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 CSQA?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der CSQA: Certified Software Quality Analyst (CSQA) Prüfung.

2024 Updated Actual CSQA questions as experienced in Test Center

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

E html>

Quality-Assurance CSQA : Certified Software Quality Analyst (CSQA) Practice Tests

Practice Tests Organized by Shahid nazir



Latest 2024 Updated Quality-Assurance Certified Software Quality Analyst (CSQA) Syllabus
CSQA examcollection with Premium PDF and Test Engine

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




CSQA examcollection : Download 100% Free CSQA practice questions (PDF and VCE)

Exam Number : CSQA
Exam Name : Certified Software Quality Analyst (CSQA)
Vendor Name : Quality-Assurance
Update : Click Here to Check Latest Update
Question Bank : Check Questions

Exactly same CSQA Study Guides as in real test.
We make a great effort to provide you with real Certified Software Quality Analyst (CSQA) test questions and answers, along with clarifications. Each CSQA question and answer on killexams.com has been established by certified Quality-Assurance professionals. They are highly qualified and certified people who have several years of professional experience with Quality-Assurance exams. They check the CSQA Mock Questions question according to the real CSQA test.

We provide real CSQA test Braindumps real questions in 2 formats: CSQA PDF document and CSQA VCE test simulator. The CSQA real test is quite different from the Quality-Assurance exam, so simply studying the CSQA coursebook is not enough. You can obtain the CSQA real questions PDF file on any device and even print CSQA Pass Guides to make your own study guide. Their pass rate is high at 98.9% and the similarity between their CSQA questions and the genuine test is 98%. If you want to succeed in the CSQA test in just one attempt, visit killexams.com to obtain the Quality-Assurance CSQA real test questions.

You can obtain the CSQA Pass Guides PDF on any device such as iPad, iPhone, PC, smart TV, or Android to read and memorize the CSQA questions. However, just studying is not enough. You should invest as much time as possible in practicing the questions and taking tests with the VCE test simulator. This will help you to remember the questions and answer them correctly, just as you would in a real test. With enough practice, you will Boost your marks and be well-prepared for the genuine CSQA exam.







CSQA test Format | CSQA Course Contents | CSQA Course Outline | CSQA test Syllabus | CSQA test Objectives


Acquiring the designation of Certified Software Quality Analyst (CSQA) indicates a professional level of competence in the principles and practices of quality assurance in the IT profession. CSQAs become members of a recognized professional group and receive recognition of their competence by business and professional associates, potentially more rapid career advancement, and greater acceptance in the role as advisor to management.



With the move to Pearson VUE Testing Centers as its partner for the administration of certification examinations worldwide there will no longer be a fixed schedule posted with dates / locations as in previous year.

Exams are offered daily at Pearson VUE Testing Centers and seats for the exams are based on availability at each site which depends on when you are planning to schedule an exam. The farther out you attempt to schedule an test the better the chances are of finding a seat so plan accordingly.

As a general rule most Pearson VUE Testing Centers are open Monday – Friday, however in some locations that may vary. The majority of test centers are open in the morning and late afternoon and a handful have opted to stay open on the weekends.



- Quality Principles and Concepts

- Quality Leadership

- Quality Baselines (Assessments and Models)

- Quality Assurance

- Quality Planning

- Define, Build, Implement and Boost Work Processes

- Quality Control Practices

- Metrics and Measurement

- Internal Control and Security

- Outsourcing, COTS and Contracting Quality



Knowledge Category 1 ~ Quality Principles and Concepts

Before an organization can begin to assess the quality of its products and services, and identify opportunities for improvement, it first must have a working knowledge of quality principles and basic concepts. This category will test the CSQA candidates ability to understand these principles.



Knowledge Category 2 ~ Quality Leadership
The most important prerequisites for successful implementation of any major quality initiative are leadership and commitment from executive management. Management must create a work environment supportive of quality initiatives. It is managements responsibility to establish strategic objectives and build an infrastructure that is aligned to those objectives. This category will cover the management processes used to establish the foundation of a quality-managed environment, as well as commitment, new behaviors, building the infrastructure, techniques, approaches and communications.



Knowledge Category 3 ~ Quality Baselines (Assessments and Models)

Organizations need to establish baselines of performance for quality, productivity and customer satisfaction. These baselines are used to document improvements by showing changes from a baseline. In order to establish a baseline, a model and/or goal must be established for use in measuring against to determine the baseline.



