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 QQ0-401?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der QQ0-401: SDI-Service Desk Foundation Qualification Prüfung.

2024 Updated Actual QQ0-401 questions as experienced in Test Center

Aktuelle QQ0-401 Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz

QQ0-401 Study Guide - SDI-Service Desk Foundation Qualification | https://www.easyfinanz.cc/

HDI QQ0-401 : SDI-Service Desk Foundation Qualification ACTUAL EXAM QUESTIONS

Exam Dumps Organized by Shahid nazir

Latest 2024 Updated HDI SDI-Service Desk Foundation Qualification Syllabus
QQ0-401 ACTUAL EXAM QUESTIONS / Braindumps contains real test Questions

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

QQ0-401 Exam Center Questions : Download 100% Free QQ0-401 ACTUAL EXAM QUESTIONS (PDF and VCE)

Exam Number : QQ0-401
Exam Name : SDI-Service Desk Foundation Qualification
Vendor Name : HDI
Update : Click Here to Check Latest Update
Question Bank : Check Questions

Kill test with QQ0-401 PDF Download at first attempt with Free test PDF
At killexams.com, they suggest that you download their free QQ0-401 PDF dumps, read trial questions, and evaluate them before registering for the full version of QQ0-401 Exam Questions. They also offer three months of free future updates of QQ0-401 SDI-Service Desk Foundation Qualification test questions. Their certification crew is constantly updating and keeping track of the validity of QQ0-401 Cheatsheet.

If you are looking for the latest and updated ACTUAL EXAM QUESTIONS to pass the HDI QQ0-401 test and get a high-paying job, you can simply download the real QQ0-401 questions updated in 2024 by registering at killexams.com with special discount coupons. They have several specialists working to collect real QQ0-401 test questions at killexams.com. By doing this, you will receive SDI-Service Desk Foundation Qualification test questions to ensure you pass the QQ0-401 exam. You will also be able to download refreshed QQ0-401 test questions each time with a 100% discount guarantee. It is important to note that while there are organizations that offer QQ0-401 Latest Topics, legitimate and up-to-date QQ0-401 PDF Questions is a major concern. It is highly recommended that you avoid relying on free dumps available on the web.

In 2024, several changes and upgrades were made in QQ0-401, and they have included all updates in their Exam Braindumps. Their 2024 updated QQ0-401 braindumps certain your success in the real tests. They recommend that you go through the full dumps collection at least once before taking the real test. This is not just because they use their QQ0-401 Dumps, but they also experience an improvement in their knowledge and can work in a real environment as experts. They do not just focus on passing the QQ0-401 test with their braindumps, but they also aim to Excellerate your knowledge of QQ0-401 subjects and objectives. This is how people become successful.

QQ0-401 test Format | QQ0-401 Course Contents | QQ0-401 Course Outline | QQ0-401 test Syllabus | QQ0-401 test Objectives

EXAM NAME: SDI-Service Desk Foundation Qualification

The Service Desk Institute (SDI) has been connecting service desk professionals across the world since 1988 and is the leading global community for everyone working in the service desk industry. Their mission is to inspire service desks and support teams to be brilliant.

Domain 1: Professionalism and Roles

Module 1: Service Desk

Purpose of the Service Desk
Activities of the Service Desk that Demonstrate its Values
Role of Service Desk Leadership and Management
Module 2: Service Desk Analyst

Role of the Service Desk Analyst
Responsibilities of the Service Desk Analyst
Module 3: Best Practice

Sources of Service Desk and IT Methodologies and Best Practice
Maintain Knowledge of IT Standards, Frameworks, and Methodologies
Module 4: Policies and Governance
Purpose of Organisational Policies
Areas Covered by Organisational Policies
Module 5: Personal Accountability

Importance of Making and Honouring Commitments
How to Protect and Enhance the Image of the Service Desk=>
Module 6: Service Attitude

Explain the Terms: Attributes, Skills and Knowledge
Characteristics of a Good Service Attitude
Impact of a Good Service Attitude
Skills Required to Deliver Excellent Customer Service
Module 7: Teamwork

