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 Praxis-Core?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der Praxis-Core: Praxis Core Academic Skills for Educators Prüfung.

2024 Updated Actual Praxis-Core questions as experienced in Test Center

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

Praxis-Core PDF obtain - Praxis Core Academic Skills for Educators | https://www.easyfinanz.cc/

Admission-Tests Praxis-Core : Praxis Core Academic Skills for Educators ACTUAL EXAM QUESTIONS

Exam Dumps Organized by Martin Hoax



Latest 2024 Updated Admission-Tests Praxis Core Academic Skills for Educators Syllabus
Praxis-Core ACTUAL EXAM QUESTIONS / Braindumps contains actual test Questions

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




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

Exam Number : Praxis-Core
Exam Name : Praxis Core Academic Skills for Educators
Vendor Name : Admission-Tests
Update : Click Here to Check Latest Update
Question Bank : Check Questions

These are today updated Praxis-Core real questions
Even if you have gone through all the Praxis-Core course books, the questions asked in genuine tests are entirely different. Their Praxis-Core braindumps includes all the unique Q&A that are not found in course books. Practice with the Praxis-Core VCE test system, and you will be confident to pass the genuine Praxis-Core test.

Many candidates have successfully passed the Praxis-Core test with their PDF Question Bank. It is extremely frustrating when you study and practice their Praxis-Core Question Bank and still receive poor grades or fail in the actual tests. However, most of their clients have experienced significant improvement in their knowledge and passed the Praxis-Core test on their first attempt. This is because their Praxis-Core Question Bank truly enhances their understanding of the subject matter. They can apply their knowledge in real-world scenarios as experts. Their focus is not only on helping candidates pass the Praxis-Core test with their questions and answers, but also on improving their understanding of Praxis-Core syllabus and objectives. This is why people trust their Praxis-Core Real test Questions.

We have included all updates and revisions in their Question Bank as Praxis-Core has undergone several changes and upgrades in 2024. Their 2024 updated Praxis-Core braindumps ensure your success in the actual tests. They recommend going through the entire dumps questions before taking the actual exam. This is not only because using their Praxis-Core Question Bank will enhance your knowledge, but also because it will allow you to work confidently in a real-world environment as a professional. Their aim is to not only help candidates pass the Praxis-Core exam, but also to Improve their understanding of Praxis-Core syllabus and objectives. This is the key to success.







Praxis-Core test Format | Praxis-Core Course Contents | Praxis-Core Course Outline | Praxis-Core test Syllabus | Praxis-Core test Objectives


You have been working to acquire the knowledge and skills you need for your teaching career. Now you are
ready to demonstrate your abilities by taking a Praxis® test.

Using the Praxis® Study Companion is a smart way to prepare for the test so you can do your best on test day.
This guide can help keep you on track and make the most efficient use of your study time.
The Study Companion contains practical information and helpful tools, including:

• An overview of the Praxis tests

• Specific information on the Praxis test you are taking

• A template study plan

• Study topics

• Practice questions and explanations of correct answers

• Test-taking tips and strategies

• Frequently asked questions

• Links to more detailed information

So where should you start=> Begin by reviewing this guide in its entirety and note those sections that you need
to revisit. Then you can create your own personalized study plan and schedule based on your individual needs
and how much time you have before test day.

Keep in mind that study habits are individual. There are many different ways to successfully prepare for your
test. Some people study better on their own, while others prefer a group dynamic. You may have more energy
early in the day, but another test taker may concentrate better in the evening. So use this guide to develop the
approach that works best for you.



Test Name Core Academic Skills for Educators: Writing

Test Code 5722

Time 100 minutes, divided into a 40-minute selected-response section and two
30-minute essay sections

Number of Questions 40 selected-response questions and two essay questions
Format Selected-response questions involving usage, sentence correction, revision in
context, and research skills; 2 essay syllabus as the basis for writing samples
Test Delivery Computer delivered

Approximate Approximate

Content Categories Number of Percentage of Questions* Exam

I. Text Types, Purposes, and Production 6–12 selected-response 60%

2 essay

II. Language and Research Skills 28–34 selected-response 40%

for Writing

* Includes both scored and unscored (pretest) questions. Depending on the
number of pretest questions included in each scoring category, the total number
of questions in that category may vary from one form of the test to another.



