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 PEGACLSA_6.2V2?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der PEGACLSA_6.2V2: Certified Lead System Architect (CLSA) 62V2 Prüfung.

2022 Updated Actual PEGACLSA_6.2V2 questions as experienced in Test Center

Laden Sie PEGACLSA_6.2V2 Übungstest und aktuelle Fragen herunter - easy finanz | easyfinanz

Certified Lead System Architect (CLSA) 62V2 dump questions with Latest PEGACLSA_6.2V2 practice questions | https://www.easyfinanz.cc/

Pegasystems PEGACLSA_6.2V2 : Certified Lead System Architect (CLSA) test Dumps

Exam Dumps Organized by Martin Hoax



Latest 2022 Updated Syllabus
PEGACLSA_6.2V2 test Dumps | Latest Braindumps with actual Questions

Real Questions from Latest subjects of PEGACLSA_6.2V2 - Updated Daily - 100% Pass Guarantee



PEGACLSA_6.2V2 demo Questions : Download 100% Free PEGACLSA_6.2V2 test Dumps (PDF and VCE)

Exam Number : PEGACLSA_6.2V2
Exam Name : Certified Lead System Architect (CLSA) 62V2
Vendor Name : Pegasystems
Update : Click Here to Check Latest Update
Question Bank : Check Questions

Cross your PEGACLSA_6.2V2 test within just 24 hours along with killexams.
In killexams.com, they convey thoroughly genuine Pegasystems PEGACLSA_6.2V2 Exam Questions Questions and Responses that are recently needed for typically the Passing PEGACLSA_6.2V2 test. All of us empower individuals to prepare typically the mock test and Certify. It is a superb selection to accelerate your situation like a specialist inside the Industry. PEGACLSA_6.2V2 Latest Topics using VCE training test is the most suitable to get High Score throughout PEGACLSA_6.2V2 exam.

We all, at killexams.com, allow the Latest, Good and 2022 Up-to-date Pegasystems Certified Lead System Architect (CLSA) 62V2 blues that are necessary to breeze by PEGACLSA_6.2V2 check. It is necessary to help support your situation as being an expert within just your association. They are their targeted to assist persons finishing typically the PEGACLSA_6.2V2 check in their initially endeavor. The consequence of their PEGACLSA_6.2V2 PDF Dumps remains at the top continually. Because of companies of PEGACLSA_6.2V2 test queries that believe in their Free test PDF and VCE for their authentic PEGACLSA_6.2V2 check. killexams.com is the most outstanding in Genuine PEGACLSA_6.2V2 check questions. They all keep each of their PEGACLSA_6.2V2 Practice Questions substantial as well as forward-thinking continually. These Certified Lead System Architect (CLSA) 62V2 test blues will ensure to help you out with a finish the test having excellent qualities.

There are many Exam Questions suppliers on the net yet the majority of them are trading obsolete blues. You need to visit the reliable and good PEGACLSA_6.2V2 Practice Questions provider on the net. It is possible that you just research on it is own or believe in at killexams.com. But, remember, your own exploration should not to end up with training in failure and income. They order you to straightforwardly go to killexams.com as well as obtain 100% free PEGACLSA_6.2V2 Questions and Answers as well as assess the instance questions. Hoping you are satisfied, register and obtain a three months record for you to obtain the existing and considerable PEGACLSA_6.2V2 cheat sheet that contains true test queries and responses. Profit Good Discount Coupons. You will need to likewise receive PEGACLSA_6.2V2 VCE test method for your exercising.

Features of Killexams PEGACLSA_6.2V2 cheat sheet
-> Instant PEGACLSA_6.2V2 cheat sheet acquire Access
-> Detailed PEGACLSA_6.2V2 Concerns and Solutions
-> 98% Accomplishment Rate associated with PEGACLSA_6.2V2 test
-> Guaranteed Genuine PEGACLSA_6.2V2 test questions
-> PEGACLSA_6.2V2 Questions Kept up to date on Normal basis.
-> Good and 2022 Updated PEGACLSA_6.2V2 test Places
-> 100% Transportable PEGACLSA_6.2V2 test Files
-> Complete featured PEGACLSA_6.2V2 VCE test Simulator
-> Zero Limit in PEGACLSA_6.2V2 test obtain Gain access to
-> Great Saving coupons
-> 100% Secure obtain Consideration
-> 100% Secrecy Ensured
-> totally Success Warranty
-> 100% Cost-free cheat sheet structure Questions
-> Zero Hidden Expense
-> No Once a month Charges
-> Zero Automatic Consideration Renewal
-> PEGACLSA_6.2V2 test Upgrade Intimation by means of Email
-> Cost-free Technical Support

test Depth at: https://killexams.com/pass4sure/exam-detail/PEGACLSA_6.2V2
Pricing Information at: https://killexams.com/exam-price-comparison/PEGACLSA_6.2V2
See Comprehensive List: https://killexams.com/vendors-exam-list

