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 CPCM?
Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der CPCM: Certified Professional Contracts Manager Prüfung.
2025 Updated Actual CPCM questions as experienced in Test Center
Aktuelle CPCM Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz
![]() NCMA CPCM : Certified Professional Contracts Manager test Questions, MCQs and Practice TestPractice Test Organized by Martin Hoax |
Latest 2025 MCQs of NCMA Certified Professional Contracts Manager
CPCM test Questions & Practice Test, MCQs in Premium PDF and Test Engine
MCQs practice test and Free Test Engine Software - MCQs Updated on Daily Basis
Big Discount / Cheapest price & 100% Success Rate
CPCM MCQs : Download 100% Free CPCM test Questions (PDF and VCE)
Exam Number : CPCM
Exam Name : Certified Professional Contracts Manager
Vendor Name : NCMA
Update : Click Here to Check Latest Update
Total MCQs : Check Questions
Here are updated and valid test engine to pass CPCM exam
At killexams.com, they deliver the latest and most up-to-date CPCM exam questions featuring Mock Exam and Latest Questions, meticulously designed to cover all new Topics of the NCMA CPCM Exam. Sharpen your skills by practicing with their authentic Questions and Answers, ensuring a deep understanding of the subject matter and boosting your chances of achieving top scores. They certain your success at the Exam Center by comprehensively addressing every test Topic and strengthening your expertise in the CPCM exam. Trust their p
If you are seeking the latest and most current practice exams to excel in the NCMA CPCM test and secure a high-paying career opportunity, Killexams.com is your ultimate solution. By registering with their exclusive discount coupons, you gain access to 2025-updated, authentic CPCM questions. Their dedicated team of experts diligently collects genuine CPCM test questions to ensure you pass the CPCM test effortlessly. With their 100% discount guarantee, you can get refreshed CPCM test questions at no cost with every login.
While some providers may offer CPCM Actual Questions, it is critical to secure the most valid and 2025-updated CPCM exam questions. Avoid relying on free online resources, and instead trust Killexams.com for the most dependable CPCM exam questions available. Seize your chance to pass the NCMA CPCM test and elevate your career—enroll with Killexams.com today.

CPCM test Format | CPCM Course Contents | CPCM Course Outline | CPCM test Syllabus | CPCM test Objectives
Exam : CPCM
Exam Name : Certified Professional Contracts Manager
Questions : 150
Passing Scores : 70%
Duration : 1 hr 30 min.
KE Questions cover the following areas;
------------------------------------
- Oral and Written Communication Techniques
- Effective Listening Techniques
- Self-Awareness Techniques
- Team Leadership Techniques
- Customer Relationship Management (CRM) Techniques
- Networking Techniques
- Decision-Making Techniques
- Critical-Thinking Techniques
- Conflict Management Techniques
- Succession Planning Techniques
- Management Tools and Techniques
- Generally Accepted Accounting Principles
- Analysis of Financial Statements
- Principles of Budgeting
- Principles of Economics
- Principles of Marketing
- Life Cycle Management
- Change Management Strategies
- Principles of Financial Management
- Principles of Project Management
- Risk Analysis and Mitigation Strategies
- Principles of Supply Chain Management
- Defining Team Roles and Responsibilities
- Problem-Solving Techniques
- Strategic Planning and Execution
- Forms of Legal Relationships
- Organizational Regulations, Codes, Policies, and Procedures
- Professional Standards of Conduct and Codes of Ethics
- Classes of Agents
- Basis of Authority of Agents to Act
- Contract Law
- Contract Funding Laws, Policies, and Procedures
- Intellectual Property
- Requirements Identification Techniques
- Elements of Planning
- Market Research Techniques and Tools
- Lifecycle Management
- Performance-Based Acquisition
- Unique Organizational Pre-Award Practices
- Electronic Contracting Tools
- Organizational and Personal Conflict of Interest Identification and Mitigation Strategies
- Types of Contracts
- Other Contracts, Agreements, and Arrangements
- Methods to Solicit Offers
- Contract Incentives
- Contract Financing Options
- Legal Entity Structures
- Elements of a Solicitation Package
- Elements of a Proposal Package
- Proposal Evaluation Factors
- Owner-Provided Property
- Contract Negotiation Strategies and Tactics
- Proposal Evaluation Techniques
- Unique Organizational Award Practices
- Pricing and Payments
- Price and Cost Analysis
- Contract Format Methods
- Documentation Techniques to Mitigate Risk
- Types of Contract Changes
- Contract Change Management
- Elements of a Subcontract Package
- Subcontract Management Techniques
- Legal Dispute Resolution
- Alternate Dispute Resolution Methods
- Forms of Contract Termination
- Unique Organizational Post-Award Practices
- Inspection and Acceptance
- Quality Assurance Principles
- Quality Management Principles
- Types of Audits
- Contract Close-Out Procedures
- Career Planning and Development
- Professional Development Techniques
- Goal Setting
- Skills Gap Analysis
- Developing a Learning Organization
- SWOT Analysis
- Knowledge Transfer Evaluation Techniques
- Life Balance Tools and Techniques
- Innovation Development and Implementation Techniques
- Understand the pre-award phase of contract management.
