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 CSLE?
Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der CSLE: National-Interstate Council Cosmetology Licensing Exam Prüfung.
2023 Updated Actual CSLE questions as experienced in Test Center
Aktuelle CSLE Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz
![]() Certification-Board CSLE : National-Interstate Council Cosmetology ACTUAL EXAM QUESTIONSExam Dumps Organized by Richard |
Latest 2023 Updated Syllabus
CSLE ACTUAL EXAM QUESTIONS | Latest Braindumps with genuine Questions
Real Questions from Latest courses of CSLE - Updated Daily - 100% Pass Guarantee
CSLE demo Questions : Download 100% Free CSLE ACTUAL EXAM QUESTIONS (PDF and VCE)
Exam Number : CSLE
Exam Name : National-Interstate Council Cosmetology Licensing Exam
Vendor Name : Certification-Board
Update : Click Here to Check Latest Update
Question Bank : Check Questions
Individuals train these CSLE Practice Questions for getting 100 percent scars
killexams.com gives the Most current and 2022 refreshed killexams CSLE Exam Questions with Real CSLE Test Questions for new subjects associated with Certification-Board CSLE Exam. Process their Real CSLE Queries Strengthen your insight and finish your test with High Marks. Many of us ensure your accomplishment inside the Test Middle, covering each last one of the subjects on the test and improving your Knowledge of typically the CSLE analyze. Pass with a 100 percent assure with their right inquiries.
Finishing Certification-Board National-Interstate Council Cosmetology Licensing Exam analyze expect you to generate your understanding pretty much almost all center subjects and targets of CSLE test. Easily going through CSLE coursebook is simply not sufficient. You happen to be needed to possess information in addition to practice concerning precarious queries posed inside genuine CSLE test. This is why, you ought to visit killexams.com and get Free CSLE PDF real questions demo concerns. Assuming you imagine that you can be aware and run through those CSLE questions, it is best to purchase a report to get full Exam Cram of CSLE braindumps. That will be your own extraordinary enhance for advancement. get
in addition to introduce CSLE VCE analyze system on your hard disk. Peruse CSLE Exam Cram in addition to take exercise tests constantly with VCE test technique. At the stage when you suppose you are willing finish the original CSLE analyze, go to analyze focus in addition to register for CSLE test.
With killexams.com, they supply the most up-to-date National-Interstate Council Cosmetology Licensing Exam prospectus, Valid in addition to forward-thinking Certification-Board CSLE Exam Cram that are the most beneficial to piece of cake through National-Interstate Council Cosmetology Licensing Exam test. Studying support your needs as an specialist inside your connections. They have the standing to support with peopling breeze over the CSLE analyze in their initially endeavor. Setup of their real questions stays towards the top inside the latest two years. As a consequence of their CSLE Exam Cram consumers that believe in their braindumps and VCE for their authentic CSLE analyze. killexams.com is the most awesome in CSLE genuine analyze questions. Most of us keep the CSLE Exam Cram substantial in addition to state-of-the-art continuously. These National-Interstate Council Cosmetology Licensing Exam test puts will ensure to work with you with breezing through the analyze with great grades.
Popular features of Killexams CSLE Exam Cram
-> Instantaneous CSLE Exam Cram get
Gain access to
-> Comprehensive CSLE Questions in addition to Answers
-> 98% Success Charge of CSLE test
-> Secured genuine CSLE test concerns
-> CSLE Inquiries Updated about Regular foundation.
