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-920?
Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der MB-920: Microsoft Dynamics 365 Fundamentals Finance and Operations Apps (ERP) Prüfung.
2025 Updated Actual MB-920 questions as experienced in Test Center
Aktuelle MB-920 Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz
![]() Microsoft MB-920 : Microsoft Dynamics 365 Fundamentals Finance and Operations Apps (ERP) Practice TestsPractice Tests Organized by Richard |
Latest 2025 Updated Microsoft Microsoft Dynamics 365 Fundamentals Finance and Operations Apps (ERP) Syllabus
MB-920 dumps collection with Premium PDF and Test Engine
Practice Tests and Free VCE Software - Questions Updated on Daily Basis
Big Discount / Cheapest price & 100% Pass Guarantee
MB-920 dumps collection : Download 100% Free MB-920 practice exams (PDF and VCE)
Exam Number : MB-920
Exam Name : Microsoft Dynamics 365 Fundamentals Finance and Operations Apps (ERP)
Vendor Name : Microsoft
Update : Click Here to Check Latest Update
Question Bank : Check Questions
Peruse these MB-920 questions and replies before the genuine test
Our real MB-920 exam simulator is highly beneficial for their customers for the MB-920 Exam Questions. It features critical questions, recommendations, and definitions in the MB-920 Mock Questions PDF file. The MB-920 exam focuses on key points.
We have a long list of successful candidates who have passed the MB-920 test with the help of their Premium Questions and Ans. They are now working in prominent positions in their respective organizations and earning well. Their success is not just because they studied their MB-920 PDF Download, but also because they have worked on their knowledge and expertise. They are able to work efficiently in a real-world environment as professionals. Their focus is not only on helping candidates pass the MB-920 test with their questions and answers, but also on improving their understanding of MB-920 concepts and objectives. This is how people achieve success.
To further assist you in your preparation, you can download the MB-920 PDF Download PDF on any device and study the actual MB-920 questions while on vacation or traveling. This will save you time and provide you more opportunities to concentrate on MB-920 questions. Practice MB-920 Test Prep using their VCE exam simulator repeatedly until you score 100 percent. When you feel confident, you can head straight to the testing center for the actual MB-920 test.

MB-920 exam Format | MB-920 Course Contents | MB-920 Course Outline | MB-920 exam Syllabus | MB-920 exam Objectives
Test Detail:
The Microsoft MB-920 exam, also known as Microsoft Dynamics 365 Fundamentals Finance and Operations Apps (ERP), is a certification exam that focuses on the foundational knowledge and skills required to understand and work with the Finance and Operations applications within the Microsoft Dynamics 365 suite. The exam aims to validate the candidate's understanding of the core functionalities and capabilities of Dynamics 365 Finance and Operations and their ability to leverage these capabilities to meet business requirements.
Course Outline:
The MB-920 course provides comprehensive training on the core concepts and functionalities of Microsoft Dynamics 365 Finance and Operations. It covers various courses related to financial management, supply chain management, project management, and reporting and analytics. While the specific course content may vary, the following is a general outline of the key courses covered:
1. Introduction to Dynamics 365 Finance and Operations:
- Overview of the Finance and Operations applications.
- Understanding the architecture and components of Dynamics 365.
- Exploring the user interface and navigation.
2. Financial Management:
- Configuring and managing financial modules.
- Setting up and maintaining general ledger accounts.
- Managing accounts payable and accounts receivable.
- Performing financial reporting and analysis.
3. Supply Chain Management:
- Configuring and managing supply chain modules.
- Creating and managing product catalogs and pricing.
- Managing inventory and warehouse operations.
- Implementing procurement and sourcing processes.
4. Project Management:
- Managing projects and project accounting.
- Tracking project costs and revenues.
- Creating and managing project contracts and resources.
- Monitoring project performance and profitability.
5. Reporting and Analytics:
- Designing and creating financial reports and dashboards.
- Utilizing Power BI for data analysis and visualization.
- Generating financial statements and budgeting reports.
- Applying business intelligence concepts and best practices.
Exam Objectives:
The MB-920 exam assesses the candidate's knowledge and skills in the following areas:
1. Understand the Dynamics 365 Finance and Operations Applications:
- Describe the capabilities and functionalities of Dynamics 365 Finance and Operations.
- Identify the key components and modules within the application suite.
- Explain the integration of Finance and Operations with other Dynamics 365 applications.
2. Manage Financial Operations:
- Configure and manage general ledger, accounts payable, and accounts receivable.
- Perform financial transactions and postings.
- Generate financial reports and statements.
3. Manage Supply Chain Operations:
- Configure and manage product catalogs, pricing, and inventory.
