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 CPSM-Exam-1?
Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der CPSM-Exam-1: CPSM Exam 1: Foundation of Supply Management - 2025 Prüfung.
2025 Updated Actual CPSM-Exam-1 questions as experienced in Test Center
Aktuelle CPSM-Exam-1 Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz
![]() ISM CPSM-Exam-1 : CPSM test 1: Foundation of Supply Management - 2025 Practice TestsPractice Tests Organized by Lee |
Latest 2025 Updated ISM CPSM test 1: Foundation of Supply Management - 2025 Syllabus
CPSM-Exam-1 dumps questions with Premium PDF and Test Engine
Practice Tests and Free VCE Software - Questions Updated on Daily Basis
Big Discount / Cheapest price & 100% Pass Guarantee
CPSM-Exam-1 dumps questions : Download 100% Free CPSM-Exam-1 practice questions (PDF and VCE)
Exam Number : CPSM-Exam-1
Exam Name : CPSM test 1: Foundation of Supply Management - 2025
Vendor Name : ISM
Update : Click Here to Check Latest Update
Question Bank : Check Questions
Peruse these CPSM-Exam-1 questions and replies before the genuine test
To prepare for the CPSM-Exam-1 test, they recommend acquiring the most recent, legitimate, and cutting-edge CPSM-Exam-1 Cram Guide, VCE practice test, and dedicating 24 hours to review. You can download valid, updated, and latest CPSM-Exam-1 Free test PDF with the VCE test simulator from killexams.com. Study PDF files, take practice questions with VCE, and that's all you need.
Our PDF Questions and Answers has been a reliable source for many applicants who have succeeded in passing the CPSM-Exam-1 test. With their comprehensive CPSM-Exam-1 Question Bank, it is rare for a candidate to study and practice their materials and get poor scores or fail in actual tests. In fact, most of their candidates have experienced significant improvement in their knowledge and passed the CPSM-Exam-1 test on their first attempt. This is because they not only read their CPSM-Exam-1 Question Bank but also work hard to understand the subjects and master the skills required to work as experts in organizations.
At killexams.com, they go beyond just helping candidates pass the CPSM-Exam-1 test with their questions and answers. Their goal is to help them gain a deeper understanding of the CPSM-Exam-1 courses and objectives, which is crucial for their success as professionals. They encourage candidates to practice with their VCE test simulator and to review their materials repeatedly until they achieve a score of 100 percent. Once they feel confident, they can go to the Test Center and take the CPSM-Exam-1 test with ease, knowing that they have the necessary knowledge and skills to succeed.

CPSM-Exam-1 test Format | CPSM-Exam-1 Course Contents | CPSM-Exam-1 Course Outline | CPSM-Exam-1 test Syllabus | CPSM-Exam-1 test Objectives
Exam Name: CPSM test 1: Foundation of Supply Management
Certification: Part of the Certified Professional in Supply Management (CPSM) program
Administered By: Institute for Supply Management (ISM)
Exam Format: Multiple-choice questions
Number of Questions: 165 questions
Duration: 2 hours and 45 minutes (165 minutes)
Passing Score: Scaled score of 400 or higher (on a scale of 100 to 600)
Delivery Method: Computer-based testing at approved testing centers or online proctored exam
- Procurement
- Procurement processes and strategies
- Sourcing methods
- single sourcing
- multiple sourcing
- global sourcing
- supplier identification and selection
- Procurement ethics and compliance
- Procurement technology and tools
- e-procurement
- ERP systems
- Request for Proposal (RFP)
- Request for Quotation (RFQ)
- Purchase Order (PO)
- Total Cost of Ownership (TCO)
- Make-or-Buy Decision
- Strategic Sourcing
- Spend Analysis
- supplier Relationship Management
- supplier evaluation and qualification
- supplier performance management
- supplier development and collaboration
- supplier risk management
- Contract management and negotiation
- Key Performance Indicators (KPIs)
- Service Level Agreement (SLA)
- supplier Scorecard
- supplier Diversity
- supplier Relationship Management (SRM)
- Contract Compliance
- Supply Chain Management
- Supply chain design and optimization
- Inventory management
- Just-in-Time
- Economic Order Quantity
- Logistics and transportation management
- Demand planning and forecasting
- Supply chain risk management
- Supply Chain Visibility
- Bullwhip Effect
- Lean Supply Chain
