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 Hadoop-PR000007?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der Hadoop-PR000007: Hortonworks Certified Apache Hadoop 2.0 Developer (Pig and Hive Developer) Prüfung.

2023 Updated Actual Hadoop-PR000007 questions as experienced in Test Center

Aktuelle Hadoop-PR000007 Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz

Hortonworks Certified Apache Hadoop 2.0 Developer (Pig and Hive Developer) braindump questions with Latest Hadoop-PR000007 practice questions | https://www.easyfinanz.cc/

Hortonworks Hadoop-PR000007 : Hortonworks Certified Apache Hadoop 2.0 test Dumps

Exam Dumps Organized by Richard



Latest 2023 Updated Syllabus
Hadoop-PR000007 test Dumps | Latest Braindumps with genuine Questions

Real Questions from Latest syllabus of Hadoop-PR000007 - Updated Daily - 100% Pass Guarantee



Hadoop-PR000007 demo Questions : Download 100% Free Hadoop-PR000007 test Dumps (PDF and VCE)

Exam Number : Hadoop-PR000007
Exam Name : Hortonworks Certified Apache Hadoop 2.0 Developer (Pig and Hive Developer)
Vendor Name : Hortonworks
Update : Click Here to Check Latest Update
Question Bank : Check Questions

Easiest way to secure Hadoop-PR000007 test is to down load Practice Questions via killexams
killexams.com will be happy with regard to helping individuals pass the particular Hadoop-PR000007 examination with its legitimate, refreshed and also tried Hadoop-PR000007 braindumps. They move forward as an educator in your meeting to get ready and also breeze by way of Hadoop-PR000007 examination. Your information will be amazingly improved through going through their Hadoop-PR000007 Study Guide. You can be really prepared for a legitimate Hadoop-PR000007 examination. Thats all of that they do.

The web is actually brimming with cheat sheet providers nevertheless most of them can advertise outdated and also invalid Hadoop-PR000007 Questions and Answers. You really want might about the Good and 2022 Up-to-date Hadoop-PR000007 PDF Dumps service provider on the web. You will discover chances you would rather certainly not squander your current on analysis, basically rely on killexams.com as opposed to using up through numerous dollars about invalid Hadoop-PR000007 Questions and Answers. They assist you to visit killexams.com and also obtain 100 % free Hadoop-PR000007 Questions and Answers check questions. You will find yourself fulfilled. Sign-up and get the 3 months file to obtain the most recent and also substantial Hadoop-PR000007 PDF Dumps made up of genuine Hadoop-PR000007 test queries and response. You ought to obtain Hadoop-PR000007 VCE test method for your groundwork test.

You are able to obtain Hadoop-PR000007 Questions and Answers EBOOK on any kind of device similar to iPad, apple iphone, PC, wise television, android os to look at and support the Hadoop-PR000007 Questions and Answers. Sow as much vitality on checking out Hadoop-PR000007 Inquiries and response as you can. Remarkably taking train tests along with VCE check system will help you along with retaining the particular questions and also answering these people well. You need to perceive these kinds of questions inside a genuine check. You will enhance marks whenever you practice some time before a genuine Hadoop-PR000007 test.

Presenting just Question Bank adequately is just not. Perusing trivial material regarding Hadoop-PR000007 would not help. Just makes you far more befuddle in relation to Hadoop-PR000007 items, until you find solid, reputable, and innovative Hadoop-PR000007 Questions and Answers questions and also VCE train test. killexams.com is actually top series provider valuable material regarding Hadoop-PR000007 Questions and Answers, reputable Questions and also replies, entirely tried cheat sheet, and also VCE train Test. That is definitely only a few clicks away. Basically visit killexams.com to help obtain your own personal 100 percent free of charge duplicate regarding Hadoop-PR000007 Questions and Answers PDF. Explore test queries and make an attempt to comprehend. On the point whenever you fulfill, sign-up your complete duplicate regarding Hadoop-PR000007 Question Bank. You might accept your own personal username and also secret phrase, that you will utilize on website to join to your obtain account. You will Hadoop-PR000007 PDF Dumps documents, willing to download, and also VCE train test information. obtain and Install Hadoop-PR000007 VCE train test encoding and problem the test regarding training. You might perceive just how your understanding is improved. This would make you thus certain that you can choose to take a seat in a genuine Hadoop-PR000007 check within one day.

