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 101?
Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der 101: Application Delivery Fundamentals 2025 Prüfung.
2025 Updated Actual 101 questions as experienced in Test Center
Aktuelle 101 Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz
![]() F5-Networks 101 : Application Delivery Fundamentals 2025 Practice TestsPractice Tests Organized by Martha nods |
Latest 2025 Updated F5-Networks Application Delivery Fundamentals 2025 Syllabus
101 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
101 dumps collection : Download 100% Free 101 practice exams (PDF and VCE)
Exam Number : 101
Exam Name : Application Delivery Fundamentals 2025
Vendor Name : F5-Networks
Update : Click Here to Check Latest Update
Question Bank : Check Questions
These are today updated 101 Latest Topics
We offer a free trial of their 101 test questions, which are taken from the full version of the test. Their 101 Free PDF contains a complete collection of test questions. You can also receive three months of free updates of 101 Application Delivery Fundamentals 2025 Exam Cram questions from their certified team, who refreshes the dumps regularly.
Killexams.com offers the most latest and valid 101 exam dumps. Their dumps contain the latest F5-Networks updated 101 questions, and they constantly update them to ensure that they remain up-to-date. Most candidates fail their 101 exam because the questions are regularly updated by F5-Networks. However, they at killexams.com have collected all 101 Cram Guide and created a Exam Questions that contains nearly all of them. With their Exam Questions, they ensure that you will pass your 101 exam with good marks.
At killexams.com, they provide 101 real qeustions that are both valid and up-to-date. They offer the latest 101 real qeustions that are regularly updated by F5-Networks. It is common for candidates to fail the 101 exam because the questions are regularly updated by F5-Networks. To address this, they collect all 101 Cram Guide and create a Exam Questions that contains almost all of them. Their Exam Questions is so comprehensive that they ensure a 100% pass rate for your 101 exam with good marks.

101 exam Format | 101 Course Contents | 101 Course Outline | 101 exam Syllabus | 101 exam Objectives
Section 1: OSI Cognitive Complexity
Objective 1.01 Explain, compare, and contrast the OSI layers
Describe the function of each OSI layer
Differentiate between the OSI layers
Describe the purpose of the various address types at different OSI layers
Objective 1.02 Explain protocols and technologies specific to the data link layer
Explain the purpose of a switchs forwarding database
Explain the purpose and functionality of ARP
Explain the purpose and functionality of MAC addresses
Explain the purpose and functionality of a broadcast domain
Explain the purpose and functionality of VLANs
Explain the purpose and functionality of link aggregation
Objective 1.03 Explain protocols and apply technologies specific to the network layer
Explain the purpose and functionality of IP addressing and subnetting
Given an IP address and net mask, determine the network IP and the broadcast IP
Given a routing table and a destination IP address, identify which routing table entry the destination IP address will match
Explain the purpose and functionality of Routing protocols
Explain the purpose of fragmentation
Given a fragment, identify what information is needed for reassembly
Explain the purpose of TTL functionality
Given a packet traversing a topology, document the source/destination IP address/MAC address changes at each hop
Objective 1.04 Explain the features and functionality of protocols and technologies specific to the transport layer
Compare/Contrast purpose and functionality of MTU and MSS
Explain the purpose and functionality of TCP
Explain the purpose and functionality of UDP
Explain the purpose and functionality of ports in general
Explain how retransmissions occur
Explain the purpose and process of a reset
Describe various TCP options
Describe a TCP checksum error
Describe how TCP addresses error correction
Describe how the flow control process occurs
Objective 1.05 Explain the features and functionality of protocols and technologies specific to the application layer
Explain the purpose and functionality of HTTP
Differentiate between HTTP versions
Interpret HTTP status codes
Determine an HTTP request method for a given use case
Explain the purpose and functionality of HTTP keepalives, HTTP headers, DNS, SIP, FTP
Differentiate between passive and active FTP
Explain the purpose and functionality of SMTP
Explain the purpose and functionality of a cookie
Given a situation in which a client connects to a remote host, explain how the name resolution process occurs
Explain the purpose and functionality of a URL
Objective 2.01 Articulate the role of F5 products
Explain the purpose, use, and benefits of APM, LTM, ASM, GTM
Objective 2.02 Explain the purpose, use, and advantages of iRules
