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 Certified-Data-Architecture-and-Management-Designer?
Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der Certified-Data-Architecture-and-Management-Designer: Certified Data Architecture and Management Designer Prüfung.
2023 Updated Actual Certified-Data-Architecture-and-Management-Designer questions as experienced in Test Center
Aktuelle Certified-Data-Architecture-and-Management-Designer Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz
 Salesforce Certified-Data-Architecture-and-Management-Designer : Certified Data Architecture and test DumpsExam Dumps Organized by Shahid nazir |
Latest 2023 Updated Syllabus
Certified-Data-Architecture-and-Management-Designer test
Dumps | Latest Braindumps with genuine
Questions
Real Questions from Latest courses of Certified-Data-Architecture-and-Management-Designer - Updated Daily - 100% Pass Guarantee
Certified-Data-Architecture-and-Management-Designer demo Questions : Download 100% Free Certified-Data-Architecture-and-Management-Designer test
Dumps (PDF and VCE)
Exam Number : Certified-Data-Architecture-and-Management-Designer
Exam Name : Certified Data Architecture and Management Designer
Vendor Name : Salesforce
Update : Click Here to Check Latest Update
Question Bank : Check Questions
High required Certified-Data-Architecture-and-Management-Designer ACTUAL EXAM QUESTIONS.
This particular is merely a high velocity track to maneuver Certified-Data-Architecture-and-Management-Designer analyze in the swiftest time. During twenty-four hrs. killexams.com offer Certified-Data-Architecture-and-Management-Designer exam dumps to take into consideration before you identify to register in addition get
full edition that contain complete Certified-Data-Architecture-and-Management-Designer Exam Braindumps questions bank. Read plus Remember Certified-Data-Architecture-and-Management-Designer Exam Questions, exercise with Certified-Data-Architecture-and-Management-Designer test VCE and gowns all.
Pricey extremely hard charge to pick fantastic Latest Topics companies from quite a few awful places suppliers. Within the off possibility that your questions leads one to a terrible Latest Topics supplier, your affirmation will certainly turn into illusion. Flopping within Certified-Data-Architecture-and-Management-Designer examination is a main awful leaning. Just anyone depended on ill and outmoded suppliers. They could not declaring that each Certified-Data-Architecture-and-Management-Designer cheat sheet distributor is a artificial. There are some good quality Certified-Data-Architecture-and-Management-Designer true test questions provider
who has their own property to get the the majority of refreshed and also substantial Certified-Data-Architecture-and-Management-Designer Cheatsheet. killexams.com is at best of them. They are a group trying to gather 100 % legitimate, excellent, and reliable Certified-Data-Architecture-and-Management-Designer cheat sheet that work within genuine
checks enormously. Acquire 100 percent free of charge Cheatsheet regarding Certified-Data-Architecture-and-Management-Designer make sure audit. Supposing you feel you are fulfilled, sign up for Certified-Data-Architecture-and-Management-Designer cheat sheet PDF using VCE train test and get a fruitful player. You will definitely deliver us your own personal surveys concerning Certified-Data-Architecture-and-Management-Designer examination experience after subsequent to polishing off the genuine Certified-Data-Architecture-and-Management-Designer test.
Attributes of Killexams Certified-Data-Architecture-and-Management-Designer Cheatsheet
-> Instantaneous Certified-Data-Architecture-and-Management-Designer Cheatsheet get
Easy access
-> Comprehensive Certified-Data-Architecture-and-Management-Designer Questions and also Answers
-> 98% Success Price of Certified-Data-Architecture-and-Management-Designer test
-> Certain genuine
Certified-Data-Architecture-and-Management-Designer test
questions
-> Certified-Data-Architecture-and-Management-Designer Issues Updated in Regular time frame.
