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 VCS-260?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der VCS-260: Administration of Veritas InfoScale Availability 7.3 for UNIX/Linux Prüfung.

2024 Updated Actual VCS-260 questions as experienced in Test Center

Aktuelle VCS-260 Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz

VCS-260 Dumps - Administration of Veritas InfoScale Availability 7.3 for UNIX/Linux | https://www.easyfinanz.cc/

Veritas VCS-260 : Administration of Veritas InfoScale Availability 7.3 for UNIX/Linux ACTUAL EXAM QUESTIONS

Exam Dumps Organized by Richard



Latest 2024 Updated Veritas Administration of Veritas InfoScale Availability 7.3 for UNIX/Linux Syllabus
VCS-260 ACTUAL EXAM QUESTIONS / Braindumps contains real test Questions

Practice Tests and Free VCE Software - Questions Updated on Daily Basis
Big Discount / Cheapest price & 100% Pass Guarantee




VCS-260 Exam Center Questions : Download 100% Free VCS-260 ACTUAL EXAM QUESTIONS (PDF and VCE)

Exam Number : VCS-260
Exam Name : Administration of Veritas InfoScale Availability 7.3 for UNIX/Linux
Vendor Name : Veritas
Update : Click Here to Check Latest Update
Question Bank : Check Questions

Memorize and practice these VCS-260 Free PDF before you go to attempt real exam.
We advise against wasting your valuable time on outdated and irrelevant free VCS-260 materials available online. Instead, visit killexams.com to obtain 100% free PDF Braindumps to evaluate their quality before purchasing the complete VCS-260 dumps questions containing genuine test questions and a VCE practice test. Read, practice, and pass with no wasted time or money.

If you are in urgent need of passing the Veritas VCS-260 test to find a job or advance your position within an organization, Killexams.com is the place to enlist. Killexams.com has a team of experts who gather genuine VCS-260 test questions to ensure that you breeze through the Administration of Veritas InfoScale Availability 7.3 for UNIX/Linux test. You can obtain up-to-date VCS-260 test questions every time you log in to your account. While there are many organizations that offer VCS-260 Exam dumps, finding valid and latest 2024 VCS-260 real questions can be a major challenge. Relying solely on Free Dumps provided online may lead to failure in the test. Therefore, investing a small amount of money in Killexams VCS-260 real issues is smarter than wasting huge test charges.

Passing the Administration of Veritas InfoScale Availability 7.3 for UNIX/Linux test is easy if you have a clear understanding of the VCS-260 syllabus and practice with the latest 2024 updated question bank. practicing and practicing real issues is better for quick success. You need to tackle tricky questions asked in the genuine VCS-260 test. To achieve this, visit Killexams.com and obtain free VCS-260 PDF Dumps test questions to read. If you feel confident with these VCS-260 questions, enroll to obtain the real questions of VCS-260 PDF Dumps. This will be your first step towards incredible advancement. obtain and install the VCE test system on your computer. Read and memorize VCS-260 PDF Dumps and take practice tests as often as possible with VCE test system. When you feel that you have retained all the questions in the Administration of Veritas InfoScale Availability 7.3 for UNIX/Linux question bank, go to the Exam Center and register for the real test.

Killexams.com provides the latest, valid, and 2024 up-to-date Veritas VCS-260 PDF Dumps that are the best to pass the Administration of Veritas InfoScale Availability 7.3 for UNIX/Linux exam. It is best to help you upskill as an expert in your organization. Killexams.com has a reputation for helping individuals pass the VCS-260 test on their first attempt. Their Exam dumps has remained at the top for the past four years. Customers trust their VCS-260 PDF Dumps and VCE for their genuine VCS-260 test. Killexams.com is the most credible source of genuine VCS-260 test questions. They keep their VCS-260 PDF Dumps valid and 2024 up-to-date continually.







