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 AZ-120?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der AZ-120: Planning and Administering Microsoft Azure for SAP Workloads Prüfung.

2026 Updated Actual AZ-120 questions as experienced in Test Center

Aktuelle AZ-120 Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz

MCQs

Microsoft AZ-120 : Planning and Administering Microsoft Azure for SAP Workloads exam Questions, MCQs and Practice Test

Practice Test Organized by Richard



Latest 2026 MCQs of Microsoft Planning and Administering Microsoft Azure for SAP Workloads
AZ-120 exam Questions & Practice Test, MCQs in Premium PDF and Test Engine

MCQs practice test and Free Test Engine Software - MCQs Updated on Daily Basis
Big Discount / Cheapest price & 100% Success Rate




AZ-120 MCQs : Download 100% Free AZ-120 exam Questions (PDF and VCE)

Exam Number : AZ-120
Exam Name : Planning and Administering Microsoft Azure for SAP Workloads
Vendor Name : Microsoft
Update : Click Here to Check Latest Update
Total MCQs : Check Questions

Download todays updated AZ-120 MCQs with Mock Exam
If you are eager to pass the Microsoft AZ-120 exam and advance your career, killexams.com offers a straightforward way to prepare with their reliable and up-to-date AZ-120 test questions, which come with a 100% unconditional guarantee. Their site provides the latest and most current 2026 killexams AZ-120 online exam practice featuring real AZ-120 test questions for new exam topics.

The AZ-120 exam poses a formidable challenge, nearly impossible to conquer with only course materials or free online resources. Its intricate and unique questions often leave candidates bewildered, risking failure. Killexams.com provides a powerful solution with authentic AZ-120 test prep questions Practice Tests, delivered through Question Bank and a cutting-edge VCE test system. Experience their quality firsthand by downloading 100% free AZ-120 MCQs before committing to the full AZ-120 test prep questions version, ensuring complete satisfaction.

Countless candidates have triumphed in the AZ-120 exam with their MCQs Practice Tests, securing prestigious roles and significantly boosting their earnings. Their success stems not only from studying their AZ-120 test engine but also from gaining a profound mastery of AZ-120 syllabus and objectives. At killexams.com, their mission transcends merely passing the AZ-120 exam with their questions and answers; they are dedicated to enhancing your knowledge and expertise in the field, paving the way for true professional success.







AZ-120 exam Format | AZ-120 Course Contents | AZ-120 Course Outline | AZ-120 exam Syllabus | AZ-120 exam Objectives


The content of this exam was updated on July 21- 2020. Please obtain the exam skills outline below to see what changed.

Migrate SAP Workloads to Azure (10-15%)

Design an Azure solution to support SAP Workloads (20-25%)

Build and deploy Azure for SAP Workloads (35-40%)

Validate Azure infrastructure for SAP Workloads (10-15%)

Operationalize Azure SAP architecture (10-15%)



Migrate SAP Workloads to Azure (10-15%)

Create an inventory of existing SAP landscapes

 network inventory

 security inventory

 computing inventory

 operations system inventory

 resiliency and availability inventory

 SAP Database Inventory

 SAP Landscape architecture

 SAP workload performance SLA and metrics

 migration considerations

Design a migration strategy

 certified and support SAP Hana hardware directory

 design criteria for Tailored Datacenter Integration (TDI) v4 and v5 solutions

 databox with import and export

 HANA System Replication (HSR)

 ASR for SAP

 backup and restore methods and solutions

 infrastructure optimization for migration

Design an Azure Solution to Support SAP Workloads (20-25%)

Design a core infrastructure solution in Azure to support SAP workloads

 network topology requirements

 security requirements

 virtual or bare metal

 compute

 operating system requirements

 support SAP version

 storage requirements

 proximity placement group

 infrastructure requirements

Design Azure infrastructure services to support SAP workloads

 backup and restoration requirements

 SLA/High Availability

 data protection (EFS- LRS/GRS- Availability Zones)

 compliance

 monitoring

 licensing

 application interfaces

 dependencies

Design a resilient Azure solution to support SAP workloads

 HA models supported in HANA (N+N- N+0 and N+1)

 application servers

 SAP Central services

 availability sets

 availability zones

 Disaster Recovery (DR) with Hero Regions

 Database HA

Build and Deploy Azure for SAP Workloads (35-40%)

