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 FSOT?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der FSOT: Foreign Service Officer Test Prüfung.

2024 Updated Actual FSOT questions as experienced in Test Center

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

E html>

Certification-Board FSOT : Foreign Service Officer Test ACTUAL EXAM QUESTIONS

Exam Dumps Organized by Martha nods



Latest 2024 Updated Certification-Board Foreign Service Officer Test Syllabus
FSOT 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




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

Exam Number : FSOT
Exam Name : Foreign Service Officer Test
Vendor Name : Certification-Board
Update : Click Here to Check Latest Update
Question Bank : Check Questions

Pass FSOT test with FSOT Question Bank and cheat sheet
Our FSOT certification test guides are created by IT specialists. They have a group of FSOT certified individuals who work together to make a tremendous assortment of genuine FSOT test questions for candidates to simply go through and finish their test. Simply retaining the FSOT Questions and Answers that they provide is adequate to finish the FSOT test on the first attempt.

Preparing for the Certification-Board FSOT test is not an easy task with just FSOT textbooks or free resources available online. The test includes many tricky questions that can confuse and cause candidates to fail. However, killexams.com offers a solution to this problem by providing real FSOT questions in the form of PDF Download and a VCE test simulator. Before signing up for the full version of FSOT Practice Questions, you can download 100% free FSOT Cheatsheet to ensure the quality of the material.

We offer genuine FSOT test Q&A in two formats: FSOT PDF files and FSOT VCE test simulator. You can pass the Certification-Board FSOT test quickly with their material. The FSOT PDF format is available for reading on any device, and you can print FSOT cheat sheet to create your own study guide. Their pass rate is high at 98.9%, and the success rate of their FSOT study guide and real test is 98%. If you want to succeed in the FSOT test on your first attempt, visit the Certification-Board FSOT real test at killexams.com.

You can download FSOT cheat sheet PDF on any device, such as an iPad, iPhone, PC, smart TV, or Android, to read and memorize the FSOT questions and answers. Spend as much time as possible on reviewing FSOT subjects and answers, and practice with the VCE test simulator to Excellerate your memory and recognition of the questions. By practicing well before the actual FSOT exam, you will achieve better scores.







FSOT test Format | FSOT Course Contents | FSOT Course Outline | FSOT test Syllabus | FSOT test Objectives


The Foreign Service Act of 1980 tasks the U.S.
Department of State – and the Board of Examiners
(BEX) specifically – with responsibility for the
evaluation and selection of candidates for the
Foreign Service.

The Department takes this charge seriously and has
devoted significant resources to the development of
a Foreign Service Officer Selection Process with
the goal of providing all candidates, regardless of
socioeconomic background, education, or
experience, a chance to demonstrate their potential
to be a Foreign Service Officer.

Candidates who participate in the selection process
will find that it is designed to challenge them and to
give them the opportunity to demonstrate qualities
that have been identified as necessary to become a
successful Foreign Service Officer. Thus, the
Board of Examiners stands by the validity and
integrity of the test process as being a fair
and accurate selection method for Foreign Service
Officers. Indeed, it is vital to the U.S. Department
of States mission and purpose.

To ensure no bias in favor of any candidate, the
Board of Examiners periodically revises its testing
materials. It also asks all candidates to sign nondisclosure agreements before beginning portions of
the exam, and has implemented other
safeguards. Please note that BEX will terminate the
candidacy of anyone found to have violated the nondisclosure agreement.
The Foreign Service is a unique career and, perhaps
unsurprisingly, the selection process is also unique.
The Foreign Service selection process, including
the Foreign Service Officer Test (FSOT), the
Qualifications Evaluation Panel (QEP), and the
Foreign Service Oral Assessment (FSOA), is an
employment selection tool used by the Department
of State to identify the most qualified candidates for
Foreign Service positions.



