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 IIA-CIA-Part3-3P?
Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der IIA-CIA-Part3-3P: Business Knowledge for Internal Auditing Prüfung.
2024 Updated Actual IIA-CIA-Part3-3P questions as experienced in Test Center
Aktuelle IIA-CIA-Part3-3P Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz
E html>IIA IIA-CIA-Part3-3P : Business Knowledge for Internal Auditing Practice TestsPractice Tests Organized by Shahid nazir |
Latest 2024 Updated IIA Business Knowledge for Internal Auditing Syllabus
IIA-CIA-Part3-3P question bank with Premium PDF and Test Engine
Practice Tests and Free VCE Software - Questions Updated on Daily Basis
Big Discount / Cheapest price & 100% Pass Guarantee
IIA-CIA-Part3-3P question bank : Download 100% Free IIA-CIA-Part3-3P practice questions (PDF and VCE)
Exam Number : IIA-CIA-Part3-3P
Exam Name : Business Knowledge for Internal Auditing
Vendor Name : IIA
Update : Click Here to Check Latest Update
Question Bank : Check Questions
Free IIA-CIA-Part3-3P Free PDF with Questions and Answers and Questions and Answers
To prepare for the IIA-CIA-Part3-3P test, they recommend acquiring the most recent, legitimate, and cutting-edge IIA-CIA-Part3-3P Exam Questions, VCE practice test, and dedicating 24 hours to review. You can obtain valid, updated, and latest IIA-CIA-Part3-3P Exam Cram with the VCE exam simulator from killexams.com. Study PDF files, take practice questions with VCE, and that's all you need.
To avoid wasting your time and money on invalid and outdated IIA-CIA-Part3-3P Question Bank, it is important to research and find a valid and up-to-date supplier. However, if you do not want to spend time on research, you can trust killexams.com. They offer 100% free IIA-CIA-Part3-3P Question Bank test questions that you can obtain and be satisfied with. Additionally, by registering on their website, you can get a 3-month account to obtain the latest and valid IIA-CIA-Part3-3P Question Bank with genuine exam questions and answers. It is also recommended to obtain the IIA-CIA-Part3-3P VCE exam simulator for training.
You can obtain the IIA-CIA-Part3-3P Question Bank PDF on any device, such as an iPad, iPhone, PC, smart TV, or Android device, to read and memorize the questions and answers. Spending a good amount of time reading and taking practice questions with the VCE exam simulator will help you remember the questions and answer them correctly during the real IIA-CIA-Part3-3P exam. It is crucial to recognize these questions in the genuine exam in order to receive better marks. Therefore, it is highly encouraged to practice well before the real IIA-CIA-Part3-3P exam to Strengthen your chances of success.
IIA-CIA-Part3-3P exam Format | IIA-CIA-Part3-3P Course Contents | IIA-CIA-Part3-3P Course Outline | IIA-CIA-Part3-3P exam Syllabus | IIA-CIA-Part3-3P exam Objectives
Exam Specification: IIA-CIA-Part3-3P Business Knowledge for Internal Auditing
Exam Name: IIA-CIA-Part3-3P Business Knowledge for Internal Auditing
Exam Code: IIA-CIA-Part3-3P
Exam Duration: 180 minutes
Passing Score: 600 out of 800
Exam Format: Multiple-choice
Exam Delivery: Proctored online or at a testing center
Course Outline:
1. Business Acumen and Global Business Environment
- Understanding the organization's business model
- Economic and industry analysis
- Global business trends and challenges
2. Organizational Structures and Governance
- Types of organizational structures
- Governance frameworks and best practices
- Board of directors and executive management roles
3. Risk Management
- Principles and concepts of risk management
- Enterprise risk management frameworks
- Risk exam methodologies
4. Financial Management and Budgeting
- Financial statements analysis
- Budgeting and forecasting processes
- Key financial ratios and performance indicators
5. Operations Management
- Process mapping and improvement techniques
- Supply chain management
- Quality management principles
6. Project Management and IT Governance
- Project management methodologies and tools
- IT governance frameworks and controls
- Information security and data privacy
7. Regulatory and Legal Considerations
- Compliance frameworks and requirements
- Laws and regulations impacting internal auditing
- Ethical considerations and professional standards
Exam Objectives:
