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 MB-240?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der MB-240: Microsoft Dynamics 365 for Field Service Prüfung.

2023 Updated Actual MB-240 questions as experienced in Test Center

Aktuelle MB-240 Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz

Microsoft Dynamics 365 for Field Service braindump questions with Latest MB-240 practice questions | https://www.easyfinanz.cc/

Microsoft MB-240 : Microsoft Dynamics 365 for Field Service test Dumps

Exam Dumps Organized by Martin Hoax



Latest 2023 Updated Syllabus
MB-240 test Dumps | Latest Braindumps with genuine Questions

Real Questions from Latest courses of MB-240 - Updated Daily - 100% Pass Guarantee



MB-240 trial Questions : Download 100% Free MB-240 test Dumps (PDF and VCE)

Exam Number : MB-240
Exam Name : Microsoft Dynamics 365 for Field Service
Vendor Name : Microsoft
Update : Click Here to Check Latest Update
Question Bank : Check Questions

Exactly identical MB-240 Questions and Answers as in precise test.
We provide MB-240 test queries with totally pass ensure. You need to rehearse questions no less than 24 hours for the most powerful scores inside the test. Your own personal real charge to breeze through within MB-240 examination, starts using killexams.com MB-240 examination practice queries. All MB-240 Actual Questions rejuvenated and permitted on standard premise.

If you would like Pass the genuine Microsoft MB-240 test to get work or even Excellerate your unique current place inside the business, a person has to register at killexams.com. There are many professionals amassing MB-240 genuine test issues on killexams.com. You may enjoy Microsoft Dynamics 365 for Field Service test issues in order to make confident a person goes by MB-240 examination. You might acquire up in in an attempt to date MB-240 test questions each time a man logs directly into your own bank account. There are usually a number of institutions giving MB-240 PDF Download but legit and most latest 2022 approximately time MB-240 cheat sheet is often a severe difficulty. Think more than once before you fully count on No cost Deposits supplied on the internet as you may end up not being able the particular examination. Therefore , spending the little price to get killexams MB-240 precise queries is quite a bit much better to help waste an enormous test service fees.

Features of Killexams MB-240 Question Bank
-> Instant MB-240 Question Bank acquire Access
-> Thorough MB-240 Issues and Advice
-> 98% Accomplishment Rate regarding MB-240 Test
-> Guaranteed Real MB-240 examination questions
-> MB-240 Questions Kept up to date on Frequent basis.
-> Good and 2022 Updated MB-240 test Blues
-> 100% Convenient MB-240 Test Files
-> Whole featured MB-240 VCE Test Simulator
-> Absolutely no Limit with MB-240 Test obtain Entry
-> Great Vouchers
-> 100% Guaranteed obtain Profile
-> 100% Discretion Ensured
-> completely Success Ensure
-> 100% No cost PDF Download model Questions
-> Absolutely no Hidden Expense
-> No Regular monthly Charges
-> Absolutely no Automatic Profile Renewal
-> MB-240 test Upgrade Intimation by means of Email
-> No cost Technical Support

Discount Voucher on Whole MB-240 Question Bank cheat sheet;
WC2020: 60 per cent Flat Price cut on each examination
PROF17: 10% Further Price cut on Valuation Greater than $69
DEAL17: 15% Further Price cut on Valuation Greater than 99 dollars







MB-240 test Format | MB-240 Course Contents | MB-240 Course Outline | MB-240 test Syllabus | MB-240 test Objectives


Candidates for this test are Microsoft Dynamics 365 Customer Engagement functional consultants with Field Service expertise. Candidates are responsible for implementing solutions that manage resources that complete the field service lifecycle.

Candidates implement the field service processes designed in collaboration with internal and external teams. This collaboration includes configuring the default administration areas of the Field Service application, deploying the Connected Field Service (IoT) solution and the mobile application, and implementing any additional needed customizations. Candidates are responsible for the configuration and deployment of the Field Service application in conjunction with the core customer service application.

Candidates must have knowledge of how to configure and customize components of the Field Service application, including configuring services, resources, characteristics, incidents, inventory integration, service agreements, resource scheduling, work orders, service tasks, field service user roles, field service settings, the Connected Field Service (IoT) solution, and configuration of the Field Service Mobile app.

