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 GLO_CWM_LEVEL_I?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der GLO_CWM_LEVEL_I: Chartered Wealth Manager (CWM) Global Examination Prüfung.

2024 Updated Actual GLO_CWM_LEVEL_I questions as experienced in Test Center

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

GLO_CWM_LEVEL_I PDF download - Chartered Wealth Manager (CWM) Global test | https://www.easyfinanz.cc/

AAFM GLO_CWM_LEVEL_I : Chartered Wealth Manager (CWM) Global test Exam Dumps

Exam Dumps Organized by Richard



Latest 2024 Updated AAFM Chartered Wealth Manager (CWM) Global test Syllabus
GLO_CWM_LEVEL_I 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




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

Exam Number : GLO_CWM_LEVEL_I
Exam Name : Chartered Wealth Manager (CWM) Global Exam
Vendor Name : AAFM
Update : Click Here to Check Latest Update
Question Bank : Check Questions

Do not miss GLO_CWM_LEVEL_I exam dumps with PDF Questions
Putting in effort in the right direction can save you from wasting time and money. If you try to save a little by downloading free Real test Questions from the internet, you may end up wasting your precious resources. It's always best to rely on a reliable service. You can visit killexams.com to download a 100% free trial of Study Guide questions, register to download the full version of the GLO_CWM_LEVEL_I question bank, and then spend 24 hours practicing and practicing. That's all it takes!

At killexams.com, they offer the latest, valid, and up-to-date AAFM GLO_CWM_LEVEL_I Exam dumps that are the best resource to pass the Chartered Wealth Manager (CWM) Global Exam test and boost your professional reputation within your organization. Their reputation is built on helping individuals pass the GLO_CWM_LEVEL_I test on their first attempt. Their Free PDF has remained at the top for the past four years, and their clients trust their GLO_CWM_LEVEL_I Real test Questions and VCE for their real GLO_CWM_LEVEL_I exam. killexams.com is the best provider of real GLO_CWM_LEVEL_I test questions, and they ensure that their GLO_CWM_LEVEL_I Exam dumps are constantly kept real and up-to-date with the latest information.

While the internet is full of Free PDF suppliers, most of them sell obsolete and invalid GLO_CWM_LEVEL_I Exam dumps. To avoid wasting your time and money on invalid GLO_CWM_LEVEL_I Exam dumps, you need to research and find a reliable and up-to-date GLO_CWM_LEVEL_I Test Prep supplier. However, if you don't want to waste time on research, you can trust killexams.com. You can visit their website and download 100% free GLO_CWM_LEVEL_I Exam dumps test questions. They encourage you to register and get a 3-month account to download the latest and valid GLO_CWM_LEVEL_I Test Prep, which contains actual GLO_CWM_LEVEL_I test questions and answers. Additionally, they recommend downloading the GLO_CWM_LEVEL_I VCE test simulator to prepare for your training test.

Our PDF Dumps has helped many candidates pass the GLO_CWM_LEVEL_I exam, and they are now working in great positions in their companies. By utilizing their GLO_CWM_LEVEL_I Exam dumps, they have noticed a significant improvement in their knowledge and are able to work as professionals in real company environments. Their focus is not just on passing the GLO_CWM_LEVEL_I test with braindumps, but on truly enhancing understanding of GLO_CWM_LEVEL_I objectives and topics, leading to success in their fields.







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


Exam Detail:
The GLO_CWM_LEVEL_I Chartered Wealth Manager (CWM) Global test is a professional certification test for individuals looking to demonstrate their knowledge and skills in the field of wealth management. Here are the test details for the GLO_CWM_LEVEL_I exam:

- Number of Questions: The test typically consists of multiple-choice questions. The exact number of questions may vary, but it is generally around 100-150 questions.

- Time Limit: The time allocated to complete the test is usually around 3-4 hours.

Course Outline:
The Chartered Wealth Manager (CWM) program covers a comprehensive range of Topics related to wealth management. The course outline generally includes the following areas:

1. Introduction to Wealth Management:
- Understanding the role and responsibilities of a wealth manager.
- Overview of the wealth management industry and its stakeholders.
- Ethical considerations and professional conduct in wealth management.

2. Investment and Portfolio Management:
- Principles of investment management.
- Asset allocation and diversification strategies.
- Portfolio construction and optimization techniques.
- Risk management and performance evaluation.