The Core Academic Skills for Educators Test in Writing measures academic skills in writing needed to prepare
successfully for a career in education. All skills assessed have been identified as needed for college and career
readiness, in alignment with the Common Core State Standards for Writing.
The Writing test is 100 minutes in length and has three separately timed sections: a 40-minute selectedresponse section containing 40 selected-response questions and two 30-minute essay sections that each
require a response based on an essay topic. This test may contain some questions that will not count toward
your score.

The selected-response section is designed to measure examinees ability to use standard written English
correctly and effectively. This section is divided into four parts: usage, sentence correction, revision in context,
and research skills. In the usage questions, examinees are asked to recognize errors in mechanics, in structural
and grammatical relationships, and in idiomatic
expressions or word choice. They are also asked to
recognize sentences that have no errors and that
meet the conventions of standard written English. The
sentence correction questions require examinees to
select, from among the choices presented, the best
way to restate a certain phrase or sentence by using
standard written English; in some cases, the phrase
or sentence is correct and most effective as stated.

Examinees are not required to have a knowledge of
formal grammatical terminology. In the revision-incontext questions, examinees are asked to recognize
how a passage with which they are presented can be
strengthened through editing and revision. Revisionin-context questions require examinees to consider
development, organization, word choice, style, tone,
and the conventions of standard written English. In
some cases, the indicated portion of a passage will be
most effective as it is already expressed and thus will
require no changes.

In the research skills questions, examinees are asked to
recognize effective research strategies, recognize the
different elements of a citation, recognize information
relevant to a particular research task, and assess the
credibility of sources.
The two essays assess examinees ability to
write effectively in a limited period of time. The
Argumentative essay course invites examinees to draw
from personal experience, observation, or practicing to
support a position with specific reasons and examples.
The Informative/Explanatory essay course asks
examinees to extract information from two provided
sources to identify important concerns related to an
issue.

The syllabus for the Argumentative and Informative/
Explanatory essays attempt to present situations
that are familiar to all educated people; no course will
require any specialized knowledge other than an
understanding of how to write effectively in English.
Examinees should write only on the course assigned
for each essay task, address all the points presented
in the topic, and support generalizations with
specific examples. For the Informative/Explanatory
essay, examinees should also draw information from
both sources, making sure to cite the source of the
information. Before beginning to write each essay,
examinees should read the course and organize their
thoughts carefully.



I. Text Types, Purposes, and Production

A. Text Production: Writing Arguments

1. Produce an argumentative essay to support a claim using relevant and sufficient evidence

2. Write clearly and coherently

a. address the assigned task appropriately for an audience of educated adults

b. organize and develop ideas logically, making coherent connections between them

c. provide and sustain a clear focus or thesis

d. use supporting reasons, examples, and details to develop clearly and logically the ideas presented

e. demonstrate facility in the use of language and the ability to use a variety of sentence structures

f. construct effective sentences that are generally free of errors in standard written English

B. Text Production: Writing Informative/ Explanatory Texts

1. Produce an informative/explanatory essay to examine and convey complex ideas and information clearly and accurately through the effective selection, organization, and analysis of content

a. write clearly and coherently

b. address the assigned task appropriately for an audience of educated adults

c. draw evidence from informational texts to support analysis

d. organize and develop ideas logically, making coherent connections between them

e. synthesize information from multiple sources on the subject

f. integrate and attribute information from multiple sources on the subject, avoiding plagiarism

g. provide and sustain a clear focus or thesis

h. demonstrate facility in the use of language and the ability to use a variety of sentence structures

i. construct effective sentences that are generally free of errors in standard written English

C. Text Production: Revision

1. Develop and strengthen writing as needed by revising and editing

a. recognize how a passage can be strengthened through editing and revision

– apply knowledge of language to understand how language functions in different contexts and to make effective choices for meaning or style