In other words, it is a hiring process. Therefore, the
nature and purpose of this test process are
different from those of educational testing.
In education, test focuses on “mastery
testing” and the goal is to determine if the student
possesses sufficient knowledge or skill to pass a
course or to practice a profession. The exams
are usually comprehensive, covering the entire body
of required knowledge or skill. The scores verify
current competence and command of a definite skill
set. Such exams are often accompanied by
extensive feedback, and possibly remedial training
and reassessment, with the ultimate objective of
passing. Education exams are not a
competition; the objective is for everyone to pass.
In employment selection, the goal is to determine
which candidates are the most qualified because an
organization wants to hire the best. Employment
assessments only trial a job-related body of
knowledge or skills because test time is
limited. The scores are used as predictors of
prospective job performance, rather than indicators
of current competence. Thus, tests like those used in
the Foreign Service Officer selection process are not
accompanied by extensive feedback or remedial
training because they are not meant to measure an
entire body of knowledge or skills. Moreover, the
organizations hiring process is meant to be highly
selective given the limited number of openings
available.



The Foreign Service Officer Test (FSOT) is the first
of eight steps in the FSO selection process. It is a
computer-based test that consists of four separate
test sections:

1. Job Knowledge Test

2. Situational Judgment Test

3. English Expression Test

4. Written Essay Test

The first three sections of the test contain items in a
multiple-choice format. The Written Essay appears
in the last section of the FSOT. Each section of the
test is timed separately and must be completed
within the designated time limit.

This Guide provides trial questions for each
component of the FSOT to deliver candidates a
general idea of the type of questions they will
encounter in the test.

Although the Written Essay section is an important
aspect of the test that is used to determine a
candidates qualifications, it will not be scored
unless the candidate passes the Job Knowledge,
Situational Judgment Test, and English Expression
sections of the test.



Success on the FSOT involves much more than
studying for a test. The FSOT assesses knowledge
and skills that the candidate has acquired from
reading widely from many different sources, study
or course work in a number of related fields, and
other career or life experiences.

In the development of the FSOT, a job analysis
was conducted of the positions held by Foreign
Service Officers to identify the knowledge and
skills critical to success on the job. Then, a
detailed test blueprint was created.

The test blueprint provides an outline of the
required knowledge and skill areas and their
relative importance to the job. The knowledge
and skill areas covered on the FSOT are listed
below.

 Correct grammar, organization, writing
strategy, sentence structure, and
punctuation required for writing or
editing reports: This knowledge area
encompasses English expression and
language usage skills required for preparing
or editing written reports, including correct
grammar and good writing at the sentence
and paragraph level.

 United States Government: This knowledge
area encompasses a general understanding of
the composition and functioning of the federal
government, the Constitution and its history,
the structure of Congress and its role in foreign
affairs, as well as the United States political
system and its role in governmental structure,
formulation of government policies, and
foreign affairs.

 United States History, Society, Customs,
and Culture: This knowledge area
encompasses an understanding of major
events, institutions, and movements in
national history, including political and
economic history, as well as national
customs and culture, social issues and
trends, and the influence of U.S. society and
culture on foreign policy and foreign affairs.



World History and Geography: This knowledge
area encompasses a general understanding of
significant world historical events, issues, and
developments, including their impact on U.S.
foreign policy, as well as knowledge of world
geography and its relationship to U.S. foreign policy.
 Economics: This knowledge area encompasses an
understanding of basic economic principles, as well
as a general understanding of economic issues and
the economic system of the United States.

 Mathematics and Statistics: This knowledge area
encompasses a general understanding of basic
mathematical and statistical procedures. Items
requiring calculations may be included.

 Management Principles, Psychology, and Human
Behavior: This knowledge area encompasses a
general understanding of basic management and
supervisory techniques and methods. It includes
knowledge of human psychology and behavior,
leadership, motivational strategies, and equal
employment practices.

 Communications: This knowledge area
encompasses a general understanding of the
principles of effective communication and publicspeaking techniques, as well as general knowledge
of public media, media relations, and the goals and
techniques of public diplomacy and their use to
support work functions.

 Computers and the Internet: This knowledge area
encompasses a general understanding of basic
computer operations such as word processing,
databases, spreadsheets, and using e-mail and the
Internet.


Related Areas of Study

Success on the FSOT is not necessarily dependent
on a specific course of study. However, the
curriculum of the following college-level courses
often helps to familiarize a candidate with the
information assessed by the test. The names of the
courses are general and may differ from institution
to institution.

