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-CRMA?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der IIA-CRMA: Certification in Risk Management Assurance (CRMA) Prüfung.

2025 Updated Actual IIA-CRMA questions as experienced in Test Center

Aktuelle IIA-CRMA Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz

IIA IIA-CRMA : Certification in Risk Management Assurance (CRMA) Practice Tests

Practice Tests Organized by Martin Hoax



Latest 2024 Updated IIA Certification in Risk Management Assurance (CRMA) Syllabus
IIA-CRMA examcollection with Premium PDF and Test Engine

Practice Tests and Free VCE Software - Questions Updated on Daily Basis
Big Discount / Cheapest price & 100% Pass Guarantee




IIA-CRMA examcollection : Download 100% Free IIA-CRMA practice tests (PDF and VCE)

Exam Number : IIA-CRMA
Exam Name : Certification in Risk Management Assurance (CRMA)
Vendor Name : IIA
Update : Click Here to Check Latest Update
Question Bank : Check Questions

New release of IIA-CRMA boot camp with TestPrep
Killexams.com takes pride in helping individuals pass the IIA-CRMA exam. They have a team of experts who supply genuine Certification in Risk Management Assurance (CRMA) Free test PDF. Their IIA-CRMA Exam Questions database is regularly updated, validated, and tested. By registering, you can get IIA-CRMA PDF Download files with a VCE test simulator to practice and pass your exam.

If you are planning to take the IIA IIA-CRMA exam, you should know that it is not an easy task to prepare and pass it by just relying on the IIA-CRMA course book or free resources available on the internet. The actual IIA-CRMA test contains difficult and tricky questions that can easily confuse a candidate and result in failure. However, killexams.com has got you covered by providing actual IIA-CRMA test questions in the form of Mock Questions and VCE test simulator files. You can get the 100% free IIA-CRMA TestPrep before registering for the full version of IIA-CRMA TestPrep, and they are confident that you will be satisfied with their IIA-CRMA Cram Guide.

We offer IIA-CRMA actual test Braindumps in two types - IIA-CRMA PDF document and IIA-CRMA VCE test simulator. The IIA-CRMA actual test is rapidly changing, but their IIA-CRMA Exam Questions PDF document can be downloaded on any device such as iPad, iPhone, PC, smart TV, or Android. You can also print the IIA-CRMA TestPrep to make your own book. Their pass rate is high at 98.9%, and the similarity between their IIA-CRMA questions and the actual test is 98%. If you want to succeed in the IIA-CRMA test on your first attempt, visit killexams.com to get actual IIA IIA-CRMA test questions.







IIA-CRMA test Format | IIA-CRMA Course Contents | IIA-CRMA Course Outline | IIA-CRMA test Syllabus | IIA-CRMA test Objectives


Title: Certification in Risk Management Assurance (CRMA)

Test Detail:
The Certification in Risk Management Assurance (CRMA) is offered by the Institute of Internal Auditors (IIA). It is a globally recognized certification that validates the knowledge and skills required to assess and manage risks within organizations. The CRMA certification focuses on risk management and assurance, providing professionals with the expertise to navigate complex risk environments effectively.

Course Outline:
The CRMA certification program covers a comprehensive range of syllabus related to risk management and assurance. The course provides participants with an in-depth understanding of risk test methodologies, risk management frameworks, and the role of internal auditors in risk management. The following is a general outline of the key areas covered in the certification program:

1. Introduction to Risk Management:
- Understanding the concepts and principles of risk management
- Identifying and categorizing different types of risks
- Roles and responsibilities of risk management professionals
- Integration of risk management into organizational processes
- Regulatory and compliance considerations

2. Risk Assessment and Analysis:
- Conducting risk exams and identifying risk sources
- Risk appetite and tolerance determination
- Risk analysis techniques and tools
- Evaluating the impact and likelihood of risks
- Risk prioritization and mitigation strategies

3. Risk Management Frameworks and Standards:
- Overview of risk management frameworks (e.g., COSO, ISO 31000)
- Application of risk management standards and guidelines
- Implementing a risk management framework within an organization
- Roles and responsibilities of key stakeholders in risk management
- Monitoring and reporting on risk management effectiveness

4. Internal Audit's Role in Risk Management:
- Internal audit's contribution to risk management processes
- Performing risk-based internal audits
- Internal control frameworks and their relationship to risk management
- Leveraging technology for risk management and assurance
- Collaborating with stakeholders to enhance risk management practices

Exam Objectives:
The CRMA certification test assesses candidates' understanding of risk management principles, processes, and internal audit's role in risk management. The test objectives include, but are not limited to:

1. Demonstrating knowledge of risk management principles and concepts.
2. Understanding risk test and analysis techniques.
3. Applying risk management frameworks and standards.
4. Recognizing the role of internal audit in risk management.
5. Implementing effective risk management practices.

