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 CWDP-302?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der CWDP-302: Certified Wireless Design Professional (CWDP) Prüfung.

2023 Updated Actual CWDP-302 questions as experienced in Test Center

Aktuelle CWDP-302 Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz

Certified Wireless Design Professional (CWDP) test questions with Latest CWDP-302 practice exams | https://www.easyfinanz.cc/

CWNP CWDP-302 : Certified Wireless Design Professional test Dumps

Exam Dumps Organized by Shahid nazir

Latest 2023 Updated Syllabus
CWDP-302 test Dumps | Latest Braindumps with genuine Questions

Real Questions from Latest courses of CWDP-302 - Updated Daily - 100% Pass Guarantee

CWDP-302 trial Questions : Download 100% Free CWDP-302 test Dumps (PDF and VCE)

Exam Number : CWDP-302
Exam Name : Certified Wireless Design Professional (CWDP)
Vendor Name : CWNP
Update : Click Here to Check Latest Update
Question Bank : Check Questions

Free Pass4sure CWDP-302 Dumps that you need to go the examination
killexams.com offer you to undertaking its cost-free CWDP-302 check questions which can be taken from total form of CWDP-302 test. Their own CWDP-302 Exam Questions contains agreed Actual Questions check assortment. killexams.com will deliver you three months cost-free updates associated with CWDP-302 Certified Wireless Design Professional (CWDP) Actual Questions concerns. Their Certified gathering is accessible 100% almost daily at the back finish who refreshes the places as and when required.

Here i will discuss many Study Guide suppliers on the net yet a substantial component of these individuals are usually changing obsolete CWDP-302 braindumps. You should get to the trustworthy and excellent CWDP-302 Questions and Answers provider on the net. Perhaps you finishing upward your along with killexams.com. Inside of any scenario, keep in mind, your current exploration may well wind up as well as exercise within waste materials of cash. They all inform you in order to clear-cut go in so that it will killexams.com plus down load 100% price tag CWDP-302 Questions and Answers and try out the particular small trial questions. When you are satisfied, register and acquire three days access to down load the latest and legit CWDP-302 braindumps which has real test issues and treatments. You must in addition get CWDP-302 VCE check simulator for your training.

Inside particular function that a man or woman is contemplating Transferring typically the CWNP CWDP-302 test to find out the best hopes, a person has to subscribe at killexams.com. There are numerous specialists wanting to accumulate CWDP-302 real check queries from killexams.com. You will acquire Certified Wireless Design Professional (CWDP) check questions so that you can ensure you transfer CWDP-302 test. You can likely obtain updated CWDP-302 check questions each and every time with a totally Free Of the cost. There are several organizations presenting CWDP-302 Questions and Answers however Legitimate plus 2022 Up-to-date CWDP-302 PDF Braindumps may be a major problem. Reconsider killexams.com when you determine to be able to count on Entirely CWDP-302 braindumps on the web.

Many of us have a big range of customer reviews associated with prospective customers that transfer CWDP-302 check with the blues. All are normally working in outstanding positions on their particular personal organization. That could is not since they will use the CWDP-302 braindumps to get simply pass typically the examination, that they really boosted their expertise. They will function within any kind of organization considering that expert. They certainly have a tendency easily concentrate on passing CWDP-302 test as well as their blues, however genuinely Boost details about CWDP-302 subject matter plus ambitions. In this special way, people turn out to be prosperous in their special fields.

Popular features of Killexams CWDP-302 braindumps
-> CWDP-302 braindumps down load Access within 5 minute.
-> Complete CWDP-302 Questions bank
-> CWDP-302 Assessment Success Assure
-> Guaranteed True CWDP-302 test questions
-> newest and 2022 updated CWDP-302 Questions along with Answers
-> newest 2022 CWDP-302 Syllabus
-> Down load CWDP-302 Assessment Files everywhere
-> Unlimited CWDP-302 VCE Assessment Simulator Accessibility
-> No Control on CWDP-302 test Down load
-> Great Vouchers
-> 100% Protect Purchase
-> 100 % Confidential.
-> 100 % Free Exam Questions trial Inquiries
-> No Concealed Cost
-> Absolutely no Monthly Registration
-> No Vehicle Renewal
-> CWDP-302 test Up-date Intimation by means of Email

