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 PCCE?
Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der PCCE: Paralegal CORE Competency Exam Prüfung.
2025 Updated Actual PCCE questions as experienced in Test Center
Aktuelle PCCE Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz
![]() Social-Work-Board PCCE : Paralegal CORE Competency test Exam Questions, MCQs and Practice TestPractice Test Organized by Shahid nazir |
Latest 2025 MCQs of Social-Work-Board Paralegal CORE Competency Exam
PCCE test Questions & Practice Test, MCQs in Premium PDF and Test Engine
MCQs practice test and Free Test Engine Software - MCQs Updated on Daily Basis
Big Discount / Cheapest price & 100% Success Rate
PCCE MCQs : Download 100% Free PCCE test Questions (PDF and VCE)
Exam Number : PCCE
Exam Name : Paralegal CORE Competency Exam
Vendor Name : Social-Work-Board
Update : Click Here to Check Latest Update
Total MCQs : Check Questions
Just get free PCCE practice questions with test engine
Killexams.com is the premier preparation resource for excelling in the Social-Work-Board PCCE exam. They have meticulously curated a comprehensive bank of authentic PCCE practice test questions and answers, updated in sync with the Paralegal CORE Competency Exam test and rigorously reviewed by their experts. Their premium TestPrep Practice Tests, online test engine, and desktop test engine ensure you are fully equipped to achieve outstanding results in your PCCE exam.
Our mission at killexams.com is to provide the best resources to help you pass your Social-Work-Board PCCE test on your first attempt. To achieve this, they offer real PCCE PDF test Dumps in two formats: PCCE PDF and PCCE VCE test system. With these formats, you can navigate the Social-Work-Board PCCE genuine test quickly and effectively. Their PCCE Practice Test PDF format is designed for easy practicing on any device, including iPhone, iPad, Android, MAC, and more. You can even print it out to take with you on vacation to the beach or any other location.
We take pride in their impressive pass rate of 98.9%. Additionally, the similarity rate between their PCCE Latest Topics and the actual test is also at 98%. This means you can trust their materials to provide accurate and up-to-date information that will prepare you for the real exam. If you want to achieve success in the PCCE test on your first attempt, look no further than killexams.com. They are confident that their resources will help you pass your test with flying colors!

PCCE test Format | PCCE Course Contents | PCCE Course Outline | PCCE test Syllabus | PCCE test Objectives
The format of the PCC test follows the proven structure
of NFPAs Paralegal Advanced Competency test (PACE).
The exam:
- is two and one-half hours in length;
- consists of 125 multiple choice questions;
- is computer administered with instant
preliminary results, followed by official scoring
run results provided at least quarterly;
- is widely available at many testing centers with
examinations given Monday – Friday, and in
some locations, weekends and evenings;
- consists of two domains:
~ Paralegal Practice – 52%
~ Substantive Areas of Law – 48%
- is based on information from coursework in various
paralegal programs and basic knowledge all
paralegals should possess as well as actual skills
considered essential to basic paralegal competency;
- is also a test of paralegal ethics, legal technology and
key terminology
to provide the groundwork for expanding paralegal
roles and responsibilities;
- to provide the public and legal community with
a mechanism to gauge the core competencies of
paralegals;
- to be used in states considering the regulation of
paralegals; and
- to be used by paralegal programs as an exit exam
or Assurance of Learning tool.
Bachelors degree in any subject, plus a paralegal certificate;
no experience or CLE required; OR
- Bachelors degree in paralegal studies; no experience or
CLE required; OR
- Bachelors degree in any subject, no paralegal certificate,
6 months experience and 1 hour of ethics taken in the year
preceding the test application date; OR
- Associates degree in paralegal studies, no experience or
CLE required; OR
- Associates degree in any subject, a paralegal certificate,
no experience or CLE; OR
- Associates degree in any subject, no paralegal certificate,
1 year experience and 6 hours of CLE, including 1 hour of
ethics taken in the year preceding the test application date; OR
- Paralegal certificate from a program that meets or exceeds
the requirements set forth in NFPAs Short Term Paralegal
Program Position Statement, 1 year experience and 6 hours of
CLE, including 1 hour of ethics, taken in the year preceding
the test application date; OR
- Active, duty, retired or former military personnel qualified
in a military operation specialty as a paralegal and 1.0 hour of
ethics CLE within the year preceding the test application; OR
- Candidates who are within two months of graduating and
registered for the PCC test by a Director of a paralegal
studies program participating in the PCCE Assurance of
Learning (AoL) Program at the Partner level; OR
- High school diploma or GED, 5 years experience and 12 hours
of CLE, including 1 hour of ethics, taken within 2 years
preceding the test application date.
