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 HPE0-S54?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der HPE0-S54: Designing HPE Server Solutions Prüfung.

2023 Updated Actual HPE0-S54 questions as experienced in Test Center

Aktuelle HPE0-S54 Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz

HPE0-S54 ACTUAL EXAM QUESTIONS - Designing HPE Server Solutions | https://www.easyfinanz.cc/

HP HPE0-S54 : Designing HPE Server Solutions ACTUAL EXAM QUESTIONS

Exam Dumps Organized by Richard



Latest 2023 Updated HP Designing HPE Server Solutions Syllabus
HPE0-S54 ACTUAL EXAM QUESTIONS / Braindumps contains genuine test Questions

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




HPE0-S54 Test Center Questions : Download 100% Free HPE0-S54 ACTUAL EXAM QUESTIONS (PDF and VCE)

Exam Number : HPE0-S54
Exam Name : Designing HPE Server Solutions
Vendor Name : HP
Update : Click Here to Check Latest Update
Question Bank : Check Questions

You can make sure your success with HPE0-S54 Latest Topics containing Practice Questions
Killexams.com's test prep Practice Questions serves everyone who needs to pass the HPE0-S54 exam, including HPE0-S54 Exam Questions, which you can easily make your study guide, and VCE test simulator that you can use to practice and memorize the HPE0-S54 Practice Questions. Their HP HPE0-S54 Free PDF questions are precisely the same as the genuine exam.

If you are in urgent need of passing the HP HPE0-S54 test to find employment or advance your current position within your organization, registering at killexams.com is a must. There are numerous professionals gathering HPE0-S54 authentic test questions from killexams.com. You will receive Designing HPE Server Solutions test questions to ensure your success in the HPE0-S54 exam. You can obtain updated HPE0-S54 test questions every time you log in to your account. Although there are a few organizations that offer HPE0-S54 Exam Questions, having a valid and latest 2023 updated HPE0-S54 Question Bank is crucial. You should think twice before relying entirely on Free Dumps available on the internet as it could lead to failing the exam. Hence, it is better to pay a small fee for killexams' HPE0-S54 genuine questions than to waste a large test fee.

Passing the Designing HPE Server Solutions test is easy if you have a clear understanding of the HPE0-S54 syllabus and a 2023 updated question bank. Studying and practicing authentic questions is more efficient for quick success. You need to familiarize yourself with the challenging questions asked in the genuine HPE0-S54 exam. To achieve this, you should visit killexams.com and obtain free HPE0-S54 Question Bank test questions to study. If you feel confident in retaining those HPE0-S54 questions, you can register to obtain Question Bank of HPE0-S54 Test Prep. This will be a significant step towards success. Install the VCE test simulator on your PC, read and memorize HPE0-S54 Test Prep, and take practice tests as often as possible with the VCE test simulator. Once you feel you have memorized all the questions in the Designing HPE Server Solutions test question bank, visit the Test Center and register for the genuine exam.







HPE0-S54 test Format | HPE0-S54 Course Contents | HPE0-S54 Course Outline | HPE0-S54 test Syllabus | HPE0-S54 test Objectives


Exam ID : HPE0-S54

Exam type : Proctored

Exam duration : 1 hour 30 minutes

Exam length : 60 questions

Passing score : 66%

Delivery languages : English, Japanese

Supporting resources : These recommended resources help you prepare for the exam:

Designing HPE Server Solutions, Rev. 18.11



The Minimally Qualified Candidate (MQC) for Server Architect at the Accredited System Engineer (ASE) level has advanced knowledge of HPE solutions and underlying technologies, which include CPU, memory, disk, power, networking, management subsystems, data center environments, and multi-site configurations. The typical MQC will have worked in the IT industry in an HPE server environment for at least 18 to 36 months.



Complete the training and review all course materials and documents before you take the exam.
Use HPE Press study guides and additional reference materials; study guides, practice tests, and HPE books.
Exam items are based on expected knowledge acquired from job experience, an expected level of industry standard knowledge, or other prerequisites (events, supplemental materials, etc.).
Successful completion of the course or study materials alone, does not ensure you will pass the exam.



