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 CTEL?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der CTEL: California Teacher of English Learners Prüfung.

2023 Updated Actual CTEL questions as experienced in Test Center

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

California Teacher of English Learners actual questions with Latest CTEL practice questions | https://www.easyfinanz.cc/

Teacher-Certification CTEL : California Teacher of English Learners test Dumps

Exam Dumps Organized by Martin Hoax



Latest 2023 Updated Syllabus
CTEL test Dumps | Latest Braindumps with actual Questions

Real Questions from Latest courses of CTEL - Updated Daily - 100% Pass Guarantee



CTEL demo Questions : Download 100% Free CTEL test Dumps (PDF and VCE)

Exam Number : CTEL
Exam Name : California Teacher of English Learners
Vendor Name : Teacher-Certification
Update : Click Here to Check Latest Update
Question Bank : Check Questions

Most latest Queries of CTEL test receive at killexams. com
killexams.com provide latest Pass4sure CTEL Free PDF with Real CTEL Practice Test. Process these Authentic Questions as well as Answers to boost your perception and piece of cake through your CTEL test with a great rating. They make sure you 100% that if you memorize all these CTEL Study Guide and process, You will go with great score.

Teacher-Certification CTEL test target is to very clear your models about central concepts connected with California Teacher of English Learners. Just CTEL course textbooks can not try this task. You have to make a strong effort to visit on CTEL interesting designs. You ought to check out killexams.com to get Free CTEL Free PDF issues and examine completely. Should you feel that you may hold individuals CTEL issues, you ought to get full PDF Dumps of CTEL Cheatsheet. That will be very first incredible progress toward advancement. download and install VCE practice examination in your COMPUTER. Memorize as well as understand CTEL Cheatsheet as well as take the training tests whenever you can with VCE practice examination. When you think you have commited to memory all the questions from the California Teacher of English Learners issues bank, create a real examination.
Attributes of Killexams CTEL Cheatsheet
-> Immediate CTEL Cheatsheet download Easy access
-> Comprehensive CTEL Questions as well as Answers
-> 98% Success Level of CTEL test
-> Confirmed actual CTEL test issues
-> CTEL Issues Updated about Regular time frame.
-> Valid as well as 2022 Current CTEL Quiz Dumps
-> totally Portable CTEL test Documents
-> Full presented CTEL VCE test Sim
-> No Restrict on CTEL test Obtain Access
-> Excellent Discount Coupons
-> totally Secured Obtain Account
-> totally Confidentiality Guaranteed
-> 100% Good results ensure
-> totally Free Free PDF demo Issues
-> No Undetectable Cost
-> Zero Monthly Rates
-> No Auto Account Repair
-> CTEL Quiz Update Appel by E-mail
-> Free Tech support team

Quiz Detail from: https://killexams.com/pass4sure/exam-detail/CTEL
Prices Details from: https://killexams.com/exam-price-comparison/CTEL
View Complete Checklist: https://killexams.com/vendors-exam-list

Discount Coupon code on Total CTEL Cheatsheet PDF Dumps;
WC2020: 60 per cent Flat Low cost on each quiz
PROF17: 10% Further Low cost on Price Greater than $69
DEAL17: 15% Further Low cost on Price Greater than 99 dollars







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


California Teachers of English Learners (CTEL)
Program Leading to Certification to Teach

The Commission is the agency of California government that licenses teachers and other professionals who serve in the public schools. As the policy-making body that establishes and maintains standards for the education profession in the state, the Commission is concerned with the quality and effectiveness of the preparation of teachers and other school practitioners. On behalf of the education profession and the general public, one of the Commissions most important responsibilities is to establish and implement strong, effective standards of quality for the preparation and test of teachers who will teach English learners.

