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 CHAD?
Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der CHAD: Certified Heroku Architecture Designer Prüfung.
2025 Updated Actual CHAD questions as experienced in Test Center
Aktuelle CHAD Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz
![]() Salesforce CHAD : Certified Heroku Architecture Designer Practice TestsPractice Tests Organized by Shahid nazir |
Latest 2025 Updated Salesforce Certified Heroku Architecture Designer Syllabus
CHAD examcollection with Premium PDF and Test Engine
Practice Tests and Free VCE Software - Questions Updated on Daily Basis
Big Discount / Cheapest price & 100% Pass Guarantee
CHAD examcollection : Download 100% Free CHAD practice exams (PDF and VCE)
Exam Number : CHAD
Exam Name : Certified Heroku Architecture Designer
Vendor Name : Salesforce
Update : Click Here to Check Latest Update
Question Bank : Check Questions
Forget Failing CHAD test with these certification practice ex and Exam Questions
At killexams.com, they offer the latest and most comprehensive CHAD Practice Test featuring Dumps on the newest topics. Engage with their CHAD Exam Questions Questions and Mock Questions to elevate your knowledge and achieve outstanding results on the CHAD test. They are committed to your success in the test center, thoroughly addressing every component of the test while enhancing your understanding of the CHAD test. Pass with confidence using their authentic test questions. Visit us at [insert URL] for more info
At killexams.com, they are dedicated to empowering their clients with a comprehensive understanding of the CHAD course structure, syllabus, and objectives to excel in the Salesforce CHAD exam. Relying solely on the CHAD coursebook is insufficient for success. Mastering complex scenarios and challenging questions encountered in the real CHAD test is critical. They invite you to visit killexams.com and obtain free CHAD PDF sample questions to explore. They are confident that after reviewing their premium Certified Heroku Architecture Designer questions, you will be eager to register for the full version CHAD Pass Guides at an exceptionally competitive price. This is your first step toward achieving excellence in the Certified Heroku Architecture Designer exam. Additionally, they recommend downloading and installing the CHAD VCE test simulator on your computer. Commit CHAD Practice Questions to memory and take frequent practice exams using the VCE test simulator. When you feel fully prepared for the real CHAD exam, visit an authorized Exam Center and register for the real test with confidence.
Conquering the Salesforce CHAD test is a formidable challenge that cannot be met by relying only on the CHAD coursebook or free Real test Questions available online. The test often includes intricate scenarios and nuanced questions that can perplex even the most diligent candidates. Killexams.com plays a pivotal role by providing authentic CHAD exam practice tests information and an advanced VCE test simulator. Begin your journey by downloading their 100% free CHAD Real test Questions to evaluate the quality before investing in the complete version of CHAD Free test PDF. After experiencing the excellence of their Real test Questions, take advantage of their exclusive discount coupons to access premium resources. With killexams.com’s top-tier TestPrep Practice Tests, cutting-edge online test engine, and robust desktop test engine, you will be thoroughly equipped to ace the CHAD test with outstanding results.

CHAD test Format | CHAD Course Contents | CHAD Course Outline | CHAD test Syllabus | CHAD test Objectives
Salesforce Heroku Architecture Designer exam.
Exam Questions : 60 multiple-choice/multiple-select questions
Exam Duration : 105 minutes
Passing score: 72%
Delivery options: Proctored test delivered onsite at a testing center or in an online proctored environment. Click here for information on scheduling an exam.
Prerequisite: None
About the Salesforce Heroku Architecture Designer Credential
The Salesforce Certified Heroku Architecture Designer credential is designed for individuals who have the knowledge, skills, and extensive experience with architecting scalable solutions, deploying and managing apps, and managing teams and build-workflows on Heroku—specifically, Heroku Enterprise. This credential is targeted for a Heroku Consultant or Partner, who has an awareness of app dev best practices and how they apply to Heroku, an understanding of how to build scalable apps on Heroku, and knowledge of Heroku use cases and how to apply Heroku best practices.
