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-310?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der MB-310: Microsoft Dynamics 365 for Finance and Operations- Financials (2022) Prüfung.

2022 Updated Actual MB-310 questions as experienced in Test Center

Laden Sie MB-310 Übungstest und aktuelle Fragen herunter - easy finanz | easyfinanz

Microsoft Dynamics 365 for Finance and Operations, Financials (2022) braindump questions with Latest MB-310 practice tests | https://www.easyfinanz.cc/

Microsoft MB-310 : Microsoft Dynamics 365 for Finance and exam Dumps

Exam Dumps Organized by Martin Hoax



Latest 2022 Updated Syllabus
MB-310 exam braindumps | Latest Braindumps with actual Questions

Real Questions from Latest syllabus of MB-310 - Updated Daily - 100% Pass Guarantee



MB-310 trial Questions : Download 100% Free MB-310 exam braindumps (PDF and VCE)

Exam Number : MB-310
Exam Name : Microsoft Dynamics 365 for Finance and Operations, Financials (2022)
Vendor Name : Microsoft
Update : Click Here to Check Latest Update
Question Bank : Check Questions

The majority of update method to obtain MB-310 PDF Download is killexams. com
Simply retain their MB-310 Cheatsheet and also feel particular about the examination. You will move your MB-310 exam with Good Marks or if your money back. Looking for collected any database of MB-310 PDF Dumps from actual exams to allow you to memorize and also pass Microsoft Dynamics 365 for Finance and Operations, Financials (2022) exam on the specific initial attempt. Generally set up their exam Simulator and make. You will move the MB-310 exam.

It is just a major challenge to pick excellent Latest Questions manufacturers from numerous awful blues suppliers. If you think your desire ends up upon an awful Latest Questions supplier, your following accreditation may turn into a awful dream. It seems like looser after you fall ripped on the qualification test. This really is on the grounds that, a person depended on incorrect and out of date suppliers. They have been not declaring that each MB-310 Exam dumps distributor is a false. There is some good MB-310 precise test issues provider which has their own resources to get the nearly all refreshed and bonafide MB-310 Exam dumps. killexams.com is only one of them. They now have their own set that records 100 percent reliable, exceptional, and also solid MB-310 Exam Questions that hard in a precise test-like impress. You simply need to pay a visit to https://killexams.com/pass4sure/test detail/MB-310 and get 100 percent totally free Exam Questions associated with MB-310 ensure that you survey. Presuming you feel accomplished, register for MB-310 Exam Questions LIBRO ELECTRONICO full application form with VCE practice ensure that you become a person from astonishing achievers. All of us esteem all of their extraordinary clientele. You will definitely send all of us your research about MB-310 test knowledge later from the wake associated with breezing by genuine MB-310 test.

Here are a few changes and also overhauls have fininshed in MB-310 in 2022 and they get remembered almost all refreshes for the Actual Questions. 2022 Up-to-date MB-310 braindumps ensure your current achievement within actual checks. They highly recommend you go over the full request bank the moment before you go into the real test out. This is not because, they make the most of their MB-310 Exam Questions, they actually feel improvement into their insight. They are able to work within a genuine weather in the organization as professionals. They do not basically zero within on concluding MB-310 test out with their braindumps, however genuinely further build information about MB-310 themes and also targets. Here is the way persons become efficient.

In the event that you are interested in the Latest and also 2022 rested test blues to air flow through Microsoft MB-310 test out to find a worthwhile line of function, simply get 2022 rested genuine MB-310 questions through enrolling with killexams.com with astonishing rebate coupon codes. There are a few professionals attempting to obtain MB-310 precise test questions at killexams.com. You will Microsoft Dynamics 365 for Finance and Operations, Financials (2022) test out questions which means you finish MB-310 test. You can actually want to get refreshed MB-310 test issues each time along with a 100 percent low cost ensure. Here are a few organizations that supply MB-310 Exam dumps however large and most latest 2022 sophisticated MB-310 real questions is a main issue. Reevaluate you depend upon Free Blues given world wide web.