Syllabus:
The CRMA certification program typically includes self-study materials or training courses provided by the IIA or authorized training providers. The syllabus provides a breakdown of the syllabus covered throughout the course, including specific learning objectives and milestones. The syllabus may include the following components:

- Introduction to Risk Management
- Risk Assessment and Analysis
- Risk Management Frameworks and Standards
- Internal Audit's Role in Risk Management
- test Preparation and Practice Tests
- Final Certification in Risk Management Assurance (CRMA) Exam



Killexams Review | Reputation | Testimonials | Feedback


How long of practice is needed for the IIA-CRMA test?
Due to time constraints, I only had a week to prepare for the IIA-CRMA exam. I turned to killexams.com's Questions and Answers, which contained short-length replies, for quick reference. Thanks to their comprehensive material, my world changed for the better. The test Answers they provided were the best option for me given my limited time.


What are the requirements to pass the IIA-CRMA test with little effort?
The coaching kit from killexams.com has been very beneficial to me throughout my test education. I am not a great test taker and will go blank on the exam, which is not always a good thing, especially if that test is the IIA-CRMA exam, where time is your enemy. I have had the experience of failing IT tests in the past and wished to avoid it at all costs, so I purchased this package deal. It has helped me pass with 100%, having everything I needed to understand. Thanks to killexams.com.


It is excellent! I got IIA-CRMA practice tests.
As an IT professional, passing the IIA-CRMA test was vital for me, but due to time restraints, it was difficult to prepare adequately. However, the easy-to-memorize answers provided by killexams.com made it simpler to prepare for the exam. I managed to complete all the questions correctly below the stipulated time.


Get IIA-CRMA certified with a real test question bank.
I want to inform you that I have topped the IIA-CRMA exam, and all of the questions on the test table came from killexams. This guide was my real helper during the IIA-CRMA exam, and I owe all of my achievement to it. The guide appropriately guided me in attempting IIA-CRMA test questions. With the help


No time wasted searching the internet! I found a precise source of IIA-CRMA Questions and Answers.
killexams.com is an extraordinary company that has helped me pass the IIA-CRMA test more than once. The questions are updated often, and over 90% of the questions were valid when I took the test last fall. They have a thrilling method to make difficult syllabus simple, and the Braindumps are managed in a quick, easy, and true way. I hope to get a discount for my next package.


IIA Certification certification

IIA-CRMA Exam

User: Melor*****

I am grateful to killexams.com for providing a comprehensive guide on how to use their Braindumps effectively. With their help, I was able to score 78% on my iia-crma exam. This was my first time taking this exam, and although I felt confident, I still needed to prepare well. Therefore, I used killexams.com Braindumps along with their test simulator software, which proved to be very useful.
User: Iman*****

Killexams.com is superb! I achieved a nearly perfect score of 98% on my iia-crma test yesterday. The materials in the bundle are accurate and valid, and I recognized most of the questions from my other exams. The study guide comprehensively covered all the topics, and I was able to answer the questions with ease. I gained expert knowledge and a smooth pass to my iia-crma certification.
User: Orel*****

With the high-quality test companion and teachers at Killexams.com, I no longer feel alone during exams. Their support was available to me at any time of the day or night, and they helped me pass my very difficult IIA-CRMA exam. Their material, test simulator, and self-study resources are awesome, and I am thankful to have found such a valuable resource.
User: Tonja*****

I relied on Killexams.com material for guidance in passing the IIA-CRMA test last week. Their questions come directly from the actual pool of test questions used, making them highly reliable and trustworthy. Almost all the questions I encountered in the test were familiar to me, and I knew the answers thanks to Killexams.com. Their money-back ensure also makes them a safe choice for anyone.
User: Nadia*****

The IIA-CRMA test was difficult for me, as I did not have enough time to prepare for it. However, with the help of Killexams practice tests and a reliable certification guide, I was able to get through most of the subjects with little effort. I could answer all the queries in just 81 minutes and got a score of 97. Thanks to Killexams for their valuable guidance.

