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 PEGACSA74V1?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der PEGACSA74V1: Certified System Architect (CSA) 74V1 Prüfung.

2022 Updated Actual PEGACSA74V1 questions as experienced in Test Center

Laden Sie PEGACSA74V1 Übungstest und aktuelle Fragen herunter | easyfinanz

Certified System Architect (CSA) 74V1 real questions with Latest PEGACSA74V1 practice tests | https://www.easyfinanz.cc/

Pegasystems PEGACSA74V1 : Certified System Architect (CSA) 74V1 test Dumps

Exam Dumps Organized by Richard



Latest 2022 Updated Syllabus
PEGACSA74V1 test Dumps | Latest Braindumps with real Questions

Real Questions from Latest subjects of PEGACSA74V1 - Updated Daily - 100% Pass Guarantee



PEGACSA74V1 sample Questions : Download 100% Free PEGACSA74V1 test Dumps (PDF and VCE)

Exam Number : PEGACSA74V1
Exam Name : Certified System Architect (CSA) 74V1
Vendor Name : Pegasystems
Update : Click Here to Check Latest Update
Question Bank : Check Questions

Free blues of PEGACSA74V1 test queries available at killexams. com
killexams.com PEGACSA74V1 Test Prep involves a thorough Pool involving PEGACSA74V1 Problems and Solutions having Exam Questions validated and approved in addition to personal references and explanations. Much of their objectives to train the PEGACSA74V1 Questions and even Answers is just not merely to pass typically the PEGACSA74V1 test in typically the 1st attempt although Really Increase your current Information about typically the PEGACSA74V1 test things.

You are going to really shocked by finding their PEGACSA74V1 test questions on the real Certified System Architect (CSA) 74V1 test screen. You are going to please to consider that, You will have high report in PEGACSA74V1 test mainly because, you commited to memory all the replies. You have applied with VCE test sim. They have finish course of PEGACSA74V1 cheat sheet which can be downloaded after you register in killexams.com and opt for the PEGACSA74V1 test to get. With a a few months future no cost updates regarding PEGACSA74V1 exam, you can prepare your real PEGACSA74V1 test within which period. In case you still do dissatisfied, just expand your PEGACSA74V1 obtain accounts validity. Although keep of their team. Many of us update PEGACSA74V1 questions when they are transformed in true PEGACSA74V1 exam. This is the reason many of us always offer valid or more to date PEGACSA74V1 PDF Download on a regular basis. Just purpose your next accreditation test as well as apply to get your duplicate of PEGACSA74V1 Study Guide.

If you take a look at on internet intended for PEGACSA74V1 Study Guide, you will notice that most of internet sites are selling out of date Latest Topics together with updated keyword phrases. This will come to be very upsetting if you turn to these Latest Topics. There are many cheap vendors on internet which obtain no cost PEGACSA74V1 ELECTRONICO from internet promote in inexpensive price. You are going to waste a large amount of money after you compromise with that low cost fee intended for PEGACSA74V1 Study Guide. Many of us always manual applicant into the right course. Do not preserve that minor money as well as take large risk of not being able exam. Just simply choose genuine and genuine PEGACSA74V1 Study Guide provider as well as obtain current and legitimate copy regarding PEGACSA74V1 real test inquiries. They say yes to killexams.com as excellent provider regarding PEGACSA74V1 Exam dumps that will be your daily life saving decision. It will help save from large amount of complications as well as danger regarding choose negative Latest Topics service provider. It will provide you trustworthy, authorised, valid, current and trusted PEGACSA74V1 Study Guide that will go a long way in real PEGACSA74V1 exam. Next time, you do not hanging around as well as search on online, you will right come to killexams.com for ones future accreditation guides.

Should you be really concerned about the PEGACSA74V1 test deposits. You should simply obtain PEGACSA74V1 Exam Questions via killexams.com. It will help save from large amount of difficulties. Much more your notion about PEGACSA74V1 objectives clear and make you actually confident to manage the real PEGACSA74V1 exam. Choose a own paperwork. You will see that many questions can look very easy to reply, but when you will endeavor at VCE test sim, you will see that you actually answer these wrong. It is just because, people are challenging questions. Pegasystems specialists produce such questions that appears very simple although actually you will discover lot of strategy inside the issue. They last understand people questions by using their PEGACSA74V1 questions as well as answers. All of their VCE test simulator will let you memorize as well as understand large amount of such inquiries. When you will certainly answer people PEGACSA74V1 Study Guide again and again, your personal concepts are going to be crystal clear and you will probably not befuddle when Pegasystems change people questions to be certain techniques. Some of the ways they support candidates go their test at first try by basically boosting upward their information about PEGACSA74V1 aims.

