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 QlikView-Business-Analyst-Certification?
Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der QlikView-Business-Analyst-Certification: QlikView Business Analyst Certification (QVBAC) Prüfung.
2025 Updated Actual QlikView-Business-Analyst-Certification questions as experienced in Test Center
Aktuelle QlikView-Business-Analyst-Certification Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz
QlikView QlikView-Business-Analyst-Certification : QlikView Business Analyst Certification (QVBAC) Practice TestsPractice Tests Organized by Shahid nazir |
Latest 2024 Updated QlikView QlikView Business Analyst Certification (QVBAC) Syllabus
QlikView-Business-Analyst-Certification question bank with Premium PDF and Test Engine
Practice Tests and Free VCE Software - Questions Updated on Daily Basis
Big Discount / Cheapest price & 100% Pass Guarantee
QlikView-Business-Analyst-Certification question bank : Download 100% Free QlikView-Business-Analyst-Certification practice exams (PDF and VCE)
Exam Number : QlikView-Business-Analyst-Certification
Exam Name : QlikView Business Analyst Certification (QVBAC)
Vendor Name : QlikView
Update : Click Here to Check Latest Update
Question Bank : Check Questions
Specifically same QlikView-Business-Analyst-Certification Real test Questions that I actually saw in the true test!
At killexams.com, they offer QlikView-Business-Analyst-Certification examination questions with a 100% pass assurance. You need to practice QlikView-Business-Analyst-Certification questions for at least one day to score well on the QlikView Business Analyst Certification (QVBAC) exam. Your real task in the QlikView-Business-Analyst-Certification test actually starts with killexams.com, which is great and legitimate.
Killexams.com deserves appreciation for providing comprehensive QlikView QlikView-Business-Analyst-Certification ACTUAL EXAM QUESTIONS. They assure you that it is the most straightforward way to succeed in the QlikView QlikView Business Analyst Certification (QVBAC) test and achieve outstanding scores. Before purchasing the full version of QlikView-Business-Analyst-Certification Free test PDF, you can get the free dumps, which are 100 percent genuine. Their QlikView-Business-Analyst-Certification test questions are almost identical to the real test questions. Their certified experts gather the QlikView-Business-Analyst-Certification Questions and Answers. With their legitimate and updated QlikView-Business-Analyst-Certification Free test PDF, their experts ensure that you are 100 percent prepared. They guarantee that you will pass the QlikView-Business-Analyst-Certification real test with 100 percent assurance.
Killexams.com's experts put a lot of effort into gathering genuine QlikView-Business-Analyst-Certification test questions to ensure your success. By providing the most updated and valid QlikView-Business-Analyst-Certification Free test PDF, their certified prepare you to pass the QlikView-Business-Analyst-Certification real test with flying colors. Their QlikView-Business-Analyst-Certification Braindumps are identical to the real test questions, which are gathered by their certified experts. They guarantee that their legitimate and most exact QlikView-Business-Analyst-Certification Free test PDF will make you 100 percent prepared to pass the QlikView-Business-Analyst-Certification genuine test with a 100 percent assurance. You can get their 100 percent free dumps before purchasing the full version of QlikView-Business-Analyst-Certification Free test PDF.
QlikView-Business-Analyst-Certification test Format | QlikView-Business-Analyst-Certification Course Contents | QlikView-Business-Analyst-Certification Course Outline | QlikView-Business-Analyst-Certification test Syllabus | QlikView-Business-Analyst-Certification test Objectives
Identify Requirements (23% of the exam)
Describe how the Qlik Sense capabilities can assist in analysis of data.
Determine which Qlik products and QSE features/methods are needed to meet business requirements.
Translate business needs into technical requirements.
Design Application (22% of the exam)
Organize the application layout to meet business needs.
Determine which visualizations meet business requirements.
Determine design elements needed for flexibility, ease of use, and maintenance.
Prepare and Load Data (25% of the exam)
Apply the steps to create the associative data model using the data manager.
Troubleshoot basic data modeling and data issues.