55% Plan and Design Solutions

Based on the customers goal, determine the appropriate information to gather from the customer.

Given a scenario, determine an appropriate tool to size, specify, or build a solution.

Given a scenario, describe how to generate the customer proposal (for example, Bill of Materials, TCO Report, diagrams, Quote, third-party items, power and cooling statistics).

Given a scenario, identify potential design issues with the customers existing environment.

Determine under which circumstances an architect would propose specific industry standard server, storage, network architectures and technologies.

Given a customers long-term vs short-term needs, determine a solution with a possible upgrade path.

Given a scenario, describe the service offerings that meet the business and IT objectives.

Analyze customer information to determine the gap between the existing customer environment and the documented customer needs.

Compare and contrast available HA and DR solutions, match them with the customers business needs, and available budget.

Provide a rationale for a product line within a given solution.

Given a scenario, map the solution benefits to the original customer requirements and respond to customer objections raised by key stakeholders.



20% Install, Configure, and Set Up, Solutions

Evaluate the customer environment to determine POC suitability. (site specific/scenario based)

Analyze the success criteria and proposed POC solution to determine the gap between them.

Describe the steps for implementing the design.

Determine how the design achieves the customers technical requirements and highlight additional improvements identified during design implementation.



10% Troubleshoot Solutions

Given a customer problem, determine an appropriate resolution path.

Explain how to use the appropriate tools to identify a problem.

Describe the correlation between a remediation and its predicted outcome.



15% Manage, Monitor, and Maintain Solutions

Given a customer situation, identify the appropriate management tool to use.

Describe the steps for performing common management tasks.

Interpret collected data for lifecycle management operations.

Interpret collected data to optimize performance and availability.



Killexams Review | Reputation | Testimonials | Feedback


Can i obtain genuine Questions & Answers updated HPE0-S54 exam?
I was concerned about the tough case studies in the HPE0-S54 exam, but thanks to killexams.com braindumps team, my doubts were cleared with the explanations provided for the answers. I even received well-solved case studies in my email. I took the test and received a 92% score. I give full credit to killexams.com and look forward to passing more tests with their help.


HPE0-S54 study guide a ways clean with these dumps.
I am thrilled with my HPE0-S54 test results and owe my success to killexams.com. Their preparation materials were helpful and provided me with the skills and knowledge necessary to pass the test without trouble. I cannot thank them enough for their assistance.


Study specialists question and dumps to have awesome success.
I was able to become one of the top-ranking college students thanks to the killexams.com practicing software, which helped me join the ranks of super college students in my class. The unique resources, such as HPE0-S54 dumps and books, were extremely beneficial for my preparation. I am delighted to express my appreciation for killexams.com, which deserves all the praise.


Do you need real test questions latest HPE0-S54 test to pass the exam?
My parents used to tell me about their experiences studying seriously and passing their exams on the first try. However, they never encountered the flood of books and study guides that confuse students during test studies, particularly for the HPE0-S54 exam. Today, you cannot avoid certifications such as the HPE0-S54 exam, even after completing conventional education, and competition is fierce. Fortunately, killexams.com provides Q&A that can take students to the test with confidence and assurance of passing. Thank you, killexams.com, for helping us avoid scolding from their parents and hearing their success stories.


What is needed to study and pass HPE0-S54 exam?
Killexams.com offers real brain dumps, and everything you get there is dependable. I heard good reviews about Killexams, so I bought their material to prepare for my HPE0-S54 exam. Everything was as good as they promised: appropriate, nice, and clean practice exams. I passed my HPE0-S54 test with a score of 96%.


HP HPE test success

 

Bridge celebrates pupils’ success in national exam

Bridge International Academies has said its pupils performed excellently for the fifth year in a row at the National Common Entrance Exam.

