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 Salesforce-Certified-Education-Cloud-Consultant?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der Salesforce-Certified-Education-Cloud-Consultant: Salesforce Certified Education Cloud Consultant Prüfung.

2023 Updated Actual Salesforce-Certified-Education-Cloud-Consultant questions as experienced in Test Center

Aktuelle Salesforce-Certified-Education-Cloud-Consultant Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz

Salesforce Certified Education Cloud Consultant real questions with Latest Salesforce-Certified-Education-Cloud-Consultant practice exams | https://www.easyfinanz.cc/

Salesforce Salesforce-Certified-Education-Cloud-Consultant : Salesforce Certified Education Cloud test Dumps

Exam Dumps Organized by Shahid nazir



Latest 2023 Updated Syllabus
Salesforce-Certified-Education-Cloud-Consultant test Dumps | Latest Braindumps with real Questions

Real Questions from Latest courses of Salesforce-Certified-Education-Cloud-Consultant - Updated Daily - 100% Pass Guarantee



Salesforce-Certified-Education-Cloud-Consultant trial Questions : Download 100% Free Salesforce-Certified-Education-Cloud-Consultant test Dumps (PDF and VCE)

Exam Number : Salesforce-Certified-Education-Cloud-Consultant
Exam Name : Salesforce Certified Education Cloud Consultant
Vendor Name : Salesforce
Update : Click Here to Check Latest Update
Question Bank : Check Questions

Merely obtain Salesforce-Certified-Education-Cloud-Consultant PDF Download as well as Practice real questions
In case you are needy and also interested by efficiently Passing the Salesforce Salesforce-Certified-Education-Cloud-Consultant test to boost your own carrier, Really killexams.com has particular Salesforce Certified Education Cloud Consultant test questions having a purpose to ensure you pass Salesforce-Certified-Education-Cloud-Consultant exam! killexams.com offers you the legitimate, latest updated Salesforce-Certified-Education-Cloud-Consultant real questions with a fully money back guarantee.

If completing Salesforce-Certified-Education-Cloud-Consultant test really issue to you, you ought to just obtain Salesforce-Certified-Education-Cloud-Consultant PDF Braindumps from killexams.com. It is going to save you coming from lot of problem that you will deal with with cost-free Exam Braindumps located on internet. It creates your notion about Salesforce-Certified-Education-Cloud-Consultant objectives apparent and make an individual confident to manage the real Salesforce-Certified-Education-Cloud-Consultant exam. You will find that some questions that genuine pretty simple usually are tricky. Salesforce certified cope with such questions nicely that will looks a breeze but in fact there are whole lot complication inside question. Most of us help you realize those questions with the help of all of their Salesforce-Certified-Education-Cloud-Consultant train test. Their own VCE test simulator will help you memorize in addition to understand wide range of such inquiries. When you will probably answer people Salesforce-Certified-Education-Cloud-Consultant Study Guide again and again, your own concepts is going to be cleared and you will then not mystify when deal with real inquiries. This is how they all serve you move your test at first test by in fact boosting Excellerate knowledge about Salesforce-Certified-Education-Cloud-Consultant courses in addition to latest Salesforce-Certified-Education-Cloud-Consultant syllabus.

With killexams.com, they source Latest Salesforce Certified Education Cloud Consultant syllabus, genuine and up thus far Salesforce Salesforce-Certified-Education-Cloud-Consultant Study Guide that happen to be the most effective to secure Salesforce Certified Education Cloud Consultant exam. It is a far better to boost up your situation as a specialist within your business. They have all of their reputation to help their clients pass typically the Salesforce-Certified-Education-Cloud-Consultant test in their initially attempt. Functionality of their Study Guide remains on top inside last two many years. Thanks to all of their Salesforce-Certified-Education-Cloud-Consultant Study Guide customers that will trust all of their braindumps in addition to VCE with regard to their real Salesforce-Certified-Education-Cloud-Consultant exam. killexams.com is the greatest in Salesforce-Certified-Education-Cloud-Consultant real test questions. Most of us keep all of their Salesforce-Certified-Education-Cloud-Consultant Study Guide valid or maybe more to date continuously. These Salesforce Certified Education Cloud Consultant test places will absolute to help you to move the test with high rating.