AB 2987, passed in 1992 (California Education Code sections 44253.1- 44253.6), created a two-tiered teacher certification structure for teaching English learners. Known as the Bilingual, Crosscultural, Language and Academic Development test and Certificate, this structure has been in effect from 1994 to the present, and it consists of the following six tests or domains:
• Test 1: Language Structure and First- and Second-Language Development;
• Test 2: Methodology of Bilingual Instruction, English Language Development and Content Instruction;
• Test 3: Culture and Cultural Diversity;
• Test 4: Methodology for Primary-Language Instruction;
• Test 5: The Culture of Emphasis; and
• Test 6: The Language of Emphasis (listening, reading, speaking, and writing)
The first tier, called Crosscultural, Language and Academic Development (CLAD) Certificate, authorizes instruction for English Language Development (ELD) and Specially Designed Academic Instruction in English (SDAIE). Candidates must pass the first 3 Tests (above) to earn this certification. The second level, called the Bilingual Crosscultural, Language and Academic Development (BCLAD) Certificate, authorizes instruction in ELD and SDAIE as well as instruction for primary-language development and content instruction in the primary language. Candidates must pass all six tests in order to earn the BCLAD Certificate.

The Standards of Program Quality and Effectiveness for Professional Teacher Preparation Programs were also referenced by the panel in its development of the CTEL Knowledge, Skills, and Abilities and the CTEL Program Standards. This was to ensure that content of CTEL Programs and the CTEL test were closely aligned with the relevant content in the 2042 multiple and single subject teaching credential, since all of these routes lead to an equivalent English learner authorization. The standards of the national professional organizations such as those adopted by TESOL (Teachers of English to Speakers of Other Languages) also served as a guide and provided a comprehensive perspective for panel members

The ELIDT developed two types of standards to guide institutional responses and expert review for CTEL Programs. The first type, called “Program Design Standards”, make up Category I of the CTEL Program Standards. These standards inform institutions about the organizational structures and resources required for sponsorship of a CTEL program. Category II of the Standards Specific to CTEL Programs provides guidance on the instructional content of the curriculum as well as the competencies that candidates must demonstrate in order to meet the requirements of the CLAD Certificate. These standards, called the “Candidate Competency Standards” are closely aligned with the CTEL Knowledge, Skills, and Abilities.
Once the ELIDT completed the draft CTEL standards, Commission staff worked with formatting and organization in order to align with the most currently-developed standards of quality for teacher preparation. The Commission adopted the Standards of Quality and Effectiveness for California Teachers of English Learners (CTEL) Programs Leading to CLAD Certification on November 30, 2006.
Language and Language Development
Domain 1:
Language Structure
and Use
Phonology and Morphology
Syntax and Semantics
Language Functions and Variations
Discourse
Pragmatics
Domain 2:
Additive Language
Development
Theories, Processes, and Stages of Language Acquisition
Theories, Models, and Processes of Second-Language Acquisition
Cognitive, Linguistic, and Physical Factors Affecting Language
Development
Affective Factors Affecting Language Development
Sociocultural and Political Factors Affecting Language
Development
Assessment
and
Instruction
Domain 1:
Assessment of
English Learners
Principles of Standards-Based Assessment and Instruction
Role, Purposes, and Types of Assessment
Language and Content-Area Assessment
Domain 2:
Foundations of
English
Language/Literacy
Development and
Content Instruction
Foundations of Programs for English Learners
Foundations of English Language Literacy
Instructional Planning and Organization for ELD and SDAIE
Components of Effective Instructional Delivery in ELD and SDAIE
Effective Resource Use in ELD and SDAIE
Domain 3:
Approaches and
Methods for ELD
and Content
Instruction
ELD – Approaches and Methods
ELD – Listening and Speaking
ELD – studying and Writing
Specially Designed Academic Instruction in English (SDAIE)
Culture and
Inclusion
Domain 1:
Culture and Cultural
Diversity and Their
Relationship to
Academic
Achievement
Cultural Concepts and Perspectives
Cultural Contact
Cultural Diversity in California and the United States
Crosscultural Interaction
Domain 2:
Culturally Inclusive
Instruction
The Role of Culture in the Classroom and School
Culturally Inclusive Learning Environment
Family and Community Involvement
Culturally Inclusive Curriculum and Instruction



Killexams Review | Reputation | Testimonials | Feedback


How long exercise is required for CTEL exam?
I looked for the dumps which fulfill my unique needs on the CTEL test dumps. The killexams.com dumps knocked out all my doubts in a short time. First time in my career, I attend the CTEL test with only one preparation material and succeed with a great score. I am really satisfied, but the reason I am here to congratulate you on the excellent support you provided in the form of study material.


