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 SPHR?
Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der SPHR: Senior Professional in Human Resources (HRCI SPHR) Prüfung.
2024 Updated Actual SPHR questions as experienced in Test Center
Aktuelle SPHR Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz
HR SPHR : Senior Professional in Human Resources (HRCI SPHR) ACTUAL EXAM QUESTIONSExam Dumps Organized by Richard |
Latest 2024 Updated HR Senior Professional in Human Resources (HRCI SPHR) Syllabus
SPHR 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
SPHR Test Center Questions : Download 100% Free SPHR ACTUAL EXAM QUESTIONS (PDF and VCE)
Exam Number : SPHR
Exam Name : Senior Professional in Human Resources (HRCI SPHR)
Vendor Name : HR
Update : Click Here to Check Latest Update
Question Bank : Check Questions
Guarantee your prosperity with SPHR Practice Test full of PDF Download bank
There may be SPHR Exam dumps from which HR selects a variety of questions for you to answer in the real Senior Professional in Human Resources (HRCI SPHR) exam. They provide the complete pool of SPHR questions so that you do not miss any question in the genuine Senior Professional in Human Resources (HRCI SPHR) exam. You can obtain 100% free Exam Questions before deciding to register for a full copy of SPHR PDF Download.
Killexams.com provides the latest and up-to-date HR SPHR Question Bank, which are essential to pass the Senior Professional in Human Resources (HRCI SPHR) test with excellent grades. Their Questions and Answers and VCE are trusted by their clients who have passed the genuine SPHR test in their first attempt. Killexams.com is known for its credible SPHR genuine test questions, and they constantly update their SPHR Question Bank to ensure they are legitimate and current. Their Senior Professional in Human Resources (HRCI SPHR) ACTUAL EXAM QUESTIONS are designed to help you breeze through the test and excel.
If you are looking for a lucrative job and want to pass the HR SPHR test, then killexams.com is the perfect platform for you. Their experts gather genuine SPHR test questions to provide you with the best Senior Professional in Human Resources (HRCI SPHR) test questions and VCE test system to ensure your success. You can get updated and valid SPHR test questions each time you log in to your account. While some organizations offer SPHR Question Bank for free, be cautious before relying on them as they may not be updated or valid. Choose killexams.com to ensure your success in the SPHR test.
SPHR test Format | SPHR Course Contents | SPHR Course Outline | SPHR test Syllabus | SPHR test Objectives
Showcase the HR leadership recognition you deserve with the Senior Professional in Human Resources® (SPHR®) from HR Certification Institute® (HRCI®). The SPHR demonstrates your mastery of the strategic and policy-making aspects of HR management as practiced in the U.S. The credential is designed for big-picture thinkers responsible for planning rather than implementing HR policy. Organizations seek out SPHR professionals for their proven accountability for HR department goals, for breadth and depth of knowledge in all HR disciplines, and for understanding business issues beyond the HR function.
Exam time: 3 hours
Exam length: 150 scored questions (mostly multiple-choice) + 25 pretest questions
Computer-based test at a Pearson VUE testing center
Leadership and Strategy (40%)
Talent Planning and Acquisition (16%)
Learning and Development (12%)
Total Rewards (12%)
Employee Relations and Engagement (20%)
01 Develop and execute HR plans that are aligned to the organizations strategic plan
(for example: HR strategic plans, budgets, business plans, service delivery plans, HRIS, technology)
02 Evaluate the applicability of federal laws and regulations to organizational strategy
(for example: policies, programs, practices, business expansion/reduction)
03 Analyze and assess organizational practices that impact operations and people management to
decide on the best available risk management strategy (for example: avoidance, mitigation, acceptance)
04 Interpret and use business metrics to assess and drive achievement of strategic goals
and objectives (for example: key performance indicators, financial statements, budgets)
05 Design and evaluate HR data indicators to inform strategic actions within the organization
(for example: turnover rates, cost per hire, retention rates)
06 Evaluate credibility and relevance of external information to make decisions and recommendations (for example: salary data, management trends, published surveys and studies, legal/regulatory analysis)
07 Contribute to the development of the organizational strategy and planning (for example: vision, mission, values, ethical conduct)
08 Develop and manage workplace practices that are aligned with the organizations statements of vision, values, and ethics to shape and reinforce organizational culture
09 Design and manage effective change strategies to align organizational performance with the organizations strategic goals
10 Establish and manage effective relationships with key stakeholders to influence organizational behavior and outcomes
01 Vision, mission, and values of an organization and applicable legal and regulatory requirements
02 Strategic planning process
03 Management functions, including planning, organizing, directing, and controlling
04 Corporate governance procedures and compliance
05 Business elements of an organization (for example: products, competition, customers, technology, demographics, culture, processes, safety and security)
06 Third-party or vendor selection, contract negotiation, and management, including development of requests for proposals (RFPs)
