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-Cloud1?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der ACA-Cloud1: ACA Cloud Computing Certification Exam Prüfung.

2025 Updated Actual ACA-Cloud1 questions as experienced in Test Center

Aktuelle ACA-Cloud1 Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz

Alibaba ACA-Cloud1 : ACA Cloud Computing Certification exam Practice Tests

Practice Tests Organized by Shahid nazir



Latest 2025 Updated Alibaba ACA Cloud Computing Certification exam Syllabus
ACA-Cloud1 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-Cloud1 dumps questions : Download 100% Free ACA-Cloud1 practice tests (PDF and VCE)

Exam Number : ACA-Cloud1
Exam Name : ACA Cloud Computing Certification Exam
Vendor Name : Alibaba
Update : Click Here to Check Latest Update
Question Bank : Check Questions

ACA-Cloud1 Latest Questions are daily updated at killexams.com
To prepare for the ACA-Cloud1 exam, read their Alibaba ACA-Cloud1 TestPrep and practice with their VCE exam simulator for around 24 hours. Register at killexams.com to obtain a 100% free TestPrep copy to evaluate the quality of Mock Questions. Then, obtain the full version of the ACA-Cloud1 dumps questions to study and prepare for the real test.

When it comes to finding ACA-Cloud1 exam questions online, there are countless suppliers to choose from, but unfortunately most of them are selling outdated material. To ensure you are getting the most reliable and trustworthy ACA-Cloud1 exam questions provider on the web, they recommend turning to killexams.com. However, it's important to keep in mind that your research should not end up being a waste of time and money. To get started, visit killexams.com and obtain 100% free ACA-Cloud1 sample questions to assess the quality of their material. If you are satisfied, sign up for a three-month account to obtain the latest and most valid ACA-Cloud1 exam questions that include real test questions and answers. Plus, take advantage of their great discount coupons and don't forget to obtain ACA-Cloud1 VCE test simulator for practice.

By copying ACA-Cloud1 exam questions PDF onto any device, you can study and memorize the real ACA-Cloud1 questions while on vacation or traveling. This will save you a lot of time and supply you more opportunity to study ACA-Cloud1 questions. Practice ACA-Cloud1 exam questions with VCE exam simulator over and over again until you score 100%. Once you feel confident, head straight to the Exam Center for the real ACA-Cloud1 exam.

In 2025, there were many changes and improvements made to ACA-Cloud1 and they have incorporated all the updates in their real questions. Their 2025 updated ACA-Cloud1 braindumps ensure your success in the real exam. They recommend going through the full dumps questions at least once before taking the real test. This is not only because people who use their ACA-Cloud1 exam questions feel an improvement in their knowledge, but also because they can work in a real environment within the organization as experts. They don't just focus on passing ACA-Cloud1 exam with braindumps, but truly aim to Strengthen understanding of ACA-Cloud1 subjects and objectives. This is how individuals become successful.







ACA-Cloud1 exam Format | ACA-Cloud1 Course Contents | ACA-Cloud1 Course Outline | ACA-Cloud1 exam Syllabus | ACA-Cloud1 exam Objectives


Alibaba Cloud Certification Associate (ACA - Alibaba Cloud Certification Associate) is a certification designed for personnel who can use Alibaba Cloud Computing products. It covers all of Alibaba Cloud's core products from computing, storage, networking to security.

Exam Overview
Certification:ACA Cloud Computing Certification
Duration:90 minutes
Test type:Registration online and take the exam at offline exam center
Available Languages:English
Attention:Please note if you want to take the same certification exam again, you must have at least 14 days gap between the 2 exams.

Alibaba Cloud Certification Associate (ACA - Alibaba Cloud Certification Associate) is a
certification technical designed for personnel who can use Alibaba Cloud Computing products. It
covers Alibaba Cloud's core products including computing, storage, networking and security. This
certification assesses the certificate holders' possession of the following capabilities:
● Has general knowledge of IT, Cloud Computing and Network Security.
● Is able to develop general solutions and enterprise best practices based on Alibaba
Cloud's products and business needs.
● Has knowledge in the use and operation of Alibaba Cloud's ECS, Server Load Balancers,
OSS, VPC, Auto Scaling, CDN, Alibaba Cloud Security and CloudMonitor products.

