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.

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HP HPE6-A73 : Aruba Certified Switching Professional exam Dumps

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Exam Number : HPE6-A73
Exam Name : Aruba Certified Switching Professional
Vendor Name : HP
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HPE6-A73 exam Format | HPE6-A73 Course Contents | HPE6-A73 Course Outline | HPE6-A73 exam Syllabus | HPE6-A73 exam Objectives


Exam ID: HPE6-A73

Exam Name: Aruba Certified Switching Professional

Exam type: Proctored

Exam duration: 1 hour 30 minutes

Exam length: 60 questions

Passing score: 71%



This exam tests the skills necessary to implement and operate enterprise-level Aruba campus switching solutions. It tests skills of configuring and managing modern, open standards-based networking solutions using ArubaOS-CX routing and switching technologies in medium to large enterprise network solutions.



- securing port access with Aruba's dynamic segmentation;

- implementing redundancy technologies such as Multiple Spanning Tree Protocol (MSTP);

- link aggregation techniques including Link Aggregation Protocol (LACP);

- switch virtualization with Aruba's Virtual Switching Extension (VSX) and Aruba's Virtual Switching Framework (VSF);

- layer 3 routing protocols including OSPF, BGP, IP multicast, and more.



Questions cover the following Topics:

- Plan the wired network solution.

- Given a scenario with a design and/or customer requirements, determine an appropriate implementation plan.

- Install and configure the wired network solution.

- Install and Configure NetEdit

- Given an implementation plan, explain how to physically configure the switches.

- Given the implementation plan, explain how to configure Layer 2 technologies.

- Given an implementation plan, explain how to configure and validate Layer 3 interfaces, services, routing protocols and overlays.

- Explain multicast features and configuration concepts.

- Explain Aruba Switch security features and configuration concepts.

- Explain QoS Aruba Switch features and configuration concepts.

- Explain Aruba solutions integration and configuration concepts.

- Troubleshoot the wired network solution.

- Given a scenario, identify a network failure (IP mismatch, VLAN mismatch, hardware configuration or failure, port configuration).

- Given an action plan to remediate an issue, determine the implications to the network state.

- Given a scenario, determine the cause of the performance problem (QoS issue, Configuration issue HW and Software, end node).

- Manage, maintain, optimize, and monitor the wired network solution.

- Given a scenario, determine a strategy to implement configuration management (maintenance, auditing, backup, archiving).

- Analyze data that represents the operational state of a network and determine the appropriate action.



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Prepare for the CFMP Exam

Domains

The CFMP advisory board has determined that a competent bank marketing professional's expertise includes the following domains:

  • Data, Research, and Measurement
  • Strategy
  • Revenue Generation
  • Communication and Brand
  • Risk Management 
  • Please review the CFMP exam Outline and Informational Webinar for additional details.

    Study Resources

    While ABA recommends these resources as appropriate examination preparation, ABA does not certain that you will pass the exam by studying these materials alone. The CFMP exam assesses not only your knowledge of the subjects on the exam outline, but also your application of that knowledge. You should refer frequently to the CFMP exam Outline when preparing for the exam.

    IMPORTANT NOTICE: The only legitimate resource for ABA’s certifications, including reference materials, are available on www.aba.com. Any other resources or guides related to ABA’s certification programs offered for sale on third party platforms such as Amazon and eBay is not authorized by the ABA and such purchases are at the buyer’s risk. While it is not illegal for publishers to write separate resources to potential customers, it can be difficult to determine the legitimacy of offers from these organizations, especially if they contain unauthorized uses of ABA’s federally protected logo. If you do not make your purchase with ABA directly, they will not be able to assist you in any capacity. Please contact ABA Customer Service at 1-800-BANKERS to be directed to a legitimate resource.

  • Certificate
  • School
  • Exam Prep
  • Exam Application
  • Conference
  • Certificate

    Foundational Certificate in Bank Marketing

    Signifies knowledge of marketing’s role in a financial institution and within the banking industry as a whole. This is achieved through learning to develop comprehensive strategic marketing plans, leveraging social media for bank branding and more.

