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-700?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der AZ-700: Designing and Implementing Microsoft Azure Networking Solutions Prüfung.

2023 Updated Actual AZ-700 questions as experienced in Test Center

Aktuelle AZ-700 Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz

AZ-700 Free PDF - Designing and Implementing Microsoft Azure Networking Solutions | https://www.easyfinanz.cc/

Microsoft AZ-700 : Designing and Implementing Microsoft Azure Networking Solutions ACTUAL EXAM QUESTIONS

Exam Dumps Organized by Martha nods



Latest 2023 Updated Microsoft Designing and Implementing Microsoft Azure Networking Solutions Syllabus
AZ-700 ACTUAL EXAM QUESTIONS / Braindumps contains genuine test Questions

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




AZ-700 Test Center Questions : Download 100% Free AZ-700 ACTUAL EXAM QUESTIONS (PDF and VCE)

Exam Number : AZ-700
Exam Name : Designing and Implementing Microsoft Azure Networking Solutions
Vendor Name : Microsoft
Update : Click Here to Check Latest Update
Question Bank : Check Questions

Finalize your AZ-700 Free PDF with these AZ-700 Practice Questions and Practice Test
At killexams.com, they provide valid and up-to-date AZ-700 Exam Braindumps with a 100% pass guarantee. You need to practice questions for at least 24 hours to score high on the exam. Your genuine task to pass the AZ-700 test begins with killexams.com's test exercise questions.

Our PDF dumps have helped many competitors breeze through the AZ-700 test with ease. It is extremely rare for their users to study their AZ-700 materials and receive poor scores or fail the genuine test. In fact, most competitors report a significant improvement in their knowledge and pass the AZ-700 test on their first attempt. Their AZ-700 materials not only help you pass the test but also Improve your understanding of the test objectives and topics, allowing you to excel in your role as an expert in your field. This is why their clients trust us and recommend their AZ-700 materials to others.

To successfully pass the Microsoft AZ-700 test, you need to have a clear understanding of the course outline, test syllabus, and objectives. Simply reading the AZ-700 coursebook is not enough. You need to familiarize yourself with the unique questions asked in the genuine AZ-700 tests. For this, you should visit killexams.com and obtain their Free AZ-700 sample test questions. Once you are confident in your ability to recall these AZ-700 questions, you can enroll to obtain the complete Exam dumps of AZ-700 Actual Questions. This will be your first major step towards success. After downloading and installing the VCE test simulator on your computer, study and memorize their AZ-700 Actual Questions and take regular practice exams with the VCE test simulator. When you feel that you are ready for the genuine AZ-700 test, visit the testing center and register for the real exam.







AZ-700 test Format | AZ-700 Course Contents | AZ-700 Course Outline | AZ-700 test Syllabus | AZ-700 test Objectives


Title: Microsoft AZ-700 Designing and Implementing Microsoft Azure Networking Solutions

Test Detail:
The Microsoft AZ-700 test is designed to validate the knowledge and skills required to design and implement networking solutions in Microsoft Azure. This certification is intended for IT professionals who work with Azure networking technologies and are responsible for designing and implementing Azure networking solutions.

Course Outline:
The Microsoft AZ-700 course provides participants with a comprehensive understanding of designing and implementing networking solutions in Microsoft Azure. The following is a general outline of the key areas covered in the certification program:

1. Designing Azure Virtual Networks:
- Designing virtual network topologies and subnets
- Implementing IP addressing and routing in Azure
- Configuring Azure Virtual Network Peering and Gateway Transit

2. Implementing Azure Virtual Network Connectivity:
- Implementing site-to-site VPN connections
- Configuring Azure ExpressRoute for private network connectivity
- Implementing Azure Virtual WAN for global network connectivity

3. Implementing Azure Load Balancer and Traffic Manager:
- Configuring Azure Load Balancer for high availability and load distribution
- Implementing Azure Traffic Manager for global traffic routing
- Configuring health probes and load balancing rules

4. Implementing Azure Network Security:
- Configuring network security groups (NSGs) for inbound and outbound traffic control
- Implementing Azure Firewall for network security and protection
- Configuring Azure DDoS Protection for safeguarding against DDoS attacks

