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 IIA-CIA-Part3?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der IIA-CIA-Part3: Certified Internal Auditor - Part 3- Business Analysis and Information Technology Prüfung.

2022 Updated Actual IIA-CIA-Part3 questions as experienced in Test Center

Laden Sie IIA-CIA-Part3 Übungstest und aktuelle Fragen herunter | easyfinanz

Certified Internal Auditor - Part 3, Business Analysis and Information Technology actual questions with Latest IIA-CIA-Part3 practice questions | https://www.easyfinanz.cc/

IIA IIA-CIA-Part3 : Certified Internal Auditor - Part 3, test Dumps

Exam Dumps Organized by Richard



Latest 2022 Updated Syllabus
IIA-CIA-Part3 test Dumps | Latest Braindumps with genuine Questions

Real Questions from Latest syllabus of IIA-CIA-Part3 - Updated Daily - 100% Pass Guarantee



IIA-CIA-Part3 demo Questions : Download 100% Free IIA-CIA-Part3 test Dumps (PDF and VCE)

Exam Number : IIA-CIA-Part3
Exam Name : Certified Internal Auditor - Part 3, Business Analysis and Information Technology
Vendor Name : IIA
Update : Click Here to Check Latest Update
Question Bank : Check Questions

On the web IIA-CIA-Part3 boot camp are best through killexams. com
We have reputable and sophisticated IIA-CIA-Part3 test questions that are done up of IIA-CIA-Part3 Actual Questions, tested as well as Verified by simply their licensed team. killexams.com provides most precise and most latest test Free test PDF which almost involves all test topics. With the data source of their IIA-CIA-Part3 PDF Dumps, you do not have in order to risk your own personal chance about studying IIA-CIA-Part3 textbooks nevertheless surely want 24 hours periods to get ready for your real IIA-CIA-Part3 exam.

Someone must certainly not provide up on the genuine IIA-CIA-Part3 boot camp high quality so that you can conserve your efforts plus power and dollars. Never confidence upon no cost IIA-CIA-Part3 Free PDF provided when the internet mainly because right now there is not a ensure in the stuff. Equipment . remain to transmit outdated content on the internet regularly. Straight visit killexams.com and down load 100% Free of charge IIA-CIA-Part3 EBOOK FILE prior to deciding to purchase the complete version connected with IIA-CIA-Part3 queries bank. This specific will save somebody from significant trouble. Simply memorize and also practice IIA-CIA-Part3 Free PDF just before a person last but not least face an authentic IIA-CIA-Part3 test. You are going to guard a good report within the distinct test.

hundreds of individuals transfer IIA-CIA-Part3 test out with the EBOOK Dumps. It is amazingly unusual that the person learn and physical exercise their IIA-CIA-Part3 Free PDF and get poor represents or even fall short in a real exam. The majority of the persons feel wonderful enhancement inside their information along with pass IIA-CIA-Part3 test from their primary attempt. This is certainly definitely the main reason that will, that they read the IIA-CIA-Part3 Question Bank, they will definitely enhance their own information. They are able to function throughout real situations within firms as prossionals. They do not generally focus on switching IIA-CIA-Part3 test out with the distinct questions along with solutions, nevertheless really boost knowledge about IIA-CIA-Part3 goals along with topics. This specific is why people trust each of their IIA-CIA-Part3 Question Bank.

Lots of men and women down load free IIA-CIA-Part3 Free PDF EBOOK FILE from the web plus perform a great struggle to retain these out-of-date questions. They may try to save a little Dumps fee along with danger every time plus the test out fee. A lot of folks fall short their IIA-CIA-Part3 examination. This is certainly merely simply because they spent an interval on out-of-date queries along with answers. IIA-CIA-Part3 test training, objectives and also matters continue to be to transform through IIA. Thats the reason why a constant Dumps upgrade is necessary or else, you will see totally different concerns and advice with the test out screen. Usually this is a huge pitfall with free EBOOK FILE on the net. Furthermore, you should not really process those concerns with just about any test sim. You generally waste tons associated with sources on outdated material. They all advise these cases, undertake killexams.com to down load free of charge boot camp before you invest in. Review and see the changes within their test out subjects. After that decide so that you can register for the total version involving IIA-CIA-Part3 Free PDF. You may well be surprised whenever a person will find the particular queries on a genuine test display screen.