    Earn the Certificate

    School

    Bank Marketing School

    Designed to help students think more strategically in their marketing endeavors, and better align their campaigns with corporate goals. School alumni will become invaluable leaders in their banks.

    Attend the School

    Exam Prep

    CFMP exam Online Prep

    An interactive, user-friendly online course that allows students to study at their own pace, with access to resources and practice exams modeled after an actual exam.

    Take the Course

    Exam Application

    Exam Application

    When you're ready to apply, double check the eligibility requirements, select your exam date, and submit your application.

    Check Your Eligibility

    Conference

    ABA Bank Marketing Conference

    Everything you need to fine-tune your marketing and leadership skills – powerful content, smart strategies, expert guidance and more – all while earning valuable CFMP CE credits.

    Keep Me Informed

    Why Earn Your CFMP?

    Hear from John Oxford about the benefits of earning the CFMP designation.

    View Video Exam Format, Scoring and Reporting
  • 150 multiple-choice questions (see trial questions)
  • Maximum 3 hour timeframe allowed
  • Calculators will be provided
  • Instant "Pass/Fail" outcome provided for most computer based exams at test sites. Occasionally, instant outcomes are not provided while statistical analysis is conducted.
  • Official score reports delivered via email within 6 weeks after the close of the exam window
  • For full details, read the Certification exam FAQs
  • Exam Misconduct

    All persons taking one of ABA Professional Certifications' examinations are expected to abide by all rules and regulations governing the examination before, during and after the examination. Possession of copies of any current or previous examination given by ABA Professional Certifications is not authorized and is a violation of the rules governing certification exams. Persons taking an ABA Professional Certifications examination are not permitted to take notes about the examination.

    Any person found to have violated any of the rules governing ABA Professional Certifications exams, or to have conducted themselves in a dishonest or unethical manner with respect to the taking of an ABA Professional Certifications exam is subject to sanctions determined to be appropriate by ABA Professional Certifications, in its sole discretion, including, but not limited to: denial of certification; denial of the right to take any or all ABA Professional Certifications examinations. Answer sheets provided at paper/pencil testing sites determined, before grading, to have been completed by a person who has violated ABA Professional Certifications examination rules will not be graded. They reserve the right to pursue any and all remedies available to it, including legal remedies, with respect to any violation of its examination rules against anyone who violated ABA Professional Certifications examination rules or aided another in violating these rules.

    Any person found to have violated any of the rules governing ABA Professional Certifications exams, or to have conducted themselves in a dishonest or unethical manner with respect to the taking of an ABA Professional Certifications exam is subject to sanctions determined to be appropriate by ABA Professional Certifications, in its sole discretion, including, but not limited to: denial of certification; denial of the right to take any or all ABA Professional Certifications examinations. Answer sheets provided at paper/pencil testing sites determined, before grading, to have been completed by a person who has violated ABA Professional Certifications examination rules will not be graded. They reserve the right to pursue any and all remedies available to it, including legal remedies, with respect to any violation of its examination rules against anyone who violated ABA Professional Certifications examination rules or aided another in violating these rules.

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    How To Pass The ASWB exam To Become A Licensed Social Worker

    Editorial Note: They earn a commission from partner links on Forbes Advisor. Commissions do not affect their editors' opinions or evaluations.

    Social work licensing practices vary widely by state. Some states require entry-level and generalist social workers to pass an exam and earn licensure. In other states, you only need a license to become a licensed clinical social worker (LCSW) and provide psychotherapy services.

    In many states, social work licensure at any level requires you to pass an exam administered by the Association of Social Work Boards (ASWB). The ASWB exam is a nationally recognized exam that evaluates your comprehension of human behavior and development.

    If you’re a social work major or considering pivoting into the human services field, read on to discover how to prepare for, take and pass the ASWB licensure exam—with or without a social work degree.

    What Is the ASWB Exam?

