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 LSAT?
Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der LSAT: Law School Admission Test (LSAT) Prüfung.
2023 Updated Actual LSAT questions as experienced in Test Center
Aktuelle LSAT Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz
![]() Admission-Tests LSAT : Law School Admission Test (LSAT) ACTUAL EXAM QUESTIONSExam Dumps Organized by Lee |
Latest 2023 Updated Admission-Tests Law School Admission Test (LSAT) Syllabus
LSAT ACTUAL EXAM QUESTIONS / Braindumps contains actual test Questions
Practice Tests and Free VCE Software - Questions Updated on Daily Basis
Big Discount / Cheapest price & 100% Pass Guarantee
LSAT Exam Center Questions : Download 100% Free LSAT ACTUAL EXAM QUESTIONS (PDF and VCE)
Exam Number : LSAT
Exam Name : Law School Admission Test (LSAT)
Vendor Name : Admission-Tests
Update : Click Here to Check Latest Update
Question Bank : Check Questions
Download from unlimited killexams.com LSAT Questions and Answers
Killexams.com's test prep Exam Cram serves everyone who needs to pass the LSAT exam, including LSAT Exam Questions, which you can easily make your study guide, and VCE test simulator that you can use to practice and memorize the LSAT Exam Cram. Their Admission-Tests LSAT Exam Questions questions are precisely the same as the actual exam.
If you're looking for the latest and most up-to-date ACTUAL EXAM QUESTIONS to pass the Admission-Tests LSAT test and land a high-paying job, look no further than killexams.com. By enrolling with their exceptional discount coupons, you can get the 2023-refreshed genuine LSAT questions. Their team of experts works tirelessly to gather genuine LSAT test questions, ensuring you'll pass the LSAT test with ease. Plus, with a 100% discount guarantee, you can get refreshed LSAT test questions for free every time.
While some organizations may offer LSAT Exam dumps, it's crucial to ensure you have the most valid and 2023-up-to-date LSAT Exam Braindumps. Don't rely on free dumps available on the web - instead, reconsider killexams.com for the most reliable LSAT Exam Braindumps available. Don't miss out on your opportunity to pass the Admission-Tests LSAT test and advance your career - enroll with killexams.com today.

LSAT test Format | LSAT Course Contents | LSAT Course Outline | LSAT test Syllabus | LSAT test Objectives
The LSAT (Law School Admission Test) is a standardized test required for admission in law schools in countries such as the US, Canada, Australia etc. It is offered 4 times in a year (6 times starting from 2018-19). The total duration of the test is 3 hours and 30 minutes excluding all breaks. The maximum score one can attain on the test is 180, and the average score is ~150. The basic cost of the test is $175, but there are other fees involved as well.
It is a paper-based test and contains 5 sections of 35 minutes each. The test is MCQ-based. One section is experimental and does not contribute to the final score of the candidate.
Logical Reasoning (2 sections): the section tests the candidates ability to analyze, think critically, and evaluate an argument on its objective merits.
Reading Comprehension (1 section): the section tests the ability to derive information from complex written text, make relevant connections and glean insights.
Analytical Reasoning (1 section): the section tests the ability to interpret the make-up of relationships and deriving logical reasoning about the structure at hand.
Another 35 minute writing section (unscored) is administered at the end of the test, which is sent to all the schools. A “good LSAT score” is dependent upon your target schools, and the top law schools have a steep demand in terms of the score (170+ out of 180).
LSAT Syllabus
The following broad question types are a part of the LSAT analytical/logical reasoning:
- must be true and main point questions
- conditional statements, analyzing arguments, additive inferences
- strengthen and weaken arguments
- linear and advanced linear games
- grouping principles and numerical distributions
- rare games types such as circular, pattern and mapping games
- case and effect reasoning
- necessary and sufficient assumptions
- flaws in reasoning, parallel reasoning
- resolving paradox
Analytical Reasoning
Analytical Reasoning aka logic games is one of the most hyped sections of the LSAT, and for a good reason. The section tests the ability to understand the logical structures and their interconnecting parts.
The candidate is expected to employ deductive reasoning from a set of principles that can describe relationships among things, people or circumstances. The skills that are tested on this section have strong parallels to the case where one needs to discover truth given a set of regulations, conditions or a contract.
The questions appear in sets, and each set is dependent on a passage. For example, a passage might describe 8 dignitaries that need to sit around a table, and the protocols are specified alongside regarding who can sit where.
The test taker needs to understand the logical implications of the presented information, and also accommodate possible changes through additional information (if any). You might be asked if a particular seating arrangement is possible, impossible neighbor-pairs etc.
