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 OMG-OCUP2-INT200?
Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der OMG-OCUP2-INT200: OMG Certified UML Professional 2 (OCUP 2) Prüfung.
2024 Updated Actual OMG-OCUP2-INT200 questions as experienced in Test Center
Aktuelle OMG-OCUP2-INT200 Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz
OMG OMG-OCUP2-INT200 : OMG Certified UML Professional 2 (OCUP 2) Practice TestsPractice Tests Organized by Lee |
Latest 2024 Updated OMG OMG Certified UML Professional 2 (OCUP 2) Syllabus
OMG-OCUP2-INT200 dumps collection with Premium PDF and Test Engine
Practice Tests and Free VCE Software - Questions Updated on Daily Basis
Big Discount / Cheapest price & 100% Pass Guarantee
OMG-OCUP2-INT200 dumps collection : Download 100% Free OMG-OCUP2-INT200 practice exams (PDF and VCE)
Exam Number : OMG-OCUP2-INT200
Exam Name : OMG Certified UML Professional 2 (OCUP 2)
Vendor Name : OMG
Update : Click Here to Check Latest Update
Question Bank : Check Questions
Individuals practice these OMG-OCUP2-INT200 Pass Guides to get 100 percent marks
Practice with their real OMG-OCUP2-INT200 questions and Improve your knowledge to achieve Excellent Marks in the test center. They cover all the subjects of the test and certain your success with the right questions.
Killexams.com is the ultimate source for the latest, valid, and 2024 up-to-date OMG OMG-OCUP2-INT200 Test Prep, which are the best resources to pass the OMG Certified UML Professional 2 (OCUP 2) exam. Their expertise is unrivaled, and they take pride in helping individuals pass the OMG-OCUP2-INT200 exam on their first attempt. Their Practice Questions performance has remained at the top for the past four years, and their customers rely on their OMG-OCUP2-INT200 Test Prep and VCE for their real OMG-OCUP2-INT200 exam. killexams.com is the best provider of genuine OMG-OCUP2-INT200 exam questions, and they continuously update their OMG-OCUP2-INT200 Test Prep to keep them legitimate and up-to-date.
If you urgently need to pass the OMG OMG-OCUP2-INT200 exam to secure a job or advance in your current position, register at killexams.com. Many professionals collect genuine OMG-OCUP2-INT200 exam questions from killexams.com. You will receive OMG Certified UML Professional 2 (OCUP 2) exam questions to ensure that you pass the OMG-OCUP2-INT200 exam. You can get the latest OMG-OCUP2-INT200 exam questions every time you log in to your account. While some organizations offer OMG-OCUP2-INT200 Exam Questions, only the latest and valid 2024 OMG-OCUP2-INT200 Exam Questions is the key to success. Think twice before relying entirely on free dumps available online, as they may cause you to fail the exam. It is better to pay a small fee for killexams OMG-OCUP2-INT200 actual questions than to waste a significant amount on examination fees.
You can copy the OMG-OCUP2-INT200 Exam Questions PDF to any device to read and memorize the real OMG-OCUP2-INT200 questions while on vacation or traveling. This will save you a lot of time and provide you with more time to study OMG-OCUP2-INT200 questions. Practice OMG-OCUP2-INT200 Test Prep with the VCE exam simulator repeatedly until you achieve 100% marks. When you feel confident, go directly to the Exam Center for the real OMG-OCUP2-INT200 exam.
OMG-OCUP2-INT200 exam Format | OMG-OCUP2-INT200 Course Contents | OMG-OCUP2-INT200 Course Outline | OMG-OCUP2-INT200 exam Syllabus | OMG-OCUP2-INT200 exam Objectives
Exam Details for OMG-OCUP2-INT200 OMG Certified UML Professional 2 (OCUP 2):
Number of Questions: The exam typically consists of multiple-choice questions, with a total of around 90 questions.
Time Limit: The total time allocated for the exam is usually 150 minutes.
Passing Score: The passing score for the exam varies, but it is generally set around 70% or higher.
Exam Format: The exam is usually conducted in a proctored environment, either in-person or online.
