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 PHR?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der PHR: Professional in Human Resources (HRCI PHR) Prüfung.

2024 Updated Actual PHR questions as experienced in Test Center

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

PHR Cheatsheet - Professional in Human Resources (HRCI PHR) | https://www.easyfinanz.cc/

HR PHR : Professional in Human Resources (HRCI PHR) ACTUAL EXAM QUESTIONS

Exam Dumps Organized by Richard



Latest 2024 Updated HR Professional in Human Resources (HRCI PHR) Syllabus
PHR ACTUAL EXAM QUESTIONS / Braindumps contains real test Questions

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




PHR Exam Center Questions : Download 100% Free PHR ACTUAL EXAM QUESTIONS (PDF and VCE)

Exam Number : PHR
Exam Name : Professional in Human Resources (HRCI PHR)
Vendor Name : HR
Update : Click Here to Check Latest Update
Question Bank : Check Questions

Full PHR Exam Questions dumps collection from killexams
If you are feeling stressed about how to pass your HR PHR Exam, their killexams.com HR PHR boot camp questions and test system can help you use your knowledge and creativity to succeed. Most specialists recognize the importance of IT certification, and their straightforward exam dumps will make your preparation easy. Their HR PHR Exam Questions are designed to make your knowledge and creativity significant and guide you toward the certification test.

To pass HR PHR test and secure a high paying job, it is crucial to find a reliable and trustworthy PHR cheat sheet provider online. While there are many options available, most of them sell outdated dumps that are of no use. To ensure that your research does not end up being a waste of time and money, it is recommended to directly visit killexams.com and download the free PHR PDF Dumps demo questions to assess the quality. If satisfied, register and get a 3-month account to download the latest and valid PHR Latest Topics, which includes real test questions and answers. Great discounts are available, and it is also advisable to get the PHR VCE test simulator for practice.

Killexams.com is a trusted platform for obtaining the latest and up-to-date ACTUAL EXAM QUESTIONS for 2024 in order to pass HR PHR test with ease. The website features a team of experts who work to acquire real test questions for PHR to ensure your success. You can download the latest PHR test questions anytime, with a 100% refund guaranteed. While many companies offer PHR cheat sheet, finding valid and updated 2024 PHR PDF Questions can be challenging. It is crucial to think twice before relying on free dumps provided online.

With Killexams PHR Latest Topics, you can gain access to the complete PHR questions bank and guaranteed test success within just 5 minutes of download. The platform offers the latest and updated 2024 PHR questions and answers, along with the 2024 PHR syllabus. You can download PHR test files anywhere, with unlimited VCE test simulator access and no limits on test download. The purchase is 100% secure and confidential, and there are no hidden costs, monthly subscriptions, or auto-renewals. You can also enjoy free technical support, test update intimation by email, and a 100% free exam dumps demo questions. You can easily copy PHR cheat sheet PDF to any device for studying and memorizing the real PHR questions, even while on vacation or traveling. With consistent practice using the PHR Latest Topics and VCE test simulator, you can confidently take the real PHR exam.







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


- Business Management (20%)

- Talent Planning and Acquisition (16%)

- Learning and Development (10%)

- Total Rewards (15%)

- Employee and Labor Relations (39%)



Functional Area 01 | Business Management (20%)

Using information about the organization and business environment to reinforce expectations, influence decision making, and avoid risk.

Responsibilities:

01 Interpret and apply information related to general business environment and industry best practices

02 Reinforce the organizations core values, ethical and behavioral expectations through modeling, communication, and coaching

03 Understand the role of cross-functional stakeholders in the organization and establish relationships to influence decision making

04 Recommend and implement best practices to mitigate risk (for example: lawsuits, internal/ external threats)

05 Determine the significance of data for recommending organizational strategies (for example: attrition rates, diversity in hiring, time to hire, time to fill, ROI, success of training)

Knowledge of:

01 Vision, mission, values, and structure of the organization

02 Legislative and regulatory knowledge and procedures

03 Corporate governance procedures and compliance

04 Employee communications

05 Ethical and professional standards

06 Business elements of an organization (for example: other functions and departments, products, competition, customers, technology, demographics, culture, processes, safety and security)

07 Existing HRIS, reporting tools, and other systems for effective data reporting and analysis

08 Change management theory, methods, and application

09 Risk management

10 Qualitative and quantitative methods and tools for analytics

11 Dealing with situations that are uncertain, unclear, or chaotic



Functional Area 02 | Talent Planning and Acquisition (16%)

Identifying, attracting, and employing talent while following all federal laws related to the hiring process.

