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 ISEB-PM1?
Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der ISEB-PM1: Foundation Certificate in Project Management Prüfung.
2024 Updated Actual ISEB-PM1 questions as experienced in Test Center
Aktuelle ISEB-PM1 Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz
E html>ISEB ISEB-PM1 : Foundation Certificate in Project Management Practice TestsPractice Tests Organized by Martin Hoax |
Latest 2024 Updated ISEB Foundation Certificate in Project Management Syllabus
ISEB-PM1 dumps questions with Premium PDF and Test Engine
Practice Tests and Free VCE Software - Questions Updated on Daily Basis
Big Discount / Cheapest price & 100% Pass Guarantee
ISEB-PM1 dumps questions : Download 100% Free ISEB-PM1 practice tests (PDF and VCE)
Exam Number : ISEB-PM1
Exam Name : Foundation Certificate in Project Management
Vendor Name : ISEB
Update : Click Here to Check Latest Update
Question Bank : Check Questions
Exactly same ISEB-PM1 Mock Exam as in genuine test.
By studying their ISEB-PM1 Exam Cram and Practice Questions, you can ensure your success in the real ISEB-PM1 test with good grades or get your money back. They have compiled a dataset of ISEB-PM1 Real test Questions from the genuine test to help you prepare for the test at your first attempt. You can easily prepare for the test by using their VCE test system.
If you're looking to pass the ISEB ISEB-PM1 test and secure a great job, register at killexams.com. Many professionals rely on killexams.com for genuine ISEB-PM1 test questions. You can download updated ISEB-PM1 test questions for free, with new ones available regularly. While several companies offer ISEB-PM1 Mock Exam, finding a reliable and up-to-date ISEB-PM1 Real test Questions is crucial. Don't rely on free ISEB-PM1 Free PDF available online, instead, trust killexams.com.
Although there are many PDF Download suppliers on the internet, most of them offer outdated ISEB-PM1 TestPrep. It's important to find a trustworthy and dependable ISEB-PM1 Mock Exam supplier online, and killexams.com fits the bill. However, don't waste your time and money on unreliable sources. Start by downloading 100% free ISEB-PM1 Cram Guide from killexams.com and try out the sample questions. If satisfied, register for a three-month access to download the latest and authentic ISEB-PM1 Exam Cram, which includes real test questions and answers. Additionally, you should get the ISEB-PM1 VCE test simulator for your training.
ISEB-PM1 test Format | ISEB-PM1 Course Contents | ISEB-PM1 Course Outline | ISEB-PM1 test Syllabus | ISEB-PM1 test Objectives
Exam ID : ISEB-PM1
Exam Title : BCS Foundation Certificate in IS Project Management
Questions : 40
Pass Marks : 26
Duration : 1 hour
Exam Type : multiple-choice
This certificate is appropriate for anyone involved in or affected by IT projects; this extends to users, buyers and directors.
Candidates will be able to demonstrate and execute an understanding of the principles of project management in their organisation, including an understanding of:
Project planning
Monitoring and control
Change control and configuration management
Effort estimation
Quality and risk management
Communication between project stakeholders
Objectives
Candidates who pass the Foundation Certificate should be able to demonstrate an understanding of the principles of project management, including those that relate to project planning, monitoring and control, change control and configuration management, effort estimation, quality and risk management and communication between project stakeholders.
