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 CTEP?
Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der CTEP: Chartered Trust & Estate Planner (CTEP) Certification Prüfung.
2023 Updated Actual CTEP questions as experienced in Test Center
Aktuelle CTEP Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz
![]() AAFM CTEP : Chartered Trust & Estate Planner (CTEP) Certification ACTUAL EXAM QUESTIONSExam Dumps Organized by Richard |
Latest 2023 Updated AAFM Chartered Trust & Estate Planner (CTEP) Certification Syllabus
CTEP ACTUAL EXAM QUESTIONS / Braindumps contains real test Questions
Practice Tests and Free VCE Software - Questions Updated on Daily Basis
Big Discount / Cheapest price & 100% Pass Guarantee
CTEP Exam Center Questions : Download 100% Free CTEP ACTUAL EXAM QUESTIONS (PDF and VCE)
Exam Number : CTEP
Exam Name : Chartered Trust & Estate Planner (CTEP) Certification
Vendor Name : AAFM
Update : Click Here to Check Latest Update
Question Bank : Check Questions
Wonderful CTEP ACTUAL EXAM QUESTIONS provided by killexams.com
Killexams.com has compiled a database of Practice Questions by reaching out to numerous test takers who have passed their CTEP exams with good scores. These CTEP PDF Download consist of genuine CTEP questions and solutions and are not just practice tests. You can easily pass your test with these PDF Braindumps.
Preparing for the AAFM CTEP test with just the CTEP textbooks or free Latest Questions available on the internet is not an easy task. The real CTEP test includes various tricky questions that can confuse candidates and lead to failure. Killexams.com has resolved this issue by collecting real CTEP PDF Questions in the form of Exam Questions and a VCE test simulator. Before registering for the full version of CTEP PDF Questions, you can download the 100% free CTEP Latest Questions to ensure the quality of Latest Topics.
We have incorporated all the updates and upgrades made to CTEP in 2023 into their Latest Topics. The 202r1 updated CTEP braindumps guarantee your success in the real exam. They always recommend that you go through the full question bank at least once before taking the real test. Not only do their CTEP Latest Questions Improve your knowledge, but they also help you work professionally in a real organizational environment. Their focus is not just on passing the CTEP test with their braindumps, but also on improving your understanding of CTEP subjects and objectives. This is how individuals achieve success.

CTEP test Format | CTEP Course Contents | CTEP Course Outline | CTEP test Syllabus | CTEP test Objectives
The curriculum for the Chartered Trust and Estate Planner is based on trust and estate planning for resident and non-resident clients. This core group of graduate subjects focuses on the major functional issues of high net-worth consulting, ranging from tax, finance to law. A critical aspect of this course is addressing the interpersonal skills crucial to of advising the wealthy individual or family. The course will cover such planning obstacles as Common Law vs. Civil Law jurisdictions, non-resident alien spouse, and tangible and non-tangible assets in multiple jurisdictions.
Personal Financial Planning, Estates, and Risk Management
The candidate will be exposed to advanced financial subjects including wealth accumulation and distribution, asset transfer, tax planning, and retirement planning. This section will include a full discussion of insurance products including life, property, health, disability, casualty and catastrophic coverage insurance. Also, the student will learn techniques used to transfer assets during a clients lifetime using planned gifts, as well as, planning at death using wills and trusts.
Killexams Review | Reputation | Testimonials | Feedback
Surprised to look CTEP real test questions!
I passed the CTEP exam, and I cannot believe it. My marks became so high, and I was surprised at my performance. It is clearly due to killexams.com. Thank you very much!
Test out these real CTEP questions and observe help.
I used killexams.com mock test dump, which provided sufficient information to achieve my goal. I did not memorize everything before going for the exam, but I still managed to pass. I am grateful for their material and will come to them for my subsequent exams.
What study guide do I need to read to pass CTEP exam?
Killexams.com is an incredible asset for passing a test, as I discovered when I answered all the questions in the test with ease. I recommend everyone to use killexams.com for their test preparation. While I read several books, I failed to grasp the information. However, killexams.com's mock test helped me understand all of the issues correctly.
I got CTEP certified in 2 days preparation.
I used a mix of books and my own experience to prepare for the CTEP exam, but it was the killexams.com mock test and test Simulator that proved to be the most helpful. The questions were accurate and appeared on the real exam, and I passed with a score of 89% one month ago. If someone tells you that the CTEP test is difficult, believe them! But with the help of killexams.com, you can pass with ease.
Were given all CTEP Quiz in real study that I read.
Every subject and scenario for the CTEP test was covered in the killexams.com materials, which was immensely helpful for me during the preparation. Even though I was initially nervous, the CTEP mock test provided me with the confidence to face the exam. The test turned out to be easy, and I passed with a good result. I am now aiming for the next level of AAFM certifications.