1. Demonstrate understanding of the organization's business model and its impact on internal auditing.
2. Analyze the global business environment and its implications for internal auditors.
3. Evaluate different organizational structures and their influence on internal auditing activities.
4. Assess governance frameworks and best practices to ensure effective oversight.
5. Apply risk management principles and techniques to identify and mitigate risks.
6. Interpret financial statements and analyze financial performance for effective auditing.
7. Understand operations management concepts and their relevance to internal auditing.
8. Apply project management methodologies and assess IT governance controls.
9. Identify and comply with relevant laws, regulations, and ethical considerations.
10. Demonstrate knowledge of professional standards and code of ethics in internal auditing.
Exam Syllabus:
Section 1: Business Acumen and Global Business Environment (10%)
- Organization's business model and value proposition
- Economic and industry analysis techniques
- Global business trends and their impact on internal auditing
Section 2: Organizational Structures and Governance (15%)
- Types of organizational structures and their implications
- Governance frameworks and their role in internal auditing
- Board of directors and executive management oversight
Section 3: Risk Management (20%)
- Risk management principles and concepts
- Enterprise risk management frameworks and methodologies
- Risk exam techniques for internal auditors
Section 4: Financial Management and Budgeting (20%)
- Financial statements analysis and interpretation
- Budgeting and forecasting processes in organizations
- Key financial ratios and performance indicators for internal auditors
Section 5: Operations Management (15%)
- Process mapping and improvement methodologies
- Supply chain management and its impact on internal auditing
- Quality management principles for internal auditors
Section 6: Project Management and IT Governance (10%)
- Project management methodologies and tools
- IT governance frameworks and controls for internal auditors
- Information security and data privacy considerations
Section 7: Regulatory and Legal Considerations (10%)
- Compliance frameworks and requirements
- Laws and regulations relevant to internal auditing
- Ethical considerations and professional standards for internal auditors
Section 8: Professional Standards and Code of Ethics (10%)
- International Standards for the Professional Practice of Internal Auditing (Standards)
- Code of Ethics for internal auditors
Killexams Review | Reputation | Testimonials | Feedback
Actual questions from the IIA-CIA-Part3-3P exam! Awesome source.
Passing the IIA-CIA-Part3-3P exam was challenging for me until I discovered killexams.com's question and answer guide. The courses seemed difficult, and I had trouble studying the books, but with the practice test' help, I understood the courses and was able to complete my preparation in just ten days. Thank you, killexams.com, for your amazing guide.
Do you need genuine study questions for the latest IIA-CIA-Part3-3P exam?
When I was struggling to achieve my goal of a high score in the IIA-CIA-Part3-3P exam, I discovered killexams.com's online study help. Though it was a mistake at first, it turned out to be a sweet one that I will remember for a long time. Thanks to their practice test, I was able to score well in my exam, and their online resources were extremely helpful throughout my preparation.
No more worries while preparing for the IIA-CIA-Part3-3P exam.
To be successful, one must learn to choose their thoughts in the same way they pick their clothes. The power to do things in life is the power they possess. The candidate passed the IIA-CIA-Part3-3P exam with the help of killexams.com, which proved to be a smooth and effective program to understand the subject.
It was my first experience, but it was tremendous!
The system for the IIA-CIA-Part3-3P exam has lots of tiny details and configuration tricks that can be challenging if you do not have much experience in the field. killexams.com's IIA-CIA-Part3-3P Questions Answers are sufficient to sit and pass the exam with ease. It was a blessing for me to use killexams.com to prepare for the IIA-CIA-Part3-3P exam.
