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 MS-700?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der MS-700: Managing Microsoft Teams Prüfung.

2025 Updated Actual MS-700 questions as experienced in Test Center

Aktuelle MS-700 Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz

Microsoft MS-700 : Managing Microsoft Teams Practice Tests

Practice Tests Organized by Lee



Latest 2025 Updated Microsoft Managing Microsoft Teams Syllabus
MS-700 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




MS-700 dumps collection : Download 100% Free MS-700 practice exams (PDF and VCE)

Exam Number : MS-700
Exam Name : Managing Microsoft Teams
Vendor Name : Microsoft
Update : Click Here to Check Latest Update
Question Bank : Check Questions

Click and obtain MS-700 exam Study Guide and Exam Questions to pass real test.
At killexams.com, they provide the most latest and updated Exam Questions with real MS-700 examination questions and solutions for new subjects. Their MS-700 TestPrep and real questions practice material will help you Boost your understanding and achieve excellent results in your MS-700 exam. They ensure your success at the Test Center, covering all the purposes of the test and improving your familiarity with the MS-700 exam. Pass without any doubt with their accurate questions.

There are numerous providers of PDF Download online, but the majority of them sell outdated and invalid MS-700 Study Guide. It is crucial to find a trustworthy and up-to-date MS-700 Exam Cram provider on the web. Instead of wasting your time and money on inadequate materials, they recommend relying on killexams.com. You can visit their website and obtain a 100% free demo of MS-700 Study Guide questions to ensure your satisfaction. Then, register for a three-month account to access the latest and valid MS-700 Exam Cram, which includes real MS-700 exam questions and answers. Additionally, you should acquire the MS-700 VCE exam simulator for practice tests.

You can easily copy the MS-700 Study Guide PDF onto any device, such as an iPad, iPhone, laptop, smart TV, or Android device, to read and memorize the MS-700 Exam Cram while on vacation or traveling. This will save you a lot of time and energy, giving you more time to study MS-700 PDF Download. Practice using the VCE exam simulator repeatedly until you achieve a 100% score. Once you feel confident, proceed to the Exam Center to take the real MS-700 exam.







MS-700 exam Format | MS-700 Course Contents | MS-700 Course Outline | MS-700 exam Syllabus | MS-700 exam Objectives


EXAM ID : MS-700
EXAM NAME : Managing Microsoft Teams

The Microsoft Teams Administrator configures, deploys, and manages Office 365 workloads for Microsoft Teams that focus on efficient and effective collaboration and communication in an enterprise environment.

The Teams Administrator must be able to plan, deploy, and manage Teams chat, apps, channels, meetings, audio conferencing, live events, and calling. The Teams Administrator is also responsible for upgrading from Skype for Business to Teams. Candidates for this exam should be proficient at managing Teams settings by using PowerShell. The Teams Administrator has a fundamental understanding of integration points with apps and services, including but not limited to SharePoint, OneDrive, Exchange, Azure AD, and Office 365 Groups. The Teams Administrator understands how to integrate external apps and services.

The Teams Administrator collaborates with Telephony engineers to integrate advanced voice features into Microsoft Teams. This role is not responsible for configuring direct routing, configuring call routing, or integrating telephony. The Teams Administrator may work with other workload administrator roles, including security and compliance, messaging, networking, identity, and devices.

- Plan and configure a Microsoft Teams environment (45-50%)
- Manage chat, calling, and meetings (30-35%)
- Manage Teams and app policies (20-25%)

Plan and configure a Microsoft Teams environment (45-50%)
Upgrade from Skype for Business to Microsoft Teams
 choose an appropriate upgrade path and coexistence mode to meet specific requirements
 plan and troubleshoot meeting migration
 configure Microsoft Teams upgrade notification and meeting app preferences
 configure coexistence mode for the organization and per-user
 use Teams Advisor to assess and identify steps to roll out Microsoft Teams
Plan and configure network settings for Microsoft Teams
 plan for successful network deployment by using Network Planner
 calculate network bandwidth capacity for Microsoft Teams voice, video, meetings and Live Events
 assess network readiness by using the Network Testing Companion
 configure network ports and protocols used by Microsoft Teams client application
 configure media optimizations by using QoS
 configure and manage locations including reporting labels, emergency addresses, and network topology, and networks & locations
Implement governance and lifecycle management for Microsoft Teams
 create and manage team templates
 set up policies for Microsoft 365 group creation
 configure Microsoft 365 groups, expiration policy, and naming policy
 archive, unarchive, delete, and restore a team
 configure and manage update policies
Configure and manage guest access
 configure guest users for Microsoft Teams
 configure guest permissions for a team
 configure meeting and live events experiences for guests
 configure messaging and calling options for guests
 remove guests
 manage Azure AD access review for guests
 configure guest access from Azure AD portal
Manage security and compliance
 assign Microsoft Teams Admin roles
 create and manage compliance features, including retention policies, sensitivity labels, and data loss prevention (DLP) policies
 create security and compliance alerts for Microsoft Teams
 create an information barrier policy
 interpret security reports for Microsoft Teams
Deploy and manage Microsoft Teams endpoints
 deploy Microsoft Teams clients to devices, including Windows, VDI (Virtual Desktop), Windows Virtual Desktop (WVD), MacOS, and mobile devices
 manage configuration profiles
 manage Microsoft Teams device tags
 manage device settings and firmware
 configure Microsoft Teams Rooms
Monitor and analyze service usage
 interpret Microsoft Teams usage reports
 interpret Microsoft 365 usage reports
 optimize call quality by using Call Analytics
 analyze organization-wide call quality by using Call Quality Dashboard
 use Power BI to identify call quality issues