Explain the purpose of iRules
Explain the advantages of iRules
Given a list of situations, determine which would be appropriate for the use of iRules
Objective 2.03 Explain the purpose, use, and advantages of iApps
Explain the purpose of iApps
Explain the advantages of iApps
Given a list of situations, determine which would be appropriate for the use of iApps
Objective 2.04 Explain the purpose of and use cases for full proxy and packet
forwarding/packet based architectures
Describe a full proxy architecture
Describe a packet forwarding/packet based architecture
Given a list of situations, determine which is appropriate for a full proxy architecture
Given a list of situations, determine which is appropriate for a packet based architecture
Objective 2.05 Explain the advantages and configurations of high availability (HA)
Explain active/active
Explain active/standby
Explain the benefits of deploying BIG-IP devices in a redundant configuration
Objective 3.01 Discuss the purpose of, use cases for, and key considerations related to load
balancing
Explain the purpose of distribution of load across multiple servers
Given an environment, determine the appropriate load balancing algorithm that achieves a desired result
Explain the concept of persistence
Objective 3.02 Differentiate between a client and server
Given a scenario, identify the client/server
Explain the role of a client
Explain the role of a server
Objective 4.01 Compare and contrast positive and negative security models
Describe the concept of a positive security model
Describe the concept of a negative security model
Given a list of scenarios, identify which is a positive security model
Given a list of scenarios, identify which is a negative security model
Describe the benefits of a positive security model
Describe the benefits of a negative security model
Objective 4.02 Explain the purpose of cryptographic services
Describe the purpose of signing
Describe the purpose of encryption
Describe the purpose of certificates and the certificate chains
Distinguish between private/public keys
Compare and contrast symmetric/asymmetric encryption
Objective 4.03 Describe the purpose and advantages of authentication
Explain the purpose of authentication
Explain the advantages of single sign on
Explain the concepts of multifactor authentication
Describe the role authentication plays in AAA
Objective 4.04 Describe the purpose, advantages, and use cases of IPsec and SSL VPN
Explain the purpose, advantages, and challenges associated with IPsec
Explain the purpose, advantages, and challenges associated with SSL VPN
Given a list of environments/situations, determine which is appropriate for an IPsec solution
Given a list of environments/situations, determine which is appropriate for an SSL VPN solution
Section 5: Application Delivery Platforms Cognitive
Complexity
Objective 5.01 Describe the purpose, advantages, use cases, and challenges associated
with hardware based application delivery platforms and virtual machines
Explain when a hardware based application deliver platform solution is appropriate
Explain when a virtual machine solution is appropriate
Explain the purpose, advantages, and challenges associated with hardware based application deliver platform
solutions
Explain the purpose, advantages, and challenges associated with virtual machines
Given a list of environments/situations, determine which is appropriate for a hardware based application
deliver platform solution
Given a list of environments/situations, determine which is appropriate for a virtual machine solution
Explain the advantages of dedicated hardware (SSL card, compression card)
Objective 5.02 Describe the purpose of the various types of advanced acceleration
techniques
Describe the purpose of TCP optimization
Describe the purpose of HTTP keepalives, caching, compression, and pipelining
Killexams Review | Reputation | Testimonials | Feedback
Did you try this 101 real dumps collection and practice tests?
Selecting killexams.com for my 101 exam preparation was a wise decision. The patterns and questions were distributed evenly, enabling me to raise my bar by the time I reached the final simulation exam. I appreciate the effort and honesty of the team, and I thank them for their support in helping me pass the exam.
The shortest questions are covered in the 101 question bank.
I found the Dumps provided by killexams.com to be very helpful during my exam. They provided me with the confidence and assurance I needed to pass the 101 exam. I am grateful for their assistance and would highly recommend their study materials to anyone looking to pursue further certifications.
Get 101 certified with a real exam question bank.
My friends recommended killexams.com for the 101 exam instruction, and I am glad I followed their advice. The practice exams were easy to apply, and I liked how they were set up. The question order helped me memorize things better, and I passed with 89% marks.
It is really great to have real 101 exam questions.