> choose words and phrases for effect

> choose words and phrases to convey ideas precisely

> maintain consistency in style and tone

II. Language and Research Skills for Writing

A. Language Skills

1. Demonstrate command of the conventions of standard English grammar and usage

a. grammatical relationships recognize and correct:

– errors in the use of adjectives and adverbs

– errors in noun-noun agreement

– errors in pronoun-antecedent agreement

– errors in pronoun case

– errors in the use of intensive pronoun

– errors in pronoun number and person

– vague pronouns

– errors in subject-verb agreement

– inappropriate shifts in verb tense

b. structural relationships

recognize and correct:

– errors in the placement of phrases and clauses within a sentence

– misplaced and dangling modifiers

– errors in the use of coordinating and subordinating conjunctions

– fragments and run-ons

– errors in the use of correlative conjunctions

– errors in parallel structure

c. word choice recognize and correct:

– errors in the use of idiomatic expressions

– errors in the use of frequently confused words

– wrong word use

– redundancy

d. No Error recognize:

– sentences free of errors in the conventions of standard English grammar and usage

2. Demonstrate command of the conventions of standard English capitalization and punctuation

a. mechanics recognize and correct::

– errors in capitalization

– errors in punctuation

> commas (e.g., the use of a comma to separate an introductory element from the rest of the sentence)

> semicolons (e.g., the use of a semicolon [and perhaps a conjunctive adverb] to link two or more closely related independent clauses)

> apostrophes (e.g., the use of an apostrophe to form contractions and frequently occurring possessives)

b. no errror

– recognize sentences free of errors in the conventions of standard English capitalization and punctuation

B. Research Skills

1. Recognize and apply appropriate research skills and strategies

a. assess the credibility and relevance of sources

b. recognize the different elements of a citation

c. recognize effective research strategies

d. recognize information relevant to a particular research task



Killexams Review | Reputation | Testimonials | Feedback


Do you need actual qustions and answers of Praxis-Core test to pass the exam?
Thanks to killexams.com's dumps, I managed to pass the Praxis-Core exam. I'm grateful for this and take this opportunity to thank them once again. The Q&A and test simulator were both supportive and detailed. I highly recommend this website for certification exams.


Excellent opportunity to get certified Praxis-Core exam.
I purchased killexams.com's certification package and studied it thoroughly. Their online test simulator was a great tool to prepare for the exam, and it boosted my confidence. I was able to pass the Praxis-Core test with ease thanks to their short and simple question-answers. killexams.com was a lifesaver for me, and I highly recommend it to anyone.


Want something fast making ready for Praxis-Core test.
Killexams.com braindumps and test simulator helped me obtain my Praxis-Core certification. Their material is useful, and the test simulator is remarkable, accurately simulating the Praxis-Core exam. The test was tricky, but with the help of killexams.com, I was able to pass it without any unsightly surprises. Their bundles cover everything you need to pass the exam, making it an excellent choice for anyone preparing for the Praxis-Core exam.


Weekend study is sufficient to pass Praxis-Core test with Q&A I were given.
Thanks to killexams.com, I was able to answer 90 out of 95 questions correctly and pass the Praxis-Core exam, something I never considered possible. Juggling full-time work and preparation for the Praxis-Core test was a challenge, but killexams.com's reliable diploma preparation facet made it less daunting. I stumbled upon killexams.com while searching for test preparation materials and decided to use it, which proved to be a wise decision.


No questions was asked that was out of these Praxis-Core braindumps.
I found your materials to be extremely useful and was able to score 82% in the Praxis-Core test with just five days of preparation. The ability to obtain the materials in PDF format provided me with a convenient way to practice effectively, along with the online tests, which did not have a limited attempt restriction. The answers provided to each question were 100% accurate, which I appreciate greatly. Thank you so much for your assistance.


