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 PEGAPCSSA80V1_2019?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der PEGAPCSSA80V1_2019: Pega Certified Senior System Architect 80V1 Prüfung.

2022 Updated Actual PEGAPCSSA80V1_2019 questions as experienced in Test Center

Laden Sie PEGAPCSSA80V1_2019 Übungstest und aktuelle Fragen herunter - easy finanz | easyfinanz

Pega Certified Senior System Architect 80V1 real questions with Latest PEGAPCSSA80V1_2019 practice tests | https://www.easyfinanz.cc/

Pegasystems PEGAPCSSA80V1_2019 : Pega Certified Senior System Architect test Dumps

Exam Dumps Organized by Shahid nazir



Latest 2022 Updated Syllabus
PEGAPCSSA80V1_2019 test Dumps | Latest Braindumps with genuine Questions

Real Questions from Latest courses of PEGAPCSSA80V1_2019 - Updated Daily - 100% Pass Guarantee



PEGAPCSSA80V1_2019 demo Questions : Download 100% Free PEGAPCSSA80V1_2019 test Dumps (PDF and VCE)

Exam Number : PEGAPCSSA80V1_2019
Exam Name : Pega Certified Senior System Architect 80V1
Vendor Name : Pegasystems
Update : Click Here to Check Latest Update
Question Bank : Check Questions

Every issue of PEGAPCSSA80V1_2019 test is actually covered inside Test Prep
killexams.com PEGAPCSSA80V1_2019 test prep puts deliver you all you need to pass PEGAPCSSA80V1_2019 exam. Their Pegasystems PEGAPCSSA80V1_2019 Test Prep imagine questions which can be actually just like the genuine PEGAPCSSA80V1_2019 test. Top-quality and impetus for the PEGAPCSSA80V1_2019 Exam. Many of us at killexams certain your own personal achievement within PEGAPCSSA80V1_2019 analyze with their Test Prep.

For anyone who is really concered about the PEGAPCSSA80V1_2019 test places. You should merely obtain PEGAPCSSA80V1_2019 cheat sheet by killexams.com. It will save from great deal of problems. It creates your plan about PEGAPCSSA80V1_2019 destinations completely clear besides making you guaranteed to confront the real PEGAPCSSA80V1_2019 analyze. Make your personal notes. You will notice that a few enquiries will look extremely simple to answer, however when you may attempt at VCE test technique, you will see that anyone answer all of them wrong. This really is on the grounds that, these are useful inquiries. Pegasystems experts produce such enquiries that seem extremely easy however you can find part of methods inside the questions. They enable comprehend these questions while using assistance of their own PEGAPCSSA80V1_2019 concerns and responses. Their VCE test technique will assist anyone with recollecting and understanding parcels connected with such enquiries. At the level when you will certainly answer these PEGAPCSSA80V1_2019 PDF Questions over and over, your thinking will be removed and you will certainly not befuddle while Pegasystems transform those enquiries to make particular strategies. This can be a manner through which they support applicants along with breezing via their analyze at first project by definitely helping way up their awareness about PEGAPCSSA80V1_2019 targets.

Highlights of Killexams PEGAPCSSA80V1_2019 PDF Questions
-> Fast PEGAPCSSA80V1_2019 PDF Questions obtain Entry
-> Comprehensive PEGAPCSSA80V1_2019 Questions as well as Answers
-> 98% Success Level of PEGAPCSSA80V1_2019 test
-> Assured genuine PEGAPCSSA80V1_2019 test concerns
-> PEGAPCSSA80V1_2019 Queries Updated in Regular foundation.
-> Valid as well as 2022 Current PEGAPCSSA80V1_2019 Quiz Dumps
-> fully Portable PEGAPCSSA80V1_2019 test Documents
-> Full presented PEGAPCSSA80V1_2019 VCE test Sim
-> No Restrict on PEGAPCSSA80V1_2019 test Acquire Access
-> Wonderful Discount Coupons
-> fully Secured Acquire Account
-> fully Confidentiality Ascertained
-> 100% Good results certain
-> fully Free Latest Topics demo Queries
-> No Concealed Cost
-> Zero Monthly Costs
-> No Intelligent Account Reconstruction
-> PEGAPCSSA80V1_2019 Quiz Update Excitation by Electronic mail
-> Free Tech support team

Lower price Coupon in Full PEGAPCSSA80V1_2019 PDF Questions Exam Questions;
WC2020: 60% Ripped Discount on each of your test
PROF17: 10% More Discount in Value Higher than $69
DEAL17: 15% More Discount in Value Higher than $99







PEGAPCSSA80V1_2019 test Format | PEGAPCSSA80V1_2019 Course Contents | PEGAPCSSA80V1_2019 Course Outline | PEGAPCSSA80V1_2019 test Syllabus | PEGAPCSSA80V1_2019 test Objectives


EXAM NUMBER : PEGAPCSSA80V1_2019
EXAM NAME : Pega Certified Senior System Architect 80V1

The Pega Certified Senior System Architect (PCSSA) certification validates the ability to use Pega to design and build for reusability across multiple lines of business. It includes applying best practices, understanding application debugging and performance tuning, and addressing security/access requirements in an application. The PCSSA version 8 test includes scenario questions, multiple choice questions and drag/drop items. If multiple answers are required, the text states how many responses are needed. Pega Certified System Architect (P/CSA) certification in any version is required to begin the PCSSA certification program.

