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 PMBOK-5th?
Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der PMBOK-5th: Project Management 5th Edition Prüfung.
2023 Updated Actual PMBOK-5th questions as experienced in Test Center
Aktuelle PMBOK-5th Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz
 PMI PMBOK-5th : Project Management 5th Edition ACTUAL EXAM QUESTIONSExam Dumps Organized by Richard |
Latest 2023 Updated PMI Project Management 5th Edition Syllabus
PMBOK-5th ACTUAL EXAM QUESTIONS / Braindumps contains genuine test Questions
Practice Tests and Free VCE Software - Questions Updated on Daily Basis
Big Discount / Cheapest price & 100% Pass Guarantee
PMBOK-5th Exam Center Questions : Download 100% Free PMBOK-5th ACTUAL EXAM QUESTIONS (PDF and VCE)
Exam Number : PMBOK-5th
Exam Name : Project Management 5th Edition
Vendor Name : PMI
Update : Click Here to Check Latest Update
Question Bank : Check Questions
Make sure you success with legit PMBOK-5th PDF Dumps that appeared today.
Many candidates who have gone through the PMBOK-5th test feel that PMBOK-5th test questions are entirely different from the PMBOK-5th digital book and course books. They take this issue seriously and have collected the most refreshed, latest, and legitimate PMBOK-5th PDF Questions to create a database that will assist candidates in passing the test with excellent grades.
If you're looking for the latest and most up-to-date ACTUAL EXAM QUESTIONS to pass the PMI PMBOK-5th test and land a high-paying job, look no further than killexams.com. By enrolling with their exceptional discount coupons, you can obtain the 2023-refreshed genuine PMBOK-5th questions. Their team of experts works tirelessly to gather genuine PMBOK-5th test questions, ensuring you'll pass the PMBOK-5th test with ease. Plus, with a 100% discount guarantee, you can obtain refreshed PMBOK-5th test questions for free every time.
While some organizations may offer PMBOK-5th PDF Braindumps, it's crucial to ensure you have the most valid and 2023-up-to-date PMBOK-5th PDF Dumps. Don't rely on free dumps available on the web - instead, reconsider killexams.com for the most reliable PMBOK-5th PDF Dumps available. Don't miss out on your opportunity to pass the PMI PMBOK-5th test and advance your career - enroll with killexams.com today.
PMBOK-5th test Format | PMBOK-5th Course Contents | PMBOK-5th Course Outline | PMBOK-5th test Syllabus | PMBOK-5th test Objectives
Killexams Review | Reputation | Testimonials | Feedback
Where can i obtain PMBOK-5th test study help?
I am thrilled to have had the opportunity to use your braindumps and software for my PMI tests. Your software was instrumental in my test preparation and helped me tremendously.
Can i obtain updated dumps Questions & Answers of PMBOK-5th exam?
Thanks to killexams.com, I had access to valid test Q&A that helped me pass the PMBOK-5th test with ease. Despite not having spent much time studying, I found the questions to be accurate and relevant. Even if one has only basic knowledge of the PMBOK-5th test and its services, they can still pass using this package. Although the vast amount of data initially confused me, I eventually began to understand and had an enjoyable experience with killexams.com.
Dumps of PMBOK-5th test are available now.
Thanks to killexams.com, I had the equipment and self-belief to crack the PMBOK-5th exam. The website offers valuable facts to help acquire success in the PMBOK-5th guide, and I discovered the PMBOK-5th education software program. The software outlines each subject and puts queries in random order just like the test. It offers marks that evaluate oneself on unique parameters.
It is brilliant great to read PMBOK-5th test with genuine test questions.
Studying for the PMBOK-5th test was initially challenging for me, but after weeks of using killexams.com questions and answers, I was able to answer 95% of the questions during the exam. Today, I work as a trainer in the coaching business, and I owe my success to killexams.com. I used to struggle with managing my time between work and study, but thanks to killexams, I was able to plan effectively for the exam.
Do you need real qustions and answers of PMBOK-5th test to pass the exam?