The games will be a mix of different types – linear, grouping, a combination, or even something obscure like pattern/mapping etc. After enough practice sessions, youll likely discover that you are stronger in some logic games and weaker in others.
Plus, some games are inherently difficult than others – a basic linear game that is well-defined and balanced is far easier than a partially defined grouping game. You should attack the game types you are most comfortable with in order to gain momentum.
Moreover, try solving a game that has a larger number of questions associated with it: the return on your effort/time is proportionally higher. Diagramming skills come in handy when it comes to logic games.
Logical Reasoning
Logical Reasoning questions require you to read a passage and answer corresponding questions. The questions test the ability to critically analyze and understand arguments presented in everyday language.
The main skills that are tested relate to arriving at evidence-backed arguments, determining the effect of an evidence on an argument, reasoning by analogy, and identifying the flaws in a set of arguments. The source of the questions is scholarly publications and general interest newspapers/magazines/advertisements.
The arguments presented are modeled after the type of arguments one might encounter during legal reasoning. It is not assumed that a candidate knows about the logical terminology such as “ad hominem” or “syllogism”.
Both the logical reasoning sections have about 25 questions each. There are about 13 question types in total, and mostly 9-10 types occur with the most frequency. Moreover, the difficulty of the questions tends to increase as one progresses with the section.
A question can “appear” to be difficult based on your areas of strength/interests, or it can be inherently difficult. For instance, a simple conditional reasoning question is easier to tackle when compared to a long parallel reasoning question.
Solving the questions in this section over at least a couple of passes is a good idea: picking the “low-hanging fruits” first. Shorter questions tend to be simpler and take lesser time.
It is imperative to not get bogged down by any question — one cannot afford to waste too much time. This ensures that your time is spent on solving questions that have the highest chance of adding to your final score.
Reading Comprehension
Reading Comprehension contains 4 sets of reading questions, and you need to answer 5-8 questions based on the provided reading material. The main skill tested is the ability to derive insights from lengthy and often complex material. The practice of law requires a broad reading of pithy and complex texts and requires judgment when it comes to separating the wheat from the chaff.
3 of the 4 sets contain just a single passage. The single passages generally focus on the understanding of terms, holistic themes, authors tone/opinion, and function of a paragraph or the passage. One set contains 2 short passages that are related, called Comparative Reading.
The passages depend upon each other in different ways, and the candidate needs to identify the underlying relationship among the passages. The relationship between the passages can be spread across the whole spectrum- from the authors of the passages in overall agreement, to directly opposed arguments.
The passages will be from different areas: science, law, humanities, and interdisciplinary. Generally, the text is fairly abstruse, uses high-level vocabulary, and presents rhetoric in an advanced manner. Based on your interests and other factors, the passages can appear to be easy or difficult.
The inherent difficulty of the passage is hard to detect in the starting and might only present itself as you start answering questions. You should ideally start from the passage based on a topic/area you feel the most confident about as it will help in establishing momentum and building confidence.
Killexams Review | Reputation | Testimonials | Feedback
excellent material updated actual test questions, correct answers.
Passing the LSAT partner test was a breeze thanks to the preparation materials provided by killexams.com. There was no anxiety or sadness, and I felt confident and well-prepared. The Braindumps package was a great resource, and the money-back certain is proof of its effectiveness.
Got no problem! 3 days preparation of LSAT LaACTUAL EXAM QUESTIONS is required.
I have never come across better test education than what killexams.com offers for the LSAT exam. I passed the test without any stress, problems, or frustrations, as I knew everything I needed to comprehend from killexams.com's LSAT Questions set. The questions are valid, and their cashback certain works, too. They make it easy to pass, and I will use them for my next certification test.
Got no issue! 24 hours prep of LSAT actual test questions is sufficient.
The author mentioned that the LSAT certification test is known for being particularly tough, but they found it manageable with the help of killexams.com's study materials. They especially appreciated the Braindumps provided on the website, which they found to be similar to the real test questions. This helped them to prepare thoroughly and feel confident on test day.
Did you tried this amazing source laACTUAL EXAM QUESTIONS.
Killexams.com was a pleasing platform for guidance, and taking the LSAT practice questions there gave me the necessary level of guidance to score well on the exam. I enjoyed the way I got things done in a thrilling manner, and with their help, I had been able to develop well within life. It made my practice a great deal less difficult, and I recommend killexams.com to anyone in need of a reliable test preparation platform.
Where can i obtain LSAT test study help on internet?
The person-friendly LSAT test simulator and actual LSAT Braindumps are the true achievements of killexams.com, not mine.