They deliver Real Hadoop-PR000007 check Questions and also Answers cheat sheet in 3 configurations. Hadoop-PR000007 PDF organize and Hadoop-PR000007 VCE check system. Hadoop-PR000007 Real check is rapidly different from Hortonworks in precise test. The genuine Hadoop-PR000007 PDF Dumps PDF review could be acquired on any kind of gadget. You are able to print Hadoop-PR000007 Questions and Answers to create your own exclusive book. All of their pass charge is higher to 98. 9% and also besides the not big difference quality concerning their Hadoop-PR000007 questions as well as the genuine check is 98%. Do you really wish achievement from the Hadoop-PR000007 check in just 1 endeavor? Instantly go to obtain Hortonworks Hadoop-PR000007 genuine check questions with killexams.com.

Features of Killexams Hadoop-PR000007 Questions and Answers
-> Hadoop-PR000007 Questions and Answers obtain Entry in just a few min.
-> Total Hadoop-PR000007 Inquiries Bank
-> Hadoop-PR000007 test Good results ensure
-> Assured genuine Hadoop-PR000007 test queries
-> Latest and also 2022 kept up to date Hadoop-PR000007 Inquiries and Advice
-> Latest 2022 Hadoop-PR000007 Syllabus
-> obtain Hadoop-PR000007 test Records anywhere
-> Infinite Hadoop-PR000007 VCE test Sim Access
-> Not any Limit about Hadoop-PR000007 test obtain
-> Excellent Discount Coupons
-> totally Secure Obtain
-> 100% Private.
-> 100% No cost Question Bank small demo Questions
-> Not any Hidden Price
-> No Regular monthly Subscription
-> Not any Auto Reconstruction
-> Hadoop-PR000007 test Update Appel by E-mail
-> Free Tech support team

test Detail with: https://killexams.com/pass4sure/exam-detail/Hadoop-PR000007
Rates Details with: https://killexams.com/exam-price-comparison/Hadoop-PR000007
Observe Complete Collection: https://killexams.com/vendors-exam-list

Discount Discount on Total Hadoop-PR000007 PDF Dumps questions;
WC2020: 60% Ripped Discount to each test
PROF17: 10% Additional Discount about Value Over $69
DEAL17: 15% Additional Discount about Value Over $99







Hadoop-PR000007 test Format | Hadoop-PR000007 Course Contents | Hadoop-PR000007 Course Outline | Hadoop-PR000007 test Syllabus | Hadoop-PR000007 test Objectives




Killexams Review | Reputation | Testimonials | Feedback


Very easy way to pass Hadoop-PR000007 test with questions and test Simulator.
I answered all questions in just half time in my Hadoop-PR000007 exam. I will have the capacity to utilize the killexams.com study guide reason for distinctive tests as well. Much appreciated the killexams.com brain dump for the support. I want to let you know that close by your stunning apply and sharpening instruments; I breezed through my Hadoop-PR000007 test with great imprints. This is because the schoolwork helps out your application.


Just rely on this Hadoop-PR000007 real question source.
Positioned out this particular supply after a long time. Absolutely everyone here is cooperative and able. Crew provided me very good material for Hadoop-PR000007 practice test.


It is extraordinary to have Hadoop-PR000007 braindumps.
killexams.com materials are exactly as tremendous, and the% spreads all that it need to blanket for an extensive test making plans and I answered 89/one hundred questions using them. I got each one in all of them by using planning for my test with killexams.com Braindumps and test Simulator, so this one was not an exemption. I can ensure you that the Hadoop-PR000007 is much more difficult than beyond the test, so get equipped to get worried.  