Responsibilities:

01 Understand federal laws and organizational policies to adhere to legal and ethical requirements in hiring (for example: Title VII, nepotism, disparate impact, FLSA, independent contractors)

02 Develop and implement sourcing methods and techniques (for example: employee referrals, diversity groups, social media)

03 Execute the talent acquisition lifecycle (for example: interviews, extending offers, background checks, negotiation).

Knowledge of:

12 Applicable federal laws and regulations related to talent planning and acquisition activities

13 Planning concepts and terms (for example: succession planning, forecasting)

14 Current market situation and talent pool availability

15 Staffing alternatives (for example: outsourcing, temporary employment)

16 Interviewing and selection techniques, concepts, and terms

17 Applicant tracking systems and/or methods

18 Impact of total rewards on recruitment and retention

19 Candidate/employee testing processes and procedures

20 Verbal and written offers/contract techniques

21 New hire employee orientation processes and procedures

22 Internal workforce exams (for example: skills testing, workforce demographics, analysis)

23 Transition techniques for corporate restructuring, mergers and acquisitions, due diligence process, offshoring, and divestitures

24 Metrics to assess past and future staffing effectiveness (for example: cost per hire, selection ratios, adverse impact)



Functional Area 03 | Learning and Development (10%)

Contributing to the organizations learning and development activities by implementing and evaluating programs, providing internal consultation, and providing data.

Responsibilities:

01 Provide consultation to managers and employees on professional growth and development opportunities

02 Implement and evaluate career development and training programs (for example: career pathing, management training, mentorship)

03 Contribute to succession planning discussions with management by providing relevant data Knowledge of:

25 Applicable federal laws and regulations related to learning and development activities

26 Learning and development theories and applications

27 Training program facilitation, techniques, and delivery

28 Adult learning processes

29 Instructional design principles and processes (for example: needs analysis, process flow mapping)

30 Techniques to assess training program effectiveness, including use of applicable metrics

31 Organizational development (OD) methods, motivation methods, and problem-solving techniques

32 Task/process analysis

33 Coaching and mentoring techniques

34 Employee retention concepts and applications

35 Techniques to encourage creativity and innovation



Functional Area 04 | Total Rewards (15%)

Implementing, promoting, and managing compensation and benefit programs in compliance with federal laws.

Responsibilities:

01 Manage compensation-related information and support payroll issue resolution

02 Implement and promote awareness of non-cash rewards (for example: paid volunteer time, tuition assistance, workplace amenities, and employee recognition programs)

03 Implement benefit programs (for example: health plan, retirement plan, employee assistance plan, other insurance)

04 Administer federally compliant compensation and benefit programs Knowledge of:

36 Applicable federal laws and regulations related to total rewards

37 Compensation policies, processes, and analysis

38 Budgeting, payroll, and accounting practices related to compensation and benefits

39 Job analysis and evaluation concepts and methods

40 Job pricing and pay structures

41 Non-cash compensation

42 Methods to align and benchmark compensation and benefits

43 Benefits programs policies, processes, and analysis



Functional Area 05 | Employee and Labor Relations (39%)

Manage, monitor, and/or promote legally compliant programs and policies that impact the employee experience throughout the employee lifecycle.

Responsibilities:

01 Analyze functional effectiveness at each stage of the employee lifecycle (for example: hiring, onboarding, development, retention, exit process, alumni program) and identify alternate approaches as needed

02 Collect, analyze, summarize, and communicate employee engagement data

03 Understand organizational culture, theories, and practices; identify opportunities and make recommendations

04 Understand and apply knowledge of programs, federal laws, and regulations to promote outreach, diversity and inclusion (for example: affirmative action, employee resource groups, community outreach, corporate responsibility)

05 Implement and support workplace programs relative to health, safety, security, and privacy following federal laws and regulations (for example: OSHA, workers compensation, emergency response, workplace violence, substance abuse, legal postings)

06 Promote organizational policies and procedures (for example: employee handbook, SOPs, time and attendance, expenses)

07 Manage complaints or concerns involving employment practices, behavior, or working conditions, and escalate by providing information to appropriate stakeholders

08 Promote techniques and tools for facilitating positive employee and labor relations with knowledge of applicable federal laws affecting union and nonunion workplaces (for example: dispute/conflict resolution, anti-discrimination policies, sexual harassment)

09 Support and consult with management in performance management process (for example: employee reviews, promotions, recognition programs)

10 Support performance activities (for example: coaching, performance improvement plans, involuntary separations) and employment activities (for example: job eliminations, reductions in force) by managing corresponding legal risks

Knowledge of:

44 General employee relations activities and analysis (for example, conducting investigations, researching grievances, working conditions, reports, etc.)

