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-721?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der MS-721: Microsoft 365 Certified: Collaboration Communications Systems Engineer Associate Prüfung.

2024 Updated Actual MS-721 questions as experienced in Test Center

Aktuelle MS-721 Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz

MS-721 Braindumps - Microsoft 365 Certified: Collaboration Communications Systems Engineer Associate | https://www.easyfinanz.cc/

Microsoft MS-721 : Microsoft 365 Certified: Collaboration Communications Systems Engineer Associate exam Dumps

Exam Dumps Organized by Martin Hoax



Latest 2024 Updated Microsoft Microsoft 365 Certified: Collaboration Communications Systems Engineer Associate Syllabus
MS-721 real qeustions / Braindumps contains actual exam Questions

Practice Tests and Free VCE Software - Questions Updated on Daily Basis
Big Discount / Cheapest price & 100% Pass Guarantee




MS-721 Test Center Questions : Download 100% Free MS-721 real qeustions (PDF and VCE)

Exam Number : MS-721
Exam Name : Microsoft 365 Certified: Collaboration Communications Systems Engineer Associate
Vendor Name : Microsoft
Update : Click Here to Check Latest Update
Question Bank : Check Questions

People used these MS-721 PDF Download to get 100% marks
We offer 100% free MS-721 Exam Questions for get and evaluation. Their Microsoft MS-721 exam provides exam questions with valid answers that mirror the real exam. Killexams.com is committed to helping you achieve good grades in your MS-721 test.

Passing the genuine Microsoft MS-721 exam is not an easy task that can be accomplished by simply relying on MS-721 textbooks or free online PDF Braindumps. The exam contains a number of complex scenarios and tricky questions that can confuse even the most seasoned candidates. However, killexams.com comes to the rescue by providing real MS-721 questions in the form of Dumps and VCE test simulator. To get started, you can get the free MS-721 PDF Braindumps before registering for the full version of MS-721 Dumps. They certain that you will be satisfied with the quality of PDF Dumps.

At killexams.com, they understand the importance of practicing with real exam questions before taking the Microsoft MS-721 exam. That's why they offer a comprehensive MS-721 questions bank that includes actual questions asked in previous exams. By practicing with their Dumps and VCE test simulator, you will be able to familiarize yourself with the exam format and gain confidence in your ability to answer tricky questions. Their aim is to help you pass the Microsoft MS-721 exam on your first attempt with a high score, and they are confident that their resources can help you achieve this goal.







MS-721 exam Format | MS-721 Course Contents | MS-721 Course Outline | MS-721 exam Syllabus | MS-721 exam Objectives




Killexams Review | Reputation | Testimonials | Feedback


Can I find phone number of MS-721 Certified experts?
It is challenging to find test materials with all the necessary capabilities for the MS-721 exam. Luckily, I found killexams.com, which provided comprehensive and useful information. The education and learning of each course were made seamless through their Dumps, and I urge my friends to use them.


Actual test questions MS-721 exam are available now.
Passing my MS-721 exam was crucial for me to retain my job in my current company, and it was not an easy job without some help. Thanks to killexams.com preparation pack, which included MS-721 questions answers and exam simulator, I learned so much and passed my MS-721 exam with pride. Great work, killexams.com.


Where am i able to locate Free MS-721 real qeustions and questions?
I am delighted with my high score in the MS-721 exam, and I owe it all to killexams.com. I never thought I could do it, but they made me believe otherwise. The online educators at killexams.com are dedicated and passionate about their work, and I salute them for their efforts.


How long prep is required to pass MS-721 exam?
I am happy to report that I passed the MS-721 exam with the help of killexams.com Braindumps and exam Simulator. Although the exam was tough, I was able to get past it thanks to the hours I spent honing my skills on the killexams.com exam simulator. Consolidating the distinct segments helped me achieve success, and I am thrilled to have obtained my statement.


How many days required for MS-721 exam?
I had an outstanding experience using killexams.com as my exam preparation tool for the MS-721 exam, and I even received a maximum score! The exam simulator and practice exam format helped me memorize the material very well, allowing me to draw upon this knowledge in the future. Additionally, the quality of the materials is superb, and the exam simulator is very light and user-friendly. I didn't encounter any issues, making this an excellent value for the money.