Thanks to killexams.com, I passed the PMBOK-5th exam. The questions, subjects, and test courses were accurate. The format of the test was convenient and flexible, allowing me to practice in various formats. I especially enjoyed using the test simulator, which completely simulated the test and was vital for the PMBOK-5th exam. I will continue to use killexams.com for my future certification exams.
PMI Management book
Project Management CertificateStart DateSat, Sep 9, 2023 LocationOnline Cost$430.00 Seats Available26 Start DateFri, Sep 15, 2023 LocationOnline Cost$860.00 Seats Available25 Start DateSat, Sep 16, 2023 LocationOnline Cost$430.00 Seats Available32 Start DateFri, Oct 13, 2023 LocationOnline Cost$860.00 Seats Available3 Start DateFri, Oct 20, 2023 LocationOnline Cost$860.00 Seats Available34 Start DateFri, Nov 3, 2023 LocationOnline Cost$860.00 Seats Available15 Start DateFri, Nov 10, 2023 LocationOnline Cost$860.00 Seats Available32 Start DateFri, Nov 17, 2023 LocationOnline Cost$860.00 Seats Available15 Start DateSat, Nov 25, 2023 LocationOnline Cost$430.00 Seats Available34 Start DateFri, Dec 1, 2023 LocationOnline Cost$430.00 Seats Available17 Start DateSat, Dec 2, 2023 LocationOnline Cost$430.00 Seats Available19 Start DateFri, Dec 15, 2023 LocationOnline Cost$430.00 Seats Available26 Start DateSat, Dec 16, 2023 LocationOnline Cost$430.00 Seats Available26 Start DateFri, Jan 12, 2024 LocationOnline Cost$430.00 Seats Available34 Start DateSat, Jan 13, 2024 LocationOnline Cost$430.00 Seats Available34 Start DateFri, Jan 26, 2024 LocationOnline Cost$860.00 Seats Available34 Start DateFri, Feb 9, 2024 LocationOnline Cost$860.00 Seats Available33 Start DateSat, Feb 24, 2024 LocationOnline Cost$430.00 Seats Available35 Start DateFri, Mar 1, 2024 LocationOnline Instructor- Cost$860.00 Seats Available35 Start DateFri, Mar 22, 2024 LocationOnline Instructor- Cost$860.00 Seats Available34 Start DateFri, Apr 12, 2024 LocationOnline Cost$860.00 Seats Available34 Start DateFri, Apr 26, 2024 LocationOnline Cost$860.00 Seats Available35 Start DateFri, May 10, 2024 LocationOnline Cost$430.00 Seats Available35 Start DateSat, May 11, 2024 LocationOnline Cost$430.00 Seats Available35 Start DateFri, May 24, 2024 LocationOnline Instructor- Cost$430.00 Seats Available35 Start DateSat, May 25, 2024 LocationOnline Cost$430.00 Seats Available35 Start DateFri, Jun 7, 2024 LocationOnline Cost$430.00 Seats Available35 Start DateSat, Jun 8, 2024 LocationOnline Cost$430.00 Seats Available35 Start DateFri, Jun 21, 2024 LocationOnline Cost$860.00 Seats Available35 Start DateFri, Jul 5, 2024 LocationOnline Cost$860.00 Seats Available35 Start DateSat, Jul 20, 2024 LocationOnline Cost$430.00 Seats Available35 Start DateFri, Sep 20, 2024 LocationOnline Instructor- Cost$860.00 Seats Available35 Start DateFri, Oct 4, 2024 LocationOnline Instructor- Cost$860.00 Seats Available35 Start DateFri, Nov 1, 2024 LocationOnline Cost$860.00 Seats Available35 Start DateFri, Nov 15, 2024 LocationOnline Cost$860.00 Seats Available35 Start DateFri, Nov 29, 2024 LocationOnline Cost$430.00 Seats Available35 Start DateSat, Nov 30, 2024 LocationOnline Cost$430.00 Seats Available35 Start DateFri, Dec 13, 2024 LocationOnline Instructor- Cost$430.00 Seats Available35 Start DateSat, Dec 14, 2024 LocationOnline Cost$430.00 Seats Available35 August PMIs Fall More Than Expected: Manufacturing Contracts, Services Ebb, Raising Economic ConcernsNo result found, try new keyword!The S&P Global US Manufacturing PMI fell from 49 in July to 47 in August, well below market expectations of 49.3. This marks the second-largest monthly decline in 2023. Reduced new sales prompted ...EUR/USD Forecast: Sellers look to retain control following dismal PMI dataShare: Following a modest recovery attempt in the early European session on Wednesday, EUR/USD came under renewed bearish pressure and dropped to its weakest