Obtained an accurate source for actual CTEL updated dumps.
My name is Suman Kumar. I have got 89.25% in the CTEL test once you have your test materials. Thanks for presenting this type of useful test material as the reasons for the answers are excellent. Thank you killexams.com for the notable question bank. The excellent factor about this examcollection is the designated answers. It enables me to understand the idea and mathematical calculations.


Weekend have a study is enough to pass CTEL test with these questions.
I put together people for CTEL test problem and refer all to your website for similarly developed making ready. that is positively the fine website that offers strong test material. this is the fine product I understand, as I have been going to several locales if no longer all, and I have presumed that killexams.com dumps for CTEL is truly up to the mark. a whole lot obliged killexams.com and the test simulator.


I obtained a excellent location for CTEL question .
I organized CTEL with the help of killexams.com and observed that they have got quite suitable stuff. I can pass for otherTeacher-Certification tests as great as I passed these.


Proper knowledge and study with the CTEL Q&A and braindumps!
Nice, I passed the CTEL exam. The killexams.com Q&A helped a lot. Very beneficial indeed. passed the CTEL with 95%. I am positive each person can pass the test after completing your tests. The factors have been very helpful. Thanks. It becomes a tremendous enjoyment with killexams.com in terms of the collection of questions, their interpretation, and the demo in which you have set the papers. I am thankful to you and deliver a complete credit score to you guys for my fulfillment.


Teacher-Certification of dumps



Obviously it is hard task to pick solid certification Q&A 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 totally legit and also fully good. There are several features that makes killexams.com unique and legitimate. It provides up to par and totally valid test dumps comprising real exams questions and answers. Price is really low as compared to many of the services on internet. The Q&A are up to date on common basis with most latest brain dumps. Killexams account build up and supplement delivery is rather fast. File downloading is usually unlimited and also fast. Service is avaiable via Livechat and Contact. These are the features that makes killexams.com a sturdy website that provide test dumps with real exams questions.



Which is the best braindumps site of 2023?
There are several Q&A 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 2023 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 Q&A 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 examcollection 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 Q&A will be provided in your download Account. You can download 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 actual Test. Go register for Test in Exam Center and Enjoy your Success.




Salesforce-nCino-201 study guide | DVA-C01 past exams | 300-615 braindumps | 500-440 Cheatsheet | ASVAB-Assembling-Objects test papers | Nutanix-NCP pass marks | CRT-450 PDF Dumps | 102-500 model question | DEA-41T1 practice questions | Google-AAD practice test | 200-901 online test | DEX-450 demo test | Professional-Cloud-DevOps-Engineer test questions | SPLK-1001 free practice questions | NS0-194 demo test questions | ADM-201 study material | 300-920 test Questions | DES-6332 test dumps | SAA-C02 Latest Questions | HESI-A2 test questions |


