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 PHR?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der PHR: Professional in Human Resources (HRCI PHR) Prüfung.

2024 Updated Actual PHR questions as experienced in Test Center

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

E html>

HR PHR : Professional in Human Resources (HRCI PHR) Practice Tests

Practice Tests Organized by Richard



Latest 2024 Updated HR Professional in Human Resources (HRCI PHR) Syllabus
PHR question bank with Premium PDF and Test Engine

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




PHR question bank : Download 100% Free PHR practice questions (PDF and VCE)

Exam Number : PHR
Exam Name : Professional in Human Resources (HRCI PHR)
Vendor Name : HR
Update : Click Here to Check Latest Update
Question Bank : Check Questions

These are today updated PHR Study Guides
At killexams.com, you can access an extensive database of PHR test questions, which includes the exact same questions that you will encounter in the real PHR test. Their questions bank is highly relevant to the PHR test and has been created by test takers who have successfully passed the test with high scores.

Our PDF dumps have helped many competitors breeze through the PHR test with ease. It is extremely rare for their users to study their PHR materials and receive poor scores or fail the real test. In fact, most competitors report a significant improvement in their knowledge and pass the PHR test on their first attempt. Their PHR materials not only help you pass the test but also Excellerate your understanding of the test objectives and topics, allowing you to excel in your role as an expert in your field. This is why their clients trust us and recommend their PHR materials to others.

To successfully pass the HR PHR test, you need to have a clear understanding of the course outline, test syllabus, and objectives. Simply memorizing the PHR coursebook is not enough. You need to familiarize yourself with the unique questions asked in the real PHR tests. For this, you should visit killexams.com and get their Free PHR sample test questions. Once you are confident in your ability to recall these PHR questions, you can enroll to get the complete TestPrep of PHR TestPrep. This will be your first major step towards success. After downloading and installing the VCE test simulator on your computer, study and memorize their PHR TestPrep and take regular practice questions with the VCE test simulator. When you feel that you are ready for the real PHR test, visit the testing center and register for the real exam.







PHR test Format | PHR Course Contents | PHR Course Outline | PHR test Syllabus | PHR test Objectives


- Business Management (20%)

- Talent Planning and Acquisition (16%)

- Learning and Development (10%)

- Total Rewards (15%)

- Employee and Labor Relations (39%)



Functional Area 01 | Business Management (20%)

Using information about the organization and business environment to reinforce expectations, influence decision making, and avoid risk.

Responsibilities:

01 Interpret and apply information related to general business environment and industry best practices

02 Reinforce the organizations core values, ethical and behavioral expectations through modeling, communication, and coaching

03 Understand the role of cross-functional stakeholders in the organization and establish relationships to influence decision making

04 Recommend and implement best practices to mitigate risk (for example: lawsuits, internal/ external threats)

05 Determine the significance of data for recommending organizational strategies (for example: attrition rates, diversity in hiring, time to hire, time to fill, ROI, success of training)

Knowledge of:

01 Vision, mission, values, and structure of the organization

02 Legislative and regulatory knowledge and procedures

03 Corporate governance procedures and compliance

04 Employee communications

05 Ethical and professional standards

06 Business elements of an organization (for example: other functions and departments, products, competition, customers, technology, demographics, culture, processes, safety and security)

07 Existing HRIS, reporting tools, and other systems for effective data reporting and analysis

08 Change management theory, methods, and application

09 Risk management

10 Qualitative and quantitative methods and tools for analytics

11 Dealing with situations that are uncertain, unclear, or chaotic



Functional Area 02 | Talent Planning and Acquisition (16%)

Identifying, attracting, and employing talent while following all federal laws related to the hiring process.