    ASWB is a nonprofit organization comprising all of the state social work regulatory boards in the United States and Canada. This body regulates the social work profession and administers the licensure exam that evaluates prospective social workers’ ethics and expertise. Passing the ASWB exam is the final step to earning a social work license in many states.

    ASWB offers five exam categories—associate, bachelor’s, master’s, advanced generalist and clinical—each tailored to a specific education and experience level. A candidate’s exam category determines their title and scope of practice post-licensure.

    Within a four-hour window, ASWB exam-takers must answer questions concerning:

  • Human development, diversity and behavior in the environment
  • Assessment (of clients’ physical and mental status)
  • Interventions with clients
  • Professional relationships, values and ethics
  • ASWB exam Categories

    All ASWB exam categories contain 170 questions on human development and behavior, but question types may vary among categories. For example, the associate and bachelor’s exams lean more heavily on recall questions than other exam categories, which feature larger proportions of reasoning questions.

    Each exam category may lead to a different level of social work licensure depending on your state’s licensing processes. Not all states offer all five categories of the ASWB exam.

    Associate

    This category offers a licensure pathway for applicants who want to practice social work without earning a four-year degree in the field. In most cases, associate-level social workers can only practice under supervision.

    A handful of states offer this licensing pathway: South Dakota, Michigan, Ohio, New Hampshire and Massachusetts. Only South Dakota, New Hampshire and Massachusetts require associate-level social workers to pass the associate ASWB exam.

    Registration for the associate ASWB exam category costs $230.

    Bachelor’s

    The ASWB bachelor’s exam, which also costs $230, evaluates your generalist understanding of social work practices and ethics. You must hold a bachelor’s degree in social work from an accredited college to sit for this exam category.

    The bachelor’s category features the same questions as the associate category.

    Passing the bachelor’s exam qualifies you to become a non-clinical baccalaureate social worker. Exact titles vary among states; in Oregon, these professionals are called registered baccalaureate social workers, while North Carolina calls them certified social workers.

    In most cases, social workers at this level interview clients, manage cases, conduct research and advocate for social justice. Depending on the state, they may only be able to practice autonomously after gaining supervised work experience post-licensure.

    Master’s

    The ASWB master’s category requires a master of social work (MSW) and usually qualifies applicants for the licensed master social worker (LMSW) credential. Again, the exact title may vary by state—Indiana calls these professionals licensed social workers, for example.

    The master’s-level exam tests your foundational understanding of the social work field and evaluates your application of specialized skills gained during their MSW program. Licensees know how to apply advanced practice skills and specialized knowledge in their roles.

    LMSWs can drive social change and justice for various communities. In some states, they can provide clinical therapy with oversight from an LCSW. The registration fee for this ASWB exam category is $230.

    Advanced Generalist:

    The advanced generalist category is tailored to prospective LMSWs who aspire to work in macro-level roles. This means working with large populations, such as entire states and countries. The advanced generalist ASWB exam indicates a desire to work with public policy, state or national campaigns, or other government initiatives.

    To sit for the advanced generalist ASWB exam, you must hold a master’s degree in social work plus two years of nonclinical professional experience.

    With a fee of $260, test takers can prove their expertise in social justice, public policy and administration, and public welfare to their state licensing boards.

    Clinical

    The minimum requirements for this ASWB category include an MSW and two years of clinical experience. The clinical ASWB test serves prospective social workers who want to provide mental health services in clinical settings.

    LCSWs (who may work under different titles, depending on where they practice) provide psychotherapy services to prevent, diagnose and treat mental illnesses. Through individual or group therapy, these professionals help people struggling with emotional distress.

    Clinical social workers practice independently in various settings, including hospitals, schools, psychiatric facilities and social service agencies. Registering for the clinical ASWB exam category costs $260.

    Signing Up for the ASWB Exam Apply for a State License

    First, you must get your state board’s approval to register for the ASWB exam. Approval processes differ depending on the state where you want to practice.

    Typical requirements vary by state and license level but may include college transcripts, a license application fee and proof of supervised experience, which you can send to the board via email or fax. Some states may also require you to provide fingerprints and undergo a background check.

