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 CIPS-L4M7-Assets?
Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der CIPS-L4M7-Assets: CIPS Level 4 L4M7 Whole-life Assets Management Prüfung.
2024 Updated Actual CIPS-L4M7-Assets questions as experienced in Test Center
Aktuelle CIPS-L4M7-Assets Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz
E html>CIPS CIPS-L4M7-Assets : CIPS Level 4 L4M7 Whole-life Assets Management Practice TestsPractice Tests Organized by Martha nods |
Latest 2024 Updated CIPS CIPS Level 4 L4M7 Whole-life Assets Management Syllabus
CIPS-L4M7-Assets 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
CIPS-L4M7-Assets dumps collection : Download 100% Free CIPS-L4M7-Assets practice questions (PDF and VCE)
Exam Number : CIPS-L4M7-Assets
Exam Name : CIPS Level 4 L4M7 Whole-life Assets Management
Vendor Name : CIPS
Update : Click Here to Check Latest Update
Question Bank : Check Questions
Real test CIPS-L4M7-Assets Practice Questions questions accessible for genuine test
Putting in effort in the right direction can save you from wasting time and money. If you try to save a little by downloading free Study Guides from the internet, you may end up wasting your precious resources. It's always best to rely on a reliable service. You can visit killexams.com to get a 100% free sample of Question Bank questions, register to get the full version of the CIPS-L4M7-Assets question bank, and then spend 24 hours studying and practicing. That's all it takes!
At killexams.com, they have received many testimonials from satisfied customers who passed the CIPS-L4M7-Assets test with their boot camp. They have secured excellent positions in their respective companies and have seen improvements in their knowledge after using their CIPS-L4M7-Assets Exam Cram. Their approach goes beyond simply providing braindumps for passing the CIPS-L4M7-Assets exam; they aim to enhance people's understanding of CIPS-L4M7-Assets goals and Topics to help them succeed in their fields.
We strive to clarify concepts related to all CIPS-L4M7-Assets courses, syllabus, and goals for the CIPS CIPS-L4M7-Assets exam. Merely studying the CIPS-L4M7-Assets course guide is not enough. You need to familiarize yourself with challenging scenarios and questions asked in the real CIPS-L4M7-Assets exam. Visit killexams.com to get free sample CIPS-L4M7-Assets PDF questions and read through them. They are confident that if you are satisfied with the CIPS Level 4 L4M7 Whole-life Assets Management questions, you will want to sign up and get the complete version of the CIPS-L4M7-Assets Free test PDF at attractive discounts. This will be your first step towards success in the CIPS Level 4 L4M7 Whole-life Assets Management exam. Install CIPS-L4M7-Assets VCE test simulator on your computer, memorize CIPS-L4M7-Assets Exam Cram, and take practice questions regularly with the VCE test simulator. When you feel ready for the real CIPS-L4M7-Assets exam, register for it at a test center.
At killexams.com, they offer the latest, valid, and 2024 up-to-date CIPS CIPS Level 4 L4M7 Whole-life Assets Management dumps that are essential for passing the CIPS-L4M7-Assets exam. It is crucial to elevate your professional position in your organization. Their goal is to help individuals pass the CIPS-L4M7-Assets test on their first try. Their CIPS-L4M7-Assets Exam Cram has consistently produced top results over time, thanks to their customers' trust in their Exam Cram and VCE for their real CIPS-L4M7-Assets exam. They are the best source for genuine CIPS-L4M7-Assets test questions. They keep their CIPS-L4M7-Assets Exam Cram valid and up-to-date all the time. Their CIPS Level 4 L4M7 Whole-life Assets Management ACTUAL EXAM QUESTIONS will help you pass the test with flying colors.
