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 PMI-100?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der PMI-100: Certified Associate in Project Prüfung.

2025 Updated Actual PMI-100 questions as experienced in Test Center

Aktuelle PMI-100 Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz

PMI PMI-100 : Certified Associate in Project Practice Tests

Practice Tests Organized by Richard



Latest 2025 Updated PMI Certified Associate in Project Syllabus
PMI-100 dumps questions with Premium PDF and Test Engine

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




PMI-100 dumps questions : Download 100% Free PMI-100 practice tests (PDF and VCE)

Exam Number : PMI-100
Exam Name : Certified Associate in Project
Vendor Name : PMI
Update : Click Here to Check Latest Update
Question Bank : Check Questions

Today latest Pass4sure PMI-100 Real exam Questions
At killexams.com, they provide valid and up-to-date PMI PMI-100 Mock Questions that are accessible for download with just one click. They do not recommend wasting your time on free material. Simply sign up for a small payment and obtain your Certified Associate in Project Question Bank download account ready in a few minutes. Study their PMI-100 Free exam PDF and complete your exam.

Many candidates have given testimonials of passing the PMI-100 test with the help of their Question Bank. They are now working in great positions within their organizations. It is a fact that after using their PMI-100 Free PDF, they have seen improvements in their knowledge and skills. They can confidently work as experts in their respective fields. Their focus is not just on passing the PMI-100 test with their braindumps, but also on improving their candidates' understanding of PMI-100 goals and objectives. This is how individuals become successful in their careers.

If you are looking to pass the PMI PMI-100 test to get a job or advance your current position within your organization, then you should register at killexams.com. Their team of experts collects genuine PMI-100 test questions at killexams.com. You will receive Certified Associate in Project test questions to ensure that you pass the PMI-100 test. Every time you log in to your account, you will be able to download updated PMI-100 test questions. While there are many organizations that offer PMI-100 Practice Test, only valid and up-to-date 2025 PMI-100 Practice Questions are significant. Be careful relying solely on Free Dumps found on the internet, as you may fail the test. Therefore, paying a small fee for killexams PMI-100 genuine questions is a smart choice to avoid significant test expenses.







PMI-100 exam Format | PMI-100 Course Contents | PMI-100 Course Outline | PMI-100 exam Syllabus | PMI-100 exam Objectives