3. Financial Planning and Retirement:
- Comprehensive financial planning process.
- Personal financial statements and budgeting.
- Retirement planning and strategies.
- Estate planning and wealth transfer.

4. Tax Planning and Law:
- Basic concepts of tax planning.
- Tax-efficient investment strategies.
- International taxation and cross-border considerations.
- Legal and regulatory frameworks in wealth management.

5. Risk Management and Insurance:
- Risk identification and exam.
- Insurance products and their role in risk management.
- Insurance planning for individuals and businesses.

6. Client Relationship and Communication:
- Understanding client needs and goals.
- Building and managing client relationships.
- Effective communication and presentation skills.

Exam Objectives:
The objectives of the GLO_CWM_LEVEL_I test are as follows:

- Assessing candidates' understanding of wealth management concepts, principles, and practices.
- Evaluating candidates' ability to apply investment and portfolio management techniques.
- Testing candidates' knowledge of financial planning, retirement, tax planning, and risk management.
- Assessing candidates' familiarity with legal, regulatory, and ethical considerations in wealth management.
- Evaluating candidates' ability to effectively communicate and build client relationships.

Exam Syllabus:
The specific test syllabus for the GLO_CWM_LEVEL_I test covers the following topics:

1. Introduction to Wealth Management:
- Role and responsibilities of a wealth manager.
- Overview of the wealth management industry.
- Professional ethics and conduct.

2. Investment and Portfolio Management:
- Investment principles and concepts.
- Asset allocation and portfolio diversification.
- Risk management and performance evaluation.

3. Financial Planning and Retirement:
- Financial planning process and techniques.
- Personal financial statements and budgeting.
- Retirement planning and strategies.

4. Tax Planning and Law:
- Tax planning concepts and strategies.
- Tax-efficient investment techniques.
- International taxation and regulatory frameworks.

5. Risk Management and Insurance:
- Risk identification and exam.
- Insurance products and their role in risk management.
- Insurance planning for individuals and businesses.

6. Client Relationship and Communication:
- Client needs and goal identification.
- Building and managing client relationships.
- Effective communication and presentation skills.



Killexams Review | Reputation | Testimonials | Feedback


What is pass ratio of GLO_CWM_LEVEL_I exam?
killexams.com provides straightforward and robust test preparation materials, enabling you to pass the test simply by studying their questions and answers. I have passed the GLO_CWM_LEVEL_I test on my first attempt and confidently recommend killexams.com as one of the best among other available question banks in the market. I am going to use it for my upcoming tests as well. Thank you so much, killexams.


Great source of great GLO_CWM_LEVEL_I dumps, accurate answers.
I owe my success in the GLO_CWM_LEVEL_I test to killexams.com, as it helped me regain my confidence and gave me the necessary intelligence to pass the test with ease. Their study material was customized to meet my needs, making learning quick and easy. I highly recommend this website to anyone preparing for the GLO_CWM_LEVEL_I exam.


Got no issue! 24 hours prep of GLO_CWM_LEVEL_I actual test questions is sufficient.
I passed my test with an 84% mark in the stipulated time, thanks to killexams.com. Studying while working full-time can be challenging, but the concise answers provided by killexams.com helped me understand complicated subjects. I took the GLO_CWM_LEVEL_I test to advance my career, and killexams.com helped me achieve my goal.


Have a GLO_CWM_LEVEL_I questions bank and dumps to have superb success.
The GLO_CWM_LEVEL_I test is known to be a challenging test to pass, but I was able to pass it on my first attempt last week. Thanks to the killexams.com Questions and Answers, I was well-guided and thoroughly prepared for the exam. To other students preparing for this exam, I advise you not to take it lightly and to test yourself well.


What is easiest way to put together and pass GLO_CWM_LEVEL_I exam?
Emulating the killexams.com Questions Answers was not difficult, and I easily answered all the questions in the GLO_CWM_LEVEL_I exam. I am grateful to killexams.com for their help, and I was able to complete my test preparation within 12 days. The presentation style of their guide was simple, without any lengthened answers or knotty clarifications. Even the tough Topics were taught fantastically, and I understood shipping competence and content know-how easily, scoring 90% marks in the exam.


