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 PEGAPCSSA85V1?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der PEGAPCSSA85V1: Pega Certified Senior System Architect (PCSSA) 85V1 Prüfung.

2024 Updated Actual PEGAPCSSA85V1 questions as experienced in Test Center

Aktuelle PEGAPCSSA85V1 Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz

PEGAPCSSA85V1 Braindumps - Pega Certified Senior System Architect (PCSSA) 85V1 | https://www.easyfinanz.cc/

Pegasystems PEGAPCSSA85V1 : Pega Certified Senior System Architect (PCSSA) 85V1 exam Dumps

Exam Dumps Organized by Shahid nazir



Latest 2024 Updated Pegasystems Pega Certified Senior System Architect (PCSSA) 85V1 Syllabus
PEGAPCSSA85V1 quiz test / Braindumps contains actual exam Questions

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




PEGAPCSSA85V1 Exam Center Questions : Download 100% Free PEGAPCSSA85V1 quiz test (PDF and VCE)

Exam Number : PEGAPCSSA85V1
Exam Name : Pega Certified Senior System Architect (PCSSA) 85V1
Vendor Name : Pegasystems
Update : Click Here to Check Latest Update
Question Bank : Check Questions

Complete PEGAPCSSA85V1 test in a single day with these types of real test queries
Killexams.com is a reliable and trustworthy platform that offers PEGAPCSSA85V1 exam questions with a 100% success guarantee. You need to practice PEGAPCSSA85V1 questions at least once to score well in the exam. Your journey to success in the Pega Certified Senior System Architect (PCSSA) 85V1 exam starts with killexams.com PEGAPCSSA85V1 exam practice questions, which is an excellent and valid source of your targeted place.

Killexams.com has been consistently providing the latest, valid, and 2024 up-to-date Pegasystems PEGAPCSSA85V1 PDF Braindumps which are considered the most effective to pass the Pega Certified Senior System Architect (PCSSA) 85V1 exam. This will definitely help you to excel in your career and become an expert in your organization. Their reputation has been built on helping individuals to pass the PEGAPCSSA85V1 exam on their very first attempt. For the past four years, their braindumps performance has remained at the top. Their customers trust their PEGAPCSSA85V1 PDF Braindumps and VCE for their real PEGAPCSSA85V1 exam. They are proud to say that killexams.com is the best source for PEGAPCSSA85V1 genuine questions. Their PEGAPCSSA85V1 PDF Braindumps are constantly maintained to ensure they remain valid and 2024 up-to-date.

At killexams.com, they understand the importance of providing the latest and most accurate PEGAPCSSA85V1 PDF Braindumps to their clients. They have a team of experts who are dedicated to keeping their PEGAPCSSA85V1 PDF Braindumps valid and 2024 up-to-date. Their goal is to help their clients pass the Pega Certified Senior System Architect (PCSSA) 85V1 exam with ease and achieve success in their careers. Their braindumps performance has been consistently at the top for the past four years, which is a testament to their commitment to providing high-quality PEGAPCSSA85V1 PDF Braindumps. They take pride in being the best source for PEGAPCSSA85V1 genuine questions and encourage their clients to trust us and use their PEGAPCSSA85V1 PDF Braindumps and VCE for their real PEGAPCSSA85V1 exam. With killexams.com, you can be sure that you are getting the latest and most valid PEGAPCSSA85V1 PDF Braindumps that will help you pass the Pega Certified Senior System Architect (PCSSA) 85V1 exam and advance in your career.







PEGAPCSSA85V1 exam Format | PEGAPCSSA85V1 Course Contents | PEGAPCSSA85V1 Course Outline | PEGAPCSSA85V1 exam Syllabus | PEGAPCSSA85V1 exam Objectives


Exam Details for PEGAPCSSA85V1 Pega Certified Senior System Architect (PCSSA) 85V1:

Exam Specification:
- Number of Questions: The exam typically consists of multiple-choice questions, with a total of approximately 60 questions.
- Time Limit: The total time allocated for the exam is usually 90 minutes.
- Passing Score: The passing score for the exam varies, but it is generally set around 70% or higher.
- exam Format: The exam is usually conducted in a proctored environment, either in-person or online.