CAPM exam CONTENT OUTLINE (Learning Objectives)
1. Introduction to Project Management (6%)
1.1 Understand the five project management process groups and the processes within each group
1.2 Recognize the relationships among project, program, portfolio, and operational management
1.3 Define a typical project lifecycle
1.4 Understand the function and importance of tailoring for different projects
2. Project Environment (6%)
2.1 Identify the factors and assets that may impact the outcome of a project
2.2 Distinguish between organizational systems
2.3 Understand the purpose and activities of a Project Management Office
2.4 Recognize the hierarchy of projects, programs and portfolios
3. Role of the Project Manager (7%)
3.1 State the primary functions of a project manager
3.2 Understand a project managers sphere of influence
3.3 Identify the major elements included in the PMI triangle
3.4 Recognize the difference between leadership and management
4. Project Integration Management (9%)
4.1 Understand the seven project management processes in the project integration management knowledge area
4.2 Identify the input, tools, techniques and outputs defined in the seven processes in project integration management
4.3 Understand the purpose of project integration management and the project managers role within it
4.4 Identify concepts and procedures related to project change management
4.5 Identify tailoring consideration in project integration management and recognize key documents
4.6 Identify methods for project integration and knowledge management
5. Project Scope Management (9%)
5.1 Understand the six project management processes in the project scope management knowledge area
5.2 Identify the Input, tools, techniques and outputs defined in the six processes in project scope management
5.3 Identify key concepts and tailoring consideration for project scope management, and key roles in scope management
5.4 Identify the purpose and elements of a Work Breakdown Structure (WBS) for both Product and Project scope
5.5 Understand project scope management for agile/adaptive projects, including the use of prototypes
6. Project Schedule Management (9%)
6.1 Define the six project management processes in the project schedule management knowledge area
6.2 Identify the Input, tools, techniques and outputs defined in the six processes in project schedule management
6.3 Solve simple network diagrams problems and perform basic scheduling calculations
6.4 Identify considerations for agile/adaptive environments in project schedule management
7. Project Cost Management (8%)
7.1 Understand the four project management processes in the project cost management knowledge area
7.2 Identify the Input, tools, techniques and outputs defined in the four processes in project cost management
7.3 Identify key concepts in project cost management, including tailoring and special considerations for agile/adaptive environments
7.4 Understand and apply basic forecasting and earned value methods for project cost management
8. Project Quality Management (7%)
8.1 Understand the three project management processes in the project quality management knowledge area
8.2 Identify the Input, tools, techniques and outputs defined in the three quality management processes
8.3 Understand the reasons for and approaches to adapting quality management in different project environments
8.4 Identify quality tools and approaches for continuous improvement
9. Project Resource Management (8%)
9.1 Define the six project management processes in the project resource management knowledge area
9.2 Identify the Input, tools, techniques and outputs defined in the six processes in project resource management
9.3 Identify key concepts and trends in project resource management, including tailoring and special considerations for agile/adaptive environments
9.4 Identify techniques for developing a team, managing conflict, and resolving resource-related problems
9.5 Understand the components of a resource management plan and data representation techniques for managing project resources
10. Project Communication Management (10%)
10.1 Understand the three project management processes in the project communication management knowledge area
10.2 Identify the Input, tools, techniques and outputs defined in the three project communication management processes
10.3 Identify key concepts and approaches in project communication management,
including tailoring and special considerations for agile/adaptive environments
10.4 Recognize the dimensions of communication and components of a communications management plan
10.5 Identify communications skills and methods for project communication management
11. Project Risk Management (8%)
11.1 Understand the seven project management processes in the project risk management knowledge area
11.2 Identify the Input, tools, techniques and outputs defined in project risk management
11.3 Identify the key documents in project risk management
11.4 Perform simple risk calculations
11.5 Recognize when and how to adjust risk based on the project environment
12. Project Procurement Management (4%)
12.1 Understand the three processes in the project procurement management knowledge area
12.2 Identify the Input, tools, techniques and outputs defined in the three project procurement processes
12.3 Identify key concepts and tailoring considerations for project procurement management, including trends and emerging practices
12.4 Identify various types of contracts, agreements, and source selection methods
13. Project Stakeholder Management (9%)
13.1 Understand the four project management processes in the project stakeholder management knowledge area
13.2 Identify the Input, tools, techniques and outputs defined in the four project stakeholder management processes
13.3 Recognize key stakeholders roles and needs
13.4 Identify the key concepts and benefits of stakeholder management



Killexams Review | Reputation | Testimonials | Feedback


I need updated practice tests for the PMI-100 exam.
Thanks to killexams.com, I passed the PMI-100 exam with top marks and am overjoyed. This coaching kit is an excellent preparation device, and I'm grateful to have found it. The questions within the package are genuine, and I chose it because it was recommended by a friend as a dependable way to streamline my exam training. Like many other busy IT experts, I couldn't afford to study full-time for weeks or months, and killexams.com allowed me to reduce my study time while still achieving a great result.


Feeling difficulty passing the PMI-100 exam? You must be kidding!
I passed the PMI-100 exam on my first attempt, thanks to killexams.com's questions and answers. The package helped me utilize my work ebook knowledge in a question and answer format. I used an exam simulator to answer the query papers and got a complete idea of the exam paper. I would like to thank Killexams for their valuable support.


