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-E69?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der HPE2-E69: Selling HPE Hybrid IT- Intelligent Edge- and Services Prüfung.

2022 Updated Actual HPE2-E69 questions as experienced in Test Center

Laden Sie HPE2-E69 Übungstest und aktuelle Fragen herunter - easy finanz | easyfinanz

Selling HPE Hybrid IT, Intelligent Edge, and Services braindump questions with Latest HPE2-E69 practice tests | https://www.easyfinanz.cc/

HP HPE2-E69 : Selling HPE Hybrid IT, Intelligent test Dumps

Exam Dumps Organized by Lee



Latest 2022 Updated Syllabus
HPE2-E69 test Dumps | Latest Braindumps with real Questions

Real Questions from Latest Topics of HPE2-E69 - Updated Daily - 100% Pass Guarantee



HPE2-E69 demo Questions : Download 100% Free HPE2-E69 test Dumps (PDF and VCE)

Exam Number : HPE2-E69
Exam Name : Selling HPE Hybrid IT, Intelligent Edge, and Services
Vendor Name : HP
Update : Click Here to Check Latest Update
Question Bank : Check Questions

Preview HPE2-E69 Study Guide which are taken from real test
This really is more than six years that may killexams.com delivering good, Latest as well as 2022 up to date test questions and remedies. They have a huge database associated with HPE2-E69 Exam Braindumps queries that is often up to time and skills in order to provide particular clients. get completely free HPE2-E69 Exam Cram to assess as well as sign upwards for complete HPE2-E69 Exam Cram.

When you are really concerned with the HPE2-E69 test puts. You should just simply get HPE2-E69 cheat sheet coming from killexams.com. It will save from large amount of problems. Much more your concept about HPE2-E69 destinations beautifully clear besides making you in order to confront the original HPE2-E69 test out. Make your very own notes. You will find that a few questions will look particularly simple to answer, however when you may attempt at VCE test process, you will see that you actually answer these wrong. This can be on the grounds that, these are useful inquiries. HP experts create such questions that search extremely very simple however there is certainly part of processes inside the query. They assist you comprehend these questions with all the assistance of your HPE2-E69 issues and acknowledgement. Their VCE test process will assist you actually with keeping in mind and awareness parcels associated with such questions. At the stage when you may answer these HPE2-E69 PDF Download over and over, your opinions will be eliminated and you will not necessarily befuddle any time HP modify those questions to make distinct strategies. This is actually the manner in which they guide applicants having breezing by means of their test out at first project by actually helping upward their awareness about HPE2-E69 targets.

Popular features of Killexams HPE2-E69 PDF Download
-> Instantaneous HPE2-E69 PDF Download get Accessibility
-> Comprehensive HPE2-E69 Questions along with Answers
-> 98% Success Charge of HPE2-E69 test
-> Certain real HPE2-E69 test issues
-> HPE2-E69 Inquiries Updated about Regular time frame.
-> Valid along with 2022 Up-to-date HPE2-E69 test Dumps
-> totally Portable HPE2-E69 test Documents
-> Full showcased HPE2-E69 VCE test Sim
-> No Reduce on HPE2-E69 test Down load Access
-> Fantastic Discount Coupons
-> totally Secured Down load Account
-> totally Confidentiality Made sure
-> 100% Achievements certain
-> totally Free Questions and Answers demo Inquiries
-> No Disguised . Cost
-> Absolutely no Monthly Rates
-> No Automated Account Reconstruction
-> HPE2-E69 test Update Excitation by E mail
-> Free Tech support team

Lower price Coupon about Full HPE2-E69 PDF Download Practice Questions;
WC2020: 60% Ripped Discount to each test
PROF17: 10% More Discount about Value More than $69
DEAL17: 15% More Discount about Value More than $99







HPE2-E69 test Format | HPE2-E69 Course Contents | HPE2-E69 Course Outline | HPE2-E69 test Syllabus | HPE2-E69 test Objectives


Exam ID : HPE2-E69
Exam Title : Selling HPE Hybrid IT, Intelligent Edge, and Services
Exam type : Web based
Exam uration : 1 hour 30 minutes
Exam length : 60 questions
Passing score : 70%
Delivery languages : Brazilian Portuguese, English, Japanese, Korean, Latin American Spanish, Russian, French, German

Exam Contents
This test has 60 questions. Here are types of questions to expect:
- Multiple choice (multiple responses)
- Multiple choice (single response)

Exam Description
This test tests your ability to identify potential HPE customers and then validate and qualify opportunities to sell HPE Hybrid IT and Intelligent Edge solutions and services. It will test your ability to be conversant in the language of hybrid IT and intelligent edge and the critical role IT must play in making a business successful.