5. Monitoring and Troubleshooting Azure Networking:
- Implementing Azure Network Watcher for network monitoring and diagnostics
- Using Azure Network Insights for troubleshooting and performance optimization
- Analyzing network traffic with Azure Network Analyzer

Exam Objectives:
The Microsoft AZ-700 test assesses candidates' knowledge and skills in designing and implementing networking solutions in Microsoft Azure. The test objectives include, but are not limited to:

1. Designing Azure Virtual Networks and subnets.
2. Implementing Azure Virtual Network connectivity using VPN and ExpressRoute.
3. Configuring Azure Load Balancer and Traffic Manager for load distribution and traffic routing.
4. Implementing network security measures using NSGs, Azure Firewall, and DDoS Protection.
5. Monitoring and troubleshooting Azure networking using Network Watcher and Network Insights.

Syllabus:
The Microsoft AZ-700 certification program typically includes comprehensive training provided by Microsoft or authorized training partners. The syllabus provides a breakdown of the syllabus covered throughout the course, including specific learning objectives and milestones. The syllabus may include the following components:

- Introduction to the Microsoft AZ-700 test overview and certification process
- Designing Azure Virtual Networks and Subnets
- Implementing Azure Virtual Network Connectivity
- Implementing Azure Load Balancer and Traffic Manager
- Implementing Azure Network Security
- Monitoring and Troubleshooting Azure Networking
- test Preparation and Practice Tests
- Final Microsoft AZ-700 Certification Exam



Killexams Review | Reputation | Testimonials | Feedback


Do you need updated dumps for AZ-700 exam? Here it is.
killexams.com's material covers all aspects of the AZ-700 exam, making it a must-have for anyone new to this field. This material proved particularly helpful in increasing my expertise in AZ-700, and I have been recommending it to my friends and co-workers.


Try out these real AZ-700 genuine test questions.
Without killexams.com, I am confident that I would not have been able to pass the AZ-700 exam. Their Questions and Answers material was simply astonishing, and it gave me the required functionality to ace the exam. I am elated to have scored 92%, a personal best for me. The material is well thought out, effective, and dependable, making it the perfect tool for success.


AZ-700 test prep were given to be this easy.
The preparation package I purchased has been extremely helpful in my test training, resulting in a 100% passing score. Being a bad test taker in the past, I did not want to fail again, especially during a timed test like AZ-700. This package had everything I needed to know, and with countless hours of studying, cramming, and note-taking, I had no issues passing the test with the highest marks possible.


Just attempt these laACTUAL EXAM QUESTIONS and success is yours.
Thanks to the friendly instructors and the AZ-700 test material and simulator at killexams.com, I no longer feel alone during exams. Their guidance was available day or night, and I am grateful to them for assisting me in passing my difficult exam.


Try out these real AZ-700 LaACTUAL EXAM QUESTIONS.
I decided to purchase the AZ-700 braindump from killexams.com after hearing about their frequent updates. I was not disappointed as the website covered all new areas, and the test appeared clean. Their turnaround time and guide are also terrific.


Microsoft and test

 

Microsoft Has Leaked an Internal Tool It Uses to Test 'Experiments'

No result found, try new keyword!Microsoft included the software in a accurate bug hunt it sponsored in China. It's called StagingTool.exe, and the company advised the hunt participants to use the tool to unlock a passwordless sign-in ...

Microsoft Excel to let you run Python scripts as formulas

Python and Excel

Microsoft is adding the Python programming language to Microsoft Excel, allowing users to create powerful functions for analyzing and manipulating data.

The public preview of the feature is now available to Microsoft 365 Insiders in the Beta channel, with the goal to ultimately roll out the feature to Excel for Windows in 16.0.16818.2000.

However, even if you join the Microsoft 365 Insiders Beta channel to test the new feature, there is no ensure that Python in Excel will be available, as Microsoft is rolling it out slowly to test the feature.

The new Python in Excel feature brings a new 'PY' function that allows users to embed Python code directly in a cell to be executed like any macro or regular Excel function.

However, instead of running the Python scripts locally, Excel will execute the code in the cloud using a hypervisor-isolated container on Azure Container Instances. Microsoft says this container environment will include Python and a curated set of Anaconda libraries to prevent security issues.