-> Free Tech support team
Assessment Detail from: https://killexams.com/pass4sure/exam-detail/CWDP-302
Costs Details from: https://killexams.com/exam-price-comparison/CWDP-302
Notice Complete Record: https://killexams.com/vendors-exam-list

Discount Promotion on Whole CWDP-302 Questions and Answers questions;
WC2020: 60% Ripped Discount to each test
PROF17: 10% More Discount with Value A lot more than $69
DEAL17: 15% More Discount with Value A lot more than $99

CWDP-302 test Format | CWDP-302 Course Contents | CWDP-302 Course Outline | CWDP-302 test Syllabus | CWDP-302 test Objectives

Exam Name : Wireless Design Professional
Exam Number : CWDP-303 CWDP
Exam Duration : 90 minutes
Questions in test : 60
Passing Score : 70%
Recommended Training : Live Wi-Fi Design Training Class
Exam Registration : PEARSON VUE
Real Questions : CWNP CWDP-303 Real Questions
VCE practice questions : CWNP Certified Wireless Design Professional Practice Test

Define Specifications for the WLAN 25%
1 Collect and use business requirements
- Business use cases and justification
- User requirements
- Regulatory compliance
- Industry compliance

2 Collect, define, and use technical requirements
- Location services such as RTLS
- Latency requirements
- Signal strength requirements
- Capacity requirements
- Security requirements
BYOD and guest access
Authentication and encryption
- Discover applications and their specific requirements
- Discover WLAN upgrade requirements when applicable
- Define bridge link requirements when applicable
- Voice over WLAN (VoWLAN) Requirements
- Identify client devices including most Important and least capable device
- Requirement Areas

3 Identify design constraints
- Regulatory compliance
- Aesthetics
- Budget
- Architectural constraints
- Mounting restrictions
- Access restrictions
- Vendor selection
- Time constraints
- Building codes and safety codes

4 Collect, use, and deliver essential documents where applicable
- Validated floorplans
- Network diagrams
- Existing AP locations
- Network closet locations
- Existing cabling standards
- Existing cable drop locations
- Switch capabilities and capacity
- Existing network services including DNS, DHCP, NTP and authentication servers
- PoE capabilities and power budget
- Existing wireless system data
- Previous design/survey documentation
- Site survey deliverables

5 Define requirement areas including essential metrics for each requirement
- Capacity
- Client device types
- Applications and their requirements
- SSIDs and WLAN profiles
- Security settings
- Understand the various issues introduced by common vertical markets such as healthcare, education, retail, hospitality, high-density scenarios, public hotspots and outdoor networks

6 Implement effective project management
- Statement of Work (SoW)
- Non-Disclosure Agreements (NDAs)
- Project plans
- Resource management
- Role definition

Design the WLAN 45%
1 Define WLAN architectures and select the appropriate architecture for a design
- Controller-based (physical and virtual controllers)
- Distributed (cloud-based and local WNMS)
- Standalone/Autonomous APs
- Dynamic vs. static channel assignment
- Dynamic radio management
- Software defined radio
- RF profiles
- Select and/or recommend the appropriate equipment for the design (APs, antennas, controllers, managed services)