Course Outline:
The OMG Certified UML Professional 2 (OCUP 2) course covers the following key areas:
1. UML Fundamentals:
- Introduction to UML and its purpose
- UML diagrams and their types
- UML notation and syntax
- Basic modeling concepts and relationships
2. UML Diagrams and Modeling Elements:
- Use Case Diagrams
- Class Diagrams
- Object Diagrams
- Interaction Diagrams (Sequence Diagrams and Communication Diagrams)
- State Machine Diagrams
- Activity Diagrams
- Component Diagrams
- Deployment Diagrams
3. UML Modeling Techniques and Best Practices:
- Requirements gathering and analysis using UML
- Modeling software systems and architectures
- Design patterns and their representation in UML
- System integration and interoperability using UML
4. UML and Software Development Life Cycle (SDLC):
- UML in the context of the SDLC
- UML for requirements engineering
- UML for system design and architecture
- UML for software testing and quality assurance
Exam Objectives:
The objectives of the OMG-OCUP2-INT200 exam are to assess the candidate's understanding of the following:
1. UML concepts, notation, and diagram types.
2. Ability to read, interpret, and create UML models and diagrams.
3. Proficiency in applying UML modeling techniques and best practices.
4. Knowledge of UML's role in the software development life cycle.
5. Familiarity with UML-based software analysis, design, and testing.
Exam Syllabus:
The exam syllabus for OMG-OCUP2-INT200 includes the following topics:
1. Introduction to UML
2. Use Case Diagrams
3. Class Diagrams
4. Object Diagrams
5. Interaction Diagrams (Sequence Diagrams and Communication Diagrams)
6. State Machine Diagrams
7. Activity Diagrams
8. Component Diagrams
9. Deployment Diagrams
10. UML Modeling Techniques and Best Practices
11. UML and Software Development Life Cycle (SDLC)
Killexams Review | Reputation | Testimonials | Feedback
Real OMG-OCUP2-INT200 exam questions to pass on the first attempt.
I am proud to say that I have obtained certification in OMG-OCUP2-INT200 with the help of killexams.com. The best feature of their study material was the new modules, which allowed me to attempt all 38 questions within the given time frame and score more than 87 marks. Without killexams.com Questions and Answers, I would not have been able to achieve this feat on my own. Their up-to-date module of questions covered all the associated syllabus and provided me with the necessary guidance to succeed.
Do not waste time looking; just get these OMG-OCUP2-INT200 questions from real study sources.
My success in the OMG-OCUP2-INT200 exam was largely due to killexams.com's user-friendly exam simulator and authentic questions and answers. I am grateful for their assistance, which made my preparation process more manageable and enabled me to achieve my desired results. The coaching provided by killexams.com helped me get a better understanding of the exam topics, and I highly recommend them to other aspiring IT professionals.
Where can I find free OMG-OCUP2-INT200 exam questions?
The Dumps provided by killexams.com helped me achieve a score of 86% on the OMG-OCUP2-INT200 exam. I was pleased to see that around 90% of the questions were similar to the material provided by killexams.com. I had difficulty with the complex themes, but the material provided repaired my troubles.
Real exam OMG-OCUP2-INT200 questions.
Investing in killexams.com's OMG-OCUP2-INT200 dump was definitely worth the money. Although I'm not usually one to buy study materials, the high cost and stress of the exam made me realize I needed a safety net. This package was perfect, with valid questions and accurate answers. I even double-checked with friends, and they confirmed that the answers were correct. Thanks to killexams.com, I passed the exam with ease, and I recommend this service to everyone.
I'm happy to hear that the latest practice exams for the OMG-OCUP2-INT200 exam are available here.
I have been using killexams.com for all my tests, and last week, I passed the OMG-OCUP2-INT200 exam with an exquisite mark using their mock exam test resources. I had some doubts about some subjects, but the material cleared all my doubts. Thanks for imparting me the sturdy and dependable dump. It is a great product.
