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 PAL-EBM?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der PAL-EBM: Professional Agile Leadership - Evidence Based Management (PAL-EBM) Prüfung.

2024 Updated Actual PAL-EBM questions as experienced in Test Center

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

E html>

Scrum PAL-EBM : Professional Agile Leadership - Evidence Based Management (PAL-EBM) Practice Tests

Practice Tests Organized by Martin Hoax



Latest 2024 Updated Scrum Professional Agile Leadership - Evidence Based Management (PAL-EBM) Syllabus
PAL-EBM 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




PAL-EBM examcollection : Download 100% Free PAL-EBM practice tests (PDF and VCE)

Exam Number : PAL-EBM
Exam Name : Professional Agile Leadership - Evidence Based Management (PAL-EBM)
Vendor Name : Scrum
Update : Click Here to Check Latest Update
Question Bank : Check Questions

Pass4sure PAL-EBM boot camp and PDF Questions
Before taking the actual exam, ensure that you have a copy of their genuine Scrum PAL-EBM Mock Exam for your Professional Agile Leadership - Evidence Based Management (PAL-EBM) exam preparation. They provide the most updated and valid PAL-EBM Dumps, containing genuine test questions that they have collected from real exams.

Preparing for an important exam like the Scrum PAL-EBM exam can be a daunting task, especially when you don't have access to reliable study materials. At killexams.com, they understand the importance of having accurate and updated exam Questions and Answers to help you pass your Professional Agile Leadership - Evidence Based Management (PAL-EBM) exam with ease. That's why they offer a free PAL-EBM boot camp containing actual exam Questions and Answers to provide you an idea of what to expect on the real test.

Our free PAL-EBM boot camp is carefully curated to include genuine test inquiries, providing you with the opportunity to test your knowledge and skills before taking the actual exam. By going through their free PAL-EBM boot camp, you will have a better understanding of the types of questions you may encounter on the test day. This will help you to prepare more effectively and confidently, improving your chances of passing the Scrum PAL-EBM exam on your first attempt.

At killexams.com, they pride ourselves on offering comprehensive and updated PAL-EBM boot camp to help their customers succeed in their exams. Their PAL-EBM boot camp is regularly updated to ensure that you have access to the most current exam questions and answers. They understand that taking the Scrum PAL-EBM exam can be stressful, which is why they want to make sure that you have the best study materials available to help you prepare.







PAL-EBM exam Format | PAL-EBM Course Contents | PAL-EBM Course Outline | PAL-EBM exam Syllabus | PAL-EBM exam Objectives


Exam Specification:

- exam Name: Professional Agile Leadership - Evidence Based Management (PAL-EBM)
- exam Code: PAL-EBM
- exam Duration: 1 hour and 30 minutes
- exam Format: Multiple-choice and multiple-select questions

Course Outline:

1. Introduction to Professional Agile Leadership (PAL) and Evidence Based Management (EBM)
- Understanding the role of Agile leaders in driving organizational success
- Overview of Evidence Based Management principles and its application in Agile environments
- Introduction to key metrics and measurement techniques in EBM

2. EBM Foundations and Metrics
- Exploring the four key EBM domains: Current Value, Unrealized Value, Time to Market, and Ability to Innovate
- Understanding how to measure and track EBM metrics within an Agile organization
- Utilizing data-driven insights to make informed decisions and drive improvement

3. Aligning Goals and Objectives
- Setting clear organizational goals and objectives that align with Agile principles
- Establishing key results and performance indicators to measure progress and success
- Creating a culture of transparency, accountability, and collaboration

4. Building High-Performing Teams
- Developing and nurturing self-organizing Agile teams
- Fostering a culture of continuous learning and improvement within teams
- Empowering teams to make data-driven decisions and take ownership of their work

5. Agile Leadership Practices
- Leading by example and embodying Agile values and principles
- Removing impediments and creating an environment conducive to Agile success
- Supporting and coaching teams in adopting Agile practices

6. Agile Transformation and Change Management
- Leading organizational change towards Agile ways of working
- Identifying and addressing resistance to change
- Creating a shared vision and empowering individuals to drive change

Exam Objectives:

1. Understand the principles and practices of Professional Agile Leadership.
2. Apply Evidence Based Management principles and metrics in an Agile context.
3. Align organizational goals and objectives with Agile principles.
4. Build and support high-performing Agile teams.
5. Demonstrate Agile leadership practices and behaviors.
6. Lead Agile transformation and change management efforts.

