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 ISTQB-Advanced-Level-1?
Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der ISTQB-Advanced-Level-1: ISTQB Advanced Level Test & manager Exam Prüfung.
2025 Updated Actual ISTQB-Advanced-Level-1 questions as experienced in Test Center
Aktuelle ISTQB-Advanced-Level-1 Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz
![]() ASTQB ISTQB-Advanced-Level-1 : ISTQB Advanced Level Test & manager test Practice TestsPractice Tests Organized by Lee |
Latest 2025 Updated ASTQB ISTQB Advanced Level Test & manager test Syllabus
ISTQB-Advanced-Level-1 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
ISTQB-Advanced-Level-1 examcollection : Download 100% Free ISTQB-Advanced-Level-1 practice tests (PDF and VCE)
Exam Number : ISTQB-Advanced-Level-1
Exam Name : ISTQB Advanced Level Test & manager Exam
Vendor Name : ASTQB
Update : Click Here to Check Latest Update
Question Bank : Check Questions
Download free ISTQB-Advanced-Level-1 Pass Guides and Premium Questions and Ans
Elevate your career with a prestigious certification through Killexams.com. Save valuable time with instant access to their premium materials, bypassing lengthy textbooks. Even with a demanding schedule, download their ISTQB-Advanced-Level-1 PDF Download Practice Tests, featuring authentic test questions, and study the PDF guide overnight. Hone your skills with their ISTQB Advanced Level Test & manager Exam Cram Guide and Exam Questions Practice Tests, supported by their TestPrep Practice Tests, online test engine, and desktop test engine, to confidently excel in the real ISTQB-Advanced-Level-1
Numerous online Latest Questions providers exist, but many deliver outdated and invalid ISTQB-Advanced-Level-1 Latest Questions. To avoid squandering time and money on unreliable resources, it’s critical to find a valid and current ISTQB-Advanced-Level-1 TestPrep provider. They recommend visiting killexams.com, where you can download free ISTQB-Advanced-Level-1 Latest Questions sample questions to evaluate their superior quality. If satisfied, register for a three-month account to access the latest and valid ISTQB-Advanced-Level-1 TestPrep, featuring real ISTQB-Advanced-Level-1 test questions and answers. Additionally, enhance your preparation with the ISTQB-Advanced-Level-1 VCE Test Simulator, available as an Online Test Engine or Desktop Test Engine, for comprehensive practice analysis.
While many Latest Questions suppliers are available online, most provide obsolete ISTQB-Advanced-Level-1 Latest Questions. Securing a trustworthy and reputable ISTQB-Advanced-Level-1 TestPrep provider is essential, and killexams.com is a proven choice. Avoid wasting resources on ineffective materials. Visit killexams.com to download 100% free ISTQB-Advanced-Level-1 Latest Questions sample questions and confirm their quality. If satisfied, register for three to four months of access to the latest and valid ISTQB-Advanced-Level-1 Practice Test, including authentic test questions and answers. Be sure to utilize the ISTQB-Advanced-Level-1 VCE Test Simulator for effective practice with their premium practice test materials.

ISTQB-Advanced-Level-1 test Format | ISTQB-Advanced-Level-1 Course Contents | ISTQB-Advanced-Level-1 Course Outline | ISTQB-Advanced-Level-1 test Syllabus | ISTQB-Advanced-Level-1 test Objectives
Exam: ISTQB-Advanced-Level-1 (ISTQB Advanced Level Test & Manager)
Exam Details:
- Number of Questions: The test consists of multiple-choice questions.
- Time: Candidates are given a specified amount of time to complete the exam.
