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 H35-582-ENU?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der H35-582-ENU: Huawei Certified ICT Expert-5G-Radio Prüfung.

2024 Updated Actual H35-582-ENU questions as experienced in Test Center

Aktuelle H35-582-ENU Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz

H35-582-ENU test Questions - Huawei Certified ICT Expert-5G-Radio | https://www.easyfinanz.cc/

Huawei H35-582-ENU : Huawei Certified ICT Expert-5G-Radio ACTUAL EXAM QUESTIONS

Exam Dumps Organized by Richard

Latest 2024 Updated Huawei Huawei Certified ICT Expert-5G-Radio Syllabus
H35-582-ENU ACTUAL EXAM QUESTIONS / Braindumps contains real test Questions

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

H35-582-ENU Test Center Questions : Download 100% Free H35-582-ENU ACTUAL EXAM QUESTIONS (PDF and VCE)

Exam Number : H35-582-ENU
Exam Name : Huawei Certified ICT Expert-5G-Radio
Vendor Name : Huawei
Update : Click Here to Check Latest Update
Question Bank : Check Questions

Secure your 100 percent marks with these H35-582-ENU real questions
The majority of their clients give us a 5-star rating due to their success in the H35-582-ENU test using their Free test PDF, which includes genuine test questions and answers, as well as a practice test. They are pleased when their applicants score 100% on the test, and they consider it their success, not just theirs.

Passing the genuine Huawei H35-582-ENU test is a challenging task that cannot be accomplished solely by reading through H35-582-ENU course books or relying on free Latest Topics found online. The test contains numerous tricky questions and scenarios that often perplex test-takers. In this scenario, killexams.com plays a crucial role by providing real H35-582-ENU Practice Questions in the form of PDF Questions and a VCE test system. Before registering for the full version of H35-582-ENU Practice Questions, you can get their 100% free H35-582-ENU Latest Topics to experience the quality of their materials. Don't forget to take advantage of their exclusive discount coupons.

We have received testimonials from countless test-takers who have passed the H35-582-ENU test with the help of their Exam Questions. They have secured great positions in their respective organizations. It's not just that they used their H35-582-ENU Study Guide; they actually experienced an improvement in their knowledge and skills. They are now able to work confidently in real-world scenarios as experts in their fields. At killexams.com, they don't just focus on helping you pass the H35-582-ENU test with their braindumps; they also strive to enhance your understanding of the exam's objectives and topics. This approach enables their clients to achieve success in their careers.

H35-582-ENU test Format | H35-582-ENU Course Contents | H35-582-ENU Course Outline | H35-582-ENU test Syllabus | H35-582-ENU test Objectives

Killexams Review | Reputation | Testimonials | Feedback

Updated and real test latest H35-582-ENU test.
I found the killexams.com dump easy to understand, and it prepared me adequately for the H35-582-ENU exam. No other ACTUAL EXAM QUESTIONS provided me with the same level of quality. Thanks to the powerful and straightforward material from killexams.com, I was able to pass the difficult test without any issues. I answered 76 questions with ease during the real exam, and I am grateful for this revolutionary product.

No worries whilst getting geared up for the H35-582-ENU exam.
The H35-582-ENU test was particularly challenging for me, but killexams.com helped me overcome it. I was impressed to find that the extra component questions in the real test were covered in their study material. With the help of their Questions and Answers, I scored 85% in just 90 minutes. I am grateful to killexams.com for their invaluable assistance.

Try out these real H35-582-ENU braindumps.
I received a score of 76% on the H35-582-ENU exam, and I credit my success to the comprehensive and easy-to-use materials provided by killexams.com. I highly recommend this site to anyone who is preparing for this exam.

H35-582-ENU test is not any extra hard to pass with these Questions and Answers.
If you want to change your destiny and ensure happiness in your future, you must work hard. Working hard alone is not enough; you need guidance to lead you in the right direction. I was fortunate to discover killexams.com during my test preparation, and it helped me achieve my desired grades. Thanks to the material provided by killexams.com, I was able to succeed in my H35-582-ENU exam.