Microsoft Systems Practice Test

 

Aehr Test Systems

Stocks: Real-time U.S. stock quotes reflect trades reported through Nasdaq only; comprehensive quotes and volume reflect trading in all markets and are delayed at least 15 minutes. International stock quotes are delayed as per exchange requirements. Fundamental company data and analyst estimates provided by FactSet. Copyright 2019© FactSet Research Systems Inc. All rights reserved. Source: FactSet

Indexes: Index quotes may be real-time or delayed as per exchange requirements; refer to time stamps for information on any delays. Source: FactSet

Markets Diary: Data on U.S. Overview page represent trading in all U.S. markets and updates until 8 p.m. See Closing Diaries table for 4 p.m. closing data. Sources: FactSet, Dow Jones

Stock Movers: Gainers, decliners and most actives market activity tables are a combination of NYSE, Nasdaq, NYSE American and NYSE Arca listings. Sources: FactSet, Dow Jones

ETF Movers: Includes ETFs & ETNs with volume of at least 50,000. Sources: FactSet, Dow Jones

Bonds: Bond quotes are updated in real-time. Sources: FactSet, Tullett Prebon

Currencies: Currency quotes are updated in real-time. Sources: FactSet, Tullett Prebon

Commodities & Futures: Futures prices are delayed at least 10 minutes as per exchange requirements. Change value during the period between open outcry settle and the commencement of the next day's trading is calculated as the difference between the last trade and the prior day's settle. Change value during other periods is calculated as the difference between the last trade and the most accurate settle. Source: FactSet

Data are provided 'as is' for informational purposes only and are not intended for trading purposes. FactSet (a) does not make any express or implied warranties of any kind regarding the data, including, without limitation, any warranty of merchantability or fitness for a particular purpose or use; and (b) shall not be liable for any errors, incompleteness, interruption or delay, action taken in reliance on any data, or for any damages resulting therefrom. Data may be intentionally delayed pursuant to provider requirements.

Mutual Funds & ETFs: All of the mutual fund and ETF information contained in this display, with the exception of the current price and price history, was supplied by Lipper, A Refinitiv Company, subject to the following: Copyright 2019© Refinitiv. All rights reserved. Any copying, republication or redistribution of Lipper content, including by caching, framing or similar means, is expressly prohibited without the prior written consent of Lipper. Lipper shall not be liable for any errors or delays in the content, or for any actions taken in reliance thereon.

Cryptocurrencies: Cryptocurrency quotes are updated in real-time. Sources: CoinDesk (Bitcoin), Kraken (all other cryptocurrencies)

Calendars and Economy: 'Actual' numbers are added to the table after economic reports are released. Source: Kantar Media


Testing Ethical Boundaries. The New York Times Sues Microsoft And OpenAI On Copyright Concerns

Governance and Ethics in AI

getty

As I predicted in my 2024 AI musings ahead, the Responsible AI (aka ethical lawsuits) are now well underway and they will become far more litigious as the New Year unfolds against the practice of using generative AI methods. These AI methods use large language models (LLMs) and they need lots and lots of data to train them. Unfortunately, technology leaders have scraped the world-wide web, and many other sources without permission, hence challenging “fairness” practices on copyright.

The 2023 year end whopper case to watch is The New York Times is suing OpenAI and Microsoft for billions, accusing them of training their generative AI “chatGPT” models with millions of copyright newspaper articles without permission, a new case filed in late December, 2023 in the Manhattan Federal court.

The claim states that: "Defendants seek to free-ride on the Times's massive investment in its journalism by using it to build substitutive products without permission or payment.. There is nothing 'transformative' about using the Times's content without payment to create products that substitute for the Times and steal audiences away from it."

OpenAI has also responded and said: "We respect the rights of content creators and owners and are committed to working with them to ensure they benefit from AI technology and new revenue models”, on CBC News.

The ethical dynamics of not setting up the right partnership in the first place is another disappointment in the ethical leadership practices of the Tech Titans.

This is not the first law suit filed against OpenAI. Earlier this fall, the Author’s Guild., with support from seventeen prominent U.S. authors like; George R.R. Martin, John Grisham and Jodi Picoult alleging the company had pirated hundreds of books online without permission or compensation.

Furthermore, the authors allege "flagrant and harmful infringements of plaintiffs' registered copyrights" and called the ChatGPT program a "massive commercial enterprise" that is reliant upon "systematic theft on a mass scale."

OpenAI has prior argued in court on other lawsuits on their copyright infringement that the training of AI systems using copyrighted material is fair use of content.

We are going to see a flood of legal suits on generative AI in 2024 against Meta, Microsoft, and more against OpenAI.

We have at least seen Apple announce an ethical approach to discussing upfront with the US Media giants their interest in partnering on AI generative AI training needs and finding new revenue sharing models.

Smart Move by Apple.

Should Microsoft and OpenAI be held responsible for billions of dollars in damages?

This lawsuit is one to be watched and this conversation is long overdue. With ChatGPT sometimes generating, "exact verbatim excerpts" from New York Times articles, which cannot be accessed without paying for a subscription this seems like an infringement.

This all comes after a month of chaos at OpenAI where Sam Altman CEO and founder was ousted, and then over the weekend was reinstated, firing his board of directors as there were concerns by the prior board on how serious he was leading Ethical AI practices.

