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 TTA1?
Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der TTA1: ISTQB-BCS Certified Tester Advanced Level- Technical Test Analyst Prüfung.
2025 Updated Actual TTA1 questions as experienced in Test Center
Aktuelle TTA1 Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz
![]() ASTQB TTA1 : ISTQB-BCS Certified Tester Advanced Level- Technical Test Analyst exam Questions, MCQs and Practice TestPractice Test Organized by Richard |
Latest 2025 MCQs of ASTQB ISTQB-BCS Certified Tester Advanced Level- Technical Test Analyst
TTA1 exam Questions & Practice Test, MCQs in Premium PDF and Test Engine
MCQs practice exam and Free Test Engine Software - MCQs Updated on Daily Basis
Big Discount / Cheapest price & 100% Success Rate
TTA1 MCQs : Download 100% Free TTA1 exam Questions (PDF and VCE)
Exam Number : TTA1
Exam Name : ISTQB-BCS Certified Tester Advanced Level- Technical Test Analyst
Vendor Name : ASTQB
Update : Click Here to Check Latest Update
Total MCQs : Check Questions
Guarantee your sucess with TTA1 free pdf
Our TTA1 exam MCQs practice tests and preparation materials empower thousands of candidates to successfully pass the TTA1 exam. They proudly showcase numerous success stories and testimonials from their satisfied users. Their exam questions practice tests are dependable, cost-effective, current, and fully validated. At Killexams.com, they consistently update their MCQs practice tests and periodically release new TTA1 MCQs content to ensure top-quality preparation. Leverage their premium TestPrep Practice Tests, online
Numerous candidates have provided compelling testimonials confirming their success in passing the TTA1 test with the invaluable assistance of their PDF Questions. These individuals are now thriving in distinguished positions within their organizations. It is an undeniable fact that, subsequent to utilizing their TTA1 MCQs, they have experienced remarkable improvements in both their knowledge and skills, enabling them to confidently operate as seasoned experts in their respective domains. Their unwavering focus extends beyond merely passing the TTA1 test with their TestPrep; they are equally dedicated to profoundly enhancing their candidates' understanding of TTA1 goals and objectives. This holistic approach is precisely how individuals achieve enduring success in their careers.
If your ambition is to conquer the ASTQB TTA1 test to secure a coveted position or to significantly advance your current standing within your organization, then registering at killexams.com is imperative. Their dedicated team of experts meticulously gathers genuine TTA1 test questions at killexams.com. You will receive ISTQB-BCS Certified Tester Advanced Level- Technical Test Analyst test questions designed to ensure your success in passing the TTA1 test. Every time you log in to your account, you will have the convenience of downloading updated TTA1 test questions. While the market presents numerous organizations offering TTA1 MCQs, only valid and up-to-date 2025 TTA1 Exam Questions hold true significance. Practice caution when relying solely on Free TestPrep found on the internet, as this path could lead to an unsuccessful test attempt. Therefore, investing a modest fee for killexams TTA1 genuine questions represents a judicious choice to circumvent potentially significant test expenses.

TTA1 exam Format | TTA1 Course Contents | TTA1 Course Outline | TTA1 exam Syllabus | TTA1 exam Objectives
ISTQB® Certified Tester Advanced Level - Technical Test Analyst
Explore the role and responsibilities of the technical test analyst and develop your skills at a recognised, advanced level.
Successful completion of the ISTQB Certified Tester Foundation level and a minimum of three years testing experience is recommended.
The Intermediate Certificate may also be helpful but is not required.
Training with a BCS accredited training provider is recommended.
The technical test analysts tasks in risk-based testing
Structure-based testing
Analytical techniques
Quality characteristics for technical testing
Reviews
Test tools and automation
0.1 Purpose of this Document
This syllabus forms the basis for the International Software Testing Qualification at the Advanced
Level for the Technical Test Analyst. The ISTQB® provides this syllabus as follows:
1. To National Boards, to translate into their local language and to accredit training providers.
National Boards may adapt the syllabus to their particular language needs and modify the
references to adapt to their local publications.
2. To exam Boards, to derive examination questions in their local language adapted to the
learning objectives for each syllabus.
3. To training providers, to produce courseware and determine appropriate teaching methods.
4. To certification candidates, to prepare for the exam (as part of a training course or
independently).