Course Outline:
The ISTQB Advanced Level Test & Manager certification is designed for individuals who have already obtained the ISTQB Foundation Level certification and wish to further enhance their knowledge and skills in software testing and management. The course covers the following topics:
1. Test Process Improvement
- Test process test and improvement models
- Test process measurement and metrics
- Test process improvement planning and implementation
2. Test Management
- Test planning, estimation, and control
- Test progress monitoring and reporting
- Test team management and communication
3. Test Techniques
- Static testing techniques
- Dynamic testing techniques
- Test design techniques
4. Test Tools and Automation
- Test tool selection and deployment
- Test automation frameworks and strategies
- Test tool integration and maintenance
Exam Objectives:
The ISTQB-Advanced-Level-1 test aims to assess candidates' understanding and proficiency in the following areas:
1. Test process improvement and measurement.
2. Test management, including planning, estimation, and monitoring.
3. Test techniques, both static and dynamic, for effective testing.
4. Test tools and automation, including tool selection and integration.
Exam Syllabus:
The test syllabus covers the following topics:
- Test Process Improvement
- Test process test and improvement models
- Test process measurement and metrics
- Test process improvement planning and implementation
- Test Management
- Test planning, estimation, and control
- Test progress monitoring and reporting
- Test team management and communication
- Test Techniques
- Static testing techniques
- Dynamic testing techniques
- Test design techniques
- Test Tools and Automation
- Test tool selection and deployment
- Test automation frameworks and strategies
- Test tool integration and maintenance
Candidates are expected to have a deep understanding of these syllabus and demonstrate their ability to apply the concepts and techniques in real-world testing scenarios. The test assesses their knowledge, skills, and ability to effectively manage and perform testing activities at an advanced level.
Killexams Review | Reputation | Testimonials | Feedback
Actual test questions for the latest ISTQB-Advanced-Level-1 exam! Great source.
I initially believed that preparing for the ISTQB-Advanced-Level-1 test required a traditional classroom setting, but my experience with local classes left me disappointed, as they felt inauthentic. After reevaluating my approach, I turned to killexams.com for their practice test materials. The decision proved transformative, as their comprehensive test samples provided clear, focused content that helped me achieve an impressive score on the exam. I am delighted with my choice and highly recommend killexams.com for effective preparation.
Download and try out this real ISTQB-Advanced-Level-1 question bank.
I cannot recommend Killexams.com’s ISTQB-Advanced-Level-1 practice tests enough. The questions were spot-on, and the answers were accurate—verified by peers who also passed with ease. Given the high stakes and stress of the exam, this study bundle was my safety net. Thanks to Killexams.com, I passed just as I had hoped, and I now endorse their materials to everyone.
Get these ISTQB-Advanced-Level-1 questions and answers, prepare, and relax!
As an IT professional, my skills and knowledge need to be top-notch. However, with a busy job and many responsibilities, I found it challenging to make time for thorough preparation. Thats when I discovered the well-organized Braindumps guide provided by killexams.com practice tests, which helped me achieve the right score within the stipulated time in ISTQB-Advanced-Level-1.
ISTQB-Advanced-Level-1 certification test guidance is provided to be this clear.
Question bank was incredibly useful, and I passed my ISTQB-Advanced-Level-1 test with a 68.25% score. Their database is regularly updated, and I highly recommend it to anyone pursuing ISTQB-Advanced-Level-1 certification.
Where can I obtain free ISTQB-Advanced-Level-1 test practice tests and questions?
The ISTQB Advanced Level Test & manager test exam had become challenging for me due to a lack of time for training. However, with the help of Killexams.com study materials and expert certification guide, I was able to get through most of the subjects with little effort and answered all the questions in less than 81 minutes, receiving a 97% mark.