level since June 15 near 1.0800. HCOB Services PMI in Germany dropped below 50 for the first time since this year in August, showing a contraction in the services sector's business activity. Although HCOB Manufacturing PMI edged slightly higher to 39.1 from 38.8 in July, it failed to help the Euro shake off the selling pressure. Commenting on the survey's findings, "any hope that the service sector might rescue the German economy has evaporated," noted Dr. Cyrus de la Rubia, Chief Economist at Hamburg Commercial Bank. "Instead, the service sector is about to join the recession in manufacturing, which looks to have started in the second quarter," he added and said that their GDP nowcast model now indicates a deeper fall of the whole economy than it did before, at almost -1%. In the meantime, HCOB Services PMI for the Eurozone fell to 48.3 from 50.9 in the same period. Euro price todayThe table below shows the percentage change of Euro (EUR) against listed major currencies today. Euro was the weakest against the Japanese Yen. USD EUR GBP CAD AUD JPY NZD CHF USD 0.19% 0.06% 0.03% 0.01% -0.19% 0.02% -0.03% EUR -0.19% -0.10% -0.16% -0.18% -0.39% -0.18% -0.23% GBP -0.09% 0.10% -0.07% -0.08% -0.30% -0.05% -0.10% CAD -0.04% 0.15% 0.06% -0.02% -0.23% -0.02% -0.08% AUD -0.04% 0.19% 0.06% 0.03% -0.20% 0.01% -0.04% JPY 0.20% 0.38% 0.25% 0.23% 0.23% 0.21% 0.15% NZD -0.02% 0.18% 0.08% 0.01% 0.00% -0.20% -0.06% CHF 0.04% 0.24% 0.13% 0.07% 0.05% -0.16% 0.06%The heat map shows percentage changes of major currencies against each other. The base currency is picked from the left column, while the quote currency is picked from the top row. For example, if you pick the Euro from the left column and move along the horizontal line to the Japanese Yen, the percentage change displayed in the box will represent EUR (base)/JPY (quote). Later in the day, S&P Global will publish preliminary August Manufacturing and Services PMI data for the US. In case the Services PMI unexpectedly drops below 50, the US Dollar could weaken against its rivals and help EUR/USD limit its losses. It's worth noting that US stock index futures trade in positive territory in the European session. A positive opening in Wall Street could make it difficult for the USD to gather further strength even if PMI figures highlight the resilience of the US private sector. EUR/USD Technical Analysis
EUR/USD returned within the descending regression channel and the Relative Strength Index (RSI) dropped below 40, reflecting a buildup of bearish momentum. On the downside, 1.0800 (psychological level, static level, lower limit of the descending channel) aligns as immediate support. In case the RSI falls below 30 when EUR/USD drops to that level, investors could book their profits and wait for a technical correction before betting on further Euro weakness. Below 1.0800, 1.0760 (static level) and 1.0740 (static level) could be seen as next bearish targets in the near term. EUR/USD faces first resistance at 1.0840 (mid-point of the descending channel) before 1.0870 (20-period Simple Moving Average (SMA), upper limit of the descending channel) and 1.0900 (psychological level, 50-period SMA). Information on these pages contains forward-looking statements that involve risks and uncertainties. Markets and instruments profiled on this page are for informational purposes only and should not in any way come across as a recommendation to buy or sell in these assets. You should do your own thorough research before making any investment decisions. FXStreet does not in any way certain that this information is free from mistakes, errors, or material misstatements. It also does not certain that this information is of a timely nature. Investing in Open Markets involves a great deal of risk, including the loss of all or a portion of your investment, as well as emotional distress. All risks, losses and costs associated with investing, including