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 CPQ-211?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der CPQ-211: Salesforce CPQ Admin Essentials for Experienced Administrators Prüfung.

2023 Updated Actual CPQ-211 questions as experienced in Test Center

Aktuelle CPQ-211 Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz

CPQ-211 Q&A - Salesforce CPQ Admin Essentials for Experienced Administrators | https://www.easyfinanz.cc/

Salesforce CPQ-211 : Salesforce CPQ Admin Essentials for Experienced Administrators ACTUAL EXAM QUESTIONS

Exam Dumps Organized by Martin Hoax



Latest 2023 Updated Salesforce Salesforce CPQ Admin Essentials for Experienced Administrators Syllabus
CPQ-211 ACTUAL EXAM QUESTIONS / Braindumps contains actual test Questions

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




CPQ-211 Exam Center Questions : Download 100% Free CPQ-211 ACTUAL EXAM QUESTIONS (PDF and VCE)

Exam Number : CPQ-211
Exam Name : Salesforce CPQ Admin Essentials for Experienced Administrators
Vendor Name : Salesforce
Update : Click Here to Check Latest Update
Question Bank : Check Questions

CPQ-211 Certification Training and PDF Download
We at killexams.com offer 100% free Test Prep for those who wish to attempt them before making a purchase. They are confident that you will appreciate the quality of their genuine test questions for the CPQ-211 exam. Simply register for the complete Salesforce CPQ Admin Essentials for Experienced Administrators questions bank and obtain your copy. Use their VCE test simulator for practice, and you will feel confident before taking the actual CPQ-211 test.

If you are interested in passing the Salesforce CPQ-211 test to secure a great job, then registering at killexams.com is a must. They have a team of experts who are working hard to collect genuine CPQ-211 test questions. By using their Salesforce CPQ Admin Essentials for Experienced Administrators test questions, you can ensure that you will breeze through the CPQ-211 exam. Additionally, you can obtain the updated CPQ-211 test questions for free, and you can do it every time.

Several organizations offer CPQ-211 Latest Topics, but having a valid and up-to-date CPQ-211 Actual Questions is a significant concern. Therefore, it is essential to reexamine killexams.com before you rely on the free CPQ-211 Exam Questions available on the web.

Killexams.com provides CPQ-211 Latest Questions, which includes all the updates and changes made in CPQ-211 in 2023. With their Latest Questions, you can ensure your success in the actual CPQ-211 exam. They recommend that you go through the full examcollection at least once before you take the actual test. This practice not only helps candidates to use their CPQ-211 exam dumps but also enhances their knowledge, making them experts in their field.

Killexams CPQ-211 Latest Topics offers several features that make it stand out from the rest. Their Latest Topics provides accurate and Checked questions and answers, and they offer a money-back guarantee if the candidate fails the exam. They also provide a demo version of their Latest Topics, which allows candidates to test their product before purchasing it. Furthermore, their Latest Topics is user-friendly, and the questions are designed to match the actual test pattern.







CPQ-211 test Format | CPQ-211 Course Contents | CPQ-211 Course Outline | CPQ-211 test Syllabus | CPQ-211 test Objectives


Exam Specification: CPQ-211 Salesforce CPQ Admin Essentials for Experienced Administrators

Exam Name: CPQ-211 Salesforce CPQ Admin Essentials for Experienced Administrators
Exam Code: CPQ-211
Exam Duration: 90 minutes
Passing Score: 65%
Exam Format: Multiple-choice
Exam Delivery: Proctored online or at a testing center

Course Outline:

1. Advanced Product Configuration
- Configuring complex product rules and dependencies
- Implementing guided selling and product search filters
- Managing advanced product attributes and options

2. Pricing and Discounting Strategies
- Designing and implementing advanced pricing strategies
- Utilizing advanced discounting methods and capabilities
- Configuring pricing waterfall and discount schedules

3. Quote Templates and Document Generation
- Customizing quote templates with advanced formatting and branding
- Creating dynamic quote templates using advanced merge fields
- Implementing custom actions and buttons in quote templates

