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-Consumer-Goods-Cloud?
Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der Salesforce-Consumer-Goods-Cloud: Salesforce Certified Consumer Goods Cloud Accredited Professional Prüfung.
2023 Updated Actual Salesforce-Consumer-Goods-Cloud questions as experienced in Test Center
Aktuelle Salesforce-Consumer-Goods-Cloud Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz
![]() Salesforce Salesforce-Consumer-Goods-Cloud : Salesforce Certified Consumer Goods test DumpsExam Dumps Organized by Richard |
Latest 2023 Updated Syllabus
Salesforce-Consumer-Goods-Cloud test
Dumps | Latest Braindumps with real Questions
Real Questions from Latest subjects of Salesforce-Consumer-Goods-Cloud - Updated Daily - 100% Pass Guarantee
Salesforce-Consumer-Goods-Cloud trial Questions : Download 100% Free Salesforce-Consumer-Goods-Cloud test
Dumps (PDF and VCE)
Exam Number : Salesforce-Consumer-Goods-Cloud
Exam Name : Salesforce Certified Consumer Goods Cloud Accredited Professional
Vendor Name : Salesforce
Update : Click Here to Check Latest Update
Question Bank : Check Questions
Review Salesforce-Consumer-Goods-Cloud boot camp using Exam Braindumps test simulator
Create they are positing a lot better in your Company with outstanding certification. Many of us help someone eradicate time-intense Salesforce-Consumer-Goods-Cloud textbooks simply by offering immediate information and get regarding books. Virtually no matter, precisely how active you might be, simply get Salesforce-Consumer-Goods-Cloud PDF Braindumps that includes genuine test
queries and pass means of the real PDF guide overnight. Practice Salesforce Certified Consumer Goods Cloud Accredited Professional Latest Questions along with PDF Download and you usually are ready to stone the real check.
At some instances, passing the test
does not a concern at all, nevertheless understanding the subject matter is needed. This kind of is condition within Salesforce-Consumer-Goods-Cloud exam. Many of us supply precise test concerns and responses associated with the Salesforce-Consumer-Goods-Cloud test which can help you obtain an excellent score inside the exam, the issue is just not simply completing the Salesforce-Consumer-Goods-Cloud test a while. They all offer you VCE test out simulator to Strengthen
your knowledge with regards to Salesforce-Consumer-Goods-Cloud subject matter in order that an individual is able so that you can understand the main concepts regarding Salesforce-Consumer-Goods-Cloud targets. This is very crucial. It is drastically from whatsoever of simple. All related to us have got ready Salesforce-Consumer-Goods-Cloud questions lender that will in fact provide you an excellent knowledge of issues, jointly having surety so that you can pass the test
at first test. Never within calculate the strength associated with each of their Salesforce-Consumer-Goods-Cloud VCE test sim. It can help that you great deal understand plus memorizing Salesforce-Consumer-Goods-Cloud queries along with their Practice TestPDF as well as VCE.
There are many Practice Test vendors on the internet even so a sizable component of them tend to be exchanging outmoded Salesforce-Consumer-Goods-Cloud Questions and Answers. That is required to come so that you can the trusted plus reliable Salesforce-Consumer-Goods-Cloud Free test
PDF provider about the web. It may be possible that can you analysis on the web and ultimately achieve in killexams.com. In fact , retain within thoughts, your research must not end up having waste materials of your energy plus funds. get
thoroughly free Salesforce-Consumer-Goods-Cloud Study Guide as well as assess the small trial Salesforce-Consumer-Goods-Cloud concerns. Register as well as get
the most exact
and legitimate Salesforce-Consumer-Goods-Cloud Questions and Answers containing real test out questions additionally answers. Obtain Excellent Vouchers. A person also needs to obtain Salesforce-Consumer-Goods-Cloud VCE test out sim on your instruction.
