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 CWM_LEVEL_II?
Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der CWM_LEVEL_II: Chartered Wealth Manager (CWM) Certification Level II Prüfung.
2024 Updated Actual CWM_LEVEL_II questions as experienced in Test Center
Aktuelle CWM_LEVEL_II Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz
E html>AAFM CWM_LEVEL_II : Chartered Wealth Manager (CWM) Certification Level II ACTUAL EXAM QUESTIONSExam Dumps Organized by Richard |
Latest 2024 Updated AAFM Chartered Wealth Manager (CWM) Certification Level II Syllabus
CWM_LEVEL_II 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
CWM_LEVEL_II Test Center Questions : Download 100% Free CWM_LEVEL_II ACTUAL EXAM QUESTIONS (PDF and VCE)
Exam Number : CWM_LEVEL_II
Exam Name : Chartered Wealth Manager (CWM) Certification Level II
Vendor Name : AAFM
Update : Click Here to Check Latest Update
Question Bank : Check Questions
These CWM_LEVEL_II real questions are very well informed
Killexams.com is a reliable and trustworthy platform that offers CWM_LEVEL_II test questions with a 100% success guarantee. You need to practice CWM_LEVEL_II questions at least once to score well in the exam. Your journey to success in the Chartered Wealth Manager (CWM) Certification Level II test starts with killexams.com CWM_LEVEL_II test practice questions, which is an excellent and valid source of your targeted place.
Our real questions is available in two formats, CWM_LEVEL_II PDF file, and CWM_LEVEL_II VCE test simulator. You can pass the AAFM CWM_LEVEL_II test quickly and effectively using either of these formats. The CWM_LEVEL_II Exam Cram PDF format is easily readable on any device, and you can even print the CWM_LEVEL_II real questions to create your own book. Their pass rate is as high as 98.9%, and the similarity rate between their CWM_LEVEL_II study guide and the real test is 98%. If you want to achieve success in the CWM_LEVEL_II test in just one attempt, head straight to the AAFM CWM_LEVEL_II genuine test at killexams.com.
In summary, killexams.com provides the latest and valid AAFM CWM_LEVEL_II real questions to help you pass the Chartered Wealth Manager (CWM) Certification Level II test and enhance your professional status. Their real questions is top-rated and has been trusted by their customers for the last two years. You can prepare for the AAFM CWM_LEVEL_II test with ease using their Question Bank and VCE test simulator, and their free CWM_LEVEL_II boot camp will give you a taste of their quality. Their real questions is available in two formats, CWM_LEVEL_II PDF file, and CWM_LEVEL_II VCE test simulator, and they have a high pass rate of 98.9%. If you want to achieve success in the CWM_LEVEL_II test on your first attempt, enroll now in the AAFM CWM_LEVEL_II genuine test at killexams.com.
CWM_LEVEL_II test Format | CWM_LEVEL_II Course Contents | CWM_LEVEL_II Course Outline | CWM_LEVEL_II test Syllabus | CWM_LEVEL_II test Objectives
The objective of the Chartered Wealth Manager® Program is to equip candidates with both basic and advanced skills required by a Wealth Manager in performing his tasks and duties as a Wealth Manager, Private Banker and Wealth Advisor.
a. Acquiring core understandings in and across the disciplines that contribute to the domain of Wealth Management including Wealth Creation, Wealth Enhancement, Wealth Preservation and Wealth Transfer.
b. Relating these conceptual frameworks to dimensions of practical areas on the ground.
c. Providing candidates with opportunities to encounter and critically engage with instances of both challenging problems and attempted interventions by a Wealth Manager.
d. Engage with the complex financial markets, human attitudes and investment lifecycles.
e. Explore the ethical and personal dimensions of Wealth Advisory and understand the fiduciary responsibilities of a Wealth Manager.
UNIT 10 : Equity Analysis
UNIT 11 : Use of Alternative Products in Wealth Management
UNIT 12 : Use of Behavioral Finance in Wealth Management
UNIT 13 : Real Estate Valuation and Analysis
UNIT 14 : Relationship Management by a Wealth Manager
UNIT 15 : International Taxation
UNIT 16 : Portfolio Management Strategies
UNIT 17 : Wealth Management Planning
UNIT 18 : Advanced Wealth Management
LEVEL II – Advanced Level
-------------------------
Unit 10- Equity Analysis
Equity as an asset class always features as the first choice in almost every portfolio. Considering the importance Equity possesses in investment management space this unit would focus at enabling the investment professional understand the various aspects of Equity including Equity Analysis by Technical & Fundamental Methods. The unit would help the investment professional in analysing the equity and its related products in a comprehensive & holistic manner. The unit would enhance the knowledge of the wealth manager regarding this premier asset class so that they can comprehensively advise clients on equity investments in conjunction with risk and return parameters.