AAFM Certification test Questions
Certification Exams FAQsMonth-long testing windows offer candidates the ability to take the test on the day and time that is most convenient during a 30-day period. 1. Where are the test sites located?Test Sites are located across the United States. At the time of scheduling the exam, candidates can select a site based on their zip code. 2. What are the typical hours of operation for a test site?The normal hours of operation at Test Sites are 8 a.m. to 5 p.m., but times can vary. When registering, confirm the hours with the site you wish to select. 3. What do candidates need to bring to the test site?Candidates are required to bring one (1) form of valid (non-expired), government issued, photo ID to the test site. Additionally, candidates must bring a copy of their Confirmation Notice which is emailed to them at the time of registration. 4. What is the test site change or cancellation policy?If you wish to reschedule or cancel a testing appointment within the same test window, you must contact Meazure Learning (formerly Scantron) at least 2 business days before the scheduled appointment. Canceling or rescheduling a testing appointment more than 2 business days in advance is subject to a $50 fee. Canceling or rescheduling less than 2 business days in advance of an appointment is not permitted. 5. In addition to the $50 test site fee, what are the ABA fees that will apply if candidates wish to move to another test window?Please review the procedures and fee schedule on the Certification test Change Policy page. All change and cancellation requests must be made by submitting the test Window Change/Cancellation Form. ABA will consider waiving fees in case of a medical emergency. Requests will be reviewed on a case-by-case basis. 6. Can I take the certification test on my computer at home or at work? Yes. ABA offers candidates the option of testing at home or another location via live remote proctoring (LRP). Candidates can select the LRP option at the time of scheduling their test date, usually 30 days before the start of the test window. Visit the Test Taker Resource Center for more detailed information. You can also review What to Expect for a demonstration of the test process. 7. How much time do I get to complete the exam?Based on the certification, the test time is either 3 hours or 4 hours: 3-Hour test (150 questions) - CAFP, CFMP, CISP4-Hour test (200 questions) - CERP, CRCM, CTFA 8. During the exam, can I skip questions and return to them later?Yes. Questions can be marked and returned to at a later point in the exam, if time permits. Be sure to answer all questions, as only answered questions are scored. To help you navigate the test, please click on one of the links below to preview the test system prior to your test date: Sample Test 9. Can I review or change my answers?Yes. Questions can be marked for review and answers changed, if time permits. 10. Are individuals with disabilities accommodated?Yes. All testing centers are fully accessible and compliant with the Americans with Disabilities Act (ADA). In addition, accommodations can be made for LRP test candidates. You must submit your request for reasonable accommodations, along with supporting documentation with your test application. 11. How are exams scored?The test is scored on a "Pass/Fail" system using a predetermined cut off score based on advisory board analysis of the degree of difficulty for each question. Exams are scored based on your personal performance and are not graded on a curve. All ABA Professional Certification exams use scaled scoring. Scaled scores are recommended by the Standards for Educational and Psychological Testing. Many testing programs, including the ACT® and SAT®, use scaled scores. Exam scores are based on the total number of items answered correctly. The total number of items correct is then converted to a scaled score for reporting purposes. Scaled scores are a mathematical conversion of the number of items that a candidate correctly answers so that there is a consistent scale used across all versions of a test. All ABA Professional Certification exams are scored on a scale ranging from 200 to 800, with the passing score set at 500. Each test contains a small number of randomly embedded questions that are included for statistical research purposes. These questions do not count against candidate scores. This form of piloting questions before they are scored is part of ABA's efforts in continuous quality improvement. Score results are confidential. You must sign an test Score Release Form if you want to authorize a third party to receive your score results. 12. How long will it take to receive test results?An instant pass/fail outcome is provided for most computer-based exams at the testing sites. Official score results are delivered via email within 6 weeks after the close of the test window. On occasion, ABA holds scores to conduct statistical analysis. This means that for some exams, instant outcomes will NOT be provided at the test sites and all outcomes and score results will be emailed within 6 weeks after the close of the test window. 13. What is the test fee?All test fees are listed on each certification's webpage. 