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-Financial-Services-Cloud?
Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der Salesforce-Financial-Services-Cloud: Salesforce Financial Services Cloud (FSC) Prüfung.
2025 Updated Actual Salesforce-Financial-Services-Cloud questions as experienced in Test Center
Aktuelle Salesforce-Financial-Services-Cloud Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz
Salesforce Salesforce-Financial-Services-Cloud : Salesforce Financial Services Cloud (FSC) Practice TestsPractice Tests Organized by Lee |
Latest 2024 Updated Salesforce Salesforce Financial Services Cloud (FSC) Syllabus
Salesforce-Financial-Services-Cloud 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
Salesforce-Financial-Services-Cloud question bank : Download 100% Free Salesforce-Financial-Services-Cloud practice questions (PDF and VCE)
Exam Number : Salesforce-Financial-Services-Cloud
Exam Name : Salesforce Financial Services Cloud (FSC)
Vendor Name : Salesforce
Update : Click Here to Check Latest Update
Question Bank : Check Questions
Taken and up to date today Salesforce-Financial-Services-Cloud Latest Topics
If you are feeling stressed about how to pass your Salesforce Salesforce-Financial-Services-Cloud Exam, their killexams.com Salesforce Salesforce-Financial-Services-Cloud Question Bank questions and test system can help you use your knowledge and creativity to succeed. Most certified recognize the importance of IT certification, and their straightforward Practice Test will make your preparation easy. Their Salesforce Salesforce-Financial-Services-Cloud Exam Questions are designed to make your knowledge and creativity significant and guide you toward the certification test.
Preparing for the Salesforce Salesforce-Financial-Services-Cloud exam is not an easy task with just relying on traditional textbooks or free online resources. The real Salesforce-Financial-Services-Cloud exam contains many challenging questions that can confuse and cause failure. killexams.com has addressed this issue by providing authentic Salesforce-Financial-Services-Cloud exam questions in the form of PDFs and VCE test simulator. You can start by downloading the 100% free Salesforce-Financial-Services-Cloud exam questions to evaluate the quality of the Salesforce-Financial-Services-Cloud exam material before registering for the full version.
Although there are many Salesforce-Financial-Services-Cloud exam material providers available online, most of them offer outdated and invalid Salesforce-Financial-Services-Cloud exam questions. It is essential to search for a legitimate and up-to-date Salesforce-Financial-Services-Cloud exam material provider on the internet. Instead of wasting your time on studying invalid content, they recommend trusting killexams.com. You can visit killexams.com and download free sample Salesforce-Financial-Services-Cloud exam questions to experience the quality of the exam material. Then, register and get a three-month account to download the latest and authentic Salesforce-Financial-Services-Cloud exam material, including genuine Salesforce-Financial-Services-Cloud exam questions and answers. You should also download the Salesforce-Financial-Services-Cloud VCE test simulator to practice and prepare for the exam.
Salesforce-Financial-Services-Cloud exam Format | Salesforce-Financial-Services-Cloud Course Contents | Salesforce-Financial-Services-Cloud Course Outline | Salesforce-Financial-Services-Cloud exam Syllabus | Salesforce-Financial-Services-Cloud exam Objectives
Killexams Review | Reputation | Testimonials | Feedback
I just tried the Salesforce-Financial-Services-Cloud question bank once, and I am convinced.
Enrolling with killexams.com was a great opportunity for me to pass the Salesforce-Financial-Services-Cloud exam. It gave me the chance to tackle the difficult questions of the Salesforce-Financial-Services-Cloud exam, which I would have found challenging otherwise. After failing the exam, I was shattered, but killexams.com made my way easy.
Don't forget to try these real exam questions for the Salesforce-Financial-Services-Cloud exam.
I would like to extend my gratitude to all team members of killexams.com for presenting such a tremendous platform. With the help of their web questions and cases, I easily passed my Salesforce-Financial-Services-Cloud certification with 81% marks. Understanding the sort and patterns of questions, and the reasons provided for answers, made my principles crystal smooth. Thank you for all the guidance and maintenance. Killexams.com is a quality resource.
These Salesforce-Financial-Services-Cloud Dumps provide good exam knowledge.
Thanks to killexams.com, I was able to understand the difficult themes, such as shipping competence, and answer the questions effectively, scoring 90% marks. Their study material was comprehensive and precisely structured, allowing me to plan my preparation while managing my busy schedule. Booking and purchasing the killexams.com Dumps and exam simulator was convenient and easy, and I received it within a week.
Real exam questions for the latest Salesforce-Financial-Services-Cloud exam are available now.
I am proud to say that I passed my Salesforce-Financial-Services-Cloud exam within just 20 days of preparation, all thanks to killexams.com brain dump exam guide. The practice questions completely changed my life as I am now employed in a respectable corporation with an incredible income. Tough subjects were made easy, and I was provided with great references that were beneficial for the test motive.