Exam courses (% of exam)
Application Development (20%)
Enterprise Class Structure: Implementation and framework layers
Application Debugging: Reviewing Log Files
Analyzing application performance
Rule Resolution
Circumstancing rules on multiple variables
Background Processing
Activities and activity configuration
Promoting rule reuse with relevant records

Case Management (18%)
Duplicate and Temporary cases
Parallel Processing configuration
Configuring flow action processes: pre- and post- processing
Decision tables and trees
Approving Cases with an Authority Matrix/Cascading approvals
Creating organization records

Data Modeling (2%)
Configuring Field Values

User Interface (14%)
User portal customization
Localized application content
Enabling accessibility features
Pega Web Mashup

Reporting (5%)
Designing reports with multiple sources

Information Exchange (18%)
Exchanging data with other applications
Simulating integration data
Addressing integration errors in connectors
Managing integration settings
Exposing an application with a service
Database Updates
Keyed Data Pages

Security (3%)
Securing an application: Access control

Deployments (13%)
Creating a new application version
Configuring and validating application rulesets
Parallel development
Migrating an application

Mobility (7%) Mobile Apps for Pega applications and best practices
Offline processing for mobile apps



Killexams Review | Reputation | Testimonials | Feedback


Passing the PEGAPCSSA80V1_2019 test with enough knowledge.
Before running over this brilliant killexams.com, I made certain with regards to the capacities of the web. When I made an account here I saw an entirely different world and that was the start of my fruitful streak. To get completely ready for my PEGAPCSSA80V1_2019 exams, I was given a lot of study questions/answers and a set pattern to follow which was very precise and comprehensive. This assisted me in achieving success in my PEGAPCSSA80V1_2019 test which was an amazing feat. Thanks a lot for that.


I've found a very good source of PEGAPCSSA80V1_2019 material.
Every time I want to pass my certification test to maintain my task,


Simply try these dumps and success is yours.
My name is Suman Kumar. I have got 89.25% in the PEGAPCSSA80V1_2019 test once you have your test materials. Thanks for presenting this type of useful test material as the reasons for the answers are excellent. Thank you killexams.com for the notable question bank. The excellent factor about this examcollection is the designated answers. It enables me to understand the idea and mathematical calculations.


The way to put together for PEGAPCSSA80V1_2019 test in shortest time?
It is not the first time I am using killexams for my PEGAPCSSA80V1_2019 exam, I have attempted their material for some carriers exams, and have not failed once. I completely depend upon this training. This time, I additionally had a few technical troubles with my pc, so I needed to contact their customer support to double test thing. They have been outstanding and have helped me sort matters out, even though the trouble changed into my deliver up, not their software.


There is no source like this PEGAPCSSA80V1_2019 test dumps. Just get it.
It is Great that I passed my PEGAPCSSA80V1_2019 test last week, and one test in advance this month! As many people factor out right here, those braindumps are a remarkable manner to analyze, either for the test or only for your expertise! On my exams, I had many questions, exact thing I knew all the answers to!!


Pegasystems Architect testing

Unquestionably it is hard assignment to pick dependable certification questions/answers assets regarding review, reputation and validity since individuals get sham because of picking incorrectly benefit. Killexams.com ensure to serve its customers best to its assets concerning test dumps update and validity. The vast majority of other's sham report dissension customers come to us for the brain dumps and pass their exams joyfully and effortlessly. They never trade off on their review, reputation and quality on the grounds that killexams review, killexams reputation and killexams customer certainty is imperative to us. Uniquely they deal with killexams.com review, killexams.com reputation, killexams.com sham report objection, killexams.com trust, killexams.com validity, killexams.com report and killexams.com scam. On the off chance that you see any false report posted by their rivals with the name killexams sham report grievance web, killexams.com sham report, killexams.com scam, killexams.com protest or something like this, simply remember there are constantly awful individuals harming reputation of good administrations because of their advantages. There are a huge number of fulfilled clients that pass their exams utilizing killexams.com brain dumps, killexams PDF questions, killexams hone questions, killexams test simulator. Visit Killexams.com, their specimen questions and test brain dumps, their test simulator and you will realize that killexams.com is the best brain dumps site.