• English Composition/Rhetoric

• American History

• American Studies (including cultural and social history)

• American Political Thought

• United States Political System

• American Economic History

• Introduction to Economics (micro and macro)

• World History (Western and non-Western)

• World Geography

• International Economics

• World Religions

• Introduction to Statistics

• Introduction to Management Principles

• Intercultural Communication

• Mass Communication

• Psychology



Killexams Review | Reputation | Testimonials | Feedback


Where can I get help to read and pass FSOT exam?
The killexams.com material is truly incredible, covering everything necessary for in-depth test preparation. Using their Q&A and test simulator, I was able to answer 89 out of 100 questions and prepared well for my FSOT exam. However, I must say that the FSOT test is much tougher than previous tests, so be prepared to sweat and experience some tension.


Get FSOT certified with actual test test .
I had only 12 days to prepare for the FSOT exam, and I was feeling overwhelmed. I needed a smooth and powerful guide urgently, and killexams.com was the answer. Their brief answers were easy to finish within 15 days. During the actual exam, I managed to score 88% and answered 90% of the questions just like the pattern papers that they provided. I am truly grateful to killexams.com for their help.


Use real FSOT braindumps with actual and popularity.
I am so happy with the FSOT Q&A provided by killexams.com that I will use it for all my future exams. I passed the FSOT test successfully and completed all the questions in half the allotted time. The material is the best for safe preparation, and I highly recommend it to anyone preparing for the FSOT exam.


Just rely on this FSOT real question source.
The killexams.com Q&A helped me recognize what precisely to expect in the FSOT exam. With just 10 days of preparation, I was able to complete all the test questions in 80 minutes. The material comprises the subjects from the exam's point of view and helps you memorize all the subjects easily and correctly. It also taught me how to manage my time during the exam. It's a fine technique.


I had no time to study FSOT books and training!
Passing the FSOT test is a significant accomplishment, and I scored an impressive 87% thanks to killexams.com. Learning the material for the FSOT test was not easy, and with numerous complicated subjects to cover, I needed a boost in confidence. Killexams.com provided me with exact questions that gave me the confidence to pass the exam, leading to an outstanding score of 84%. Although some of the questions were tricky, the matching answers from killexams.com helped me to select the correct answers.


Certification-Board Service Study Guide

http://www.pass4surez.com/art/read.php?keyword=Certification-Board+Service+Study+Guide
https://www.pass4surez.com/art/read.php?keyword=Certification-Board+Service+Study+Guide&lang=us&links=remove



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 ACTUAL EXAM QUESTIONS 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 test simulator. Visit Their trial questions and trial 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?
Indeed, Killexams is completely legit and also fully efficient. There are several features that makes killexams.com traditional and genuine. It provides current and completely valid ACTUAL EXAM QUESTIONS filled with real exams questions and answers. Price is nominal as compared to the vast majority of services on internet. The Q&A are kept up to date on ordinary basis utilizing most accurate brain dumps. Killexams account set up and products delivery can be quite fast. File downloading is certainly unlimited and incredibly fast. Assist is avaiable via Livechat and Message. These are the features that makes killexams.com a robust website that provide ACTUAL EXAM QUESTIONS with real exams questions.



Is killexams.com test material dependable?
There are several Q&A 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 download sites or reseller sites. Thats why killexams.com update test Q&A 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 questions 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 subjects of new syllabus, They recommend to download 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 Q&A will be provided in your download Account. You can download 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.




5V0-41.21 study questions | KCNA practice test | SAP-C01 test trial | CBUNA-CUNP ACTUAL EXAM QUESTIONS | HQT-4210 Practice Questions | BL0-200 test prep | QV_Developer_11 cheat sheet | JN0-251 test questions | TCRN training material | PC-CIC-Core test Braindumps | 5V0-62.22 trial test | MO-100 trial questions | IIBA-AAC test questions | JN0-422 cbt | 3002 braindumps | DNCB-DNC test questions | WorkKeys practical test | CVA test prep | CSSGB Latest Questions | FNS study guide |


