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 GRE?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der GRE: Graduate Record Examinations Full - 2024 Prüfung.

2024 Updated Actual GRE questions as experienced in Test Center

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

Admission-Tests GRE : Graduate Record Exams Full - 2024 Practice Tests

Practice Tests Organized by Martin Hoax



Latest 2024 Updated Admission-Tests Graduate Record Exams Full - 2024 Syllabus
GRE dumps collection with Premium PDF and Test Engine

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




GRE dumps collection : Download 100% Free GRE practice tests (PDF and VCE)

Exam Number : GRE
Exam Name : Graduate Record Exams Full - 2024
Vendor Name : Admission-Tests
Update : Click Here to Check Latest Update
Question Bank : Check Questions

Download GRE free PDF Download with Practice Questions
Don't rely on outdated and invalid GRE Question Bank available on the internet if you failed the GRE exam. Their real GRE Free PDF are regularly updated, valid, and tested. You only need to obtain their free Premium Questions and Ans before registering for a full copy of their GRE Mock Exam. Practice with their material guarantees that you will sit for a real GRE exam. Experience how their GRE boot camp works.

At killexams.com, they are proud of the success stories of countless individuals who have passed the GRE test with their Exam Questions. These individuals have secured excellent positions within their companies, and they have reported an improvement in their knowledge after using their GRE Free PDF. They don't just focus on helping people pass the GRE test with their braindumps; they aim to enhance their understanding of GRE concepts and topics, so they can excel in their field. Their commitment to their customers has made us a trusted name in the industry.

Passing the genuine Admission-Tests GRE test is not easy, and relying solely on GRE textbooks or free online resources won't cut it. The test includes tricky questions and scenarios that can confuse even the most seasoned professional. That's where killexams.com comes in. They offer Real GRE Question Bank in the form of Free test PDF and VCE test simulator to help you prepare for the exam. You can obtain their free GRE Latest Topics before registering for the full version of GRE Question Bank. We're confident that you'll be satisfied with the quality of their Exam Questions. Don't forget to check for special discount coupons to make the most of your purchase.

To pass the Graduate Record Exams Full - 2024 exam, you need to have a clear understanding of the GRE syllabus and access to an up-to-date question bank. reading and practicing with genuine questions is the best way to achieve quick success. The genuine GRE test includes tricky questions, which can be mastered by downloading and reading their free GRE Latest Topics test questions from killexams.com. Once you feel confident in retaining the GRE questions, register and obtain access to their latest and valid GRE Free PDF containing real test questions and answers. Install VCE simulator on your PC and take practice tests as often as possible. Once you have memorized all the questions in the Graduate Record Exams Full - 2024 questions bank, it's time to head to the Test Center and sit for the genuine exam.







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


Test Detail:
The GRE (Graduate Record Exams) is a standardized test designed to assess the readiness of students for graduate-level studies. The test consists of multiple-choice questions and constructed-response tasks in three sections: Verbal Reasoning, Quantitative Reasoning, and Analytical Writing. Here is a detailed overview of the GRE test, including the number of questions and time, course outline, test objectives, and test syllabus.

Number of Questions and Time:
The GRE test consists of three sections, each with a different number of questions and time limits:

1. Verbal Reasoning:
- Number of Questions: Approximately 40 questions (20 per section)
- Time Limit: 30 minutes per section

2. Quantitative Reasoning:
- Number of Questions: Approximately 40 questions (20 per section)
- Time Limit: 35 minutes per section

3. Analytical Writing:
- Number of Tasks: One "Issue" task and one "Argument" task
- Time Limit: 30 minutes per task

Course Outline:
The GRE does not have a specific course outline, as it is a test that assesses a student's general knowledge and skills. However, test-takers can prepare for the test by focusing on the following key areas:

1. Verbal Reasoning:
- reading Comprehension: Understanding and analyzing written passages.
- Text Completion: Filling in the missing words in a given text.
- Sentence Equivalence: Selecting the correct words to complete a sentence.

2. Quantitative Reasoning:
- Arithmetic: Numbers, operations, percentages, and ratios.
- Algebra: Equations, inequalities, functions, and exponents.
- Geometry: Lines, angles, triangles, circles, and polygons.
- Data Analysis: Interpreting and analyzing data from tables, graphs, and charts.

3. Analytical Writing:
- Issue Task: Analyzing and presenting arguments on a given issue.
- Argument Task: Evaluating and critiquing an argument and proposing alternative explanations or solutions.

Exam Objectives:
The objectives of the GRE test include:
- Assessing the test-taker's readiness for graduate-level academic work.
- Evaluating critical thinking skills, analytical reasoning, and problem-solving abilities.
- Providing graduate schools and programs with a standardized measure for admissions and scholarship decisions.

