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-Verbal?
Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der GRE-Verbal: Graduate Record Examination (Verbal) Prüfung.
2025 Updated Actual GRE-Verbal questions as experienced in Test Center
Aktuelle GRE-Verbal Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz
![]() Admission-Tests GRE-Verbal : Graduate Record exam (Verbal) Practice TestsPractice Tests Organized by Shahid nazir |
Latest 2025 Updated Admission-Tests Graduate Record exam (Verbal) Syllabus
GRE-Verbal 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-Verbal dumps collection : Download 100% Free GRE-Verbal practice tests (PDF and VCE)
Exam Number : GRE-Verbal
Exam Name : Graduate Record exam (Verbal)
Vendor Name : Admission-Tests
Update : Click Here to Check Latest Update
Question Bank : Check Questions
Download Free killexams GRE-Verbal Actual Questions and Free PDF
Instead of wasting time and money searching for updated Graduate Record exam (Verbal) questions, simply register on killexams.com and obtain the 100% free dumps to purchase the complete GRE-Verbal PDF Download version. Read and pass the GRE-Verbal exam.
If you are looking for the most exact and 2025 updated exam dumps to pass your Admission-Tests GRE-Verbal exam and secure a high-paying job, then you should consider enrolling at killexams.com. Their team of experts is dedicated to collecting genuine GRE-Verbal exam questions and ensuring that you have access to the latest and most accurate Graduate Record exam (Verbal) test questions to help you succeed in the GRE-Verbal exam. With their platform, you can obtain updated GRE-Verbal exam questions at any time and enjoy a 100% refund guarantee if you're not satisfied with their services. While there are many companies that offer GRE-Verbal study materials, finding a reliable and up-to-date 2025 real questions can be a challenge. Beware of relying on free dumps provided on the internet, and instead, trust killexams.com to provide you with the most trustworthy and effective GRE-Verbal exam preparation materials.
At killexams.com, they understand that passing the GRE-Verbal exam is not just about memorizing the answers to exam questions. It's also about improving your knowledge of GRE-Verbal syllabus and objectives to become a successful professional in your field. That's why they are committed to offering their clients more than just exam dumps. Their goal is to provide you with comprehensive and accurate GRE-Verbal study materials to help you develop a deep understanding of the subject matter. With their platform, you will not only pass the GRE-Verbal exam but also acquire the skills and knowledge needed to thrive in your career. So, if you want to enhance your chances of success in the GRE-Verbal exam and beyond, enroll in killexams.com today and start your journey to success.
![](https://www.pass4surez.com/art/images/buyfullversion.png)
GRE-Verbal exam Format | GRE-Verbal Course Contents | GRE-Verbal Course Outline | GRE-Verbal exam Syllabus | GRE-Verbal exam Objectives
Exam Details:
- Number of Questions: The GRE-Verbal exam consists of approximately 40 multiple-choice questions. Each question may have one or more correct answers.
- Time: Candidates are given 60 minutes to complete the GRE-Verbal section. It is important to manage time effectively to answer all the questions within the allocated time.
Course Outline:
The GRE-Verbal exam is designed to assess the candidate's verbal reasoning skills, including studying comprehension, critical reasoning, and vocabulary usage. The exam evaluates the candidate's ability to understand and analyze written material. The course outline may include the following key areas:
1. studying Comprehension:
- Understanding the main idea and supporting details of a passage
- Identifying the author's tone, purpose, and perspective
- Drawing inferences and making conclusions
- Analyzing the structure and organization of a passage
2. Text Completion:
- Filling in the blanks with appropriate words or phrases
- Understanding the context and tone of the passage
- Recognizing logical relationships between words and ideas
- Inferring meaning from surrounding text
3. Sentence Equivalence:
- Selecting the two words or phrases that best complete a sentence
- Understanding the meaning of the sentence as a whole
- Recognizing synonyms, antonyms, and context clues
- Evaluating the logic and coherence of the sentence
4. Vocabulary:
- Understanding and using advanced vocabulary words
- Recognizing word relationships (synonyms, antonyms, analogies)
- Inferring meaning from context
- Developing strategies for learning and retaining new words
Exam Objectives:
The objectives of the GRE-Verbal exam typically include:
- Evaluating the candidate's ability to comprehend and analyze written material.
- Assessing the candidate's critical thinking and reasoning skills.
- Testing the candidate's understanding and usage of advanced vocabulary.
- Measuring the candidate's ability to draw inferences and make logical connections within the text.
