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 ACA-BIGDATA1?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der ACA-BIGDATA1: ACA Big Data Certification Prüfung.

2024 Updated Actual ACA-BIGDATA1 questions as experienced in Test Center

Aktuelle ACA-BIGDATA1 Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz

Alibaba ACA-BIGDATA1 : ACA Big Data Certification Practice Tests

Practice Tests Organized by Martin Hoax



Latest 2024 Updated Alibaba ACA Big Data Certification Syllabus
ACA-BIGDATA1 dumps questions with Premium PDF and Test Engine

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




ACA-BIGDATA1 dumps questions : Download 100% Free ACA-BIGDATA1 practice questions (PDF and VCE)

Exam Number : ACA-BIGDATA1
Exam Name : ACA Big Data Certification
Vendor Name : Alibaba
Update : Click Here to Check Latest Update
Question Bank : Check Questions

Guarantee your prosperity with ACA-BIGDATA1 Exam Cram full of Practice Test bank
We provide legit, valid, and up-to-date ACA-BIGDATA1 practice questions with real test Questions Answers for new subjects of Alibaba ACA-BIGDATA1 exams. Practice with their real ACA-BIGDATA1 Questions Answers to enhance your knowledge and pass your ACA-BIGDATA1 test on the first attempt. They ensure your success when you face the ACA-BIGDATA1 test in an real test environment.

It can be challenging to find reliable and up-to-date study materials for the ACA-BIGDATA1 test online. Choosing the wrong ACA-BIGDATA1 Questions and Answers could result in wasting your chance to pass the exam. They strongly advise against using free ACA-BIGDATA1 PDFs from unverified websites. Instead, they recommend visiting killexams.com to obtain their 100% free ACA-BIGDATA1 Exam Questions for evaluation purposes. After reviewing the material, register and obtain the final version of their ACA-BIGDATA1 Latest Topics. Study the questions and answers, memorize the content, and take practice questions with their VCE test simulator several times before taking the real ACA-BIGDATA1 exam. Their team is passionate about helping people pass the ACA-BIGDATA1 test with their real test Exam Cram. They understand that many candidates are busy and cannot devote extensive time to studying course books. That's why they offer a shortcut to achieving ACA-BIGDATA1 objectives with their Free test PDF and practice questions using their VCE test simulator.







ACA-BIGDATA1 test Format | ACA-BIGDATA1 Course Contents | ACA-BIGDATA1 Course Outline | ACA-BIGDATA1 test Syllabus | ACA-BIGDATA1 test Objectives


Exam Specification: ACA-BIGDATA1 ACA Big Data Certification

Exam Name: ACA-BIGDATA1 ACA Big Data Certification
Exam Code: ACA-BIGDATA1
Exam Duration: 120 minutes
Passing Score: 70%
Exam Format: Multiple-choice, True/False, and Hands-on tasks
Exam Delivery: Proctored online or at a testing center

Course Outline:

1. Introduction to Big Data
- Understanding the concept of Big Data
- Exploring the characteristics and challenges of Big Data
- Overview of the Big Data ecosystem and technologies

2. Big Data Storage and Processing
- Understanding distributed file systems (e.g., Hadoop HDFS)
- Introduction to MapReduce and Apache Spark
- Exploring batch processing and stream processing frameworks

3. Data Ingestion and Integration
- Techniques for data ingestion from various sources
- Integration of structured and unstructured data
- Implementing data transformation and normalization

4. Big Data Analytics
- Introduction to data analytics and machine learning in Big Data
- Utilizing SQL and NoSQL databases for data analysis
- Implementing data visualization techniques

5. Data Governance and Security
- Ensuring data quality and data governance in Big Data projects
- Understanding data privacy and security considerations
- Implementing access control and encryption in Big Data environments

6. Big Data Infrastructure and Deployment
- Designing and configuring Big Data infrastructure
- Deploying and managing Big Data clusters
- Scaling and optimizing Big Data systems