Automate deployment of Virtual Machines (VMs)

 Azure Resource Manager (ARM) template

 automated configuration of VM

 scripting with automation tools- including script development- script modification- and deployment dependencies

Implement and manage virtual networking

 IDS/IPS for Azure

 routing fundamentals

 subnetting strategy

 isolation and segmentation for SAP landscape

Manage access and authentication on Azure

 custom domains

 Azure AD Identity Protection

 Azure AD join

 enterprise state roaming

 conditional access policies

 Role-based access control (RBAC)

 service principal

 Just in time access

Implement and manage identities

 Azure AD Connect

 AD Federation and single sign-on

 LDAP/Kerberos/SSH

 Linux VMs Active Directory domain membership mechanism

Monitor SAP workloads on Azure

 Azure Enhanced Monitoring Extension for SAP workloads

 Azure Monitors

 workspaces & metrics

Build & Deploy HA/DR infrastructure for SAP products

 ASCS/SCS deployments on Linux & Windows using either of the 4 supported

methodologies (SOFS with S2D- NetApp- Azure Files Premium- 3rd Party products that present a device as iSCS to OS)

 HA/DR scenarios for SAP HANA

 HA/DR scenarios for other RDBMS platforms

 HA for non-NetWeaver Products like IdM- SBOP BI/DS

 Where to use load balances & troubleshooting connectivity

Validate Azure Infrastructure for SAP Workloads (10-15%)

Perform infrastructure validation check

 JMeter- Avalanche for Mobility Services- Load Runner

 test implementation for SAP workloads

 verify network performance and throughput

 verify storage

 HWCCT (HANA)

 FIO and/or DD (AnyDB)

Perform operational readiness check

 backup and restore

 High Availability checks

 failover test

 DR test

 print test

Operationalize Azure SAP Architecture (10-15%)

Optimize performance

 SAP workloads on Azure using ABAPmeter

 storage structure

 SAP workloads on Azure support pre-requisites

 scheduled maintenance for planned outages

 recovery plan for unplanned outages

 SAP application and infrastructure housekeeping (i.e. snapshots on OS volumes)

 bandwidth adjustment for ExpressRoute

 IPtables and GlobalReach for HANA Large Instances (HLI)

Migrate SAP workloads to Azure

 migration strategy

 Azure Site Recovery (ASR)

 private and public IP addresses- network routes- network interface- subnets- and virtual network

 storage configuration

 source and target environments preparation

 backup and restore of data

Migrate SAP Workloads to Azure (10-15%)

Create an inventory of existing SAP landscapes

 network inventory

 security inventory

 computing inventory

 operations system inventory

 resiliency and availability inventory

 SAP Database Inventory

 SAP Landscape architecture

 SAP workload performance SLA and metrics

 migration considerations

Design a migration strategy

 certified and support SAP Hana hardware directory

 design criteria for Tailored Datacenter Integration (TDI) v4 and v5 solutions

 databox with import and export

 HANA System Replication (HSR)

 ASR for SAP

 backup and restore methods and solutions

 infrastructure optimization for migration

Design an Azure Solution to Support SAP Workloads (20-25%)

Design a core infrastructure solution in Azure to support SAP workloads

 network topology requirements

 security requirements

 virtual or bare metal

 compute

 operating system requirements

 support SAP version

 storage requirements

 proximity placement group

 infrastructure requirements

Design Azure infrastructure services to support SAP workloads

 backup and restoration requirements

 SLA/High Availability

 data protection (EFS- LRS/GRS- Availability Zones)

 compliance

 monitoring

 licensing

 application interfaces

 dependencies

Design a resilient Azure solution to support SAP workloads

 HA models supported in HANA (N+N- N+0 and N+1)

 application servers

 SAP Central services

 availability sets

 availability zones

 Disaster Recovery (DR) with Hero Regions

 Database HA

Build and Deploy Azure for SAP Workloads (35-40%)

Automate deployment of Virtual Machines (VMs)

 Azure Resource Manager (ARM) template

 automated configuration of VM

 scripting with automation tools- including script development- script modification- and deployment dependencies

