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 MB-310?
Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der MB-310: Microsoft Dynamics 365 for Finance and Operations- Financials (2025) Prüfung.
2025 Updated Actual MB-310 questions as experienced in Test Center
Aktuelle MB-310 Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz
![]() Microsoft MB-310 : Microsoft Dynamics 365 for Finance and Operations, Financials (2025) Practice TestsPractice Tests Organized by Martha nods |
Latest 2025 Updated Microsoft Microsoft Dynamics 365 for Finance and Operations, Financials (2025) Syllabus
MB-310 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
MB-310 examcollection : Download 100% Free MB-310 practice questions (PDF and VCE)
Exam Number : MB-310
Exam Name : Microsoft Dynamics 365 for Finance and Operations, Financials (2025)
Vendor Name : Microsoft
Update : Click Here to Check Latest Update
Question Bank : Check Questions
High Scores in MB-310 test with these Exam Cram
We take pride in assisting individuals to pass the Microsoft Dynamics 365 for Finance and Operations, Financials (2025) exam on their first attempt with their latest, valid, and exceptional MB-310 test questions and answers. Their success over the past two years is due to their satisfied clients who have been able to advance in their respective organizations. killexams.com is the preferred choice among certificate experts.
Our PDF Practice Questions has helped countless applicants pass the MB-310 examination with ease. It is uncommon for candidates who study and practice with their MB-310 Questions and Answers to perform poorly or fail in the genuine exam. Many of their clients have experienced significant improvements in their knowledge and have passed the MB-310 exam on their first attempt. This is due to the fact that they have thoroughly read and understood their MB-310 PDF Download, which has helped to enhance their understanding of the subject matter. As a result, they are able to apply their knowledge as experts in real-world scenarios within their respective organizations. They don't just focus on helping individuals pass the MB-310 exam with their questions and answers, but they also aim to Excellerate their overall knowledge of MB-310 subjects and objectives. Their clients trust in their MB-310 Question Bank as a result.
To make studying more convenient, their MB-310 PDF Download PDF can be easily replicated onto any device, allowing you to read and memorize the genuine MB-310 questions while on the go. This saves a significant amount of time, enabling you to allocate more time to studying MB-310 questions. Continuously practice with their MB-310 Questions and Answers using their VCE test simulator until you have achieved a 100% score. Once you feel confident, you can then proceed to the genuine MB-310 exam center for the real exam.

MB-310 exam Format | MB-310 Course Contents | MB-310 Course Outline | MB-310 exam Syllabus | MB-310 exam Objectives
Set up and configure financial management (35-40%)
Manage and apply common processes (20-25%)
Implement and manage accounts payable and receivable (20-25%)
Manage budgeting and fixed assets (15-20%)
Set up and configure financial management (35-40%)
Implement and configure financial modules
• configure and apply accrual schemes
• configure cash flow reports
• configure the letter of credit and letter of guarantee templates
• set up intercompany accounting
• create and configure account structures
• configure other modules including cash and bank management and budgeting, credit and collections, audit workbench, and consolidations
• implement posting definitions
Implement and test cost and allocation policies
• implement cost accounting processes
• implement inventory costing versions
• implement item groups
• create and process Ledger allocation rules
• demonstrate use of cost accounting terminology
• construct fiscal calendars, years, and periods
Perform periodic processes
• configure financial period close
• define and demonstrate periodic closing processes and end-of-year processes
• demonstrate regional tax reporting capabilities
• perform bank reconciliation
• perform financial consolidation
• create a cost accounting report by using the cost accounting Report Wizard
• allocate funds by using Accounting distributions
Configure, collect, and report taxes
• configure tax components
• implement and test end-of-year tax reporting
• prepare periodic filings
Manage and apply common processes (20-25%)
Define and configure the account structure
• demonstrate the advanced ledger entries functionality
• set up derived financial hierarchies
• demonstrate financial consolidation and elimination processes
• set up funds
• define and configure the main account
• define and configure the financial dimensions and dimension sets
• perform financial statements
• perform tracking of posted transactions
Implement regulatory and localization features and manage currencies
• set up legal entity currencies and conversions
• configure currency exchange rate providers
• implement foreign currency revaluation processes