4. Contracting and Renewals Automation
- Streamlining contract management processes with automation
- Creating contract templates with advanced clauses and terms
- Automating contract renewals and amendments

5. Customization and Extension
- Implementing custom logic using Apex and Visualforce
- Creating custom fields, objects, and workflows in Salesforce CPQ
- Integrating Salesforce CPQ with other systems using APIs

6. Performance Optimization and Scalability
- Optimizing Salesforce CPQ for performance and scalability
- Managing large data volumes and system resources
- Implementing batch processing and asynchronous operations

7. Analytics and Reporting
- Designing and creating advanced reports and dashboards
- Analyzing sales and quoting data for insights and decision-making
- Utilizing Salesforce Einstein Analytics with Salesforce CPQ

Exam Objectives:

1. Configure advanced product configuration rules and dependencies.
2. Implement advanced pricing and discounting strategies.
3. Customize quote templates with advanced formatting and branding.
4. Automate contracting and renewals processes in Salesforce CPQ.
5. Extend Salesforce CPQ functionality through customization and integration.
6. Optimize performance and scalability of Salesforce CPQ.
7. Utilize advanced analytics and reporting features in Salesforce CPQ.

Exam Syllabus:

Section 1: Advanced Product Configuration (20%)
- Configuring complex product rules and dependencies
- Implementing guided selling and product search filters
- Managing advanced product attributes and options

Section 2: Pricing and Discounting Strategies (20%)
- Designing and implementing advanced pricing strategies
- Utilizing advanced discounting methods and capabilities
- Configuring pricing waterfall and discount schedules

Section 3: Quote Templates and Document Generation (15%)
- Customizing quote templates with advanced formatting and branding
- Creating dynamic quote templates using advanced merge fields
- Implementing custom actions and buttons in quote templates

Section 4: Contracting and Renewals Automation (15%)
- Streamlining contract management processes with automation
- Creating contract templates with advanced clauses and terms
- Automating contract renewals and amendments

Section 5: Customization and Extension (15%)
- Implementing custom logic using Apex and Visualforce
- Creating custom fields, objects, and workflows in Salesforce CPQ
- Integrating Salesforce CPQ with other systems using APIs

Section 6: Performance Optimization and Scalability (10%)
- Optimizing Salesforce CPQ for performance and scalability
- Managing large data volumes and system resources
- Implementing batch processing and asynchronous operations

Section 7: Analytics and Reporting (5%)
- Designing and creating advanced reports and dashboards
- Analyzing sales and quoting data for insights and decision-making
- Utilizing Salesforce Einstein Analytics with Salesforce CPQ



Killexams Review | Reputation | Testimonials | Feedback


Am i able to obtain actual Q&A updated CPQ-211 exam?
I used killexams.com to study for my CPQ-211 exam, and it was a wonderful experience. The bendy material was easy to apply, and it helped me pass the test with flying colors. I will continue to use killexams.com for my future exams and recommend it to others. Killexams.com is the best resource for anyone looking to Excellerate their test scores.


Observed these most CPQ-211 Questions in real study that I passed.
With two weeks left for my CPQ-211 exam, I felt helpless due to my wrong practices. I needed to pass the test to change my job, but my worries were eliminated when I discovered the Q&A provided by killexams.com. The rich and unique content of the guide, along with the easy and brief answers, helped me understand the subjects with ease. The CPQ-211 official Cert guide also came in handy.


No waste of time on searhching internet! determined precise source of CPQ-211 Questions and Answers.
The CPQ-211 test is a highly respected certification that I have been dreaming of achieving for some time. However, due to my busy schedule, I found it challenging to make time for test preparation. Thankfully, I discovered the helpful CPQ-211 Questions and Answers, which made test education practical and accessible. With the user-friendly layout and accurate questions, I was able to even study while driving to work and managed to achieve my dream certification.


Where should I go to get CPQ-211 actual questions?
All praise for my achievement goes to killexams.com, which correctly guided me for attempting CPQ-211 test questions. With the help of this study material, I was able to attempt all the questions in the test and achieve great success.