Responsibilities:

01 Understand federal laws and organizational policies to adhere to legal and ethical requirements in hiring (for example: Title VII, nepotism, disparate impact, FLSA, independent contractors)

02 Develop and implement sourcing methods and techniques (for example: employee referrals, diversity groups, social media)

03 Execute the talent acquisition lifecycle (for example: interviews, extending offers, background checks, negotiation).

Knowledge of:

12 Applicable federal laws and regulations related to talent planning and acquisition activities

13 Planning concepts and terms (for example: succession planning, forecasting)

14 Current market situation and talent pool availability

15 Staffing alternatives (for example: outsourcing, temporary employment)

16 Interviewing and selection techniques, concepts, and terms

17 Applicant tracking systems and/or methods

18 Impact of total rewards on recruitment and retention

19 Candidate/employee testing processes and procedures

20 Verbal and written offers/contract techniques

21 New hire employee orientation processes and procedures

22 Internal workforce exams (for example: skills testing, workforce demographics, analysis)

23 Transition techniques for corporate restructuring, mergers and acquisitions, due diligence process, offshoring, and divestitures

24 Metrics to assess past and future staffing effectiveness (for example: cost per hire, selection ratios, adverse impact)



Functional Area 03 | Learning and Development (10%)

Contributing to the organizations learning and development activities by implementing and evaluating programs, providing internal consultation, and providing data.

Responsibilities:

01 Provide consultation to managers and employees on professional growth and development opportunities

02 Implement and evaluate career development and training programs (for example: career pathing, management training, mentorship)

03 Contribute to succession planning discussions with management by providing relevant data Knowledge of:

25 Applicable federal laws and regulations related to learning and development activities

26 Learning and development theories and applications

27 Training program facilitation, techniques, and delivery

28 Adult learning processes

29 Instructional design principles and processes (for example: needs analysis, process flow mapping)

30 Techniques to assess training program effectiveness, including use of applicable metrics

31 Organizational development (OD) methods, motivation methods, and problem-solving techniques

32 Task/process analysis

33 Coaching and mentoring techniques

34 Employee retention concepts and applications

35 Techniques to encourage creativity and innovation



Functional Area 04 | Total Rewards (15%)

Implementing, promoting, and managing compensation and benefit programs in compliance with federal laws.

Responsibilities:

01 Manage compensation-related information and support payroll issue resolution

02 Implement and promote awareness of non-cash rewards (for example: paid volunteer time, tuition assistance, workplace amenities, and employee recognition programs)

03 Implement benefit programs (for example: health plan, retirement plan, employee assistance plan, other insurance)

04 Administer federally compliant compensation and benefit programs Knowledge of:

36 Applicable federal laws and regulations related to total rewards

37 Compensation policies, processes, and analysis

38 Budgeting, payroll, and accounting practices related to compensation and benefits

39 Job analysis and evaluation concepts and methods

40 Job pricing and pay structures

41 Non-cash compensation

42 Methods to align and benchmark compensation and benefits

43 Benefits programs policies, processes, and analysis



Functional Area 05 | Employee and Labor Relations (39%)

Manage, monitor, and/or promote legally compliant programs and policies that impact the employee experience throughout the employee lifecycle.

Responsibilities:

01 Analyze functional effectiveness at each stage of the employee lifecycle (for example: hiring, onboarding, development, retention, exit process, alumni program) and identify alternate approaches as needed

02 Collect, analyze, summarize, and communicate employee engagement data

03 Understand organizational culture, theories, and practices; identify opportunities and make recommendations

04 Understand and apply knowledge of programs, federal laws, and regulations to promote outreach, diversity and inclusion (for example: affirmative action, employee resource groups, community outreach, corporate responsibility)

05 Implement and support workplace programs relative to health, safety, security, and privacy following federal laws and regulations (for example: OSHA, workers compensation, emergency response, workplace violence, substance abuse, legal postings)

06 Promote organizational policies and procedures (for example: employee handbook, SOPs, time and attendance, expenses)

07 Manage complaints or concerns involving employment practices, behavior, or working conditions, and escalate by providing information to appropriate stakeholders

08 Promote techniques and tools for facilitating positive employee and labor relations with knowledge of applicable federal laws affecting union and nonunion workplaces (for example: dispute/conflict resolution, anti-discrimination policies, sexual harassment)

09 Support and consult with management in performance management process (for example: employee reviews, promotions, recognition programs)

10 Support performance activities (for example: coaching, performance improvement plans, involuntary separations) and employment activities (for example: job eliminations, reductions in force) by managing corresponding legal risks

Knowledge of:

44 General employee relations activities and analysis (for example, conducting investigations, researching grievances, working conditions, reports, etc.)