I need updated dumps updated H35-582-ENU exam.
I was about to give up on taking the H35-582-ENU test because the subjects were difficult for me to understand. However, my friend recommended killexams.com questions and answers, and I decided to give it a try. Within four weeks, I was organized and ready for the exam, which I passed with a score of 87%. I am grateful to killexams.com for helping me recover my confidence and for providing such useful material.



Online Pharmacy Technician Certification Course

Requirements for pharmacy technicians vary by state, but most require certification, registration or licensure. Earning your certification from the Pharmacy Technician Certification Board (PTCB) provides a valuable, industry-recognized credential that meets most states’ requirements.

Undergraduate Teacher Certification Requirements

Undergraduate Teacher Certification Requirements

Drexel offers a number of education certification and degree programs that prepare students for formal teacher certification. Once a student has successfully completed their undegraduate course of study and all qualifying teacher certification exams required by the Pennsylvania Department of Education (PDE), Drexel recommends the student to the PDE for the appropriate teaching certificate.

Teaching Certification GPA Requirements

The School of Education requires that students maintain at least a "B" average (3.0 GPA) in content courses needed for teacher certification in addition to earning a grade of "B" or better in each core pedagogy course required for certification.

Pennsylvania Teacher Certification Requirements

All undergraduate students are required to obtain and submit updated and current copies of the required clearances to the School of Education annually in order to participate in classroom observations and student teaching in Pennsylvania. All full-time undergraduates will receive assistance in gaining these clearances during their first term. Non-PA students should contact their state's department of education or school district office for a list of clearances required in their state.

Teacher Certification Process Instructional I Certification

This initial certification qualifies a teacher to teach for a maximum of six years. The six years need not be continuous. To continue teaching after the six years are completed, the teacher must receive an Instructional II Certification.

Instructional II Certification

The Instructional II Certification is considered a permanent certification. A teacher applying for Instructional II Certification must have:

  • Instructional I Certification
  • A minimum of three years and a maximum of six years of teaching experience on an Instructional I Teaching Certificate
  • 24 semester-hour (or 36 quarter-hour) credits beyond a bachelor’ degree
  • Completion of an induction program (generally provided by the teacher’ school of employment)
  • Elementary Certification (Grades PreK–4) and Special Education Certification (Grades PreK–8 and Grades 7–12)

    The Pennsylvania Educator Certification Tests (PECT) are required for Grades PreK–4 and Special Education. All undergraduate and dual degree BS/MS students are required to pass the Pre-service Academic Performance Assessment (PAPA) basic skills exam. In addition, students will be required to take the appropriate test exam for each area of certification they wish to obtain.

    For more information about examinations and registration:

    Middle Level Certification (Grades 4–8) and Secondary Certification (Grades 7–12)

    All undergraduate and dual degree BS/MS students seeking certification in middle (grades 4–8) or secondary (grades 7–12) levels are required to pass exams from the PA Education Certification Tests (PECT) and the Praxis II Series. Students must pass both the Pre-service Academic Performance Assessment (PAPA) basic skills test exam and the appropriate Praxis II Content Knowledge test for each area of certification they wish to obtain.

    For more information about examinations and registration:

    Pennsylvania Act 48 Requirements

    To maintain Instructional I and Instructional II Certifications, the PDE requires a teacher to complete one of the following every five years:

  • Six semester-hour (or nine quarter-hour) credits. Credits must be acquired from an accredited, four-year, degree-granting college or university.
  • 180 hours of professional development
  • A combination of credits and professional development hours every five years.
  • Note: For those working to acquire Instructional II Certification, the 24 semester credits or 36 quarter credits needed to apply for Instructional II may also count toward Act 48 requirements.

    Download the Pennsylvania Department of Education’s Frequently Asked Questions about Act 48 [PDF].

    Gain Buy-In. Manage Risk. Scale Your Career.

    Purdue University developed its online Project Management Essentials, Project Management Professional (PMP)® test Preparation and Agile courses as a series to help learners effectively plan, orchestrate and control complex projects in their organizations. The courses also help learners prepare to pursue certification from the Project Management Institute (PMI) if they choose.

    Project Management Essentials is the first step for professionals who seek fundamental knowledge and skills to immediately apply to their projects and advance their careers. It also helps learners earn the educational hours required by PMI for PMP certification.