Attributes of Killexams Salesforce-Consumer-Goods-Cloud Questions and Answers
-> Instantaneous Salesforce-Consumer-Goods-Cloud Questions and Answers get
Accessibility
-> Comprehensive Salesforce-Consumer-Goods-Cloud Questions as well as Answers
-> 98% Success Pace of Salesforce-Consumer-Goods-Cloud test
-> Certain real Salesforce-Consumer-Goods-Cloud test
queries
-> Salesforce-Consumer-Goods-Cloud Concerns Updated with Regular schedule.
-> Valid as well as 2022 Up to date Salesforce-Consumer-Goods-Cloud test
Dumps
-> completely Portable Salesforce-Consumer-Goods-Cloud test
Data
-> Full included Salesforce-Consumer-Goods-Cloud VCE test
Sim
-> No Restrict on Salesforce-Consumer-Goods-Cloud test
Acquire Access
-> Wonderful Discount Coupons
-> completely Secured Acquire Account
-> completely Confidentiality Made certain
-> 100% Accomplishment ensure
-> completely Free PDF Questions trial Questions
-> No Disguised . Cost
-> Simply no Monthly Costs
-> No Programmed Account Repair
-> Salesforce-Consumer-Goods-Cloud test
Update Appel by E mail
-> Free Tech support team
test
Detail in: https://killexams.com/pass4sure/exam-detail/Salesforce-Consumer-Goods-Cloud
Charges Details in: https://killexams.com/exam-price-comparison/Salesforce-Consumer-Goods-Cloud
Observe Complete Record: https://killexams.com/vendors-exam-list
Discount Discount on Complete Salesforce-Consumer-Goods-Cloud Questions and Answers Real test
Questions;
WC2020: 60 per cent Flat Price cut on each quiz
PROF17: 10% Further Price cut on Valuation Greater than $69
DEAL17: 15% Further Price cut on Valuation Greater than 99 dollars

Salesforce-Consumer-Goods-Cloud test Format | Salesforce-Consumer-Goods-Cloud Course Contents | Salesforce-Consumer-Goods-Cloud Course Outline | Salesforce-Consumer-Goods-Cloud test Syllabus | Salesforce-Consumer-Goods-Cloud test Objectives
Killexams Review | Reputation | Testimonials | Feedback
Did you tried this great source of LaACTUAL EXAM QUESTIONS.
The killexams.com Questions Answers dump further to Salesforce-Consumer-Goods-Cloud test
Simulator is going well for the exam. I used every them and succeed within the Salesforce-Consumer-Goods-Cloud test
without any hassle. The material helped me to investigate in which I was vulnerable so that I improved my spirit and spent enough time with the precise topic. In this manner, it helped me to put together well for the exam. I want you right success for you all.
Where will I find Questions Answers to study Salesforce-Consumer-Goods-Cloud exam?
It is about the new Salesforce-Consumer-Goods-Cloud exam. I bought this Salesforce-Consumer-Goods-Cloud braindump before I heard of replace so I concept I had spent money on a few aspects I will no longer be capable of use. I contacted the killexams.com help team of experts to double test, and they told me the Salesforce-Consumer-Goods-Cloud test
was updated lately. As I tested it in comparison to the updated Salesforce-Consumer-Goods-Cloud test
objectives it truly looks up to date. several questions had been added compared to older braindumps and all areas protected. I am inspired by their performance and customer support. Searching ahead to taking my Salesforce-Consumer-Goods-Cloud test
in 2 weeks.
Just attempted as quickly as and i'm happy.
I missed multiple questions most effective for the reason that I got clean and did not recall the answer given inside the unit, however, given that I got the relaxation right, I passed and answered forty-three/50 questions. So my advice is to memorize all that I get from killexams.com Questions Answers - that is the entirety I need to pass. I passed this test
due to killexams. This% is 100% trustworthy, a massive part of the questions was the same as what I was given at the Salesforce-Consumer-Goods-Cloud exam.
What is required to study for Salesforce-Consumer-Goods-Cloud exam?
I was in a rush to pass the Salesforce-Consumer-Goods-Cloud test
because of the fact I needed to publish my Salesforce-Consumer-Goods-Cloud certificate. I should attempt to search for some on-line help regarding my Salesforce-Consumer-Goods-Cloud test
so I began searching. I found killexams.com and become so hooked that I forgot what I was doing. Ultimately it has become no longer useless seeing thatkillexams.com has been given me to pass my exam.