Configure field service applications (20-25%)
Manage work orders (15-20%)
Schedule and dispatch work orders (20-25%)
Manage field service mobility (10-15%)
Manage inventory and purchasing (10-15%)
Manage assets and agreements (10-15%)

Configure field service applications (20-25%)
Configure general settings
 determine and configure field service security roles
 determine and configure resource scheduling options
 identify and configure field service entities
 determine and configure product and service categories
 configure territories, postal codes and organizational units
 determine and configure skill types
 configure characteristics and skills
 configure proficiency models
 implement resource roles and categories
 set defaults for work orders, bookings, the schedule board, and agreements
Configure product and service pricing
 create a product or service
 configure minimum charge amount and duration
 add products and services to incidents
 determine when a product has a default list price and a work order price list
 associate products and services with price lists
 define tax codes
 set up price list validity dates
Configure bookable resources
 manage bookable resources
 enable mapping functionality
 configure geocoding
 define start and end locations for resources
 define work hours for resources
 set up bookable resource categories, characteristics, and resource pay types
 set up bookable resource territories
 set up resource pools and crews
Integrate other tools with Field Service
 determine uses for Remote Assist
 benefits of using Resource Scheduling Optimization
 benefits of Connected Field Service
 using Push Notifications on the mobile app

Manage work orders (15-20%)
Describe the work order lifecycle
 configure work orders, work order types, and priority
 configure work order lifecycle stages
 configure booking status and work order status values
 configure uses and capabilities for billing accounts, service accounts, and sub-accounts
Create and manage work orders
 create a work order from an incident or an opportunity
 add status and sub-status information to a work order
 organize work orders and resources by geography
 associate a work order and a price list
 identify processes to close a work order
Manage incidents
 configure incident types
 configure service task types
 add service tasks, products, and services
 configure Requirement Groups
 attach Guides to Service Tasks

Schedule and dispatch work orders (20-25%)
Manage scheduling options
 schedule work orders using Schedule Board and Schedule Assistant
 determine when to use each scheduling option
 enable scheduling board geocoding
 manually schedule work orders
 reassign and reschedule work orders
 move incomplete work orders
 understand resource utilization
Implement the Schedule Board
 identify features and uses for Booking Requirements view
 implement the integrated map feature
 create additional schedule boards
 configure schedule boards
 customize the schedule board
 define booking rules
 facility Scheduling
Implement the Schedule Assistant
 apply constraints to resource queries
 filter data
 specify a search radius
Configure Resource Scheduling Optimization (RSO)
 create optimizing profiles
 define objectives and constraints
 configure optimization of resources
 geocoding for travel time
Configure Universal Resource Scheduling
 determine Universal Resource Scheduling use scenarios
 components of Universal Resource Scheduling
 configure URS for field service
 fields passed from work order to requirements
 create requirement views
 configure an entity to be schedulable

Manage field service mobility (10-15%)
Install and configure the mobile app
 configure actions that field agents can perform
 configure the mobile app
 configure display customizations
 assign security roles
 administer connected devices
 integrate with Dynamics 365 Guides
 add Guides to HoloLens app
Manage mobile projects
 identify project artifacts that can be modified or edited
 modify configuration settings
 publish a mobile project
 Mobile Device Management, security and synchronization

Manage inventory and purchasing (10-15%)
Manage inventory
 set up inventory and warehouses
 view product inventory
 adjust inventory levels
 transfer inventory
 determine when to integrate inventory with Enterprise Resource Planning application
Manage purchasing and product returns
 determine the purchase order process
 create purchase orders
 create a list of receivable products for a purchase order
 determine product return options
 create return merchandise authorizations (RMAs) and return to vendor (RTV)
 finalize returns

Manage assets and agreements (10-15%)
Create and manage agreements
 determine when to use agreements
 define and configure agreement preferences and settings
 configure automatic generation of bookings
 configure automatic generation of invoices
 define Service Level Agreements (SLAs)
 enable SLAs
 add an SLA to a Work Order
 using Entitlements
Manage customer assets
 create and register customer assets
 configure products to auto-create customer assets
 associate work orders with customer assets
 create child assets
 determine opportunities for Internet of Things (IoT)
 configure Connected Field Service
 manage IoT devices



Killexams Review | Reputation | Testimonials | Feedback


Did you tried this great source of genuine MB-240 test questions.
The extremely good element about your question bank is the reasons provided with the answers. It allows us to understand the difficulty conceptually. I had registered for the MB-240 query financial organization and had a lengthy long past through it three-four instances. In the exam, I attempted all the questions beneath 40 minutes and scored 90 marks. Thanks for making it easy for us. Heartly manner to killexams.com team, with the help of your version questions.


It is nice to have MB-240 genuine test questions.
Much obliged to the one and simplest killexams.com. It is the maximum truthful system to pass the exam. I will thank the killexams.com Questions and Answers test result, for my fulfillment in the MB-240. test becomes only 3 weeks beforehand after I started to study this aide and it employed for me. I scored 89%, identifying how to complete the test in due time.


Am i able to find real test Questions & Answers of MB-240 exam?
I got 79% in MB-240 exam. Your test material became very helpful. A massive Thank you killexams!