Features of Killexams IIA-CIA-Part3 Free PDF
-> Instant IIA-CIA-Part3 Free PDF down load Access
-> Extensive IIA-CIA-Part3 Issues and Replies
-> 98% Good results Rate involving IIA-CIA-Part3 test
-> Guaranteed Real IIA-CIA-Part3 test questions
-> IIA-CIA-Part3 Questions Up to date on Typical basis.
-> Legitimate and 2022 Updated IIA-CIA-Part3 test Blues
-> 100% Mobile IIA-CIA-Part3 test Files
-> Complete featured IIA-CIA-Part3 VCE test Simulator
-> Zero Limit upon IIA-CIA-Part3 test get Gain access to
-> Great Vouchers
-> 100% Guaranteed get Accounts
-> 100% Privacy Ensured
-> completely Success Assure
-> 100% Free of charge Question Bank example Questions
-> Zero Hidden Charge
-> No Regular monthly Charges
-> Zero Automatic Accounts Renewal
-> IIA-CIA-Part3 test Up-date Intimation through Email
-> Free of charge Technical Support

test Aspect at: https://killexams.com/pass4sure/exam-detail/IIA-CIA-Part3
Pricing Information at: https://killexams.com/exam-price-comparison/IIA-CIA-Part3
See Total List: https://killexams.com/vendors-exam-list

Price cut Coupon upon Full IIA-CIA-Part3 Free PDF boot camp;
WC2020: 60% Ripped Discount to each test
PROF17: 10% More Discount upon Value A lot more than $69
DEAL17: 15% More Discount upon Value A lot more than $99







IIA-CIA-Part3 test Format | IIA-CIA-Part3 Course Contents | IIA-CIA-Part3 Course Outline | IIA-CIA-Part3 test Syllabus | IIA-CIA-Part3 test Objectives




Killexams Review | Reputation | Testimonials | Feedback


Worked difficult on IIA-CIA-Part3 books, however the entire component have become on this test manual.
All in all, killexams.com changed into an awesome manner for me to prepare for this exam. I handed, however, become a touch disappointed that now all questions about the test had been 100% similar to what killexams.com gave me. Over 70% were identical and the relaxation changed into very similar - I am not sure if this is a good component. I managed to pass, so I think this counts as a great end result. But keep in brain that despite killexams.com you continue to want to study and use your brain.


Unbelieveable overall performance of IIA-CIA-Part3 test bank and study guide.
I am very happy to have found killexams.com on-line, and even more happy that I purchased IIA-CIA-Part3 package deal certainly days before my exam. It gave me the high-quality education I needed when you consider that I did not have a bit of time to spare. The IIA-CIA-Part3 attempting out engine is truly right, and the whole thing targets the areas and questions they test at some point of the IIA-CIA-Part3 exam. It can appear remarkable to pay for a braindump in accurate times, at the same time as you can find out nearly whatever without cost on-line, but agree with me, this one is nicely worth every penny! I am very happy - both with the education technique or even more so with the result. I passed IIA-CIA-Part3 with a completely strong score.


Just rely on this IIA-CIA-Part3 genuine test source.
I am very glad to have observed killexams.com online and surprisingly additional happy that I purchased IIA-CIA-Part3 bundle only days sooner than my test. It gave me the decent instructing I really wanted in light of the fact that I had very little extra time. The IIA-CIA-Part3 test system is careful, and the whole lot objectives the regions and questions they test during the IIA-CIA-Part3 exam. It can also appear strange to pay for a brain dump in accurate times, when you could discover almost something at no cost online, Yet, acknowledge it as obvious with me, this one is definitely worth each penny! I am extremely blissful - both with the guidance technique and surprisingly more noteworthy so with the outcome. I passed IIA-CIA-Part3 a totally solid score.