Admission-Tests Law guide
HC Questions DU's Decision Of Admission To 5-Yr Law Courses Through CLAT, Not CUETNo result found, try new keyword!During the hearing, the counsel for DU submitted that the varsity has started the five-year integrated law course this year only and if a stay is granted on the operation of the August 4 notification, ...KEBS Clarifies CEO's Admission on Not Testing Supermarket ProductsKenya Bureau of Statistics (KEBS) now claims that the statement by Acting Managing Director, Esther Ngari, that some products manufactured locally and sold in supermarkets and not tested was taken out of context. In a statement issued on Friday, August 11, the agency revealed that for products to be placed on the shelves, they need to have a diamond mark of quality - a superior mark issued only after the product undergoes a thorough testing process. The question of fake products entering the market surfaced after Ngari, on Thursday, August 10, admitted that the agency trusts the manufacturers, who are certified, to protect consumers by selling high-quality goods. "Issuance of the standardisation mark attests to an assessed capability to manufacture compliant products but does not transfer the responsibility for ensuring compliance of the specific products being manufactured in the assessed factory to the government or the regulator," Ngari stated while appearing before the Public Accounts Committee (PAC). A photo of a supermarket in Kenya. Photo HerBusiness KEBS thus argued that products undergo a five-step process to ensure compliance with the current standards in the market. The first process involves vetting the manufacturer to verify that they are a registered legal entity. KEBS then inspects the manufacturing premises to assess the capability of the manufacturing process to certain that the products will be safe for human use or consumption. "This entails controls to ensure that the raw materials used are of the right quality, production is managed within specified conditions, and final products are properly packaged and labelled per the required standards. "Further, the manufacturer is required to test or make arrangements for testing their products on a regular basis. Records of these quality measures must be maintained and produced to KEBS for verification during surveillance inspections," KEBS statement read in part. The agency also added that it samples and tests the product before issuing a certification mark. The manufacturer must sign a certification contract with KEBS, which is a systematic guide to certain that the manufacturer shall implement the quality assurance activities as agreed throughout the validity period. According to KEBS, it continuously monitors the products after they are released to the public during the certification's validity period. Additionally, the agency conducts surveillance inspections, with sampling done at the factory or market. "Manufacturing and monitoring are two distinct realms. While KEBS defines and oversees adherence to standards, manufacturers are responsible for producing goods that meet these benchmarks. "This dynamic creates a system anchored in trust - a trust fortified by stringent protocols and consequential penalties for deviations," the statement read in part. KEBS emphasised that its mandate is to provide standardisation and ensure that products sold in the market conform to the standards to enhance and safeguard and enhance the life of the consumer. Meanwhile, Ngari's admission raised concerns from the members of the Public Accounts Committee (PAC) who claimed the agency was sleeping on its mandate. "We need to amend the law to provide punitive measures such as life imprisonment for KEBS officials exposing the lives of people," PAC chair, Nominated MP John Mbadi, stated during the proceedings. A photo of Kenya National Assembly. Photo Parliament of Kenya |
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 ACTUAL EXAM QUESTIONS 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 ACTUAL EXAM QUESTIONS site.
Which is the best dumps website?
Of course, Killexams is hundred percent legit as well as fully good. There are several includes that makes killexams.com real and respectable. It provides updated and hundred percent valid ACTUAL EXAM QUESTIONS including real exams questions and answers. Price is suprisingly low as compared to almost all of the services online. The Braindumps are refreshed on usual basis utilizing most latest brain dumps. Killexams account launched and device delivery can be quite fast. Submit downloading is actually unlimited and also fast. Help support is avaiable via Livechat and Email. These are the characteristics that makes killexams.com a strong website that supply ACTUAL EXAM QUESTIONS 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 2023 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. ACTUAL EXAM QUESTIONS provided by killexams.com are Reliable, Up-to-date and validated by Certified Professionals. They maintain question bank 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 subjects 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 ACTUAL EXAM 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.