07 Project management (for example: goals, timetables, deliverables, and procedures)
08 Technology to support HR activities
09 Budgeting, accounting, and financial concepts (for example: evaluating financial statements,
budgets, accounting terms, and cost management)
10 Techniques and methods for organizational design (for example: outsourcing, shared services,
organizational structures)
11 Methods of gathering data for strategic planning purposes (for example: Strengths, Weaknesses,
Opportunities, and Threats [SWOT], and Political, Economic, Social, and Technological [PEST])
12 Qualitative and quantitative methods and tools used for analysis, interpretation,
and decision making purposes
13 Change management processes and techniques
14 Techniques for forecasting, planning, and predicting the impact of HR activities and programs
across functional areas
15 Risk management
16 How to deal with situations that are uncertain, unclear, or chaotic
01 Evaluate and forecast organizational needs throughout the business cycle to create or develop
workforce plans (for example: corporate restructuring, workforce expansion, or reduction)
02 Develop, monitor, and assess recruitment strategies to attract desired talent
(for example: labor market analysis, compensation strategies, selection process, onboarding,
sourcing and branding strategy)
03 Develop and evaluate strategies for engaging new employees and managing cultural integrations
(for example: new employee acculturation, downsizing, restructuring, mergers and acquisitions,
divestitures, global expansion)
17 Planning techniques (for example: succession planning, forecasting)
18 Talent management practices and techniques (for example: selecting and
assessing employees)
19 Recruitment sources and strategies
20 Staffing alternatives (for example: outsourcing, temporary employment)
21 Interviewing and selection techniques and strategies
22 Impact of total rewards on recruitment and retention
23 Termination approaches and strategies
24 Employee engagement strategies
25 Employer marketing and branding techniques
26 Negotiation skills and techniques
27 Due diligence processes (for example: mergers and acquisitions, divestitures)
28 Transition techniques for corporate restructuring, mergers and acquisitions, offshoring,
and divestitures
29 Methods to assess past and future staffing effectiveness (for example: cost per hire,
selection ratios, adverse impact)
01 Develop and evaluate training strategies (for example: modes of delivery, timing, content)
to increase individual and organizational effectiveness
02 Analyze business needs to develop a succession plan for key roles (for example: identify talent,
outline career progression, coaching and development) to promote business continuity
03 Develop and evaluate employee retention strategies and practices (for example: assessing talent,
developing career paths, managing job movement within the organization)
30 Training program design and development
31 Adult learning processes
32 Training and facilitation techniques
33 Instructional design principles and processes (for example: needs analysis, content chunking,
process flow mapping)
34 Techniques to assess training program effectiveness, including use of applicable metrics
35 Career and leadership development theories and applications
36 Organizational development (OD) methods, motivation methods, and problem-solving techniques
37 Coaching and mentoring techniques
38 Effective communication skills and strategies (for example: presentation, collaboration, sensitivity)
39 Employee retention strategies
40 Techniques to encourage creativity and innovation
01 Analyze and evaluate compensation strategies (for example: philosophy, classification, direct,
indirect, incentives, bonuses, equity, executive compensation) that attract, reward, and retain talent
02 Analyze and evaluate benefit strategies (for example: health, welfare, retirement, recognition
programs, work-life balance, wellness) that attract, reward, and retain talent
41 Compensation strategies and philosophy
42 Job analysis and evaluation methods
43 Job pricing and pay structures
44 External labor markets and economic factors
45 Executive compensation methods
46 Non-cash compensation methods
47 Benefits program strategies
48 Fiduciary responsibilities
49 Motivation concepts and applications
50 Benchmarking techniques
01 Design and evaluate strategies for employee satisfaction (for example: recognition, career path)
and performance management (for example: performance evaluation, corrective action, coaching)
02 Analyze and evaluate strategies to promote diversity and inclusion
03 Evaluate employee safety and security strategies (for example: OSHA, HIPAA, emergency
response plan, building access, data security/privacy)
04 Develop and evaluate labor strategies (for example: collective bargaining, grievance program,
concerted activity, staying union free, strategically aligning with labor)
51 Strategies to facilitate positive employee relations
52 Methods for assessing employee attitudes, opinions, and satisfaction
53 Performance management strategies
54 Human relations concepts and applications
55 Ethical and professional standards
56 Diversity and inclusion concepts and applications
57 Occupational injury and illness prevention techniques
58 Workplace safety and security risks, and strategies
59 Emergency response, business continuity and disaster recovery strategies
60 Internal investigation, monitoring, and surveillance techniques
61 Data security and privacy
62 The collective bargaining process, strategies, and concepts (for example:
contract negotiation, costing, administration)
Killexams Review | Reputation | Testimonials | Feedback
Simply attempt these actual SPHR test questions and achievement is yours.
