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 EX0-003?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der EX0-003: Managing Succesful Programmes Foundation (MSPF) Prüfung.

2022 Updated Actual EX0-003 questions as experienced in Test Center

Laden Sie EX0-003 Übungstest und aktuelle Fragen herunter | easyfinanz

Managing Succesful Programmes Foundation (MSPF) actual questions with Latest EX0-003 practice tests | https://www.easyfinanz.cc/

Exin EX0-003 : Managing Succesful Programmes exam Dumps

Exam Dumps Organized by Shahid nazir



Latest 2022 Updated Syllabus
EX0-003 study guide | Latest Braindumps with real Questions

Real Questions from Latest courses of EX0-003 - Updated Daily - 100% Pass Guarantee



EX0-003 trial Questions : Download 100% Free EX0-003 study guide (PDF and VCE)

Exam Number : EX0-003
Exam Name : Managing Succesful Programmes Foundation (MSPF)
Vendor Name : Exin
Update : Click Here to Check Latest Update
Question Bank : Check Questions

Memorize EX0-003 Latest Questions issues before you go with regard to test
killexams.com called high acknowledgement of offering people to pass the EX0-003 test of these very first attempt. They have quite sensitive position among numerous exam braindumps suppliers. They maintain associated with quality by simply updating EX0-003 Cheatsheet about regular foundation and what is validity associated with EX0-003 Latest Topics on standard basis.

Allow me to share many Test Prep suppliers world wide web yet a substantial component of these are usually trading obsolete EX0-003 Real exam Questions. You should get to the free from danger and excellent EX0-003 Study Guide provider world wide web. Perhaps you stopping upward your along with killexams.com. In any situation, keep in mind, your own exploration might wind up as well as exercise within waste materials involving. They all suggest for you in order to easy go in so that they can killexams.com plus obtain 100% cost free EX0-003 Study Guide and attempt the particular small trial questions. When you are thrilled, register and uncover three several months access to obtain the latest and bonafide EX0-003 Real exam Questions which has true test questions and alternatives. You must additionally get EX0-003 VCE test out simulator to your own training.

From the particular function that a individual is contemplating Transferring the particular Exin EX0-003 test to discover the best desires, a person has to register at killexams.com. There are numerous certified seeking to accumulate EX0-003 real test out queries from killexams.com. You will get Managing Succesful Programmes Foundation (MSPF) test out questions so that you can ensure you go EX0-003 exam. You can possibly download caught up EX0-003 test out questions whenever with a entirely Free Of the value. There are several organizations providing EX0-003 Study Guide however Appropriate plus 2022 Up-to-date EX0-003 PDF Download might be a major issue. Reconsider killexams.com prior to deciding to determine to help count on Price tag EX0-003 Real exam Questions on the web.

All of us have a big range of customer feedback associated with potential customers that go EX0-003 test out with the deposits. All are commonly working in fantastic positions on their particular specific organization. Which will is not since they will use each of their EX0-003 Real exam Questions to get only pass the particular examination, that they really superior their know-how. They will job within any kind of organization because expert. Looking for a tendency basically concentrate about passing EX0-003 test as well as their deposits, however truly Boost information regarding EX0-003 subject matter plus goals. In this distinct way, women and men turn out to be effective in their distinct fields.

Popular features of Killexams EX0-003 Real exam Questions
-> EX0-003 Real exam Questions obtain Access in mere 5 minutes.
-> Complete EX0-003 Questions Traditional bank
-> EX0-003 Test Success Ensure
-> Guaranteed Real EX0-003 test questions
-> existing and 2022 updated EX0-003 Questions along with Answers
-> existing 2022 EX0-003 Syllabus
-> Down load EX0-003 Test Files at any place
-> Unlimited EX0-003 VCE Test Simulator Easy access
-> No Control on EX0-003 exam Down load
-> Great Saving coupons
-> 100% Protected Purchase
-> totally Confidential.
-> totally Free Latest Questions trial Queries
-> No Concealed Cost
-> Not any Monthly Request
-> No Vehicle Renewal
-> EX0-003 exam Up-date Intimation through Email

-> Free Tech support team
Test Detail from: https://killexams.com/pass4sure/exam-detail/EX0-003
Costs Details from: https://killexams.com/exam-price-comparison/EX0-003
Observe Complete Listing: https://killexams.com/vendors-exam-list

Discount Promotion on Whole EX0-003 Study Guide questions;
WC2020: 60% Toned Discount to each exam
PROF17: 10% Even more Discount with Value More than $69
DEAL17: 15% Even more Discount with Value More than $99







EX0-003 exam Format | EX0-003 Course Contents | EX0-003 Course Outline | EX0-003 exam Syllabus | EX0-003 exam Objectives


Multiple choice questions
75 questions per paper with one mark available per question
Five questions to be trial and not counted in scores
35 marks required to pass (out of 70 marks available) - 50%
60 minutes duration
Closed book.