I want the latest genuine test questions for the Salesforce-Financial-Services-Cloud exam.
As someone in the IT field, passing the vital Salesforce-Financial-Services-Cloud exam was crucial for me. However, time constraints made it challenging to prepare adequately. The easy-to-memorize answers provided by killexams.com made the preparation process simpler. The killexams.com study guide proved to be a complete reference guide, and I was surprised by the result. I had only two weeks left before the exam, but I managed to complete all the questions well within the stipulated time.
Salesforce (FSC) testprep
Salesforce-Financial-Services-Cloud Exam
User: Matias***** Before I even enrolled in the killexams.com software, I had given the salesforce-financial-services-cloud practice questions my best shot. However, even after spending enough time studying, I still felt unsatisfied and did not know what was missing. It was not until I joined killexams.com that I realized what I lacked - salesforce-financial-services-cloud practice books. They put everything in the right direction, making preparation for salesforce-financial-services-cloud with salesforce-financial-services-cloud time questions truly convincing. The different training books that I had previously used were helpful, but they were not successful in passing the salesforce-financial-services-cloud questions as they did not cover the complete syllabus. The killexams.com designed books are exquisite and helped me score 96% in salesforce-financial-services-cloud certification. |
User: Vladimir***** Preparing for the salesforce-financial-services-cloud exam can be a daunting process, and without proper guidance, there is a high probability of failure. However, with the great salesforce-financial-services-cloud study guide, individuals are provided with comprehensive information that not only complements their education but also offers a high chance of success. Thanks to this remarkable software, I was able to score 92 out of 100 on the exam, and I am confident it will not let anyone down. |
User: Tomás***** I received a 79% score on the salesforce-financial-services-cloud Exam, thanks to the practice questions provided by Killexams.com. It was very beneficial, and I am grateful to this website for its invaluable assistance. |
User: Wadim***** There were many approaches for me to reach my goal of a high score within the salesforce-financial-services-cloud, but I was not having great success in that area. So, I took the excellent decision of using the online salesforce-financial-services-cloud practice help of the Killexams.com website, and I found that this decision was a sweet one to be remembered for a long time. The reason for my high score in the salesforce-financial-services-cloud exam was the Killexams.com practice exam, which was available online. |
User: Aleksandra***** I am grateful to have come across killexams.com and their salesforce-financial-services-cloud practice tests, which I used to pass my exam. I want to express my appreciation and thanks for the motivation and inspiration they provided me. The questions and answers, along with the exam simulator, were supportive and detailed. I highly recommend this site to anyone preparing for certification exams. |
Salesforce-Financial-Services-Cloud Exam
Question: Do you recommend me to use this amazing source laACTUAL EXAM QUESTIONS? Answer: Killexams highly recommend these Salesforce-Financial-Services-Cloud questions to memorize before you go for the genuine exam because this Salesforce-Financial-Services-Cloud question bank contains an up-to-date and 100% valid Salesforce-Financial-Services-Cloud question bank with a new syllabus. |
Question: How many genuine questions in Salesforce-Financial-Services-Cloud exam? Answer: Killexams.com provides complete information about Salesforce-Financial-Services-Cloud exam outline, Salesforce-Financial-Services-Cloud exam syllabus, and course contents. All the information about several questions in the genuine Salesforce-Financial-Services-Cloud exam is provided on the exam page at the killexams website. You can also see Salesforce-Financial-Services-Cloud subjects information from the website. |
Question: Can I share my killexams account information with my friends? Answer: We do not recommend sharing the account information and files. You should have the private account that you use for your certification exam preparation. That account is used for your communication with support and guidance. Your friends should get their private login. Also, killexams.com automatic duplication login detection disables the account. |
Question: What is exam code or exam number? Answer: Exam Code or exam Number is the exam identification that is recognized by test centers like Prometric, Pearson, or many others. For example, SAA-C01 is the exam center code for the Amazon AWS Certified Solutions Architect exam. You can search for your required exam from the killexams.com website with exam code or exam name. If you do not find your required exam, write the shortest query like Amazon to see all exams from Amazon or IBM to see all exams from IBM in the search box. |
Question: Are these Salesforce-Financial-Services-Cloud dumps sufficient to pass the exam? Answer: These Salesforce-Financial-Services-Cloud exam questions are taken from genuine exam sources, that's why these Salesforce-Financial-Services-Cloud exam 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 Salesforce-Financial-Services-Cloud questions are sufficient to pass the exam. |
https://www.pass4surez.com/art/read.php?keyword=Salesforce+%28FSC%29+testprep&lang=us&links=remove
Whilst it is very hard task to choose reliable exam Dumps resources regarding review, reputation and validity because people get ripoff due to choosing incorrect service. Killexams make it sure to provide its clients far better to their resources with respect to exam dumps update and validity. Most of other peoples ripoff report complaint clients come to us for the brain dumps and pass their exams enjoyably and easily. They never compromise on their review, reputation and quality because killexams review, killexams reputation and killexams client self confidence is important to all of us. Specially they manage killexams.com review, killexams.com reputation, killexams.com ripoff report complaint, killexams.com trust, killexams.com validity, killexams.com report and killexams scam. If perhaps you see any bogus report posted by their competitor with the name killexams ripoff report complaint internet, killexams.com ripoff report, killexams.com 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 a large number of satisfied customers that pass their exams using killexams.com brain dumps, killexams PDF questions, killexams practice questions, killexams exam simulator. Visit their test questions and sample brain dumps, their exam simulator and you will definitely know that killexams.com is the best brain dumps site.
