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 GLO_CWM_LEVEL_I?
Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der GLO_CWM_LEVEL_I: Chartered Wealth Manager (CWM) Global Examination Prüfung.
2025 Updated Actual GLO_CWM_LEVEL_I questions as experienced in Test Center
Aktuelle GLO_CWM_LEVEL_I Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz
AAFM GLO_CWM_LEVEL_I : Chartered Wealth Manager (CWM) Global test Practice TestsPractice Tests Organized by Shahid nazir |
Latest 2025 Updated AAFM Chartered Wealth Manager (CWM) Global test Syllabus
GLO_CWM_LEVEL_I 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
GLO_CWM_LEVEL_I examcollection : Download 100% Free GLO_CWM_LEVEL_I practice tests (PDF and VCE)
Exam Number : GLO_CWM_LEVEL_I
Exam Name : Chartered Wealth Manager (CWM) Global Exam
Vendor Name : AAFM
Update : Click Here to Check Latest Update
Question Bank : Check Questions
A very easy way to pass AAFM GLO_CWM_LEVEL_I with their Exam Questions
Our GLO_CWM_LEVEL_I certification test guides are created by IT specialists. They have a group of GLO_CWM_LEVEL_I certified individuals who work together to make a tremendous assortment of genuine GLO_CWM_LEVEL_I test questions for candidates to simply go through and finish their test. Simply retaining the GLO_CWM_LEVEL_I real questions that they provide is adequate to finish the GLO_CWM_LEVEL_I test on the first attempt.
We take great care to ensure that your understanding of the course outline, syllabus, and objectives for the GLO_CWM_LEVEL_I test is crystal clear. Merely practicing the GLO_CWM_LEVEL_I course book is insufficient; you must also learn about tricky scenarios and questions that arise in the genuine exam. To do so, visit killexams.com and obtain free PDF trial questions for the GLO_CWM_LEVEL_I exam. They are confident that you will be pleased with their Chartered Wealth Manager (CWM) Global Exam questions, and you can register to download the full version of GLO_CWM_LEVEL_I Exam Questions at an attractive discount. This will be your initial step toward success in the Chartered Wealth Manager (CWM) Global Exam exam. Install GLO_CWM_LEVEL_I VCE test simulator on your computer, memorize GLO_CWM_LEVEL_I Latest Questions, and take practice tests frequently with the VCE test simulator. When you believe you are ready for the real GLO_CWM_LEVEL_I exam, go to the Exam Center and register for the genuine test.
You can download the GLO_CWM_LEVEL_I real questions PDF on any device, such as an iPad, iPhone, PC, smart TV, or Android, to read and memorize the GLO_CWM_LEVEL_I real questions. Spend as much time as possible practicing the GLO_CWM_LEVEL_I questions and answers. Taking practice tests with the VCE test simulator, in particular, will help you memorize the questions and answer them well. You must recognize these questions in the genuine test to get a better score. Practicing well before the genuine GLO_CWM_LEVEL_I test will undoubtedly Excellerate your performance.
GLO_CWM_LEVEL_I test Format | GLO_CWM_LEVEL_I Course Contents | GLO_CWM_LEVEL_I Course Outline | GLO_CWM_LEVEL_I test Syllabus | GLO_CWM_LEVEL_I test Objectives
Exam Detail:
The GLO_CWM_LEVEL_I Chartered Wealth Manager (CWM) Global test is a professional certification test for individuals looking to demonstrate their knowledge and skills in the field of wealth management. Here are the test details for the GLO_CWM_LEVEL_I exam:
- Number of Questions: The test typically consists of multiple-choice questions. The exact number of questions may vary, but it is generally around 100-150 questions.
- Time Limit: The time allocated to complete the test is usually around 3-4 hours.
Course Outline:
The Chartered Wealth Manager (CWM) program covers a comprehensive range of subjects related to wealth management. The course outline generally includes the following areas:
1. Introduction to Wealth Management:
- Understanding the role and responsibilities of a wealth manager.
- Overview of the wealth management industry and its stakeholders.
- Ethical considerations and professional conduct in wealth management.
2. Investment and Portfolio Management:
- Principles of investment management.
- Asset allocation and diversification strategies.
- Portfolio construction and optimization techniques.
- Risk management and performance evaluation.
3. Financial Planning and Retirement:
- Comprehensive financial planning process.