5. To the international software and systems engineering community, to advance the profession
of software and systems testing, and as a basis for books and articles.
The ISTQB® may allow other entities to use this syllabus for other purposes, provided they seek and
obtain prior written permission.
0.2 Overview
The Advanced Level is comprised of three separate syllabi:
Test Manager
Test Analyst
Technical Test Analyst
The Advanced Level Overview document [ISTQB_AL_OVIEW] includes the following information:
Business Outcomes for each syllabus
Summary for each syllabus
Relationships between the syllabi
Description of cognitive levels (K-levels)
Appendices
0.3 Examinable Learning Objectives
The Learning Objectives support the Business Outcomes and are used to create the examination for
achieving the Advanced Technical Test Analyst Certification. In general all parts of this syllabus are
examinable at a K1 level. That is, the candidate will recognize, remember and recall a term or
concept. The learning objectives at K2, K3 and K4 levels are shown at the beginning of the pertinent
chapter.
0.4 Expectations
Some of the learning objectives for the Technical Test Analyst assume that basic experience is
available in the following areas:
General programming concepts
General concepts of system architectures
Certified Tester
Advanced Level Syllabus - Technical Test Analyst
International
Software Testing
Qualifications Board
1. The Technical Test Analyst's Tasks in Risk-Based Testing - 30 mins.
Keywords
product risk, risk analysis, risk exam, risk identification, risk level, risk mitigation, risk-based
testing
Learning Objectives for the Technical Test Analyst's Tasks in Risk-Based
Testing
1.3 Risk Assessment
TTA-1.3.1 (K2) Summarize the generic risk factors that the Technical Test Analyst typically needs to
consider
Common Learning Objectives
The following learning objective relates to content covered in more than one section of this chapter.
TTA-1.x.1 (K2) Summarize the activities of the Technical Test Analyst within a risk-based approach
for planning and executing testing
The Test Manager has overall responsibility for establishing and managing a risk-based testing
strategy. The Test Manager usually will request the involvement of the Technical Test Analyst to
ensure the risk-based approach is implemented correctly.
Because of their particular technical expertise, Technical Test Analysts are actively involved in the
following risk-based testing tasks:
Risk identification
Risk exam
Risk mitigation
These tasks are performed iteratively throughout the project to deal with emerging product risks and
changing priorities, and to regularly evaluate and communicate risk status.
Technical Test Analysts work within the risk-based testing framework established by the Test Manager
for the project. They contribute their knowledge of the technical risks that are inherent in the project,
such as risks related to security, system reliability and performance.
1.2 Risk Identification
By calling on the broadest possible sample of stakeholders, the risk identification process is most
likely to detect the largest possible number of significant risks. Because Technical Test Analysts
possess unique technical skills, they are particularly well-suited for conducting expert interviews,
brainstorming with co-workers and also analyzing the current and past experiences to determine
where the likely areas of product risk lie. In particular, the Technical Test Analysts work closely with
their technical peers (e.g., developers, architects, operations engineers) to determine the areas of
technical risk.
Sample risks that might be identified include:
Performance risks (e.g., inability to achieve response times under high load conditions)
Security risks (e.g., disclosure of sensitive data through security attacks)
Reliability risks (e.g., application unable to meet availability specified in the Service Level
Agreement)
Risk areas relating to specific software quality characteristics are covered in the relevant chapters of
this syllabus.
1.3 Risk Assessment
While risk identification is about identifying as many pertinent risks as possible, risk exam is the
study of those identified risks in order to categorize each risk and determine the likelihood and impact
associated with each risk.
Determining the level of risk typically involves assessing, for each risk item, the likelihood of
occurrence and the impact upon occurrence. The likelihood of occurrence is usually interpreted as the
likelihood that the potential problem can exist in the system under test.
The Technical Test Analyst contributes to finding and understanding the potential technical risk for
each risk item whereas the Test Analyst contributes to understanding the potential business impact of
the problem should it occur.
Killexams Review | Reputation | Testimonials | Feedback
Don't waste your time searching the internet; just go for these TTA1 Questions and Answers.
Passing the TTA1 exam seemed daunting until killexams.com exam Questions Answers practice exam provided the skills and confidence I needed. Scoring 90%, my highest ever, was a testament to their well-designed and reliable materials. I am grateful for their dynamic resources, which made preparation effective and rewarding.
