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 PEGACPMC84V1?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der PEGACPMC84V1: Certified Pega Marketing Consultant (CPMC) 74V1 84V1 Prüfung.

2023 Updated Actual PEGACPMC84V1 questions as experienced in Test Center

Aktuelle PEGACPMC84V1 Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz

PEGACPMC84V1 VCE exam - Certified Pega Marketing Consultant (CPMC) 74V1 84V1 | https://www.easyfinanz.cc/

Pegasystems PEGACPMC84V1 : Certified Pega Marketing Consultant (CPMC) 74V1 84V1 exam Dumps

Exam Dumps Organized by Richard

Latest 2023 Updated Pegasystems Certified Pega Marketing Consultant (CPMC) 74V1 84V1 Syllabus
PEGACPMC84V1 test questions / Braindumps contains genuine exam Questions

Practice Tests and Free VCE Software - Questions Updated on Daily Basis
Big Discount / Cheapest price & 100% Pass Guarantee

PEGACPMC84V1 Test Center Questions : Download 100% Free PEGACPMC84V1 test questions (PDF and VCE)

Exam Number : PEGACPMC84V1
Exam Name : Certified Pega Marketing Consultant (CPMC) 74V1 84V1
Vendor Name : Pegasystems
Update : Click Here to Check Latest Update
Question Bank : Check Questions

Download PEGACPMC84V1 real questions free and Real Question with Latest Topics
Are you looking for genuine PEGACPMC84V1 Free PDF with valid questions for the Pegasystems Certified Pega Marketing Consultant (CPMC) 74V1 84V1 Exam? They provide recently updated and valid PEGACPMC84V1 Practice Test from genuine PEGACPMC84V1 tests. All you have to do is study and take the exam.

If you're looking to pass the Pegasystems PEGACPMC84V1 exam and secure a higher paying job, then register at killexams.com to get the latest 2023 updated genuine PEGACPMC84V1 questions with special discounts. They have a team of professionals who collect authentic PEGACPMC84V1 exam questions for you to ensure your success. You can get the updated PEGACPMC84V1 exam questions every time with a full refund guarantee. While many companies offer PEGACPMC84V1 dumps, it's important to choose a provider that offers valid and up-to-date 2023 PEGACPMC84V1 dumps. Don't rely on free dumps available online as they may not be reliable.

We offer Real PEGACPMC84V1 test Braindumps in two formats - PEGACPMC84V1 PDF file and PEGACPMC84V1 VCE test simulator. Pass the Pegasystems PEGACPMC84V1 exam quickly and easily with their PEGACPMC84V1 dumps. The PEGACPMC84V1 PDF format can be read on any device and can even be printed to create your own study guide. Their success rate is high at 98.9% and the equivalence rate between their PEGACPMC84V1 study guide and the genuine exam is 98%. If you want to pass the Pegasystems PEGACPMC84V1 exam on your first attempt, take the genuine exam at killexams.com now.

PEGACPMC84V1 exam Format | PEGACPMC84V1 Course Contents | PEGACPMC84V1 Course Outline | PEGACPMC84V1 exam Syllabus | PEGACPMC84V1 exam Objectives

Exam Specification:

- exam Name: Certified Pega Marketing Consultant (CPMC) 74V1 84V1
- exam Code: CPMC 74V1, CPMC 84V1
- exam Duration: Varies (typically around 90-120 minutes)
- exam Format: Multiple-choice questions

Course Outline:

1. Pega Marketing Fundamentals
- Understanding the key concepts and principles of Pega Marketing
- Exploring the Pega Marketing architecture and components
- Configuring channels and touchpoints for marketing campaigns

2. Customer Segmentation and Targeting
- Defining customer segments based on various criteria
- Designing and implementing targeting strategies
- Leveraging predictive analytics for personalized marketing campaigns

3. Marketing Campaign Design and Execution
- Creating marketing campaigns using Pega Marketing tools and features
- Configuring decision strategies and Next-Best-Action recommendations
- Monitoring and measuring the effectiveness of marketing campaigns

4. Omni-channel Marketing and Personalization
- Designing omni-channel marketing experiences
- Implementing personalization techniques for targeted marketing
- Integrating Pega Marketing with other systems and data sources

5. Marketing Analytics and Reporting
- Analyzing marketing data and generating actionable insights
- Creating reports and dashboards to track marketing performance
- Utilizing AI and machine learning for advanced marketing analytics

Exam Objectives:

1. Demonstrate a comprehensive understanding of Pega Marketing concepts, principles, and architecture.
2. Design and implement effective customer segmentation and targeting strategies.
3. Create and execute marketing campaigns using Pega Marketing tools and features.
4. Design omni-channel marketing experiences and implement personalization techniques.
5. Utilize marketing analytics and reporting to measure and optimize marketing performance.

