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 WPT-R?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der WPT-R: Wonderlic Personnel Test Prüfung.

2023 Updated Actual WPT-R questions as experienced in Test Center

Aktuelle WPT-R Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz

WPT-R real questions - Wonderlic Personnel Test | https://www.easyfinanz.cc/

Wonderlic WPT-R : Wonderlic Personnel Test ACTUAL EXAM QUESTIONS

Exam Dumps Organized by Martha nods



Latest 2023 Updated Wonderlic Wonderlic Personnel Test Syllabus
WPT-R 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




WPT-R Test Center Questions : Download 100% Free WPT-R ACTUAL EXAM QUESTIONS (PDF and VCE)

Exam Number : WPT-R
Exam Name : Wonderlic Personnel Test
Vendor Name : Wonderlic
Update : Click Here to Check Latest Update
Question Bank : Check Questions

Pass WPT-R test with 100 percent marks with these Latest Topics
Are you searching for Wonderlic WPT-R Study Guide of real questions for the Wonderlic Personnel Test test prep? They offer valid, latest, and quality WPT-R Questions and Answers. The details are at https://killexams.com/killexams/exam-detail/WPT-R. They have compiled a database of WPT-R Questions and Answers from real exams to let you memorize and pass WPT-R test on the first attempt. Just memorize their Dumps and relax. You will pass the WPT-R exam.

There are numerous providers of Question Bank available on the internet, but most of them offer outdated WPT-R PDF Braindumps. To find a reliable and trustworthy source of WPT-R Questions and Answers, you need to conduct proper research. However, it's crucial to ensure that your research doesn't turn out to be a waste of time and money. To evaluate the quality of their WPT-R Question Bank, download their 100% free sample WPT-R questions, and register to access the latest and valid WPT-R PDF Braindumps that includes real test questions and answers. Don't forget to get your Great Discount Coupons and also take advantage of their WPT-R VCE test simulator for your preparation.

At killexams.com, they offer the Latest, Valid, and Up-to-date Wonderlic Wonderlic Personnel Test dumps, which are essential to pass the WPT-R test. Enhancing your expertise as an expert within your organization is a prerequisite. Their ultimate goal is to assist individuals in passing the WPT-R test in their first attempt. Their WPT-R PDF Braindumps remains at the top constantly, thanks to their Study Guide and VCE, which are trusted by their clients who take the real WPT-R test. killexams.com is the most credible source of real WPT-R test questions. They ensure that their WPT-R Questions and Answers is always updated and valid. These Wonderlic Personnel Test ACTUAL EXAM QUESTIONS will undoubtedly help you pass the test with good grades.







WPT-R test Format | WPT-R Course Contents | WPT-R Course Outline | WPT-R test Syllabus | WPT-R test Objectives


The full version of the Wonderlic Personnel test is a timed 12-minute test made up of 50 questions.

Youll take this test on-site and under supervision. In some cases youll have already taken the WPT-Q to qualify yourself for the interview.

Your results on the Wonderlic Personnel Test (WPT-R) will be compared to other candidates results during the interview process and can be the deciding factor in the hiring decision.

As with the quicktest, the average test-taker answers less than 50% of the questions correctly (the average score is about 21) and only a small fraction of people even finish all 50 questions.

Instead, there are a series of different Wonderlic tests. The most common one is the Wonderlic Personnel Test, which is also called the Wonderlic Cognitive Ability test. When you hear someone talk generally about “The Wonderlic Test” (and that probably happens most during NFL draft season), this is the test theyre talking about.



Math

Averages

Algebraic Word Problems

Decimals

Percentages

Ratios & Rates

Logic

Spatial Reasoning

Deductive Reasoning

3D Shapes

Pattern Recognition

Verbal Reasoning

Proverbs

Finding Exceptions

Sentence ordering

Analogies

Vocabulary

General Knowledge

Finding errors/duplicates

Date recognition

Decimal number ordering

Graphs and data plotting

Vocabulary




Killexams Review | Reputation | Testimonials | Feedback


What study guide do I want to put together to pass WPT-R exam?
After I decided to take the WPT-R exam, killexams.com provided me with amazing support. They offered valid and reliable practice classes for WPT-R test preparation. Additionally, they allowed me to test myself before feeling confident about appearing for the exam, which was very helpful. Thanks to killexams, I was best equipped for the test and scored nicely.