Basic Concepts of Teamwork
Responsibilities of People Working in a Team Environment
Benefits of Teamwork
Characteristics of an Effective Team
Features Found in a Supportive Workplace
Module 8: Business Relationships

Behaviours for Establishing Effective Relationships with Customers
Module 9: Cultural Awareness

Demonstrate Sensitivity and Respect for Other Cultures
Practice Techniques for Communicating Cross-Culturally
Domain 2: Analyst Skills

Module 10: Communication

Describe Ways People Communicate
Difference Between Formal and Informal Communications
Barriers to Effective Communication
Module 11: Verbal and Non-Verbal Communication Skill

Principles of Good Verbal skills
Principles of Good Non-Verbal Communication Skills
Module 12: Listening Skills

Principles of Active Listening
Paraphrasing and its Significance
Advantages of Active Listening
Barriers to listening and Understanding
Module 13: Written Communication

Using Correct Grammar and Spelling is Essential in Documentation and Written Communications
Components Needed for Writing Professional Business Communications and Documentation
Module 14: Questioning Skills

Difference Between Open and Closed Questioning
Structured Questioning Technique
Module 15: Problem Solving

Skills Needed for Effective Problem Solving
Steps in a Typical Problem-Solving Technique
Module 16: Rapport Techniques

Emotional Intelligence
Elements of Emotional Intelligence
Benefits of Emotional Intelligence
Common Customer Emotions or Actions that an Analyst Requires to Manage
Methods for Acknowledging the Customers
Techniques for Dealing with Negative Reactions from Customers
Module 17: Conflict and Negotiation Skills

Signs that Conflict is Developing
Appropriate Actions to Reduce and Eliminate Conflict
Define the Negotiation
Elements of Negotiation
Module 18: Interaction Management Skills

Benefits of Professionally Managing Interactions
Benefits of Using a Standard Greeting
Actions for Managing and Redirecting Issues Related to Unsupported Items
Behaviours and Situations to Avoid When Interacting with Customers
How to Manage an Abusive Customer=>
How to Manage an Angry Customer=>
How to Manage an Inconvenienced Customer=>
How to Manage an Over talkative Customer=>
How to Manage an Emotionally Distressed Customer=>
How to Manage a Customer that is Reluctant to End an Interaction=>
How to Professionally Disengage from a Support Interaction=>
Module 19: Resilience

Importance of Emotional Resilience
Common Causes of Stress
Signs of Positive Stress
Signs of Negative Stress
Describe the responsibility they have to Manage Stress for Ourselves and their Colleagues
Actions that Reduce Stress
Module 20: Time Management

What Multitasking Means in a Support Environment=>
Techniques to Excellerate Time Management
Benefits of Effective Time Management
Module 21: Positive Approach and Attitude

Differences Between Aggressive, Assertive and Passive Behaviour
Importance of Demonstrating Confidence
How Confidence is Demonstrated=>
Module 22: Professional Development

Methods for Enhancing Personal Professional Development
Domain 3: Practices, Processes and Procedures

Module 23: Practices, Processes and Procedures

Practice, Process, and Procedure Management
Importance of Documenting Practices, Processes, and Procedures
Module 24: Incident Management

Purpose of Incident Management
Objectives of Incident Management
Principal Activities that the Service Desk Analyst Performs in Incident Management
Benefits of Effective Incident Management
Common Measures of Success for Incident Management
Module 25: Service Request Management

Purpose of Service Request Management
Service Request
Objectives of Service Request Management
Common Measures of Success for Service Request Management
Module 26: Recording Incidents and Requests

Primary Reasons for Recording Incidents and Requests
Procedure for, Information Required, to Raise an Incident or Service Request
Determine the Priority of an Incident or Service Request
Steps Required to Resolve an Incident or Service Request
Module 27: Explain the Two Types of Escalation

Two Types of Escalation
Circumstances in which Escalation is Suitable
Module 28: Status Updates

