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 NCEES-PE-Civil-Transportation?
Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der NCEES-PE-Civil-Transportation: NCEES PE Civil Engineering: Transportation Prüfung.
2025 Updated Actual NCEES-PE-Civil-Transportation questions as experienced in Test Center
Aktuelle NCEES-PE-Civil-Transportation Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz
![]() NCEES NCEES-PE-Civil-Transportation : NCEES PE Civil Engineering: Transportation Practice TestsPractice Tests Organized by Martin Hoax |
Latest 2025 Updated NCEES NCEES PE Civil Engineering: Transportation Syllabus
NCEES-PE-Civil-Transportation dumps questions with Premium PDF and Test Engine
Practice Tests and Free VCE Software - Questions Updated on Daily Basis
Big Discount / Cheapest price & 100% Pass Guarantee
NCEES-PE-Civil-Transportation dumps questions : Download 100% Free NCEES-PE-Civil-Transportation practice exams (PDF and VCE)
Exam Number : NCEES-PE-Civil-Transportation
Exam Name : NCEES PE Civil Engineering: Transportation
Vendor Name : NCEES
Update : Click Here to Check Latest Update
Question Bank : Check Questions
killexams.com 100% obtain NCEES-PE-Civil-Transportation Exam Cram
We provide the latest and most up-to-date NCEES-PE-Civil-Transportation Study Guide with Questions and Answers on new topics. Practice their NCEES-PE-Civil-Transportation PDF Download Questions and PDF Questions to enhance your knowledge and pass the NCEES-PE-Civil-Transportation test with high marks. They ensure your success in the test center, covering every aspect of the test and improving your understanding of the NCEES-PE-Civil-Transportation test. Pass with confidence using their real test questions.
Many candidates have given testimonials of passing the NCEES-PE-Civil-Transportation test with the help of their Exam Questions. They are now working in great positions within their organizations. It is a fact that after using their NCEES-PE-Civil-Transportation Latest Questions, they have seen improvements in their knowledge and skills. They can confidently work as experts in their respective fields. Their focus is not just on passing the NCEES-PE-Civil-Transportation test with their braindumps, but also on improving their candidates' understanding of NCEES-PE-Civil-Transportation goals and objectives. This is how individuals become successful in their careers.
If you are looking to pass the NCEES NCEES-PE-Civil-Transportation test to get a job or advance your current position within your organization, then you should register at killexams.com. Their team of experts collects genuine NCEES-PE-Civil-Transportation test questions at killexams.com. You will receive NCEES PE Civil Engineering: Transportation test questions to ensure that you pass the NCEES-PE-Civil-Transportation test. Every time you log in to your account, you will be able to obtain updated NCEES-PE-Civil-Transportation test questions. While there are many organizations that offer NCEES-PE-Civil-Transportation Premium Questions and Ans, only valid and up-to-date 2025 NCEES-PE-Civil-Transportation Mock Exam are significant. Be careful relying solely on Free Dumps found on the internet, as you may fail the test. Therefore, paying a small fee for killexams NCEES-PE-Civil-Transportation genuine questions is a smart choice to avoid significant test expenses.