14. How and when do I select my test date, time, and location?Undergraduate Teacher Certification RequirementsUndergraduate Teacher Certification Requirements Drexel offers a number of education certification and degree programs that prepare students for formal teacher certification. Once a student has successfully completed their undegraduate course of study and all qualifying teacher certification exams required by the Pennsylvania Department of Education (PDE), Drexel recommends the student to the PDE for the appropriate teaching certificate. Teaching Certification GPA RequirementsThe School of Education requires that students maintain at least a "B" average (3.0 GPA) in content courses needed for teacher certification in addition to earning a grade of "B" or better in each core pedagogy course required for certification. Pennsylvania Teacher Certification RequirementsAll undergraduate students are required to obtain and submit updated and current copies of the required clearances to the School of Education annually in order to participate in classroom observations and student teaching in Pennsylvania. All full-time undergraduates will receive assistance in gaining these clearances during their first term. Non-PA students should contact their state's department of education or school district office for a list of clearances required in their state. Teacher Certification Process Instructional I CertificationThis initial certification qualifies a teacher to teach for a maximum of six years. The six years need not be continuous. To continue teaching after the six years are completed, the teacher must receive an Instructional II Certification. Instructional II CertificationThe Instructional II Certification is considered a permanent certification. A teacher applying for Instructional II Certification must have: The Pennsylvania Educator Certification Tests (PECT) are required for Grades PreK–4 and Special Education. All undergraduate and dual degree BS/MS students are required to pass the Pre-service Academic Performance Assessment (PAPA) basic skills exam. In addition, students will be required to take the appropriate test exam for each area of certification they wish to obtain. For more information about examinations and registration: Middle Level Certification (Grades 4–8) and Secondary Certification (Grades 7–12)All undergraduate and dual degree BS/MS students seeking certification in middle (grades 4–8) or secondary (grades 7–12) levels are required to pass exams from the PA Education Certification Tests (PECT) and the Praxis II Series. Students must pass both the Pre-service Academic Performance Assessment (PAPA) basic skills test exam and the appropriate Praxis II Content Knowledge test for each area of certification they wish to obtain. For more information about examinations and registration: Pennsylvania Act 48 RequirementsTo maintain Instructional I and Instructional II Certifications, the PDE requires a teacher to complete one of the following every five years: Note: For those working to acquire Instructional II Certification, the 24 semester credits or 36 quarter credits needed to apply for Instructional II may also count toward Act 48 requirements. Download the Pennsylvania Department of Education’s Frequently Asked Questions about Act 48 [PDF]. Online Pharmacy Technician Certification CourseRequirements for pharmacy technicians vary by state, but most require certification, registration or licensure. Earning your certification from the Pharmacy Technician Certification Board (PTCB) provides a valuable, industry-recognized credential that meets most states’ requirements. |
Whilst it is very hard task to choose reliable test mock test resources regarding review, reputation and validity because people get ripoff due to choosing incorrect service. Killexams make it sure to provide its clients far better to their resources with respect to ACTUAL EXAM QUESTIONS update and validity. Most of other peoples ripoff report complaint clients come to us for the brain dumps and pass their exams enjoyably and easily. They never compromise on their review, reputation and quality because killexams review, killexams reputation and killexams client self confidence is important to all of us. Specially they manage killexams.com review, killexams.com reputation, killexams.com ripoff report complaint, killexams.com trust, killexams.com validity, killexams.com report and killexams scam. If perhaps you see any bogus report posted by their competitor with the name killexams ripoff report complaint internet, killexams.com ripoff report, killexams.com scam, killexams.com complaint or something like this, just keep in mind that there are always bad people damaging reputation of good services due to their benefits. There are a large number of satisfied customers that pass their exams using killexams.com brain dumps, killexams PDF questions, killexams practice questions, killexams test simulator. Visit their test questions and demo brain dumps, their test simulator and you will definitely know that killexams.com is the best brain dumps site.
Which is the best dumps website?
Indeed, Killexams is fully legit as well as fully trustworthy. There are several includes that makes killexams.com real and legitimate. It provides up to date and fully valid ACTUAL EXAM QUESTIONS that contains real exams questions and answers. Price is really low as compared to most of the services on internet. The mock test are up graded on frequent basis along with most recent brain dumps. Killexams account structure and product or service delivery is amazingly fast. Document downloading is certainly unlimited and very fast. Guidance is avaiable via Livechat and E-mail. These are the characteristics that makes killexams.com a strong website that provide ACTUAL EXAM QUESTIONS with real exams questions.
Is killexams.com test material dependable?
There are several mock test provider in the market claiming that they provide real 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 mock test 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 subjects of new syllabus, They recommend to download PDF test Questions from killexams.com and get ready for real 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 mock test will be provided in your download Account. You can download Premium ACTUAL EXAM QUESTIONS files as many times as you want, There is no limit.
Killexams.com has provided VCE practice 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 real Test. Go register for Test in Exam Center and Enjoy your Success.