Did you attempt this great source of updated PMI-100 practice tests?
With the help of killexams.com, I never feel alone during exams anymore. Their study material and teachers' guidance are available at any time of the day, and all my questions are answered promptly. I am grateful to their friendly and helpful teachers for making it possible for me to pass my tough PMI-100 exam with their study material, including self-study.


Am I able to find the phone number for the latest PMI-100 certification?
I would like to express my gratitude to killexams.com for providing the best practice tests for the PMI-100 exam. The questions were real and accurate, and I found this exam preparation guide to be beyond my expectations. I have already recommended this site to my colleagues who passed the PMI-100 exam, and I highly recommend it to anyone looking for dependable testprep.


These PMI-100 Questions and Answers work well in the real exam.
Thanks to these study guides, I passed my PMI-100 exam last week and another exam earlier this month! As many others have pointed out, these practice exam are an excellent resource for both exam preparation and expanding your knowledge. During the exams, I encountered several questions, and fortunately, I knew all the answers!


PMI Project exam syllabus

PMI-100 Exam

User: Tawnya*****

Killexams.com is an exceptional resource for passing exams. I am grateful for their Questions and Answers exam preparation, which helped me achieve success in the pmi-100 exam. Three weeks prior to the exam, I started studying with the help of this guide, and it worked like a charm. I scored an 89%, demonstrating my ability to complete the exam within the allotted time.
User: Una*****

I have been using Killexams.com for years to study for IT exams, and they always provide reliable materials. The pmi-100 exam was no exception. I used their questions/answers and exam simulator, and they were both authentic and valid. I have only heard good things about their customer service, although I have never needed to contact them myself.
User: Facundo*****

Killexams.com is trustworthy, and everything provided is reliable. I had heard excellent reviews about Killexams, so I purchased it to prepare for my PMI-100 exam. It was as good as promised, with high-quality materials and an easy practice exam. I passed the PMI-100 exam with a score of 96%.
User: Joseph*****

I am pleased to announce that I have passed my pmi-100 exam with ease. While the dumps questions from killexams.com did not fully cover all the questions asked during the exam, it did help me prepare and become technically sound with the material. Thank you, killexams.com, for helping me pass my pmi-100 exam with flying colors.
User: Logan*****

When preparing for my pmi-100 exam, I did not want to bother my father for help, so I turned to Killexams.com. It was a great gift to me, as this site was extremely useful in my exam preparation. I owe my notable marks to the dedication of the experts who provided helpful advice on this site.

PMI-100 Exam

Question: Where can I look for the latest PMI-100 cheatsheet?
Answer: You can find the latest PMI-100 cheatsheet at killexams.com. It makes it a lot easier to pass PMI-100 exam with killexams cheatsheets. You need the latest PMI-100 dumps questions of the new syllabus to pass the PMI-100 exam. These latest PMI-100 test prep are taken from real PMI-100 exam question bank, that's why these PMI-100 exam questions are sufficient to read and pass the exam. Although you can use other sources also for improvement of knowledge like textbooks and other aid material these PMI-100 questions are sufficient to pass the exam.
Question: What will I do if my killexams account expires?
Answer: You should contact support to get a discount coupon for an account extension. You can extend your account at a very cheap price. The extension could be for 3 months, 6 months, or 1 year. If you like to extend for a single month, you can get it at the cheapest price.
Question: The exam that I purchased is retired, What should I do?
Answer: If you found that the exam that you buy is retired and you can not take the exam anymore. You should contact support or sales and provide the exam code and ask to switch to the exam that you want. But the exam you ask to setup should be on the exam list at https://killexams.com/vendors-exam-list
Question: Are these exact questions from PMI-100 actual test?
Answer: Yes. Killexams provide up-to-date actual PMI-100 test questions that are taken from the PMI-100 question bank. These questions' answers are Checked by experts before they are included in the PMI-100 question bank. By memorizing and practicing these PMI-100 dumps, you will surely pass your exam on the first attempt.
Question: Where can I find free PMI-100 actual questions and questions?
Answer: Killexams online account is the best place where you can download up-to-date and latest PMI-100 test prep questions. Killexams recommend these PMI-100 questions to memorize before you go for the actual exam because this PMI-100 dumps questions contains to date and 100% valid PMI-100 dumps questions with the new syllabus. Killexams has provided the shortest PMI-100 questions for busy people to pass PMI-100 exam without memorizing massive course books. If you go through these PMI-100 questions, you are more than ready to take the test. They recommend taking your time to study and practice PMI-100 practice exam until you are sure that you can answer all the questions that will be asked in the actual PMI-100 exam. For a full version of PMI-100 test prep, visit killexams.com and register to download the complete dumps questions of PMI-100 exam test prep. These PMI-100 exam questions are taken from actual exam sources, that's why these PMI-100 exam questions are sufficient to read and pass the exam. Although you can use other sources also for improvement of knowledge like textbooks and other aid material these PMI-100 questions are sufficient to pass the exam.
PMI+Project+exam+syllabus
https://www.pass4surez.com/art/read.php?keyword=PMI+Project+exam+syllabus&lang=us&links=remove