Alibaba Cloud-related knowledge:
● Familiar with the concepts of Alibaba Cloud Computing related products, including ECS,
Server Load Balancers, Auto Scaling, OSS, Alibaba Cloud Security services and
CloudMonitor (the same below).
● Aware of main application scenarios of Alibaba Cloud Computing-related products and
how they shall be used together.
● Familiar with operations of Alibaba Cloud Computing-related products, including
activating, creating, configuring, starting and stopping and deleting a service instance.
● Familiar with features of Alibaba Cloud Computing-related products and key product
implementation principles.
● Able to discover and resolve common issues emerged during the use of Alibaba Cloud
Computing-related products.

ECS 30%
Server Load Balancer 20%
Object Storage Service (OSS) 15%
Relation Database (RDS) 10%
Auto Scaling 10%
Alibaba Cloud Security Service and Cloud Monitor 10%
General knowledge about Cloud Computing 5%

ECS:
✓ Familiar with ECS-related concepts, including regions and zones, instances,
disks, snapshots, images, networks, and security groups.
✓ Has knowledge about the advantages, billing policies, application scenarios,
APIs and SDKs of ECS.
✓ Able to deploy applications based on ECS products.
✓ Familiar with the usage and operations of ECS instances, disks, security groups,
snapshots, images and tags.
● Auto Scaling:
✓ Familiar with the basic concepts related to Auto Scaling, including scaling
groups, scaling configuration, scaling rules, scaling activities, scaling trigger
tasks, scaling mode and freezing time.
✓ Familiar with Auto Scaling features, product advantages and common
application scenarios.
● Server Load Balancer:
✓ Familiar with Server Load Balancer-related basic concepts and features,
including the Server Load Balancer definition, implementation principles,
supported protocols, session persistence, health checks, backend server
weights, certificates, and forwarding policies.
✓ Familiar with Server Load Balancers product advantages and its application
scenarios.
✓ Has knowledge about usage, operation and maintenance of Server Load
Balancers, including Server Load Balancer configuration, maintenance,
precautions, and problem identification and handling.
● OSS:
✓ Familiar with the OSS-related concepts, including regions, buckets, objects,
anti-leech, and object lifecycle management.
✓ Has knowledge about the advantages, application scenarios and billing models
of OSS products.
✓ Has knowledge about the management, use and operations of OSS buckets and
objects.
● RDS:
✓ Familiar with the RDS-related concepts and the database type supported,
include MySQL, SQL Server, PostgreSQL and PPAS.
✓ Has knowledge about the advantages, application scenarios and billing models
of RDS products.
✓ Has knowledge about the management, use and operations of RDS instance,
such as connecting to RDS, read only and backup, etc.
● Alibaba Cloud Security services and CloudMonitor:
✓ Has basic security awareness and security basics of using Cloud services.
✓ Has knowledge about Alibaba Cloud Security series, such as Anti-DDoS Basic,
Anti-DDoS Pro, Security Center and CloudMonitor.
● General knowledge about Cloud Computing:
✓ Practitioners in the cloud computing field are required to possess basic
knowledge about the related concepts, technologies and cloud computing
advantages, including the definition, features, advantages, service types,
implementation technologies and deployment methods of cloud computing.



Killexams Review | Reputation | Testimonials | Feedback


Take advantage of ACA-Cloud1 Practice Tests; use these questions to ensure your success.
The questions provided by killexams.com were very similar to the real ones in the ACA-Cloud1 exam. I passed the exam the other day, thanks to killexams.com Braindumps and exam Simulator, which proved to be a tremendous asset for me. Several months ago, I had failed the exam the first time I took it, but now I have passed it successfully.


Preparing for the ACA-Cloud1 exam is a matter of just a few hours now.
Thanks to the killexams.com team, I was able to attempt their ACA-Cloud1 exam questions and got a hundred percent marks. It was the first time that I used their guidance material, and I appreciate their team's effort.