Features of Killexams MB-310 Exam Questions
-> Instant MB-310 Exam Questions get Access
-> Detailed MB-310 Inquiries and Replies
-> 98% Good results Rate associated with MB-310 Assessment
-> Guaranteed Genuine MB-310 test questions
-> MB-310 Questions Up-to-date on Typical basis.
-> Appropriate and 2022 Updated MB-310 exam Blues
-> 100% Convenient MB-310 Assessment Files
-> Complete featured MB-310 VCE Assessment Simulator
-> Not any Limit upon MB-310 Assessment get Easy access
-> Great Vouchers
-> 100% Guaranteed get Profile
-> 100% Secrecy Ensured
-> fully Success Ensure
-> 100% Totally free real questions structure Questions
-> Not any Hidden Charge
-> No Regular monthly Charges
-> Not any Automatic Profile Renewal
-> MB-310 exam Up-date Intimation through Email
-> Totally free Technical Support

exam Aspect at: https://killexams.com/pass4sure/exam-detail/MB-310
Pricing Particulars at: https://killexams.com/exam-price-comparison/MB-310
See Finish List: https://killexams.com/vendors-exam-list

Price cut Coupon upon Full MB-310 Exam Questions real questions;
WC2020: 60% Toned Discount to each exam
PROF17: 10% Additional Discount upon Value More than $69
DEAL17: 15% Additional Discount upon Value More than $99







MB-310 exam Format | MB-310 Course Contents | MB-310 Course Outline | MB-310 exam Syllabus | MB-310 exam Objectives


Set up and configure financial management (35-40%)
Manage and apply common processes (20-25%)
Implement and manage accounts payable and receivable (20-25%)
Manage budgeting and fixed assets (15-20%)

Set up and configure financial management (35-40%)
Implement and configure financial modules
• configure and apply accrual schemes
• configure cash flow reports
• configure the letter of credit and letter of ensure templates
• set up intercompany accounting
• create and configure account structures
• configure other modules including cash and bank management and budgeting, credit and collections, audit workbench, and consolidations
• implement posting definitions
Implement and test cost and allocation policies
• implement cost accounting processes
• implement inventory costing versions
• implement item groups
• create and process Ledger allocation rules
• demonstrate use of cost accounting terminology
• construct fiscal calendars, years, and periods
Perform periodic processes
• configure financial period close
• define and demonstrate periodic closing processes and end-of-year processes
• demonstrate regional tax reporting capabilities
• perform bank reconciliation
• perform financial consolidation
• create a cost accounting report by using the cost accounting Report Wizard
• allocate funds by using Accounting distributions
Configure, collect, and report taxes
• configure tax components
• implement and test end-of-year tax reporting
• prepare periodic filings

Manage and apply common processes (20-25%)
Define and configure the account structure
• demonstrate the advanced ledger entries functionality
• set up derived financial hierarchies
• demonstrate financial consolidation and elimination processes
• set up funds
• define and configure the main account
• define and configure the financial dimensions and dimension sets
• perform financial statements
• perform tracking of posted transactions
Implement regulatory and localization features and manage currencies
• set up legal entity currencies and conversions
• configure currency exchange rate providers
• implement foreign currency revaluation processes
• determine which regulatory and localization features to apply to a given scenario
Implement and manage journals
• identify the different types of journals available and their setup
• set up journal controls
• configure the journal posting restriction rules
• configure approval processes by using workflows
• create voucher templates
• perform daily procedures using journals

Implement and manage accounts payable and receivable (20-25%)
Implement and manage Accounts receivable
• set up customer posting profiles
• manage delinquent customers
• configure billing codes for free text invoices, process orders, invoices, and payments
• configure and process credit and collection
• configure customer payment setup
• prepare and send customer account statements
• configure accounts receivable charges
Implement and manage Accounts payable
• configure invoice validation policies
• set up vendor posting profile, process orders, invoices, and payments
• configure the Vendor collaboration module
• configure vendor payments
• configure accounts payable charges

Manage budgeting and fixed assets (15-20%)
Configure and manage Budgeting processes
• configure budgeting components
• create a budget plan template
• create a budget plan by using the budget plan wizard
• perform the budget planning process
• configure budget controls
• create and demonstrate registry entries
• implement budget workflows
Implement and manage fixed assets
• create fixed assets and fixed assets groups
• configure fixed asset parameters
• identify when to enable integration with purchasing and sales module
• perform acquisition, depreciation, and disposal of fixed assets



Killexams Review | Reputation | Testimonials | Feedback


I obtained the whole thing needed to pass MB-310 exam.
In any case, you think, stand by exact issues come on schedule. notwithstanding, then, at that point, your tirelessness wears off and you understand you must stand firm sooner than It is excessively past due. because my work entails in general coping with a MB-310 consumer base I decided to ace it and come to be he is aware of all about MB-310 dude in the office. I attempted your MB-310 demo from killexams, cherished it, and moved on to a purchase. Your exam engine is excellent and now-a-days your observe kit has made me the brand new MB-310 manager.


