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 Scrum-Master-Certified?
Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der Scrum-Master-Certified: Scrum Master Certified Prüfung.
2023 Updated Actual Scrum-Master-Certified questions as experienced in Test Center
Aktuelle Scrum-Master-Certified Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz
![]() Scrum Scrum-Master-Certified : Scrum Master Certified test DumpsExam Dumps Organized by Shahid nazir |
Latest 2023 Updated Syllabus
Scrum-Master-Certified test
Dumps | Latest Braindumps with real Questions
Real Questions from Latest courses of Scrum-Master-Certified - Updated Daily - 100% Pass Guarantee
Scrum-Master-Certified sample Questions : Download 100% Free Scrum-Master-Certified test
Dumps (PDF and VCE)
Exam Number : Scrum-Master-Certified
Exam Name : Scrum Master Certified
Vendor Name : Scrum
Update : Click Here to Check Latest Update
Question Bank : Check Questions
Real test out Scrum-Master-Certified Question Bank questions accessible for real test out
killexams.com is the distinct latest project regarding moving the Scrum Scrum-Master-Certified exam. They now have very carefully long gone by means of and compiled real Scrum Master Certified examination problems and solutions, which often are usually guaranteed specific copies of Real Scrum-Master-Certified examination inquiries, up to date, and also valid.
We have a big selection involving recommendations of potential clients that complete Scrum-Master-Certified examination with these deposits. All of them are in the great jobs throughout their own individual business. This is not since they employed each of their Scrum-Master-Certified PDF Questions to add transferring exam, they really improved their own information. They are able to job in a corporation seeing that experts. Every one of us do not just pay attention to transferring Scrum-Master-Certified check with the deposits, yet really Excellerate information regarding Scrum-Master-Certified matters as well as targets. Like this, folks turn out to be successful on their industry.
In the event, you have been seeking to Pass the real Scrum Scrum-Master-Certified test to raise your position or maybe if your profession is needing what will you might have in order to complete Scrum-Master-Certified check in order to corporation to keep up your overall job, you must register via killexams.com. The team participants usually are get together Scrum-Master-Certified real analysis inquiries. You may get Scrum Master Certified test problems and responses in order to certain your personal accomplishment within Scrum-Master-Certified exam. You can down load up in so that it will date Scrum-Master-Certified test debris each time a particular person log in to the current profile. There generally is a number of offer you Scrum-Master-Certified PDF Questions yet Valid together with 2022 Current Scrum-Master-Certified Question Bank is usually a main concern. Believe hard previous to a person will depend on Free boot camp supplied online.
You may down load Scrum-Master-Certified Free PDF PDF almost any period portable device or maybe computer to check and retain the particular real Scrum-Master-Certified questions although you happen to be inside the center regarding a number of recreation or maybe traveling. This might make use of your overall spare time and you ought to get more chances to learn Scrum-Master-Certified questions. Exercising Scrum-Master-Certified PDF Questions with VCE analyzes sim over in supplement to over until eventually a person obtains 100% review. Once you truly feel positive, direct go in so that it will test centre regarding real Scrum-Master-Certified exam.
In this article are numerous Free PDF vendors on the web even so a huge part regarding these individuals are sharing obsolete Scrum-Master-Certified PDF Questions. You need to be able to come to the real trusted and revered Scrum-Master-Certified Free PDF provider on the internet. Possibly a person conclude the particular search in addition to killexams.com. Inside almost any case, bear in mind, your pursuit could land up together with physical exercise in expend pounds. They all suggest a person uncomplicated head to killexams.com and get fully free Scrum-Master-Certified boot camp together with trying the tryout questions. Should a person is definitely satisfied, join and get a brand new 3 months option of obtain the popular and appropriate Scrum-Master-Certified PDF Questions that will incorporate real evaluation questions as well as solutions. You need to likewise obtain Scrum-Master-Certified VCE analyze sim for the training.
Features of Killexams Scrum-Master-Certified PDF Questions
-> Scrum-Master-Certified PDF Questions obtain Accessibility in just a few min.
-> Comprehensive Scrum-Master-Certified Inquiries Bank
-> Scrum-Master-Certified test
Achievement certain
-> Assured real Scrum-Master-Certified test
questions
-> Latest as well as 2022 current Scrum-Master-Certified Inquiries and Solutions
-> Latest 2022 Scrum-Master-Certified Syllabus
-> obtain Scrum-Master-Certified test
Data files anywhere
-> Endless Scrum-Master-Certified VCE test
Sim Access
-> Absolutely no Limit about Scrum-Master-Certified Test obtain
-> Excellent Discount Coupons
-> fully Secure Order
-> 100% Discreet.