    Many of their learners follow up Project Management Essentials with the Agile Certificate Online Course and finally the PMP test Preparation course. This course is an in-depth review designed for experienced project managers who want to gain a firm understanding of PMP test content, identify areas of opportunity for strengthening their grasp of PM principles and develop a comprehensive study plan.

    The Agile Certificate Online Course can be completed at any point in the series, or as a stand-alone course. It offers a deep dive into the Agile methodology and commonly used frameworks. Learners gain an understanding of cutting-edge practices they can immediately apply to their careers. They also earn the prerequisite contact hours in Agile training required by the PMI and will be prepared to sit for the PMI Agile Certified Professional (PMI-ACP)® or PMP certification exam.

    Employers worldwide consider PMP certification the industry standard for project managers. As a result, the knowledge, skills and experience required for PMP certification are transferable across industries and continents.


    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 EXAM 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 test simulator. Visit Their demo questions and demo brain dumps, their test simulator and you will definitely know that killexams.com is the best brain dumps site.

    Which is the best dumps website?
    Indeed, Killexams is hundred percent legit and also fully reliable. There are several options that makes killexams.com traditional and straight. It provides updated and hundred percent valid ACTUAL EXAM QUESTIONS that contains real exams questions and answers. Price is really low as compared to almost all the services online. The Questions Answers are modified on frequent basis along with most latest brain dumps. Killexams account build up and item delivery is very fast. Record downloading will be unlimited and also fast. Help is avaiable via Livechat and Email address. These are the characteristics that makes killexams.com a sturdy website that supply ACTUAL EXAM QUESTIONS with real exams questions.

    Is killexams.com test material dependable?
    There are several Questions Answers provider in the market claiming that they provide real 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 get sites or reseller sites. Thats why killexams.com update test Questions Answers with the same frequency as they are updated in Real Test. ACTUAL EXAM QUESTIONS provided by killexams.com are Reliable, Up-to-date and validated by Certified Professionals. They maintain examcollection 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 get PDF test Questions from killexams.com and get ready for real exam. When you feel that you should register for Premium Version, Just choose visit killexams.com and register, you will receive your Username/Password in your Email within 5 to 10 minutes. All the future updates and changes in Questions Answers will be provided in your get Account. You can get Premium ACTUAL EXAM QUESTIONS files as many times as you want, There is no limit.

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

    ADX-271 test demo | NCAC-I PDF Dumps | Salesforce-B2B-Solution-Architect practice test | ASVAB-Arithmetic-Reasoning study guide | TCP-BW5 test test | NS0-003 Study Guide | PEGAPCSSA87V1 past bar exams | 1V0-81.20 examcollection | AD01 dumps | SPLK-2001 ACTUAL EXAM QUESTIONS | 500-215 free test papers | 3V0-41.22 practice questions | PEGACPSA88V1 practical test | 156-215.81 PDF Questions | Scrum-PSD-I PDF get | PSE-SASE dumps questions | LE0-583 english test questions | SPLK-4001 Cheatsheet | DEE-1111 get | 350-701 free practice questions |