A statement by the school said Alexander Tarhe-Veyan was this year’s highest-performing pupil at Bridge with a total score of 188.

It explained that earlier in the year, Tarhe-Veyan came first place in The Ultimate Mathematics Ambassador competition out of over 1,800 pupils.

“Tarhe-Veyan also participated in the Deeper Life High School Entrance test where he topped the list with an amazing 92% score.”

It added that he was closely followed by Divine Mcanthony who had a total score of 186.

It read, “She was also the best-performing female Bridge pupil. This year, 121 Bridge pupils registered for the exam, 61 males and 60 females. The result of the test further proves the learning equity at Bridge as girls made the same leap in learning as boys.”

Managing Director of Bridge International Academies in Nigeria Foyinsola Akinjayeju, said, “We are immensely proud of their pupils’ outstanding performance in the National Common Entrance Exam.”

“This achievement is a testament to the hard work and dedication of their pupils, teachers, and staff, who strive for excellence every day. It also reflects the power of their holistic methodology, which leverages technology and data to deliver high-quality education to underserved communities,” she added.

Academics Manager, Ezinne Tochie-Asogwa, added,

“Bridge International Academies is committed to ensuring that every child, regardless of their background, has access to a life-changing education. Through its network of schools and innovative learning tools, Bridge has been able to bridge the education gap and empower thousands of children to reach their full potential.

“The consistent success of its pupils in the National Common Entrance test further reinforces the school’s mission and underscores the positive impact it is making in the education sector.”


The Key to Success in CBSE Class 12 Board Exams 2024 through Previous Year Solved Papers

No result found, try new keyword!These papers offer invaluable insights into the test pattern, question types, and marking schemes, making them an essential tool for success. In this blog, they will explore how solving CBSE ...

Academic Resource Center

The Academic Resource Center (ARC) is designed to assist SLU LAW students with the support they need to be successful during law school and in their future legal careers.

The ARC provides resources and assistance to help students succeed from the first day of classes and continues when they are alumni working towards success on the bar exam.

Academic Success

Though the program at Saint Louis University School of Law is rigorous, SLU LAW provides an avenue for achieving success in learning the law. Academic Success services provide students with the advising, assistance and support they need as they enter and progress through law school. Students can find information on the structure of the first-year program as well as tips and advice on getting accustomed to the curriculum. Information is provided on times and dates of important workshops, and students can find valuable study tools. There are opportunities to learn exam-taking techniques as well as a variety of other helpful law school aids. 

Academic advising is available to all law students. Students may meet with Professor Antonia Miceli or Professor Petina Benigno to discuss any academic issues, including outlining, test preparation and review, curriculum choices and other concerns a student might have. Please contact Professor Miceli or Professor Benigno with a list of times and days you are available in order to schedule an appointment.

Bar test Success

Perhaps you've only briefly thought about the bar test or perhaps you have focused squarely on it. Whatever your position, it's not too late to become informed about the bar test and the steps you can take to prepare for, and succeed on, it.

What is a Bar Exam?

In almost every state in the U.S. and in some territories, recently graduated law students sit for a state bar exam. For instance, if you are interested in practicing in Missouri, you would take the Missouri Bar Exam. The bar test measures a candidate's competency to practice law in a particular state. Successful bar test candidates receive a license evidencing their competency to practice law in a given jurisdiction.

Passing Your Bar Exam

Passing the bar test is a pivotal last step in becoming an attorney. There are many things you can do as a student to achieve this success. Much of the law school curriculum is geared toward providing you with the necessary foundation for success. In addition, most students participate in a commercial bar review course after graduation. This course reviews (and in some cases introduces you to) those subjects that might be tested on your jurisdiction's bar exam.

Beyond Bar Classes and Commercial Review Courses

In addition to what you learn in your law school classes and the commercial bar review courses, SLU LAW offers workshops and programs designed to help you assess and practice the skills necessary for passing the bar.

