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 PSP?
Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der PSP: Physical Security Professional (ASIS PSP) - 2025 Prüfung.
2025 Updated Actual PSP questions as experienced in Test Center
Aktuelle PSP Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz
![]() ASIS PSP : Physical Security Professional (ASIS PSP) - 2025 Practice TestsPractice Tests Organized by Lee |
Latest 2025 Updated ASIS Physical Security Professional (ASIS PSP) - 2025 Syllabus
PSP examcollection with Premium PDF and Test Engine
Practice Tests and Free VCE Software - Questions Updated on Daily Basis
Big Discount / Cheapest price & 100% Pass Guarantee
PSP examcollection : Download 100% Free PSP practice questions (PDF and VCE)
Exam Number : PSP
Exam Name : Physical Security Professional (ASIS PSP) - 2025
Vendor Name : ASIS
Update : Click Here to Check Latest Update
Question Bank : Check Questions
Simply study and remember these PSP real questions questions
To succeed in the ASIS PSP exam, you need current and authentic PSP Mock Questions practice questions paired with Actual Questions. Engage with these PSP PDF Questions to deepen your knowledge and achieve High Score on your exam. They ensure your success in the PSP test with excellent scores when you master their exam preparation software and Exam Questions practice questions alongside Mock Questions.
Navigate the vast landscape of online test practice providers with confidence by choosing killexams.com, your trusted source for top-quality certification resources. While many online providers offer outdated Practice Tests, securing a reliable and esteemed PSP online test practice provider is essential. You could spend time researching independently, but to avoid wasting time and money, they recommend heading straight to killexams.com. Explore their 100% free PSP Study Guides to assess their premium sample questions. Satisfied with the quality? Register for a 3-month account to access the latest and valid PSP test prep questions, featuring authentic test questions and answers. Enhance your preparation with their state-of-the-art PSP VCE test simulator, designed to optimize your study experience.
Our boot camp for PSP in 2025 incorporates all the latest updates and refinements, ensuring your success in the real exam. They strongly advise reviewing the entire examcollection before taking the test. Candidates who utilize their PSP test prep questions not only excel in the test but also experience a significant boost in their expertise. They are equipped to thrive in real-world professional environments. At killexams.com, their mission extends beyond merely helping you pass the PSP test with their Practice Tests; they are dedicated to elevating your understanding of PSP subjects and objectives, paving the way for your professional triumph.

PSP test Format | PSP Course Contents | PSP Course Outline | PSP test Syllabus | PSP test Objectives
ASIS - PHYSICAL SECURITY PROFESSIONAL (PSP)® test PREPARATION PROGRAMMES
The Physical Security Professional (PSP)® credential is globally recognised as providing demonstrable proof of knowledge and experience in threat test and risk analysis; integrated physical security systems; and the appropriate identification, implementation, and ongoing evaluation of security measures. Those who earn the PSP are ASIS board-certified in physical security.
Killexams QAs cover the following PSP contents;
-----------------------------------------
- Develop a physical security test plan.
- Key area or critical asset identification
- Risk test models and considerations
- inside-outward
- outside-inward
- site-specific risk exam
- functional approach
- Qualitative and quantitative test methods
- Types of resources & guidelines needed for the exam
- stakeholders
- budget
- equipment
- policies
- standards
- Identify assets to determine their value, critically, and loss impact.
- Definitions and terminology related to:
- assets
- value
- loss impact
- criticality
- The nature and types of assets
- tangible
- intangible
- How to determine value for various types of assets and business operations
- Assess the nature of the threats and hazards so that the risk can be determined.
- The nature, types, severity, and likelihood of threats and hazards
- natural disasters
- cyber
- criminal events
- terrorism
- socio-political
- cultural
- Operating environment
- geography
- socioeconomic environment
- criminal activity
- existing security countermeasures
- security risk level
- Potential impact of external organizations on facility's security program
- competitors
- organizations in immediate proximity
- Other internal and external factors and their impact on the facility's
- legal
- loss of reputation
- economic
- supply chain
- Conduct an test to identify and quantify vulnerabilities of the organization.