1. Projects and Project Work
The definition of projects, as opposed to other types of work
Terms of reference for a project
The purpose of project planning and control
The typical activities in a system development life-cycle
System and project life cycles
Variations on the conventional project life cycle, such as the use of prototypes or an iterative approach (e.g. the creation and testing of a series of versions of a product that converge on the final deliverable) or incremental approach (i.e. the phased creation and delivery of a series of products to users)
Implementation strategies e.g. parallel running, ‘sudden death, use of pilots
Purpose and content of business case reports; the use and significance of discounted cash flows in such reports (Note: knowledge of the method of calculation is NOT required)
Types of planning document: project initiation documents; project and stage plans, quality plan, communications plan, risk plan
Post implementation review
2. Project Planning
Note: candidates are expected to have an understanding of both the product and activity based approaches to planning
Project deliverables and intermediate products
Work and product breakdowns
Product definitions (including the identification of derived from, and component of relationships between products)
Relationship between products and activities in a project
Check points and milestones
Lapsed time and effort required for activities
Activity networks (using ‘activity on node notation)
Calculation of earliest and latest start and end dates of activities and resulting float
Identification and significance of critical paths
Resource allocation, smoothing and levelling, including the use of resource histograms
Work schedules and Gantt charts
3. Monitoring and Control
The project control life cycle: including planning, monitoring achievement, identifying variances, taking corrective action
The nature of, and the purposes for which, information is gathered
Collecting progress information
- Timesheets,
- Team progress meetings
- Error and change reports etc
Presenting progress information
- Content of progress reports
- Graphical presentation of progress information e.g. accumulative resource charts (also known as S-curve charts)
- Use of earned value analysis, including where it would be applied in project life-cycle (Note: it is not expected that candidates be able to calculate and interpret earned value figures)
The reporting cycle
- Reporting structures in projects
- Timing, personnel and purpose of different types of reporting meetings
Corrective action
- Tolerance and contingency
- Exception reports and plans
- Management procedures involved in changing plans
- Options, including extending or staggering deadlines, increasing resources, reducing Functionality or quality requirements, cancelling the project etc.
4. Change Control and Configuration Management
Reasons for change and configuration management
Change control procedures
- Role of change control boards
- Generation of change requests
- Change request evaluation (e.g. its impact on the business case)
- Change request authorisation
Configuration management
- Purpose and procedures
- Identification of configuration items
- Product baselines
- Configuration management databases: content and use
5. Quality
Definitions of the term ‘quality e.g. ‘fitness for purpose
Quality control versus quality assurance
Defining quality: definition and measurement
Detection of defects during the project life cycle
Quality procedures: entry, process and exit requirements
Defect removal processes, including testing and reviews
Types of testing (including unit, integration, user acceptance, and regression testing)
The inspection process, peer reviews
Principles of IS0 9001:2000 quality management systems
supplier evaluation
6. Estimating
Effects of over and under-estimating
Effort versus duration; relationship between effort and cost
Estimates versus targets
Use of expert judgement (advantages and disadvantages)
The Delphi approach
Top-down estimating
- Identification of size drivers (e.g. function points etc)
- Identification of productivity rates (e.g. function points per day)
- Need for past project data to establish productivity rates
- Factors affecting productivity rates (e.g. staff experience)
- Estimation of effort for new projects using productivity rates and size drivers
Bottom up approaches to estimating
Use of analogy in estimating
7. Risk
Definition of the term ‘risk; components of risk: risk events (or triggers), probability, impact
Ways of categorising risk, e.g. business versus project
Identification and prioritisation of risk
Assessment of risk exposure (i.e. combining consideration of potential damage and probability of loss)
Risk responses and actions: risk prevention, reduction, acceptance, transfer and contingency planning
Typical risks associated with information systems development
Assessment of the costs/benefits of risk reduction activities
Maintenance of risk registers and risk logs
8. Project Communications and Project Organisation
Relationship between programmes and projects
Identifying stakeholders and their concerns
The project sponsor
Establishment of the project authority (e.g. project board, steering committee etc.)
Membership of project board/steering committee
Roles and responsibilities of project board, project manager, stage manager, team leader
Desirable characteristics of project manager
Role of project support office
The project team and matrix management
Reporting structures and responsibilities
Management styles and communication (including same time/same place; same time/different place, different time/same place, different time/different place)
Team building (including phases of team cohesion e.g. forming, storming, norming, performing, adjourning)
Team dynamics
Killexams Review | Reputation | Testimonials | Feedback
You already know the best and quickest way to pass the ISEB-PM1 exam.
When I needed to obtain my ISEB-PM1 certificate, I was in a rush to pass the exam. I turned to killexams.com for online help, and their material not only helped me pass the test but exceeded my expectations.
Where can I find ISEB-PM1 test study help?
I used killexams.com's ISEB test preparation materials to prepare for the ISEB-PM1 exam. It was challenging but overall very helpful in passing my ISEB-PM1 exam.