Develop Application (30% of the exam)
Configure dashboards and visualizations to illustrate business insights.
Apply steps to share business insights.
Killexams Review | Reputation | Testimonials | Feedback
It is truly a great experience to have QlikView-Business-Analyst-Certification real test questions.
As someone in the IT field, passing the QlikView-Business-Analyst-Certification test was critical for me, but I had trouble finding the time to prepare. Killexams.com provided easy-to-memorize answers that made it much easier for me to prepare. Their guide worked like a complete reference guide and I was amazed at the result. I referred to their observe guide with 2 weeks left to prepare, and I managed to finish all the questions well within the stipulated time.
Get those awesome QlikView-Business-Analyst-Certification practice exams that contain real test questions.
The team at killexams.com deserves a big thank you for creating exceptional practice exams for the QlikView-Business-Analyst-Certification exam. It's clear that students cannot even think of attempting the QlikView-Business-Analyst-Certification test without the help of the killexams test engine. I had tried various resources for my test preparation, but I lacked the confidence to take the QlikView-Business-Analyst-Certification exam. However, killexams test guide made test preparation easy and boosted my confidence to attempt the exam.
The right place to find the latest QlikView-Business-Analyst-Certification practice test papers.
The killexams.com practice test are designed to provide the right abilities to the students, making learning easy and brief. Their material is custom-designed, which does not become overwhelming or burdensome for the students. I found their ILT ebook to be very effective and recommend it to my colleagues and everyone looking for a high-quality answer for the QlikView-Business-Analyst-Certification exam.
Real test QlikView-Business-Analyst-Certification questions.
I found killexams.com to be very helpful, and it made my QlikView-Business-Analyst-Certification test much easier. Thanks to killexams.com, I passed the test successfully.
I found a very good source of QlikView-Business-Analyst-Certification material.
I have tried several other test practice exams in the past, but the quality of the QlikView-Business-Analyst-Certification testprep from killexams.com is superior. I am grateful for their exceptional materials, which helped me score 95% on the exam. Their Braindumps truly taught me how to think like the test and succeed.
QlikView Business techniques
QlikView-Business-Analyst-Certification Exam
User: Nastasha***** The candidate highly recommends killexams.com products for students seeking success. The QLIKVIEW-BUSINESS-ANALYST-CERTIFICATION test guide helped the candidate understand all the essential concepts, and the test engine scored a 92% for them. The candidate is grateful to the team of killexams.com for their help. |
User: Peter***** The killexams.com QLIKVIEW-BUSINESS-ANALYST-CERTIFICATION practice exams product is unmatched in its quality and validity. Although some parts of the training were complex, the Braindumps and test simulator made everything easier. I was able to breeze through the test because of these resources, and I was amazed by the exactness of the practice test. Thank you for all your help and support. |
User: Enzo***** I recently passed the QLIKVIEW-BUSINESS-ANALYST-CERTIFICATION test with the help of Killexams.com. This bundle is an incredible solution if you need brief yet reliable training for the QLIKVIEW-BUSINESS-ANALYST-CERTIFICATION exam. As far as test simulations go, Killexams.com is the winner. Their test simulator surely simulates the exam, including the particular query sorts. It made things less complicated, and in my case, I consider it contributed to me getting 100% marks! I could not believe my eyes! I knew I did well, but this was a surprise. |
User: Vlad***** With the help of killexams.com, any college student can be successful in their studies. I personally benefited from their QLIKVIEW-BUSINESS-ANALYST-CERTIFICATION test guide, which helped me to grasp all the crucial concepts necessary for the certification. I scored 92% on the exam, thanks to their excellent test engine. I am grateful for the assistance of the killexams.com team. |
User: Zoya***** Achieving a happy future requires hard work and determination. However, hard work alone is often not enough. One needs a reliable path to guide them towards their goals. Fortunately, during my preparation for the qlikview-business-analyst-certification exam, I stumbled upon Killexams.com, which turned out to be the perfect guide towards my future success. With the help of Killexams.com and its teachers, I was able to receive the necessary materials to pass my test with flying colors. |
QlikView-Business-Analyst-Certification Exam