Knowledge Category 4 ~ Quality Assurance

Quality Assurance is a professional competency whose focus is directed at critical processes used to build products and services. The profession is charged with the responsibility for tactical process improvement initiatives that are strategically aligned to the goals of the organization. This category will address the understanding and application of quality assurance practices in support of the strategic quality direction of the organization.



Knowledge Category 5 ~ Quality Planning

Executive management establishes the vision and strategic goals. Planning is the process that describes how those strategic goals will be accomplished. Quality planning should be integrated into the IT plan so that they become a single plan. In simplistic terms, the IT plan represents the producer and the quality plan represents the customer.



Knowledge Category 6 ~ Define, Build, Implement and Boost Work Processes

This category will test the candidates understanding of process components, how to define a process, and how to continuously Boost process capability.



Knowledge Category 7 ~ Quality Control Practices

Quality control practices should occur during product development, product acquisition, product construction at the end of development/acquisition and throughout product change and operation. During development, the quality control process is frequently called verification and at the conclusion of development, it is called validation. This category will address the various types of controls and when they are best used in the process.



Knowledge Category 8 ~ Metrics and Measurement

This category addresses measurement concepts, the use of measurement in a software development environment, variation, process capability, risk management, the ways measurement can be used, and how to implement an effective measurement program.



Knowledge Category 9 ~ Internal Control and Security

Privacy laws and increased accessibility to data have necessitated increased security. Accounting scandals and governmental regulation such as the Sarbanes-Oxley Act have placed increased importance on building and maintaining adequate systems of internal control. The quality assurance function can contribute to meeting those objectives by assuring that IT has adequate processes governing internal control and security.



Knowledge Category 10 ~ Outsourcing, COTS and Contracting Quality

Organizations can assign software development work responsibilities to outside organizations through purchasing software or contracting services; but they cannot assign the responsibility for quality. Quality of software remains an internal IT responsibility regardless of who builds the software. The quality professionals need to assure that those quality responsibilities are fulfilled through appropriate processes for acquiring purchased software and contracting for software services.




Killexams Review | Reputation | Testimonials | Feedback


Surprised to see CSQA real test questions!
I passed my CSQA test with top scores thanks to the practice questions provided by killexams.com. Their real CSQA test Braindumps were just like the ones on the exam. The VCE test are updated frequently, so I had the latest information and was able to pass with ease. Do not depend on loose practice test, use killexams for appropriate test training.


An incredible source of updated great practice questions with correct answers.
When I needed to submit my CSQA certificate, I was in a hurry to pass the exam. I started searching for online help and came across killexams.com. Their material was so helpful that I forgot what I was doing and focused solely on their resources. In the end, it paid off, as killexams.com got me to pass my test.


A little study for the CSQA test can lead to great success.
The test preparation package from killexams.com included all the questions that I was asked during the real exam. I never thought it would be possible, but it was. The materials provided by killexams.com are regularly updated to keep up with any changes made to the CSQA exam. The test simulator is user-friendly and runs smoothly. Overall, I have nothing negative to say about it.


Here are tips and tricks with practice questions to help you certify for the CSQA test with high marks.
After struggling with various study materials, I stumbled upon Dumps which contained accurate answers presented in a simple way, exactly what I needed to prepare for my CSQA exam. With just 10 days left until the exam, I was scared I wouldn't pass, but I ended up scoring 78% marks thanks to Dumps.


There is no cheaper source than these CSQA Braindumps practice questions available yet.
I recently passed my CSQA exam, and one test in advance this month! As many others have pointed out, the practice questions provided by killexams.com are an amazing way to study, whether it's for the test or to enhance your understanding of the subject matter. I was asked many questions during my exams, but thankfully, I knew all the answers thanks to killexams.com!!


Quality-Assurance Analyst real questions

CSQA Exam

User: Nastashi*****

Every morning, I used to go out for walks to feel energized, but the day before my CSQA exam, I was so thinking 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 CSQA exam.
User: Vlad*****

Killexams.com was my captain or pilot that helped steer me in the right direction before the Quality-Assurance csqa exam. Their instructions and guidance were invaluable in helping me achieve success. Thanks to them, I was able to perform well in the test and achieve a moment of glory that I will always be grateful for.
User: Zhenya*****

I would like to thank the Killexams team for helping me prepare for the sudden exiting tests for the csqa exam. Without the Killexams test engine, it would have been impossible for me to take the csqa exam. Although I tried many sources for my test preparation, the Killexams test guide provided me with smooth test practice and self-confidence to take the test without any issues.
User: Salvador*****