- Develop acquisition strategies.
- Conduct market research and analysis.
- Define requirements and specifications.
- Assess risks and develop risk mitigation plans.
- Acquisition planning
- Market analysis
- Requirements development
- Risk management
- Contract types (fixed-price, cost-reimbursement, etc.)
- Source selection planning
- Understand the solicitation and award process.
- Develop requests for proposals (RFPs) and invitations for bids (IFBs).
- Evaluate proposals and bids.
- Negotiate terms and conditions.
- Ensure compliance with regulations and policies.
- Solicitation methods
- Proposal preparation and evaluation
- Negotiation techniques
- Contract pricing and cost analysis
- Terms and conditions (T&Cs)
- Federal Acquisition Regulation (FAR) and other regulatory frameworks
- Manage contract performance and deliverables.
- Monitor compliance with contract terms.
- Handle modifications and change orders.
- Resolve disputes and claims.
- Ensure proper documentation and reporting.
- Performance monitoring
- Contract modifications
- Dispute resolution
- Payment and invoicing processes
- Quality assurance and control
- Subcontract management
- Finalize contract deliverables and obligations.
- Conduct audits and inspections.
- Resolve outstanding issues.
- Document lessons learned.
- Ensure proper contract closure.
- Final delivery and acceptance
- Financial closeout
- Audit and inspection processes
- Lessons learned documentation
- Contract file management
- Understand ethical principles in contract management.
- Apply professional standards and codes of conduct.
- Handle conflicts of interest.
- Promote transparency and fairness.
- NCMA Code of Ethics
- Ethical decision-making
- Conflict of interest management
- Professional responsibility
- Understand legal principles governing contracts.
- Ensure compliance with federal, state, and local regulations.
- Handle intellectual property (IP) and data rights.
- Address labor laws and environmental regulations.
- Contract law fundamentals
- Intellectual property rights
- Data rights and protection
- Labor laws (e.g., Service Contract Act, Davis-Bacon Act)
- Environmental regulations
- Understand financial principles in contract management.
- Manage budgets and costs.
- Analyze pricing and payment structures.
- Ensure financial compliance and reporting.
- Cost analysis and pricing
- Budgeting and forecasting
- Payment structures (progress payments, milestone payments, etc.)
- Financial reporting and audits
- Identify and assess risks in contract management.
- Develop risk mitigation strategies.
- Monitor and control risks throughout the contract lifecycle.
- Risk identification and exam
- Risk mitigation planning
- Risk monitoring and control
- Contingency planning
- Acquisition Planning
- Request for Proposal (RFP)
- Invitation for Bid (IFB)
- Federal Acquisition Regulation (FAR)
- Fixed-Price Contract
- Cost-Reimbursement Contract
- Change Order
- Performance Work Statement (PWS)
- Termination for Convenience
- Termination for Default
- Subcontract
- Intellectual Property (IP)
- Data Rights
- Service Contract Act (SCA)
- Davis-Bacon Act
- Risk Mitigation
- Lessons Learned
- Audit
- Ethics
- Compliance
Killexams Review | Reputation | Testimonials | Feedback
Get high scores in the CPCM test with little time for study.