Are there reliable sources for IIA-CIA-Part3-3P study publications?
Passing the IIA-CIA-Part3-3P exam is a big deal, and I was overjoyed when I got my results and saw that I scored 87% marks. I have killexams.com to thank for this excellent outcome.
IIA Business Practice Questions
IIA-CIA-Part3-3P Exam
User: Tiane***** I just passed my iia-cia-part3-3p exam with amazing marks thanks to killexams.com. The questions were valid and correct, and I am glad I subscribed to their services. |
User: Pavel***** I have some exciting news to share - I passed my iia-cia-part3-3p exam yesterday! I am so grateful to the entire team at Killexams.com for their excellent work. The training material was superb, and I could not have done it without them. Keep up the good work, and I will definitely be using your product for my next exam. Warm regards, Emma from New York. |
User: Tahna***** I had only 12 days to prepare for the IIA-CIA-PART3-3P exam, and I was feeling overwhelmed. I needed a smooth and powerful guide urgently, and Killexams.com was the answer. Their brief answers were easy to finish within 15 days. During the genuine exam, I managed to score 88% and answered 90% of the questions just like the pattern papers that they provided. I am truly grateful to Killexams.com for their help. |
User: Nadia***** The iia-cia-part3-3p exam system has many tiny details and configuration tricks that can be challenging if you do not have much experience in the field. killexams.com iia-cia-part3-3p Questions Answers are sufficient to sit and pass the exam with ease. It was a blessing for me to use killexams.com to prepare for the iia-cia-part3-3p exam. |
User: Krugan***** I highly recommend killexams.com IIA-CIA-PART3-3P practice tests. The questions are valid, and the answers are accurate. I have double-checked them with my peers, and they have passed the exam with ease. The exam was expensive and stressful, so I decided to get a protection net, which means this study bundle. All in all, I passed my exam as I hoped, and now I endorse killexams.com to everyone. |
IIA-CIA-Part3-3P Exam
Question: Do I need something else with IIA-CIA-Part3-3P dumps? Answer: No, IIA-CIA-Part3-3P questions provided by killexams.com are sufficient to pass the exam on the first attempt. You must have PDF Questions Answers for reading and a VCE exam simulator for practice. Visit killexams.com and register to obtain the complete question bank of IIA-CIA-Part3-3P exam test prep. These IIA-CIA-Part3-3P exam questions are taken from genuine exam sources, that's why these IIA-CIA-Part3-3P 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 IIA-CIA-Part3-3P 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 IIA-CIA-Part3-3P practice questions that you are sure that you can answer all the questions that will be asked in the genuine IIA-CIA-Part3-3P exam. |
Question: Will I be able to find updated IIA-CIA-Part3-3P dumps Questions & Answers? Answer: Yes, once registered at killexams.com you will be able to obtain up-to-date IIA-CIA-Part3-3P questions Questions Answers that will help you pass the exam with good marks. When you obtain and practice the exam questions, you will be confident and feel improvement in your knowledge. |
Question: Is there any way to pass IIA-CIA-Part3-3P exam without studying coursebooks? Answer: Killexams has provided the shortest IIA-CIA-Part3-3P questions for busy people to pass IIA-CIA-Part3-3P exam without reading massive course books. If you go through these IIA-CIA-Part3-3P questions, you are more than ready to take the test. They recommend taking your time to study and practice IIA-CIA-Part3-3P practice questions until you are sure that you can answer all the questions that will be asked in the genuine IIA-CIA-Part3-3P exam. For a full version of IIA-CIA-Part3-3P test prep, visit killexams.com and register to obtain the complete question bank of IIA-CIA-Part3-3P exam test prep. These IIA-CIA-Part3-3P exam questions are taken from genuine exam sources, that's why these IIA-CIA-Part3-3P 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 IIA-CIA-Part3-3P questions are sufficient to pass the exam. |
Question: Which website provides latest IIA-CIA-Part3-3P syllabus? Answer: Killexams.com provides the latest syllabus of IIA-CIA-Part3-3P exams. You can visit the IIA-CIA-Part3-3P exam page at killexams and get the information about the latest syllabus, course contents, IIA-CIA-Part3-3P exam objectives, and exam Details. You can obtain the latest IIA-CIA-Part3-3P practice questions by registering for the full version of the exam. |
Question: How long I need to exercise IIA-CIA-Part3-3P questions? Answer: It is up to you. If you are free and you have more time to study, you can prepare for an exam even in 24 hours. But they recommend taking your time to study and practice IIA-CIA-Part3-3P practice questions until you are sure that you can answer all the questions that will be asked in the genuine IIA-CIA-Part3-3P exam. |
https://www.pass4surez.com/art/read.php?keyword=IIA+Business+Practice+Questions&lang=us&links=remove
Obviously it is hard task to pick solid certification Questions Answers 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 quiz test update and validity. The vast majority of customers scam by resellers come to us for the quiz test 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?