As the EC test dates approached, I began to feel increasingly fearful and nervous. However, Killexams.com proved to be an invaluable partner and provided tremendous support. If you need high-quality EC practice tests, Killexams.com is the ultimate solution and your last resort. Their practice questions are excellent and of the highest quality, and I recommend them with complete confidence. Initially, I was unsure about the practice tests, but Killexams.com proved me wrong, and their practice questions were of tremendous use, enabling me to score Excellent Marks in the exam.
User: Lyubov*****

To ensure my success in the csqa exam, I sought assistance from killexams.com. I chose them for several reasons: their analysis of the csqa test courses and guidelines was high-quality, their practice questions were user-friendly, remarkable, and innovative. Most importantly, their practice questions helped me address all the issues related to the subject matter. Their material made a significant contribution to my preparation and enabled me to be successful. I can firmly say that it helped me achieve my goals.

CSQA Exam

Question: Should I try this wonderful source of real questions?
Answer: We recommend experiencing killexams test prep and study guides for your CSQA test because these CSQA VCE test are specially collected to ease the CSQA test questions when asked in the real test. You will get good scores on the exam.
Question: What do you mean by CSQA real questions?
Answer: CSQA VCE test mean test Braindumps that provide to-the-point knowledge of test questions rather than going through big CSQA course books and contents. CSQA VCE test contain dump questions and answers. By studying and understanding the complete examcollection greatly improves your knowledge about the core courses of the exam. It also covers the latest syllabus. These test questions are taken from real test sources, that's why these 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 questions are sufficient to pass the exam.
Question: Does killexams CSQA dumps cover all topics?
Answer: Yes, killexams CSQA questions contain real Braindumps of the latest CSQA courses with the latest syllabus. These CSQA test prep contain an real examcollection that will help you to Boost your knowledge about the CSQA courses and help you pass your test easily.
Question: Is there any recurring fee for killexams membership?
Answer: No, there is no recurring fee. It is a one-time fee for 3 months, 6 months, or 1-year killexams account, whichever you select. During this period there is no charge for downloading the test several times. After the expiry of your online account, you need to renew your account by yourself. Killexams do not renew the account automatically.
Question: What do you mean by CSQA test prep?
Answer: CSQA test prep mean test Braindumps that provide to-the-point knowledge of test questions rather than going through big CSQA course books and contents. CSQA VCE test contain dump questions and answers. By studying and understanding the complete examcollection greatly improves your knowledge about the core courses of the exam. It also covers the latest syllabus. These test questions are taken from real test sources, that's why these 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 questions are sufficient to pass the exam.
Quality-Assurance+Analyst+real+questions
https://www.pass4surez.com/art/read.php?keyword=Quality-Assurance+Analyst+real+questions&lang=us&links=remove



Whilst it is very hard task to choose reliable test Braindumps 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 trial 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?
Yes, Killexams is fully legit as well as fully dependable. There are several functions that makes killexams.com reliable and legit. It provides updated and fully valid test questions comprising real exams questions and answers. Price is minimal as compared to most of the services online. The Braindumps are modified on frequent basis having most latest questions. Killexams account build up and item delivery is amazingly fast. Record downloading is definitely unlimited and incredibly fast. Assist is avaiable via Livechat and E mail. These are the characteristics that makes killexams.com a sturdy website that offer test prep with real exams questions.



Is killexams.com test material dependable?
There are several Braindumps 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 Braindumps 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 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 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 Braindumps will be provided in your obtain Account. You can obtain Premium VCE test files as many times as you want, There is no limit.

Killexams.com has provided VCE VCE 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.




ANCC-MSN practice questions | PDII study help | NAWCO-OMS test questions | C1000-132 pdf study guide | AZ-600 mock questions | ISTQB-Advanced-Level-1 VCE test | HIO-301 test Questions | GCX-ARC Study Guide | 4A0-M02 online test | DES-1423 VCE test | FBAP_002 Study help | NBCOT-OTR test prep | MTEL test prep | CBAF-001 practice questions | FCBA Practice Questions | 201 model question | ACF-CCP free test papers | H12-721 test Questions | DSA-C02 mock test | ISSEP examcollection |


