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 H12-311?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der H12-311: HCIA-WLAN (Huawei Certified ICT Associate-WLAN) Prüfung.

2023 Updated Actual H12-311 questions as experienced in Test Center

Aktuelle H12-311 Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz

H12-311 exam Questions - HCIA-WLAN (Huawei Certified ICT Associate-WLAN) | https://www.easyfinanz.cc/

Huawei H12-311 : HCIA-WLAN (Huawei Certified ICT Associate-WLAN) exam Dumps

Exam Dumps Organized by Martha nods

Latest 2023 Updated Huawei HCIA-WLAN (Huawei Certified ICT Associate-WLAN) Syllabus
H12-311 actual questions / Braindumps contains actual exam Questions

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

H12-311 Exam Center Questions : Download 100% Free H12-311 actual questions (PDF and VCE)

Exam Number : H12-311
Exam Name : HCIA-WLAN (Huawei Certified ICT Associate-WLAN)
Vendor Name : Huawei
Update : Click Here to Check Latest Update
Question Bank : Check Questions

H12-311 Exam Questions with real questions that works in actual test
Simply memorize their H12-311 PDF Questions and feel confident about the test. You will pass your H12-311 exam with High Marks or your money back. They have collected a database of H12-311 PDF Download from real exams to help you memorize and pass the HCIA-WLAN (Huawei Certified ICT Associate-WLAN) exam on the first attempt. Just set up their exam Simulator and prepare. You will pass the H12-311 exam.

Many candidates have given testimonials of passing the H12-311 test with the help of their Real exam Questions. They are now working in great positions within their organizations. It is a fact that after using their H12-311 Exam Questions, they have seen improvements in their knowledge and skills. They can confidently work as experts in their respective fields. Their focus is not just on passing the H12-311 test with their braindumps, but also on improving their candidates' understanding of H12-311 goals and objectives. This is how individuals become successful in their careers.

If you are looking to pass the Huawei H12-311 test to get a job or advance your current position within your organization, then you should register at killexams.com. Their team of experts collects genuine H12-311 test questions at killexams.com. You will receive HCIA-WLAN (Huawei Certified ICT Associate-WLAN) test questions to ensure that you pass the H12-311 test. Every time you log in to your account, you will be able to download updated H12-311 test questions. While there are many organizations that offer H12-311 PDF Questions, only valid and up-to-date 2023 H12-311 Exam Questions are significant. Be careful relying solely on Free Dumps found on the internet, as you may fail the test. Therefore, paying a small fee for killexams H12-311 genuine questions is a smart choice to avoid significant test expenses.

H12-311 exam Format | H12-311 Course Contents | H12-311 Course Outline | H12-311 exam Syllabus | H12-311 exam Objectives

EXAM CODE : H12-311




Exam Contents

HCIA-WLAN V3.0 covers basic WLAN knowledge, including basic WLAN knowledge, WLAN frequency band, IEEE 802.11 protocol, 802.11 MAC architecture, 802.11 physical layer technology, WLAN networking, CAPWAP basic principles, and data forwarding. Wi-Fi 6 technology, WLAN product introduction, AP initial configuration, WLAN online configuration, and WLAN access authentication. WLAN O&M and troubleshooting, antenna technology, and WLAN project deployment.