Unit 11- Use of Alternative Products in Wealth Management
This course aims at explaining and discussing the importance of alternative assets in a clients portfolio. As the market for Alternatives is growing rapidly they would try to focus on how inclusion of alternate assets has affected the risk and return composition of global clients. The unit would also focus on studying the various alternate channels of investment and their applicability globally.
Unit 12- Use of Behavioral Finance in Wealth Management
This unit is focused on behavioral and psychological factors which influences the investment decision making of a client. This unit would further exemplify how the client behavior changes to different situations prevailing in the financial markets which would help a wealth manager in evaluating how to handle and manage the clients responses. The unit would also include case studies covering the behavioral biases shown by the clients and how a wealth can approach and mitigate the same.
Unit 13- Real Estate Valuation and Analysis
The purpose of the unit is to make an investment professional gain an understanding of the economic forces that drive Real Estate asset and how the niche characteristics of real estate can provide an excellent fitment in a clients portfolio. The unit would encompass the concepts, tools, and techniques for evaluating individual real estate assets. The Unit would also feature the different mechanisms through which a wealth manager can guide his client with respect to this asset class-Direct and Indirect.
Unit 14- Relationship Management by a Wealth Manager
Relationship management is the back-bone of wealth management business so the concept of Customer relationship management (CRM) is widely implemented by wealth management business outfits for managing relationship and interactions with customers, clients and sales prospects. The unit discusses techniques to find, attract, and win new clients, nurture and retain those the wealth manager already has, entice former clients back into the fold, and reduce the costs of marketing and client service.
Unit 15- International Taxation
The unit would help the financial market and investment management professional in assessing the applicability of various taxation aspects for an individual investor before deciding on the portfolio allocation of the client in the international space. The unit would cover the tax structures in few of the prominent investment zones across the globe like US, UK, Singapore and Mauritius. The latter part of the unit would make an investment professional understand in requisite detail the implications of Tax treaties, cross border taxation and on creating tax efficient structures for tax planning in multiple jurisdictions.
Unit 16- Portfolio Management Strategies
The unit would serve as a foundation for understanding of Portfolio Management process of an individual. This unit would cover the fundamental concepts of risk and return and their application in the context of overall portfolio of a client which would help the wealth manager in making efficient asset allocation with respect to clients risk and return objectives. This endeavor of the unit would be to guide the investment professional in drafting the Investment Policy Statement which is one of the most important tool of investment advisory arena. The latter part of the book would feature the various portfolio managing strategies both for Equity as well as Debt.
Unit 17- Wealth Management Planning
This unit covers the different aspects of managing and planning wealth management business across the globe. It focuses on analyzing and studying the various key profitability drivers like Clients, Products, Distribution and Organization of any wealth management business and how each of the drivers can impact the efficiency of the business. The unit would also feature the wealth management landscape globally in different markets and with specific focus on different business models.
Unit 18- Advanced Wealth Management
This unit builds upon the foundations in Wealth Management concepts covered under CWM® Program. The unit would provide an excellent platform to the wealth manager for constructing a comprehensive Wealth Plan for his client with specific focus on each of the 6 steps of the wealth management process covered in Level 1. This unit would make the investment professional understand the application of the each of the earlier units through different enriching live case studies. The unit would also provide handful tools drafted by AAFM (Performa for Portfolio Review) which can be used by an investment professional right from the start till the end of the wealth management process.
Killexams Review | Reputation | Testimonials | Feedback
Excellent opportunity to get certified CWM_LEVEL_II exam.
After taking the test on killexams.com, everything changed for me, and the CWM_LEVEL_II test appeared like a very easy challenge. I was so correctly prepared for it that I didn't face any difficulty. I thank this site for lending me a helping hand and enabling me to clear the test without any hassle.
Where will I locate prep fabric for CWM_LEVEL_II exam?