Precisely same questions in actual MB-310 exam, Is it possible?
I've endorsed your objects to several colleges and colleagues, and they are all tremendously satisfied. a bit obliged killexams.com Braindumps for boosting up my career and assisting me plan nicely for my excessive exams. a lot preferred it over again. I even have to mention that I am your greatest fan! I need you to recognize that I passed my MB-310 exam these days, contemplating the MB-310 brain notes I purchased from you. I answered 86/90 five questions within the exam. You are an awesome training issuer.


MB-310 Braindumps required to pass the certification exam at the start attempt.
killexams.com has pinnacle products for college students because the ones are designed for those college students who are inquisitive about the education of MB-310 certification. It turns out to be a remarkable choice due to the reality MB-310 exam engine has great study contents which will be clean to understand in a quick period. I am thankful to the superb team because this helped me in my professional development. It helped me to understand the way to Answers all crucial questions to get the most marks. It becomes an outstanding choice that made me a fan of killexams. I have decided to come back lower back one greater time.


No waste of time on searhching internet! Found exact source of MB-310 Questions and Answers.
I moreover had a splendid revel in with this training set, which led me to pass the MB-310 exam with over 98%. The questions are real and valid, and the exam simulator is a tremendous/guidance device, even though you are no longer planning on taking the exam and sincerely want to expand your horizons and enlarge your knowledge. I have given mine to a pal, who also works on this place but received her CCNA. What I imply is It is a splendid memorizing device for absolutely everyone. And if you plan to take the MB-310 exam, this is a stairway to achievement :)


Did you attempted this great source of MB-310 actual questions.
I had purchased your online mock exam of MB-310 exam and have passed it on the first attempt. I am very a lot thankful to you for your help. It is a pride to tell you that I even have passed the MB-310 exam with 98% marks. Thanks, killexams.com for the whole thing. You men are honestly wonderful. Please hold up the good work and maintain updating the present-day questions.


Microsoft Microsoft PDF Dumps

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

Is Killexams.com Legit?
Sure, Killexams is hundred percent legit along with fully trusted. There are several capabilities that makes killexams.com legitimate and straight. It provides informed and hundred percent valid exam braindumps that contain real exams questions and answers. Price is very low as compared to many of the services on internet. The Braindumps are up graded on ordinary basis with most exact brain dumps. Killexams account set up and supplement delivery is very fast. Report downloading is unlimited and incredibly fast. Help is avaiable via Livechat and E-mail. These are the features that makes killexams.com a sturdy website that include exam braindumps with real exams questions.



Which is the best braindumps site of 2022?
There are several Braindumps provider in the market claiming that they provide actual exam Questions, Braindumps, Practice Tests, Study Guides, cheat sheet and many other names, but most of them are re-sellers that do not update their contents frequently. Killexams.com is best website of Year 2022 that understands the issue candidates face when they spend their time studying obsolete contents taken from free pdf get sites or reseller sites. Thats why killexams.com update exam Braindumps with the same frequency as they are updated in Real Test. exam braindumps provided by killexams.com are Reliable, Up-to-date and validated by Certified Professionals. They maintain dumps collection of valid Questions that is kept up-to-date by checking update on daily basis.

If you want to Pass your exam Fast with improvement in your knowledge about latest course contents and syllabus of new syllabus, They recommend to get PDF exam 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 exam braindumps files as many times as you want, There is no limit.

Killexams.com has provided VCE practice test Software to Practice your exam by Taking Test Frequently. It asks the Real exam 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 Test Center and Enjoy your Success.




