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 P3OF?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der P3OF: Portfolio- Programme and Project Offices Foundation Prüfung.

2025 Updated Actual P3OF questions as experienced in Test Center

Aktuelle P3OF Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz

Exin P3OF : Portfolio, Programme and Project Offices Foundation Practice Tests

Practice Tests Organized by Martin Hoax



Latest 2025 Updated Exin Portfolio, Programme and Project Offices Foundation Syllabus
P3OF 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




P3OF question bank : Download 100% Free P3OF practice questions (PDF and VCE)

Exam Number : P3OF
Exam Name : Portfolio, Programme and Project Offices Foundation
Vendor Name : Exin
Update : Click Here to Check Latest Update
Question Bank : Check Questions

Exin P3OF Latest Topics of genuine Question are separated to download.
Our platform at killexams.com is trustworthy and guarantees a 100% pass with P3OF Free exam PDF. You need to practice P3OF questions for at least 24 hours to score well on the P3OF test. Your real journey to success in the Portfolio, Programme and Project Offices Foundation exam certainly begins with killexams.com P3OF Exam Questions.

If you want to find a reliable and updated source of P3OF Exam Questions, don't waste your time with outdated and invalid materials from other providers on the web. Instead, trust killexams.com, where you can get 100% free P3OF Real exam Questions test questions and see for yourself. After that, register and get a 3-month subscription to get the latest and most valid P3OF Exam Questions, containing genuine P3OF test questions and answers. To prepare for your test, you can also get the P3OF VCE test system.

At killexams.com, they have a team of experts who gather genuine P3OF test questions and update them regularly to ensure that you pass the Exin P3OF test and get a great job. You can get the latest P3OF test questions for free, and they certain that they are valid and up-to-date. Don't rely on free P3OF Real exam Questions available on the web, as they may not be reliable or accurate. Instead, choose killexams.com for your P3OF test preparation.







P3OF exam Format | P3OF Course Contents | P3OF Course Outline | P3OF exam Syllabus | P3OF exam Objectives


Multiple choice examination questions
50 questions per paper with one mark available per question
40 minutes duration
30 marks required to pass (out of 50 available) – 60%
Closed book.

The P3O® certification scheme has been developed to offer two levels of certification, Foundation and Practitioner. AXELOS has accredited PeopleCert as their exam Institute (EI) and PeopleCert then accredits a network of Accredited Training Organizations (ATOs), including their trainers and course material. The ATOs and accredited trainers offer P3O training courses and examinations.

The purpose of the Foundation certification is to confirm that you have sufficient knowledge and understanding of the P3O guidance to interact effectively with, or act as an informed member of, an office within a P3O model. The Foundation certification is a pre-requisite for the Practitioner certification.

The Portfolio, Programme and Project Offices (P3O®) guidance provides advice, supported
by discussion and examples, on how to develop a governance structure that helps optimize
an organizations investment in change alongside its Business as Usual work.
P3O qualifications are currently offered are two levels: Foundation and Practitioner.
The primary purpose of the syllabus is to provide a basis for accreditation of people involved
with P3O. It documents the learning outcomes related to the use of P3O and describes the
requirements a candidate is expected to fulfil in order to demonstrate that these learning
outcomes have been achieved at each qualification level.
The target audience for this document is:
 exam Board
 exam Panel
 APMG Assessment Team
 Accredited Training Organizations
This syllabus informs the design of the exams and provides accredited training organizations
with a breakdown of what the exams will assess. Details on the exam structure and content
are documented in the P3O Foundation and Practitioner Designs.