    Sign Up for the ASWB Exam

    Once you receive approval from your state social work board, you must register for the appropriate ASWB licensure exam, either online, via mail or by fax. Registration costs between $230 and $260, depending on your exam category.

    If your registration is successful, you’ll receive an “authorization to test” email from ASWB.

    Schedule Your Test with Pearson VUE

    Pearson VUE provides testing centers for licensure applicants nationwide. You can schedule, cancel and reschedule exam appointments with Pearson VUE through the testing authorization email.

    Preparing for the ASWB Exam Understand How the exam Is Structured

    The ASWB exam is a four-hour, computer-based test comprising 170 multiple-choice questions that test your expertise and decision-making skills as a social worker.

    Exam questions cover various content areas and competencies you should have covered during your degree program. You may also find knowledge, skills and abilities statements resembling real-life situations that require critical thinking. To pass the licensure exam, you must answer about 100 out of the 150 questions correctly.

    Take a Practice Test

    Although self-study is necessary to pass professional exams, practice exams can help you prepare better. By taking a mock test, you can identify loopholes in your study plan, learn the testing software, understand your strengths and areas for improvement, and prepare for complex questions.

    After you register for your exam, ASWB offers a 30-day window to take a VCE exam for an additional $85. Practice exams exist for all categories except the advanced generalist exam.

    Other test prep resources offer free practice tests, but ASWB warns against those resources because their content may be misleading.

    Know What to Expect on Test Day

    ASWB enforces several security measures on test day to ensure a reliable exam process. Prepare to present two photo IDs and sign a confidentiality agreement.

    Pearson VUE test centers are fitted with surveillance tools to detect exam malpractice. Test Center personnel may also walk through the room at intervals.

    You cannot enter the testing center with personal items, but you will receive erasable note boards, markers and other necessary materials from the Test Center personnel. You must return the items after the exam or risk invalidating your score.

    The testing equipment should look like a typical computer setup. Test administrators may provide a short on-screen tutorial to help you navigate the software.

    Decompress After the Exam

    Upon completing the licensure exam, you’ll receive an unofficial score report at the Test Center indicating your performance. ASWB will then send the official score report to your state’s social work board two weeks after the exam.

    Note that your scores cannot be altered at any point, so all you can do is wait for your state board to contact you or go ahead with other state-specific requirements. This may take anywhere from two weeks to a month.

    If you fail the licensure exam, you can retake it after 90 days.

    Frequently Asked Questions (FAQs) About the ASWB Exam What does the ASWB exam stand for?

    The ASWB exam stands for the Association of Social Work Boards examination. This test determines whether a candidate is fit to practice social work at their desired licensure level.

    What percentage of people pass the ASWB exam?

    A exact ASWB report showed that 75.8% of first-time test takers passed the clinical exam category in 2021. The master’s and bachelor’s categories had pass rates of 73% and 68.7%, respectively.

    What is a passing score on the ASWB practice exam?

    Specific passing score thresholds on the ASWB exam may vary with each passing year. ASWB recommends that testers correctly answer 90 to 107 of the graded questions to pass the licensure exam.


    Prepare for the CERP Exam

    Domains

    The CERP advisory board has determined that a competent enterprise risk professional's expertise includes the following Domains. 

    Risk Governance

  • Board and Senior Management Oversight
  • Policies, Procedures and Limits
  • Management Information Systems
  • Control Framework
  • Risk Management

  • Risk Identification
  • Risk Measurement and Evaluation
  • Risk Mitigation
  • Risk Monitoring
  • Please review the CERP exam Outline for more specifics.

    Study Resources

    While ABA recommends these resources as appropriate examination preparation, ABA does not certain that you will pass the exam by completing these educational programs or studying these materials alone. The CERP exam assesses not only your knowledge of the subjects on the exam outline, but also your application of that knowledge. You should refer frequently to the CERP exam Outline when preparing for the exam. 