ASTQB test exam success
ISTQB-Advanced-Level-1 Exam
User: Ishaan*****![]() ![]() ![]() ![]() ![]() Despite being ranked low amongst my classmates, registering on Killexams.com for test help helped me become one of the top-performing students. The study materials provided by Killexams.com, including the ISTQB-ADVANCED-LEVEL-1 practice tests and books, were particularly beneficial for my education. I am happy to share my appreciation for this excellent resource, and I am grateful for the opportunity to use it. |
User: Aariz*****![]() ![]() ![]() ![]() ![]() The istqb-advanced-level-1 test demanded specialized knowledge, and Killexams.com provided exactly what I needed. After three failed attempts, their Braindumps helped me finally pass. I am deeply grateful for their assistance. |
User: Slavka*****![]() ![]() ![]() ![]() ![]() Question bank was incredibly helpful for my istqb-advanced-level-1 test preparation, offering a clear idea of what to expect. The practice test simulated the real test environment, and the detailed answer keys reinforced my learning. I highly recommend their testprep resources to anyone seeking a confident and well-prepared test experience. |
User: Martin Hoax*****![]() ![]() ![]() ![]() ![]() I feel confident during exams now that I have Killexams.com as my test companion. The instructors are always available to guide me, and their support is invaluable. I am grateful to the lecturers for being so great and pleasant and helping me pass my tough istqb-advanced-level-1 exam. Their test simulator is also awesome. |
User: Zoe*****![]() ![]() ![]() ![]() ![]() Killexams.com offers a convenient and effective way to prepare for exams from home. Their test simulator closely resembles the real test, and their bundles are so reliable that I use them for all my certifications. I see no reason to look elsewhere. |
ISTQB-Advanced-Level-1 Exam
Question: Will these ISTQB-Advanced-Level-1 test prep help me pass the exam? Answer: Of course, these are the latest and up-to-date ISTQB-Advanced-Level-1 test prep that contain real ISTQB-Advanced-Level-1 test questions from test centers. When you will memorize these questions, it will help you get Good Marks in the exam. |
Question: Does killexams ensures my success in ISTQB-Advanced-Level-1 exam? Answer: Of course, killexams ensures your success with up-to-date ISTQB-Advanced-Level-1 Braindumps and the best test simulator for practice. If you memorize all the Braindumps provided by killexams, you will surely pass your exam. |
Question: Where can I download ISTQB-Advanced-Level-1 Practice Test? Answer: Yes, You can download the VCE test simulator from your MyAccount. For ISTQB-Advanced-Level-1 Practice tests, you need to Install Killexams test Simulator on your computer with Windows operating system. You can follow the steps provide at https://killexams.com/exam-simulator-installation.html to install and open the test simulator on your computer. test simulator is used to practice ISTQB-Advanced-Level-1 test questions and answers. |
Question: What discount coupon code I can use? Answer: You can see discount coupons on https://killexams.com/cart page or you can contact live chat or sales via email address to get a special discount coupon. You can also search discount coupons on google when you search killexams coupon. |
Question: There is a long list of exams, how can I search my exam? Answer: There are two ways. 1st and easiest is to go to the search screen and enter your test code or number, if you do not have an test number, you can write the test name or part of the name and you will see all the exams with the same name and you can choose from it. For example, you want to choose the TEAS Nursing school test, you can just write TEAS or nursing in the search to see all the possible exams with nursing schools. The second way is to go to the vendor by click on the products->Certification Paths and choose the vendor, like Admission Tests. You will see all the exams in the Admission Test section. You can easily choose your required exam. |
https://www.pass4surez.com/art/read.php?keyword=ASTQB+Exam+exam+success&lang=us&links=remove
Selecting a reliable source for certification test preparation can be challenging, as candidates often face risks from untrustworthy providers. At Killexams, they prioritize delivering high-quality, up-to-date practice tests to ensure their clients are well-prepared for their exams. Their commitment to excellence has earned us the trust of countless candidates who have successfully passed their certifications with ease and confidence. They take pride in maintaining their stellar reputation, never compromising on the quality of their resources or the trust their clients place in us. While some competitors may attempt to discredit us with false claims or misleading reports, they encourage you to focus on the experiences of their satisfied customers. Thousands have achieved their certification goals using Killexams’ comprehensive practice tests, PDF question banks, and advanced test simulators. Visit their platform to explore their sample practice tests and experience their cutting-edge test simulator firsthand. You’ll see why Killexams is recognized as a leading, legitimate provider of certification preparation resources, dedicated to helping you succeed.
Which is the best practice tests website?
