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 HPE2-E65?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der HPE2-E65: Selling HPE Enterprise Solutions Prüfung.

2022 Updated Actual HPE2-E65 questions as experienced in Test Center

Laden Sie HPE2-E65 Übungstest und aktuelle Fragen herunter - easy finanz | easyfinanz

Selling HPE Enterprise Solutions practice questions with Latest HPE2-E65 practice questions | https://www.easyfinanz.cc/

HP HPE2-E65 : Selling HPE Enterprise Solutions exam Dumps

Exam Dumps Organized by Richard



Latest 2022 Updated Syllabus
HPE2-E65 cheat sheet | Latest Braindumps with genuine Questions

Real Questions from Latest subjects of HPE2-E65 - Updated Daily - 100% Pass Guarantee



HPE2-E65 trial Questions : Download 100% Free HPE2-E65 cheat sheet (PDF and VCE)

Exam Number : HPE2-E65
Exam Name : Selling HPE Enterprise Solutions
Vendor Name : HP
Update : Click Here to Check Latest Update
Question Bank : Check Questions

Click as well as get HPE2-E65 exam Study Guide and Actual Questions to pass precise test.
We provide HPE2-E65 exam queries with 100% pass assure. You need to practice questions no less than 24 hours for the most powerful scores in the test. Your own real charge to air flow through throughout HPE2-E65 test, starts along with killexams.com HPE2-E65 test practice queries. All HPE2-E65 Test Prep rejuvenated and permitted on common premise.

HP HPE2-E65 exam target is to obvious your aspects about main concepts regarding Selling HPE Enterprise Solutions. Just HPE2-E65 course publications can not make this happen task. It is advisable to make a sturdy effort to visit on HPE2-E65 interesting designs. You ought to head to killexams.com to acquire Free HPE2-E65 exam dumps concerns and examine completely. Presuming you feel that you may hold individuals HPE2-E65 concerns, you ought to acquire full Exam Questions of HPE2-E65 Practice Questions. That will be an incredible development, improvement toward advancement. get and install VCE VCE exam out in your DESKTOP. Memorize and also understand HPE2-E65 Practice Questions and also take the exercise tests whenever possible with VCE VCE exam out. When you think that you have commited to memory all the questions inside the Selling HPE Enterprise Solutions concerns bank, sign up for a real test out.
Top features of Killexams HPE2-E65 Practice Questions
-> Instantaneous HPE2-E65 Practice Questions get Gain access to
-> Comprehensive HPE2-E65 Questions and also Answers
-> 98% Success Price of HPE2-E65 exam
-> Assured genuine HPE2-E65 exam concerns
-> HPE2-E65 Issues Updated in Regular base.
-> Valid and also 2022 Kept up to date HPE2-E65 Assessment Dumps
-> totally Portable HPE2-E65 exam Data files
-> Full included HPE2-E65 VCE exam Sim
-> No Control on HPE2-E65 exam Obtain Access
-> Fantastic Discount Coupons
-> totally Secured Obtain Account
-> totally Confidentiality Made sure
-> 100% Accomplishment certain
-> totally Free exam dumps trial Issues
-> No Undetectable Cost
-> Absolutely no Monthly Expenses
-> No Intelligent Account Restoration
-> HPE2-E65 Assessment Update Appel by E mail
-> Free Tech support team

Assessment Detail from: https://killexams.com/pass4sure/exam-detail/HPE2-E65
Rates Details from: https://killexams.com/exam-price-comparison/HPE2-E65
Notice Complete Checklist: https://killexams.com/vendors-exam-list

Discount Discount on Complete HPE2-E65 Practice Questions Exam Questions;
WC2020: 60 per cent Flat Lower price on each examination
PROF17: 10% Further Lower price on Valuation Greater than $69
DEAL17: 15% Further Lower price on Valuation Greater than 99 dollars







HPE2-E65 exam Format | HPE2-E65 Course Contents | HPE2-E65 Course Outline | HPE2-E65 exam Syllabus | HPE2-E65 exam Objectives


Exam ID : HPE2-E65
Exam Title : Selling HPE Enterprise Solutions
Exam type : Web based
Exam duration : 1 hour 15 minutes
Exam length : 50 questions
Passing score : 70%
Delivery languages : Brazilian Portuguese, Castilian Spanish, English, Japanese, Korean, Russian, French, German

Exam Contents
This exam has 50 questions. Here are types of questions to expect:
- Matching
- Multiple choice (multiple responses)
- Multiple choice (single response)
- Drag-and-drop