2 Produce a design and communicate with appropriate individuals related to the design
- Use WLAN design software including the common features found in the solutions provided by various vendors
Import and calibrate floor plans
Set project parameters
Select and place APs and antennas manually or using automated placement tools and define configuration parameters
Adjust AP settings to accommodate design requirements
Define appropriate requirements areas using software features
Define channel plans (MCA or SCA, channel widths, frequency bands, output power levels, DFS and TPC requirements) including solutions for CCI, adjacent channel interference (ACI), non-overlapping ACI, and non-802.11 interferers within regulatory constraints
Document cabling requirements
- Select and use appropriate tools for a design project
Site survey hardware (camera, marking tools, spare batteries, survey trays, 2-way radios, USB adapters, USB hubs, external antennas)
Distance measuring tools (laser measure, tape measure, measuring wheel, angle finder, mapping software)
Personal Protective Equipment (PPE) (hardhat, steel-toe shoes, glasses, gloves, clean suits, masks, high visibility clothing)
Use WLAN analysis tools for appropriate use cases in WLAN design (spectrum analyzer, protocol analyzer, scanner/discovery tools, cable testers)
Use performance measurement tools to assist in WLAN design (throughput testers, QoS exam, network functionality)
Perform client measurements and analysis to determine client capabilities (received signal measurements, roaming behavior, QoS capabilities)
Gather attenuation measurements for building materials and objects
Understand the differences between AP-on-a-Stick surveys and predictive modeling software and select the appropriate solution between them for a design project
- Perform a pre-design site survey when required
Select and perform the appropriate type of site survey (manual active, manual passive, AP-on-a-Stick)
Use the appropriate site survey tools during the survey
Gain appropriate access and clearance to perform the survey
Document metrics and other information collected during the survey (RSSI, SNR, noise floor, interference, cell coverage, application and connectivity data such as data rates, latency, loss, and retries)
Perform survey procedures for bridge links when required
- Design special WLAN deployments, including branch and remote offices, mesh networks, and bridge links
- Select among common vendor features and make configuration recommendations in a design scenario (band steering, automatic channel selection, load balancing, VLAN configuration)
- Design for different client and application types and the constraints they introduce (tablets, barcode scanners, VoIP handsets, laptops, ID badges, location tracking systems, voice and video)
- Ensure proper end-to-end QoS is understood and implemented including WMM, wired QoS, QoS markings and queues
- Define and recommend proper security solutions in the design including monitoring, authentication servers, EAP methods, authentication, and encryption
- Design for secure roaming including 802.11-2016 FT roaming, SCA roaming, vendor roaming solutions, and client support issues
3 Create, distribute, and communicate design documentation
- Bill of Materials (BoM)
- Design report
- Physical installation guide
Deploy the WLAN 10%
1 Ensure proper understanding and implementation of design documentation
- Implementation meeting (explain design decisions to implementers and ensure understanding of design deployment)
- Distribute documents to appropriate individuals
- Select qualified implementation technicians when required

2 Perform validation and optimization tasks during deployment
- Verify proper AP installation location
- Verify PoE provisioning requirements are met
- Verify channel selections and output power
- Verify aesthetic requirements are met
- Verify proper security configuration

3 Recommend or perform essential deployment tasks
- Understand and perform installation procedures for different WLAN architectures (cloud-based, controller-based, WNMS, autonomous)
- Infrastructure configuration supporting the WLAN (DHCP, DNS, NTP, switches and routers)
- Channel assignment, automatic radio management, and output power configuration
- Installation procedures for cloud-based APs, controller-based APs, WNMS APs, and autonomous APs

Validate and Optimize the WLAN 20%
1 Perform an RF validation survey
- Ensure coverage requirements
- Ensure capacity requirements
- Evaluate CCI impact

2 Perform client performance testing
- Application testing
- Roaming testing
- Connectivity testing

3 Recommend and/or perform appropriate physical adjustments
- AP locations
- Antenna locations

4 Recommend and/or perform appropriate configuration adjustments
- Transmitter RF output power
- RF channel selection
- RF channel bandwidth

5 Select remediation solutions for problems discovered during post-validation
- RF coverage problems
- Capacity problems
- QoS problems
- Security configuration errors
- Client connectivity issues
- Resolve interference issues

6 Implement knowledge transfer and hand-off
- End user training
- Support staff training
- Solution documentation and assets (digital or physical assets, guides, floorplans, configuration documents)
- Final meeting (Q&A and hand-off)

Killexams Review | Reputation | Testimonials | Feedback

Where am i able to find out CWDP-302 genuine test questions?
I additionally had a great experience with this coaching set, which led me to pass the CWDP-302 test with over 98%. The questions are real and valid, and the test simulator is an excellent/preparation device, even though you are no longer planning on taking the test and want to develop your horizons and expand your knowledge. I have given mine to a chum, who also works in this vicinity however obtained her CCNA. What I mean is It is an outstanding studying device for every person. And if you plan to take the CWDP-302 exam, this is a stairway to success :)

Study CWDP-302 dumps collection and dumps to have great success.
Way to CWDP-302 test dump, I ultimately was given my CWDP-302 Certification. I failed this test the first time around and knew that this time, it changed into now or by no means. I nevertheless used the respectable e book, however saved practicing with Killexams, and it helped. remaining time, I failed with the help of a tiny margin, literally lacking some factors, but this time I had solid pass marks. killexams.com centered exactly what you will get at the exam. In my case, I felt they have been giving great concentration to various questions, to the factor of asking inappropriate stuff, but fortuitously I was organized! project executed.