Of course, Killexams is totally legit plus fully dependable. There are several characteristics that makes killexams.com authentic and authentic. It provides up to date and totally valid exam questions containing real exams questions and answers. Price is surprisingly low as compared to a lot of the services online. The Questions Answers are up graded on usual basis with most recent questions. Killexams account set up and merchandise delivery is extremely fast. Record downloading is definitely unlimited and fast. Assistance is avaiable via Livechat and E mail. These are the characteristics that makes killexams.com a robust website that provide exam prep with real exams questions.
Is killexams.com test material dependable?
There are several Questions Answers provider in the market claiming that they provide genuine 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 Questions Answers 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 question bank 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 courses of new syllabus, They recommend to obtain PDF exam 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 Answers will be provided in your obtain Account. You can obtain Premium practice questions files as many times as you want, There is no limit.
Killexams.com has provided VCE practice questions 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 genuine Test. Go register for Test in Test Center and Enjoy your Success.
Wonderlic pdf study guide | CSSGB practice questions | Scrum-PSD-I past exams | 4A0-115 practice questions | USMLE study guide | Okta-Certified-Consultant test prep | HPE0-S60 exam cram | CBUNA-CUA mock questions | PEGAPCSA85V1 pdf exam | NCCHC-CCHP-A Real exam Questions | CNSC test demo | FN0-125 cram book | ISO-IEC-27001-Lead-Auditor mock exam | SC-100 demo test questions | 050-v70-CSEDLPS02 exam questions | NS0-003 exam Cram | ISEB-PM1 cbt | AMCB-CNM study material | 4A0-102 exam test | CABM exam questions |
IIA-CIA-Part3-3P - Business Knowledge for Internal Auditing course outline
IIA-CIA-Part3-3P - Business Knowledge for Internal Auditing book
IIA-CIA-Part3-3P - Business Knowledge for Internal Auditing outline
IIA-CIA-Part3-3P - Business Knowledge for Internal Auditing study tips
IIA-CIA-Part3-3P - Business Knowledge for Internal Auditing Free exam PDF
IIA-CIA-Part3-3P - Business Knowledge for Internal Auditing study tips
IIA-CIA-Part3-3P - Business Knowledge for Internal Auditing exam cram
IIA-CIA-Part3-3P - Business Knowledge for Internal Auditing exam help
IIA-CIA-Part3-3P - Business Knowledge for Internal Auditing boot camp
IIA-CIA-Part3-3P - Business Knowledge for Internal Auditing test
IIA-CIA-Part3-3P - Business Knowledge for Internal Auditing study help
IIA-CIA-Part3-3P - Business Knowledge for Internal Auditing study help
IIA-CIA-Part3-3P - Business Knowledge for Internal Auditing Real exam Questions
IIA-CIA-Part3-3P - Business Knowledge for Internal Auditing study help
IIA-CIA-Part3-3P - Business Knowledge for Internal Auditing real questions
IIA-CIA-Part3-3P - Business Knowledge for Internal Auditing test