Lower price Coupon in Full PEGACLSA_6.2V2 cheat sheet Free test PDF;
WC2020: 60% Toned Discount to each test
PROF17: 10% Additional Discount in Value More than $69
DEAL17: 15% Additional Discount in Value More than $99







PEGACLSA_6.2V2 test Format | PEGACLSA_6.2V2 Course Contents | PEGACLSA_6.2V2 Course Outline | PEGACLSA_6.2V2 test Syllabus | PEGACLSA_6.2V2 test Objectives




Killexams Review | Reputation | Testimonials | Feedback


What is PEGACLSA_6.2V2 dumps test and study guide price?
For whole PEGACLSA_6.2V2 profession certifications, there can be a lot of accounts online. However, I was hesitant to apply PEGACLSA_6.2V2 unfastened braindumps as individuals who placed this stuff online do no longer experience any obligation and positioned deceptive information. Thus, I paid for the killexams.com PEGACLSA_6.2V2 questions and addresses and could not be more joyful. They show up with genuine test questions and replies, that is the manner by which it changed for me. I finished the PEGACLSA_6.2V2 test and did not strain about it a crummy part. Extremely cool and trustworthy.


Worried for PEGACLSA_6.2V2 exam? Get this PEGACLSA_6.2V2 question bank.
After some weeks of PEGACLSA_6.2V2 practice test with killexams.com bundle, I passed the PEGACLSA_6.2V2 exam. I must admit, I am relieved to depart it inside the again of, however, satisfied that I discovered killexams.com to help me get via this exam. The mock test they encompass within the package are accurate. The answers were right, and the questions have been taken from the real PEGACLSA_6.2V2 exam, and I got them even as taking the exam. It made things lots less complicated, and I have been given a score higher than I had was hoping for. Huge thanks!


PEGACLSA_6.2V2 actual test questions and answers!
I got Great marks however your gadgets were completely incredible as contrasted with others. I can cross back speedy to buy greater test braindumps. I wanted to mention a debt of gratitude is so as regarding your amazing PEGACLSA_6.2V2 test guide. I took the test this week and finished greatly. Not anything had taught me the brain the way killexams.com mock test did. I answered 90% questions.


Where am i able to obtain PEGACLSA_6.2V2 real test question?
Requesting that my dad assist me with something resembles going into tremendous difficulty and I surely did not have any desire to upset him during my PEGACLSA_6.2V2


Take a smart move to pass PEGACLSA_6.2V2
Being an underneath-average scholar, I was given terrified of the PEGACLSA_6.2V2 test as subjects seemed very tough to me. but passing the test was a need as I had to change the task badly. searched for a clear guide and got one with the dumps. It helped me answer all a couple of kind questions in 200 mins and pass effectively. What an exquisite very & answers, braindumps! satisfied to get hold of two gives from well-known organizations with handsome bundle. I advise most effective killexams.com


Pegasystems Architect study tips



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 test 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 test simulator. Visit Their demo questions and demo brain dumps, their test simulator and you will definitely know that killexams.com is the best brain dumps site.

Is Killexams.com Legit?
Without a doubt, Killexams is completely legit along with fully trusted. There are several includes that makes killexams.com unique and authentic. It provides knowledgeable and completely valid test dumps comprising real exams questions and answers. Price is very low as compared to the majority of the services online. The mock test are up to date on usual basis using most accurate brain dumps. Killexams account method and merchandise delivery is amazingly fast. Document downloading is unlimited and incredibly fast. Support is avaiable via Livechat and Message. These are the characteristics that makes killexams.com a robust website which provide test dumps with real exams questions.



Which is the best braindumps site of 2022?
There are several mock test provider in the market claiming that they provide actual test Questions, Braindumps, Practice Tests, Study Guides, cheat sheet and many other names, but most of them are re-sellers that do not update their contents frequently. Killexams.com is best website of Year 2022 that understands the issue candidates face when they spend their time studying obsolete contents taken from free pdf obtain sites or reseller sites. Thats why killexams.com update test mock test with the same frequency as they are updated in Real Test. test dumps provided by killexams.com are Reliable, Up-to-date and validated by Certified Professionals. They maintain examcollection of valid Questions that is kept up-to-date by checking update on daily basis.