The purpose of the MSP® Foundation certification is to confirm you understand the the MSP guidance thoroughly enough to work effectively with those involved in the management of a programme or to act as an informed member of a programme office, business change team or project delivery team working within an environment supporting MSP.

The Managing Successful Programmes (MSP) guidance explains the programme management principles, governance themes and transformational flow that should be applied to the management of programmes or transformational change in any environment. This syllabus is based on the 2011 edition of the MSP guidance. It addresses the requirements of exams at all three levels of qualification, i.e. foundation, practitioner and advanced practitioner.
The primary purpose of the syllabus is to provide a basis for accreditation of those involved in the management of successful programmes. It therefore documents the learning outcomes related to the use of the MSP guidance and describes the requirements a candidate is expected to meet in order to demonstrate that these learning outcomes have been achieved at each qualification level. As a result, it may, support the development of any learning materials and should be read in conjunction with the MSP foundation exam candidate guidance, the MSP practitioner exam candidate guidance and the MSP advanced practitioner exam candidate guidance.
The target audience for this document is:
 exam Board
 exam Panel
 Accredited Training Organizations.

The purpose of the foundation qualification is to determine whether a candidate has sufficient knowledge and understanding of the MSP guidance to interact effectively with those involved in the management of a programme or act as an informed member of a programme office, business change team or project delivery team working within an environment supporting MSP.

Candidates need to show that they understand the key principles and terminology within the MSP guidance. Specifically, successful candidates should be able to:
• Distinguish between projects and programmes
• Identify the MSP defined types of programme and their characteristics
• Explain the benefits of applying the MSP guidance to the management of a programme of transformational change
• Explain the purpose and areas of focus of the defined roles
• Explain the purpose of the seven MSP principles, the nine governance themes and the six transformational flow processes
• Explain the purpose of MSP programme information (documents).

The purpose of the practitioner qualification is to determine whether a candidate has sufficient knowledge and understanding of the MSP guidance to apply the guidance to their own work and, hence, act as an informed member of a programme management team. That is, someone responsible for managing, leading, supporting or advising on work within an MSP environment. Candidates should be capable of applying the MSP guidance in a relatively uncomplicated programme within an environment that uses MSP.
This level is also a prerequisite for programme management professionals progressing toward the advanced practitioner qualification, and those aspiring to become programme management professionals in the future.

Candidates need to exhibit the competences required for both the foundation and practitioner qualifications and show that they could adapt the MSP guidance to the needs of a particular programme environment.
Specifically, successful candidates should be able to:
 Determine whether MSP is an appropriate framework for an identified change initiative
 Justify specific activities that should be undertaken by each of the defined MSP roles during each of the processes of the transformational flow
 Produce, evaluate and suggest improvements to examples of MSP programme information (documents)
 Evaluate the effectiveness of the application of each of the MSP principles, the governance themes and the transformational flow processes
 Adapt the programmes approach to the governance themes to the needs of both the wider programme environment and the sponsoring organization
 Learn from experience and, as a result, propose alternative approaches that would Boost the effectiveness of the application of each of the MSP principles, the
governance themes and the transformational flow processes.

