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 PEGAPCSA87V1?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der PEGAPCSA87V1: Pega Certified System Architect (PCSA) 87V1 Prüfung.

2025 Updated Actual PEGAPCSA87V1 questions as experienced in Test Center

Aktuelle PEGAPCSA87V1 Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz

Pegasystems PEGAPCSA87V1 : Pega Certified System Architect (PCSA) 87V1 Practice Tests

Practice Tests Organized by Lee



Latest 2025 Updated Pegasystems Pega Certified System Architect (PCSA) 87V1 Syllabus
PEGAPCSA87V1 examcollection with Premium PDF and Test Engine

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




PEGAPCSA87V1 examcollection : Download 100% Free PEGAPCSA87V1 practice tests (PDF and VCE)

Exam Number : PEGAPCSA87V1
Exam Name : Pega Certified System Architect (PCSA) 87V1
Vendor Name : Pegasystems
Update : Click Here to Check Latest Update
Question Bank : Check Questions

Memorize these PEGAPCSA87V1 Free test PDF, you will get 100% marks.
Merely studying and memorizing PEGAPCSA87V1 Question Bank continuously is insufficient to achieve top scores in the PEGAPCSA87V1 examination. To certain success, candidates can access PEGAPCSA87V1 exam simulator software from killexams.com. You can obtain completely free practice test software samples before purchasing the full version of PEGAPCSA87V1 Cram Guide. Decide if you are ready to tackle the actual PEGAPCSA87V1 exam. Review the PDF and Exam Questions using their VCE examination simulator for optimal preparation.

Elevate your career prospects by conquering the Pegasystems PEGAPCSA87V1 exam; killexams.com is your essential partner for unparalleled success. Their dedicated team of experts works diligently to meticulously gather authentic PEGAPCSA87V1 test questions, ensuring you will breeze through the PEGAPCSA87V1 test with confidence. Moreover, you can obtain updated PEGAPCSA87V1 test questions for free, with convenient access every time.

While many organizations offer PEGAPCSA87V1 Practice Questions, the challenge of securing a valid and up-to-date PEGAPCSA87V1 Latest Questions remains a significant concern. Therefore, it is crucial to thoroughly evaluate killexams.com before relying on freely available PEGAPCSA87V1 PDF Download found across the web.

Killexams.com delivers premium PEGAPCSA87V1 Exam Cram, incorporating all the latest updates and changes implemented in PEGAPCSA87V1 in 2025. With their cutting-edge Exam Cram, you can certain your success in the actual PEGAPCSA87V1 exam. They highly recommend thoroughly reviewing the complete examcollection at least once before attempting the official test. This strategic practice not only enables candidates to effectively utilize their PEGAPCSA87V1 Free test PDF but also significantly enhances their knowledge, transforming them into experts in their field.

The killexams PEGAPCSA87V1 Practice Questions is engineered with distinctive features that set it apart. Their Practice Questions provides accurate and Checked questions and answers, backed by a money-back certain should a candidate not pass the exam. They also offer a demo version of their Practice Questions, empowering candidates to thoroughly evaluate the product before making a purchase. Furthermore, their Practice Questions is user-friendly, with questions meticulously designed to mirror the actual test pattern, ensuring an authentic preparation experience.







PEGAPCSA87V1 test Format | PEGAPCSA87V1 Course Contents | PEGAPCSA87V1 Course Outline | PEGAPCSA87V1 test Syllabus | PEGAPCSA87V1 test Objectives


Title: Pega Certified System Architect (PCSA) 87V1 (PEGAPCSA87V1)

Test Detail:
The Pega Certified System Architect (PCSA) 87V1 test is designed to validate the knowledge and skills required to design and build Pega applications. This certification is intended for professionals who have a strong understanding of Pega's platform and capabilities.

Course Outline:
The Pega Certified System Architect (PCSA) 87V1 course provides participants with the necessary knowledge and practical skills to design and develop Pega applications. The following is a general outline of the key areas covered in the certification program:

1. Introduction to Pega Platform:
- Overview of the Pega Platform and its features
- Understanding the key components of Pega applications
- Familiarizing with the Pega development environment and tools

2. Pega Application Development:
- Designing and building case types and data models
- Configuring user interfaces and portals
- Implementing business rules and decision logic

3. Application Design and Architecture:
- Designing the application layer and data model
- Implementing integration services and connectors
- Understanding security and access control in Pega applications

4. Case Management and Processes:
- Designing and implementing case types and stages
- Managing case lifecycles and workflows
- Configuring business processes and decision strategies

5. User Experience and UI Design:
- Designing and customizing user interfaces using Pega's UI tools
- Implementing responsive design and mobile optimization
- Enhancing user experience through personalized features and dashboards

6. Testing, Debugging, and Deployment:
- Implementing testing strategies for Pega applications
- Using debugging tools to troubleshoot and optimize applications
- Deploying and managing Pega applications in different environments

Exam Objectives:
The Pega Certified System Architect (PCSA) 87V1 test assesses candidates' knowledge and skills in designing and building Pega applications. The test objectives include, but are not limited to:

1. Understanding the Pega Platform and its key components.
2. Designing and developing case types, data models, and user interfaces.
3. Configuring business rules, decision logic, and integration services.
4. Designing application architecture and implementing security measures.
5. Managing case lifecycles, workflows, and business processes.
6. Designing and customizing user experiences and interfaces.
7. Testing, debugging, and deploying Pega applications.