- WLAN Overview

- WLAN Technology Basics

- WLAN Networking Model

- Introduction to Wi-Fi 6 Technologies and Products

- Working Principles of WLAN

- WLAN access authentication

- WLAN Access Configuration

- WLAN Troubleshooting

- WLAN Antenna Technology

- WLAN Deployment Overview

Topics covered in the questions

- WLAN Overview

- WLAN Development History

- WLAN Standard Organization

- WLAN Technology Basics

- Introduction to RF Basics

- WLAN Frequency Bands

- 802.11 physical layer technology

- 802.11 MAC Architecture

- 802.11 Media Access

- WLAN Networking Model

- WLAN Networking Overview

- Layer 2 and Layer 3 networking

- WLAN Service Traffic Forwarding Mode

- Mainstream WLAN Solutions

- Introduction to Wi-Fi 6 Technologies and Products

- Introduction to Huawei WLAN Products

- Application of Huawei WLAN Products

- Power Supply Modes of Huawei WLAN Products

- Working Principles of WLAN

- CAPWAP tunnel

- WLAN Packet Description

- AP Go-online Process

- STA go-online process

- User roaming

- WLAN Configuration

- VRP Introduction to AC Initial Configuration

- Introduction to Huawei VRP

- Basic AC Attribute Configuration

- Upgrading the AC and AP Software

- Fat and Fit AP Switchover

- WLAN access authentication

- WLAN Access Authentication Overview

- WEP/WPA2/WPA3 authentication

- Portal authentication

- 802.1x authentication

- MAC address authentication

- WLAN Access Configuration

- Configuration Process and Modules

- AP Online Configuration

- WLAN Service Configuration

- Simple WLAN Optimization Configuration

- WLAN Troubleshooting

- WLAN Troubleshooting

- WLAN Troubleshooting Overview

- WLAN Troubleshooting Process

- WLAN Fault Diagnosis Commands and Troubleshooting Tools

- Common WLAN Faults and Troubleshooting

- WLAN project deployment

- WLAN Antenna Technology

- Antenna Type

- Antenna parameters

- Antenna selection

- WLAN Deployment Overview

- WLAN Network Planning Process

- WLAN Construction Requirement Analysis

- Wireless site survey

- Indoor settled installation

- Indoor distribution

- Outdoor settled installation

Killexams Review | Reputation | Testimonials | Feedback

Am i able to locate real questions and Answers updated H12-311 exam?
I have been living with my roommate for a long time, and they often have disagreements and arguments on several topics. However, they both agree that killexams.com is an excellent website to use if you want to pass your H12-311 exam. Both of us have used it and have been very happy with the results. Thanks to the guidance, I did well in my H12-311 exam, and my marks were certainly brilliant.

It is really great help to have H12-311 LaACTUAL EXAM QUESTIONS.
I used killexams.com to prepare for H12-311 and found that they have excellent materials. I plan to use them for other Huawei exams as well.

These H12-311 updated dumps works within the real exam.
I used to work as an administrator and was preparing for the H12-311 exam. However, it was difficult for me to find suitable study material, and specific books were not helping. Fortunately, I came across killexams.com while searching for certification dumps. I subscribed to it and found a wealth of resources to prepare for my exam. Killexams.com helped me to easily memorize the applicable answers to the questions, and I was able to attempt 60 questions in eighty minutes effortlessly. As a result, I passed the exam with ease. I highly recommend killexams.com to my pals and colleagues for easy education. Thanks, killexams!

H12-311 certification exam instruction got to be this smooth.
Thanks to killexams.com, I was able to pass the H12-311 exam with a strong score. The exam was tough, but their questions were easy to memorize and actual. I credit killexams.com for providing me with the knowledge I needed to pass the exam.

Take these H12-311 Questions and Answers before you setup vacations.
Thanks to killexams.com, I never feel alone when preparing for the H12-311 exam. Their dumps are fantastic, and their educators are both respectful and helpful in answering all my questions. I scored 91% on the actual exam and was relieved to find that their material was valid.

Huawei (Huawei course outline


Huawei MatePad Pro 11 (2022)

  • Released 2022, August 10449g (455g cellular model), 5.9mm thicknessHarmonyOS 3.0128GB/256GB/512GB storage, no card slot
  • 1.0% 267,905 hits
  • 71 Become a fan
  • 11.0"

    2560x1600 pixels

  • 13MP


  • 8/12GB RAM

    Snapdragon 870 5G

  • 8300mAh


  • Versions: MatePad Pro 11 4G/Wi-Fi GOT-AL09 & GOT-AL19; MatePad Pro 11 Wi-Fi GOT-W09 & GOT-W29

    Body Dimensions 249.2 x 160.4 x 5.9 mm (9.81 x 6.31 x 0.23 in) Weight 449 g (455 g cellular model) (15.84 oz) SIM Nano-SIM   Stylus support Display Type OLED, 1B colors, 120Hz, 600 nits (typ) Size 11.0 inches, 350.9 cm2 (~87.8% screen-to-body ratio) Resolution 2560 x 1600 pixels, 16:10 ratio (~274 ppi density) Platform OS HarmonyOS 3.0 Chipset Qualcomm SM8250-AC Snapdragon 870 5G (7 nm) - GOT-W29Qualcomm SM8350 Snapdragon 888 (5 nm) - GOT-W09, GOT-AL09, GOT-AL19 CPU Octa-core (1x3.2 GHz Kryo 585 & 3x2.42 GHz Kryo 585 & 4x1.80 GHz Kryo 585) - GOT-W29Octa-core (1x2.84 GHz Cortex-X1 & 3x2.42 GHz Cortex-A78 & 4x1.80 GHz Cortex-A55) - GOT-W09, GOT-AL09, GOT-AL19 GPU Adreno 650 - GOT-W29Adreno 660 - GOT-W09, GOT-AL09, GOT-AL19 Main Camera Dual 13 MP, f/1.8, (wide), PDAF8 MP, f/2.2, (ultrawide) Features LED flash, HDR, panorama Video 4K@30fps, 1080p@30fps Comms WLAN Wi-Fi 802.11 a/b/g/n/ac/6, tri-band (dual-band for GOT-W29), Wi-Fi Direct Bluetooth 5.2, (5.1 for GOT-W29), A2DP, LE Positioning GPS, GLONASS, BDS, GALILEO, QZSS NFC No Radio No USB USB Type-C 3.1, OTG Features Sensors Accelerometer, gyro, proximity, compass Battery Type Li-Po 8300 mAh, non-removable Charging 66W wired (GOT-W09, GOT-AL09, GOT-AL19)40W wired (GOT-W29)Reverse wired Misc Colors Golden Black, Galaxy Blue, Crystal White, Brocade White Models GOT-W09, GOT-W29, GOT-AL09, GOT-AL19 Price About 500 EUR

