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 ECP-206?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der ECP-206: Certified Associate - IP Networking Prüfung.

2024 Updated Actual ECP-206 questions as experienced in Test Center

Aktuelle ECP-206 Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz

ECP-206 ACTUAL EXAM QUESTIONS - Certified Associate - IP Networking | https://www.easyfinanz.cc/

Ericsson ECP-206 : Certified Associate - IP Networking ACTUAL EXAM QUESTIONS

Exam Dumps Organized by Martin Hoax



Latest 2024 Updated Ericsson Certified Associate - IP Networking Syllabus
ECP-206 ACTUAL EXAM QUESTIONS / Braindumps contains actual test Questions

Practice Tests and Free VCE Software - Questions Updated on Daily Basis
Big Discount / Cheapest price & 100% Pass Guarantee




ECP-206 Test Center Questions : Download 100% Free ECP-206 ACTUAL EXAM QUESTIONS (PDF and VCE)

Exam Number : ECP-206
Exam Name : Certified Associate - IP Networking
Vendor Name : Ericsson
Update : Click Here to Check Latest Update
Question Bank : Check Questions

Pass4sure ECP-206 Cheatsheet that are updated today
We are highly concerned that the most problematic thing on the web is low-quality and invalid Certified Associate - IP Networking Free PDF that people use and fail the test. They have overcome this problem by making their ECP-206 braindumps valid, current, and tested. Their Ericsson ECP-206 test will come up with test questions that reflect the actual ECP-206 exam. Quality, reliability, and incentive for the ECP-206 Exam.

If you are interested in passing the Ericsson ECP-206 test to land a lucrative job, it is recommended that you register with killexams.com. The platform has a team of professionals who are dedicated to collecting actual ECP-206 test questions. By signing up, you will get access to Certified Associate - IP Networking test questions that will ensure your success in the ECP-206 exam. Moreover, you can get the latest ECP-206 test questions every time, and the platform offers a 100% refund guarantee.

Although there are many companies that offer ECP-206 dumps, it is important to note that valid and up-to-date 2024 PDF Questions are crucial. Therefore, it is advisable to reconsider relying on free dumps that are available on the internet. At killexams.com, you can rest assured that you will receive the latest and most updated ECP-206 test questions, which have been meticulously gathered by professionals. With the 100% refund guarantee, you have nothing to lose, and you can be confident that you will pass the ECP-206 test on your first try.







ECP-206 test Format | ECP-206 Course Contents | ECP-206 Course Outline | ECP-206 test Syllabus | ECP-206 test Objectives




Killexams Review | Reputation | Testimonials | Feedback


Real test ECP-206 Questions and answers.
Thanks to killexams.com, I was able to get my ECP-206 accomplice certification. Their materials are beneficial, and their test simulator is virtually wonderful; it replicates the test perfectly. The courses were easy to understand, and the usage of the killexams.com ACTUAL EXAM QUESTIONS made it even easier. The test itself was unpredictable, but with killexams.com Questions and Answers, I felt well-prepared, and I was satisfied with the result.


Are there actual questions for ECP-206 study guides available.
I am very satisfied with the killexams.com bundle deal because I got over 96% in the ECP-206 exam. I read the reliable ECP-206 guide a bit, but I guess killexams.com was my primary schooling useful resource. I memorized most of the Questions and Answers and invested my time to understand the situations and tech/practice targeted elements of the exam. Just buying the killexams.com bundle does not ensure that you will pass your test - some tests are challenging. However, if you study their material diligently and put your heart and mind into your test guidance, then killexams.com truly beats any other test prep alternatives available.


Very easy to get certified in ECP-206 test with these free braindumps.
Thank you for the ECP-206 dumps. I was able to identify most of the questions and simulations that were already covered in your braindumps. I scored 97% marks in the exam. After reading several books, I was still confused about the right material to use for test preparation. I was looking for an easy-to-understand guideline for the ECP-206 test with simple questions and answers, and killexams.com Questions and Answers satisfied my need by defining the complicated subjects in the most effective manner. In the actual exam, I scored 97%, which exceeded my expectation. Thanks to killexams.com for their awesome guide-line.