- Relevant data and methods for collection
- security survey
- interviews
- incident reports
- crime statistics
- personnel issues
- issues experienced by other similar organizations
- Effectiveness of current security technologies/equipment, personnel, and procedures
- Interpretation of building plans, drawings, and schematics
- Applicable standards/regulations/codes and where to find them
- Environmental factors and conditions that impact physical security
- facility location
- architectural barriers
- lighting, entrances
- Perform a risk analysis to develop countermeasures.
- Risk analysis strategies and methods
- Risk management principles
- Analysis and interpretation of collected data
- Threat/hazard and vulnerability identification
- Loss event profile analyses (e.g., consequences)
- Appropriate countermeasures related to specific risks
- Cost benefit analysis
- return on investment (ROI)
- total cost of ownership
- Legal and regulatory considerations related to various countermeasures/security applications
- video surveillance
- privacy issues
- personally identifiable information
- life safety
- Establish security program performance requirements.
- Design constraints
- regulations
- budget
- materials
- system compatibility
- Incorporation of risk analysis results in design
- Relevant security terminology
- punch list
- field test
- Relevant security concepts
- CPTED
- defense-in-depth
- the 4 Ds- deter
- detect
- delay
- deny
- Applicable codes, standards, and guidelines
- Operational requirements
- policies
- procedures
- staffing
- Functional requirements
- system capabilities
- features
- fault tolerance
- Performance requirements
- technical capability
- systems design capacities
- Success metrics
- Determine appropriate physical security countermeasures.
- Structural security measures
- barriers
- lighting
- locks
- blast mitigation
- ballistic protection
- Crime prevention through environmental design (CPTED)
- Electronic security systems
- access control
- video surveillance
- intrusion detection
- Security staffing
- officers
- technicians
- management
- administration
- Personnel, package, and vehicle screening
- Emergency notification systems
- mass notifications
- public address
- two-way intercom
- Principles of data storage and management
- cloud
- on-premise
- redundancy
- retention
- user permissions
- personally identifiable information
- regulatory requirements
- Principles of network infrastructure and physical network security
- token ring
- LAN/WAN
- VPN
- DHCP vs. static
- TCP/IP
- Security audio communications
- radio
- telephone
- intercom
- IP audio
- Systems monitoring and display
- control centers/consoles
- central monitoring station
- Primary and backup power sources
- grid
- battery
- UPS
- generators
- alternative/renewable
- Signal and data transmission methods
- copper
- fiber
- wireless
- Visitor and vendor management policies
- Design physical security systems and project documentation.
- Design phases
- pre-design
- schematic development
- construction
- documentation
- Design elements
- calculations
- drawings
- specifications
- review
- technical data
- Construction specification standards
- Constructions Specifications Institute
- Owners equipment standards
- AmericanInstitute of Architects (AIA) MasterSpec
- Systems integration
- Project management concepts
- Scheduling
- Gantt charts
- PERT charts
- milestones
- objectives
- Cost estimation and cost-benefit analysis of design options
- value engineering
- Outline criteria for pre-bid meeting.
- Bid process
- site visits
- RFI
- substitution requests
- pre-bid meeting
- Bid package types
- RFP
- RFQ
- IFB
- sole source
- Bid package components
project timelines
costs
personnel
documentation
scope of work
- Criteria for evaluation of bids
- cost
- experience
- scheduling
- certification
- resources
- Technical compliance criteria
- Ethics in contracting
- Develop procurement plan for goods and services.
- Vendor evaluation and selection
- interviews
- due diligence
- reference checks
- Project management functions and processes
- Procurement process
- Manage implementation of goods and services.
- Installation and inspection techniques
- Systems integration
- Commissioning
- Installation problem resolution
- punch lists
- Systems configuration management
- as-built drawings
- Final acceptance testing criteria
- system acceptance testing
- factory acceptance testing
- End-user training requirements
- Develop requirements for personnel involved in support of the security program.
