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-Quantitative?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der GRE-Quantitative: Graduate Record Examination (Quantitative) Prüfung.

2025 Updated Actual GRE-Quantitative questions as experienced in Test Center

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

Admission-Tests GRE-Quantitative : Graduate Record test (Quantitative) Practice Tests

Practice Tests Organized by Lee



Latest 2024 Updated Admission-Tests Graduate Record test (Quantitative) Syllabus
GRE-Quantitative 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-Quantitative dumps collection : Download 100% Free GRE-Quantitative practice exams (PDF and VCE)

Exam Number : GRE-Quantitative
Exam Name : Graduate Record test (Quantitative)
Vendor Name : Admission-Tests
Update : Click Here to Check Latest Update
Question Bank : Check Questions

Pass GRE-Quantitative test with GRE-Quantitative Test Prep and Study Guide
Killexams.com has compiled a database of Question Bank by reaching out to numerous test takers who have passed their GRE-Quantitative exams with good scores. These GRE-Quantitative Exam Questions consist of genuine GRE-Quantitative questions and solutions and are not just practice tests. You can easily pass your test with these Exam Questions.

To pass Admission-Tests GRE-Quantitative test and secure a high paying job, it is crucial to find a reliable and trustworthy GRE-Quantitative Latest Questions provider online. While there are many options available, most of them sell outdated dumps that are of no use. To ensure that your research does not end up being a waste of time and money, it is recommended to directly visit killexams.com and obtain the free GRE-Quantitative Practice Questions trial questions to assess the quality. If satisfied, register and get a 3-month account to obtain the latest and valid GRE-Quantitative real questions, which includes actual test questions and answers. Great discounts are available, and it is also advisable to get the GRE-Quantitative VCE test simulator for practice.

Killexams.com is a trusted platform for obtaining the latest and up-to-date ACTUAL EXAM QUESTIONS for 2024 in order to pass Admission-Tests GRE-Quantitative test with ease. The website features a team of experts who work to acquire real test questions for GRE-Quantitative to ensure your success. You can obtain the latest GRE-Quantitative test questions anytime, with a 100% refund guaranteed. While many companies offer GRE-Quantitative Latest Questions, finding valid and updated 2024 GRE-Quantitative Test Prep can be challenging. It is crucial to think twice before relying on free dumps provided online.

With Killexams GRE-Quantitative real questions, you can gain access to the complete GRE-Quantitative questions bank and guaranteed test success within just 5 minutes of download. The platform offers the latest and updated 2024 GRE-Quantitative questions and answers, along with the 2024 GRE-Quantitative syllabus. You can obtain GRE-Quantitative test files anywhere, with unlimited VCE test simulator access and no limits on test download. The purchase is 100% secure and confidential, and there are no hidden costs, monthly subscriptions, or auto-renewals. You can also enjoy free technical support, test update intimation by email, and a 100% free Latest Topics trial questions. You can easily copy GRE-Quantitative Latest Questions PDF to any device for studying and memorizing the real GRE-Quantitative questions, even while on vacation or traveling. With consistent practice using the GRE-Quantitative real questions and VCE test simulator, you can confidently take the real GRE-Quantitative exam.







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


Exam Details:
- Number of Questions: The GRE-Quantitative test consists of 40 multiple-choice questions. Each question may have one or more correct answers.

- Time: Candidates are given 70 minutes to complete the GRE-Quantitative section. It is important to manage time effectively to answer all the questions within the allocated time.

Course Outline:
The GRE-Quantitative test is designed to assess the candidate's quantitative reasoning skills, including problem-solving, data interpretation, and mathematical reasoning. The test does not require any specific knowledge of advanced mathematics. However, a strong foundation in basic mathematical concepts is essential. The course outline may include the following key areas:

1. Arithmetic:
- Number systems and their properties
- Arithmetic operations (addition, subtraction, multiplication, division)
- Fractions, decimals, and percentages
- Ratio and proportion

2. Algebra:
- Simplifying algebraic expressions
- Solving linear and quadratic equations
- Exponents and radicals
- Functions and their properties

3. Geometry:
- Basic geometric shapes and their properties (lines, angles, triangles, circles)
- Perimeter, area, and volume
- Coordinate geometry
- Geometric transformations

4. Data Analysis:
- Descriptive statistics (mean, median, mode, range)
- Probability and counting principles
- Data interpretation (tables, graphs, charts)
- Statistical concepts and measures (standard deviation, probability distributions)

Exam Objectives:
The objectives of the GRE-Quantitative test typically include:
- Evaluating the candidate's ability to solve quantitative problems accurately and efficiently.
- Testing the candidate's understanding of basic mathematical concepts and their application in various contexts.
- Assessing the candidate's data interpretation skills and ability to make inferences from graphical and tabular data.
- Measuring the candidate's mathematical reasoning and problem-solving abilities.