NCEES-PE-Civil-Transportation test Format | NCEES-PE-Civil-Transportation Course Contents | NCEES-PE-Civil-Transportation Course Outline | NCEES-PE-Civil-Transportation test Syllabus | NCEES-PE-Civil-Transportation test Objectives
- Quantity and cost estimating
- Project schedules
- activity identification
- sequencing
- Economic analysis
- present worth
- lifecycle costs
- Traffic Engineering
- Capacity Analysis
- Transportation Planning
- Safety Analysis
- Uninterrupted flow
- level of service [LOS]
- capacity
- Street segment interrupted flow
- level of service [LOS]
- running time
- travel speed
- Intersection capacity
- at grade
- signalized
- roundabout
- interchange
- Traffic analysis
- volume studies
- peak hour factor
- speed studies
- modal split
- trip generation
- traffic impact studies
- Traffic safety analysis
- conflict analysis
- crash rates
- collision diagrams
- Nonmotorized facilities analysis
- pedestrian
- bicycle
- Traffic forecasts and monitoring
- Highway safety analysis
- crash modification factors
- Highway Safety Manual
- Forgiving roadside concepts
- clear zone
- recoverable slopes
- roadside obstacles
- Barrier design
- barrier types
- end treatments
- crash cushions
- Cross-section elements
- lane widths
- shoulders
- bike lane
- sidewalks
- retaining walls
- Non-motorized design considerations
- shared-use paths
- bicycle facilities
- pedestrian facilities
- ADA compliance
- traffic-calming features
- Basic circular curve elements
- middle ordinate
- length
- chord definition
- radius definition
- centerline stationing
- Sight distance considerations
- Superelevation
- rate
- transitions
- method
- components
- Special horizontal curves
- compound/reverse curves
- curve widening
- coordination with vertical geometry
- Vertical alignment
- geometrics
- vertical clearance
- Stopping and passing sight distance
- crest curve
- sag curve
- Intersection Geometry
- Intersection sight distance
- Interchanges
- freeway merge
- entrance and exit design
- horizontal design
- vertical design
- At-grade intersection layout, including roundabouts
- Traffic signal timing
- clearance intervals
- phasing
- pedestrian crossing timing
- railroad preemption
- Traffic signal warrants
- Traffic signal design
- Permanent signs and pavement markings
- Temporary traffic control
- Geotechnical and Pavement
- Sampling, testing, evaluation, and soil stabilization techniques
- soil classifications
- subgrade resilient modulus
- CBR
- R-values
- field tests
- slope stability
- Soil properties
- strength
- permeability
- compressibility
- phase relationships
- Compaction, excavation, embankment, and mass balance
- Traffic characterization parameters, pavement design, and rehabilitation procedures
- flexible
- rigid pavement
- Hydrology, including runoff and water quality mitigation measures
- Hydraulics, including culvert and storm water collection system design
- inlet capacities
- pipe flow
- hydraulic energy dissipation
- peak flow mitigation/detention
- open-channel flow
Killexams Review | Reputation | Testimonials | Feedback
Save your time and money; take these NCEES-PE-Civil-Transportation Questions and Answers and prepare for the exam.
The team at killexams.com provides valuable practice Questions and Answers with explanations. Thanks to their questions banks, I have passed exams like NCEES-PE-Civil-Transportation with 95% marks. The unique and accurately described answers in their mock tests were very helpful. Keep up the great work.
Don't spend a large amount on NCEES-PE-Civil-Transportation courses; try these questions instead.
Killexams.com is an excellent website where my goals came true. Their Questions and Answers material added the spark I needed to study and helped me achieve superb marks in my NCEES-PE-Civil-Transportation exam. It is easy to pass any test with the help of their test material. Thank you for everything. Keep up the incredible work.
Memorize these NCEES-PE-Civil-Transportation questions.
Thanks to the killexams.com team for providing a valuable practice VCE test with explanations. I have passed the NCEES-PE-Civil-Transportation test with 73% marks and subscribed to diverse practice exams for future exams. The mock tests were also helpful in passing my NCEES-PE-Civil-Transportation test with 75%. The specific and well-explained answers were fantastic, so keep up the good work.
I want updated practice exams for the NCEES-PE-Civil-Transportation exam.
I am grateful to the entire team at killexams.com for helping me pass my NCEES-PE-Civil-Transportation exam. The training material is superb, and I appreciate the great work done by all of you. I plan to use your product for my subsequent exam.
The NCEES-PE-Civil-Transportation certification test is quite difficult; I need updated practice tests.
I am ecstatic to report that I passed the NCEES-PE-Civil-Transportation test with a remarkable score of 92%. The notes provided by killexams.com made the entire process much easier and smoother for me. I commend the team for their excellent work and urge them to continue producing high-quality materials. The study notes and practice exams were instrumental in my success. The subjects of teacher communication and presentation skills were covered exceptionally well.