Can I find real Q&A of CPQ-211 exam?
The success achieved in the CPQ-211 test is attributed to killexams.com's user-friendly test simulator and genuine questions and answers. The Exam Center acted as a captain or pilot, providing guidance and direction that led to success. The candidate, Suman Kumar, scored 89% in the test and is grateful for the detailed answers that helped him understand the concept and mathematical calculations.


Salesforce Administrators information search

 

Salesforce quietly terminated the employment of a popular diversity executive

  • Salesforce quietly released diversity executive Jacalyn Chapman in May, sources tell Insider.
  • The company told some employees Chapman's role was being eliminated, one of the people said.
  • Salesforce is facing a discrimination lawsuit from another diversity executive.
  • Salesforce terminated the employment of a popular diversity, equity, and inclusion executive in May, people familiar with the matter told Insider. The people asked not to be identified discussing sensitive matters.

    Jacalyn Chapman spent 12 years at Salesforce and was most recently vice president of equality, employee advocacy, and belonging. Although the circumstances of her termination are unclear, one person said some employees were told her role was being eliminated. Salesforce declined comment to Insider.

    She was well-liked by colleagues and known for having a direct line to Salesforce executives like CEO Marc Benioff and Chief People Officer Brent Hyder, the people told Insider. Once word spread internally that she was gone, dozens of employees thanked Chapman for her contributions to Salesforce on an online card viewed by Insider.

    Salesforce's dismissal of Chapman, a Black woman, comes as the company is aggressively cutting headcount and costs in recent months. Chief Business Officer Ebony Beckwith, the only Black executive on Salesforce's leadership team, also left the company in May.

    As Insider previously reported, Salesforce is also currently facing a discrimination lawsuit from another Black woman who worked as a senior director in the company's diversity, equity, and inclusion unit called the Office of Equality. The lawsuit claims she was denied a promotion to vice president after performing tasks others in the role performed and was held to different standards than her white colleagues. The company denies these claims.

    Led by philanthropy-minded Benioff, Salesforce has long aspired to be the tech industry's champion for social justice. But Salesforce has been under pressure to focus on profit from a group of activist investors. It announced a plan to layoff 10% of its global workforce earlier this year, shed some real estate, and hired Bain & Company to help it restructure. Many of the layoffs have been sales, recruiting, and marketing roles, as well as jobs in some of its acquired companies, including Tableau, Mulesoft, and Slack.

    With a newfound focus on budgets and profits, some employees say that its culture is becoming radically changed.

    Do you work at Salesforce and have insight or information to share? Contact Ellen Thomas on Signal at 646-847-9416 or ethomas@insider.com. Contact Ashley Stewart via the encrypted messaging app Signal (+1-425-344-8242) or email (astewart@insider.com). Use a nonwork device.


    Salesforce is trotting out Matthew McConaughey amid cost cuts and employees aren't happy, leaked messages show

  • Salesforce reportedly paid Matthew McConaughey $10 million a year during layoffs.
  • The actor has started to appear publicly on behalf of Salesforce. Some employees aren't happy.
  • "I was denied a promotion this cycle because of 'lack of budget' but they can throw $10mil a year at this guy," one wrote.
  • Salesforce appears to be trying to get its money's worth out of Matthew McConaughey since it was publicly reported by the Wall Street Journal in February that the company paid the actor $10 million a year.

    McConaughey's voice appeared in Salesforce's "AI Day" event in June and Salesforce recently announced McConaughey as a speaker at the company's annual Dreamforce conference in September.

    But some employees are not happy about it because the McConaughey deal was made public just a month after Salesforce announced it would be conducting widespread layoffs this year. The company is still emphasizing cost cutting to employees.

    Some employees complained about the company's relationship with McConaughey in an internal Slack channel called "airing of grievances," according to messages viewed by Insider.

    "Well, that was totally worth a salary of 10 million USD a year," one employee wrote, sharing a 15-second Salesforce marketing video of McConaughey asking, "If AI collects your data in a forest, and no one is around to watch it, what happens?"

    "Yet, there's a focus on revenue, team meetings are cancelled due to having to book billable hours, and budget for promotion is limited," another employee responded.

    "I was denied a promotion this cycle because of 'lack of budget' but they can throw $10mil a year at this guy?" another wrote.