Accurate test questions demo questions instilled the confidence I needed to pass the CPCM test with a remarkable 91%. Despite some tricky questions, their clear answers guided me to the correct responses, making the preparation process smooth and effective.
Am I able to find actual test Dumps for the latest CPCM exam?
After experimenting with various test questions materials, I can confidently say that Killexams.com stands above the rest. Their CPCM practice test and test questions were incredibly accurate, helping me achieve an outstanding 95% score. The questions were not just memorization tools but taught me how to approach the test strategically.
I found a real source for actual CPCM test questions.
I can confidently say that Killexams provides the best CPCM test training I have ever come across. I passed the test without any pressure, issues, or frustration, thanks to their valid questions. Their money-back certain also works, but it was not necessary as their material made it easy to pass. I plan to use Killexams for my future certification tests.
It is excellent! I got CPCM practice tests.
I consider myself fortunate to have found killexams.com test questions materials for the CPCM exam. Their comprehensive resources made learning and mastering each Topic effortless, leading to an 85% score on 58 questions. I strongly encourage my peers to use this platform for its seamless and effective study experience.
No waste of time searching the internet! I found the exact source of CPCM questions and answers.
I want to extend a heartfelt thanks to the Killexams.com team for their Dumps related to the CPCM exam. They provided excellent solutions to my queries, and I felt confident facing the test. Many of the questions in the test were similar to those in the guide, so I believe it is still valid. I appreciate the effort put in by the team members, and I hope they create more such study guides in the future.
NCMA Manager Real test Questions
CPCM Exam
| Question: Which is best CPCM actual question website? Answer: Killexams.com is the best CPCM practice test provider. Killexams CPCM question bank contains up-to-date and 100% valid CPCM question bank with the new syllabus. Killexams has provided the shortest CPCM questions for busy people to pass CPCM test without studying massive course books. If you go through these CPCM questions, you are more than ready to take the test. They recommend taking your time to study and practice CPCM practice test until you are sure that you can answer all the questions that will be asked in the actual CPCM exam. For a full version of CPCM test prep, visit killexams.com and register to get the complete question bank of CPCM test test prep. These CPCM test questions are taken from actual test sources, that's why these CPCM test questions are sufficient to read and pass the exam. Although you can use other sources also for improvement of knowledge like textbooks and other aid material these CPCM questions are sufficient to pass the exam. |
| Question: What are the benefits of CPCM test prep? Answer: The benefit of CPCM test prep is to get to the point knowledge of test questions rather than going through huge CPCM course books and contents. These questions contain actual CPCM questions and answers. By studying and understanding the complete question bank greatly improves your knowledge about the core Topics of the CPCM exam. It also covers the latest syllabus. These test questions are taken from CPCM actual test source, that's why these test questions are sufficient to read and pass the exam. Although you can use other sources also for improvement of knowledge like textbooks and other aid material these questions are sufficient to pass the exam. |
| Question: How can I check if there is any update of CPCM test questions? Answer: Killexams team will inform you by email when the CPCM test in your get section will be updated. If there is no change in the CPCM questions and answers, you do not need to get again and again the same document. |