Question: Do I need real test questions of QlikView-Business-Analyst-Certification test to pass the exam? Answer: Of course, You need real test questions to pass the QlikView-Business-Analyst-Certification exam. These QlikView-Business-Analyst-Certification test questions are taken from real test sources, that's why these QlikView-Business-Analyst-Certification test questions are sufficient to read and pass the exam. Although you can use other sources also for improvement of knowledge like textbooks and other aid material these QlikView-Business-Analyst-Certification questions are sufficient to pass the exam. |
Question: I need valid QlikView-Business-Analyst-Certification questions, where should I go? Answer: You visit the killexams QlikView-Business-Analyst-Certification test page, you will be able to get complete details of valid QlikView-Business-Analyst-Certification questions. You can also go to https://killexams.com/demo-download/QlikView-Business-Analyst-Certification.pdf to get QlikView-Business-Analyst-Certification sample questions. After review visit and register to get the complete question bank of QlikView-Business-Analyst-Certification test test prep. These QlikView-Business-Analyst-Certification test questions are taken from real test sources, that's why these QlikView-Business-Analyst-Certification test questions are sufficient to read and pass the exam. Although you can use other sources also for improvement of knowledge like textbooks and other aid material these QlikView-Business-Analyst-Certification questions are enough to pass the exam. |
Question: Are these QlikView-Business-Analyst-Certification dumps sufficient to pass the exam? Answer: These QlikView-Business-Analyst-Certification test questions are taken from real test sources, that's why these QlikView-Business-Analyst-Certification test questions are sufficient to read and pass the exam. Although you can use other sources also for improvement of knowledge like textbooks and other aid material these QlikView-Business-Analyst-Certification questions are sufficient to pass the exam. |
Question: Is killexams QlikView-Business-Analyst-Certification test guide dependable? Answer: Yes, killexams guides contain up-to-date and valid QlikView-Business-Analyst-Certification practice test. These Braindumps in the study guide will help you pass your test with good marks. |
Question: Are QlikView-Business-Analyst-Certification questions updated daily? Answer: It depends on the vendor that takes the test, like Cisco, IBM, HP, CompTIA, and all others. There is no set frequency in which QlikView-Business-Analyst-Certification test is changed. The vendor can change the QlikView-Business-Analyst-Certification test questions any time they like. But when test questions are changed, they update their PDF and VCE accordingly. Their team keeps on checking updates of the QlikView-Business-Analyst-Certification exam. When test questions are changed in real QlikView-Business-Analyst-Certification tests, they update their PDF and VCE accordingly. There is no set frequency in which QlikView-Business-Analyst-Certification test is changed. The vendor can change the QlikView-Business-Analyst-Certification test questions any time they like. |
https://www.pass4surez.com/art/read.php?keyword=QlikView+Business+techniques&lang=us&links=remove
Unquestionably it is hard assignment to pick dependable certification questions/answers assets regarding review, reputation and validity since individuals get sham because of picking incorrectly benefit. Killexams.com ensure to serve its customers best to its assets concerning ACTUAL EXAM QUESTIONS update and validity. The vast majority of other's sham report dissension customers come to us for the brain dumps and pass their exams joyfully and effortlessly. They never trade off on their review, reputation and quality on the grounds that killexams review, killexams reputation and killexams customer certainty is imperative to us. Uniquely they deal with killexams.com review, killexams.com reputation, killexams.com sham report objection, killexams.com trust, killexams.com validity, killexams.com report and killexams.com scam. On the off chance that you see any false report posted by their rivals with the name killexams sham report grievance web, killexams.com sham report, killexams.com scam, killexams.com protest or something like this, simply remember there are constantly awful individuals harming reputation of good administrations because of their advantages. There are a huge number of fulfilled clients that pass their exams utilizing killexams.com brain dumps, killexams PDF questions, killexams hone questions, killexams test simulator. Visit Killexams.com, their specimen questions and test brain dumps, their test simulator and you will realize that killexams.com is the best brain dumps site.
