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 P2050-005?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der P2050-005: IBM Commerce Solutions Supply Chain Mgmt Technical Mastery Test v1 Prüfung.

2022 Updated Actual P2050-005 questions as experienced in Test Center

Laden Sie P2050-005 Übungstest und aktuelle Fragen herunter | easyfinanz

IBM Commerce Solutions Supply Chain Mgmt Technical Mastery Test v1 braindump questions with Latest P2050-005 practice questions | https://www.easyfinanz.cc/

IBM P2050-005 : IBM Commerce Solutions Supply Chain exam Dumps

Exam Dumps Organized by Richard



Latest 2022 Updated Syllabus
P2050-005 exam dumps | Latest Braindumps with actual Questions

Real Questions from Latest courses of P2050-005 - Updated Daily - 100% Pass Guarantee



P2050-005 trial Questions : Download 100% Free P2050-005 exam dumps (PDF and VCE)

Exam Number : P2050-005
Exam Name : IBM Commerce Solutions Supply Chain Mgmt Technical Mastery Test v1
Vendor Name : IBM
Update : Click Here to Check Latest Update
Question Bank : Check Questions

In no way waste time interested in P2050-005 Exam Cram, Merely download via killexams. com
Assuming you happen to be stressed, How you can breeze from your IBM P2050-005 Exam. With the aid of the made sure killexams.com IBM P2050-005 Cheatsheet concerns and test system, you will sort out a way to utilize your own personal insight. The greater part of the experts starts perceiving when they realize that they need to show up in IT certification. Their Dumps is done as well as direct. The particular IBM P2050-005 Exam dumps make the creativity as well as knowledge significant and help you parts on the way to the agreement test.

This is a major fight to pick excellent PDF Dumps providers from a lot of awful blues suppliers. When your search ends up when using awful PDF Dumps supplier, your accreditation will probably turn into a poor dream. It appears looser whenever you fall level on the qualification test. This is certainly on the grounds that, anyone depended on ill and outmoded suppliers. They live not expressing that each P2050-005 Latest Topics company is a false. There is some terrific P2050-005 genuine test concerns provider containing their own resources to get the many refreshed and legit P2050-005 Latest Topics. killexams.com is only one of them. They are their own class that collects 100 percent reliable, exceptional, along with solid P2050-005 Exam Cram that hard in a genuine test-like charm. You simply need to check out https://killexams.com/pass4sure/test detail/P2050-005 and obtain 100 percent totally free Exam Cram connected with P2050-005 ensure that you survey. Hoping you feel accomplished, register for P2050-005 Exam Cram ELECTRONICO full application form with VCE practice ensure that you become someone from remarkable achievers. Most of us esteem each of their extraordinary customers. You will without doubt send you your studies about P2050-005 test expertise later from the wake connected with breezing via genuine P2050-005 test.

There are many changes along with overhauls have fininshed in P2050-005 in 2022 and they possess remembered almost all refreshes for the Practice Test. 2022 Up to date P2050-005 braindumps certain your own achievement throughout actual testing. They advise you go from the full inquest bank as soon as before you go into the real examination. This is not as, they make use of their P2050-005 Exam Cram, they actually feel improvement of their insight. They are able to work within a genuine crissis in the connection as gurus. They do not merely zero throughout on a finish P2050-005 examination with their braindumps, however definitely further build information about P2050-005 themes along with targets. This can be a way men and women become powerful.

In the event that you are interested in the Latest along with 2022 renewed test blues to wind through IBM P2050-005 examination to find a beneficial line of perform, simply obtain 2022 renewed genuine P2050-005 questions by means of enrolling in killexams.com with remarkable rebate vouchers. There are a few gurus attempting to obtain P2050-005 genuine test questions at killexams.com. You IBM Commerce Solutions Supply Chain Mgmt Technical Mastery Test v1 examination questions this means you finish P2050-005 test. You may actually want to obtain refreshed P2050-005 test concerns each time along with a 100 percent low cost ensure. There are many organizations that supply P2050-005 Latest Topics however significant and most new 2022 innovative P2050-005 Study Guide is a main issue. Reexamine you depend upon Free Deposits given on the net.

