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 CRA?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der CRA: Certified Research Administrator Prüfung.

2022 Updated Actual CRA questions as experienced in Test Center

Laden Sie CRA Übungstest und aktuelle Fragen herunter - easy finanz | easyfinanz

Certified Research Administrator dump questions with Latest CRA practice exams | https://www.easyfinanz.cc/

RACC CRA : Certified Research Administrator test Dumps

Exam Dumps Organized by Shahid nazir



Latest 2022 Updated Syllabus
CRA test Dumps | Latest Braindumps with genuine Questions

Real Questions from Latest syllabus of CRA - Updated Daily - 100% Pass Guarantee



CRA sample Questions : Download 100% Free CRA test Dumps (PDF and VCE)

Exam Number : CRA
Exam Name : Certified Research Administrator
Vendor Name : RACC
Update : Click Here to Check Latest Update
Question Bank : Check Questions

Pass quiz in a day with killexams CRA PDF Download
We now have legitimate and max currently CRA test Concerns. killexams.com provides the certain in addition to most exact CRA Exam dumps that will pretty much contain every one tricky concerns. With all the training of the CRA test puts, a person Is short of in order to trouble about your true CRA test. Simply, an individual needs to commit 10-24 hrs in order to retain their CRA Exam Cram in addition to answers prior to a person actually face a traditional exam.

Assuming you feel that RACC CRA examination is extremely all to easy to pass using just CRA course reserve or no cost PDF braindumps accessible online, you are off-base. There are a few convoluted questions that can befuddle an individual and bring about bombing test. You must be described as a lot careful with regards to arranging material you use to get CRA examination. They have considered proper methods about this sort of issues simply by collecting genuine CRA questions in Free PDF and VCE practice examination files. It is quite simple that you can get 100 % free CRA Practice Questions through killexams.com before you use a complete group of CRA Cheatsheet. You might surely gratify with their CRA Cheatsheet and uncover a great deal of understanding of CRA test syllabus that will help get a substantial score inside real CRA exam.

Obtain dumps through killexams.com and you can backup braindumps LIBRO ELECTRONICO at any unit to read as well as memorize often the CRA questions and responses while you are upon leaves or maybe enjoying about the beach. This may save quite a lot of your time. You will get high scars with CRA Exam Questions and still have great achievement. When you sense confident, directly go to the examination center for the real CRA exam.

killexams.com is a legitimate pool of legitimate CRA Practice Test questions taken care of immediately in CRA PDF document and CRA VCE train test. CRA Cheatsheet usually are regularly transformed by RACC in genuine tests. The particular CRA Practice Test PDF survey given with killexams.com is renewed and fresh questions usually are added to examination on standard premise to maintain the document legitimate. It would be stored upon any unit like i phone, iPad, google android, laptop, clever TV, and so on You can pic CRA Practice Test to make your own personal dumps reserve. Their cross rate will be high to be able to 98% along with the difference involving their CRA questions as well as real test questions will be 98%. When you need the most effective success inside CRA test, straight away head to get RACC CRA test questions from your killexams.com website.

Web is unhealthy with CRA test blues providers your majority of all of them are selling outmoded and wrong CRA inquiries. You really want to complete battle to find out Valid as well as 2022 Current CRA Cheatsheet providers online. It is tremendously improved should you do not really want to waste your energy upon research, in essence trust on the very best CRA examination dumps company killexams.com, rather than shelling out a few bucks on incorrect and outmoded CRA Cheatsheet questions. Merely get completely free CRA Cheatsheet inquiries. You will be surely fulfilled. Fix a record to be able to get the existing and legitimate CRA Practice Test containing genuine CRA test inquiries. get CRA VCE train test for ones constant train and planning.

Get an accounts on killexams.com as well as get CRA test blues PDF any kind of time gadget such as iPad, i phone, PC, clever TV, google android to read as well as memorize the true CRA inquiries. Spend some time studying CRA Inquiries and responses to master each of the concepts connected with test matters. Especially provide full attention to practice exams with VCE practice examination, which will help you to be able to benchmark your of test preparation. You will notice these questions in the genuine exam. You might better scars when you train enough ahead of the genuine CRA exam.