45 Applicable federal laws and procedures affecting employment, labor relations, safety, and security

46 Human relations, culture and values concepts, and applications to employees and organizations

47 Review and analysis process for assessing employee attitudes, opinions, and satisfaction

48 Diversity and inclusion

49 Recordkeeping requirements

50 Occupational injury and illness prevention techniques

51 Workplace safety and security risks

52 Emergency response, business continuity, and disaster recovery process

53 Internal investigation, monitoring, and surveillance techniques

54 Data security and privacy

55 The collective bargaining process, terms, and concepts (for example: contract negotiation, costing, administration)

56 Performance management process, procedures, and analysis

57 Termination approaches, concepts, and terms



Killexams Review | Reputation | Testimonials | Feedback


Real PHR questions and accurate answers! It justifies the payment.
Thanks to killexams.com, I had the equipment and self-belief to crack the PHR exam. The website offers valuable facts to help acquire success in the PHR guide, and I discovered the PHR education software program. The software outlines each subject and puts queries in random order just like the test. It offers marks that evaluate oneself on unique parameters.


Where can I get help to pass the PHR exam?
Thanks to the accurate VCE test provided by killexams.com, I was able to pass the PHR test on my first attempt with a 96% score. Although my score dropped to 78.75% due to bad marking, I still appreciate the great organization and efficient process employed by killexams.com. I wish them continued success.


I was surprised to see the PHR Practice Tests!
While there are many study materials available for the PHR certification exam, it can be challenging to choose the best one. I lacked confidence in myself and thought I would not get into my preferred university because I did not have adequate study materials. However, Killexams.com changed my perspective. With their help, I was fully prepared for the PHR test and passed with ease. Thank you, Killexams.


A very easy way to pass the PHR test with questions and an test simulator.
I recently passed my PHR affirmation test with the help of killexams.com Q&A and test Simulator. These are great items to shop for, and they helped me to understand the material effectively and quickly. I was stunned to see how terrific they were at their administrations. I want to express my gratitude for the notable item that you provided me with, which aided me in the association and use of the test.


What is the pass ratio for the PHR exam?
A friend suggested that I subscribe to killexams.com to get more resources for my PHR exams, and I am glad I did. As soon as I logged in, I felt comfortable and relieved, knowing that this resource would help me get through my PHR test - and it did.


HR Human information hunger

PHR Exam

User: Ella*****

Thanks to Killexams.com, I passed my phr test with ease. The accurate questions, subject coverage, and test guides were convenient and flexible to use, including the test simulator, PDFs, and printouts. The practice engine simulated the exam, and the specific question types were particularly helpful.
User: Manuel*****

Killexams.com is the best PHR resource on the internet, and Its one that I trust. What they provided me is more valuable than money; they educated me. When I was studying for my PHR exam, I made an account on their website, and what I received in return worked like magic for me. I was surprised at how amazing it felt, and passing the PHR test was a single step for me towards success.
User: Lenin*****

I would like to thank the team at Killexams.com for making my attempt at the phr test so easy. I received a score of 76%, and I highly recommend new customers to use Killexams.com because it is very comprehensive.
User: Seryozha*****

During my test preparation, the preparation kit has proven to be very useful, especially since I can sometimes go blank during exams. This is particularly challenging during timed exams like the phr exam, which is why I wanted to avoid failing at all costs. Thanks to the bundle I purchased, I was able to pass with flying colors and achieve a score of 100%. The kit had everything I needed to know, and all the hours I spent studying, cramming, and taking notes paid off in the end.
User: Gabriela*****

When I was looking for an internet test simulator for the exam, I discovered that the platform had all the essential material required. The effective material helped me pass the test after downloading the demos and testing it beforehand.

