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 AEPA?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der AEPA: Arizona Educator Proficiency Assessments Prüfung.

2024 Updated Actual AEPA questions as experienced in Test Center

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

E html>

Arizona-Education AEPA : Arizona Educator Proficiency Assessments Practice Tests

Practice Tests Organized by Martha nods



Latest 2024 Updated Arizona-Education Arizona Educator Proficiency Assessments Syllabus
AEPA dumps collection with Premium PDF and Test Engine

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




AEPA dumps collection : Download 100% Free AEPA practice questions (PDF and VCE)

Exam Number : AEPA
Exam Name : Arizona Educator Proficiency Assessments
Vendor Name : Arizona-Education
Update : Click Here to Check Latest Update
Question Bank : Check Questions

Download Free Pass4sure AEPA exam TestPrep
Go through their AEPA Study Guides and feel confident about the AEPA exam. You will pass your exam with Good Score or get your money back. They have aggregated a database of Arizona Educator Proficiency Assessments Mock Questions from a real test dumps collection to provide you with an opportunity to prepare and pass the AEPA exam on the first attempt. Just install their exam Simulator and get ready. You will pass the AEPA exam.

Many candidates have successfully passed the AEPA exam with their PDF Exam Cram. It is extremely frustrating when you study and practice their AEPA Exam Cram and still receive poor grades or fail in the real tests. However, most of their clients have experienced significant improvement in their knowledge and passed the AEPA exam on their first attempt. This is because their AEPA Exam Cram truly enhances their understanding of the subject matter. They can apply their knowledge in real-world scenarios as experts. Their focus is not only on helping candidates pass the AEPA exam with their questions and answers, but also on improving their understanding of AEPA syllabus and objectives. This is why people trust their AEPA real questions.

We have included all updates and revisions in their Exam Cram as AEPA has undergone several changes and upgrades in 2024. Their 2024 updated AEPA braindumps ensure your success in the real tests. They recommend going through the entire dumps collection before taking the real exam. This is not only because using their AEPA Exam Cram will enhance your knowledge, but also because it will allow you to work confidently in a real-world environment as a professional. Their aim is to not only help candidates pass the AEPA exam, but also to Strengthen their understanding of AEPA syllabus and objectives. This is the key to success.







AEPA exam Format | AEPA Course Contents | AEPA Course Outline | AEPA exam Syllabus | AEPA exam Objectives


Title: Arizona Educator Proficiency Assessments (AEPA)

Test Detail:
The Arizona Educator Proficiency Assessments (AEPA) is a series of exams designed to measure the knowledge and skills of prospective educators in Arizona. These exams are used to ensure that candidates meet the state's standards for teacher licensure and certification. The AEPA exams cover a wide range of subjects and grade levels, allowing candidates to demonstrate their proficiency in specific content areas.

Course Outline:
The AEPA exams cover various subject areas and grade levels, depending on the specific certification sought by the candidate. The following is a general outline of the key areas covered in the AEPA exams:

1. Test Preparation:
- Understanding the structure and format of the AEPA exams
- Reviewing test-taking strategies and tips
- Familiarizing with the exam objectives and content domains
- Accessing study materials and resources

2. Subject-Specific Content:
- Reviewing subject-specific knowledge and skills
- Understanding the Arizona Academic Standards for the subject area
- Demonstrating proficiency in the key concepts, theories, and practices
- Applying content knowledge to real-world scenarios

3. Pedagogy and Professional Responsibilities:
- Understanding effective instructional strategies and practices
- Demonstrating knowledge of student development and learning theories
- Assessing student performance and providing feedback
- Understanding legal and ethical responsibilities of educators

4. Classroom Management and Communication:
- Creating a positive and inclusive learning environment
- Managing classroom behavior and promoting student engagement
- Communicating effectively with students, parents, and colleagues
- Utilizing technology and resources for instruction and communication

Exam Objectives:
The specific exam objectives for each AEPA exam vary based on the subject and grade level being tested. However, the general objectives of the AEPA exams include, but are not limited to:

1. Demonstrating knowledge and understanding of subject-specific content.
2. Applying pedagogical practices and strategies for effective teaching.
3. Assessing student learning and providing appropriate feedback.
4. Managing the classroom and promoting a positive learning environment.
5. Complying with professional responsibilities and ethical guidelines.