    Disclaimer. They can not certain that the information on this page is 100% correct. Read more

    Chinese tech giant Huawei reports tepid consumer revenue growth for the first half of 2023

    Huawei's production campus is pictured here on April 25, 2019, in Dongguan, near Shenzhen, China.

    Kevin Frayer | Getty Images News | Getty Images

    BEIJING — Chinese tech giant Huawei on Friday reported 2.2% year-on-year growth in its consumer business revenue for the first half of the year.

    The modest growth comes alongside China's slower-than-expected economic rebound this year, and U.S. sanctions on the company that began in 2019. Those business restrictions have since weighed on results.

    At 103.5 billion yuan ($14.27 billion) in first six months of 2023, Huawei's consumer revenue was less than half what the segment had generated during the same period in 2019 and 2020.

    The 2.2% pace of growth was also slower than the company's overall revenue increase of 3.1% to 310.9 billion yuan in the first half of the year.

    Huawei's ICT infrastructure business, which includes carrier and enterprise services revenue, contributed the most to overall revenue with 167.2 billion yuan for the first half of the year.

    Deputy Treasury Secretary weighs in on Biden's clampdown on investment in Chinese tech

    watch now

    Cloud services brought in revenue of 24.1 billion yuan, while intelligent automotive solutions — whose products include tech for new energy vehicles — saw revenue of 1 billion yuan in the first six months of 2023.

    Huawei has its own electric car brand, Aito, which claims to have produced 100,000 vehicles in 15 months through a partnership. Those sales are generally counted as part of the consumer business.

    The consumer segment is the only unit with year-on-year comparable figures since Huawei didn't start reporting revenue breakdown by cloud and other industries until late last year.

    Huawei reported a significant increase in its net profit margin of 15% in the first half of the year, up from 5% in the year-ago period. The company attributed the improvement to better management systems and gains from the sale of certain businesses, which it did not specify.

    The company also pressed ahead in its efforts to monetize artificial intelligence by launching in July an AI model for improving safety and efficiency in mining operations.

    Second-quarter overall revenue grew by 4.8% year-on-year to 178.8 billion yuan — the fastest pace since only the fourth quarter of 2022, according to CNBC calculations.

    Looking for smartphone growth

    Overall revenue growth in the first half of 2023 comes off a low base. Huawei previously said its revenue barely grew in 2022 after reporting in 2021 its first annual revenue decline on record.

    In 2019, the U.S. under President Donald Trump put Huawei on a blacklist that restricts the ability of American companies to sell to the Chinese telecommunications giant. That includes licensed access to the latest versions of Google's Android operating system.

    Huawei has instead released its own system, called Harmony OS. Earlier this month, the company announced the latest version of that operating system — and claims it was downloaded over one million times in three days.

    This year, Huawei expects the launch of its flagship consumer products to return to a "normal" schedule, amid a slump in the smartphone market. The company did not share the extent to which there had been delays. In 2019, CNBC reported Huawei pushed back the release of a foldable phone.

    Read more about China from CNBC Pro

    In March, Huawei released its P60 smartphone, Mate X3 foldable and Watch Ultimate wearable, whose sales contributed to first-half growth in consumer business revenue, the company said.

    "The industry and global markets will remain rife with uncertainty for the rest of 2023," a Huawei spokesperson said in a statement.

    "Nevertheless, they are continuously building out their mechanisms for global business continuity management and their agile operations management system," the spokesperson said.