Audience Description: Salesforce Certified Heroku Architecture Designer
The Salesforce Certified Heroku Architecture Designer test is intended for an individual who has architectural knowledge of the Heroku platform and its capabilities, including:
Designing, building, deploying and scaling Heroku apps, managing and operating apps, teams, and build infrastructure
Knowing when to use Heroku Enterprise, and understanding the security and trust options available in Heroku and Heroku Enterprise Utilizing add-ons to extend applications, in particular Heroku Postgres and Apache Kafka on Heroku.
Integrating Heroku apps with Salesforce data via database, API and event systems, including Heroku Connect.
The Salesforce Certified Heroku Architecture Designer test is intended for an individual who has a minimum of two years of experience and skills across the Heroku domains, including:
- Building and deploying apps on the Heroku platform
- Architecting scalable solutions
- Using add-ons from the Elements Marketplace
- Architecting solutions using Heroku Postgres, Heroku Redis, Dataclips, and Heroku Connect
- Prescribing a third-party add-on and add-on sharing
- Using Heroku Private Space Peering and VPN Connections
- Understanding Private Space Runtime versus Common Runtime
- Understanding how Heroku Enterprise can Strengthen a system's architecture
- Architecting solutions using Heroku Shield, and the benefits of various certifications Heroku has
- Architecting solutions using Enterprise Teams
- Architecting an application using the Twelve-Factor methodology correctly
- Constructing solutions for building a microservices architecture
- Building architectures that use Apache Kafka on Heroku
- Integrating Heroku apps with the Salesforce Lightning Platform
- A candidate for this test is not expected to:
- Know how to architect Salesforce Lightning Platform solutions.
Exam Outline
The Salesforce Certified Heroku Architecture Designer test measures a candidates knowledge and skills related to the following objectives. A candidate should have hands-on experience with Heroku Architecture and have demonstrated the application of each of the features/functions below.
Heroku Platform: 10%
Demonstrate an understanding of the basics behind building and deploying apps on Heroku, including the role of buildpacks in slug creation.
Architect scalable solutions that are performant even during high traffic spikes.
Architect and deploy solutions using add-ons and other components from the Elements Marketplace, including various add-ons, buildpacks, and Heroku Buttons.
Data: 17%
Demonstrate knowledge of Heroku Postgres, including data handling, security, and common use cases for follower databases. Describe the use cases of Dataclips.
Architect solutions using Apache Kafka on Heroku to facilitate streaming communication between applications, services and/or functions.
Architect solutions using Heroku Redis.
Demonstrate the ability to prescribe a third-party add-on and add-on sharing, when appropriate.
Security: 15%
Construct architectures which leverage Heroku to achieve different security certifications.
Recommend Heroku Private Space Peering or VPN Connections for appropriate use cases.
Recommend when an app should run in the Private Space Runtime versus the Common Runtime.
Heroku Enterprise: 28%
Demonstrate how features of Heroku Enterprise can Strengthen a system's architecture.
Recommend networking solutions that use Heroku Private Spaces or the Common Runtime, appropriately.
Describe the compliance features of Heroku Shield.
Describe the features of Enterprise Teams.
Architect Applications: 15%
Recommend architectures that use the twelve-factor app methodology correctly.
Construct solutions for creating an orchestration layer for building a microservices architecture using Apache Kafka on Heroku.
Integrations: 15%
Recommend architectures that use Heroku Connect appropriately, including the correct use of External IDs.
Recommend techniques to integrate Heroku apps with the Salesforce Lightning Platform, and understand when to apply particular techniques.
Killexams Review | Reputation | Testimonials | Feedback
It was clearly an incredible experience!
Failing the CHAD test shattered my confidence, but thanks to Killexams.com, I scored 87% and passed the exam. The subjects in CHAD were difficult for me, and I almost gave up on taking the test again. But my friend recommended Killexams.com questions and answers, and within four weeks, I was completely ready for the exam.
No hassle! Three days of training with CHAD real test questions is required.
I recently passed my CHAD exam, and one test in advance this month! As many others have pointed out, the practice exams provided by Killexams.com are an amazing way to study, whether it is for the test or to enhance your understanding of the subject matter. I was asked many questions during my exams, but thankfully, I knew all the answers thanks to Killexams.com!
Make a smart move; read these CHAD questions and answers.