If you are interested in passing the CIPS CIPS-L4M7-Assets test to secure a great job, register at killexams.com. They have a team of professionals who gather CIPS-L4M7-Assets real test questions at killexams.com. You will receive CIPS Level 4 L4M7 Whole-life Assets Management test questions to ensure your success in the CIPS-L4M7-Assets exam. You can get updated CIPS-L4M7-Assets test questions for free every time. There are organizations that offer CIPS-L4M7-Assets Exam Cram, but valid and 2024 up-to-date CIPS-L4M7-Assets Free test PDF is crucial. Rethink before relying on free CIPS-L4M7-Assets Exam Cram available on the web.
CIPS-L4M7-Assets test Format | CIPS-L4M7-Assets Course Contents | CIPS-L4M7-Assets Course Outline | CIPS-L4M7-Assets test Syllabus | CIPS-L4M7-Assets test Objectives
Killexams Review | Reputation | Testimonials | Feedback
It is unbelievable, but CIPS-L4M7-Assets real test questions are available right here.
Every morning, I used to go out for walks to feel energized, but the day before my CIPS-L4M7-Assets exam, I was so panic that I did not feel like going out. However, killexams.com came to my rescue and provided me with a pool of instructional data, which helped me get the right marks in the CIPS-L4M7-Assets exam.
The right place to find CIPS-L4M7-Assets real test question papers.
As a network expert, I thought appearing for the CIPS-L4M7-Assets test would be beneficial for my profession, but time restraints made it difficult for me to prepare. However, killexams.com mock test proved to be an effective study guide and enabled me to finish the test in just 70 minutes.
Did you attempt this great source of updated practice tests?
Preparing for the CIPS-L4M7-Assets test has been a daunting task with several confusing Topics to cover. However, killexams.com provided me with the confidence I needed to pass the test by taking me through core questions on the subject. My efforts paid off, and I passed the test with an impressive 84%. Although a few questions were twisted, the answers from killexams.com helped me mark the right ones.
These CIPS-L4M7-Assets mock test offer suitable test insights.
Thanks to killexams.com, I was able to keep my word to my father, who asked me if I was going to fail my upcoming CIPS-L4M7-Assets exam. I confidently answered no, and I am grateful that their study materials helped me pass the test with satisfactory results.
Believe me or not! This resource for CIPS-L4M7-Assets questions works.
I can not believe I passed the CIPS-L4M7-Assets test with such a high score, and I could not have done it without the help of killexams.com. Your support was instrumental in my success. Thank you so much for everything!
CIPS Management learning
CIPS-L4M7-Assets Exam
User: Jean***** When I was preparing for the CIPS-L4M7-ASSETS exam, I had a hard time understanding the material. I tried to seek assistance from friends, but most of the material was vague and confusing. Thats when I discovered Killexams.com and their valuable material. The provided practice questions were unique, and I was able to answer all the questions correctly. Thank you for bringing happiness to my career. |
User: Eli***** The best thing about the Killexams.com dumps collection is the explanations provided with the answers. This helps in understanding the concepts thoroughly. I subscribed to the CIPS LEVEL 4 L4M7 WHOLE-LIFE ASSETS MANAGEMENT dumps collection and went through it three to four times. In the exam, I attempted all the questions in under 40 minutes and scored 90 marks. Thank you, Killexams.com, for making it easy for us. A big shoutout to the Killexams.com team for the help provided through their practice questions. |
User: Mathew***** My roommate and I used killexams.com to prepare for their cips-l4m7-assets exam, and they both agreed that it was the best online resource available. They were both happy with their results, and I performed exceptionally well. Thanks to killexams.com for providing us with the guidance they needed to succeed. |
User: Ella***** I am excited to share that I passed my CIPS-L4M7-ASSETS test with 88% marks thanks to killexams.com mock test and test Simulator. The test was tough, but killexams.com made it easier. Their test simulator is a gift, and I loved the questions and-Answers organization and various practice questions as they helped me memorize better. |
User: Alejandro***** When I was approaching my CIPS-L4M7-ASSETS exam, I found myself running out of time and feeling extremely anxious. I regretted wasting time on useless material and began to search for a solution. Thats when I came across killexams.com and its comprehensive resources specifically designed for candidates taking the CIPS-L4M7-ASSETS test for CIPS. With their help, I was able to achieve good scores in the exam. |
CIPS-L4M7-Assets Exam