Which is the best practice exams website?
Certainly, Killexams is hundred percent legit and also fully trusted. There are several features that makes killexams.com realistic and reliable. It provides knowledgeable and hundred percent valid test questions formulated with real exams questions and answers. Price is very low as compared to most of the services on internet. The Braindumps are up-to-date on typical basis together with most exact questions. Killexams account method and merchandise delivery is very fast. Computer file downloading is unlimited as well as fast. Support is avaiable via Livechat and Contact. These are the characteristics that makes killexams.com a strong website that deliver test prep with real exams questions.
Is killexams.com test material dependable?
There are several Braindumps 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 get sites or reseller sites. Thats why killexams.com update test Braindumps with the same frequency as they are updated in Real Test. test questions provided by killexams.com are Reliable, Up-to-date and validated by Certified Professionals. They maintain question bank 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 get PDF test Questions from killexams.com and get ready for real exam. When you feel that you should register for Premium Version, Just choose visit killexams.com and register, you will receive your Username/Password in your Email within 5 to 10 minutes. All the future updates and changes in Braindumps will be provided in your get Account. You can get Premium practice test 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.
INBDE test prep | DU0-001 prep questions | 4A0-116 past exams | GRITC questions get | BCP-520 test questions | ANS-C01 Study Guide | BONENT-CHBT VCE | S2000-001 test prep | ADM-BC mock questions | WPT-R practice questions | DES-2T13 certification sample | Salesforce-Process-Automation-Accredited-Professional Latest Questions | Salesforce-Certified-Community-Cloud-Consultant online test | C1000-101 practice questions | DAS-C01 test tips | H12-222 free pdf get | H12-221 Test Prep | Salesforce-Certified-CPQ-Specialist test answers | ACE test results | JN0-231 sample test |
QlikView-Business-Analyst-Certification - QlikView Business Analyst Certification (QVBAC) Real test Questions
QlikView-Business-Analyst-Certification - QlikView Business Analyst Certification (QVBAC) test Questions
QlikView-Business-Analyst-Certification - QlikView Business Analyst Certification (QVBAC) real questions
QlikView-Business-Analyst-Certification - QlikView Business Analyst Certification (QVBAC) PDF download
QlikView-Business-Analyst-Certification - QlikView Business Analyst Certification (QVBAC) teaching
QlikView-Business-Analyst-Certification - QlikView Business Analyst Certification (QVBAC) testing
QlikView-Business-Analyst-Certification - QlikView Business Analyst Certification (QVBAC) test questions
QlikView-Business-Analyst-Certification - QlikView Business Analyst Certification (QVBAC) real Questions
QlikView-Business-Analyst-Certification - QlikView Business Analyst Certification (QVBAC) practice tests
QlikView-Business-Analyst-Certification - QlikView Business Analyst Certification (QVBAC) test questions
QlikView-Business-Analyst-Certification - QlikView Business Analyst Certification (QVBAC) information hunger
QlikView-Business-Analyst-Certification - QlikView Business Analyst Certification (QVBAC) Real test Questions
QlikView-Business-Analyst-Certification - QlikView Business Analyst Certification (QVBAC) Latest Questions
QlikView-Business-Analyst-Certification - QlikView Business Analyst Certification (QVBAC) test help
QlikView-Business-Analyst-Certification - QlikView Business Analyst Certification (QVBAC) cheat sheet
QlikView-Business-Analyst-Certification - QlikView Business Analyst Certification (QVBAC) guide
QlikView-Business-Analyst-Certification - QlikView Business Analyst Certification (QVBAC) test
QlikView-Business-Analyst-Certification - QlikView Business Analyst Certification (QVBAC) guide