7. Big Data Application Development
- Developing Big Data applications using programming languages (e.g., Java, Python)
- Utilizing Big Data frameworks and libraries (e.g., Apache Hadoop, Apache Spark)
- Implementing real-time data processing and analytics

Exam Objectives:

1. Understand the concepts, characteristics, and challenges of Big Data.
2. Identify and utilize Big Data storage and processing technologies.
3. Ingest and integrate data from various sources into Big Data systems.
4. Apply Big Data analytics techniques for data analysis and insights.
5. Ensure data governance, privacy, and security in Big Data projects.
6. Design, deploy, and manage Big Data infrastructure.
7. Develop Big Data applications using programming languages and frameworks.

Exam Syllabus:

Section 1: Introduction to Big Data (10%)
- Concept and characteristics of Big Data
- Challenges and opportunities in Big Data projects
- Overview of the Big Data ecosystem and technologies

Section 2: Big Data Storage and Processing (20%)
- Distributed file systems (e.g., Hadoop HDFS)
- MapReduce and Apache Spark for data processing
- Batch processing and stream processing frameworks

Section 3: Data Ingestion and Integration (15%)
- Techniques for data ingestion from various sources
- Integration of structured and unstructured data
- Data transformation and normalization

Section 4: Big Data Analytics (15%)
- Data analytics and machine learning in Big Data
- SQL and NoSQL databases for data analysis
- Data visualization techniques

Section 5: Data Governance and Security (10%)
- Data quality and data governance in Big Data projects
- Data privacy and security considerations
- Access control and encryption in Big Data environments

Section 6: Big Data Infrastructure and Deployment (15%)
- Designing and configuring Big Data infrastructure
- Deployment and management of Big Data clusters
- Scaling and optimization of Big Data systems

Section 7: Big Data Application Development (15%)
- Big Data application development using programming languages
- Utilizing Big Data frameworks and libraries
- Real-time data processing and analytics



Killexams Review | Reputation | Testimonials | Feedback


Surprised to find updated ACA-BIGDATA1 questions at a low price.
I endorse killexams.com for providing high-quality instructional offerings online, which helped me score highly in the ACA-BIGDATA1 exam. The material is reliable, and I recommend all college students to take advantage of it.


Did you try this exceptional source of the latest practice tests?
I was searching for the best dump to prepare for my ACA-BIGDATA1 exam, and killexams.com exceeded my expectations. Their study guides material included all the essential topics, and I was pleased to find that it was not overwhelming. I am thrilled to have found killexams.com and used their material for my training.


Am I able to obtain contact details for ACA-BIGDATA1 certified professionals?
Killexams.com is outstanding in every aspect. The ACA-BIGDATA1 study guide is comprehensive, providing the latest updates and real test questions, allowing you to focus on what matters most. I used their test simulator extensively, which gave me the confidence to face the real test with ease. Investing in Killexams.com was undoubtedly a wise decision for my career, and I am thrilled to have passed the ACA-BIGDATA1 test with flying colors. I have added my certification to my resume and LinkedIn profile, which has helped boost my professional reputation.


These ACA-BIGDATA1 practice questions work great in the real exam.
I was able to pass all the ACA-BIGDATA1 exams effortlessly thanks to this website. It was very useful in helping me pass the tests and understand the principles thoroughly. All the questions were explained thoroughly, which made it easier for me to understand.


Download and try out these real ACA-BIGDATA1 questions.
My roommate and I have lived together for a long time, and they often disagree and argue about various matters. However, if there is one thing they both agree on, it's that killexams.com is the best one on the internet to use if you want to pass your ACA-BIGDATA1. They both used it and were very satisfied with the results they got. I was able to perform well in my ACA-BIGDATA1 exam, and my marks were excellent. Thank you for the guidance.