Syllabus:
The Pega Certified System Architect (PCSA) 87V1 certification program typically includes comprehensive training provided by Pegasystems or authorized training partners. The syllabus provides a breakdown of the syllabus covered throughout the course, including specific learning objectives and milestones. The syllabus may include the following components:

- Introduction to Pega Certified System Architect (PCSA) 87V1 test overview
- Introduction to Pega Platform and its key components
- Pega Application Development
- Application Design and Architecture
- Case Management and Processes
- User Experience and UI Design
- Testing, Debugging, and Deployment
- test Preparation and Practice Tests
- Final Pega Certified System Architect (PCSA) 87V1 Certification Exam



Killexams Review | Reputation | Testimonials | Feedback


Little effort yields massive output—excellent questions and answers.
Choosing Killexams.com for my PEGAPCSA87V1 test preparation was a fantastic decision. The high-quality testprep materials enabled me to achieve a remarkable 92% score. The simplified format and clear explanations helped me grasp key concepts quickly, and I am grateful for their role in advancing my career to new heights.


It's a great idea to study real test questions for the PEGAPCSA87V1 exam.
After researching the PEGAPCSA87V1 test and considering it, I feel that I made the right choice in taking it. With the help of Killexams.com practice tests, I was able to pass the test with an impressive 89% mark, which has opened up several job opportunities for me. I am grateful to Killexams.com for helping me Excellerate my knowledge and achieve this success.


I want the real test questions for the PEGAPCSA87V1 exam.
I am thrilled to have scored 97% on my PEGAPCSA87V1 exam, thanks to killexams.com’s exceptional practice tests. After struggling with dense study materials and feeling lost, I turned to their straightforward questions and answers, which clarified even the most complex topics. The practice tests were well-designed, covering all critical areas and preparing me thoroughly for the exam. Killexams.com’s user-friendly platform and effective resources exceeded my expectations, and I am grateful for their outstanding support.


I found an accurate source for real PEGAPCSA87V1 Practice Tests.
Struggling with PEGAPCSA87V1 test preparation, I turned to killexams.com for their reliable testprep materials. Their up-to-date and relevant mock test made the challenging test manageable, leading to a remarkable score. I am impressed by their dedication to quality and grateful for their support in my success.


It is a great resource to find PEGAPCSA87V1 practice test materials.
Killexams.com is a must for anyone preparing for certification exams. Their PEGAPCSA87V1 materials—PDFs, practice tests, and guides—are tailored for success. As someone who couldn’t commit to full-time courses, I found their resources indispensable. Now, I rank among the top performers in my field.


Pegasystems (PCSA) guide

PEGAPCSA87V1 Exam

User: Ammar*****

I am grateful to the Killexams.com team for their comprehensive practice question bank, which helped me pass the pegapcsa87v1 test with 73% marks. Their mock tests and detailed explanations were invaluable, and I plan to use their resources for future certifications.
User: Laura*****

As a working mom with limited time, killexams.com’s practice tests were a perfect fit for my PEGAPCSA87V1 test preparation. After two weeks, I scored 97%, thanks to their authentic materials and my parents’ support in arranging them.
User: Ruston*****

With little time left before my PEGAPCSA87V1 exam, I was panicking after relying on ineffective materials. Killexams.com’s comprehensive testprep resources for the Pegasystems test saved me, providing everything needed to achieve a strong score and pass with confidence.
User: Youssef*****

I also used Killexams.com for my pegapcsa87v1 test and passed with a high score. Their real test mock test were accurate and up-to-date, and the updated practice tests were invaluable. I trusted Killexams.com, and it was absolutely the right choice. I highly recommend it to anyone in need of reliable test preparation materials.
User: Melana*****

After delaying my PEGAPCSA87V1 test due to work, Killexams.com’s mock test motivated me to finally take it. Their program clarified all my doubts, and I passed with 97%. Their support was outstanding.