WPT-R test prep some distance easy with these dumps.
Passing the WPT-R test was not an easy task as there were many difficult syllabus to cover. However, using killexams.com as a study guide helped boost my confidence in passing the exam. Despite the twisted questions, the answers provided by killexams.com were helpful in marking the right answers.


Am i able to obtain contact data of WPT-R certified?
killexams.com has become an essential resource in my life, especially because of the test dump I used through their help. I passed the WPT-R test thanks to the excellent analyzing material provided by killexams.com. Passing this test is not easy, but with the right study material, it is achievable. I am immensely grateful for the access to such great material.


It is great to read WPT-R test with real test questions.
If you are looking for authentic and affordable help for your Wonderlic certification, look no further than killexams.com. The study questions provided by this website were extremely helpful, and I was able to score well in my exam.


What is pass rate of updated WPT-R exam?
I was ranked very low among my classmates until I registered for exams assistance with killexams.com. The high-ranking analyzing application in killexams.com helped me join the high ranks alongside other incredible students of my class. The sources provided by killexams.com are specific and extremely beneficial for practicing WPT-R, WPT-R dumps, and WPT-R books. I am grateful for their help, and killexams.com deserves my appreciation.


Wonderlic Test ACTUAL EXAM QUESTIONS

 

So, how do you score?

See how you score on some examples from a Wonderlic IQ test.

Set your clock for five minutes, don't peek at the answers, and ... oh, yeah, run the 40 and provide us some bench-presses first, would ya?

The Wonderlic Personnel Test ™WPT ™ sample Questions

1. Look at the row of numbers below. What number should come next?

2. Assume the first two statements are true. Is the final one:

1. true, 2. false, 3. not certain? The boy plays baseball. All baseball players wear hats. The boy wears a hat.

3. Paper sells for 21 cents per pad. What will four pads cost?

4. How many of the five pairs of items listed below are exact duplicates?

Nieman, K.M. Neiman, K.M. Thomas, G.K. Thomas, C.K. Hoff, J.P. Hoff, J.P. Pino, L.R. Pina, L.R. Warner, T.S. Wanner, T.S.

5. RESENT RESERVE • Do these words1. have similar meanings, 2. have contradictory meanings, 3. mean neither the same nor opposite?

6. One of the numbered figures in the following drawing is most different from the others. What is the number in that figure? 7. A train travels 20 feet in 1/5 second. At this same speed, how many feet will it travel in three seconds?

8. When rope is selling at $.10 a foot, how many feet can you buy for sixty cents?

9. The ninth month of the year is

1. October, 2. January, 3. June, 4. September, 5 May.

10. Which number in the following group of numbers represents the smallest amount?

11. In printing an article of 48,000 words, a printer decides to use two sizes of type. Using the larger type, a printed page contains 1,800 words. Using smaller type, a page contains 2,400 words. The article is allotted 21 full pages in a magazine. How many pages must be in smaller type?

12. The hours of daylight and darkness in SEPTEMBER are nearest equal to the hours of daylight and darkness in:

1. June, 2. March, 3. May, 4. November.

13. Three individuals form a partnership and agree to divide the profits equally. X invests $9,000, Y invests $7,000, Z invests $4,000. If the profits are $4,800, how much less does X receive than if the profits were divided in proportion to the amount invested?

14. Assume the first two statements are true. Is the final one:

1. true, 2. false, 3. not certain? Tom greeted Beth. Beth greeted Dawn. Tom did not greet Dawn.

15. A boy is 17 years old and his sister is twice as old. When the boy is 23 years old, what will be the age of his sister?

