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 Servicenow-PR000370?
Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der Servicenow-PR000370: Certified System Administrator Prüfung.
2025 Updated Actual Servicenow-PR000370 questions as experienced in Test Center
Aktuelle Servicenow-PR000370 Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz
![]() ServiceNow Servicenow-PR000370 : Certified System Administrator Practice TestsPractice Tests Organized by Martin Hoax |
Latest 2025 Updated ServiceNow Certified System Administrator Syllabus
Servicenow-PR000370 examcollection with Premium PDF and Test Engine
Practice Tests and Free VCE Software - Questions Updated on Daily Basis
Big Discount / Cheapest price & 100% Pass Guarantee
Servicenow-PR000370 examcollection : Download 100% Free Servicenow-PR000370 practice questions (PDF and VCE)
Exam Number : Servicenow-PR000370
Exam Name : Certified System Administrator
Vendor Name : ServiceNow
Update : Click Here to Check Latest Update
Question Bank : Check Questions
Simply study and remember these Servicenow-PR000370 Exam Questions questions
Killexams.com's test prep Exam Cram is designed for anyone aiming to pass the Servicenow-PR000370 exam, including Servicenow-PR000370 certification test prep. With their resources, you can effortlessly create your personalized study guide and utilize their VCE test simulator to practice and reinforce your knowledge of the Servicenow-PR000370 Exam Cram. Their ServiceNow Servicenow-PR000370 Practice Test questions are precisely aligned with the real exam, ensuring you are well-prepared for success. Choose Killexams.com to elevate your test preparation experience!
To thoroughly master the concepts, syllabus, and objectives of Servicenow-PR000370 courses, relying solely on the coursebook is insufficient. Engaging with intricate scenarios and questions likely to appear on the Servicenow-PR000370 test is essential. Visit killexams.com to access free demo questions in PDF format. They are confident that their Certified System Administrator practice questions will exceed your expectations. By registering, you can unlock the full version of the Servicenow-PR000370 Test Prep at an exceptionally attractive discount, marking your first step toward excelling in the Certified System Administrator exam. Enhance your preparation by downloading the Servicenow-PR000370 VCE test simulator to your computer, memorizing the Servicenow-PR000370 Study Guide, and regularly practicing with the simulator. When you feel fully prepared, register at an examination center to take the Servicenow-PR000370 test with confidence.
Tackling the ServiceNow Servicenow-PR000370 test is a challenging endeavor that cannot be achieved by merely studying the coursebook or relying on free Pass Guides resources online. The real Servicenow-PR000370 test features complex questions that can challenge even the most diligent candidates, potentially leading to failure. Killexams.com addresses this by providing authentic Servicenow-PR000370 Test Prep practice questions and VCE test simulator files. Begin by downloading 100% free Servicenow-PR000370 Pass Guides to evaluate the quality before committing to the full version of Servicenow-PR000370 exam preparation software. They are confident that their Servicenow-PR000370 practice questions will prove valuable and effective for your preparation.
While numerous TestPrep providers exist online, many offer outdated Servicenow-PR000370 practice questions. To secure a trustworthy and reputable Servicenow-PR000370 practice questions provider, killexams.com is the optimal choice. Avoid wasting time and resources on unreliable materials. obtain 100% free Servicenow-PR000370 Pass Guides to explore demo questions. If satisfied, register for three months of access to the latest and valid Servicenow-PR000370 Study Guide, featuring real test questions and answers. Additionally, acquire the Servicenow-PR000370 VCE test simulator to elevate your training, ensuring you are fully equipped to succeed.

Servicenow-PR000370 test Format | Servicenow-PR000370 Course Contents | Servicenow-PR000370 Course Outline | Servicenow-PR000370 test Syllabus | Servicenow-PR000370 test Objectives
Introduction
The ServiceNow Certified System Administrator test Specification defines the purpose,
audience, testing options, test content coverage, test framework, and prerequisites
to become a ServiceNow Certified System Administrator.
Exam Purpose
The ServiceNow System Administrator Certification demonstrates that a successful
candidate has the skills and essential knowledge to contribute to the configuration,
implementation, and maintenance of the ServiceNow system.
Successfully passing this Certification test also establishes a set of skills necessary to
continue in the ServiceNow Certification paths. It is a prerequisite for advanced
courses.
Exam content is divided into Learning Domains that correspond to key syllabus and
activities typically encountered during ServiceNow implementations. In each Learning
Domain, specific learning objectives have been identified and are tested in the exam.
The following table shows the learning domains, weightings, and sub-skills measured by
this test and the percentage of questions represented in each domain. The listed subskills should NOT be considered an all-inclusive list of test content.