Admission-Tests Educators PDF Dumps

   




Obviously it is hard task to pick solid certification Q&A concerning review, reputation and validity since individuals get scam because of picking bad service. Killexams.com ensure to serve its customers best to its value concerning ACTUAL EXAM QUESTIONS update and validity. The vast majority of customers scam by resellers come to us for the ACTUAL EXAM QUESTIONS and pass their exams cheerfully and effectively. They never trade off on their review, reputation and quality because killexams review, killexams reputation and killexams customer certainty is vital to us. Specially they deal with killexams.com review, killexams.com reputation, killexams.com scam report grievance, killexams.com trust, killexams.com validity, killexams.com report. In the event that you see any false report posted by their competitors with the name killexams scam report, killexams.com failing report, killexams.com scam or something like this, simply remember there are several terrible individuals harming reputation of good administrations because of their advantages. There are a great many successful clients that pass their exams utilizing killexams.com ACTUAL EXAM QUESTIONS, killexams PDF questions, killexams questions bank, killexams VCE test simulator. Visit their specimen questions and test ACTUAL EXAM QUESTIONS, their test simulator and you will realize that killexams.com is the best brain dumps site.

Which is the best dumps website?
Certainly, Killexams is 100 % legit and also fully trustworthy. There are several capabilities that makes killexams.com unique and legitimized. It provides updated and 100 % valid ACTUAL EXAM QUESTIONS formulated with real exams questions and answers. Price is nominal as compared to many of the services on internet. The Q&A are up-to-date on ordinary basis having most latest brain dumps. Killexams account launched and merchandise delivery is amazingly fast. Record downloading is definitely unlimited and extremely fast. Help support is avaiable via Livechat and E mail. These are the features that makes killexams.com a sturdy website that deliver 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 actual test Questions, Braindumps, Practice Tests, Study Guides, cheat sheet and many other names, but most of them are re-sellers that do not update their contents frequently. Killexams.com is best website of Year 2024 that understands the issue candidates face when they spend their time studying obsolete contents taken from free pdf 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 dumps questions 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 syllabus of new syllabus, They recommend to obtain PDF test 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 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 actual Test. Go register for Test in Exam Center and Enjoy your Success.




AICP test practice | CNN study guide | Salesforce-Certified-Community-Cloud-Consultant practice test | CQE cheat sheet pdf | AACE-PSP real questions | API-571 pass test | CBDH demo test | 922-080 free practice exams | ICDL-Powerpoint study guide | CVA test prep | AP0-001 free prep | CLSSGB test demo | 050-890 test Questions | AI-102 certification demo | PEGACPDC88V1 test questions | 201-450 free pdf | CAP dumps | CQA test results | MB-500 demo questions | Salesforce-Process-Automation-Accredited-Professional test Questions |


