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 QIA?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der QIA: Qualified Internal Auditor Prüfung.

2023 Updated Actual QIA questions as experienced in Test Center

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

QIA PDF Dumps - Qualified Internal Auditor | https://www.easyfinanz.cc/

IQN QIA : Qualified Internal Auditor exam Dumps

Exam Dumps Organized by Shahid nazir

Latest 2023 Updated IQN Qualified Internal Auditor Syllabus
QIA cheatsheet / Braindumps contains real exam Questions

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

QIA Exam Center Questions : Download 100% Free QIA cheatsheet (PDF and VCE)

Exam Number : QIA
Exam Name : Qualified Internal Auditor
Vendor Name : IQN
Update : Click Here to Check Latest Update
Question Bank : Check Questions

Simply study these QIA Exam Braindumps financial institution before test.
Are you looking for genuine QIA Exam Braindumps with valid questions for the IQN Qualified Internal Auditor Exam? They provide recently updated and valid QIA Actual Questions from real QIA tests. All you have to do is study and take the exam.

If you are determined to pass the IQN QIA exam and secure a highly paid position, consider registering at killexams.com. Many professionals are actively gathering real QIA exam questions, which you can access for your preparation. You will receive Qualified Internal Auditor exam questions that certain you to pass the QIA exam, and every time you download, they will be updated with 100% free of charge. While there are other companies that offer QIA Exam Questions, the legitimacy and up-to-date nature of QIA PDF Braindumps is a significant concern. To avoid wasting your time and effort, it's best to go to killexams.com instead of relying on free QIA Practice Test on the internet.

The primary objective of killexams.com is to help you understand the QIA course outline, syllabus, and objectives, allowing you to pass the IQN QIA exam. Simply practicing and memorizing the QIA course book is insufficient. You also need to learn about difficult and tricky scenarios and questions that may appear in the real QIA exam. Thus, you should go to killexams.com and download free QIA PDF trial questions to read. Once you are satisfied with the Qualified Internal Auditor questions, you can register for the full version of QIA Questions and Answers at a very attractive promotional discount. To take a step closer to success in the Qualified Internal Auditor exam, download and install QIA VCE exam simulator on your computer or smartphone. Memorize QIA Practice Test and frequently take practice questions using the VCE exam simulator. When you feel confident and ready for the real QIA exam, go to the Exam Center and register for the real test.

Passing the real IQN QIA exam is challenging if you only rely on QIA textbooks or free Study Guide on the internet. There are numerous scenarios and tricky questions that can confuse and surprise candidates during the QIA exam. That's where killexams.com comes in with its collection of real QIA Practice Questions in the form of Practice Test and VCE exam simulator. Before registering for the full version of QIA Study Guide, you can download the 100% free QIA PDF Braindumps. You will be pleased with the quality and excellent service provided by killexams.com. Don't forget to take advantage of the special discount coupons available.

QIA exam Format | QIA Course Contents | QIA Course Outline | QIA exam Syllabus | QIA exam Objectives

Test Detail:
The IQN QIA (Qualified Internal Auditor) certification is designed to assess the knowledge and skills of individuals in the field of internal auditing. Here is a detailed overview of the QIA certification, including the number of questions and time, course outline, exam objectives, and exam syllabus.

Number of Questions and Time:
The exact number of questions and time allotted for the QIA certification may vary. However, typically, the exam consists of multiple-choice questions that assess the candidate's understanding of internal auditing principles and practices. The duration of the exam may vary, but it is typically completed within a specified time limit, such as two to three hours.

Course Outline:
The QIA certification course covers a comprehensive range of syllabus related to internal auditing. The specific course outline may include the following components:

1. Introduction to Internal Auditing:
- Definition, objectives, and scope of internal auditing
- Role and responsibilities of internal auditors
- Code of ethics and professional standards for internal auditors

2. Internal Auditing Process:
- Planning internal audits
- Conducting risk exams
- Developing audit programs and procedures
- Performing fieldwork and data analysis
- Reporting audit findings

3. Internal Control and Risk Management:
- Understanding internal control concepts
- Evaluating and assessing internal controls
- Identifying and managing risks
- Fraud detection and prevention

4. Audit Techniques and Tools:
- Sampling methods and statistical techniques
- Interviewing techniques
- Document examination and verification
- IT auditing and data analytics

