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 DA-100?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der DA-100: Analyzing Data with Microsoft Power BI Prüfung.

2024 Updated Actual DA-100 questions as experienced in Test Center

Aktuelle DA-100 Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz

DA-100 VCE exam - Analyzing Data with Microsoft Power BI | https://www.easyfinanz.cc/

Microsoft DA-100 : Analyzing Data with Microsoft Power BI exam Dumps

Exam Dumps Organized by Lee



Latest 2024 Updated Microsoft Analyzing Data with Microsoft Power BI Syllabus
DA-100 exam braindumps / Braindumps contains actual exam Questions

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




DA-100 Exam Center Questions : Download 100% Free DA-100 exam braindumps (PDF and VCE)

Exam Number : DA-100
Exam Name : Analyzing Data with Microsoft Power BI
Vendor Name : Microsoft
Update : Click Here to Check Latest Update
Question Bank : Check Questions

Microsoft DA-100 PDF Download of actual Question are separated to download.
We also offer a 100% free Practice Test test, which includes a get of their VCE test system that you can install on your computer to practice DA-100 dumps. And with three months of free updates to their DA-100 Analyzing Data with Microsoft Power BI Latest Questions questions and practice tests, you can be sure that you are always studying the latest and most relevant material.

Killexams.com offers the latest, valid, and 2024 up-to-date Microsoft DA-100 PDF Download, which are considered the best to pass the Analyzing Data with Microsoft Power BI exam. Their experts can help you achieve success on your first attempt. Their PDF Download performance has consistently remained at the top for the last four years. Customers trust their DA-100 PDF Download and VCE for their real DA-100 exam because of their reputation. Killexams.com is the best source for actual DA-100 test questions. They keep their DA-100 PDF Download valid and updated regularly.

We provide actual DA-100 test mock exam in two formats: DA-100 PDF and DA-100 VCE test simulator. Microsoft quickly converts the real exam into the actual test. The DA-100 Exam Cram PDF can be downloaded on any device, and you can print DA-100 PDF Download to create your own book. Their pass rate is as high as 98.9%, and the similarity between their DA-100 questions and the real exam is 98%. Do you want to pass the DA-100 test on your first attempt? Then, immediately get Microsoft DA-100 actual test questions from Killexams.com.







DA-100 exam Format | DA-100 Course Contents | DA-100 Course Outline | DA-100 exam Syllabus | DA-100 exam Objectives


Exam Number : DA-100

Exam Name : Analyzing Data with Microsoft Power BI



This course will discuss the various methods and best practices that are in line with business and technical requirements for modeling, visualizing, and analyzing data with Power BI. The course will also show how to access and process data from a range of data sources including both relational and non-relational data. This course will also explore how to implement proper security standards and policies across the Power BI spectrum including datasets and groups. The course will also discuss how to manage and deploy reports and dashboards for sharing and content distribution. Finally, this course will show how to build paginated reports within the Power BI service and publish them to a workspace for inclusion within Power BI.



Skills Gained

- Ingest, clean, and transform data

- Model data for performance and scalability

- Design and create reports for data analysis

- Apply and perform advanced report analytics

- Manage and share report assets

- Create paginated reports in Power BI



Specifically:

- Understanding core data concepts.

- Knowledge of working with relational data in the cloud.

- Knowledge of working with non-relational data in the cloud.

- Knowledge of data analysis and visualization concepts.



Course outline

Module 1: Get Started with Microsoft Data Analytics

This module explores the different roles in the data space, outlines the important roles and responsibilities of a Data Analysts, and then explores the landscape of the Power BI portfolio.



Lessons

Data Analytics and Microsoft

Getting Started with Power BI

Lab : Getting Started

Getting Started

After completing this module, you will be able to:



Explore the different roles in data

Identify the tasks that are performed by a data analyst

Describe the Power BI landscape of products and services

Use the Power BI service

Module 2: Prepare Data in Power BI

This module explores identifying and retrieving data from various data sources. You will also learn the options for connectivity and data storage, and understand the difference and performance implications of connecting directly to data vs. importing it.