Implement and manage virtual networking

 IDS/IPS for Azure

 routing fundamentals

 subnetting strategy

 isolation and segmentation for SAP landscape

Manage access and authentication on Azure

 custom domains

 Azure AD Identity Protection

 Azure AD join

 enterprise state roaming

 conditional access policies

 Role-based access control (RBAC)

 service principal

 just in time access

Implement and manage identities

 Azure AD Connect

 AD Federation and single sign-on

 LDAP/Kerberos/SSH

 Linux VMs Active Directory domain membership mechanism

Monitor SAP workloads on Azure

 Azure Enhanced Monitoring Extension for SAP workloads

 Azure Monitors

 workspaces & metrics

Validate Azure Infrastructure for SAP Workloads (10-15%)

Perform infrastructure validation check

 JMeter- AvalanchAvalanche for Mobility Services- Load Runner

 test implementation for SAP workloads

 verify network performance and throughput

 verify storage

 HWCCT (HanaHANA)

 FIO and/or DD (AnyDB)

Perform operational readiness check

 backup and restore

 high availability checks

 failover test

 DR test

 print test

Operationalize Azure SAP Architecture (10-15%)

Optimize performance

 SAP workloads on Azure using ABAPmeter

 storage structure

 SAP workloads on Azure support pre-requisites

 scheduled maintenance for planned outages

 recovery plan for unplanned outages

 SAP application and infrastructure housekeeping (i.e. snapshots on OS volumes)

 bandwidth adjustment for ExpressRoute

 IPtables and GlobalReach for HANA Large Instances (HLI)

Migrate SAP workloads to Azure

 migration strategy

 Azure Site Recovery (ASR)

 private and public IP addresses- network routes- network interface- subnets- and virtual

network

 storage configuration

 source and target environments preparation

 backup and restore of data



Killexams Review | Reputation | Testimonials | Feedback


These latest AZ-120 practice questions work great in the real exam.
I want to extend a heartfelt thanks to the Killexams.com team for their Q&A related to the AZ-120 exam. They provided excellent solutions to my queries, and I felt confident facing the test. Many of the questions in the exam were similar to those in the guide, so I believe it is still valid. I appreciate the effort put in by the team members, and I hope they create more such study guides in the future.


It is the right place to find AZ-120 genuine test question papers.
For years, I have trusted killexams.com reliable exam questions materials, and the Planning and Administering Microsoft Azure for SAP Workloads exam was no exception. Their valid questions, accurate exam simulator, and excellent customer service ensured a seamless pass. I am impressed by their fantastic platform and recommend it to others.


AZ-120 Q&A are highly needed to pass the exam on the first attempt.
I am very glad that I passed the AZ-120 exam with a top score, and I owe it all to killexams.com. I used their exam simulator as my primary source of preparation, and I consistently received a passing score. The content is very reliable, and I am truly happy that I trusted killexams.com. Everything was expertly crafted and dependable. Thumbs up from me!


Try out these real, tested, and updated AZ-120 practice tests.
If you want to change your destiny and ensure that happiness is part of your future, you must work hard. It was my destiny to find Killexams during my exams because it truly led me towards my destiny. My fate was to achieve accurate grades, and Killexams and its teachers made it possible through their exceptional coaching. Thanks to their material, I could not possibly fail the AZ-120 exam.


Having difficulty passing the AZ-120 exam? You must be kidding!
I am pleased to inform you that I have passed my AZ-120 exam, thanks to killexams.com. All the questions on the genuine exam were from this platform. It was an excellent resource for me, and I credit my accomplishment to it. The study material guided me precisely in attempting the questions, allowing me to answer all of them with ease. I genuinely believe it guarantees 100% success in the exam.


Microsoft Workloads Latest Questions

Microsoft+Workloads+Latest+Questions
https://www.pass4surez.com/art/read.php?keyword=Microsoft+Workloads+Latest+Questions&lang=us&links=remove

Choosing the right certification practice test and exam dumps provider can be challenging due to validity and timely update, as candidates often encounter unreliable and outdated services that compromise their preparation. At Killexams.com, they are committed to delivering top-quality practice questions with genuine questions, ensuring their materials are regularly updated and rigorously validated for accuracy. Their customers’ success is a testament to their dedication, with countless candidates passing their certification exams confidently and efficiently thanks to their resources. They take pride in maintaining an impeccable reputation, built on trust, quality, and customer satisfaction. Unlike some providers, they never compromise on the integrity of their review process or the reliability of their practice tests. Be cautious of misleading reports or scam allegations from competitors, which are often designed to undermine trusted services like ours. At Killexams.com, they back their offerings with authentic customer reviews and proven results. Explore their sample practice questions, PDF resources, and advanced VCE exam simulator to experience why Killexams.com is the preferred choice for certification preparation. Your success is their priority, and we’re here to help you achieve it with confidence.