OMG OMG Free exam PDF
OMG-OCUP2-INT200 Exam
User: Barbara***** I have been living with my roommate for a long time, and they often have disagreements and arguments on several topics. However, they both agree that killexams.com is an excellent website to use if you want to pass your omg-ocup2-int200 exam. Both of us have used it and have been very happy with the results. Thanks to the guidance, I did well in my omg-ocup2-int200 exam, and my marks were certainly brilliant. |
User: Pavlo***** I am very happy to have found Killexams.com online, and even more so that I purchased the OMG-OCUP2-INT200 package deal a few days before my exam. It gave me the high-quality education I needed since I did not have much time to spare. The OMG-OCUP2-INT200 practice questions engine is truly effective, and the whole thing targets the areas and questions they test during the OMG-OCUP2-INT200 exam. It may seem remarkable to pay for a practice questions nowadays when you can find almost anything for free online, but trust me, this one is worth every penny! I am very happy - both with the study method and the result. I passed OMG-OCUP2-INT200 with a strong score. |
User: Logan***** When I joined Killexams.com, it felt like embarking on the greatest adventure of my life. I was extremely excited because I knew that I would be able to pass my omg-ocup2-int200 exam and become the first in my organization to obtain this qualification. I was proven right when I used the online resources provided by Killexams.com and passed my omg-ocup2-int200 exam, making everyone proud. It was an exhilarating feeling, and I highly recommend Killexams.com to any other student who wants to feel the same. |
User: Timofey***** Killexams.com provides a straightforward and robust dumps collection that helps you pass the exam effortlessly. I passed the omg-ocup2-int200 exam on the first attempt, and I believe Killexams.com is the best among other question banks in the market. I am very confident and plan to use it for my future exams as well. Thank you, Killexamsz, for your excellent service. |
User: Naum***** I have been recommending Killexams.com to everyone who wants to prepare for the omg-ocup2-int200 exam. The exam material on this website is robust, and I have not found anything that comes close to it. I am grateful for this excellent resource, and I highly recommend it to anyone looking to take the omg-ocup2-int200 exam. Thank you, Killexams.com, and keep up the good work! |
OMG-OCUP2-INT200 Exam
Question: Do you recommend me to use this extraordinary source of dumps? Answer: Killexams greatly recommend this OMG-OCUP2-INT200 practice questions to memorize before you go for the genuine exam because this OMG-OCUP2-INT200 dumps collection contains an up-to-date and 100% valid OMG-OCUP2-INT200 dumps collection with a new syllabus. |
Question: I want to pass OMG-OCUP2-INT200 exam fast, What should I do? Answer: Yes, Of course, you can pass your exam within the shortest possible time. If you are free and you have more time to study, you can prepare for an exam even in 24 hours. But they recommend taking your time to study and practice OMG-OCUP2-INT200 practice questions until you are sure that you can answer all the questions that will be asked in the genuine OMG-OCUP2-INT200 exam. Visit killexams.com and register to get the complete dumps collection of OMG-OCUP2-INT200 exam test prep. These OMG-OCUP2-INT200 exam questions are taken from genuine exam sources, that's why these OMG-OCUP2-INT200 exam 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 OMG-OCUP2-INT200 questions are sufficient to pass the exam. |
Question: Are explanation with Answers Included? Answer: Killexams certification team try to include explanations for as many exams they can but maintaining explanation for more than 5500 exams is a big job. The exam update frequency also matters while including explanations. They try their best to include explanations but they focus on updating the contents which are important for candidates to pass the exam. |
Question: How can I check if there is any update of OMG-OCUP2-INT200 dumps? Answer: Killexams team will inform you by email when the OMG-OCUP2-INT200 exam in your get section will be updated. If there is no change in the OMG-OCUP2-INT200 questions and answers, you do not need to get again and again the same document. |
Question: What number of days required for OMG-OCUP2-INT200 training? Answer: It is up to you. If you are free and you have more time to study, you can prepare for an exam even in 24 hours. But they recommend taking your time to study and practice OMG-OCUP2-INT200 practice questions until you are sure that you can answer all the questions that will be asked in the genuine OMG-OCUP2-INT200 exam. |
https://www.pass4surez.com/art/read.php?keyword=OMG+OMG+Free+Exam+PDF&lang=us&links=remove
Whilst it is very hard task to choose reliable exam mock exam resources regarding review, reputation and validity because people get ripoff due to choosing incorrect service. Killexams make it sure to provide its clients far better to their resources with respect to study guide update and validity. Most of other peoples ripoff report complaint clients come to us for the brain dumps and pass their exams enjoyably and easily. They never compromise on their review, reputation and quality because killexams review, killexams reputation and killexams client self confidence is important to all of us. Specially they manage killexams.com review, killexams.com reputation, killexams.com ripoff report complaint, killexams.com trust, killexams.com validity, killexams.com report and killexams scam. If perhaps you see any bogus report posted by their competitor with the name killexams ripoff report complaint internet, killexams.com ripoff report, killexams.com 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 a large number of satisfied customers that pass their exams using killexams.com brain dumps, killexams PDF questions, killexams practice questions, killexams exam simulator. Visit their test 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 practice exams website?