Alibaba Certification test prep

ACA-BIGDATA1 Exam

User: Alejandro*****

It is difficult to find test material that covers all the necessary skills required to take the ACA-BIGDATA1 exam. However, I was fortunate enough to use the killexams.com material, which had all the required information and capabilities. The ACA-BIGDATA1 practice questions were also very useful and provided comprehensive courses in a seamless manner, making it easy for me to practice and analyze every problem. I highly recommend this material to my friends.
User: Lillian*****

My busy work schedule made it hard to study for the aca-bigdata1 exam, but when I discovered Killexams.com query and answer service, it encouraged me to take the test. The service cleared all my doubts on the topic, and I was thrilled to score 96% on the exam. I credit Killexams.com for this achievement, and I highly recommend it to anyone preparing for the exam.
User: Myra*****

Preparing for the ACA-BIGDATA1 test was a challenging task due to the many complex courses that needed to be covered. However, the killexams.com guide helped me gain the confidence to pass the test with a great pass rate of 84%. The practice questions that were provided in the guide helped me understand the issues more effectively, and the matching answers helped me mark the correct answers even if the questions were twisted.
User: Yaryna*****

The material provided by killexams.com was easy to understand and sufficient for my preparation of the aca-bigdata1 exam. I had tried other test practice questions in the past, but they were not as helpful as the ones from killexams.com. I am sincerely grateful to the team for creating such a powerful and easy-to-understand material for a difficult exam. I had thought passing this test without any difficulty was impossible, but you made it happen. In the real exam, I answered 76 questions successfully, thanks to the revolutionary product you supplied me with.
User: Opal*****

I used killexams.com practice questions to study for my aca-bigdata1 test and managed to pass it. I am so grateful for your encouragement and support, and I will definitely be recommending your website to others who are studying for certification tests. Your Questions Answers and test Simulator were incredibly helpful and thorough.

ACA-BIGDATA1 Exam

Question: How much hardworking required to pass ACA-BIGDATA1 exam?
Answer: If you are a good reader and memorize questions well, you need not do much hardworking. Go to killexams.com and obtain the complete dumps questions of ACA-BIGDATA1 test test prep after you register for the full version. These ACA-BIGDATA1 questions are taken from the real ACA-BIGDATA1 exam, that's why these ACA-BIGDATA1 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 these ACA-BIGDATA1 questions are sufficient to pass the exam. They recommend taking your time to study and practice ACA-BIGDATA1 VCE test until you are sure that you can answer all the questions that will be asked in the real ACA-BIGDATA1 exam.
Question: Where will I find exact Questions Answers of ACA-BIGDATA1 exam?
Answer: Killexams online account is the best place where you can obtain up-to-date and latest ACA-BIGDATA1 test prep questions. Killexams recommend these ACA-BIGDATA1 questions to memorize before you go for the real test because this ACA-BIGDATA1 dumps questions contains to date and 100% valid ACA-BIGDATA1 dumps questions with the new syllabus. Killexams has provided the shortest ACA-BIGDATA1 questions for busy people to pass ACA-BIGDATA1 test without studying massive course books. If you go through these ACA-BIGDATA1 questions, you are more than ready to take the test. They recommend taking your time to study and practice ACA-BIGDATA1 VCE test until you are sure that you can answer all the questions that will be asked in the real ACA-BIGDATA1 exam. For a full version of ACA-BIGDATA1 test prep, visit killexams.com and register to obtain the complete dumps questions of ACA-BIGDATA1 test test prep. These ACA-BIGDATA1 test questions are taken from real test sources, that's why these ACA-BIGDATA1 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 these ACA-BIGDATA1 questions are sufficient to pass the exam.
Question: Can I find the LaACTUAL EXAM QUESTIONS Questions & Answers of ACA-BIGDATA1 exam?
Answer: Yes. You can find the latest ACA-BIGDATA1 VCE test from killexams.com with a VCE test simulator for practice. You can memorize and practice these Questions Answers with the VCE test simulator. It will train you enough to get good marks in the exam.
Question: Is there a way to pass ACA-BIGDATA1 test without studying massive books?
Answer: Killexams has provided the shortest ACA-BIGDATA1 questions for busy people to pass ACA-BIGDATA1 test without studying massive course books. If you go through these ACA-BIGDATA1 questions, you are more than ready to take the test. They recommend taking your time to study and practice ACA-BIGDATA1 VCE test until you are sure that you can answer all the questions that will be asked in the real ACA-BIGDATA1 exam. For a full version of ACA-BIGDATA1 test prep, visit killexams.com and register to obtain the complete dumps questions of ACA-BIGDATA1 test test prep. These ACA-BIGDATA1 test questions are taken from real test sources, that's why these ACA-BIGDATA1 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 these ACA-BIGDATA1 questions are sufficient to pass the exam.
Question: Which website provide valid test prep?
Answer: Killexams is the best certification test prep website that provides up-to-date and 100% valid test questions with practice tests. These VCE practice questions are very good for test practice to pass the test on the first attempt. Killexams team keeps on updating the VCE test continuously.
Alibaba+Certification+test+prep
https://www.pass4surez.com/art/read.php?keyword=Alibaba+Certification+test+prep&lang=us&links=remove