AAFM (CWM) Latest Topics

   


Obviously it is hard task to pick solid certification Questions Answers concerning review, reputation and validity since individuals get scam because of picking bad service. Killexams.com ensure to serve its customers best to its value concerning ACTUAL EXAM QUESTIONS update and validity. The vast majority of customers scam by resellers come to us for the ACTUAL EXAM QUESTIONS and pass their exams cheerfully and effectively. They never trade off on their review, reputation and quality because killexams review, killexams reputation and killexams customer certainty is vital to us. Specially they deal with killexams.com review, killexams.com reputation, killexams.com scam report grievance, killexams.com trust, killexams.com validity, killexams.com report. In the event that you see any false report posted by their competitors with the name killexams scam report, killexams.com failing report, killexams.com scam or something like this, simply remember there are several terrible individuals harming reputation of good administrations because of their advantages. There are a great many successful clients that pass their exams utilizing killexams.com ACTUAL EXAM QUESTIONS, killexams PDF questions, killexams questions bank, killexams VCE test simulator. Visit their specimen questions and test ACTUAL EXAM QUESTIONS, their test simulator and you will realize that killexams.com is the best brain dumps site.

Which is the best dumps website?
Indeed, Killexams is 100% legit together with fully reputable. There are several features that makes killexams.com real and legitimized. It provides updated and 100% valid ACTUAL EXAM QUESTIONS formulated with real exams questions and answers. Price is suprisingly low as compared to most of the services on internet. The Questions Answers are up to date on common basis along with most latest brain dumps. Killexams account build up and product or service delivery can be quite fast. Data file downloading can be unlimited and very fast. Assist is avaiable via Livechat and Email. These are the characteristics that makes killexams.com a strong website that come with ACTUAL EXAM QUESTIONS with real exams questions.



Is killexams.com test material dependable?
There are several Questions 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 download sites or reseller sites. Thats why killexams.com update test Questions 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 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 Topics 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 Questions Answers 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.




ISSEP real questions | CIA-II practice test | ATTA real questions | NSE5_FMG-7.0 pdf download | HCISPP test Braindumps | HPE6-A72 Questions Answers | 312-50v11 assessment test trial | 2B0-023 bootcamp | SAFe-DevOps cbt | 350-701 PDF download | 300-720 real questions | CCM test Questions | CAT-220 dumps | DES-6322 free pdf | CCNT test Cram | M3-123 practice test | 3X0-204 brain dumps | Salesforce-Certified-CPQ-Specialist cheat sheets | PL-400 practice test | OG0-092 pass marks |


GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination PDF Questions
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination Question Bank
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination study tips
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination test syllabus
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination Latest Questions
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination test
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination test success
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination dumps
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination test Cram
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination certification
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination PDF Dumps
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination information source
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination study tips
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination braindumps
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination Free test PDF
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination Test Prep
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination Test Prep
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination Free test PDF
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination test contents
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination Cheatsheet
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination book
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination test Questions
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination test
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination test contents
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination PDF Questions
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination education
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination cheat sheet
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination test contents
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination Practice Questions
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination PDF Questions
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination study help
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination PDF Download
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination Cheatsheet
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination test success
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination teaching
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination Latest Questions
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination test Questions
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination testing
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination learning
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination test Questions
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination Real test Questions
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination information source
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination Real test Questions
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination testing

Other AAFM ACTUAL EXAM QUESTIONS


GLO_CWM_LEVEL_I real questions | CTEP practice exam | CWM_LEVEL_II test prep |


Best ACTUAL EXAM QUESTIONS You Ever Experienced


ANP-BC Real test Questions | 2V0-21.20 actual Questions | EPPP real questions | CPIM examcollection | CHHE download | 5V0-31.22 practice exam | MOVF braindumps | ML0-320 VCE | Marketing-Cloud-Consultant questions and answers | CRT-450 certification sample | HPE6-A44 test prep | H13-612 boot camp | H12-311 braindumps | ADX-271 online exam | CSM-001 Dumps | PMI-200 practical test | DA-100 test questions | JN0-649 Study Guide | ASVAB-Word-Knowledge Latest Questions | PMI-RMP training material |





References :





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






Direct Download

GLO_CWM_LEVEL_I 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.

GLO_CWM_LEVEL_I Reviews

100% Valid and Up to Date GLO_CWM_LEVEL_I 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