NCEES NCEES answers
NCEES-PE-Civil-Transportation Exam
User: Joaquín*****![]() ![]() ![]() ![]() ![]() The Questions and Answers provided by Killexams.com were extremely useful for professionals like me, and I am grateful for their platform. The revision exercise tests helped me secure an 88% score on the ncees pe civil engineering: transportation exam, and I suggest that Killexams.com should broaden their reach by creating an Android app for people like me who want to practice while on the go. |
User: Syuzanna*****![]() ![]() ![]() ![]() ![]() My roommate and I used killexams.com to prepare for their NCEES-PE-CIVIL-TRANSPORTATION exam, and they both agreed that it was the best online resource available. They were both happy with their results, and I performed exceptionally well. Thanks to killexams.com for providing us with the guidance they needed to succeed. |
User: Kodiak*****![]() ![]() ![]() ![]() ![]() I recently passed the NCEES-PE-CIVIL-TRANSPORTATION test in just 30 minutes, and I found the questions to be quite similar to those provided by Killexams.com. Although there were a few differences, I was able to overcome them with the help of the preparation materials I invested in. The Killexams.com Questions and Answers and test Simulator proved to be a reliable source of test preparation, and I highly recommend them to others. Overall, I am grateful for the assistance provided by Killexams.com. |
User: Tiane*****![]() ![]() ![]() ![]() ![]() If you want valid NCEES-PE-CIVIL-TRANSPORTATION education on how it works and what the tests are, then do not waste your time and choose Killexams.com as the final source of assistance. I sought NCEES-PE-CIVIL-TRANSPORTATION education, and I opted for this great test simulator, which provided me with the best Questions and Answers I have ever seen. The study publications were also very helpful. |
User: Tiana*****![]() ![]() ![]() ![]() ![]() I have renewed my subscription with Killexams.com for the NCEES-PE-CIVIL-TRANSPORTATION test because their exams and resources have been crucial to my success. I am confident that I can achieve my NCEES-PE-CIVIL-TRANSPORTATION accreditation with their help and score above 95% on the exam. |
NCEES-PE-Civil-Transportation Exam
Question: Does killexams share my email address with anyone? Answer: No, never. Killexams privacy policy is very strict. Your name and email address are kept highly confidential. Killexams has no access to your data. Your email is used to communicate with you and your name is used to create a username and password. That's all. |
Question: I can read NCEES-PE-Civil-Transportation PDF but I am unable to run test simulator, can you help? Answer: Exam Simulator and PDF use the same question/answers pool. If your test simulator is not working, you should go through step by step guide to install and run the test simulator. The guide can be accessed at https://killexams.com/exam-simulator-installation.html You should also go through FAQ for troubleshooting. If you still could not solve the issue, you can contact support via live chat or email and they will be happy to solve your issue. Their live support can also login to your computer and install the software if you have TeamViewer installed on your computer and you send us your private login information. |
Question: What features killexams exams simulator provide? Answer: Killexams provide two sections, Practice Exam, and Real Test Practice. The practice test is used for training. You can see the answer anytime during the test. All other features are available to you. In the end, you will see your score report. Real Test Practice is like the test you experience in the test center. You can not see the answer and you have to answer all the questions in the specified time. Your performance is recorded and you can see a graph of your performance. |
Question: What is validity of NCEES-PE-Civil-Transportation test questions? Answer: You can choose from 3 months, 6 months and 12 months obtain accounts. During this period you will be able to obtain your NCEES-PE-Civil-Transportation VCE test as much time as you can. All the updates during this time will be provided in your account. |
Question: I need valid NCEES-PE-Civil-Transportation questions, where should I go? Answer: You visit the killexams NCEES-PE-Civil-Transportation test page, you will be able to get complete details of valid NCEES-PE-Civil-Transportation questions. You can also go to https://killexams.com/demo-download/NCEES-PE-Civil-Transportation.pdf to obtain NCEES-PE-Civil-Transportation demo questions. After review visit and register to obtain the complete dumps questions of NCEES-PE-Civil-Transportation test test prep. These NCEES-PE-Civil-Transportation test questions are taken from genuine test sources, that's why these NCEES-PE-Civil-Transportation test questions are sufficient to read and pass the exam. Although you can use other sources also for improvement of knowledge like textbooks and other aid material these NCEES-PE-Civil-Transportation questions are enough to pass the exam. |
https://www.pass4surez.com/art/read.php?keyword=NCEES+NCEES+answers&lang=us&links=remove
Unquestionably it is hard assignment to pick dependable certification questions/answers assets regarding review, reputation and validity since individuals get sham because of picking incorrectly benefit. Killexams.com ensure to serve its customers best to its assets concerning ACTUAL EXAM QUESTIONS update and validity. The vast majority of other's sham report dissension customers come to us for the brain dumps and pass their exams joyfully and effortlessly. They never trade off on their review, reputation and quality on the grounds that killexams review, killexams reputation and killexams customer certainty is imperative to us. Uniquely they deal with killexams.com review, killexams.com reputation, killexams.com sham report objection, killexams.com trust, killexams.com validity, killexams.com report and killexams.com scam. On the off chance that you see any false report posted by their rivals with the name killexams sham report grievance web, killexams.com sham report, killexams.com scam, killexams.com protest or something like this, simply remember there are constantly awful individuals harming reputation of good administrations because of their advantages. There are a huge number of fulfilled clients that pass their exams utilizing killexams.com brain dumps, killexams PDF questions, killexams hone questions, killexams test simulator. Visit Killexams.com, their specimen questions and test brain dumps, their test simulator and you will realize that killexams.com is the best brain dumps site.