Belive me or not! This resource ECP-206 questions works.
I am pleased to report that I passed my ECP-206 exam, and the questions provided by killexams.com were valid and accurate. I was promised a 99% pass rate and a cash-back guarantee, but I scored even better! This is fantastic news, and I couldn't be happier.


Have a ECP-206 questions bank and dumps to have superb success.
killexams.com is an accurate indicator of college students and users' ability to prepare for the ECP-206 exam. It is a reliable source of updates, particularly with a test taken shortly before commencing educational observation for the ECP-206 exam. The ECP-206 exams provide an intensive image of the candidate's potential and skills, and killexams.com covers every issue of ECP-206 on which the test is based. Hence, it is a must for anyone who is new to it.


Ericsson IP syllabus

 

Purdue Syllabus Guidelines

Constructing a syllabus is an important component of the course design process. The following materials reflect a research-supported framework to help create a pathway to success in your course. Each semester, Innovative Learning reviews the syllabus framework, identifying needed updates and resources.

The Word files linked below outline Required and Recommended components for your syllabus. Many of these components are already in your Brightspace shell. They just need updates specific to your course. The files below include language that comes directly from University policies or is suggested by the University Senate or specific units. Other demo language reflects an autonomy-supportive classroom that can influence student perception and performance (Young-Jones, Levesque, Fursa & McCain 2019). Italicized text indicates notes to instructors. Plain text provides examples of language.

Tips for creating your syllabus:

  • Don’t revise what you don’t have to. Resources listed under University Policies and Statements and the Student Services widget in the Brightspace shell are updated each semester and automatically populated. You may call these resources to your students’ attention.
  • Instructors cannot see the Student Services widget in Brightspace, but you can see the most latest version of it here.
  • Feel free to add additional resources that might help your students to your syllabus.
  • Once your syllabus is complete, please also upload it to Purdue’s Course Insights syllabus archiving system. For questions related to the syllabus framework, email innovativelearningteam@purdue.edu.

    Note: The Purdue syllabus guidelines are influenced by Instruction Matters: Purdue Academic Course Transformation (IMPACT) and the resources available through Purdue’s Brightspace learning management system (LMS). It also addresses criteria of the valid and reliable syllabus rubric published by the University of Virginia Center for Teaching Excellence (Palmer, Bach & Streifer 2017). Components fall under five categories: 1) Essential course information, instructor contact information, and course description, 2) Specific, student-centered learning outcomes and objectives that are clear, articulated and measurable (Bristol et al 2019), 3) Assessment strategies for all graded assignments that make explicit connections between learning outcomes, activities, and content, 4) Pedagogical approaches and activities that help students achieve the course outcomes and objectives, and 5) Policies and approaches that foster engaging, student-centered learning environments.

    References

    Adena Young-Jones, Chantal Levesque, Sophie Fursa & Jason McCain (2019): Autonomy-supportive language in the syllabus: supporting students from the first day. Teaching in Higher Education. DOI: 10.1080/13562517.2019.1661375.

    Levesque-Bristol, C., Flierl, M., Zywicki, C., Parker, L.C., Connor, C., Guberman, D., Nelson, D., Maybee, C., Bonem, E., FitzSimmons, J., & Lott, E. (2019). Creating Student-Centered Learning Environments and Changing Teaching Culture: Purdue University’s IMPACT Program. National Institute for Learning Outcomes Assessment (NILOA).

    Palmer, M. S., Bach, D. J., & Streifer, A. C. (2014). Measuring the promise: A learning‐focused syllabus rubric. To Excellerate the Academy: A Journal of Educational Development, 33 (1), 14-36.


    Course Syllabus Information

    Research indicates that syllabi can increase student motivation and create equitable learning environments through transparency about key expectations for student learning and engagement. Consistent with the University’s Course Syllabus Policy, all courses at Saint Louis University are expected to have a syllabus, and all syllabi are expected to provide students with basic information about key aspects of the course.