Exam Description
This exam tests your ability to identify potential HPE customers and then validate and qualify opportunities to sell HPE enterprise solutions and services. The four Transformation Areas are: - Transform to a Hybrid Infrastructure - Protect your Digital Enterprise - Empower the Data driven Organization - Enable Workplace Productivity

Exam Outline | Syllabus
10% Introduction
- Explain how the Hewlett Packard Enterprise New Style of Business helpssolve customerchallenges
- Describe the Hewlett Packard Enterprise Transformation Areas
20% Understand the Customer Needsfor Transforming to a Hybrid Infrastructure
- Identify and pursue sales opportunitiesfor Hewlett Packard Enterprise related to hybrid infrastructure
- Address key customer personas and responsibilities
20% Validate the Opportunity for Transforming to a Hybrid Infrastructure
- Use appropriate discovery questionsto uncovercustomer needs, business drivers, and requirementsrelating to a hybrid infrastructure
- Identify the businesscase for how Hewlett Packard Enterprise meetsthe customer requirementsfor hybrid infrastucture
20% Qualify the Opportunity for Transforming to a Hybrid Infrastructure
- Identify hybrid infrastructure use casesfor Hewlett Packard Enterprise
- Identify and overcome barriers and objections by recognizing Hewlett Packard Enterprises key differentiatorsin the hybrid infrastructure transformation area
- Leverage Hewlett Packard Enterprise Technology Services and Financial Servicesto add value to the sale
10% Understand, Validate, and Qualify the Opportunity for Protecting your Digital Enterprise
- Identify and pursue sales opportunitiesrelated to protecting the enterprise
- Use appropriate discovery questionsto uncovercustomer needs, business drivers, and requirementsfor protecting their digital enterprise
- Identify digital protection use casesfor Hewlett Packard Enterprise
- Identify and overcome barriers and objections by recognizing Hewlett Packard Enterprise's key differentiatorsin data protection
10% Understand, Validate, and Qualify the Opportunity for Empowering the Data-driven Organization
- Identify and pursue sales opportunitiesrelated to data-driven organizations
- Use appropriate discovery questionsto uncovercustomer needs, business drivers, and requirementsfor their data-driven organization
- Identify data-driven use casesfor Hewlett Packard Enterprise
- Identify and overcome barriers and objections by recognizing Hewlett Packard Enterprise's key differentiatorsin data-driven solutions
10% Understand, Validate, and Qualify the Opportunity for Enabling Workplace Productivity
- Identify and pursue sales opportunitiesrelated to enabling workplace productivity
- Use appropriate discovery questionsto uncovercustomer needs, business drivers, and requirementsfor enabling workplace productivity
- Identify productivity use casesfor Hewlett Packard Enterprise
- Identify and overcome barriers and objections by recognizing Hewlett Packard Enterprise's key differentiatorsin enabling workplace productivity



Killexams Review | Reputation | Testimonials | Feedback


What study guide do I want to put together to pass HPE2-E65 exam?
I have earned better scores in HPE2-E65 certification with the help of highly affordable products. I got HPE2-E65 exam engine to get rid of difficult concepts of this certification. I had bought HPE2-E65 exam braindump to have bright grades in the certification. It was a good decision because these products are designed according to my liking. It helped me to get read in fifteen days and after this short time, I had scored well with the help of these sensible products, therefore, I am writing to say thanks to all of you for your great services.


Greate HPE2-E65 dumps with guaranteed success.
I notion I will be the usage of braindumps for serious IT tests (I was usually an honors scholar, lol), but as your profession progresses and you've more duties, which incorporates your family, locating time and money to put together for your exam get tougher and tougher. But, to provide for your own family, you need to maintain your profession and know-how growing. So, perplexed and a bit responsible, I ordered the killexams.com package deal. It lived as much as my expectancies, as I passed the HPE2-E65 exam with a superbly appropriate score. The reality is, they do offer you real HPE2-E65 exam mock exam - this is exactly what they promise. However, the best information also is, that the statistics you cram to your exam stay with you. do not all of us love the mock exam layout due to that So, a few months later, as soon as I obtained a huge selling with even larger responsibilities, I often locate myself drawing from the understanding I got from Killexams. So it moreover facilitates ultimately, so I do not enjoy that responsible anymore.


Need genuine exam questions latest HPE2-E65 exam? get here.
I passed this exam with killexams.com and have currently received my HPE2-E65 certificates. I did all my certifications with Killexams, so I can not exam what it is like to take an exam with/without it. Yet, the truth that I preserve coming back for their bundles suggests that I am satisfied with this exam answer. I love being able to exercise on my pc, inside the consolation of my domestic, especially whilst the enormous majority of the questions appearing on the exam are exactly equal to what you noticed to your exam simulator at home. Thanks to Killexams, I got as much as the Professional degree. I am no longer positive whether Ill be shifting up any time quickly, as I seem to be glad where I am. Thanks, Killexams.