VCS-260 test Format | VCS-260 Course Contents | VCS-260 Course Outline | VCS-260 test Syllabus | VCS-260 test Objectives


Exam Detail:
The VCS-260 Administration of Veritas InfoScale Availability 7.3 for UNIX/Linux test is designed to validate the skills and knowledge of professionals in administering Veritas InfoScale Availability in UNIX/Linux environments. Here are the test details for the VCS-260 exam:

- Number of Questions: The test consists of multiple-choice questions. The exact number of questions may vary, but it is typically around 80-90 questions.

- Time Limit: The time allotted to complete the test is 105 minutes.

Course Outline:
The VCS-260 certification program covers a comprehensive range of courses related to administering Veritas InfoScale Availability. The course outline typically includes the following areas:

1. InfoScale Availability Overview:
- Introduction to InfoScale Availability features and functionality.
- Understanding high availability concepts and architectures.

2. Veritas Cluster Server (VCS) Configuration:
- Installing and configuring Veritas Cluster Server.
- Managing cluster membership and communication.
- Configuring cluster resources and resource groups.

3. Cluster Management:
- Monitoring cluster resources and services.
- Managing cluster configurations and events.
- Implementing cluster quorum and fencing.

4. Cluster Configuration and Applications:
- Configuring service group dependencies and policies.
- Managing application-specific agents.
- Implementing application monitoring and fault detection.

5. Cluster Storage Management:
- Configuring cluster storage and disk groups.
- Managing shared storage and data replication.
- Implementing cluster file systems and volume management.

6. Cluster Networking:
- Configuring cluster network interfaces and communication.
- Managing network addressing and routing.
- Implementing network load balancing.

Exam Objectives:
The objectives of the VCS-260 test are as follows:

- Evaluating candidates' understanding of Veritas InfoScale Availability features and concepts.
- Assessing candidates' ability to configure and manage Veritas Cluster Server (VCS) environments.
- Testing candidates' proficiency in administering cluster resources, applications, and storage.
- Assessing candidates' knowledge of cluster networking and communication.

Exam Syllabus:
The specific test syllabus for the VCS-260 test covers the following topics:

1. InfoScale Availability Overview:
- High availability concepts and architectures.
- Veritas InfoScale Availability features and functionality.

2. Veritas Cluster Server (VCS) Configuration:
- VCS installation and configuration.
- Cluster membership and communication.
- Cluster resources and resource groups.

3. Cluster Management:
- Monitoring cluster resources and services.
- Managing cluster configurations and events.
- Cluster quorum and fencing.

4. Cluster Configuration and Applications:
- Service group dependencies and policies.
- Application-specific agents.
- Application monitoring and fault detection.

5. Cluster Storage Management:
- Cluster storage and disk group configuration.
- Shared storage and data replication.
- Cluster file systems and volume management.

6. Cluster Networking:
- Cluster network interfaces and communication.
- Network addressing and routing.
- Network load balancing.



Killexams Review | Reputation | Testimonials | Feedback


Need some thing speedy preparing for VCS-260 test.
I have been using killexams.com's reliable IT test materials for years, and VCS-260 was no exception. I passed using killexams.com's Questions Answers and test simulator, and everything people say about them is true. The questions are valid, and the braindump is very reliable. I have heard only good things about their customer support, and I never had any issues that would require me to contact them. Top-notch service.


I felt no difficulty! 24 hours prep VCS-260 real test questions is sufficient.
With the help of killexams.com's notes, I passed the VCS-260 test with a remarkable score of 92%. The brain notes and practice exams were tremendously helpful, and I was able to pass with ease. I particularly appreciate how nicely the material was presented, especially for subjects like Instructor Communication and Presentation Skills.


These VCS-260 real test questions work great in the real exam.
I consider killexams.com my captain or pilot, as their guidance steered me in the right direction before my VCS-260 exam. I followed their directions and guidance, which led me to success. Passing the VCS-260 test was a moment of glory, and I will forever remain obliged to this online study center.


Simply strive these real test questions and success is yours.
The braindump and test simulator provided by killexams.com helped me obtain my VCS-260 certification. The material is useful and the simulator is excellent. The test itself was challenging, but I am glad I chose killexams.com. Their packages cover everything you need to know, and there were no unpleasant surprises during the exam.