The purpose of the Foundation qualification is to confirm that a candidate has sufficient
knowledge and understanding of the P3O guidance to interact effectively with, or act as an
informed member of, an office within a P3

The candidate should understand the key principles and terminology within the P3O
guidance. Specifically the candidate should understand the:
 High-level P3O model and its component offices
 Differences between Portfolio, Programme and Project Management
 Key functions and services of a P3O
 Reasons for establishing a P3O model
 Differences between types of P3O model and the factors that influence selection of the most appropriate model
 Processes to implement or re-energize a P3O
 Tools and techniques used by a P3O
 Purpose and major responsibilities of the defined roles

Level Topic
Key PPM definitions:
1. PPM
2. Portfolio, programme and project
3. Portfolio, programme and project management
4. Business as Usual
What a P3O is:
1. Definition of P3O
2. The potential elements of a P3O model and their definitions Understand key concepts relating to the Overview, Principles of a P3O model and its elements including the Introduction to P3O.
Specifically to identify:
Key concepts of a P3O:
1. The objectives of and differences between portfolios, programmes and projects
2. The objectives of and differences between portfolio, programme and project management and how they help to deliver change
The organizational context of P3O:
1. The relationship between Business as Usual, change and PPM
2. How the elements of a P3O model align to portfolio, programme and project lifecycles
How a P3O provides a decision-enabling/deliverysupport model and how each P3O model element helps to deliver change
What a P3O is:
1. The relationships between the elements in a P3O model and the organization
2. The objectives and key functions of each P3O model element



Killexams Review | Reputation | Testimonials | Feedback


It's a great idea to study real test questions for the P3OF exam.
A colleague recommended killexams.com's Braindumps to me, and I was not disappointed. She had passed her exam using their exam materials, and I achieved a score of 88% using them. The material was top-notch, and the process of enlisting for the exam was straightforward. Though the exam was challenging, their answers and elements to the questions helped me attempt the indirect questions. Thanks Killexams Team


You just need a weekend to study for the P3OF exam with these practice tests.
I had 12 days left to prepare for the P3OF exam, and I was loaded with a few factors. I urgently needed a smooth and effective guide, and ultimately, I got the killexams.com Questions and Answers. The quick answers were not difficult to complete in 15 days. In the true P3OF exam, I scored 88%, and I had answered 90% of the questions similar to the pattern papers they provided. I am grateful to killexams.com.


It is splendid! I got practice questions for the P3OF exam.
I successfully passed my P3OF exam, thanks to killexams.com's practice questions and exam simulator. This amazing resource helped me immensely in my exam preparation, and I am grateful for their assistance.


I'm very pleased with the P3OF exam manual.
I had faced consecutive failures in my P3OF exam, and I was on the verge of giving up. However, someone recommended killexams.com to me and encouraged me to supply the exam one last try. I decided to follow their advice, and it was the best decision I ever made. The ultimate attempt with killexams.com for the P3OF exam went smoothly, and I passed the paper without any issues. I am grateful to killexams.com for not letting me supply up on my dreams and helping me achieve success.


Great experience with Killexams P3OF questions and answers!
With the help of killexams.com's training materials, I was able to score a high 98% on my P3OF exam just three days ago. I spent over a week memorizing all the Braindumps provided by killexams.com, which made it easy for me to identify the correct answers during the live exam. I am grateful to the killexams.com team for providing such wonderful training material that contributed to my success.


Exin Project exam Questions

P3OF Exam

User: Ruza*****

I made a quick decision to use killexams.com practice questions as my test partner for the P3OF exam. I was ecstatic to see the questions on display, as they were like copied questions from killexams.com practice tests. This helped me pass with a 97% score in only 65 minutes.
User: Margaret*****

I practiced for a week and passed the exam with 89% marks. The right exam preparation needs to be much like killexams.com for everyone. Their excellent collection of questions and exam simulator is precisely accurate, and their material is top-notch. The questions are valid, and the exam simulator works best. I suggest killexams.com to everyone.
User: Yury*****

I always wanted to get certified in the P3OF exam, and Killexams.com made it possible for me. Their cutting-edge module of questions and associated subjects helped me achieve a score of more than 87%. I could not have accomplished this on my own, and I am grateful to Killexams.com.
User: Slavka*****

Thanks to Killexams.com, I was able to pass the p3of exam on my first try with a score of 89% after just two days of preparation. The practice questions provided were extremely helpful, and I felt confident during the exam. I look forward to using Killexams.com for future exams.
User: Amelia*****

I recently purchased the p3of brain dump test and was pleased to see that Killexams.com had provided the latest updates, including new regions. Their turnaround time and support were exceptional, and I found the exam materials to be very useful and informative.