Exam Syllabus:
The specific test syllabus for the GRE-Quantitative section may include the following topics:

1. Arithmetic:
- Basic arithmetic operations and their properties
- Fractions, decimals, and percentages
- Ratio and proportion
- Exponents and roots

2. Algebra:
- Algebraic expressions and equations
- Linear and quadratic equations
- Inequalities and absolute values
- Functions and their properties

3. Geometry:
- Lines, angles, and triangles
- Circles and their properties
- Perimeter, area, and volume
- Coordinate geometry

4. Data Analysis:
- Descriptive statistics
- Probability and counting principles
- Data interpretation from tables, graphs, and charts
- Statistical concepts and measures

It is important to note that the specific content and emphasis of the GRE-Quantitative test may be subject to change. Candidates should refer to the official GRE materials and resources provided by Educational Testing Service (ETS) for the most accurate and up-to-date information regarding the test syllabus and content.



Killexams Review | Reputation | Testimonials | Feedback


An outstanding source of the latest updated practice exams with accurate answers.
As someone working in an IT firm, I often struggle to find time to prepare for exams such as GRE-Quantitative. However, I found killexams.com's Questions and Answers practice test to be extremely helpful. I was surprised at how quickly I was able to solve all of the questions, thanks to the easy-to-use reference guide. I was delighted to secure a score of 939, which exceeded my expectations. Thank you, killexams!


It is an awesome help to have the latest GRE-Quantitative practice tests.
After receiving several helpful tips from killexams.com, I was able to achieve an 88% score in my GRE-Quantitative exam. My friend then suggested that I use their Dumps guide as a quick reference for future exams. This guide had short answers that were easy to remember and covered all the necessary material. I decided to use killexams.com for all my future exams, but was unsure how to cover all the material in just one week.


Did you attempt this great source of updated GRE-Quantitative practice tests?
Success in GRE-Quantitative exams is not only about having a sharp brain, but also having well-qualified and educated coaches or instructors. I feel fortunate to have been acquainted with killexams.com and their great educators. They taught me how to pass my GRE-Quantitative test with ease and I thank them from the bottom of my heart for their support.


A truly awesome experience with the actual GRE-Quantitative test questions.
I made a smart choice by selecting killexams.com to help me prepare for the GRE-Quantitative exam. The well-structured styles and questions on the website allowed me to Improve my knowledge by the time I reached the final simulation exam. I am grateful for the efforts and honesty of killexams.com, which helped me pass the exam. I appreciate their quality work and thank them for their support.


It is really a great experience to have GRE-Quantitative real test questions.
I was in a rush to pass the GRE-Quantitative test because I needed to submit my GRE-Quantitative certificates. I searched for online help and stumbled upon killexams.com. I was so impressed with the site that I forgot what I was doing. Thankfully, killexams.com helped me pass my test.


Admission-Tests test tricks

GRE-Quantitative Exam

User: Rayia*****

My friend told me that passing the GRE-QUANTITATIVE test was impossible, but I proved them wrong. Thanks to killexams.com and their trial questions, I was able to pass the test with a score of 87. The updated modules covered all the necessary topics, and the questions were challenging yet manageable. I highly recommend killexams.com for anyone preparing for the GRE-QUANTITATIVE exam.
User: Lieve*****

I also used the Killexams.com Admission-Tests test education practice test to prepare for the gre-quantitative exam. Although it was challenging, the material proved to be very helpful in passing the exam.
User: Julie*****

Despite finding the gre-quantitative test difficult, I managed to score 87% and pass it, thanks to Killexams.com. Initially, I was about to deliver up on taking this exam, but my friend suggested using Killexams.com questions and answers. Within just four weeks, I was thoroughly prepared for the exam.
User: Ludis*****

After spending months preparing for the EC exam, I was initially unsuccessful. However, after introducing killexams.com to my preparation routine, I was able to practice with their test simulator and real test questions. This allowed me to pass the test on my second attempt, and I wish I had discovered killexams.com earlier, as it would have saved me time and money.
User: Helena*****

I almost gave up on the GRE-QUANTITATIVE test because I was not confident in my ability to pass. However, a week before the exam, I decided to replace my test coaching with Killexams.com practice tests. Their concise and focused method of covering the essential subjects I had previously avoided made my preparation much easier. Thanks to Killexams.com questions and answers, I passed my test with flying colors.