These are sample test questions and are intended for demonstration purposes only. The Wonderlic Personnel Test is published by Wonderlic, Inc.

Answers1. 1/82. true3. 84 cents4. 15. 36. 47. 300 feet8. 6 feet9. September10. .3311. 1712. March13. $56014. not certain15. 40 years old

"Closer Look" will be a regular Page 2 feature, exploring a hot sports syllabu in greater detail.


Best Series test Prep Courses

 Securities Training Corporation

The combination of a high-quality study package for every need and budget, a responsive instructor hotline, and a money-back guarantee makes Securities Training Corporation their choice as the best overall test prep provider.

Securities Training Corporation (STC) was one of the first companies to offer test prep courses back when securities exams were first introduced in 1969. Since then, it has strived to be the industry leader. By adding a money-back guarantee to its offering of high-quality study packages, along with responsive instructor support, STC makes their list as the best overall test prep provider.

Starting at $323.95, STC's base study package, SIE/Series 7 Top-Off Standard, is as fully loaded as some other providers' premium packages. The enrollment, valid for six months, includes both online and printed study manuals, access to an instructor hotline, 24/7 tech support, and final exams. It also features Crunch Time Facts, which summarize the study manual's "must-know" facts by chapter.

With the next package tier, the $485.93 SIE/Series 7 Top-Off Premiere, students can add on-demand lectures and online flash cards. The flash cards, which can be organized by course, chapter, or FINRA test sections, allow students to test their knowledge and focus on areas of weakness. This package also comes with the pass guarantee and additional exams.

Finally, for $559.08, students can add live virtual or in-person classes with the SIE/Series 7 Top-Off Premier Plus package. The package also includes weekly instructor-led question-and-answer sessions.

STC boasts a self-published 95% pass rate. Between a high pass rate and its money-back guarantee, STC's test prep course offers students a great return on investment.


Math Placement test Proctoring

Proctoring Options

The University of Wyoming uses ALEKS PPL for their Math Placement test and requires these exams to be proctored. A student may come to one of the on-campus proctoring sessions at no cost or they may use the online proctoring system, Honorlock, that is integrated into ALEKS for a cost of $10 plus tax per test attempt. On-campus proctoring is only available at certain times and locations, while Honorlock proctoring is available 24/7. Please see detailed information about each option below. 

Honorlock Proctoring

Cost - $10 plus tax for each test attempt, via debit/credit card.  Payment will be requested when you log in to take the exam.

Honorlock is the remote proctoring system for ALEKS PPL.  You can take the test anywhere you have an appropriate testing space, hardware, and good internet connection, and anytime 24/7 with no scheduling required. 

Using Honorlock proctoring requires you to use a Google Chrome browser, download the Honorlock extension.

To be counted as a proctored session you MUST follow all applicable Honorlock guidelines.  Honorlock will not tell you that you are violating a guideline while you are taking the exam.  If one of the guidelines is found violated in the review of your test your score will not be loaded [and you may need to retake the test in person].

Step-By-Step for using Honorlock
  • Using Google Chrome, install the Honorlock Chrome Extension (honorlock.com/aleks?v=uwyo).

  • With the extension installed, navigate to your ALEKS placement test and follow the proctoring instructions that appear on-screen. If you are not sure how to navigate to the test see the Math Placement Access and Instructions page.

  • Troubleshooting with Honorlock

    FAQ: If Honorlock has launched and told you that you are ok to take the test and you see a submit password screen, just hit submit even though the field is empty. Honorlock is supposed to automatically submit the password for you but there is a glitch for some students where they must manually hit “submit”.

    If you are having a different issue, you may utilize the utilize the 24/7 Honorlock Support or visit the Math Placement test Troubleshooting page for help.

    On-campus Proctoring

    Cost - Free!

    No registration necessary, just show up on at the test location on the day and time of a session.

    Fall and Spring Semester they will have established proctoring dates. They will usually be in 3 hour time blocks, although students will still only have 2 hours to finish the exam.