Do a brief and clever move, put together these Hadoop-PR000007 Questions and answers.
I've recommended your objects to several colleagues and partners, and they are all Greatly satisfied. much obliged killexams.com Braindumps for reinforcing up my profession and assisting me plan nicely for my severe test. You are great over again. I have to say that I am your greatest fan! I want you to realize that I passed my Hadoop-PR000007 test now-a-days, contemplating the Hadoop-PR000007 brain notes I bought from you. I answered 86/95 questions within the exam. You are a great test training provider.


Do a quick and smart pass, read these Hadoop-PR000007 Questions and answers.
My view of the Hadoop-PR000007 test price guide become terrible as I continually wished to have the preparation via a test approach in a category room and for that, I joined exclusive training however those all appeared a faux element for me and I cease them at once. Then I searched and in the end changed my thinking about the Hadoop-PR000007 test samples and I began with the same from killexams. It gave me the best marks on the test and I am satisfied to have that.


Hortonworks Developer questions

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?
Of course, Killexams is completely legit plus fully good. There are several benefits that makes killexams.com unique and legitimized. It provides informed and completely valid test dumps that contain real exams questions and answers. Price is small as compared to a lot of the services online. The Braindumps are updated on ordinary basis along with most recent brain dumps. Killexams account setup and solution delivery is extremely fast. Computer file downloading is unlimited and fast. Help is avaiable via Livechat and Netmail. These are the characteristics that makes killexams.com a strong website that supply test dumps with real exams questions.



Which is the best braindumps site of 2023?
There are several Braindumps provider in the market claiming that they provide genuine test Questions, Braindumps, Practice Tests, Study Guides, cheat sheet and many other names, but most of them are re-sellers that do not update their contents frequently. Killexams.com is best website of Year 2023 that understands the issue candidates face when they spend their time studying obsolete contents taken from free pdf obtain sites or reseller sites. Thats why killexams.com update test Braindumps 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 dumps questions of valid Questions that is kept up-to-date by checking update on daily basis.

If you want to Pass your test Fast with improvement in your knowledge about latest course contents and syllabus of new syllabus, They recommend to obtain PDF test Questions from killexams.com and get ready for genuine exam. When you feel that you should register for Premium Version, Just choose visit killexams.com and register, you will receive your Username/Password in your Email within 5 to 10 minutes. All the future updates and changes in Braindumps will be provided in your obtain Account. You can obtain Premium test Dumps files as many times as you want, There is no limit.

Killexams.com has provided VCE practice exam Software to Practice your test by Taking Test Frequently. It asks the Real test Questions and Marks Your Progress. You can take test as many times as you want. There is no limit. It will make your test prep very fast and effective. When you start getting 100% Marks with complete Pool of Questions, you will be ready to take genuine Test. Go register for Test in Test Center and Enjoy your Success.




Magento-2-CAD demo test | CCJE study material | 2V0-21.20 dumps questions | CIMAPRA19-F03-1-ENG PDF Questions | 300-725 Braindumps | CBDH model question | ASVAB-Mechanical-Comp test questions | MS-900 brain dumps | Servicenow-CIS-ITSM Cheatsheet | SPLK-2001 pass test | 2V0-62.21 Braindumps | CLTD demo test questions | OCN test example | TDS-C01 obtain | AWS-CSAP cbt | 100-490 study guide | Salesforce.Field-Service-Lightning-Consultant practice questions | ASVAB-Automotive-and-Shop practice questions | RCDD-002 boot camp | AAMA-CMA test dumps |