Syllabus:
The AEPA exams cover a broad range of subjects and grade levels, each with its own syllabus and content domains. The syllabus provides a breakdown of the syllabus covered in each exam, including specific content areas and associated competencies. It may include the following components:

- Test structure and format
- Content domains and weighting
- Key concepts, theories, and practices
- Instructional strategies and pedagogical knowledge
- Classroom management and communication skills
- Professional responsibilities and ethical guidelines



Killexams Review | Reputation | Testimonials | Feedback


The AEPA exam isn't any harder to pass with these Questions and Answers.
I opted for the AEPA arrangement from killexams.com as it was an average level for preparation that ultimately helped me score 92% on the AEPA exam. I appreciated the approach they took in simplifying the subjects and, with their guidance, I was able to overcome the challenges that came my way. Thanks to killexams.com, my preparation became much less complex, and I am now better equipped to make advancements in my career.


I feel very confident with the help of valid AEPA real exam questions.
I did not have much time to prepare for the AEPA exam, but the killexams.com question set and exam simulator proved to be the best decision I ever made. Despite the exam's difficulty, I got through it effortlessly, thanks to the current questions provided by the website.


Just try these real test questions for the AEPA exam, and success will be yours.
I passed my AEPA certification test just last week with ease thanks to killexams.com Q&A and exam Simulator. I was stunned to see how great their services are, as they helped me prepare for the test in a short amount of time. I am extremely grateful for their services, and their preparation materials are the best available in the market.


Read these AEPA real exam questions and feel confident.
Using killexams.com's Q&A for two weeks, the candidate observed an improvement in answering 95% of the questions during the exam. The candidate credits killexams.com for his success, especially when dealing with a part-time job and studies. The detailed answers in the practice exam were instrumental in understanding the subject conceptually, and the candidate scored 90% in the exam in under forty minutes.


How many questions are asked in the AEPA exam?
I found the quick and concise answers provided by killexams.com to be extremely helpful in my exam preparation. With the aid of their Q&A guide, I was able to answer 75 out of 80 questions within the allotted time and earned a score of 80%. My goal is to become a Certified AEPA, and killexams.com helped me get closer to achieving it by providing their guide just two weeks before the exam.


Arizona-Education Proficiency Premium PDF

AEPA Exam

User: Ruston*****

Thanks to Killexams.com, I scored 92% in my AEPA certification exam. I had been looking for a reliable exam practice exam to help me Strengthen my knowledge, and Killexams.com platform exceeded my expectations. They made a difficult task seem easy for me, and I feel great about my success. Their platform is perfect for anyone looking to succeed in their AEPA certification exam.
User: Agustina*****

As a network professional, I believed that appearing for the aepa exam would truly help me in my career. However, due to time constraints, practicing for the exam became virtually impossible for me. I was seeking out a study guide that could make things easier for me. Killexams.com Q&A practice questions worked like wonders for me as they provided a scientific answer for a more particular test. Unexpectedly, with their assistance, I completed the exam in just 70 minutes, which is shocking. Thanks to the Killexams.com materials.
User: Omar*****

There were many approaches for me to reach my goal of a high score within the AEPA, but I was not having great success in that area. So, I took the excellent decision of using the online AEPA practice help of the Killexams.com website, and I found that this decision was a sweet one to be remembered for a long time. The reason for my high score in the AEPA exam was the Killexams.com practice exam, which was available online.
User: Stella*****

Passing the aepa exam was long overdue for me, as my career development was associated with it, but I was always scared of the tough situation. Until I discovered the Q&A provided by Killexams.com, which made me feel more secure. Going through the materials was no issue at all, thanks to the clear method of presenting the syllabus and the fast and specific answers, which helped me grasp the difficult concepts. I passed nicely and got my promotion, all thanks to Killexams.com.
User: Valentino*****

While having a sharp mind is important for success in the arizona educator proficiency assessments exam, having a knowledgeable and certified instructor is equally crucial. I was fortunate to have found killexams.com, where I met excellent educators who provided me with the necessary guidance to pass my exam with ease. I am truly grateful for their support and dedication.