At this time, none of these cases have been resolved. But one thing they can count on generative AI will come under a great deal more scrutiny as 2024 unfolds.

The court’s rulings here will be critical to advance ethical AI practices and guard rails on what is “fair” versus predatory.

We have too many leadership behaviors that encroach on others Intellectual Property (IP) and try to mask or muddy the authenticity of communication and sources of origination of ideas and content. Some realities simply are values based on what is right or wrong. The court rulings will be critical to advance ethical AI governance.

I for one will be following these cases closely and this also sends a wake -up call to all technology titans, and technology industry leaders that respect, integrity and transparency on operating practices need an ethical overhauling.

One of the important leadership behaviors is risk management and looking at all stakeholder views and appreciating the risks that can be incurred. I am desparate to see how Apple approaches these dynamics to build a stronger ethical brand profile.

Note: Microsoft has invested more than $10 billion in OpenAI. Open AI is currently valued at $100B, and Microsoft’s market cap is over over $2.3 trillion.


 


While it is very hard task to choose reliable certification questions / answers resources with respect to review, reputation and validity because people get ripoff due to choosing wrong service. Killexams.com make it sure to serve its clients best to its resources with respect to real qeustions update and validity. Most of other's ripoff report complaint clients come to us for the brain dumps and pass their exams happily and easily. They never compromise on their review, reputation and quality because killexams review, killexams reputation and killexams client confidence is important to us. Specially they take care of killexams.com review, killexams.com reputation, killexams.com ripoff report complaint, killexams.com trust, killexams.com validity, killexams.com report and killexams.com scam. The same care that they take about killexams review, killexams reputation, killexams ripoff report complaint, killexams trust, killexams validity, killexams report and killexams scam. If you see any false report posted by their competitors with the name killexams ripoff report complaint internet, killexams ripoff report, killexams 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 thousands of satisfied customers that pass their exams using killexams.com brain dumps, killexams PDF questions, killexams practice questions, killexams exam simulator. Visit Their sample questions and sample brain dumps, their exam simulator and you will definitely know that killexams.com is the best brain dumps site.

Which is the best dumps website?
Of course, Killexams is 100% legit together with fully trustworthy. There are several functions that makes killexams.com genuine and authentic. It provides up to par and 100% valid real qeustions formulated with real exams questions and answers. Price is surprisingly low as compared to almost all services online. The Braindumps are updated on regular basis by using most accurate brain dumps. Killexams account method and products delivery is very fast. Data downloading is usually unlimited and fast. Aid is avaiable via Livechat and Message. These are the characteristics that makes killexams.com a sturdy website that come with real qeustions with real exams questions.



Is killexams.com test material dependable?
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 2024 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. real qeustions provided by killexams.com are Reliable, Up-to-date and validated by Certified Professionals. They maintain question bank of valid Questions that is kept up-to-date by checking update on daily basis.

If you want to Pass your exam Fast with improvement in your knowledge about latest course contents and subjects 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 real qeustions 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.




4A0-115 model question | OG0-081 PDF Questions | QAWI201V3-0 practice exam | HPE0-J68 test prep | ADM-211 braindumps | 3002 actual Questions | UIPATH-ARDV1 real qeustions | SPLK-1005 free pdf | ACA-BIGDATA1 exam questions | QQ0-401 Real exam Questions | PSM-I Practice Questions | MORF braindumps | DEA-C01 certification sample | CPCE cbt | NSE6 Braindumps | CIMAPRO15-E03-X1-ENG boot camp | 920-260 exam test | MOVF exam questions | CPUX-F exam Questions | CRCM Cheatsheet |