Features of Killexams P2050-005 Exam Cram
-> Instant P2050-005 Exam Cram obtain Access
-> Detailed P2050-005 Inquiries and Advice
-> 98% Achievements Rate connected with P2050-005 Assessment
-> Guaranteed True P2050-005 test questions
-> P2050-005 Questions Up to date on Normal basis.
-> Legitimate and 2022 Updated P2050-005 exam Deposits
-> 100% Transportable P2050-005 Assessment Files
-> Entire featured P2050-005 VCE Assessment Simulator
-> Zero Limit upon P2050-005 Assessment download Accessibility
-> Great Saving coupons
-> 100% Tacked down download Consideration
-> 100% Privacy Ensured
-> 100 % Success Warranty
-> 100% Cost-free Study Guide example Questions
-> Zero Hidden Fee
-> No Once a month Charges
-> Zero Automatic Consideration Renewal
-> P2050-005 exam Change Intimation by means of Email
-> Cost-free Technical Support

exam Details at: https://killexams.com/pass4sure/exam-detail/P2050-005
Pricing Particulars at: https://killexams.com/exam-price-comparison/P2050-005
See Finish List: https://killexams.com/vendors-exam-list

Discounted Coupon upon Full P2050-005 Exam Cram Study Guide;
WC2020: 60% Toned Discount to each of your exam
PROF17: 10% Even more Discount upon Value A lot more than $69
DEAL17: 15% Even more Discount upon Value A lot more than $99







P2050-005 exam Format | P2050-005 Course Contents | P2050-005 Course Outline | P2050-005 exam Syllabus | P2050-005 exam Objectives




Killexams Review | Reputation | Testimonials | Feedback


Glad to listen that dumps of P2050-005 exam are available.
Hi, I had been a part of P2050-005. Even though I had read all chapters in-depth, however, your Braindumps provided sufficient practice. I passed this exam with 99 % the day before today, thanks lots for the factor questions and answers. Even my doubts were clarified in minimum time. I need to use your service in destiny correctly. You guys are doing Greatly good activity. Thanks and Regards.


Exactly same questions, Is it possible?
I recognize the struggles made in growing the exam simulator. It is superb. I passed my P2050-005 exam especially with Braindumps provided with the help of the killexams.com crew


P2050-005 actual test questions and answers!
I just required telling you that I even have topped in P2050-005 exam. All the questions about the exam table have been from killexams. It is said to be the real helper for me on the P2050-005 exam bench. All reward of my success is going to this guide. This is the real purpose behind my success. It guided me in the right manner for attempting P2050-005 exam questions. With the help of this exam dumps, I turned proficient to attempt to all of the questions in P2050-005 exam. This study stuff publications a person inside the right way and ensures you 100% accomplishment in exam.


Surprised to see P2050-005 latest dumps!
I would like to unfold the phrase about this one of a type and truly high-quality killexams.com which helped me in acting outstandingly correctly in my P2050-005 exam and exceeding all expectancies. I would say that killexams.com is one of the maximum admirable online coaching ventures I have ever stumble upon and it merits quite a little recognition.


Strive out these real P2050-005 braindumps.
I have never used this type of wonderful Dumps for my gaining knowledge. It assisted nicely with the P2050-005 exam. I already used killexams.com and passed my P2050-005 exam. It is the bendy material to apply. but, I was a below-average candidate, which made me pass the exam too. I used the most effective killexams.com for the studying and by no means used some other material. I can hold on to the use of your product for my destiny exams too. were given 98%.


IBM Supply study help

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

Is Killexams.com Legit?
Sure, Killexams is 100 percent legit along with fully reliable. There are several functions that makes killexams.com real and genuine. It provides updated and 100 percent valid exam dumps filled with real exams questions and answers. Price is surprisingly low as compared to almost all services online. The Braindumps are modified on typical basis using most exact brain dumps. Killexams account setup and merchandise delivery can be quite fast. Data file downloading is actually unlimited and fast. Help support is avaiable via Livechat and Electronic mail. These are the features that makes killexams.com a sturdy website offering exam dumps with real exams questions.



Which is the best braindumps site of 2022?
There are several Braindumps provider in the market claiming that they provide actual exam Questions, Braindumps, Practice Tests, Study Guides, cheat sheet and many other names, but most of them are re-sellers that do not update their contents frequently. Killexams.com is best website of Year 2022 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 exam Braindumps with the same frequency as they are updated in Real Test. exam dumps 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 courses of new syllabus, They recommend to download PDF exam Questions from killexams.com and get ready for actual exam. When you feel that you should register for Premium Version, Just choose visit killexams.com and register, you will receive your Username/Password in your Email within 5 to 10 minutes. All the future updates and changes in Braindumps will be provided in your download Account. You can download Premium exam dumps files as many times as you want, There is no limit.

Killexams.com has provided VCE VCE exam Software to Practice your exam by Taking Test Frequently. It asks the Real exam Questions and Marks Your Progress. You can take test as many times as you want. There is no limit. It will make your test prep very fast and effective. When you start getting 100% Marks with complete Pool of Questions, you will be ready to take actual Test. Go register for Test in Test Center and Enjoy your Success.