Exam Outline | Outline
20% Know the Customer
- Discuss with customersthe Internet of Things(IoT), app and data, and hybrid IT trendsthat are driving the customers purchasing decisions
- Evaluate how customers are changing their IT consumption modelsto keep up with these trends and achieve their desired business outcomes
- Evaluate how customers are changing the way they pay for IT servicesto achieve their desired business outcomes
- Use the Business Value Framework to gather the information needed to have productive businessconversations
- Determine how the Business Value Framework helps you understand customers businessrequirements
40% Qualify and Validate the Customer Map customercharacteristics and desired business outcomesto opportunitiesfor selling
- HPE Intelligent Edge and Hybrid IT solutions
- Demonstrate your ability to engage key decision-makers and discussthe types of issuescustomersface when implementing Intelligent
- Edge solutions
- Demonstrate that you can guide IT businessconversationsto qualify and validate HPE Intelligent Edge opportunities
- Demonstrate your ability to engage key decision-makers and discussthe types of issuescustomersface when implementing Hybrid IT solutions
- Demonstrate that you can guide IT businessconversationsto qualify and validate HPE Hybrid IT opportunities
40% Know HPE Competitive Advantages(40%)
- Explain how HPEsstrategy is designed to help customers achieve their desired business outcomes
- Explain why HPE is uniquely positioned to provide the Intelligent Edge and Hybrid IT solutions yourcustomers need
- Determine the advantages HPE Financial Services and HPE Pointnext offer you as an HPE Partner
- Determine HPEscompetitive advantagesin Intelligent Edge
- Identify and overcome barriers and objections by recognizing Hewlett Packard Enterprises key differentiatorsin Intelligent Edge
- Determine HPEscompetitive advantagesin Hybrid IT
- Identify and overcome barriers and objections by recognizing Hewlett Packard Enterprises key differentiatorsin Hybrid IT



Killexams Review | Reputation | Testimonials | Feedback


I obtained a very good source of HPE2-E69 material.
Yes, very beneficial and I was capable of score 87% in the HPE2-E69 test with 5 days of coaching. particularly the facility of downloading as PDF documents for your package gave me an amazing room for effective practice coupled with online tests - no constrained tries limit. answers given to each question by way of you are a hundred% accurate. thanks, loads.


Did you tried this great source of Latest dumps.
killexams.com from helped me get my HPE2-E69 companion affirmation. Their material is in reality beneficial, and the test simulator is sincerely superb, it completely reproduces the exam. Topics are pass very without problems the usage of the killexams.com test material. The test itself was unpredictable, so I am blissful I appliedkillexams.com questions and answers. Their packs spread all that I need, and that I will not get any unsavory shocks amid your exam. Thanx men.


Tips & tricks to certify HPE2-E69 test with high scores.
It clarified the subjects in a rearranged way. In the authentic exam, I scored an 81% without much hassle, finishing the HPE2-E69 test in75 minutes I additionally read an incredible deal of captivating books and it served to pass well. My success inside the test become the determination of the killexams.com dumps. I must without an awful lot of a stretch provide up its decently prepared material inner 2 weeks. Lots obliged to you.


I saw all HPE2-E69 Questions in dumps that I saw in real exam.
I passed the HPE2-E69 exam. It changed into the first time I used killexams.com for my education, so I did not realize what to anticipate. So, I was given a nice marvel as killexams.com has provided me real and valid HPE2-E69 dumps with practice tests. The test simulator/exercise tests work high-quality, and the questions are valid. With the help of valid, I suggest that they are real test questions and that I was given lots of them on my real exam. Very reliable, and that I was left with terrific impressions. I will not hesitate to recommend killexams.com to my colleagues.


It is really enjoyable to have HPE2-E69 real test questions.
genuine brain dumps, the entirety you get there is completely reliable. I heard the right reviews on killexams, so I purchased this to prepare for my HPE2-E69 exam. everything is as desirable as they promise, exact nice, smooth practice exam. I passed HPE2-E69 with 96%.


HP and PDF Download



While it is hard job to pick solid certification questions/answers regarding review, reputation and validity since individuals get sham because of picking incorrec service. Killexams.com ensure to serve its customers best to its efforts as for test dumps update and validity. Most of other's post false reports with objections about us for the brain dumps bout their customers pass their exams cheerfully and effortlessly. They never bargain on their review, reputation and quality because killexams review, killexams reputation and killexams customer certainty is imperative to us. Extraordinarily they deal with false killexams.com review, killexams.com reputation, killexams.com scam reports. killexams.com trust, killexams.com validity, killexams.com report and killexams.com that are posted by genuine customers is helpful to others. If you see any false report posted by their opponents with the name killexams scam report on web, killexams.com score reports, killexams.com reviews, killexams.com protestation or something like this, simply remember there are constantly terrible individuals harming reputation of good administrations because of their advantages. Most clients that pass their exams utilizing killexams.com brain dumps, killexams PDF questions, killexams practice questions, killexams test VCE simulator. Visit their example questions and test brain dumps, their test simulator and you will realize that killexams.com is the best test dumps site.