No less expensive source than these IIA-CIA-Part3 Dumps dumps available but.
I passed IIA-CIA-Part3 test with high marks. On every occasion, I had registered with killexams.com which helped me to score more marks. It is super to have the help of killexams.com query economic institution for such type of tests. Thanks to all.


Up to date and reliable brain dumps latest IIA-CIA-Part3 are available here.
After twice taking my test and heading to the failure, I heard about killexams.com. Then I bought IIA-CIA-Part3 Questions answers. The online test simulator helped me to school to pass up queries in time. I reproduced this test ordinarily and this assists me with keeping up with my standing on questions on test day. Presently I am IT ensured! Much thanks to you!. Now I am IT certified! Thank you!. I would look forward to getting help from killexams.


IIA 3, test Braindumps

Whilst it is very hard task to choose reliable test Dumps resources regarding review, reputation and validity because people get ripoff due to choosing incorrect service. Killexams make it sure to provide its clients far better to their resources with respect to test dumps update and validity. Most of other peoples ripoff report complaint clients come to us for the brain dumps and pass their exams enjoyably and easily. They never compromise on their review, reputation and quality because killexams review, killexams reputation and killexams client self confidence is important to all of us. Specially they manage killexams.com review, killexams.com reputation, killexams.com ripoff report complaint, killexams.com trust, killexams.com validity, killexams.com report and killexams scam. If perhaps you see any bogus report posted by their competitor with the name killexams ripoff report complaint internet, killexams.com ripoff report, killexams.com scam, killexams.com complaint or something like this, just keep in mind that there are always bad people damaging reputation of good services due to their benefits. There are a large number of satisfied customers that pass their exams using killexams.com brain dumps, killexams PDF questions, killexams practice questions, killexams test simulator. Visit their test questions and demo brain dumps, their test simulator and you will definitely know that killexams.com is the best brain dumps site.

Is Killexams.com Legit?
Indeed, Killexams is practically legit together with fully trustworthy. There are several attributes that makes killexams.com realistic and genuine. It provides up-to-date and practically valid test dumps comprising real exams questions and answers. Price is suprisingly low as compared to a lot of the services online. The Dumps are updated on regular basis using most accurate brain dumps. Killexams account make and supplement delivery is incredibly fast. Data downloading is actually unlimited and intensely fast. Assistance is avaiable via Livechat and Message. These are the features that makes killexams.com a robust website that provide test dumps with real exams questions.



Which is the best braindumps site of 2022?
There are several Dumps 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 2022 that understands the issue candidates face when they spend their time studying obsolete contents taken from free pdf get sites or reseller sites. Thats why killexams.com update test Dumps 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 collection 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 get 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 Dumps will be provided in your get Account. You can get Premium test Dumps files as many times as you want, There is no limit.

Killexams.com has provided VCE VCE 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.




JN0-212 test Questions | 820-605 practice questions | ASVAB-Assembling-Objects practice questions | TA-002-P VCE exam | 300-835 PDF Dumps | H12-111_V2.5-ENU Test Prep | DMF-1220 question test | NS0-509 cheat sheet | PEGAPCSA84V1 demo questions | C2150-609 practical test | ACE-PT study guide | ASVAB-General-Science test questions | 300-815 past exams | PL-100 model question | C100DBA free pdf get | TEAS-V6 practice test | 1Y0-403 cram | ACCP-v6.5 VCE exam | PEGACRSA80V1 Dumps | AZ-303 Free test PDF |