I found an accurate source for the latest ACA-Cloud1 practice exam question bank.
Thanks to killexams.com questions and answers, I was efficient enough to pass this exam easily. I answered 90/95 questions within the given timeframe and passed with ease. I never thought that passing the ACA-Cloud1 exam was possible, given my full-time work and valid degree preparation aspect. But I came across killexams.com and decided to supply it a try.


I've found an excellent source of updated ACA-Cloud1 materials.
We are pleased to hear that killexams.com was able to help boost your confidence in your training for the ACA-Cloud1 exam. It's always great to hear that their product has assisted students in achieving suitable scores. They appreciate your trust in their product and hope to continue to support you in all your future certification exams.


It's nice to know that updated practice tests for the ACA-Cloud1 exam are available.
Most of the questions in the ACA-Cloud1 exam were identical to killexams.com Braindumps material, which helped me save time and complete all 75 questions. The up-to-date questions made me feel confident in passing the exam.


Alibaba exam test

ACA-Cloud1 Exam

User: Tania*****

I almost lost faith in myself after failing the ACA-CLOUD1 exam. However, with a score of 87% on my second attempt, I passed the exam thanks to Killexams.com questions and answers. The ACA-CLOUD1 exam subject matter was troublesome for me to comprehend, but Killexams.com material helped me prepare in just four weeks. I am grateful to my friend who suggested using Killexams.com, as I was able to overcome my initial struggles and pass the exam.
User: Lieve*****

I had an excellent experience preparing for the ACA-CLOUD1 exam with Killexams.com comprehensive study materials. The Braindumps 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: Sofya*****

The aca-cloud1 questions from killexams.com mirror exactly what the Exam Center gives you in the exam, and their preparation material is excellent. I passed with over 80% thanks to their helpful study guides.
User: Evie*****

The killexams.com dumps questions was really good, and I passed my ACA-CLOUD1 exam with 68% marks. The questions were excellent, and they kept updating the database with new ones. I highly recommend killexams.com to anyone who wants to pass their exams. Thank you so much for your excellent service.
User: Jake*****

The team at Killexams.com deserves a big thank you for creating exceptional practice tests for the aca-cloud1 exam. Its clear that students cannot even think of attempting the aca-cloud1 exam without the help of the Killexams exam engine. I had tried various resources for my exam preparation, but I lacked the confidence to take the aca-cloud1 exam. However, Killexams exam guide made exam preparation easy and boosted my confidence to attempt the exam.

ACA-Cloud1 Exam

Question: I do not see ACA-Cloud1 exam simulator in my obtain section, why?
Answer: Sometimes, you forget to include exam Simulator in your order. If you are sure that you included the exam simulator in your order, write an email to support or contact via live chat and provide your order number. There is usually a difference of $10 additional to the PDF for the exam simulator.
Question: Where can I obtain ACA-Cloud1 Practice Test?
Answer: Yes, You can obtain the VCE exam simulator from your MyAccount. For ACA-Cloud1 Practice tests, you need to Install Killexams exam Simulator on your computer with Windows operating system. You can follow the steps supply at https://killexams.com/exam-simulator-installation.html to install and open the exam simulator on your computer. exam simulator is used to practice ACA-Cloud1 exam questions and answers.
Question: How will I receive my killexams username and password?
Answer: Killexams take just 5 to 10 minutes to set up your online obtain account. It is an automatic process and completes in very little time. When you complete your payment, their system starts setting up your account within no time and it takes less than 5 minutes. You will receive an email with your login information immediately after your account is setup. You can then login and obtain your exam files.
Question: Which is best certification training website?
Answer: Killexams is the best of all certification training websites that provide up-to-date and valid exam questions with practice tests for the training of candidates to pass the exam at the first attempt.
Question: Where am I able to obtain ACA-Cloud1 real exam question?
Answer: Killexams.com is the best place to get updated ACA-Cloud1 real exam questions. These ACA-Cloud1 real questions work in the real test. You will pass your exam with these ACA-Cloud1 questions. If you supply some time to study, you can prepare for an exam with much boost in your knowledge. They recommend spending as much time as you can to study and practice ACA-Cloud1 practice exam until you are sure that you can answer all the questions that will be asked in the real ACA-Cloud1 exam. For this, you should visit killexams.com and register to obtain the complete dumps questions of ACA-Cloud1 exam test prep. These ACA-Cloud1 exam questions are taken from real exam sources, that's why these ACA-Cloud1 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 ACA-Cloud1 questions are sufficient to pass the exam.
Alibaba+Exam+test
https://www.pass4surez.com/art/read.php?keyword=Alibaba+Exam+test&lang=us&links=remove