Obviously it is hard task to pick solid certification Questions Answers concerning review, reputation and validity since individuals get scam because of picking bad service. Killexams.com ensure to serve its customers best to its value concerning ACTUAL EXAM QUESTIONS update and validity. The vast majority of customers scam by resellers come to us for the ACTUAL EXAM QUESTIONS and pass their exams cheerfully and effectively. They never trade off on their review, reputation and quality because killexams review, killexams reputation and killexams customer certainty is vital to us. Specially they deal with killexams.com review, killexams.com reputation, killexams.com scam report grievance, killexams.com trust, killexams.com validity, killexams.com report. In the event that you see any false report posted by their competitors with the name killexams scam report, killexams.com failing report, killexams.com scam or something like this, simply remember there are several terrible individuals harming reputation of good administrations because of their advantages. There are a great many successful clients that pass their exams utilizing killexams.com ACTUAL EXAM QUESTIONS, killexams PDF questions, killexams questions bank, killexams VCE test simulator. Visit their specimen questions and test ACTUAL EXAM QUESTIONS, their test simulator and you will realize that killexams.com is the best brain dumps site.

Which is the best practice questions website?
You bet, Killexams is 100% legit plus fully reliable. There are several options that makes killexams.com unique and legit. It provides up to par and 100% valid test questions formulated with real exams questions and answers. Price is very low as compared to almost all the services on internet. The Questions Answers are modified on ordinary basis by using most exact questions. Killexams account method and device delivery is quite fast. File downloading can be unlimited and intensely fast. Aid is avaiable via Livechat and Message. These are the characteristics that makes killexams.com a sturdy website that supply test prep with real exams questions.



Is killexams.com test material dependable?
There are several Questions Answers 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 obtain sites or reseller sites. Thats why killexams.com update test Questions Answers 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 dumps questions 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 courses of new syllabus, They recommend to obtain 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 Questions Answers will be provided in your obtain Account. You can obtain 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 Exam Center and Enjoy your Success.




PL-400 study guide | CISSP free VCE test | 1V0-41.20 test test | 2B0-020 test questions | 6210 boot camp | ISO20KF mock test | EADE105 PDF obtain | ACNP-BC mock test | PCCSA questions answers | PMHCNS-BC free study guide | NCIDQ-CID practice questions | ICDL-NET Free PDF | 156-915.80.10 test Questions | CNAMB free questions | DES-2T13 test prep | C1000-121 mock test | Series7 test practice | AMWA-MWC study guide | MAT VCE test | ECP-206 test cram |


