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-PSD?
Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der Scrum-PSD: Professional Scrum Developer (PSD) Prüfung.
2025 Updated Actual Scrum-PSD questions as experienced in Test Center
Aktuelle Scrum-PSD Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz
![]() Scrum Scrum-PSD : Professional Scrum Developer (PSD) Practice TestsPractice Tests Organized by Martha nods |
Latest 2025 Updated Scrum Professional Scrum Developer (PSD) Syllabus
Scrum-PSD 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
Scrum-PSD question bank : Download 100% Free Scrum-PSD practice tests (PDF and VCE)
Exam Number : Scrum-PSD
Exam Name : Professional Scrum Developer (PSD)
Vendor Name : Scrum
Update : Click Here to Check Latest Update
Question Bank : Check Questions
Simply study these Scrum-PSD Exam Cram before test.
If you are searching for a dependable, up-to-date, and cutting-edge Scrum-PSD Mock Questions database to prepare for the Professional Scrum Developer (PSD) exam, killexams.com is your ultimate solution. They provide a comprehensive collection of Scrum-PSD Mock Questions sourced directly from real exams, ensuring you have the exact material needed to pass the Scrum-PSD test confidently on your first try. By thoroughly studying their Scrum-PSD Questions and Answers, you will gain the knowledge and skills required to excel in the Scrum-PSD exam.
To successfully pass the Scrum Scrum-PSD exam, a thorough grasp of the course materials, syllabus, and objectives is essential. Merely studying the Scrum-PSD course guide is insufficient. You must also master the complex scenarios and questions featured in the genuine Scrum-PSD exam. Visit killexams.com to get free Scrum-PSD PDF demo questions and assess their quality. If satisfied, register to access the complete Scrum-PSD TestPrep, your key to triumph in the Professional Scrum Developer (PSD) exam, backed by their expertly designed VCE test materials.
For added convenience, transfer the Scrum-PSD Exam Questions PDF to any device—be it an iPad, iPhone, laptop, smart TV, or Android device—and study the Scrum-PSD boot camp during travel or leisure time. This approach saves valuable time and energy, allowing more focus on reviewing the Scrum-PSD practice questions. Hone your skills with their VCE test Simulator, available as both an Online Test Engine and Desktop Test Engine, practicing Scrum-PSD Exam Questions until you consistently score 100%. Once confident, head to the Test Center and tackle the real Scrum-PSD test with assurance.

Scrum-PSD test Format | Scrum-PSD Course Contents | Scrum-PSD Course Outline | Scrum-PSD test Syllabus | Scrum-PSD test Objectives
Exam Specification:
- test Name: Professional Scrum Developer (PSD)
- test Code: PSD
- test Duration: 60 minutes
- test Format: Multiple-choice and multiple-select questions
Course Outline:
1. Introduction to Professional Scrum Developer (PSD)
- Understanding the role of a Professional Scrum Developer in an Agile development team
- Overview of the Scrum framework and its benefits for software development
2. Agile Software Development Principles and Practices
- Exploring Agile software development principles and values
- Understanding the core practices of Agile development, such as incremental delivery, continuous integration, and test-driven development
3. Scrum Framework and Roles
- Deep dive into the Scrum framework, including its events, artifacts, and roles
- Understanding the responsibilities of the Scrum Master, Product Owner, and Development Team
4. Agile Planning and Estimation
- Techniques for agile planning and estimation, such as user story mapping, relative sizing, and sprint planning
- Understanding how to create and maintain a product backlog
5. Collaborative Development and Continuous Integration
- Promoting collaboration and communication within the development team
- Implementing continuous integration practices for faster feedback and higher quality
6. Test-Driven Development (TDD)
- Understanding the principles and benefits of TDD
- Practicing TDD to ensure reliable and maintainable code
7. Refactoring and Code Quality
- Techniques for refactoring code to Boost its design and maintainability
- Strategies for ensuring code quality through code reviews, automated testing, and code metrics
Exam Objectives:
1. Understand the principles and values of Agile software development.
2. Apply Scrum framework and practices in software development.
3. Collaborate effectively within a Scrum development team.
4. Use Agile planning and estimation techniques.
5. Implement continuous integration and delivery practices.
6. Apply test-driven development (TDD) principles and practices.
7. Maintain code quality through refactoring and code reviews.
Exam Syllabus:
The test syllabus covers the following subjects (but is not limited to):
- Agile software development principles and values
- Scrum framework, events, artifacts, and roles
- Agile planning and estimation techniques
- Collaborative development and continuous integration practices
- Test-driven development (TDD) principles and practices
- Code refactoring and code quality practices
Killexams Review | Reputation | Testimonials | Feedback
Obtain these Scrum-PSD questions.