| Question: Which website provides latest test prep? Answer: Killexams.com is the best CPCM practice test provider. Killexams CPCM question bank contains up-to-date and 100% valid CPCM question bank with the new syllabus. Killexams has provided the shortest CPCM questions for busy people to pass CPCM test without studying massive course books. If you go through these CPCM questions, you are more than ready to take the test. They recommend taking your time to study and practice CPCM practice test until you are sure that you can answer all the questions that will be asked in the actual CPCM exam. For a full version of CPCM test prep, visit killexams.com and register to get the complete question bank of CPCM test test prep. These CPCM test questions are taken from actual test sources, that's why these CPCM test questions are sufficient to read and pass the exam. Although you can use other sources also for improvement of knowledge like textbooks and other aid material these CPCM questions are sufficient to pass the exam. |
| Question: Can I get Dumps of the updated CPCM exam? Answer: Of course, You can get up-to-date and valid CPCM questions and answers. These are the latest and up-to-date CPCM practice test that contain real test questions from test centers. When you will memorize these questions, it will help you get Good Score in the exam. |
https://www.pass4surez.com/art/read.php?keyword=NCMA+Manager+Real+Exam+Questions&lang=us&links=remove
Choosing the right resource for certification preparation can be challenging, as candidates seek reliable, high-quality and accurate materials to ensure success. Killexams.com is dedicated to providing top-tier practice exams containing actual questions, meticulously updated to maintain accuracy and relevance. Their commitment to excellence has earned the trust of countless satisfied candidates who have successfully passed their exams with ease and confidence. At Killexams.com, they prioritize quality, credibility, and customer satisfaction, ensuring their practice tests, PDF questions, and test simulators are designed to deliver exceptional value. They stand by their reputation, built on consistent positive feedback and proven results. Be cautious of misleading claims from competitors attempting to undermine their trusted service. With thousands of successful candidates and a robust suite of preparation tools, Killexams.com is your dependable partner for certification success. Explore their demo questions and test simulators to experience why they are recognized as a leading provider of certification practice tests.
Which is the best practice exams website?
Yes, Killexams is fully legit and also fully dependable. There are several functions that makes killexams.com authentic and authentic. It provides up to par and fully valid test questions formulated with real exams questions and answers. Price is minimal as compared to many of the services on internet. The Dumps are up graded on regular basis with most recent questions. Killexams account make and products delivery is amazingly fast. File downloading will be unlimited and fast. Aid is avaiable via Livechat and Email address. These are the features that makes killexams.com a robust website that supply test prep with real exams questions.
Is killexams.com test material dependable?
Many websites claim to provide actual test Questions, Braindumps, Practice Test, Study Guides, and cheat sheets, but most of them are simple re-sellers offering outdated content. Killexams.com stands out in 2025 as the leading platform that truly understands the challenges candidates face when wasting time on obsolete materials from free PDF sites or reseller sources. That is why Killexams.com regularly updates its MCQs to match the latest Real test Questions. Every question in the Killexams.com MCQs is reliable, verified, and kept up-to-date by certified professionals who monitor daily test updates.
If you want to pass your test quickly while also improving your knowledge of the latest syllabus topics, they strongly recommend downloading the PDF MCQs, test Questions and practice test from Killexams.com. Preparing with these resources ensures that you are ready for the actual exam. When you upgrade to the Premium Version, simply register at Killexams.com — you will receive your Username and Password within 5 to 10 minutes by email. All future updates to MCQs are automatically included in your account, and you can get the updated files as many times as needed without restrictions.
To make your preparation even more effective, Killexams.com provides Test Engine Software. This tool allows you to practice with Real test Questions, track your progress, and take unlimited practice tests. The more you practice, the faster and more confident you become. Once you consistently achieve 100% marks with the complete pool of updated questions, you will be fully prepared to take the actual test at the Exam Center and achieve success.
