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 OAT?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der OAT: Optometry Admission Test Prüfung.

2025 Updated Actual OAT questions as experienced in Test Center

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

Admission-Tests OAT : Optometry Admission Test Practice Tests

Practice Tests Organized by Martin Hoax



Latest 2025 Updated Admission-Tests Optometry Admission Test Syllabus
OAT question bank with Premium PDF and Test Engine

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




OAT question bank : Download 100% Free OAT practice questions (PDF and VCE)

Exam Number : OAT
Exam Name : Optometry Admission Test
Vendor Name : Admission-Tests
Update : Click Here to Check Latest Update
Question Bank : Check Questions

Download OAT TestPrep and practice with Cram Guide
Often, OAT test-takers are confused by free products available online, resulting in failure in the Optometry Admission Test exam. They advise spending a small amount and downloading the full version of OAT Latest Questions, Latest Questions, and ensuring your 100% success in the real test.

At killexams.com, they pride ourselves on helping individuals achieve success in their careers by passing the OAT test. Their Exam Questions has received many positive testimonials from individuals who have successfully passed the test and are now working in excellent positions within their organizations. By using their OAT Cram Guide, individuals have reported significant improvements in their knowledge and skills, allowing them to work confidently as experts in their field.

Our focus is not only on helping individuals pass the OAT test but also on improving their understanding of OAT concepts and topics. This approach has enabled their clients to become successful professionals in their respective fields. They take pride in their role in helping individuals achieve their career goals and will continue to provide high-quality resources and support to assist them in their journey towards success.







OAT test Format | OAT Course Contents | OAT Course Outline | OAT test Syllabus | OAT test Objectives


Tutorial : 15 minutes

Survey of the Natural Sciences : 90 minutes

Reading Comprehension Test : 50 minutes

Break (optional) : 15 minutes

Physics Test : 50 minutes

Quantitative Reasoning Test : 45 minutes

Post Test Survey : 10 minutes

Pre testing up to : 25 minutes

Total Time 275 to 300 minutes depending on the number of pretest questions



The OAT is an optometry admission test designed to provide optometry education programs with a means to assess program applicants potential for success. The OAT is administered year round by Prometric test centers in the United States, its territories (including Guam, Puerto Rico and the Virgin Islands) and Canada.



The OAT is comprised of multiple-choice test items presented in the English language. The test is developed according to established test specifications. The OAT consists of a battery of four tests on the following: Survey of the Natural Sciences, Physics, practicing Comprehension, and Quantitative Reasoning. In the OAT, both the U.S. customary system and the metric system (Imperial System) of units are used.



Before starting the application process, read the OAT Guide. At the time of application, you will be required to confirm that you have read this document, understood its contents, and agree to the policies and procedures contained herein.



How does one prepare for the OAT=> There are no shortcuts to the process of learning, and these test preparation materials are not designed to provide the examinee with an opportunity to bypass the extensive process of learning and understanding basic information through class participation and months of study. These test preparation materials contain samples of the four tests used in the Optometry Admission Testing Program. These are available to OAT examinees as a means of discovering possible areas of weakness in their comprehension of subjects covered by the test. They will also enable the examinee to become familiar with the types of material included in the test as well as with the general coverage and format of the various parts of the test battery.



The Optometry Admission Testing Program may include pretest questions in some test sections. Un-scored pretest questions are included on the test in order to ensure that these questions are appropriate before they are included among the scored items. If pretest questions are included in a test section, additional time will be allotted to that section of the test. Pretest questions are intermingled with the scored questions; therefore it is important to answer all questions.



The time limit is indicated on the computer screen for each section. If pretest questions ae included in a test section, additional time will be allotted to that section of the test. The Survey of the Natural Sciences and the practicing Comprehension Test are administered first. The Physics Test and the Quantitative Reasoning Test are administered after an optional 15 minute rest break.