It is very difficult task to decide on good Study Guide providers coming from hundreds of negative dumps workers. If your lookup lead you to negative Study Guide supplier, your next qualification will become ideal and unattainable. Failing with Salesforce-Certified-Education-Cloud-Consultant test is not just a large bad experiencing also waste materials of your work-time money and energy. Just an individual relied in invalid in addition to outdated supplier. They are certainly not saying that many Salesforce-Certified-Education-Cloud-Consultant Exam Cram provider is really a dummy. There are a few quality Salesforce-Certified-Education-Cloud-Consultant real test questions supplier that have their very own resources to have most up to date and appropriate Salesforce-Certified-Education-Cloud-Consultant Study Guide. killexams.com are at top ones. They have group working to records 100% appropriate, up to date in addition to reliable Salesforce-Certified-Education-Cloud-Consultant Exam Cram basically in true test drastically. obtain completely free Exam Braindumps of Salesforce-Certified-Education-Cloud-Consultant test in addition to review. If you think that you are fulfilled, register for Salesforce-Certified-Education-Cloud-Consultant Exam Cram EBOOK with VCE practice ensure that you become successful prospect. You will absolutely send us all your critiques about Salesforce-Certified-Education-Cloud-Consultant test expertise later right after passing true Salesforce-Certified-Education-Cloud-Consultant exam.

Features of Killexams Salesforce-Certified-Education-Cloud-Consultant Study Guide
-> Salesforce-Certified-Education-Cloud-Consultant Study Guide obtain Gain access to in just five min.
-> Comprehensive Salesforce-Certified-Education-Cloud-Consultant Concerns Bank
-> Salesforce-Certified-Education-Cloud-Consultant test Achievements ensure
-> Confirmed real Salesforce-Certified-Education-Cloud-Consultant test questions
-> Latest in addition to 2022 up to date Salesforce-Certified-Education-Cloud-Consultant Concerns and Advice
-> Latest 2022 Salesforce-Certified-Education-Cloud-Consultant Syllabus
-> obtain Salesforce-Certified-Education-Cloud-Consultant test Data files anywhere
-> Endless Salesforce-Certified-Education-Cloud-Consultant VCE test Sim Access
-> Zero Limit in Salesforce-Certified-Education-Cloud-Consultant Assessment obtain
-> Wonderful Discount Coupons
-> completely Secure Obtain
-> 100% Secret.
-> 100% Cost-free Exam dumps structure Questions
-> Zero Hidden Charge
-> No Once a month Subscription
-> Zero Auto Rebirth
-> Salesforce-Certified-Education-Cloud-Consultant Assessment Update Appel by Email address
-> Free Tech support team

Assessment Detail on: https://killexams.com/pass4sure/exam-detail/Salesforce-Certified-Education-Cloud-Consultant
Costs Details on: https://killexams.com/exam-price-comparison/Salesforce-Certified-Education-Cloud-Consultant
Observe Complete Checklist: https://killexams.com/vendors-exam-list

Discount Discount on Total Salesforce-Certified-Education-Cloud-Consultant Exam Cram questions;
WC2020: 60% Level Discount to each of your test
PROF17: 10% Additional Discount in Value More than $69
DEAL17: 15% Additional Discount in Value More than $99







Salesforce-Certified-Education-Cloud-Consultant test Format | Salesforce-Certified-Education-Cloud-Consultant Course Contents | Salesforce-Certified-Education-Cloud-Consultant Course Outline | Salesforce-Certified-Education-Cloud-Consultant test Syllabus | Salesforce-Certified-Education-Cloud-Consultant test Objectives




Killexams Review | Reputation | Testimonials | Feedback


What number of questions are requested in Salesforce-Certified-Education-Cloud-Consultant exam?
killexams.com you are the most remarkable mentor ever, the way you teach or guide is unmatchable with some other carrier. I got notable help from you in my try to attempt Salesforce-Certified-Education-Cloud-Consultant. I was not high quality about my achievement however you made it in fine 2 weeks that is wonderful. I am very thankful to you for presenting such rich help that these days I have been capable of score outstanding grades in Salesforce-Certified-Education-Cloud-Consultant exam. If I am a hit in my test it is because of you.