IIA-CRMA Exam

Question: Where can I see IIA-CRMA test outline?
Answer: Killexams.com provides complete information about IIA-CRMA course outline, IIA-CRMA test syllabus, and test objectives. All the information about several questions in the actual IIA-CRMA test is provided on the test page at killexams website. You can also see IIA-CRMA syllabus information from the website. You can also see IIA-CRMA demo practice questions and go through the questions. You can also register to get the complete IIA-CRMA question bank.
Question: Do I need something else with IIA-CRMA dumps?
Answer: No, IIA-CRMA questions provided by killexams.com are sufficient to pass the test on the first attempt. You must have PDF Braindumps for studying and a VCE test simulator for practice. Visit killexams.com and register to get the complete examcollection of IIA-CRMA test test prep. These IIA-CRMA test questions are taken from actual test sources, that's why these IIA-CRMA test questions are sufficient to read and pass the exam. Although you can use other sources also for improvement of knowledge like textbooks and other aid material these IIA-CRMA questions are sufficient to pass the exam. If you have time to study, you can prepare for the test in very little time. They recommend taking enough time to study and practice IIA-CRMA practice questions that you are sure that you can answer all the questions that will be asked in the actual IIA-CRMA exam.
Question: IIA-CRMA test questions are changed, in that could I locate a new test bank?
Answer: Killexams keep on checking IIA-CRMA update and change/update the IIA-CRMA test examcollection accordingly. You will receive an update notification to re-download the IIA-CRMA test files. You can then login and get the test examcollection files accordingly.
Question: Are killexams payment methods secure?
Answer: Killexams do not process payments by themselves. It uses 3rd party 3D secured payment processor to handle the payment. All the information is kept secured by the payment bank and is not accessible to anyone including killexams. You can blindly trust killexams payment company for your purchase.
Question: I need valid IIA-CRMA questions, where should I go?
Answer: You visit the killexams IIA-CRMA test page, you will be able to get complete details of valid IIA-CRMA questions. You can also go to https://killexams.com/demo-download/IIA-CRMA.pdf to get IIA-CRMA demo questions. After review visit and register to get the complete examcollection of IIA-CRMA test test prep. These IIA-CRMA test questions are taken from actual test sources, that's why these IIA-CRMA test questions are sufficient to read and pass the exam. Although you can use other sources also for improvement of knowledge like textbooks and other aid material these IIA-CRMA questions are enough to pass the exam.
IIA+Certification+certification
https://www.pass4surez.com/art/read.php?keyword=IIA+Certification+certification&lang=us&links=remove

While it is very hard task to choose reliable certification questions / answers resources with respect to review, reputation and validity because people get ripoff due to choosing wrong service. Killexams.com make it sure to serve its clients best to its resources with respect to ACTUAL EXAM QUESTIONS update and validity. Most of other's ripoff report complaint clients come to us for the brain dumps and pass their exams happily and easily. They never compromise on their review, reputation and quality because killexams review, killexams reputation and killexams client confidence is important to us. Specially they take care of killexams.com review, killexams.com reputation, killexams.com ripoff report complaint, killexams.com trust, killexams.com validity, killexams.com report and killexams.com scam. The same care that they take about killexams review, killexams reputation, killexams ripoff report complaint, killexams trust, killexams validity, killexams report and killexams scam. If you see any false report posted by their competitors with the name killexams ripoff report complaint internet, killexams ripoff report, killexams 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 thousands of satisfied customers that pass their exams using killexams.com brain dumps, killexams PDF questions, killexams practice questions, killexams test simulator. Visit Their demo questions and demo brain dumps, their test simulator and you will definitely know that killexams.com is the best brain dumps site.

Which is the best practice tests website?
Absolutely yes, Killexams is practically legit plus fully dependable. There are several functions that makes killexams.com unique and legitimized. It provides latest and practically valid test questions containing real exams questions and answers. Price is very low as compared to the majority of the services on internet. The Braindumps are kept up to date on standard basis together with most latest questions. Killexams account set up and solution delivery is quite fast. Record downloading is actually unlimited and also fast. Help support is avaiable via Livechat and E mail. These are the features that makes killexams.com a sturdy website that include test prep with real exams questions.



Is killexams.com test material dependable?
There are several Braindumps provider in the market claiming that they provide actual 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 2024 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 Braindumps with the same frequency as they are updated in Real Test. test questions provided by killexams.com are Reliable, Up-to-date and validated by Certified Professionals. They maintain examcollection 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 actual 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 get Account. You can get Premium practice questions files as many times as you want, There is no limit.