Hadoop-PR000007 - Hortonworks Certified Apache Hadoop 2.0 Developer (Pig and Hive Developer) PDF Questions
Hadoop-PR000007 - Hortonworks Certified Apache Hadoop 2.0 Developer (Pig and Hive Developer) Practice Questions
Hadoop-PR000007 - Hortonworks Certified Apache Hadoop 2.0 Developer (Pig and Hive Developer) genuine Questions
Hadoop-PR000007 - Hortonworks Certified Apache Hadoop 2.0 Developer (Pig and Hive Developer) certification
Hadoop-PR000007 - Hortonworks Certified Apache Hadoop 2.0 Developer (Pig and Hive Developer) study tips
Hadoop-PR000007 - Hortonworks Certified Apache Hadoop 2.0 Developer (Pig and Hive Developer) PDF Braindumps
Hadoop-PR000007 - Hortonworks Certified Apache Hadoop 2.0 Developer (Pig and Hive Developer) syllabus
Hadoop-PR000007 - Hortonworks Certified Apache Hadoop 2.0 Developer (Pig and Hive Developer) Practice Questions
Hadoop-PR000007 - Hortonworks Certified Apache Hadoop 2.0 Developer (Pig and Hive Developer) guide
Hadoop-PR000007 - Hortonworks Certified Apache Hadoop 2.0 Developer (Pig and Hive Developer) Free PDF
Hadoop-PR000007 - Hortonworks Certified Apache Hadoop 2.0 Developer (Pig and Hive Developer) test Questions
Hadoop-PR000007 - Hortonworks Certified Apache Hadoop 2.0 Developer (Pig and Hive Developer) Cheatsheet
Hadoop-PR000007 - Hortonworks Certified Apache Hadoop 2.0 Developer (Pig and Hive Developer) PDF Download
Hadoop-PR000007 - Hortonworks Certified Apache Hadoop 2.0 Developer (Pig and Hive Developer) test Questions
Hadoop-PR000007 - Hortonworks Certified Apache Hadoop 2.0 Developer (Pig and Hive Developer) test success
Hadoop-PR000007 - Hortonworks Certified Apache Hadoop 2.0 Developer (Pig and Hive Developer) Latest Topics
Hadoop-PR000007 - Hortonworks Certified Apache Hadoop 2.0 Developer (Pig and Hive Developer) boot camp
Hadoop-PR000007 - Hortonworks Certified Apache Hadoop 2.0 Developer (Pig and Hive Developer) PDF Questions
Hadoop-PR000007 - Hortonworks Certified Apache Hadoop 2.0 Developer (Pig and Hive Developer) answers
Hadoop-PR000007 - Hortonworks Certified Apache Hadoop 2.0 Developer (Pig and Hive Developer) information search
Hadoop-PR000007 - Hortonworks Certified Apache Hadoop 2.0 Developer (Pig and Hive Developer) Latest Questions
Hadoop-PR000007 - Hortonworks Certified Apache Hadoop 2.0 Developer (Pig and Hive Developer) certification
Hadoop-PR000007 - Hortonworks Certified Apache Hadoop 2.0 Developer (Pig and Hive Developer) genuine Questions
Hadoop-PR000007 - Hortonworks Certified Apache Hadoop 2.0 Developer (Pig and Hive Developer) exam
Hadoop-PR000007 - Hortonworks Certified Apache Hadoop 2.0 Developer (Pig and Hive Developer) Cheatsheet
Hadoop-PR000007 - Hortonworks Certified Apache Hadoop 2.0 Developer (Pig and Hive Developer) course outline
Hadoop-PR000007 - Hortonworks Certified Apache Hadoop 2.0 Developer (Pig and Hive Developer) Practice Test
Hadoop-PR000007 - Hortonworks Certified Apache Hadoop 2.0 Developer (Pig and Hive Developer) course outline
Hadoop-PR000007 - Hortonworks Certified Apache Hadoop 2.0 Developer (Pig and Hive Developer) outline
Hadoop-PR000007 - Hortonworks Certified Apache Hadoop 2.0 Developer (Pig and Hive Developer) test format
Hadoop-PR000007 - Hortonworks Certified Apache Hadoop 2.0 Developer (Pig and Hive Developer) Practice Test
Hadoop-PR000007 - Hortonworks Certified Apache Hadoop 2.0 Developer (Pig and Hive Developer) test format
Hadoop-PR000007 - Hortonworks Certified Apache Hadoop 2.0 Developer (Pig and Hive Developer) test Questions
Hadoop-PR000007 - Hortonworks Certified Apache Hadoop 2.0 Developer (Pig and Hive Developer) study help
Hadoop-PR000007 - Hortonworks Certified Apache Hadoop 2.0 Developer (Pig and Hive Developer) test format
Hadoop-PR000007 - Hortonworks Certified Apache Hadoop 2.0 Developer (Pig and Hive Developer) tricks
Hadoop-PR000007 - Hortonworks Certified Apache Hadoop 2.0 Developer (Pig and Hive Developer) Free test PDF
Hadoop-PR000007 - Hortonworks Certified Apache Hadoop 2.0 Developer (Pig and Hive Developer) PDF Braindumps
Hadoop-PR000007 - Hortonworks Certified Apache Hadoop 2.0 Developer (Pig and Hive Developer) teaching
Hadoop-PR000007 - Hortonworks Certified Apache Hadoop 2.0 Developer (Pig and Hive Developer) genuine Questions
Hadoop-PR000007 - Hortonworks Certified Apache Hadoop 2.0 Developer (Pig and Hive Developer) information source
Hadoop-PR000007 - Hortonworks Certified Apache Hadoop 2.0 Developer (Pig and Hive Developer) test Braindumps
Hadoop-PR000007 - Hortonworks Certified Apache Hadoop 2.0 Developer (Pig and Hive Developer) teaching
Hadoop-PR000007 - Hortonworks Certified Apache Hadoop 2.0 Developer (Pig and Hive Developer) Question Bank
Hadoop-PR000007 - Hortonworks Certified Apache Hadoop 2.0 Developer (Pig and Hive Developer) exam
Hadoop-PR000007 - Hortonworks Certified Apache Hadoop 2.0 Developer (Pig and Hive Developer) genuine Questions
Hadoop-PR000007 - Hortonworks Certified Apache Hadoop 2.0 Developer (Pig and Hive Developer) Practice Questions
Hadoop-PR000007 - Hortonworks Certified Apache Hadoop 2.0 Developer (Pig and Hive Developer) Real test Questions
Hadoop-PR000007 - Hortonworks Certified Apache Hadoop 2.0 Developer (Pig and Hive Developer) book
Hadoop-PR000007 - Hortonworks Certified Apache Hadoop 2.0 Developer (Pig and Hive Developer) information hunger
Hadoop-PR000007 - Hortonworks Certified Apache Hadoop 2.0 Developer (Pig and Hive Developer) test format
Hadoop-PR000007 - Hortonworks Certified Apache Hadoop 2.0 Developer (Pig and Hive Developer) test prep
Hadoop-PR000007 - Hortonworks Certified Apache Hadoop 2.0 Developer (Pig and Hive Developer) braindumps