Exam Syllabus:

The exam syllabus covers the following subjects (but is not limited to):

- Introduction to Professional Agile Leadership and Evidence Based Management
- EBM foundations and metrics
- Aligning goals and objectives in Agile organizations
- Building and nurturing high-performing Agile teams
- Agile leadership practices and behaviors
- Agile transformation and change management



Killexams Review | Reputation | Testimonials | Feedback


How many days of training are required to pass the PAL-EBM exam?
Thanks to your excellent practice tests test material, I was able to pass the PAL-EBM exam within weeks with a 96% score. I am now very confident that I can do even better in my remaining three tests by using your exercise material and recommending it to my friends. Thank you very much for your fantastic online exam simulator product.


I have everything required to pass the PAL-EBM exam.
I had an outstanding experience using killexams.com as my exam preparation tool for the PAL-EBM exam, and I even received a maximum score! The exam simulator and practice exam format helped me memorize the material very well, allowing me to draw upon this knowledge in the future. Additionally, the quality of the materials is superb, and the exam simulator is very light and user-friendly. I didn't encounter any issues, making this an excellent value for the money.


Did you attempt this great source of updated practice tests?
I found passing the PAL-EBM exam challenging until I stumbled upon killexams.com's questions and answers. Some of the subjects were difficult, and I had failed to understand them even after attempting to study the books. However, their practice test helped me recognize the subjects and enabled me to wrap up my preparation in just 10 days. Thank you, killexams.com, for your tremendous guide.


Where will I find prep materials for the PAL-EBM exam?
For busy professionals like us, having access to practice Questions and Answers anytime, anywhere is invaluable. I am immensely grateful to killexams.com for creating this incredible practice material, which proved to be very useful during the last few days leading up to the exam. With their revision practice tests, I secured 88% in the PAL-EBM Exam. My only suggestion to the team is to expand their offering by creating an android app so that people like us can study on-the-go.


It is unbelievable, but updated PAL-EBM practice tests are available right here.
As a captain persuades the deliver and a pilot steers the plane, killexams.com acted as my captain or pilot and set me on the right course before my PAL-EBM exam. Their instructions and guidance led me in the right direction and ultimately helped me achieve success in the exam. I will forever be obliged to this online Test Center for that moment of glory.


Scrum Management syllabus

PAL-EBM Exam

User: Trinidad*****

I am pleased to inform you that I have passed my pal-ebm exam, thanks to killexams.com. All the questions on the exam were from this platform. It was an excellent resource for me on the pal-ebm exam, and I credit my accomplishment to it. The study material guided me precisely in attempting the questions in the pal-ebm exam. With the help of this platform, I was able to answer all the questions on the exam with ease, and I believe it guarantees 100% success in the exam.
User: Lyubov*****

Choosing killexams.com to prepare for my pal-ebm exam was one of the best decisions I made. The Questions and Answers provided are so well-structured that they help enhance ones knowledge by the time they reach the simulation exam. I appreciate their efforts and would like to thank them for their support in helping me pass the exam. Keep up the good work, killexams.com.
User: Kathleen*****

Before using killexams.com, I lacked confidence when it came to taking tests. But after preparing for the pal-ebm exam with their materials, I am now fully confident and ready to take on any exam effortlessly. I highly recommend this website to anyone who is struggling with low self-belief.
User: Venera*****

Thank you for the PAL-EBM practice tests. I was able to identify most of the questions and simulations that were already covered in your practice tests. I scored 97% marks in the exam. After memorizing several books, I was still confused about the right material to use for exam preparation. I was looking for an easy-to-understand guideline for the PAL-EBM exam with simple questions and answers, and Killexams.com Questions and Answers satisfied my need by defining the complicated subjects in the most effective manner. In the actual exam, I scored 97%, which exceeded my expectation. Thanks to Killexams.com for their awesome guideline.
User: Tahnee*****

The team at Killexams.com provides valuable practice Questions and Answers with explanations. Thanks to their question banks, I have passed exams like pal-ebm with 95% marks. The unique and accurately described answers in their mock tests were very helpful. Keep up the great work.