- Personal financial statements and budgeting.
- Retirement planning and strategies.
- Estate planning and wealth transfer.
4. Tax Planning and Law:
- Basic concepts of tax planning.
- Tax-efficient investment strategies.
- International taxation and cross-border considerations.
- Legal and regulatory frameworks in wealth management.
5. Risk Management and Insurance:
- Risk identification and exam.
- Insurance products and their role in risk management.
- Insurance planning for individuals and businesses.
6. Client Relationship and Communication:
- Understanding client needs and goals.
- Building and managing client relationships.
- Effective communication and presentation skills.
Exam Objectives:
The objectives of the GLO_CWM_LEVEL_I test are as follows:
- Assessing candidates' understanding of wealth management concepts, principles, and practices.
- Evaluating candidates' ability to apply investment and portfolio management techniques.
- Testing candidates' knowledge of financial planning, retirement, tax planning, and risk management.
- Assessing candidates' familiarity with legal, regulatory, and ethical considerations in wealth management.
- Evaluating candidates' ability to effectively communicate and build client relationships.
Exam Syllabus:
The specific test syllabus for the GLO_CWM_LEVEL_I test covers the following topics:
1. Introduction to Wealth Management:
- Role and responsibilities of a wealth manager.
- Overview of the wealth management industry.
- Professional ethics and conduct.
2. Investment and Portfolio Management:
- Investment principles and concepts.
- Asset allocation and portfolio diversification.
- Risk management and performance evaluation.
3. Financial Planning and Retirement:
- Financial planning process and techniques.
- Personal financial statements and budgeting.
- Retirement planning and strategies.
4. Tax Planning and Law:
- Tax planning concepts and strategies.
- Tax-efficient investment techniques.
- International taxation and regulatory frameworks.
5. Risk Management and Insurance:
- Risk identification and exam.
- Insurance products and their role in risk management.
- Insurance planning for individuals and businesses.
6. Client Relationship and Communication:
- Client needs and goal identification.
- Building and managing client relationships.
- Effective communication and presentation skills.
Killexams Review | Reputation | Testimonials | Feedback
An extraordinary source of the latest real test questions with accurate answers.
I scored 99% in the GLO_CWM_LEVEL_I exam, and I owe it all to the Questions and Answers provided by killexams.com. Within just 15 days of preparation, I was able to master even the most difficult topics, thanks to their clear and powerful observation guide. I hope that killexams.com continues to develop similar courses for other IT certification exams, as their material is unparalleled.
These updated GLO_CWM_LEVEL_I practice tests work well in the genuine test.
Thanks to killexams.com, I had the equipment and self-belief to crack the GLO_CWM_LEVEL_I exam. The website offers valuable facts to help acquire success in the GLO_CWM_LEVEL_I guide, and I discovered the GLO_CWM_LEVEL_I education software program. The software outlines each subject and puts queries in random order just like the test. It offers marks that evaluate oneself on unique parameters.
No worries while preparing for the GLO_CWM_LEVEL_I exam.
Passing my GLO_CWM_LEVEL_I test was crucial for keeping my job in my current company, but I knew it wouldn't be easy without some assistance. Fortunately, I was able to learn a lot from killexams.com's training pack, which included GLO_CWM_LEVEL_I Questions and Answers and an test simulator. Now, I am proud to announce that I am GLO_CWM_LEVEL_I certified. Thank you, killexams.com, for helping me achieve my goal.
The party is over! Time to study and pass the exam.
I am extremely happy with the excellent service provided by your team. The GLO_CWM_LEVEL_I questions bank was extremely helpful in the genuine exam, and I managed to secure an 89% score. My heartfelt gratitude to your experts who helped me throughout my preparation. Thanks a lot to the entire team for making me pass this test with flying colors. Your study material was concise, clear, and comprehensive, covering all the necessary subjects and questions for effective preparation. Once again, thank you for your exceptional support and guidance.
Found the correct source for real GLO_CWM_LEVEL_I practice tests.
As a working professional, I found Killexams to be a useful platform to practice the VCE test anywhere. The revision practice tests helped me secure 88% marks in the GLO_CWM_LEVEL_I exam. I suggest that Killexams develops an android app so that people like us can practice the tests while traveling.