- Demand Forecasting
- Inventory Turnover Ratio
- Lead Time
- Legal and Contractual Issues
- Contract law basics
- Intellectual property rights
- Legal and regulatory compliance
- Dispute resolution mechanisms
- Ethical and sustainable procurement practices
- Uniform Commercial Code (UCC)
- Force Majeure
- Breach of Contract
- Indemnification
- Non-Disclosure Agreement (NDA)
- Incoterms
- FOB
- CIF
- DDP
- Cost and Financial Management
- Cost analysis and reduction strategies
- Budgeting and financial planning
- Total Cost of Ownership (TCO)
- Cost modeling and price analysis
- Financial statements and metrics
- Cost-Benefit Analysis
- Return on Investment (ROI)
- Fixed Costs vs. Variable Costs
- Direct vs. Indirect Costs
- Activity-Based Costing (ABC)
- Working Capital
- Risk Management
- Risk identification and exam
- Risk mitigation strategies
- Supply chain disruptions and contingency planning
- Cybersecurity risks in supply management
- Risk Appetite
- Risk Mitigation
- Business Continuity Planning (BCP)
- Force Majeure
- Risk Register
- Contingency Plan
- Quality Management
- Quality standards and certifications
- ISO 9001
- Quality control and assurance
- Continuous improvement methodologies
- Six Sigma
- Lean
- supplier quality management
- Total Quality Management (TQM)
- Quality Assurance (QA)
- Quality Control (QC)
- Defect Rate
- Root Cause Analysis
- Continuous Improvement (Kaizen)
- Technology and Data Analytics
- Procurement and supply chain technologies
- ERP
- MRP
- SCM software
- Data analytics and reporting
- Automation and artificial intelligence in supply management
- Blockchain and its applications in supply chain
- Enterprise Resource Planning (ERP)
- Material Requirements Planning (MRP)
- Big Data Analytics
- Predictive Analytics
- Internet of Things (IoT)
- Blockchain
- Sustainability and Social Responsibility
- Sustainable sourcing practices
- Environmental and social responsibility in supply chains
- Ethical sourcing and fair trade
- Circular economy principles
- Corporate Social Responsibility (CSR)
- Carbon Footprint
- Green Procurement
- Circular Supply Chain
- Fair Trade
- Triple Bottom Line
- People
- Planet
- Profit
- Global Supply Management
- Global sourcing strategies
- International trade regulations and compliance
- Cultural considerations in global supply chains
- Currency and payment risks
- Incoterms
- EXW
- CIF
- DDP
- Tariffs and Duties
- Free Trade Agreements (FTA)
- Letter of Credit (LC)
- Exchange Rate Risk
- Global Sourcing
- Project Management
- Project planning and execution
- Stakeholder management
- Project risk management
- Project performance measurement
- Work Breakdown Structure (WBS)
- Critical Path Method (CPM)
- Gantt Chart
- Project Charter
- Stakeholder Analysis
- Project Lifecycle
- Communication and Negotiation
- Effective communication strategies
- Negotiation techniques and tactics
- Conflict resolution
- Cross-functional collaboration
- BATNA (Best Alternative to a Negotiated Agreement)
- Win-Win Negotiation
- Active Listening
- Stakeholder Engagement
- Conflict Resolution
- Persuasion Techniques
Killexams Review | Reputation | Testimonials | Feedback
It's very easy to get certified in the CPSM-Exam-1 test with these free Practice Tests.
I found the quick and concise answers provided by killexams.com to be extremely helpful in my test preparation. With the aid of their Questions Answers guide, I was able to answer 75 out of 80 questions within the allotted time and earned a score of 80%. My goal is to become a Certified CPSM-Exam-1, and killexams.com helped me get closer to achieving it by providing their guide just two weeks before the exam.
I feel very confident with the CPSM-Exam-1 question bank.
I am still in disbelief that I passed the CPSM-Exam-1 exam, and I owe it all to killexams.com. Without their help, I would never have achieved such a high score. I am extremely grateful to them for their invaluable assistance.
What is required to pass the CPSM-Exam-1 test with little effort?
In conclusion, I highly recommend killexams.com for anyone preparing for the CPSM-Exam-1 exam. Their test education Questions Answers are reliable, and their resources provide everything you need to pass the exam. Thanks to killexams.com, I passed the CPSM-Exam-1 test with flying colors and now recommend it to anyone looking for test preparation materials.
I found an accurate source for actual CPSM-Exam-1 test questions.