- Roles, responsibilities, and limitations of security personnel
- proprietary [in-house]
- contract security staff
- Human resource management
- establishing KPIs
- performance review
- improvement processes
- recruiting
- onboarding
- progressive discipline
- Security personnel professional development
- training
- certification
- General, post, and special orders
- Security personnel uniforms and equipment
- Security awareness training and education for non-security personnel
- Monitor and evaluate program throughout the system life cycle.
- Maintenance of systems and hardware
- preventative
- corrective
- upgrades
- calibration
- service agreements
- Warranty types
- manufacturer
- installation
- replacement parts
- extended
- Ongoing system training
- system upgrades
- manufacturers certification
- System evaluation and replacement process
Killexams Review | Reputation | Testimonials | Feedback
How much does the PSP examcollection with real practice questions cost?
Killexams.com equipped me with the tools and confidence to excel in the PSP exam, resulting in an 89% score. Their testprep software was particularly helpful, presenting questions in a randomized format similar to the real test and providing performance metrics. The clear structure and valuable insights from their materials made my preparation efficient and effective.
Here they are! Genuine study, exact results.
After a long search, I found the precise source I needed. Everyone on the team at Killexams.com was cooperative and able. They provided me with excellent materials for PSP preparation.
Where can I find the real test questions for PSP?
I am delighted to inform you that I passed the PSP test a day or two ago with an impressive score of 88%. Although the test was quite challenging, killexams.com Questions and Answers and their test simulator made my life significantly easier. I truly believe that this study material was the primary reason I passed the exam. The test simulator was particularly helpful, and I thoroughly enjoyed using the Questions and Answers as it is the best approach to study.
It is genuinely great to have the real PSP test exam.
From England, I passed the PSP certification test with killexams.com’s testprep Questions and Answers. While not every question was covered, their comprehensive practice questions prepared me for most, ensuring an easy pass. I recommend combining their resources with thorough preparation for success.
I need updated practice questions for the PSP exam.
Passing the PSP test on my first attempt was a testament to killexams.com’s reliable testprep materials. Their expert team crafted a superior examcollection compared to others in the market, ensuring a confident performance. I am excited to use their resources for future exams and wholeheartedly thank them for their outstanding support.
ASIS PSP) test
PSP Exam
User: Logan*****![]() ![]() ![]() ![]() ![]() Joining killexams.com was a pivotal decision that led to my passing the PSP test and becoming the first in my organization with this qualification. Their web-based testprep resources were exceptional, allowing me to excel and make my colleagues proud. I highly recommend killexams.com to any student seeking similar success. |
User: Youssef*****![]() ![]() ![]() ![]() ![]() I achieved the highest score in the PSP exam, all thanks to Killexams. Their guide was flawless, covering every possible question. I credit my success entirely to their exceptional study materials. |
User: Aadya*****![]() ![]() ![]() ![]() ![]() Thanks to killexams.com, I no longer feel alone during exams. I have found an excellent study partner in the form of their study materials. Moreover, their instructors are always available to guide me, regardless of the time of day. During my exams, I received the same consistent level of guidance, and all my questions were promptly answered. I am truly grateful to the instructors at killexams.com for their excellent and friendly support that helped me pass my tough psp certification exam. The psp study practice questions and psp test simulator were truly amazing resources. |
User: Lada*****![]() ![]() ![]() ![]() ![]() The thrill of passing the psp test with flying colors was unforgettable, and killexams.com’s perfect testprep materials made it possible. Their comprehensive practice questions eliminated any fear of failure, ensuring a confident performance. I encourage others to try their resources for a rewarding test experience. |