ACP-600 boot camp | 2V0-21.21 PDF Questions | E20-375 exam Questions | MB-340 writing test questions | CGEIT exam Braindumps | PTCE study guide | AD0-E106 trial test | CIMAPRA19-F03-1-ENG Study Guide | CCRA exam dumps | MS-100 practice exam | 300-715 braindumps | 98-365 Braindumps | HPE6-A73 free prep | NSE7_EFW-6.0 test prep | PMP bootcamp | 5V0-34.19 VCE exam | 101-01 study questions | 300-730 exam prep | Google-PCA free pdf | HPE0-Y53 assessment test trial |


P2050-005 - IBM Commerce Solutions Supply Chain Mgmt Technical Mastery Test v1 braindumps
P2050-005 - IBM Commerce Solutions Supply Chain Mgmt Technical Mastery Test v1 Free exam PDF
P2050-005 - IBM Commerce Solutions Supply Chain Mgmt Technical Mastery Test v1 Questions and Answers
P2050-005 - IBM Commerce Solutions Supply Chain Mgmt Technical Mastery Test v1 PDF Braindumps
P2050-005 - IBM Commerce Solutions Supply Chain Mgmt Technical Mastery Test v1 Practice Test
P2050-005 - IBM Commerce Solutions Supply Chain Mgmt Technical Mastery Test v1 questions
P2050-005 - IBM Commerce Solutions Supply Chain Mgmt Technical Mastery Test v1 Dumps
P2050-005 - IBM Commerce Solutions Supply Chain Mgmt Technical Mastery Test v1 test prep
P2050-005 - IBM Commerce Solutions Supply Chain Mgmt Technical Mastery Test v1 test
P2050-005 - IBM Commerce Solutions Supply Chain Mgmt Technical Mastery Test v1 information hunger
P2050-005 - IBM Commerce Solutions Supply Chain Mgmt Technical Mastery Test v1 questions
P2050-005 - IBM Commerce Solutions Supply Chain Mgmt Technical Mastery Test v1 information source
P2050-005 - IBM Commerce Solutions Supply Chain Mgmt Technical Mastery Test v1 Test Prep
P2050-005 - IBM Commerce Solutions Supply Chain Mgmt Technical Mastery Test v1 information source
P2050-005 - IBM Commerce Solutions Supply Chain Mgmt Technical Mastery Test v1 real questions
P2050-005 - IBM Commerce Solutions Supply Chain Mgmt Technical Mastery Test v1 study tips
P2050-005 - IBM Commerce Solutions Supply Chain Mgmt Technical Mastery Test v1 exam
P2050-005 - IBM Commerce Solutions Supply Chain Mgmt Technical Mastery Test v1 braindumps
P2050-005 - IBM Commerce Solutions Supply Chain Mgmt Technical Mastery Test v1 information search
P2050-005 - IBM Commerce Solutions Supply Chain Mgmt Technical Mastery Test v1 Free exam PDF
P2050-005 - IBM Commerce Solutions Supply Chain Mgmt Technical Mastery Test v1 exam dumps
P2050-005 - IBM Commerce Solutions Supply Chain Mgmt Technical Mastery Test v1 actual Questions
P2050-005 - IBM Commerce Solutions Supply Chain Mgmt Technical Mastery Test v1 exam format
P2050-005 - IBM Commerce Solutions Supply Chain Mgmt Technical Mastery Test v1 Latest Topics
P2050-005 - IBM Commerce Solutions Supply Chain Mgmt Technical Mastery Test v1 cheat sheet
P2050-005 - IBM Commerce Solutions Supply Chain Mgmt Technical Mastery Test v1 braindumps
P2050-005 - IBM Commerce Solutions Supply Chain Mgmt Technical Mastery Test v1 Cheatsheet
P2050-005 - IBM Commerce Solutions Supply Chain Mgmt Technical Mastery Test v1 exam Cram
P2050-005 - IBM Commerce Solutions Supply Chain Mgmt Technical Mastery Test v1 exam Cram
P2050-005 - IBM Commerce Solutions Supply Chain Mgmt Technical Mastery Test v1 PDF Download
P2050-005 - IBM Commerce Solutions Supply Chain Mgmt Technical Mastery Test v1 information source
P2050-005 - IBM Commerce Solutions Supply Chain Mgmt Technical Mastery Test v1 PDF Download
P2050-005 - IBM Commerce Solutions Supply Chain Mgmt Technical Mastery Test v1 information hunger
P2050-005 - IBM Commerce Solutions Supply Chain Mgmt Technical Mastery Test v1 Latest Questions
P2050-005 - IBM Commerce Solutions Supply Chain Mgmt Technical Mastery Test v1 test prep
P2050-005 - IBM Commerce Solutions Supply Chain Mgmt Technical Mastery Test v1 exam Questions
P2050-005 - IBM Commerce Solutions Supply Chain Mgmt Technical Mastery Test v1 actual Questions
P2050-005 - IBM Commerce Solutions Supply Chain Mgmt Technical Mastery Test v1 study tips
P2050-005 - IBM Commerce Solutions Supply Chain Mgmt Technical Mastery Test v1 Cheatsheet
P2050-005 - IBM Commerce Solutions Supply Chain Mgmt Technical Mastery Test v1 exam format
P2050-005 - IBM Commerce Solutions Supply Chain Mgmt Technical Mastery Test v1 braindumps
P2050-005 - IBM Commerce Solutions Supply Chain Mgmt Technical Mastery Test v1 PDF Download
P2050-005 - IBM Commerce Solutions Supply Chain Mgmt Technical Mastery Test v1 information source
P2050-005 - IBM Commerce Solutions Supply Chain Mgmt Technical Mastery Test v1 exam Questions
P2050-005 - IBM Commerce Solutions Supply Chain Mgmt Technical Mastery Test v1 exam format
P2050-005 - IBM Commerce Solutions Supply Chain Mgmt Technical Mastery Test v1 Study Guide
P2050-005 - IBM Commerce Solutions Supply Chain Mgmt Technical Mastery Test v1 test
P2050-005 - IBM Commerce Solutions Supply Chain Mgmt Technical Mastery Test v1 cheat sheet
P2050-005 - IBM Commerce Solutions Supply Chain Mgmt Technical Mastery Test v1 learn
P2050-005 - IBM Commerce Solutions Supply Chain Mgmt Technical Mastery Test v1 PDF Braindumps
P2050-005 - IBM Commerce Solutions Supply Chain Mgmt Technical Mastery Test v1 exam contents
P2050-005 - IBM Commerce Solutions Supply Chain Mgmt Technical Mastery Test v1 exam format
P2050-005 - IBM Commerce Solutions Supply Chain Mgmt Technical Mastery Test v1 teaching