1 User Interface & Navigation
ServiceNow Overview
Lists and Filters
Forms and Templates
Branding
20%
2 Collaboration
User Administration
Task Management
Notifications
Reporting
20%
3 Database Administration
Data Schema
CMDB
Application/Access Control
Import Sets
30%
4 Self-Service & Process Automation
Knowledge Management
Service Catalog
20%
5 Intro to Scripting & Application Tools
Scripting
Migration and Integration
Development
10%
Total 100%
Exam Structure
The test consists of approximately (60) questions. For each question on the
examination, there are multiple possible responses. The person taking the test reviews
the response options and selects the most correct answer to the question.
Multiple Choice (single answer)
For each multiple-choice question on the exam, there are at least four possible
responses. The candidate taking the test reviews the response options and selects the
one response which most accurately answers the question.
Multiple Select (select all that apply)
For each multiple-select question on the exam, there are at least four possible
responses. The question will state how many responses should be selected. The
candidate taking the test reviews the response options and selects ALL responses that
accurately answer the question. Multiple-select questions have two or more correct
responses.
Exam Results
After completing and submitting the exam, a pass or fail result is immediately
calculated and displayed to the candidate. More detailed results are not provided to
the candidate.
Exam Retakes
If a candidate fails to pass an exam, they may register to take the test again up to
three more times for a cost of $100.
Killexams Review | Reputation | Testimonials | Feedback
Will you believe that all the Servicenow-PR000370 questions I studied were asked?
Initially concerned about an outdated Certified System Administrator practice test, I contacted10:54 AM +03 on Wednesday, May 28, 2025, contacted killexams.com’s support team and learned their materials were fully updated. Their efficient customer service and high-quality mock test gave me confidence, and I am excited to take my Certified System Administrator test in two weeks, knowing I am well-prepared.
Want up-to-date practice questions for the Servicenow-PR000370 exam? Here it is.
Precise testprep questions boosted my confidence for the Servicenow-PR000370 exam, leading to an 84% score despite tricky questions. Their accurate answers guided me to correct responses, ensuring a remarkable pass, and I am grateful for their support.
What are the main objectives of the Servicenow-PR000370 exam?
I highly recommend Killexams.com to anyone preparing for Servicenow-PR000370 exams. When I chose this platform to prepare for my Servicenow-PR000370 exam, I was not expecting much, but I was pleasantly surprised. It had all the subjects covered as per the professional syllabus. The practice questions were excellent, and I felt confident on the test day. The most remarkable thing about Killexams.com was the uncanny similarity of the questions to those on the real exam, just as promised. I never expected that, so do not hesitate, go for it!
Believe me or not! This resource for Servicenow-PR000370 questions works.
Question bank was invaluable in helping me understand the fundamentals of the Servicenow-PR000370 exam, leading to an 83.5% score. Their clear explanations and last-day revision sets were critical to my success, and I highly appreciate their effective resources.
Up-to-date and reliable practice questions for the Servicenow-PR000370 test are available here.
As someone familiar with the subject, I knew I needed assistance from practice questions if I wanted to pass a challenging test like Servicenow-PR000370. And, indeed, I was correct. The Killexams.com practice questions have an interesting technique that makes difficult subjects easy. They manage them in a short, simple, and precise manner, making it easy to remember and recall the information. I did so and was able to answer all of the questions in half the time. Truly, Killexams.com practice questions are an authentic partner in need.
ServiceNow Certified answers
Servicenow-PR000370 Exam
User: Daniel*****![]() ![]() ![]() ![]() ![]() I am proud to have scored 89% on the challenging SERVICENOW-PR000370 exam, thanks to killexams.com’s accurate testprep assessments. Their resources thoroughly evaluated my capabilities, ensuring I was well-prepared. This platform is ideal for exams taken close to academic deadlines, offering reliable updates and support. |
User: Mika*****![]() ![]() ![]() ![]() ![]() Engaging and well-structured test prep materials were instrumental in my achieving excellent scores on the SERVICENOW-PR000370 exam. The clear presentation of syllabus enhanced my understanding and made my preparation straightforward. I am thankful for their guidance, which allowed me to excel and develop a deeper knowledge of the subject matter. |
User: Jacob*****![]() ![]() ![]() ![]() ![]() I had scored 79% on my SERVICENOW-PR000370 exam, and I am grateful to Killexams.com for providing me with their comprehensive and useful practice test. I express my sincere thanks to the team for helping me overcome my test fears and succeed. |