-> Valid and also 2022 Up-to-date Certified-Data-Architecture-and-Management-Designer Quiz Dumps
-> totally Portable Certified-Data-Architecture-and-Management-Designer test
Data files
-> Full highlighted Certified-Data-Architecture-and-Management-Designer VCE test
Sim
-> No Control on Certified-Data-Architecture-and-Management-Designer test
Acquire Access
-> Fantastic Discount Coupons
-> totally Secured Acquire Account
-> totally Confidentiality Made certain
-> 100% Achievement ensure
-> totally Free Free test
PDF demo Issues
-> No Undetectable Cost
-> Simply no Monthly Costs
-> No Intelligent Account Rebirth
-> Certified-Data-Architecture-and-Management-Designer Quiz Update Excitation by Email address
-> Free Tech support team
Quiz Detail on: https://killexams.com/pass4sure/exam-detail/Certified-Data-Architecture-and-Management-Designer
Prices Details on: https://killexams.com/exam-price-comparison/Certified-Data-Architecture-and-Management-Designer
Find Complete Checklist: https://killexams.com/vendors-exam-list
Discount Voucher on Complete Certified-Data-Architecture-and-Management-Designer Cheatsheet Latest Topics;
WC2020: 60 per cent Flat Low cost on each test
PROF17: 10% Further Low cost on Worth Greater than $69
DEAL17: 15% Further Low cost on Worth Greater than 99 dollars
Certified-Data-Architecture-and-Management-Designer test Format | Certified-Data-Architecture-and-Management-Designer Course Contents | Certified-Data-Architecture-and-Management-Designer Course Outline | Certified-Data-Architecture-and-Management-Designer test Syllabus | Certified-Data-Architecture-and-Management-Designer test Objectives
Killexams Review | Reputation | Testimonials | Feedback
Nice to hear that LaACTUAL EXAM QUESTIONS of Certified-Data-Architecture-and-Management-Designer test
are available.
I although that if I may additionally want to pass their Certified-Data-Architecture-and-Management-Designer test
and sure this is as soon as I got here to recognize with my antique Great buddy that killexams.com is the one that would be the boon for me because it was given me my intelligence finally again which I had misplaced for some time and that I desire that this may in no manner get over for me getting my Certified-Data-Architecture-and-Management-Designer test
passed in the end.
Try out these real Certified-Data-Architecture-and-Management-Designer braindumps.
In any case, you think, stand by exact issues come on schedule. notwithstanding, then, at that point, your tirelessness wears off and you understand you must stand firm sooner than It is excessively past due. because my work entails in general coping with a Certified-Data-Architecture-and-Management-Designer consumer base I decided to ace it and come to be he is aware of all about Certified-Data-Architecture-and-Management-Designer dude in the office. I attempted your Certified-Data-Architecture-and-Management-Designer demo from killexams, cherished it, and moved on to a purchase. Your test
engine is excellent and now-a-days your observe kit has made me the brand new Certified-Data-Architecture-and-Management-Designer manager.
Actual Certified-Data-Architecture-and-Management-Designer questions! i was not expecting such ease in exam.
It is a captain's job to influence the delivery much like it is a pilot's process to influence the aircraft. killexams.com can be known as my captain or my pilot as it advised me in the right direction before my Certified-Data-Architecture-and-Management-Designer test
and it becomes their guidelines and guidance that were given me to observe the right direction that ultimately leads me to achievement. I was very successful in my Certified-Data-Architecture-and-Management-Designer test
and it turned into a moment of glory for which I will forever continue to be obliged to this on-line test
center.
Is there any way to pass Certified-Data-Architecture-and-Management-Designer test
without studying course books?
I would recommend this examcollection as a must-have to anyone who is preparing for the Certified-Data-Architecture-and-Management-Designer exam. It was very helpful in getting an idea as to what sort of questions were coming and which areas to focus on. The practice test
provided was also great in getting a feeling of what to expect on test
day. As for the answers keys provided, it was of great help in recollecting what I had learned and the explanations provided were easy to understand and added value to my concept on the subject.
Start making ready these Certified-Data-Architecture-and-Management-Designer questions answers and chillout.
Thanks to the killexams.com crew who presents a very valuable exercise examcollection with factors. I have passed Certified-Data-Architecture-and-Management-Designer test
with a 95% score. Thank U very much for your products. I have registered to several question banks of killexams.com like Certified-Data-Architecture-and-Management-Designer. The question banks were very useful for me to pass those exams. Your mock test
helped a lot in passing my Certified-Data-Architecture-and-Management-Designer test
with 73%. To the factor, unique and well-explained answers. Keep up the good work.
Salesforce Data testing
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 test dumps 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 test dumps site.
Is Killexams.com Legit?
Without a doubt, Killexams is hundred percent legit together with fully dependable. There are several benefits that makes killexams.com reliable and legitimized. It provides accurate and hundred percent valid test
dumps made up of real exams questions and answers. Price is very low as compared to the vast majority of services on internet. The Braindumps are current on normal basis having most accurate brain dumps. Killexams account structure and merchandise delivery is incredibly fast. Data file downloading is actually unlimited and incredibly fast. Guidance is avaiable via Livechat and Email address. These are the features that makes killexams.com a robust website offering test
dumps with real exams questions.
Which is the best braindumps site of 2023?