Which is the best practice exams website?
Certainly, Killexams is fully legit in addition to fully trusted. There are several options that makes killexams.com legitimate and respectable. It provides knowledgeable and fully valid test questions made up of real exams questions and answers. Price is nominal as compared to a lot of the services online. The Questions and Answers are up graded on regular basis by using most latest questions. Killexams account launched and item delivery is extremely fast. Computer file downloading is certainly unlimited and really fast. Help is avaiable via Livechat and E mail. These are the characteristics that makes killexams.com a robust website that provide test prep with real exams questions.
Is killexams.com test material dependable?
There are several Questions and Answers provider in the market claiming that they provide genuine test Questions, Braindumps, Practice Tests, Study Guides, cheat sheet and many other names, but most of them are re-sellers that do not update their contents frequently. Killexams.com is best website of Year 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 test Questions and Answers with the same frequency as they are updated in Real Test. test questions provided by killexams.com are Reliable, Up-to-date and validated by Certified Professionals. They maintain dumps questions of valid Questions that is kept up-to-date by checking update on daily basis.
If you want to Pass your test Fast with improvement in your knowledge about latest course contents and courses of new syllabus, They recommend to obtain PDF test Questions from killexams.com and get ready for genuine exam. When you feel that you should register for Premium Version, Just choose visit killexams.com and register, you will receive your Username/Password in your Email within 5 to 10 minutes. All the future updates and changes in Questions and Answers will be provided in your obtain Account. You can obtain Premium VCE test files as many times as you want, There is no limit.
Killexams.com has provided VCE VCE test Software to Practice your test by Taking Test Frequently. It asks the Real test Questions and Marks Your Progress. You can take test as many times as you want. There is no limit. It will make your test prep very fast and effective. When you start getting 100% Marks with complete Pool of Questions, you will be ready to take genuine Test. Go register for Test in Test Center and Enjoy your Success.
ACP-600 study guide | GERO-BC cram book | CIFC test Questions | 2B0-100 pass test | S90.02A VCE test | 2V0-01-19 test practice | C1000-147 Study Guide | C1000-162 practice questions | JN0-223 free prep | CWISA-101 free study guide | NCP-MCI mock questions | DCPDS Real test Questions | HPE6-A71 study guide | GE0-807 pass marks | CBIC-CIC pdf study guide | S2000-012 Free PDF | CTAL-TTA-001 free practice exams | 9L0-827 practice questions | 2B0-202 practice test | H13-711_V3.0-ENU free questions |
NCEES-PE-Civil-Transportation - NCEES PE Civil Engineering: Transportation test Cram
NCEES-PE-Civil-Transportation - NCEES PE Civil Engineering: Transportation genuine Questions
NCEES-PE-Civil-Transportation - NCEES PE Civil Engineering: Transportation Real test Questions
NCEES-PE-Civil-Transportation - NCEES PE Civil Engineering: Transportation Practice Questions
NCEES-PE-Civil-Transportation - NCEES PE Civil Engineering: Transportation study tips
NCEES-PE-Civil-Transportation - NCEES PE Civil Engineering: Transportation Latest Questions
NCEES-PE-Civil-Transportation - NCEES PE Civil Engineering: Transportation test questions
NCEES-PE-Civil-Transportation - NCEES PE Civil Engineering: Transportation testprep
NCEES-PE-Civil-Transportation - NCEES PE Civil Engineering: Transportation test
NCEES-PE-Civil-Transportation - NCEES PE Civil Engineering: Transportation guide
NCEES-PE-Civil-Transportation - NCEES PE Civil Engineering: Transportation Question Bank
NCEES-PE-Civil-Transportation - NCEES PE Civil Engineering: Transportation Free test PDF