-> Valid in addition to 2022 Up to date CSLE ACTUAL EXAM QUESTIONS
-> totally Portable CSLE test Data files
-> Full highlighted CSLE VCE test Sim
-> No Restrict on CSLE test Down load Access
-> Excellent Discount Coupons
-> totally Secured Down load Account
-> totally Confidentiality Made sure
-> 100% Achievements ensure
-> totally Free Practice Test demo Inquiries
-> No Disguised . Cost
-> Absolutely no Monthly Costs
-> No Automated Account Reconstruction
-> CSLE Test Update Appel by E-mail
-> Free Tech support team
Test Detail on: https://killexams.com/pass4sure/exam-detail/CSLE
Charges Details on: https://killexams.com/exam-price-comparison/CSLE
Find Complete Record: https://killexams.com/vendors-exam-list
Discount Promotion on Complete CSLE Exam Cram Exam Cram;
WC2020: 60 per cent Flat Price cut on each test
PROF17: 10% Further Price cut on Valuation Greater than $69
DEAL17: 15% Further Price cut on Valuation Greater than 99 dollars

CSLE test Format | CSLE Course Contents | CSLE Course Outline | CSLE test Syllabus | CSLE test Objectives
NIC Practical Cosmetology test Core Content
A practical examination is an important component for assessing your competence in cosmetology. The NIC cosmetology practical examination covers the following core content:
- Hair-shaping
- Chemical waving
- Chemical relaxing
- Hair lightening and hair coloring
- Thermal curling
Further, depending on your state, you may also be tested in the following areas:
- Blow-drying styling
- Shaping and pin curl placement
- Roller placement
- Facials
- Manicuring
- Sculptured nails
Although you should always refer to your state guidelines for a list of required supplies, the required general supplies for the NIC cosmetology practical examination include:
- Dry storage kit/container
- Hand sanitizer
- Mannequin head and a table clamp
- A towel placed between the clamp and the table
- EPA registered disinfectant
- Container/bag for soiled/trash items
- Container/bag for items to be disinfected
- Cloth and paper towels
- Neck strips
- Shampoo cape
- Hair clamps
- Combs/hair brushes
- Spray bottle
- Protective cream
- Spatula
- Protective cotton
- Protective gloves
- First aid supply kit
- Tape
When taking the NIC cosmetology practical examination, you will want to ensure you follow all test rules and instructions, including:
Do not leave the test area without permission.
- You must bring your own test kit in sanitary condition.
- You must bring a container of water if needed for any section of the exam. You may also bring a thermos of hot water, if desired.
- You will be given 10 minutes for client protection and for setting up your supplies.
- You will be given 2 minutes in between each section of the test for setting up the required supplies.
- You will receive verbal instructions twice before beginning each section of the exam.
- Once you have completed the tasks of a specific section, step back from your work station to indicate that you have finished.
- Always ensure you are following all appropriate public protection and infection control procedures during all phases of the exam.
- You may not bring your cell phone or any other electronic device, handwritten notes, or any other printed materials into the test room.
- You may not talk with any other candidates during the testing period.
- Depending on your state, you will use either a live model or a mannequin head/hand for the exam.
If you are allowed to use a model, you must adhere to the following guidelines:
- Your model must be at least 15 years old and cannot be a licensed cosmetologist or cosmetology student.
- Your model must present ID to gain admittance into the exam.
- Your model must agree to submit to all services during the test and may not participate in any way during the exam.
- Your model cannot talk to you at any time during the exam.
Killexams Review | Reputation | Testimonials | Feedback
Where am i able to obtain CSLE real test question?
This is the achievement of killexams, now not mine. Very person pleasant CSLE test simulator and authentic CSLE questions and answers.
Actual test questions updated CSLE exam! extraordinary source.
Hey gents I passed my CSLE 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.
Do you want dumps latest syllabus CSLE test to clean the exam?
I was about to supply up the test CSLE because I was not confident in whether I would pass or not. With just a week remaining I decided to switch to killexams.com braindumps for my test preparation. Never thought that the courses that I had always run away from would be so much fun to study; its easy and short way of getting to the points made my preparation a lot easier. All thanks to killexams.com questions and answers, I never thought I would pass my test but I did pass with flying colors.
Can you agree with that every one CSLE questions I had have been requested in real exam.
That is the pleasant CSLE aid on the internet. killexams.com is one I consider. What they gave to me is greater valuable than money, they gave me training. I was studying
for my CSLE test when I made an account on right here and what I was given in return employed merely like magic for me and I was very surprised at how splendid it felt. My CSLE test appeared like an unmarried passed issue to me and I performed achievement.
It is right source to find CSLE genuine test questions paper.