    IMPORTANT NOTICE: The only legitimate resource for ABA’s certifications, including reference materials, are available on www.aba.com. Any other resources or guides related to ABA’s certification programs offered for sale on third party platforms such as Amazon and eBay is not authorized by the ABA and such purchases are at the buyer’s risk. While it is not illegal for publishers to write separate resources to potential customers, it can be difficult to determine the legitimacy of offers from these organizations, especially if they contain unauthorized uses of ABA’s federally protected logo. If you do not make your purchase with ABA directly, they will not be able to assist you in any capacity. Please contact ABA Customer Service at 1-800-BANKERS to be directed to a legitimate resource.

  • Certificates
  • Training
  • Schools
  • Exam Prep
  • Exam Application
  • Certificates

    ABA Bank Risk Professionals Certificates

    ABA certificates in bank risk management are designed to teach bankers and regulatory staff alike new strategies for identifying, monitoring, and managing risks that can affect core operations at your bank.

    Taken together the three certificate programs help candidates preparing for the Certified Enterprise Risk Professional (CERP) exam to refresh their knowledge.

    View the Certificates

    Training

    Online Training

    Risk management is much more complex today and requires new approaches to talent management and strategic planning. Ensure your entire team is armed with practical applications.

    View all Risk Management Courses

    Schools

    ABA Risk Management Schools

    Today, risk management is a high-profile and growing discipline for banks. Expand your knowledge through two levels of in-depth training designed specifically for individuals managing risk within a bank. Each school applies a practical and real-world approach towards identifying, controlling, monitoring and reporting appropriate threats across your institution. Discover the advantages each of these REM schools offer and select the appropriate path for your professional development needs.

    Attend the Schools

    Exam Prep

    CERP exam Online Prep

    An interactive, user-friendly online course that allows students to study at their own pace, with access to resources and practice exams modeled after an actual exam.

    Take the Course

    Exam Application

    Exam Application

    When you're ready to apply, double check the eligibility requirements, select your exam date, and submit your application.

    Check Your Eligibility

    Exam Format, Scoring and Reporting
  • 200 multiple-choice questions (see trial questions)
  • Maximum 4 hour timeframe allowed
  • Calculators will be provided
  • Official score reports delivered via email within 6 weeks after the close of the exam window
  • For full details, read the Certification exam FAQs
  • Exam Misconduct

    All persons taking one of ABA’s examinations are expected to abide by all rules and regulations governing the examination before, during and after the examination. ABA reserves the right to pursue any and all remedies available to it, including legal remedies, with respect to any violation of its examination rules against anyone who violated ABA’s examination rules or aided another in violating these rules.

    Any person found to have violated any of the rules governing ABA Professional Certifications exams, or to have conducted themselves in a dishonest or unethical manner with respect to the taking of an ABA Professional Certifications exam is subject to sanctions determined to be appropriate by ABA Professional Certifications, in its sole discretion, including, but not limited to: denial of certification; denial of the right to take any or all ABA Professional Certifications examinations. Answer sheets provided at paper/pencil testing sites determined, before grading, to have been completed by a person who has violated ABA Professional Certifications examination rules will not be graded. They reserve the right to pursue any and all remedies available to it, including legal remedies, with respect to any violation of its examination rules against anyone who violated ABA Professional Certifications examination rules or aided another in violating these rules.

    Any person found to have violated any of the rules governing ABA Professional Certifications exams, or to have conducted themselves in a dishonest or unethical manner with respect to the taking of an ABA Professional Certifications exam is subject to sanctions determined to be appropriate by ABA Professional Certifications, in its sole discretion, including, but not limited to: denial of certification; denial of the right to take any or all ABA Professional Certifications examinations. Answer sheets provided at paper/pencil testing sites determined, before grading, to have been completed by a person who has violated ABA Professional Certifications examination rules will not be graded. They reserve the right to pursue any and all remedies available to it, including legal remedies, with respect to any violation of its examination rules against anyone who violated ABA Professional Certifications examination rules or aided another in violating these rules.

    Ready to Apply?

    Apply for the CERP Exam

    Have a Certifications account or retaking an exam? Log InNeed Help? View Application Video


     


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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