Exam Syllabus:
The GRE test covers a broad range of content areas. The syllabus includes:

1. Verbal Reasoning Section:
- reading Comprehension: Understanding and analyzing written passages from various disciplines.
- Text Completion: Filling in the missing words in a given text to maintain coherence and meaning.
- Sentence Equivalence: Selecting the correct words to complete a sentence with equal meaning.

2. Quantitative Reasoning Section:
- Arithmetic: Operations, percentages, ratios, and proportions.
- Algebra: Equations, inequalities, functions, and exponents.
- Geometry: Lines, angles, triangles, circles, and polygons.
- Data Analysis: Interpreting and analyzing data from tables, graphs, and charts.

3. Analytical Writing Section:
- Issue Task: Analyzing a given issue, presenting an argument, and supporting it with evidence and examples.
- Argument Task: Evaluating an argument, identifying logical flaws, and providing alternative explanations or solutions.

Note: The specific content and emphasis within each section may vary from test to test, but the overall structure and objectives remain consistent.

It's important to note that the GRE is periodically updated, and the test content and format may change. It is recommended to consult the official GRE website or authorized test centers for the most up-to-date information regarding the test.



Killexams Review | Reputation | Testimonials | Feedback


Need updated practice tests for the GRE exam? Here they are.
In my GRE exam, I managed to answer all the questions in half the time. Thanks to killexams.com test guide, I will be able to use it for future tests as well. I want to inform you that with the help of your test and honing gadgets, I passed my GRE test with good marks. I appreciate this website for being a great aid to me.


The GRE study guide is much easier with these practice tests.
I am grateful to killexams.com for helping me pass the GRE test with a score of 78.75% in my first attempt. The correct Questions Answers provided by the website were instrumental in my success. I had managed to score 90%, but due to poor marking, my score came down to 78%. Nonetheless, I am very pleased with the support provided by the killexams.com team.


The questions were exactly the same as I received!
Preparing for the GRE practice test can be a lot of hard work and requires good time management. Fortunately, killexams.com offers several time schedules to make this process more manageable. Their certification provides all the tutorial guides necessary for the GRE practice exam, so don't waste any time and start your preparation with them today.


What is required to pass the GRE test with little effort?
I used both the killexams.com Questions Answers dump and the GRE test Simulator for my test preparation, and they worked well for me. The material helped me identify my weaknesses and Excellerate my knowledge of the precise topics, making me well-prepared for the exam. I wish everyone success in their test endeavors.


Real GRE questions! I was not expecting such ease in the exam.
I purchased the online mock test for the GRE test and passed it on my first attempt. I am grateful for the help provided by killexams.com. I scored 98%, and it is a great accomplishment for me. The killexams.com team is wonderful, and I hope they continue to update their questions and keep up the good work.


Admission-Tests Exams education

GRE Exam

User: Sambo*****

Studying for the GRE test was initially challenging for me, but after weeks of using Killexams.com questions and answers, I was able to answer 95% of the questions during the exam. Today, I work as a trainer in the coaching business, and I owe my success to Killexams.com. I used to struggle with managing my time between work and study, but thanks to Killexams, I was able to plan effectively for the exam.
User: Irene*****

Preparing for the GRE test was a challenging experience with so many complicated subjects to cover. However, with the help of Killexams.com, I gained the confidence needed to pass the test by practicing on exact questions. I scored an impressive 84%, despite encountering some twisted questions. Thanks to Killexams.com, I was able to mark the correct answers.
User: Stepan*****

I am thrilled to share that I have passed the gre exam, and Killexams gre Questions and test Simulator played a significant role in helping me achieve my goal. The framework questions were the most challenging part of the exam, but the hours I spent honing my skills using the Killexams test simulator paid off.
User: Vadim*****

This is the best test-preparation resource available! Thanks to killexams.com, I passed my GRE test with ease, with only one question unseen in the exam. The practice tests and the additional information provided make this product more than just a brain-dump test. With an online test simulator, it is an extremely valuable tool for advancing ones career through combined traditional studies.
User: Isidora*****

Thank you for the GRE practice tests. I was able to identify most of the questions and simulations that were already covered in your practice tests. 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 GRE test with simple questions and answers, and Killexams.com Questions Answers satisfied my need by defining the complicated subjects in the most effective manner. In the genuine exam, I scored 97%, which exceeded my expectation. Thanks to Killexams.com for their awesome guideline.