AZ-900 practice questions | NYSTCE pass marks | PL-300 test example | BCB-Analyst Practice Questions | HIO-201 online test | JN0-222 Real test Questions | 500-230 demo test questions | CLOUDF test test | QAW1301 PDF download | MS-100 free online test | MB-320 test Cram | 100-490 study guide | ICBB cram | ACE001 PDF download | CLTD brain dumps | GCED practical test | 3314 mock questions | 250-428 questions answers | CPA-CPP test prep | 301b examcollection |
CTEP - Chartered Trust & Estate Planner (CTEP) Certification cheat sheet
CTEP - Chartered Trust & Estate Planner (CTEP) Certification education
CTEP - Chartered Trust & Estate Planner (CTEP) Certification test
CTEP - Chartered Trust & Estate Planner (CTEP) Certification test format
CTEP - Chartered Trust & Estate Planner (CTEP) Certification Real test Questions
CTEP - Chartered Trust & Estate Planner (CTEP) Certification Cheatsheet
CTEP - Chartered Trust & Estate Planner (CTEP) Certification test Cram
CTEP - Chartered Trust & Estate Planner (CTEP) Certification questions
CTEP - Chartered Trust & Estate Planner (CTEP) Certification PDF Braindumps
CTEP - Chartered Trust & Estate Planner (CTEP) Certification dumps
CTEP - Chartered Trust & Estate Planner (CTEP) Certification test Questions
CTEP - Chartered Trust & Estate Planner (CTEP) Certification information search
CTEP - Chartered Trust & Estate Planner (CTEP) Certification Test Prep
CTEP - Chartered Trust & Estate Planner (CTEP) Certification outline
CTEP - Chartered Trust & Estate Planner (CTEP) Certification Free test PDF
CTEP - Chartered Trust & Estate Planner (CTEP) Certification test Braindumps
CTEP - Chartered Trust & Estate Planner (CTEP) Certification education
CTEP - Chartered Trust & Estate Planner (CTEP) Certification course outline
CTEP - Chartered Trust & Estate Planner (CTEP) Certification Practice Questions
CTEP - Chartered Trust & Estate Planner (CTEP) Certification Practice Test
CTEP - Chartered Trust & Estate Planner (CTEP) Certification study help
CTEP - Chartered Trust & Estate Planner (CTEP) Certification Test Prep
CTEP - Chartered Trust & Estate Planner (CTEP) Certification test Questions
CTEP - Chartered Trust & Estate Planner (CTEP) Certification study help
CTEP - Chartered Trust & Estate Planner (CTEP) Certification test Questions
CTEP - Chartered Trust & Estate Planner (CTEP) Certification Question Bank
CTEP - Chartered Trust & Estate Planner (CTEP) Certification PDF Download
CTEP - Chartered Trust & Estate Planner (CTEP) Certification test
CTEP - Chartered Trust & Estate Planner (CTEP) Certification Cheatsheet
CTEP - Chartered Trust & Estate Planner (CTEP) Certification ACTUAL EXAM QUESTIONS
CTEP - Chartered Trust & Estate Planner (CTEP) Certification test Questions
CTEP - Chartered Trust & Estate Planner (CTEP) Certification PDF Braindumps
CTEP - Chartered Trust & Estate Planner (CTEP) Certification Question Bank
CTEP - Chartered Trust & Estate Planner (CTEP) Certification syllabus
CTEP - Chartered Trust & Estate Planner (CTEP) Certification PDF Questions
CTEP - Chartered Trust & Estate Planner (CTEP) Certification information source
CTEP - Chartered Trust & Estate Planner (CTEP) Certification learning
CTEP - Chartered Trust & Estate Planner (CTEP) Certification test format
CTEP - Chartered Trust & Estate Planner (CTEP) Certification Real test Questions
CTEP - Chartered Trust & Estate Planner (CTEP) Certification ACTUAL EXAM QUESTIONS
CTEP - Chartered Trust & Estate Planner (CTEP) Certification test
CTEP - Chartered Trust & Estate Planner (CTEP) Certification PDF Download
CTEP - Chartered Trust & Estate Planner (CTEP) Certification PDF Download
CTEP - Chartered Trust & Estate Planner (CTEP) Certification information search
Other AAFM ACTUAL EXAM QUESTIONS
CTEP braindumps | GLO_CWM_LEVEL_I mock questions | CWM_LEVEL_II test papers |
Best ACTUAL EXAM QUESTIONS You Ever Experienced
PC-BA-FBA-20 practice exam | CWNA-108 dump | IREB cheat sheet | 050-v71-CASECURID02 free pdf | HPE2-K42 real questions | CNA study material | QlikView-System-Administrator-Certification test papers | I10-003 braindumps | 1T6-521 test questions | GRE-Verbal braindumps | 050-v70-CSEDLPS02 practice test | PET test prep | NYSTCE practice questions | ITSM20F braindumps | 9L0-314 certification sample | PCCN test prep | ACF-CCP Practice Questions | ISO-IEC-27001-Lead-Auditor practice exam | NCE Practice Test | 920-270 questions answers |
References :
Similar Websites :
Pass4sure Certification ACTUAL EXAM QUESTIONS
Pass4Sure test Questions and Dumps
CTEP 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 CTEP 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