Yes, Killexams is hundred percent legit along with fully trustworthy. There are several options that makes killexams.com realistic and straight. It provides up to par and hundred percent valid exam questions including real exams questions and answers. Price is small as compared to almost all of the services on internet. The mock exam are current on frequent basis by using most accurate questions. Killexams account setup and product or service delivery is rather fast. Report downloading is certainly unlimited and incredibly fast. Assistance is avaiable via Livechat and Netmail. These are the features that makes killexams.com a robust website which provide exam prep with real exams questions.
Is killexams.com test material dependable?
There are several mock exam provider in the market claiming that they provide genuine 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 mock exam with the same frequency as they are updated in Real Test. exam questions provided by killexams.com are Reliable, Up-to-date and validated by Certified Professionals. They maintain dumps collection of valid Questions that is kept up-to-date by checking update on daily basis.
If you want to Pass your exam Fast with improvement in your knowledge about latest course contents and syllabus of new syllabus, They recommend to get PDF exam 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 mock exam will be provided in your get Account. You can get Premium practice questions files as many times as you want, There is no limit.
Killexams.com has provided VCE practice questions 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 genuine Test. Go register for Test in Exam Center and Enjoy your Success.
ACE001 mock test | IAPP-CIPM exam prep | 4A0-M02 exam Questions | ACD100 free prep | DES-6322 practice questions | TDA-C01 test practice | 2B0-104 free pdf | Industries-CPQ-Developer study guide | SAFe-DevOps free exam papers | MB-310 mock exam | MSNCB-CCTM free study guide | ISEB-SWTINT1 exam Questions | DEE-1111 PDF get | AOCNP sample questions | CPIM-MPR cram book | CPCE questions answers | MS-600 Study help | ACA-CCN mock questions | SDM-2002001030 practical test | JN0-664 Study Guide |
OMG-OCUP2-INT200 - OMG Certified UML Professional 2 (OCUP 2) Free PDF
OMG-OCUP2-INT200 - OMG Certified UML Professional 2 (OCUP 2) exam format
OMG-OCUP2-INT200 - OMG Certified UML Professional 2 (OCUP 2) exam help
OMG-OCUP2-INT200 - OMG Certified UML Professional 2 (OCUP 2) PDF Download
OMG-OCUP2-INT200 - OMG Certified UML Professional 2 (OCUP 2) exam contents
OMG-OCUP2-INT200 - OMG Certified UML Professional 2 (OCUP 2) exam success
OMG-OCUP2-INT200 - OMG Certified UML Professional 2 (OCUP 2) Practice Questions
OMG-OCUP2-INT200 - OMG Certified UML Professional 2 (OCUP 2) Real exam Questions
OMG-OCUP2-INT200 - OMG Certified UML Professional 2 (OCUP 2) exam format
OMG-OCUP2-INT200 - OMG Certified UML Professional 2 (OCUP 2) education
OMG-OCUP2-INT200 - OMG Certified UML Professional 2 (OCUP 2) exam Cram
OMG-OCUP2-INT200 - OMG Certified UML Professional 2 (OCUP 2) testing
OMG-OCUP2-INT200 - OMG Certified UML Professional 2 (OCUP 2) exam