IIA-CIA-Part3 - Certified Internal Auditor - Part 3, Business Analysis and Information Technology questions
IIA-CIA-Part3 - Certified Internal Auditor - Part 3, Business Analysis and Information Technology dumps
IIA-CIA-Part3 - Certified Internal Auditor - Part 3, Business Analysis and Information Technology PDF Braindumps
IIA-CIA-Part3 - Certified Internal Auditor - Part 3, Business Analysis and Information Technology PDF Download
IIA-CIA-Part3 - Certified Internal Auditor - Part 3, Business Analysis and Information Technology Cheatsheet
IIA-CIA-Part3 - Certified Internal Auditor - Part 3, Business Analysis and Information Technology PDF Braindumps
IIA-CIA-Part3 - Certified Internal Auditor - Part 3, Business Analysis and Information Technology Practice Test
IIA-CIA-Part3 - Certified Internal Auditor - Part 3, Business Analysis and Information Technology outline
IIA-CIA-Part3 - Certified Internal Auditor - Part 3, Business Analysis and Information Technology exam
IIA-CIA-Part3 - Certified Internal Auditor - Part 3, Business Analysis and Information Technology information hunger
IIA-CIA-Part3 - Certified Internal Auditor - Part 3, Business Analysis and Information Technology outline
IIA-CIA-Part3 - Certified Internal Auditor - Part 3, Business Analysis and Information Technology study help
IIA-CIA-Part3 - Certified Internal Auditor - Part 3, Business Analysis and Information Technology Free PDF
IIA-CIA-Part3 - Certified Internal Auditor - Part 3, Business Analysis and Information Technology learn
IIA-CIA-Part3 - Certified Internal Auditor - Part 3, Business Analysis and Information Technology Practice Questions
IIA-CIA-Part3 - Certified Internal Auditor - Part 3, Business Analysis and Information Technology Latest Questions
IIA-CIA-Part3 - Certified Internal Auditor - Part 3, Business Analysis and Information Technology testing
IIA-CIA-Part3 - Certified Internal Auditor - Part 3, Business Analysis and Information Technology answers
IIA-CIA-Part3 - Certified Internal Auditor - Part 3, Business Analysis and Information Technology Question Bank
IIA-CIA-Part3 - Certified Internal Auditor - Part 3, Business Analysis and Information Technology test dumps
IIA-CIA-Part3 - Certified Internal Auditor - Part 3, Business Analysis and Information Technology PDF Download
IIA-CIA-Part3 - Certified Internal Auditor - Part 3, Business Analysis and Information Technology test Questions
IIA-CIA-Part3 - Certified Internal Auditor - Part 3, Business Analysis and Information Technology boot camp
IIA-CIA-Part3 - Certified Internal Auditor - Part 3, Business Analysis and Information Technology information source
IIA-CIA-Part3 - Certified Internal Auditor - Part 3, Business Analysis and Information Technology Real test Questions
IIA-CIA-Part3 - Certified Internal Auditor - Part 3, Business Analysis and Information Technology Latest Questions
IIA-CIA-Part3 - Certified Internal Auditor - Part 3, Business Analysis and Information Technology test success
IIA-CIA-Part3 - Certified Internal Auditor - Part 3, Business Analysis and Information Technology study tips
IIA-CIA-Part3 - Certified Internal Auditor - Part 3, Business Analysis and Information Technology genuine Questions
IIA-CIA-Part3 - Certified Internal Auditor - Part 3, Business Analysis and Information Technology PDF Braindumps
IIA-CIA-Part3 - Certified Internal Auditor - Part 3, Business Analysis and Information Technology braindumps
IIA-CIA-Part3 - Certified Internal Auditor - Part 3, Business Analysis and Information Technology test contents
IIA-CIA-Part3 - Certified Internal Auditor - Part 3, Business Analysis and Information Technology PDF Download
IIA-CIA-Part3 - Certified Internal Auditor - Part 3, Business Analysis and Information Technology Questions and Answers
IIA-CIA-Part3 - Certified Internal Auditor - Part 3, Business Analysis and Information Technology information source
IIA-CIA-Part3 - Certified Internal Auditor - Part 3, Business Analysis and Information Technology Free test PDF
IIA-CIA-Part3 - Certified Internal Auditor - Part 3, Business Analysis and Information Technology exam
IIA-CIA-Part3 - Certified Internal Auditor - Part 3, Business Analysis and Information Technology test dumps
IIA-CIA-Part3 - Certified Internal Auditor - Part 3, Business Analysis and Information Technology test prep
IIA-CIA-Part3 - Certified Internal Auditor - Part 3, Business Analysis and Information Technology PDF Download
IIA-CIA-Part3 - Certified Internal Auditor - Part 3, Business Analysis and Information Technology cheat sheet
IIA-CIA-Part3 - Certified Internal Auditor - Part 3, Business Analysis and Information Technology information source
IIA-CIA-Part3 - Certified Internal Auditor - Part 3, Business Analysis and Information Technology test
IIA-CIA-Part3 - Certified Internal Auditor - Part 3, Business Analysis and Information Technology Cheatsheet
IIA-CIA-Part3 - Certified Internal Auditor - Part 3, Business Analysis and Information Technology braindumps
IIA-CIA-Part3 - Certified Internal Auditor - Part 3, Business Analysis and Information Technology outline
IIA-CIA-Part3 - Certified Internal Auditor - Part 3, Business Analysis and Information Technology Cheatsheet
IIA-CIA-Part3 - Certified Internal Auditor - Part 3, Business Analysis and Information Technology teaching
IIA-CIA-Part3 - Certified Internal Auditor - Part 3, Business Analysis and Information Technology test dumps
IIA-CIA-Part3 - Certified Internal Auditor - Part 3, Business Analysis and Information Technology study tips
IIA-CIA-Part3 - Certified Internal Auditor - Part 3, Business Analysis and Information Technology test dumps
IIA-CIA-Part3 - Certified Internal Auditor - Part 3, Business Analysis and Information Technology test contents
IIA-CIA-Part3 - Certified Internal Auditor - Part 3, Business Analysis and Information Technology test Questions