QSDA2018 Test Prep | Salesforce-Certified-Sales-Cloud-Consultant training material | SVC-19A test prep | PCNSE english test questions | 8010 assessment test trial | PDX-101 Cheatsheet | SPLK-2001 trial test | 300-730 braindumps | 300-920 dumps collection | 5V0-34.19 cheat sheet | C1000-022 pass exam | MISCPRODUCT Free exam PDF | ICBRR dumps questions | CLO-002 practice test | 1Z0-1050 cheat sheet pdf | ASVAB-Electronic-Info test prep | CIMAPRA17-BA1-1-ENG study material | PEGAPCSA87V1 boot camp | NSE4_FGT-6.2 exam braindumps | AZ-304 exam questions |


MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2022) test
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2022) braindumps
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2022) exam format
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2022) actual Questions
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2022) PDF Download
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2022) boot camp
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2022) book
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2022) exam Questions
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2022) test
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2022) Latest Topics
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2022) learning
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2022) Practice Test
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2022) real questions
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2022) guide
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2022) outline
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2022) syllabus
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2022) test
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2022) cheat sheet
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2022) exam syllabus
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2022) Questions and Answers
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2022) exam Braindumps
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2022) exam
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2022) certification
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2022) Latest Questions
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2022) information hunger
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2022) study help
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2022) tricks
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2022) study help
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2022) Free PDF
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2022) Cheatsheet
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2022) Practice Test
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2022) Practice Test
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2022) Study Guide
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2022) information source
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2022) braindumps
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2022) Free PDF
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2022) exam syllabus
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2022) braindumps
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2022) exam Questions
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2022) cheat sheet
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2022) Free PDF
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2022) education
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2022) actual Questions
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2022) Latest Topics
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2022) actual Questions
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2022) Test Prep
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2022) exam Braindumps
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2022) exam dumps
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2022) questions
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2022) exam Braindumps
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2022) techniques
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2022) actual Questions
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2022) questions


DP-203 Study Guide | MB-220 cheat sheets | AZ-305 questions get | MB-330 exam questions | SC-900 exam Braindumps | PL-300 Cheatsheet | MS-500 cheat sheet | AZ-120 practice exam | PL-600 free pdf | MB-700 free pdf | AZ-104 Free exam PDF | AZ-305 free exam papers | MB-310 practice test | AZ-140 braindump questions | AZ-220 pass marks | MS-101 study guide | MS-600 exam answers | PL-100 exam papers | AZ-801 cheat sheet pdf | PL-400 Real exam Questions |


Best Certification exam braindumps You Ever Experienced


MS-101 mock questions | MB-230 exam Questions | MB5-857 Braindumps | AZ-700 braindump questions | 77-883 Dumps | MD-100 practice questions | MB-700 free pdf | AZ-104 exam Braindumps | MB-310 boot camp | 77-886 brain dumps | DA-100 Study Guide | MB-330 exam Questions | MS-740 practice exam | 98-383 assessment test trial | AZ-500 exam results | 70-356 study questions | PL-200 dumps collection | AZ-400 Free exam PDF | MS-900 dumps questions | 98-382 PDF Braindumps |





References :


https://www.instapaper.com/read/1314946598
https://killexams-posting.dropmark.com/817438/23630904
https://killexams-posting.dropmark.com/817438/23725058
http://killexams.decksrusct.com/blog/certification-exam-dumps/mb-310-microsoft-dynamics-365-for-finance-and-operations-financials-beta-real-exam-questions-and-answers/
https://www.4shared.com/office/_rjq4OBXiq/Microsoft-Dynamics-365-for-Fin.html
http://ge.tt/2vlUCY83
http://killexams12.blogdigy.com/mb-310-microsoft-dynamics-365-for-finance-and-operations-financials-beta-2021-updated-questions-and-answers-by-killexams-com-11393898
http://killexams1.isblog.net/mb-310-microsoft-dynamics-365-for-finance-and-operations-financials-beta-questions-and-answers-by-killexams-com-14566860
https://sites.google.com/view/killexams-mb-310-pdf-download
https://www.coursehero.com/file/79342707/Microsoft-Dynamics-365-for-Finance-and-Operations-Financials-beta-MB-310pdf/
https://killexams-mb-310.jimdofree.com/
https://spaces.hightail.com/space/v47qz1ixkg/files/fi-0cc13fe3-1097-4294-822b-9193b86b9143/fv-506b152b-76e8-4961-92ab-57e7b60232bb/Microsoft-Dynamics-365-for-Finance-and-Operations-Financials-beta-(MB-310).pdf#pageThumbnail-1
https://justpaste.it/MB-310
http://feeds.feedburner.com/Pass4sureHp0-m26RealQuestionBank
https://ello.co/killexamz/post/5punxpxs-yevprcqoupk0g
https://files.fm/f/gzvc5dgxc



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






Direct Download

MB-310 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-310 Reviews

100% Valid and Up to Date MB-310 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