Is there Salesforce-Consumer-Goods-Cloud test
new sayllabus?
Want to pass the Salesforce-Consumer-Goods-Cloud exam. But. My English will be very terrible. The language is straightforward and explanations are quick. No hassle in mugging. It helped me get ready in 3 weeks and I passed with 88% marks. Not necessary to read books. Long lines and hard phrases make me sleepy. Needed a clear guide badly and eventually observed one with the killexams.com brain dumps. I got all questions and answers. Great, killexams! You made my day.
Salesforce Cloud Latest Topics
While it is hard job to pick solid certification questions/answers regarding review, reputation and validity since individuals get sham because of picking incorrec service. Killexams.com ensure to serve its customers best to its efforts as for test dumps update and validity. Most of other's post false reports with objections about us for the brain dumps bout their customers pass their exams cheerfully and effortlessly. They never bargain on their review, reputation and quality because killexams review, killexams reputation and killexams customer certainty is imperative to us. Extraordinarily they deal with false killexams.com review, killexams.com reputation, killexams.com scam reports. killexams.com trust, killexams.com validity, killexams.com report and killexams.com that are posted by genuine customers is helpful to others. If you see any false report posted by their opponents with the name killexams scam report on web, killexams.com score reports, killexams.com reviews, killexams.com protestation or something like this, simply remember there are constantly terrible individuals harming reputation of good administrations because of their advantages. Most clients that pass their exams utilizing killexams.com brain dumps, killexams PDF questions, killexams practice questions, killexams test VCE simulator. Visit their example questions and test brain dumps, their test simulator and you will realize that killexams.com is the best test dumps site.
Is Killexams.com Legit?
Absolutely yes, Killexams is 100 percent legit along with fully good. There are several characteristics that makes killexams.com legitimate and respectable. It provides up-to-date and 100 percent valid test
dumps containing real exams questions and answers. Price is suprisingly low as compared to a lot of the services on internet. The Questions Answers are modified on frequent basis with most exact
brain dumps. Killexams account setup and products delivery can be quite fast. Data file downloading is normally unlimited and extremely fast. Service is avaiable via Livechat and Message. These are the characteristics that makes killexams.com a sturdy website offering test
dumps with real exams questions.
Which is the best braindumps site of 2023?
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 2023 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
Questions Answers 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 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 subjects
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 Questions Answers will be provided in your get
Account. You can get
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.
H12-521_V1.0-ENU practice questions | Salesforce-Experience-Cloud-Consultant question test | 2V0-41.20 braindumps | 300-735 trial test | SOA-C02 test Questions | 101-01 practice test | ACT boot camp | DES-DD23 dumps | SC-900 brain dumps | H12-711 prep questions | 350-501 english test questions | AD0-E314 PDF get | PAM-DEF-SEN test questions | HPE6-A46 free pdf | C9510-052 practice test | HPE2-E75 practical test | FML-5.3.8 certification trial | RACP test Questions | CBAF-001 test test | Javascript-Developer-I real questions |
Salesforce-Consumer-Goods-Cloud - Salesforce Certified Consumer Goods Cloud Accredited Professional information search