Course Outline:

The Pega Certified Senior System Architect (PCSSA) 85V1 course covers the following key areas:

1. Pega Platform Overview:
- Introduction to Pega Platform and its capabilities
- Understanding the Pega Platform architecture
- Overview of Pega application development and deployment process

2. Case Design and Implementation:
- Designing case types and stages
- Implementing data models and properties
- Configuring case processes and workflows
- Utilizing subcases and case hierarchies

3. Decision Design and Implementation:
- Designing decision rules and decision tables
- Implementing rule resolution and rule governance
- Configuring decision trees and decision strategies
- Utilizing advanced decision management techniques

4. User Interface Design and Implementation:
- Designing and customizing user interfaces
- Configuring dynamic layouts and sections
- Implementing validation and formatting rules
- Utilizing advanced UI features and components

5. Data Design and Implementation:
- Designing data models and data types
- Configuring data pages and data transforms
- Implementing data integrations and connectors
- Utilizing data mapping and data validation

6. Integration Design and Implementation:
- Implementing integrations with external systems
- Configuring REST and SOAP services
- Utilizing connectors and service rules
- Implementing file processing and batch processing

7. Security and Access Control:
- Configuring application security and authentication
- Implementing data encryption and secure storage
- Defining security policies and roles
- Managing user and group permissions

Exam Objectives:

The objectives of the PEGAPCSSA85V1 exam are to assess the candidate's understanding of the following:

1. Pega Platform and its key components.
2. Case design and implementation.
3. Decision design and implementation.
4. User interface design and implementation.
5. Data design and implementation.
6. Integration design and implementation.
7. Application security and access control.

Exam Syllabus:

The exam syllabus for PEGAPCSSA85V1 includes the following topics:

1. Pega Platform Overview
2. Case Design and Implementation
3. Decision Design and Implementation
4. User Interface Design and Implementation
5. Data Design and Implementation
6. Integration Design and Implementation
7. Security and Access Control



Killexams Review | Reputation | Testimonials | Feedback


It is unbelieveable that PEGAPCSSA85V1 dumps are right here.
As an employee at Smart Corp, I was apprehensive about the PEGAPCSSA85V1 exam, which contains difficult case studies. I applied for killexams.com's question bank, and their explanations for the answers helped clear up my many doubts. They even sent me correctly solved case studies via email. Thanks to their materials, I was able to pass the exam with a score of 73.75%, and I deliver all the credit to killexams.com. I look forward to passing more exams with their help.


Where should I search to get PEGAPCSSA85V1 actual test questions?
Thanks to killexams.com, I achieved a nearly perfect score of 98% on my PEGAPCSSA85V1 exam. The study materials in the bundle are authentic and valid. The questions were similar to the ones covered in the study guide, and I knew the answers to most of them. This learning tool not only expanded my professional knowledge but also helped me pass my PEGAPCSSA85V1 certification with ease.


What do you mean by PEGAPCSSA85V1 exam dumps?
I initially thought that I wasted money on the PEGAPCSSA85V1 braindump because I was not aware of the exam update. However, after contacting killexams.com help team, I was reassured that the exam was updated and that their material was up to date. I was impressed by their performance and customer support, and I am looking forward to taking my PEGAPCSSA85V1 exam in two weeks.


Actual Braindumps latest PEGAPCSSA85V1 exam are awesome!
I passed the PEGAPCSSA85V1 exam with killexams.com's help. Although the PEGAPCSSA85V1 certification is often underrated, it is an important credential, and I am proud to have earned it. Killexams.com's package provided me with the precise information I needed to succeed, with no deceptive or incorrect information. I am grateful to the team of builders for their hard work.


PEGAPCSSA85V1 certification exam is quite difficult, I need updated braindumps.
Passing the PEGAPCSSA85V1 exams became effortless for me, thanks to the useful internet site that provided me with thorough explanations for all the questions. I found the Braindumps from killexams.com to be very helpful in my preparation for the exam. When the exam was less than a week away, I was panic about my preparation and planned to retake the exam if I got less than 80% marks. However, after following a friend's advice, I purchased the Braindumps from killexams.com, which helped me prepare through well-composed material, and I passed with flying colors, scoring 90%.