Lessons

Get data from various data sources

Optimize performance

Resolve data errors

Lab : Preparing Data in Power BI Desktop

Prepare Data



After completing this module, you will be able to:



Identify and retrieve data from different data sources

Understand the connection methods and their performance implications

Optimize query performance

Resolve data import errors

Module 3: Clean, Transform, and Load Data in Power BI

This module teaches you the process of profiling and understanding the condition of the data. They will learn how to identify anomalies, look at the size and shape of their data, and perform the proper data cleaning and transforming steps to prepare the data for loading into the model.



Lessons

Data shaping

Enhance the data structure

Data Profiling

Lab : Transforming and Loading Data

Loading Data



After completing this module, students will be able to:



Apply data shape transformations

Enhance the structure of the data

Profile and examine the data

Module 4: Design a Data Model in Power BI

This module teaches the fundamental concepts of designing and developing a data model for proper performance and scalability. This module will also help you understand and tackle many of the common data modeling issues, including relationships, security, and performance.



Lessons

Introduction to data modeling

Working with tables

Dimensions and Hierarchies

Lab : Data Modeling in Power BI Desktop

Create Model Relationships

Configure Tables

Review the model interface

Create Quick Measures

Lab : Advanced Data Modeling in Power BI Desktop

Configure many-to-many relationships

Enforce row-level security



After completing this module, you will be able to:



Understand the basics of data modeling

Define relationships and their cardinality

Implement Dimensions and Hierarchies

Create histograms and rankings

Module 5: Create Model Calculations using DAX in Power BI

This module introduces you to the world of DAX and its true power for enhancing a model. You will learn about aggregations and the concepts of Measures, calculated columns and tables, and Time Intelligence functions to solve calculation and data analysis problems.



Lessons

Introduction to DAX

DAX context

Advanced DAX

Lab : Introduction to DAX in Power BI Desktop

Create calculated tables

Create calculated columns

Create measures

Lab : Advanced DAX in Power BI Desktop

Use the CALCULATE() function to manipulate filter context

use Time Intelligence functions



After completing this module, you will be able to:



Understand DAX

Use DAX for simple formulas and expressions

Create calculated tables and measures

Build simple measures

Work with Time Intelligence and Key Performance Indicators

Module 6: Optimize Model Performance

In this module you are introduced to steps, processes, concepts, and data modeling best practices necessary to optimize a data model for enterprise-level performance.



Lessons

Optimze the model for performance

Optimize DirectQuery Models

Create and manage Aggregations



After completing this module, you will be able to:



Understand the importance of variables

Enhance the data model

Optimize the storage model

Implement aggregations

Module 7: Create Reports

This module introduces you to the fundamental concepts and principles of designing and building a report, including selecting the correct visuals, designing a page layout, and applying basic but critical functionality. The important syllabu of designing for accessibility is also covered.



Lessons

Design a report

Enhance the report

Lab : Designing a report in Power BI

Create a live connection in Power BI Desktop

Design a report

Configure visual fields adn format properties

Lab : Enhancing Power BI reports with interaction and formatting

Create and configure Sync Slicers

Create a drillthrough page

Apply conditional formatting

Create and use Bookmarks



After completing this module, you will be able to:



Design a report page layout

Select and add effective visualizations

Add basic report functionality

Add report navigation and interactions

Improve report performance

Design for accessibility

Module 8: Create Dashboards

In this module you will learn how to tell a compelling story through the use of dashboards and the different navigation tools available to provide navigation. You will be introduced to features and functionality and how to enhance dashboards for usability and insights.



Lessons

Create a Dashboard

Real-time Dashboards

Enhance a Dashboard

Lab : Designing a report in Power BI Desktop - Part 1

Create a Dashboard

Pin visuals to a Dashboard

Configure a Dashboard tile alert

Use Q&A to create a dashboard tile



After completing this module, students will be able to:



Create a Dashboard

Understand real-time Dashboards

Enhance Dashboard usability

Module 9: Create Paginated Reports in Power BI

This module will teach you about paginated reports, including what they are how they fit into Power BI. You will then learn how to build and publish a report.