PAL-EBM Exam

Question: How can I contact killexams technical Support?
Answer: You can contact technical support via live chat or email to support. Their technical support team handles all exam-related queries.
Question: Which is best certification dumps website?
Answer: Of course, the best certification practice test website is killexams.com. It offers the latest and up-to-date exam Questions and Answers to memorize and pass the exam on the first attempt.
Question: I travel a lot, How can I study for my exam?
Answer: Killexams provide a PDF version of exams that can be printed to make a book or obtain PDF Questions and Answers on mobile or iPad or other devices to read and prepare the exam while you are traveling. You can practice on the exam simulator when you are on your laptop.
Question: Do I need actual questions of the PAL-EBM exam to pass the exam?
Answer: Yes, sure. You need actual PAL-EBM questions to pass the exam. Killexams.com provides real PAL-EBM exam Questions and Answers that appear in the actual exam. You should have face all the questions in your real test that they provided you.
Question: Where am I able to obtain PAL-EBM test prep?
Answer: Killexams.com is the right place to obtain the latest and up-to-date PAL-EBM test prep that work great in the actual PAL-EBM test. These PAL-EBM questions are carefully collected and included in PAL-EBM question bank. You can register at killexams and obtain the complete question bank. Practice with PAL-EBM exam simulator and get Good Marks in the exam.
Scrum+Management+syllabus
https://www.pass4surez.com/art/read.php?keyword=Scrum+Management+syllabus&lang=us&links=remove

Whilst it is very hard task to choose reliable exam Questions and Answers resources regarding review, reputation and validity because people get ripoff due to choosing incorrect service. Killexams make it sure to provide its clients far better to their resources with respect to cheatsheet update and validity. Most of other peoples ripoff report complaint clients come to us for the brain dumps and pass their exams enjoyably and easily. They never compromise on their review, reputation and quality because killexams review, killexams reputation and killexams client self confidence is important to all of us. Specially they manage killexams.com review, killexams.com reputation, killexams.com ripoff report complaint, killexams.com trust, killexams.com validity, killexams.com report and killexams scam. If perhaps you see any bogus report posted by their competitor with the name killexams ripoff report complaint internet, killexams.com ripoff report, killexams.com scam, killexams.com complaint or something like this, just keep in mind that there are always bad people damaging reputation of good services due to their benefits. There are a large number of satisfied customers that pass their exams using killexams.com brain dumps, killexams PDF questions, killexams practice questions, killexams exam simulator. Visit their test questions and demo brain dumps, their exam simulator and you will definitely know that killexams.com is the best brain dumps site.

Which is the best practice tests website?
Certainly, Killexams is 100 % legit and even fully well-performing. There are several options that makes killexams.com traditional and legit. It provides up to date and 100 % valid exam questions that contain real exams questions and answers. Price is really low as compared to many of the services on internet. The Questions and Answers are up to date on ordinary basis having most latest questions. Killexams account launched and device delivery can be quite fast. Computer file downloading is unlimited and intensely fast. Service is avaiable via Livechat and E-mail. These are the features that makes killexams.com a sturdy website that provide exam prep with real exams questions.



Is killexams.com test material dependable?
There are several Questions and Answers provider in the market claiming that they provide actual 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 and 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 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 obtain PDF exam Questions from killexams.com and get ready for actual exam. When you feel that you should register for Premium Version, Just choose visit killexams.com and register, you will receive your Username/Password in your Email within 5 to 10 minutes. All the future updates and changes in Questions and Answers will be provided in your obtain Account. You can obtain 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 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 actual Test. Go register for Test in Test Center and Enjoy your Success.




QAW1301 prep questions | C1000-110 test questions | CT-TAE exam prep | CHHE Latest subjects | COMLEX-USA practical test | NY-Property-and-Casualty mock questions | NS0-403 Latest Questions | 1Y0-204 writing test questions | AZ-400 free pdf | CPNP-PC exam papers | CCRN practice test | ASM practice exam | CAP question test | CHPPN free pdf | 050-694 practice questions | QV12SA pass marks | SOA-C02 VCE | HPE0-V17 test prep | 3X0-202 obtain | CCI-CSSM mock questions |