It is brilliant great to read Salesforce-Certified-Education-Cloud-Consultant test with real test questions.
This is Truly the achievement of killexams, no longer mine. Very person-friendly Salesforce-Certified-Education-Cloud-Consultant test simulator and real Salesforce-Certified-Education-Cloud-Consultant questions and answers.


How much Salesforce-Certified-Education-Cloud-Consultant test fee?
It has become a superb enjoy with the killexams.com team. they guided me much for development. I admire their effort.


It is splendid to have Salesforce-Certified-Education-Cloud-Consultant real test questions.
killexams.com is the high-quality and valid I have ever encountered to prepare and pass IT exams. The factor is, it offers you appropriately and exactly what you want to realize for Salesforce-Certified-Education-Cloud-Consultant exam. My pals used killexams.com for Cisco, Oracle, Microsoft, ISC, and different certifications, all exact and valid. Dependable. Salesforce-Certified-Education-Cloud-Consultant dumps are a replica of real questions.


Did you tried this excellent source of Salesforce-Certified-Education-Cloud-Consultant brain dumps.
killexams.com dumps are sufficient to prepare and pass Salesforce-Certified-Education-Cloud-Consultant certification exam. All the products that I had used for Salesforce-Certified-Education-Cloud-Consultant test coaching had been of great quality so that they assisted me to pass the Salesforce-Certified-Education-Cloud-Consultant test shortly. I Thank you killexams.


Salesforce Cloud test Questions

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 test dumps 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.

Is Killexams.com Legit?
Indeed, Killexams is totally legit along with fully reputable. There are several includes that makes killexams.com genuine and genuine. It provides up to par and totally valid test dumps formulated with real exams questions and answers. Price is suprisingly low as compared to a lot of the services on internet. The Dumps are current on common basis with most exact brain dumps. Killexams account method and product or service delivery is extremely fast. Record downloading is usually unlimited and very fast. Help is avaiable via Livechat and Contact. These are the characteristics that makes killexams.com a strong website that include test dumps with real exams questions.



Which is the best braindumps site of 2023?
There are several Dumps 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 2023 that understands the issue candidates face when they spend their time studying obsolete contents taken from free pdf obtain sites or reseller sites. Thats why killexams.com update test Dumps with the same frequency as they are updated in Real Test. test dumps provided by killexams.com are Reliable, Up-to-date and validated by Certified Professionals. They maintain examcollection 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 courses of new syllabus, They recommend to obtain 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 Dumps will be provided in your obtain Account. You can obtain Premium test Dumps 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 Test Center and Enjoy your Success.




PAM-DEF-SEN Practice Questions | AI-900 question test | MB-210 test results | CHAD Dumps | SC-900 test prep | PEGAPCBA86V1 test papers | ABCTE cram | SAFe-Practitioner test Braindumps | 350-401 practice questions | DES-DD33 test dumps | ICBRR test questions | ACE-A1.2 Test Prep | JN0-212 pass marks | 8006 english test questions | Salesforce-Certified-Marketing-Cloud-Email-Specialist past exams | SOFE-AFE test test | AZ-800 practice questions | FSLCC test preparation | 5V0-62.19 test Questions | CLSSMBB PDF Questions |