Salesforce-Consumer-Goods-Cloud - Salesforce Certified Consumer Goods Cloud Accredited Professional real questions
Salesforce-Consumer-Goods-Cloud - Salesforce Certified Consumer Goods Cloud Accredited Professional syllabus
Salesforce-Consumer-Goods-Cloud - Salesforce Certified Consumer Goods Cloud Accredited Professional test prep
Salesforce-Consumer-Goods-Cloud - Salesforce Certified Consumer Goods Cloud Accredited Professional test
dumps
Salesforce-Consumer-Goods-Cloud - Salesforce Certified Consumer Goods Cloud Accredited Professional boot camp
Salesforce-Consumer-Goods-Cloud - Salesforce Certified Consumer Goods Cloud Accredited Professional course outline
Salesforce-Consumer-Goods-Cloud - Salesforce Certified Consumer Goods Cloud Accredited Professional test
Braindumps
Salesforce-Consumer-Goods-Cloud - Salesforce Certified Consumer Goods Cloud Accredited Professional Latest Topics
Salesforce-Consumer-Goods-Cloud - Salesforce Certified Consumer Goods Cloud Accredited Professional study tips
Salesforce-Consumer-Goods-Cloud - Salesforce Certified Consumer Goods Cloud Accredited Professional Latest Topics
Salesforce-Consumer-Goods-Cloud - Salesforce Certified Consumer Goods Cloud Accredited Professional information hunger
Salesforce-Consumer-Goods-Cloud - Salesforce Certified Consumer Goods Cloud Accredited Professional Latest Questions
Salesforce-Consumer-Goods-Cloud - Salesforce Certified Consumer Goods Cloud Accredited Professional test
success
Salesforce-Consumer-Goods-Cloud - Salesforce Certified Consumer Goods Cloud Accredited Professional PDF Braindumps
Salesforce-Consumer-Goods-Cloud - Salesforce Certified Consumer Goods Cloud Accredited Professional dumps
Salesforce-Consumer-Goods-Cloud - Salesforce Certified Consumer Goods Cloud Accredited Professional information source
Salesforce-Consumer-Goods-Cloud - Salesforce Certified Consumer Goods Cloud Accredited Professional Questions and Answers
Salesforce-Consumer-Goods-Cloud - Salesforce Certified Consumer Goods Cloud Accredited Professional PDF Dumps
Salesforce-Consumer-Goods-Cloud - Salesforce Certified Consumer Goods Cloud Accredited Professional outline
Salesforce-Consumer-Goods-Cloud - Salesforce Certified Consumer Goods Cloud Accredited Professional teaching
Salesforce-Consumer-Goods-Cloud - Salesforce Certified Consumer Goods Cloud Accredited Professional Study Guide
Salesforce-Consumer-Goods-Cloud - Salesforce Certified Consumer Goods Cloud Accredited Professional test prep
Salesforce-Consumer-Goods-Cloud - Salesforce Certified Consumer Goods Cloud Accredited Professional Question Bank
Salesforce-Consumer-Goods-Cloud - Salesforce Certified Consumer Goods Cloud Accredited Professional PDF Download
Salesforce-Consumer-Goods-Cloud - Salesforce Certified Consumer Goods Cloud Accredited Professional real questions
Salesforce-Consumer-Goods-Cloud - Salesforce Certified Consumer Goods Cloud Accredited Professional test
dumps
Salesforce-Consumer-Goods-Cloud - Salesforce Certified Consumer Goods Cloud Accredited Professional test
syllabus
Salesforce-Consumer-Goods-Cloud - Salesforce Certified Consumer Goods Cloud Accredited Professional testing
Salesforce-Consumer-Goods-Cloud - Salesforce Certified Consumer Goods Cloud Accredited Professional Dumps
Salesforce-Consumer-Goods-Cloud - Salesforce Certified Consumer Goods Cloud Accredited Professional test
success
Salesforce-Consumer-Goods-Cloud - Salesforce Certified Consumer Goods Cloud Accredited Professional information search
Salesforce-Consumer-Goods-Cloud - Salesforce Certified Consumer Goods Cloud Accredited Professional Cheatsheet
Salesforce-Consumer-Goods-Cloud - Salesforce Certified Consumer Goods Cloud Accredited Professional guide
Salesforce-Consumer-Goods-Cloud - Salesforce Certified Consumer Goods Cloud Accredited Professional real questions
Salesforce-Consumer-Goods-Cloud - Salesforce Certified Consumer Goods Cloud Accredited Professional test
contents