AAFM Manager Latest Topics
GLO_CWM_LEVEL_I Exam
User: Stepan***** I passed the GLO_CWM_LEVEL_I certification test with 91% marks, and I owe my success to killexams.com practice tests, which are very similar to the genuine exam. Thank you for your exceptional assistance. I intend to continue using your practice tests for my subsequent certifications. Initially, I had no hope of becoming an IT certified professional, but a friend recommended killexams.com to me. I utilized their online study materials for the GLO_CWM_LEVEL_I test and obtained a 91% score. I am grateful to killexams.com. |
User: Chloe***** Thanks to Killexams.com, I was able to obtain my GLO_CWM_LEVEL_I certification. Their study materials and test simulator were incredibly useful in preparing me for the exam. I found that the subjects were easy to understand and learn with the help of their resources. Even the test itself, which I found unpredictable, was manageable thanks to Killexams.com Questions and Answers. I was well-prepared and encountered no unpleasant surprises during the exam. |
User: Helena***** Every morning, I used to go out for walks to feel energized, but the day before my GLO_CWM_LEVEL_I 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 GLO_CWM_LEVEL_I exam. |
User: Advik***** Preparing for the glo_cwm_level_i test can be challenging, and chances are high that you will fail if you do not have suitable guidance. The fantastic glo_cwm_level_i ebook provided by Killexams.com gives you essential and valuable information that enhances your knowledge and increases your chances of passing the test with flying colors. I prepared for my test through this software and scored 42 marks out of 50. You can trust this software to help you succeed. |
User: Mateo***** I passed my GLO_CWM_LEVEL_I test on my first try with 75% after just two days of studying. I am grateful to Killexams.com for their valuable questions, which helped me pass the test without any worries. I am looking forward to preparing for the GLO_CWM_LEVEL_I test with their assistance. |
GLO_CWM_LEVEL_I Exam
Question: Where can I obtain GLO_CWM_LEVEL_I test study help? Answer: You can find GLO_CWM_LEVEL_I study help at killexams.com. Killexams provide the latest GLO_CWM_LEVEL_I VCE test in two file formats. PDF and VCE. PDF can be opened with any PDF reader that is compatible with your phone, iPad, or laptop. You can read PDF Questions and Answers via mobile, iPad, laptop, or other devices. You can also print PDF Questions and Answers to make your book read. VCE test simulator is software that killexams provide to practice exams and take a test of all the questions. It is similar to your experience in the genuine test. You can get PDF or both PDF and test Simulator. These GLO_CWM_LEVEL_I test test prep will help you get Full Marks in the exam. |
Question: Can I find the LaACTUAL EXAM QUESTIONS Questions & Answers of GLO_CWM_LEVEL_I exam? Answer: Yes. You can find the latest GLO_CWM_LEVEL_I VCE test from killexams.com with a VCE test simulator for practice. You can memorize and practice these Questions and Answers with the VCE test simulator. It will train you enough to get good marks in the exam. |
Question: Why there are some negative reviews on internet about killexams? Answer: There are several VCE test providers, most of them are re-sellers. There is competition on the internet for the right material. Some marketing people use negative marketing as a tool to show a good source as a bad. They use to enter bad and negative reviews about killexams on the internet on some sites. This does not usually work but this method is used to show a good service bad rather than to Excellerate their service. |
Question: There are several GLO_CWM_LEVEL_I dumps on internet, are they reliable? Answer: Most of the free GLO_CWM_LEVEL_I questions on the internet are outdated. You need up-to-date and latest genuine questions to pass the GLO_CWM_LEVEL_I exam. Visit killexams.com and register to download the complete examcollection of GLO_CWM_LEVEL_I test test prep. These GLO_CWM_LEVEL_I test questions are taken from genuine test sources, that's why these GLO_CWM_LEVEL_I 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 GLO_CWM_LEVEL_I questions are sufficient to pass the exam. |
Question: Why there are several questions of GLO_CWM_LEVEL_I genuine questions? Answer: There are several questions of GLO_CWM_LEVEL_I test dump because killexams provide a complete pool of questions that will help you pass your test with good marks. |
https://www.pass4surez.com/art/read.php?keyword=AAFM+Manager+Latest+Topics&lang=us&links=remove
Whilst it is very hard task to choose reliable test Questions and Answers resources regarding review, reputation and validity because people get ripoff due to choosing incorrect service. Killexams make it sure to provide its clients far better to their resources with respect to ACTUAL EXAM QUESTIONS update and validity. Most of other peoples ripoff report complaint clients come to us for the brain dumps and pass their exams enjoyably and easily. They never compromise on their review, reputation and quality because killexams review, killexams reputation and killexams client self confidence is important to all of us. Specially they manage killexams.com review, killexams.com reputation, killexams.com ripoff report complaint, killexams.com trust, killexams.com validity, killexams.com report and killexams scam. If perhaps you see any bogus report posted by their competitor with the name killexams ripoff report complaint internet, killexams.com ripoff report, killexams.com scam, killexams.com complaint or something like this, just keep in mind that there are always bad people damaging reputation of good services due to their benefits. There are a large number of satisfied customers that pass their exams using killexams.com brain dumps, killexams PDF questions, killexams practice questions, killexams test simulator. Visit their test questions and 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 tests website?