IIA-CIA-Part3-3P - Business Knowledge for Internal Auditing exam Questions
IIA-CIA-Part3-3P - Business Knowledge for Internal Auditing teaching
IIA-CIA-Part3-3P - Business Knowledge for Internal Auditing test prep
IIA-CIA-Part3-3P - Business Knowledge for Internal Auditing genuine Questions
IIA-CIA-Part3-3P - Business Knowledge for Internal Auditing information hunger
IIA-CIA-Part3-3P - Business Knowledge for Internal Auditing learn
IIA-CIA-Part3-3P - Business Knowledge for Internal Auditing Practice Questions
IIA-CIA-Part3-3P - Business Knowledge for Internal Auditing Real exam Questions
IIA-CIA-Part3-3P - Business Knowledge for Internal Auditing study tips
IIA-CIA-Part3-3P - Business Knowledge for Internal Auditing study help
IIA-CIA-Part3-3P - Business Knowledge for Internal Auditing Test Prep
IIA-CIA-Part3-3P - Business Knowledge for Internal Auditing boot camp
IIA-CIA-Part3-3P - Business Knowledge for Internal Auditing exam Questions
IIA-CIA-Part3-3P - Business Knowledge for Internal Auditing learning
IIA-CIA-Part3-3P - Business Knowledge for Internal Auditing Question Bank
IIA-CIA-Part3-3P - Business Knowledge for Internal Auditing Question Bank
IIA-CIA-Part3-3P - Business Knowledge for Internal Auditing PDF Download
IIA-CIA-Part3-3P - Business Knowledge for Internal Auditing Free exam PDF
IIA-CIA-Part3-3P - Business Knowledge for Internal Auditing Practice Questions
IIA-CIA-Part3-3P - Business Knowledge for Internal Auditing PDF Download
IIA-CIA-Part3-3P - Business Knowledge for Internal Auditing cheat sheet
IIA-CIA-Part3-3P - Business Knowledge for Internal Auditing study tips
IIA-CIA-Part3-3P - Business Knowledge for Internal Auditing test
IIA-CIA-Part3-3P - Business Knowledge for Internal Auditing testprep
IIA-CIA-Part3-3P - Business Knowledge for Internal Auditing questions
IIA-CIA-Part3-3P - Business Knowledge for Internal Auditing information source
IIA-CIA-Part3-3P - Business Knowledge for Internal Auditing exam success
IIA-CIA-Part3-3P - Business Knowledge for Internal Auditing exam Questions
Other IIA Practice Tests
CFSA Study Guide | IIA-CRMA Practice Test | IIA-ACCA free pdf | CIA-II mock exam | CIA-I exam results | CCSA test sample | IIA-CIA-Part3-3P practice questions | IIA-CRMA-ADV PDF Download | CIA-III free online test |
Best practice questions You Ever Experienced
H12-322_V1.0-ENU exam questions | 5V0-32-19 writing test questions | 050-SEPROSIEM-01 pdf study guide | 1T6-303 Practice Test | ACP-610 exam questions | 200-046 mock exam | CRT-251 study guide | CCBA Practice test | Salesforce-Experience-Cloud-Consultant training material | PACE practice questions | EX407 exam preparation | DES-1B21 VCE | NCBTMB pass exam | PHR practical test | 5V0-61.22 practice questions | CISSP free online test | PEGACPDC88V1 study questions | 1D0-623 certification sample | DP-420 practice exam | C1000-083 test example |
References :
Similar Websites :
Pass4sure Certification exam Practice Tests
Pass4Sure Certification Question Bank
IIA-CIA-Part3-3P 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 IIA-CIA-Part3-3P 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