Lessons

Paginated report overview

Create Paginated reports

Lab : Creating a Paginated report

Use Power BI Report Builder

Design a multi-page report layout

Define a data source

Define a dataset

Create a report parameter

Export a report to PDF



After completing this module, you will be able to:



Explain paginated reports

Create a paginated report

Create and configure a data source and dataset

Work with charts and tables

Publish a report

Module 10: Perform Advanced Analytics

This module helps you apply additional features to enhance the report for analytical insights in the data, equipping you with the steps to use the report for actual data analysis. You will also perform advanced analytics using AI visuals on the report for even deeper and meaningful data insights.



Lessons

Advanced Analytics

Data Insights through AI visuals

Lab : Data Analysis in Power BI Desktop

Create animated scatter charts

Use teh visual to forecast values

Work with Decomposition Tree visual

Work with the Key Influencers visual



After completing this module, you will be able to:



Explore statistical summary

Use the Analyze feature

Identify outliers in data

Conduct time-series analysis

Use the AI visuals

Use the Advanced Analytics custom visual

Module 11: Create and Manage Workspaces

This module will introduce you to Workspaces, including how to create and manage them. You will also learn how to share content, including reports and dashboards, and then learn how to distribute an App.



Lessons

Creating Workspaces

Sharing and Managing Assets

Lab : Publishing and Sharing Power BI Content

Map security principals to dataset roles

Share a dashboard

Publish an App



After completing this module, you will be able to:



Create and manage a workspace

Understand workspace collaboration

Monitor workspace usage and performance

Distribute an App

Module 12: Manage Datasets in Power BI

In this module you will learn the concepts of managing Power BI assets, including datasets and workspaces. You will also publish datasets to the Power BI service, then refresh and secure them.



Lessons

Parameters

Datasets



After completing this module, you will be able to:



Create and work with parameters

Manage datasets

Configure dataset refresh

Troubleshoot gateway connectivity

Module 13: Row-level security

This module teaches you the steps for implementing and configuring security in Power BI to secure Power BI assets.



Lessons

Security in Power BI



After completing this module, you will be able to:



Understand the aspects of Power BI security

Configure row-level security roles and group memberships



Killexams Review | Reputation | Testimonials | Feedback


Little study for DA-100 exam, got outstanding success.
My planning was in an indiscriminate condition when the exam DA-100 was only one week away, and I expected that I would need to retake in the event of disappointment to get 80% pass scores. Following a colleague's recommendation, I bought the mock exam from killexams.com and could take a moderate arrangement by generally composed material. The result was that I passed the DA-100 exam with a score of a hundred%.


Am i able to find dumps Questions & Answers latest DA-100 exam?
Killexams.com is an excellent online coaching program that helped me join the high ranks of outstanding students. Their resources, including DA-100 pdfs, DA-100 dumps, and DA-100 books, are precise and extremely useful for exam preparation. I am grateful for killexams.com and highly recommend their services.


Less effort, great DA-100 knowledge, guaranteed success.
Killexams.com is a valid and dependable resource, offering real DA-100 questions with correct answers. The exam simulator is easy to use, and the customer support is excellent. With extra data, this is a very precise offer that stands out among free random braindumps found online. I had a great experience with Killexams and passed the DA-100 exam with a high mark.


No waste of time on internet! Found exact source of DA-100 questions.
I am very happy to report that I passed my DA-100 exam with ease thanks to killexams.com's excellent exam preparation material. I want to express my gratitude for their helpful and beneficial resources.


Strive out these actual DA-100 latestmodern dumps.
When I had a short time to prepare for the DA-100 exam, I searched for smooth solutions and found killexams.com. Their mock exam were a great help for me, and I could easily understand and mug up the hard concepts. The questions were identical to the guide, and I scored well in the exam. killexams.com was very helpful, and I recommend it for the best DA-100 exam preparation.