These libraries include the data visualization and analysis tool 'pandas' and the visualization tool 'Matplotlib.'

As the Python scripts will run in an isolated container, they will not have access to any local resources, including the local network, computer, files, and a Microsoft 365 authentication token.

To embed a Python script in Excel, users will use the =PY() function to open a text area where they can enter the Python code they wish to execute.

The code is then executed in the cloud container, and the results are sent back and displayed in the worksheet. Microsoft says this is all done anonymously so that your Python code is not linked back to a particular user.

"Python in Excel makes it possible to natively combine Python and Excel analytics within the same workbook - with no setup required," Microsoft explains in an announcement.

"With Python in Excel, you can type Python directly into a cell, the Python calculations run in the Microsoft Cloud, and your results are returned to the worksheet, including plots and visualizations."

Microsoft treats Python in Excel like other embedded scripting languages, automatically blocking them if a document contains a Mark of The Web (MoTW).

Windows automatically adds MoTW flags to all documents and executables downloaded from untrusted sources, such as the internet, using a special 'Zone. Id' alternate data stream.

These MotW labels tell Windows, Microsoft Office, web browsers, and other apps that the file should be treated with suspicion and will cause the document to be opened in Protected View, preventing the execution of macros and embedded Python scripts.

"If you open a workbook that contains Python code from the internet, Excel Protected View won't run Python formulas in the workbook. If a workbook is opened with Microsoft Defender Application Guard, Python formulas don't run by default," explains Microsoft.

To test Python in Excel, join the Microsoft 365 Insider Program and enroll in the Beta channel. However, as previously said, this feature may take some time to roll out to everyone


Microsoft tests free GPT-4 toggle in Bing Chat AI on Android and iOS

Microsoft has rolled out a new server-side update for Bing Chat app on Android and iOS with a new toggle called “GPT-4”. This new feature allows you to unlock the full potential of ChatGPT GPT-4, in addition to the existing “tones” feature.

As you probably know, Bing Chat allows you to choose the style in which Bing responds, such as “Creative”, “Balance”, or “More Precise”. With the new GPT-4 addition, the chat experience is set to be even better. This appears to be part of the tech giant’s plan to make chatting feel much more like talking to a chatbot than an assistant for Bing.com

Microsoft is rolling out the new GPT-4 toggle for Android and iOS users via Bing app. So what’s the new feature all about? Microsoft support staff told us the new GPT-4 toggle is a feature that allows you to chat with GPT-4, a multimodal large language model created by OpenAl.

Bing Chat GPT 4 toggle

Bing Chat GPT 4 toggle

Image Courtesy: WindowsLatest.com

It appears the GPT-4 toggle lets you chat with Bing’s GPT-4 model without extra customization applied by Microsoft. If you click the three dots menu, you can return to the existing tones feature, which lets you use Microsoft’s customization.

“Please note that GPT-4 is not perfect and may make mistakes or produce inappropriate responses. If you encounter any issues or have any feedback, please let us know by using the feedback button on the chat interface,” a Microsoft staff told us.

Microsoft is internally exploring a no search or offline mode for Bing Chat.

Here’s a bit about how Bing usually works: When you ask a question, it often searches the internet for the answer, similar to how they might use a search engine like Google. But sometimes, for simple questions, this can seem slow or unnecessary.

Some users have mentioned that they don’t always want Bing to search the web, especially when using a feature on Windows 11 called Copilot. They prefer if Bing just gave quick answers without always going online.

Our sources at Microsoft have given some hints about what’s coming next. The company is thinking about a new approach for Bing AI Chat.

In this approach, Bing might not always look up answers on the internet. Instead, it could answer from what it already knows, making the chat faster and smoother.

For instance, if someone often asks Bing for help with a program like Microsoft Word, Bing currently searches online each time, even for common questions. Imagine asking Bing, “How do I bold text in Word?” Currently, Bing might search online to provide an answer. But with the planned changes, Bing could quickly tell users the steps without the need to search.

In conclusion, Microsoft’s updates to Bing Chat AI, especially with the addition of GPT-4, show a strong move towards making the tool more user-friendly. With these changes, Bing could become a preferred choice for many looking for a smooth and efficient chatbot experience.


