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 HPE6-A72?

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HP HPE6-A72 : Aruba Certified Switching Associate exam Dumps

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Exam Number : HPE6-A72
Exam Name : Aruba Certified Switching Associate
Vendor Name : HP
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HPE6-A72 exam Format | HPE6-A72 Course Contents | HPE6-A72 Course Outline | HPE6-A72 exam Syllabus | HPE6-A72 exam Objectives


Test Detail:
The HP HPE6-A72 exam, "Aruba Certified Switching Associate (ACSA) V1," is designed for individuals who want to demonstrate their knowledge and skills in deploying and managing Aruba switching solutions. The exam assesses the candidate's understanding of ArubaOS-CX switches and their ability to implement basic configurations and troubleshoot common issues.

Course Outline:
The course for HPE6-A72 covers a range of Topics related to Aruba switching solutions. The following is a general outline of the key areas covered:

1. Introduction to Aruba Switching:
- Overview of Aruba switching architecture and product portfolio.
- Introduction to ArubaOS-CX and its key features.
- Understanding Aruba switching deployment models and design considerations.

2. Aruba Switching Fundamentals:
- ArubaOS-CX switch management and configuration.
- VLANs, trunking, and spanning tree protocols.
- Link aggregation and high availability configurations.

3. Layer 2 Switching:
- MAC address table and forwarding behavior.
- VLAN configuration and inter-VLAN routing.
- Quality of Service (QoS) for Layer 2 switching.

4. Layer 3 Routing:
- IP addressing and routing protocols.
- Static and dynamic routing configurations.
- Virtual Router Redundancy Protocol (VRRP) and IP multicast.

5. Network Security and Access Control:
- Access control and authentication methods.
- Port security and VLAN access control.
- Role-based access control and network segmentation.

6. Network Monitoring and Troubleshooting:
- Monitoring tools and techniques for Aruba switches.
- Troubleshooting common network issues.
- Firmware upgrades and switch maintenance.

Exam Objectives:
The HPE6-A72 exam assesses the candidate's proficiency in the following areas:

1. Aruba Switching Fundamentals:
- Knowledge of ArubaOS-CX switch management and configuration.
- Understanding of VLANs, trunking, and spanning tree protocols.
- Ability to configure link aggregation and high availability.

2. Layer 2 Switching:
- Understanding of MAC address table and forwarding behavior.
- Knowledge of VLAN configuration and inter-VLAN routing.
- Ability to implement QoS for Layer 2 switching.

3. Layer 3 Routing:
- Understanding of IP addressing and routing protocols.
- Ability to configure static and dynamic routing.
- Knowledge of VRRP and IP multicast.

4. Network Security and Access Control:
- Knowledge of access control and authentication methods.
- Ability to configure port security and VLAN access control.
- Understanding of role-based access control and network segmentation.

5. Network Monitoring and Troubleshooting:
- Familiarity with monitoring tools and techniques for Aruba switches.
- Ability to troubleshoot common network issues.
- Knowledge of firmware upgrades and switch maintenance.

Exam Syllabus:
The HPE6-A72 exam syllabus provides a detailed breakdown of the Topics covered in the exam. It may include specific knowledge areas, skills, and tasks that candidates are expected to demonstrate proficiency in. The syllabus may cover the following areas:

- Aruba switching architecture and product portfolio
- ArubaOS-CX switch management and configuration
- Layer 2 switching concepts and configurations
- Layer 3 routing protocols and configurations
- Network security and access control configurations
- Network monitoring and troubleshooting techniques



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Certification Frequently Asked Questions

1. How do I apply for a certification? There is no application form to fill out for CAP or CCST certification. Complete the following steps:
  • Commit to the ISA Code of Conduct.
  • Meet the education and work experience requirements for the specific certification for which you are applying.
  • Acknowledge that you are subject to a random application verification audit.
  • Agree to provide the supporting documents proving your qualifications if you are audited.
  • Pay the exam fee.
  • Upon paying the exam fee, the application process is complete, and you have acknowledged that you meet the requirements listed above in numbers 1–3.

    Your next steps are outlined as follows: Further details can be found at the links below: 2. What are the fees for certification? CCST exam Fees Exam Member Price Non-Member Price Certified Automation Professional® (CAP®) 373 USD 467 USD Certified Control System Technician® (CCST®) Level 1 331 USD 415 USD Certified Control System Technician (CCST) Specialist—Level 2 315 USD 397 USD Certified Control System Technician (CCST) Master—Level 3 331 USD 415 USD  

    If you have paid for or your company has arranged for you to take a CCST review course, the application fee is included in the course price. View list of available CCST review courses here.