HDI-SDA study material | INBDE actual questions | GAFM-CEL mock test | NCEES-PE-Civil-Transportation practice test | Florida-Property-and-Casualty ACTUAL EXAM QUESTIONS | GAFM-CPES actual questions | DCAD Dumps | 156-315.81.20 mock test | AEPA free questions | 46150T mock questions | GAFM-ChFC pass marks | CEA-C01 practice questions | AZ-104 prep questions | JN0-664 test questions | 1V0-61.21 free study guide | AwardEWSAL621 demo questions | IAFN-SANE-P online test | BCS-AIF test results | GAFM-CIS test example | CQE free pdf |
CPCM - Certified Professional Contracts Manager study help
CPCM - Certified Professional Contracts Manager questions
CPCM - Certified Professional Contracts Manager test questions
CPCM - Certified Professional Contracts Manager Practice Test
CPCM - Certified Professional Contracts Manager teaching
CPCM - Certified Professional Contracts Manager techniques
CPCM - Certified Professional Contracts Manager Practice Questions
CPCM - Certified Professional Contracts Manager syllabus
CPCM - Certified Professional Contracts Manager book
CPCM - Certified Professional Contracts Manager premium pdf
CPCM - Certified Professional Contracts Manager test questions
CPCM - Certified Professional Contracts Manager testprep
CPCM - Certified Professional Contracts Manager education
CPCM - Certified Professional Contracts Manager information hunger
CPCM - Certified Professional Contracts Manager Latest Topics
CPCM - Certified Professional Contracts Manager premium pdf
CPCM - Certified Professional Contracts Manager PDF download
CPCM - Certified Professional Contracts Manager cheat sheet
CPCM - Certified Professional Contracts Manager test
CPCM - Certified Professional Contracts Manager testprep
CPCM - Certified Professional Contracts Manager study help
CPCM - Certified Professional Contracts Manager information hunger
CPCM - Certified Professional Contracts Manager Questions and Answers
CPCM - Certified Professional Contracts Manager answers
CPCM - Certified Professional Contracts Manager test Questions
CPCM - Certified Professional Contracts Manager test syllabus
CPCM - Certified Professional Contracts Manager test contents
CPCM - Certified Professional Contracts Manager practice tests
CPCM - Certified Professional Contracts Manager guide
CPCM - Certified Professional Contracts Manager test prep
CPCM - Certified Professional Contracts Manager PDF Questions
CPCM - Certified Professional Contracts Manager certification
CPCM - Certified Professional Contracts Manager syllabus
CPCM - Certified Professional Contracts Manager Question Bank
CPCM - Certified Professional Contracts Manager outline
CPCM - Certified Professional Contracts Manager test help
CPCM - Certified Professional Contracts Manager test help
CPCM - Certified Professional Contracts Manager premium pdf
CPCM - Certified Professional Contracts Manager test prep
CPCM - Certified Professional Contracts Manager Test Prep
CPCM - Certified Professional Contracts Manager outline
CPCM - Certified Professional Contracts Manager information source
CPCM - Certified Professional Contracts Manager Practice Test
CPCM - Certified Professional Contracts Manager test questions
Other NCMA MCQs and Practice Test
Best MCQs and practice test You Ever Experienced
4A0-103 braindumps | CertRVL619 test questions | NBPI free test papers | CIMAPRA19-P03-1-ENG pdf download | NPTE test practice | L5M2 pdf download | GAFM-MSSP test prep | GAFM-CHEP latest pdf | MS-102 Free PDF | Pediatric-Urology cheat sheet | GAFM-CMS practice test | CSM-001 examcollection | CVA test training | 4A0-C04 test preparation | GAFM-CIOMP actual questions | BCS-BAP test cram | CTAL-TTA-001 test dump | ABVM-ENDO test prep questions | AAMA-CMA test answers | C1000-121 testprep |
References :
http://killexams-braindumps.blogspot.com/2020/06/kill-test-with-cpcm-cheatsheet-at-first.html
https://killexams-posting.dropmark.com/817438/23711646
https://www.instapaper.com/read/1323677407
https://www.coursehero.com/file/67823389/Certified-Professional-Contracts-Manager-CPCM-CPCMpdf/
https://sites.google.com/view/killexams-cpcm-pdf-dumps
http://feeds.feedburner.com/HereIsTheBestsPlaceToGetHelpPassCpcmExam
https://youtu.be/yD9oHlu6JHM
https://files.fm/f/d6s7ek4p9
Similar Websites :
Pass4sure Certification test Practice Tests
Pass4Sure Certification Question Bank
CPCM Reviews by Customers
Customer Reviews help to evaluate the exam performance in real test. Here all the reviews, reputation, success stories and ripoff reports provided.
100% Valid and Up to Date CPCM 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