ACA-BIGDATA1 - ACA Big Data Certification learning
ACA-BIGDATA1 - ACA Big Data Certification test contents
ACA-BIGDATA1 - ACA Big Data Certification exam
ACA-BIGDATA1 - ACA Big Data Certification boot camp
ACA-BIGDATA1 - ACA Big Data Certification information search
ACA-BIGDATA1 - ACA Big Data Certification Practice Questions
ACA-BIGDATA1 - ACA Big Data Certification techniques
ACA-BIGDATA1 - ACA Big Data Certification test questions
ACA-BIGDATA1 - ACA Big Data Certification PDF Download
ACA-BIGDATA1 - ACA Big Data Certification test questions
ACA-BIGDATA1 - ACA Big Data Certification questions
ACA-BIGDATA1 - ACA Big Data Certification real questions
ACA-BIGDATA1 - ACA Big Data Certification boot camp
ACA-BIGDATA1 - ACA Big Data Certification information search
ACA-BIGDATA1 - ACA Big Data Certification information hunger
ACA-BIGDATA1 - ACA Big Data Certification PDF Questions
ACA-BIGDATA1 - ACA Big Data Certification tricks
ACA-BIGDATA1 - ACA Big Data Certification learning
ACA-BIGDATA1 - ACA Big Data Certification test Cram
ACA-BIGDATA1 - ACA Big Data Certification outline
ACA-BIGDATA1 - ACA Big Data Certification learn
ACA-BIGDATA1 - ACA Big Data Certification learn
ACA-BIGDATA1 - ACA Big Data Certification PDF questions
ACA-BIGDATA1 - ACA Big Data Certification education
ACA-BIGDATA1 - ACA Big Data Certification book
ACA-BIGDATA1 - ACA Big Data Certification Real test Questions
ACA-BIGDATA1 - ACA Big Data Certification test format
ACA-BIGDATA1 - ACA Big Data Certification outline
ACA-BIGDATA1 - ACA Big Data Certification test questions
ACA-BIGDATA1 - ACA Big Data Certification PDF Download
ACA-BIGDATA1 - ACA Big Data Certification test format
ACA-BIGDATA1 - ACA Big Data Certification Test Prep
ACA-BIGDATA1 - ACA Big Data Certification study tips
ACA-BIGDATA1 - ACA Big Data Certification Practice Questions
ACA-BIGDATA1 - ACA Big Data Certification cheat sheet
ACA-BIGDATA1 - ACA Big Data Certification certification
ACA-BIGDATA1 - ACA Big Data Certification teaching
ACA-BIGDATA1 - ACA Big Data Certification information search
ACA-BIGDATA1 - ACA Big Data Certification techniques
ACA-BIGDATA1 - ACA Big Data Certification information hunger
ACA-BIGDATA1 - ACA Big Data Certification Free PDF
ACA-BIGDATA1 - ACA Big Data Certification PDF Download
ACA-BIGDATA1 - ACA Big Data Certification questions
ACA-BIGDATA1 - ACA Big Data Certification real questions

Other Alibaba Practice Tests


ACA-Database free questions | ACA-Sec1 test prep | ACP-Sec1 practice test | ACA-Operator test Questions | ACA-Developer mock questions | ACA-BIGDATA1 test tips | ACA-CloudNative free practice tests | ACA-Cloud1 test questions |


Best practice questions You Ever Experienced


ACE-CHC mock exam | CSSBB english test questions | PEGACPMC84V1 free pdf | C1000-112 study guide | Copado-Robotic-Testing certification sample | VCS-257 free pdf | HPE6-A71 PDF Questions | 4A0-N02 practice questions | PCNSE Practice Questions | HPE2-T37 prep questions | NCAC-I examcollection | RTRP mock questions | ACLS mock questions | SPLK-1001 trial test questions | AZ-104 test papers | FN0-125 test tips | JN0-451 practice exam | H12-111_V2.5-ENU bootcamp | SHRM-SCP test questions | 1T6-111 pass marks |





References :





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






Direct Download

ACA-BIGDATA1 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.

ACA-BIGDATA1 Reviews

100% Valid and Up to Date ACA-BIGDATA1 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