I had a positive experience with the preparation set provided by killexams.com, which helped me achieve a score of over 98% in the 101 exam. The questions are real and valid, and the exam simulator is an excellent tool for preparation. Even if you're not planning on taking the exam, this is a great learning tool for expanding your knowledge. I've recommended it to a friend who works in the same area but just received her CCNA.
Where can I get updated 101 practice tests?
The killexams.com practice test are designed to provide the right abilities to the students, making learning easy and brief. Their material is custom-designed, which does not become overwhelming or burdensome for the students. I found their ILT ebook to be very effective and recommend it to my colleagues and everyone looking for a high-quality answer for the 101 exam.
F5-Networks 2025 Practice Test
101 Exam
User: Salvador*****![]() ![]() ![]() ![]() ![]() I passed my 101 exam with flying colors yesterday, scoring an almost perfect 98%. The materials provided in the package were accurate and valid, and I was familiar with the subjects covered in the exam guide. The exam simulator and correct 101 questions provided by Killexams.com helped me to achieve an excellent score. Not only did I gain a great study tool that has expanded my expert knowledge, but I also received an easy path to my 101 certification. |
User: Ruby*****![]() ![]() ![]() ![]() ![]() After using Killexams.com to prepare for 101, I realized that they have excellent material, and I am confident that I will pass other F5-Networks tests as well. |
User: Tena*****![]() ![]() ![]() ![]() ![]() When I was searching for an internet exam simulator to take the 101 exam, I stumbled upon killexams.com. I was hesitant at first, so I downloaded the demos to see if their material could help me. To my delight, the demos had all the vital material that I needed to prepare for the exam. I found the Dumps to be powerful, to the point, and well-organized. The material was so great that I passed the exam with ease. Thanks to killexams.com, I have a new level of respect for online exam preparation resources. |
User: Oscar*****![]() ![]() ![]() ![]() ![]() I had an excellent experience preparing for the 101 exam with Killexams.com comprehensive study materials. The Dumps provided were of high quality, and the exam was relatively easy to complete as a result. I was able to pass the exam with a score of 95%, and I am confident that anyone who completes Killexams.com tests will have a similar level of success. |
User: Tassie*****![]() ![]() ![]() ![]() ![]() Enrolling in Killexams.com provided me with an opportunity to pass my 101 exam. It gave me the chance to tackle the difficult questions of the 101 exam with ease. Without this website, passing the 101 exam would have been impossible for me. Thanks to Killexams.com, I found success and was able to join the website comfortably after failing the exam and feeling shattered. |
101 Exam
Question: What should I do to update my 101 question bank? Answer: Killexams team keep on checking update on daily basis. When the 101 exam is updated, an email is sent to inform users to re-download the 101 exam files. Their team keeps the 101 files up to date. Complete 101 questions are provided in the get section of your account. Killexams provide up-to-date genuine 101 test questions that are taken from the 101 question bank. These questions' answers are Tested by experts before they are included in the 101 question bank. By memorizing and practicing these 101 dumps, you will surely pass your exam on the first attempt. |
Question: Can I get Dumps of the updated 101 exam? Answer: Of course, You can get up-to-date and valid 101 questions and answers. These are the latest and up-to-date 101 practice test that contain real exam questions from test centers. When you will memorize these questions, it will help you get Good Marks in the exam. |
Question: Which exam simulator is best for 101 exam preparation? Answer: Killexams exam Simulator is best for 101 exam preparation. You can practice the exam an unlimited number of times on the exam simulator. It helps greatly to Improve knowledge about 101 Dumps while you take the practice test again and again. You will see that you will memorize all the questions and you will be taking 100% marks. That means you are fully prepared to take the genuine 101 test. |