User: Amelia*****![]() ![]() ![]() ![]() ![]() Avoiding the hassle of asking my father for servicenow-pr000370 test assistance, I relied on killexams.com’s outstanding testprep materials. Their comprehensive resources simplified my preparation, allowing me to focus on key concepts and pass with confidence. I am thankful for their reliable support, which made my certification journey stress-free and successful. |
User: Paul*****![]() ![]() ![]() ![]() ![]() Discovering killexams.com’s testprep materials online before my servicenow-pr000370 test was a fortunate find. Their concise coaching and accurate test simulator led to a strong score, and I am thankful for their cost-effective and reliable resources. |
Servicenow-PR000370 Exam
Question: Are killexams Servicenow-PR000370 test prep dependable? Answer: Yes, You can depend on Servicenow-PR000370 test prep provided by killexams. They are taken from real test sources, that's why these Servicenow-PR000370 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 but in general, these Servicenow-PR000370 questions are sufficient to pass the exam. |
Question: Is there any obtain limit on Servicenow-PR000370 real questions? Answer: No, there is no limit on download. Killexams provide the unlimited obtain of Servicenow-PR000370 practice test from your MyAccount. All the Servicenow-PR000370 test updates will be provided in the same obtain section. You will be able to obtain an unlimited number of times during the validity of your killexams account. |
Question: What is the purpose of Servicenow-PR000370 dumps? Answer: The purpose of Servicenow-PR000370 test questions is to provide to-the-point knowledge of test questions. Braindumps contain practice questions and answers. By reading and understanding the complete examcollection greatly improves your knowledge about the core syllabus of the exam. It also covers the latest syllabus. These test questions are taken from real test sources, that's why these 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 questions are sufficient to pass the exam. |
Question: Do I need Servicenow-PR000370 test simulator for practice? Answer: Yes, you need Servicenow-PR000370 test simulator for practice. You can practice the test an unlimited number of times on the test simulator. It helps greatly to Excellerate knowledge about Servicenow-PR000370 mock test while you take the practice test 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 real Servicenow-PR000370 test. |
Question: Which questions are included in Servicenow-PR000370 test prep? Answer: The latest and up-to-date Servicenow-PR000370 mock test are included in the test prep. Complete Servicenow-PR000370 questions are provided in the obtain section of your MyAccount. Killexams provide up-to-date real Servicenow-PR000370 test questions that are taken from the Servicenow-PR000370 question bank. These questions' answers are Tested by experts before they are included in the Servicenow-PR000370 question bank. By memorizing and practicing these Servicenow-PR000370 dumps, you will surely pass your test on the first attempt. |
https://www.pass4surez.com/art/read.php?keyword=ServiceNow+Certified+answers&lang=us&links=remove
Choosing a reliable certification practice test provider can be challenging, as candidates want assurance of quality, credibility, and effectiveness. Killexams.com is committed to delivering top-tier practice questions that are regularly updated to ensure accuracy and relevance. They prioritize their candidates’ success, offering high-quality resources that have empowered countless individuals to pass their certification exams with confidence and ease. Their unwavering focus on excellence, trustworthiness, and customer satisfaction sets us apart. Unlike some resellers who may mislead customers, Killexams.com maintains a stellar reputation through consistent quality and transparency. Be cautious of false claims or negative reports from competitors attempting to undermine trusted services like ours. With thousands of satisfied candidates who have successfully passed their exams using their practice tests, PDF question banks, and VCE test simulator, Killexams.com stands as a proven leader. Explore their demo questions and try their test simulator to experience firsthand why Killexams.com is the preferred choice for certification preparation.
Which is the best practice questions website?
Indeed, Killexams is 100 % legit plus fully efficient. There are several options that makes killexams.com legitimate and legit. It provides up to date and 100 % valid test questions filled with real exams questions and answers. Price is small as compared to most of the services on internet. The mock test are up graded on common basis with most accurate questions. Killexams account setup and item delivery is extremely fast. Data file downloading is definitely unlimited as well as fast. Aid is avaiable via Livechat and Message. These are the features that makes killexams.com a sturdy website that provide test prep with real exams questions.
Is killexams.com test material dependable?
There are several mock test 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 2025 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 mock test 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 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 syllabus 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 mock test will be provided in your obtain Account. You can obtain Premium practice test 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.