    ISA accepts payment via check, certified check, money order, PayPal payment, wire transfer in US Dollars, or credit card. Purchase orders are not accepted. All application fees are non-refundable.

    3. How long is the exam, and how many questions are there?

    All ISA certification exams are closed book and have multiple-choice questions.  The CCST Specialist – Level 2 certification exam is three hours long, and all other certification exams are four hours long. Please see the information below for the number of questions in each exam.

    Exam Questions Certified Automation Professional® (CAP®) 175 Certified Control System Technician® (CCST®) Level 1 150 Certified Control System Technician (CCST) Specialist—Level 2 125 Certified Control System Technician (CCST) Master—Level 3 150    4. Where is my certification exam invitation?

    You will receive your exam invitation (Notice to Schedule Exam) email 15 days before your assigned exam window begins. View the application deadlines below.

    Exam Window Application Submission Deadline 2023 Window 3: 1 November 2023 – 31 October 2024 15 September 2023 2024 Window 1:1 March 2024 – 28 February 2025 15 January 2024 2024 Window 2:1 July 2024 – 30 June 2025 15 May 2024 2024 Window 3:1 November 2024 – 31 October 2025 15 September 2024  

    If you have attended any CCST review course, you will not be placed into an exam window. You will receive your exam invitation near the end of your review course and have a 12-month exam window in which to take the exam.

    If you have not received your exam invitation within the allotted time frame, please check your spam or junk folder for an email from candidatesupport@meazurelearning.com. If you still need help locating your exam invitation, please email certifications@isa.org for assistance. In certain instances, you may need to provide an alternate email address, as some server firewalls may block the receipt of the exam invitation email. 

    6. How do I schedule my certification exam? You will use the information in the exam invitation from candidatesupport@meazurelearning.com to schedule and take your exam with Meazure Learning (formerly Scantron) at a testing center or online. You have a 12-month exam window in which you can test and, if necessary, retest to pass your certification exam. Your start date is based on the date you complete your certification course. Please contact Meazure Learning’s customer support for all exam assistance (e.g., scheduling, missing confirmation, taking the exam, missing results, etc.) by emailing candidatesupport@meazurelearning.com or calling +1 919-572-6880. Further related details can be found on the exam procedures page:
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  • If you pass the exam, you will receive a digital badge from isa_badges@isa.org within one business day after passing the exam. If you have not received your digital badge within this time frame, please check your spam or junk folder for an email from isa_badges@isa.org. If you still need help locating your digital badge, please email certifications@isa.org for assistance. In certain instances, you may need to provide an alternate email address, as some server firewalls may block the receipt of the digital badge email.  9. How do I request a retest for a certification exam? If you arrived more than 15 minutes late, missed your scheduled exam, or did not pass your exam, you may request a retest as many times as needed within your 12-month exam window. Please note that each time you retest, you must pay a fee to ISA. Please email all retest requests to certifications@isa.org. The retest fee for both of the CCST and CAP certification programs is 164 USD for ISA members and 205 USD for non-members. Further related details can be found on the exam procedures page:
  • Scheduling a Retest or Missed exam (see #6)
  • No-Shows and Late Arrivals (see #8)
  •    10. How do I renew my certification? ISA’s recertification process requires no forms or supporting documents. By paying your recertification fee, you self-certify that you:
  • Agree to commit to the ISA Code of Conduct
  • Have accumulated the minimum number of Development Points (PDPs) over the last three (3) years, as related to your certification
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  • Please log into your ISA account, then access the “My Credentials” tab to view your credential status and/or pay your recertification fee. If you have issues logging into your ISA account or completing your payment process, please contact one of their customer service representatives at info@isa.org or +1 919-549-8411 for assistance. For additional information, visit the Recertification page.

    Recertification Fees   Member Price Non-Member Price Certified Automation Professional® (CAP ®) By PDPs (no exam) 270 USD 340 USD By Exam 336 USD 420 USD Certified Control System Technician® (CCST)(all levels) By PDPs (no exam) 210 USD 265 USD By Exam 300 USD 375 USD 12. How do I access my digital badge?

    You will receive your digital badge via email after passing an exam or renewing a certification or certificate. If you did not receive it, please look in your spam and junk folders for an email from isa_badges@isa.org. If you still need help locating your digital badge, please email certifications@isa.org for assistance.

    To access, manage, and/or share your secure digital badge, use your email address and password to enter your BadgeCert portfolio.

    If it is your first time accessing your portfolio or you have forgotten your password, click “Request new password?” on their login page to create your password. More information about using your digital badge can be found here.