For those pursuing Scrum-PSD certification, killexams.com offers unparalleled support. Their test simulator and practice tests provided me with the confidence and knowledge needed to excel. The comprehensive resources ensured I was well-prepared for every aspect of the exam.
Try out these real latest Scrum-PSD practice tests.
With the excellent products of Killexams.com, I was able to score 92% marks in my Scrum-PSD certification exam. I had been searching for a reliable test VCE test that would help me increase my knowledge level. Due to the technical requirements and difficult language of my Scrum-PSD certification, I needed to find a trustworthy and easy-to-use test product. Killexams.com became the solution to my problem. The platform provided coaching by expert individuals, making the difficult task seem easy. I am proud of my success, and I believe that this platform is the best fit for me.
Where will I locate practice tests for the Scrum-PSD exam?
Joining Killexams.com was the best decision I ever made. I felt like I was embarking on the greatest adventure of my life, and I was absolutely not wrong. I was determined to pass the Scrum-PSD test and become the first in my organization to achieve this qualification. Killexams.com online resources were invaluable, and I was able to pass the test and make everyone proud. I wholeheartedly recommend Killexams.com to any student who wants to feel the same sense of accomplishment as I did.
The right place to obtain the latest Scrum-PSD VCE test questions.
Thanks to Killexams.com’s questions, answers, and incredibly helpful test simulator, I was able to pass my Scrum-PSD test with remarkable ease. Their resources were exceptionally beneficial, and the questions in their test prep aligned perfectly with all the critical subjects covered in the genuine exam. Even the few questions that were not directly addressed by their materials were easily managed, and I am very satisfied with the outcome.
I feel very confident with the help of preparing Scrum-PSD genuine test questions.
Testprep question bank’s detailed explanations deepened my conceptual understanding, leading to a 90% score on the Scrum-PSD exam. Their effective resources made success straightforward, and I am thankful for their support.
Scrum Professional Test Prep
Scrum-PSD Exam
User: Tatjana*****![]() ![]() ![]() ![]() ![]() The killexams.com Q&A guide was a blessing for my scrum-psd test preparation, alleviating my stress and boosting my confidence. Their clear and concise materials made studying manageable, and I passed the test with ease. I highly recommend their resources to all candidates. |
User: Tiarna*****![]() ![]() ![]() ![]() ![]() I would like to express my sincere gratitude to the Killexams team. Their test preparation material was instrumental in my success on the SCRUM-PSD exam, and I am grateful to have the opportunity to share my positive experience. Thanks to their remarkable support, I achieved a score of 90% on my SCRUM-PSD exam. |
User: Rhodie*****![]() ![]() ![]() ![]() ![]() I never expected that the issues I had always avoided could be so enjoyable to test. The simple and concise method of purchasing study materials made my preparation much less stressful and helped me achieve a score of 89%. Thanks to the Killexams.com practice test, I not only passed but excelled on my exam. |
User: Valeriya*****![]() ![]() ![]() ![]() ![]() Passing the scrum-psd test was a challenge until I discovered killexams.com’s practice tests. Complex subjects became manageable with their clear and concise questions and answers, and I completed my preparation in just ten days. The platform’s accuracy and comprehensive coverage were instrumental in my success, and I extend my heartfelt thanks to killexams.com for their invaluable resources. |
User: Savina*****![]() ![]() ![]() ![]() ![]() The SCRUM-PSD test system has many tiny details and configuration tricks that can be challenging if you do not have much experience in the field. Killexams.com SCRUM-PSD Q&A are more than sufficient to sit and pass the test with ease. It was an absolute blessing for me to use killexams.com to prepare for the SCRUM-PSD exam. |
Scrum-PSD Exam
Question: Can I get updated Scrum-PSD dumps with genuine Questions & Answers? Answer: Yes, You can get up-to-date and valid Scrum-PSD questions with genuine questions and answers. These are the latest and valid questions with real Q&A that contain test prep. When you will memorize these questions, it will help you get Good Marks in the exam. |