Features of Killexams PEGACSA74V1 Study Guide
-> PEGACSA74V1 Study Guide obtain Easy access in just a few min.
-> Finish PEGACSA74V1 Inquiries Bank
-> PEGACSA74V1 test Good results certain
-> Secured real PEGACSA74V1 test questions
-> Latest as well as 2022 up to date PEGACSA74V1 Inquiries and Responses
-> Latest 2022 PEGACSA74V1 Syllabus
-> obtain PEGACSA74V1 test Data files anywhere
-> Limitless PEGACSA74V1 VCE test Sim Access
-> Not any Limit with PEGACSA74V1 test obtain
-> Wonderful Discount Coupons
-> totally Secure Obtain
-> 100% Private.
-> 100% No cost Exam Questions structure Questions
-> Not any Hidden Expense
-> No Month-to-month Subscription
-> Not any Auto Repair
-> PEGACSA74V1 test Update Appel by E mail
-> Free Tech support team

test Detail in: https://killexams.com/pass4sure/exam-detail/PEGACSA74V1 Rates Details in: https://killexams.com/exam-price-comparison/PEGACSA74V1 Notice Complete Checklist: https://killexams.com/vendors-exam-list

Discounted Coupon with Full PEGACSA74V1 Free test PDF inquiries;
WC2020: 60 per cent Flat Discounted on each test
PROF17: 10% Further Discounted on Worth Greater than $69
DEAL17: 15% Further Discounted on Worth Greater than 99 dollars







PEGACSA74V1 test Format | PEGACSA74V1 Course Contents | PEGACSA74V1 Course Outline | PEGACSA74V1 test Syllabus | PEGACSA74V1 test Objectives




Killexams Review | Reputation | Testimonials | Feedback


It is unbelieveable questions for PEGACSA74V1 test.
killexams.com is sincerely right. This test is not clean in any respect, however, I was given the pinnacle score of 100%. The PEGACSA74V1 study guide includes the PEGACSA74V1 real test questions, today's updates, and greater. so that you memorize what you need to know and do not waste a while on unnecessary matters that just divert your attention from what surely needs to be learned. I used their PEGACSA74V1 test simulator loads, so I felt very assured on the test day. Now every satisfied that I decided to buy this PEGACSA74V1 test that is super investment in my career, I additionally positioned my marks on my resume and Linkedin profile, this is a notable popularity booster.


Actual PEGACSA74V1 test questions to pass at first strive.
Very splendid PEGACSA74V1 test education questions answers, I passed PEGACSA74V1 test this month. killexams.com could be very reliable. I did not assume that braindumps need to get you this excessive, but now that I have passed my PEGACSA74V1 exam, I take into account that killexams.com is greater than a dump. killexams.com offers you what you want to pass your PEGACSA74V1 test and additionally allows you to analyze matters you will in all likelihood want. Yet, it offers you the simplest what you need to recognize, saving it gradually and strength. I have passed PEGACSA74V1 test and now recommend killexams.com to anyone out there.


No waste of time on searhching internet! determined precise source of PEGACSA74V1 Questions and Answers.
killexams.com provided me with valid test questions and answers. Everything turned into correct and real, so I had no trouble passing this exam, even though I did not spend that a whole lot of time analyzing. Even if you have a completely simple know-how of PEGACSA74V1 test and services, you could pull it off with this package. I was a touch pressured in basic terms due to the big quantity of information, however as I saved going through the questions, matters started out falling into area, and my confusion disappeared. All in all, I had an awesome experience with Killexams, and hope that so will you.


Is there a way to pass PEGACSA74V1 test on the begin attempt?
Hi, I had signed up for PEGACSA74V1. Though I had studied all chapters intensive, however, your question bank provided enough training. I passed this test with 99 % yesterday, Thanks lots for the point question bank. Even my doubts were clarified in minimum time. I desire to use your carrier in the future correctly. You men are doing a top-notch process. Thanks and Regards.


These PEGACSA74V1 up to date dumps works in the real test.
Before discovering this extremely good killexams.com, I become positive about the capabilities of the net. Once I made an account here I saw an entirely new world and that was the beginning of my hit streak. To get fully organized for my PEGACSA74V1 exams, I was given several test questions/answers and a fixed sample to comply with which became very particular and complete. This assisted me in achieving success in my PEGACSA74V1 test which turned into an extremely good feat. Thanks a lot for that.