FSOT - Foreign Service Officer Test Free PDF
FSOT - Foreign Service Officer Test book
FSOT - Foreign Service Officer Test test prep
FSOT - Foreign Service Officer Test braindumps
FSOT - Foreign Service Officer ACTUAL EXAM QUESTIONS
FSOT - Foreign Service Officer Test Test Prep
FSOT - Foreign Service Officer Test education
FSOT - Foreign Service Officer Test cheat sheet
FSOT - Foreign Service Officer ACTUAL EXAM QUESTIONS
FSOT - Foreign Service Officer Test test Questions
FSOT - Foreign Service Officer Test test Questions
FSOT - Foreign Service Officer Test test Questions
FSOT - Foreign Service Officer Test test syllabus
FSOT - Foreign Service Officer Test Free PDF
FSOT - Foreign Service Officer Test techniques
FSOT - Foreign Service Officer Test PDF Download
FSOT - Foreign Service Officer Test information search
FSOT - Foreign Service Officer Test Study Guide
FSOT - Foreign Service Officer Test questions
FSOT - Foreign Service Officer Test test
FSOT - Foreign Service Officer Test test contents
FSOT - Foreign Service Officer ACTUAL EXAM QUESTIONS
FSOT - Foreign Service Officer Test syllabus
FSOT - Foreign Service Officer Test cheat sheet
FSOT - Foreign Service Officer Test study help
FSOT - Foreign Service Officer Test boot camp
FSOT - Foreign Service Officer Test test contents
FSOT - Foreign Service Officer Test exam
FSOT - Foreign Service Officer Test Study Guide
FSOT - Foreign Service Officer Test learning
FSOT - Foreign Service Officer ACTUAL EXAM QUESTIONS
FSOT - Foreign Service Officer Test test Questions
FSOT - Foreign Service Officer Test test format
FSOT - Foreign Service Officer Test test contents
FSOT - Foreign Service Officer Test PDF Questions
FSOT - Foreign Service Officer Test PDF Dumps
FSOT - Foreign Service Officer Test test format
FSOT - Foreign Service Officer Test Study Guide
FSOT - Foreign Service Officer Test Latest Topics
FSOT - Foreign Service Officer Test information hunger
FSOT - Foreign Service Officer Test Question Bank
FSOT - Foreign Service Officer Test tricks
FSOT - Foreign Service Officer Test cheat sheet
FSOT - Foreign Service Officer Test Real test Questions

Other Certification-Board ACTUAL EXAM QUESTIONS


ICTS ACTUAL EXAM QUESTIONS | ABCTE free prep | STAAR test questions | NRP test prep | SBAC study guide | CDL practice exam | CSLE test sample | FSOT practice exam | DMV english test questions | MTEL test exam | RACP braindumps | ISEE PDF Braindumps | ABPN-VNE free pdf download | BCBA pdf download | ABFM past bar exams | NCE practice test | NCC Questions and Answers | BCB-Analyst brain dumps |


Best ACTUAL EXAM QUESTIONS You Ever Experienced


ASSET braindumps | 1T6-222 PDF Braindumps | C1000-161 test Cram | CLOUDF free prep | PSM-I cbt | C1000-058 questions answers | 1Y0-204 real questions | ONCC-CBCN free pdf | C100DBA PDF Download | CAT-220 test papers | AZ-304 questions download | S2000-016 free pdf | I10-003 trial test questions | CCRA-L2 test Questions | CHHE practical test | ASF test preparation | AZ-104 free pdf download | 71301X boot camp | CyberArk-EPM dump | ACHPN trial test |





References :


https://killexams-posting.dropmark.com/817438/23543695
https://killexams-posting.dropmark.com/817438/23680108
https://www.instapaper.com/read/1324035157
https://arfansaleemfan.blogspot.com/2020/07/fsot-foreign-service-officer-test.html
http://feeds.feedburner.com/SimplyRememberTheseFsotQuestionsBeforeYouGoForTest
https://files.fm/f/ugvka75wg
https://www.coursehero.com/file/75557510/Foreign-Service-Officer-Test-FSOTpdf/
https://sites.google.com/view/killexams-fsot-exam-questions
https://killexams-fsot.jimdofree.com/



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






Direct Download

FSOT 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.

FSOT Reviews

100% Valid and Up to Date FSOT 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