Information-rich testprep materials were perfect for my Certified Heroku Architecture Designer test preparation. As a non-native English speaker, I completed the test in 95 minutes instead of 120, thanks to questions that closely matched the real exam. Their practice exams significantly boosted my confidence.
What are the requirements to pass the CHAD test with minimal effort?
I used killexams.com practice exams to study for my CHAD test and managed to pass it successfully. I am so grateful for your encouragement and support, and I will definitely be recommending your website to others who are studying for certification tests. Your Dumps and test Simulator were incredibly helpful and thorough.
An extraordinary source of great CHAD practice exams with correct answers.
Practice test papers made my CHAD test preparation organized and stress-free, resulting in an impressive 90% score. The detailed explanations accompanying each answer deepened my understanding of the material and provided practical insights. This approach not only helped me pass but also enhanced my confidence in the subject matter. Killexams.com is a must for structured and effective test preparation.
Salesforce Certified PDF questions
CHAD Exam
User: Bill*****![]() ![]() ![]() ![]() ![]() The test simulator from Killexams.com was a remarkable tool that helped me pass my CHAD exam. The well-crafted Dumps provided clear guidance, and I admire the team’s effort in creating such an effective preparation resource. |
User: Nettie*****![]() ![]() ![]() ![]() ![]() The chad practice test from killexams.com is terrific and certainly well worth the investment. The test is high-priced and traumatic, so I decided to get a practice test, which is why I purchased this package. The Dumps are valid and accurate, and I have double-checked them with friends who have also used them. I passed the test exactly as I hoped to, thanks to killexams.com, and I now recommend them to everyone. |
User: Ludis*****![]() ![]() ![]() ![]() ![]() Testprep question bank’s detailed explanations deepened my conceptual understanding, leading to a 90% score on the CHAD exam. Their effective resources made success straightforward, and I am thankful for their support. |
User: Mathew*****![]() ![]() ![]() ![]() ![]() I passed the chad test on my first attempt with a 79% score, thanks to Killexams.com’s excellent mock tests. Their team does outstanding work, and I urge them to keep updating their materials. |
User: Kliment*****![]() ![]() ![]() ![]() ![]() Despite my IT background, the CHAD test proved more challenging than expected, but killexams.com’s testprep Dumps guide saved me from failure. My struggles with a few questions stemmed from inadequate preparation, but their clear resources helped me pass with a solid score. I am thankful for their guidance, which prevented me from wasting time and money on an unsuccessful attempt. |
CHAD Exam
Question: Why some files in my account could not be downloaded? Answer: Sometimes, their system accumulates all the questions/answers in one file and still attains the blank file in your obtain section. If you can see all the questions in one file, it is normal that a blank file is not downloading. |
Question: Can I deposit money for a test that I will be needing later? Answer: Yes, you can contact sales and they will provide you a dummy invoice, that you will use to deposit the practice test fee. Their sale will supply you a ticket number that you will refer to and ask for the test of your choice to set up and activate in your account. It is pretty simple. |
Question: Should I try this great source of CHAD real questions? Answer: We encourage you to experience killexams test prep and study guides for your CHAD test because these CHAD practice test are specially collected to ease the CHAD test questions when asked in the real test. You will get good scores on the exam. |
Question: Did you attempt these updated dumps? Answer: Killexams provide up-to-date real CHAD test questions that are taken from the CHAD test prep. These questions' answers are Checked by experts before they are included in the CHAD question bank. |
Question: Where am I able to get CHAD real test questions? Answer: Killexams.com is the best place to get CHAD real test questions. These CHAD questions work in the real test. You will pass your test with these CHAD test prep. If you supply some time to study, you can prepare for an test with much boost in your knowledge. They recommend spending as much time as you can to study and practice CHAD practice test until you are sure that you can answer all the questions that will be asked in the real CHAD exam. For this, you should visit killexams.com and register to obtain the complete examcollection of CHAD test test prep. These CHAD test questions are taken from real test sources, that's why these CHAD test questions are sufficient to read and pass the exam. Although you can use other sources also for improvement of knowledge like textbooks and other aid material these CHAD questions are sufficient to pass the exam. |
https://www.pass4surez.com/art/read.php?keyword=Salesforce+Certified+PDF+questions&lang=us&links=remove
Selecting a reliable source for certification test preparation can be challenging, as candidates often face risks from untrustworthy providers. At Killexams, they prioritize delivering high-quality, up-to-date practice exams to ensure their clients are well-prepared for their exams. Their commitment to excellence has earned us the trust of countless candidates who have successfully passed their certifications with ease and confidence. They take pride in maintaining their stellar reputation, never compromising on the quality of their resources or the trust their clients place in us. While some competitors may attempt to discredit us with false claims or misleading reports, they encourage you to focus on the experiences of their satisfied customers. Thousands have achieved their certification goals using Killexams’ comprehensive practice tests, PDF question banks, and advanced test simulators. Visit their platform to explore their sample practice exams and experience their cutting-edge test simulator firsthand. You’ll see why Killexams is recognized as a leading, legitimate provider of certification preparation resources, dedicated to helping you succeed.