Complete syllabus covered in QAs.
------------------------------
- Legal Terminology, Legal Research, and Legal Writing
- Legal Terminology: Understanding and correctly using legal terms and phrases.
- Examples:
- stare decisis
- res judicata
- voir dire
- subpoena
- tort
- jurisdiction
- liability
- negligence
- Legal Research: Knowledge of research methods and resources.
- Primary vs. secondary sources.
- Use of legal databases
- Westlaw
- LexisNexis
- Citation formats
- Bluebook
- ALWD
- Legal Writing: Drafting legal documents and correspondence.
- Types of legal documents:
- pleadings
- motions
- briefs
- memoranda
- contracts
- correspondence
- Ethics and Professional Practice
- Ethical Rules and Guidelines: Understanding the ethical obligations of paralegals.
- Key concepts:
- confidentiality
- conflicts of interest
- unauthorized practice of law (UPL)
- attorney-client privilege
- NFPA Model Code of Ethics and Professional Responsibility.
- State-specific ethical rules and guidelines.
- Professional Responsibility: Role of the paralegal in the legal team.
- Maintaining client confidentiality.
- Avoiding conflicts of interest.
- Proper billing practices and timekeeping
- Legal Technology and Office Administration
- Legal Technology: Use of technology in legal practice.
- Case management software
- Clio
- MyCase
- E-discovery tools and techniques.
- Document management systems.
- Electronic filing (e-filing) systems.
- Office Administration: Managing law office operations.
- File organization and management.
- Calendaring and docketing deadlines.
- Client intake procedures.
- Billing and accounting practices.
- Civil Litigation
- Litigation Process: Understanding the stages of civil litigation.
- Pre-trial:
- pleadings
- discovery
- motions
- settlement negotiations
Trial:
- trial preparation
- courtroom procedures
- evidence presentation
- Post-trial: appeals and enforcement of judgments.
- Key Documents and Procedures:
- Drafting complaints
- answers
- motions.
- Discovery tools:
- interrogatories
- depositions
- requests for production
- Subpoenas and witness preparation.
- Terminologies:
- Summons
- complaint
- answer
- default judgment
- motion to dismiss
- summary judgment
- Substantive Law
- Areas of Law: Basic understanding of key areas of substantive law.
- Contracts:
- Formation
- breach
- remedies
- Torts:
- Negligence
- intentional torts
- strict liability
- Real Property:
- Ownership
- transfers
- leases
- Criminal Law:
- Elements of crimes
- defenses
- procedures
- Family Law:
- Divorce
- custody
- support
- Business Organizations:
- Corporations
- partnerships
- LLCs
- Terminologies:
- Consideration
- breach of contract
- negligence per se
- fee simple
- mens rea
- actus reus
- alimony
- joint venture
Killexams Review | Reputation | Testimonials | Feedback
Where can I obtain updated practice test questions for PCCE?
Killexams.com provides splendid test preparation resources for the PCCE exam. I purchased their material because I could not find any reliable books or PDFs to study from. Their practice exams provided dump questions that accurately reflected the test format, with no irrelevant or unnecessary information. I highly recommend killexams.com to anyone taking the PCCE exam.
Want up-to-date practice exams for the PCCE exam? Here it is.
Affordable PCCE test engine and practice exams of test questions were key to my success. The materials clarified tough concepts, and I achieved excellent grades in just fifteen days. Their user-focused design made studying a breeze, and Im deeply grateful for their support.
Here is the proper material for the latest practice exams with correct answers.
The PCCE test was tough, and I honestly do not know how long it would have taken me to prepare for it on my own. However, with Killexams.com questions, I found it easy to memorize and understand the real and accurate questions, which ultimately helped me pass the test with ease. I highly recommend Killexams.com for anyone who wants to add the PCCE test to their resume.
Where can I get the latest PCCE practice tests?
I am excited to share the great news that I passed the PCCE test yesterday. I would like to thank the entire team at Killexams.com for their excellent work. Their training material is top-notch, and I appreciate the effort they put into creating such high-quality resources.
What is the pass ratio for the PCCE exam?
Failing the PCCE test last year due to overwhelming topics, I found killexams.com test questions study guide to be a perfect solution. Their superb explanations led to an 89% score, and I am thrilled with their exceptional resources.