Praxis-Core - Praxis Core Academic Skills for Educators ACTUAL EXAM QUESTIONS
Praxis-Core - Praxis Core Academic Skills for Educators exam
Praxis-Core - Praxis Core Academic Skills for Educators test syllabus
Praxis-Core - Praxis Core Academic Skills for Educators learning
Praxis-Core - Praxis Core Academic Skills for Educators Question Bank
Praxis-Core - Praxis Core Academic Skills for Educators PDF Questions
Praxis-Core - Praxis Core Academic Skills for Educators test Questions
Praxis-Core - Praxis Core Academic Skills for Educators test Questions
Praxis-Core - Praxis Core Academic Skills for Educators learn
Praxis-Core - Praxis Core Academic Skills for Educators outline
Praxis-Core - Praxis Core Academic Skills for Educators Real test Questions
Praxis-Core - Praxis Core Academic Skills for Educators Questions and Answers
Praxis-Core - Praxis Core Academic Skills for Educators guide
Praxis-Core - Praxis Core Academic Skills for Educators syllabus
Praxis-Core - Praxis Core Academic Skills for Educators Questions and Answers
Praxis-Core - Praxis Core Academic Skills for Educators outline
Praxis-Core - Praxis Core Academic Skills for Educators Cheatsheet
Praxis-Core - Praxis Core Academic Skills for Educators Real test Questions
Praxis-Core - Praxis Core Academic Skills for Educators dumps
Praxis-Core - Praxis Core Academic Skills for Educators Questions and Answers
Praxis-Core - Praxis Core Academic Skills for Educators course outline
Praxis-Core - Praxis Core Academic Skills for Educators actual Questions
Praxis-Core - Praxis Core Academic Skills for Educators test syllabus
Praxis-Core - Praxis Core Academic Skills for Educators learn
Praxis-Core - Praxis Core Academic Skills for Educators Real test Questions
Praxis-Core - Praxis Core Academic Skills for Educators exam
Praxis-Core - Praxis Core Academic Skills for Educators PDF Download
Praxis-Core - Praxis Core Academic Skills for Educators boot camp
Praxis-Core - Praxis Core Academic Skills for Educators certification
Praxis-Core - Praxis Core Academic Skills for Educators Latest Questions
Praxis-Core - Praxis Core Academic Skills for Educators test format
Praxis-Core - Praxis Core Academic Skills for Educators real questions
Praxis-Core - Praxis Core Academic Skills for Educators ACTUAL EXAM QUESTIONS
Praxis-Core - Praxis Core Academic Skills for Educators Free PDF
Praxis-Core - Praxis Core Academic Skills for Educators outline
Praxis-Core - Praxis Core Academic Skills for Educators study help
Praxis-Core - Praxis Core Academic Skills for Educators Practice Questions
Praxis-Core - Praxis Core Academic Skills for Educators techniques
Praxis-Core - Praxis Core Academic Skills for Educators test success
Praxis-Core - Praxis Core Academic Skills for Educators ACTUAL EXAM QUESTIONS
Praxis-Core - Praxis Core Academic Skills for Educators information search
Praxis-Core - Praxis Core Academic Skills for Educators PDF Download
Praxis-Core - Praxis Core Academic Skills for Educators test format
Praxis-Core - Praxis Core Academic Skills for Educators study help

Other Admission-Tests ACTUAL EXAM QUESTIONS


TOEFL demo test | GRE-Quantitative PDF Questions | CBEST free test papers | HESI-A2 past exams | MCAT free practice tests | GMAT Test Prep | SAT examcollection | ACT test sample | LSAT Question Bank | MAT free pdf download | GRE practice exam | ASSET Practice test | LSAT-Logical-Reasoning test test | OAT test answers | GRE-Verbal PDF Download | Praxis-Core dumps questions | SSAT PDF Download | GMAT-Verbal PDF Dumps | WorkKeys braindumps | LSAT-reading-comprehension practice questions |


Best ACTUAL EXAM QUESTIONS You Ever Experienced


212-055 practice exam | FOCP test prep | MB-300 study guide | CTAL-TA test exam | 7495X Practice Questions | PC-BA-FBA-20 test Questions | RE18 certification sample | 500-220 Free PDF | FSDEV Practice Test | Servicenow-CIS-RC demo test questions | NSE5_FSM-6.3 test answers | ECDL-ADVANCED test questions | 1Y0-312 Practice Test | C1000-083 practice exam | E20-393 real questions | 300-635 ACTUAL EXAM QUESTIONS | MB-320 question test | CTFL_Foundation PDF Download | NREMT-NRP test Braindumps | DES-4421 free online test |





References :


https://killexams-posting.dropmark.com/817438/23543962
https://www.instapaper.com/read/1316531617
https://killexams-posting.dropmark.com/817438/23630862
http://killexams-braindumps.blogspot.com/2020/06/people-used-these-praxis-core-boot-camp.html
https://sites.google.com/view/killexam-praxis-core-exam-dump
https://youtu.be/ENYzelJ2VKY
http://feeds.feedburner.com/WhereWouldIBeAbleToInspireHelpToPassPraxis-coreExam
https://files.fm/f/cegydmxya



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






Direct Download

Praxis-Core 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.

Praxis-Core Reviews

100% Valid and Up to Date Praxis-Core 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