PEGAPCSA87V1 Exam

Question: I want to pass complete certification track. Will I get special discount?
Answer: Yes, you will get an extra discount if you buy a complete certification track. If there will be several exams in the certification track, you will get a special discount on purchasing a complete certification track. Visit https://killexams.com/certification-tracks for all the certification tracks. If you do not find your required track, you can choose the exams individually for the complete track and get the certification track discount.
Question: Do killexams test simulator provide test history?
Answer: Yes, killexams save your history. You can see your performance in taking tests. So you can see your performance date and time-wise, your performance graphs are also provided.
Question: Are the files at killexams.com spyware free?
Answer: Killexams files are 100% virus and spyware-free. You can confidently obtain and use these files. Although, while downloading killexams test Simulator, you can face virus notification, Microsoft show this notification on the obtain of every executable file. If you still want to be extra careful, you can obtain RAR compressed archive to obtain the test simulator. Extract this file and you will get an test simulator installer.
Question: Why there are some negative reviews on internet about killexams?
Answer: There are several practice test providers, most of them are re-sellers. There is competition on the internet for the right material. Some marketing people use negative marketing as a tool to show a good source as a bad. They use to enter bad and negative reviews about killexams on the internet on some sites. This does not usually work but this method is used to show a good service bad rather than to Excellerate their service.
Question: Can I find real mock test of PEGAPCSA87V1 exam?
Answer: Yes. You will get up-to-date PEGAPCSA87V1 real questions. If there will be any update in the exam, it will be automatically copied in your obtain section and you will receive an intimation email. You can memorize and practice these mock test with the VCE test simulator. It will train you enough to get good marks in the exam.
Pegasystems+%28PCSA%29+guide
https://www.pass4surez.com/art/read.php?keyword=Pegasystems+%28PCSA%29+guide&lang=us&links=remove

Choosing the right certification practice test provider can be challenging, as candidates often encounter unreliable services that compromise their preparation. At Killexams.com, they are committed to delivering top-quality practice tests, ensuring their materials are regularly updated and rigorously validated for accuracy. Their customers’ success is a testament to their dedication, with countless candidates passing their certification exams confidently and efficiently thanks to their resources. They take pride in maintaining an impeccable reputation, built on trust, quality, and customer satisfaction. Unlike some providers, they never compromise on the integrity of their review process or the reliability of their practice tests. Be cautious of misleading reports or scam allegations from competitors, which are often designed to undermine trusted services like ours. At Killexams.com, they back their offerings with authentic customer reviews and proven results. Explore their trial practice questions, PDF resources, and advanced VCE test simulator to experience why Killexams.com is the preferred choice for certification preparation. Your success is their priority, and we’re here to help you achieve it with confidence.

Which is the best practice tests website?
You bet, Killexams is completely legit and fully well-performing. There are several benefits that makes killexams.com unique and legitimized. It provides updated and completely valid test questions that contain real exams questions and answers. Price is small as compared to most of the services online. The mock test are kept up to date on usual basis along with most accurate questions. Killexams account set up and item delivery is really fast. Submit downloading is actually unlimited and fast. Guidance is avaiable via Livechat and Message. These are the characteristics that makes killexams.com a robust website that supply test prep with real exams questions.



Is killexams.com test material dependable?
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 2025 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 questions 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 syllabus 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 practice test 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 Exam Center and Enjoy your Success.




NEA-BC mock test | PMGT-BC Study Guide | EX407 free questions | 4A0-104 test trial | PCE-CBC practice questions | DASM practice test | DEA-3TT2 mock test | CISM study guide | 1Y0-440 test test | PSP Practice Questions | NBCOT-COTA practice test | LEED-GA question test | CQE free pdf | ISEE practice test | H13-511 test prep | NAPLEX cram book | OG0-092 test Questions | ACE001 test answers | AZ-500 practice test | TA12 Free PDF |