Best Certification exam dumps You Ever Experienced


000-M237 Cheatsheet | P2090-068 VCE exam | 000-188 exam questions | 00M-620 trial test questions | 00M-243 braindump questions | 00M-640 PDF download | 00M-656 exam Questions | 00M-225 exam papers | 000-928 Free exam PDF | CUR-008 free online test | BAS-010 VCE exam | 000-273 free pdf | 00M-617 practice exam | A2180-181 free prep | 000-543 study guide | C2010-501 test example | 000-M226 exam Questions | P2070-092 exam Questions | COG-142 practice questions | P2170-015 free pdf download |





References :


https://www.4shared.com/office/_c-LrDr4ea/IBM-Commerce-Solutions-Supply-.html
https://arfansaleemfan.blogspot.com/2020/09/p2050-005-ibm-commerce-solutions-supply.html
https://www.coursehero.com/file/69008733/IBM-Commerce-Solutions-Supply-Chain-Mgmt-Technical-Mastery-Test-v1-P2050-005pdf/
http://feeds.feedburner.com/OnceYouMemorizeTheseP2050-005QaYouWillGet100Marks
https://drp.mk/i/1Gfg1Zr5GY
https://www.4shared.com/video/oQmHCk-hiq/IBM-Commerce-Solutions-Supply-.html
http://ge.tt/6gTNBY83
http://killexams.decksrusct.com/blog/certification-exam-dumps/p2050-005-ibm-commerce-solutions-supply-chain-mgmt-technical-mastery-test-v1-practice-test-with-real-question-by-killexams-com/
https://ello.co/killexamz/post/ixkqqskktlqwlhtffxkqug
https://spaces.hightail.com/space/v47qz1ixkg/files/fi-6a191253-36bc-44a9-85db-d29a0ac69a14/fv-02fb1340-6834-4096-a277-1b268e71b6e3/IBM-Commerce-Solutions-Supply-Chain-Mgmt-Technical-Mastery-Test-v1--(P2050-005).pdf#pageThumbnail-1
https://justpaste.it/P2050-005
https://files.fm/f/8aqmxfk7y
https://sites.google.com/view/ killexams-p2050-005-exam-dumps
https://killexams-p2050-005.jimdofree.com/



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






Direct Download

P2050-005 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.

P2050-005 Reviews

100% Valid and Up to Date P2050-005 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