  • The time block will not be extended if a student shows up when there is less than 2 hours left.

  • The proctor may cancel the session if no one arrives within the first hour and fifteen minutes. 

  • You must present valid ID.

  • Pencils and scratch paper will be provided.

  • Calculators are not allowed.

  • Please note-you will still have to purchase the ALEKS PPL test pack for $15 plus tax. Please see the Math Placement Access and Instructions page for more details.   

  • Upcoming on-campus proctoring dates

    If you plan to arrive after the first hour has passed, please email math-registration@uwyo.edu, so they can alert the proctor that there will be a late arrival. The time block will not be extended, so you will be forfeiting your time to take the test if you come more than an hour after the session start time.

     Table of dates, times, and locations for the on-campus proctored MPE

    DATE

    TIME

    LOCATION

    Saturday, Aug. 19

    9:30am - 1:30pm

    College of Business Rm 108

    Sunday, Aug. 20

    2pm - 4:30pm

    College of Business Rm 108

    Wednesday, Aug. 23

    2:30pm - 5pm

    College of Business Rm 108

    Monday, Aug 28

    3:10pm - 6pm

    Classroom Building Rm 225

    Wednesday, Aug 30

    3:10pm - 6pm

    Engineering Building Rm 2106

    Thursday, Aug 31*

    3:10pm - 6pm

    Agriculture Building Rm 229

    *August 31 is the last date to Add semester courses.

    Took the MPE elsewhere?

    If you took the ALEKS PPL math placement test elsewhere within the last year with a proctor you may be able to transfer your score. See the Math Placement page for how to send a score in ALEKS or email the "Placement Assessments Results" PDF to math-registration@uwyo.edu.

    Questions?

    Visit the Math Placement test Troubleshooting page, or contact math-registration@uwyo.edu.


     




    Whilst it is very hard task to choose reliable test Dumps 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?
    Sure, Killexams is completely legit in addition to fully trustworthy. There are several functions that makes killexams.com genuine and respectable. It provides up-to-date and completely valid ACTUAL EXAM QUESTIONS containing real exams questions and answers. Price is really low as compared to almost all of the services on internet. The Dumps are updated on usual basis utilizing most recent brain dumps. Killexams account arrangement and solution delivery is incredibly fast. Data downloading is definitely unlimited and fast. Help is avaiable via Livechat and Message. These are the characteristics that makes killexams.com a strong website that come with ACTUAL EXAM QUESTIONS with real exams questions.



    Is killexams.com test material dependable?
    There are several Dumps provider in the market claiming that they provide real test Questions, Braindumps, Practice Tests, Study Guides, cheat sheet and many other names, but most of them are re-sellers that do not update their contents frequently. Killexams.com is best website of Year 2023 that understands the issue candidates face when they spend their time studying obsolete contents taken from free pdf download sites or reseller sites. Thats why killexams.com update test Dumps 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 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 download 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 Dumps will be provided in your download Account. You can download 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 Test Center and Enjoy your Success.




    CSLE practice questions | CNSC dumps questions | 2B0-101 test Cram | I10-001 free pdf | MSNCB practice questions | 2V0-01-19 practice test | HH0-210 PDF download | 304-200 Real test Questions | CFE-FP-D cram | C100DBA bootcamp | ACT-Math braindumps | CTFL_Syll2018 study guide | H13-629 practice test | APSCA real questions | MOPF free test papers | 303-200 test answers | Salesforce-CDP download | ACF-CCP Study Guide | DEA-C01 study guide | PMI-RMP Dumps |