Question: My Scrum-PSD test is tomorrow, How can you help? Answer: Killexams recommend these Scrum-PSD questions to memorize before you go for the genuine test because this Scrum-PSD question bank contains to date and 100% valid Scrum-PSD question bank with the new syllabus. Killexams has provided the shortest Scrum-PSD questions for busy people to pass Scrum-PSD test without reading massive course books. If you go through these Scrum-PSD questions, you are more than ready to take the test. They recommend taking your time to study and practice Scrum-PSD VCE test until you are sure that you can answer all the questions that will be asked in the genuine Scrum-PSD exam. For a full version of Scrum-PSD test prep, visit killexams.com and register to get the complete question bank of Scrum-PSD test test prep. These Scrum-PSD test questions are taken from genuine test sources, that's why these Scrum-PSD test 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 Scrum-PSD questions are sufficient to pass the exam. |
Question: Does it help to take Scrum-PSD VCE test again and again? Answer: Yes, it helps greatly to memorize Scrum-PSD Q&A while you take Scrum-PSD practice tests again and again. You will see that you will memorize all the questions and you will be taking 100% marks. That means you are fully prepared to take the genuine Scrum-PSD test. |
Question: How can I ensure my Scrum-PSD test success? Answer: You can ensure your success with Scrum-PSD test prep provided by killexams.com. These are sufficient to pass the test on the first attempt. Visit killexams.com and register to get the complete question bank of Scrum-PSD test test prep. These Scrum-PSD test questions are taken from genuine test sources, that's why these Scrum-PSD test 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 Scrum-PSD questions are sufficient to pass the exam. If you have time to study, you can prepare for the test in very little time. They recommend taking enough time to study and practice Scrum-PSD VCE test that you are sure that you can answer all the questions that will be asked in the genuine Scrum-PSD exam. |
Question: Does killexams PDF and VCE contain different questions and answsers? Answer: Killexams Scrum-PSD PDF and VCE use the same pool of questions. These Scrum-PSD test questions are taken from genuine test sources, that's why these Scrum-PSD test questions are sufficient to read and pass the exam. Their team keep on checking update and keep the Scrum-PSD questions up to date. |
https://www.pass4surez.com/art/read.php?keyword=Scrum+Professional+Test+Prep&lang=us&links=remove
Choosing the right certification VCE test provider can be challenging, as candidates often encounter unreliable services that compromise their preparation. At Killexams.com, they are committed to delivering top-quality practice tests, ensuring their materials are regularly updated and rigorously validated for accuracy. Their customers’ success is a testament to their dedication, with countless candidates passing their certification exams confidently and efficiently thanks to their resources. They take pride in maintaining an impeccable reputation, built on trust, quality, and customer satisfaction. Unlike some providers, they never compromise on the integrity of their review process or the reliability of their practice tests. Be cautious of misleading reports or scam allegations from competitors, which are often designed to undermine trusted services like ours. At Killexams.com, they back their offerings with authentic customer reviews and proven results. Explore their demo practice questions, PDF resources, and advanced VCE test simulator to experience why Killexams.com is the preferred choice for certification preparation. Your success is their priority, and we’re here to help you achieve it with confidence.
Which is the best practice tests website?
Without a doubt, Killexams is fully legit along with fully reliable. There are several characteristics that makes killexams.com genuine and reliable. It provides accurate and fully valid test questions made up of real exams questions and answers. Price is nominal as compared to almost all of the services on internet. The Q&A are kept up to date on common basis through most accurate questions. Killexams account build up and solution delivery can be quite fast. Report downloading is actually unlimited and really fast. Guidance is avaiable via Livechat and Message. These are the characteristics that makes killexams.com a strong website that come with test prep with real exams questions.
Is killexams.com test material dependable?
There are several Q&A provider in the market claiming that they provide genuine 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 2025 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 Q&A with the same frequency as they are updated in Real Test. test 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 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 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 Q&A will be provided in your get Account. You can get Premium VCE test 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 genuine Test. Go register for Test in Test Center and Enjoy your Success.