    "We are confident that they can meet their annual business targets and continue creating value for customers and society at large."

    — CNBC's Arjun Kharpal contributed to this report.


    While it is very hard task to choose reliable certification questions / answers resources with respect to review, reputation and validity because people get ripoff due to choosing wrong service. Killexams.com make it sure to serve its clients best to its resources with respect to actual questions update and validity. Most of other's ripoff report complaint clients come to us for the brain dumps and pass their exams happily and easily. They never compromise on their review, reputation and quality because killexams review, killexams reputation and killexams client confidence is important to us. Specially they take care of killexams.com review, killexams.com reputation, killexams.com ripoff report complaint, killexams.com trust, killexams.com validity, killexams.com report and killexams.com scam. The same care that they take about killexams review, killexams reputation, killexams ripoff report complaint, killexams trust, killexams validity, killexams report and killexams scam. If you see any false report posted by their competitors with the name killexams ripoff report complaint internet, killexams ripoff report, killexams scam, killexams.com complaint or something like this, just keep in mind that there are always bad people damaging reputation of good services due to their benefits. There are thousands of satisfied customers that pass their exams using killexams.com brain dumps, killexams PDF questions, killexams practice questions, killexams exam simulator. Visit Their trial questions and trial brain dumps, their exam simulator and you will definitely know that killexams.com is the best brain dumps site.

    Which is the best dumps website?
    Sure, Killexams is practically legit in addition to fully dependable. There are several capabilities that makes killexams.com genuine and straight. It provides up-to-date and practically valid actual questions filled with real exams questions and answers. Price is minimal as compared to almost all of the services on internet. The Questions and Answers are kept up to date on standard basis along with most exact brain dumps. Killexams account make and products delivery is incredibly fast. Data downloading is normally unlimited and really fast. Aid is avaiable via Livechat and E mail. These are the characteristics that makes killexams.com a strong website offering actual questions 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 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 2023 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 exam Questions and Answers with the same frequency as they are updated in Real Test. actual questions provided by killexams.com are Reliable, Up-to-date and validated by Certified Professionals. They maintain examcollection 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 Topics of new syllabus, They recommend to download PDF exam 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 download Account. You can download Premium actual questions files as many times as you want, There is no limit.

    Killexams.com has provided VCE practice questions 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 actual Test. Go register for Test in Exam Center and Enjoy your Success.

    CAP english test questions | PL-600 Free PDF | Google-ACE study guide | ANS-C01 free online test | CLAD cbt | CPFA braindumps | 3X0-202 real questions | CLOUDF examcollection | DEX-403 test example | CPA-CPP free pdf download | DEA-1TT5 study guide | MB-210 exam prep | FSDEV PDF Braindumps | DES-DD33 free prep | Scrum-Master-Certified test prep | PfMP exam Braindumps | HIO-301 past exams | MCPA-Level-1 PDF Questions | ITSM20F Cheatsheet | 62-193 writing test questions |