Salesforce-Consumer-Goods-Cloud - Salesforce Certified Consumer Goods Cloud Accredited Professional education
Salesforce-Consumer-Goods-Cloud - Salesforce Certified Consumer Goods Cloud Accredited Professional certification
Salesforce-Consumer-Goods-Cloud - Salesforce Certified Consumer Goods Cloud Accredited Professional Latest Topics
Salesforce-Consumer-Goods-Cloud - Salesforce Certified Consumer Goods Cloud Accredited Professional learning
Salesforce-Consumer-Goods-Cloud - Salesforce Certified Consumer Goods Cloud Accredited Professional test prep
Salesforce-Consumer-Goods-Cloud - Salesforce Certified Consumer Goods Cloud Accredited Professional dumps
Salesforce-Consumer-Goods-Cloud - Salesforce Certified Consumer Goods Cloud Accredited Professional exam
Salesforce-Consumer-Goods-Cloud - Salesforce Certified Consumer Goods Cloud Accredited Professional study help
Salesforce-Consumer-Goods-Cloud - Salesforce Certified Consumer Goods Cloud Accredited Professional Free PDF
Salesforce-Consumer-Goods-Cloud - Salesforce Certified Consumer Goods Cloud Accredited Professional dumps
Salesforce-Consumer-Goods-Cloud - Salesforce Certified Consumer Goods Cloud Accredited Professional outline
Salesforce-Consumer-Goods-Cloud - Salesforce Certified Consumer Goods Cloud Accredited Professional PDF Download
Salesforce-Consumer-Goods-Cloud - Salesforce Certified Consumer Goods Cloud Accredited Professional test
format
Salesforce-Consumer-Goods-Cloud - Salesforce Certified Consumer Goods Cloud Accredited Professional test
success
Salesforce-Consumer-Goods-Cloud - Salesforce Certified Consumer Goods Cloud Accredited Professional information hunger
Salesforce-Consumer-Goods-Cloud - Salesforce Certified Consumer Goods Cloud Accredited Professional PDF Download
Salesforce-Consumer-Goods-Cloud - Salesforce Certified Consumer Goods Cloud Accredited Professional real questions
Nonprofit-Cloud-Consultant test questions | Salesforce-Certified-Advanced-Administrator practice test | Salesforce-Certified-User-Experience-Designer practice questions | Pardot-Consultant get | Salesforce-nCino-201 trial test | CPQ-201 dumps | DEX-403 certification trial | Salesforce.Field-Service-Lightning-Consultant braindumps | Javascript-Developer-I boot camp | CRT-271 Latest subjects | Salesforce-Consumer-Goods-Cloud trial questions | Salesforce-Experience-Cloud-Consultant practice test | Salesforce-Certified-Marketing-Cloud-Email-Specialist dump | PDII free practice questions | Salesforce-Certified-Marketing-Cloud-Consultant test prep | Salesforce-Certified-CPQ-Specialist real questions | Service-Cloud-Consultant VCE | Salesforce-Certified-Identity-and-Access-Management-Designer test practice | DEX-450 test prep | CRT-450 real questions |
Best Certification test Dumps You Ever Experienced
Salesforce-Marketing-Cloud-Developer dumps | Salesforce-Certified-User-Experience-Designer practice test | DEV-401 real questions | Industries-CPQ-Developer trial test | DEV-501 PDF Braindumps | ADX-271 pass test | DEX-403 practice test | Service-Cloud-Consultant trial questions | Salesforce-Certified-Marketing-Cloud-Email-Specialist test prep | Salesforce-Certified-Sales-Cloud-Consultant test prep | Salesforce-Certified-Advanced-Administrator cheat sheet pdf | PDII free online test | PDI dump | Salesforce-OmniStudio-Developer free pdf get | Salesforce-nCino-201 english test questions | Salesforce-Experience-Cloud-Consultant certification trial | Salesforce-Certified-B2C-Commerce-Developer Free PDF | Certified-Development-Lifecycle-and-Deployment-Designer test Braindumps | DEX-450 questions answers | Salesforce-Certified-CPQ-Specialist study guide |
References :
Similar Websites :
Pass4sure Certification test
dumps
Pass4Sure test
Questions and Dumps
Salesforce-Consumer-Goods-Cloud 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 Salesforce-Consumer-Goods-Cloud 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