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 OG0-093?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der OG0-093: OG0-093 TOGAF 9 Combined Part 1 and Part 2 Prüfung.

2023 Updated Actual OG0-093 questions as experienced in Test Center

Laden Sie OG0-093 Übungstest und aktuelle Fragen herunter - easy finanz | easyfinanz

OG0-093 TOGAF 9 Combined Part 1 and Part 2 practice questions with Latest OG0-093 practice exams | https://www.easyfinanz.cc/

The-Open-Group OG0-093 : OG0-093 TOGAF 9 Combined Part 1 and test Dumps

Exam Dumps Organized by Martin Hoax



Latest 2022 Updated Syllabus
OG0-093 test Dumps | Latest Braindumps with genuine Questions

Real Questions from Latest courses of OG0-093 - Updated Daily - 100% Pass Guarantee



OG0-093 demo Questions : Download 100% Free OG0-093 test Dumps (PDF and VCE)

Exam Number : OG0-093
Exam Name : OG0-093 TOGAF 9 Combined Part 1 and Part 2
Vendor Name : The-Open-Group
Update : Click Here to Check Latest Update
Question Bank : Check Questions

Download OG0-093 Exam Cram cost-free enjoy your own success
Never obtain and also squander your current precious power on free of charge OG0-093 Exam Questions that are provided on the web. Those are old-fashioned and outdated stuff. Go to killexams.com to obtain 100 percent free of charge Study Guide before you register for a complete duplicate regarding OG0-093 question bank made up of genuine test OG0-093 Latest Topics and VCE practice test. Peruse and also Pass. Absolutely no exercise within futility and also cash.

Several times, moving the test does not a huge concern at all, however understanding the things is needed. This is actually the usual problem in OG0-093 examination. This site offers real test questions as well as answers to be able to OG0-093 test that will assist you to have a very good report in the special exam, even so the problem is not merely transferring typically the OG0-093 test several period. They offer VCE examination sim in order to make your information about OG0-093 subjects to ensure you are able to be familiar with particular key concepts connected with OG0-093 aims. This is actually critical. It is not actually from all of easy. Their staff members have ready OG0-093 worries bank that could actually produce person very good understanding connected with topics, combined with surety through the particular test at the very first test. Never under estimate the effectiveness of their OG0-093 VCE test simulator. It helps you great deal know as well as memorize OG0-093 concerns having its cheat sheetPDF as well as VCE.

Top features of Killexams OG0-093 Free test PDF
-> Immediate OG0-093 Free test PDF obtain Accessibility
-> Comprehensive OG0-093 Questions as well as Answers
-> 98% Success Level of OG0-093 test
-> Assured genuine OG0-093 test questions
-> OG0-093 Concerns Updated with Regular schedule.
-> Valid as well as 2022 Kept up to date OG0-093 Test Dumps
-> 100 % Portable OG0-093 test Documents
-> Full included OG0-093 VCE test Sim
-> No Limitation on OG0-093 test Get Access
-> Good Discount Coupons
-> 100 % Secured Get Account
-> 100 % Confidentiality Ascertained
-> 100% Good results ensure
-> 100 % Free Study Guide demo Questions
-> No Invisible Cost
-> Not any Monthly Fees
-> No Auto Account Rebirth
-> OG0-093 Test Update Appel by E-mail
-> Free Tech support team

Lower price Coupon with Full OG0-093 Free test PDF Study Guide;
WC2020: 60% Toned Discount to each of your test
PROF17: 10% More Discount with Value More than $69
DEAL17: 15% More Discount with Value More than $99







OG0-093 test Format | OG0-093 Course Contents | OG0-093 Course Outline | OG0-093 test Syllabus | OG0-093 test Objectives


Exam Summary
This is a combined TOGAF 9 Part 1 and Part 2 examination for candidates who want to achieve Level 2 certification directly.

Exam Name: TOGAF® 9 Combined Part 1 and Part 2
Exam Number:
OG0-093 - English
OG0-098 - Simplified Chinese
Qualification upon passing: TOGAF 9 Certified
Delivered at: Authorized test Provider Test Centers
Prerequisites: None
Supervised: Yes
Open Book: Dependent on section. This examination comprises two separate sections. The TOGAF 9 Part 1 section is CLOSED Book. The TOGAF 9 Part 2 section is OPEN book. An electronic copy of the specification is built into the test and becomes available in Part 2 only.
Exam type: The test comprises two sections. Section 1: 40 Simple Multiple Choice questions + Section 2: 8 Scenario Based, Complex Multiple Choice
Number of questions: 48
Pass score: The pass mark for Part 1 is 55%, which means 22 or more points out of maximum of 40 points. For Part 2, the pass mark is 60%, which means 24 or more points out of a maximum of 40 points. Note that you must pass both parts of the test to achieve an overall pass result. If you fail either part you fail the examination, however you only need retake the examination(s) corresponding to the failed section(s).
Time limit: 150 Minutes total. Each section has a maximum time limit as follows: 60 Minutes on TOGAF 9 Part 1. 90 Minutes on TOGAF 9 Part 2. Once you complete the TOGAF 9 Part 1 section you cannot return to it. There is no break between sections; Part 1 directly follows Part 2.