Exam Syllabus:

The exam syllabus covers the following courses (but is not limited to):

- Pega Marketing Fundamentals
- Customer Segmentation and Targeting
- Marketing Campaign Design and Execution
- Omni-channel Marketing and Personalization
- Marketing Analytics and Reporting

Killexams Review | Reputation | Testimonials | Feedback

It is top notch to have PEGACPMC84V1 genuine test questions.
I was in search of EC test questions that would cater to my specific needs and requirements, and that's when I stumbled upon killexams.com. Within a brief period of time, their dumps cleared all my doubts. For the first time in my career, I appeared for the EC exam with the best education dump and managed to succeed with awesome marks. I am certainly glad, and the reason why I am here is to congratulate you on the extraordinary help you provided in the shape of the test material.

Surprised to see PEGACPMC84V1 latest questions in little price.
I wanted to let you know that I passed my PEGACPMC84V1 exam recently with the help of killexams.com's questions answers and exam simulator. I could not have done it without your support, and I am grateful for the useful guidance and tips you provided. The questions in the PEGACPMC84V1 exam were very similar to what I had practiced with killexams.com, which helped me feel confident and prepared.

Updated and real exam latest PEGACPMC84V1 test.
After failing my PEGACPMC84V1 exam twice, I was introduced to killexams.com guarantee and decided to purchase their Questions Answers. The online exam simulator was extremely helpful in training me to solve questions within the time limit. I repeatedly simulated the test, which helped me to remain focused on exam day. Thanks to killexams.com, I am now an IT Certified professional!

It is extraordinary to have PEGACPMC84V1 real exam questions.
I am extremely satisfied with the result of my PEGACPMC84V1 exam. After only 10 days of preparation using killexams.com's package, I was able to score 97%. The exam simulator provided by killexams.com was particularly helpful because it gave me a chance to practice with the look and feel of a real exam. The package is not only a brain dump but also a true study guide, which is hard to find for modern exams.

Little effor required to read PEGACPMC84V1 real Question bank.
After failing the PEGACPMC84V1 exam for the first time, I was about to deliver up, but I found killexams.com online. I could not afford it, but I decided to deliver it a shot anyway. To my surprise, almost every question on the exam was covered in their trial tests. I passed with a 98% score and cannot recommend them enough.

Pegasystems Consultant test


REVEALED: Fury as test and trace consultants paid more than £7,000 a day

Private sector consultants are being paid day rates of around £7,000 by the Government to help with its coronavirus test and trace system, according to reports.

Sky News said it has seen documents revealing Boston Consulting Group (BCG) was paid about £10 million for around 40 consultants to provide four months’ work between the end of April and late August.

The broadcaster said the Department of Health and Social Care (DHSC) received a 10 to 15% discount from BCG, whose day rates for public sector work range from £2,400 to £7,360 for the most senior consultants.

Its report comes amid ongoing criticism of the Government’s £12 billion test and trace system.

The DHSC said efforts to set up NHS Test and Trace required it to work with public and private sector partners, with “every pound spent” going towards keeping people safe and ramping up testing capacity.

But Labour’s shadow health secretary Jonathan Ashworth, responding to the reports, said: “The figures being spent on this broken system are truly shocking.”

He added: “Testing and contact tracing is failing to keep the virus under control, which makes it even more disgraceful that such huge sums of money are being spent on something that isn’t fit for purpose.”

Mr Ashworth reiterated Labour’s call for a “short circuit-break” lockdown to “fix the failing test and trace system and to ultimately save lives”.

READ MORE: Cash-strapped Darlington Council defends £48,000 marketing spend

Raising the consultant payments reports in the Commons, Labour MP Toby Perkins said: “You won’t find dedicated public servants being paid £7,500 a day.”

He added: “But what you will find is a basic competence, a knowledge of their area, a desire to make sure that the systems work before they are implemented.

“And that is what they need right now in their system.”