GRE Exam

Question: All real test questions of GRE exam! Are you kidding?
Answer: Yes, it looks like they are kidding but it is true. All the GRE real test questions are included in the test prep with VCE practice tests. That will prepare you enough to answer all the questions in the test and get good marks.
Question: Exam simulator says Incorrect Username or Password, Why?
Answer: Your killexams portal username and password are different than your test simulator username and password. You can see your test simulator username/password in your MyAccount under your obtain section. You are using your portal username/password in your test simulator, that's why you can not log in.
Question: Do you recommend me to use this extremely good source of genuine test questions?
Answer: Yes, Killexams highly recommend these genuine GRE questions to memorize before you go for the genuine test because this GRE dumps collection contains an up-to-date and 100% valid GRE dumps collection with a new syllabus.
Question: Is GRE test test engine software free?
Answer: Killexams do not charge for test Simulator Software, but you have to buy the test files. Software is provided free of cost on the website. You can obtain and install any time. When you buy GRE exam, you will be able to obtain GRE.sis files that are test files. You can use this test simulator software with all the exams you buy from killexams.
Question: Do I need test prep of GRE test to pass the exam?
Answer: Yes, It makes it a lot easier to pass GRE exam. You need the latest GRE questions of the new syllabus to pass the GRE exam. These latest GRE test prep are taken from real GRE test question bank, that's why these GRE test questions are sufficient to read and pass the exam. Although you can use other sources also for improvement of knowledge like textbooks and other aid material these GRE questions are sufficient to pass the exam.
Admission-Tests+Exams+education
https://www.pass4surez.com/art/read.php?keyword=Admission-Tests+Exams+education&lang=us&links=remove



While it is hard job to pick solid certification questions/answers regarding review, reputation and validity since individuals get sham because of picking incorrec service. Killexams.com ensure to serve its customers best to its efforts as for ACTUAL EXAM QUESTIONS update and validity. Most of other's post false reports with objections about us for the brain dumps bout their customers pass their exams cheerfully and effortlessly. They never bargain on their review, reputation and quality because killexams review, killexams reputation and killexams customer certainty is imperative to us. Extraordinarily they deal with false killexams.com review, killexams.com reputation, killexams.com scam reports. killexams.com trust, killexams.com validity, killexams.com report and killexams.com that are posted by genuine customers is helpful to others. If you see any false report posted by their opponents with the name killexams scam report on web, killexams.com score reports, killexams.com reviews, killexams.com protestation or something like this, simply remember there are constantly terrible individuals harming reputation of good administrations because of their advantages. Most clients that pass their exams utilizing killexams.com brain dumps, killexams PDF questions, killexams practice questions, killexams test VCE simulator. Visit their example questions and test brain dumps, their test simulator and you will realize that killexams.com is the best ACTUAL EXAM QUESTIONS site.

Which is the best practice tests website?
Without a doubt, Killexams is fully legit along with fully reputable. There are several includes that makes killexams.com real and genuine. It provides recent and fully valid test questions made up of real exams questions and answers. Price is minimal as compared to almost all of the services online. The Questions Answers are up to date on regular basis with most recent questions. Killexams account arrangement and product or service delivery is rather fast. Data downloading can be unlimited and also fast. Help is avaiable via Livechat and Message. These are the features that makes killexams.com a sturdy website that supply test prep with real exams questions.



Is killexams.com test material dependable?
There are several Questions Answers provider in the market claiming that they provide genuine test Questions, Braindumps, Practice Tests, Study Guides, cheat sheet and many other names, but most of them are re-sellers that do not update their contents frequently. Killexams.com is best website of Year 2024 that understands the issue candidates face when they spend their time studying obsolete contents taken from free pdf obtain sites or reseller sites. Thats why killexams.com update test Questions Answers with the same frequency as they are updated in Real Test. test 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 Topics of new syllabus, They recommend to obtain PDF test Questions from killexams.com and get ready for genuine exam. When you feel that you should register for Premium Version, Just choose visit killexams.com and register, you will receive your Username/Password in your Email within 5 to 10 minutes. All the future updates and changes in Questions Answers will be provided in your obtain Account. You can obtain Premium practice questions files as many times as you want, There is no limit.

Killexams.com has provided VCE practice questions Software to Practice your test by Taking Test Frequently. It asks the Real test Questions and Marks Your Progress. You can take test as many times as you want. There is no limit. It will make your test prep very fast and effective. When you start getting 100% Marks with complete Pool of Questions, you will be ready to take genuine Test. Go register for Test in Test Center and Enjoy your Success.