If you want to Pass your test Fast with improvement in your knowledge about latest course contents and subjects of new syllabus, They recommend to obtain PDF test 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 mock test will be provided in your obtain Account. You can obtain Premium test Dumps files as many times as you want, There is no limit.

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




5V0-21.20 study guide | 5V0-62.19 test Braindumps | PSM-I test demo | NS0-175 practice questions | CIPP-US Dumps | 5V0-34.19 braindumps | Servicenow-CIS-VR braindumps | Nonprofit-Cloud-Consultant mock test | NS0-527 questions obtain | CCA175 question test | 2V0-61-19 study guide | 8008 practice questions | HPE6-A72 test prep | A00-211 pass marks | C1000-100 Free PDF | 600-660 boot camp | CCAK test questions | PEGAPCDC80V1 assessment test demo | NSE4_FGT-6.4 test test | Salesforce.Field-Service-Lightning-Consultant free pdf |


PEGACLSA_6.2V2 - Certified Lead System Architect (CLSA) 62V2 certification
PEGACLSA_6.2V2 - Certified Lead System Architect (CLSA) 62V2 information source
PEGACLSA_6.2V2 - Certified Lead System Architect (CLSA) 62V2 tricks
PEGACLSA_6.2V2 - Certified Lead System Architect (CLSA) 62V2 test Cram
PEGACLSA_6.2V2 - Certified Lead System Architect (CLSA) 62V2 test Cram
PEGACLSA_6.2V2 - Certified Lead System Architect (CLSA) 62V2 Cheatsheet
PEGACLSA_6.2V2 - Certified Lead System Architect (CLSA) 62V2 test Questions
PEGACLSA_6.2V2 - Certified Lead System Architect (CLSA) 62V2 test success
PEGACLSA_6.2V2 - Certified Lead System Architect (CLSA) 62V2 test dumps
PEGACLSA_6.2V2 - Certified Lead System Architect (CLSA) 62V2 Free PDF
PEGACLSA_6.2V2 - Certified Lead System Architect (CLSA) 62V2 Question Bank
PEGACLSA_6.2V2 - Certified Lead System Architect (CLSA) 62V2 test contents
PEGACLSA_6.2V2 - Certified Lead System Architect (CLSA) 62V2 guide
PEGACLSA_6.2V2 - Certified Lead System Architect (CLSA) 62V2 Question Bank
PEGACLSA_6.2V2 - Certified Lead System Architect (CLSA) 62V2 learning
PEGACLSA_6.2V2 - Certified Lead System Architect (CLSA) 62V2 actual Questions
PEGACLSA_6.2V2 - Certified Lead System Architect (CLSA) 62V2 real questions
PEGACLSA_6.2V2 - Certified Lead System Architect (CLSA) 62V2 test success
PEGACLSA_6.2V2 - Certified Lead System Architect (CLSA) 62V2 Practice Questions
PEGACLSA_6.2V2 - Certified Lead System Architect (CLSA) 62V2 information source
PEGACLSA_6.2V2 - Certified Lead System Architect (CLSA) 62V2 test success
PEGACLSA_6.2V2 - Certified Lead System Architect (CLSA) 62V2 information hunger
PEGACLSA_6.2V2 - Certified Lead System Architect (CLSA) 62V2 tricks
PEGACLSA_6.2V2 - Certified Lead System Architect (CLSA) 62V2 learn
PEGACLSA_6.2V2 - Certified Lead System Architect (CLSA) 62V2 PDF Questions
PEGACLSA_6.2V2 - Certified Lead System Architect (CLSA) 62V2 PDF Questions
PEGACLSA_6.2V2 - Certified Lead System Architect (CLSA) 62V2 test Cram
PEGACLSA_6.2V2 - Certified Lead System Architect (CLSA) 62V2 guide
PEGACLSA_6.2V2 - Certified Lead System Architect (CLSA) 62V2 testing
PEGACLSA_6.2V2 - Certified Lead System Architect (CLSA) 62V2 test Cram
PEGACLSA_6.2V2 - Certified Lead System Architect (CLSA) 62V2 test format
PEGACLSA_6.2V2 - Certified Lead System Architect (CLSA) 62V2 Test Prep
PEGACLSA_6.2V2 - Certified Lead System Architect (CLSA) 62V2 tricks
PEGACLSA_6.2V2 - Certified Lead System Architect (CLSA) 62V2 test Braindumps
PEGACLSA_6.2V2 - Certified Lead System Architect (CLSA) 62V2 learn
PEGACLSA_6.2V2 - Certified Lead System Architect (CLSA) 62V2 syllabus
PEGACLSA_6.2V2 - Certified Lead System Architect (CLSA) 62V2 learn
PEGACLSA_6.2V2 - Certified Lead System Architect (CLSA) 62V2 test prep
PEGACLSA_6.2V2 - Certified Lead System Architect (CLSA) 62V2 Latest Questions
PEGACLSA_6.2V2 - Certified Lead System Architect (CLSA) 62V2 test prep
PEGACLSA_6.2V2 - Certified Lead System Architect (CLSA) 62V2 test format
PEGACLSA_6.2V2 - Certified Lead System Architect (CLSA) 62V2 Free PDF
PEGACLSA_6.2V2 - Certified Lead System Architect (CLSA) 62V2 Practice Questions
PEGACLSA_6.2V2 - Certified Lead System Architect (CLSA) 62V2 actual Questions
PEGACLSA_6.2V2 - Certified Lead System Architect (CLSA) 62V2 test contents
PEGACLSA_6.2V2 - Certified Lead System Architect (CLSA) 62V2 PDF Questions
PEGACLSA_6.2V2 - Certified Lead System Architect (CLSA) 62V2 test Braindumps
PEGACLSA_6.2V2 - Certified Lead System Architect (CLSA) 62V2 actual Questions
PEGACLSA_6.2V2 - Certified Lead System Architect (CLSA) 62V2 test Questions
PEGACLSA_6.2V2 - Certified Lead System Architect (CLSA) 62V2 PDF Questions
PEGACLSA_6.2V2 - Certified Lead System Architect (CLSA) 62V2 information source
PEGACLSA_6.2V2 - Certified Lead System Architect (CLSA) 62V2 Practice Test
PEGACLSA_6.2V2 - Certified Lead System Architect (CLSA) 62V2 PDF Questions