Social-Work-Board CORE test Cram
PCCE Exam
| Question: How to complete my study for PCCE test in the shortest time? Answer: It depends on you. If you are free and have more time to study, you can get ready for the test even in 24 hours. Although they recommend taking your time to study and practice PCCE practice test enough to make sure that you can answer all the questions that will be asked in the actual PCCE exam. |
| Question: I have very poor practicing skills, What should I use to pass PCCE exam? Answer: If you have poor practicing skills, you should use the VCE test simulator. You should take the PCCE test again and again until you get a 100% score in the test simulator. It means you are ready to take the test. Although they recommend going through all the questions/answers before you take the test and get additional knowledge as much as possible, still you can pass your test with these PCCE test questions. |
| Question: Where I can find PCCE test course contents? Answer: Complete PCCE test objectives information is provided at killexams.com at PCCE test page. PCCE Syllabus, PCCE test Course Contents, PCCE test Objective, and other test information are provided on the PCCE test page. It will greatly help you to go through complete course contents and register at killexams to get the full version of PCCE test questions. |
| Question: Do you recommend me totry these PCCE practice test and study guide? Answer: Yes, of course. They recommend you go through these PCCE test questions before you take the actual test. These Q&As will help you greatly in passing your test with good marks. |
| Question: There are several websites providing PCCE test questions, which I should select? Answer: Killexams.com is the best place to get updated PCCE questions questions. These PCCE questions work in the actual test. You will pass your test with these PCCE test prep. If you deliver some time to study, you can prepare for an test with much boost in your knowledge. They recommend spending as much time as you can to study and practice PCCE practice test until you are sure that you can answer all the questions that will be asked in the actual PCCE exam. For this, you should visit killexams.com and register to get the complete dumps questions of PCCE test test prep. These PCCE test questions are taken from actual test sources, that's why these PCCE test 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 PCCE questions are sufficient to pass the exam. |
https://www.pass4surez.com/art/read.php?keyword=Social-Work-Board+CORE+Exam+Cram&lang=us&links=remove
Choosing a reliable and up-to-date certification practice test provider can be challenging, as candidates want assurance of quality, credibility, and effectiveness. Killexams.com is committed to delivering top-tier practice exams that uses actual questions for practice, are regularly updated to ensure accuracy and relevance. They prioritize their candidates’ success, offering high-quality resources that have empowered countless individuals to pass their certification exams with confidence and ease. Their unwavering focus on excellence, trustworthiness, and customer satisfaction sets us apart. Unlike some resellers who may mislead customers, Killexams.com maintains a stellar reputation through consistent quality and transparency. Be cautious of false claims or negative reports from competitors attempting to undermine trusted services like ours. With thousands of satisfied candidates who have successfully passed their exams using their practice tests, PDF question banks, and VCE test simulator, Killexams.com stands as a proven leader. Explore their trial questions and try their test simulator to experience firsthand why Killexams.com is the preferred choice for certification preparation.
Which is the best practice exams website?
Yes, Killexams is fully legit and also fully trustworthy. There are several benefits that makes killexams.com legitimate and legitimate. It provides informed and fully valid test questions comprising real exams questions and answers. Price is very low as compared to almost all of the services online. The Dumps are modified on ordinary basis utilizing most accurate questions. Killexams account build up and solution delivery is really fast. Submit downloading is normally unlimited and extremely fast. Assistance is avaiable via Livechat and E mail. These are the characteristics that makes killexams.com a robust website that offer test prep with real exams questions.
Is killexams.com test material dependable?
Many websites claim to provide actual test Questions, Braindumps, Practice Test, Study Guides, and cheat sheets, but most of them are simple re-sellers offering outdated content. Killexams.com stands out in 2025 as the leading platform that truly understands the challenges candidates face when wasting time on obsolete materials from free PDF sites or reseller sources. That is why Killexams.com regularly updates its MCQs to match the latest Real test Questions. Every question in the Killexams.com MCQs is reliable, verified, and kept up-to-date by certified professionals who monitor daily test updates.
If you want to pass your test quickly while also improving your knowledge of the latest syllabus topics, they strongly recommend downloading the PDF MCQs, test Questions and practice test from Killexams.com. Preparing with these resources ensures that you are ready for the actual exam. When you upgrade to the Premium Version, simply register at Killexams.com — you will receive your Username and Password within 5 to 10 minutes by email. All future updates to MCQs are automatically included in your account, and you can get the updated files as many times as needed without restrictions.
To make your preparation even more effective, Killexams.com provides Test Engine Software. This tool allows you to practice with Real test Questions, track your progress, and take unlimited practice tests. The more you practice, the faster and more confident you become. Once you consistently achieve 100% marks with the complete pool of updated questions, you will be fully prepared to take the actual test at the Exam Center and achieve success.