I had no issues! 24 hours of prep with TTA1 genuine test questions is sufficient.
Killexams.com offers the highest quality TTA1 practice exam and exam MCQs available. I say this with complete confidence because their resources were instrumental in helping me achieve a top score. Though I was initially skeptical about practice tests, Killexams.com changed my perspective. For anyone needing TTA1 preparation materials, look no further.
Where do I register for the TTA1 exam?
I had unique needs when looking for TTA1 exam practice tests, but killexams.com was able to address all of my doubts and concerns. I was able to attend the exam with only one preparation material, and I succeeded with a great score. I am thrilled with my results and truly grateful for the excellent support provided by killexams.com study material.
I found all the TTA1 Questions in practice tests that I saw in the genuine study.
Preparing for the TTA1 exam required effective time management, and killexams.com exam questions resources delivered. Their tutorial guides and practice tests with exam MCQs made the process manageable, ensuring I was well-prepared to pass with confidence.
Did you try this excellent material for TTA1 practice tests?
Passing the TTA1 exam with a 92% score was a rewarding experience, and I owe my success to Killexams.com. Their study materials simplified my preparation, offering well-structured course notes and an effective exam simulator. The guidance notes were particularly helpful in strengthening my confidence, especially in areas like trainer communication and presentation skills. I highly recommend their resources to anyone preparing for this exam.
ASTQB Analyst information hunger
TTA1 Exam
| Question: How long it will take to get my killexams username/password after payment? Answer: Killexams take just 5 to 10 minutes to set up your online obtain account. It is an automatic process and completes in very little time. When you complete your payment, their system starts setting up your account within no time and it takes less than 5 minutes. You will receive an email with your login information immediately after your account is setup. You can then login and obtain your exam files. |
| Question: Can I still pass TTA1 exam if I do not see exact questions in genuine test? Answer: Yes, you will pass your TTA1 exam even if exact TTA1 questions do not appear in your genuine TTA1 test because these Questions Answers will greatly Improve your knowledge about the various courses of the exam and you will be able to answer all the questions asked in TTA1 exam. |
| Question: Did you try these TTA1 real question banks and test prep? Answer: Yes, try these TTA1 Questions Answers because these questions are taken from genuine TTA1 question banks and collected by killexams.com from authentic sources. These TTA1 practice exam are especially supposed to help you pass the exam. |
| Question: Will I receive any intimation from killexams on exam update? Answer: Killexams take just 5 to 10 minutes to set up your online obtain account. It is an automatic process and completes in very little time. When you complete your payment, their system starts setting up your account within no time and it takes less than 5 minutes. You will receive an email with your login information immediately after your account is setup. You can then login and obtain your exam files. |
| Question: Can I practice with VCE on my computer? Answer: Of course, you can Install Killexams exam Simulator on your computer with Windows operating system. You can follow the steps deliver at https://killexams.com/exam-simulator-installation.html to install and open the exam simulator on your computer. The exam simulator is used to practice exam questions and answers. |
https://www.pass4surez.com/art/read.php?keyword=ASTQB+Analyst+information+hunger&lang=us&links=remove
Selecting a reliable source for up-to-date and valid certification exam preparation can be challenging, as candidates often face risks from untrustworthy providers and outdated material. At Killexams, they prioritize delivering high-quality, up-to-date practice tests that uses genuine questions to ensure their clients are well-prepared for their exams. Their commitment to excellence has earned us the trust of countless candidates who have successfully passed their certifications with ease and confidence. They take pride in maintaining their stellar reputation, never compromising on the quality of their resources or the trust their clients place in us. While some competitors may attempt to discredit us with false claims or misleading reports, they encourage you to focus on the experiences of their satisfied customers. Thousands have achieved their certification goals using Killexams’ comprehensive practice tests, PDF question banks, and advanced exam simulators. Visit their platform to explore their sample practice tests and experience their cutting-edge exam simulator firsthand. You’ll see why Killexams is recognized as a leading, legitimate provider of certification preparation resources, dedicated to helping you succeed.
Which is the best practice tests website?
Yes, Killexams is hundred percent legit and even fully reputable. There are several functions that makes killexams.com real and authentic. It provides up to date and hundred percent valid exam questions formulated with real exams questions and answers. Price is surprisingly low as compared to almost all services on internet. The Questions Answers are refreshed on normal basis using most latest questions. Killexams account setup and merchandise delivery is quite fast. Data file downloading will be unlimited and incredibly fast. Assist is avaiable via Livechat and Email address. These are the features that makes killexams.com a strong website that supply exam prep with real exams questions.