IIA-CIA-Part3-3P test papers | IIA-CIA-Part3-3P pass marks |


Best Certification test Dumps You Ever Experienced


IIA-CRMA test questions | IIA-CIA-Part3-3P practice questions | IIA-CIA-Part2 study material | IIA-ACCA cheat sheets | IIA-CIA-Part3 bootcamp | IIA-CIA-Part3-3P braindumps | IIA-CIA-Part1 VCE exam |





References :


https://www.instapaper.com/read/1316542616
https://killexams-posting.dropmark.com/817438/23730932
http://killexams-braindumps.blogspot.com/2020/07/people-practice-these-iia-cia-part3.html
https://killexams-posting.dropmark.com/817438/23792560
https://www.4shared.com/office/YY25mz22ea/Certified-Internal-Auditor--Pa.html
http://ge.tt/8UY5Dl73
https://www.coursehero.com/file/72154183/Certified-Internal-Auditor-Part-3-Business-Analysis-and-Information-Technology-IIA-CIA-Part3pdf/
http://killexamsdump.isblog.net/iia-cia-part3-certified-internal-auditor-part-3-business-analysis-and-information-technology-2021-update-question-bank-by-killexams-com-14540910
https://sites.google.com/view/killexams-iia-cia-part3-dumps
https://justpaste.it/IIA-CIA-Part3
https://ello.co/killexamz/post/xj8a_z-ha7m4ii3k4ar8qw
http://feeds.feedburner.com/HereIsTheBestsPlaceToGetHelpPassA00-281Exam
https://spaces.hightail.com/space/v47qz1ixkg/files/fi-37a461de-1957-4199-b368-7ed60e221a26/fv-8e4c5b28-5995-4acf-9a0a-0108a4b171de/Certified-Internal-Auditor--Part-3-Business-Analysis-and-Information-Technology-(IIA-CIA-Part3).pdf#pageThumbnail-1
https://files.fm/f/mar5fqyfr
http://killexams.decksrusct.com/blog/certification-exam-dumps/iia-cia-part3-certified-internal-auditor-part-3-business-analysis-and-information-technology-updated-cheat-sheet-by-killexams-com/



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






Direct Download

IIA-CIA-Part3 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.

IIA-CIA-Part3 Reviews

100% Valid and Up to Date IIA-CIA-Part3 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