    In January, Salesforce began layoffs of 10% of its workforce as activist investors pushed for higher profits. A draft of Salesforce's annual planning document viewed by Insider earlier this year detailed how the company planned to exceed 30% profit margins. Salesforce did not immediately respond to a request for comment.

    Are you a tech-industry employee or do you have insight to share? Contact Ashley Stewart via the encrypted messaging app Signal (+1-425-344-8242) or email (astewart@insider.com).


     


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

    Which is the best dumps website?
    Absolutely yes, Killexams is 100% legit and fully reliable. There are several characteristics that makes killexams.com authentic and straight. It provides current and 100% valid ACTUAL EXAM QUESTIONS containing real exams questions and answers. Price is surprisingly low as compared to a lot of the services on internet. The Q&A are updated on ordinary basis with most recent brain dumps. Killexams account setup and item delivery is very fast. Computer file downloading can be unlimited and incredibly fast. Assist is avaiable via Livechat and Email address. These are the features that makes killexams.com a sturdy website that include ACTUAL EXAM QUESTIONS with real exams questions.



    Is killexams.com test material dependable?
    There are several Q&A provider in the market claiming that they provide actual 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 Q&A 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 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 subjects of new syllabus, They recommend to obtain PDF test Questions from killexams.com and get ready for actual 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 Q&A 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 actual Test. Go register for Test in Exam Center and Enjoy your Success.




    CEN Test Prep | ACA-BIGDATA1 ACTUAL EXAM QUESTIONS | 101 Latest subjects | A30-327 test results | IIA-ACCA online test | AFE free pdf obtain | ISEE ACTUAL EXAM QUESTIONS | CCJE practice questions | PCCSE free prep | JN0-553 free practice questions | CISSP free pdf | 500-275 test questions | 300-425 model question | PCNSE online test | GB0-191-ENU actual Questions | Google-ACE past exams | TA-002-P test example | Servicenow-CIS-VR examcollection | ISSAP free online test | PAM-DEF mock test |