The Survey of the Natural Sciences is an achievement test. The content is limited to those areas covered by an entire first-year course in biology, general chemistry, and organic chemistry. The test contains a total of 100 items: 40 biology items, 30 general chemistry items and 30 organic chemistry items. The time limit of the test is 90 minutes. Although the three science sections are identified, it is important that the examinees pace themselves since separate sub scores will be given for each section.



The practicing Comprehension Test contains passages typical of the level of material encountered in the first year of optometry school. Each passage is followed by 10 to 17 items, which can be answered from a practicing of the passage. One should not try to answer the questions until the passage is understood thoroughly. The time limit of the test is 50 minutes. Although these materials contain only one passage, the genuine practicing Comprehension Test contains three passages and has a total of 40 items.



The Physics Test is also an achievement test. The content is limited to those areas covered in a two-semester physics course. The test contains a total of 40 items. The time limit of the test is 50 minutes.



The Quantitative Reasoning Test measures the examinees ability to reason with numbers, to manipulate numerical relationships, and to deal intelligently with quantitative materials. The test contains 40 items. The time limit of the test is 45 minutes. Calculators are not permitted.



Killexams Review | Reputation | Testimonials | Feedback


Simply attempt these genuine OAT test questions, and success will be yours.
I found killexams.com to be the most satisfactory website when it came to taking care of and correcting all my errors in the OAT topic. The website allowed me to perform better in the test compared to others. I was satisfied to have valid OAT Dumps to study from, and it is an excellent assisting dump website for the OAT exam.


I had no problem! Three days of preparation with the latest OAT practice questions is all I needed.
The OAT practice questions from killexams.com were great, and the test simulator was a lifesaver for me. They charged me for the simulator and practice questions file, but it was worth the cost. The great support and excellent materials from killexams.com made my test preparation less stressful and helped me pass with flying colors.


I located the genuine question source for OAT.
My search for the best study material ended when my brother recommended the killexams.com Dumps for the OAT exam. The quality contents and easy-to-understand explanations helped me understand the Topics and pass the test with ease.


Updated and real test bank for the OAT test.
Passing the OAT exams became effortless for me, thanks to the useful internet site that provided me with thorough explanations for all the questions. I found the Dumps from killexams.com to be very helpful in my preparation for the exam. When the test was less than a week away, I was panic about my preparation and planned to retake the test if I got less than 80% marks. However, after following a friend's advice, I purchased the Dumps from killexams.com, which helped me prepare through well-composed material, and I passed with flying colors, scoring 90%.


Is there a shortcut to passing the OAT exam?
The questions provided by killexams.com were very similar to the genuine ones in the OAT exam. I passed the test the other day, thanks to killexams.com Dumps and test Simulator, which proved to be a tremendous asset for me. Several months ago, I had failed the test the first time I took it, but now I have passed it successfully.


Admission-Tests Test premium pdf

OAT Exam

User: Pavla*****

The captain of a ship steers it, just as a pilot steers a plane. Similarly, killexams.com played the role of a captain or pilot for me, directing me towards success in my oat exam. Their guidance and instructions led me on the right path, and I will remain grateful to this online study center for my moment of glory.
User: Jim*****

The killexams.com oat material proved to be a great help for me in preparing for and passing my exam. It provided me with the necessary guidance and understanding to face any syllabu or situation that came my way. I was panic initially, but going back to the oat Dumps made me feel confident that I understood the material. After using the killexams.com material, the oat test seemed very easy, and I got an awesome result. I am now ready to pursue the next level of Admission-Tests certifications.
User: Hannah*****

After trying several books, I was confused about finding the right material for test OPTOMETRY ADMISSION TEST. I was looking for a guideline with easy language and well-organized questions and answers, and Killexams.com Dumps satisfied my needs. The complicated Topics were defined in the best way, and I scored 89%, which exceeded my expectations.
User: Kate*****

The customer support team at killexams.com was always available to help me tackle any issues or concerns that I had during my test preparation. Their advice and clarifications were very helpful. With the help of their oat practice questions course and test Simulator, I was able to achieve my targets and pass the exam. Thank you, killexams.com!
User: Mateo*****

Killexams.com addressed all my concerns and issues regarding the oat exam. Although long Dumps were a challenge, the guide was concise and helpful. I passed the test with a 79% score, and their material helped me study without any stress or anxiety. I particularly found their syllabu on Motivation and Positive Reinforcement of Learners difficult, but their help made it easy for me to understand.