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




C1000-068 test preparation | 44202T free pdf | 312-50v11 training material | 78201X free pdf | NS0-516 Braindumps | CRN-BC test prep | 212-055 test Questions | CAT-220 examcollection | QQ0-401 test prep | PMGT-BC demo test | CCSP test prep | PCNSC english test questions | HPE6-A69 examcollection | BONENT-CPDN certification demo | HPE0-S54 Study help | NailTech test questions | NCE Free test PDF | 4A0-103 Real test Questions | DCPP-01 mock questions | I10-002 Braindumps |


IIA-CRMA - Certification in Risk Management Assurance (CRMA) PDF Questions
IIA-CRMA - Certification in Risk Management Assurance (CRMA) course outline
IIA-CRMA - Certification in Risk Management Assurance (CRMA) PDF questions
IIA-CRMA - Certification in Risk Management Assurance (CRMA) test contents
IIA-CRMA - Certification in Risk Management Assurance (CRMA) test prep
IIA-CRMA - Certification in Risk Management Assurance (CRMA) Free PDF
IIA-CRMA - Certification in Risk Management Assurance (CRMA) Free PDF
IIA-CRMA - Certification in Risk Management Assurance (CRMA) Test Prep
IIA-CRMA - Certification in Risk Management Assurance (CRMA) cheat sheet
IIA-CRMA - Certification in Risk Management Assurance (CRMA) test Questions
IIA-CRMA - Certification in Risk Management Assurance (CRMA) study tips
IIA-CRMA - Certification in Risk Management Assurance (CRMA) Latest Topics
IIA-CRMA - Certification in Risk Management Assurance (CRMA) test contents
IIA-CRMA - Certification in Risk Management Assurance (CRMA) PDF Questions
IIA-CRMA - Certification in Risk Management Assurance (CRMA) learn
IIA-CRMA - Certification in Risk Management Assurance (CRMA) test
IIA-CRMA - Certification in Risk Management Assurance (CRMA) test help
IIA-CRMA - Certification in Risk Management Assurance (CRMA) exam
IIA-CRMA - Certification in Risk Management Assurance (CRMA) Study Guide
IIA-CRMA - Certification in Risk Management Assurance (CRMA) real questions
IIA-CRMA - Certification in Risk Management Assurance (CRMA) PDF Questions
IIA-CRMA - Certification in Risk Management Assurance (CRMA) real questions
IIA-CRMA - Certification in Risk Management Assurance (CRMA) Free test PDF
IIA-CRMA - Certification in Risk Management Assurance (CRMA) test Questions
IIA-CRMA - Certification in Risk Management Assurance (CRMA) Premium PDF
IIA-CRMA - Certification in Risk Management Assurance (CRMA) test help
IIA-CRMA - Certification in Risk Management Assurance (CRMA) Test Prep
IIA-CRMA - Certification in Risk Management Assurance (CRMA) Latest Topics
IIA-CRMA - Certification in Risk Management Assurance (CRMA) PDF Download
IIA-CRMA - Certification in Risk Management Assurance (CRMA) real questions
IIA-CRMA - Certification in Risk Management Assurance (CRMA) testing
IIA-CRMA - Certification in Risk Management Assurance (CRMA) test contents
IIA-CRMA - Certification in Risk Management Assurance (CRMA) study help
IIA-CRMA - Certification in Risk Management Assurance (CRMA) teaching
IIA-CRMA - Certification in Risk Management Assurance (CRMA) Practice Questions
IIA-CRMA - Certification in Risk Management Assurance (CRMA) test
IIA-CRMA - Certification in Risk Management Assurance (CRMA) information source
IIA-CRMA - Certification in Risk Management Assurance (CRMA) actual Questions
IIA-CRMA - Certification in Risk Management Assurance (CRMA) test
IIA-CRMA - Certification in Risk Management Assurance (CRMA) guide
IIA-CRMA - Certification in Risk Management Assurance (CRMA) information hunger
IIA-CRMA - Certification in Risk Management Assurance (CRMA) actual Questions
IIA-CRMA - Certification in Risk Management Assurance (CRMA) learning
IIA-CRMA - Certification in Risk Management Assurance (CRMA) information source

Other IIA Practice Tests


CCSA test example | CIA-I test results | CFSA test prep | IIA-CRMA test prep questions | IIA-ACCA free questions | CIA-III mock questions | CIA-II practice questions | IIA-CIA-Part3-3P free pdf | IIA-CRMA-ADV test prep |


Best practice tests You Ever Experienced


PCIP3-0 Test Prep | 2V0-51.23 Practice Questions | COCN boot camp | HPE2-CP02 test prep | HD0-200 pdf study guide | SBAC test tips | C1000-168 free test papers | EUCOC test prep | HPE6-A85 practical test | LSAT-Logical-Reasoning practice questions | CTFL-PT examcollection | H31-211 test questions | NCC download | PEGAPCSSA86V1 cram | IIA-ACCA practice exam | 7495X practice exam | 2V0-31.21 free questions | C1000-116 free study guide | APHN-BC Study Guide | ISO-IEC-27001-Lead-Auditor free practice tests |





References :





Similar Websites :
Pass4sure Certification test Practice Tests
Pass4Sure Certification Question Bank






Direct Download

IIA-CRMA 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-CRMA Reviews

100% Valid and Up to Date IIA-CRMA 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