Is killexams.com test material dependable?
Many websites claim to provide genuine exam Questions, Braindumps, Practice Test, Study Guides, and cheat sheets, but most of them are simple re-sellers offering outdated content. Killexams.com stands out in 2025 as the leading platform that truly understands the challenges candidates face when wasting time on obsolete materials from free PDF sites or reseller sources. That is why Killexams.com regularly updates its MCQs to match the latest Real exam Questions. Every question in the Killexams.com MCQs is reliable, verified, and kept up-to-date by certified professionals who monitor daily exam updates.
If you want to pass your exam quickly while also improving your knowledge of the latest syllabus topics, they strongly recommend downloading the PDF MCQs, exam Questions and practice exam from Killexams.com. Preparing with these resources ensures that you are ready for the genuine exam. When you upgrade to the Premium Version, simply register at Killexams.com — you will receive your Username and Password within 5 to 10 minutes by email. All future updates to MCQs are automatically included in your account, and you can obtain the updated files as many times as needed without restrictions.
To make your preparation even more effective, Killexams.com provides Test Engine Software. This tool allows you to practice with Real exam Questions, track your progress, and take unlimited practice tests. The more you practice, the faster and more confident you become. Once you consistently achieve 100% marks with the complete pool of updated questions, you will be fully prepared to take the genuine exam at the Exam Center and achieve success.
GAFM-CVA mock exam | DSST-HRM free pdf | AAFM-CPM free study guide | CRRN practice questions | GAFM-CRMA dumps questions | PMHCNS-BC exam braindumps | CMCN free practice exam | T7 pdf questions | 4A0-205 latest pdf | ASPEX-PA mock exam | D-CSF-SC-23 test engine | C1000-150 exam training | 5V0-31.22 mock test | NBCC-NCC PDF obtain | ONCC-CPHON practice exam | S2000-001 exam results | ANVE mock questions | RNAS-C free online test | PCIPv4-0 online coaching | GAFM-CES practice exam |
TTA1 - ISTQB-BCS Certified Tester Advanced Level- Technical Test Analyst Practice Questions
TTA1 - ISTQB-BCS Certified Tester Advanced Level- Technical Test Analyst Premium PDF
TTA1 - ISTQB-BCS Certified Tester Advanced Level- Technical Test Analyst study help
TTA1 - ISTQB-BCS Certified Tester Advanced Level- Technical Test Analyst study tips
TTA1 - ISTQB-BCS Certified Tester Advanced Level- Technical Test Analyst Question Bank
TTA1 - ISTQB-BCS Certified Tester Advanced Level- Technical Test Analyst Free exam PDF
TTA1 - ISTQB-BCS Certified Tester Advanced Level- Technical Test Analyst book
TTA1 - ISTQB-BCS Certified Tester Advanced Level- Technical Test Analyst test
TTA1 - ISTQB-BCS Certified Tester Advanced Level- Technical Test Analyst Premium PDF
TTA1 - ISTQB-BCS Certified Tester Advanced Level- Technical Test Analyst PDF Download
TTA1 - ISTQB-BCS Certified Tester Advanced Level- Technical Test Analyst certification
TTA1 - ISTQB-BCS Certified Tester Advanced Level- Technical Test Analyst test questions
TTA1 - ISTQB-BCS Certified Tester Advanced Level- Technical Test Analyst real questions
TTA1 - ISTQB-BCS Certified Tester Advanced Level- Technical Test Analyst exam Questions
TTA1 - ISTQB-BCS Certified Tester Advanced Level- Technical Test Analyst study tips
TTA1 - ISTQB-BCS Certified Tester Advanced Level- Technical Test Analyst Free exam PDF
TTA1 - ISTQB-BCS Certified Tester Advanced Level- Technical Test Analyst Real exam Questions
TTA1 - ISTQB-BCS Certified Tester Advanced Level- Technical Test Analyst premium pdf