Breezing through RACC Certified Research Administrator examination expect you to generate your perception pretty much most center subjects and vacation spots of CRA test. You must have know-how and train about challenging questions inquired in the genuine CRA test. For this purpose, you ought to go to killexams.com as well as get Cost-free CRA LIBRO ELECTRONICO braindumps small sample questions. If you believe that you can comprehend and train those CRA questions, you ought to purchase a document to obtain full Practice Test of CRA Practice Test. That will be your current extraordinary enhance for advance. get as well as introduce CRA VCE train test on your hard disk. Peruse CRA Cheatsheet as well as take train tests constantly with VCE practice examination. At the stage when you that is amazing you are willing to breeze over the real CRA test, visit the test area and use CRA examination.

Features of Killexams CRA Cheatsheet
-> CRA Cheatsheet get Entry in just 5 various min.
-> Full CRA Inquiries Bank
-> CRA test Achievements certain
-> Assured genuine CRA test questions
-> Latest as well as 2022 up-to-date CRA Inquiries and Solutions
-> Latest 2022 CRA Syllabus
-> get CRA test Records anywhere
-> Limitless CRA VCE test Sim Access
-> Zero Limit upon CRA Quiz get
-> Good Discount Coupons
-> 100 % Secure Buy
-> 100% Secret.
-> 100% Cost-free Exam Questions small sample Questions
-> Zero Hidden Expense
-> No Month to month Subscription
-> Zero Auto Repair
-> CRA Quiz Update Excitation by Electronic mail
-> Free Tech support team

Quiz Detail with: https://killexams.com/pass4sure/exam-detail/CRA
Costs Details with: https://killexams.com/exam-price-comparison/CRA
View Complete Collection: https://killexams.com/vendors-exam-list

Discount Voucher on Whole CRA Practice Test questions;
WC2020: 60% Toned Discount on each of your test
PROF17: 10% Even more Discount upon Value Higher than $69
DEAL17: 15% Even more Discount upon Value Higher than $99







CRA test Format | CRA Course Contents | CRA Course Outline | CRA test Syllabus | CRA test Objectives


The Certified Research Administrator® test is a computer-based examination composed of a maximum of 250 multiple-choice, objective questions with a total testing time of four (4) hours. The content for the examination is described in the Body of Knowledge on the next page.
The questions for the examination are obtained from individuals with expertise in research administration and are reviewed for construction, accuracy, and appropriateness by the RACC.
RACC, with the advice and assistance of the Professional Testing Corporation, prepares the examination.
The Certified Research Administrator® test will be weighted in approximately the following manner:
I. Project Development and Administration 30%
II. Legal Requirements and Sponsor Interface 30%
III. Financial Management 25%
IV. General Management 15%

The Research Administrators Certification Council (RACC) promotes the concept of voluntary certification by examination for all research and sponsored programs administrators. After passing this examination, an individual earns the Certified Administrator® (CRA®) designation. Certification is just one part of a process called “credentialing”. It focuses specifically on the individual and is one indication of current competence in this specialized field. Certification in research and sponsored programs administration is highly valued and provides formal recognition of basic knowledge in this field.

The Certified Research Administrator (CRA) credential means that you demonstrate a level of knowledge of all aspects of research administration. It is obtained by qualifying for and taking the CRA exam, which is administered by an independent certifying body, the Research Administrators Certification Council (RACC) http://www.cra-cert.org/(link is external). The CRA test is rigorous, and it must be taken at a designated site and it is administered through Professional Testing Corporation. In a four-hour period, test-takers must answer 250 questions that cover the full spectrum of research administration.