Which is the best practice questions website?
Certainly, Killexams is totally legit in addition to fully trusted. There are several options that makes killexams.com genuine and reliable. It provides up to date and totally valid exam questions comprising real exams questions and answers. Price is really low as compared to the majority of the services on internet. The Q&A are up graded on usual basis by using most recent questions. Killexams account setup and solution delivery is rather fast. Record downloading will be unlimited and intensely fast. Assist is avaiable via Livechat and Email. These are the characteristics that makes killexams.com a sturdy website offering exam prep with real exams questions.



Is killexams.com test material dependable?
Many websites claim to provide genuine exam Questions, Braindumps, Practice Test, Study Guides, and cheat sheets, but most of them are simple re-sellers offering outdated content. Killexams.com stands out in 2026 as the leading platform that truly understands the challenges candidates face when wasting time on obsolete materials from free PDF sites or reseller sources. That is why Killexams.com regularly updates its MCQs to match the latest Real exam Questions. Every question in the Killexams.com MCQs is reliable, verified, and kept up-to-date by certified professionals who monitor daily exam updates.

If you want to pass your exam quickly while also improving your knowledge of the latest syllabus topics, they strongly recommend downloading the PDF MCQs, exam Questions and practice test from Killexams.com. Preparing with these resources ensures that you are ready for the genuine exam. When you upgrade to the Premium Version, simply register at Killexams.com — you will receive your Username and Password within 5 to 10 minutes by email. All future updates to MCQs are automatically included in your account, and you can obtain the updated files as many times as needed without restrictions.

To make your preparation even more effective, Killexams.com provides Test Engine Software. This tool allows you to practice with Real exam Questions, track your progress, and take unlimited practice tests. The more you practice, the faster and more confident you become. Once you consistently achieve 100% marks with the complete pool of updated questions, you will be fully prepared to take the genuine exam at the Exam Center and achieve success.




ASVAB free pdf | C1000-122 pass certain | 101-500 mock exam | CBIC-CIC examcollection | Platform-App-Builder previous questions | ACLS exam answers | CGFNS practice exam | ACP-120 online exam | CHPN mock test | GAFM-AIM computer adaptive test | 71801X practice questions | 2V0-21.23 free questions | Cloud-AI-Pro Latest Questions | ECDL-ADVANCED mcqs | HPE0-S59 mock exam | 4A0-113 mcqs | HCL-UNC-IAD-121 Q&A | ASPEX-PM assessment test | PEGAPCBA87V1 practice test | H12-261 free pdf |