I had an excellent experience using the CPSM-Exam-1 practice material from killexams.com, and I passed the test without any issues. Everything they promised was precise, and I am grateful for their support. The test experience was seamless, and I would like to thank them for their services.
What is needed to pass the CPSM-Exam-1 exam?
I fully trusted the practice questions from killexams.com for my CPSM-Exam-1 test coaching and passed the test with ease. Their method of using the actual pool of test questions used by the supplier helped me become familiar with almost all the questions in the exam. The reliability of their services is evident in their money-back guarantee.
ISM test education
CPSM-Exam-1 Exam
User: Slavka*****![]() ![]() ![]() ![]() ![]() If you want to change your destiny and ensure happiness in your future, you must work hard. Working hard alone is not enough; you need guidance to lead you in the right direction. I was fortunate to discover Killexams.com during my test preparation, and it helped me achieve my desired grades. Thanks to the materials provided by Killexams.com, I was able to succeed in my cpsm-exam-1 exam. |
User: Songya*****![]() ![]() ![]() ![]() ![]() Enrolling in killexams.com was an opportunity for me to pass the CPSM-EXAM-1 test and tackle its difficult questions. If it were not for this website, I would not have been able to pass the exam. After failing once, I was shattered, but finding this website made the process much smoother. |
User: William*****![]() ![]() ![]() ![]() ![]() My name is Suman Kumar, and I obtained 89.25% in the cpsm-exam-1 test using Killexams.com test material. I am grateful for the valuable test practice test, as the explanations to the answers were excellent. Killexams.com provided me with outstanding questions and answers, and the unique feature of this dumps questions is the distinct answers that helped me understand the concepts and mathematical calculations better. |
User: Matias*****![]() ![]() ![]() ![]() ![]() Thanks to the CPSM-EXAM-1 test practice questions from Killexams.com, I finally received my CPSM-EXAM-1 Certification. I failed this test the first time around, and I knew that this time, it was now or never. I used the respectable e-book, but I also saved time practicing with Killexams, and it helped. Killexams.com focused exactly on what you will get in the exam. Even though they sometimes asked inappropriate questions, I was prepared and executed the project well. |
User: Tanja*****![]() ![]() ![]() ![]() ![]() After failing my cpsm-exam-1 exam, I searched online for a solution and came across Killexams.com. I found that they had everything I needed to pass the exam, including practice tests, questions, answers, and an test simulator. With their help, I was able to score 98%, and I am extremely grateful to the Killexams.com team for their support. |
CPSM-Exam-1 Exam
Question: Where will I find real test Questions & Answers of CPSM-Exam-1 exam? Answer: You are in right place. You should visit killexams.com for the latest and up-to-date actual CPSM-Exam-1 test questions and answers. You will be able to download up-to-date CPSM-Exam-1 real questions. If there will be any update in the exam, it will be automatically copied in your download section and you will receive an intimation email. You can memorize and practice these Questions Answers with the VCE test simulator. It will train you enough to get good marks in the exam. |
Question: Do killexams test simulator provide test history? Answer: Yes, killexams save your history. You can see your performance in taking tests. So you can see your performance date and time-wise, your performance graphs are also provided. |
Question: What will I do if I do not receive killexams login Information after purchase? Answer: Killexams servers setup user account within a couple of minutes and send login information immediately but sometimes, users email server drop their emails in spam/junk and the user thinks that killexams did not set up the account as promised. There could be other issues like approval of payment. Their servers are automatic and they work immediately after payment is successful. In such a case, you should contact live support or send an email to support and wait until your login information is manually sent to you. |
Question: I mistakenly buy wrong exam, What can I do? Answer: You should contact the support team via email or live chat. They will let you know, how you can switch your order to get your required exam. |
Question: CPSM-Exam-1 test questions are changed, Where can I obtain a new question bank? Answer: Killexams keep on checking update and change/update the CPSM-Exam-1 test dumps questions and test simulator accordingly. You will receive an update notification to re-download the CPSM-Exam-1 test files. You can then login to your account and download the test files accordingly. |
https://www.pass4surez.com/art/read.php?keyword=ISM+Exam+education&lang=us&links=remove
Unquestionably it is hard assignment to pick dependable certification questions/answers assets regarding review, reputation and validity since individuals get sham because of picking incorrectly benefit. Killexams.com ensure to serve its customers best to its assets concerning ACTUAL EXAM QUESTIONS update and validity. The vast majority of other's sham report dissension customers come to us for the brain dumps and pass their exams joyfully and effortlessly. They never trade off on their review, reputation and quality on the grounds that killexams review, killexams reputation and killexams customer certainty is imperative to us. Uniquely they deal with killexams.com review, killexams.com reputation, killexams.com sham report objection, killexams.com trust, killexams.com validity, killexams.com report and killexams.com scam. On the off chance that you see any false report posted by their rivals with the name killexams sham report grievance web, killexams.com sham report, killexams.com scam, killexams.com protest or something like this, simply remember there are constantly awful individuals harming reputation of good administrations because of their advantages. There are a huge number of fulfilled clients that pass their exams utilizing killexams.com brain dumps, killexams PDF questions, killexams hone questions, killexams test simulator. Visit Killexams.com, their specimen questions and test brain dumps, their test simulator and you will realize that killexams.com is the best brain dumps site.