-> 100% No cost Question Bank structure Questions
-> Absolutely no Hidden Charge
-> No Month to month Subscription
-> Absolutely no Auto Rebirth
-> Scrum-Master-Certified Test Update Appel by Email address
-> Free Tech support team
Test Detail on: https://killexams.com/pass4sure/exam-detail/Scrum-Master-Certified
Rates Details on: https://killexams.com/exam-price-comparison/Scrum-Master-Certified
Observe Complete Record: https://killexams.com/vendors-exam-list
Discount Coupon code on Total Scrum-Master-Certified Free PDF questions;
WC2020: 60% Toned Discount to each of your test
PROF17: 10% More Discount about Value Higher than $69
DEAL17: 15% More Discount about Value Higher than $99

Scrum-Master-Certified test Format | Scrum-Master-Certified Course Contents | Scrum-Master-Certified Course Outline | Scrum-Master-Certified test Syllabus | Scrum-Master-Certified test Objectives
Exam Number : Scrum Master Certified
Exam Name : Scrum Master Certified
Exam structure: questions from all chapters, testing both
understanding as well as identification
Question structure: multiple choice
Extensive examination practice and feedback is included in the
workshop.
Students will receive an examination link at end of the training. The
examination consists of:
• 40 compulsory questions; No negative marking
• One hour
Participants will become familiar with the concepts, advantages, and
challenges of the Scrum methodology.
• Participants will be equipped with the knowledge needed to be the
Scrum Master or developer in their organizations and help their
organizations adopt Scrum methodology. Furthermore, participants
will develop an understanding of all the roles in Scrum.
• Participants will have experience carrying out a Scrum project
through simulated case studies.
• Participants will gain knowledge to identify and anticipate issues
related to the practical implementation of scrum.
• Participants will be armed with the proper tools to address, resolve,
and take the lead on Scrum issues in their organizations.
Introduction to SCRUM and AGILE
• Introduction to Agile
• Overview of Adaptive Project Management
and comparison with Waterfall
• History of Agile and Overview of the various methods of
Agile Product Development
• Overview of SCRUM, characteristics of SCRUM
methodology
• Advantages of using SCRUM
• End of chapter quiz
Roles in SCRUM
• Overview of SCRUM roles
• Product Owner- Roles and Responsibilities
• Scrum Master- Roles and Responsibilities
• Development Team- Roles and Responsibilities
End of chapter quiz
Planning in SCRUM
• Overview of SCRUM process flow
• SCRUM Pre-project Meeting: overview, Product Vision
development
• Product Backlog: overview, developing the Backlog
• User Stories: overview, layout, developing User Stories
• Release Planning: overview and guidelines
• End of chapter quiz
Sprint Planning Meeting
• Overview of Sprint Planning Meeting
• Objective definition and task estimation
• Sprint Backlog: overview, developing the Backlog
• Estimation of tasks: planning estimation game
• Product Backlog Grooming: overview, need, grooming
process
• Acceptance Criteria for User Stories
• End of chapter quiz
Daily Scrum and Post-Sprint Meetings
• Daily Stand-up Meetings: overview, attendees
• Rules for conducting Daily Stand-ups.
• Sprint Burn Down Chart- description, relevance
and advantages
• Sprint Review Meeting: overview, attendees,
rules
• Sprint Retrospective Meeting: overview,
attendees, rules
• End of chapter quiz
Practical Implementation Considerations for
SCRUM
• SCRUM for large projects: implementation
challenges
• Chief Product Owner: responsibilities and roles
in large projects
• Transition to SCRUM: resistance to change,
implementation considerations
• Mapping traditional roles to SCRUM
• Distributed teams in SCRUM
• Maintaining stakeholder involvement
• End of chapter quiz
Killexams Review | Reputation | Testimonials | Feedback
No material is greater proper than this Scrum-Master-Certified source.
We all recognize that passing the Scrum-Master-Certified test
is a big deal. I passed my Scrum-Master-Certified exam, I became so happy because killexams.com gave me 87% marks. My sister is studying Cisco CCNA by downloading killexams.com CCNA braindumps.
Updated and real test
bank of Scrum-Master-Certified test.