ACE-PT free test papers | CIA-III free study guide | ACA-Database test cram | C1000-142 certification demo | ASF test prep questions | ASTQB-CMT Study Guide | 61451V Test Prep | CPCM study help | 3002 test questions | Salesforce-Certified-Community-Cloud-Consultant practice test | 101-500 pdf test | 3V0-42.20 prep questions | TM1-101 practice test | FSLCC online test | ASVAB test Questions | 200-500 free questions | HPE0-J58 PDF Questions | E20-598 practical test | CNS test questions | CBUNA-CURN PDF obtain |


GRE - Graduate Record Examinations Full - 2024 practice tests
GRE - Graduate Record Examinations Full - 2024 test questions
GRE - Graduate Record Examinations Full - 2024 test
GRE - Graduate Record Examinations Full - 2024 test questions
GRE - Graduate Record Examinations Full - 2024 test
GRE - Graduate Record Examinations Full - 2024 PDF download
GRE - Graduate Record Examinations Full - 2024 Free PDF
GRE - Graduate Record Examinations Full - 2024 test questions
GRE - Graduate Record Examinations Full - 2024 Study Guide
GRE - Graduate Record Examinations Full - 2024 test questions
GRE - Graduate Record Examinations Full - 2024 Free PDF
GRE - Graduate Record Examinations Full - 2024 genuine Questions
GRE - Graduate Record Examinations Full - 2024 PDF Questions
GRE - Graduate Record Examinations Full - 2024 information search
GRE - Graduate Record Examinations Full - 2024 boot camp
GRE - Graduate Record Examinations Full - 2024 information source
GRE - Graduate Record Examinations Full - 2024 Real test Questions
GRE - Graduate Record Examinations Full - 2024 Latest Topics
GRE - Graduate Record Examinations Full - 2024 Latest Topics
GRE - Graduate Record Examinations Full - 2024 Free test PDF
GRE - Graduate Record Examinations Full - 2024 test contents
GRE - Graduate Record Examinations Full - 2024 Latest Topics
GRE - Graduate Record Examinations Full - 2024 Questions and Answers
GRE - Graduate Record Examinations Full - 2024 test Questions
GRE - Graduate Record Examinations Full - 2024 genuine Questions
GRE - Graduate Record Examinations Full - 2024 genuine Questions
GRE - Graduate Record Examinations Full - 2024 testprep
GRE - Graduate Record Examinations Full - 2024 test cram
GRE - Graduate Record Examinations Full - 2024 Latest Topics
GRE - Graduate Record Examinations Full - 2024 Practice Questions
GRE - Graduate Record Examinations Full - 2024 PDF Download
GRE - Graduate Record Examinations Full - 2024 test prep
GRE - Graduate Record Examinations Full - 2024 Latest Topics
GRE - Graduate Record Examinations Full - 2024 Test Prep
GRE - Graduate Record Examinations Full - 2024 guide
GRE - Graduate Record Examinations Full - 2024 practice tests
GRE - Graduate Record Examinations Full - 2024 Real test Questions
GRE - Graduate Record Examinations Full - 2024 book
GRE - Graduate Record Examinations Full - 2024 information hunger
GRE - Graduate Record Examinations Full - 2024 test contents
GRE - Graduate Record Examinations Full - 2024 study help
GRE - Graduate Record Examinations Full - 2024 test questions
GRE - Graduate Record Examinations Full - 2024 study help
GRE - Graduate Record Examinations Full - 2024 syllabus

Other Admission-Tests Practice Tests


OAT Practice Test | SSAT test results | LSAT-Logical-Reasoning prep questions | SAT test cram | WorkKeys mock exam | GRE-Verbal mock questions | MCAT online exam | LSAT-reading-comprehension pdf questions | LSAT free practice test | ASSET test example | CBEST test Questions | HESI-A2 test sample | GRE-Quantitative test preparation | GMAT-Verbal free pdf | GMAT study material | Praxis-Core test exam | MAT practice questions | TOEFL practice questions | GRE demo questions |


Best practice tests You Ever Experienced


ICTS download | GE0-807 test prep | H12-711 questions answers | NACE-CIP1-001 Free PDF | 4A0-255 practice exam | BL00100-101-E pass exam | CBM Practice Questions | Scrum-PSD-I certification sample | BCS-BAP study guide | ASSM prep questions | BCB-Analyst mock exam | C1000-043 pass marks | NSE5_FAZ-7.0 test exam | CTEL test questions | NCEES-PE-Civil-WRE test prep questions | TCP-BW6 practice exam | LCSPC test prep | RNAS-C Study Guide | MB-320 Practice test | CTAL-TTA-001 free questions |





References :


http://killexams-braindumps.blogspot.com/2020/06/anyone-can-pass-gre-exam-with-our-free.html
https://killexams-posting.dropmark.com/817438/23730979
https://www.instapaper.com/read/1321518154
https://sites.google.com/view/killexams-gre-exam-questions
https://files.fm/f/4h3khhh4r
https://youtu.be/k6vrURNp4EQ
http://feeds.feedburner.com/ExecuteYourMb3-215ExamAtFirstAttempt



Similar Websites :
Pass4sure Certification test Practice Tests
Pass4Sure Certification Question Bank






Direct Download

GRE 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.

GRE Reviews

100% Valid and Up to Date GRE 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