    WPT-R - Wonderlic Personnel Test study help
    WPT-R - Wonderlic Personnel Test test
    WPT-R - Wonderlic Personnel Test Questions and Answers
    WPT-R - Wonderlic Personnel ACTUAL EXAM QUESTIONS
    WPT-R - Wonderlic Personnel Test test
    WPT-R - Wonderlic Personnel Test certification
    WPT-R - Wonderlic Personnel Test Real test Questions
    WPT-R - Wonderlic Personnel ACTUAL EXAM QUESTIONS
    WPT-R - Wonderlic Personnel Test information source
    WPT-R - Wonderlic Personnel Test PDF Download
    WPT-R - Wonderlic Personnel Test Test Prep
    WPT-R - Wonderlic Personnel Test book
    WPT-R - Wonderlic Personnel Test braindumps
    WPT-R - Wonderlic Personnel Test book
    WPT-R - Wonderlic Personnel Test braindumps
    WPT-R - Wonderlic Personnel Test test Braindumps
    WPT-R - Wonderlic Personnel Test PDF Dumps
    WPT-R - Wonderlic Personnel Test test prep
    WPT-R - Wonderlic Personnel Test Practice Test
    WPT-R - Wonderlic Personnel Test test syllabus
    WPT-R - Wonderlic Personnel Test Free PDF
    WPT-R - Wonderlic Personnel Test PDF Dumps
    WPT-R - Wonderlic Personnel Test test Questions
    WPT-R - Wonderlic Personnel Test test Questions
    WPT-R - Wonderlic Personnel Test information hunger
    WPT-R - Wonderlic Personnel Test test Questions
    WPT-R - Wonderlic Personnel Test Free test PDF
    WPT-R - Wonderlic Personnel ACTUAL EXAM QUESTIONS
    WPT-R - Wonderlic Personnel Test braindumps
    WPT-R - Wonderlic Personnel Test answers
    WPT-R - Wonderlic Personnel Test test prep
    WPT-R - Wonderlic Personnel Test education
    WPT-R - Wonderlic Personnel Test Practice Test
    WPT-R - Wonderlic Personnel Test test
    WPT-R - Wonderlic Personnel Test testing
    WPT-R - Wonderlic Personnel Test PDF Download
    WPT-R - Wonderlic Personnel Test PDF Questions
    WPT-R - Wonderlic Personnel Test Study Guide
    WPT-R - Wonderlic Personnel Test course outline
    WPT-R - Wonderlic Personnel ACTUAL EXAM QUESTIONS
    WPT-R - Wonderlic Personnel Test learn
    WPT-R - Wonderlic Personnel Test Study Guide
    WPT-R - Wonderlic Personnel Test test Questions
    WPT-R - Wonderlic Personnel Test exam

    Other Wonderlic ACTUAL EXAM QUESTIONS


    WPT-R cbt | Wonderlic english test questions |


    Best ACTUAL EXAM QUESTIONS You Ever Experienced


    NBCOT test prep | NBSTSA-CST VCE | Servicenow-CAD pass exam | CCCP-001 free practice tests | RDN test prep | ADX-271 practice questions | ACA-CloudNative free pdf | CCSPA Free test PDF | PSM-I ACTUAL EXAM QUESTIONS | IIA-ACCA test questions | F50-528 past exams | 300-100 ACTUAL EXAM QUESTIONS | DP-900 training material | JN0-553 cram | JN0-1362 test questions | RCDDv14 braindumps | 9L0-964 PDF Dumps | DP-300 sample test questions | AD0-E709 practical test | T7 free test papers |





    References :


    http://killexams-braindumps.blogspot.com/2020/06/memorize-to-read-wpt-r-latest-questions.html
    https://killexams-posting.dropmark.com/817438/23586728
    https://www.instapaper.com/read/1317996534
    https://killexams-posting.dropmark.com/817438/23697270
    http://feeds.feedburner.com/KillYourWpt-rExamAtFirstTry
    https://youtu.be/1-qagIqlVPQ
    https://www.coursehero.com/file/75558556/Wonderlic-Personnel-Test-WPT-Rpdf/
    https://sites.google.com/view/killexams-wpt-r-actual-questio
    https://files.fm/f/zd2mxnmkz



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






    Direct Download

    WPT-R 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.

    WPT-R Reviews

    100% Valid and Up to Date WPT-R 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