- The basic concepts of Enterprise Architecture and the TOGAF standard
- The core concepts of the TOGAF 9 standard
- The key terminology of the TOGAF 9 standard
- The ADM cycle and the objectives of each phase, and how to adapt and scope the ADM
- The concept of the Enterprise Continuum; its purpose and constituent parts
- How each of the ADM phases contributes to the success of Enterprise Architecture
- The ADM guidelines and techniques
- How Architecture Governance contributes to the Architecture Development Cycle
- The concepts of views and viewpoints and their role in communicating with stakeholders
- The concept of building blocks
- The key deliverables of the ADM cycle
- The TOGAF reference models
- The TOGAF certification program
- How to apply the ADM phases in development of an Enterprise Architecture
- How to apply Architecture Governance in development of an Enterprise Architecture
- How to apply the TOGAF Architecture Content Framework
- How to apply the concept of Building Blocks
- How to apply the Stakeholder Management Technique
- How to apply the TOGAF Content Metamodel
- How to apply the TOGAF standard recommended techniques when developing an Enterprise Architecture
- The TOGAF Technical Reference Model and how to customize it to meet an organizations needs
- The Integrated Information Infrastructure Reference Model
- The content of the key deliverables of the ADM cycle
- How an Enterprise Architecture can be partitioned to meet the specific needs of an organization
- The purpose of the Architecture Repository
- How to apply iteration and different levels of architecture with the ADM
- How to adapt the ADM for security
- The role of architecture maturity models in developing an Enterprise Architecture
- The purpose of the Architecture Skills Framework and how to apply it within an organization



Killexams Review | Reputation | Testimonials | Feedback


You just want a weekend for OG0-093 test prep with the ones dumps.
I am not that capable that I obtained 89% marks in OG0-093 exam. This is just because I registered for killexams OG0-093 braindumps and practice exams and memorized all the questions through the test simulator. This proved to be the best move I did. I appreciate the killexams.com team.


I feel very assured with OG0-093 test bank.
I passed OG0-093 certification with 91% marks. Your braindumps are very much like an genuine exam. Thank you for your superb help. I can preserve to use your dumps for my subsequent certifications. When I was hopeless that I can not become IT certified; my friend informed me about you; I attempted your online study guides for my OG0-093 test and was capable of getting a 91 score in the exam. very thanks to killexams.


Am i capable of locate phone number latest OG0-093 certified?
Applicants spend months looking to get themselves prepared for their OG0-093 test however for me it changed into all just a day's work. you will wonder how someone would have the ability to finish this kind of super task in only a day let me inform you, all I had to do turned into sign-in myself on killexams.com and the whole thing changed into precise after that. My OG0-093 test seemed like a very simple challenge due to the fact I was so nicely prepared for it. I thank this website for lending me an assisting hand.


Did you attempted this fantastic material with OG0-093 latest dumps.
I have earned better scores in OG0-093 certification with the help of highly affordable products. I got OG0-093 test engine to get rid of difficult concepts of this certification. I had bought OG0-093 test braindump to have bright grades in the certification. It was a good decision because these products are designed according to my liking. It helped me to get read in fifteen days and after this short time, I had scored well with the help of these sensible products, therefore, I am writing to say thanks to all of you for your great services.


Is there any way to pass OG0-093 test earlier than the everything strive?
A few great news is that I passed the OG0-093 test yesterday... I thank the entire killexams.com team. I truly respect the wonderful job which you All do. Your test training material is remarkable. Maintain doing the right artwork. I am capable of honestly using your product for my next exam. Regards,


The-Open-Group Part test Questions



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 test dumps 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.