It is brilliant great to read MB-240 test with genuine test questions.
killexams.com had enabled a pleasurable revel in the whole while I used MB-240 practice resource from it. I observed the study publications, test engine and, MB-240 to each tiniest little detail. It was due to such an excellent way that I became talented in the MB-240 test curriculum in a count of days and was given the MB-240 certification with excellent marks. I am so thankful to every unmarried man or woman in the back of the killexams.com platform.


Do not forget to study these real MB-240 test questions for exam.
I passed the test with a fulfilling 84% mark in the stipulated time. Thanks very much killexams. Through and using, it grows to be difficult to do top to bottom observe proceeding with a full-time work. At that factor, I became to the Questions and Answers of killexams. Its concise answers helped me to see a few complicated subjects. I selected to sit for the test MB-240 to attain also development in my career.


Microsoft for syllabus

Whilst it is very hard task to choose reliable test Questions and Answers 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 trial brain dumps, their test simulator and you will definitely know that killexams.com is the best brain dumps site.

Is Killexams.com Legit?
Absolutely yes, Killexams is 100 % legit and even fully trusted. There are several includes that makes killexams.com genuine and straight. It provides current and 100 % valid test dumps that contains real exams questions and answers. Price is suprisingly low as compared to the majority of the services on internet. The Questions and Answers are current on ordinary basis utilizing most latest brain dumps. Killexams account setup and products delivery is extremely fast. Data downloading is usually unlimited and fast. Assistance is avaiable via Livechat and Email. These are the features that makes killexams.com a strong website that provide test dumps with real exams questions.



Which is the best braindumps site of 2023?
There are several Questions and Answers provider in the market claiming that they provide genuine test Questions, Braindumps, Practice Tests, Study Guides, cheat sheet and many other names, but most of them are re-sellers that do not update their contents frequently. Killexams.com is best website of Year 2023 that understands the issue candidates face when they spend their time studying obsolete contents taken from free pdf obtain sites or reseller sites. Thats why killexams.com update test Questions and Answers 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 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 courses of new syllabus, They recommend to obtain PDF test Questions from killexams.com and get ready for genuine exam. When you feel that you should register for Premium Version, Just choose visit killexams.com and register, you will receive your Username/Password in your Email within 5 to 10 minutes. All the future updates and changes in Questions and Answers will be provided in your obtain Account. You can obtain Premium test Dumps files as many times as you want, There is no limit.

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




CBDE PDF Dumps | Scrum-PSM-II questions obtain | OG0-092 boot camp | AD0-E106 Practice Questions | 350-201 Cheatsheet | 71301X practice test | Salesforce-OmniStudio-Developer test prep | 300-720 braindumps | 312-50v12 test answers | CTEP braindumps | SAFe-Practitioner free pdf obtain | AZ-204 study guide | DP-900 test Questions | NCSE-Level-1 Study Guide | 1V0-41.20 cram | Nutanix-NCP braindump questions | PMI-001 cbt | PCAP-31-03 certification trial | CRT-160 Free test PDF | 010-151 practice test |