PHR Exam

Question: Do you recommend me to use this excellent source of PHR brain dumps?
Answer: Killexams recommend these PHR questions to memorize before you go for the real test because this PHR question bank contains an up-to-date and 100% valid PHR question bank with a new syllabus.
Question: Can I depend on these Questions and Answers?
Answer: Yes, You can depend on PHR Q&A provided by killexams. They are taken from real test sources, that's why these PHR test 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 but in general, these PHR questions are sufficient to pass the exam.
Question: Where can I find test prep for good knowledge of PHR exam?
Answer: Killexams.com provides the latest syllabus of PHR exams to Excellerate your knowledge about the PHR exam. You can visit the PHR test page at killexams and get the information about the latest syllabus, course contents, PHR test objectives, and test Details. You can get the latest PHR VCE test by registering for the full version of the exam.
Question: Did you attempt this amazing material PHR updated dumps?
Answer: Killexams get section contains up-to-date real PHR test questions that are taken from the PHR test prep. These questions' answers are Tested by experts before they are included in the PHR question bank.
Question: I see the PHR page showing new date but questions are unchanged. Why?
Answer: Killexams.com keep on checking update on regular basis and change the test questions accordingly. If PHR questions in your get section are already up to date, the system changes the PHR test update date. But if any new update is received, it is included in the question bank and users are informed by email to re-download the test files. Killexams overwrites the previous files in the get section so that you have the latest test questions all the time. So, there is no need to search the update anywhere. Just re-download the test files if you receive an intimation of update.
HR+Human+information+hunger
https://www.pass4surez.com/art/read.php?keyword=HR+Human+information+hunger&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 questions website?
Yes, Killexams is completely legit along with fully trustworthy. There are several benefits that makes killexams.com legitimate and genuine. It provides up to date and completely valid test questions including real exams questions and answers. Price is suprisingly low as compared to almost all the services on internet. The Q&A are up to date on usual basis with most latest questions. Killexams account setup and product delivery is really fast. File downloading is certainly unlimited and also fast. Assistance is avaiable via Livechat and E-mail. These are the characteristics that makes killexams.com a robust website that supply test prep with real exams questions.



Is killexams.com test material dependable?
There are several Q&A provider in the market claiming that they provide real 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 get sites or reseller sites. Thats why killexams.com update test Q&A 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 question bank 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 Topics of new syllabus, They recommend to get PDF test Questions from killexams.com and get ready for real 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 Q&A will be provided in your get Account. You can get Premium VCE test files as many times as you want, There is no limit.

Killexams.com has provided VCE VCE 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 real Test. Go register for Test in Test Center and Enjoy your Success.




E22-106 mock questions | ASTQB-CMT Study help | H13-511 online test | CSQA study material | C90.01 test prep | GB0-371 test answers | IIA-ACCA test prep | CPCE mock test | 090-600 test cram | 090-160 pass test | AGPCNP-BC model question | RPFT mock questions | CIS-RCI practical test | NCEES-PE-Civil-Geotechnical test test | ACMP test questions | 050-v71x-CSESECURID free questions | CAT-120 cram | ISO-22301-Lead-Auditor question test | Scrum-PSD-I pdf test | 1T6-111 study questions |