CSQA - Certified Software Quality Analyst (CSQA) test
CSQA - Certified Software Quality Analyst (CSQA) test Cram
CSQA - Certified Software Quality Analyst (CSQA) Latest Questions
CSQA - Certified Software Quality Analyst (CSQA) learn
CSQA - Certified Software Quality Analyst (CSQA) Latest Questions
CSQA - Certified Software Quality Analyst (CSQA) Practice Questions
CSQA - Certified Software Quality Analyst (CSQA) guide
CSQA - Certified Software Quality Analyst (CSQA) real Questions
CSQA - Certified Software Quality Analyst (CSQA) PDF download
CSQA - Certified Software Quality Analyst (CSQA) boot camp
CSQA - Certified Software Quality Analyst (CSQA) guide
CSQA - Certified Software Quality Analyst (CSQA) Premium PDF
CSQA - Certified Software Quality Analyst (CSQA) information hunger
CSQA - Certified Software Quality Analyst (CSQA) test success
CSQA - Certified Software Quality Analyst (CSQA) syllabus
CSQA - Certified Software Quality Analyst (CSQA) course outline
CSQA - Certified Software Quality Analyst (CSQA) boot camp
CSQA - Certified Software Quality Analyst (CSQA) techniques
CSQA - Certified Software Quality Analyst (CSQA) testing
CSQA - Certified Software Quality Analyst (CSQA) information search
CSQA - Certified Software Quality Analyst (CSQA) learn
CSQA - Certified Software Quality Analyst (CSQA) outline
CSQA - Certified Software Quality Analyst (CSQA) book
CSQA - Certified Software Quality Analyst (CSQA) education
CSQA - Certified Software Quality Analyst (CSQA) Question Bank
CSQA - Certified Software Quality Analyst (CSQA) study tips
CSQA - Certified Software Quality Analyst (CSQA) course outline
CSQA - Certified Software Quality Analyst (CSQA) Latest Topics
CSQA - Certified Software Quality Analyst (CSQA) information search
CSQA - Certified Software Quality Analyst (CSQA) education
CSQA - Certified Software Quality Analyst (CSQA) education
CSQA - Certified Software Quality Analyst (CSQA) test format
CSQA - Certified Software Quality Analyst (CSQA) teaching
CSQA - Certified Software Quality Analyst (CSQA) cheat sheet
CSQA - Certified Software Quality Analyst (CSQA) study tips
CSQA - Certified Software Quality Analyst (CSQA) test syllabus
CSQA - Certified Software Quality Analyst (CSQA) test
CSQA - Certified Software Quality Analyst (CSQA) test success
CSQA - Certified Software Quality Analyst (CSQA) answers
CSQA - Certified Software Quality Analyst (CSQA) certification
CSQA - Certified Software Quality Analyst (CSQA) PDF Download
CSQA - Certified Software Quality Analyst (CSQA) PDF questions
CSQA - Certified Software Quality Analyst (CSQA) Premium PDF
CSQA - Certified Software Quality Analyst (CSQA) outline

Other Quality-Assurance Practice Tests


ICGB free pdf | ICYB test prep | CSQA real questions | CSQE online exam | ICBB test questions | CQIA prep questions |


Best practice questions You Ever Experienced


HQT-4210 test results | 050-SEPROAUTH-01 PDF Download | Series7 trial test questions | ABOHN-COHN-S test questions | 922-102 writing test questions | 1Y0-204 practice test | CCSK trial questions | AZ-700 test cram | AZ-305 real questions | DEPC free questions | CCI practice exam | 250-428 study guide | F50-522 Test Prep | 850-001 Latest Topics | CPT questions answers | PEGAPCRSA80V1_2019 PDF Questions | IAFN-SANE-P online exam | OG0-081 boot camp | PulseSecure-PCS trial test | Watchguard-Essentials PDF Download |





References :


https://killexams-posting.dropmark.com/817438/23572464
https://www.instapaper.com/read/1316531467
http://killexams-braindumps.blogspot.com/2020/06/download-free-csqa-braindumps-with.html
http://feeds.feedburner.com/PassingTheCsqaExamIsEasyWithKillexamscom
https://youtu.be/RHFgCwePLSM
http://killexamstestprep.blogdigy.com/csqa-certified-software-quality-analyst-csqa-real-exam-questions-and-answers-by-killexams-com-11390690
https://sites.google.com/view/killexams-csqa-real-questions
https://drp.mk/i/0r8RfQbV40
https://killexams102.medium.com/total-featured-csqa-actual-test-2021-by-killexams-1283f9e78ce
https://files.fm/f/z5u3ba8yb



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






Direct Download

CSQA 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.

CSQA Reviews

100% Valid and Up to Date CSQA 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