Importance of Status Updates
Information to Provide in a Status Update
Module 29: Problem Management

Purpose of Problem Management
Reactive and Proactive Problem Management
Objectives of Problem Management
Service Desks Responsibilities in Problem Management:
Three Phases of Problem Management
Primary Activities of Problem Management
Common Measures of Success for Problem Management
Module 30: Change Enablement

Purpose of Change Enablement
Describe a Change
Types of Change
Objectives of Change Enablement
Service Desks Responsibilities in Change Enablement
Activities in Change Enablement
Common Measures of Success for Change Enablement
Module 31: Service Level Management

Purpose of a Service Level Management
Objectives of Service Level Management
Service Level Agreement
Typical Content of a Service Level Agreement that is Relevant to the Service Desk (SLA)
Module 32: Service Catalogue Management

Purpose of Service Catalogue Management
Service Catalogue
Objectives of Service Catalogue Management
Necessary Components of an Entry in the Service Catalogue
Module 33: Service Delivery Model

Different Kinds of Sourcing Methodologies and Models Available for Delivering IT Services
Module 34: Knowledge Management

Purpose Knowledge Management
Objective of Knowledge Management
Why Knowledge Management is Important to the Service Des
Why it is Essential to Maintain Knowledge=>
Common Measures of Success for Knowledge Management
Module 34: Information Security Management

Purpose of Information Security Management
Objective of Information Security Management
Importance of Information Security Policies
Service Desks Responsibilities in Information Security Management
Potential Security Threats to the Organisation that Might Occur through the Service Desk
Types of Security Policies
Importance of Reporting Security Compromises
Importance of Legal Compliance
Importance of Software License Management
Importance of Confidentiality
Module 35: Service Continuity Management

Purpose and Responsibility of the Service Continuity Management
Purpose of a Service Continuity Plan
Components of a Service Continuity Plan
Module 36: Quality Assurance Program

Purpose of a Quality Assurance (QA) Program
Objectives of a Quality Assurance (QA) Program
Common QA Practices used by a Service Desk
Methods for Monitoring Calls and Other Interactions
What is Meant by Incident and Service Request Monitoring
Methods for Monitoring Incidents and Service Requests
Benefits of Interaction, Incident, and Service Request Monitoring
Module 37: Managing Customer Feedback

Purpose Managing Customer Feedback
Objectives of Managing Customer Feedback
Common Sources of Customer Feedback
Components of Managing Customer Feedback
Three Most Common Types of Surveys and the Importance of Each Type
Module 38: Service Desk Metrics and Statistics

Reason for Compiling Service Desk Metrics
Common Service Desk Metrics
Domain 4: Resources

Module 39: Support Methods

Methods Used for Delivering Service and Support
Purpose of Using IT Service Management Systems in a Service Desk Environment
Primary Objectives of Using IT Service Management Tools
Benefits of Remote Support
Common Disadvantages of Using Remote Support Tools
Benefits of Using Live Chat and Collaboration Tools
Commons Risks of Using Live Chat and Collaboration Tools
Describe Automatic Call Distribution (ACD)
Common Automatic Call Distribution (ACD) Features
Module 40: Self-Service

Describe Self-Service
Benefits of Self-Service
Risks of Self-Service
Common Examples of Self-Service
Module 41: Automation

Describe Automation
Examples of Automation
Module 42: Artificial Intelligence (AI)

Describe AI
Common Examples of AI
Benefits of AI
Challenges of AI
Module 43: Social Media

Killexams Review | Reputation | Testimonials | Feedback

I were given updated dumps latest QQ0-401 exam.
Although I missed multiple questions in the exam, memorizing the material from killexams.com helped me pass with a score of 43/50. Their Questions Answers are trustworthy, and many questions in the test were similar to what was provided by killexams.com.

Weekend study is enough to pass QQ0-401 test with Questions Answers I were given.
I was able to pass the QQ0-401 test on my first try with a 98% score, thanks to Killexams. The case studies and study materials provided by Killexams were very helpful, and the only thing I wish was that the timer could run during the exercise test.

