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 PET?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der PET: Professional Employment Test (PET) Prüfung.

2024 Updated Actual PET questions as experienced in Test Center

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

E html>

HR PET : Professional Employment Test (PET) Practice Tests

Practice Tests Organized by Lee



Latest 2024 Updated HR Professional Employment Test (PET) Syllabus
PET dumps collection with Premium PDF and Test Engine

Practice Tests and Free VCE Software - Questions Updated on Daily Basis
Big Discount / Cheapest price & 100% Pass Guarantee




PET dumps collection : Download 100% Free PET practice tests (PDF and VCE)

Exam Number : PET
Exam Name : Professional Employment Test (PET)
Vendor Name : HR
Update : Click Here to Check Latest Update
Question Bank : Check Questions

Go through HR PET Mock Questions and Latest Topics with Free exam PDF
Are you searching for HR Professional Employment Test (PET) Study Guides of actual questions for the Professional Employment Test (PET) exam preparation? They offer recently updated and great PET Mock Exam. They have compiled a database of PET Exam Questions from real exams that you can download, memorize and pass the PET exam on the first attempt. Just prepare their PET Exam Cram and rest assured. You will pass the PET exam.

At killexams.com, they strive to ensure that their clients have a clear understanding of the PET course structure, syllabus, and objectives in order to pass the HR PET exam. Simply reading the PET coursebook is not enough. It is essential to learn about complex scenarios and questions that are asked in the actual PET exam. Therefore, they recommend visiting killexams.com and downloading free PET PDF trial questions to read. They certain that after reviewing their Professional Employment Test (PET) questions, you will be able to register for the full version PET TestPrep at a very reasonable price. This will be your first step towards success in the Professional Employment Test (PET) exam. Additionally, they suggest downloading and installing the PET VCE exam simulator on your computer. Memorize PET Test Prep and take regular practice tests using the VCE exam simulator. Once you feel prepared for the actual PET exam, go to the Exam Center and register for the real exam.

Passing the real HR PET exam is not an easy feat to accomplish by solely relying on the PET coursebook or free Pass Guides available online. Usually, there are complex scenarios and tricky questions that can confuse the candidate during the PET exam. In this situation, killexams.com plays a significant role by providing Real PET Exam Questions information and the VCE exam simulator. To get started, simply download the 100% free PET Pass Guides before signing up for the complete version of PET Exam Questions. Once you have reviewed the quality of their Pass Guides, be sure to take advantage of their special discount coupons. With their resources, you will be able to fully prepare for the PET exam and pass with high marks.







PET exam Format | PET Course Contents | PET Course Outline | PET exam Syllabus | PET exam Objectives


Test Detail:
The HR PET (Professional Employment Test) is an exam designed to evaluate the knowledge, skills, and abilities of candidates in various areas of human resources. This test is typically used for employment screening and selection purposes. Here is a detailed description of the test, including the number of questions and time allocation, course outline, exam objectives, and exam syllabus.

Number of Questions and Time:
The number of questions and time allocation for the HR PET may vary depending on the specific version or administration of the test. However, on average, the exam consists of approximately 100-150 multiple-choice questions. Candidates are typically given a specific time limit, usually ranging from 2 to 3 hours, to complete the test.

Course Outline:
The course outline for the HR PET covers a wide range of subjects relevant to the field of human resources. The outline may include the following key areas:

1. HR Fundamentals
2. Recruitment and Selection
3. Employee Relations
4. Training and Development
5. Compensation and Benefits
6. Performance Management
7. Employment Law and Regulations
8. HR Strategy and Planning
9. HR Metrics and Analytics
10. Ethical and Professional Practices in HR

Exam Objectives:
The objectives of the HR PET are to assess candidates' knowledge and understanding of various HR concepts, principles, and practices. The exam aims to evaluate the following key areas:

1. Knowledge of HR fundamentals, including HR roles and responsibilities, HR policies and procedures, and HR best practices.
2. Understanding of recruitment and selection processes, such as job analysis, job description, job posting, candidate screening, and interviewing techniques.
3. Knowledge of employee relations, including employee engagement, conflict resolution, disciplinary procedures, and employee communication.
4. Understanding of training and development methods, including needs exam, training design and delivery, performance evaluation, and employee development plans.
5. Familiarity with compensation and benefits practices, including salary structures, employee benefits administration, and performance-based compensation.
6. Understanding of performance management processes, including goal setting, performance appraisal, feedback and coaching, and performance improvement plans.
7. Knowledge of employment laws and regulations, such as equal employment opportunity, labor laws, wage and hour regulations, and workplace safety.
8. Understanding of HR strategy and planning, including workforce planning, talent management, succession planning, and HR technology.
9. Familiarity with HR metrics and analytics, including data analysis, HR reporting, HR dashboard creation, and workforce analytics.
10. Awareness of ethical and professional practices in HR, including confidentiality, integrity, diversity and inclusion, and ethical decision-making.

Exam Syllabus:
The exam syllabus for the HR PET typically covers the following topics:

1. HR Fundamentals and Concepts
2. Recruitment and Selection
3. Employee Relations and Communication
4. Training and Development
5. Compensation and Benefits
6. Performance Management
7. Employment Laws and Regulations
8. HR Strategy and Planning
9. HR Metrics and Analytics
10. Ethical and Professional Practices in HR

Candidates should refer to the official HR PET study materials and resources provided by the test administrator to ensure they are adequately prepared for the exam. It is recommended to allocate sufficient time for exam preparation, including studying relevant HR concepts, familiarizing oneself with HR practices and regulations, and practicing with trial exam questions.



Killexams Review | Reputation | Testimonials | Feedback


Surprised to see PET actual test questions!
Thanks to the tremendous products provided by killexams.com, I was able to score an impressive 92% on my PET certification exam. I was searching for a reliable test dump to boost my knowledge, especially since the technical concepts and language in my certification were difficult to understand. Killexams.com offered easy solutions for me, and I am pleased with my success. This platform is an excellent training source for professional certification exams.


I have everything required to pass the PET exam.
The killexams.com Dumps dump provided enough expertise to attain my purpose, and I did not even memorize the required things. I am grateful from the bottom of my heart and will come back for my subsequent exam.


It is truly a great experience to have PET practice tests.
I am thrilled to have had the opportunity to use your practice tests and software for my HR tests. Your software was instrumental in my exam preparation and helped me tremendously.


It is truly great help to have the latest PET practice tests.
Killexams.com is the best IT exam preparation I have come across. I passed the PET exam without any problems. The questions are not only real but are based on the way PET does it, making it easy to remember the answer during the exam. Though not all questions are a hundred percent equal, many are. If you study the material well, you will have no trouble sorting it out. It is useful to IT experts like me.


How many questions are asked in the PET exam?
I became a PET certified professional last week. The certification path was very intriguing, so if you are considering it, make sure to get the question answers to prepare for the PET exam. It is a time-saver as it provides exactly what you need to recognize for the PET exam. That is why I chose killexams.com, and I have never regretted it.


HR Test certification

PET Exam

User: Savya*****

Thanks to Killexams.com, I was able to pass the PET exam on my first try with a score of 89% after just two days of preparation. The practice questions provided were extremely helpful, and I felt confident during the exam. I look forward to using Killexams.com for future exams.
User: Vlad*****

All praise for my achievement goes to Killexams.com, which correctly guided me for attempting PET exam questions. With the help of this study material, I was able to attempt all the questions in the exam and achieve great success.
User: Yanina*****

To become PET certified, I was under immense pressure to pass the exam, having failed the previous two attempts. Fortunately, I stumbled upon the killexams.com material through my cousin, and I was very impressed with the Dumps material. I secured 89% on the exam and was thrilled to score above the margin mark without any problems. The material is well-formatted and enriched with crucial principles, making it an excellent study resource for the exam.
User: Myren*****

The quality of the killexams.com products is high, which assists applicants in their pet exam preparation. All the products I used to prepare for the pet certification exam were of excellent quality and helped me pass the exam quickly.
User: Max*****

Despite the availability of much information online for PET certification, I was hesitant to use free practice tests. However, after purchasing the Killexams.com PET questions and answers, I found that they provided real exam questions and answers, and it helped me pass the exam with ease.