Sure, Killexams is 100 percent legit and even fully trusted. There are several benefits that makes killexams.com unique and respectable. It provides informed and 100 percent valid test questions comprising real exams questions and answers. Price is really low as compared to a lot of the services on internet. The Braindumps are up-to-date on common basis using most recent questions. Killexams account structure and supplement delivery is quite fast. Document downloading will be unlimited as well as fast. Assistance is avaiable via Livechat and Email address. These are the features that makes killexams.com a strong website offering test prep with real exams questions.
Is killexams.com test material dependable?
There are several Braindumps provider in the market claiming that they provide real 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 2025 that understands the issue candidates face when they spend their time studying obsolete contents taken from free pdf download 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 download PDF test Questions from killexams.com and get ready for real 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 download Account. You can download Premium practice test files as many times as you want, There is no limit.
Killexams.com has provided VCE practice test 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 real Test. Go register for Test in Exam Center and Enjoy your Success.
1T6-530 pass marks | C1000-153 actual questions | Qlik-Sense-System-Administrator test test | 102-500 study guide | NLN-Pharmacology practice questions | Salesforce-Manufacturing-Cloud-Professional prep questions | AAMA-CMA Real test Questions | AZ-204 test sample | Salesforce-Marketing-Cloud-Developer free study guide | S90.05A test tips | JN0-553 english test questions | DES-5221 test questions | PMP sample test questions | BONENT-CPDN pdf test | HPE6-A47 test prep | PCCSE practice test | BCS-BAP training material | ACF-CPC test prep questions | GERO-BC practice test | DASM test prep |
ISTQB-Advanced-Level-1 - ISTQB Advanced Level Test & manager test outline
ISTQB-Advanced-Level-1 - ISTQB Advanced Level Test & manager test study help
ISTQB-Advanced-Level-1 - ISTQB Advanced Level Test & manager test guide
ISTQB-Advanced-Level-1 - ISTQB Advanced Level Test & manager test course outline
ISTQB-Advanced-Level-1 - ISTQB Advanced Level Test & manager test information hunger
ISTQB-Advanced-Level-1 - ISTQB Advanced Level Test & manager test test prep
ISTQB-Advanced-Level-1 - ISTQB Advanced Level Test & manager test learn
ISTQB-Advanced-Level-1 - ISTQB Advanced Level Test & manager test exam
ISTQB-Advanced-Level-1 - ISTQB Advanced Level Test & manager test Questions and Answers
ISTQB-Advanced-Level-1 - ISTQB Advanced Level Test & manager test test prep
ISTQB-Advanced-Level-1 - ISTQB Advanced Level Test & manager test test prep
ISTQB-Advanced-Level-1 - ISTQB Advanced Level Test & manager test cheat sheet
ISTQB-Advanced-Level-1 - ISTQB Advanced Level Test & manager test guide
ISTQB-Advanced-Level-1 - ISTQB Advanced Level Test & manager test testprep
ISTQB-Advanced-Level-1 - ISTQB Advanced Level Test & manager test study tips
ISTQB-Advanced-Level-1 - ISTQB Advanced Level Test & manager test techniques
ISTQB-Advanced-Level-1 - ISTQB Advanced Level Test & manager test tricks
ISTQB-Advanced-Level-1 - ISTQB Advanced Level Test & manager test study help
ISTQB-Advanced-Level-1 - ISTQB Advanced Level Test & manager test exam syllabus
ISTQB-Advanced-Level-1 - ISTQB Advanced Level Test & manager test Test Prep
ISTQB-Advanced-Level-1 - ISTQB Advanced Level Test & manager test Free PDF