    Below are the required syllabus components for all SLU courses, as well as recommended syllabus components and other considerations that can enhance syllabi. Click the down arrows next to each header to expand the text and learn more. 

    Please note: Academic units and programs (like the University Core) may require you to include additional information in your syllabus. Please check with program leaders if you need information about additional, program-specific syllabus content you should include. 

    Required Syllabus Components

    The University's Course Syllabus Policy aims to ensure that all students have access to consistent information about their courses and about University-level policies. The policy identifies nine components that must be a part of every course syllabus. These nine components constitute a minimum; academic units may require additional components, and instructors may choose to include other information. The policy specifies the information that must be included in every course syllabus, but it does not dictate a particular format or order for how this information is presented in a syllabus.  Academic units may require additional components to be included in course syllabi, and individual instructors certainly will want to add other course-specific information, as well. Required syllabus statements are available as a module in the Canvas Commons, for those who wish to import the statements directly into their Canvas courses. Click here for a printer-friendly version.

    1. Course Information

    a. Course number/sectionb. Course meeting time(s) [if applicable]c. Location [if applicable]d. Pre-requisites/Co-requisites [if applicable]e. Catalog Course Description

    2. Instructor Information

    a. Instructor name (including TA and peer instructors, if applicable)b. Where, when, and how to contact the instructor

    3. Learning

    a. List course learning outcomes, objectives, and/or competencies

    4. Required Materials and/or Equipment

    a. Textbooks and/or course textsb. Other materials and/or equipment (e.g., calculators, art supplies, lab safety equipment, medical equipment, hardware requirements, software access, virtual proctoring requirements, digital storage devices, special clothing, musical instruments, etc.)

    5. Evaluation and Grading

    a. List of components on which students will be evaluated (e.g., exams, projects, essays, participation, presentations, etc.)b. Grading scale(s) governing the coursec. Policy on late or missing work/examsd. Penalties on missed classes and/or tardiness [if applicable]e. Catalog Course Description

    8. Disability Accommodations

    Insert and/or link to the required Disability Accommodations Syllabus StatementNote: Due to accreditation requirements, regulatory differences, and/or location-specific resources, the School of Law, the School of Medicine, and SLU Madrid have their own standard language for syllabus statements related to disability accommodations. Faculty in those units should seek guidance for syllabus requirements from their dean's office.

    9. Title IX

    Insert and/or link to the required Title IX Syllabus StatementNote: Due to accreditation requirements, regulatory differences, and/or location-specific resources, the School of Law, the School of Medicine, and SLU Madrid have their own standard language for syllabus statements related to Title IX. Faculty in those units should seek guidance for syllabus requirements from their dean's office.

    Recommended Syllabus Components

    In addition to the nine required components listed above, many instructors also find it useful to include information about or guidance on a range of other topics. The following list is drawn from common practices at SLU, as well as from the literature on effective syllabus construction and on creating inclusive courses that support student learning and success. This list is by no means exhaustive or in order of priority. Note: For some academic units, items on this list also may be required. Click here for a printer-friendly version.

    Other Course Information
  • An expanded description of the course, its priorities, key concepts, etc.
  • Course schedule with due dates for assignments, exams, reading, and other activities
  • Disclaimer about the possibility of changes to the course schedule
  • Information about Learning Activities/Assignments
  • Description of informal learning activities students will engage in (e.g., informal in-class activities, participation expectations, service-learning experiences, etc.)
  • Articulation of the link between course assignments/activities and state learning outcomes, objectives, and/or competencies
  • Additional Information about Academic Honesty
  • Unit-level academic honesty policies and practices [if applicable]
  • Course-specific guidance on academic honesty
  • Statements of professional ethics or codes of conduct [if applicable]
  • Other Course-Specific Information
  • Insert a basic needs security syllabus statement (like this one, which was developed at SLU to alert students to campus resources for things like food and shelter insecurity)
  • Course etiquette/civility policies or other expectations about interactions between and among members of the class
  • With a significant number of SLU courses now being conducted via various distance education modalities, a University-wide recommended syllabus statement on distance education etiquette is warranted. This statement is recommended for all syllabi for all courses at all locations (except the Madrid Campus) offered by the colleges/schools and other academic units reporting to the University Provost.
  • Information about what will happen in cases of inclement weather
  • Information about relevant safety/security protocols and procedures (e.g., location of eye wash stations, active shooter response, etc.)
  • Distinction between "excused" and "unexcused" absences [if applicable and consistent with University attendance policy]
  • Statement that student work in the course may be used in course/program exam
  • Information about requirements for experiential/off-campus learning (e.g., liability waiver, background check, internship learning contract, service expectations, etc.)
  • Other Considerations for Course Syllabi