While it is hard job to pick solid certification questions/answers regarding review, reputation and validity since individuals get sham because of picking incorrec service. Killexams.com ensure to serve its customers best to its efforts as for actual questions update and validity. Most of other's post false reports with objections about us for the brain dumps bout their customers pass their exams cheerfully and effortlessly. They never bargain on their review, reputation and quality because killexams review, killexams reputation and killexams customer certainty is imperative to us. Extraordinarily they deal with false killexams.com review, killexams.com reputation, killexams.com scam reports. killexams.com trust, killexams.com validity, killexams.com report and killexams.com that are posted by genuine customers is helpful to others. If you see any false report posted by their opponents with the name killexams scam report on web, killexams.com score reports, killexams.com reviews, killexams.com protestation or something like this, simply remember there are constantly terrible individuals harming reputation of good administrations because of their advantages. Most clients that pass their exams utilizing killexams.com brain dumps, killexams PDF questions, killexams practice questions, killexams exam VCE simulator. Visit their example questions and test brain dumps, their exam simulator and you will realize that killexams.com is the best actual questions site.

Which is the best practice tests website?
You bet, Killexams is 100 percent legit and even fully reputable. There are several options that makes killexams.com real and legit. It provides up to par and 100 percent valid exam questions that contains real exams questions and answers. Price is nominal as compared to almost all services online. The Questions and Answers are up graded on normal basis using most exact questions. Killexams account build up and supplement delivery is very fast. Report downloading is normally unlimited and fast. Guidance is avaiable via Livechat and Netmail. These are the features that makes killexams.com a robust website that offer exam prep with real exams questions.



Is killexams.com test material dependable?
There are several Questions and Answers 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 2025 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 exam Questions and Answers with the same frequency as they are updated in Real Test. exam questions 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 subjects of new syllabus, They recommend to download 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 Questions and Answers will be provided in your download Account. You can download Premium practice exam files as many times as you want, There is no limit.

Killexams.com has provided VCE practice 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.




ISO-IEC-27001-Lead-Auditor free pdf download | DES-9131 exam Cram | S90.02A mock test | DES-1423 free questions | 920-338 exam Questions | SCA-C01 practice exam | 3X0-201 exam prep | NSE7_EFW-7.0 Real exam Questions | HPE0-S54 free exam papers | ICBRR question test | PHNA-BC exam prep | SAFe-Agilist pdf download | H12-221 bootcamp | 630-006 Latest Questions | PNCB-PMHS exam prep | S2000-005 study guide | S1000-009 PDF download | 5V0-11.21 download | JN0-1302 free practice exam | HCAHD practice exam |