I. PROJECT DEVELOPMENT AND ADMINISTRATION
- Collection and Dissemination of Information
- Marketing - Internal and External
- Identification of funding opportunities
- Identification of internal capabilities
- Resource Documents, Application Materials, and Information
- Dissemination of Information/Publications
- Liaison
- Internal
- Funding sources
- Cooperative arrangements
- Public Relations
- Agency Structure and Practice
- Proposal Development
- Proposal Writing
- Budget Preparation
- Documentation to Meet Sponsor Requirements
- Internal Proposal Processing
- Negotiation Techniques
- Contracting Basics
- Administration of Awards
- Monitoring Activity
- Reports on Progress and Financial Status
- Continuation Funding
- Close Out
- Changes in Project Status
- Award Instruments
- Ethics and Professionalism
- Conflict of Interest
- Bioethics
- Human Subjects
- Animal Care
- Professional
- Intellectual Property
- Patents
- Copyrights
- Licensing
- Commercialization
- Data
- Proprietary Information
- Electronic Research Administration
II. LEGAL REQUIREMENTS AND SPONSOR INTERFACE
- Regulations and Statutes
- Overview of Regulatory and Legislative Process
- Governmental Relations
- Mandated Requirements
- Compliance - Federal Sponsors and General Management Practices
- Representations and Certifications
- Federal Drug-Free Workplace and Drug-Free Schools
- Federal Debt Delinquency
- Federal Debarment/Suspension
- Lobbying
- Conflicts of interest
- Scientific misconduct
- Other
- Federal Management Requirements
- Federal Acquisition Regulations
- Federal Assistance Administrative Regulations
- 2 CFR (Uniform Guidance and OMB Circulars)
- Institutional Committees
- Institutional Review Board
- Institutional Animal Care and Use Committee
- Other
- Federal Disclosure Requirements
- Institutional and Sponsor Publication Requirements
- HIPAA Health
- International Traffic in Arms Regulation (ITAR)/Export Administration Regulations (EAR)
- Federal/Sponsor Appeal Procedures
III. FINANCIAL MANAGEMENT
- Budgeting/Accounting
- Proposal Development
- Accounting Management
- Accounting systems/management information systems
- Sponsor documents
- Internal documents
- Accounting processes
- Effort reporting
- Service centers
- Program income
- Internal controls
- Cost transfers
- Rebudgeting
- Costs
- Direct Costs
- Indirect Costs
- Indirect Cost Rates
- Development
- Negotiation
- Cost Sharing
- Sponsor Financial Reporting
- Audit
- Types
- Internal and External Requirements
- Allowable Costs
IV. GENERAL MANAGEMENT
- Facility Management
- Specialized Facilities
- Property, Utility, and Equipment Management
- Inventory control
- Sale/disposal of equipment and property
- Lease vs. purchase
- Capital expenditures
- Sharing/pooling
- Central services
- Safety and Health Requirements and Procedures
- Hazardous and Nonhazardous Materials
- Security
- Renovation and Construction -Differentiation & Impact analysis
- Biohazards
- Other
- Contracts and Purchasing
- Basic Legal Concepts
- Management of Contracts and Purchasing
- Termination and Appeals
- Records Management
- Human Resource Management
- Employee/Labor Relations
- Career Development/Training
- Staffing
- Affirmative Action/Equal Employment Opportunity
- Compensation



Killexams Review | Reputation | Testimonials | Feedback


These CRA real test questions works within the genuine test.
Hey gents I passed my CRA test making use of the killexams.com brain dump test guide in the best 20 days of preparation. The dumps completely changed my life when I read them. Presently I am worked in a respectable corporation with an incredible income. Manner to killexams.com and the entire organization of the trutrainers. Tough situation subjects are successfully secured through them. Likewise, they provide Great reference that is beneficial for the test motive. I answered almost all questions in only 225 mins.


It is wonderful to have CRA practice Questions.
I passed the CRA exam. It changed into the first time I used killexams.com for my test training, so I did not realize what to expect. So, I got a nice marvel as killexams.com has taken aback me and passed my expectancies. The finding out engine/exercising tests work tremendously, and the questions are valid. By valid I mean that they will be genuine test questions and that I was given many of them on my genuine exam. Very dependable, and I was left with Great impressions. I would now not hesitate to propose killexams.com to my colleagues.