45 Applicable federal laws and procedures affecting employment, labor relations, safety, and security

46 Human relations, culture and values concepts, and applications to employees and organizations

47 Review and analysis process for assessing employee attitudes, opinions, and satisfaction

48 Diversity and inclusion

49 Recordkeeping requirements

50 Occupational injury and illness prevention techniques

51 Workplace safety and security risks

52 Emergency response, business continuity, and disaster recovery process

53 Internal investigation, monitoring, and surveillance techniques

54 Data security and privacy

55 The collective bargaining process, terms, and concepts (for example: contract negotiation, costing, administration)

56 Performance management process, procedures, and analysis

57 Termination approaches, concepts, and terms



Killexams Review | Reputation | Testimonials | Feedback


Were given no problem! 3 days practise latest PHR real test questions is needed.
I purchased the killexams.com material because of the EC questions, and it proved to be just as beneficial as I hoped. If you're looking for targeted prep material, I highly recommend killexams.com.


Download these real PHR questions and study help.
I want to express my sincere gratitude to killexams.com for helping me pass the PHR test with their mock exams. They were incredibly helpful, and I would absolutely recommend them to anyone preparing to take the PHR exam.


Where can I obtain PHR real test questions?
Recently, I took the PHR test and scored a perfect 100%, thanks to killexams.com. I was pleasantly surprised to find that the test questions were similar to those provided by killexams.com. I highly recommend killexams.com for anyone preparing for an exam, as it covers all subjects thoroughly.


Take a smart move to pass PHR
In today's competitive world, acquiring certifications like PHR is essential for career advancement. The flood of books and study courses can often confuse students during their test preparation. However, with the help of killexams.com questions and answers, students can pass the test with confidence and ease. I am grateful to the organization for providing this valuable resource.


Weekend study is enough to pass PHR test with Questions Answers I got.
I am delighted to have used killexams.com's instruction kit to pass the PHR test and become certified. Their coaching device is clear and dependable, and I am grateful for the real questions within the package. As a busy IT professional, I could not afford to study full-time for weeks or months, and killexams.com allowed me to streamline my preparation time and still achieve incredible results. It is a remarkable solution for IT professionals looking to pass the PHR exam.


HR (HRCI braindumps

   




Obviously it is hard task to pick solid certification Questions Answers 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 ACTUAL EXAM QUESTIONS update and validity. The vast majority of customers scam by resellers come to us for the ACTUAL EXAM QUESTIONS 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 ACTUAL EXAM QUESTIONS, killexams PDF questions, killexams questions bank, killexams VCE test simulator. Visit their specimen questions and test ACTUAL EXAM QUESTIONS, their test simulator and you will realize that killexams.com is the best brain dumps site.

Which is the best dumps website?
Certainly, Killexams is 100 percent legit as well as fully well-performing. There are several characteristics that makes killexams.com genuine and reliable. It provides latest and 100 percent valid ACTUAL EXAM QUESTIONS containing real exams questions and answers. Price is suprisingly low as compared to almost all services online. The Questions Answers are up graded on typical basis utilizing most latest brain dumps. Killexams account make and supplement delivery can be quite fast. Submit downloading will be unlimited and fast. Help support is avaiable via Livechat and Electronic mail. These are the characteristics that makes killexams.com a sturdy website that supply ACTUAL EXAM QUESTIONS with real exams questions.



Is killexams.com test material dependable?
There are several Questions Answers 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 2024 that understands the issue candidates face when they spend their time studying obsolete contents taken from free pdf download sites or reseller sites. Thats why killexams.com update test Questions Answers with the same frequency as they are updated in Real Test. ACTUAL EXAM QUESTIONS provided by killexams.com are Reliable, Up-to-date and validated by Certified Professionals. They maintain dumps collection 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 download 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 Questions Answers will be provided in your download Account. You can download Premium ACTUAL EXAM QUESTIONS 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 Exam Center and Enjoy your Success.




Salesforce-Certified-Marketing-Cloud-Consultant practice questions | SBAC test practice | PCNS-BC test test | ASSM english test questions | 300-615 real questions | E20-375 free test papers | CMA writing test questions | AACN-CCRN-K dumps | CCC online test | 200-301 bootcamp | DANB practice test | PDDM PDF download | ACLS test questions | CGRN test prep | LRP-614 test Questions | NCBDE-CDE past exams | AZ-104 prep questions | EADC free prep | PMI-002 free pdf | AHN-BC real questions |