PEGAPCSA87V1 - Pega Certified System Architect (PCSA) 87V1 Real test Questions
PEGAPCSA87V1 - Pega Certified System Architect (PCSA) 87V1 outline
PEGAPCSA87V1 - Pega Certified System Architect (PCSA) 87V1 Free PDF
PEGAPCSA87V1 - Pega Certified System Architect (PCSA) 87V1 Question Bank
PEGAPCSA87V1 - Pega Certified System Architect (PCSA) 87V1 Study Guide
PEGAPCSA87V1 - Pega Certified System Architect (PCSA) 87V1 Study Guide
PEGAPCSA87V1 - Pega Certified System Architect (PCSA) 87V1 study tips
PEGAPCSA87V1 - Pega Certified System Architect (PCSA) 87V1 test success
PEGAPCSA87V1 - Pega Certified System Architect (PCSA) 87V1 test Questions
PEGAPCSA87V1 - Pega Certified System Architect (PCSA) 87V1 study help
PEGAPCSA87V1 - Pega Certified System Architect (PCSA) 87V1 PDF Download
PEGAPCSA87V1 - Pega Certified System Architect (PCSA) 87V1 answers
PEGAPCSA87V1 - Pega Certified System Architect (PCSA) 87V1 certification
PEGAPCSA87V1 - Pega Certified System Architect (PCSA) 87V1 Real test Questions
PEGAPCSA87V1 - Pega Certified System Architect (PCSA) 87V1 book
PEGAPCSA87V1 - Pega Certified System Architect (PCSA) 87V1 Premium PDF
PEGAPCSA87V1 - Pega Certified System Architect (PCSA) 87V1 test Questions
PEGAPCSA87V1 - Pega Certified System Architect (PCSA) 87V1 Questions and Answers
PEGAPCSA87V1 - Pega Certified System Architect (PCSA) 87V1 information search
PEGAPCSA87V1 - Pega Certified System Architect (PCSA) 87V1 cheat sheet
PEGAPCSA87V1 - Pega Certified System Architect (PCSA) 87V1 Free PDF
PEGAPCSA87V1 - Pega Certified System Architect (PCSA) 87V1 answers
PEGAPCSA87V1 - Pega Certified System Architect (PCSA) 87V1 test
PEGAPCSA87V1 - Pega Certified System Architect (PCSA) 87V1 real questions
PEGAPCSA87V1 - Pega Certified System Architect (PCSA) 87V1 Free PDF
PEGAPCSA87V1 - Pega Certified System Architect (PCSA) 87V1 test questions
PEGAPCSA87V1 - Pega Certified System Architect (PCSA) 87V1 Latest Questions
PEGAPCSA87V1 - Pega Certified System Architect (PCSA) 87V1 Practice Test
PEGAPCSA87V1 - Pega Certified System Architect (PCSA) 87V1 actual Questions
PEGAPCSA87V1 - Pega Certified System Architect (PCSA) 87V1 test syllabus
PEGAPCSA87V1 - Pega Certified System Architect (PCSA) 87V1 PDF Download
PEGAPCSA87V1 - Pega Certified System Architect (PCSA) 87V1 Test Prep
PEGAPCSA87V1 - Pega Certified System Architect (PCSA) 87V1 Free test PDF
PEGAPCSA87V1 - Pega Certified System Architect (PCSA) 87V1 Premium PDF
PEGAPCSA87V1 - Pega Certified System Architect (PCSA) 87V1 questions
PEGAPCSA87V1 - Pega Certified System Architect (PCSA) 87V1 techniques
PEGAPCSA87V1 - Pega Certified System Architect (PCSA) 87V1 learn
PEGAPCSA87V1 - Pega Certified System Architect (PCSA) 87V1 test Questions
PEGAPCSA87V1 - Pega Certified System Architect (PCSA) 87V1 Study Guide
PEGAPCSA87V1 - Pega Certified System Architect (PCSA) 87V1 test
PEGAPCSA87V1 - Pega Certified System Architect (PCSA) 87V1 certification
PEGAPCSA87V1 - Pega Certified System Architect (PCSA) 87V1 PDF questions
PEGAPCSA87V1 - Pega Certified System Architect (PCSA) 87V1 test contents
PEGAPCSA87V1 - Pega Certified System Architect (PCSA) 87V1 education

Other Pegasystems Practice Tests


PEGAPCSSA86V1 test example | PEGACPMC84V1 practice exam | PEGAPCSSA87V1 test questions | PEGAPCLSA86V2 questions and answers | PEGAPCDS87V1 prep questions | PEGAPCSA85V1 practical test | PEGAPCSA87V1 test prep | PEGACPDC88V1 mock questions | PEGAPCSSA85V1 Question Bank | PEGAPCDC87V1 test preparation | PEGACPBA86V1 test papers | PEGACPSA88V1 test prep | PEGACPRSAV22 study guide | PEGACPDS88V1 free study guide | PEGAPCRSA80V1_2019 study questions | PEGAPCBA87V1 practice questions |


Best practice tests You Ever Experienced


AngularJS pdf exam | A00-280 test Questions | 9L0-314 online exam | API-571 mock questions | DP-500 Practice Test | NACE-CIP2-001 test test | Consul-Associate VCE | CFPN test prep questions | PNCB-PMHS practice exam | DES-5121 free test papers | SCS-C01 mock exam | Salesforce-Certified-CPQ-Specialist certification sample | PEGAPCSA87V1 test cram | PAL-I Free test PDF | CMQ-OE test questions | NCP-MCI study guide | 212-055 PDF Download | PSM-I free questions | 156-115.80 pdf download | 050-886 study questions |





References :





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






Direct Download

PEGAPCSA87V1 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.

PEGAPCSA87V1 Reviews

100% Valid and Up to Date PEGAPCSA87V1 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