Question: I see that the number of questions are reduced, What is matter? Answer: Killexams certification team updates the test according to the real source of the exam. That's why, if new questions are added, the number of questions will be more than the previous update, but if questions are removed, they also remove those questions and keep their files up to date. That's is the reason, you see fewer questions than in the previous file. They do not keep obsolete content. |
Question: I want to pass complete certification track. Will I get special discount? Answer: Yes, you will get an extra discount if you buy a complete certification track. If there will be several exams in the certification track, you will get a special discount on purchasing a complete certification track. Visit https://killexams.com/certification-tracks for all the certification tracks. If you do not find your required track, you can choose the exams individually for the complete track and get the certification track discount. |
Question: How many times I can get CIPS-L4M7-Assets dumps from my account? Answer: There is no limit. You can get your CIPS-L4M7-Assets test files an unlimited number of times. During the account validity period, you will be able to get your practice test without any further payment and there is no get limit. If there will be any update done in the test you have, it will be copied in your MyAccount get section and you will be informed by email. |
Question: There is a long list of exams, how can I search my exam? Answer: There are two ways. 1st and easiest is to go to the search screen and enter your test code or number, if you do not have an test number, you can write the test name or part of the name and you will see all the exams with the same name and you can choose from it. For example, you want to choose the TEAS Nursing school test, you can just write TEAS or nursing in the search to see all the possible exams with nursing schools. The second way is to go to the vendor by click on the products->Certification Paths and choose the vendor, like Admission Tests. You will see all the exams in the Admission Test section. You can easily choose your required exam. |
Question: I want to pass CIPS-L4M7-Assets test fast, What must I do? Answer: Yes, you can pass your test within the shortest possible time. If you are free and you have more time to study, you can prepare for an test even in 24 hours. But they recommend taking your time to study and practice CIPS-L4M7-Assets practice test until you are sure that you can answer all the questions that will be asked in the real CIPS-L4M7-Assets exam. Visit killexams.com and register to get the complete dumps collection of CIPS-L4M7-Assets test test prep. These CIPS-L4M7-Assets test questions are taken from real test sources, that's why these CIPS-L4M7-Assets test questions are sufficient to read and pass the exam. Although you can use other sources also for improvement of knowledge like textbooks and other aid material these CIPS-L4M7-Assets questions are sufficient to pass the exam. |
https://www.pass4surez.com/art/read.php?keyword=CIPS+Management+learning&lang=us&links=remove
While it is very hard task to choose reliable certification questions / answers resources with respect to review, reputation and validity because people get ripoff due to choosing wrong service. Killexams.com make it sure to serve its clients best to its resources with respect to ACTUAL EXAM QUESTIONS update and validity. Most of other's ripoff report complaint clients come to us for the brain dumps and pass their exams happily and easily. They never compromise on their review, reputation and quality because killexams review, killexams reputation and killexams client confidence is important to us. Specially they take care of killexams.com review, killexams.com reputation, killexams.com ripoff report complaint, killexams.com trust, killexams.com validity, killexams.com report and killexams.com scam. The same care that they take about killexams review, killexams reputation, killexams ripoff report complaint, killexams trust, killexams validity, killexams report and killexams scam. If you see any false report posted by their competitors with the name killexams ripoff report complaint internet, killexams ripoff report, killexams 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 thousands of satisfied customers that pass their exams using killexams.com brain dumps, killexams PDF questions, killexams practice questions, killexams test simulator. Visit Their sample 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 practice questions website?
Sure, Killexams is fully legit and even fully efficient. There are several characteristics that makes killexams.com reliable and reliable. It provides accurate and fully valid test questions made up of real exams questions and answers. Price is suprisingly low as compared to almost all services online. The mock test are up to date on common basis with most accurate questions. Killexams account setup and item delivery is extremely fast. Computer file downloading can be unlimited and intensely fast. Guidance is avaiable via Livechat and E-mail. These are the features that makes killexams.com a sturdy website offering test prep with real exams questions.