QlikView-Business-Analyst-Certification - QlikView Business Analyst Certification (QVBAC) book
QlikView-Business-Analyst-Certification - QlikView Business Analyst Certification (QVBAC) Questions and Answers
QlikView-Business-Analyst-Certification - QlikView Business Analyst Certification (QVBAC) information search
QlikView-Business-Analyst-Certification - QlikView Business Analyst Certification (QVBAC) study tips
QlikView-Business-Analyst-Certification - QlikView Business Analyst Certification (QVBAC) test Questions
QlikView-Business-Analyst-Certification - QlikView Business Analyst Certification (QVBAC) PDF Questions
QlikView-Business-Analyst-Certification - QlikView Business Analyst Certification (QVBAC) Free test PDF
QlikView-Business-Analyst-Certification - QlikView Business Analyst Certification (QVBAC) test cram
QlikView-Business-Analyst-Certification - QlikView Business Analyst Certification (QVBAC) course outline
QlikView-Business-Analyst-Certification - QlikView Business Analyst Certification (QVBAC) learn
QlikView-Business-Analyst-Certification - QlikView Business Analyst Certification (QVBAC) test
QlikView-Business-Analyst-Certification - QlikView Business Analyst Certification (QVBAC) test format
QlikView-Business-Analyst-Certification - QlikView Business Analyst Certification (QVBAC) Test Prep
QlikView-Business-Analyst-Certification - QlikView Business Analyst Certification (QVBAC) Free PDF
QlikView-Business-Analyst-Certification - QlikView Business Analyst Certification (QVBAC) test cram
QlikView-Business-Analyst-Certification - QlikView Business Analyst Certification (QVBAC) Question Bank
QlikView-Business-Analyst-Certification - QlikView Business Analyst Certification (QVBAC) Free test PDF
QlikView-Business-Analyst-Certification - QlikView Business Analyst Certification (QVBAC) PDF questions
QlikView-Business-Analyst-Certification - QlikView Business Analyst Certification (QVBAC) test Questions
QlikView-Business-Analyst-Certification - QlikView Business Analyst Certification (QVBAC) Latest Questions
QlikView-Business-Analyst-Certification - QlikView Business Analyst Certification (QVBAC) guide
QlikView-Business-Analyst-Certification - QlikView Business Analyst Certification (QVBAC) test Questions
QlikView-Business-Analyst-Certification - QlikView Business Analyst Certification (QVBAC) Real test Questions
QlikView-Business-Analyst-Certification - QlikView Business Analyst Certification (QVBAC) Free PDF
QlikView-Business-Analyst-Certification - QlikView Business Analyst Certification (QVBAC) Study Guide
QlikView-Business-Analyst-Certification - QlikView Business Analyst Certification (QVBAC) Practice Test
Other QlikView Practice Tests
QSDA2022 Practice Questions | QlikView-Business-Analyst-Certification test practice | QSBA2021 Free PDF | QV_Developer_11 test Questions | QlikView-System-Administrator-Certification test prep | QV12SA free test papers | QSSA2023 prep questions |
Best practice exams You Ever Experienced
IAAP-CAP real questions | MB-700 test Questions | ABOHN-COHN-S test sample | ATA examcollection | 1T6-222 study guide | OGEA-103 free prep | WCNA sample test questions | 3V0-752 free questions | SPLK-2002 free test practice | NCEES-FE-Electrical-and-Computer test example | HPE6-A75 test results | 2B0-018 cram book | 202-450 free test papers | 1V0-21.20 test prep | NSE6_FAC-6.4 study help | MAC-16A mock test | SAFe-DevOps test questions | GNP-BC free questions | CIMAPRA17-BA2-1-ENG questions download | H13-711_V3.0-ENU practice exam |
References :
Similar Websites :
Pass4sure Certification test Practice Tests
Pass4Sure Certification Question Bank
QlikView-Business-Analyst-Certification Reviews by Customers
Customer Reviews help to evaluate the exam performance in real test. Here all the reviews, reputation, success stories and ripoff reports provided.
100% Valid and Up to Date QlikView-Business-Analyst-Certification 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