Question: Is there anything else I should buy with 101 test prep? Answer: No, 101 questions provided by killexams.com are sufficient to pass the exam on the first attempt. You must have PDF Dumps for memorizing and a VCE exam simulator for practice. Visit killexams.com and register to get the complete dumps collection of 101 exam test prep. These 101 exam questions are taken from genuine exam sources, that's why these 101 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 101 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 101 practice test that you are sure that you can answer all the questions that will be asked in the genuine 101 exam. |
Question: Which website provides latest test prep? Answer: Killexams.com is the best 101 genuine questions provider. Killexams 101 dumps collection contains up-to-date and 100% valid 101 dumps collection with the new syllabus. Killexams has provided the shortest 101 questions for busy people to pass 101 exam without memorizing massive course books. If you go through these 101 questions, you are more than ready to take the test. They recommend taking your time to study and practice 101 practice test until you are sure that you can answer all the questions that will be asked in the genuine 101 exam. For a full version of 101 test prep, visit killexams.com and register to get the complete dumps collection of 101 exam test prep. These 101 exam questions are taken from genuine exam sources, that's why these 101 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 101 questions are sufficient to pass the exam. |
https://www.pass4surez.com/art/read.php?keyword=F5-Networks+2025+Practice+Test&lang=us&links=remove
While it is hard job to pick solid certification questions/answers regarding review, reputation and validity since individuals get sham because of picking incorrec service. Killexams.com ensure to serve its customers best to its efforts as for real qeustions update and validity. Most of other's post false reports with objections about us for the brain dumps bout their customers pass their exams cheerfully and effortlessly. They never bargain on their review, reputation and quality because killexams review, killexams reputation and killexams customer certainty is imperative to us. Extraordinarily they deal with false killexams.com review, killexams.com reputation, killexams.com scam reports. killexams.com trust, killexams.com validity, killexams.com report and killexams.com that are posted by genuine customers is helpful to others. If you see any false report posted by their opponents with the name killexams scam report on web, killexams.com score reports, killexams.com reviews, killexams.com protestation or something like this, simply remember there are constantly terrible individuals harming reputation of good administrations because of their advantages. Most clients that pass their exams utilizing killexams.com brain dumps, killexams PDF questions, killexams practice questions, killexams exam VCE simulator. Visit their example questions and test brain dumps, their exam simulator and you will realize that killexams.com is the best real qeustions site.
Which is the best practice exams website?
You bet, Killexams is hundred percent legit and also fully trusted. There are several attributes that makes killexams.com reliable and legitimized. It provides updated and hundred percent valid exam questions including real exams questions and answers. Price is suprisingly low as compared to most of the services on internet. The Dumps are modified on typical basis together with most latest questions. Killexams account setup and products delivery is quite fast. Computer file downloading is actually unlimited and incredibly fast. Assistance is avaiable via Livechat and Contact. These are the characteristics that makes killexams.com a sturdy website that include exam prep with real exams questions.
Is killexams.com test material dependable?
There are several Dumps provider in the market claiming that they provide genuine exam Questions, Braindumps, Practice Tests, Study Guides, cheat sheet and many other names, but most of them are re-sellers that do not update their contents frequently. Killexams.com is best website of Year 2025 that understands the issue candidates face when they spend their time studying obsolete contents taken from free pdf get 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 Topics of new syllabus, They recommend to get PDF exam Questions from killexams.com and get ready for genuine exam. When you feel that you should register for Premium Version, Just choose visit killexams.com and register, you will receive your Username/Password in your Email within 5 to 10 minutes. All the future updates and changes in Dumps will be provided in your get Account. You can get 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 genuine Test. Go register for Test in Test Center and Enjoy your Success.