DMV practice questions | PCNSE questions get | IAAP-CPACC bootcamp | PDI test prep | CPD-001 model question | MO-100 practice test | NSE7_ADA-6.3 english test questions | 922-080 Free test PDF | CPAT pass marks | ASF study material | HESI-A2 question test | NCSE-Core cbt | STAAR prep questions | S2000-016 test questions | Salesforce-Certified-Marketing-Cloud-Email-Specialist VCE | Certified-Development-Lifecycle-and-Deployment-Designer VCE test | RE18 free pdf | ACF-CCC Q&A | NCEES-FE test test | PCEP-30-02 PDF Questions |
Scrum-PSD - Professional Scrum Developer (PSD) information search
Scrum-PSD - Professional Scrum Developer (PSD) PDF questions
Scrum-PSD - Professional Scrum Developer (PSD) cheat sheet
Scrum-PSD - Professional Scrum Developer (PSD) PDF download
Scrum-PSD - Professional Scrum Developer (PSD) Questions and Answers
Scrum-PSD - Professional Scrum Developer (PSD) questions
Scrum-PSD - Professional Scrum Developer (PSD) test
Scrum-PSD - Professional Scrum Developer (PSD) learn
Scrum-PSD - Professional Scrum Developer (PSD) Practice Questions
Scrum-PSD - Professional Scrum Developer (PSD) PDF questions
Scrum-PSD - Professional Scrum Developer (PSD) Free test PDF
Scrum-PSD - Professional Scrum Developer (PSD) testprep
Scrum-PSD - Professional Scrum Developer (PSD) test Questions
Scrum-PSD - Professional Scrum Developer (PSD) Real test Questions
Scrum-PSD - Professional Scrum Developer (PSD) testing
Scrum-PSD - Professional Scrum Developer (PSD) outline
Scrum-PSD - Professional Scrum Developer (PSD) test Questions
Scrum-PSD - Professional Scrum Developer (PSD) Real test Questions
Scrum-PSD - Professional Scrum Developer (PSD) real questions
Scrum-PSD - Professional Scrum Developer (PSD) Study Guide
Scrum-PSD - Professional Scrum Developer (PSD) PDF Download
Scrum-PSD - Professional Scrum Developer (PSD) test help
Scrum-PSD - Professional Scrum Developer (PSD) PDF Download
Scrum-PSD - Professional Scrum Developer (PSD) test cram
Scrum-PSD - Professional Scrum Developer (PSD) premium pdf
Scrum-PSD - Professional Scrum Developer (PSD) Questions and Answers
Scrum-PSD - Professional Scrum Developer (PSD) test success
Scrum-PSD - Professional Scrum Developer (PSD) Real test Questions
Scrum-PSD - Professional Scrum Developer (PSD) cheat sheet
Scrum-PSD - Professional Scrum Developer (PSD) Study Guide
Scrum-PSD - Professional Scrum Developer (PSD) PDF download
Scrum-PSD - Professional Scrum Developer (PSD) answers
Scrum-PSD - Professional Scrum Developer (PSD) test Questions
Scrum-PSD - Professional Scrum Developer (PSD) certification
Scrum-PSD - Professional Scrum Developer (PSD) test help
Scrum-PSD - Professional Scrum Developer (PSD) real questions
Scrum-PSD - Professional Scrum Developer (PSD) testing
Scrum-PSD - Professional Scrum Developer (PSD) tricks
Scrum-PSD - Professional Scrum Developer (PSD) information search
Scrum-PSD - Professional Scrum Developer (PSD) study help
Scrum-PSD - Professional Scrum Developer (PSD) Free test PDF
Scrum-PSD - Professional Scrum Developer (PSD) premium pdf
Scrum-PSD - Professional Scrum Developer (PSD) information hunger
Scrum-PSD - Professional Scrum Developer (PSD) real questions
Other Scrum Practice Tests
PSPO-II boot camp | PSM-I PDF Download | Scrum-SPS practical test | DASSM questions and answers | Scrum-Master-Certified demo questions | Scrum-PSM-II test prep | Scrum-PSD PDF Questions | DASM study guide | PSPO-I free prep | PAL-I test questions | PAL-EBM test questions | PSK-I certification sample | Scrum-PSD-I mock questions |
Best practice tests You Ever Experienced
NY-Property-and-Casualty test preparation | WOCNCB-CCCN mock questions | AGACNP-BC free practice tests | PED-BC Question Bank | 1T6-303 test Questions | S90.03A free online test | NCMA-CMA pass marks | Salesforce-Certified-Sales-Cloud-Consultant writing test questions | DVA-C02 questions answers | VCS-325 pdf download | CBAF-001 Free PDF | 312-39 test results | CIMAPRA17-BA1-1-ENG test Questions | 250-251 practice exam | C1000-142 test prep | PAM-DEF training material | 4A0-M01 Questions and Answers | Magento-Certified-Professional-Cloud-Developer test prep | SPLK-2001 mock questions | CSET mock exam |
References :
Similar Websites :
Pass4sure Certification test Practice Tests
Pass4Sure Certification Question Bank
Scrum-PSD 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-PSD 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