Which is the best practice questions website?
Without a doubt, Killexams is practically legit and also fully trusted. There are several includes that makes killexams.com legitimate and legitimate. It provides up to par and practically valid exam questions comprising real exams questions and answers. Price is surprisingly low as compared to the majority of the services online. The Dumps are kept up to date on typical basis having most recent questions. Killexams account setup and supplement delivery can be quite fast. Record downloading is actually unlimited and really fast. Assist is avaiable via Livechat and Message. These are the features that makes killexams.com a robust website that come with exam prep with real exams questions.
Is killexams.com test material dependable?
There are several Dumps provider in the market claiming that they provide genuine exam Questions, Braindumps, Practice Tests, Study Guides, cheat sheet and many other names, but most of them are re-sellers that do not update their contents frequently. Killexams.com is best website of Year 2024 that understands the issue candidates face when they spend their time studying obsolete contents taken from free pdf download sites or reseller sites. Thats why killexams.com update exam Dumps with the same frequency as they are updated in Real Test. exam 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 exam Fast with improvement in your knowledge about latest course contents and subjects of new syllabus, They recommend to download PDF exam Questions from killexams.com and get ready for genuine 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 download Account. You can download Premium practice questions files as many times as you want, There is no limit.
Killexams.com has provided VCE practice questions Software to Practice your exam by Taking Test Frequently. It asks the Real exam 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 genuine Test. Go register for Test in Test Center and Enjoy your Success.
NCCHC-CCHP Real exam Questions | ACA-CCN Study Guide | 630-005 boot camp | OMG-OCRES-A300 pdf questions | ADM-211 VCE | CPIM-MPR practice exam | CIMAPRA19-E02-1-ENG practice questions | AZ-801 test prep questions | 4H0-004 test sample | GRE-Verbal question test | H13-611 free pdf | H13-711_V3.0-ENU Practice Questions | P11-101 exam results | DEA-41T1 study guide | 050-CSEDLPS practice exam | NSE5_FSM-6.3 mock questions | CWNA-108 Dumps | DES-1423 model question | 3X0-103 prep questions | 156-560 pass marks |
Salesforce-Financial-Services-Cloud - Salesforce Financial Services Cloud (FSC) learning
Salesforce-Financial-Services-Cloud - Salesforce Financial Services Cloud (FSC) test
Salesforce-Financial-Services-Cloud - Salesforce Financial Services Cloud (FSC) PDF Download
Salesforce-Financial-Services-Cloud - Salesforce Financial Services Cloud (FSC) cheat sheet
Salesforce-Financial-Services-Cloud - Salesforce Financial Services Cloud (FSC) Practice Test
Salesforce-Financial-Services-Cloud - Salesforce Financial Services Cloud (FSC) study help
Salesforce-Financial-Services-Cloud - Salesforce Financial Services Cloud (FSC) study help
Salesforce-Financial-Services-Cloud - Salesforce Financial Services Cloud (FSC) learn
Salesforce-Financial-Services-Cloud - Salesforce Financial Services Cloud (FSC) answers
Salesforce-Financial-Services-Cloud - Salesforce Financial Services Cloud (FSC) genuine Questions
Salesforce-Financial-Services-Cloud - Salesforce Financial Services Cloud (FSC) testing
Salesforce-Financial-Services-Cloud - Salesforce Financial Services Cloud (FSC) certification
Salesforce-Financial-Services-Cloud - Salesforce Financial Services Cloud (FSC) exam success
Salesforce-Financial-Services-Cloud - Salesforce Financial Services Cloud (FSC) exam
Salesforce-Financial-Services-Cloud - Salesforce Financial Services Cloud (FSC) cheat sheet
Salesforce-Financial-Services-Cloud - Salesforce Financial Services Cloud (FSC) premium pdf
Salesforce-Financial-Services-Cloud - Salesforce Financial Services Cloud (FSC) study help
Salesforce-Financial-Services-Cloud - Salesforce Financial Services Cloud (FSC) test prep