What is easiest way to pass QQ0-401 exam?
Thanks to killexams.com, I had valid and accurate test questions and answers. Even with only a basic understanding of the QQ0-401 test and offerings, I passed the test easily. Although I was initially burdened by the vast amount of information, going through the questions made things easier, and I had an incredible experience with Killexams.

Download these real QQ0-401 questions and study help.
It's great to hear that you have found killexams.com Questions Answers useful in preparing for your exam, and that they have become an addiction for you. They understand the importance of having a reference guide to go through to get a better understanding of the subject, and they are glad that their product helped you achieve a high score in your exam.

Do you want dumps latest syllabus QQ0-401 test to clean the exam?
Thanks to killexams.com, I passed the difficult QQ0-401 exam. I do not know how long it would have taken me to prepare for the test without the support of killexams.com. The questions provided are easy to memorize, real, and accurate, helping you understand what to expect in the exam. Passing the complex test and obtaining your QQ0-401 certification for your resume is a significant accomplishment.

HDI Qualification syllabus


While it is very hard task to choose reliable certification questions / answers resources with respect to review, reputation and validity because people get ripoff due to choosing wrong service. Killexams.com make it sure to serve its clients best to its resources with respect to ACTUAL EXAM QUESTIONS update and validity. Most of other's ripoff report complaint clients come to us for the brain dumps and pass their exams happily and easily. They never compromise on their review, reputation and quality because killexams review, killexams reputation and killexams client confidence is important to us. Specially they take care of killexams.com review, killexams.com reputation, killexams.com ripoff report complaint, killexams.com trust, killexams.com validity, killexams.com report and killexams.com scam. The same care that they take about killexams review, killexams reputation, killexams ripoff report complaint, killexams trust, killexams validity, killexams report and killexams scam. If you see any false report posted by their competitors with the name killexams ripoff report complaint internet, killexams ripoff report, killexams scam, killexams.com complaint or something like this, just keep in mind that there are always bad people damaging reputation of good services due to their benefits. There are thousands of satisfied customers that pass their exams using killexams.com brain dumps, killexams PDF questions, killexams practice questions, killexams test simulator. Visit Their trial questions and trial brain dumps, their test simulator and you will definitely know that killexams.com is the best brain dumps site.

Which is the best dumps website?
You bet, Killexams is totally legit plus fully trusted. There are several features that makes killexams.com traditional and legitimate. It provides informed and totally valid ACTUAL EXAM QUESTIONS comprising real exams questions and answers. Price is nominal as compared to almost all of the services on internet. The Questions Answers are kept up to date on common basis having most recent brain dumps. Killexams account structure and merchandise delivery is really fast. Record downloading is actually unlimited and also fast. Support is avaiable via Livechat and Contact. These are the characteristics that makes killexams.com a sturdy website offering ACTUAL EXAM QUESTIONS with real exams questions.

Is killexams.com test material dependable?
There are several Questions 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 2024 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 test Questions Answers 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 collection 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 download 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 Answers will be provided in your download Account. You can download 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 real Test. Go register for Test in Exam Center and Enjoy your Success.

DEA-5TT2 practice test | 2V0-33.22 free pdf | PEGACPSA88V1 prep questions | 6211 trial test | DEE-1721 Dumps | CSQA study guide | OMG-OCUP-300 question test | CSSGB test Braindumps | CRT-450 Study Guide | DSA-C02 practice test | CIPS-L4M7-Procurement ACTUAL EXAM QUESTIONS | S90.05A Questions Answers | CFE-FT-FS VCE | ADX-271 free test papers | ES0-004 study guide | PET test results | Salesforce-Advanced-Cross-Channel free prep | PL-400 Practice Questions | Okta-Certified-Developer free pdf download | CCSP practice test |