GRE-Quantitative Exam

Question: Where am I able to get GRE-Quantitative actual test questions?
Answer: Killexams.com is the best place to get GRE-Quantitative actual test questions. These GRE-Quantitative questions work in the actual test. You will pass your test with these GRE-Quantitative test prep. If you deliver some time to study, you can prepare for an test with much boost in your knowledge. They recommend spending as much time as you can to study and practice GRE-Quantitative practice test until you are sure that you can answer all the questions that will be asked in the actual GRE-Quantitative exam. For this, you should visit killexams.com and register to obtain the complete dumps collection of GRE-Quantitative test test prep. These GRE-Quantitative test questions are taken from actual test sources, that's why these GRE-Quantitative 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-Quantitative questions are sufficient to pass the exam.
Question: Where can I find test prep for good knowledge of GRE-Quantitative exam?
Answer: Killexams.com provides the latest syllabus of GRE-Quantitative exams to Improve your knowledge about the GRE-Quantitative exam. You can visit the GRE-Quantitative test page at killexams and get the information about the latest syllabus, course contents, GRE-Quantitative test objectives, and test Details. You can obtain the latest GRE-Quantitative practice test by registering for the full version of the exam.
Question: Is Android supported with GRE-Quantitative PDF test prep?
Answer: Yes, You can read GRE-Quantitative questions on Android and other operating systems. You simply need a PDF viewer to read GRE-Quantitative Questions and Answers on your device. You need not have any special application to open killexams GRE-Quantitative test prep file. You can open these files with any PDF reader you usually use.
Question: Did you try these GRE-Quantitative real question banks and test prep?
Answer: Yes, try these GRE-Quantitative Questions and Answers because these questions are taken from actual GRE-Quantitative question banks and collected by killexams.com from authentic sources. These GRE-Quantitative practice test are especially supposed to help you pass the exam.
Question: Will I be able to locate up-to-date GRE-Quantitative test test prep?
Answer: Yes, once registered at killexams.com you will be able to obtain up-to-date GRE-Quantitative test test prep that will help you pass the test with good marks. When you obtain and practice the test questions, you will be confident and feel improvement in your knowledge.
Admission-Tests+Exam+tricks
https://www.pass4surez.com/art/read.php?keyword=Admission-Tests+Exam+tricks&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 exams website?
Without a doubt, Killexams is completely legit in addition to fully trustworthy. There are several options that makes killexams.com authentic and respectable. It provides current and completely valid test questions that contain real exams questions and answers. Price is small as compared to a lot of the services online. The Questions and Answers are updated on regular basis together with most accurate questions. Killexams account arrangement and merchandise delivery is rather fast. Document downloading can be unlimited as well as fast. Support is avaiable via Livechat and Netmail. These are the features that makes killexams.com a robust website that provide test prep with real exams questions.



Is killexams.com test material dependable?
There are several Questions and Answers provider in the market claiming that they provide actual test Questions, Braindumps, Practice Tests, Study Guides, cheat sheet and many other names, but most of them are re-sellers that do not update their contents frequently. Killexams.com is best website of Year 2024 that understands the issue candidates face when they spend their time studying obsolete contents taken from free pdf obtain sites or reseller sites. Thats why killexams.com update test Questions and 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 subjects of new syllabus, They recommend to obtain PDF test Questions from killexams.com and get ready for actual exam. When you feel that you should register for Premium Version, Just choose visit killexams.com and register, you will receive your Username/Password in your Email within 5 to 10 minutes. All the future updates and changes in Questions and Answers will be provided in your obtain Account. You can obtain Premium practice test 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.




DEA-5TT1 practice test | NBCSN-NCSN prep questions | 250-251 test prep | 1T6-222 test Questions | PAL-EBM practice test | 1T6-521 free pdf | HPE0-V26 test answers | CS0-003 test cram | 7220X test cram | H12-223 assessment test trial | ONCC-CPHON question test | H35-210_V2.5-ENU test questions | C1000-122 mock questions | 3X0-102 pdf study guide | H12-111_V2.5-ENU Questions and Answers | NS0-162 mock questions | SAA-C02 study guide | PL-100 online test | A4Q-CSeT-F pass marks | BL0-200 practice test |