Just rely on this CRA genuine test source.
I honestly appreciate your work. I have passed the CRA test with the help of your mock test. It became very much helpful. I will prescribe it to the people who will see the CRA.


Is there CRA test new sayllabus available?
I am Aggarwal and I work for Smart Corp. I had applied to appear for the CRA test and was very apprehensive about it as it contained difficult case studies etc. I then applied for your question bank. My many doubts got passed due to the explanations provided for the answers. I also got the case studies in my email which were correctly solved. I appeared for the test and am happy to say that I got 73.75% and I provide you the whole credit. Further I congratulate you and look further to pass more exams with the help of your site.


Thrilled to pay attention that dumps updated CRA test are available right here.
I have been so weak my entire way yet I know now that I needed to get a pass in my CRA and this could make me popular possibly and yes I am short of radiance yet passing my exams and answered almost all questions in just 75 minutes with killexams.com dumps. A couple of great men can not bring a change to planets way however they can just let you know whether you have been the main fellow who knew how to do this and I need to be known in this world and make my particular imprint.


RACC Administrator test dumps



Obviously it is hard task to pick solid certification Braindumps concerning review, reputation and validity since individuals get scam because of picking bad service. Killexams.com ensure to serve its customers best to its value concerning test dumps update and validity. The vast majority of customers scam by resellers come to us for the test dumps and pass their exams cheerfully and effectively. They never trade off on their review, reputation and quality because killexams review, killexams reputation and killexams customer certainty is vital to us. Specially they deal with killexams.com review, killexams.com reputation, killexams.com scam report grievance, killexams.com trust, killexams.com validity, killexams.com report. In the event that you see any false report posted by their competitors with the name killexams scam report, killexams.com failing report, killexams.com scam or something like this, simply remember there are several terrible individuals harming reputation of good administrations because of their advantages. There are a great many successful clients that pass their exams utilizing killexams.com test dumps, killexams PDF questions, killexams questions bank, killexams VCE test simulator. Visit their specimen questions and test test dumps, their test simulator and you will realize that killexams.com is the best brain dumps site.

Is Killexams.com Legit?
Yes, Killexams is 100 % legit and fully well-performing. There are several capabilities that makes killexams.com traditional and genuine. It provides current and 100 % valid test dumps that contains real exams questions and answers. Price is nominal as compared to many of the services online. The Braindumps are current on usual basis through most exact brain dumps. Killexams account setup and solution delivery is incredibly fast. Data downloading is definitely unlimited and intensely fast. Aid is avaiable via Livechat and E mail. These are the characteristics that makes killexams.com a robust website offering test dumps with real exams questions.



Which is the best braindumps site of 2022?
There are several Braindumps provider in the market claiming that they provide genuine 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 2022 that understands the issue candidates face when they spend their time studying obsolete contents taken from free pdf get sites or reseller sites. Thats why killexams.com update test Braindumps with the same frequency as they are updated in Real Test. test dumps provided by killexams.com are Reliable, Up-to-date and validated by Certified Professionals. They maintain question bank 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 syllabus of new syllabus, They recommend to get PDF test 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 get Account. You can get Premium test Dumps 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 genuine Test. Go register for Test in Test Center and Enjoy your Success.




HPE2-E75 test tips | SOA-C02 english test questions | 4A0-M05 cbt | CFE-FP-D test questions | NS0-527 test Questions | CLSSMBB free practice exams | CSBA braindumps | T1-GR1 test questions | DEA-5TT1 practice questions | C9510-418 test dumps | DEA-41T1 free test papers | CCAK test questions | AD0-E314 Study Guide | Mulesoft-CD practice questions | DP-900 practice questions | 1Y0-312 get | AZ-801 Braindumps | MSFP PDF Dumps | 300-725 cheat sheet | 98-365 free pdf |