Do you need real test qustions of VCS-260 exam?
For those of you who are short on time and cannot memorize, don't worry. I was in a similar situation, but I found an easy solution with killexams. Their Questions Answers were very helpful and allowed me to grasp the concepts and memorize the difficult parts. The questions were identical to the guide, and I was able to score well. Thanks to killexams for their useful material.


Veritas of Test Prep

 

Teachers Test Prep Partnership

ECP RD - 760x285 BT roundtable 1

Santa Clara University's Center for Professional Development is committed to providing their students with an exceptional level of support, and they understand that passing certification exams is a crucial step in the path to becoming a teacher. That’s why we’re pleased to partner with Teachers Test Prep, the nationwide leader in credentialing test preparation, to provide their eligible students with Core Plus Online Prep for the Praxis, CSET, CBEST, RICA, and CPACE, at a 40% discount off of the regular test prep materials price.

To get started, please contact cpd@scu.edu to request that an account be created on your behalf, so that you may utilize free practice tests and diagnostics to determine if you are in need of prep. Once you complete your free practice test, you will receive an instant diagnostic breakdown. If your likelihood of passing is borderline or below, they will purchase the corresponding online prep program for you at a discounted price.

PLEASE NOTE: If you do not contact us and instead purchase prep directly on your own, they are unable to reimburse for costs.

To learn more about the prep resources available and to see general info about the exams, visit the Praxis, CSET, CBEST, RICA, and CPACE test info pages on the Teachers Test Prep website.

If you have questions or are interested in purchasing a test prep package, please contact cpd@scu.edu.


What the GRE Test Is and How to Prepare

No result found, try new keyword!be all set,'" says Dennis Yim, director of live online courses with Kaplan, the education and test prep company. "This test is not like that. ... The main thing students need to know is that it's ...

Best MCAT Prep Courses

MCAT Self Prep offers a wide range of different MCAT prep course options, and students can tailor their study plans to their specific learning needs. 

Picky about how you study? Head over to MCAT Self Prep and completely customize your MCAT prep course to maximize your time and effort.

Not only does MCAT Self Prep offer a completely free MCAT prep course as well as a fully customizable option, but its range of prebuilt paid courses starts at $29.99 and covers the same content you would expect to see in a Kaplan or Princeton Review MCAT prep course. 

Of course, you can’t expect the same level of instruction for free or for $9.99—that is, there’s no one-on-one tutoring or in-person lessons. But the free course alone includes 10 study modules, a video library, study tips, MCAT questions of the day, a Meta study group, and 24/7 messaging support. 

If you’re a self-starter and a disciplined student, the free MCAT Self Prep course could skyrocket your score. If you need a bit more structure, consider Self Prep’s Basic Pro ($19.99), Advanced Pro ($199.99), or Deluxe Pro ($1,399.99) courses. These are all one-time payments, and the content becomes more comprehensive and you get more perks as the prices increase.

You can also completely customize your study plan with MCAT Self Prep. You’ll start with a diagnostic test to determine your current knowledge and test-taking skills. Then, you’ll set goals, determine action items, establish a timeline, track your progress, and, finally, take the MCAT. 

MCAT Self Prep also offers one-on-one tutoring for an additional cost of $149, $249, or $399 per session depending on the tutor’s level of experience and knowledge. Finally, with MCAT Self Prep, you can also opt to purchase flashcard sets or focused subject matter courses called Mastery Courses. 

Ultimately, MCAT Self Prep provides students with a way to pay for everything they need, but nothing they don’t.


 


Whilst it is very hard task to choose reliable test Questions Answers resources regarding review, reputation and validity because people get ripoff due to choosing incorrect service. Killexams make it sure to provide its clients far better to their resources with respect to ACTUAL EXAM QUESTIONS update and validity. Most of other peoples ripoff report complaint clients come to us for the brain dumps and pass their exams enjoyably and easily. They never compromise on their review, reputation and quality because killexams review, killexams reputation and killexams client self confidence is important to all of us. Specially they manage killexams.com review, killexams.com reputation, killexams.com ripoff report complaint, killexams.com trust, killexams.com validity, killexams.com report and killexams scam. If perhaps you see any bogus report posted by their competitor with the name killexams ripoff report complaint internet, killexams.com ripoff report, killexams.com scam, killexams.com complaint or something like this, just keep in mind that there are always bad people damaging reputation of good services due to their benefits. There are a large number of satisfied customers that pass their exams using killexams.com brain dumps, killexams PDF questions, killexams practice questions, killexams test simulator. Visit their test questions and sample brain dumps, their test simulator and you will definitely know that killexams.com is the best brain dumps site.