MB-240 - Microsoft Dynamics 365 for Field Service test dumps
MB-240 - Microsoft Dynamics 365 for Field Service Cheatsheet
MB-240 - Microsoft Dynamics 365 for Field Service test success
MB-240 - Microsoft Dynamics 365 for Field Service test Questions
MB-240 - Microsoft Dynamics 365 for Field Service Free test PDF
MB-240 - Microsoft Dynamics 365 for Field Service information source
MB-240 - Microsoft Dynamics 365 for Field Service genuine Questions
MB-240 - Microsoft Dynamics 365 for Field Service course outline
MB-240 - Microsoft Dynamics 365 for Field Service PDF Questions
MB-240 - Microsoft Dynamics 365 for Field Service braindumps
MB-240 - Microsoft Dynamics 365 for Field Service test dumps
MB-240 - Microsoft Dynamics 365 for Field Service study tips
MB-240 - Microsoft Dynamics 365 for Field Service Practice Questions
MB-240 - Microsoft Dynamics 365 for Field Service certification
MB-240 - Microsoft Dynamics 365 for Field Service course outline
MB-240 - Microsoft Dynamics 365 for Field Service PDF Braindumps
MB-240 - Microsoft Dynamics 365 for Field Service education
MB-240 - Microsoft Dynamics 365 for Field Service information search
MB-240 - Microsoft Dynamics 365 for Field Service study help
MB-240 - Microsoft Dynamics 365 for Field Service braindumps
MB-240 - Microsoft Dynamics 365 for Field Service PDF Dumps
MB-240 - Microsoft Dynamics 365 for Field Service Latest Questions
MB-240 - Microsoft Dynamics 365 for Field Service certification
MB-240 - Microsoft Dynamics 365 for Field Service study help
MB-240 - Microsoft Dynamics 365 for Field Service exam
MB-240 - Microsoft Dynamics 365 for Field Service PDF Dumps
MB-240 - Microsoft Dynamics 365 for Field Service Test Prep
MB-240 - Microsoft Dynamics 365 for Field Service test contents
MB-240 - Microsoft Dynamics 365 for Field Service braindumps
MB-240 - Microsoft Dynamics 365 for Field Service test
MB-240 - Microsoft Dynamics 365 for Field Service real questions
MB-240 - Microsoft Dynamics 365 for Field Service test Braindumps
MB-240 - Microsoft Dynamics 365 for Field Service information source
MB-240 - Microsoft Dynamics 365 for Field Service test Questions
MB-240 - Microsoft Dynamics 365 for Field Service test dumps
MB-240 - Microsoft Dynamics 365 for Field Service tricks
MB-240 - Microsoft Dynamics 365 for Field Service test format
MB-240 - Microsoft Dynamics 365 for Field Service test success
MB-240 - Microsoft Dynamics 365 for Field Service teaching
MB-240 - Microsoft Dynamics 365 for Field Service test syllabus
MB-240 - Microsoft Dynamics 365 for Field Service teaching
MB-240 - Microsoft Dynamics 365 for Field Service learn
MB-240 - Microsoft Dynamics 365 for Field Service boot camp
MB-240 - Microsoft Dynamics 365 for Field Service test contents
MB-240 - Microsoft Dynamics 365 for Field Service information source
MB-240 - Microsoft Dynamics 365 for Field Service learn
MB-240 - Microsoft Dynamics 365 for Field Service study help
MB-240 - Microsoft Dynamics 365 for Field Service test Questions
MB-240 - Microsoft Dynamics 365 for Field Service test success
MB-240 - Microsoft Dynamics 365 for Field Service Questions and Answers
MB-240 - Microsoft Dynamics 365 for Field Service PDF Questions
MB-240 - Microsoft Dynamics 365 for Field Service test Questions
MB-240 - Microsoft Dynamics 365 for Field Service study tips


MB-220 PDF Dumps | MD-100 free test papers | PL-200 study material | MS-900 prep questions | AI-102 study guide | AZ-305 study guide | MS-600 free practice questions | AZ-140 free online test | AZ-800 practice questions | MS-500 free pdf | AZ-900 questions answers | MB-330 Free PDF | PL-900 Free test PDF | PL-500 brain dumps | AZ-204 test Questions | AZ-801 free pdf | MB-800 cbt | MS-101 test prep | MB-210 pass test | AZ-104 study guide |


Best Certification test Dumps You Ever Experienced


MS-203 Free PDF | MS-100 braindumps | MB-330 test dumps | MB-910 braindumps | AZ-305 practice test | MS-740 dump | AZ-304 test dumps | MD-100 free pdf | DA-100 practical test | MS-500 practice test | AZ-204 practice questions | DP-500 mock test | MO-201 test Questions | MB-240 examcollection | DP-300 practice test | DP-100 english test questions | MB-320 test questions | MS-700 pass test | AZ-104 boot camp | MB-300 Latest Questions |





References :


http://killexams-braindumps.blogspot.com/2020/06/download-links-for-cheatsheet-to-pass.html
http://ge.tt/7gFegh43
https://killexams-posting.dropmark.com/817438/23654505
https://www.instapaper.com/read/1321179804
https://www.4shared.com/office/vq6yIfw9ea/Microsoft-Dynamics-365-for-Fie.html
https://sites.google.com/view/killexams-mb-240-bootcamp
https://www.clipsharelive.com/video/4088/moff-en-microsoft-operations-framework-foundation-real-exam-questions-and-answers-by-killexams-com
http://killexams.decksrusct.com/blog/certification-exam-dumps/mb-240-microsoft-dynamics-365-for-field-service-dumps-with-real-questions-by-killexams-com/
https://ello.co/killexamz/post/bdq0uzup7qjufg-wkxfzag
https://drp.mk/i/yBWVrfb6rL
https://spaces.hightail.com/space/v47qz1ixkg/files/fi-b915c578-e46c-4275-9c58-970c5a4f1659/fv-f61df5b7-b045-42e4-8b43-5479011fa775/Microsoft-Dynamics-365-for-Field-Service-(MB-240).pdf
https://justpaste.it/MB-240
http://feeds.feedburner.com/ReviewMb-240RealQuestionAndAnswersBeforeYouTakeTest
https://files.fm/f/stynjn3qw



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






Direct Download

MB-240 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.

MB-240 Reviews

100% Valid and Up to Date MB-240 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