Generic definition from AXELOS learning outcomes exam model
Know key facts, terms and concepts from the guidance MSP learning outcomes exam model
Know facts, including terms, concepts, MSP principles, governance themes, transformational flow processes, and responsibilities from the guidance.
Section header Know facts, terms and concepts relating to the SYLLABUS AREA.
Specifically to recall the:
Level 2 Level 2 – Comprehension (understanding)
Generic definition from AXELOS learning outcomes exam model
Understand concepts from the guidance MSP learning outcomes exam model
Understand the programme environment, MSP principles, governance themes, transformational flow processes, and responsibilities from the guidance.
Section header Understand key concepts relating to the SYLLABUS AREA.
Specifically to identify:
Level 3 Level 3 – Application (using)
Generic definition from AXELOS learning outcomes assessment model
Be able to apply key concepts relating to the syllabus area for a given scenario.
MSP learning outcomes assessment model Be able to:
1) Apply the MSP principles appropriately
2) Use the governance themes appropriately
3) Create the information that is required to manage a programme successfully
4) Tailor the transformational flow processes and the governance themes appropriately for a given programme scenario.
Section header Be able to apply key concepts relating to the SYLLABUS AREA within a given programme scenario.
Specifically to:
Level 4 Level 4 – Analysis (using) Generic definition from AXELOS learning outcomes assessment model
Be able to identify, analyze and distinguish between appropriate and inappropriate use of the guidance for a given scenario.
MSP learning outcomes assessment model
Be able to identify, analyze and distinguish between appropriate and inappropriate use of the guidance through appraisal of completed products and planned or completed programme (and associated project) events for a given programme scenario.
Section header Be able to identify, analyze and distinguish between the appropriate and inappropriate use of key concepts relating to the SYLLABUS AREA within a given programme scenario.
Specifically to:
Level 5 Level 5 – professional practice (creating and justifying) Generic definition from AXELOS learning outcomes assessment model
Not included in the 4 level AXELOS learning outcomes exam model.
MSP learning outcomes assessment model
Be able to develop, evaluate and propose options for tailored approaches, designs or structures and justifying the value of those approaches.
Section header [With reference to the MSP guidance, the case study and any additional information provided in the examination paper] Be able to propose, evaluate and justify tailored approaches to the application of key concepts relating to the SYLLABUS AREA within a given programme scenario.



Killexams Review | Reputation | Testimonials | Feedback


Got no problem! 3 days preparation of EX0-003 Latest dumps is required.
I passed the EX0-003 exam and highly propose killexams.com to anybody who considers buying their materials. this is a fully valid and reliable instruction device, a super option for folks that can not come up with the money for signing up for full-time courses (which is a waste of money and time if you ask me! especially when you have Killexams). If you had been wondering, the questions are actual!


Got no trouble! three days education latest EX0-003 braindumps is needed.
killexams.com had enabled a pleasant enjoy the whole at the same time as I used EX0-003 practice aid from it. I followed the study guides, exam engine and, EX0-003 to every tiniest little element. It changed because of such a gorgeous manner that I have become proficient inside the EX0-003 exam curriculum in depend on days and were given the EX0-003 certification with terrific marks. I am so grateful to every single individual behind the killexams.com platform.


EX0-003 exam questions are changed, Where can i obtain new question bank?
If you need to alternate your destiny and ensure that happiness is your destiny, you need to work hard. Working difficult on my own is not enough to get to the future, you need some path to lead you towards the direction. It was destiny that I located killexams.com during my tests because it leads me closer to my fate. My fate was getting the right grades and killexams.com and its teachers made it viable my teaching so nicely that I could not probably fail using giving me the material for my EX0-003 exam.


Try out these real EX0-003 braindumps.
Great insurance of EX0-003 exam principles, so I learned precisely what I wanted in the course of the EX0-003 exam. I Greatly propose this training from killexams.com to absolutely everyone making plans to take the EX0-003 exam.


What is easiest way to read and pass EX0-003 exam?
Your EX0-003 mock exam papers helped me a lot in an organized and nicely dependent instruction for the exam. Thanks to you I scored 90%. The rationalization given for every answer in the mock exam is so precise that it gave the real practice to exam material.


Exin Managing Practice Questions



While it is very hard task to choose reliable certification questions / answers resources with respect to review, reputation and validity because people get ripoff due to choosing wrong service. Killexams.com make it sure to serve its clients best to its resources with respect to study guide update and validity. Most of other's ripoff report complaint clients come to us for the brain dumps and pass their exams happily and easily. They never compromise on their review, reputation and quality because killexams review, killexams reputation and killexams client confidence is important to us. Specially they take care of killexams.com review, killexams.com reputation, killexams.com ripoff report complaint, killexams.com trust, killexams.com validity, killexams.com report and killexams.com scam. The same care that they take about killexams review, killexams reputation, killexams ripoff report complaint, killexams trust, killexams validity, killexams report and killexams scam. If you see any false report posted by their competitors with the name killexams ripoff report complaint internet, killexams ripoff report, killexams 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 thousands of satisfied customers that pass their exams using killexams.com brain dumps, killexams PDF questions, killexams practice questions, killexams exam simulator. Visit Their trial questions and trial brain dumps, their exam simulator and you will definitely know that killexams.com is the best brain dumps site.