PMI-100 - Certified Associate in Project Study Guide
PMI-100 - Certified Associate in Project testing
PMI-100 - Certified Associate in Project PDF download
PMI-100 - Certified Associate in Project testing
PMI-100 - Certified Associate in Project PDF Download
PMI-100 - Certified Associate in Project test
PMI-100 - Certified Associate in Project test questions
PMI-100 - Certified Associate in Project study help
PMI-100 - Certified Associate in Project real questions
PMI-100 - Certified Associate in Project Study Guide
PMI-100 - Certified Associate in Project exam contents
PMI-100 - Certified Associate in Project course outline
PMI-100 - Certified Associate in Project outline
PMI-100 - Certified Associate in Project Real exam Questions
PMI-100 - Certified Associate in Project test questions
PMI-100 - Certified Associate in Project practice tests
PMI-100 - Certified Associate in Project guide
PMI-100 - Certified Associate in Project PDF Questions
PMI-100 - Certified Associate in Project Study Guide
PMI-100 - Certified Associate in Project test
PMI-100 - Certified Associate in Project tricks
PMI-100 - Certified Associate in Project real questions
PMI-100 - Certified Associate in Project Practice Questions
PMI-100 - Certified Associate in Project exam Questions
PMI-100 - Certified Associate in Project information source
PMI-100 - Certified Associate in Project information search
PMI-100 - Certified Associate in Project study help
PMI-100 - Certified Associate in Project information hunger
PMI-100 - Certified Associate in Project test
PMI-100 - Certified Associate in Project exam help
PMI-100 - Certified Associate in Project exam Questions
PMI-100 - Certified Associate in Project book
PMI-100 - Certified Associate in Project Latest Questions
PMI-100 - Certified Associate in Project PDF Download
PMI-100 - Certified Associate in Project Question Bank
PMI-100 - Certified Associate in Project outline
PMI-100 - Certified Associate in Project exam format
PMI-100 - Certified Associate in Project Questions and Answers
PMI-100 - Certified Associate in Project exam Questions
PMI-100 - Certified Associate in Project real questions
PMI-100 - Certified Associate in Project book
PMI-100 - Certified Associate in Project PDF questions
PMI-100 - Certified Associate in Project Premium PDF
PMI-100 - Certified Associate in Project Study Guide

Other PMI Practice Tests


PPM-001 test prep | PMI-100 questions answers | PMP-2024 exam prep | PMI-SP free exam practice | PMI-PBA exam preparation | PMI-RMP Latest Questions | PMI-200 exam papers | PMI-ACP VCE | CAPM test prep | PMP demo test | PfMP demo questions | CCE-CCC test questions | PgMP practice exam |


Best practice tests You Ever Experienced


SVC-19A free practice test | CDM practice exam | C1000-156 real questions | MCPA-Level-1 cram | IOS-158 assessment test sample | H13-612 test prep | H12-711 mock questions | ACLS model question | CPD-001 test example | PEGAPCSSA86V1 practical test | CTAL-TM-UK prep questions | S1000-008 test prep questions | D-DP-DS-23 exam questions | Podiatry-License-Exam-Part-III study questions | 5V0-11.21 free pdf | 630-005 exam tips | CWOCN mock questions | 303-200 free prep | DES-DD33 exam prep | SC0-451 pdf study guide |





References :


https://arfansaleemfan.blogspot.com/2020/08/pmi-100-certified-associate-in-project.html
https://drp.mk/i/1WZ3P0Pwj2
https://youtu.be/zEGfoNpzycg
https://sites.google.com/view/killexams-pmi-100-question-ban
http://killexams12.isblog.net/pmi-100-certified-associate-in-project-2021-updated-dumps-by-killexams-com-14580072
https://www.instapaper.com/read/1397397175
http://feeds.feedburner.com/PmiPmi-100DumpsAndPracticeTestsWithRealQuestion
https://files.fm/f/d9emsvy2c



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






Direct Download

PMI-100 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.

PMI-100 Reviews

100% Valid and Up to Date PMI-100 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