Which is the best dumps website?
Yes, Killexams is totally legit and fully well-performing. There are several attributes that makes killexams.com reliable and genuine. It provides up to par and totally valid ACTUAL EXAM QUESTIONS comprising real exams questions and answers. Price is surprisingly low as compared to almost all the services online. The Questions Answers are refreshed on typical basis having most latest brain dumps. Killexams account launched and solution delivery is extremely fast. Record downloading is unlimited and extremely fast. Guidance is avaiable via Livechat and Email. These are the characteristics that makes killexams.com a robust website that come with ACTUAL EXAM QUESTIONS with real exams questions.



Is killexams.com test material dependable?
There are several Questions Answers 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 2024 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 Questions Answers with the same frequency as they are updated in Real Test. ACTUAL EXAM QUESTIONS provided by killexams.com are Reliable, Up-to-date and validated by Certified Professionals. They maintain dumps questions 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 Questions Answers will be provided in your obtain Account. You can obtain Premium ACTUAL EXAM QUESTIONS 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 Exam Center and Enjoy your Success.




DVA-C01 dumps questions | DES-1B21 test papers | HCISPP examcollection | MCD-Level-2 practice test | HIO-201 pass marks | HPE0-J69 practice test | 922-080 Questions Answers | 920-270 Free PDF | CWAP-403 cheat sheet pdf | 1T6-521 ACTUAL EXAM QUESTIONS | 3X0-103 practice test | 700-760 practice test | PCCSE test prep | PB0-200 practice questions | SPLK-2001 study guide | SOFQ mock test | IAPP-CIPT braindumps | Google-IQ brain dumps | 300-430 sample questions | CCC cheat sheet |