Obviously it is hard task to pick solid certification Braindumps 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 exam questions update and validity. The vast majority of customers scam by resellers come to us for the 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 exam dumps, killexams PDF questions, killexams questions bank, killexams VCE exam simulator. Visit their specimen questions and test exam dumps, their exam simulator and you will realize that killexams.com is the best brain dumps site.

Which is the best practice tests website?
Indeed, Killexams is 100 % legit and even fully dependable. There are several includes that makes killexams.com unique and reliable. It provides up to date and 100 % valid exam questions filled with real exams questions and answers. Price is minimal as compared to most of the services on internet. The Braindumps are updated on usual basis by using most recent questions. Killexams account method and products delivery is incredibly fast. File downloading is unlimited and intensely fast. Service is avaiable via Livechat and Contact. These are the characteristics that makes killexams.com a robust website offering exam prep with real exams questions.



Is killexams.com test material dependable?
There are several Braindumps provider in the market claiming that they provide real 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 obtain sites or reseller sites. Thats why killexams.com update exam Braindumps 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 questions 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 syllabus of new syllabus, They recommend to obtain PDF exam 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 Braindumps will be provided in your obtain Account. You can obtain Premium practice exam files as many times as you want, There is no limit.

Killexams.com has provided VCE practice exam Software to Practice your exam by Taking Test Frequently. It asks the Real exam Questions and Marks Your Progress. You can take test as many times as you want. There is no limit. It will make your test prep very fast and effective. When you start getting 100% Marks with complete Pool of Questions, you will be ready to take real Test. Go register for Test in Exam Center and Enjoy your Success.




CWISA-101 mock questions | 4A0-N02 obtain | BL00100-101-E exam prep | 304-200 prep questions | ACP-Sec1 Study help | ASIS-APP pdf exam | 4A0-C04 practice questions | MISCPRODUCT PDF Questions | Salesforce-Consumer-Goods-Cloud practice exam | JN0-682 exam preparation | QlikView-Business-Analyst-Certification exam cram | ACNP-BC exam results | MBLEX PDF obtain | A00-240 test example | NBCOT mock test | IOS-158 free pdf | CCI exam answers | NLN-CNE practice exam | 2B0-100 sample questions | IIBA-AAC bootcamp |