Is Killexams.com Legit?
Indeed, Killexams is totally legit plus fully reliable. There are several includes that makes killexams.com authentic and genuine. It provides up to date and totally valid test dumps that contains real exams questions and answers. Price is small as compared to almost all of the services online. The Questions Answers are up to date on frequent basis utilizing most exact brain dumps. Killexams account arrangement and device delivery is quite fast. Data file downloading is normally unlimited and also fast. Guidance is avaiable via Livechat and Message. These are the characteristics that makes killexams.com a sturdy website that deliver test dumps with real exams questions.



Which is the best braindumps site of 2022?
There are several Questions Answers provider in the market claiming that they provide genuine 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 Questions Answers 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 courses of new syllabus, They recommend to obtain PDF test 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 Questions Answers 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 genuine Test. Go register for Test in Exam Center and Enjoy your Success.




HP0-Y52 brain dumps | A00-211 study questions | Okta-Certified-Pro free pdf | PEGAPCSA80V1_2019 Questions Answers | AZ-305 study guide | AZ-400 test demo | 500-240 model question | CIMAPRO17-BA2-X1-ENG dumps questions | ACCP-v6.5 test prep | SPLK-1003 Practice Questions | E20-375 Study Guide | CIMAPRA17-BA2-1-ENG practice questions | 1Z0-1084-20 free practice tests | PT0-001 study guide | 2V0-31.21 test questions | 300-820 test papers | ATA genuine Questions | ITILFND-V4 practice test | CBDH Dumps | ABPN-VNE pdf obtain |


PEGAPCSSA80V1_2019 - Pega Certified Senior System Architect 80V1 answers
PEGAPCSSA80V1_2019 - Pega Certified Senior System Architect 80V1 test Cram
PEGAPCSSA80V1_2019 - Pega Certified Senior System Architect 80V1 education
PEGAPCSSA80V1_2019 - Pega Certified Senior System Architect 80V1 dumps
PEGAPCSSA80V1_2019 - Pega Certified Senior System Architect 80V1 test success
PEGAPCSSA80V1_2019 - Pega Certified Senior System Architect 80V1 braindumps
PEGAPCSSA80V1_2019 - Pega Certified Senior System Architect 80V1 test
PEGAPCSSA80V1_2019 - Pega Certified Senior System Architect 80V1 test dumps
PEGAPCSSA80V1_2019 - Pega Certified Senior System Architect 80V1 dumps
PEGAPCSSA80V1_2019 - Pega Certified Senior System Architect 80V1 Questions and Answers
PEGAPCSSA80V1_2019 - Pega Certified Senior System Architect 80V1 information source
PEGAPCSSA80V1_2019 - Pega Certified Senior System Architect 80V1 study tips
PEGAPCSSA80V1_2019 - Pega Certified Senior System Architect 80V1 book
PEGAPCSSA80V1_2019 - Pega Certified Senior System Architect 80V1 test Cram
PEGAPCSSA80V1_2019 - Pega Certified Senior System Architect 80V1 test Braindumps
PEGAPCSSA80V1_2019 - Pega Certified Senior System Architect 80V1 Questions and Answers
PEGAPCSSA80V1_2019 - Pega Certified Senior System Architect 80V1 test Questions
PEGAPCSSA80V1_2019 - Pega Certified Senior System Architect 80V1 cheat sheet
PEGAPCSSA80V1_2019 - Pega Certified Senior System Architect 80V1 information hunger
PEGAPCSSA80V1_2019 - Pega Certified Senior System Architect 80V1 test format
PEGAPCSSA80V1_2019 - Pega Certified Senior System Architect 80V1 study help
PEGAPCSSA80V1_2019 - Pega Certified Senior System Architect 80V1 Free PDF
PEGAPCSSA80V1_2019 - Pega Certified Senior System Architect 80V1 information source
PEGAPCSSA80V1_2019 - Pega Certified Senior System Architect 80V1 genuine Questions
PEGAPCSSA80V1_2019 - Pega Certified Senior System Architect 80V1 learning
PEGAPCSSA80V1_2019 - Pega Certified Senior System Architect 80V1 teaching
PEGAPCSSA80V1_2019 - Pega Certified Senior System Architect 80V1 learn
PEGAPCSSA80V1_2019 - Pega Certified Senior System Architect 80V1 test Cram
PEGAPCSSA80V1_2019 - Pega Certified Senior System Architect 80V1 test format
PEGAPCSSA80V1_2019 - Pega Certified Senior System Architect 80V1 real questions
PEGAPCSSA80V1_2019 - Pega Certified Senior System Architect 80V1 education
PEGAPCSSA80V1_2019 - Pega Certified Senior System Architect 80V1 test format
PEGAPCSSA80V1_2019 - Pega Certified Senior System Architect 80V1 PDF Dumps
PEGAPCSSA80V1_2019 - Pega Certified Senior System Architect 80V1 Cheatsheet
PEGAPCSSA80V1_2019 - Pega Certified Senior System Architect 80V1 test prep
PEGAPCSSA80V1_2019 - Pega Certified Senior System Architect 80V1 Cheatsheet
PEGAPCSSA80V1_2019 - Pega Certified Senior System Architect 80V1 Latest Topics
PEGAPCSSA80V1_2019 - Pega Certified Senior System Architect 80V1 Latest Questions
PEGAPCSSA80V1_2019 - Pega Certified Senior System Architect 80V1 Practice Test
PEGAPCSSA80V1_2019 - Pega Certified Senior System Architect 80V1 genuine Questions
PEGAPCSSA80V1_2019 - Pega Certified Senior System Architect 80V1 test Questions
PEGAPCSSA80V1_2019 - Pega Certified Senior System Architect 80V1 syllabus
PEGAPCSSA80V1_2019 - Pega Certified Senior System Architect 80V1 real questions
PEGAPCSSA80V1_2019 - Pega Certified Senior System Architect 80V1 learning
PEGAPCSSA80V1_2019 - Pega Certified Senior System Architect 80V1 exam
PEGAPCSSA80V1_2019 - Pega Certified Senior System Architect 80V1 Latest Topics
PEGAPCSSA80V1_2019 - Pega Certified Senior System Architect 80V1 test syllabus
PEGAPCSSA80V1_2019 - Pega Certified Senior System Architect 80V1 test dumps
PEGAPCSSA80V1_2019 - Pega Certified Senior System Architect 80V1 PDF Download
PEGAPCSSA80V1_2019 - Pega Certified Senior System Architect 80V1 Free test PDF
PEGAPCSSA80V1_2019 - Pega Certified Senior System Architect 80V1 Cheatsheet
PEGAPCSSA80V1_2019 - Pega Certified Senior System Architect 80V1 Latest Questions
PEGAPCSSA80V1_2019 - Pega Certified Senior System Architect 80V1 information search