    Below are additional suggestions drawn from the literature on effective syllabus construction and adopted by some SLU instructors. The Reinert Center for Transformative Teaching and Learning can assist instructors who wish to learn more about items on this list. The Reinert Center website also may provide additional information about these considerations. Click here for a printer-friendly version.

    Consider Adding a Graphic Syllabus

    A graphic/visual representation of the major components of a course can help students connect to the larger purpose of a course and/or to better understand the relationships among the components of the course. Learn more about the content of a graphic syllabus here.

    Share your Teaching Philosophy

    Sharing a brief description of your philosophy of teaching can deliver students a way of understanding what they will experience in your course and why.

    Articulate What Constitutes Engagement in Your Course

    Explaining what constitutes successful "engagement" or "participation" in your course helps to make those expectations explicit and visible for all learners. This can be especially helpful for first-generation and international students, as well as others whose backgrounds may not have prepared them well to understand the "hidden rules" of successful academic engagement.

    Share Tips for Success

    Consider sharing tips for how to be successful in the course. For example, you might provide guidance on effective study strategies for your particular content area or tips for how to read course content effectively. Generic study or reading strategies may not work for your particular discipline or the kinds of concepts or texts you teach. Being transparent about what successful students do in your course or your discipline can help students meet your high expectations.


    The Syllabus

    Daily News Update

    Higher Education News, Opinion and Careers | Weekdays

    Weekly News Update

    Quick Summary of the Week's Higher Ed News | Fridays

    Admissions Weekly Update

    Admissions and Enrollment News, Opinion and Careers | Mondays

    Diversity Weekly Update

    Diversity News, Opinion and Career Advice | Tuesdays

    Student Success

    Student Success News, Ideas, Advice and Inspiration | Weekdays

    Career Advice

    Expert advice on how to succeed professionally | Thursdays

    All Newsletters


     


    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 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?
    Absolutely yes, Killexams is completely legit and fully trustworthy. There are several attributes that makes killexams.com reliable and legitimized. It provides informed and completely valid ACTUAL EXAM QUESTIONS comprising real exams questions and answers. Price is surprisingly low as compared to the vast majority of services online. The Questions and Answers are kept up to date on normal basis along with most latest brain dumps. Killexams account structure and solution delivery is incredibly fast. Record downloading is normally unlimited and incredibly fast. Help support is avaiable via Livechat and Netmail. These are the characteristics that makes killexams.com a robust website that come with ACTUAL EXAM QUESTIONS with real exams questions.



    Is killexams.com test material dependable?
    There are several Questions and Answers provider in the market claiming that they provide actual test Questions, Braindumps, Practice Tests, Study Guides, cheat sheet and many other names, but most of them are re-sellers that do not update their contents frequently. Killexams.com is best website of Year 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 Questions and Answers 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 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 get PDF test Questions from killexams.com and get ready for actual exam. When you feel that you should register for Premium Version, Just choose visit killexams.com and register, you will receive your Username/Password in your Email within 5 to 10 minutes. All the future updates and changes in Questions and Answers 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 actual Test. Go register for Test in Test Center and Enjoy your Success.