Pegasystems Architect tricks

Obviously it is hard task to pick solid certification Braindumps concerning review, reputation and validity since individuals get scam because of picking bad service. Killexams.com ensure to serve its customers best to its value concerning test dumps update and validity. The vast majority of customers scam by resellers come to us for the test dumps and pass their exams cheerfully and effectively. They never trade off on their review, reputation and quality because killexams review, killexams reputation and killexams customer certainty is vital to us. Specially they deal with killexams.com review, killexams.com reputation, killexams.com scam report grievance, killexams.com trust, killexams.com validity, killexams.com report. In the event that you see any false report posted by their competitors with the name killexams scam report, killexams.com failing report, killexams.com scam or something like this, simply remember there are several terrible individuals harming reputation of good administrations because of their advantages. There are a great many successful clients that pass their exams utilizing killexams.com test dumps, killexams PDF questions, killexams questions bank, killexams VCE test simulator. Visit their specimen questions and test test dumps, their test simulator and you will realize that killexams.com is the best brain dumps site.

Is Killexams.com Legit?
Absolutely yes, Killexams is fully legit and also fully trusted. There are several benefits that makes killexams.com genuine and reliable. It provides latest and fully valid test dumps that contain real exams questions and answers. Price is very low as compared to almost all of the services online. The Braindumps are up graded on typical basis with most latest brain dumps. Killexams account setup and product delivery is really fast. Record downloading is certainly unlimited and incredibly fast. Aid is avaiable via Livechat and Netmail. These are the features that makes killexams.com a strong website which provide test dumps with real exams questions.



Which is the best braindumps site of 2022?
There are several Braindumps provider in the market claiming that they provide real 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 Braindumps 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 question bank 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 real 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 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 questions 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 real Test. Go register for Test in Test Center and Enjoy your Success.




5V0-21.20 braindumps | PEGAPCSSA86V1 PDF Dumps | CCA175 Study Guide | RACP cram | CRT-251 test questions | MB-910 brain dumps | PSM-I questions answers | H31-611 test practice | MB-210 practice questions | 75940X pass test | CHAD test prep | Google-PCD sample test questions | PEGAPCSSA80V1_2019 dump | 5V0-61.19 test papers | 300-710 free pdf | 600-455 free online test | VCS-260 test example | ITIL-Practitioner test Questions | 4A0-100 real questions | ASVAB-Assembling-Objects PDF Questions |


PEGACSA74V1 - Certified System Architect (CSA) 74V1 answers
PEGACSA74V1 - Certified System Architect (CSA) 74V1 Practice Test
PEGACSA74V1 - Certified System Architect (CSA) 74V1 course outline
PEGACSA74V1 - Certified System Architect (CSA) 74V1 Practice Questions
PEGACSA74V1 - Certified System Architect (CSA) 74V1 syllabus
PEGACSA74V1 - Certified System Architect (CSA) 74V1 tricks
PEGACSA74V1 - Certified System Architect (CSA) 74V1 braindumps
PEGACSA74V1 - Certified System Architect (CSA) 74V1 test contents
PEGACSA74V1 - Certified System Architect (CSA) 74V1 PDF Download
PEGACSA74V1 - Certified System Architect (CSA) 74V1 Questions and Answers
PEGACSA74V1 - Certified System Architect (CSA) 74V1 test
PEGACSA74V1 - Certified System Architect (CSA) 74V1 dumps
PEGACSA74V1 - Certified System Architect (CSA) 74V1 test success
PEGACSA74V1 - Certified System Architect (CSA) 74V1 braindumps
PEGACSA74V1 - Certified System Architect (CSA) 74V1 Dumps
PEGACSA74V1 - Certified System Architect (CSA) 74V1 answers
PEGACSA74V1 - Certified System Architect (CSA) 74V1 study help
PEGACSA74V1 - Certified System Architect (CSA) 74V1 Free test PDF
PEGACSA74V1 - Certified System Architect (CSA) 74V1 information source
PEGACSA74V1 - Certified System Architect (CSA) 74V1 techniques
PEGACSA74V1 - Certified System Architect (CSA) 74V1 cheat sheet
PEGACSA74V1 - Certified System Architect (CSA) 74V1 Real test Questions
PEGACSA74V1 - Certified System Architect (CSA) 74V1 guide
PEGACSA74V1 - Certified System Architect (CSA) 74V1 teaching
PEGACSA74V1 - Certified System Architect (CSA) 74V1 questions
PEGACSA74V1 - Certified System Architect (CSA) 74V1 boot camp
PEGACSA74V1 - Certified System Architect (CSA) 74V1 Practice Test
PEGACSA74V1 - Certified System Architect (CSA) 74V1 guide
PEGACSA74V1 - Certified System Architect (CSA) 74V1 Dumps
PEGACSA74V1 - Certified System Architect (CSA) 74V1 techniques
PEGACSA74V1 - Certified System Architect (CSA) 74V1 test syllabus
PEGACSA74V1 - Certified System Architect (CSA) 74V1 PDF Download
PEGACSA74V1 - Certified System Architect (CSA) 74V1 real questions
PEGACSA74V1 - Certified System Architect (CSA) 74V1 test Cram
PEGACSA74V1 - Certified System Architect (CSA) 74V1 Test Prep
PEGACSA74V1 - Certified System Architect (CSA) 74V1 Real test Questions
PEGACSA74V1 - Certified System Architect (CSA) 74V1 exam
PEGACSA74V1 - Certified System Architect (CSA) 74V1 braindumps
PEGACSA74V1 - Certified System Architect (CSA) 74V1 questions
PEGACSA74V1 - Certified System Architect (CSA) 74V1 course outline
PEGACSA74V1 - Certified System Architect (CSA) 74V1 test Questions
PEGACSA74V1 - Certified System Architect (CSA) 74V1 cheat sheet
PEGACSA74V1 - Certified System Architect (CSA) 74V1 Practice Test
PEGACSA74V1 - Certified System Architect (CSA) 74V1 information hunger
PEGACSA74V1 - Certified System Architect (CSA) 74V1 cheat sheet
PEGACSA74V1 - Certified System Architect (CSA) 74V1 Study Guide
PEGACSA74V1 - Certified System Architect (CSA) 74V1 real questions
PEGACSA74V1 - Certified System Architect (CSA) 74V1 tricks
PEGACSA74V1 - Certified System Architect (CSA) 74V1 real questions
PEGACSA74V1 - Certified System Architect (CSA) 74V1 information hunger
PEGACSA74V1 - Certified System Architect (CSA) 74V1 Study Guide
PEGACSA74V1 - Certified System Architect (CSA) 74V1 Study Guide
PEGACSA74V1 - Certified System Architect (CSA) 74V1 PDF Dumps