ABIM-SM Real test Questions | C1000-112 Braindumps | CertPAPL319 pdf get | Praxis-Core Dumps | NICCL actual qeustions | ISTQB-Advanced-Level-1 trial questions | PMI-ACP practice questions | MB-230 mock test | GAFM-ABBM practice test | OGBA-101 model question | GAFM-MCM test prep questions | CPEA dump questions | 312-50v12 dumps questions | Tableau-Desktop-Specialist study material | BCCPA test questions | GAFM-CAA Latest syllabus | API-580 mock questions | IAPP-CIPM free dumps | AICP examcollection | H13-511 training material |
PCCE - Paralegal CORE Competency test book
PCCE - Paralegal CORE Competency test Real test Questions
PCCE - Paralegal CORE Competency test real questions
PCCE - Paralegal CORE Competency test test questions
PCCE - Paralegal CORE Competency test exam cram
PCCE - Paralegal CORE Competency test Real test Questions
PCCE - Paralegal CORE Competency test Practice Questions
PCCE - Paralegal CORE Competency test test prep
PCCE - Paralegal CORE Competency test testprep
PCCE - Paralegal CORE Competency test Free test PDF
PCCE - Paralegal CORE Competency test test
PCCE - Paralegal CORE Competency test answers
PCCE - Paralegal CORE Competency test course outline
PCCE - Paralegal CORE Competency test test
PCCE - Paralegal CORE Competency test information source
PCCE - Paralegal CORE Competency test testprep
PCCE - Paralegal CORE Competency test test
PCCE - Paralegal CORE Competency test PDF Download
PCCE - Paralegal CORE Competency test Study Guide
PCCE - Paralegal CORE Competency test test
PCCE - Paralegal CORE Competency test study help
PCCE - Paralegal CORE Competency test Practice Test
PCCE - Paralegal CORE Competency test information hunger
PCCE - Paralegal CORE Competency test Practice Test
PCCE - Paralegal CORE Competency test Exam questions
PCCE - Paralegal CORE Competency test Test Prep
PCCE - Paralegal CORE Competency test techniques
PCCE - Paralegal CORE Competency test exam format
PCCE - Paralegal CORE Competency test syllabus
PCCE - Paralegal CORE Competency test Test Prep
PCCE - Paralegal CORE Competency test information source
PCCE - Paralegal CORE Competency test exam format
PCCE - Paralegal CORE Competency test PDF Questions
PCCE - Paralegal CORE Competency test teaching
PCCE - Paralegal CORE Competency test exam help
PCCE - Paralegal CORE Competency test PDF Download
PCCE - Paralegal CORE Competency test PDF Download
PCCE - Paralegal CORE Competency test boot camp
PCCE - Paralegal CORE Competency test exam syllabus
PCCE - Paralegal CORE Competency test syllabus
PCCE - Paralegal CORE Competency test PDF download
PCCE - Paralegal CORE Competency test exam success
PCCE - Paralegal CORE Competency test exam
PCCE - Paralegal CORE Competency test answers
Other Social-Work-Board MCQs and Practice Test
ASWB actual qeustions | CFSW actual questions | PACE pdf download | PCCE pdf questions |
Best MCQs and practice test You Ever Experienced
GAFM-CDMS practice exam | FortiSandbox free dumps | BONENT-CHBT ACTUAL EXAM QUESTIONS | MB-335 dumps questions | CBSP test braindumps | IFSEA-CFM real questions | MB-260 Practice Test | GAFM-COM study guide | GAFM-CACP trial test questions | DU0-001 practical test | AMPP-Coating-Technician test engine | GAFM-MESG questions and answers | Series63 free pdf dumps | CHHE real questions | DCPP-01 Braindumps | AFPP test Questions | GAFM-ChIA test prep | GAFM-CDEI mock test | Salesforce-Certified-Business-Analyst free questions | C1000-135 questions and answers |
References :
https://killexams-posting.dropmark.com/817438/23570736
https://killexams-posting.dropmark.com/817438/23650370
https://www.instapaper.com/read/1323681267
https://www.blogger.com/comment.g?blogID=9877556&postID=111862383436518389&page=1&token=1595594137133
http://feeds.feedburner.com/OnceYouMemorizeThesePcceQaYouWillGet100Marks
https://arfansaleemfan.blogspot.com/2020/08/pcce-nfpa-paralegal-core-competency.html
https://sites.google.com/view/killexams-pcce-cheat-sheet
https://www.coursehero.com/file/76743719/NFPA-Paralegal-CORE-Competency-Exam-PCCEpdf/
https://files.fm/f/ymtbmx7at
https://youtu.be/AwBzDuUiz10
Similar Websites :
Pass4sure Certification test Practice Tests
Pass4Sure Certification Question Bank
PCCE 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 PCCE 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