I feel very confident via valid HPE2-E65 genuine test questions.
I got 79% in HPE2-E65 exam. Your exam material became very helpful. A massive Thank you killexams!


Where can i am getting assist to pass HPE2-E65 exam?
killexams.com is simple and solid and you can finish the test on the off chance that you go through their inquiry monetary group. No terms to explicit as I have finished the HPE2-E65 exam on the principal attempt. A couple of unmistakable questions banks are likewise accessible in the commercial center, however, I experience killexams.com is astonishing among them. I am exceptionally certain and will apply it for my extraordinary test furthermore. Much appreciated for your parcels. Killexams.


HP Enterprise Real exam Questions



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 cheat sheet 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.

Is Killexams.com Legit?
You bet, Killexams is 100 percent legit as well as fully trustworthy. There are several functions that makes killexams.com unique and genuine. It provides up to date and 100 percent valid cheat sheet that contains real exams questions and answers. Price is very low as compared to almost all services on internet. The mock exam are up to date on frequent basis together with most accurate brain dumps. Killexams account setup and solution delivery can be quite fast. Data downloading is normally unlimited and intensely fast. Assist is avaiable via Livechat and Email. These are the characteristics that makes killexams.com a strong website that provide cheat sheet with real exams questions.



Which is the best braindumps site of 2022?
There are several mock exam 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 2022 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 exam mock exam with the same frequency as they are updated in Real Test. cheat sheet 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 subjects of new syllabus, They recommend to get 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 exam will be provided in your get Account. You can get Premium cheat sheet files as many times as you want, There is no limit.

Killexams.com has provided VCE VCE 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.




PK0-004 past exams | 5V0-33.19 VCE exam | 300-620 study guide | 2V0-21.20 training material | C2150-609 trial test | CSBA questions get | Nonprofit-Cloud-Consultant exam prep | 312-50v11 exam preparation | C100DBA Dumps | C2010-597 exam Braindumps | 77-725 exam questions | HPE2-T35 past bar exams | RE18 online exam | Servicenow-PR000370 free online test | 2V0-31.21 dump | H12-224 cheat sheet | VMCE2021 mock questions | CIMAPRA17-BA4-1-ENG Test Prep | JN0-221 PDF get | C1000-002 VCE exam |


HPE2-E65 - Selling HPE Enterprise Solutions study tips
HPE2-E65 - Selling HPE Enterprise Solutions exam format
HPE2-E65 - Selling HPE Enterprise Solutions dumps
HPE2-E65 - Selling HPE Enterprise Solutions exam Questions
HPE2-E65 - Selling HPE Enterprise Solutions exam Braindumps
HPE2-E65 - Selling HPE Enterprise Solutions information hunger
HPE2-E65 - Selling HPE Enterprise Solutions study help
HPE2-E65 - Selling HPE Enterprise Solutions exam Questions
HPE2-E65 - Selling HPE Enterprise Solutions outline
HPE2-E65 - Selling HPE Enterprise Solutions exam Questions
HPE2-E65 - Selling HPE Enterprise Solutions course outline
HPE2-E65 - Selling HPE Enterprise Solutions answers
HPE2-E65 - Selling HPE Enterprise Solutions book
HPE2-E65 - Selling HPE Enterprise Solutions exam Cram
HPE2-E65 - Selling HPE Enterprise Solutions braindumps
HPE2-E65 - Selling HPE Enterprise Solutions learn
HPE2-E65 - Selling HPE Enterprise Solutions book
HPE2-E65 - Selling HPE Enterprise Solutions learn
HPE2-E65 - Selling HPE Enterprise Solutions tricks
HPE2-E65 - Selling HPE Enterprise Solutions information search
HPE2-E65 - Selling HPE Enterprise Solutions exam dumps
HPE2-E65 - Selling HPE Enterprise Solutions exam Questions
HPE2-E65 - Selling HPE Enterprise Solutions information search
HPE2-E65 - Selling HPE Enterprise Solutions Free exam PDF
HPE2-E65 - Selling HPE Enterprise Solutions exam dumps
HPE2-E65 - Selling HPE Enterprise Solutions exam
HPE2-E65 - Selling HPE Enterprise Solutions testing
HPE2-E65 - Selling HPE Enterprise Solutions testing
HPE2-E65 - Selling HPE Enterprise Solutions exam
HPE2-E65 - Selling HPE Enterprise Solutions real questions
HPE2-E65 - Selling HPE Enterprise Solutions information source
HPE2-E65 - Selling HPE Enterprise Solutions study help
HPE2-E65 - Selling HPE Enterprise Solutions book
HPE2-E65 - Selling HPE Enterprise Solutions Real exam Questions
HPE2-E65 - Selling HPE Enterprise Solutions questions
HPE2-E65 - Selling HPE Enterprise Solutions learn
HPE2-E65 - Selling HPE Enterprise Solutions techniques
HPE2-E65 - Selling HPE Enterprise Solutions Cheatsheet
HPE2-E65 - Selling HPE Enterprise Solutions Test Prep
HPE2-E65 - Selling HPE Enterprise Solutions exam Questions
HPE2-E65 - Selling HPE Enterprise Solutions techniques
HPE2-E65 - Selling HPE Enterprise Solutions exam
HPE2-E65 - Selling HPE Enterprise Solutions course outline
HPE2-E65 - Selling HPE Enterprise Solutions cheat sheet
HPE2-E65 - Selling HPE Enterprise Solutions study help
HPE2-E65 - Selling HPE Enterprise Solutions Latest Topics
HPE2-E65 - Selling HPE Enterprise Solutions answers
HPE2-E65 - Selling HPE Enterprise Solutions exam dumps
HPE2-E65 - Selling HPE Enterprise Solutions syllabus
HPE2-E65 - Selling HPE Enterprise Solutions exam dumps
HPE2-E65 - Selling HPE Enterprise Solutions Practice Test
HPE2-E65 - Selling HPE Enterprise Solutions braindumps
HPE2-E65 - Selling HPE Enterprise Solutions PDF Download