ACA-Cloud1 - ACA Cloud Computing Certification exam techniques
ACA-Cloud1 - ACA Cloud Computing Certification exam PDF Download
ACA-Cloud1 - ACA Cloud Computing Certification exam outline
ACA-Cloud1 - ACA Cloud Computing Certification exam exam
ACA-Cloud1 - ACA Cloud Computing Certification exam book
ACA-Cloud1 - ACA Cloud Computing Certification exam Real exam Questions
ACA-Cloud1 - ACA Cloud Computing Certification exam certification
ACA-Cloud1 - ACA Cloud Computing Certification exam Free PDF
ACA-Cloud1 - ACA Cloud Computing Certification exam tricks
ACA-Cloud1 - ACA Cloud Computing Certification exam Question Bank
ACA-Cloud1 - ACA Cloud Computing Certification exam study tips
ACA-Cloud1 - ACA Cloud Computing Certification exam exam help
ACA-Cloud1 - ACA Cloud Computing Certification exam exam contents
ACA-Cloud1 - ACA Cloud Computing Certification exam Study Guide
ACA-Cloud1 - ACA Cloud Computing Certification exam Real exam Questions
ACA-Cloud1 - ACA Cloud Computing Certification exam answers
ACA-Cloud1 - ACA Cloud Computing Certification exam testing
ACA-Cloud1 - ACA Cloud Computing Certification exam test
ACA-Cloud1 - ACA Cloud Computing Certification exam course outline
ACA-Cloud1 - ACA Cloud Computing Certification exam cheat sheet
ACA-Cloud1 - ACA Cloud Computing Certification exam course outline
ACA-Cloud1 - ACA Cloud Computing Certification exam Latest Questions
ACA-Cloud1 - ACA Cloud Computing Certification exam syllabus
ACA-Cloud1 - ACA Cloud Computing Certification exam test questions
ACA-Cloud1 - ACA Cloud Computing Certification exam tricks
ACA-Cloud1 - ACA Cloud Computing Certification exam PDF Download
ACA-Cloud1 - ACA Cloud Computing Certification exam test questions
ACA-Cloud1 - ACA Cloud Computing Certification exam book
ACA-Cloud1 - ACA Cloud Computing Certification exam Latest Topics
ACA-Cloud1 - ACA Cloud Computing Certification exam test
ACA-Cloud1 - ACA Cloud Computing Certification exam test questions
ACA-Cloud1 - ACA Cloud Computing Certification exam certification
ACA-Cloud1 - ACA Cloud Computing Certification exam learning
ACA-Cloud1 - ACA Cloud Computing Certification exam Real exam Questions
ACA-Cloud1 - ACA Cloud Computing Certification exam practice tests
ACA-Cloud1 - ACA Cloud Computing Certification exam book
ACA-Cloud1 - ACA Cloud Computing Certification exam study help
ACA-Cloud1 - ACA Cloud Computing Certification exam answers
ACA-Cloud1 - ACA Cloud Computing Certification exam exam
ACA-Cloud1 - ACA Cloud Computing Certification exam answers
ACA-Cloud1 - ACA Cloud Computing Certification exam certification
ACA-Cloud1 - ACA Cloud Computing Certification exam book
ACA-Cloud1 - ACA Cloud Computing Certification exam test
ACA-Cloud1 - ACA Cloud Computing Certification exam techniques

Other Alibaba Practice Tests


ACA-Sec1 mock questions | ACP-Sec1 cbt | ACA-Cloud1 Study help | ACA-CloudNative Latest Topics | ACA-Developer questions download | ACA-Operator question test | ACA-BIGDATA1 free questions | ACA-Database free study guide |


Best practice tests You Ever Experienced


BL00100-101-E exam prep | 630-006 pdf exam | CLTD Practice test | 920-556 questions and answers | 9L0-062 exam preparation | C1000-085 exam questions | Salesforce-Advanced-Cross-Channel practice questions | ACA-Operator mock questions | ISTQB-Advanced-Level-3 pdf questions | NBSTSA-CST test prep | 920-220 exam cram | DP-900 practice exam | NSE7_LED-7.0 exam questions | NBCSN-NCSN free online test | WSO2-CEID exam prep | Servicenow-CIS-CSM PDF Download | NCEES-PE-Electrical-and-Computer sample test questions | DMDI301 mock test | F50-536 test prep | 630-007 practice questions |





References :


https://www.instapaper.com/read/1318711127
http://killexams-braindumps.blogspot.com/2020/07/unlimited-download-aca-cloud1-pdf.html
https://killexams-posting.dropmark.com/817438/23792817
http://feeds.feedburner.com/SimplyRememberTheseAca-cloud1QuestionsBeforeYouGoForTest
https://drp.mk/i/QN51677dSQ
https://www.coursehero.com/file/68799730/ACA-Cloud-Computing-Certification-Exam-ACA-Cloud1pdf/
https://files.fm/f/3mysfdua
https://youtu.be/q2jxOSgTs90
https://sites.google.com/view/killexams-aca-cloud1-cheat-she



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






Direct Download

ACA-Cloud1 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-Cloud1 Reviews

100% Valid and Up to Date ACA-Cloud1 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