OMG-OCUP2-INT200 - OMG Certified UML Professional 2 (OCUP 2) cheat sheet
OMG-OCUP2-INT200 - OMG Certified UML Professional 2 (OCUP 2) exam Questions
OMG-OCUP2-INT200 - OMG Certified UML Professional 2 (OCUP 2) boot camp
OMG-OCUP2-INT200 - OMG Certified UML Professional 2 (OCUP 2) boot camp
OMG-OCUP2-INT200 - OMG Certified UML Professional 2 (OCUP 2) learn
OMG-OCUP2-INT200 - OMG Certified UML Professional 2 (OCUP 2) Latest Questions
OMG-OCUP2-INT200 - OMG Certified UML Professional 2 (OCUP 2) techniques
OMG-OCUP2-INT200 - OMG Certified UML Professional 2 (OCUP 2) information hunger
OMG-OCUP2-INT200 - OMG Certified UML Professional 2 (OCUP 2) test prep
OMG-OCUP2-INT200 - OMG Certified UML Professional 2 (OCUP 2) Questions and Answers
OMG-OCUP2-INT200 - OMG Certified UML Professional 2 (OCUP 2) syllabus
OMG-OCUP2-INT200 - OMG Certified UML Professional 2 (OCUP 2) exam format
OMG-OCUP2-INT200 - OMG Certified UML Professional 2 (OCUP 2) testprep
OMG-OCUP2-INT200 - OMG Certified UML Professional 2 (OCUP 2) testprep
OMG-OCUP2-INT200 - OMG Certified UML Professional 2 (OCUP 2) information source
OMG-OCUP2-INT200 - OMG Certified UML Professional 2 (OCUP 2) exam syllabus
OMG-OCUP2-INT200 - OMG Certified UML Professional 2 (OCUP 2) practice tests
OMG-OCUP2-INT200 - OMG Certified UML Professional 2 (OCUP 2) syllabus
OMG-OCUP2-INT200 - OMG Certified UML Professional 2 (OCUP 2) exam Cram
OMG-OCUP2-INT200 - OMG Certified UML Professional 2 (OCUP 2) guide
OMG-OCUP2-INT200 - OMG Certified UML Professional 2 (OCUP 2) study help
OMG-OCUP2-INT200 - OMG Certified UML Professional 2 (OCUP 2) techniques
OMG-OCUP2-INT200 - OMG Certified UML Professional 2 (OCUP 2) PDF download
OMG-OCUP2-INT200 - OMG Certified UML Professional 2 (OCUP 2) Free exam PDF
OMG-OCUP2-INT200 - OMG Certified UML Professional 2 (OCUP 2) Latest Questions
OMG-OCUP2-INT200 - OMG Certified UML Professional 2 (OCUP 2) Free PDF
OMG-OCUP2-INT200 - OMG Certified UML Professional 2 (OCUP 2) study tips
OMG-OCUP2-INT200 - OMG Certified UML Professional 2 (OCUP 2) Test Prep
OMG-OCUP2-INT200 - OMG Certified UML Professional 2 (OCUP 2) exam format
OMG-OCUP2-INT200 - OMG Certified UML Professional 2 (OCUP 2) test prep
OMG-OCUP2-INT200 - OMG Certified UML Professional 2 (OCUP 2) study help
Other OMG Practice Tests
OMG-OCRES-A300 questions and answers | OMG-OCUP2-INT200 free exam practice | OMG-OCUP-300 practice exam |
Best practice exams You Ever Experienced
C1000-110 study guide | CWAP-403 exam results | Agile-Foundation prep questions | FML-5.3.8 examcollection | PCCSE study material | 3314 test questions | H19-301 practice test | 300-100 exam prep | H13-629 free online test | ECP-206 Questions and Answers | ANVE exam cram | CIA-I exam prep | CAT-340 study guide | HPE0-S57 questions and answers | NCLEX-RN test prep | CTAL-TTA-001 question test | SD0-401 practice exam | AZ-800 test prep questions | DES-9131 free practice tests | ECDL-ADVANCED cram book |
References :
Similar Websites :
Pass4sure Certification exam Practice Tests
Pass4Sure Certification Question Bank
OMG-OCUP2-INT200 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 OMG-OCUP2-INT200 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