Is Killexams.com Legit?
Absolutely yes, Killexams is totally legit plus fully dependable. There are several characteristics that makes killexams.com genuine and respectable. It provides knowledgeable and totally valid study guide formulated with real exams questions and answers. Price is really low as compared to a lot of the services online. The Questions and Answers are modified on usual basis using most latest brain dumps. Killexams account setup and products delivery is extremely fast. Document downloading is unlimited and really fast. Assist is avaiable via Livechat and Electronic mail. These are the characteristics that makes killexams.com a sturdy website which provide study guide with real exams questions.



Which is the best braindumps site of 2022?
There are several Questions and Answers provider in the market claiming that they provide real exam 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 2022 that understands the issue candidates face when they spend their time studying obsolete contents taken from free pdf download sites or reseller sites. Thats why killexams.com update exam Questions and Answers with the same frequency as they are updated in Real Test. study guide provided by killexams.com are Reliable, Up-to-date and validated by Certified Professionals. They maintain dumps questions of valid Questions that is kept up-to-date by checking update on daily basis.

If you want to Pass your exam Fast with improvement in your knowledge about latest course contents and courses of new syllabus, They recommend to download PDF exam 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 Questions and Answers will be provided in your download Account. You can download Premium study guide files as many times as you want, There is no limit.

Killexams.com has provided VCE practice exam Software to Practice your exam by Taking Test Frequently. It asks the Real exam 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.




AZ-800 actual questions | FPGEE exam prep | HPE0-J68 Latest courses | 2V0-62.21 free pdf | CWT-100 exam questions | 1Y0-204 trial test | 300-635 practice exam | Salesforce-Certified-Marketing-Cloud-Email-Specialist test exam | COF-C01 practice exam | 9A0-412 exam Questions | ACE-PT mock questions | 71200X online exam | ACE-A1.2 english test questions | HPE2-W05 brain dumps | Integration-Architecture-Designer dumps | ASVAB-Automotive-and-Shop braindumps | MLS-C01 exam prep | Servicenow-PR000370 exam questions | C2040-986 exam questions | RE18 test prep |


EX0-003 - Managing Succesful Programmes Foundation (MSPF) exam Cram
EX0-003 - Managing Succesful Programmes Foundation (MSPF) real questions
EX0-003 - Managing Succesful Programmes Foundation (MSPF) answers
EX0-003 - Managing Succesful Programmes Foundation (MSPF) test
EX0-003 - Managing Succesful Programmes Foundation (MSPF) real Questions
EX0-003 - Managing Succesful Programmes Foundation (MSPF) learning
EX0-003 - Managing Succesful Programmes Foundation (MSPF) syllabus
EX0-003 - Managing Succesful Programmes Foundation (MSPF) book
EX0-003 - Managing Succesful Programmes Foundation (MSPF) syllabus
EX0-003 - Managing Succesful Programmes Foundation (MSPF) exam format
EX0-003 - Managing Succesful Programmes Foundation (MSPF) PDF Download
EX0-003 - Managing Succesful Programmes Foundation (MSPF) study help
EX0-003 - Managing Succesful Programmes Foundation (MSPF) tricks
EX0-003 - Managing Succesful Programmes Foundation (MSPF) Questions and Answers
EX0-003 - Managing Succesful Programmes Foundation (MSPF) PDF Questions
EX0-003 - Managing Succesful Programmes Foundation (MSPF) education
EX0-003 - Managing Succesful Programmes Foundation (MSPF) Study Guide
EX0-003 - Managing Succesful Programmes Foundation (MSPF) study tips
EX0-003 - Managing Succesful Programmes Foundation (MSPF) Free PDF
EX0-003 - Managing Succesful Programmes Foundation (MSPF) study help
EX0-003 - Managing Succesful Programmes Foundation (MSPF) information search
EX0-003 - Managing Succesful Programmes Foundation (MSPF) exam syllabus
EX0-003 - Managing Succesful Programmes Foundation (MSPF) outline
EX0-003 - Managing Succesful Programmes Foundation (MSPF) answers
EX0-003 - Managing Succesful Programmes Foundation (MSPF) information search
EX0-003 - Managing Succesful Programmes Foundation (MSPF) education
EX0-003 - Managing Succesful Programmes Foundation (MSPF) PDF Download
EX0-003 - Managing Succesful Programmes Foundation (MSPF) education
EX0-003 - Managing Succesful Programmes Foundation (MSPF) cheat sheet
EX0-003 - Managing Succesful Programmes Foundation (MSPF) certification
EX0-003 - Managing Succesful Programmes Foundation (MSPF) Real exam Questions
EX0-003 - Managing Succesful Programmes Foundation (MSPF) information search
EX0-003 - Managing Succesful Programmes Foundation (MSPF) exam syllabus
EX0-003 - Managing Succesful Programmes Foundation (MSPF) learn
EX0-003 - Managing Succesful Programmes Foundation (MSPF) learning
EX0-003 - Managing Succesful Programmes Foundation (MSPF) exam Questions
EX0-003 - Managing Succesful Programmes Foundation (MSPF) teaching
EX0-003 - Managing Succesful Programmes Foundation (MSPF) learning
EX0-003 - Managing Succesful Programmes Foundation (MSPF) exam format
EX0-003 - Managing Succesful Programmes Foundation (MSPF) exam success
EX0-003 - Managing Succesful Programmes Foundation (MSPF) book
EX0-003 - Managing Succesful Programmes Foundation (MSPF) guide
EX0-003 - Managing Succesful Programmes Foundation (MSPF) information source
EX0-003 - Managing Succesful Programmes Foundation (MSPF) Questions and Answers
EX0-003 - Managing Succesful Programmes Foundation (MSPF) teaching
EX0-003 - Managing Succesful Programmes Foundation (MSPF) testing
EX0-003 - Managing Succesful Programmes Foundation (MSPF) exam contents
EX0-003 - Managing Succesful Programmes Foundation (MSPF) questions
EX0-003 - Managing Succesful Programmes Foundation (MSPF) course outline
EX0-003 - Managing Succesful Programmes Foundation (MSPF) boot camp
EX0-003 - Managing Succesful Programmes Foundation (MSPF) exam dumps
EX0-003 - Managing Succesful Programmes Foundation (MSPF) book
EX0-003 - Managing Succesful Programmes Foundation (MSPF) PDF Download