User: Liliya*****![]() ![]() ![]() ![]() ![]() Achieving an 89% score on the PSP test was a proud moment, made possible by Killexams.com’s exceptional study materials. Their comprehensive practice questions clarified complex concepts and prepared me thoroughly for the exam. I confidently recommend their resources to anyone aiming to excel in their certification journey. |
PSP Exam
Question: How much hardworking required to pass PSP exam? Answer: If you are a good reader and memorize questions well, you need not do much hardworking. Go to killexams.com and get the complete examcollection of PSP test test prep after you register for the full version. These PSP questions are taken from the real PSP exam, that's why these PSP test 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 PSP questions are sufficient to pass the exam. They recommend taking your time to study and practice PSP practice questions until you are sure that you can answer all the questions that will be asked in the real PSP exam. |
Question: Will these PSP test prep help me pass the exam? Answer: Of course, these are the latest and up-to-date PSP test prep that contain real PSP test questions from test centers. When you will memorize these questions, it will help you get High Score in the exam. |
Question: How can I contact killexams customer support? Answer: You can contact customer support via live chat or email to support. Their customer support team handles all queries regarding an order, exams, downloads, and related queries. |
Question: How can I contact killexams technical Support? Answer: You can contact technical support via live chat or email to support. Their technical support team handles all exam-related queries. |
Question: Can I obtain test prep questions bank of PSP exam? Answer: Yes Of course. Killexams is the best source of PSP test examcollection with valid and latest test prep. You will be able to pass your PSP test easily with these PSP practice test. |
https://www.pass4surez.com/art/read.php?keyword=ASIS+PSP%29+test&lang=us&links=remove
Choosing a reliable certification practice questions provider can be challenging, as candidates want assurance of quality, credibility, and effectiveness. Killexams.com is committed to delivering top-tier practice questions that are regularly updated to ensure accuracy and relevance. They prioritize their candidates’ success, offering high-quality resources that have empowered countless individuals to pass their certification exams with confidence and ease. Their unwavering focus on excellence, trustworthiness, and customer satisfaction sets us apart. Unlike some resellers who may mislead customers, Killexams.com maintains a stellar reputation through consistent quality and transparency. Be cautious of false claims or negative reports from competitors attempting to undermine trusted services like ours. With thousands of satisfied candidates who have successfully passed their exams using their practice tests, PDF question banks, and VCE test simulator, Killexams.com stands as a proven leader. Explore their sample questions and try their test simulator to experience firsthand why Killexams.com is the preferred choice for certification preparation.
Which is the best practice questions website?
Absolutely yes, Killexams is 100% legit and even fully trusted. There are several benefits that makes killexams.com reliable and straight. It provides latest and 100% valid test questions that contain real exams questions and answers. Price is really low as compared to most of the services on internet. The Questions and Answers are modified on typical basis having most latest questions. Killexams account build up and product delivery is rather fast. File downloading will be unlimited and very fast. Support is avaiable via Livechat and E mail. These are the characteristics that makes killexams.com a robust website that supply test 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 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 2025 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 test Questions and Answers with the same frequency as they are updated in Real Test. test 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 subjects of new syllabus, They recommend to get 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 and Answers will be provided in your get Account. You can get Premium practice 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 Test Center and Enjoy your Success.
2B0-100 test prep | 020-222 certification sample | CPEA free practice questions | ACRP-CCRC mock questions | CWAP-404 practice test | HPE0-S60 free study guide | H31-523 practice questions | NCP-MCI cram | PMI-RMP test answers | ACA-Sec1 test prep questions | Qlik-Sense-Business-Analyst Study Guide | CPA-AUD practice questions | SC-300 mock test | SPLK-3002 sample questions | Nutanix-NCP pdf questions | NACD question test | CIMAPRA17-BA4-1-ENG practice questions | 050-v71x-CSESECURID mock test | ACSCE-5X practice questions | DEE-1111 Free test PDF |