Meanwhile, Liberal Democrat MP Munira Wilson commented: “Just imagine how far that money would go if it was given to local authorities.

“They are paying these consultants the weekly equivalent of what a nurse earns in a year.”

Major companies such as Deloitte, PwC and BCG have been working on the Government’s response to the Covid-19 pandemic, managing the track and trace system, the purchase of personal protective equipment (PPE) and the search to produce working ventilators.

READ MORE: Two more areas of the north set to be plunged into Tier 3 lockdown

Sky News reported last week that more than a thousand consultants from Deloitte were working on the NHS Test and Trace programme, on day rates of as much as £2,360.

The broadcaster said documents showed the Government had since hired more private sector consultants to work on its Moonshot mass testing programme.

Some 165 consultants were recruited to work on the scheme between now and November, Sky News said.

This includes 84 more from Deloitte, 31 from EY and 50 from KPMG, with a further 42 roles potentially available for consultants.

Tamzen Isacsson, chief executive of the Management Consultancies Association (MCA), said a large number of consultancy firms had been brought in during the pandemic to support “critical government projects”, including NHS Test and Trace.

“The consulting sector has provided multi-disciplinary capabilities and senior experience very quickly to support Government and has helped deal with complex negotiations around data, infrastructure and procurement at pace,” she said.

Ms Isacsson said MCA member firms used by the Government had been procured through “competitively tendered Crown Commercial Service frameworks which evaluate bidding firms against quality and cost criteria”.

Contracts required firms to “upskill civil servants” and “transfer knowledge”, Ms Isacsson.

She added: “We should remember that Government is dealing with an unprecedented volume of workload and major upheaval due to Covid-19 and using external resources has enabled them to work quickly and with intensity in many areas.”

A DHSC spokesperson said: “NHS Test and Trace is the biggest testing system per head of population of all the major countries in Europe.

“It’s processing 270,000 tests a day and nearly 700,000 people who may otherwise have unknowingly been at risk of spreading coronavirus have been contacted.

“To build the largest diagnostic network in British history, it requires us to work with both public and private sector partners with the specialist skills and experience they need.

“Every pound spent is contributing towards their efforts to keep people safe as they ramp up testing capacity to 500,000 tests a day by the end of October.”

BCG declined to comment.

Leading NCIC consultant urges people to complete bowel screening test

A Consultant endoscopist at North Cumbria Integrated Care NHS Trust is encouraging people who have been sent an NHS bowel cancer screening kit to complete the test.

Dr Frank Hinson says the test takes less than a minute and can be lifesaving.

Dr Frank said: “People worry that tests like this may bring them bad news.  However, most people (98.7 per cent) will get a normal result.  Even when the test is positive, less than one in 11 people will have cancer.

“If it is cancer it may be so small that no major surgery will be required.  Even if surgery is required, the chances of a permanent cure are much better when cancer is caught at an early stage.”

And Frank stressed how staff at NCIC are here to help – even if the test is positive.

He said: “We have a great team of friendly nurses and doctors to help people get sorted out if they have a positive test.”

READ MORE: New £3 million school opens its doors in Harraby

Bowel cancer is the fourth most common cancer in the UK and detecting it at the earliest stage makes you up to nine times more likely to be successfully treated.

Compare Test and Trace consultants on £1,100-a-day and the £1,000-a-year rise for those on the living wage

AT the height of the pandemic, it was inevitable that some Government money would be wasted as the country coped with a completely novel situation. In fact, they would want the Government to shoot over the bar, to be trying some promising-looking schemes that turn out not to work in the fullness of time, in its bid to save lives and suppress the virus.

But, however you look at it, spending £37bn on the NHS Test and Trace system, which is 20 per cent of the NHS’ budget, is extraordinary, especially as the system has been spectacularly ineffective. It did not prevent lockdowns two nor three, the results of 86 per cent of the 691m lateral flow tests are unknown – and, most extraordinary of all, the system has failed to reduce its reliance on external consultants paid an average of £1,100-a-day.

Some are on £6,600-a-day.

Compare that to the leaked rise in the living wage, to be announced today, which will deliver a full time worker an extra £1,000-a-year.

Compare that £37bn to the £6.9bn (only £1.5bn of which is genuinely new) which will be announced today for transport spending.

Chancellor Rishi Sunak will, rightly, say today that the finances are tight and he is being as generous as he can in his Budget. How much more generous could he have been if someone in Government had kept Test and Trace on track?