Which is the best practice questions website?
Sure, Killexams is totally legit plus fully good. There are several includes that makes killexams.com legitimate and straight. It provides current and totally valid test questions filled with real exams questions and answers. Price is small as compared to many of the services on internet. The Questions Answers are modified on normal basis together with most latest questions. Killexams account setup and item delivery is really fast. Submit downloading is unlimited and incredibly fast. Help support is avaiable via Livechat and Electronic mail. These are the features that makes killexams.com a sturdy website that provide test prep with real exams questions.
Is killexams.com test material dependable?
There are several Questions Answers provider in the market claiming that they provide actual test Questions, Braindumps, Practice Tests, Study Guides, cheat sheet and many other names, but most of them are re-sellers that do not update their contents frequently. Killexams.com is best website of Year 2025 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 test Questions Answers with the same frequency as they are updated in Real Test. test questions provided by killexams.com are Reliable, Up-to-date and validated by Certified Professionals. They maintain dumps questions of valid Questions that is kept up-to-date by checking update on daily basis.
If you want to Pass your test Fast with improvement in your knowledge about latest course contents and courses of new syllabus, They recommend to download PDF test Questions from killexams.com and get ready for actual exam. When you feel that you should register for Premium Version, Just choose visit killexams.com and register, you will receive your Username/Password in your Email within 5 to 10 minutes. All the future updates and changes in Questions Answers will be provided in your download Account. You can download Premium practice questions files as many times as you want, There is no limit.
Killexams.com has provided VCE practice questions Software to Practice your test by Taking Test Frequently. It asks the Real test Questions and Marks Your Progress. You can take test as many times as you want. There is no limit. It will make your test prep very fast and effective. When you start getting 100% Marks with complete Pool of Questions, you will be ready to take actual Test. Go register for Test in Test Center and Enjoy your Success.
MOVF Free PDF | C1000-151 dump questions | Servicenow-CIS-HR english test questions | CNN test cram | CHA mock test | MTCNA practice test | MA0-103 mock test | ICDL-NET test prep | ACE-A1.2 practice test | ABEM-EMC test Cram | 1D0-610 PDF download | GMAT-Verbal free questions | IAPP-CIPP-C free questions | ACA-Developer model question | SOFE-AFE practice questions | MCD-Level-2 practice questions | Salesforce-Financial-Services-Cloud cram | IREB cbt | S2000-018 test prep | H35-582-ENU Study help |
CPSM-Exam-1 - CPSM test 1: Foundation of Supply Management - 2025 test cram
CPSM-Exam-1 - CPSM test 1: Foundation of Supply Management - 2025 Premium PDF
CPSM-Exam-1 - CPSM test 1: Foundation of Supply Management - 2025 test Questions
CPSM-Exam-1 - CPSM test 1: Foundation of Supply Management - 2025 test prep
CPSM-Exam-1 - CPSM test 1: Foundation of Supply Management - 2025 test
CPSM-Exam-1 - CPSM test 1: Foundation of Supply Management - 2025 information search
CPSM-Exam-1 - CPSM test 1: Foundation of Supply Management - 2025 techniques
CPSM-Exam-1 - CPSM test 1: Foundation of Supply Management - 2025 test contents
CPSM-Exam-1 - CPSM test 1: Foundation of Supply Management - 2025 Free test PDF