total loss of principal, are your responsibility. The views and opinions expressed in this article are those of the authors and do not necessarily reflect the official policy or position of FXStreet nor its advertisers. The author will not be held responsible for information that is found at the end of links posted on this page. If not otherwise explicitly mentioned in the body of the article, at the time of writing, the author has no position in any stock mentioned in this article and no business relationship with any company mentioned. The author has not received compensation for writing this article, other than from FXStreet. FXStreet and the author do not provide personalized recommendations. The author makes no representations as to the accuracy, completeness, or suitability of this information. FXStreet and the author will not be liable for any errors, omissions or any losses, injuries or damages arising from this information and its display or use. Errors and omissions excepted. The author and FXStreet are not registered investment advisors and nothing in this article is intended to be investment advice. |
While it is very hard task to choose reliable certification questions / answers resources with respect to review, reputation and validity because people get ripoff due to choosing wrong service. Killexams.com make it sure to serve its clients best to its resources with respect to ACTUAL EXAM QUESTIONS update and validity. Most of other's ripoff report complaint clients come to us for the brain dumps and pass their exams happily and easily. They never compromise on their review, reputation and quality because killexams review, killexams reputation and killexams client confidence is important to us. Specially they take care of killexams.com review, killexams.com reputation, killexams.com ripoff report complaint, killexams.com trust, killexams.com validity, killexams.com report and killexams.com scam. The same care that they take about killexams review, killexams reputation, killexams ripoff report complaint, killexams trust, killexams validity, killexams report and killexams scam. If you see any false report posted by their competitors with the name killexams ripoff report complaint internet, killexams ripoff report, killexams scam, killexams.com complaint or something like this, just keep in mind that there are always bad people damaging reputation of good services due to their benefits. There are thousands of satisfied customers that pass their exams using killexams.com brain dumps, killexams PDF questions, killexams practice questions, killexams test simulator. Visit Their sample questions and sample brain dumps, their test simulator and you will definitely know that killexams.com is the best brain dumps site.
Which is the best dumps website?
Absolutely yes, Killexams is 100 % legit and even fully reputable. There are several options that makes killexams.com unique and legitimate. It provides recent and 100 % valid ACTUAL EXAM QUESTIONS comprising real exams questions and answers. Price is very low as compared to the majority of the services on internet. The Q&A are up graded on typical basis along with most recent brain dumps. Killexams account set up and item delivery is really fast. File downloading is unlimited as well as fast. Assistance is avaiable via Livechat and Contact. These are the features that makes killexams.com a sturdy website that offer ACTUAL EXAM QUESTIONS with real exams questions.
Is killexams.com test material dependable?
There are several Q&A 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 2023 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 Q&A 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 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 Q&A will be provided in your obtain Account. You can obtain Premium ACTUAL EXAM QUESTIONS 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.