PSP - Physical Security Professional (ASIS PSP) - 2025 Latest Topics
PSP - Physical Security Professional (ASIS PSP) - 2025 real Questions
PSP - Physical Security Professional (ASIS PSP) - 2025 information search
PSP - Physical Security Professional (ASIS PSP) - 2025 testprep
PSP - Physical Security Professional (ASIS PSP) - 2025 practice tests
PSP - Physical Security Professional (ASIS PSP) - 2025 Free PDF
PSP - Physical Security Professional (ASIS PSP) - 2025 teaching
PSP - Physical Security Professional (ASIS PSP) - 2025 guide
PSP - Physical Security Professional (ASIS PSP) - 2025 Real test Questions
PSP - Physical Security Professional (ASIS PSP) - 2025 test
PSP - Physical Security Professional (ASIS PSP) - 2025 information search
PSP - Physical Security Professional (ASIS PSP) - 2025 Real test Questions
PSP - Physical Security Professional (ASIS PSP) - 2025 testing
PSP - Physical Security Professional (ASIS PSP) - 2025 premium pdf
PSP - Physical Security Professional (ASIS PSP) - 2025 test Questions
PSP - Physical Security Professional (ASIS PSP) - 2025 practice tests
PSP - Physical Security Professional (ASIS PSP) - 2025 test success
PSP - Physical Security Professional (ASIS PSP) - 2025 guide
PSP - Physical Security Professional (ASIS PSP) - 2025 test Questions
PSP - Physical Security Professional (ASIS PSP) - 2025 Latest Questions
PSP - Physical Security Professional (ASIS PSP) - 2025 teaching
PSP - Physical Security Professional (ASIS PSP) - 2025 study help
PSP - Physical Security Professional (ASIS PSP) - 2025 test Questions
PSP - Physical Security Professional (ASIS PSP) - 2025 test format
PSP - Physical Security Professional (ASIS PSP) - 2025 testing
PSP - Physical Security Professional (ASIS PSP) - 2025 learn
PSP - Physical Security Professional (ASIS PSP) - 2025 information source
PSP - Physical Security Professional (ASIS PSP) - 2025 tricks
PSP - Physical Security Professional (ASIS PSP) - 2025 learning
PSP - Physical Security Professional (ASIS PSP) - 2025 test contents
PSP - Physical Security Professional (ASIS PSP) - 2025 premium pdf
PSP - Physical Security Professional (ASIS PSP) - 2025 Question Bank
PSP - Physical Security Professional (ASIS PSP) - 2025 teaching
PSP - Physical Security Professional (ASIS PSP) - 2025 tricks
PSP - Physical Security Professional (ASIS PSP) - 2025 test syllabus
PSP - Physical Security Professional (ASIS PSP) - 2025 test Questions
PSP - Physical Security Professional (ASIS PSP) - 2025 course outline
PSP - Physical Security Professional (ASIS PSP) - 2025 study help
PSP - Physical Security Professional (ASIS PSP) - 2025 Free PDF
PSP - Physical Security Professional (ASIS PSP) - 2025 techniques
PSP - Physical Security Professional (ASIS PSP) - 2025 PDF download
PSP - Physical Security Professional (ASIS PSP) - 2025 boot camp
PSP - Physical Security Professional (ASIS PSP) - 2025 Practice Test
PSP - Physical Security Professional (ASIS PSP) - 2025 PDF Download
Other ASIS Practice Tests
PSP test results | ASIS-APP study guide | CPP practice test |
Best practice questions You Ever Experienced
NS0-520 online exam | Agile-Foundation sample questions | ONCC-BMTCN sample test questions | AACN-CSC assessment test sample | CSM-001 real questions | MS-101 question test | DEV-450 study guide | RDN practice questions | VCS-324 test prep questions | DP-300 examcollection | RNAS-C test Questions | BCEN-CBRN mock exam | STAAR Practice test | NBSTSA-CST test results | PAM-DEF-SEN test prep | Salesforce-Certified-Marketing-Cloud-Email-Specialist test preparation | MA0-100 free pdf | CyberArk-EPM test prep | CTFL-PT pdf study guide | PMI-SP free practice test |
References :
https://killexams-posting.dropmark.com/817438/23282513
http://killexams-braindumps.blogspot.com/2020/06/great-success-with-these-psp-real.html
https://killexams-posting.dropmark.com/817438/23654626
https://www.instapaper.com/read/1318719455
https://www.coursehero.com/file/67303648/Physical-Security-Professional-PSP-PSPpdf/
https://youtu.be/DW-_EETVrEw
https://sites.google.com/view/killexams-psp-cheatsheet
http://feeds.feedburner.com/Real10-184QuestionsThatAppearedInTestToday
https://files.fm/f/scvgntp2m
Similar Websites :
Pass4sure Certification test Practice Tests
Pass4Sure Certification Question Bank
PSP 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 PSP 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