Is Killexams.com Legit?
You bet, Killexams is 100 percent legit and fully efficient. There are several options that makes killexams.com realistic and reliable. It provides up-to-date and 100 percent valid test dumps containing real exams questions and answers. Price is suprisingly low as compared to the majority of the services on internet. The Questions Answers are up-to-date on ordinary basis utilizing most exact brain dumps. Killexams account set up and products delivery is rather fast. Document downloading is unlimited and fast. Guidance is avaiable via Livechat and Email address. These are the features that makes killexams.com a sturdy website that provide test dumps with real exams questions.



Which is the best braindumps site of 2022?
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 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 test Questions Answers with the same frequency as they are updated in Real Test. test dumps provided by killexams.com are Reliable, Up-to-date and validated by Certified Professionals. They maintain question bank 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 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 test Dumps files as many times as you want, There is no limit.

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




CIMAPRA17-BA1-1-ENG test papers | NLN-PAX free pdf | 5V0-62.19 demo questions | JN0-212 braindump questions | C1000-003 get | 2V0-21.20 mock test | CFA-Level-II test answers | 1Z0-931 brain dumps | HPE2-T35 online test | DES-1423 questions get | Okta-Certified-Pro boot camp | 500-440 free prep | CCAK test questions | C2010-555 practice questions | Scrum-Master-Certified test Questions | 1Z0-133 cheat sheets | 8010 study questions | H12-311 braindumps | MS-600 test test | PAM-DEF test results |


HPE2-E69 - Selling HPE Hybrid IT, Intelligent Edge, and Services test Cram
HPE2-E69 - Selling HPE Hybrid IT, Intelligent Edge, and Services PDF Questions
HPE2-E69 - Selling HPE Hybrid IT, Intelligent Edge, and Services learn
HPE2-E69 - Selling HPE Hybrid IT, Intelligent Edge, and Services boot camp
HPE2-E69 - Selling HPE Hybrid IT, Intelligent Edge, and Services Question Bank
HPE2-E69 - Selling HPE Hybrid IT, Intelligent Edge, and Services tricks
HPE2-E69 - Selling HPE Hybrid IT, Intelligent Edge, and Services guide
HPE2-E69 - Selling HPE Hybrid IT, Intelligent Edge, and Services outline
HPE2-E69 - Selling HPE Hybrid IT, Intelligent Edge, and Services test
HPE2-E69 - Selling HPE Hybrid IT, Intelligent Edge, and Services test Questions
HPE2-E69 - Selling HPE Hybrid IT, Intelligent Edge, and Services learn
HPE2-E69 - Selling HPE Hybrid IT, Intelligent Edge, and Services teaching
HPE2-E69 - Selling HPE Hybrid IT, Intelligent Edge, and Services education
HPE2-E69 - Selling HPE Hybrid IT, Intelligent Edge, and Services braindumps
HPE2-E69 - Selling HPE Hybrid IT, Intelligent Edge, and Services Real test Questions
HPE2-E69 - Selling HPE Hybrid IT, Intelligent Edge, and Services Test Prep
HPE2-E69 - Selling HPE Hybrid IT, Intelligent Edge, and Services Latest Questions
HPE2-E69 - Selling HPE Hybrid IT, Intelligent Edge, and Services teaching
HPE2-E69 - Selling HPE Hybrid IT, Intelligent Edge, and Services learn
HPE2-E69 - Selling HPE Hybrid IT, Intelligent Edge, and Services Latest Topics
HPE2-E69 - Selling HPE Hybrid IT, Intelligent Edge, and Services Cheatsheet
HPE2-E69 - Selling HPE Hybrid IT, Intelligent Edge, and Services teaching
HPE2-E69 - Selling HPE Hybrid IT, Intelligent Edge, and Services tricks
HPE2-E69 - Selling HPE Hybrid IT, Intelligent Edge, and Services testing
HPE2-E69 - Selling HPE Hybrid IT, Intelligent Edge, and Services exam
HPE2-E69 - Selling HPE Hybrid IT, Intelligent Edge, and Services test dumps
HPE2-E69 - Selling HPE Hybrid IT, Intelligent Edge, and Services information search
HPE2-E69 - Selling HPE Hybrid IT, Intelligent Edge, and Services PDF Download
HPE2-E69 - Selling HPE Hybrid IT, Intelligent Edge, and Services boot camp
HPE2-E69 - Selling HPE Hybrid IT, Intelligent Edge, and Services Cheatsheet
HPE2-E69 - Selling HPE Hybrid IT, Intelligent Edge, and Services dumps
HPE2-E69 - Selling HPE Hybrid IT, Intelligent Edge, and Services Practice Test
HPE2-E69 - Selling HPE Hybrid IT, Intelligent Edge, and Services real Questions
HPE2-E69 - Selling HPE Hybrid IT, Intelligent Edge, and Services information source
HPE2-E69 - Selling HPE Hybrid IT, Intelligent Edge, and Services test prep
HPE2-E69 - Selling HPE Hybrid IT, Intelligent Edge, and Services information search
HPE2-E69 - Selling HPE Hybrid IT, Intelligent Edge, and Services real questions
HPE2-E69 - Selling HPE Hybrid IT, Intelligent Edge, and Services test format
HPE2-E69 - Selling HPE Hybrid IT, Intelligent Edge, and Services boot camp
HPE2-E69 - Selling HPE Hybrid IT, Intelligent Edge, and Services real Questions
HPE2-E69 - Selling HPE Hybrid IT, Intelligent Edge, and Services cheat sheet
HPE2-E69 - Selling HPE Hybrid IT, Intelligent Edge, and Services information search
HPE2-E69 - Selling HPE Hybrid IT, Intelligent Edge, and Services Dumps
HPE2-E69 - Selling HPE Hybrid IT, Intelligent Edge, and Services Test Prep
HPE2-E69 - Selling HPE Hybrid IT, Intelligent Edge, and Services dumps
HPE2-E69 - Selling HPE Hybrid IT, Intelligent Edge, and Services study help
HPE2-E69 - Selling HPE Hybrid IT, Intelligent Edge, and Services outline
HPE2-E69 - Selling HPE Hybrid IT, Intelligent Edge, and Services book
HPE2-E69 - Selling HPE Hybrid IT, Intelligent Edge, and Services test Questions
HPE2-E69 - Selling HPE Hybrid IT, Intelligent Edge, and Services PDF Dumps
HPE2-E69 - Selling HPE Hybrid IT, Intelligent Edge, and Services Free PDF
HPE2-E69 - Selling HPE Hybrid IT, Intelligent Edge, and Services techniques
HPE2-E69 - Selling HPE Hybrid IT, Intelligent Edge, and Services study help