P3OF Exam

Question: Can I find real Braindumps of P3OF exam?
Answer: Yes. You will get up-to-date P3OF real questions. If there will be any update in the exam, it will be automatically copied in your get section and you will receive an intimation email. You can memorize and practice these Braindumps with the VCE exam simulator. It will train you enough to get good marks in the exam.
Question: Will I be able to find updated P3OF dumps Questions & Answers?
Answer: Yes, once registered at killexams.com you will be able to get up-to-date P3OF questions Braindumps that will help you pass the exam with good marks. When you get and practice the exam questions, you will be confident and feel improvement in your knowledge.
Question: I passed my exam, now I want next exam, Will I get discount?
Answer: You should contact support to get a discount coupon for the next exam. You can ask for a special discount as returning customer.
Question: I have P3OF PDF and VCE. It is possible to extend only PDF account validity?
Answer: Yes, Of course. You can contact killexams support for renewal coupons. Their team will supply you a special discount coupon to extend your account. Just ask for PDF downloads and their team will provide you a direct link to extend your account validity with PDF only.
Question: Does killexams provide guarantee?
Answer: Yes, Killexams.com guarantees its practice test. You will surely pass your exam with these practice test, otherwise, you will get your money back. You can see the certain policy at https://killexams.com/pass-guaratnee
Exin+Project+Exam+Questions
https://www.pass4surez.com/art/read.php?keyword=Exin+Project+Exam+Questions&lang=us&links=remove



Whilst it is very hard task to choose reliable exam Braindumps 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 actual questions 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 questions website?
Of course, Killexams is hundred percent legit together with fully reputable. There are several attributes that makes killexams.com authentic and respectable. It provides up-to-date and hundred percent valid exam questions containing real exams questions and answers. Price is extremely low as compared to the majority of the services on internet. The Braindumps are current on ordinary basis through most latest questions. Killexams account make and merchandise delivery is extremely fast. File downloading is definitely unlimited and incredibly fast. Guidance is avaiable via Livechat and Electronic mail. These are the features that makes killexams.com a robust website offering exam prep with real exams questions.



Is killexams.com test material dependable?
There are several Braindumps 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 2025 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 Braindumps 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 question bank 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 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 Braindumps will be provided in your get Account. You can get Premium VCE exam 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 genuine Test. Go register for Test in Exam Center and Enjoy your Success.




S2000-017 VCE exam | 050-v71x-CSESECURID Free PDF | ISEB-PM1 sample test questions | CCSA questions answers | 2B0-018 exam prep | FNCB-AFN-C Free exam PDF | CLF-C02 PDF get | CABA pdf exam | 2B0-011 practice questions | GNP-BC study guide | BL0-100 test questions | C100DBA practice exam | BCCPP online exam | 250-251 online exam | NSE7_PBC-7.2 exam Questions | CAU302 cbt | C1000-163 Test Prep | C1000-121 pdf questions | NACE-CIP2-001 Study Guide | Salesforce-Certified-Identity-and-Access-Management-Designer question bank |