QQ0-401 - SDI-Service Desk Foundation Qualification test Questions
QQ0-401 - SDI-Service Desk Foundation Qualification education
QQ0-401 - SDI-Service Desk Foundation Qualification test Braindumps
QQ0-401 - SDI-Service Desk Foundation Qualification guide
QQ0-401 - SDI-Service Desk Foundation Qualification Free test PDF
QQ0-401 - SDI-Service Desk Foundation Qualification information hunger
QQ0-401 - SDI-Service Desk Foundation Qualification guide
QQ0-401 - SDI-Service Desk Foundation Qualification test success
QQ0-401 - SDI-Service Desk Foundation Qualification test
QQ0-401 - SDI-Service Desk Foundation Qualification real questions
QQ0-401 - SDI-Service Desk Foundation Qualification cheat sheet
QQ0-401 - SDI-Service Desk Foundation Qualification test prep
QQ0-401 - SDI-Service Desk Foundation Qualification Latest Questions
QQ0-401 - SDI-Service Desk Foundation Qualification test
QQ0-401 - SDI-Service Desk Foundation Qualification education
QQ0-401 - SDI-Service Desk Foundation Qualification book
QQ0-401 - SDI-Service Desk Foundation Qualification test contents
QQ0-401 - SDI-Service Desk Foundation Qualification test Questions
QQ0-401 - SDI-Service Desk Foundation Qualification test contents
QQ0-401 - SDI-Service Desk Foundation Qualification Question Bank
QQ0-401 - SDI-Service Desk Foundation Qualification exam
QQ0-401 - SDI-Service Desk Foundation Qualification PDF Download
QQ0-401 - SDI-Service Desk Foundation Qualification Free PDF
QQ0-401 - SDI-Service Desk Foundation Qualification study tips
QQ0-401 - SDI-Service Desk Foundation Qualification test Questions
QQ0-401 - SDI-Service Desk Foundation Qualification PDF Download
QQ0-401 - SDI-Service Desk Foundation Qualification test format
QQ0-401 - SDI-Service Desk Foundation Qualification testing
QQ0-401 - SDI-Service Desk Foundation Qualification ACTUAL EXAM QUESTIONS
QQ0-401 - SDI-Service Desk Foundation Qualification Practice Test
QQ0-401 - SDI-Service Desk Foundation Qualification information hunger
QQ0-401 - SDI-Service Desk Foundation Qualification braindumps
QQ0-401 - SDI-Service Desk Foundation Qualification dumps
QQ0-401 - SDI-Service Desk Foundation Qualification real questions
QQ0-401 - SDI-Service Desk Foundation Qualification test prep
QQ0-401 - SDI-Service Desk Foundation Qualification ACTUAL EXAM QUESTIONS
QQ0-401 - SDI-Service Desk Foundation Qualification Test Prep
QQ0-401 - SDI-Service Desk Foundation Qualification Latest Topics
QQ0-401 - SDI-Service Desk Foundation Qualification Question Bank
QQ0-401 - SDI-Service Desk Foundation Qualification syllabus
QQ0-401 - SDI-Service Desk Foundation Qualification book
QQ0-401 - SDI-Service Desk Foundation Qualification Dumps
QQ0-401 - SDI-Service Desk Foundation Qualification outline
QQ0-401 - SDI-Service Desk Foundation Qualification learning


HD0-400 Study Guide | HD0-200 VCE | QQ0-401 english test questions |

Best ACTUAL EXAM QUESTIONS You Ever Experienced

CPIM real Questions | SPLK-3002 test Questions | ATTA Practice Questions | FCNSP prep questions | AZ-400 examcollection | Watchguard-Essentials practice test | NSE5_FMG-7.0 test tips | 2B0-104 practice questions | CABA free pdf | AICP Study Guide | 1T6-215 braindumps | Adwords-Display test example | 200-301 braindumps | ITS-210 Test Prep | TFNSTRETEICT1100 test questions | 4A0-C04 boot camp | 72301X practical test | 2B0-101 PDF Braindumps | Fireware-Essentials download | 500-901 dumps |

References :


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

Direct Download

QQ0-401 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.

QQ0-401 Reviews

100% Valid and Up to Date QQ0-401 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