    CPQ-211 - Salesforce CPQ Admin Essentials for Experienced Administrators exam
    CPQ-211 - Salesforce CPQ Admin Essentials for Experienced Administrators test contents
    CPQ-211 - Salesforce CPQ Admin Essentials for Experienced Administrators study help
    CPQ-211 - Salesforce CPQ Admin Essentials for Experienced Administrators learn
    CPQ-211 - Salesforce CPQ Admin Essentials for Experienced Administrators ACTUAL EXAM QUESTIONS
    CPQ-211 - Salesforce CPQ Admin Essentials for Experienced Administrators real questions
    CPQ-211 - Salesforce CPQ Admin Essentials for Experienced Administrators test
    CPQ-211 - Salesforce CPQ Admin Essentials for Experienced Administrators test prep
    CPQ-211 - Salesforce CPQ Admin Essentials for Experienced Administrators Practice Test
    CPQ-211 - Salesforce CPQ Admin Essentials for Experienced Administrators test Questions
    CPQ-211 - Salesforce CPQ Admin Essentials for Experienced Administrators teaching
    CPQ-211 - Salesforce CPQ Admin Essentials for Experienced Administrators PDF Download
    CPQ-211 - Salesforce CPQ Admin Essentials for Experienced Administrators actual Questions
    CPQ-211 - Salesforce CPQ Admin Essentials for Experienced Administrators test Questions
    CPQ-211 - Salesforce CPQ Admin Essentials for Experienced Administrators exam
    CPQ-211 - Salesforce CPQ Admin Essentials for Experienced Administrators Practice Test
    CPQ-211 - Salesforce CPQ Admin Essentials for Experienced Administrators book
    CPQ-211 - Salesforce CPQ Admin Essentials for Experienced Administrators testing
    CPQ-211 - Salesforce CPQ Admin Essentials for Experienced Administrators course outline
    CPQ-211 - Salesforce CPQ Admin Essentials for Experienced Administrators study tips
    CPQ-211 - Salesforce CPQ Admin Essentials for Experienced Administrators PDF Download
    CPQ-211 - Salesforce CPQ Admin Essentials for Experienced Administrators outline
    CPQ-211 - Salesforce CPQ Admin Essentials for Experienced Administrators book
    CPQ-211 - Salesforce CPQ Admin Essentials for Experienced Administrators test contents
    CPQ-211 - Salesforce CPQ Admin Essentials for Experienced Administrators Free PDF
    CPQ-211 - Salesforce CPQ Admin Essentials for Experienced Administrators Questions and Answers
    CPQ-211 - Salesforce CPQ Admin Essentials for Experienced Administrators Questions and Answers
    CPQ-211 - Salesforce CPQ Admin Essentials for Experienced Administrators book
    CPQ-211 - Salesforce CPQ Admin Essentials for Experienced Administrators test contents
    CPQ-211 - Salesforce CPQ Admin Essentials for Experienced Administrators course outline
    CPQ-211 - Salesforce CPQ Admin Essentials for Experienced Administrators guide
    CPQ-211 - Salesforce CPQ Admin Essentials for Experienced Administrators test
    CPQ-211 - Salesforce CPQ Admin Essentials for Experienced Administrators PDF Download
    CPQ-211 - Salesforce CPQ Admin Essentials for Experienced Administrators real questions
    CPQ-211 - Salesforce CPQ Admin Essentials for Experienced Administrators certification
    CPQ-211 - Salesforce CPQ Admin Essentials for Experienced Administrators outline
    CPQ-211 - Salesforce CPQ Admin Essentials for Experienced Administrators techniques
    CPQ-211 - Salesforce CPQ Admin Essentials for Experienced Administrators PDF Dumps
    CPQ-211 - Salesforce CPQ Admin Essentials for Experienced Administrators braindumps
    CPQ-211 - Salesforce CPQ Admin Essentials for Experienced Administrators Dumps
    CPQ-211 - Salesforce CPQ Admin Essentials for Experienced Administrators Study Guide
    CPQ-211 - Salesforce CPQ Admin Essentials for Experienced Administrators Free PDF
    CPQ-211 - Salesforce CPQ Admin Essentials for Experienced Administrators guide
    CPQ-211 - Salesforce CPQ Admin Essentials for Experienced Administrators cheat sheet

    Other Salesforce ACTUAL EXAM QUESTIONS


    Salesforce-Marketing-Cloud-Developer trial test | ADX-271 Study Guide | Salesforce-CDP mock questions | Salesforce-Certified-Marketing-Cloud-Email-Specialist Question Bank | ADM-261 PDF Dumps | Nonprofit-Cloud-Consultant Latest Topics | Salesforce-Certified-Advanced-Administrator ACTUAL EXAM QUESTIONS | CPQ-201 free prep | Industries-CPQ-Developer cheat sheets | Salesforce-B2B-Commerce-Administrator writing test questions | PDX-101 ACTUAL EXAM QUESTIONS | Platform-App-Builder training material | ADM-201 prep questions | Marketing-Cloud-Consultant practical test | DEV-401 brain dumps | Salesforce-OmniStudio-Developer free pdf | Salesforce-Certified-B2C-Commerce-Developer cheat sheet | Salesforce-Certified-Community-Cloud-Consultant braindumps | Salesforce-B2B-Solution-Architect test results | DEX-450 model question |


    Best ACTUAL EXAM QUESTIONS You Ever Experienced


    ACP-100 braindumps | Nonprofit-Cloud-Consultant mock exam | NET practice questions | CRA free pdf | ECDL-ADVANCED Free test PDF | GRE-Verbal free prep | FSOT question test | S90.03A study guide | 300-820 PDF Download | SDM-2002001030 actual Questions | NCBTMB questions and answers | 300-735 cheat sheets | CIMAPRA17-BA2-1-ENG brain dumps | 3X0-101 bootcamp | NREMT-NRP practice exam | FCNSP practical test | AZ-304 cbt | 050-894 pdf download | CSTE trial test questions | S90.05A test Questions |





    References :





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






    Direct Download

    CPQ-211 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.

    CPQ-211 Reviews

    100% Valid and Up to Date CPQ-211 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