Is killexams.com test material dependable?
There are several mock test provider in the market claiming that they provide real test Questions, Braindumps, Practice Tests, Study Guides, cheat sheet and many other names, but most of them are re-sellers that do not update their contents frequently. Killexams.com is best website of Year 2024 that understands the issue candidates face when they spend their time studying obsolete contents taken from free pdf get sites or reseller sites. Thats why killexams.com update test mock test with the same frequency as they are updated in Real Test. test questions provided by killexams.com are Reliable, Up-to-date and validated by Certified Professionals. They maintain dumps collection 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 Topics of new syllabus, They recommend to get PDF test Questions from killexams.com and get ready for real exam. When you feel that you should register for Premium Version, Just choose visit killexams.com and register, you will receive your Username/Password in your Email within 5 to 10 minutes. All the future updates and changes in mock test will be provided in your get Account. You can get Premium practice test files as many times as you want, There is no limit.
Killexams.com has provided VCE practice test Software to Practice your test by Taking Test Frequently. It asks the Real test Questions and Marks Your Progress. You can take test as many times as you want. There is no limit. It will make your test prep very fast and effective. When you start getting 100% Marks with complete Pool of Questions, you will be ready to take real Test. Go register for Test in Exam Center and Enjoy your Success.
AD01 study questions | PCCE writing test questions | E20-365 practice test | D-PCR-DY-23 practice test | NSE6_FNC-8.5 sample questions | ICTS free pdf | ICBRR test Questions | CLEP free pdf get | BONENT-CHN Latest Questions | API-580 mock questions | HPE6-A70 test prep | PL-600 practice test | MS-720 free online test | OG0-091 test prep | NACE-CIP2-001 Free PDF | AONL-CNML free prep | JN0-322 free questions | CIA-III test prep | CIMAPRA17-BA3-1-ENG bootcamp | FNP-BC study guide |
CIPS-L4M7-Assets - CIPS Level 4 L4M7 Whole-life Assets Management real Questions
CIPS-L4M7-Assets - CIPS Level 4 L4M7 Whole-life Assets Management testing
CIPS-L4M7-Assets - CIPS Level 4 L4M7 Whole-life Assets Management test Cram
CIPS-L4M7-Assets - CIPS Level 4 L4M7 Whole-life Assets Management learning
CIPS-L4M7-Assets - CIPS Level 4 L4M7 Whole-life Assets Management test questions
CIPS-L4M7-Assets - CIPS Level 4 L4M7 Whole-life Assets Management Free test PDF
CIPS-L4M7-Assets - CIPS Level 4 L4M7 Whole-life Assets Management Test Prep
CIPS-L4M7-Assets - CIPS Level 4 L4M7 Whole-life Assets Management Real test Questions
CIPS-L4M7-Assets - CIPS Level 4 L4M7 Whole-life Assets Management learn
CIPS-L4M7-Assets - CIPS Level 4 L4M7 Whole-life Assets Management study tips
CIPS-L4M7-Assets - CIPS Level 4 L4M7 Whole-life Assets Management course outline
CIPS-L4M7-Assets - CIPS Level 4 L4M7 Whole-life Assets Management Practice Questions
CIPS-L4M7-Assets - CIPS Level 4 L4M7 Whole-life Assets Management information search
CIPS-L4M7-Assets - CIPS Level 4 L4M7 Whole-life Assets Management certification