MB-920 Test Prep | NS0-003 practice questions | NCLEX-PN test test | TCRN test Braindumps | 102-500 cram | C1000-083 practice test | Google-PCD boot camp | CBEST braindumps | 4A0-M01 test papers | FSMC Practice Questions | 4A0-100 study questions | MB-330 Study Guide | HPE6-A47 PDF Dumps | ACE-A1.2 test questions | 500-301 training material | 820-605 study guide | CCSPA questions obtain | Scrum-Master-Certified practice test | CFE pdf obtain | VCS-260 practice test |
PMBOK-5th - Project Management 5th Edition test prep
PMBOK-5th - Project Management 5th Edition information source
PMBOK-5th - Project Management 5th Edition Question Bank
PMBOK-5th - Project Management 5th Edition dumps
PMBOK-5th - Project Management 5th Edition syllabus
PMBOK-5th - Project Management 5th Edition PDF Download
PMBOK-5th - Project Management 5th Edition genuine Questions
PMBOK-5th - Project Management 5th Edition dumps
PMBOK-5th - Project Management 5th Edition Question Bank
PMBOK-5th - Project Management 5th Edition Questions and Answers
PMBOK-5th - Project Management 5th Edition test Questions
PMBOK-5th - Project Management 5th Edition information hunger
PMBOK-5th - Project Management 5th Edition study help
PMBOK-5th - Project Management 5th Edition tricks
PMBOK-5th - Project Management 5th Edition certification
PMBOK-5th - Project Management 5th Edition test prep
PMBOK-5th - Project Management 5th Edition test syllabus
PMBOK-5th - Project Management 5th Edition study help
PMBOK-5th - Project Management 5th Edition braindumps
PMBOK-5th - Project Management 5th Edition outline
PMBOK-5th - Project Management 5th Edition test
PMBOK-5th - Project Management 5th Edition tricks
PMBOK-5th - Project Management 5th Edition Cheatsheet
PMBOK-5th - Project Management 5th Edition test format
PMBOK-5th - Project Management 5th Edition study help
PMBOK-5th - Project Management 5th Edition test Questions
PMBOK-5th - Project Management 5th Edition questions
PMBOK-5th - Project Management 5th Edition guide
PMBOK-5th - Project Management 5th Edition test format
PMBOK-5th - Project Management 5th Edition PDF Dumps
PMBOK-5th - Project Management 5th Edition test Braindumps
PMBOK-5th - Project Management 5th Edition information search
PMBOK-5th - Project Management 5th Edition test contents
PMBOK-5th - Project Management 5th Edition book
PMBOK-5th - Project Management 5th Edition test prep
PMBOK-5th - Project Management 5th Edition test contents
PMBOK-5th - Project Management 5th Edition braindumps
PMBOK-5th - Project Management 5th Edition dumps
PMBOK-5th - Project Management 5th Edition braindumps
PMBOK-5th - Project Management 5th Edition Free PDF
PMBOK-5th - Project Management 5th Edition PDF Braindumps
PMBOK-5th - Project Management 5th Edition test Braindumps
PMBOK-5th - Project Management 5th Edition Real test Questions
PMBOK-5th - Project Management 5th Edition test contents
Other PMI ACTUAL EXAM QUESTIONS
PMI-001 test prep | PPM-001 Practice Test | PMBOK-5th free pdf | PfMP Practice test | PMP PDF Braindumps | PMP-Bundle test prep | PgMP prep questions | PMI-ACP Latest Questions | PMI-200 past exams | PMI-SP test questions | PMI-RMP certification sample | PMI-PBA ACTUAL EXAM QUESTIONS | PMI-002 Practice Questions | PMI-100 dump | CCE-CCC real questions | CAPM online exam |
Best ACTUAL EXAM QUESTIONS You Ever Experienced
Salesforce-Certified-Marketing-Cloud-Email-Specialist cbt | IAPP-CIPT test prep | 7220X prep questions | DMDI301 braindumps | PCNSA boot camp | 500-470 real questions | PAM-DEF Test Prep | NCLEX-RN free practice tests | 4A0-106 free prep | CTFL-2018 dump | AWS-CDBS free pdf | LSAT-reading-comprehension online exam | DCA certification sample | GMAT ACTUAL EXAM QUESTIONS | MAT practice exam | 300-510 test prep | NS0-003 practice test | ADM-201 online exam | 050-SEPROGRC-01 past exams | 2V0-01-19 cram |
References :
http://killexams-braindumps.blogspot.com/2020/06/do-not-waste-time-download-free-pmbok.html
https://www.instapaper.com/read/1319469827
http://feeds.feedburner.com/GetHighMarksInPmbok-5thExamWithTheseDumps
https://sites.google.com/view/killexams-pmbok-5th-exam-quest
https://youtu.be/emxCCwXTsRg
https://drp.mk/i/H6DTScgjpV
https://files.fm/f/dx28gkege
Similar Websites :
Pass4sure Certification ACTUAL EXAM QUESTIONS
Pass4Sure test Questions and Dumps
PMBOK-5th 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.
100% Valid and Up to Date PMBOK-5th 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