Manage Chat, Calling, and Meetings (30-35%)
Manage chat and collaboration experiences
 configure messaging policies
 manage external access
 manage channels for a team
 manage private channel creation
 manage email integration
 configure external access for SharePoint and OneDrive for Business
 manage cloud file storage options for collaboration
Manage meeting experiences
 configure meeting settings
 create and manage meeting policies
 configure settings for live events
 create and manage policies for live events
 configure conference bridge settings
Manage phone numbers
 recommend a PSTN connectivity solution based on specific business requirements
 order phone numbers
 manage service numbers
 add, change, or remove an emergency address for your organization
 assign, change, or remove a phone number for a user
 manage voice and audio conferencing settings for users
 configure dynamic emergency policies
Manage Phone System
 manage resource accounts
 create and configure call queues
 create and configure auto attendants
 manage call park policies
 manage calling policies
 manage caller ID policies
 interpret the Direct Routing health dashboard

Manage Teams and app policies (20-25%)
Manage a team
 create a team
 upgrade an existing resource to a team
 manage privacy levels for a team
 manage org-wide teams
 customize and apply policy packages
Manage membership in a team
 manage users in a team
 configure dynamic membership
 manage access review for team members
Implement policies for Microsoft Teams apps
 manage Org-wide app settings
 create and manage app permission policies
 create and manage app setup policies
 manage apps store customization



Killexams Review | Reputation | Testimonials | Feedback


I found all MS-700 questions in the current practice exams that I studied.
The practice test provided by killexams.com were outstanding. While 76% is a decent score, I managed to secure 92% marks in the real MS-700 exam. I credit this excellent performance to the killexams.com team. I cannot imagine using another product for my exam preparation. I will recommend this product to everyone.


Go through these MS-700 braindump questions and forget about failing the exam.
My experience with killexams.com was fantastic. I used their MS-700 practice resources, including the study courses, exam engine, and MS-700 curriculum, down to the smallest detail. It was an incredible journey, and within days, I was well-versed in the subject matter, ultimately earning my MS-700 certification with exceptional marks. I am grateful to the entire team behind killexams.com for making this possible.


Can I obtain practice test questions for the MS-700 exam?
I heard great reviews about killexams, and after purchasing their right study guides, I can confirm that everything they promised was delivered. The exercises were precise, the exam simulator was user-friendly, and I passed the MS-700 exam with an impressive score of 96%. Killexams is the real deal, and I couldn't be more satisfied with their service.


Exam questions have changed; where can I obtain new questions and answers?
I am grateful to killexams.com for their mock exam on MS-700. With their help, I am confident that I can pass the exam with ease. I have also taken a mock test from them for my other exams and find it very beneficial. Their mock exam are very useful, and their explanations are extraordinary. I would give them a 4-star rating.


Use authentic MS-700 practice tests.
As someone in the IT field, passing the vital MS-700 exam was crucial for me. However, time constraints made it challenging to prepare adequately. The easy-to-memorize answers provided by killexams.com made the preparation process simpler. The killexams.com study guide proved to be a complete reference guide, and I was surprised by the result. I had only two weeks left before the exam, but I managed to complete all the questions well within the stipulated time.