These workshops cover each part of the bar test — the essay, multiple choice and performance test portions. Thus, you have the opportunity to not only learn the appropriate substance but to also hone the necessary skills related to each portion of the bar exam.

Getting Started

Current students and alumni of Saint Louis University School of Law are encouraged to contact Professor Antonia Miceli, the director of Academic Support and Bar Success, or Professor Petina Benigno, the assistant director, and to participate in the bar preparation workshops and programs as they are announced. Please feel free to stop by Professor Miceli’s or Professor Benigno's office so that you can meet in person.

Additional Resources

Visit the Academic Resource Center Canvas page for resources and assistance from 1L year through passing the bar exam.

In addition, below is a list of resources to help you learn more about the bar exam:


 




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 sample questions and sample 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?
Of course, Killexams is 100% legit in addition to fully trusted. There are several characteristics that makes killexams.com realistic and legitimized. It provides up to date and 100% valid ACTUAL EXAM QUESTIONS that contains real exams questions and answers. Price is nominal as compared to almost all the services online. The Q&A are current on regular basis by using most recent brain dumps. Killexams account method and solution delivery is amazingly fast. Document downloading is usually unlimited and intensely fast. Assist is avaiable via Livechat and E-mail. These are the characteristics that makes killexams.com a robust website offering ACTUAL EXAM QUESTIONS with real exams questions.



Is killexams.com test material dependable?
There are several Q&A provider in the market claiming that they provide genuine test Questions, Braindumps, Practice Tests, Study Guides, cheat sheet and many other names, but most of them are re-sellers that do not update their contents frequently. Killexams.com is best website of Year 2023 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 Q&A 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 dumps questions of valid Questions that is kept up-to-date by checking update on daily basis.

If you want to Pass your test Fast with improvement in your knowledge about latest course contents and Topics of new syllabus, They recommend to obtain PDF test Questions from killexams.com and get ready for genuine exam. When you feel that you should register for Premium Version, Just choose visit killexams.com and register, you will receive your Username/Password in your Email within 5 to 10 minutes. All the future updates and changes in Q&A will be provided in your obtain Account. You can obtain Premium ACTUAL EXAM QUESTIONS 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 genuine Test. Go register for Test in Test Center and Enjoy your Success.




IAAP-CAP braindumps | MO-100 test preparation | CFP PDF obtain | KCNA test results | 71201X pdf obtain | S10-110 pass test | 201-450 question test | NCMA-CMA prep questions | 300-725 practice test | CBSA cheat sheets | CCCP-001 certification sample | DES-2T13 test practice | TEAS-V7 practice questions | CRNE english test questions | NSE5_FAZ-7.0 practice test | AACD cram | MORF dump | ADM-211 braindumps | NCP-MCI-5.15 past bar exams | CAP Q&A |