Go through these ISEB-PM1 test questions and forget about failing the exam.
I was unsure about passing the ISEB-PM1 exam, but with just a week to go, I switched to killexams.com mock test for guidance. I was pleasantly surprised by how the syllabus that I usually avoided turned out to be amusing to test. Thanks to killexams.com, I passed my test with flying colors.
Passing the ISEB-PM1 test became too easy! Unbelievable.
The quality of the killexams.com products is high, which assists applicants in their ISEB-PM1 test preparation. All the products I used to prepare for the ISEB-PM1 certification test were of excellent quality and helped me pass the test quickly.
I've found an excellent source of updated ISEB-PM1 materials.
Before using killexams.com, I had never used a Great Dump for my test preparation. However, their flexible material proved to be very effective for me, and I passed my ISEB-PM1 test with flying colors. I was an under-common candidate, but killexams.com helped me become successful. I only used killexams.com for my preparation and will continue to use their products for future exams. I scored 98% on the exam.
ISEB in test format
ISEB-PM1 Exam
User: Anne***** During my preparation for the ISEB-PM1 exam, I faced many challenges. Seeking help from friends proved futile as most of the material was vague and overwhelming. However, I discovered Killexams.com and its mock test material, which proved to be invaluable. I learned everything from top to bottom of the provided material, and it was precise. I answered all the given questions with the perfect option and passed the exam, and it brought countless happiness to my career. |
User: Shanina***** Passing the ISEB-PM1 test on my first attempt was possible because of the guidance I received from Killexams.com. I was well prepared and knew what to expect, thanks to the comprehensive Questions and Answers. My recommendation to other students is to study thoroughly and take the test seriously. |
User: Zenovia***** My roommate and I used killexams.com to prepare for their iseb-pm1 exam, and they both agreed that it was the best online resource available. They were both happy with their results, and I performed exceptionally well. Thanks to killexams.com for providing us with the guidance they needed to succeed. |
User: Sitka***** After failing my test twice, I discovered the Killexams.com certain and purchased their ISEB-PM1 Questions and Answers. The online test simulator was very helpful in training me to solve queries efficiently. By regularly simulating the exam, I was able to recognize the questions on the genuine test day and successfully become IT certified. |
User: Verochka***** In order to achieve a 93% score in the iseb-pm1 exam, I had to rely heavily on the killexams.com mock test material, which proved to be a lifesaver for me. Although I was worried about not having enough time to plan my preparation adequately, this package deal came through with its clear and concise answers. |
ISEB-PM1 Exam
Question: Can I buy just ISEB-PM1 test PDF dumps from killexams? Answer: Yes, Killexams ISEB-PM1 PDF and VCE use the same pool of questions so If you want to save money and still want the latest ISEB-PM1 mock test you can buy only ISEB-PM1 PDF dumps. |
Question: Will I see all the questions in genuine test from killexams ISEB-PM1 question bank? Answer: Yes. Killexams provide up-to-date genuine ISEB-PM1 test questions that are taken from the ISEB-PM1 test prep. These questions' answers are Checked by experts before they are included in the ISEB-PM1 question bank. |
Question: How many months I will be able to download the latest questions? Answer: You can choose from 3 months, 6 months and 12 months download accounts. During this period you will be able to download your ISEB-PM1 practice test as much time as you can. All the updates during this time will be provided in your account. |
Question: Should I try this wonderful source of genuine questions? Answer: We recommend experiencing killexams test prep and study guides for your ISEB-PM1 test because these ISEB-PM1 practice test are specially collected to ease the ISEB-PM1 test questions when asked in the genuine test. You will get good scores on the exam. |