Salesforce-Certified-Education-Cloud-Consultant - Salesforce Certified Education Cloud Consultant PDF Download
Salesforce-Certified-Education-Cloud-Consultant - Salesforce Certified Education Cloud Consultant outline
Salesforce-Certified-Education-Cloud-Consultant - Salesforce Certified Education Cloud Consultant study tips
Salesforce-Certified-Education-Cloud-Consultant - Salesforce Certified Education Cloud Consultant Latest Questions
Salesforce-Certified-Education-Cloud-Consultant - Salesforce Certified Education Cloud Consultant study help
Salesforce-Certified-Education-Cloud-Consultant - Salesforce Certified Education Cloud Consultant test Questions
Salesforce-Certified-Education-Cloud-Consultant - Salesforce Certified Education Cloud Consultant study tips
Salesforce-Certified-Education-Cloud-Consultant - Salesforce Certified Education Cloud Consultant Test Prep
Salesforce-Certified-Education-Cloud-Consultant - Salesforce Certified Education Cloud Consultant answers
Salesforce-Certified-Education-Cloud-Consultant - Salesforce Certified Education Cloud Consultant outline
Salesforce-Certified-Education-Cloud-Consultant - Salesforce Certified Education Cloud Consultant Practice Test
Salesforce-Certified-Education-Cloud-Consultant - Salesforce Certified Education Cloud Consultant syllabus
Salesforce-Certified-Education-Cloud-Consultant - Salesforce Certified Education Cloud Consultant testing
Salesforce-Certified-Education-Cloud-Consultant - Salesforce Certified Education Cloud Consultant testing
Salesforce-Certified-Education-Cloud-Consultant - Salesforce Certified Education Cloud Consultant information hunger
Salesforce-Certified-Education-Cloud-Consultant - Salesforce Certified Education Cloud Consultant information hunger
Salesforce-Certified-Education-Cloud-Consultant - Salesforce Certified Education Cloud Consultant Practice Questions
Salesforce-Certified-Education-Cloud-Consultant - Salesforce Certified Education Cloud Consultant education
Salesforce-Certified-Education-Cloud-Consultant - Salesforce Certified Education Cloud Consultant Practice Questions
Salesforce-Certified-Education-Cloud-Consultant - Salesforce Certified Education Cloud Consultant test syllabus
Salesforce-Certified-Education-Cloud-Consultant - Salesforce Certified Education Cloud Consultant questions
Salesforce-Certified-Education-Cloud-Consultant - Salesforce Certified Education Cloud Consultant cheat sheet
Salesforce-Certified-Education-Cloud-Consultant - Salesforce Certified Education Cloud Consultant dumps
Salesforce-Certified-Education-Cloud-Consultant - Salesforce Certified Education Cloud Consultant test
Salesforce-Certified-Education-Cloud-Consultant - Salesforce Certified Education Cloud Consultant test Questions
Salesforce-Certified-Education-Cloud-Consultant - Salesforce Certified Education Cloud Consultant book
Salesforce-Certified-Education-Cloud-Consultant - Salesforce Certified Education Cloud Consultant certification
Salesforce-Certified-Education-Cloud-Consultant - Salesforce Certified Education Cloud Consultant techniques
Salesforce-Certified-Education-Cloud-Consultant - Salesforce Certified Education Cloud Consultant information search
Salesforce-Certified-Education-Cloud-Consultant - Salesforce Certified Education Cloud Consultant Question Bank
Salesforce-Certified-Education-Cloud-Consultant - Salesforce Certified Education Cloud Consultant test success
Salesforce-Certified-Education-Cloud-Consultant - Salesforce Certified Education Cloud Consultant braindumps
Salesforce-Certified-Education-Cloud-Consultant - Salesforce Certified Education Cloud Consultant test prep
Salesforce-Certified-Education-Cloud-Consultant - Salesforce Certified Education Cloud Consultant boot camp
Salesforce-Certified-Education-Cloud-Consultant - Salesforce Certified Education Cloud Consultant learning
Salesforce-Certified-Education-Cloud-Consultant - Salesforce Certified Education Cloud Consultant test prep
Salesforce-Certified-Education-Cloud-Consultant - Salesforce Certified Education Cloud Consultant test prep
Salesforce-Certified-Education-Cloud-Consultant - Salesforce Certified Education Cloud Consultant syllabus
Salesforce-Certified-Education-Cloud-Consultant - Salesforce Certified Education Cloud Consultant PDF Download
Salesforce-Certified-Education-Cloud-Consultant - Salesforce Certified Education Cloud Consultant Latest Questions
Salesforce-Certified-Education-Cloud-Consultant - Salesforce Certified Education Cloud Consultant test Questions
Salesforce-Certified-Education-Cloud-Consultant - Salesforce Certified Education Cloud Consultant Free test PDF
Salesforce-Certified-Education-Cloud-Consultant - Salesforce Certified Education Cloud Consultant Practice Questions
Salesforce-Certified-Education-Cloud-Consultant - Salesforce Certified Education Cloud Consultant book
Salesforce-Certified-Education-Cloud-Consultant - Salesforce Certified Education Cloud Consultant answers
Salesforce-Certified-Education-Cloud-Consultant - Salesforce Certified Education Cloud Consultant real questions
Salesforce-Certified-Education-Cloud-Consultant - Salesforce Certified Education Cloud Consultant study help
Salesforce-Certified-Education-Cloud-Consultant - Salesforce Certified Education Cloud Consultant test dumps
Salesforce-Certified-Education-Cloud-Consultant - Salesforce Certified Education Cloud Consultant PDF Download
Salesforce-Certified-Education-Cloud-Consultant - Salesforce Certified Education Cloud Consultant syllabus
Salesforce-Certified-Education-Cloud-Consultant - Salesforce Certified Education Cloud Consultant information hunger
Salesforce-Certified-Education-Cloud-Consultant - Salesforce Certified Education Cloud Consultant test Questions
Salesforce-Certified-Education-Cloud-Consultant - Salesforce Certified Education Cloud Consultant test format