Absolutely yes, Killexams is 100% legit together with fully trusted. There are several features that makes killexams.com legitimate and legitimate. It provides updated and 100% valid test questions that contains real exams questions and answers. Price is minimal as compared to the majority of the services on internet. The Questions and Answers are refreshed on typical basis along with most accurate questions. Killexams account set up and device delivery is incredibly fast. Submit downloading is usually unlimited and incredibly fast. Assist is avaiable via Livechat and Netmail. These are the characteristics that makes killexams.com a sturdy website that supply test prep with real exams questions.
Is killexams.com test material dependable?
There are several Questions and Answers provider in the market claiming that they provide genuine 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 2025 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 Questions and Answers 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 subjects of new syllabus, They recommend to download PDF test Questions from killexams.com and get ready for genuine exam. When you feel that you should register for Premium Version, Just choose visit killexams.com and register, you will receive your Username/Password in your Email within 5 to 10 minutes. All the future updates and changes in Questions and Answers will be provided in your download Account. You can download 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 genuine Test. Go register for Test in Exam Center and Enjoy your Success.
MAT test prep | C1000-024 trial test | Nonprofit-Cloud-Consultant PDF Questions | ASTQB-CMT test test | 3V0-21.21 practice test | TMPTE test Questions | C1000-170 boot camp | SPLK-1001 test prep | COMPASS pdf download | CBDE Real test Questions | S90.03A free questions | SAA-C02 VCE | DCAD writing test questions | 1D0-61A mock test | MS-102 test prep | T7 test results | C-ELBW free study guide | JN0-251 practical test | CLOUDF trial questions | CPM Free PDF |
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination test
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination information hunger
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination course outline
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination PDF Questions
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination techniques
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination questions
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination Free test PDF
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination certification
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination Latest Questions
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination Study Guide
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination book
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination PDF Download
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination cheat sheet
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination PDF Questions
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination study help
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination exam
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination test prep
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination outline
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination study tips
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination test
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination guide
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination PDF questions
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination study tips
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination Free PDF
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination test
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination answers
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination PDF Download
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination Practice Test
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination PDF download
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination Free PDF
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination guide
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination study tips
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination test
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination information source
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination PDF Questions
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination book
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination tricks
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination Study Guide
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination cheat sheet
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination Free test PDF
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination test prep
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination questions
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination test prep
GLO_CWM_LEVEL_I - Chartered Wealth Manager (CWM) Global Examination learn
Other AAFM Practice Tests
GLO_CWM_LEVEL_I mock test | CTEP pdf questions | CWM_LEVEL_II certification sample |
Best practice tests You Ever Experienced
1K0-002 Study help | Watchguard-Essentials test results | CRNFA PDF Questions | PNCB-PMHS Practice test | CPCM mock questions | PEGACPSA88V1 pass exam | 8010 Practice Questions | 3V0-21.21 test cram | CPA-AUD free practice test | ACD200 trial test questions | IAHCSMM-CRCST test prep | PSPO-I practice test | DEX-450 practice exam | JN0-682 test example | CWOCN question test | ACE001 online exam | 1V0-41.20 boot camp | NS0-194 free questions | PMI-RMP free online test | DA-100 free pdf |
References :
Similar Websites :
Pass4sure Certification test Practice Tests
Pass4Sure Certification Question Bank
GLO_CWM_LEVEL_I 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 GLO_CWM_LEVEL_I 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