PEGAPCBA86V1 past exams | PEGAPCSSA85V1 Latest Questions | PEGAPCSA87V1 past bar exams | PEGAPCSSA86V1 question bank | PEGAPCSA84V1 pass marks |


Best Certification test Dumps You Ever Experienced


PEGACUIS71V1 free test papers | PEGAPCSA87V1 question bank | PEGACRSA80V1 test Questions | PEGAPCSSA80V1_2019 test questions | PEGACSA72V1 practice test | PEGACBA001 Braindumps | PEGAPCSA85V1 test preparation | PEGACSSA Latest subjects | PEGACPMC74V1 Practice Questions | PEGACSA74V1 practice test | PEGAPCDC80V1 braindumps | PEGACPBA73V1 Real test Questions | PEGACMBB sample test questions | PEGAPCSSA86V1 Latest Questions | PEGACSA english test questions | PEGACLSA_6.2V2 study guide | PEGACSA71V1 PDF Dumps | PEGACPDC74V1 free pdf | PEGACPBA74V1 test tips | PEGAPCSSA85V1 VCE |





References :


https://www.instapaper.com/read/1318715496
http://killexams-braindumps.blogspot.com/2020/07/exactly-same-pegacsa74v1-real-questions.html
https://killexams-posting.dropmark.com/817438/23769079
https://www.4shared.com/video/d-LxljV4iq/Certified-System-Architect-CSA.html
https://www.4shared.com/office/1H27Oft-ea/Certified-System-Architect-CSA.html
https://spaces.hightail.com/space/v47qz1ixkg/files/fi-3ffc18c8-f75d-4baa-b5e1-8ce767522125/fv-a9f1489e-4603-47b0-8d6c-7ab45baec8b9/Certified-System-Architect-CSA-74V1-(PEGACSA74V1).pdf#pageThumbnail-1
http://ge.tt/4lUduO83
http://feeds.feedburner.com/000-180DumpsAndPracticeProgrammingWithRealQuestion
https://www.clipsharelive.com/video/4618/pegacsa74v1-certified-system-architect-csa-74v1-2020-update-question-bank-by-killexams-com
http://killexamstestprep.blogdigy.com/pegacsa74v1-certified-system-architect-csa-74v1-practice-test-with-real-question-by-killexams-com-11399829
https://justpaste.it/PEGACSA74V1
https://www.coursehero.com/file/79413404/Certified-System-Architect-CSA-74V1-PEGACSA74V1pdf/
https://sites.google.com/view/killexams-pegacsa74v1-exam-que
https://ello.co/killexamz/post/pw4r3bpdpqq4yhekfawfrq
http://killexams.decksrusct.com/blog/certification-exam-dumps/pegacsa74v1-certified-system-architect-csa-74v1-2021-updated-dumps-by-killexams-com/
https://files.fm/f/gfsgmpq9y



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






Direct Download

PEGACSA74V1 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.

PEGACSA74V1 Reviews

100% Valid and Up to Date PEGACSA74V1 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