HPE0-S54 - Designing HPE Server Solutions test syllabus
HPE0-S54 - Designing HPE Server Solutions education
HPE0-S54 - Designing HPE Server Solutions Cheatsheet
HPE0-S54 - Designing HPE Server Solutions information hunger
HPE0-S54 - Designing HPE Server Solutions exam
HPE0-S54 - Designing HPE Server Solutions test syllabus
HPE0-S54 - Designing HPE Server Solutions braindumps
HPE0-S54 - Designing HPE Server Solutions testing
HPE0-S54 - Designing HPE Server Solutions test
HPE0-S54 - Designing HPE Server Solutions Question Bank
HPE0-S54 - Designing HPE Server Solutions test Questions
HPE0-S54 - Designing HPE Server Solutions braindumps
HPE0-S54 - Designing HPE Server Solutions test Questions
HPE0-S54 - Designing HPE Server Solutions information search
HPE0-S54 - Designing HPE Server Solutions braindumps
HPE0-S54 - Designing HPE Server Solutions questions
HPE0-S54 - Designing HPE Server Solutions genuine Questions
HPE0-S54 - Designing HPE Server Solutions Latest Topics
HPE0-S54 - Designing HPE Server Solutions Real test Questions
HPE0-S54 - Designing HPE Server Solutions boot camp
HPE0-S54 - Designing HPE Server Solutions genuine Questions
HPE0-S54 - Designing HPE Server Solutions Questions and Answers
HPE0-S54 - Designing HPE Server Solutions study tips
HPE0-S54 - Designing HPE Server Solutions answers
HPE0-S54 - Designing HPE Server Solutions PDF Dumps
HPE0-S54 - Designing HPE Server Solutions test syllabus
HPE0-S54 - Designing HPE Server Solutions test Cram
HPE0-S54 - Designing HPE Server Solutions Free test PDF
HPE0-S54 - Designing HPE Server Solutions PDF Dumps
HPE0-S54 - Designing HPE Server Solutions test prep
HPE0-S54 - Designing HPE Server Solutions test
HPE0-S54 - Designing HPE Server Solutions teaching
HPE0-S54 - Designing HPE Server Solutions study help
HPE0-S54 - Designing HPE Server Solutions course outline
HPE0-S54 - Designing HPE Server Solutions real questions
HPE0-S54 - Designing HPE Server Solutions test Questions
HPE0-S54 - Designing HPE Server Solutions study tips
HPE0-S54 - Designing HPE Server Solutions Latest Topics
HPE0-S54 - Designing HPE Server Solutions Cheatsheet
HPE0-S54 - Designing HPE Server Solutions study tips
HPE0-S54 - Designing HPE Server Solutions certification
HPE0-S54 - Designing HPE Server Solutions Test Prep
HPE0-S54 - Designing HPE Server Solutions outline
HPE0-S54 - Designing HPE Server Solutions Cheatsheet

Other HP ACTUAL EXAM QUESTIONS


HPE0-S58 mock exam | HPE2-CP02 Latest Topics | HPE6-A71 test questions | HPE0-S54 PDF Questions | HPE6-A72 braindumps | HPE0-J50 test Questions | HPE6-A70 practice exam | HPE6-A47 PDF Download | HPE2-T37 Latest Questions | H19-301 cram | HPE0-S55 sample test | HPE0-S22 test prep | HPE2-W07 real questions | HPE0-S57 free practice tests | HPE0-V14 free pdf | HPE6-A73 study questions | HPE2-K42 model question | HPE6-A82 test questions | HPE6-A68 Test Prep | HPE2-E72 Questions and Answers |


Best ACTUAL EXAM QUESTIONS You Ever Experienced


ATA cheat sheet pdf | CIMAPRA19-P03-1-ENG practice questions | NACE-CIP1-001 free prep | ASVAB-Assembling-Objects test Cram | NCMA-CMA Latest Questions | NREMT-PTE braindumps | ISTQB-Advanced-Level-3 Study Guide | Mulesoft-CD Question Bank | PulseSecure-PPS Practice Questions | AZ-140 Real test Questions | IAAP-CAP study guide | Professional-Cloud-DevOps-Engineer PDF Dumps | 350-201 real questions | AD0-E709 practice exam | GCP-GC-ADM Cheatsheet | CBAP training material | ML0-320 cheat sheet | PMI-ACP test prep | NCSE-Core real questions | OCS test questions |





References :


http://killexams-braindumps.blogspot.com/2020/06/0day-updated-pass4sure-hpe0-s54-exam.html
https://killexams-posting.dropmark.com/817438/23650385
https://killexams-posting.dropmark.com/817438/23668537
https://www.instapaper.com/read/1323705286
https://youtu.be/JqwazPbMT8Y
https://sites.google.com/view/killexams-hpe0-s54-questions-a
https://killexams-hpe0-s54.jimdofree.com/
http://feeds.feedburner.com/DownloadFreeHpe2-e69DumpsQuestionsAndAnswers
https://files.fm/f/s8pnu6gmb



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






Direct Download

HPE0-S54 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.

HPE0-S54 Reviews

100% Valid and Up to Date HPE0-S54 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