam | OG0-092 question test |

CISSP - Certified Information Systems Security Professional - 2024 certification
CISSP - Certified Information Systems Security Professional - 2024 genuine Questions
CISSP - Certified Information Systems Security Professional - 2024 exam format
CISSP - Certified Information Systems Security Professional - 2024 genuine Questions
CISSP - Certified Information Systems Security Professional - 2024 Latest Topics
CISSP - Certified Information Systems Security Professional - 2024 learning
CISSP - Certified Information Systems Security Professional - 2024 questions
CISSP - Certified Information Systems Security Professional - 2024 exam dumps
CISSP - Certified Information Systems Security Professional - 2024 course outline
CISSP - Certified Information Systems Security Professional - 2024 braindumps
CISSP - Certified Information Systems Security Professional - 2024 PDF Dumps
CISSP - Certified Information Systems Security Professional - 2024 exam dumps
CISSP - Certified Information Systems Security Professional - 2024 exam contents
CISSP - Certified Information Systems Security Professional - 2024 Free exam PDF
CISSP - Certified Information Systems Security Professional - 2024 exam Questions
CISSP - Certified Information Systems Security Professional - 2024 Real exam Questions
CISSP - Certified Information Systems Security Professional - 2024 tricks
CISSP - Certified Information Systems Security Professional - 2024 test
CISSP - Certified Information Systems Security Professional - 2024 teaching
CISSP - Certified Information Systems Security Professional - 2024 Latest Topics
CISSP - Certified Information Systems Security Professional - 2024 questions
CISSP - Certified Information Systems Security Professional - 2024 certification
CISSP - Certified Information Systems Security Professional - 2024 boot camp
CISSP - Certified Information Systems Security Professional - 2024 Latest Questions
CISSP - Certified Information Systems Security Professional - 2024 Question Bank
CISSP - Certified Information Systems Security Professional - 2024 course outline
CISSP - Certified Information Systems Security Professional - 2024 test
CISSP - Certified Information Systems Security Professional - 2024 testing
CISSP - Certified Information Systems Security Professional - 2024 test
CISSP - Certified Information Systems Security Professional - 2024 boot camp
CISSP - Certified Information Systems Security Professional - 2024 study help
CISSP - Certified Information Systems Security Professional - 2024 exam success
CISSP - Certified Information Systems Security Professional - 2024 exam syllabus
CISSP - Certified Information Systems Security Professional - 2024 outline
CISSP - Certified Information Systems Security Professional - 2024 exam Cram
CISSP - Certified Information Systems Security Professional - 2024 real questions
CISSP - Certified Information Systems Security Professional - 2024 information hunger
CISSP - Certified Information Systems Security Professional - 2024 syllabus
CISSP - Certified Information Systems Security Professional - 2024 PDF Dumps
CISSP - Certified Information Systems Security Professional - 2024 study help
CISSP - Certified Information Systems Security Professional - 2024 test
CISSP - Certified Information Systems Security Professional - 2024 PDF Questions
CISSP - Certified Information Systems Security Professional - 2024 exam dumps
CISSP - Certified Information Systems Security Professional - 2024 teaching

Other ISC2 exam Dumps

CISSP braindumps | ISSEP braindumps | CSSLP exam dumps | ISSMP exam prep | ISSAP VCE | HCISPP exam preparation | CCSP boot camp | SSCP writing test questions |

Best exam braindumps You Ever Experienced

IIA-CIA-Part2 braindumps | 150-130 Study Guide | PL-100 prep questions | Salesforce-Certified-Education-Cloud-Consultant dumps | 300-915 dump | COMPASS test prep | 499-01 test prep | 250-556 cheat sheet pdf | HPE2-K42 practice exam | CSLE practice exam | 050-696 exam answers | JN0-553 boot camp | 010-151 Cheatsheet | JN0-251 free pdf | ITILFND-V4 demo questions | PCEP-30-01 past exams | NCP-MCI practice test | ISEBSWTINT-001 brain dumps | JN0-1332 Free PDF | PEGACPBA86V1 test sample |

References :


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

Direct Download

CISSP 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.

CISSP Reviews

100% Valid and Up to Date CISSP 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 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.


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:


  • 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


  • 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