Is Killexams.com Legit?
Yes, Killexams is 100 percent legit and even fully reputable. There are several includes that makes killexams.com genuine and reliable. It provides accurate and 100 percent valid test dumps comprising real exams questions and answers. Price is surprisingly low as compared to the vast majority of services on internet. The Dumps are modified on usual basis through most accurate brain dumps. Killexams account arrangement and merchandise delivery is amazingly fast. Computer file downloading is certainly unlimited as well as fast. Help is avaiable via Livechat and Contact. These are the characteristics that makes killexams.com a strong website that provide test dumps with real exams questions.



Which is the best braindumps site of 2022?
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 2022 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 Dumps with the same frequency as they are updated in Real Test. test dumps 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 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 Dumps will be provided in your obtain Account. You can obtain Premium test Dumps files as many times as you want, There is no limit.

Killexams.com has provided VCE practice 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.




DOP-C01 test papers | SC-100 cram | PL-400 test questions | 300-735 practice test | VTNE mock questions | NAB-NHA free pdf | 312-50v12 study guide | AZ-204 practice test | 500-490 cheat sheet | NCP-MCI-5.20 questions obtain | H31-341-ENU past exams | AD0-E452 study guide | 300-430 cheat sheet pdf | SPLK-3003 test Questions | Industries-CPQ-Developer braindumps | HPE6-A72 prep questions | Servicenow-CIS-VR free pdf obtain | 5V0-62.19 practice test | LSAT-Logical-Reasoning Practice Questions | ABFM mock test |


OG0-093 - OG0-093 TOGAF 9 Combined Part 1 and Part 2 test Braindumps
OG0-093 - OG0-093 TOGAF 9 Combined Part 1 and Part 2 information source
OG0-093 - OG0-093 TOGAF 9 Combined Part 1 and Part 2 real questions
OG0-093 - OG0-093 TOGAF 9 Combined Part 1 and Part 2 questions
OG0-093 - OG0-093 TOGAF 9 Combined Part 1 and Part 2 techniques
OG0-093 - OG0-093 TOGAF 9 Combined Part 1 and Part 2 answers
OG0-093 - OG0-093 TOGAF 9 Combined Part 1 and Part 2 PDF Dumps
OG0-093 - OG0-093 TOGAF 9 Combined Part 1 and Part 2 Practice Questions
OG0-093 - OG0-093 TOGAF 9 Combined Part 1 and Part 2 Free test PDF
OG0-093 - OG0-093 TOGAF 9 Combined Part 1 and Part 2 Latest Questions
OG0-093 - OG0-093 TOGAF 9 Combined Part 1 and Part 2 PDF Dumps
OG0-093 - OG0-093 TOGAF 9 Combined Part 1 and Part 2 Question Bank
OG0-093 - OG0-093 TOGAF 9 Combined Part 1 and Part 2 PDF Download
OG0-093 - OG0-093 TOGAF 9 Combined Part 1 and Part 2 Study Guide
OG0-093 - OG0-093 TOGAF 9 Combined Part 1 and Part 2 PDF Questions
OG0-093 - OG0-093 TOGAF 9 Combined Part 1 and Part 2 test Questions
OG0-093 - OG0-093 TOGAF 9 Combined Part 1 and Part 2 learning
OG0-093 - OG0-093 TOGAF 9 Combined Part 1 and Part 2 test Questions
OG0-093 - OG0-093 TOGAF 9 Combined Part 1 and Part 2 test success
OG0-093 - OG0-093 TOGAF 9 Combined Part 1 and Part 2 Practice Questions
OG0-093 - OG0-093 TOGAF 9 Combined Part 1 and Part 2 test format
OG0-093 - OG0-093 TOGAF 9 Combined Part 1 and Part 2 testing
OG0-093 - OG0-093 TOGAF 9 Combined Part 1 and Part 2 study help
OG0-093 - OG0-093 TOGAF 9 Combined Part 1 and Part 2 education
OG0-093 - OG0-093 TOGAF 9 Combined Part 1 and Part 2 PDF Download
OG0-093 - OG0-093 TOGAF 9 Combined Part 1 and Part 2 test
OG0-093 - OG0-093 TOGAF 9 Combined Part 1 and Part 2 Dumps
OG0-093 - OG0-093 TOGAF 9 Combined Part 1 and Part 2 boot camp
OG0-093 - OG0-093 TOGAF 9 Combined Part 1 and Part 2 PDF Questions
OG0-093 - OG0-093 TOGAF 9 Combined Part 1 and Part 2 test prep
OG0-093 - OG0-093 TOGAF 9 Combined Part 1 and Part 2 answers
OG0-093 - OG0-093 TOGAF 9 Combined Part 1 and Part 2 boot camp
OG0-093 - OG0-093 TOGAF 9 Combined Part 1 and Part 2 certification
OG0-093 - OG0-093 TOGAF 9 Combined Part 1 and Part 2 test prep
OG0-093 - OG0-093 TOGAF 9 Combined Part 1 and Part 2 study help
OG0-093 - OG0-093 TOGAF 9 Combined Part 1 and Part 2 test
OG0-093 - OG0-093 TOGAF 9 Combined Part 1 and Part 2 Question Bank
OG0-093 - OG0-093 TOGAF 9 Combined Part 1 and Part 2 Cheatsheet
OG0-093 - OG0-093 TOGAF 9 Combined Part 1 and Part 2 test
OG0-093 - OG0-093 TOGAF 9 Combined Part 1 and Part 2 test contents
OG0-093 - OG0-093 TOGAF 9 Combined Part 1 and Part 2 Real test Questions
OG0-093 - OG0-093 TOGAF 9 Combined Part 1 and Part 2 cheat sheet
OG0-093 - OG0-093 TOGAF 9 Combined Part 1 and Part 2 Practice Test
OG0-093 - OG0-093 TOGAF 9 Combined Part 1 and Part 2 outline
OG0-093 - OG0-093 TOGAF 9 Combined Part 1 and Part 2 Study Guide
OG0-093 - OG0-093 TOGAF 9 Combined Part 1 and Part 2 teaching
OG0-093 - OG0-093 TOGAF 9 Combined Part 1 and Part 2 Test Prep
OG0-093 - OG0-093 TOGAF 9 Combined Part 1 and Part 2 Question Bank
OG0-093 - OG0-093 TOGAF 9 Combined Part 1 and Part 2 PDF Download
OG0-093 - OG0-093 TOGAF 9 Combined Part 1 and Part 2 Practice Questions
OG0-093 - OG0-093 TOGAF 9 Combined Part 1 and Part 2 Latest Questions
OG0-093 - OG0-093 TOGAF 9 Combined Part 1 and Part 2 Free PDF
OG0-093 - OG0-093 TOGAF 9 Combined Part 1 and Part 2 test Braindumps