CTEL - California Teacher of English Learners Study Guide
CTEL - California Teacher of English Learners braindumps
CTEL - California Teacher of English Learners outline
CTEL - California Teacher of English Learners book
CTEL - California Teacher of English Learners book
CTEL - California Teacher of English Learners test syllabus
CTEL - California Teacher of English Learners Free test PDF
CTEL - California Teacher of English Learners dumps
CTEL - California Teacher of English Learners Free test PDF
CTEL - California Teacher of English Learners Questions and Answers
CTEL - California Teacher of English Learners study help
CTEL - California Teacher of English Learners test dumps
CTEL - California Teacher of English Learners Latest Questions
CTEL - California Teacher of English Learners learn
CTEL - California Teacher of English Learners Real test Questions
CTEL - California Teacher of English Learners teaching
CTEL - California Teacher of English Learners PDF Questions
CTEL - California Teacher of English Learners information hunger
CTEL - California Teacher of English Learners learning
CTEL - California Teacher of English Learners teaching
CTEL - California Teacher of English Learners study help
CTEL - California Teacher of English Learners test format
CTEL - California Teacher of English Learners PDF Download
CTEL - California Teacher of English Learners study tips
CTEL - California Teacher of English Learners Dumps
CTEL - California Teacher of English Learners education
CTEL - California Teacher of English Learners information source
CTEL - California Teacher of English Learners Latest Questions
CTEL - California Teacher of English Learners Latest Topics
CTEL - California Teacher of English Learners Latest Questions
CTEL - California Teacher of English Learners test Cram
CTEL - California Teacher of English Learners test Questions
CTEL - California Teacher of English Learners test Questions
CTEL - California Teacher of English Learners test
CTEL - California Teacher of English Learners test Questions
CTEL - California Teacher of English Learners test success
CTEL - California Teacher of English Learners test syllabus
CTEL - California Teacher of English Learners Cheatsheet
CTEL - California Teacher of English Learners test Braindumps
CTEL - California Teacher of English Learners learning
CTEL - California Teacher of English Learners test contents
CTEL - California Teacher of English Learners test
CTEL - California Teacher of English Learners Cheatsheet
CTEL - California Teacher of English Learners Practice Test
CTEL - California Teacher of English Learners syllabus
CTEL - California Teacher of English Learners Question Bank
CTEL - California Teacher of English Learners PDF Download
CTEL - California Teacher of English Learners PDF Questions
CTEL - California Teacher of English Learners boot camp
CTEL - California Teacher of English Learners information source
CTEL - California Teacher of English Learners Free PDF
CTEL - California Teacher of English Learners teaching
CTEL - California Teacher of English Learners Test Prep



Best Certification test Dumps You Ever Experienced


CSET test questions | CTEL demo questions | FTCE question test | NYSTCE study guide |





References :


http://killexams-braindumps.blogspot.com/2020/06/free-pass4sure-ctel-study-guide-that.html
https://www.instapaper.com/read/1318712669
https://killexams-posting.dropmark.com/817438/23792801
https://www.4shared.com/office/QX73trm6iq/California-Teacher-of-English-.html
https://drp.mk/i/HqWmbWW9Q3
https://www.coursehero.com/file/67501644/California-Teacher-of-English-Learners-CTELpdf/
https://spaces.hightail.com/space/v47qz1ixkg/files/fi-4d6f3d38-c41e-47b8-98d7-f1d935808e03/fv-1a64767c-b15b-4e70-9fba-15cdaffc441f/California-Teacher-of-English-Learners-(CTEL).pdf#pageThumbnail-1
http://ge.tt/3uDkN983
https://www.4shared.com/video/DRxRKvP5iq/California-Teacher-of-English-.html
https://sites.google.com/view/killexams-ctel-exam-dumps
https://www.clipsharelive.com/video/4688/ctel-california-teacher-of-english-learners-2020-update-question-bank-by-killexams-com
http://killexamsbraindumps2.isblog.net/ctel-california-teacher-of-english-learners-practice-test-by-killexams-com-14593008
https://justpaste.it/310-019
https://youtu.be/8EM-U5kOYKg
https://files.fm/f/rc4g5bsfq
https://killexams-ctel.jimdofree.com/
https://ello.co/killexamz/post/cqsc6vqxzzej-tvtjlki7w
http://feeds.feedburner.com/killexams/hTyQ
http://killexams.decksrusct.com/blog/certification-exam-dumps/ctel-california-teacher-of-english-learners-question-bank-with-real-questions-by-killexams-com/



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






Direct Download

CTEL 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.

CTEL Reviews

100% Valid and Up to Date CTEL 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