5. Audit Reporting and Communication:
- Effective communication of audit findings
- Writing audit reports
- Presenting audit results to stakeholders
- Follow-up and monitoring of audit recommendations

Exam Objectives:
The objectives of the QIA certification exam are to assess the candidate's knowledge and understanding of internal auditing principles, practices, and techniques. The specific objectives include:

- Evaluating the candidate's knowledge of internal auditing concepts and standards.
- Assessing the candidate's ability to apply internal auditing techniques and tools effectively.
- Testing the candidate's understanding of internal control and risk management principles.
- Evaluating the candidate's ability to communicate audit findings clearly and effectively.

Exam Syllabus:
The QIA exam syllabus outlines the specific syllabus and subtopics that will be covered in the exam. The syllabus may include:

- Internal auditing principles and concepts
- Internal control frameworks and frameworks (e.g., COSO, COBIT)
- Risk management methodologies
- Audit planning and execution
- Sampling techniques and statistical analysis
- Audit reporting and communication

It is important to note that the specific content and format of the QIA certification exam may vary based on the certification provider and the level of the certification (e.g., Foundation, Practitioner). It is recommended to refer to the official IQN website or authorized training providers for the most up-to-date and detailed information regarding the specific QIA certification exam you are planning to take.

Killexams Review | Reputation | Testimonials | Feedback

Is there any way to pass QIA exam earlier than the everything strive?
I would absolutely recommend killexams.com to anyone taking the QIA exam because not only does it help with understanding the principles within the workbook, but it also offers an idea about the pattern of questions that may appear. The assistance provided was remarkable, and I am grateful to the killexams.com team.

Where am i capable of locate free QIA exam questions?
The quality of killexams.com is high enough to provide excellent QIA exam schooling to the applicants. I have used their resources for the QIA exam and found them to be of the highest quality, which helped me pass the exam quickly.

These QIA real test questions work great in the real exam.
To maintain my position in my current company, passing the QIA exam was necessary, but it wasn't an easy task. Thankfully, with the help of killexams.com's QIA question answers and exam simulator, I was able to learn a lot and achieve my certification. I am very grateful for their great work.

These QIA real test questions works within the real study.
I am very satisfied with the QIA Q&A provided by killexams.com, as it helped me significantly during the exam. I plan to use their materials for other IQN certifications in the future.

How much does it cost to have complete QIA qustions bank with real dumps
The accurate Q&A provided by killexams.com helped me pass QIA on the first try with 78% marks. My real score was 90%, but due to poor marking, it came down to 78%. I appreciate the excellent job done by the killexams.com team and wish them all the success.

IQN Internal outline


Study outlines how college admissions practices benefit richest applicants

Raj Chetty, Director, Opportunity Insights:

Great to be here, Geoff.

So, what we're finding in this study looking at detailed admissions data for many Ivy League and other highly selective colleges, is that there are three key factors that lead to higher admissions rates for kids from the very highest-income families in America, families making more than about $600,000 a year.

The first is legacy admissions. If your parents went to a given college, you have a five- or six-fold higher chance of getting into that college, relative to somebody else with the exact same application credentials.

Second, recruited athletes are of — have a significant advantage in getting into these colleges. And they tend to come primarily from very high-income families. And, third, they find that non academic credentials — think of things like extracurriculars or other activities, leadership traits outside the classroom — these credentials tend to be much stronger among kids from very high-income families and, in particular, much stronger among kids who went to elite private high schools, which, of course, tend to be attended primarily by kids from very high-income families.

Together, those three things explain why kids from the highest-income families are about two times as likely to get in as kids from middle-class families.

Ross outlines $300K in storm drain repairs

Ross plans to tackle $300,000 worth of storm drain projects in the next five to 10 years.

The Town Council voted unanimously this month to approve a storm drain master plan, which assessed the condition of 3 miles of pipes, manholes and gutters. The plan also identified another $138,000 of improvements needed for drainage infrastructure on private property.

“The culverts that cross privately maintained roadways are privately maintained storm drains,” Richard Simonitch, public works director, told the council at its meeting on July 13. Simonitch said the town will not fund 4 miles of privately maintained pipes.

Councilmember Julie McMillan said she would like the town to communicate that to residents. Simonitch said he would incorporate a summary in the town’s newsletter.