Best Certification study guide You Ever Experienced


ITSM20F actual questions | EX0-113 exam test | EX0-007 practice exam | EX0-104 practice exam | EX0-114 exam Cram | ISO20KF Study Guide | ITIL-F exam answers | EX0-111 trial test | EX0-116 braindumps | PDPF questions download | ITILSC-OSA bootcamp | ITILFND PDF download | SCNP-EN past exams | EX0-001 practice exam | EX0-115 exam Braindumps | ASM cbt | ASF brain dumps | EX0-110 free pdf | SCNS-EN exam questions | MOVF online exam |





References :


https://killexams-posting.dropmark.com/817438/23555870
http://killexams-braindumps.blogspot.com/2020/06/these-ex0-003-dumps-are-very.html
https://www.instapaper.com/read/1323681204
https://killexams-posting.dropmark.com/817438/23786879
http://feeds.feedburner.com/JustMemorizeTheseEx0-003QuestionsBeforeYouGoForTest
https://www.coursehero.com/file/66129399/EX0-003pdf/
https://www.4shared.com/office/hsLlUOEViq/Managing-Succesful-Programmes-.html
http://ge.tt/16R9X983
https://sites.google.com/view/killexams-ex0-003-questions-an
https://www.4shared.com/video/LI-ZQwSlea/Managing-Succesful-Programmes-.html
https://youtu.be/zzkMbt7DY8s
https://www.clipsharelive.com/video/4609/ex0-003-managing-succesful-programmes-foundation-questions-and-answers-by-killexams-com
https://justpaste.it/EX0-003
https://ello.co/killexamz/post/tfkcgh4eyvsq_glj8nuryg
https://files.fm/f/w9bypee7z
https://spaces.hightail.com/space/v47qz1ixkg/files/fi-bb569c6d-2499-4679-adbb-6e23f3ac19a1/fv-40e6f184-1e1e-461f-aff1-38f205e0b1bd/Managing-Succesful-Programmes-Foundation-(EX0-003).pdf#pageThumbnail-1
http://killexams.decksrusct.com/blog/certification-exam-dumps/ex0-003-managing-successful-programs-foundation-mspf-2021-update-question-bank-by-killexams-com/



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






Direct Download

EX0-003 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.

EX0-003 Reviews

100% Valid and Up to Date EX0-003 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