Question: Does ISEB-PM1 test prep cover complete syllabus? Answer: Yes, killexams.com covers the complete ISEB-PM1 syllabus. Killexams is the best certification exams website that provides up-to-date and 100% valid test questions with practice tests. These VCE practice tests are very good for test practice to pass the test on the first attempt. Killexams team keeps on updating the practice test continuously. You can see all ISEB-PM1 course-related information from the ISEB-PM1 test page. |
https://www.pass4surez.com/art/read.php?keyword=ISEB+in+exam+format&lang=us&links=remove
Unquestionably it is hard assignment to pick dependable certification questions/answers assets regarding review, reputation and validity since individuals get sham because of picking incorrectly benefit. Killexams.com ensure to serve its customers best to its assets concerning ACTUAL EXAM QUESTIONS update and validity. The vast majority of other's sham report dissension customers come to us for the brain dumps and pass their exams joyfully and effortlessly. They never trade off on their review, reputation and quality on the grounds that killexams review, killexams reputation and killexams customer certainty is imperative to us. Uniquely they deal with killexams.com review, killexams.com reputation, killexams.com sham report objection, killexams.com trust, killexams.com validity, killexams.com report and killexams.com scam. On the off chance that you see any false report posted by their rivals with the name killexams sham report grievance web, killexams.com sham report, killexams.com scam, killexams.com protest or something like this, simply remember there are constantly awful individuals harming reputation of good administrations because of their advantages. There are a huge number of fulfilled clients that pass their exams utilizing killexams.com brain dumps, killexams PDF questions, killexams hone questions, killexams test simulator. Visit Killexams.com, their specimen questions and test brain dumps, their test simulator and you will realize that killexams.com is the best brain dumps site.
Which is the best practice tests website?
Sure, Killexams is completely legit together with fully good. There are several features that makes killexams.com genuine and legit. It provides up-to-date and completely valid test questions that contains real exams questions and answers. Price is extremely low as compared to almost all services online. The mock test are updated on standard basis utilizing most recent questions. Killexams account build up and product or service delivery is amazingly fast. Data downloading is unlimited and also fast. Assistance is avaiable via Livechat and E-mail. These are the characteristics that makes killexams.com a strong website that supply test prep with real exams questions.
Is killexams.com test material dependable?
There are several mock test provider in the market claiming that they provide 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 2024 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 mock test with the same frequency as they are updated in Real Test. test questions provided by killexams.com are Reliable, Up-to-date and validated by Certified Professionals. They maintain dumps questions 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 syllabus 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 mock test will be provided in your download Account. You can download Premium practice test files as many times as you want, There is no limit.
Killexams.com has provided VCE practice test Software to Practice your test by Taking Test Frequently. It asks the Real test Questions and Marks Your Progress. You can take test as many times as you want. There is no limit. It will make your test prep very fast and effective. When you start getting 100% Marks with complete Pool of Questions, you will be ready to take genuine Test. Go register for Test in Test Center and Enjoy your Success.
CCI-CSSM practice questions | 1D0-541 certification sample | 050-696 mock questions | USMLE free pdf | PDDM test cram | H13-629 test practice | C1000-173 test answers | UIPATH-RPAV1 practice questions | PSK-I sample test | NCIDQ question test | FSMC mock test | HCISPP test Questions | RRT-ACCS dumps questions | 1K0-002 free practice tests | CPEA free pdf | ACA-Sec1 study guide | 1D0-621 study guide | 3X0-202 past exams | SC-400 practice questions | GLO_CWM_LEVEL_I mock test |
ISEB-PM1 - Foundation Certificate in Project Management genuine Questions
ISEB-PM1 - Foundation Certificate in Project Management test Questions
ISEB-PM1 - Foundation Certificate in Project Management Latest Questions
ISEB-PM1 - Foundation Certificate in Project Management test