PAL-EBM - Professional Agile Leadership - Evidence Based Management (PAL-EBM) Free exam PDF
PAL-EBM - Professional Agile Leadership - Evidence Based Management (PAL-EBM) questions
PAL-EBM - Professional Agile Leadership - Evidence Based Management (PAL-EBM) PDF questions
PAL-EBM - Professional Agile Leadership - Evidence Based Management (PAL-EBM) tricks
PAL-EBM - Professional Agile Leadership - Evidence Based Management (PAL-EBM) exam Questions
PAL-EBM - Professional Agile Leadership - Evidence Based Management (PAL-EBM) tricks
PAL-EBM - Professional Agile Leadership - Evidence Based Management (PAL-EBM) exam contents
PAL-EBM - Professional Agile Leadership - Evidence Based Management (PAL-EBM) book
PAL-EBM - Professional Agile Leadership - Evidence Based Management (PAL-EBM) exam success
PAL-EBM - Professional Agile Leadership - Evidence Based Management (PAL-EBM) boot camp
PAL-EBM - Professional Agile Leadership - Evidence Based Management (PAL-EBM) teaching
PAL-EBM - Professional Agile Leadership - Evidence Based Management (PAL-EBM) Free PDF
PAL-EBM - Professional Agile Leadership - Evidence Based Management (PAL-EBM) Questions and Answers
PAL-EBM - Professional Agile Leadership - Evidence Based Management (PAL-EBM) Test Prep
PAL-EBM - Professional Agile Leadership - Evidence Based Management (PAL-EBM) course outline
PAL-EBM - Professional Agile Leadership - Evidence Based Management (PAL-EBM) information search
PAL-EBM - Professional Agile Leadership - Evidence Based Management (PAL-EBM) tricks
PAL-EBM - Professional Agile Leadership - Evidence Based Management (PAL-EBM) study help
PAL-EBM - Professional Agile Leadership - Evidence Based Management (PAL-EBM) learning
PAL-EBM - Professional Agile Leadership - Evidence Based Management (PAL-EBM) test
PAL-EBM - Professional Agile Leadership - Evidence Based Management (PAL-EBM) boot camp
PAL-EBM - Professional Agile Leadership - Evidence Based Management (PAL-EBM) real questions
PAL-EBM - Professional Agile Leadership - Evidence Based Management (PAL-EBM) exam syllabus
PAL-EBM - Professional Agile Leadership - Evidence Based Management (PAL-EBM) actual Questions
PAL-EBM - Professional Agile Leadership - Evidence Based Management (PAL-EBM) boot camp
PAL-EBM - Professional Agile Leadership - Evidence Based Management (PAL-EBM) study tips
PAL-EBM - Professional Agile Leadership - Evidence Based Management (PAL-EBM) PDF download
PAL-EBM - Professional Agile Leadership - Evidence Based Management (PAL-EBM) exam Cram
PAL-EBM - Professional Agile Leadership - Evidence Based Management (PAL-EBM) outline
PAL-EBM - Professional Agile Leadership - Evidence Based Management (PAL-EBM) Practice Test
PAL-EBM - Professional Agile Leadership - Evidence Based Management (PAL-EBM) tricks
PAL-EBM - Professional Agile Leadership - Evidence Based Management (PAL-EBM) exam syllabus
PAL-EBM - Professional Agile Leadership - Evidence Based Management (PAL-EBM) test
PAL-EBM - Professional Agile Leadership - Evidence Based Management (PAL-EBM) boot camp
PAL-EBM - Professional Agile Leadership - Evidence Based Management (PAL-EBM) exam format
PAL-EBM - Professional Agile Leadership - Evidence Based Management (PAL-EBM) test
PAL-EBM - Professional Agile Leadership - Evidence Based Management (PAL-EBM) test
PAL-EBM - Professional Agile Leadership - Evidence Based Management (PAL-EBM) Free PDF
PAL-EBM - Professional Agile Leadership - Evidence Based Management (PAL-EBM) Real exam Questions
PAL-EBM - Professional Agile Leadership - Evidence Based Management (PAL-EBM) questions
PAL-EBM - Professional Agile Leadership - Evidence Based Management (PAL-EBM) test
PAL-EBM - Professional Agile Leadership - Evidence Based Management (PAL-EBM) learn
PAL-EBM - Professional Agile Leadership - Evidence Based Management (PAL-EBM) information hunger
PAL-EBM - Professional Agile Leadership - Evidence Based Management (PAL-EBM) premium pdf

Other Scrum Practice Tests


DASSM free pdf download | PAL-EBM free questions | PSPO-II Practice Questions | PSM-I practice questions | Scrum-PSD cram | Scrum-Master-Certified past exams | PSK-I Latest Topics | PAL-I Questions and Answers | Scrum-PSD-I practice test | Scrum-PSM-II practice exam | Scrum-SPS free prep | PSPO-I test sample | DASM writing test questions |


Best practice tests You Ever Experienced


CDL practice exam | CFSA questions answers | OGBA-101 exam questions | PMP-2024 pdf exam | 050-SEPROGRC-01 Practice Questions | CFE-INVESTIGATIONS questions and answers | IIBA-AAC Study Guide | TA-002-P free questions | NCP-MCI free practice test | ACD100 VCE | MD0-235 practice exam | 001-ARXConfig boot camp | NBSTSA-CST cbt | 2V0-21.23 Latest Questions | PSA-2023 Latest Topics | RTRP demo questions | MB-330 demo test | Integration-Architecture-Designer exam cram | 920-552 PDF Download | PEGAPCLSA86V2 prep questions |





References :





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






Direct Download

PAL-EBM 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.

PAL-EBM Reviews

100% Valid and Up to Date PAL-EBM 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