I am ranked very high among my class pals on the listing of outstanding college students however it most effective came about once I registered in killexams.com for a few test help. It turned into the high ranking studying software in killexams.com that helped me in joining the excessive ranks at the side of other top-notch college students of my elegance. The dumps in killexams.com are great due to the fact they will be specific and Greatly useful for training through CSLE pdf, CSLE dumps, and CSLE books. I am satisfied to put in writing those words of appreciation due to the fact killexams.com merits it. Thank you.
Certification-Board National-Interstate cheat sheet
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 ACTUAL EXAM QUESTIONS 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 test VCE simulator. Visit their example questions and test brain dumps, their test simulator and you will realize that killexams.com is the best ACTUAL EXAM QUESTIONS site.
Is Killexams.com Legit?
Indeed, Killexams is fully legit and fully trusted. There are several benefits that makes killexams.com genuine and authentic. It provides informed and fully valid ACTUAL EXAM QUESTIONS filled with real exams questions and answers. Price is surprisingly low as compared to the vast majority of services online. The Dumps are refreshed on ordinary basis utilizing most exact brain dumps. Killexams account arrangement and supplement delivery is extremely fast. Report downloading is definitely unlimited and extremely fast. Aid is avaiable via Livechat and Email address. These are the characteristics that makes killexams.com a robust website offering ACTUAL EXAM QUESTIONS with real exams questions.
Which is the best braindumps site of 2023?
There are several Dumps 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 2023 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 Dumps with the same frequency as they are updated in Real Test. ACTUAL EXAM QUESTIONS 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 courses 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 Dumps will be provided in your get
Account. You can get
Premium ACTUAL EXAM QUESTIONS files as many times as you want, There is no limit.
Killexams.com has provided VCE VCE test 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.
MB-800 test questions | CWS-100 cram | MS-100 test questions | DA-100 free practice questions | NAB-NHA practice questions | PEGAPCLSA86V2 test demo | CWNA-107 bootcamp | WorkKeys question test | CPQ-211 test questions | 156-110 braindumps | 101 dump | ACP-600 test test | MB-310 test Questions | 2V0-31.21 test Braindumps | AD0-E106 dumps | JN0-334 braindumps | HPE2-T37 Dumps | Google-PCE practice questions | PAM-DEF-SEN braindumps | CIMAPRA19-P03-1-ENG VCE |
CSLE - National-Interstate Council Cosmetology Licensing test techniques
CSLE - National-Interstate Council Cosmetology Licensing test PDF Download
CSLE - National-Interstate Council Cosmetology Licensing test test
CSLE - National-Interstate Council Cosmetology Licensing test PDF Download
CSLE - National-Interstate Council Cosmetology Licensing test boot camp
CSLE - National-Interstate Council Cosmetology Licensing test Practice Questions
CSLE - National-Interstate Council Cosmetology Licensing test Practice Test
CSLE - National-Interstate Council Cosmetology Licensing test exam dumps
CSLE - National-Interstate Council Cosmetology Licensing test exam syllabus
CSLE - National-Interstate Council Cosmetology Licensing test exam contents
CSLE - National-Interstate Council Cosmetology Licensing test braindumps
CSLE - National-Interstate Council Cosmetology Licensing test Free test PDF
CSLE - National-Interstate Council Cosmetology Licensing test teaching
CSLE - National-Interstate Council Cosmetology Licensing test teaching
CSLE - National-Interstate Council Cosmetology Licensing test PDF Download
CSLE - National-Interstate Council Cosmetology Licensing test study help
CSLE - National-Interstate Council Cosmetology Licensing test outline
CSLE - National-Interstate Council Cosmetology Licensing test exam success
CSLE - National-Interstate Council Cosmetology Licensing test exam contents
CSLE - National-Interstate Council Cosmetology Licensing test Exam dumps