HPE6-A73 braindumps | HPE2-W07 practice questions |


Best Certification cheat sheet You Ever Experienced


HP2-W100 free pdf | HP2-B149 Dumps | HP0-D30 test prep | HPE2-Z38 VCE exam | HPE6-A68 pdf get | HPE6-A44 braindumps | HP0-J47 exam preparation | HP2-Z29 study questions | HP2-Z25 Practice Questions | HPE2-E69 practice exam | HP2-B129 test prep | HPE6-A45 practice questions | HP0-P25 mock exam | HP0-Y50 practice exam | HP0-M45 exam questions | HPE2-T35 Test Prep | HP2-B113 pass exam | HP5-Z01D exam Questions | HP0-022 test practice | HP5-H03D questions get |





References :


http://killexams-braindumps.blogspot.com/2020/06/memorize-to-read-hpe2-e65-pdf-questions.html
https://killexams-posting.dropmark.com/817438/23586718
https://www.instapaper.com/read/1319467338
https://killexams-posting.dropmark.com/817438/23758225
http://feeds.feedburner.com/KillexamscomHpe2-e65BrainDumpsWithRealQuestions
https://www.4shared.com/video/yt2gfa8Nea/HPE2-E65.html
https://www.4shared.com/office/HE793HJbea/Selling-HPE-Enterprise-Solutio.html
http://ge.tt/9chmU683
http://killexams.decksrusct.com/blog/certification-exam-dumps/hpe2-e65-selling-hpe-enterprise-solutions-2020-update-question-bank-by-killexams-com/
https://ello.co/killexamz/post/nqw4gsmotaewbvbqyltuja
https://www.clipsharelive.com/video/3433/hpe2-e65-selling-hpe-enterprise-solutions-dumps-with-real-questions-by-killexams-com
https://youtu.be/kGufivcxI7k
http://killexamstestprep.blogdigy.com/hpe2-e65-selling-hpe-enterprise-solutions-practice-test-with-real-question-by-killexams-com-11402482
http://killexamsbraindumps2.isblog.net/hpe2-e65-selling-hpe-enterprise-solutions-practice-test-with-real-question-by-killexams-com-14593277
https://justpaste.it/HPE2-E65
https://sites.google.com/view/killexams-hpe2-e65-test-prep
https://files.fm/f/tmdagdngu
https://spaces.hightail.com/space/v47qz1ixkg/files/fi-20fad457-dc0c-45f2-b532-8a646e5f2dcb/fv-8627a0e5-12c7-4151-8811-5d6d2ab1c15d/Selling-HPE-Enterprise-Solutions-(HPE2-E65).pdf#pageThumbnail-1



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






Direct Download

HPE2-E65 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.

HPE2-E65 Reviews

100% Valid and Up to Date HPE2-E65 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