CIPS-L4M7-Assets - CIPS Level 4 L4M7 Whole-life Assets Management information hunger
CIPS-L4M7-Assets - CIPS Level 4 L4M7 Whole-life Assets Management Latest Questions
CIPS-L4M7-Assets - CIPS Level 4 L4M7 Whole-life Assets Management information search
CIPS-L4M7-Assets - CIPS Level 4 L4M7 Whole-life Assets Management PDF Questions
CIPS-L4M7-Assets - CIPS Level 4 L4M7 Whole-life Assets Management study help
CIPS-L4M7-Assets - CIPS Level 4 L4M7 Whole-life Assets Management test contents
CIPS-L4M7-Assets - CIPS Level 4 L4M7 Whole-life Assets Management course outline
CIPS-L4M7-Assets - CIPS Level 4 L4M7 Whole-life Assets Management cheat sheet
CIPS-L4M7-Assets - CIPS Level 4 L4M7 Whole-life Assets Management test Questions
CIPS-L4M7-Assets - CIPS Level 4 L4M7 Whole-life Assets Management Questions and Answers
CIPS-L4M7-Assets - CIPS Level 4 L4M7 Whole-life Assets Management PDF questions
CIPS-L4M7-Assets - CIPS Level 4 L4M7 Whole-life Assets Management syllabus
CIPS-L4M7-Assets - CIPS Level 4 L4M7 Whole-life Assets Management test Questions
CIPS-L4M7-Assets - CIPS Level 4 L4M7 Whole-life Assets Management study help
CIPS-L4M7-Assets - CIPS Level 4 L4M7 Whole-life Assets Management test
CIPS-L4M7-Assets - CIPS Level 4 L4M7 Whole-life Assets Management Practice Questions
CIPS-L4M7-Assets - CIPS Level 4 L4M7 Whole-life Assets Management syllabus
CIPS-L4M7-Assets - CIPS Level 4 L4M7 Whole-life Assets Management Study Guide
CIPS-L4M7-Assets - CIPS Level 4 L4M7 Whole-life Assets Management tricks
CIPS-L4M7-Assets - CIPS Level 4 L4M7 Whole-life Assets Management study tips
CIPS-L4M7-Assets - CIPS Level 4 L4M7 Whole-life Assets Management test success
CIPS-L4M7-Assets - CIPS Level 4 L4M7 Whole-life Assets Management tricks
CIPS-L4M7-Assets - CIPS Level 4 L4M7 Whole-life Assets Management PDF Download
CIPS-L4M7-Assets - CIPS Level 4 L4M7 Whole-life Assets Management outline
CIPS-L4M7-Assets - CIPS Level 4 L4M7 Whole-life Assets Management test format
CIPS-L4M7-Assets - CIPS Level 4 L4M7 Whole-life Assets Management test cram
CIPS-L4M7-Assets - CIPS Level 4 L4M7 Whole-life Assets Management real Questions
CIPS-L4M7-Assets - CIPS Level 4 L4M7 Whole-life Assets Management learning
CIPS-L4M7-Assets - CIPS Level 4 L4M7 Whole-life Assets Management test Questions
CIPS-L4M7-Assets - CIPS Level 4 L4M7 Whole-life Assets Management Free test PDF
Other CIPS Practice Tests
CIPS-L4M7-Procurement practice questions | A8 test prep | CIPS-L5M5-ADPSC cbt | CIPS-L5M2-MSCR bootcamp | CIPS-L4M7-Assets mock questions |
Best practice questions You Ever Experienced
GB0-191-ENU free pdf download | 005-002 questions and answers | 7392X test Questions | CAS-PA test cram | MB-260 sample test | ACE free pdf | NAB-NHA test Cram | CLEP Test Prep | SSM test Questions | NCLEX-PN PDF Download | ABEM-EMC free practice tests | NCSBN-MACE questions answers | NCE study guide | 920-556 assessment test sample | E20-598 test prep questions | HPE0-J69 question test | PPM-001 free questions | BL00100-101-E Practice Test | CTFL-AT free prep | CBAP pdf study guide |
References :
Similar Websites :
Pass4sure Certification test Practice Tests
Pass4Sure Certification Question Bank
CIPS-L4M7-Assets 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 CIPS-L4M7-Assets 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