    H12-311 - HCIA-WLAN (Huawei Certified ICT Associate-WLAN) exam Cram
    H12-311 - HCIA-WLAN (Huawei Certified ICT Associate-WLAN) certification
    H12-311 - HCIA-WLAN (Huawei Certified ICT Associate-WLAN) tricks
    H12-311 - HCIA-WLAN (Huawei Certified ICT Associate-WLAN) exam Questions
    H12-311 - HCIA-WLAN (Huawei Certified ICT Associate-WLAN) certification
    H12-311 - HCIA-WLAN (Huawei Certified ICT Associate-WLAN) Latest Questions
    H12-311 - HCIA-WLAN (Huawei Certified ICT Associate-WLAN) PDF Download
    H12-311 - HCIA-WLAN (Huawei Certified ICT Associate-WLAN) Study Guide
    H12-311 - HCIA-WLAN (Huawei Certified ICT Associate-WLAN) Latest Topics
    H12-311 - HCIA-WLAN (Huawei Certified ICT Associate-WLAN) Practice Questions
    H12-311 - HCIA-WLAN (Huawei Certified ICT Associate-WLAN) Free exam PDF
    H12-311 - HCIA-WLAN (Huawei Certified ICT Associate-WLAN) Cheatsheet
    H12-311 - HCIA-WLAN (Huawei Certified ICT Associate-WLAN) Latest Questions
    H12-311 - HCIA-WLAN (Huawei Certified ICT Associate-WLAN) PDF Download
    H12-311 - HCIA-WLAN (Huawei Certified ICT Associate-WLAN) test prep
    H12-311 - HCIA-WLAN (Huawei Certified ICT Associate-WLAN) exam
    H12-311 - HCIA-WLAN (Huawei Certified ICT Associate-WLAN) cheat sheet
    H12-311 - HCIA-WLAN (Huawei Certified ICT Associate-WLAN) Real exam Questions
    H12-311 - HCIA-WLAN (Huawei Certified ICT Associate-WLAN) Real exam Questions
    H12-311 - HCIA-WLAN (Huawei Certified ICT Associate-WLAN) guide
    H12-311 - HCIA-WLAN (Huawei Certified ICT Associate-WLAN) exam contents
    H12-311 - HCIA-WLAN (Huawei Certified ICT Associate-WLAN) cheat sheet
    H12-311 - HCIA-WLAN (Huawei Certified ICT Associate-WLAN) testing
    H12-311 - HCIA-WLAN (Huawei Certified ICT Associate-WLAN) study help
    H12-311 - HCIA-WLAN (Huawei Certified ICT Associate-WLAN) dumps
    H12-311 - HCIA-WLAN (Huawei Certified ICT Associate-WLAN) Test Prep
    H12-311 - HCIA-WLAN (Huawei Certified ICT Associate-WLAN) techniques
    H12-311 - HCIA-WLAN (Huawei Certified ICT Associate-WLAN) exam format
    H12-311 - HCIA-WLAN (Huawei Certified ICT Associate-WLAN) study help
    H12-311 - HCIA-WLAN (Huawei Certified ICT Associate-WLAN) course outline
    H12-311 - HCIA-WLAN (Huawei Certified ICT Associate-WLAN) actual Questions
    H12-311 - HCIA-WLAN (Huawei Certified ICT Associate-WLAN) actual Questions
    H12-311 - HCIA-WLAN (Huawei Certified ICT Associate-WLAN) braindumps
    H12-311 - HCIA-WLAN (Huawei Certified ICT Associate-WLAN) Test Prep
    H12-311 - HCIA-WLAN (Huawei Certified ICT Associate-WLAN) exam success
    H12-311 - HCIA-WLAN (Huawei Certified ICT Associate-WLAN) test prep
    H12-311 - HCIA-WLAN (Huawei Certified ICT Associate-WLAN) education
    H12-311 - HCIA-WLAN (Huawei Certified ICT Associate-WLAN) Test Prep
    H12-311 - HCIA-WLAN (Huawei Certified ICT Associate-WLAN) PDF Braindumps
    H12-311 - HCIA-WLAN (Huawei Certified ICT Associate-WLAN) teaching
    H12-311 - HCIA-WLAN (Huawei Certified ICT Associate-WLAN) exam contents
    H12-311 - HCIA-WLAN (Huawei Certified ICT Associate-WLAN) testing
    H12-311 - HCIA-WLAN (Huawei Certified ICT Associate-WLAN) Questions and Answers
    H12-311 - HCIA-WLAN (Huawei Certified ICT Associate-WLAN) Real exam Questions

    Other Huawei exam Dumps

    H12-261 test practice | H13-629 pass exam | H13-612 test prep | H13-611 PDF Download | H12-721 trial questions | H31-211 exam results | H12-221 free pdf | H12-211 trial test questions | H11-861-ENU test prep | H12-111_V2.5-ENU practice questions | H13-622 practice exam | H31-523 writing test questions | H12-223 practice test | H12-311 cheat sheet pdf | H12-711 Practice Test | H12-322_V1.0-ENU study guide | H13-523 english test questions | H12-222 braindumps | H13-511 training material |

    Best actual questions You Ever Experienced

    PEGACPDC88V1 pdf download | Firefighter writing test questions | Servicenow-CIS-VR download | DTR examcollection | H13-612 test prep | IIA-CIA-Part3-3P study guide | MB-220 test exam | HESI-A2 exam Questions | LSAT-reading-comprehension test practice | 3V0-42.20 Practice Test | TCP-BW6 questions and answers | S90.02A brain dumps | 050-694 online exam | CIMAPRA17-BA3-1-ENG exam prep | 300-920 exam preparation | ACE001 Question Bank | FCNSP practice exam | IBCLC PDF Download | 500-275 free online test | CTEP exam dumps |

    References :


    Similar Websites :
    Pass4sure Certification exam dumps
    Pass4Sure exam Questions and Dumps

    Direct Download

    H12-311 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.

    H12-311 Reviews

    100% Valid and Up to Date H12-311 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 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.


    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:


    • 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


    • 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