For those who are new to SPHR, killexams.com is a must-have resource. Their materials cover every component of the exam, and their braindumps are extremely helpful. I was able to step up my understanding of SPHR thanks to killexams.com and passed the test with ease. I have been recommending it to my friends and co-workers ever since.
Keep practicing these brain dumps questions for SPHR exam.
I have been using killexams.com for years to study for IT exams, and they always provide reliable materials. The SPHR test was no exception. I used their questions/answers and test simulator, and they were both authentic and valid. I have only heard good things about their customer service, although I have never needed to contact them myself.
Get Excellent Marks in little time for education.
I have tried several other test braindumps in the past, but the quality of the SPHR ACTUAL EXAM QUESTIONS 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.
It is unbelieveable, but SPHR updated dumps are availabe right here.
My friend suggested I subscribe to killexams.com to get additional resources for my SPHR exams, and I found the platform very comforting and helpful. I knew it would help me pass my SPHR exam, and it did.
Dont waste a while on searching internet, simply try these SPHR Questions and answers.
While having a sharp mind is important for success in the SPHR exam, having a knowledgeable and certified instructor is equally crucial. I was fortunate to have found killexams.com, where I met excellent educators who provided me with the necessary guidance to pass my test with ease. I am truly grateful for their support and dedication.
HR Resources cheat sheet
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 dumps website?
Of course, Killexams is 100 % legit plus fully reliable. There are several includes that makes killexams.com genuine and respectable. It provides up to date and 100 % valid ACTUAL EXAM QUESTIONS that contains real exams questions and answers. Price is very low as compared to a lot of the services online. The Braindumps are refreshed on ordinary basis using most exact brain dumps. Killexams account make and merchandise delivery is extremely fast. Record downloading will be unlimited and very fast. Assist is avaiable via Livechat and Contact. These are the characteristics that makes killexams.com a strong website that provide ACTUAL EXAM QUESTIONS with real exams questions.
Is killexams.com test material dependable?
There are several Braindumps 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 get sites or reseller sites. Thats why killexams.com update test Braindumps 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 Topics of new syllabus, They recommend to get 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 Braindumps will be provided in your get Account. You can get Premium ACTUAL EXAM QUESTIONS files as many times as you want, There is no limit.
Killexams.com has provided VCE VCE 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 Test Center and Enjoy your Success.