Which is the best practice exams website?
Without a doubt, Killexams is 100% legit and also fully well-performing. There are several benefits that makes killexams.com traditional and authentic. It provides knowledgeable and 100% valid test questions filled with real exams questions and answers. Price is extremely low as compared to almost all the services online. The Dumps are refreshed on regular basis through most latest questions. Killexams account structure and item delivery is amazingly fast. Record downloading is definitely unlimited and also fast. Help is avaiable via Livechat and Netmail. These are the features that makes killexams.com a sturdy website that supply test prep with real exams questions.
Is killexams.com test material dependable?
There are several Dumps provider in the market claiming that they provide real test Questions, Braindumps, Practice Tests, Study Guides, cheat sheet and many other names, but most of them are re-sellers that do not update their contents frequently. Killexams.com is best website of Year 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 test Dumps with the same frequency as they are updated in Real Test. test questions provided by killexams.com are Reliable, Up-to-date and validated by Certified Professionals. They maintain examcollection 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 Topics of new syllabus, They recommend to obtain PDF test Questions from killexams.com and get ready for real exam. When you feel that you should register for Premium Version, Just choose visit killexams.com and register, you will receive your Username/Password in your Email within 5 to 10 minutes. All the future updates and changes in Dumps will be provided in your obtain Account. You can obtain Premium practice test files as many times as you want, There is no limit.
Killexams.com has provided VCE practice test Software to Practice your test by Taking Test Frequently. It asks the Real test Questions and Marks Your Progress. You can take test as many times as you want. There is no limit. It will make your test prep very fast and effective. When you start getting 100% Marks with complete Pool of Questions, you will be ready to take real Test. Go register for Test in Exam Center and Enjoy your Success.
DP-300 sample test questions | 7492X pdf obtain | ACHPN test papers | C1000-144 study guide | PMH-BC practice questions | Hadoop-PR000007 Dumps | GERO-BC test test | IAPP-CIPT test sample | H13-629 study help | C1000-043 test questions | ISSMP question test | PCAT practice questions | S90.02A test Questions | 4A0-109 Latest Questions | ARA02 prep questions | 301b sample test | DES-DD23 test prep questions | MD0-235 online test | SPLK-3003 pass marks | I40-420 practice test |
CHAD - Certified Heroku Architecture Designer real questions
CHAD - Certified Heroku Architecture Designer questions
CHAD - Certified Heroku Architecture Designer Latest Topics
CHAD - Certified Heroku Architecture Designer Practice Questions
CHAD - Certified Heroku Architecture Designer information source
CHAD - Certified Heroku Architecture Designer PDF Questions
CHAD - Certified Heroku Architecture Designer book
CHAD - Certified Heroku Architecture Designer education
CHAD - Certified Heroku Architecture Designer test format
CHAD - Certified Heroku Architecture Designer test Questions
CHAD - Certified Heroku Architecture Designer outline
CHAD - Certified Heroku Architecture Designer premium pdf
CHAD - Certified Heroku Architecture Designer teaching
CHAD - Certified Heroku Architecture Designer PDF Download
CHAD - Certified Heroku Architecture Designer Latest Topics
CHAD - Certified Heroku Architecture Designer Question Bank
CHAD - Certified Heroku Architecture Designer Free PDF
CHAD - Certified Heroku Architecture Designer cheat sheet