Microsoft Teams techniques

MS-700 Exam

User: Lucy*****

While having a sharp mind is important for success in the MANAGING MICROSOFT TEAMS exam, having a knowledgeable and certified instructor is equally crucial. I was fortunate to have found killexams.com, where I met excellent educators who provided me with the necessary guidance to pass my exam with ease. I am truly grateful for their support and dedication.
User: Oleg*****

In the past, my parents told me stories of how they passed their exams on the first try. However, they did not have to face the flood of books and study courses that confuse students today. The competition is cut-throat, and certifications like the MS-700 exam are now essential for career advancement. Thankfully, Killexams.com mock exam are fair enough to take students to the point of the exam with self-belief and the assurance of passing the MS-700 exam. Thanks to the Killexams.com team, they can avoid scolding from their parents and listen to their fulfillment tales.
User: Renata*****

I have used Killexams.com for the ms-700 exam and passed with ease. I was able to complete all the questions within the scheduled time. The mock exam test sources provided by Killexams.com were extremely helpful in my training. I believe it to be the best study material for secure coaching. Thank you, team.
User: Tahnee*****

I recently passed my MS-700 exam thanks to the excellent guidance provided by killexams.com. The platform is extremely reliable, and I never thought that practice exams could help me achieve such a high score. However, after experiencing the benefits of killexams.com, I realized that it is much more than just a practice test. It offers everything you need to pass your MS-700 exam while also helping you memorize important subjects efficiently. I highly recommend killexams.com to everyone who wants to ace their certification exams.
User: Constantine*****

I was aiming for a score of 93%, and I was delighted to have achieved it, as many of the questions were similar to those in the Killexams.com exam guide. Though I was overwhelmed by the prospect of taking the ms-700 exam in such a short time, the Killexams.com mock exam guide came to my rescue with its clear and concise answers.

MS-700 Exam

Question: Is there any obtain limit on MS-700 real questions?
Answer: No, there is no limit on download. Killexams provide the unlimited obtain of MS-700 practice test from your MyAccount. All the MS-700 exam updates will be provided in the same obtain section. You will be able to obtain an unlimited number of times during the validity of your killexams account.
Question: Can I print MS-700 braindump questions via exam Simulator?
Answer: No, you can print from PDF files. You can log in to your account and obtain the latest PDF of MS-700 test prep. You can use any PDF reader like Adobe Acrobat Reader or other 3rd party applications to open the PDF file. You can print MS-700 questions to make your book for offline reading. Although, the internet is not needed to open MS-700 exam PDF files.
Question: Will I see all the questions in real test from killexams MS-700 question bank?
Answer: Yes. Killexams provide up-to-date real MS-700 test questions that are taken from the MS-700 test prep. These questions' answers are Verified by experts before they are included in the MS-700 question bank.
Question: Are MS-700 questions updated daily?
Answer: It depends on the vendor that takes the test, like Cisco, IBM, HP, CompTIA, and all others. There is no set frequency in which MS-700 exam is changed. The vendor can change the MS-700 exam questions any time they like. But when exam questions are changed, they update their PDF and VCE accordingly. Their team keeps on checking updates of the MS-700 exam. When exam questions are changed in real MS-700 tests, they update their PDF and VCE accordingly. There is no set frequency in which MS-700 exam is changed. The vendor can change the MS-700 exam questions any time they like.
Question: Do you recommend me to use this great source updated MS-700 brain dumps?
Answer: It is the best source of up-to-date test prep so, Killexams highly recommend these MS-700 questions to memorize before you go for the real exam because this MS-700 dumps collection contains an up-to-date and 100% valid MS-700 dumps collection with a new syllabus.
Microsoft+Teams+techniques
https://www.pass4surez.com/art/read.php?keyword=Microsoft+Teams+techniques&lang=us&links=remove

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 cheatsheet 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 exam VCE simulator. Visit their example questions and test brain dumps, their exam simulator and you will realize that killexams.com is the best cheatsheet site.

Which is the best practice exams website?
Without a doubt, Killexams is fully legit in addition to fully well-performing. There are several includes that makes killexams.com legitimate and authentic. It provides up-to-date and fully valid exam questions that contain real exams questions and answers. Price is small as compared to a lot of the services on internet. The mock exam are up-to-date on standard basis along with most latest questions. Killexams account launched and merchandise delivery is extremely fast. Data file downloading can be unlimited and incredibly fast. Help is avaiable via Livechat and Netmail. These are the features that makes killexams.com a strong website that provide exam prep with real exams questions.



Is killexams.com test material dependable?
There are several mock exam provider in the market claiming that they provide real 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 obtain sites or reseller sites. Thats why killexams.com update exam mock exam 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 subjects of new syllabus, They recommend to obtain PDF exam Questions from killexams.com and get ready for real exam. When you feel that you should register for Premium Version, Just choose visit killexams.com and register, you will receive your Username/Password in your Email within 5 to 10 minutes. All the future updates and changes in mock exam will be provided in your obtain Account. You can obtain Premium practice test files as many times as you want, There is no limit.

Killexams.com has provided VCE practice test Software to Practice your 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 real Test. Go register for Test in Exam Center and Enjoy your Success.