HPE2-W07 english test questions | HPE6-A73 test prep |


Best Certification test Dumps You Ever Experienced


HPE6-A07 Questions Answers | HP0-S45 test questions | HP2-H40 VCE test | HPE2-Z38 PDF Dumps | HP2-H65 free pdf | HP0-S35 test preparation | HP2-Z28 test practice | HPE6-A48 online test | HP0-780 cram | HP0-M40 VCE test | HP2-T29 certification demo | HP2-H17 VCE test | HP2-W100 test Cram | HP2-B120 braindumps | HP3-C40 braindump questions | HP2-H30 test dumps | HP5-B04D pass test | HPE0-S54 practice questions | HP2-B105 free practice tests | HP0-Y37 study questions |





References :


http://killexams-braindumps.blogspot.com/2020/06/shortest-course-for-hpe2-e69-exam-in.html
https://killexams-posting.dropmark.com/817438/23650339
https://www.instapaper.com/read/1319804109
http://ge.tt/5PQLlR53
http://killexams.decksrusct.com/blog/certification-exam-dumps/hpe2-e69-selling-hpe-hybrid-it-intelligent-edge-and-services-question-bank-with-real-questions/
https://www.coursehero.com/file/67490991/Selling-HPE-Hybrid-IT-Intelligent-Edge-and-Services-HPE2-E69pdf/
https://www.4shared.com/video/5Hvv1TR-ea/Selling-HPE-Hybrid-IT-Intellig.html
https://ello.co/killexamz/post/hytcdutvkscmpvej1sqxvw
https://files.fm/f/49hzm8wh6
https://youtu.be/A2HbWk-eYwQ
https://sites.google.com/view/killexams-hpe2-e69-kw45
https://justpaste.it/HPE2-E69
http://feeds.feedburner.com/DownloadFreeHpe2-e69DumpsQuestionsAndAnswers
https://spaces.hightail.com/space/v47qz1ixkg/files/fi-ef81cb3e-c425-4337-ba1b-bbf46ad9f794/fv-0b4c94a2-438a-4071-969e-cee9b32fdbc5/Selling-HPE-Hybrid-IT-Intelligent-Edge-and-Services-(HPE2-E69).pdf#pageThumbnail-1



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






Direct Download

HPE2-E69 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-E69 Reviews

100% Valid and Up to Date HPE2-E69 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