VCS-260 - Administration of Veritas InfoScale Availability 7.3 for UNIX/Linux Real test Questions
VCS-260 - Administration of Veritas InfoScale Availability 7.3 for UNIX/Linux study help
VCS-260 - Administration of Veritas InfoScale Availability 7.3 for UNIX/Linux learn
VCS-260 - Administration of Veritas InfoScale Availability 7.3 for UNIX/Linux ACTUAL EXAM QUESTIONS
VCS-260 - Administration of Veritas InfoScale Availability 7.3 for UNIX/Linux ACTUAL EXAM QUESTIONS
VCS-260 - Administration of Veritas InfoScale Availability 7.3 for UNIX/Linux test Questions
VCS-260 - Administration of Veritas InfoScale Availability 7.3 for UNIX/Linux education
VCS-260 - Administration of Veritas InfoScale Availability 7.3 for UNIX/Linux PDF Questions
VCS-260 - Administration of Veritas InfoScale Availability 7.3 for UNIX/Linux Latest Questions
VCS-260 - Administration of Veritas InfoScale Availability 7.3 for UNIX/Linux test Questions
VCS-260 - Administration of Veritas InfoScale Availability 7.3 for UNIX/Linux certification
VCS-260 - Administration of Veritas InfoScale Availability 7.3 for UNIX/Linux information hunger
VCS-260 - Administration of Veritas InfoScale Availability 7.3 for UNIX/Linux test syllabus
VCS-260 - Administration of Veritas InfoScale Availability 7.3 for UNIX/Linux syllabus
VCS-260 - Administration of Veritas InfoScale Availability 7.3 for UNIX/Linux Real test Questions
VCS-260 - Administration of Veritas InfoScale Availability 7.3 for UNIX/Linux outline
VCS-260 - Administration of Veritas InfoScale Availability 7.3 for UNIX/Linux Questions and Answers
VCS-260 - Administration of Veritas InfoScale Availability 7.3 for UNIX/Linux test Questions
VCS-260 - Administration of Veritas InfoScale Availability 7.3 for UNIX/Linux techniques
VCS-260 - Administration of Veritas InfoScale Availability 7.3 for UNIX/Linux Real test Questions
VCS-260 - Administration of Veritas InfoScale Availability 7.3 for UNIX/Linux Study Guide
VCS-260 - Administration of Veritas InfoScale Availability 7.3 for UNIX/Linux test syllabus
VCS-260 - Administration of Veritas InfoScale Availability 7.3 for UNIX/Linux ACTUAL EXAM QUESTIONS
VCS-260 - Administration of Veritas InfoScale Availability 7.3 for UNIX/Linux Study Guide
VCS-260 - Administration of Veritas InfoScale Availability 7.3 for UNIX/Linux braindumps
VCS-260 - Administration of Veritas InfoScale Availability 7.3 for UNIX/Linux PDF Download
VCS-260 - Administration of Veritas InfoScale Availability 7.3 for UNIX/Linux course outline
VCS-260 - Administration of Veritas InfoScale Availability 7.3 for UNIX/Linux PDF Braindumps
VCS-260 - Administration of Veritas InfoScale Availability 7.3 for UNIX/Linux test Questions
VCS-260 - Administration of Veritas InfoScale Availability 7.3 for UNIX/Linux test success
VCS-260 - Administration of Veritas InfoScale Availability 7.3 for UNIX/Linux study help
VCS-260 - Administration of Veritas InfoScale Availability 7.3 for UNIX/Linux real questions
VCS-260 - Administration of Veritas InfoScale Availability 7.3 for UNIX/Linux answers
VCS-260 - Administration of Veritas InfoScale Availability 7.3 for UNIX/Linux testing
VCS-260 - Administration of Veritas InfoScale Availability 7.3 for UNIX/Linux information source
VCS-260 - Administration of Veritas InfoScale Availability 7.3 for UNIX/Linux test syllabus
VCS-260 - Administration of Veritas InfoScale Availability 7.3 for UNIX/Linux test
VCS-260 - Administration of Veritas InfoScale Availability 7.3 for UNIX/Linux tricks
VCS-260 - Administration of Veritas InfoScale Availability 7.3 for UNIX/Linux answers
VCS-260 - Administration of Veritas InfoScale Availability 7.3 for UNIX/Linux test success
VCS-260 - Administration of Veritas InfoScale Availability 7.3 for UNIX/Linux PDF Download
VCS-260 - Administration of Veritas InfoScale Availability 7.3 for UNIX/Linux ACTUAL EXAM QUESTIONS
VCS-260 - Administration of Veritas InfoScale Availability 7.3 for UNIX/Linux real Questions
VCS-260 - Administration of Veritas InfoScale Availability 7.3 for UNIX/Linux real Questions

Other Veritas ACTUAL EXAM QUESTIONS


VCS-261 VCE | VCS-285 prep questions | VCS-260 braindumps | VCS-324 test questions | VCS-257 PDF Questions | VCS-325 writing test questions | VCS-278 test Questions | VCS-413 online exam |


Best ACTUAL EXAM QUESTIONS You Ever Experienced


Podiatry-License-Exam-Part-III Test Prep | FSOT real questions | ANP-BC free pdf | 1T6-510 test questions | MD-102 practice questions | JN0-664 practical test | PC-BA-FBA-20 test Questions | Adwords-Search free test papers | ICBB test prep | ISTQB-Advanced-Level-2 sample test questions | GE0-803 practice exam | ISEB-PM1 Cheatsheet | 020-222 test Cram | PL-100 cheat sheet | Marketing-Cloud-Consultant braindumps | 200-500 questions and answers | 4H0-100 model question | MB-300 ACTUAL EXAM QUESTIONS | 31860X certification sample | 100-490 test sample |





References :





Similar Websites :
Pass4sure Certification ACTUAL EXAM QUESTIONS
Pass4Sure test Questions and Dumps






Direct Download

VCS-260 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.

VCS-260 Reviews

100% Valid and Up to Date VCS-260 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