Salesforce-Certified-Marketing-Cloud-Consultant boot camp | MO-100 exam test | HPE0-S59 real questions | S2000-018 test prep | ITEC-Massage free exam practice | ACE-CPT pdf exam | CRFA mock test | C1000-127 online exam | ANS-C01 mock exam | C1000-170 practice questions | PfMP pass exam | HPE6-A69 pdf questions | 312-50v11 Study help | Podiatry-License-Exam-Part-III Study Guide | PMI-ACP test example | C1000-043 Free exam PDF | NS0-593 exam cram | 2V0-71.23 Latest Topics | RNC-NIC practice exam | AGN-BC practice exam |
101 - Application Delivery Fundamentals 2025 PDF download
101 - Application Delivery Fundamentals 2025 exam
101 - Application Delivery Fundamentals 2025 learning
101 - Application Delivery Fundamentals 2025 Practice Test
101 - Application Delivery Fundamentals 2025 real questions
101 - Application Delivery Fundamentals 2025 exam syllabus
101 - Application Delivery Fundamentals 2025 exam contents
101 - Application Delivery Fundamentals 2025 genuine Questions
101 - Application Delivery Fundamentals 2025 exam format
101 - Application Delivery Fundamentals 2025 Latest Questions
101 - Application Delivery Fundamentals 2025 exam cram
101 - Application Delivery Fundamentals 2025 test
101 - Application Delivery Fundamentals 2025 test
101 - Application Delivery Fundamentals 2025 exam Questions
101 - Application Delivery Fundamentals 2025 exam cram
101 - Application Delivery Fundamentals 2025 guide
101 - Application Delivery Fundamentals 2025 information hunger
101 - Application Delivery Fundamentals 2025 testprep
101 - Application Delivery Fundamentals 2025 exam Questions
101 - Application Delivery Fundamentals 2025 outline
101 - Application Delivery Fundamentals 2025 information search
101 - Application Delivery Fundamentals 2025 exam success
101 - Application Delivery Fundamentals 2025 Study Guide
101 - Application Delivery Fundamentals 2025 study tips
101 - Application Delivery Fundamentals 2025 Test Prep
101 - Application Delivery Fundamentals 2025 PDF Download
101 - Application Delivery Fundamentals 2025 exam Cram
101 - Application Delivery Fundamentals 2025 Free exam PDF
101 - Application Delivery Fundamentals 2025 exam format
101 - Application Delivery Fundamentals 2025 exam Questions
101 - Application Delivery Fundamentals 2025 exam help
101 - Application Delivery Fundamentals 2025 exam
101 - Application Delivery Fundamentals 2025 exam cram
101 - Application Delivery Fundamentals 2025 testing
101 - Application Delivery Fundamentals 2025 education
101 - Application Delivery Fundamentals 2025 Question Bank
101 - Application Delivery Fundamentals 2025 information search
101 - Application Delivery Fundamentals 2025 boot camp
101 - Application Delivery Fundamentals 2025 information search
101 - Application Delivery Fundamentals 2025 tricks
101 - Application Delivery Fundamentals 2025 exam syllabus
101 - Application Delivery Fundamentals 2025 exam Questions
101 - Application Delivery Fundamentals 2025 exam questions
101 - Application Delivery Fundamentals 2025 boot camp
Other F5-Networks Practice Tests
F50-522 study guide | 101 pass exam | F50-536 Free PDF | 201 free questions | 001-ARXConfig writing test questions | 301 cbt | F50-528 test prep questions | F50-532 Real exam Questions | 301b exam test |
Best practice exams You Ever Experienced
TMPTE mock exam | ASF test questions | DEX-403 study help | DES-5221 practice questions | S2000-018 certification sample | HPE6-A75 past exams | FCESP free questions | H12-211 exam cram | 1V0-81.20 practice exam | D-DP-DS-23 study questions | DANB practice test | ACF-CSC Study Guide | 312-49v10 practice exam | PCCSE PDF Questions | NSE7_LED-7.0 mock test | Salesforce-CDP exam Questions | HH0-560 exam cram | IIBA-AAC mock questions | HPE0-V26 download | ML0-320 exam questions |
References :
https://www.instapaper.com/read/1317015723
https://killexams-posting.dropmark.com/817438/23668425
http://killexams-braindumps.blogspot.com/2020/07/0day-updated-free-101-questions-and.html
http://feeds.feedburner.com/SimplyRetainThese101QuestionsBeforeYouGoForTest
https://drp.mk/i/Qdsbjj46z9
https://www.coursehero.com/file/66636164/101pdf/
https://killexams-101.jimdofree.com/
http://killexamstestprep3.blogdigy.com/101-application-delivery-fundamentals-2021-updated-dumps-by-killexams-com-11439349
https://files.fm/f/z8bc93adt
https://sites.google.com/view/killexams-101-exam-dumps
https://youtu.be/gyxbaTZhkKg
Similar Websites :
Pass4sure Certification exam Practice Tests
Pass4Sure Certification Question Bank
101 Reviews by Customers
Customer Reviews help to evaluate the exam performance in real test. Here all the reviews, reputation, success stories and ripoff reports provided.
100% Valid and Up to Date 101 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