I recently purchased your certification bundle and studied it thoroughly. Last week, I passed the CWM_LEVEL_II test and received my certification. The killexams.com online test simulator was an excellent tool to prepare for the exam. It enhanced my confidence level, and I passed the certification test with ease. I highly recommend this bundle deal to anyone planning to take the CWM_LEVEL_II test as it provides valuable guidance and boosts your chances of success.
It is amazingly perfect to read CWM_LEVEL_II test with dumps.
Most of the questions within the CWM_LEVEL_II test were similar to those in the killexams.com Dumps dump. This similarity helped me save time, and I was able to finish all seventy-five questions within the allotted time. I also took advantage of the reference book. The killexams.com Questions for the CWM_LEVEL_II test are continually updated to ensure accuracy, which gave me confidence in passing the exam.
Weekend study is sufficient to pass CWM_LEVEL_II test with Dumps I were given.
All the material available on killexams.com is authentic and fully reliable. After hearing good reviews about killexams, I purchased their CWM_LEVEL_II ACTUAL EXAM QUESTIONS to prepare for my exam. The quality of their material was as good as promised, and the practice exams were smooth and easy to follow. I ended up scoring 96% in my CWM_LEVEL_II exam, all thanks to killexams.
No questions was requested that became out of these Dumps bank.
Before my CWM_LEVEL_II exam, I used to jog every morning to feel energized. However, on the day before my exam, I was too nervous to go out. I was afraid that I would waste time and fail the test. Then I found killexams.com, which provided me with a pool of tutorial information that helped me achieve top marks in the CWM_LEVEL_II exam.
AAFM Certification testing
https://www.pass4surez.com/art/read.php?keyword=AAFM+Certification+testing&lang=us&links=remove
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.
Which is the best dumps website?
Certainly, Killexams is 100 percent legit and fully trustworthy. There are several options that makes killexams.com legitimate and legit. It provides up-to-date and 100 percent valid ACTUAL EXAM QUESTIONS formulated with real exams questions and answers. Price is minimal as compared to almost all the services on internet. The Dumps are modified on regular basis utilizing most latest brain dumps. Killexams account build up and product delivery is really fast. Data file downloading is certainly unlimited and fast. Assist is avaiable via Livechat and Email. These are the characteristics that makes killexams.com a sturdy website that offer ACTUAL EXAM QUESTIONS with real exams questions.
Is killexams.com test material dependable?
There are several Dumps 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 2024 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 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 Topics of new syllabus, They recommend to get 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 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 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 Test Center and Enjoy your Success.
NSE8-812 Dumps | PCEP-30-01 study guide | AI-102 free practice questions | 143-425 PDF get | CA-Real-Estate PDF Dumps | NCLEX-RN free test papers | 7003 practice questions | 4A0-103 VCE | 4A0-102 test questions | FortiSandbox pdf get | E20-598 Latest Topics | Agile-Foundation Latest Questions | PulseSecure-PCS study guide | NCEES-PE mock test | SEND examcollection | C1000-119 test questions | BCEN-CPEN practice test | Platform-App-Builder PDF Braindumps | EADC practice questions | NCLEX-PN dumps |
CWM_LEVEL_II - Chartered Wealth Manager (CWM) Certification Level II testing
CWM_LEVEL_II - Chartered Wealth Manager (CWM) Certification Level II Question Bank
CWM_LEVEL_II - Chartered Wealth Manager (CWM) Certification Level II Questions and Answers
CWM_LEVEL_II - Chartered Wealth Manager (CWM) Certification Level II study tips
CWM_LEVEL_II - Chartered Wealth Manager (CWM) Certification Level II test contents