GRE-Quantitative - Graduate Record Examination (Quantitative) premium pdf
GRE-Quantitative - Graduate Record Examination (Quantitative) Practice Questions
GRE-Quantitative - Graduate Record Examination (Quantitative) test Questions
GRE-Quantitative - Graduate Record Examination (Quantitative) PDF Download
GRE-Quantitative - Graduate Record Examination (Quantitative) learning
GRE-Quantitative - Graduate Record Examination (Quantitative) information search
GRE-Quantitative - Graduate Record Examination (Quantitative) tricks
GRE-Quantitative - Graduate Record Examination (Quantitative) tricks
GRE-Quantitative - Graduate Record Examination (Quantitative) teaching
GRE-Quantitative - Graduate Record Examination (Quantitative) test
GRE-Quantitative - Graduate Record Examination (Quantitative) test prep
GRE-Quantitative - Graduate Record Examination (Quantitative) information search
GRE-Quantitative - Graduate Record Examination (Quantitative) Practice Questions
GRE-Quantitative - Graduate Record Examination (Quantitative) test questions
GRE-Quantitative - Graduate Record Examination (Quantitative) PDF download
GRE-Quantitative - Graduate Record Examination (Quantitative) PDF questions
GRE-Quantitative - Graduate Record Examination (Quantitative) information search
GRE-Quantitative - Graduate Record Examination (Quantitative) tricks
GRE-Quantitative - Graduate Record Examination (Quantitative) course outline
GRE-Quantitative - Graduate Record Examination (Quantitative) Free test PDF
GRE-Quantitative - Graduate Record Examination (Quantitative) course outline
GRE-Quantitative - Graduate Record Examination (Quantitative) exam
GRE-Quantitative - Graduate Record Examination (Quantitative) PDF questions
GRE-Quantitative - Graduate Record Examination (Quantitative) practice tests
GRE-Quantitative - Graduate Record Examination (Quantitative) PDF questions
GRE-Quantitative - Graduate Record Examination (Quantitative) test contents
GRE-Quantitative - Graduate Record Examination (Quantitative) test questions
GRE-Quantitative - Graduate Record Examination (Quantitative) information hunger
GRE-Quantitative - Graduate Record Examination (Quantitative) course outline
GRE-Quantitative - Graduate Record Examination (Quantitative) PDF download
GRE-Quantitative - Graduate Record Examination (Quantitative) test format
GRE-Quantitative - Graduate Record Examination (Quantitative) boot camp
GRE-Quantitative - Graduate Record Examination (Quantitative) test
GRE-Quantitative - Graduate Record Examination (Quantitative) boot camp
GRE-Quantitative - Graduate Record Examination (Quantitative) test Questions
GRE-Quantitative - Graduate Record Examination (Quantitative) test
GRE-Quantitative - Graduate Record Examination (Quantitative) Premium PDF
GRE-Quantitative - Graduate Record Examination (Quantitative) Questions and Answers
GRE-Quantitative - Graduate Record Examination (Quantitative) learn
GRE-Quantitative - Graduate Record Examination (Quantitative) test contents
GRE-Quantitative - Graduate Record Examination (Quantitative) Test Prep
GRE-Quantitative - Graduate Record Examination (Quantitative) study help
GRE-Quantitative - Graduate Record Examination (Quantitative) test Questions
GRE-Quantitative - Graduate Record Examination (Quantitative) test Questions

Other Admission-Tests Practice Tests


SSAT practice test | WorkKeys practice questions | MCAT Test Prep | LSAT-Logical-Reasoning Latest Topics | TOEFL trial test | GRE-Verbal question test | GMAT-Verbal test Questions | GRE-Quantitative study help | Praxis-Core study questions | GRE test Questions | ASSET test cram | LSAT test exam | SAT free questions | GMAT writing test questions | OAT mock questions | HESI-A2 free prep | CBEST questions and answers | MAT Practice test | LSAT-reading-comprehension study guide |


Best practice exams You Ever Experienced


HANCB-ACRN practice questions | HPE0-J69 practice exam | H31-523 practice test | NCBORN-CRNO test Questions | WHNP-BC Practice test | ENP-BC practice exam | DVA-C01 PDF Questions | 1D0-735 Free test PDF | 0G0-081 test test | S2000-021 cbt | CRA test questions | MS-203 free practice tests | 050-730 online exam | SSM Test Prep | ABFM Latest Topics | C1000-172 free test practice | CCI-CSSM practice exam | SPLK-3003 Study Guide | PMI-PBA test prep questions | PulseSecure-PPS practical test |





References :


https://killexams-posting.dropmark.com/817438/23644608
http://killexams-braindumps.blogspot.com/2020/06/pass4sure-gre-quantitative-free-pdf.html
https://www.instapaper.com/read/1323093224
https://killexams-posting.dropmark.com/817438/23792783
http://feeds.feedburner.com/RetainTheseGre-quantitativeDumpsAndEnlistForTheTest
https://youtu.be/AJFDVy9jTGc
https://sites.google.com/view/killexams-gre-quantitative
https://files.fm/f/9g7rgu5nf



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






Direct Download

GRE-Quantitative 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-Quantitative Reviews

100% Valid and Up to Date GRE-Quantitative 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