- Implement procurement and sourcing processes.
- Monitor and optimize supply chain operations.
4. Manage Project Operations:
- Set up and manage projects and project accounting.
- Track project costs, revenues, and profitability.
- Create and manage project contracts and resources.
5. Analyze Data and Generate Reports:
- Design and create financial reports and dashboards.
- Utilize Power BI for data analysis and visualization.
- Generate financial statements and budgeting reports.
Syllabus:
The MB-920 course syllabus provides a detailed breakdown of the courses covered in the training program. It includes specific learning objectives, hands-on exercises, and case studies. The syllabus may cover the following areas:
- Introduction to Dynamics 365 Finance and Operations
- Financial Management in Dynamics 365
- Supply Chain Management in Dynamics 365
- Project Management in Dynamics 365
- Reporting and Analytics in Dynamics 365
Killexams Review | Reputation | Testimonials | Feedback
I encountered no problems! Three days of preparation with MB-920 practice exams is needed.
The quality of killexams.com is high enough to help applicants in their MB-920 exam education. All the products I used for MB-920 exam coaching were of great quality, and they helped me pass the MB-920 exam quickly.
How much does the MB-920 exam cost?
I was feeling helpless with only two weeks left to prepare for my MB-920 exam. Thanks to killexams.com's Questions Answers guide and the MB-920 Official Cert Guide, I was able to easily understand the courses and pass the exam with ease.
Real MB-920 questions and practice tests! It justifies the cost.
killexams.com was a blessing for my MB-920 exam preparation. The exam contains many small details and configuration tricks that can be difficult to grasp without experience. The MB-920 Questions Answers provided by killexams.com were sufficient to pass the exam.
The right source to locate MB-920 actual question papers.
I recently passed my MB-920 exam with a score of 100%! To be honest, I never expected to do so well, but killexams.com turned out to be a gem in exam preparation. I had a great feeling about it, as it seemed to cover all the necessary courses and provided many questions. I was pleasantly surprised to find many similar questions on the actual exam. I highly recommend using Killexams for exam preparation.
It is simply brilliant to have updated MB-920 practice tests.
The MB-920 exam was particularly difficult for me, but killexams.com's exam material proved to be an excellent resource. I was able to score 85% by using the guidebook to prepare for the exam.
Microsoft Operations testprep
MB-920 Exam
User: Naura*****![]() ![]() ![]() ![]() ![]() I recently passed the MICROSOFT DYNAMICS 365 FUNDAMENTALS FINANCE AND OPERATIONS APPS (ERP) exam with 88% marks, thanks to Killexams.com Questions Answers and exam Simulator. The exam was difficult, but this unit made it much easier for me. Their exam simulator was especially helpful, and I appreciated the format of their questions and answer tests, as it allowed me to learn effectively. |
User: Valentina*****![]() ![]() ![]() ![]() ![]() The study materials provided by killexams.com cover all aspects of the MB-920 exam, making it a must-have for anyone new to it. Thanks to killexams.com, I was able to increase my expertise in MB-920 and have recommended it to my friends and colleagues. Even on the day before my MB-920 exam, when I usually went for a run to feel energized, I turned to killexams.com for educational materials to help me prepare. |
User: Mathias*****![]() ![]() ![]() ![]() ![]() The practice questions were splendid and accurately reflected what was given at the Test Center during the exam. The training material was helpful, and I passed with over 80% marks. |
User: Hannah*****![]() ![]() ![]() ![]() ![]() I searched online for the perfect practice questions for this unique subject matter but could not find an appropriate one that explained the critical concepts needed. However, when I discovered Killexams.com brain practice questions material, I was truly amazed. It included all essential courses without being overwhelming. I am thrilled to have found and used it. |
User: Martha nods*****![]() ![]() ![]() ![]() ![]() I used to be skeptical about using online resources like Killexams.com, as they are often posted by untrustworthy individuals who can mislead you into studying the wrong material. However, Killexams.com Questions Answers proved to be different. Their material is of high quality and helped me overcome my MB-920 exam preparation. I passed this exam on my second attempt with an 87% score. Thank you, Killexams.com. |
MB-920 Exam
Question: We want to do group studies, Do they need multiple licenses? Answer: Yes, you should buy one license for each person, or a bulk license that can be used in a group. That is very cheap. Contact sales or support for details about bulk discounts. |
Question: Which questions are included in MB-920 test prep? Answer: The latest and up-to-date MB-920 Questions Answers are included in the test prep. Complete MB-920 questions are provided in the download section of your MyAccount. Killexams provide up-to-date actual MB-920 test questions that are taken from the MB-920 question bank. These questions' answers are Checked by experts before they are included in the MB-920 question bank. By memorizing and practicing these MB-920 dumps, you will surely pass your exam on the first attempt. |
Question: My killexams account is suspended, Why? Answer: Killexams.com does not allow you to share your login details with others. The system can track simultaneous logins from different locations and block the account due to misuse. You can use your account in two places like home and office. Try not to share your login details with anyone. |
Question: Will I be able to pass the exam with these MB-920 actual questions? Answer: Of course, these are the latest and up-to-date MB-920 practice questions that contain real exam questions from test centers. When you will memorize these questions, it will help you get High Score in the exam. |
Question: Exam questions are changed, where can I find new questions and answers? Answer: You need not search the updated questions anywhere on the website. Killexams.com keep on checking update on regular basis and change the exam questions accordingly. When any new update is received, it is included in the dumps collection and users are informed by email to re-download the exam files. Killexams overwrites the previous files in the download section so that you have the latest exam questions all the time. So, there is no need to search the update anywhere. Just re-download the exam files if you receive an intimation of update. |
https://www.pass4surez.com/art/read.php?keyword=Microsoft+Operations+testprep&lang=us&links=remove
Whilst it is very hard task to choose reliable exam Questions 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 cheatsheet 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.