SC-300 free pdf | 300-535 Test Prep | 3171T Study Guide | AZ-900 test Questions | CAT-220 study guide | ASM braindump questions | 050-894 mock questions | BCCPP practice questions | LE0-583 test questions | 76940X test questions | 350-601 free pdf | CTFL-2018 practice questions | WHNP braindump questions | 1T6-222 dumps | 2B0-011 dump | SABE201 practice questions | UIPATH-ARDV1 certification sample | Service-Cloud-Consultant test Questions | MB-220 PDF Dumps | PAM-DEF braindump questions |
LSAT - Law School Admission Test (LSAT) guide
LSAT - Law School Admission Test (LSAT) test Braindumps
LSAT - Law School Admission Test (LSAT) ACTUAL EXAM QUESTIONS
LSAT - Law School Admission Test (LSAT) outline
LSAT - Law School Admission Test (LSAT) PDF Braindumps
LSAT - Law School Admission Test (LSAT) Free PDF
LSAT - Law School Admission Test (LSAT) course outline
LSAT - Law School Admission Test (LSAT) course outline
LSAT - Law School Admission Test (LSAT) Questions and Answers
LSAT - Law School Admission Test (LSAT) education
LSAT - Law School Admission Test (LSAT) techniques
LSAT - Law School Admission Test (LSAT) study help
LSAT - Law School Admission Test (LSAT) ACTUAL EXAM QUESTIONS
LSAT - Law School Admission Test (LSAT) PDF Questions
LSAT - Law School Admission Test (LSAT) Latest Topics
LSAT - Law School Admission Test (LSAT) PDF Dumps
LSAT - Law School Admission Test (LSAT) information source
LSAT - Law School Admission Test (LSAT) PDF Braindumps
LSAT - Law School Admission Test (LSAT) Latest Questions
LSAT - Law School Admission Test (LSAT) Free test PDF
LSAT - Law School Admission Test (LSAT) test Braindumps
LSAT - Law School Admission Test (LSAT) real questions
LSAT - Law School Admission Test (LSAT) Free test PDF
LSAT - Law School Admission Test (LSAT) questions
LSAT - Law School Admission Test (LSAT) PDF Dumps
LSAT - Law School Admission Test (LSAT) PDF Download
LSAT - Law School Admission Test (LSAT) PDF Download
LSAT - Law School Admission Test (LSAT) test Questions
LSAT - Law School Admission Test (LSAT) testing
LSAT - Law School Admission Test (LSAT) PDF Download
LSAT - Law School Admission Test (LSAT) study help
LSAT - Law School Admission Test (LSAT) questions
LSAT - Law School Admission Test (LSAT) syllabus
LSAT - Law School Admission Test (LSAT) PDF Questions
LSAT - Law School Admission Test (LSAT) study tips
LSAT - Law School Admission Test (LSAT) ACTUAL EXAM QUESTIONS
LSAT - Law School Admission Test (LSAT) testing
LSAT - Law School Admission Test (LSAT) test Cram
LSAT - Law School Admission Test (LSAT) boot camp
LSAT - Law School Admission Test (LSAT) teaching
LSAT - Law School Admission Test (LSAT) ACTUAL EXAM QUESTIONS
LSAT - Law School Admission Test (LSAT) book
LSAT - Law School Admission Test (LSAT) PDF Download
LSAT - Law School Admission Test (LSAT) test syllabus
Other Admission-Tests ACTUAL EXAM QUESTIONS
WorkKeys Cheatsheet | GMAT free test papers | GRE cheat sheet | GMAT-Verbal VCE | GRE-Quantitative braindumps | MAT cram | GRE-Verbal Real test Questions | SAT test preparation | LSAT-reading-comprehension past exams | CBEST PDF Braindumps | MCAT braindumps | ACT test prep | OAT practice exam | TOEFL Dumps | HESI-A2 test results | ASSET questions and answers | LSAT-Logical-Reasoning free prep | Praxis-Core bootcamp | LSAT test questions | SSAT questions download |
Best ACTUAL EXAM QUESTIONS You Ever Experienced
3X0-101 Study Guide | 1D0-610 boot camp | ACNP free test papers | DCPP-01 study material | PMI-002 free pdf | 920-220 test Cram | SPLK-3003 test prep | 701-100 examcollection | CGAP test answers | CPA-CPP test example | CPEA study guide | 700-751 PDF Download | 50-695 Practice test | H12-711 certification sample | 3X0-203 test prep | IREB dumps questions | 2B0-023 online exam | ANCC-MSN practice questions | Series-7 past bar exams | IIBA-AAC practice questions |
References :
https://www.instapaper.com/read/1314939040
https://killexams-posting.dropmark.com/817438/23625469
https://killexams-posting.dropmark.com/817438/23731033
http://killexams-braindumps.blogspot.com/2020/07/100-valid-and-up-to-date-lsat-exam.html
https://www.coursehero.com/file/67274643/Sun-Certified-Data-Management-Engineer-with-Solstice-DiskSuite-Software-310-102pdf/
http://feeds.feedburner.com/GetHighMarksInLsatExamWithTheseDumps
https://youtu.be/sOVG0ZF2MTM
https://sites.google.com/view/killexams-lsat-exam-questions
https://files.fm/f/tqhgv44ft
Similar Websites :
Pass4sure Certification ACTUAL EXAM QUESTIONS
Pass4Sure test Questions and Dumps
LSAT 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 LSAT 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