4A0-116 practical test | PCNSE question test | CFRN mock exam | CRA mock exam | S90.09A free pdf obtain | HPE0-J50 free exam practice | FML-5.3.8 study questions | PCCSA questions obtain | CPHRM exam Questions | SAT free pdf | ACSM-GEI examcollection | IQ0-100 study guide | Certified-Development-Lifecycle-and-Deployment-Designer Test Prep | BCP-521 Practice Questions | EADA105 exam cram | HPE2-K42 mock test | Nonprofit-Cloud-Consultant exam test | GB0-391 study help | NAWCO-AWCC test prep | S90.20A pdf questions |


MS-700 - Managing Microsoft Teams Question Bank
MS-700 - Managing Microsoft Teams outline
MS-700 - Managing Microsoft Teams Real exam Questions
MS-700 - Managing Microsoft Teams study help
MS-700 - Managing Microsoft Teams exam Questions
MS-700 - Managing Microsoft Teams test prep
MS-700 - Managing Microsoft Teams outline
MS-700 - Managing Microsoft Teams Question Bank
MS-700 - Managing Microsoft Teams syllabus
MS-700 - Managing Microsoft Teams Study Guide
MS-700 - Managing Microsoft Teams Latest Topics
MS-700 - Managing Microsoft Teams study tips
MS-700 - Managing Microsoft Teams Practice Test
MS-700 - Managing Microsoft Teams Practice Questions
MS-700 - Managing Microsoft Teams study tips
MS-700 - Managing Microsoft Teams exam syllabus
MS-700 - Managing Microsoft Teams information search
MS-700 - Managing Microsoft Teams exam Questions
MS-700 - Managing Microsoft Teams learn
MS-700 - Managing Microsoft Teams exam
MS-700 - Managing Microsoft Teams exam format
MS-700 - Managing Microsoft Teams Free PDF
MS-700 - Managing Microsoft Teams syllabus
MS-700 - Managing Microsoft Teams information hunger
MS-700 - Managing Microsoft Teams Latest Topics
MS-700 - Managing Microsoft Teams exam
MS-700 - Managing Microsoft Teams guide
MS-700 - Managing Microsoft Teams exam cram
MS-700 - Managing Microsoft Teams study help
MS-700 - Managing Microsoft Teams exam help
MS-700 - Managing Microsoft Teams PDF download
MS-700 - Managing Microsoft Teams Study Guide
MS-700 - Managing Microsoft Teams test
MS-700 - Managing Microsoft Teams Latest Topics
MS-700 - Managing Microsoft Teams PDF Questions
MS-700 - Managing Microsoft Teams information source
MS-700 - Managing Microsoft Teams real Questions
MS-700 - Managing Microsoft Teams test prep
MS-700 - Managing Microsoft Teams exam cram
MS-700 - Managing Microsoft Teams teaching
MS-700 - Managing Microsoft Teams exam syllabus
MS-700 - Managing Microsoft Teams questions
MS-700 - Managing Microsoft Teams exam Questions
MS-700 - Managing Microsoft Teams answers

Other Microsoft Practice Tests


MS-600 exam Questions | MS-720 mock exam | DP-420 practice questions | MB-340 exam cram | MB-240 exam Cram | AZ-303 free questions | MO-100 practice questions | AZ-305 practice exam | MB-800 study guide | MS-900 online exam | MB-260 exam prep | PL-300 certification sample | AI-102 training material | SC-400 test prep | MB-320 exam prep | AZ-204 test example | MS-721 exam cram | MS-220 Practice Questions | MB-220 exam questions | MB-310 cbt |


Best practice exams You Ever Experienced


H12-221 online exam | 5V0-41.21 exam prep | LCAC test practice | 4H0-100 free questions | HQT-4210 demo questions | CSSGB bootcamp | PCSAE model question | PEGAPCSA85V1 free pdf | SAP-C02 demo test questions | ICDL-IT practical test | DHORT exam Questions | 8006 practice exam | MS-721 Study Guide | GE0-803 test prep | II0-001 practice questions | 1Y0-241 Free PDF | 312-50v12 practice test | 050-SEPROGRC-01 mock exam | 1D0-541 study guide | S1000-014 Latest Topics |





References :


http://killexams-braindumps.blogspot.com/2020/07/0day-updated-pass4sure-ms-700-real-exam.html
https://www.instapaper.com/read/1323666752
https://drp.mk/i/QT0YDr4NY3
http://killexams1.isblog.net/ms-700-managing-microsoft-teams-2021-update-question-bank-by-killexams-com-14569700
https://sites.google.com/view/killexams-ms-700-cheatsheet
https://files.fm/f/ey9vk57zn
http://feeds.feedburner.com/PassingTheMs-700ExamIsEasyWithKillexamscom



Similar Websites :
Pass4sure Certification exam Practice Tests
Pass4Sure Certification Question Bank






Direct Download

MS-700 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.

MS-700 Reviews

100% Valid and Up to Date MS-700 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