PHR - Professional in Human Resources (HRCI PHR) outline
PHR - Professional in Human Resources (HRCI PHR) tricks
PHR - Professional in Human Resources (HRCI PHR) study help
PHR - Professional in Human Resources (HRCI PHR) test format
PHR - Professional in Human Resources (HRCI PHR) Real test Questions
PHR - Professional in Human Resources (HRCI PHR) test success
PHR - Professional in Human Resources (HRCI PHR) guide
PHR - Professional in Human Resources (HRCI PHR) test syllabus
PHR - Professional in Human Resources (HRCI PHR) test Questions
PHR - Professional in Human Resources (HRCI PHR) Study Guide
PHR - Professional in Human Resources (HRCI PHR) test help
PHR - Professional in Human Resources (HRCI PHR) exam
PHR - Professional in Human Resources (HRCI PHR) information hunger
PHR - Professional in Human Resources (HRCI PHR) guide
PHR - Professional in Human Resources (HRCI PHR) Free PDF
PHR - Professional in Human Resources (HRCI PHR) Real test Questions
PHR - Professional in Human Resources (HRCI PHR) cheat sheet
PHR - Professional in Human Resources (HRCI PHR) Question Bank
PHR - Professional in Human Resources (HRCI PHR) Latest Topics
PHR - Professional in Human Resources (HRCI PHR) Test Prep
PHR - Professional in Human Resources (HRCI PHR) book
PHR - Professional in Human Resources (HRCI PHR) study tips
PHR - Professional in Human Resources (HRCI PHR) Free PDF
PHR - Professional in Human Resources (HRCI PHR) test format
PHR - Professional in Human Resources (HRCI PHR) testprep
PHR - Professional in Human Resources (HRCI PHR) learn
PHR - Professional in Human Resources (HRCI PHR) answers
PHR - Professional in Human Resources (HRCI PHR) PDF Download
PHR - Professional in Human Resources (HRCI PHR) test prep
PHR - Professional in Human Resources (HRCI PHR) Latest Questions
PHR - Professional in Human Resources (HRCI PHR) Free PDF
PHR - Professional in Human Resources (HRCI PHR) PDF Questions
PHR - Professional in Human Resources (HRCI PHR) Latest Topics
PHR - Professional in Human Resources (HRCI PHR) outline
PHR - Professional in Human Resources (HRCI PHR) Latest Topics
PHR - Professional in Human Resources (HRCI PHR) Latest Questions
PHR - Professional in Human Resources (HRCI PHR) PDF Questions
PHR - Professional in Human Resources (HRCI PHR) practice tests
PHR - Professional in Human Resources (HRCI PHR) information search
PHR - Professional in Human Resources (HRCI PHR) guide
PHR - Professional in Human Resources (HRCI PHR) PDF download
PHR - Professional in Human Resources (HRCI PHR) Latest Topics
PHR - Professional in Human Resources (HRCI PHR) study help
PHR - Professional in Human Resources (HRCI PHR) PDF Download

Other HR Practice Tests


SPHR test practice | PHR cbt | GPHR PDF Download | PET cram book | DSST-HRM pass marks |


Best practice questions You Ever Experienced


CSCP free practice tests | SPLK-1005 practice questions | NCMA-CMA VCE | C1000-176 free pdf | INBDE practice questions | CS0-003 free questions | VCS-257 test example | 4A0-C01 Latest Topics | 2V0-51-19 test papers | FBAP_002 free prep | H35-480_V3.0-ENU study questions | 9L0-066 Latest Questions | NBRC test Questions | 2V0-41.23 Question Bank | DP-100 practical test | AVA prep questions | PMI-100 download | 050-886 test sample | 412-79v10 free pdf | ERP-Consultant test questions |





References :


https://killexams-posting.dropmark.com/817438/23572297
https://www.instapaper.com/read/1318719404
http://killexams-braindumps.blogspot.com/2020/07/these-phr-pdf-braindumps-are-very.html
https://killexams-posting.dropmark.com/817438/23792585
https://www.blogger.com/comment.g?blogID=9877556&postID=112141651608874163&page=1&token=1597145260130
https://youtu.be/c7xlWmvWhIs
https://www.coursehero.com/file/74608364/Professional-in-Human-Resources-PHR-PHRpdf/
https://sites.google.com/view/killexams-phr-real-exam-questi
https://files.fm/f/hxkvefxrn
http://feeds.feedburner.com/RealVcs-252QuestionsThatAppearedInTestToday



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






Direct Download

PHR 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.

PHR Reviews

100% Valid and Up to Date PHR 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