PHR - Professional in Human Resources (HRCI PHR) Real test Questions
PHR - Professional in Human Resources (HRCI PHR) certification
PHR - Professional in Human Resources (HRCI PHR) test format
PHR - Professional in Human Resources (HRCI PHR) braindumps
PHR - Professional in Human Resources (HRCI PHR) test prep
PHR - Professional in Human Resources (HRCI PHR) study help
PHR - Professional in Human Resources (HRCI PHR) study tips
PHR - Professional in Human Resources (HRCI PHR) PDF Dumps
PHR - Professional in Human Resources (HRCI PHR) test success
PHR - Professional in Human Resources (HRCI PHR) exam
PHR - Professional in Human Resources (HRCI PHR) Cheatsheet
PHR - Professional in Human Resources (HRCI PHR) test contents
PHR - Professional in Human Resources (HRCI PHR) education
PHR - Professional in Human Resources (HRCI PHR) test Questions
PHR - Professional in Human Resources (HRCI PHR) test
PHR - Professional in Human Resources (HRCI PHR) PDF Download
PHR - Professional in Human Resources (HRCI PHR) test Braindumps
PHR - Professional in Human Resources (HRCI PHR) PDF Braindumps
PHR - Professional in Human Resources (HRCI PHR) real Questions
PHR - Professional in Human Resources (HRCI PHR) course outline
PHR - Professional in Human Resources (HRCI PHR) test format
PHR - Professional in Human Resources (HRCI PHR) questions
PHR - Professional in Human Resources (HRCI PHR) study help
PHR - Professional in Human Resources (HRCI PHR) test contents
PHR - Professional in Human Resources (HRCI PHR) Practice Questions
PHR - Professional in Human Resources (HRCI PHR) techniques
PHR - Professional in Human Resources (HRCI PHR) syllabus
PHR - Professional in Human Resources (HRCI PHR) Free PDF
PHR - Professional in Human Resources (HRCI PHR) Questions and Answers
PHR - Professional in Human Resources (HRCI PHR) cheat sheet
PHR - Professional in Human Resources (HRCI PHR) information search
PHR - Professional in Human Resources (HRCI PHR) answers
PHR - Professional in Human Resources (HRCI PHR) Practice Test
PHR - Professional in Human Resources (HRCI PHR) tricks
PHR - Professional in Human Resources (HRCI PHR) PDF Download
PHR - Professional in Human Resources (HRCI PHR) Question Bank
PHR - Professional in Human Resources (HRCI PHR) answers
PHR - Professional in Human Resources (HRCI PHR) book
PHR - Professional in Human Resources (HRCI PHR) test Braindumps
PHR - Professional in Human Resources (HRCI PHR) information search
PHR - Professional in Human Resources (HRCI PHR) Real test Questions
PHR - Professional in Human Resources (HRCI PHR) test Questions
PHR - Professional in Human Resources (HRCI PHR) Practice Test
PHR - Professional in Human Resources (HRCI PHR) braindumps

Other HR ACTUAL EXAM QUESTIONS


GPHR Question Bank | DSST-HRM Study Guide | SPHR question test | PET Cheatsheet | PHR study material |


Best ACTUAL EXAM QUESTIONS You Ever Experienced


SPLK-1001 Question Bank | CFSW Practice Test | S2000-005 model question | 001-ARXConfig braindumps | PCCET cram | NCEES-FE demo questions | 212-055 braindumps | 78201X ACTUAL EXAM QUESTIONS | Magento-Certified-Professional-Cloud-Developer questions and answers | RPFT free prep | CFE-FT-FS study guide | AACE-PSP Practice test | 300-610 past bar exams | 8008 cheat sheet pdf | AZ-304 free pdf | DEE-1111 practice exam | CPQ-211 pdf download | ECBA practice exam | 2V0-62.21 practice test | 1T6-520 free pdf |





References :


https://killexams-posting.dropmark.com/817438/23572297
https://www.instapaper.com/read/1318719404
http://killexams-braindumps.blogspot.com/2020/07/these-phr-pdf-braindumps-are-very.html
https://killexams-posting.dropmark.com/817438/23792585
https://www.blogger.com/comment.g?blogID=9877556&postID=112141651608874163&page=1&token=1597145260130
https://youtu.be/c7xlWmvWhIs
https://www.coursehero.com/file/74608364/Professional-in-Human-Resources-PHR-PHRpdf/
https://sites.google.com/view/killexams-phr-real-exam-questi
https://files.fm/f/hxkvefxrn
http://feeds.feedburner.com/RealVcs-252QuestionsThatAppearedInTestToday



Similar Websites :
Pass4sure Certification ACTUAL EXAM QUESTIONS
Pass4Sure test Questions and Dumps






Direct Download

PHR 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.

PHR Reviews

100% Valid and Up to Date PHR 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