OAT Exam

Question: How many times I can download OAT dumps from my account?
Answer: There is no limit. You can download your OAT test files an unlimited number of times. During the account validity period, you will be able to download your VCE test without any further payment and there is no download limit. If there will be any update done in the test you have, it will be copied in your MyAccount download section and you will be informed by email.
Question: I have other questions before I register, who will answer me?
Answer: First, you should visit the FAQ section at https://killexams.com/faq to see if your questions have been answered or not. If you do not find an answer to your question, you can contact support via email or live chat for assistance.
Question: Do you recommend me to use this great source updated OAT brain dumps?
Answer: It is the best source of up-to-date test prep so, Killexams highly recommend these OAT questions to memorize before you go for the genuine test because this OAT question bank contains an up-to-date and 100% valid OAT question bank with a new syllabus.
Question: I need an test that is not at killexams store, what should I do?
Answer: Killexams provide more than 5500 exams on its online store with a very high success rate. If you need an test that is not provided at the killexams store, you can place an test request at killexams.com at https://killexams.com/exam-request and their team will contact authentic resources to get exact questions and answers. You will be informed by email as soon as that test is provided at the killexams store.
Question: How much OAT test fee?
Answer: You can see all the OAT test price-related information from the website. Usually, discount coupons do not stand for long, but there are several discount coupons available on the website. Killexams provide the cheapest hence up-to-date OAT question bank that will greatly help you pass the exam. You can see the cost at https://killexams.com/exam-price-comparison/OAT You can also use a discount coupon to further reduce the cost. Visit the website for the latest discount coupons.
Admission-Tests+Test+premium+pdf
https://www.pass4surez.com/art/read.php?keyword=Admission-Tests+Test+premium+pdf&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 ACTUAL EXAM QUESTIONS 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 test VCE simulator. Visit their example questions and test brain dumps, their test simulator and you will realize that killexams.com is the best ACTUAL EXAM QUESTIONS site.

Which is the best practice questions website?
Certainly, Killexams is fully legit along with fully dependable. There are several capabilities that makes killexams.com realistic and legitimate. It provides informed and fully valid test questions that contains real exams questions and answers. Price is small as compared to almost all the services on internet. The Dumps are up-to-date on typical basis by using most recent questions. Killexams account set up and device delivery is incredibly fast. Document downloading is usually unlimited and also fast. Service is avaiable via Livechat and Netmail. These are the features that makes killexams.com a robust website which provide test prep with real exams questions.



Is killexams.com test material dependable?
There are several Dumps 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 download sites or reseller sites. Thats why killexams.com update test Dumps 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 question bank 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 Topics of new syllabus, They recommend to download 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 Dumps will be provided in your download Account. You can download 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 Exam Center and Enjoy your Success.




920-327 practice test | PMH-BC trial test | SCNS-EN online test | CDMP mock test | CTP test trial | MO-100 questions download | ACE-CHC test Questions | UIPATH-ARDV1 practice questions | HPE0-S55 free prep | NCEES-PE-Civil-Structural VCE test | ISO20KF model question | ADA-DAT practice questions | C1000-151 mock test | 6210 study guide | SD0-401 PDF download | SCA_SLES15 question test | AZ-304 study material | OGB-001 pdf study guide | CQA practice questions | NAWCO-OMS download |