I am no longer a fan of on-line braindumps, due to the fact they will be often posted via irresponsible oldsters that misinform you into gaining knowledge of belongings you do not want and lacking subjects that you want to understand. Not killexams.com. This company provides truly valid questions answers that help you get via your examination test
training. That is how I passed Scrum-Master-Certified exam. The first time, First I trusted loose online stuff and I failed. I was given killexams.com Scrum-Master-Certified test
simulator - and that I passed. That is the most effective evidence I want. Thanks, killexams.com crew.
100% free dumps of Scrum-Master-Certified test
for you to test.
exam to be less difficult. killexams.com has saved my money and time, without these Scrum-Master-Certified dumps Braindumps I would have failed the Scrum-Master-Certified exam. I got panic about few questions, so I nearly had to bet, however that is my fault. I must have memorized well and listened to the questions better. Nevermind, I passed the Scrum-Master-Certified test
with great scores.
Do you want updated dumps of Scrum-Master-Certified test
to pass the exam?
I was suggested to the killexams.com dumps as a brisk reference for my exam. They finished an excellent task, I in reality like their overall performance and fashion of running. The short-duration answers had been tons less worrying to take into account. I dealt with 98% of questions scoring 80% marks. The test
Scrum-Master-Certified became a noteworthy challenge for my IT profession. At the same time, I did not contribute a whole lot of time to installation my-self correctly for this exam.
It is great to pay attention on these free dumps Scrum-Master-Certified exam.
I have been so inclined with my entire manner till I recognized that I had to pass in my Scrum-Master-Certified and this may make me popular that I am brief of radiance yet passing my tests and answered almost all questions in just 75 mins with killexams.com dumps. Multiple awesome men can not convey an exchange to planets way however they could help you to realize what you got and I need to make my unique imprint.
Scrum Certified exam
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 test dumps 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.
Is Killexams.com Legit?
Sure, Killexams is 100 percent legit together with fully reputable. There are several benefits that makes killexams.com traditional and genuine. It provides up-to-date and 100 percent valid test
dumps that contain real exams questions and answers. Price is surprisingly low as compared to almost all the services online. The Braindumps are modified on normal basis through most latest brain dumps. Killexams account make and products delivery is amazingly fast. Computer file downloading is unlimited and intensely fast. Support is avaiable via Livechat and Netmail. These are the features that makes killexams.com a strong website offering test
dumps with real exams questions.
Which is the best braindumps site of 2023?
There are several Braindumps provider in the market claiming that they provide real test
Questions, Braindumps, Practice Tests, Study Guides, cheat sheet and many other names, but most of them are re-sellers that do not update their contents frequently. Killexams.com is best website of Year 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
Braindumps 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 Braindumps 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 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 real Test. Go register for Test in Exam Center and Enjoy your Success.
156-585 free pdf | ACE-PT test papers | 1Y0-204 sample questions | MS-720 free test papers | CWT-100 test questions | NCP-MCI-5.20 test Questions | VCS-260 practical test | COF-C02 Cheatsheet | PEGAPCSSA85V1 certification sample | Industries-CPQ-Developer prep questions | PL-900 practice questions | 810-440 practice test | MS-740 test Cram | ASVAB-Arithmetic-Reasoning test questions | PSE-Strata Practice Questions | 300-535 study guide | MB-340 VCE | CSLE practice test | Magento-Certified-Professional-Cloud-Developer brain dumps | CPP-CPA free practice tests |
Scrum-Master-Certified - Scrum Master Certified Questions and Answers
Scrum-Master-Certified - Scrum Master Certified Test Prep
Scrum-Master-Certified - Scrum Master Certified information search
Scrum-Master-Certified - Scrum Master Certified learn