    Please email certifications@isa.org for assistance if you have not received your digital badge within:

  • One business day after passing your exam
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  • 13. Additional Questions If you cannot find an answer to your questions on this page, please reach out to the certification team by emailing certifications@isa.org. Our business hours are Monday–Friday, 9:00 a.m. – 5:00 p.m. Eastern. Please allow one business day for us to respond to inquiries. Note, response times may be slightly delayed during periods of high-volume inquiries. In case of ISA-observed holidays, please be assured that a team member will reach out to assist you within one business day after normal business operations resume.

    Real Estate Careers and Their Designations

    Whether you are an entrepreneur or plan to work for an established company, the real estate industry offers a variety of career opportunities, including those dealing with residential sales and leasing, commercial properties, industrial properties, and farmland, as well as property management appraisal, and counseling.

    Here are 5 real estate career paths in the industry and their respective professional designations and certifications.

    Key Takeaways
  • Real estate professionals can work in different capacities, such as leasing consultants, commercial property agents, appraisers, and property managers.
  • Real estate can be a highly competitive field, and certifications and designations may help you stand out.
  • Different functions within the real estate industry offer professionals various designations and certifications.
  • For residential real estate, professionals can earn the Accredited Buyer's Representative (ABR) designation, awarded by the Real Estate Buyer's Agent Council (REBAC) of the National Association of REALTORS.
  • Real estate appraisers can earn the Residential Accredited Appraiser (RAA) and General Accredited Appraiser (GAA) designations, awarded by the National Association of REALTORS.
  • All About Real Estate Agents and What They Do Residential Real Estate

    Residential real estate agents help people throughout the process of buying and selling homes. In addition to showing homes to prospective buyers, agents help clients with property valuation, financing, mortgages, and government programs. Agents and brokers must be licensed in the state they practice as there is no national license. Each state has a licensing system and requirements that include some pre-licensing and state-specific licensing examinations.

    Designations and Certifications

    Accredited Buyer's Representative (ABR): Awarded by the Real Estate Buyer's Agent Council of the National Association of REALTORS (REBAC), the ABR designation is designed for real estate agents who focus on working directly with buyer-clients. Candidates must complete a two-day course and successfully pass an exam to achieve the ARB candidate status. Within the following three years, candidates fulfill experience and continuing education requirements before becoming an ABR Designee.

    Accredited Seller Representative (ASR): Awarded by the Accredited Seller Agency Council, the ASR designation is designed for real estate agents who focus on working directly with seller-clients. Candidates must complete a 12-hour course, pass an exam, show proof of five closed sides of transactions where the candidate represented sellers, provide three letters of recommendation from three of those sellers, and be members of the National Association of REALTORS. 

    Commercial Real Estate

    Commercial agents and brokers specialize in income-producing properties, such as retail stores, shopping centers, office buildings, industrial parks, and apartment complexes. Commercial real estate professionals help clients evaluate a property's income potential and offer guidance regarding local zoning and tax laws. Some states require a specialized license for commercial transactions, while others cover residential and commercial transactions under the same license.

    Designations and Certifications

    Certified Commercial Investment Member (CCIM): The CCIM designation is awarded by the CCIM Institute, an affiliate of the National Association of REALTORS. CCIM candidates must complete a curriculum that includes ethics, interest-based negotiation, financial analysis, market analysis, user decision analysis, and investment analysis for commercial investment real estate. Also, candidates must submit a portfolio that demonstrates their commercial real estate experience and complete an examination.

    Certified Commercial Real Estate Advisor (CCREA): The CCREA designation is awarded by the National Association of Commercial Real Estate Professionals. CCREA candidates must complete a curriculum that includes multifamily asset-class analysis, cash flow, equity projection and analysis, loan analysis and procurement, commercial foreclosure and short sale strategies, financial analysis, and negotiation. The CCREA designation is awarded to candidates who complete a comprehensive three-day live course and examination. 

    If you are interested in the real estate industry, learn what types of licenses your state requires for you to work in the field. Most jobs from agent to property manager require a state-issued license to operate legally.

    Property Management

    Property managers maintain properties that produce financial returns for the property owners and are responsible for maintaining and managing the property, including budgeting and leasing. Residential property management involves apartment buildings, condominiums, and vacation rentals.

    Commercial property management entails properties such as office buildings and shopping centers. Property managers often work for real estate firms. Most states require a real estate license for property managers who collect rent, list properties, or negotiate leases.

    Those interested in learning more about the different types of property management may want to consider enrolling in one of the best property management courses currently available.

    Designations and Certifications

    Certified Property Manager (CPM): The CPM designation is awarded by the Institute of Real Estate Management (IREM). A CPM candidate must hold an active real estate license (where required), be a member of IREM, complete seven required courses (or equivalent education/experience), pass the CPM certification exam, and complete the IREM ethics education. In addition, they must submit three letters of recommendation, have three years of qualifying real estate management experience and be affiliated with the National Association of REALTORS.