Exam Syllabus:
The specific exam syllabus for the GRE-Verbal section may include the following topics:
1. studying Comprehension:
- Understanding main ideas and supporting details
- Analyzing the structure and organization of passages
- Drawing inferences and making conclusions
- Recognizing author's tone, purpose, and perspective
2. Text Completion:
- Identifying words or phrases that best complete the sentence
- Understanding the context and tone of the passage
- Recognizing logical relationships between words and ideas
- Inferring meaning from surrounding text
3. Sentence Equivalence:
- Selecting two words or phrases that best complete the sentence
- Understanding the meaning of the sentence as a whole
- Recognizing word relationships (synonyms, antonyms, analogies)
- Evaluating the logic and coherence of the sentence
4. Vocabulary:
- Advanced vocabulary words and their meanings
- Word relationships (synonyms, antonyms, analogies)
- Inferring meaning from context
- Strategies for learning and retaining new words
Killexams Review | Reputation | Testimonials | Feedback
I found a genuine source for genuine GRE-Verbal exam questions.
Preparing for the GRE-Verbal practice exam 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-Verbal practice exam, so don't waste any time and start your preparation with them today.
How long of preparation is required to pass the GRE-Verbal exam?
I purchased your certification bundle and studied it thoroughly. Last week, I passed the GRE-Verbal exam and received my certification. The killexams.com online exam simulator was an excellent tool to prepare for the exam, and it gave me the extra confidence I needed to pass the certification exam. I highly recommend killexams.com to anyone looking to pass IT certification exams. I found the mock test to be brief and easy to understand, and I was able to answer 50/60 questions correctly in due time, scoring 83%. Thanks, killexams.com, for being a great solution for me.
It is truly top-notch to have the GRE-Verbal genuine exam question bank.
In order to become GRE-Verbal Certified, passing the GRE-Verbal exam was crucial. However, I had failed the exam twice before. Fortunately, my cousin provided me with the killexams.com material which contained great Questions and Answers. I scored 89% and was impressed with the material's format and enriched concepts.
Use this splendid material with updated real exam questions.
After struggling with the books to pass my GRE-Verbal exam and failing twice, a friend recommended killexams.com to me. The material was fantastic and easy to understand, allowing me to cram it quickly and pass the exam in just 180 minutes. I was elated to pass and owe my success to killexams.com.
I've found a superb source of GRE-Verbal material.
I express my sincere gratitude to killexams.com practice tests for helping me pass the GRE-Verbal exam with 91% marks. It was their mock test that helped me achieve this feat in just 12 days of preparation. I couldn't have imagined it three weeks before the test until I discovered their product. Thank you so much for your valuable help, and I wish all the best to your team members for their future endeavors.
Admission-Tests Record exam contents
GRE-Verbal Exam
User: Zenovia*****![]() ![]() ![]() ![]() ![]() The questions provided by killexams.com were valid and very similar to the genuine gre-verbal exam questions that I passed in only half an hour. If not identical, they were very close to the exam questions, so with sufficient preparation, you can conquer it easily. I was cautious at first, but killexams.com mock test and exam simulator turned out to be a solid resource for exam preparation. I highly recommend this platform for exam preparation. |
User: Aleksandra*****![]() ![]() ![]() ![]() ![]() I am grateful that I bought GRE-VERBAL exam practice tests from killexams.com. The GRE-VERBAL exam is challenging, as it covers everything in the blueprint, and the questions are extensive. But killexams.com covered everything flawlessly, and there were plenty of associated questions about the exam. This exam preparation kit has proven to be worth the money, as I passed the GRE-VERBAL exam earlier this week with a score of 94%. All the questions were valid, just like what they provide at the genuine exam. I do not know how killexams.com does it, but they have been maintaining their quality for years. My cousin used them for another IT exam years ago and says they were just as good back then. They are very reliable and trustworthy. |
User: Mitre*****![]() ![]() ![]() ![]() ![]() I chose killexams.com as my go-to resource for preparing for the GRE-VERBAL exam, and it proved to be an excellent decision. The level of preparation I received was of top quality, which enabled me to achieve a score of 92%. I am thrilled with the outcome and grateful for the simplified arrangement of the material. killexams.com has helped me progress in my career. |
User: Melor*****![]() ![]() ![]() ![]() ![]() killexams.com is a fantastic website for obtaining certification material, and I was thrilled when I discovered it on the internet. I had been searching for real and affordable online help, as I did not have the time to go through a bunch of books. Fortunately, I found enough exam questions on killexams.com that proved to be extremely useful, allowing me to achieve a high score in my Admission-Tests test. I am grateful for the assistance. |