PET Exam

Question: Where can I see PET exam outline?
Answer: Killexams.com provides complete information about PET course outline, PET exam syllabus, and exam objectives. All the information about several questions in the actual PET exam is provided on the exam page at killexams website. You can also see PET subjects information from the website. You can also see PET trial VCE exam and go through the questions. You can also register to download the complete PET question bank.
Question: Where am I able to locate PET latest and up-to-date dumps questions?
Answer: Killexams.com is the best place to get updated PET test prep questions. These PET test prep work in the actual test. You will pass your exam with these PET test prep. If you supply some time to study, you can prepare for an exam with much boost in your knowledge. They recommend spending as much time as you can to study and practice PET VCE exam until you are sure that you can answer all the questions that will be asked in the actual PET exam. For this, you should visit killexams.com and register to download the complete dumps collection of PET exam test prep. These PET exam questions are taken from actual exam sources, that's why these PET 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 PET questions are sufficient to pass the exam.
Question: Is there anything else I should buy with PET test prep?
Answer: No, PET questions provided by killexams.com are sufficient to pass the exam on the first attempt. You must have PDF Dumps for reading and a VCE exam simulator for practice. Visit killexams.com and register to download the complete dumps collection of PET exam test prep. These PET exam questions are taken from actual exam sources, that's why these PET 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 PET questions are sufficient to pass the exam. If you have time to study, you can prepare for the exam in very little time. They recommend taking enough time to study and practice PET VCE exam that you are sure that you can answer all the questions that will be asked in the actual PET exam.
Question: Does killexams study guide work offline?
Answer: Yes, killexams study guides work offline. Killexams.com provides an offline method by downloading your PET exam questions in PDF format on your mobile phone, iPad or laptop and carry them anywhere you like. You do not need to be online all the time to keep your study going. Killexams exam simulator also works offline. Just download and install on your laptop and you can go anywhere to keep your study going and preparing your exam at a tourist or healthier place. Whenever you need to re-download the exam files, you can connect your computer to the internet and download and go offline anytime you like.
Question: Why there are some negative reviews on internet about killexams?
Answer: There are several VCE exam providers, most of them are re-sellers. There is competition on the internet for the right material. Some marketing people use negative marketing as a tool to show a good source as a bad. They use to enter bad and negative reviews about killexams on the internet on some sites. This does not usually work but this method is used to show a good service bad rather than to Strengthen their service.
HR+Test+certification
https://www.pass4surez.com/art/read.php?keyword=HR+Test+certification&lang=us&links=remove



Whilst it is very hard task to choose reliable exam Dumps resources regarding review, reputation and validity because people get ripoff due to choosing incorrect service. Killexams make it sure to provide its clients far better to their resources with respect to actual questions update and validity. Most of other peoples ripoff report complaint clients come to us for the brain dumps and pass their exams enjoyably and easily. They never compromise on their review, reputation and quality because killexams review, killexams reputation and killexams client self confidence is important to all of us. Specially they manage killexams.com review, killexams.com reputation, killexams.com ripoff report complaint, killexams.com trust, killexams.com validity, killexams.com report and killexams scam. If perhaps you see any bogus report posted by their competitor with the name killexams ripoff report complaint internet, killexams.com ripoff report, killexams.com scam, killexams.com complaint or something like this, just keep in mind that there are always bad people damaging reputation of good services due to their benefits. There are a large number of satisfied customers that pass their exams using killexams.com brain dumps, killexams PDF questions, killexams practice questions, killexams exam simulator. Visit their test questions and trial 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?
Absolutely yes, Killexams is 100 percent legit and also fully trustworthy. There are several includes that makes killexams.com traditional and legitimate. It provides updated and 100 percent valid exam questions that contains real exams questions and answers. Price is really low as compared to many of the services online. The Dumps are kept up to date on ordinary basis together with most accurate questions. Killexams account setup and device delivery is quite fast. Record downloading can be unlimited and fast. Guidance is avaiable via Livechat and Netmail. These are the characteristics that makes killexams.com a strong website that supply exam prep with real exams questions.



Is killexams.com test material dependable?
There are several Dumps 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 download sites or reseller sites. Thats why killexams.com update exam Dumps 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 dumps collection 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 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 Dumps will be provided in your download Account. You can download Premium VCE exam files as many times as you want, There is no limit.

Killexams.com has provided VCE VCE exam 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 Exam Center and Enjoy your Success.