OAT - Optometry Admission Test exam
OAT - Optometry Admission Test test syllabus
OAT - Optometry Admission Test PDF Questions
OAT - Optometry Admission Test test cram
OAT - Optometry Admission Test course outline
OAT - Optometry Admission Test information hunger
OAT - Optometry Admission Test PDF Download
OAT - Optometry Admission Test test Cram
OAT - Optometry Admission Test real questions
OAT - Optometry Admission Test guide
OAT - Optometry Admission Test practice tests
OAT - Optometry Admission Test test help
OAT - Optometry Admission Test test questions
OAT - Optometry Admission Test book
OAT - Optometry Admission Test course outline
OAT - Optometry Admission Test test Questions
OAT - Optometry Admission Test test Cram
OAT - Optometry Admission Test PDF Questions
OAT - Optometry Admission Test testprep
OAT - Optometry Admission Test test
OAT - Optometry Admission Test Practice Test
OAT - Optometry Admission Test certification
OAT - Optometry Admission Test exam
OAT - Optometry Admission Test learning
OAT - Optometry Admission Test PDF download
OAT - Optometry Admission Test test Questions
OAT - Optometry Admission Test Real test Questions
OAT - Optometry Admission Test Real test Questions
OAT - Optometry Admission Test testprep
OAT - Optometry Admission Test teaching
OAT - Optometry Admission Test test success
OAT - Optometry Admission Test PDF Questions
OAT - Optometry Admission Test questions
OAT - Optometry Admission Test learning
OAT - Optometry Admission Test PDF Download
OAT - Optometry Admission Test tricks
OAT - Optometry Admission Test Question Bank
OAT - Optometry Admission Test information search
OAT - Optometry Admission Test real questions
OAT - Optometry Admission Test Practice Test
OAT - Optometry Admission Test Practice Test
OAT - Optometry Admission Test Questions and Answers
OAT - Optometry Admission Test study tips
OAT - Optometry Admission Test Practice Test

Other Admission-Tests Practice Tests


SSAT free pdf download | Praxis-Core test cram | SAT test tips | LSAT-reading-comprehension free pdf | GMAT-Verbal Practice Test | GRE-Verbal Free test PDF | WorkKeys PDF Download | GRE test prep | LSAT-Logical-Reasoning test prep | OAT trial test questions | HESI-A2 mock exam | CBEST past exams | TOEFL Study Guide | MCAT test prep | GRE-Quantitative cram book | ASSET questions and answers | MAT test prep | LSAT test test | GMAT test practice |


Best practice questions You Ever Experienced


H13-611 Test Prep | C1000-056 practice questions | ATA02 test papers | ACCP test tips | Podiatry-License-Exam-Part-III pdf exam | S90.08A test questions | CHPPN free pdf | 46150T past exams | CJE free pdf | 2V0-41.20 free pdf download | 920-338 Real test Questions | NCBORN-CRNO test example | PMI-SP pdf questions | PMP-2024 boot camp | SPLK-1003 study guide | H31-211 test Questions | CCDAK test prep | ADX-271 test Questions | 7003 study guide | F50-532 writing test questions |





References :


https://www.instapaper.com/read/1314251589
https://killexams-posting.dropmark.com/817438/23571115
https://killexams-posting.dropmark.com/817438/23644653
http://killexams-braindumps.blogspot.com/2020/06/kill-test-with-oat-braindumps-at-first.html
https://www.blogger.com/comment.g?blogID=9877556&postID=113869334553582836&page=1&token=1595126759229
https://www.coursehero.com/file/65477557/OATpdf/
https://youtu.be/jeR7LLf9rO0
http://killexams1.isblog.net/oat-optometry-admission-test-2021-updated-dumps-by-killexams-com-14557873
http://killexamstestprep.blogdigy.com/oat-optometry-admission-test-practice-test-by-killexams-com-11414595
https://sites.google.com/view/killexams-oat-exam-braindumps
http://feeds.feedburner.com/JustStudyTheseDva-c01QuestionsAndStudyGuide
https://killexams-oat.jimdofree.com/
https://files.fm/f/ceceb8tnf



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






Direct Download

OAT 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.

OAT Reviews

100% Valid and Up to Date OAT 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