P3OF - Portfolio, Programme and Project Offices Foundation certification
P3OF - Portfolio, Programme and Project Offices Foundation PDF Download
P3OF - Portfolio, Programme and Project Offices Foundation PDF questions
P3OF - Portfolio, Programme and Project Offices Foundation learning
P3OF - Portfolio, Programme and Project Offices Foundation book
P3OF - Portfolio, Programme and Project Offices Foundation testprep
P3OF - Portfolio, Programme and Project Offices Foundation Test Prep
P3OF - Portfolio, Programme and Project Offices Foundation PDF questions
P3OF - Portfolio, Programme and Project Offices Foundation tricks
P3OF - Portfolio, Programme and Project Offices Foundation exam Questions
P3OF - Portfolio, Programme and Project Offices Foundation testprep
P3OF - Portfolio, Programme and Project Offices Foundation exam syllabus
P3OF - Portfolio, Programme and Project Offices Foundation PDF Questions
P3OF - Portfolio, Programme and Project Offices Foundation exam Questions
P3OF - Portfolio, Programme and Project Offices Foundation Real exam Questions
P3OF - Portfolio, Programme and Project Offices Foundation study tips
P3OF - Portfolio, Programme and Project Offices Foundation exam format
P3OF - Portfolio, Programme and Project Offices Foundation exam
P3OF - Portfolio, Programme and Project Offices Foundation guide
P3OF - Portfolio, Programme and Project Offices Foundation exam questions
P3OF - Portfolio, Programme and Project Offices Foundation learning
P3OF - Portfolio, Programme and Project Offices Foundation Practice Test
P3OF - Portfolio, Programme and Project Offices Foundation Premium PDF
P3OF - Portfolio, Programme and Project Offices Foundation syllabus
P3OF - Portfolio, Programme and Project Offices Foundation genuine Questions
P3OF - Portfolio, Programme and Project Offices Foundation premium pdf
P3OF - Portfolio, Programme and Project Offices Foundation study tips
P3OF - Portfolio, Programme and Project Offices Foundation testprep
P3OF - Portfolio, Programme and Project Offices Foundation learn
P3OF - Portfolio, Programme and Project Offices Foundation Test Prep
P3OF - Portfolio, Programme and Project Offices Foundation practice tests
P3OF - Portfolio, Programme and Project Offices Foundation test questions
P3OF - Portfolio, Programme and Project Offices Foundation course outline
P3OF - Portfolio, Programme and Project Offices Foundation exam cram
P3OF - Portfolio, Programme and Project Offices Foundation cheat sheet
P3OF - Portfolio, Programme and Project Offices Foundation genuine Questions
P3OF - Portfolio, Programme and Project Offices Foundation techniques
P3OF - Portfolio, Programme and Project Offices Foundation test questions
P3OF - Portfolio, Programme and Project Offices Foundation exam
P3OF - Portfolio, Programme and Project Offices Foundation premium pdf
P3OF - Portfolio, Programme and Project Offices Foundation answers
P3OF - Portfolio, Programme and Project Offices Foundation questions
P3OF - Portfolio, Programme and Project Offices Foundation PDF questions
P3OF - Portfolio, Programme and Project Offices Foundation exam questions

Other Exin Practice Tests


MOVF practice exam | TMSTE training material | ISFS practice exam | SCNP-EN exam cram | ASF questions download | SCNS-EN download | P3OF cbt | ITILFND-V4 writing test questions | EX0-115 sample test | TMPTE test exam | ASM Study help | PDPF online exam | BLOCKCHAINF free practice test | CLOUDF study guide | ISO20KF Question Bank | GRITC exam Cram | ITSM20F study material | SIAMF Latest Questions | Exin-CDCP exam questions | Agile-Scrum-Foundation test questions |


Best practice questions You Ever Experienced


CBAF-001 free practice test | JN0-422 real questions | ACA-CCN test questions | E20-375 free practice tests | CPA-REG test prep | CLSSYB study guide | C1000-166 exam results | C1000-074 download | NS0-003 exam answers | SAFe-Practitioner exam cram | CFP free prep | QAWI301 free study guide | Fireware-Essentials mock test | 8010 past exams | 3V0-32.21 study guide | OG0-061 exam preparation | DES-1B21 Practice test | 090-160 writing test questions | HPE0-V14 practice exam | HPE7-A01 study guide |





References :


https://killexams-posting.dropmark.com/817438/23550726
http://killexams-braindumps.blogspot.com/2020/06/exactly-same-p3of-real-questions-as.html
https://killexams-posting.dropmark.com/817438/23650357
https://www.instapaper.com/premium
https://files.fm/f/xxfhmyg8
http://feeds.feedburner.com/ExinP3ofDumpsAndPracticeTestsWithRealQuestion
https://sites.google.com/view/killexams-p3of-exam-dumps
https://youtu.be/Ssd_Vg-GfYc



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






Direct Download

P3OF 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.

P3OF Reviews

100% Valid and Up to Date P3OF 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