CWM_LEVEL_II - Chartered Wealth Manager (CWM) Certification Level II learning
CWM_LEVEL_II - Chartered Wealth Manager (CWM) Certification Level II Practice Questions
CWM_LEVEL_II - Chartered Wealth Manager (CWM) Certification Level II Free PDF
CWM_LEVEL_II - Chartered Wealth Manager (CWM) Certification Level II Free PDF
CWM_LEVEL_II - Chartered Wealth Manager (CWM) Certification Level II book
CWM_LEVEL_II - Chartered Wealth Manager (CWM) Certification Level II study help
CWM_LEVEL_II - Chartered Wealth Manager (CWM) Certification Level II book
CWM_LEVEL_II - Chartered Wealth Manager (CWM) Certification Level II Free test PDF
CWM_LEVEL_II - Chartered Wealth Manager (CWM) Certification Level II Test Prep
CWM_LEVEL_II - Chartered Wealth Manager (CWM) Certification Level II ACTUAL EXAM QUESTIONS
CWM_LEVEL_II - Chartered Wealth Manager (CWM) Certification Level II test success
CWM_LEVEL_II - Chartered Wealth Manager (CWM) Certification Level II braindumps
CWM_LEVEL_II - Chartered Wealth Manager (CWM) Certification Level II boot camp
CWM_LEVEL_II - Chartered Wealth Manager (CWM) Certification Level II PDF Braindumps
CWM_LEVEL_II - Chartered Wealth Manager (CWM) Certification Level II PDF Braindumps
CWM_LEVEL_II - Chartered Wealth Manager (CWM) Certification Level II study help
CWM_LEVEL_II - Chartered Wealth Manager (CWM) Certification Level II learn
CWM_LEVEL_II - Chartered Wealth Manager (CWM) Certification Level II boot camp
CWM_LEVEL_II - Chartered Wealth Manager (CWM) Certification Level II cheat sheet
CWM_LEVEL_II - Chartered Wealth Manager (CWM) Certification Level II Test Prep
CWM_LEVEL_II - Chartered Wealth Manager (CWM) Certification Level II test prep
CWM_LEVEL_II - Chartered Wealth Manager (CWM) Certification Level II Real test Questions
CWM_LEVEL_II - Chartered Wealth Manager (CWM) Certification Level II syllabus
CWM_LEVEL_II - Chartered Wealth Manager (CWM) Certification Level II Latest Questions
CWM_LEVEL_II - Chartered Wealth Manager (CWM) Certification Level II PDF Download
CWM_LEVEL_II - Chartered Wealth Manager (CWM) Certification Level II test
CWM_LEVEL_II - Chartered Wealth Manager (CWM) Certification Level II boot camp
CWM_LEVEL_II - Chartered Wealth Manager (CWM) Certification Level II Practice Test
CWM_LEVEL_II - Chartered Wealth Manager (CWM) Certification Level II ACTUAL EXAM QUESTIONS
CWM_LEVEL_II - Chartered Wealth Manager (CWM) Certification Level II PDF Dumps
CWM_LEVEL_II - Chartered Wealth Manager (CWM) Certification Level II study tips
CWM_LEVEL_II - Chartered Wealth Manager (CWM) Certification Level II Latest Questions
CWM_LEVEL_II - Chartered Wealth Manager (CWM) Certification Level II real Questions
CWM_LEVEL_II - Chartered Wealth Manager (CWM) Certification Level II study tips
CWM_LEVEL_II - Chartered Wealth Manager (CWM) Certification Level II test Cram
CWM_LEVEL_II - Chartered Wealth Manager (CWM) Certification Level II outline
CWM_LEVEL_II - Chartered Wealth Manager (CWM) Certification Level II test syllabus
CWM_LEVEL_II - Chartered Wealth Manager (CWM) Certification Level II testing
CWM_LEVEL_II - Chartered Wealth Manager (CWM) Certification Level II Study Guide
Other AAFM ACTUAL EXAM QUESTIONS
CTEP test preparation | GLO_CWM_LEVEL_I test results | CWM_LEVEL_II test Cram |
Best ACTUAL EXAM QUESTIONS You Ever Experienced
NBCC-NCC real questions | BCEN-CBRN Free test PDF | 143-425 Test Prep | CBUNA-CUNP VCE | Servicenow-CAD practice exam | CMAA PDF Dumps | CBIC-CIC test exam | ARA02 Cheatsheet | GB0-191-ENU Question Bank | FNCB-AFN-C Practice Questions | NSE7_ADA-6.3 test sample | PCCN mock questions | PgMP test prep | C1000-132 test questions | VCS-261 questions download | MOFF-EN questions and answers | NS0-603 pdf download | CFSA practice exam | S10-110 practice questions | HH0-560 PDF Questions |
References :
Similar Websites :
Pass4sure Certification ACTUAL EXAM QUESTIONS
Pass4Sure test Questions and Dumps
CWM_LEVEL_II 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 CWM_LEVEL_II 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