Pegasystems Pega book

   


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 quiz test update and validity. The vast majority of customers scam by resellers come to us for the quiz test 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 exam dumps, killexams PDF questions, killexams questions bank, killexams VCE exam simulator. Visit their specimen questions and test exam dumps, their exam simulator and you will realize that killexams.com is the best brain dumps site.

Which is the best dumps website?
You bet, Killexams is 100 percent legit along with fully trustworthy. There are several options that makes killexams.com real and authentic. It provides current and 100 percent valid quiz test that contain real exams questions and answers. Price is surprisingly low as compared to almost all the services online. The Braindumps are up to date on common basis having most exact brain dumps. Killexams account arrangement and merchandise delivery is very fast. Computer file downloading can be unlimited and fast. Guidance is avaiable via Livechat and Message. These are the characteristics that makes killexams.com a strong website that offer quiz test with real exams questions.



Is killexams.com test material dependable?
There are several Braindumps provider in the market claiming that they provide actual 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 2024 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. quiz test provided by killexams.com are Reliable, Up-to-date and validated by Certified Professionals. They maintain dumps questions 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 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 Braindumps will be provided in your get Account. You can get Premium quiz test 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 actual Test. Go register for Test in Exam Center and Enjoy your Success.




2B0-011 boot camp | MB-910 cheat sheets | C90.01 braindumps | ONCC-BMTCN dumps questions | ADM-201 study guide | C1000-043 study guide | H13-523 free pdf get | 920-338 exam preparation | C2010-653 study material | Salesforce-AI-Associate Study Guide | E22-106 test questions | Dietitian free exam papers | CGFNS pass exam | PMI-100 exam Braindumps | 1Y0-204 free pdf | CTIL-001 braindump questions | 010-160 PDF Dumps | C1000-161 questions answers | Salesforce-Data-Cloud exam tips | EMT past bar exams |