User: Isabella*****![]() ![]() ![]() ![]() ![]() I am very satisfied with the killexams.com bundle deal because I scored over 96% in the GRE-VERBAL exam. I did review the reliable GRE-VERBAL guide a bit, but I believe killexams.com was my primary study resource. I memorized most of the mock test and invested my time to understand the concepts and technical/practical elements of the exam. Simply buying the killexams.com bundle does not guarantee that you will pass your exam - some tests are challenging. However, if you study their material diligently and put your heart and mind into your exam preparation, then killexams.com truly outperforms any other exam prep alternatives available. |
GRE-Verbal Exam
Question: I want to send money by wire transfer, Can I do that? Answer: Killexams provide several payment methods including Wire Transfer, all type of credit cards, debit cards, bank transfer, pay orders, and Paypal. You can see a complete list of payment methods at https://killexams.com/payment-methods |
Question: Does GRE-Verbal test prep cover complete syllabus? Answer: Yes, killexams.com covers the complete GRE-Verbal syllabus. Killexams is the best certification exams website that provides up-to-date and 100% valid exam questions with practice tests. These VCE practice tests are very good for test practice to pass the exam on the first attempt. Killexams team keeps on updating the practice exam continuously. You can see all GRE-Verbal course-related information from the GRE-Verbal exam page. |
Question: Can I obtain dumps questions of GRE-Verbal exam? Answer: Yes Of course. Killexams is a great source of GRE-Verbal practice exam with valid and latest questions and answers. You will be able to pass your GRE-Verbal exam easily with these GRE-Verbal practice test. |
Question: I have Mac laptop. Should I buy PDF or VCE? Answer: You should buy PDF practice exam so that you can open the file on any operating system included mobile devices. Their VCE exam simulator is a Windows-based application. |
Question: Where am I able to get GRE-Verbal genuine exam questions? Answer: Killexams.com is the best place to get GRE-Verbal genuine exam questions. These GRE-Verbal questions work in the genuine test. You will pass your exam with these GRE-Verbal test prep. If you supply some time to study, you can prepare for an exam with much boost in your knowledge. They recommend spending as much time as you can to study and practice GRE-Verbal practice exam until you are sure that you can answer all the questions that will be asked in the genuine GRE-Verbal exam. For this, you should visit killexams.com and register to obtain the complete dumps collection of GRE-Verbal exam test prep. These GRE-Verbal exam questions are taken from genuine exam sources, that's why these GRE-Verbal exam 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-Verbal questions are sufficient to pass the exam. |
https://www.pass4surez.com/art/read.php?keyword=Admission-Tests+Record+exam+contents&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 exam dumps 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 exam VCE simulator. Visit their example questions and test brain dumps, their exam simulator and you will realize that killexams.com is the best exam dumps site.
Which is the best practice tests website?
Certainly, Killexams is practically legit plus fully good. There are several includes that makes killexams.com unique and genuine. It provides up to par and practically valid exam questions filled with real exams questions and answers. Price is really low as compared to the majority of the services online. The mock test are up to date on regular basis with most exact questions. Killexams account structure and product delivery can be quite fast. Data file downloading is certainly unlimited and fast. Assistance is avaiable via Livechat and Email address. These are the characteristics that makes killexams.com a strong website that offer exam prep with real exams questions.
Is killexams.com test material dependable?
There are several mock test provider in the market claiming that they provide genuine exam Questions, Braindumps, Practice Tests, Study Guides, cheat sheet and many other names, but most of them are re-sellers that do not update their contents frequently. Killexams.com is best website of Year 2025 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 exam mock test with the same frequency as they are updated in Real Test. exam 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 exam Fast with improvement in your knowledge about latest course contents and syllabus of new syllabus, They recommend to obtain PDF exam 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 mock test will be provided in your obtain Account. You can obtain Premium practice exam files as many times as you want, There is no limit.
Killexams.com has provided VCE practice exam Software to Practice your exam by Taking Test Frequently. It asks the Real exam Questions and Marks Your Progress. You can take test as many times as you want. There is no limit. It will make your test prep very fast and effective. When you start getting 100% Marks with complete Pool of Questions, you will be ready to take genuine Test. Go register for Test in Exam Center and Enjoy your Success.