AEPA Exam

Question: What features killexams exams simulator provide?
Answer: Killexams provide two sections, Practice Exam, and Real Test Practice. The practice exam is used for training. You can see the answer anytime during the test. All other features are available to you. In the end, you will see your score report. Real Test Practice is like the exam you experience in the test center. You can not see the answer and you have to answer all the questions in the specified time. Your performance is recorded and you can see a graph of your performance.
Question: I forgot my killexams account password, what should I do?
Answer: Yes, you will receive an intimation on each update. You will be able to obtain up-to-date Q&A to the AEPA exam. If there will be any update in the exam, it will be automatically copied in your obtain section and you will receive an intimation email. You can memorize and practice these Q&A with the VCE exam simulator. It will train you enough to get good marks in the exam.
Question: Precisely same AEPA questions in the real exam, Is it possible?
Answer: Yes, It is possible and it is happening in the case of these AEPA exam questions. They are taken from real exam sources, that's why these AEPA exam questions are sufficient to read and pass the exam. Although you can use other sources also for improvement of knowledge like textbooks and other aid material these AEPA questions are sufficient to pass the exam.
Question: Is there anything else I should buy with AEPA test prep?
Answer: No, AEPA questions provided by killexams.com are sufficient to pass the exam on the first attempt. You must have PDF Q&A for memorizing and a VCE exam simulator for practice. Visit killexams.com and register to obtain the complete dumps collection of AEPA exam test prep. These AEPA exam questions are taken from real exam sources, that's why these AEPA exam questions are sufficient to read and pass the exam. Although you can use other sources also for improvement of knowledge like textbooks and other aid material these AEPA questions are sufficient to pass the exam. If you have time to study, you can prepare for the exam in very little time. They recommend taking enough time to study and practice AEPA practice exam that you are sure that you can answer all the questions that will be asked in the real AEPA exam.
Question: Can I practice real AEPA questions on my computer?
Answer: Yes, For AEPA Practice tests, you need to Install Killexams exam Simulator on your computer with Windows operating system. You can follow the steps provide 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.
Arizona-Education+Proficiency+Premium+PDF
https://www.pass4surez.com/art/read.php?keyword=Arizona-Education+Proficiency+Premium+PDF&lang=us&links=remove



Obviously it is hard task to pick solid certification Q&A concerning review, reputation and validity since individuals get scam because of picking bad service. Killexams.com ensure to serve its customers best to its value concerning cheat sheet update and validity. The vast majority of customers scam by resellers come to us for the cheat sheet and pass their exams cheerfully and effectively. They never trade off on their review, reputation and quality because killexams review, killexams reputation and killexams customer certainty is vital to us. Specially they deal with killexams.com review, killexams.com reputation, killexams.com scam report grievance, killexams.com trust, killexams.com validity, killexams.com report. In the event that you see any false report posted by their competitors with the name killexams scam report, killexams.com failing report, killexams.com scam or something like this, simply remember there are several terrible individuals harming reputation of good administrations because of their advantages. There are a great many successful clients that pass their exams utilizing killexams.com exam dumps, killexams PDF questions, killexams questions bank, killexams VCE exam simulator. Visit their specimen questions and test exam dumps, their exam simulator and you will realize that killexams.com is the best brain dumps site.

Which is the best practice questions website?
Yes, Killexams is totally legit along with fully well-performing. There are several features that makes killexams.com traditional and genuine. It provides up-to-date and totally valid exam questions that contain real exams questions and answers. Price is really low as compared to the majority of the services online. The Q&A are up-to-date on regular basis along with most exact questions. Killexams account setup and product or service delivery can be quite fast. File downloading is certainly unlimited and incredibly fast. Guidance is avaiable via Livechat and E-mail. These are the characteristics that makes killexams.com a robust website which provide exam prep with real exams questions.



Is killexams.com test material dependable?
There are several Q&A provider in the market claiming that they provide real exam 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 exam Q&A with the same frequency as they are updated in Real Test. exam questions provided by killexams.com are Reliable, Up-to-date and validated by Certified Professionals. They maintain dumps collection of valid Questions that is kept up-to-date by checking update on daily basis.

If you want to Pass your exam Fast with improvement in your knowledge about latest course contents and syllabus of new syllabus, They recommend to obtain PDF exam 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 Q&A will be provided in your obtain Account. You can obtain Premium practice exam files as many times as you want, There is no limit.

Killexams.com has provided VCE practice exam Software to Practice your exam by Taking Test Frequently. It asks the Real exam 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.