PEGAPCSA84V1 test demo | PEGAPCBA86V1 brain dumps | PEGAPCSSA86V1 PDF obtain | PEGAPCSA87V1 bootcamp | PEGAPCSSA85V1 free pdf |


Best Certification test Dumps You Ever Experienced


PEGAPCSA85V1 cheat sheets | PEGACSA74V1 demo questions | PEGACUIS71V1 test test | PEGACMBB model question | PEGACSSA74V1 real questions | PEGACPBA71V1 braindumps | PEGAPCDC80V1 demo test | PEGAPCSA87V1 examcollection | PEGAPCRSA80V1_2019 training material | PEGACDA71V1 writing test questions | PEGACPDC74V1 past exams | PEGAPCSA80V1_2019 brain dumps | PEGACCA study guide | PEGACSA71V1 study guide | PEGACSA72V1 test prep | PEGAPCSSA86V1 study questions | PEGAPCSSA85V1 test questions | PEGACSA test questions | PEGACLSA_6.2V2 PDF obtain | PEGACSSA test tips |





References :


http://ge.tt/8uxvOC93
https://drp.mk/i/ytqMmXBkRZ
https://sites.google.com/view/killexams-pegapcssa80v1-2019-p
https://arfansaleemfan.blogspot.com/2021/01/pegapcssa80v12019-pega-certified-senior.html
https://justpaste.it/PEGAPCSSA80V1_2019
http://killexams.decksrusct.com/blog/certification-exam-dumps/pegapcssa80v1_2019-pega-certified-senior-system-architect-80v1-questions-and-answers-by-killexams-com/
https://ello.co/killexamz/post/4zsjskn4gf0b0zx_hgogzg
https://killexams.com/datafiles/rss/101-500-rss.xml
https://killexams.com/pass4sure/exam-detail/PEGAPCSSA80V1_2019
https://files.fm/f/t32usjayx
https://spaces.hightail.com/space/YV0On4zWjy/files/fi-3cb36cf6-7ed9-4b4c-a421-2ae88d3f1ddb/fv-4beecf89-9198-4b57-8d1d-9452026be5e0/IBM-Tivoli-Total-Storage-Productivity-Center-V3-1-Implement--(000-900).pdf#pageThumbnail-1



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






Direct Download

PEGAPCSSA80V1_2019 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.

PEGAPCSSA80V1_2019 Reviews

100% Valid and Up to Date PEGAPCSSA80V1_2019 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