ADM-211 test prep | 3V0-32.21 test results | EUCOC test cram | NSE6_FAC-6.4 free online test | FCESP mock questions | DP-100 free pdf | PEGAPCDC87V1 test Questions | AACN-CSC free prep | T7 pass test | H13-612 writing test questions | SABE501V3-0 mock test | 4A0-M01 test prep | Property-and-Casualty online test | PCE-CBC test answers | C-ELBW practical test | GB0-191-ENU test questions | GRE-Verbal test demo | CBM test prep | CPD-001 test papers | ADA-DAT study help |
Servicenow-PR000370 - Certified System Administrator test contents
Servicenow-PR000370 - Certified System Administrator testprep
Servicenow-PR000370 - Certified System Administrator test questions
Servicenow-PR000370 - Certified System Administrator testing
Servicenow-PR000370 - Certified System Administrator testing
Servicenow-PR000370 - Certified System Administrator teaching
Servicenow-PR000370 - Certified System Administrator PDF Download
Servicenow-PR000370 - Certified System Administrator Free test PDF
Servicenow-PR000370 - Certified System Administrator boot camp
Servicenow-PR000370 - Certified System Administrator study help
Servicenow-PR000370 - Certified System Administrator test
Servicenow-PR000370 - Certified System Administrator cheat sheet
Servicenow-PR000370 - Certified System Administrator syllabus
Servicenow-PR000370 - Certified System Administrator Free test PDF
Servicenow-PR000370 - Certified System Administrator test success
Servicenow-PR000370 - Certified System Administrator PDF Download
Servicenow-PR000370 - Certified System Administrator Test Prep
Servicenow-PR000370 - Certified System Administrator Practice Test
Servicenow-PR000370 - Certified System Administrator Questions and Answers
Servicenow-PR000370 - Certified System Administrator teaching
Servicenow-PR000370 - Certified System Administrator Latest Questions
Servicenow-PR000370 - Certified System Administrator testprep
Servicenow-PR000370 - Certified System Administrator test
Servicenow-PR000370 - Certified System Administrator information search
Servicenow-PR000370 - Certified System Administrator answers
Servicenow-PR000370 - Certified System Administrator Study Guide
Servicenow-PR000370 - Certified System Administrator PDF questions
Servicenow-PR000370 - Certified System Administrator study tips
Servicenow-PR000370 - Certified System Administrator test questions
Servicenow-PR000370 - Certified System Administrator PDF Download
Servicenow-PR000370 - Certified System Administrator information hunger
Servicenow-PR000370 - Certified System Administrator Study Guide
Servicenow-PR000370 - Certified System Administrator Test Prep
Servicenow-PR000370 - Certified System Administrator test format
Servicenow-PR000370 - Certified System Administrator premium pdf
Servicenow-PR000370 - Certified System Administrator real Questions
Servicenow-PR000370 - Certified System Administrator test help
Servicenow-PR000370 - Certified System Administrator Test Prep
Servicenow-PR000370 - Certified System Administrator Free PDF
Servicenow-PR000370 - Certified System Administrator real questions
Servicenow-PR000370 - Certified System Administrator PDF download
Servicenow-PR000370 - Certified System Administrator course outline
Servicenow-PR000370 - Certified System Administrator test
Servicenow-PR000370 - Certified System Administrator real Questions
Other ServiceNow Practice Tests
Servicenow-CIS-VR PDF Download | CIS-RCI online exam | CIS-VRM Practice test | Servicenow-PR000370 test prep questions | Servicenow-CIS-SAM Free PDF | CIS-FSM free test papers | CIS-CPG Latest Questions | Servicenow-CIS-CSM mock exam | Servicenow-CIS-EM questions and answers | CAS-PA mock test | Servicenow-CIS-RC test answers | ServiceNow-CIS-HAM questions answers | Servicenow-CIS-HR test prep | Servicenow-CIS-ITSM assessment test sample | Servicenow-CAD practice questions | ServiceNow-CSA real questions |
Best practice questions You Ever Experienced
3X0-101 test results | S2000-017 study guide | JN0-664 questions answers | CFSW practice exam | FNP-BC pass marks | ISEB-PM1 free study guide | ASCP-MLT Latest Questions | JN0-636 prep questions | 8006 free questions | PMI-200 test questions | NEA-BC test prep questions | MS-101 test cram | CEN practice questions | PEGACPRSAV22 VCE | S90.02A test questions | DCAD free questions | NNP-BC PDF Download | C1000-123 Free PDF | ANCC-MSN demo test questions | DES-1D12 mock questions |
References :
https://arfansaleemfan.blogspot.com/2020/08/servicenow-pr000370-certified-system.html
https://drp.mk/i/09V90TNTZ3
https://www.academia.edu/43950825/Servicenow_PR000370_Certified_System_Administrator_2020_Updated_Questions_and_Answers
http://feedback.eng.umd.edu/forums/923677-eitc-2019-topics/suggestions/41236549-servicenow-pr000370-certified-system-administrat
https://www.coursehero.com/file/67220005/Certified-System-Administrator-Servicenow-PR000370pdf/
https://sites.google.com/view/killexams-servicenow-pr000370
https://killexams-servicenow-pr000370.jimdofree.com/
https://www.instapaper.com/read/1395993499
http://feeds.feedburner.com/TakeAGanderAtTheseServicenow-pr000370RealQuestionAndAnswers
https://files.fm/f/mvnz5zq3j
Similar Websites :
Pass4sure Certification test Practice Tests
Pass4Sure Certification Question Bank
Servicenow-PR000370 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 Servicenow-PR000370 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