QAW1301 test prep | CPHRM practice exam | CDCP-001 writing test questions | Exin-CDCP practice exam | HCE-5420 PDF obtain | 1Y0-204 pdf questions | 4A0-114 assessment test sample | CCP free questions | E20-260 sample questions | PfMP free pdf | 3X0-102 Latest Questions | VCS-278 VCE | CPA-CPP Practice Questions | CPP-CPA free practice exam | GPTS exam answers | SC-300 Real exam Questions | H13-523 practice exam | C90-06A online exam | 4A0-102 examcollection | ASVAB study guide |


AEPA - Arizona Educator Proficiency Assessments questions
AEPA - Arizona Educator Proficiency Assessments test
AEPA - Arizona Educator Proficiency Assessments cheat sheet
AEPA - Arizona Educator Proficiency Assessments questions
AEPA - Arizona Educator Proficiency Assessments real questions
AEPA - Arizona Educator Proficiency Assessments study help
AEPA - Arizona Educator Proficiency Assessments exam format
AEPA - Arizona Educator Proficiency Assessments study tips
AEPA - Arizona Educator Proficiency Assessments study tips
AEPA - Arizona Educator Proficiency Assessments exam contents
AEPA - Arizona Educator Proficiency Assessments exam
AEPA - Arizona Educator Proficiency Assessments Premium PDF
AEPA - Arizona Educator Proficiency Assessments exam cram
AEPA - Arizona Educator Proficiency Assessments PDF Questions
AEPA - Arizona Educator Proficiency Assessments information hunger
AEPA - Arizona Educator Proficiency Assessments learn
AEPA - Arizona Educator Proficiency Assessments questions
AEPA - Arizona Educator Proficiency Assessments Question Bank
AEPA - Arizona Educator Proficiency Assessments Question Bank
AEPA - Arizona Educator Proficiency Assessments test questions
AEPA - Arizona Educator Proficiency Assessments Questions and Answers
AEPA - Arizona Educator Proficiency Assessments Practice Questions
AEPA - Arizona Educator Proficiency Assessments Test Prep
AEPA - Arizona Educator Proficiency Assessments Free exam PDF
AEPA - Arizona Educator Proficiency Assessments PDF download
AEPA - Arizona Educator Proficiency Assessments exam Questions
AEPA - Arizona Educator Proficiency Assessments test
AEPA - Arizona Educator Proficiency Assessments techniques
AEPA - Arizona Educator Proficiency Assessments techniques
AEPA - Arizona Educator Proficiency Assessments real questions
AEPA - Arizona Educator Proficiency Assessments information search
AEPA - Arizona Educator Proficiency Assessments tricks
AEPA - Arizona Educator Proficiency Assessments real Questions
AEPA - Arizona Educator Proficiency Assessments PDF Download
AEPA - Arizona Educator Proficiency Assessments answers
AEPA - Arizona Educator Proficiency Assessments PDF Download
AEPA - Arizona Educator Proficiency Assessments exam success
AEPA - Arizona Educator Proficiency Assessments real questions
AEPA - Arizona Educator Proficiency Assessments Latest Questions
AEPA - Arizona Educator Proficiency Assessments questions
AEPA - Arizona Educator Proficiency Assessments techniques
AEPA - Arizona Educator Proficiency Assessments test questions
AEPA - Arizona Educator Proficiency Assessments learn
AEPA - Arizona Educator Proficiency Assessments cheat sheet

Other Arizona-Education Practice Tests


AEPA question test |


Best practice questions You Ever Experienced


PEGAPCSA85V1 practice questions | DAS-C01 pdf exam | 1V0-81.20 free exam practice | LRP-614 Free PDF | Servicenow-CIS-VR mock exam | NCC questions download | DEA-1TT5 Practice Test | PSNCB-CANS mock test | 312-85 past exams | CEMAP-2 exam questions | ONCB-ONP-C test prep | CSET free practice tests | ADM-201 Study Guide | ACCNS-N exam prep | RCDDv14 pass exam | 1V0-31.21 exam questions | Copado-Robotic-Testing certification sample | CIMAPRA17-BA2-1-ENG exam prep | PCNSA Practice test | NNCC-CCHT prep questions |





References :


https://arfansaleemfan.blogspot.com/2020/08/70-551-csharp-upgrade-mcad-skills-to.html
https://files.fm/f/448nhnzep
Https://sites.google.com/view/killexams-aepa-pdf-braindumps
http://killexamstestprep3.blogdigy.com/aepa-arizona-educator-proficiency-assessments-2021-update-question-bank-by-killexams-com-11452202
https://youtu.be/YTkGCnuvvzQ
https://drp.mk/i/y9HSVdRVnj
https://www.instapaper.com/read/1395992435
http://feeds.feedburner.com/FreePass4sureAepaQuestionBank



Similar Websites :
Pass4sure Certification exam Practice Tests
Pass4Sure Certification Question Bank






Direct Download

AEPA 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.

AEPA Reviews

100% Valid and Up to Date AEPA 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