• determine which regulatory and localization features to apply to a given scenario
Implement and manage journals
• identify the different types of journals available and their setup
• set up journal controls
• configure the journal posting restriction rules
• configure approval processes by using workflows
• create voucher templates
• perform daily procedures using journals
Implement and manage accounts payable and receivable (20-25%)
Implement and manage Accounts receivable
• set up customer posting profiles
• manage delinquent customers
• configure billing codes for free text invoices, process orders, invoices, and payments
• configure and process credit and collection
• configure customer payment setup
• prepare and send customer account statements
• configure accounts receivable charges
Implement and manage Accounts payable
• configure invoice validation policies
• set up vendor posting profile, process orders, invoices, and payments
• configure the Vendor collaboration module
• configure vendor payments
• configure accounts payable charges
Manage budgeting and fixed assets (15-20%)
Configure and manage Budgeting processes
• configure budgeting components
• create a budget plan template
• create a budget plan by using the budget plan wizard
• perform the budget planning process
• configure budget controls
• create and demonstrate registry entries
• implement budget workflows
Implement and manage fixed assets
• create fixed assets and fixed assets groups
• configure fixed asset parameters
• identify when to enable integration with purchasing and sales module
• perform acquisition, depreciation, and disposal of fixed assets
Killexams Review | Reputation | Testimonials | Feedback
Take a smart move to pass the MB-310 exam.
I was impressed to see that the MB-310 braindump was updated with new scenarios that I didn't expect to find anywhere else. I recently took my first MB-310 exam, and now I plan to order the updated version.
Real MB-310 questions and correct answers! They justify the cost.
I thought that passing the MB-310 exam would be difficult, but thanks to killexams.com, I realized that it was not impossible. Killexams.com helped me regain my confidence and pass the exam, which I had been struggling with for a while. I hope to continue using killexams.com's study material for future exams.
It is wonderful to have genuine MB-310 test questions.
Thanks to killexams.com, I was able to pass my MB-310 exam with high marks. Their mock exam were extremely helpful, and I would not have been able to achieve such a great score without their assistance. I highly recommend their resources for anyone taking similar exams.
No extra effort is required to pass the MB-310 exam.
My planning for the MB-310 exam was incorrect, and the subjects appeared difficult to me. However, with the help of the mock exam provided by killexams.com, I was able to overcome my difficulties. I am grateful to the site for its assistance. The material was easy to understand and retain, and I was able to score 92%, which was quite impressive considering my one-week preparation.
Can I find the phone number of MB-310 certified experts?
Thanks to killexams.com, I passed the MB-310 exam. The questions, subjects, and test courses were accurate. The format of the exam was convenient and flexible, allowing me to practice in various formats. I especially enjoyed using the exam simulator, which completely simulated the exam and was vital for the MB-310 exam. I will continue to use killexams.com for my future certification exams.
Microsoft Financials study tips
MB-310 Exam
User: Shura*****![]() ![]() ![]() ![]() ![]() Overall, killexams.com proved to be a great way for me to prepare for the MB-310 exam, and I passed. However, I was a bit disappointed that all the questions in the exam were not 100% similar to what killexams.com provided. Over 70% had been equal, and the rest were very comparable. I am not sure if this is a good thing or not, but I managed to pass, and that is what matters. Nonetheless, I want to remind everyone that despite using killexams.com, you still need to study and use your brain. |
User: Manuel*****![]() ![]() ![]() ![]() ![]() To ensure success in the MB-310 exam, I turned to Killexams.com for assistance. I chose it for several reasons: their analysis of the MB-310 exam concepts and rules was excellent, the material was user-friendly, and the instructors were super-nice and resourceful. The practice questions were able to remove all problems related to the topics. Their material provided a significant contribution to my preparation and enabled me to succeed. I can firmly state that it helped me achieve my success. |
User: Daniela*****![]() ![]() ![]() ![]() ![]() The mb-310 exam is not easy, but with Killexams.com preparation package, I scored a perfect 100%. The package includes genuine exam questions, modern updates, and extra materials to ensure that you understand what needs to be learned. I used their exam simulator extensively, which gave me the confidence to pass the exam on the day. This has been a tremendous investment in my career, and I have proudly included my marks on my resume and Linkedin profile as a recognition booster. |