While it is hard job to pick solid certification questions/answers regarding review, reputation and validity since individuals get sham because of picking incorrec service. Killexams.com ensure to serve its customers best to its efforts as for test questions update and validity. Most of other's post false reports with objections about us for the brain dumps bout their customers pass their exams cheerfully and effortlessly. They never bargain on their review, reputation and quality because killexams review, killexams reputation and killexams customer certainty is imperative to us. Extraordinarily they deal with false killexams.com review, killexams.com reputation, killexams.com scam reports. killexams.com trust, killexams.com validity, killexams.com report and killexams.com that are posted by genuine customers is helpful to others. If you see any false report posted by their opponents with the name killexams scam report on web, killexams.com score reports, killexams.com reviews, killexams.com protestation or something like this, simply remember there are constantly terrible individuals harming reputation of good administrations because of their advantages. Most clients that pass their exams utilizing killexams.com brain dumps, killexams PDF questions, killexams practice questions, killexams exam VCE simulator. Visit their example questions and test brain dumps, their exam simulator and you will realize that killexams.com is the best test questions site.

Which is the best dumps website?
Indeed, Killexams is 100 % legit along with fully dependable. There are several characteristics that makes killexams.com unique and reliable. It provides up to date and 100 % valid test questions including real exams questions and answers. Price is very low as compared to most of the services on internet. The Braindumps are updated on usual basis with most recent brain dumps. Killexams account make and merchandise delivery is really fast. Data downloading is actually unlimited and really fast. Assist is avaiable via Livechat and E mail. These are the characteristics that makes killexams.com a strong website that offer test questions 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 2023 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. test 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 test questions 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 Test Center and Enjoy your Success.

101 real questions | MB-700 cheat sheet | 050-710 PDF Questions | JN0-1102 trial test questions | SPLK-1002 trial test | PSPO-II practice exam | NCLEX-PN english test questions | DEA-5TT1 pdf get | DVA-C01 examcollection | MO-100 practical test | A00-280 test exam | Salesforce-Certified-B2C-Commerce-Developer real questions | 500-490 practice questions | ABPN-VNE Latest courses | CSM-001 past bar exams | EADC exam questions | H12-211 exam questions | FPGEE study questions | 2V0-41.20 dumps questions | CAT-120 cram |