 


Unquestionably it is hard assignment to pick dependable certification questions/answers assets regarding review, reputation and validity since individuals get sham because of picking incorrectly benefit. Killexams.com ensure to serve its customers best to its assets concerning ACTUAL EXAM QUESTIONS update and validity. The vast majority of other's sham report dissension customers come to us for the brain dumps and pass their exams joyfully and effortlessly. They never trade off on their review, reputation and quality on the grounds that killexams review, killexams reputation and killexams customer certainty is imperative to us. Uniquely they deal with killexams.com review, killexams.com reputation, killexams.com sham report objection, killexams.com trust, killexams.com validity, killexams.com report and killexams.com scam. On the off chance that you see any false report posted by their rivals with the name killexams sham report grievance web, killexams.com sham report, killexams.com scam, killexams.com protest or something like this, simply remember there are constantly awful individuals harming reputation of good administrations because of their advantages. There are a huge number of fulfilled clients that pass their exams utilizing killexams.com brain dumps, killexams PDF questions, killexams hone questions, killexams test simulator. Visit Killexams.com, their specimen questions and test brain dumps, their test simulator and you will realize that killexams.com is the best brain dumps site.

Which is the best dumps website?
Yes, Killexams is 100% legit and also fully dependable. There are several capabilities that makes killexams.com real and reliable. It provides accurate and 100% valid ACTUAL EXAM QUESTIONS that contains real exams questions and answers. Price is very low as compared to almost all services online. The Questions and Answers are current on ordinary basis using most accurate brain dumps. Killexams account arrangement and solution delivery is amazingly fast. Report downloading is certainly unlimited and fast. Aid is avaiable via Livechat and Electronic mail. These are the features that makes killexams.com a strong website that include ACTUAL EXAM QUESTIONS with real exams questions.



Is killexams.com test material dependable?
There are several Questions and Answers provider in the market claiming that they provide genuine 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 2023 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 and Answers with the same frequency as they are updated in Real Test. ACTUAL 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 test Fast with improvement in your knowledge about latest course contents and syllabus of new syllabus, They recommend to obtain PDF test 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 Questions and Answers will be provided in your obtain Account. You can obtain Premium ACTUAL EXAM QUESTIONS 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 genuine Test. Go register for Test in Test Center and Enjoy your Success.




SCNS-EN PDF obtain | 300-435 pdf obtain | SCA-C01 mock test | CLTD practice test | CPIM-BSP english test questions | ACE dumps | PARCC test questions | FML-5.3.8 braindumps | 050-v71-CASECURID02 study guide | CGAP ACTUAL EXAM QUESTIONS | SC-900 test questions | QAWI201V3-0 Questions and Answers | Salesforce-Certified-Identity-and-Access-Management-Designer past exams | SOA-C02 practice test | H12-311 test preparation | SPLK-1003 study questions | QlikView-Business-Analyst-Certification model question | PDDM dump questions | PDX-101 pass test | VCS-413 examcollection |