Copado-Robotic-Testing exam Questions | 050-696 certification demo | Service-Cloud-Consultant mock test | 101-500 free pdf | PL-900 Study Guide | UIPATH-ARDV1 test questions | H13-511 test example | HANCB-ACRN boot camp | JN0-213 mock exam | INCC-CRNI test practice | QSBA2021 dumps collection | PSAT practice questions | CPEH-001 exam prep | Wonderlic examcollection | NS0-516 practice questions | HPE0-J68 Practice Questions | ISO27-13-001 exam cram | CPUX-F practice exam | SAA-C03 exam tips | SBAC practice exam |
GRE-Verbal - Graduate Record Examination (Verbal) questions
GRE-Verbal - Graduate Record Examination (Verbal) learn
GRE-Verbal - Graduate Record Examination (Verbal) test prep
GRE-Verbal - Graduate Record Examination (Verbal) syllabus
GRE-Verbal - Graduate Record Examination (Verbal) certification
GRE-Verbal - Graduate Record Examination (Verbal) test
GRE-Verbal - Graduate Record Examination (Verbal) information search
GRE-Verbal - Graduate Record Examination (Verbal) education
GRE-Verbal - Graduate Record Examination (Verbal) techniques
GRE-Verbal - Graduate Record Examination (Verbal) information search
GRE-Verbal - Graduate Record Examination (Verbal) exam questions
GRE-Verbal - Graduate Record Examination (Verbal) Premium PDF
GRE-Verbal - Graduate Record Examination (Verbal) education
GRE-Verbal - Graduate Record Examination (Verbal) boot camp
GRE-Verbal - Graduate Record Examination (Verbal) exam format
GRE-Verbal - Graduate Record Examination (Verbal) PDF download
GRE-Verbal - Graduate Record Examination (Verbal) questions
GRE-Verbal - Graduate Record Examination (Verbal) exam help
GRE-Verbal - Graduate Record Examination (Verbal) learn
GRE-Verbal - Graduate Record Examination (Verbal) real questions
GRE-Verbal - Graduate Record Examination (Verbal) book
GRE-Verbal - Graduate Record Examination (Verbal) testprep
GRE-Verbal - Graduate Record Examination (Verbal) PDF questions
GRE-Verbal - Graduate Record Examination (Verbal) Free PDF
GRE-Verbal - Graduate Record Examination (Verbal) learning
GRE-Verbal - Graduate Record Examination (Verbal) Practice Questions
GRE-Verbal - Graduate Record Examination (Verbal) study help
GRE-Verbal - Graduate Record Examination (Verbal) Free PDF
GRE-Verbal - Graduate Record Examination (Verbal) syllabus
GRE-Verbal - Graduate Record Examination (Verbal) Latest Questions
GRE-Verbal - Graduate Record Examination (Verbal) test
GRE-Verbal - Graduate Record Examination (Verbal) test
GRE-Verbal - Graduate Record Examination (Verbal) information hunger
GRE-Verbal - Graduate Record Examination (Verbal) exam help
GRE-Verbal - Graduate Record Examination (Verbal) test
GRE-Verbal - Graduate Record Examination (Verbal) genuine Questions
GRE-Verbal - Graduate Record Examination (Verbal) study help
GRE-Verbal - Graduate Record Examination (Verbal) Questions and Answers
GRE-Verbal - Graduate Record Examination (Verbal) genuine Questions
GRE-Verbal - Graduate Record Examination (Verbal) book
GRE-Verbal - Graduate Record Examination (Verbal) Free exam PDF
GRE-Verbal - Graduate Record Examination (Verbal) Real exam Questions
GRE-Verbal - Graduate Record Examination (Verbal) Questions and Answers
GRE-Verbal - Graduate Record Examination (Verbal) Latest Questions
Other Admission-Tests Practice Tests
GRE-Verbal online exam | ASSET questions download | OAT certification sample | GMAT-Verbal mock questions | MAT exam cram | MCAT exam cram | LSAT-reading-comprehension exam papers | SAT test questions | CBEST assessment test sample | HESI-A2 VCE | LSAT free questions | GMAT boot camp | GRE-Quantitative test prep | TOEFL questions and answers | Praxis-Core practice exam | LSAT-Logical-Reasoning practice test | SSAT mock exam | GRE pdf exam | WorkKeys test exam |
Best practice tests You Ever Experienced
7003 Free exam PDF | SCA_SLES15 real questions | 3X0-101 free questions | CBIC-CIC online exam | MSNCB-CCTM questions answers | NSE7_SDW-7.0 Study help | ACSB-D8 exam questions | 156-587 practical test | CCI-CSSM test practice | HPE2-CP02 exam questions | 2V0-62.21 free study guide | CFSA certification sample | H35-210_V2.5-ENU download | Sitecore-Experience-Solution-9-Developer mock test | RNC-MNN Test Prep | CEN Question Bank | NS0-303 mock exam | DOP-C02 PDF Download | 303-200 exam Cram | BL0-100 exam Questions |
References :
https://www.instapaper.com/read/1316546333
https://killexams-posting.dropmark.com/817438/23731179
https://killexams-posting.dropmark.com/817438/23769120
http://feeds.feedburner.com/Gre-verbalDumpsAndPracticeProgrammingWithRealQuestion
https://arfansaleemfan.blogspot.com/2020/08/gre-verbal-graduate-record-examination.html
https://sites.google.com/view/killexams-gre-verbal-latest
http://killexamsbraindumps2.isblog.net/gre-verbal-graduate-record-examination-verbal-real-exam-questions-and-answers-by-killexams-com-14623914
https://files.fm/f/mh3cdhpqy
Similar Websites :
Pass4sure Certification exam Practice Tests
Pass4Sure Certification Question Bank
GRE-Verbal 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.
100% Valid and Up to Date GRE-Verbal 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