PEGAPCBA86V1 free prep | PEGAPCSSA86V1 english test questions | PEGAPCSA84V1 test Questions | PEGAPCSA87V1 boot camp | PEGAPCSSA85V1 test prep |


Best Certification test Dumps You Ever Experienced


PEGAPCBA86V1 study questions | PEGAPCDC80V1 obtain | PEGACMBB test Braindumps | PEGACSSA practice test | PEGAPCSA84V1 test results | PEGAPCSA87V1 online test | PEGACLSA_6.2V2 practical test | PEGAPCSA80V1_2019 practice test | PEGAPCSSA85V1 test test | PEGACPDC74V1 practice test | PEGACCA test Questions | PEGAPCRSA80V1_2019 practice test | PEGACPBA74V1 study material | PEGACPBA71V1 mock questions | PEGACDA71V1 PDF Braindumps | PEGACSA74V1 brain dumps | PEGACPMC74V1 test questions | PEGACSA72V1 test dumps | PEGACUIS71V1 test prep | PEGAPCSSA80V1_2019 mock test |





References :


https://arfansaleemfan.blogspot.com/2020/07/pegaclsa62v2-certified-lead-system.html
https://www.4shared.com/office/-6yaqru4iq/Certified-Lead-System-Architec.html
https://drp.mk/i/H339ZhtGgG
https://youtu.be/jIBv1OplfjI
https://www.4shared.com/video/taZtiP3Yiq/Certified-Lead-System-Architec.html
http://ge.tt/8nOhVY83
https://www.coursehero.com/file/72871911/Certified-Lead-System-Architect-CLSA-62V2-PEGACLSA-62V2pdf/
http://killexams.decksrusct.com/blog/certification-exam-dumps/pegaclsa_6-2v2-certified-lead-system-architect-clsa-62v2-real-exam-questions-and-answers-by-killexams-com/
https://sites.google.com/view/killexams-pegaclsa6-2v2-pdf-br
https://spaces.hightail.com/space/v47qz1ixkg/files/fi-3c63e54d-01d3-4a2c-8b42-f337c3b17dcf/fv-da8ca152-621a-4f11-9621-10420fb9f5ab/Certified-Lead-System-Architect-CLSA-62V2-(PEGACLSA_6.2V2).pdf#pageThumbnail-1
https://ello.co/killexamz/post/vplfaghmdijjnu6ta0gboa
https://justpaste.it/PEGACLSA_62V2
https://www.instapaper.com/read/1397924591
http://feeds.feedburner.com/TibcoTb0-106DumpsAndPracticeTestsWithRealQuestion
https://files.fm/f/9ffccxwh4



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






Direct Download

PEGACLSA_6.2V2 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.

PEGACLSA_6.2V2 Reviews

100% Valid and Up to Date PEGACLSA_6.2V2 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