Best Certification test Dumps You Ever Experienced


PR000007 dumps | PR000041 dumps questions | Hadoop-PR000007 practice exam | PR000005 Free PDF | HDPCD test Questions |





References :


http://feeds.feedburner.com/EnsureYourSuccessWithThisHadoop-pr000007BraindumpsQuestions
https://arfansaleem685.blogspot.com/2020/09/hadoop-pr000007-hortonworks-certified.html
https://www.4shared.com/video/ThGmHTP5ea/Hortonworks-Certified-Apache-H.html
https://files.fm/f/ryucmgq4
http://ge.tt/7MkGdY83
https://drp.mk/i/yFyJ0vgwLW
https://killexams-hadoop-pr000007.jimdofree.com/
https://justpaste.it/Hadoop-PR000007
https://sites.google.com/view/killexams-hadoop-pr000007-pdf
https://ello.co/killexamz/post/uzyieibjfjwkntsj_udm2g
https://www.coursehero.com/u/file/83519371/Hortonworks-Certified-Apache-Hadoop-2-0-Developer-Pig-and-Hive-Developer-Hadoop-PR000007pdf/#question
https://www.instapaper.com/read/1398257486
http://killexams.decksrusct.com/blog/certification-exam-dumps/hadoop-pr000007-hortonworks-certified-apache-hadoop-2-0-developer-pig-and-hive-developer-dumps-with-real-questions-by-killexams-com/



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






Direct Download

Hadoop-PR000007 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.

Hadoop-PR000007 Reviews

100% Valid and Up to Date Hadoop-PR000007 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