CSLE - National-Interstate Council Cosmetology Licensing ACTUAL EXAM QUESTIONS
CSLE - National-Interstate Council Cosmetology Licensing test Exam Questions
CSLE - National-Interstate Council Cosmetology Licensing test Exam Braindumps
CSLE - National-Interstate Council Cosmetology Licensing test cheat sheet
CSLE - National-Interstate Council Cosmetology Licensing test guide
CSLE - National-Interstate Council Cosmetology Licensing test Exam Questions
CSLE - National-Interstate Council Cosmetology Licensing test techniques
CSLE - National-Interstate Council Cosmetology Licensing test learning
CSLE - National-Interstate Council Cosmetology Licensing test PDF Dumps
CSLE - National-Interstate Council Cosmetology Licensing test test prep
CSLE - National-Interstate Council Cosmetology Licensing test test
CSLE - National-Interstate Council Cosmetology Licensing test Questions and Answers
CSLE - National-Interstate Council Cosmetology Licensing test PDF Download
CSLE - National-Interstate Council Cosmetology Licensing test tricks
CSLE - National-Interstate Council Cosmetology Licensing test Exam Questions
CSLE - National-Interstate Council Cosmetology Licensing test education
CSLE - National-Interstate Council Cosmetology Licensing test PDF Braindumps
CSLE - National-Interstate Council Cosmetology Licensing ACTUAL EXAM QUESTIONS
CSLE - National-Interstate Council Cosmetology Licensing test Test Prep
CSLE - National-Interstate Council Cosmetology Licensing test Test Prep
CSLE - National-Interstate Council Cosmetology Licensing test Questions and Answers
CSLE - National-Interstate Council Cosmetology Licensing test exam format
CSLE - National-Interstate Council Cosmetology Licensing test Test Prep
CSLE - National-Interstate Council Cosmetology Licensing test tricks
CSLE - National-Interstate Council Cosmetology Licensing test exam success
CSLE - National-Interstate Council Cosmetology Licensing test Exam Braindumps
CSLE - National-Interstate Council Cosmetology Licensing test teaching
CSLE - National-Interstate Council Cosmetology Licensing test exam syllabus
CSLE - National-Interstate Council Cosmetology Licensing test PDF Dumps
CSLE - National-Interstate Council Cosmetology Licensing test PDF Download
CSLE - National-Interstate Council Cosmetology Licensing test book
CSLE - National-Interstate Council Cosmetology Licensing test study help
CSLE - National-Interstate Council Cosmetology Licensing test Exam Questions
Best Certification ACTUAL EXAM QUESTIONS You Ever Experienced
RACP Test Prep | FSOT practice test | MTEL PDF Dumps | BCB-Analyst online test | ABFM boot camp | NRP Latest Questions | SBAC test Braindumps | NAB-NHA mock questions | NLN-PAX certification demo | NCE test test | STAAR free pdf | ISEE practice questions | CSLE Cheatsheet | DMV practice questions | CDL braindumps | TCRN test demo | ABCTE Free test PDF | ICTS cheat sheet | ABPN-VNE demo test | NCC assessment test demo |
References :
https://killexams-posting.dropmark.com/817438/23586706
http://killexams-braindumps.blogspot.com/2020/07/csle-questions-are-changed-today.html
https://www.instapaper.com/read/1323092855
http://ge.tt/53uV5W53
https://drp.mk/i/0dBYqhzqLz
https://www.4shared.com/office/-vubAHt8ea/National-Interstate-Council-Co.html
https://www.4shared.com/video/PBfOUv1aea/National-Interstate-Council-Co.html
https://youtu.be/_haOEsoGaDI
http://feeds.feedburner.com/RealCsleQuestionsThatAppearedInTestToday
https://www.clipsharelive.com/video/4567/csle-national-interstate-council-cosmetology-licensing-exam-practice-test-with-real-question-by-killexams-com
https://sites.google.com/view/killexams-csle-study-guide
https://justpaste.it/CSLE
https://ello.co/killexamz/post/q08p8olvhmyhhyum8enciw
http://killexams.decksrusct.com/blog/certification-exam-dumps/csle-national-interstate-council-cosmetology-licensing-exam-dumps-with-real-questions-by-killexams-com/
https://spaces.hightail.com/space/v47qz1ixkg/files/fi-bc0ac6c2-098c-4702-9b13-40f51b275d0c/fv-b3f903aa-fd59-4cb5-84f5-de49207ef6e4/DMX-Migration-(E20-617).pdf#pageThumbnail-1
https://files.fm/f/xmnv7j9wu
Similar Websites :
Pass4sure Certification ACTUAL EXAM QUESTIONS
Pass4Sure test Questions and Dumps
CSLE 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 CSLE 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