AZ-120 - Planning and Administering Microsoft Azure for SAP Workloads test questions
AZ-120 - Planning and Administering Microsoft Azure for SAP Workloads Real exam Questions
AZ-120 - Planning and Administering Microsoft Azure for SAP Workloads exam Questions
AZ-120 - Planning and Administering Microsoft Azure for SAP Workloads study tips
AZ-120 - Planning and Administering Microsoft Azure for SAP Workloads tricks
AZ-120 - Planning and Administering Microsoft Azure for SAP Workloads Free PDF
AZ-120 - Planning and Administering Microsoft Azure for SAP Workloads study help
AZ-120 - Planning and Administering Microsoft Azure for SAP Workloads learning
AZ-120 - Planning and Administering Microsoft Azure for SAP Workloads exam cram
AZ-120 - Planning and Administering Microsoft Azure for SAP Workloads PDF download
AZ-120 - Planning and Administering Microsoft Azure for SAP Workloads tricks
AZ-120 - Planning and Administering Microsoft Azure for SAP Workloads PDF Questions
AZ-120 - Planning and Administering Microsoft Azure for SAP Workloads exam Cram
AZ-120 - Planning and Administering Microsoft Azure for SAP Workloads real questions
AZ-120 - Planning and Administering Microsoft Azure for SAP Workloads genuine Questions
AZ-120 - Planning and Administering Microsoft Azure for SAP Workloads Study Guide
AZ-120 - Planning and Administering Microsoft Azure for SAP Workloads exam format
AZ-120 - Planning and Administering Microsoft Azure for SAP Workloads exam success
AZ-120 - Planning and Administering Microsoft Azure for SAP Workloads Premium PDF
AZ-120 - Planning and Administering Microsoft Azure for SAP Workloads information search
AZ-120 - Planning and Administering Microsoft Azure for SAP Workloads answers
AZ-120 - Planning and Administering Microsoft Azure for SAP Workloads exam Cram
AZ-120 - Planning and Administering Microsoft Azure for SAP Workloads book
AZ-120 - Planning and Administering Microsoft Azure for SAP Workloads exam syllabus
AZ-120 - Planning and Administering Microsoft Azure for SAP Workloads exam success
AZ-120 - Planning and Administering Microsoft Azure for SAP Workloads Study Guide
AZ-120 - Planning and Administering Microsoft Azure for SAP Workloads teaching
AZ-120 - Planning and Administering Microsoft Azure for SAP Workloads exam Cram
AZ-120 - Planning and Administering Microsoft Azure for SAP Workloads questions
AZ-120 - Planning and Administering Microsoft Azure for SAP Workloads book
AZ-120 - Planning and Administering Microsoft Azure for SAP Workloads study help
AZ-120 - Planning and Administering Microsoft Azure for SAP Workloads study help
AZ-120 - Planning and Administering Microsoft Azure for SAP Workloads test
AZ-120 - Planning and Administering Microsoft Azure for SAP Workloads learn
AZ-120 - Planning and Administering Microsoft Azure for SAP Workloads Practice Questions
AZ-120 - Planning and Administering Microsoft Azure for SAP Workloads teaching
AZ-120 - Planning and Administering Microsoft Azure for SAP Workloads boot camp
AZ-120 - Planning and Administering Microsoft Azure for SAP Workloads Free exam PDF
AZ-120 - Planning and Administering Microsoft Azure for SAP Workloads exam Questions
AZ-120 - Planning and Administering Microsoft Azure for SAP Workloads exam cram
AZ-120 - Planning and Administering Microsoft Azure for SAP Workloads Question Bank
AZ-120 - Planning and Administering Microsoft Azure for SAP Workloads PDF Questions
AZ-120 - Planning and Administering Microsoft Azure for SAP Workloads exam cram
AZ-120 - Planning and Administering Microsoft Azure for SAP Workloads information source

Other Microsoft MCQs and Practice Test


SC-100 practice questions | AZ-801 Practice Test | AZ-500 free questions | PL-900 latest pdf | SC-300 practice test | MD-102 study guide | SC-400 practice exam | AZ-305 free pdf | MS-900 Latest Topics | MO-100 pdf download | PL-300 pass exam | MB-800 latest questions | MB-700 exam questions | AI-102 cbt | AZ-900 Free PDF | AZ-140 practice questions | DP-100 test example | MB-310 VCE | PL-200 test prep | AZ-700 practice questions |


Best MCQs and practice test You Ever Experienced


GAFM-CIBOD free pdf | ECS001 study guide | BPI-CL practice questions | COH-285 Latest Questions | CCSA mock exam | BPM-001 pdf exam | AI-Consultant free mcqs | ANCC-MSN exam preparation | PEGAPCLSA86V2 past exams | GAFM-CEL practice questions | PET pass marks | APRP prep questions | IIBA-AAC practice questions | TEAS-V7 free online test | GLO_AFA_LVL_1 test prep | PCNSE mock questions | GAFM-ChL sample questions | CCI-CSSM pdf download | 1D0-621 exam Cram | Tableau-Desktop-Foundations test prep questions |





References :


https://arfansaleemfan.blogspot.com/2020/09/az-120-planning-and-administering.html
http://feeds.feedburner.com/LookAtTheseAz-120RealQuestionAndAnswers
https://drp.mk/i/ysnfLZqRG3
https://www.coursehero.com/file/79256651/Planning-and-Administering-Microsoft-Azure-for-SAP-Workloads-AZ-120pdf/
https://sites.google.com/view/killexams-az-120-cheat-sheet
https://www.instapaper.com/read/1397647641
https://files.fm/f/mnj9ktvev



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






Direct Download

AZ-120 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.

AZ-120 Reviews

100% Valid and Up to Date AZ-120 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