Which is the best practice exams website?
Without a doubt, Killexams is 100% legit and also fully reputable. There are several attributes that makes killexams.com authentic and reliable. It provides updated and 100% valid exam questions containing real exams questions and answers. Price is very low as compared to almost all the services on internet. The Questions Answers are refreshed on common basis with most exact questions. Killexams account build up and merchandise delivery is quite fast. Report downloading is certainly unlimited and intensely fast. Service is avaiable via Livechat and Email. These are the characteristics that makes killexams.com a robust website offering exam prep with real exams questions.
Is killexams.com test material dependable?
There are several Questions Answers 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 2025 that understands the issue candidates face when they spend their time studying obsolete contents taken from free pdf download sites or reseller sites. Thats why killexams.com update exam Questions Answers with the same frequency as they are updated in Real Test. exam questions 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 courses of new syllabus, They recommend to download 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 Questions Answers will be provided in your download Account. You can download Premium practice questions files as many times as you want, There is no limit.
Killexams.com has provided VCE practice questions Software to Practice your 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.
SVC-19A VCE | Servicenow-CIS-SAM exam Questions | BL0-100 free questions | HESI-A2 mock questions | Salesforce-Process-Automation-Accredited-Professional practice exam | IT0-035 free questions | CDCA-ADEX exam prep | 1V0-61.21 exam answers | S90.19A practice exam | PEGAPCSSA85V1 cram | AHN-BC free pdf | NBCOT trial test | S90.08A examcollection | NCEES-FE test prep | H12-721 study guide | ICDL-Powerpoint study guide | Series63 free pdf | C100DBA practice questions | PDI free practice exams | C1000-156 download |
MB-920 - Microsoft Dynamics 365 Fundamentals Finance and Operations Apps (ERP) testprep
MB-920 - Microsoft Dynamics 365 Fundamentals Finance and Operations Apps (ERP) testing
MB-920 - Microsoft Dynamics 365 Fundamentals Finance and Operations Apps (ERP) real questions
MB-920 - Microsoft Dynamics 365 Fundamentals Finance and Operations Apps (ERP) course outline
MB-920 - Microsoft Dynamics 365 Fundamentals Finance and Operations Apps (ERP) Real exam Questions
MB-920 - Microsoft Dynamics 365 Fundamentals Finance and Operations Apps (ERP) exam success
MB-920 - Microsoft Dynamics 365 Fundamentals Finance and Operations Apps (ERP) techniques
MB-920 - Microsoft Dynamics 365 Fundamentals Finance and Operations Apps (ERP) information search
MB-920 - Microsoft Dynamics 365 Fundamentals Finance and Operations Apps (ERP) questions
MB-920 - Microsoft Dynamics 365 Fundamentals Finance and Operations Apps (ERP) PDF Download
MB-920 - Microsoft Dynamics 365 Fundamentals Finance and Operations Apps (ERP) test questions
MB-920 - Microsoft Dynamics 365 Fundamentals Finance and Operations Apps (ERP) study help
MB-920 - Microsoft Dynamics 365 Fundamentals Finance and Operations Apps (ERP) certification
MB-920 - Microsoft Dynamics 365 Fundamentals Finance and Operations Apps (ERP) premium pdf
MB-920 - Microsoft Dynamics 365 Fundamentals Finance and Operations Apps (ERP) actual Questions
MB-920 - Microsoft Dynamics 365 Fundamentals Finance and Operations Apps (ERP) book
MB-920 - Microsoft Dynamics 365 Fundamentals Finance and Operations Apps (ERP) syllabus
MB-920 - Microsoft Dynamics 365 Fundamentals Finance and Operations Apps (ERP) information search