NCEES-PE-Civil-Transportation - NCEES PE Civil Engineering: Transportation exam
NCEES-PE-Civil-Transportation - NCEES PE Civil Engineering: Transportation answers
NCEES-PE-Civil-Transportation - NCEES PE Civil Engineering: Transportation test prep
NCEES-PE-Civil-Transportation - NCEES PE Civil Engineering: Transportation real questions
NCEES-PE-Civil-Transportation - NCEES PE Civil Engineering: Transportation test contents
NCEES-PE-Civil-Transportation - NCEES PE Civil Engineering: Transportation information hunger
NCEES-PE-Civil-Transportation - NCEES PE Civil Engineering: Transportation test syllabus
NCEES-PE-Civil-Transportation - NCEES PE Civil Engineering: Transportation study tips
NCEES-PE-Civil-Transportation - NCEES PE Civil Engineering: Transportation Questions and Answers
NCEES-PE-Civil-Transportation - NCEES PE Civil Engineering: Transportation test
NCEES-PE-Civil-Transportation - NCEES PE Civil Engineering: Transportation boot camp
NCEES-PE-Civil-Transportation - NCEES PE Civil Engineering: Transportation PDF Download
NCEES-PE-Civil-Transportation - NCEES PE Civil Engineering: Transportation premium pdf
NCEES-PE-Civil-Transportation - NCEES PE Civil Engineering: Transportation study tips
NCEES-PE-Civil-Transportation - NCEES PE Civil Engineering: Transportation test Cram
NCEES-PE-Civil-Transportation - NCEES PE Civil Engineering: Transportation real questions
NCEES-PE-Civil-Transportation - NCEES PE Civil Engineering: Transportation certification
NCEES-PE-Civil-Transportation - NCEES PE Civil Engineering: Transportation test Questions
NCEES-PE-Civil-Transportation - NCEES PE Civil Engineering: Transportation Practice Test
NCEES-PE-Civil-Transportation - NCEES PE Civil Engineering: Transportation questions
NCEES-PE-Civil-Transportation - NCEES PE Civil Engineering: Transportation PDF download
NCEES-PE-Civil-Transportation - NCEES PE Civil Engineering: Transportation test prep
NCEES-PE-Civil-Transportation - NCEES PE Civil Engineering: Transportation techniques
NCEES-PE-Civil-Transportation - NCEES PE Civil Engineering: Transportation Free test PDF
NCEES-PE-Civil-Transportation - NCEES PE Civil Engineering: Transportation Free test PDF
NCEES-PE-Civil-Transportation - NCEES PE Civil Engineering: Transportation test success
NCEES-PE-Civil-Transportation - NCEES PE Civil Engineering: Transportation genuine Questions
NCEES-PE-Civil-Transportation - NCEES PE Civil Engineering: Transportation test
NCEES-PE-Civil-Transportation - NCEES PE Civil Engineering: Transportation boot camp
NCEES-PE-Civil-Transportation - NCEES PE Civil Engineering: Transportation learn
NCEES-PE-Civil-Transportation - NCEES PE Civil Engineering: Transportation PDF questions
NCEES-PE-Civil-Transportation - NCEES PE Civil Engineering: Transportation Questions and Answers
Other NCEES Practice Tests
NCEES-PE-Civil-Structural demo test questions | NCEES-PE-Civil-WRE examcollection | NCEES-PE-Electrical-and-Computer test answers | NCEES-FE-Electrical-and-Computer free practice test | NCEES-PE-Civil-Transportation mock questions | NCEES-PE-Civil-Construction Questions and Answers | NCEES-PE-Civil-Geotechnical practice questions | NCEES-FE model question |
Best practice exams You Ever Experienced
AZ-700 test prep | A00-250 Latest Questions | NNP-BC test preparation | CAU305 test prep | SIAMF test Cram | ICDL-Powerpoint model question | CPIM practice test | TMPTE Free test PDF | PL-900 free practice test | ACP-Sec1 mock test | CIMAPRA17-BA3-1-ENG study guide | 9L0-314 Latest Topics | HPE6-A44 cram | 156-587 VCE | 050-708 cram book | HPE6-A66 test cram | C1000-172 training material | H13-622 practice questions | C1000-143 practice questions | MS-220 Real test Questions |
References :
Similar Websites :
Pass4sure Certification test Practice Tests
Pass4Sure Certification Question Bank
NCEES-PE-Civil-Transportation 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 NCEES-PE-Civil-Transportation 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