PMP-2024 practice questions | E20-562 online test | LSAT test papers | CHFP test demo | WorkKeys practice questions | A8 VCE test | LSAT-Logical-Reasoning ACTUAL EXAM QUESTIONS | SPLK-2003 test questions | H12-721 english test questions | MHAP pass marks | CDL demo questions | BI0-210 past exams | NS0-527 cbt | CTIL-001 dumps | Google-PCA test questions | D-UN-DY-23 test practice | 102-500 Dumps | HPE0-S57 study questions | USMLE practice test | SPLK-1001 dump |
SPHR - Senior Professional in Human Resources (HRCI SPHR) techniques
SPHR - Senior Professional in Human Resources (HRCI SPHR) ACTUAL EXAM QUESTIONS
SPHR - Senior Professional in Human Resources (HRCI SPHR) education
SPHR - Senior Professional in Human Resources (HRCI SPHR) information source
SPHR - Senior Professional in Human Resources (HRCI SPHR) questions
SPHR - Senior Professional in Human Resources (HRCI SPHR) ACTUAL EXAM QUESTIONS
SPHR - Senior Professional in Human Resources (HRCI SPHR) Questions and Answers
SPHR - Senior Professional in Human Resources (HRCI SPHR) Free PDF
SPHR - Senior Professional in Human Resources (HRCI SPHR) study help
SPHR - Senior Professional in Human Resources (HRCI SPHR) test success
SPHR - Senior Professional in Human Resources (HRCI SPHR) test Questions
SPHR - Senior Professional in Human Resources (HRCI SPHR) information hunger
SPHR - Senior Professional in Human Resources (HRCI SPHR) teaching
SPHR - Senior Professional in Human Resources (HRCI SPHR) test Cram
SPHR - Senior Professional in Human Resources (HRCI SPHR) test Braindumps
SPHR - Senior Professional in Human Resources (HRCI SPHR) Study Guide
SPHR - Senior Professional in Human Resources (HRCI SPHR) ACTUAL EXAM QUESTIONS
SPHR - Senior Professional in Human Resources (HRCI SPHR) PDF Questions
SPHR - Senior Professional in Human Resources (HRCI SPHR) answers
SPHR - Senior Professional in Human Resources (HRCI SPHR) book
SPHR - Senior Professional in Human Resources (HRCI SPHR) ACTUAL EXAM QUESTIONS
SPHR - Senior Professional in Human Resources (HRCI SPHR) test prep
SPHR - Senior Professional in Human Resources (HRCI SPHR) Cheatsheet
SPHR - Senior Professional in Human Resources (HRCI SPHR) questions
SPHR - Senior Professional in Human Resources (HRCI SPHR) outline
SPHR - Senior Professional in Human Resources (HRCI SPHR) Practice Questions
SPHR - Senior Professional in Human Resources (HRCI SPHR) test Braindumps
SPHR - Senior Professional in Human Resources (HRCI SPHR) study help
SPHR - Senior Professional in Human Resources (HRCI SPHR) Study Guide
SPHR - Senior Professional in Human Resources (HRCI SPHR) Practice Test
SPHR - Senior Professional in Human Resources (HRCI SPHR) teaching
SPHR - Senior Professional in Human Resources (HRCI SPHR) Practice Test
SPHR - Senior Professional in Human Resources (HRCI SPHR) Latest Questions
SPHR - Senior Professional in Human Resources (HRCI SPHR) Practice Test
SPHR - Senior Professional in Human Resources (HRCI SPHR) testing
SPHR - Senior Professional in Human Resources (HRCI SPHR) tricks
SPHR - Senior Professional in Human Resources (HRCI SPHR) information source
SPHR - Senior Professional in Human Resources (HRCI SPHR) information source
SPHR - Senior Professional in Human Resources (HRCI SPHR) Cheatsheet
SPHR - Senior Professional in Human Resources (HRCI SPHR) Test Prep
SPHR - Senior Professional in Human Resources (HRCI SPHR) real questions
SPHR - Senior Professional in Human Resources (HRCI SPHR) test prep
SPHR - Senior Professional in Human Resources (HRCI SPHR) information hunger
SPHR - Senior Professional in Human Resources (HRCI SPHR) braindumps
Other HR ACTUAL EXAM QUESTIONS
PET practice questions | GPHR cheat sheets | SPHR assessment test sample | PHR PDF Download | DSST-HRM cram |
Best ACTUAL EXAM QUESTIONS You Ever Experienced
Google-AVA braindumps | VCS-325 test Questions | 1Y0-403 question test | HDPCD real questions | 5V0-23.20 PDF Dumps | 312-50v12 free pdf | CIA-I test example | 199-01 Study Guide | CPFO Questions and Answers | CIS-RCI Latest Questions | C8 test questions | IIA-CRMA dumps questions | RDN test papers | MOFF-EN bootcamp | MAC-16A certification sample | Servicenow-CIS-RC study guide | CIA-IV cbt | HQT-4120 brain dumps | MS-720 cheat sheet | OMG-OCRES-A300 study guide |
References :
http://killexams-braindumps.blogspot.com/2020/06/guarantee-your-success-with-sphr-boot.html
https://www.instapaper.com/read/1321182399
https://killexams-posting.dropmark.com/817438/23738375
https://killexams-posting.dropmark.com/817438/23776680
https://youtu.be/Y_f6fJObZ_E
https://sites.google.com/view/killexams-sphr-study-guide
https://files.fm/f/7y33hh7w4
http://feeds.feedburner.com/SlaughterYour650-328ExamAtFirstAttempt
Similar Websites :
Pass4sure Certification ACTUAL EXAM QUESTIONS
Pass4Sure test Questions and Dumps
SPHR 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 SPHR 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