Simonitch said that about four years ago when the town staff was preparing capital improvement budgets he realized Ross lacked a comprehensive storm drain master plan.

However, the town had set itself up to prepare the planning document back in 1990 by approving a storm drainage impact fee that is applied to construction permits. The charge is equal to 1% of valuation, and the revenue is fed into a drainage fund that designates spending on drainage studies, a master plan, construction, maintenance and other infrastructure projects.

The town hired a firm to prepare the storm drain master plan and perform geographic infrastructure system mapping. The work cost $132,000, which was covered by the fee revenue.

The drainage fund has $1.39 million available. For the 2023-24 fiscal year, the drainage fee revenues are expected to reach $415,000 and expenses are projected at $600,000.

Expenditures include the cost of the master plan and $250,000 related to the long-planned Winship Bridge replacement, according to the town’s budget.

The majority of the town’s drainage system is about 60 years old. Despite a few trouble spots, it’s in good shape overall, Simonitch said.

“Year by year, they have been keeping up on new maintenance programs, replacement of storm drains and during storms, they do a lot of jetting and clearing of the storm drain lines,” Simonitch said.

Tackling $300,000 in improvements is “very doable,” he said.

The master plan breaks down recommended projects into high-, medium- and low-priority levels. It also recommends that the town budget $10,000 for emergency projects.

One of the higher-priority projects is an estimated $17,000 effort to remove heavy sediment and debris from 130 feet of pipe on Poplar Avenue.

Mayor Elizabeth Brekhus asked staff if officials should be concerned this would cause flooding if it isn’t taken care of.

Simonitch said there is a concern, but there is funding to take care of the high-priority projects this year.

Brekhus said she read a news report that more communities have to start thinking about flood preparedness.

“So I feel like for an area like this where they have flooding, they really need to be worried,” she said.


Adrian Rodriguez covers San Rafael and the Ross Valley.

Pinellas County Superintendent outlines goals for school year

PINELLAS COUNTY, Fla. (Tampa Bay Now) - Students all over the Tampa Bay Area went back to school!

It was a day full of excitement at East Lake Middle School and as parents sent their students back to school, they hope this school year is more focused on education than politics.

It's that time of year again when you can hear the sound of buses driving by, dropping of students for the first day of school.

For parents and students, it's an exciting day.

"I'm excited that all three of my kids are going back to school," said Tom Goodlet, a Pinellas County parent.

Some are excited for classes.

"She really wants to learn about programming, so she is excited to learn about that," said Gilmar Alvany, another parent.

Some are happy to see familiar faces again.

"I know they are happy to be in person with their friends, they are happy they are able to do that," said Goodlet.

Some are excited to hear the sound of the East Lake High School band play once more.

"It's just a great great day," said Kevin Hendrick, Pinellas County Schools Superintendent.

Hendrick says his goal for this school year is to continue increasing test scores and educating students. He says another focus is the teacher shortage that's been impacting districts all over the country.

"Today as they start school, they will have a certified teacher in every classroom. They pull from the district office, they pull others out but they keep recruiting. It's something they are going to have to focus on for the next decade," he said.

With recent legislation banning certain books in classrooms and controversy over whether teachers should teach AP Psychology and African American Studies in the state, superintendent Hendrick says he hopes this school year goes much smoother than last.

"Let's keep the politics out of the classroom, so they tried to really educate their staff on what those rules say and whatever those new laws are," he said.

And as the school year kicks off, Goodlet has one message for educators.

"I appreciate the resilience, especially the teachers. I know they have had ups and downs the last few years so they are grateful," he said.


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 cheatsheet 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 cheatsheet site.

Which is the best dumps website?
Yes, Killexams is 100 percent legit and fully reputable. There are several includes that makes killexams.com traditional and reliable. It provides up to par and 100 percent valid cheatsheet that contain real exams questions and answers. Price is small as compared to a lot of the services on internet. The Q&A are up-to-date on frequent basis utilizing most recent brain dumps. Killexams account method and device delivery is rather fast. Record downloading can be unlimited and fast. Help support is avaiable via Livechat and Email address. These are the characteristics that makes killexams.com a robust website that come with cheatsheet with real exams questions.