User: Faye*****![]() ![]() ![]() ![]() ![]() I have never come across better exam education than what killexams.com offers for the mb-310 exam. I passed the exam without any stress, problems, or frustrations, as I knew everything I needed to comprehend from killexams.com mb-310 Questions set. The questions are valid, and their cashback guarantee works, too. They make it easy to pass, and I will use them for my next certification test. |
User: Steve*****![]() ![]() ![]() ![]() ![]() The MB-310 exam was the hardest one I have ever encountered, and I failed it miserably after months of studying. However, after incorporating Killexams.com into my routine and utilizing their exam simulator and real exam questions, I was able to pass the exam on my second attempt. I wish I had used Killexams.com from the beginning, as it would have provided me with a more effective exam preparation. |
MB-310 Exam
Question: Which is the best and accurate way to pass MB-310 exam? Answer: This is very simple. Visit killexams.com. Register and download the latest and 100% valid real MB-310 exam questions with VCE practice tests. You just need to memorize and practice these questions and reset ensured. You will pass the exam with good marks. |
Question: Do you suggest me to try these MB-310 real exam examcollection and study guides? Answer: Yes, of course. They recommend you to go through these MB-310 question banks before you take the genuine test. These Q&As will help you greatly in passing your exam with good marks. |
Question: Where am I able to locate Free MB-310 genuine questions and questions? Answer: When you visit the killexams MB-310 exam page, you will be able to download MB-310 free questions questions. You can also go to https://killexams.com/demo-download/MB-310.pdf to download MB-310 demo questions. After review visit and register to download the complete examcollection of MB-310 exam test prep. These MB-310 exam questions are taken from genuine exam sources, that's why these MB-310 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 MB-310 questions are enough to pass the exam. |
Question: The same MB-310 questions in the genuine test, Is it possible? Answer: Yes, It is possible and it is happening in the case of these MB-310 exam questions. They are taken from genuine exam sources, that's why these MB-310 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 MB-310 questions are sufficient to pass the exam. |
Question: Can you believe, all MB-310 questions I read have been asked? Answer: Yes, all the questions belong to the genuine MB-310 question bank, so they appear in the real exam and you experience the exam lot easier than without these MB-310 questions. |
https://www.pass4surez.com/art/read.php?keyword=Microsoft+Financials+study+tips&lang=us&links=remove
While it is hard job to pick solid certification questions/answers regarding review, reputation and validity since individuals get sham because of picking incorrec service. Killexams.com ensure to serve its customers best to its efforts as for exam dumps update and validity. Most of other's post false reports with objections about us for the brain dumps bout their customers pass their exams cheerfully and effortlessly. They never bargain on their review, reputation and quality because killexams review, killexams reputation and killexams customer certainty is imperative to us. Extraordinarily they deal with false killexams.com review, killexams.com reputation, killexams.com scam reports. killexams.com trust, killexams.com validity, killexams.com report and killexams.com that are posted by genuine customers is helpful to others. If you see any false report posted by their opponents with the name killexams scam report on web, killexams.com score reports, killexams.com reviews, killexams.com protestation or something like this, simply remember there are constantly terrible individuals harming reputation of good administrations because of their advantages. Most clients that pass their exams utilizing killexams.com brain dumps, killexams PDF questions, killexams practice questions, killexams exam VCE simulator. Visit their example questions and test brain dumps, their exam simulator and you will realize that killexams.com is the best exam dumps site.
Which is the best practice questions website?
Sure, Killexams is 100 percent legit as well as fully well-performing. There are several attributes that makes killexams.com unique and legitimized. It provides knowledgeable and 100 percent valid exam questions including real exams questions and answers. Price is very low as compared to many of the services online. The mock exam are refreshed on ordinary basis through most accurate questions. Killexams account make and product or service delivery is extremely fast. Report downloading can be unlimited and really fast. Assist is avaiable via Livechat and E-mail. These are the characteristics that makes killexams.com a robust website which provide exam prep with real exams questions.
Is killexams.com test material dependable?