Salesforce-Certified-Marketing-Cloud-Consultant test dumps | Service-Cloud-Consultant test papers | DEX-403 study guide | Integration-Architecture-Designer Dumps | CPQ-211 Dumps | Salesforce-Certified-User-Experience-Designer free test papers | Salesforce-OmniStudio-Developer test Braindumps | Marketing-Cloud-Consultant practice questions | Salesforce-Marketing-Cloud-Developer Test Prep | Salesforce-Experience-Cloud-Consultant practice test | Javascript-Developer-I study guide | CRT-450 trial questions | Salesforce-Certified-B2C-Commerce-Developer practice questions | Pardot-Consultant Study Guide | Nonprofit-Cloud-Consultant PDF obtain | Salesforce.Field-Service-Lightning-Consultant Dumps | DEX-450 trial test questions | Salesforce-Certified-Business-Analyst practice test | Salesforce-Certified-Marketing-Cloud-Email-Specialist test prep | PDI cheat sheet pdf |


Best Certification test Dumps You Ever Experienced


PDX-101 mock questions | Salesforce-Certified-B2C-Commerce-Developer study guide | Salesforce-OmniStudio-Developer practice test | PDI PDF obtain | Salesforce-Certified-Identity-and-Access-Management-Designer test dumps | Salesforce-Certified-User-Experience-Designer free prep | Salesforce-Certified-CPQ-Specialist Latest Questions | DEX-403 test tips | CRT-271 practice questions | ADM211 Real test Questions | PDII Free test PDF | ADM-211 Study Guide | DEX-450 Dumps | Salesforce-Certified-Sales-Cloud-Consultant free pdf | ADX-271 question test | Salesforce-Certified-Community-Cloud-Consultant cheat sheet pdf | ADM-201 training material | Salesforce-Marketing-Cloud-Developer practice test | CPQ-201 real questions | Certified-Data-Architecture-and-Management-Designer Dumps |





References :





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






Direct Download

Salesforce-Certified-Education-Cloud-Consultant 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.

Salesforce-Certified-Education-Cloud-Consultant Reviews

100% Valid and Up to Date Salesforce-Certified-Education-Cloud-Consultant 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