AZ-700 - Designing and Implementing Microsoft Azure Networking Solutions study tips
AZ-700 - Designing and Implementing Microsoft Azure Networking Solutions test Questions
AZ-700 - Designing and Implementing Microsoft Azure Networking Solutions test Cram
AZ-700 - Designing and Implementing Microsoft Azure Networking Solutions test prep
AZ-700 - Designing and Implementing Microsoft Azure Networking Solutions answers
AZ-700 - Designing and Implementing Microsoft Azure Networking Solutions Practice Questions
AZ-700 - Designing and Implementing Microsoft Azure Networking Solutions teaching
AZ-700 - Designing and Implementing Microsoft Azure Networking Solutions test Questions
AZ-700 - Designing and Implementing Microsoft Azure Networking Solutions braindumps
AZ-700 - Designing and Implementing Microsoft Azure Networking Solutions Latest Questions
AZ-700 - Designing and Implementing Microsoft Azure Networking Solutions Question Bank
AZ-700 - Designing and Implementing Microsoft Azure Networking Solutions exam
AZ-700 - Designing and Implementing Microsoft Azure Networking Solutions Question Bank
AZ-700 - Designing and Implementing Microsoft Azure Networking Solutions techniques
AZ-700 - Designing and Implementing Microsoft Azure Networking Solutions Free test PDF
AZ-700 - Designing and Implementing Microsoft Azure Networking Solutions Free PDF
AZ-700 - Designing and Implementing Microsoft Azure Networking Solutions techniques
AZ-700 - Designing and Implementing Microsoft Azure Networking Solutions Free PDF
AZ-700 - Designing and Implementing Microsoft Azure Networking Solutions braindumps
AZ-700 - Designing and Implementing Microsoft Azure Networking Solutions ACTUAL EXAM QUESTIONS
AZ-700 - Designing and Implementing Microsoft Azure Networking Solutions PDF Download
AZ-700 - Designing and Implementing Microsoft Azure Networking Solutions information source
AZ-700 - Designing and Implementing Microsoft Azure Networking Solutions test Cram
AZ-700 - Designing and Implementing Microsoft Azure Networking Solutions Test Prep
AZ-700 - Designing and Implementing Microsoft Azure Networking Solutions dumps
AZ-700 - Designing and Implementing Microsoft Azure Networking Solutions test Questions
AZ-700 - Designing and Implementing Microsoft Azure Networking Solutions certification
AZ-700 - Designing and Implementing Microsoft Azure Networking Solutions questions
AZ-700 - Designing and Implementing Microsoft Azure Networking Solutions PDF Download
AZ-700 - Designing and Implementing Microsoft Azure Networking Solutions teaching
AZ-700 - Designing and Implementing Microsoft Azure Networking Solutions PDF Download
AZ-700 - Designing and Implementing Microsoft Azure Networking Solutions tricks
AZ-700 - Designing and Implementing Microsoft Azure Networking Solutions testing
AZ-700 - Designing and Implementing Microsoft Azure Networking Solutions book
AZ-700 - Designing and Implementing Microsoft Azure Networking Solutions course outline
AZ-700 - Designing and Implementing Microsoft Azure Networking Solutions course outline
AZ-700 - Designing and Implementing Microsoft Azure Networking Solutions ACTUAL EXAM QUESTIONS
AZ-700 - Designing and Implementing Microsoft Azure Networking Solutions testing
AZ-700 - Designing and Implementing Microsoft Azure Networking Solutions cheat sheet
AZ-700 - Designing and Implementing Microsoft Azure Networking Solutions dumps
AZ-700 - Designing and Implementing Microsoft Azure Networking Solutions test Questions
AZ-700 - Designing and Implementing Microsoft Azure Networking Solutions test Braindumps
AZ-700 - Designing and Implementing Microsoft Azure Networking Solutions certification
AZ-700 - Designing and Implementing Microsoft Azure Networking Solutions Test Prep

Other Microsoft ACTUAL EXAM QUESTIONS


MS-101 practice exam | MB-210 study guide | AZ-140 Dumps | PL-300 real questions | MB-310 braindumps | MS-600 braindumps | AZ-801 practical test | MD-100 ACTUAL EXAM QUESTIONS | MB-230 test results | DP-300 examcollection | SC-100 questions and answers | MB-320 brain dumps | DP-900 assessment test sample | AZ-204 Free PDF | MB-340 Cheatsheet | DP-203 pass marks | AI-102 cheat sheet | MS-740 practice questions | MS-720 past exams | MS-700 test example |


Best ACTUAL EXAM QUESTIONS You Ever Experienced


QlikView-System-Administrator-Certification sample test | CCBA practice test | 922-080 certification sample | DMDI301 VCE | 1T6-511 braindumps | PAL-EBM practice questions | AEMT test Cram | SAFe-RTE Question Bank | ICYB test papers | 150-130 Practice test | ABFM free pdf download | ASVAB practice exam | NailTech PDF Download | 850-001 brain dumps | WHNP questions download | CIMAPRA19-F01-1-ENG questions and answers | NS0-162 past exams | DES-1B21 practice exam | MISCPRODUCT mock questions | 500-440 test questions |





References :





Similar Websites :
Pass4sure Certification ACTUAL EXAM QUESTIONS
Pass4Sure test Questions and Dumps






Direct Download

AZ-700 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-700 Reviews

100% Valid and Up to Date AZ-700 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