CRA - Certified Research Administrator test success
CRA - Certified Research Administrator Question Bank
CRA - Certified Research Administrator test Questions
CRA - Certified Research Administrator test contents
CRA - Certified Research Administrator course outline
CRA - Certified Research Administrator Latest Topics
CRA - Certified Research Administrator information source
CRA - Certified Research Administrator cheat sheet
CRA - Certified Research Administrator test prep
CRA - Certified Research Administrator Cheatsheet
CRA - Certified Research Administrator Practice Questions
CRA - Certified Research Administrator test
CRA - Certified Research Administrator Real test Questions
CRA - Certified Research Administrator real questions
CRA - Certified Research Administrator Cheatsheet
CRA - Certified Research Administrator test dumps
CRA - Certified Research Administrator boot camp
CRA - Certified Research Administrator cheat sheet
CRA - Certified Research Administrator syllabus
CRA - Certified Research Administrator PDF Braindumps
CRA - Certified Research Administrator information hunger
CRA - Certified Research Administrator tricks
CRA - Certified Research Administrator education
CRA - Certified Research Administrator Dumps
CRA - Certified Research Administrator learn
CRA - Certified Research Administrator test prep
CRA - Certified Research Administrator Practice Questions
CRA - Certified Research Administrator test format
CRA - Certified Research Administrator boot camp
CRA - Certified Research Administrator teaching
CRA - Certified Research Administrator education
CRA - Certified Research Administrator test dumps
CRA - Certified Research Administrator Latest Topics
CRA - Certified Research Administrator Real test Questions
CRA - Certified Research Administrator information search
CRA - Certified Research Administrator test format
CRA - Certified Research Administrator learning
CRA - Certified Research Administrator Practice Test
CRA - Certified Research Administrator Test Prep
CRA - Certified Research Administrator study help
CRA - Certified Research Administrator Free test PDF
CRA - Certified Research Administrator test Questions
CRA - Certified Research Administrator cheat sheet
CRA - Certified Research Administrator test Questions
CRA - Certified Research Administrator teaching
CRA - Certified Research Administrator Real test Questions
CRA - Certified Research Administrator test Questions
CRA - Certified Research Administrator test dumps
CRA - Certified Research Administrator braindumps
CRA - Certified Research Administrator learning
CRA - Certified Research Administrator learning
CRA - Certified Research Administrator test Braindumps
CRA - Certified Research Administrator boot camp



Best Certification test Dumps You Ever Experienced


CRA mock test |





References :


http://killexams-braindumps.blogspot.com/2020/06/anyone-can-pass-cra-exam-with-our-pdf.html
https://killexams-posting.dropmark.com/817438/23586709
https://www.instapaper.com/read/1317368386
https://killexams-posting.dropmark.com/817438/23680169
http://feeds.feedburner.com/SearchingForCraExamDumpsThatWorksInRealExam
https://files.fm/f/x63hcyyk
http://ge.tt/6sIZir63
https://www.4shared.com/office/LogNq87Mea/Certified-Research-Administrat.html
https://ello.co/killexamz/post/zsvhy7igpnveacbcypiwnq
https://www.4shared.com/video/uOjS3p2Eiq/Certified-Research-Administrat.html
https://spaces.hightail.com/space/v47qz1ixkg/files/fi-d8b6ceeb-c05e-467a-b3c9-d7ca1d63c7f8/fv-271eef86-7364-4a4b-acca-5832529ead85/Certified-Research-Administrator-(CRA).pdf#pageThumbnail-1
https://youtu.be/41pK3zgm8cU
https://sites.google.com/view/killexams-cra-pdf-questions
http://killexamsbraindumps2.isblog.net/cra-certified-research-administrator-updated-cheet-sheet-by-killexams-com-14593182
https://justpaste.it/CRA-1
http://killexams.decksrusct.com/blog/certification-exam-dumps/cra-certified-research-administrator-practice-test-with-real-question-by-killexams-com-2/



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






Direct Download

CRA 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.

CRA Reviews

100% Valid and Up to Date CRA 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