    MB-310 free prep | MS-600 free pdf get | ABPN-VNE practice test | Salesforce-CMCAES braindumps | 201 question test | MTCNA demo test | ServiceNow-CSA get | ADM-211 test tips | CNOR practice test | JN0-1302 mock questions | ABFM Latest Questions | 2V0-62.21 test prep | 44202T mock test | TMPTE study guide | 303-200 dumps collection | CECP test test | HPE2-E72 braindumps | HPE2-CP02 past bar exams | MB-340 study guide | 3312 test prep |


    ECP-206 - Certified Associate - IP Networking answers
    ECP-206 - Certified Associate - IP Networking information search
    ECP-206 - Certified Associate - IP Networking Questions and Answers
    ECP-206 - Certified Associate - IP Networking Cheatsheet
    ECP-206 - Certified Associate - IP Networking exam
    ECP-206 - Certified Associate - IP Networking test Questions
    ECP-206 - Certified Associate - IP Networking ACTUAL EXAM QUESTIONS
    ECP-206 - Certified Associate - IP Networking guide
    ECP-206 - Certified Associate - IP Networking education
    ECP-206 - Certified Associate - IP Networking study help
    ECP-206 - Certified Associate - IP Networking guide
    ECP-206 - Certified Associate - IP Networking book
    ECP-206 - Certified Associate - IP Networking Cheatsheet
    ECP-206 - Certified Associate - IP Networking techniques
    ECP-206 - Certified Associate - IP Networking PDF Download
    ECP-206 - Certified Associate - IP Networking real questions
    ECP-206 - Certified Associate - IP Networking Free PDF
    ECP-206 - Certified Associate - IP Networking Practice Test
    ECP-206 - Certified Associate - IP Networking test success
    ECP-206 - Certified Associate - IP Networking outline
    ECP-206 - Certified Associate - IP Networking information source
    ECP-206 - Certified Associate - IP Networking learning
    ECP-206 - Certified Associate - IP Networking PDF Download
    ECP-206 - Certified Associate - IP Networking outline
    ECP-206 - Certified Associate - IP Networking study tips
    ECP-206 - Certified Associate - IP Networking education
    ECP-206 - Certified Associate - IP Networking boot camp
    ECP-206 - Certified Associate - IP Networking information hunger
    ECP-206 - Certified Associate - IP Networking Questions and Answers
    ECP-206 - Certified Associate - IP Networking guide
    ECP-206 - Certified Associate - IP Networking education
    ECP-206 - Certified Associate - IP Networking test
    ECP-206 - Certified Associate - IP Networking Cheatsheet
    ECP-206 - Certified Associate - IP Networking braindumps
    ECP-206 - Certified Associate - IP Networking test Questions
    ECP-206 - Certified Associate - IP Networking PDF Questions
    ECP-206 - Certified Associate - IP Networking test
    ECP-206 - Certified Associate - IP Networking Test Prep
    ECP-206 - Certified Associate - IP Networking test prep
    ECP-206 - Certified Associate - IP Networking test Braindumps
    ECP-206 - Certified Associate - IP Networking boot camp
    ECP-206 - Certified Associate - IP Networking syllabus
    ECP-206 - Certified Associate - IP Networking syllabus
    ECP-206 - Certified Associate - IP Networking PDF Download

    Other Ericsson ACTUAL EXAM QUESTIONS


    ECP-206 practice exam |


    Best ACTUAL EXAM QUESTIONS You Ever Experienced


    ITILFND-V4 PDF Download | MAT cheat sheet pdf | ISO27-13-001 online exam | DMV braindumps | HPE6-A72 study material | OMG-OCUP2-INT200 braindumps | H35-462 Practice Test | CPCM test Cram | ASF practice exam | 101 Latest Questions | BPM-001 practice exam | SEND english test questions | TMPF Test Prep | ASIS-APP real questions | CRT-271 ACTUAL EXAM QUESTIONS | 3V0-21.21 practice questions | ASVAB-Mathematics-Knowledge test questions | 350-501 question test | ASVAB-General-Science past exams | NCS-Core PDF Braindumps |





    References :





    Similar Websites :
    Pass4sure Certification ACTUAL EXAM QUESTIONS
    Pass4Sure test Questions and Dumps






    Direct Download

    ECP-206 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.

    ECP-206 Reviews

    100% Valid and Up to Date ECP-206 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