MS-721 - Microsoft 365 Certified: Collaboration Communications Systems Engineer Associate test
MS-721 - Microsoft 365 Certified: Collaboration Communications Systems Engineer Associate guide
MS-721 - Microsoft 365 Certified: Collaboration Communications Systems Engineer Associate Cheatsheet
MS-721 - Microsoft 365 Certified: Collaboration Communications Systems Engineer Associate exam format
MS-721 - Microsoft 365 Certified: Collaboration Communications Systems Engineer Associate exam Questions
MS-721 - Microsoft 365 Certified: Collaboration Communications Systems Engineer Associate exam dumps
MS-721 - Microsoft 365 Certified: Collaboration Communications Systems Engineer Associate outline
MS-721 - Microsoft 365 Certified: Collaboration Communications Systems Engineer Associate education
MS-721 - Microsoft 365 Certified: Collaboration Communications Systems Engineer Associate learn
MS-721 - Microsoft 365 Certified: Collaboration Communications Systems Engineer Associate questions
MS-721 - Microsoft 365 Certified: Collaboration Communications Systems Engineer Associate guide
MS-721 - Microsoft 365 Certified: Collaboration Communications Systems Engineer Associate exam syllabus
MS-721 - Microsoft 365 Certified: Collaboration Communications Systems Engineer Associate exam syllabus
MS-721 - Microsoft 365 Certified: Collaboration Communications Systems Engineer Associate exam format
MS-721 - Microsoft 365 Certified: Collaboration Communications Systems Engineer Associate Free PDF
MS-721 - Microsoft 365 Certified: Collaboration Communications Systems Engineer Associate PDF Braindumps
MS-721 - Microsoft 365 Certified: Collaboration Communications Systems Engineer Associate actual Questions
MS-721 - Microsoft 365 Certified: Collaboration Communications Systems Engineer Associate braindumps
MS-721 - Microsoft 365 Certified: Collaboration Communications Systems Engineer Associate testing
MS-721 - Microsoft 365 Certified: Collaboration Communications Systems Engineer Associate actual Questions
MS-721 - Microsoft 365 Certified: Collaboration Communications Systems Engineer Associate exam format
MS-721 - Microsoft 365 Certified: Collaboration Communications Systems Engineer Associate syllabus
MS-721 - Microsoft 365 Certified: Collaboration Communications Systems Engineer Associate braindumps
MS-721 - Microsoft 365 Certified: Collaboration Communications Systems Engineer Associate answers
MS-721 - Microsoft 365 Certified: Collaboration Communications Systems Engineer Associate tricks
MS-721 - Microsoft 365 Certified: Collaboration Communications Systems Engineer Associate Cheatsheet
MS-721 - Microsoft 365 Certified: Collaboration Communications Systems Engineer Associate braindumps
MS-721 - Microsoft 365 Certified: Collaboration Communications Systems Engineer Associate Questions and Answers
MS-721 - Microsoft 365 Certified: Collaboration Communications Systems Engineer Associate exam format
MS-721 - Microsoft 365 Certified: Collaboration Communications Systems Engineer Associate PDF Questions
MS-721 - Microsoft 365 Certified: Collaboration Communications Systems Engineer Associate PDF Dumps
MS-721 - Microsoft 365 Certified: Collaboration Communications Systems Engineer Associate exam syllabus
MS-721 - Microsoft 365 Certified: Collaboration Communications Systems Engineer Associate test
MS-721 - Microsoft 365 Certified: Collaboration Communications Systems Engineer Associate test prep
MS-721 - Microsoft 365 Certified: Collaboration Communications Systems Engineer Associate exam success
MS-721 - Microsoft 365 Certified: Collaboration Communications Systems Engineer Associate exam success
MS-721 - Microsoft 365 Certified: Collaboration Communications Systems Engineer Associate exam dumps
MS-721 - Microsoft 365 Certified: Collaboration Communications Systems Engineer Associate Practice Questions
MS-721 - Microsoft 365 Certified: Collaboration Communications Systems Engineer Associate Latest Topics
MS-721 - Microsoft 365 Certified: Collaboration Communications Systems Engineer Associate Latest Topics
MS-721 - Microsoft 365 Certified: Collaboration Communications Systems Engineer Associate Real exam Questions
MS-721 - Microsoft 365 Certified: Collaboration Communications Systems Engineer Associate exam
MS-721 - Microsoft 365 Certified: Collaboration Communications Systems Engineer Associate PDF Dumps
MS-721 - Microsoft 365 Certified: Collaboration Communications Systems Engineer Associate answers

Other Microsoft exam Dumps


MB-230 Dumps | AZ-304 Cheatsheet | SC-100 test prep | AZ-204 exam questions | SC-400 practice exam | AI-102 dumps questions | SC-200 Free exam PDF | PL-900 PDF Braindumps | PL-400 exam Questions | AZ-400 exam answers | MB-220 real questions | MB-210 sample test | AZ-800 brain dumps | MB-330 exam dumps | MB-500 exam Questions | MB-340 study material | AZ-305 bootcamp | SC-900 cram | MB-910 past exams | MB-700 exam questions |


Best real qeustions You Ever Experienced


050-CSEDLPS exam Questions | LSAT-reading-comprehension braindumps | OG0-092 exam answers | ARA02 real questions | CLTD past bar exams | 201-450 exam Braindumps | ARA01 download | 2B0-023 test prep | C90-06A free prep | ARA-C01 free pdf | CCFA-200 free pdf | CVA dump | SSM boot camp | NCP-MCI actual Questions | NS0-163 dumps | MSNCB PDF Download | PAM-DEF-SEN pass exam | IIA-CRMA study guide | 090-602 online exam | CFSW study guide |





References :





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






Direct Download

MS-721 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-721 Reviews

100% Valid and Up to Date MS-721 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