    Accredited Residential Manager (ARM): The ARM certification is awarded by IREM. ARM candidates must complete a week-long course or complete four individual courses (or hold a CPM, CAM, CRM, or RAM designation or have qualifying education or experience), pass the ARM certification exam, complete IREM ethics education, and have one year of qualifying residential real estate management experience.

    Real Estate Appraisal

    Real estate appraisers determine the value of properties to help people and businesses find the assessed value for tax purposes, investment value, present value for potential investors, book value for accounting purposes, rental value, and insurable value. Appraisers must know acceptable appraisal principles, have practical experience, and some knowledge of mathematics, accounting, and economics.

    Often, appraisers work for banks or appraiser firms. Appraisers must be licensed by the state in which they work. You must first become an appraiser trainee by completing state-specified coursework. With additional coursework and experience, you can go on to become a licensed residential appraiser, a certified residential appraiser, and a certified general appraiser.

    Designations and Certifications

    Residential Accredited Appraiser (RAA) and General Accredited Appraiser (GAA): The RAA and GAA designations are awarded by the National Association of REALTORS. Candidates must be active members of the National Association of REALTORS, obtain state certification, have a minimum of 1,000 hours of experience (in addition to state requirements), and take tested coursework (45 hours for the RAA or 60 hours for the GAA).

    MAI: The MAI designation is awarded by the Appraisal Institute to appraisers who are experienced in the evaluation and valuation of commercial, industrial, and residential property and who counsel clients on real estate investments.

    MAIs must hold an undergraduate degree from a four-year accredited institution, complete 400 hours of classroom instruction, pass a series of examinations, successfully take the General Comprehensive exam (a two-day, four-part exam), and show evidence of 4,500 hours of specialized experience over at least three years.

    Real Estate Counseling

    Real estate counselors advise on property issues and help investors decide how to select properties that are likely to appreciate. Rather than selling real estate, counselors focus on each client's unique needs to offer solutions that address those needs. Counselors (also called real estate advisors) must know many facets of the real estate business. Often, real estate counselors have a background in real estate valuation, development, investing, or property management.

    Designations and Certifications

    Counselor Real Estate (CRE): The CRE designation is awarded by the Counselors of Real Estate and is available only to individuals who have been invited by their peers into membership. Through the CRE Invitation Process, candidates must show evidence of at least 10 years of real estate experience (three of which must be in counseling). In addition, they must demonstrate that they are recognized by clients and peers for their professional knowledge, integrity, and judgment.

    They must also have attained REALTOR designations such as CCIM, CPM, GRI, and SIOR and hold advanced degrees in business and related fields.

    What Are Real Estate Certifications?

    Real estate certifications prove your proficiency, knowledge, and skillset as a real estate professional. Certifications allow you to work in various real estate markets and illustrate your expertise in your particular field to potential clients.

    How Much Does It Cost to Get a Real Estate Designation?

    The cost of a real estate license varies depending on the state you live in, and other designations and certifications may run hundreds of dollars. Still, the price will depend on the type of certification. It may be possible to go to community colleges to get your real estate career underway, and that could cost anywhere from $600 to $5000 or more, depending on the school.

    Can You Get Real Estate Training and Certification Online?

    You can earn your real estate certifications online, along with necessary real estate training. However, it is worth noting that some in-person training may be necessary to complete some certifications, depending on the program.

    How Much Do Certified Real Estate Professionals Make?

    Professionals in the real estate industry earn a variety of salaries based on their job. For example, a real estate counselor's average base pay is $68,997. The average salary for a real estate appraiser is approximately $57,606, but overall salaries depend on the levels of certification.

    Depending on where they work, certified residential real estate agents can make upwards of $91,640 a year, according to Indeed.com. However, since agents work on commissions of sales, salaries can fluctuate wildly depending on numerous factors.

    What Certifications Do Real Estate Lawyers Need?

    Real estate lawyers must (obviously) have their law degree and passed the bar exam. Real estate lawyers may need special training in the area of real estate law, and most law schools offer master of laws (LLM) in real estate degrees, plus certificates in real estate.

    The Bottom Line

    The real estate industry is robust, with numerous career opportunities. This article names only a few of the many career paths currently available. Other real estate career opportunities include:

  • Construction
  • Farm and land brokerage
  • Investment
  • Land development
  • Research
  • Urban planning 
  • Real estate designations and certifications can help you increase your skills, proficiency, knowledge, and, ultimately, your marketability as a real estate professional. In addition to those listed here, there are dozens of other designations and certifications to show your experience and expertise in the various real estate sectors.


     


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    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