CHAD - Certified Heroku Architecture Designer study help
CHAD - Certified Heroku Architecture Designer Real test Questions
CHAD - Certified Heroku Architecture Designer Test Prep
CHAD - Certified Heroku Architecture Designer testprep
CHAD - Certified Heroku Architecture Designer Practice Test
CHAD - Certified Heroku Architecture Designer PDF Download
CHAD - Certified Heroku Architecture Designer Test Prep
CHAD - Certified Heroku Architecture Designer Test Prep
CHAD - Certified Heroku Architecture Designer Free PDF
CHAD - Certified Heroku Architecture Designer Free PDF
CHAD - Certified Heroku Architecture Designer study tips
CHAD - Certified Heroku Architecture Designer tricks
CHAD - Certified Heroku Architecture Designer cheat sheet
CHAD - Certified Heroku Architecture Designer PDF Download
CHAD - Certified Heroku Architecture Designer outline
CHAD - Certified Heroku Architecture Designer guide
CHAD - Certified Heroku Architecture Designer book
CHAD - Certified Heroku Architecture Designer teaching
CHAD - Certified Heroku Architecture Designer test
CHAD - Certified Heroku Architecture Designer premium pdf
CHAD - Certified Heroku Architecture Designer course outline
CHAD - Certified Heroku Architecture Designer test success
CHAD - Certified Heroku Architecture Designer Free PDF
CHAD - Certified Heroku Architecture Designer PDF Download
CHAD - Certified Heroku Architecture Designer book
CHAD - Certified Heroku Architecture Designer outline
Other Salesforce Practice Tests
Salesforce-Certified-Marketing-Cloud-Email-Specialist pass exam | Salesforce-Certified-Marketing-Cloud-Consultant free questions | Certified-Data-Architecture-and-Management-Designer Real test Questions | Salesforce-Certified-Identity-and-Access-Management-Designer Question Bank | ADM-211 practice exam | Salesforce-nCino-201 practice exam | Salesforce-AI-Associate practice questions | Industries-CPQ-Developer test prep | Salesforce-Certified-Education-Cloud-Consultant free questions | ADM-201 real questions | Salesforce-Process-Automation-Accredited-Professional test prep | ADX-271 prep questions | Javascript-Developer-I study material | Salesforce-Security-Privacy-Accredited-Professional practice questions | Salesforce-Loyalty-Management test results | Pardot-Consultant mock test | Service-Cloud-Consultant Practice Questions | CRT-251 practice questions | Salesforce-B2B-Solution-Architect practical test | PDX-101 practice exam |
Best practice exams You Ever Experienced
BCP-520 test questions | PRA-CPRP online exam | PMI-ACP question test | 3171T test prep | PMI-100 Real test Questions | AZ-220 test questions | MTEL practice exam | MS-900 pdf exam | SOA-C02 mock test | CIMAPRO15-E03-X1-ENG sample test questions | PR000007 free questions | NEA-BC questions and answers | 201-01 training material | ACF-CCC practical test | C1000-065 Practice Test | CSCP Study Guide | ACF-CC test test | Salesforce-AI-Associate practice questions | 7495X practice questions | HPE2-N69 mock questions |
References :
https://www.instapaper.com/read/1314934735
http://killexams-braindumps.blogspot.com/2020/06/exactly-same-chad-latest-topics-as-real.html
https://killexams-posting.dropmark.com/817438/23792798
https://drp.mk/i/13nWP3qL2s
https://www.coursehero.com/file/77479734/Certified-Heroku-Architecture-Designer-CHADpdf/
https://files.fm/f/xcb474wkb
https://youtu.be/xRy7d0O5fBo
https://sites.google.com/view/killexams-chad-pdfdownload
http://feeds.feedburner.com/JustStudyThese9a0-128QuestionsAndStudyGuide
Similar Websites :
Pass4sure Certification test Practice Tests
Pass4Sure Certification Question Bank
CHAD Reviews by Customers
Customer Reviews help to evaluate the exam performance in real test. Here all the reviews, reputation, success stories and ripoff reports provided.
100% Valid and Up to Date CHAD 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