Salesforce-Financial-Services-Cloud - Salesforce Financial Services Cloud (FSC) certification
Salesforce-Financial-Services-Cloud - Salesforce Financial Services Cloud (FSC) exam questions
Salesforce-Financial-Services-Cloud - Salesforce Financial Services Cloud (FSC) test prep
Salesforce-Financial-Services-Cloud - Salesforce Financial Services Cloud (FSC) test
Salesforce-Financial-Services-Cloud - Salesforce Financial Services Cloud (FSC) PDF Download
Salesforce-Financial-Services-Cloud - Salesforce Financial Services Cloud (FSC) test
Salesforce-Financial-Services-Cloud - Salesforce Financial Services Cloud (FSC) Premium PDF
Salesforce-Financial-Services-Cloud - Salesforce Financial Services Cloud (FSC) learning
Salesforce-Financial-Services-Cloud - Salesforce Financial Services Cloud (FSC) Free exam PDF
Salesforce-Financial-Services-Cloud - Salesforce Financial Services Cloud (FSC) certification
Salesforce-Financial-Services-Cloud - Salesforce Financial Services Cloud (FSC) learning
Salesforce-Financial-Services-Cloud - Salesforce Financial Services Cloud (FSC) information search
Salesforce-Financial-Services-Cloud - Salesforce Financial Services Cloud (FSC) education
Salesforce-Financial-Services-Cloud - Salesforce Financial Services Cloud (FSC) PDF Download
Salesforce-Financial-Services-Cloud - Salesforce Financial Services Cloud (FSC) test
Salesforce-Financial-Services-Cloud - Salesforce Financial Services Cloud (FSC) cheat sheet
Salesforce-Financial-Services-Cloud - Salesforce Financial Services Cloud (FSC) Practice Questions
Salesforce-Financial-Services-Cloud - Salesforce Financial Services Cloud (FSC) PDF download
Salesforce-Financial-Services-Cloud - Salesforce Financial Services Cloud (FSC) PDF Download
Salesforce-Financial-Services-Cloud - Salesforce Financial Services Cloud (FSC) study help
Salesforce-Financial-Services-Cloud - Salesforce Financial Services Cloud (FSC) exam
Salesforce-Financial-Services-Cloud - Salesforce Financial Services Cloud (FSC) education
Salesforce-Financial-Services-Cloud - Salesforce Financial Services Cloud (FSC) book
Salesforce-Financial-Services-Cloud - Salesforce Financial Services Cloud (FSC) teaching
Salesforce-Financial-Services-Cloud - Salesforce Financial Services Cloud (FSC) Latest Topics
Salesforce-Financial-Services-Cloud - Salesforce Financial Services Cloud (FSC) techniques
Other Salesforce Practice Tests
Salesforce-Certified-CPQ-Specialist practice test | Salesforce-Maps-Accredited-Professional exam prep | Salesforce-B2B-Solution-Architect Questions and Answers | Salesforce-CMCAES questions and answers | Service-Cloud-Consultant online exam | PDII PDF Questions | Salesforce-Certified-Marketing-Cloud-Consultant assessment test sample | Salesforce-OmniStudio-Developer writing test questions | Salesforce-Health-Cloud-Accredited-Professional boot camp | Salesforce-Data-Cloud real questions | CRT-271 test prep | Marketing-Cloud-Consultant practice exam | Salesforce-Process-Automation-Accredited-Professional practice questions | Salesforce-CDP test example | Salesforce-nCino-201 exam preparation | ADX-271 Free exam PDF | Salesforce-Financial-Services-Cloud test prep | Salesforce-Loyalty-Management exam cram | Salesforce-Advanced-Cross-Channel exam questions | DEX-450 free prep |
Best practice questions You Ever Experienced
212-055 exam results | PSPO-I test prep questions | MORF pdf questions | C-EFM examcollection | PCAT download | Okta-Certified-Developer PDF Download | PCIP3-0 mock exam | PAS-C01 practice test | PC-BA-FBA-20 questions download | 922-102 free pdf | Salesforce-nCino-201 assessment test sample | CWCN exam cram | 72301X study guide | HPE3-U01 practice exam | 4A0-205 exam cram | DMDI301 Free exam PDF | SAFe-Practitioner Test Prep | ONCC-CBCN bootcamp | 9L0-314 pdf download | 101-01 Real exam Questions |
References :
Similar Websites :
Pass4sure Certification exam Practice Tests
Pass4Sure Certification Question Bank
Salesforce-Financial-Services-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-Financial-Services-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