PEGAPCSSA85V1 - Pega Certified Senior System Architect (PCSSA) 85V1 exam Questions
PEGAPCSSA85V1 - Pega Certified Senior System Architect (PCSSA) 85V1 boot camp
PEGAPCSSA85V1 - Pega Certified Senior System Architect (PCSSA) 85V1 exam syllabus
PEGAPCSSA85V1 - Pega Certified Senior System Architect (PCSSA) 85V1 exam
PEGAPCSSA85V1 - Pega Certified Senior System Architect (PCSSA) 85V1 Latest Questions
PEGAPCSSA85V1 - Pega Certified Senior System Architect (PCSSA) 85V1 braindumps
PEGAPCSSA85V1 - Pega Certified Senior System Architect (PCSSA) 85V1 real questions
PEGAPCSSA85V1 - Pega Certified Senior System Architect (PCSSA) 85V1 exam dumps
PEGAPCSSA85V1 - Pega Certified Senior System Architect (PCSSA) 85V1 actual Questions
PEGAPCSSA85V1 - Pega Certified Senior System Architect (PCSSA) 85V1 dumps
PEGAPCSSA85V1 - Pega Certified Senior System Architect (PCSSA) 85V1 Practice Test
PEGAPCSSA85V1 - Pega Certified Senior System Architect (PCSSA) 85V1 Real exam Questions
PEGAPCSSA85V1 - Pega Certified Senior System Architect (PCSSA) 85V1 Cheatsheet
PEGAPCSSA85V1 - Pega Certified Senior System Architect (PCSSA) 85V1 teaching
PEGAPCSSA85V1 - Pega Certified Senior System Architect (PCSSA) 85V1 Study Guide
PEGAPCSSA85V1 - Pega Certified Senior System Architect (PCSSA) 85V1 PDF Braindumps
PEGAPCSSA85V1 - Pega Certified Senior System Architect (PCSSA) 85V1 teaching
PEGAPCSSA85V1 - Pega Certified Senior System Architect (PCSSA) 85V1 certification
PEGAPCSSA85V1 - Pega Certified Senior System Architect (PCSSA) 85V1 information hunger
PEGAPCSSA85V1 - Pega Certified Senior System Architect (PCSSA) 85V1 book
PEGAPCSSA85V1 - Pega Certified Senior System Architect (PCSSA) 85V1 exam contents
PEGAPCSSA85V1 - Pega Certified Senior System Architect (PCSSA) 85V1 Free exam PDF
PEGAPCSSA85V1 - Pega Certified Senior System Architect (PCSSA) 85V1 study tips
PEGAPCSSA85V1 - Pega Certified Senior System Architect (PCSSA) 85V1 study tips
PEGAPCSSA85V1 - Pega Certified Senior System Architect (PCSSA) 85V1 book
PEGAPCSSA85V1 - Pega Certified Senior System Architect (PCSSA) 85V1 exam syllabus
PEGAPCSSA85V1 - Pega Certified Senior System Architect (PCSSA) 85V1 information search
PEGAPCSSA85V1 - Pega Certified Senior System Architect (PCSSA) 85V1 questions
PEGAPCSSA85V1 - Pega Certified Senior System Architect (PCSSA) 85V1 exam dumps
PEGAPCSSA85V1 - Pega Certified Senior System Architect (PCSSA) 85V1 Latest Questions
PEGAPCSSA85V1 - Pega Certified Senior System Architect (PCSSA) 85V1 outline
PEGAPCSSA85V1 - Pega Certified Senior System Architect (PCSSA) 85V1 Practice Questions
PEGAPCSSA85V1 - Pega Certified Senior System Architect (PCSSA) 85V1 braindumps
PEGAPCSSA85V1 - Pega Certified Senior System Architect (PCSSA) 85V1 PDF Braindumps
PEGAPCSSA85V1 - Pega Certified Senior System Architect (PCSSA) 85V1 exam
PEGAPCSSA85V1 - Pega Certified Senior System Architect (PCSSA) 85V1 exam Questions
PEGAPCSSA85V1 - Pega Certified Senior System Architect (PCSSA) 85V1 exam syllabus
PEGAPCSSA85V1 - Pega Certified Senior System Architect (PCSSA) 85V1 certification
PEGAPCSSA85V1 - Pega Certified Senior System Architect (PCSSA) 85V1 exam Questions
PEGAPCSSA85V1 - Pega Certified Senior System Architect (PCSSA) 85V1 boot camp
PEGAPCSSA85V1 - Pega Certified Senior System Architect (PCSSA) 85V1 test
PEGAPCSSA85V1 - Pega Certified Senior System Architect (PCSSA) 85V1 test
PEGAPCSSA85V1 - Pega Certified Senior System Architect (PCSSA) 85V1 cheat sheet
PEGAPCSSA85V1 - Pega Certified Senior System Architect (PCSSA) 85V1 Cheatsheet

Other Pegasystems exam Dumps


PEGAPCLSA86V2 test example | PEGACPSA88V1 practice test | PEGAPCSA85V1 Practice Questions | PEGAPCDC87V1 exam answers | PEGAPCSA87V1 study questions | PEGACPBA86V1 free online test | PEGAPCSSA86V1 dumps questions | PEGACPRSAV22 free practice tests | PEGACPMC84V1 real questions | PEGAPCRSA80V1_2019 writing test questions | PEGACPDC88V1 Cheatsheet | PEGAPCBA87V1 past exams | PEGAPCSSA85V1 free pdf download | PEGAPCSSA87V1 free pdf | PEGAPCDS87V1 PDF Questions | PEGACPDS88V1 boot camp |


Best quiz test You Ever Experienced


AZ-800 actual Questions | FNCB-AFN-C exam prep | CIMAPRA19-F01-1-ENG braindumps | GP-MCQS exam questions | RPFT free pdf download | CAU305 model question | DEV-450 cbt | C1000-170 test prep | IOS-158 pass exam | 4A0-113 real questions | ASM Latest Topics | MHAP Questions and Answers | 090-160 cheat sheet pdf | PEGACPSA88V1 exam Questions | NS0-403 trial questions | 7492X cheat sheets | 44202T exam answers | PCDRA practice questions | CITP brain dumps | NCBORN-CRNO real questions |





References :





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






Direct Download

PEGAPCSSA85V1 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.

PEGAPCSSA85V1 Reviews

100% Valid and Up to Date PEGAPCSSA85V1 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