MB-920 - Microsoft Dynamics 365 Fundamentals Finance and Operations Apps (ERP) PDF questions
MB-920 - Microsoft Dynamics 365 Fundamentals Finance and Operations Apps (ERP) guide
MB-920 - Microsoft Dynamics 365 Fundamentals Finance and Operations Apps (ERP) Latest Topics
MB-920 - Microsoft Dynamics 365 Fundamentals Finance and Operations Apps (ERP) answers
MB-920 - Microsoft Dynamics 365 Fundamentals Finance and Operations Apps (ERP) PDF download
MB-920 - Microsoft Dynamics 365 Fundamentals Finance and Operations Apps (ERP) Practice Test
MB-920 - Microsoft Dynamics 365 Fundamentals Finance and Operations Apps (ERP) real questions
MB-920 - Microsoft Dynamics 365 Fundamentals Finance and Operations Apps (ERP) test questions
MB-920 - Microsoft Dynamics 365 Fundamentals Finance and Operations Apps (ERP) certification
MB-920 - Microsoft Dynamics 365 Fundamentals Finance and Operations Apps (ERP) education
MB-920 - Microsoft Dynamics 365 Fundamentals Finance and Operations Apps (ERP) Latest Topics
MB-920 - Microsoft Dynamics 365 Fundamentals Finance and Operations Apps (ERP) test questions
MB-920 - Microsoft Dynamics 365 Fundamentals Finance and Operations Apps (ERP) learn
MB-920 - Microsoft Dynamics 365 Fundamentals Finance and Operations Apps (ERP) exam format
MB-920 - Microsoft Dynamics 365 Fundamentals Finance and Operations Apps (ERP) information hunger
MB-920 - Microsoft Dynamics 365 Fundamentals Finance and Operations Apps (ERP) exam help
MB-920 - Microsoft Dynamics 365 Fundamentals Finance and Operations Apps (ERP) PDF Download
MB-920 - Microsoft Dynamics 365 Fundamentals Finance and Operations Apps (ERP) exam contents
MB-920 - Microsoft Dynamics 365 Fundamentals Finance and Operations Apps (ERP) testprep
MB-920 - Microsoft Dynamics 365 Fundamentals Finance and Operations Apps (ERP) tricks
MB-920 - Microsoft Dynamics 365 Fundamentals Finance and Operations Apps (ERP) exam
MB-920 - Microsoft Dynamics 365 Fundamentals Finance and Operations Apps (ERP) exam syllabus
MB-920 - Microsoft Dynamics 365 Fundamentals Finance and Operations Apps (ERP) exam format
MB-920 - Microsoft Dynamics 365 Fundamentals Finance and Operations Apps (ERP) Free exam PDF
MB-920 - Microsoft Dynamics 365 Fundamentals Finance and Operations Apps (ERP) book
MB-920 - Microsoft Dynamics 365 Fundamentals Finance and Operations Apps (ERP) Free PDF
Other Microsoft Practice Tests
MOFF-EN exam prep | PL-200 prep questions | AZ-220 cram | MB-210 study guide | MS-700 free practice tests | AZ-400 mock exam | MB-920 exam Questions | AZ-500 trial test questions | MB-260 mock questions | MS-500 exam prep | PL-300 practice exam | MB-330 questions answers | MS-100 Study help | AZ-303 free exam papers | MB-800 exam cram | MB-300 mock questions | AZ-600 study help | AZ-720 Study Guide | AZ-801 test questions | PL-500 study guide |
Best practice exams You Ever Experienced
JN0-363 exam Cram | 200-046 exam test | DMDI301 pdf questions | PCAP-31-03 free study guide | HPE0-S60 test practice | DES-4421 free pdf | 5V0-32-19 certification sample | STAAR practice exam | 920-260 trial questions | CGRN pdf download | ASSM cram | PCNSE-PANOS-9 pass marks | 050-708 writing test questions | CTFA exam prep | ABV mock test | CHA english test questions | CRNE test sample | 3X0-103 question test | P11-101 test prep | AOCNP practice exam |
References :
https://www.instapaper.com/read/1413180107
https://drp.mk/i/Q6Sr7z6Vb0
https://arfansaleemfan.blogspot.com/2021/05/mb-920-microsoft-dynamics-365.html
https://sites.google.com/view/killexams-mb-920-exam-dumps
Similar Websites :
Pass4sure Certification exam Practice Tests
Pass4Sure Certification Question Bank
MB-920 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 MB-920 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