Microsoft Microsoft actual Questions

   


While it is very hard task to choose reliable certification questions / answers resources with respect to review, reputation and validity because people get ripoff due to choosing wrong service. Killexams.com make it sure to serve its clients best to its resources with respect to exam braindumps update and validity. Most of other's ripoff report complaint clients come to us for the brain dumps and pass their exams happily and easily. They never compromise on their review, reputation and quality because killexams review, killexams reputation and killexams client confidence is important to us. Specially they take care of killexams.com review, killexams.com reputation, killexams.com ripoff report complaint, killexams.com trust, killexams.com validity, killexams.com report and killexams.com scam. The same care that they take about killexams review, killexams reputation, killexams ripoff report complaint, killexams trust, killexams validity, killexams report and killexams scam. If you see any false report posted by their competitors with the name killexams ripoff report complaint internet, killexams ripoff report, killexams scam, killexams.com complaint or something like this, just keep in mind that there are always bad people damaging reputation of good services due to their benefits. There are thousands of satisfied customers that pass their exams using killexams.com brain dumps, killexams PDF questions, killexams practice questions, killexams exam simulator. Visit Their demo questions and demo brain dumps, their exam simulator and you will definitely know that killexams.com is the best brain dumps site.

Which is the best dumps website?
Indeed, Killexams is practically legit together with fully well-performing. There are several options that makes killexams.com real and legitimized. It provides knowledgeable and practically valid exam braindumps made up of real exams questions and answers. Price is really low as compared to almost all the services online. The mock exam are updated on normal basis along with most exact brain dumps. Killexams account setup and device delivery is rather fast. Report downloading is usually unlimited and very fast. Guidance is avaiable via Livechat and Email. These are the features that makes killexams.com a sturdy website that give exam braindumps with real exams questions.



Is killexams.com test material dependable?
There are several mock exam provider in the market claiming that they provide actual exam Questions, Braindumps, Practice Tests, Study Guides, cheat sheet and many other names, but most of them are re-sellers that do not update their contents frequently. Killexams.com is best website of Year 2024 that understands the issue candidates face when they spend their time studying obsolete contents taken from free pdf get sites or reseller sites. Thats why killexams.com update exam mock exam with the same frequency as they are updated in Real Test. exam braindumps 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 exam Fast with improvement in your knowledge about latest course contents and courses of new syllabus, They recommend to get PDF exam 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 mock exam will be provided in your get Account. You can get Premium exam braindumps files as many times as you want, There is no limit.

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




DMV Cheatsheet | C90.02 cram | NCCT-ICS past bar exams | ADM-211 braindumps | 1Y0-312 online exam | 9L0-827 get | CTAL-TM-UK Dumps | 500-275 mock exam | PMI-200 PDF get | BCS-BAP practice questions | JN0-1302 english test questions | CCP exam Questions | PC-CIC-Core braindumps | DES-1121 actual questions | ISTQB-Advanced-Level-1 exam tips | CIMAPRA19-F03-1-ENG mock exam | Scrum-PSD actual questions | CTFL_Foundation Latest courses | 300-535 mock questions | TM1-101 actual Questions |