ISEB-PM1 - Foundation Certificate in Project Management learning
ISEB-PM1 - Foundation Certificate in Project Management learn
ISEB-PM1 - Foundation Certificate in Project Management Question Bank
ISEB-PM1 - Foundation Certificate in Project Management PDF download
ISEB-PM1 - Foundation Certificate in Project Management Real test Questions
ISEB-PM1 - Foundation Certificate in Project Management book
ISEB-PM1 - Foundation Certificate in Project Management Practice Test
ISEB-PM1 - Foundation Certificate in Project Management Free PDF
ISEB-PM1 - Foundation Certificate in Project Management test
ISEB-PM1 - Foundation Certificate in Project Management test Questions
ISEB-PM1 - Foundation Certificate in Project Management test format
ISEB-PM1 - Foundation Certificate in Project Management guide
ISEB-PM1 - Foundation Certificate in Project Management study help
ISEB-PM1 - Foundation Certificate in Project Management syllabus
ISEB-PM1 - Foundation Certificate in Project Management Latest Topics
ISEB-PM1 - Foundation Certificate in Project Management answers
ISEB-PM1 - Foundation Certificate in Project Management test prep
ISEB-PM1 - Foundation Certificate in Project Management Questions and Answers
ISEB-PM1 - Foundation Certificate in Project Management Practice Test
ISEB-PM1 - Foundation Certificate in Project Management PDF questions
ISEB-PM1 - Foundation Certificate in Project Management testprep
ISEB-PM1 - Foundation Certificate in Project Management test
ISEB-PM1 - Foundation Certificate in Project Management learn
ISEB-PM1 - Foundation Certificate in Project Management test success
ISEB-PM1 - Foundation Certificate in Project Management information source
ISEB-PM1 - Foundation Certificate in Project Management genuine Questions
ISEB-PM1 - Foundation Certificate in Project Management education
ISEB-PM1 - Foundation Certificate in Project Management test success
ISEB-PM1 - Foundation Certificate in Project Management test success
ISEB-PM1 - Foundation Certificate in Project Management test Questions
ISEB-PM1 - Foundation Certificate in Project Management cheat sheet
ISEB-PM1 - Foundation Certificate in Project Management Practice Questions
ISEB-PM1 - Foundation Certificate in Project Management test cram
ISEB-PM1 - Foundation Certificate in Project Management test Cram
ISEB-PM1 - Foundation Certificate in Project Management Latest Topics
ISEB-PM1 - Foundation Certificate in Project Management Practice Test
ISEB-PM1 - Foundation Certificate in Project Management PDF Download
ISEB-PM1 - Foundation Certificate in Project Management study help
ISEB-PM1 - Foundation Certificate in Project Management Question Bank
ISEB-PM1 - Foundation Certificate in Project Management study help
Other ISEB Practice Tests
ISEB-PM1 test cram | PC-BA-FBA-20 Question Bank | FCGIT test answers | FSDEV cbt | ISEBSWTINT-001 test prep | EUCOC test tips | RE18 study questions | ISEB-BA1 questions and answers | ISEB-SWTINT1 Study help |
Best practice tests You Ever Experienced
TFNSTRETEICT1100 VCE | SCNS-EN mock questions | OG0-061 english test questions | NSE6 examcollection | BONENT-CHBT test prep | COMPASS PDF Questions | E20-526 bootcamp | CPSM test example | DSST-HRM study help | C1000-074 PDF Download | CBDE practice exam | 1D0-541 free practice tests | BPM-001 test questions | CCSK test cram | HPE6-A85 test Questions | C2010-653 training material | DES-1121 mock questions | HPE6-A75 test answers | Servicenow-CIS-EM free questions | ABEM-EMC mock exam |
References :
https://www.coursehero.com/file/66638553/ISEB-PM1pdf/
https://arfansaleemfan.blogspot.com/2020/09/iseb-pm1-foundation-certificate-in.html
https://sites.google.com/view/killexams-iseb-pm1-exam-cram
http://killexamstestprep.blogdigy.com/iseb-pm1-foundation-certificate-in-project-management-question-bank-with-real-questions-by-killexams-com-11393657
http://killexams1.isblog.net/iseb-pm1-foundation-certificate-in-project-management-dumps-with-real-questions-by-killexams-com-14560807
http://feeds.feedburner.com/NeverMissTheseEk0-001QuestionsBeforeYouGoForTest
https://www.instapaper.com/read/1399858483
https://killexams101.medium.com/very-useful-and-easy-pass4sure-iseb-pm1-actual-test-2021-by-killexams-2eb36c60fd8d
https://files.fm/f/kbj6fsdwa
Similar Websites :
Pass4sure Certification test Practice Tests
Pass4Sure Certification Question Bank
ISEB-PM1 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 ISEB-PM1 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