There are several mock exam 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 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 exam mock exam 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 examcollection 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 subjects of new syllabus, They recommend to download 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 mock exam will be provided in your download Account. You can download 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 Exam Center and Enjoy your Success.
CIS-CPG mock exam | 050-708 PDF download | AHM-540 free exam papers | 010-160 questions answers | E20-562 study guide | ICDL-ACCESS pdf questions | GPTS Real exam Questions | ACP-620 exam cram | MB-920 practice exam | 040-444 exam results | PCEP-30-02 Practice Questions | AND-401 study guide | H12-111_V2.5-ENU practice questions | JN0-413 examcollection | PEGAPCSSA86V1 exam tips | 1Y0-241 study material | NLN-Pharmacology exam questions | Servicenow-CIS-ITSM free pdf | NCEES-PE-Civil-Structural study guide | CIFC Latest subjects |
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2025) PDF Questions
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2025) exam contents
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2025) Study Guide
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2025) tricks
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2025) learning
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2025) learning
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2025) information source
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2025) information source
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2025) Latest Topics
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2025) syllabus
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2025) cheat sheet
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2025) certification
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2025) answers
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2025) exam Questions
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2025) genuine Questions
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2025) PDF questions
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2025) guide
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2025) Practice Questions
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2025) exam syllabus
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2025) Premium PDF
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2025) tricks
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2025) PDF Download
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2025) syllabus
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2025) Questions and Answers
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2025) Test Prep
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2025) testprep
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2025) Free PDF
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2025) information source
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2025) exam
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2025) study help
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2025) Latest Topics
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2025) PDF Questions
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2025) test
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2025) teaching
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2025) real questions
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2025) PDF Questions
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2025) exam help
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2025) exam format
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2025) Premium PDF
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2025) exam Questions
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2025) practice tests
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2025) test prep
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2025) learn
MB-310 - Microsoft Dynamics 365 for Finance and Operations, Financials (2025) exam contents
Other Microsoft Practice Tests
PL-600 Latest Questions | AZ-801 Practice Questions | MB-210 cram book | MOFF-EN PDF Download | DP-420 practice questions | MB-220 study questions | SC-300 writing test questions | MS-720 Study help | MO-100 questions answers | MB-330 examcollection | MD-101 pass exam | DP-900 test prep | MD-102 VCE | AZ-305 prep questions | AZ-800 test exam | AZ-500 pdf study guide | AZ-720 exam cram | PL-300 mock questions | MS-101 practice questions | PL-400 study material |
Best practice questions You Ever Experienced
F50-528 pass exam | PEGAPCSSA85V1 study guide | 4A0-255 demo questions | DES-1B21 mock exam | 920-805 pass marks | C1000-127 test prep | A00-240 free prep | NS0-520 exam answers | BCS-BAP questions and answers | 156-110 Question Bank | ABV free questions | ITS-210 exam test | PEGAPCSA85V1 mock exam | LFCS training material | HESI-A2 exam Questions | BCCPP Study Guide | AIP-210 Study help | NHA-AIT demo test questions | 1Y0-241 free questions | MB-300 study help |
References :
https://www.instapaper.com/read/1314946598
https://killexams-posting.dropmark.com/817438/23630904
https://killexams-posting.dropmark.com/817438/23725058
http://killexams12.blogdigy.com/mb-310-microsoft-dynamics-365-for-finance-and-operations-financials-beta-2021-updated-questions-and-answers-by-killexams-com-11393898
http://killexams1.isblog.net/mb-310-microsoft-dynamics-365-for-finance-and-operations-financials-beta-questions-and-answers-by-killexams-com-14566860
https://sites.google.com/view/killexams-mb-310-pdf-download
https://www.coursehero.com/file/79342707/Microsoft-Dynamics-365-for-Finance-and-Operations-Financials-beta-MB-310pdf/
https://killexams-mb-310.jimdofree.com/
http://feeds.feedburner.com/Pass4sureHp0-m26RealQuestionBank
https://files.fm/f/gzvc5dgxc
Similar Websites :
Pass4sure Certification exam Practice Tests
Pass4Sure Certification Question Bank
MB-310 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 MB-310 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