DA-100 - Analyzing Data with Microsoft Power BI outline
DA-100 - Analyzing Data with Microsoft Power BI study help
DA-100 - Analyzing Data with Microsoft Power BI test
DA-100 - Analyzing Data with Microsoft Power BI PDF Braindumps
DA-100 - Analyzing Data with Microsoft Power BI test prep
DA-100 - Analyzing Data with Microsoft Power BI course outline
DA-100 - Analyzing Data with Microsoft Power BI Dumps
DA-100 - Analyzing Data with Microsoft Power BI study help
DA-100 - Analyzing Data with Microsoft Power BI Test Prep
DA-100 - Analyzing Data with Microsoft Power BI exam dumps
DA-100 - Analyzing Data with Microsoft Power BI exam success
DA-100 - Analyzing Data with Microsoft Power BI Free exam PDF
DA-100 - Analyzing Data with Microsoft Power BI testing
DA-100 - Analyzing Data with Microsoft Power BI PDF Download
DA-100 - Analyzing Data with Microsoft Power BI PDF Questions
DA-100 - Analyzing Data with Microsoft Power BI braindumps
DA-100 - Analyzing Data with Microsoft Power BI exam
DA-100 - Analyzing Data with Microsoft Power BI certification
DA-100 - Analyzing Data with Microsoft Power BI exam
DA-100 - Analyzing Data with Microsoft Power BI exam Braindumps
DA-100 - Analyzing Data with Microsoft Power BI exam dumps
DA-100 - Analyzing Data with Microsoft Power BI education
DA-100 - Analyzing Data with Microsoft Power BI PDF Download
DA-100 - Analyzing Data with Microsoft Power BI exam dumps
DA-100 - Analyzing Data with Microsoft Power BI PDF Dumps
DA-100 - Analyzing Data with Microsoft Power BI exam Questions
DA-100 - Analyzing Data with Microsoft Power BI study tips
DA-100 - Analyzing Data with Microsoft Power BI information search
DA-100 - Analyzing Data with Microsoft Power BI actual Questions
DA-100 - Analyzing Data with Microsoft Power BI syllabus
DA-100 - Analyzing Data with Microsoft Power BI information source
DA-100 - Analyzing Data with Microsoft Power BI PDF Download
DA-100 - Analyzing Data with Microsoft Power BI real questions
DA-100 - Analyzing Data with Microsoft Power BI boot camp
DA-100 - Analyzing Data with Microsoft Power BI actual Questions
DA-100 - Analyzing Data with Microsoft Power BI test
DA-100 - Analyzing Data with Microsoft Power BI exam
DA-100 - Analyzing Data with Microsoft Power BI exam success
DA-100 - Analyzing Data with Microsoft Power BI Test Prep
DA-100 - Analyzing Data with Microsoft Power BI information source
DA-100 - Analyzing Data with Microsoft Power BI exam dumps
DA-100 - Analyzing Data with Microsoft Power BI exam dumps
DA-100 - Analyzing Data with Microsoft Power BI Question Bank
DA-100 - Analyzing Data with Microsoft Power BI education

Other Microsoft exam Dumps


DP-500 free exam papers | MB-800 exam preparation | DA-100 exam questions | MS-900 bootcamp | PL-200 exam Cram | MS-721 free prep | DP-300 practical test | MD-100 Dumps | DP-203 free pdf | AZ-900 PDF Questions | MB-260 assessment test sample | MB-335 exam test | AZ-720 exam papers | MS-100 mock questions | DP-100 practice exam | MB-910 dumps questions | MB-320 Practice Test | AZ-800 exam questions | DP-420 study guide | MS-101 exam dumps |


Best exam braindumps You Ever Experienced


Javascript-Developer-I free exam papers | CyberArk-EPM study material | HPE6-A48 pdf download | DP-100 training material | PAM-DEF-SEN Free PDF | AZ-500 free prep | HPE6-A85 practice questions | BI0-210 pass marks | 1Y0-312 practice exam | 350-201 exam dumps | 3X0-102 brain dumps | SSM Latest Questions | Copado-Robotic-Testing questions answers | NREMT-PTE exam papers | 050-890 Questions and Answers | CSWIP exam prep | 2V0-41.23 exam questions | 9L0-619 online exam | 1T6-111 free pdf | PAM-DEF test prep |





References :


https://sites.google.com/view/killexams-da-100-study-guide
https://killexamsprectictest.blogspot.com/2021/01/da-100-analyzing-data-with-microsoft.html
https://drp.mk/i/FVdL1rf3MN
https://files.fm/f/h85hhwqe7
https://www.instapaper.com/read/1400227281



Similar Websites :
Pass4sure Certification exam dumps
Pass4Sure exam Questions and Dumps






Direct Download

DA-100 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.

DA-100 Reviews

100% Valid and Up to Date DA-100 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