Is killexams.com test material dependable?
There are several Q&A provider in the market claiming that they provide real 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 2023 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 Q&A with the same frequency as they are updated in Real Test. cheatsheet provided by killexams.com are Reliable, Up-to-date and validated by Certified Professionals. They maintain dumps collection of valid Questions that is kept up-to-date by checking update on daily basis.

If you want to Pass your exam Fast with improvement in your knowledge about latest course contents and syllabus of new syllabus, They recommend to download PDF exam 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 Q&A will be provided in your download Account. You can download Premium cheatsheet 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 real Test. Go register for Test in Exam Center and Enjoy your Success.

2B0-015 Q&A | 4H0-004 pass exam | C8 cheat sheet | HH0-560 braindump questions | ADM-211 test trial | AD01 practice exam | Google-PCNE brain dumps | ABEM-EMC braindump questions | 4A0-107 exam Questions | Platform-App-Builder test prep | OMG-OCRES-A300 free practice questions | 500-551 past bar exams | 500-215 study guide | BMAT dump | FML-5.3.8 Latest Questions | Google-PCA free exam papers | FCGIT practice questions | 630-006 PDF download | 2B0-104 assessment test trial | I10-003 test prep |

QIA - Qualified Internal Auditor Cheatsheet
QIA - Qualified Internal Auditor Question Bank
QIA - Qualified Internal Auditor Questions and Answers
QIA - Qualified Internal Auditor exam Cram
QIA - Qualified Internal Auditor boot camp
QIA - Qualified Internal Auditor exam Cram
QIA - Qualified Internal Auditor PDF Questions
QIA - Qualified Internal Auditor PDF Questions
QIA - Qualified Internal Auditor test prep
QIA - Qualified Internal Auditor Study Guide
QIA - Qualified Internal Auditor questions
QIA - Qualified Internal Auditor study help
QIA - Qualified Internal Auditor learning
QIA - Qualified Internal Auditor exam format
QIA - Qualified Internal Auditor techniques
QIA - Qualified Internal Auditor Question Bank
QIA - Qualified Internal Auditor braindumps
QIA - Qualified Internal Auditor Study Guide
QIA - Qualified Internal Auditor study help
QIA - Qualified Internal Auditor Dumps
QIA - Qualified Internal Auditor dumps
QIA - Qualified Internal Auditor PDF Questions
QIA - Qualified Internal Auditor Real exam Questions
QIA - Qualified Internal Auditor cheat sheet
QIA - Qualified Internal Auditor Real exam Questions
QIA - Qualified Internal Auditor Latest Questions
QIA - Qualified Internal Auditor real questions
QIA - Qualified Internal Auditor test
QIA - Qualified Internal Auditor questions
QIA - Qualified Internal Auditor study tips
QIA - Qualified Internal Auditor guide
QIA - Qualified Internal Auditor PDF Questions
QIA - Qualified Internal Auditor teaching
QIA - Qualified Internal Auditor teaching
QIA - Qualified Internal Auditor test prep
QIA - Qualified Internal Auditor learning
QIA - Qualified Internal Auditor real Questions
QIA - Qualified Internal Auditor course outline
QIA - Qualified Internal Auditor learn
QIA - Qualified Internal Auditor certification
QIA - Qualified Internal Auditor study help
QIA - Qualified Internal Auditor real questions
QIA - Qualified Internal Auditor real questions
QIA - Qualified Internal Auditor Cheatsheet

Other IQN exam Dumps

QIA practical test |

Best cheatsheet You Ever Experienced

AD0-E116 free online test | Servicenow-PR000370 Latest Topics | CMQ-OE braindumps | MB-210 real Questions | 143-425 past exams | ACP-100 free pdf | CLSSYB exam test | HDPCD questions answers | 2B0-103 PDF Questions | E20-365 questions and answers | DEV-450 test prep | COF-R02 free pdf download | CRRN question test | HPE0-V14 cbt | CTFL_Syll2018 test example | 500-275 prep questions | GRE practical test | CIMAPRO19-E01-1-ENG free pdf | 4A0-C02 model question | DEA-41T1 PDF Dumps |

References :


Similar Websites :
Pass4sure Certification exam dumps
Pass4Sure exam Questions and Dumps

Direct Download

QIA 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.

QIA Reviews

100% Valid and Up to Date QIA 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 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.


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:


  • 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


  • 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