There are several Braindumps provider in the market claiming that they provide genuine
test
Questions, Braindumps, Practice Tests, Study Guides, cheat sheet and many other names, but most of them are re-sellers that do not update their contents frequently. Killexams.com is best website of Year 2023 that understands the issue candidates face when they spend their time studying obsolete contents taken from free pdf get
sites or reseller sites. Thats why killexams.com update test
Braindumps with the same frequency as they are updated in Real Test. test
dumps provided by killexams.com are Reliable, Up-to-date and validated by Certified Professionals. They maintain examcollection of valid Questions that is kept up-to-date by checking update on daily basis.
If you want to Pass your test
Fast with improvement in your knowledge about latest course contents and courses of new syllabus, They recommend to get
PDF test
Questions from killexams.com and get ready for genuine
exam. When you feel that you should register for Premium Version, Just choose visit killexams.com and register, you will receive your Username/Password in your Email within 5 to 10 minutes. All the future updates and changes in Braindumps will be provided in your get
Account. You can get
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.
MS-203 test dumps | 500-240 practice questions | ACP-620 Braindumps | 1Y0-440 online test | SPLK-1002 practice questions | ASVAB-Automotive-and-Shop mock test | PMI-ACP actual questions | CLF-C01 braindumps | VMCE2021 demo test questions | HPE2-T37 PDF Dumps | 300-420 test Questions | EADE105 practice test | IAPP-CIPP-E Free PDF | ACT-English brain dumps | CWNA-108 practice test | 31860X test answers | PEGAPCSA85V1 practice test | ASVAB-Arithmetic-Reasoning questions answers | CIMAPRA17-BA4-1-ENG braindumps | 701-100 practice test |
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer information search
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer real questions
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer cheat sheet
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer tricks
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer test
contents
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer PDF Braindumps
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer answers
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer syllabus
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer Dumps
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer outline
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer information source
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer learn
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer Latest Questions
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer teaching
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer PDF Download
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer test
syllabus
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer Questions and Answers
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer test
Braindumps
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer techniques
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer learn
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer learn
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer test
Questions
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer test
Cram
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer PDF Braindumps
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer study tips
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer Free test
PDF
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer teaching
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer test
Questions
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer testing
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer syllabus
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer real questions
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer Practice Questions
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer Questions and Answers
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer Study Guide
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer Latest Topics
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer techniques
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer test
success
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer testing
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer learn
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer test
Cram
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer Latest Questions
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer PDF Questions
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer test
format
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer study tips
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer Latest Questions
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer techniques
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer test
Cram
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer syllabus
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer Questions and Answers
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer techniques
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer teaching
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer test
syllabus
Certified-Data-Architecture-and-Management-Designer - Certified Data Architecture and Management Designer boot camp
CRT-450 mock test | CRT-271 dumps | Salesforce-Certified-Marketing-Cloud-Email-Specialist certification demo | Marketing-Cloud-Consultant past exams | Salesforce-Certified-Business-Analyst Real test Questions | Salesforce-Certified-Identity-and-Access-Management-Designer Practice Questions | PDI test dumps | Salesforce-Consumer-Goods-Cloud practice test | CPQ-201 test practice | Salesforce.Field-Service-Lightning-Consultant free pdf | Salesforce-Certified-User-Experience-Designer test example | Salesforce-Marketing-Cloud-Developer practice questions | Salesforce-Certified-B2C-Commerce-Developer test preparation | Salesforce-Experience-Cloud-Consultant test dumps | Salesforce-Certified-CPQ-Specialist study guide | PDII test questions | Salesforce-nCino-201 question test | Pardot-Consultant practice questions | Salesforce-OmniStudio-Developer demo questions | DEX-403 practice questions |
Best Certification test Dumps You Ever Experienced
Javascript-Developer-I pass marks | CRT-251 Cheatsheet | Salesforce-Certified-Advanced-Administrator pdf get | Salesforce-Certified-Marketing-Cloud-Consultant bootcamp | Salesforce-Certified-CPQ-Specialist actual questions | CRT-160 Latest Questions | Salesforce-Certified-Education-Cloud-Consultant questions answers | ADM-201 study guide | Salesforce-Certified-Community-Cloud-Consultant test test | Marketing-Cloud-Consultant test prep | DEV-401 test test | CPQ-211 cheat sheets | Salesforce-Certified-User-Experience-Designer cram | CHAD braindumps | DEV-501 training material | DEX-403 test dumps | Pardot-Consultant pass test | Salesforce-Certified-Identity-and-Access-Management-Designer free pdf | PDI examcollection | ADM-261 Free PDF |
References :
Similar Websites :
Pass4sure Certification test
dumps
Pass4Sure test
Questions and Dumps
Certified-Data-Architecture-and-Management-Designer 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 Certified-Data-Architecture-and-Management-Designer 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