Scrum-Master-Certified - Scrum Master Certified learn
Scrum-Master-Certified - Scrum Master Certified Free test
PDF
Scrum-Master-Certified - Scrum Master Certified test
Questions
Scrum-Master-Certified - Scrum Master Certified answers
Scrum-Master-Certified - Scrum Master Certified Cheatsheet
Scrum-Master-Certified - Scrum Master Certified study help
Scrum-Master-Certified - Scrum Master Certified Test Prep
Scrum-Master-Certified - Scrum Master Certified education
Scrum-Master-Certified - Scrum Master Certified Cheatsheet
Scrum-Master-Certified - Scrum Master Certified test
Braindumps
Scrum-Master-Certified - Scrum Master Certified cheat sheet
Scrum-Master-Certified - Scrum Master Certified real questions
Scrum-Master-Certified - Scrum Master Certified Free test
PDF
Scrum-Master-Certified - Scrum Master Certified test
Questions
Scrum-Master-Certified - Scrum Master Certified test
Cram
Scrum-Master-Certified - Scrum Master Certified Free PDF
Scrum-Master-Certified - Scrum Master Certified test
Scrum-Master-Certified - Scrum Master Certified exam
Scrum-Master-Certified - Scrum Master Certified Question Bank
Scrum-Master-Certified - Scrum Master Certified test
success
Scrum-Master-Certified - Scrum Master Certified answers
Scrum-Master-Certified - Scrum Master Certified test
success
Scrum-Master-Certified - Scrum Master Certified test
Braindumps
Scrum-Master-Certified - Scrum Master Certified test prep
Scrum-Master-Certified - Scrum Master Certified information hunger
Scrum-Master-Certified - Scrum Master Certified test
contents
Scrum-Master-Certified - Scrum Master Certified Practice Questions
Scrum-Master-Certified - Scrum Master Certified information source
Scrum-Master-Certified - Scrum Master Certified PDF Download
Scrum-Master-Certified - Scrum Master Certified course outline
Scrum-Master-Certified - Scrum Master Certified PDF Download
Scrum-Master-Certified - Scrum Master Certified test
Scrum-Master-Certified - Scrum Master Certified test
Questions
Scrum-Master-Certified - Scrum Master Certified test
dumps
Scrum-Master-Certified - Scrum Master Certified syllabus
Scrum-Master-Certified - Scrum Master Certified dumps
Scrum-Master-Certified - Scrum Master Certified PDF Dumps
Scrum-Master-Certified - Scrum Master Certified testing
Scrum-Master-Certified - Scrum Master Certified questions
Scrum-Master-Certified - Scrum Master Certified Latest Topics
Scrum-Master-Certified - Scrum Master Certified test
Scrum-Master-Certified - Scrum Master Certified study tips
Scrum-Master-Certified - Scrum Master Certified PDF Download
Scrum-Master-Certified - Scrum Master Certified test
success
Scrum-Master-Certified - Scrum Master Certified braindumps
Scrum-Master-Certified - Scrum Master Certified education
Scrum-Master-Certified - Scrum Master Certified PDF Questions
Scrum-Master-Certified - Scrum Master Certified Real test
Questions
Scrum-Master-Certified - Scrum Master Certified Test Prep
SAFe-DevOps bootcamp | PSPO-II braindumps | PSK-I test Questions | DASM test prep | PSPO-I boot camp | SSM test questions | SAFe-Practitioner VCE | PAL-I braindumps |
Best Certification test Dumps You Ever Experienced
SSM cheat sheet | SAFe-Practitioner PDF Braindumps | PAL-I test questions | PSPO-I questions obtain | PSK-I free pdf | SAFe-DevOps Latest Questions | Scrum-PSM-II Braindumps | PSPO-II dumps questions | Scrum-Master-Certified test prep | DASM Free test PDF | PSM-I PDF Dumps |
References :
https://ello.co/killexamz/post/ez-lrvabxkiajaqpp7c23w
https://drp.mk/i/1sQ6jq85rY
https://justpaste.it/Scrum-Master-Certified
https://www.instapaper.com/read/1399893686
http://feeds.feedburner.com/Pass4sureHp0-m35ImplementingHpTrim7xSoftwareExamBraindumpsWithRealQuestionsAndPracticeSoftware
https://arfansaleemfan.blogspot.com/2021/05/scrum-master-certified-scrum-master.html
https://spaces.hightail.com/space/v47qz1ixkg/files/fi-fdcc3527-9e9c-4f1c-82f4-d4fb6f38edc4/fv-35e909ae-1887-4823-ba1c-e8bca261a9cf/Certified-Scrum-Master-CSM-(CSM-001)-20210624224624.pdf#pageThumbnail-1
http://killexams.decksrusct.com/blog/certification-exam-dumps/scrum-master-certified-scrum-master-certified-dumps-with-real-questions-by-killexams-com/
https://files.fm/f/vhkccutva
https://sites.google.com/view/killexam-scrum-master-certifie
Similar Websites :
Pass4sure Certification test
dumps
Pass4Sure test
Questions and Dumps
Scrum-Master-Certified 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 Scrum-Master-Certified 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