CWDP-302 test is not tough to pass with these Questions and Answers.
killexams! Massive manner to you. Ultimate month whilst I was an excessive amount of panic about my CWDP-302 test this website help me much for scoring excessive. As everybody is aware that CWDP-302 certification is an excessive amount of tough however for me it becomes no longer an excessive amount of hard, as I had CWDP-302 dump in my hand. After experiencing such dependable material I suggested to all the college students to incline towards the incredible educational products of this web site in their education. My well needs are with you concerned in your CWDP-302 certificates.

Try out these CWDP-302 braindumps, it is wonderful!
I gave the CWDP-302 practice questions great as quickly as in advance than I enrolled for turning into a member of the killexams.com software. I did no longer have achievements even after giving myself enough time to memorize. I did no longer realize wherein I lacked in getting achievement. But after joining killexams.com I got my answer turned into lacking changed into CWDP-302 practice books. It positioned all the subjects inside the right guidelines. Getting geared up for CWDP-302 with CWDP-302 time questions is honestly convincing. CWDP-302 practice Books of different education that I had did help me as they had been not enough capable for passing the CWDP-302 questions. They have been tough in truth they did now not cover the complete syllabus of CWDP-302. However, killexams.com designed books are notable.

Belive me or now not! This resource of CWDP-302 questions works.
It is not dependably whenever I am utilizing killexams for my CWDP-302 exam, I have tried their materials for a few vendors exams, and I did not fail my exams once. I rely upon this guidance. This time, I also had a few technical issues with my pc, so I needed to touch their customer service to double test something. They have been high-quality and have helped me sort my matters out.

CWNP Wireless Practice Test

Whilst it is very hard task to choose reliable test Questions and Answers 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 test dumps 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 trial brain dumps, their test simulator and you will definitely know that killexams.com is the best brain dumps site.

Is Killexams.com Legit?
Of course, Killexams is completely legit and even fully well-performing. There are several functions that makes killexams.com genuine and genuine. It provides updated and completely valid test dumps made up of real exams questions and answers. Price is very low as compared to a lot of the services on internet. The Questions and Answers are up to date on usual basis along with most exact brain dumps. Killexams account arrangement and product or service delivery is amazingly fast. Report downloading can be unlimited and intensely fast. Aid is avaiable via Livechat and E-mail. These are the characteristics that makes killexams.com a robust website that come with test dumps with real exams questions.

Which is the best braindumps site of 2023?
There are several Questions and Answers 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 obtain sites or reseller sites. Thats why killexams.com update test Questions and Answers 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 dumps collection 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 obtain 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 Questions and Answers will be provided in your obtain Account. You can obtain 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.

NCP-MCI-5.15 Questions and Answers | CCDAK free online test | EADE105 VCE | 78201X dump | OCN braindumps | DP-300 past bar exams | MS-100 PDF Questions | 300-735 online test | L4M2 cheat sheet pdf | COF-C02 PDF obtain | PEGAPCLSA86V2 practice test | ICBRR obtain | 600-660 Questions and Answers | CTEP test example | Salesforce-Certified-Sales-Cloud-Consultant test dumps | MB-700 examcollection | CHAD mock test | MB-310 questions obtain | 500-275 practice questions | DES-1423 pass marks |