PEGACPMC84V1 - Certified Pega Marketing Consultant (CPMC) 74V1 84V1 exam Questions
PEGACPMC84V1 - Certified Pega Marketing Consultant (CPMC) 74V1 84V1 exam dumps
PEGACPMC84V1 - Certified Pega Marketing Consultant (CPMC) 74V1 84V1 Dumps
PEGACPMC84V1 - Certified Pega Marketing Consultant (CPMC) 74V1 84V1 test prep
PEGACPMC84V1 - Certified Pega Marketing Consultant (CPMC) 74V1 84V1 Test Prep
PEGACPMC84V1 - Certified Pega Marketing Consultant (CPMC) 74V1 84V1 Study Guide
PEGACPMC84V1 - Certified Pega Marketing Consultant (CPMC) 74V1 84V1 boot camp
PEGACPMC84V1 - Certified Pega Marketing Consultant (CPMC) 74V1 84V1 exam Questions
PEGACPMC84V1 - Certified Pega Marketing Consultant (CPMC) 74V1 84V1 braindumps
PEGACPMC84V1 - Certified Pega Marketing Consultant (CPMC) 74V1 84V1 education
PEGACPMC84V1 - Certified Pega Marketing Consultant (CPMC) 74V1 84V1 Practice Test
PEGACPMC84V1 - Certified Pega Marketing Consultant (CPMC) 74V1 84V1 Latest Questions
PEGACPMC84V1 - Certified Pega Marketing Consultant (CPMC) 74V1 84V1 Practice Test
PEGACPMC84V1 - Certified Pega Marketing Consultant (CPMC) 74V1 84V1 boot camp
PEGACPMC84V1 - Certified Pega Marketing Consultant (CPMC) 74V1 84V1 PDF Download
PEGACPMC84V1 - Certified Pega Marketing Consultant (CPMC) 74V1 84V1 PDF Dumps
PEGACPMC84V1 - Certified Pega Marketing Consultant (CPMC) 74V1 84V1 certification
PEGACPMC84V1 - Certified Pega Marketing Consultant (CPMC) 74V1 84V1 Questions and Answers
PEGACPMC84V1 - Certified Pega Marketing Consultant (CPMC) 74V1 84V1 braindumps
PEGACPMC84V1 - Certified Pega Marketing Consultant (CPMC) 74V1 84V1 book
PEGACPMC84V1 - Certified Pega Marketing Consultant (CPMC) 74V1 84V1 test
PEGACPMC84V1 - Certified Pega Marketing Consultant (CPMC) 74V1 84V1 exam syllabus
PEGACPMC84V1 - Certified Pega Marketing Consultant (CPMC) 74V1 84V1 exam dumps
PEGACPMC84V1 - Certified Pega Marketing Consultant (CPMC) 74V1 84V1 PDF Braindumps
PEGACPMC84V1 - Certified Pega Marketing Consultant (CPMC) 74V1 84V1 exam Cram
PEGACPMC84V1 - Certified Pega Marketing Consultant (CPMC) 74V1 84V1 study help
PEGACPMC84V1 - Certified Pega Marketing Consultant (CPMC) 74V1 84V1 study help
PEGACPMC84V1 - Certified Pega Marketing Consultant (CPMC) 74V1 84V1 information source
PEGACPMC84V1 - Certified Pega Marketing Consultant (CPMC) 74V1 84V1 braindumps
PEGACPMC84V1 - Certified Pega Marketing Consultant (CPMC) 74V1 84V1 exam dumps
PEGACPMC84V1 - Certified Pega Marketing Consultant (CPMC) 74V1 84V1 PDF Braindumps
PEGACPMC84V1 - Certified Pega Marketing Consultant (CPMC) 74V1 84V1 answers
PEGACPMC84V1 - Certified Pega Marketing Consultant (CPMC) 74V1 84V1 exam success
PEGACPMC84V1 - Certified Pega Marketing Consultant (CPMC) 74V1 84V1 information source
PEGACPMC84V1 - Certified Pega Marketing Consultant (CPMC) 74V1 84V1 Practice Questions
PEGACPMC84V1 - Certified Pega Marketing Consultant (CPMC) 74V1 84V1 Questions and Answers
PEGACPMC84V1 - Certified Pega Marketing Consultant (CPMC) 74V1 84V1 Free exam PDF
PEGACPMC84V1 - Certified Pega Marketing Consultant (CPMC) 74V1 84V1 exam Braindumps
PEGACPMC84V1 - Certified Pega Marketing Consultant (CPMC) 74V1 84V1 Dumps
PEGACPMC84V1 - Certified Pega Marketing Consultant (CPMC) 74V1 84V1 Test Prep
PEGACPMC84V1 - Certified Pega Marketing Consultant (CPMC) 74V1 84V1 Practice Questions
PEGACPMC84V1 - Certified Pega Marketing Consultant (CPMC) 74V1 84V1 information source
PEGACPMC84V1 - Certified Pega Marketing Consultant (CPMC) 74V1 84V1 test prep
PEGACPMC84V1 - Certified Pega Marketing Consultant (CPMC) 74V1 84V1 study help

Other Pegasystems exam Dumps

PEGAPCSSA86V1 mock exam | PEGAPCRSA80V1_2019 practice exam | PEGAPCSSA87V1 practice questions | PEGACPMC84V1 online exam | PEGAPCSA87V1 trial test questions | PEGACPDC88V1 dumps questions | PEGACPBA86V1 exam results | PEGAPCSA85V1 test prep | PEGAPCLSA86V2 test practice | PEGAPCSSA85V1 Practice Test |

Best test questions You Ever Experienced

PgMP practice test | NS0-593 trial test | OG0-093 assessment test sample | FML-5.3.8 training material | PDDM trial questions | ACA-Developer free pdf download | ISTQB-Advanced-Level-3 writing test questions | AAMA-CMA past exams | CSSGB Questions and Answers | 350-601 free pdf | 050-ENVCSE01 download | IIA-CIA-Part3-3P free exam papers | 78201X study guide | 2V0-41.20 Test Prep | 4A0-M02 free pdf | 4A0-104 PDF Download | DES-9131 model question | CoreSpringV3.2 dumps | CCSA real questions | NET test sample |

References :

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

Direct Download

PEGACPMC84V1 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.

PEGACPMC84V1 Reviews

100% Valid and Up to Date PEGACPMC84V1 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 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.


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:


  • 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


  • 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