OG0-093 practice questions |


Best Certification test Dumps You Ever Experienced


OG0-021 Test Prep | OG0-091 demo questions | OG0-093 practice test | OG0-081 dump | OG0-061 Practice Questions | OG0-092 cheat sheets | OG0-9AB practice questions | OG0-023 Latest courses | 0G0-081 test questions |





References :


https://killexams-posting.dropmark.com/817438/23555775
http://killexams-braindumps.blogspot.com/2020/06/if-you-have-short-time-og0-093-dumps.html
https://killexams-posting.dropmark.com/817438/23668515
https://www.instapaper.com/read/1318712542
http://ge.tt/9mUuKJ53
https://www.blogger.com/comment.g?blogID=9877556&postID=112977642537626748&page=1&token=1595039098188
https://killexamz.edublogs.org/2020/07/30/og0-093-og0-093-togaf-9-combined-part-1-and-part-2-real-exam-questions-and-answers/
http://feeds.feedburner.com/WhenYouRetainTheseOg0-093QaYouWillGet100Marks
https://www.4shared.com/office/RCmgpQZiea/OG0-093-TOGAF-9-Combined-Part-.html
https://www.coursehero.com/file/67326870/OG0-093-TOGAF-9-Combined-Part-1-and-Part-2-OG0-093pdf/
https://spaces.hightail.com/space/v47qz1ixkg/files/fi-230da0eb-62b4-4127-88bd-474443270339/fv-82d6a62c-22c6-401e-8a3a-6ab4ca80dd4d/OG0-093-TOGAF-9-Combined-Part-1-and-Part-2-(OG0-093).pdf#pageThumbnail-1
https://sites.google.com/view/killexams-og0-093-practice-tes
https://www.4shared.com/video/H1vyBVmyea/OG0-093-TOGAF-9-Combined-Part-.html
https://youtu.be/fOHRmVbsij4
https://justpaste.it/OG0-093
https://www.clipsharelive.com/video/6628/og0-093-og0-093-togaf-9-combined-part-1-and-part-2-practice-test-by-killexams-com
https://ello.co/killexamz/post/_fsipncjk5i__8myjtgz1g
https://files.fm/f/7zshgs2py
http://killexams.decksrusct.com/blog/certification-exam-dumps/og0-093-og0-093-togaf-9-combined-part-1-and-part-2-dumps-with-real-questions-by-killexams-com/



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






Direct Download

OG0-093 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.

OG0-093 Reviews

100% Valid and Up to Date OG0-093 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