CPSM-Exam-1 - CPSM test 1: Foundation of Supply Management - 2025 Real test Questions
CPSM-Exam-1 - CPSM test 1: Foundation of Supply Management - 2025 test Questions
CPSM-Exam-1 - CPSM test 1: Foundation of Supply Management - 2025 PDF Download
CPSM-Exam-1 - CPSM test 1: Foundation of Supply Management - 2025 exam
CPSM-Exam-1 - CPSM test 1: Foundation of Supply Management - 2025 testprep
CPSM-Exam-1 - CPSM test 1: Foundation of Supply Management - 2025 Premium PDF
CPSM-Exam-1 - CPSM test 1: Foundation of Supply Management - 2025 Practice Test
CPSM-Exam-1 - CPSM test 1: Foundation of Supply Management - 2025 testing
CPSM-Exam-1 - CPSM test 1: Foundation of Supply Management - 2025 test Questions
CPSM-Exam-1 - CPSM test 1: Foundation of Supply Management - 2025 book
CPSM-Exam-1 - CPSM test 1: Foundation of Supply Management - 2025 test
CPSM-Exam-1 - CPSM test 1: Foundation of Supply Management - 2025 answers
CPSM-Exam-1 - CPSM test 1: Foundation of Supply Management - 2025 book
CPSM-Exam-1 - CPSM test 1: Foundation of Supply Management - 2025 testprep
CPSM-Exam-1 - CPSM test 1: Foundation of Supply Management - 2025 Question Bank
CPSM-Exam-1 - CPSM test 1: Foundation of Supply Management - 2025 learn
CPSM-Exam-1 - CPSM test 1: Foundation of Supply Management - 2025 test help
CPSM-Exam-1 - CPSM test 1: Foundation of Supply Management - 2025 outline
CPSM-Exam-1 - CPSM test 1: Foundation of Supply Management - 2025 techniques
CPSM-Exam-1 - CPSM test 1: Foundation of Supply Management - 2025 Latest Questions
CPSM-Exam-1 - CPSM test 1: Foundation of Supply Management - 2025 PDF Questions
CPSM-Exam-1 - CPSM test 1: Foundation of Supply Management - 2025 real questions
CPSM-Exam-1 - CPSM test 1: Foundation of Supply Management - 2025 questions
CPSM-Exam-1 - CPSM test 1: Foundation of Supply Management - 2025 Practice Test
CPSM-Exam-1 - CPSM test 1: Foundation of Supply Management - 2025 practice tests
CPSM-Exam-1 - CPSM test 1: Foundation of Supply Management - 2025 test questions
CPSM-Exam-1 - CPSM test 1: Foundation of Supply Management - 2025 Real test Questions
CPSM-Exam-1 - CPSM test 1: Foundation of Supply Management - 2025 information hunger
CPSM-Exam-1 - CPSM test 1: Foundation of Supply Management - 2025 test success
CPSM-Exam-1 - CPSM test 1: Foundation of Supply Management - 2025 Latest Topics
CPSM-Exam-1 - CPSM test 1: Foundation of Supply Management - 2025 Practice Test
CPSM-Exam-1 - CPSM test 1: Foundation of Supply Management - 2025 test success
CPSM-Exam-1 - CPSM test 1: Foundation of Supply Management - 2025 actual Questions
CPSM-Exam-1 - CPSM test 1: Foundation of Supply Management - 2025 techniques
CPSM-Exam-1 - CPSM test 1: Foundation of Supply Management - 2025 Free PDF
Other ISM Practice Tests
630-007 Practice Questions | 630-008 Study help | CPSM-Exam-1 test cram | CPSM-Exam-2 Latest Topics | CPSM-Exam-3 prep questions | 630-005 Questions and Answers | 630-006 assessment test sample |
Best practice questions You Ever Experienced
VCS-260 mock test | E20-526 test cram | S1000-009 pass marks | NCP-MCI-6.5 practice questions | CIMAPRO15-E03-X1-ENG test prep | C1000-120 test papers | CMGT-BC Practice Test | 101-500 test Questions | IAFN-SANE-A examcollection | C1000-083 sample test | TCP-BW6 questions answers | DES-5221 pass exam | QQ0-401 test Questions | JN0-251 free study guide | EUCOC free questions | 201-450 pdf exam | VMCE2021 test questions | 156-215.81 Latest Topics | 2V0-72.22 practice questions | CPCE sample questions |
References :
Similar Websites :
Pass4sure Certification test Practice Tests
Pass4Sure Certification Question Bank
CPSM-Exam-1 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 CPSM-Exam-1 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