    H35-582-ENU - Huawei Certified ICT Expert-5G-Radio study tips
    H35-582-ENU - Huawei Certified ICT Expert-5G-Radio braindumps
    H35-582-ENU - Huawei Certified ICT Expert-5G-Radio book
    H35-582-ENU - Huawei Certified ICT Expert-5G-Radio book
    H35-582-ENU - Huawei Certified ICT Expert-5G-Radio Cheatsheet
    H35-582-ENU - Huawei Certified ICT Expert-5G-Radio information hunger
    H35-582-ENU - Huawei Certified ICT Expert-5G-Radio outline
    H35-582-ENU - Huawei Certified ICT Expert-5G-Radio Questions and Answers
    H35-582-ENU - Huawei Certified ICT Expert-5G-Radio teaching
    H35-582-ENU - Huawei Certified ICT Expert-5G-Radio Latest Topics
    H35-582-ENU - Huawei Certified ICT Expert-5G-Radio dumps
    H35-582-ENU - Huawei Certified ICT Expert-5G-Radio learning
    H35-582-ENU - Huawei Certified ICT Expert-5G-Radio PDF Dumps
    H35-582-ENU - Huawei Certified ICT Expert-5G-Radio testing
    H35-582-ENU - Huawei Certified ICT Expert-5G-Radio study tips
    H35-582-ENU - Huawei Certified ICT Expert-5G-Radio book
    H35-582-ENU - Huawei Certified ICT Expert-5G-Radio test format
    H35-582-ENU - Huawei Certified ICT Expert-5G-Radio test Questions
    H35-582-ENU - Huawei Certified ICT Expert-5G-Radio PDF Braindumps
    H35-582-ENU - Huawei Certified ICT Expert-5G-Radio information search
    H35-582-ENU - Huawei Certified ICT Expert-5G-Radio book
    H35-582-ENU - Huawei Certified ICT Expert-5G-Radio PDF Download
    H35-582-ENU - Huawei Certified ICT Expert-5G-Radio Real test Questions
    H35-582-ENU - Huawei Certified ICT Expert-5G-Radio Question Bank
    H35-582-ENU - Huawei Certified ICT Expert-5G-Radio Free PDF
    H35-582-ENU - Huawei Certified ICT Expert-5G-Radio book
    H35-582-ENU - Huawei Certified ICT Expert-5G-Radio ACTUAL EXAM QUESTIONS
    H35-582-ENU - Huawei Certified ICT Expert-5G-Radio guide
    H35-582-ENU - Huawei Certified ICT Expert-5G-Radio Dumps
    H35-582-ENU - Huawei Certified ICT Expert-5G-Radio tricks
    H35-582-ENU - Huawei Certified ICT Expert-5G-Radio questions
    H35-582-ENU - Huawei Certified ICT Expert-5G-Radio certification
    H35-582-ENU - Huawei Certified ICT Expert-5G-Radio course outline
    H35-582-ENU - Huawei Certified ICT Expert-5G-Radio certification
    H35-582-ENU - Huawei Certified ICT Expert-5G-Radio test Braindumps
    H35-582-ENU - Huawei Certified ICT Expert-5G-Radio braindumps
    H35-582-ENU - Huawei Certified ICT Expert-5G-Radio information search
    H35-582-ENU - Huawei Certified ICT Expert-5G-Radio braindumps
    H35-582-ENU - Huawei Certified ICT Expert-5G-Radio answers
    H35-582-ENU - Huawei Certified ICT Expert-5G-Radio Practice Questions
    H35-582-ENU - Huawei Certified ICT Expert-5G-Radio Latest Topics
    H35-582-ENU - Huawei Certified ICT Expert-5G-Radio learn
    H35-582-ENU - Huawei Certified ICT Expert-5G-Radio PDF Questions
    H35-582-ENU - Huawei Certified ICT Expert-5G-Radio questions


    H35-462 Practice Questions | H13-611 dump | H12-222 test Cram | H13-612 Cheatsheet | H12-311 free online test | H31-211 study questions | H12-221 study guide | H35-582-ENU demo test questions | H13-523 PDF Dumps | H12-223 test practice | H11-861-ENU test questions | H13-311_V3.0-ENU practice exam | H35-660_V2.0-ENU test test | H35-660 practice exam | H12-322_V1.0-ENU test sample | H31-523 free prep | H12-261 questions and answers | H35-210_V2.5-ENU Practice test | H12-721 free pdf download | H13-629 study material |

    Best ACTUAL EXAM QUESTIONS You Ever Experienced

    Salesforce-Certified-Business-Analyst test questions | Google-AAD Questions and Answers | 212-055 test prep | DEA-5TT1 test questions | 499-01 test papers | MB-335 ACTUAL EXAM QUESTIONS | HPE6-A72 ACTUAL EXAM QUESTIONS | MS-101 study guide | CIS-CPG test tips | H12-111_V2.5-ENU cbt | CTIL-001 cheat sheet | CMQ-OE real questions | CTFL_Foundation past bar exams | Copado-Developer test questions | 050-11-CARSANWLN01 Practice test | DP-203 dumps | MB-910 Practice Test | BCCPP assessment test sample | 71301X test Cram | ARA-C01 free pdf |

    References :

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

    Direct Download

    H35-582-ENU 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.

    H35-582-ENU Reviews

    100% Valid and Up to Date H35-582-ENU 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