ISTQB-Advanced-Level-1 - ISTQB Advanced Level Test & manager test boot camp
ISTQB-Advanced-Level-1 - ISTQB Advanced Level Test & manager test exam cram
ISTQB-Advanced-Level-1 - ISTQB Advanced Level Test & manager test exam success
ISTQB-Advanced-Level-1 - ISTQB Advanced Level Test & manager test practice tests
ISTQB-Advanced-Level-1 - ISTQB Advanced Level Test & manager test exam help
ISTQB-Advanced-Level-1 - ISTQB Advanced Level Test & manager test exam cram
ISTQB-Advanced-Level-1 - ISTQB Advanced Level Test & manager test exam
ISTQB-Advanced-Level-1 - ISTQB Advanced Level Test & manager test study tips
ISTQB-Advanced-Level-1 - ISTQB Advanced Level Test & manager test questions
ISTQB-Advanced-Level-1 - ISTQB Advanced Level Test & manager test Latest Questions
ISTQB-Advanced-Level-1 - ISTQB Advanced Level Test & manager test course outline
ISTQB-Advanced-Level-1 - ISTQB Advanced Level Test & manager test information source
ISTQB-Advanced-Level-1 - ISTQB Advanced Level Test & manager test Free test PDF
ISTQB-Advanced-Level-1 - ISTQB Advanced Level Test & manager test exam format
ISTQB-Advanced-Level-1 - ISTQB Advanced Level Test & manager test study tips
ISTQB-Advanced-Level-1 - ISTQB Advanced Level Test & manager test learning
ISTQB-Advanced-Level-1 - ISTQB Advanced Level Test & manager test information hunger
ISTQB-Advanced-Level-1 - ISTQB Advanced Level Test & manager test tricks
ISTQB-Advanced-Level-1 - ISTQB Advanced Level Test & manager test real Questions
ISTQB-Advanced-Level-1 - ISTQB Advanced Level Test & manager test Premium PDF
ISTQB-Advanced-Level-1 - ISTQB Advanced Level Test & manager test Exam Questions
ISTQB-Advanced-Level-1 - ISTQB Advanced Level Test & manager test test
ISTQB-Advanced-Level-1 - ISTQB Advanced Level Test & manager test Practice Questions
Other ASTQB Practice Tests
ATTA Study Guide | ISTQB-Advanced-Level-3 Test Prep | ATM mock questions | ASTQB-CMT test test | ISTQB-Advanced-Level-2 practice questions | TM12 prep questions | TA12 test exam | TTA1 free questions | ISTQB-Level-1 questions and answers | ISTQB-Advanced-Level-1 test results |
Best practice tests You Ever Experienced
PEGAPCDC87V1 free test practice | ACA-CCN english test questions | F50-528 questions download | 920-338 real questions | DCA training material | RCDDv14 Practice test | 150-130 test prep questions | S2000-018 PDF Download | NS0-003 free prep | NS0-520 test Questions | C1000-065 study questions | S1000-008 pdf questions | Tableau-Desktop-Specialist practice questions | D-UN-DY-23 questions and answers | DEA-41T1 cram | CPD-001 mock questions | A00-240 test prep | APA-CPP-Remote writing test questions | NYSTCE Questions and Answers | CPFA test practice |
References :
https://arfansaleemfan.blogspot.com/2020/08/istqb-advanced-level-1-istqb-advanced.html
https://youtu.be/EXgC9V5w_X4
https://drp.mk/i/5VLbXTwK
https://sites.google.com/view/killexams-istqb-advanced-leve
http://killexamsbraindumps.blogdigy.com/istqb-advanced-level-1-istqb-advanced-level-test-manager-exam-updated-cheet-sheet-by-killexams-com-11399602
https://www.coursehero.com/file/79411608/ISTQB-Advanced-Level-Test-manager-Exam-ISTQB-Advanced-Level-1pdf/
https://www.instapaper.com/read/1397378151
http://feeds.feedburner.com/NeverMissTheseSvc-19aQuestionsBeforeYouGoForTest
https://files.fm/f/t7mbpkfvq
Similar Websites :
Pass4sure Certification test Practice Tests
Pass4Sure Certification Question Bank
ISTQB-Advanced-Level-1 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.
100% Valid and Up to Date ISTQB-Advanced-Level-1 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