TTA1 - ISTQB-BCS Certified Tester Advanced Level- Technical Test Analyst Latest Topics
TTA1 - ISTQB-BCS Certified Tester Advanced Level- Technical Test Analyst outline
TTA1 - ISTQB-BCS Certified Tester Advanced Level- Technical Test Analyst Premium PDF
TTA1 - ISTQB-BCS Certified Tester Advanced Level- Technical Test Analyst test
TTA1 - ISTQB-BCS Certified Tester Advanced Level- Technical Test Analyst information source
TTA1 - ISTQB-BCS Certified Tester Advanced Level- Technical Test Analyst exam help
TTA1 - ISTQB-BCS Certified Tester Advanced Level- Technical Test Analyst exam questions
TTA1 - ISTQB-BCS Certified Tester Advanced Level- Technical Test Analyst answers
TTA1 - ISTQB-BCS Certified Tester Advanced Level- Technical Test Analyst exam syllabus
TTA1 - ISTQB-BCS Certified Tester Advanced Level- Technical Test Analyst learn
TTA1 - ISTQB-BCS Certified Tester Advanced Level- Technical Test Analyst Real exam Questions
TTA1 - ISTQB-BCS Certified Tester Advanced Level- Technical Test Analyst test prep
TTA1 - ISTQB-BCS Certified Tester Advanced Level- Technical Test Analyst Questions and Answers
TTA1 - ISTQB-BCS Certified Tester Advanced Level- Technical Test Analyst outline
TTA1 - ISTQB-BCS Certified Tester Advanced Level- Technical Test Analyst exam questions
TTA1 - ISTQB-BCS Certified Tester Advanced Level- Technical Test Analyst information hunger
TTA1 - ISTQB-BCS Certified Tester Advanced Level- Technical Test Analyst course outline
TTA1 - ISTQB-BCS Certified Tester Advanced Level- Technical Test Analyst PDF questions
TTA1 - ISTQB-BCS Certified Tester Advanced Level- Technical Test Analyst tricks
TTA1 - ISTQB-BCS Certified Tester Advanced Level- Technical Test Analyst learning
TTA1 - ISTQB-BCS Certified Tester Advanced Level- Technical Test Analyst Free PDF
TTA1 - ISTQB-BCS Certified Tester Advanced Level- Technical Test Analyst information source
TTA1 - ISTQB-BCS Certified Tester Advanced Level- Technical Test Analyst study help
TTA1 - ISTQB-BCS Certified Tester Advanced Level- Technical Test Analyst exam syllabus
TTA1 - ISTQB-BCS Certified Tester Advanced Level- Technical Test Analyst Latest Questions
TTA1 - ISTQB-BCS Certified Tester Advanced Level- Technical Test Analyst information hunger
Other ASTQB MCQs and Practice Test
TA12 exam cram | ASTQB-CMT pdf download | TTA1 mock questions |
Best MCQs and practice exam You Ever Experienced
GPTS PDF Download | DipBSL622 free dumps | HPE7-A01 test prep questions | Scrum-PSM-II real questions | CTFL-001 test prep | GAFM-CDBG questions and answers | SPLK-3001 Study Guide | HANCB-ACRN exam training | APRP assessment test | DEX-403 pass exam | CMSRN mock test | ECDL-ADVANCED practice questions | GRE-Verbal dumps download | GAFM-ChIA online exam | OGBA-101 testprep | Salesforce-Public-Sector-Solutions-Accredited-Professional Latest Topics | Salesforce-Certified-Marketing-Cloud-Consultant free pdf | GAFM-CTEP Latest Questions | GAFM-CPD pass marks | CMQ-OE exam Questions |
References :
https://www.instapaper.com/read/1317024043
https://killexams-posting.dropmark.com/817438/23697214
https://killexams-posting.dropmark.com/817438/23738363
https://arfansaleemfan.blogspot.com/2020/08/tta1-istqb-bcs-certified-tester.html
https://youtu.be/SQL1XdPxJO0
https://sites.google.com/view/killexams-tta1-dumps
https://www.coursehero.com/file/84058304/ISTQB-BCS-Certified-Tester-Advanced-Level-Technical-Test-Analyst-TTA1pdf/
https://files.fm/f/6nbb2gb5d
http://feeds.feedburner.com/WhereWouldIBeAbleToInspireHelpToPassTta1Exam
Similar Websites :
Pass4sure Certification exam Practice Tests
Pass4Sure Certification Question Bank
TTA1 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 TTA1 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