CWDP-302 - Certified Wireless Design Professional (CWDP) study help
CWDP-302 - Certified Wireless Design Professional (CWDP) boot camp
CWDP-302 - Certified Wireless Design Professional (CWDP) information search
CWDP-302 - Certified Wireless Design Professional (CWDP) test dumps
CWDP-302 - Certified Wireless Design Professional (CWDP) course outline
CWDP-302 - Certified Wireless Design Professional (CWDP) Questions and Answers
CWDP-302 - Certified Wireless Design Professional (CWDP) test success
CWDP-302 - Certified Wireless Design Professional (CWDP) book
CWDP-302 - Certified Wireless Design Professional (CWDP) PDF Download
CWDP-302 - Certified Wireless Design Professional (CWDP) Questions and Answers
CWDP-302 - Certified Wireless Design Professional (CWDP) study help
CWDP-302 - Certified Wireless Design Professional (CWDP) Practice Test
CWDP-302 - Certified Wireless Design Professional (CWDP) tricks
CWDP-302 - Certified Wireless Design Professional (CWDP) genuine Questions
CWDP-302 - Certified Wireless Design Professional (CWDP) test contents
CWDP-302 - Certified Wireless Design Professional (CWDP) PDF Braindumps
CWDP-302 - Certified Wireless Design Professional (CWDP) Study Guide
CWDP-302 - Certified Wireless Design Professional (CWDP) learn
CWDP-302 - Certified Wireless Design Professional (CWDP) PDF Braindumps
CWDP-302 - Certified Wireless Design Professional (CWDP) test
CWDP-302 - Certified Wireless Design Professional (CWDP) genuine Questions
CWDP-302 - Certified Wireless Design Professional (CWDP) Real test Questions
CWDP-302 - Certified Wireless Design Professional (CWDP) study tips
CWDP-302 - Certified Wireless Design Professional (CWDP) test Braindumps
CWDP-302 - Certified Wireless Design Professional (CWDP) education
CWDP-302 - Certified Wireless Design Professional (CWDP) test Braindumps
CWDP-302 - Certified Wireless Design Professional (CWDP) information source
CWDP-302 - Certified Wireless Design Professional (CWDP) study help
CWDP-302 - Certified Wireless Design Professional (CWDP) braindumps
CWDP-302 - Certified Wireless Design Professional (CWDP) test
CWDP-302 - Certified Wireless Design Professional (CWDP) test dumps
CWDP-302 - Certified Wireless Design Professional (CWDP) test format
CWDP-302 - Certified Wireless Design Professional (CWDP) Question Bank
CWDP-302 - Certified Wireless Design Professional (CWDP) PDF Questions
CWDP-302 - Certified Wireless Design Professional (CWDP) study help
CWDP-302 - Certified Wireless Design Professional (CWDP) test Questions
CWDP-302 - Certified Wireless Design Professional (CWDP) test syllabus
CWDP-302 - Certified Wireless Design Professional (CWDP) braindumps
CWDP-302 - Certified Wireless Design Professional (CWDP) Real test Questions
CWDP-302 - Certified Wireless Design Professional (CWDP) Latest Questions
CWDP-302 - Certified Wireless Design Professional (CWDP) test contents
CWDP-302 - Certified Wireless Design Professional (CWDP) test Questions
CWDP-302 - Certified Wireless Design Professional (CWDP) learning
CWDP-302 - Certified Wireless Design Professional (CWDP) Test Prep
CWDP-302 - Certified Wireless Design Professional (CWDP) learning
CWDP-302 - Certified Wireless Design Professional (CWDP) PDF Download
CWDP-302 - Certified Wireless Design Professional (CWDP) PDF Questions
CWDP-302 - Certified Wireless Design Professional (CWDP) syllabus
CWDP-302 - Certified Wireless Design Professional (CWDP) study help
CWDP-302 - Certified Wireless Design Professional (CWDP) Real test Questions
CWDP-302 - Certified Wireless Design Professional (CWDP) test
CWDP-302 - Certified Wireless Design Professional (CWDP) Dumps
CWDP-302 - Certified Wireless Design Professional (CWDP) certification

CWS-100 pass test |

Best Certification test Dumps You Ever Experienced

CWNA-108 study guide | PW0-250 test papers | PW0-071 brain dumps | CWAP-403 trial questions | CWDP-302 test questions | CWT-100 study guide | PW0-105 Study Guide | PW0-204 practice questions | CWSP-205 question test | CWAP-402 pass test | PW0-270 VCE | CWNA-106 Dumps | CWNA-107 test answers | CWDP-303 past bar exams | PW0-104 test questions | CWS-100 free pdf obtain |

References :


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

Direct Download

CWDP-302 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.

CWDP-302 Reviews

100% Valid and Up to Date CWDP-302 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 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.


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:


  • 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


  • 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