E22-106 practice exam | ITILFND-V4 online exam | A00-231 pass marks | NCP-MCI-5.15 test prep | 250-428 assessment test trial | PDI trial test | PCAT exam prep | PEGAPCBA87V1 test prep | QIA prep questions | ES0-004 study material | NCEES-PE-Civil-Structural study guide | NAWCO-OMS boot camp | PEGACPSA88V1 pass exam | HIO-301 Free PDF | CBDE free study guide | C90.02 download | Salesforce-Consumer-Goods-Cloud practice exam | AZ-600 exam tips | CLSSYB practice exam | PEGACPRSAV22 test prep |


PET - Professional Employment Test (PET) teaching
PET - Professional Employment Test (PET) Practice Test
PET - Professional Employment Test (PET) syllabus
PET - Professional Employment Test (PET) certification
PET - Professional Employment Test (PET) Study Guide
PET - Professional Employment Test (PET) book
PET - Professional Employment Test (PET) course outline
PET - Professional Employment Test (PET) test
PET - Professional Employment Test (PET) education
PET - Professional Employment Test (PET) questions
PET - Professional Employment Test (PET) questions
PET - Professional Employment Test (PET) Practice Test
PET - Professional Employment Test (PET) Study Guide
PET - Professional Employment Test (PET) learn
PET - Professional Employment Test (PET) test prep
PET - Professional Employment Test (PET) test
PET - Professional Employment Test (PET) Free PDF
PET - Professional Employment Test (PET) testing
PET - Professional Employment Test (PET) techniques
PET - Professional Employment Test (PET) exam Questions
PET - Professional Employment Test (PET) Practice Test
PET - Professional Employment Test (PET) Study Guide
PET - Professional Employment Test (PET) study tips
PET - Professional Employment Test (PET) practice tests
PET - Professional Employment Test (PET) guide
PET - Professional Employment Test (PET) testprep
PET - Professional Employment Test (PET) learn
PET - Professional Employment Test (PET) answers
PET - Professional Employment Test (PET) answers
PET - Professional Employment Test (PET) Practice Test
PET - Professional Employment Test (PET) education
PET - Professional Employment Test (PET) PDF Questions
PET - Professional Employment Test (PET) exam success
PET - Professional Employment Test (PET) learn
PET - Professional Employment Test (PET) course outline
PET - Professional Employment Test (PET) exam contents
PET - Professional Employment Test (PET) questions
PET - Professional Employment Test (PET) tricks
PET - Professional Employment Test (PET) exam Questions
PET - Professional Employment Test (PET) book
PET - Professional Employment Test (PET) exam cram
PET - Professional Employment Test (PET) Premium PDF
PET - Professional Employment Test (PET) Study Guide
PET - Professional Employment Test (PET) PDF Download

Other HR Practice Tests


SPHR Latest Topics | PET practice questions | DSST-HRM exam Questions | PHR exam cram | GPHR exam cram |


Best practice tests You Ever Experienced


PCNSC exam questions | ICTS exam questions | ABPN-VNE Practice Test | S90.09A free practice tests | 250-407 prep questions | CIA-I practice questions | PANCE test exam | ABCTE writing test questions | DVA-C02 free online test | GRE-Verbal Questions and Answers | CPD-001 practice questions | AACN-CNL trial questions | PCDRA free pdf download | GPHR english test questions | Property-and-Casualty test prep | 2V0-71.23 cram book | PulseSecure-PPS test prep questions | AACE-PSP practice test | CNSC exam cram | C1000-056 practice exam |





References :


https://killexams-posting.dropmark.com/817438/23289090
http://killexams-braindumps.blogspot.com/2020/06/pet-exam-cram-are-totally-changed-by-hr.html
https://www.instapaper.com/read/1317997497
https://killexams-posting.dropmark.com/817438/23776675
http://feeds.feedburner.com/Pass4sure71200xPracticeTestsWithRealQuestions
https://youtu.be/B0Bs7QkrdtY
https://files.fm/f/2ygp3u2nt
http://killexamstestprep3.blogdigy.com/pet-professional-employment-test-2021-update-question-bank-by-killexams-com-11450649
https://sites.google.com/view/killexams-pet-practice-test
https://www.coursehero.com/file/78934768/Professional-Employment-Test-PETpdf/



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






Direct Download

PET 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.

PET Reviews

100% Valid and Up to Date PET 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