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 DEV-450?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der DEV-450: Salesforce Certified Platform Developer I Prüfung.

2023 Updated Actual DEV-450 questions as experienced in Test Center

Aktuelle DEV-450 Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz

DEV-450 Test Prep - Salesforce Certified Platform Developer I | https://www.easyfinanz.cc/

Salesforce DEV-450 : Salesforce Certified Platform Developer I exam Dumps

Exam Dumps Organized by Martha nods



Latest 2023 Updated Salesforce Salesforce Certified Platform Developer I Syllabus
DEV-450 real qeustions / Braindumps contains genuine exam Questions

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




DEV-450 Exam Center Questions : Download 100% Free DEV-450 real qeustions (PDF and VCE)

Exam Number : DEV-450
Exam Name : Salesforce Certified Platform Developer I
Vendor Name : Salesforce
Update : Click Here to Check Latest Update
Question Bank : Check Questions

Newest 2021 Content of DEV-450 Practice Questions questions bank
At killexams.com, they provide very legitimate Salesforce DEV-450 Latest Topics that are necessary for passing the DEV-450 test. They genuinely empower people to Boost their insight and memory of the Salesforce Certified Platform Developer I Real exam Questions and guarantee their 100% achievement. It is the best choice to advance your situation in your association.

At killexams.com, they take pride in offering the latest Salesforce Certified Platform Developer I syllabus, valid and up-to-date Salesforce DEV-450 Questions and Answers that are highly effective in passing the Salesforce Certified Platform Developer I exam. By choosing their platform, you can enhance your career as an expert in your industry. They have earned a reputation for assisting individuals in passing the DEV-450 exam on their first attempt. Their PDF Download performance has been consistently excellent over the past two years. Thanks to their DEV-450 Questions and Answers, customers trust their Questions and Answers and VCE for their genuine DEV-450 exam. killexams.com is the leader in providing DEV-450 real test questions. They continuously maintain the validity and relevance of their DEV-450 Questions and Answers to ensure that their customers succeed in the exam with high marks.

Our Salesforce Certified Platform Developer I real qeustions are guaranteed to help you pass the test with flying colors. They offer their DEV-450 Questions and Answers in two formats, DEV-450 PDF file, and DEV-450 VCE test simulator. The DEV-450 real exam is rapidly evolving, and they ensure that their DEV-450 Questions and Answers is always up-to-date. You can obtain their DEV-450 Questions and Answers PDF document on any device and even print it out to create your own study book. Their pass rate is high at 98.9%, and the similarity between their DEV-450 questions and the genuine test is 98%. So, if you want to succeed in the DEV-450 exam on your first attempt, visit killexams.com to obtain their Salesforce DEV-450 real test questions.







DEV-450 exam Format | DEV-450 Course Contents | DEV-450 Course Outline | DEV-450 exam Syllabus | DEV-450 exam Objectives


ABOUT THE EXAM

The Salesforce Certified Platform Developer I exam has the following characteristics:

 Content: 60 multiple-choice/multiple-select questions

 Time allotted to complete the exam: 110 minutes

 Passing Score: 65%



The Salesforce Certified Platform Developer I exam is intended for an individual who has
experience developing and deploying basic business logic and user interfaces using the
programmatic capabilities of the Lightning Platform, including practical application of the
skills and concepts noted in the exam objectives below.

The Salesforce Certified Platform Developer I generally has one to two years of experience as
a developer and at least six months of experience on the Lightning Platform.
The Salesforce Certified Platform Developer I candidate has the experience, skills, and
knowledge outlined below:

 Can use the fundamental programmatic capabilities of the Lightning Platform to
develop custom interfaces to extend Salesforce capabilities and develop custom
business logic.

 Can extend the Lightning Platform using Apex and Visualforce, and understands
Lightning Components.

 Is familiar with, and able to leverage relevant declarative capabilities of the platform,
where appropriate.

 Knows when to use declarative vs. programmatic methods.

 Is familiar with the development lifecycle from development to testing, and has
knowledge of the available environments.

 Is familiar with the Salesforce Mobile app capabilities and the basics of the Lightning
framework.

 Knows when to use the Lightning Process Builder vs. an Apex trigger.

 Has experience with object-oriented languages such as Java, JavaScript, C#, Ruby,
and .NET.

 Has experience with data-driven applications and relational databases.

 Has experience with Model View Controller (MVC) architecture and componentbased architecture.

 Has invested time in studying the resources listed in this exam guide and the
additional required study materials provided by Salesforce.



EXAM OUTLINE

The Salesforce Certified Platform Developer I exam measures a candidates knowledge and
skills related to the following objectives. A candidate should have hands-on experience
developing custom applications on the Lightning Platform and have demonstrated the
application of each of the features/functions below.



SALESFORCE FUNDAMENTALS

 Describe the considerations when developing in a multi-tenant environment.

 Describe how the Salesforce platform features map to the MVC pattern.

 Describe the capabilities of the core CRM objects in the Salesforce schema.

 Identify the common scenarios for extending an application's capabilities using
the AppExchange.

 Identify common use cases for declarative customization of the Lightning
Platform, and customization and features of the Heroku platform.



DATA MODELING AND MANAGEMENT

 Given a set of requirements, determine the appropriate data model.

 Describe the capabilities of the various relationship types and the implications
of each on record access, user interface (UI), and object-oriented
programming.

 Describe the impact of schema design and modifications on Apex
Development.

 Describe how to visualize and create entity relationships.

 Describe the options for and considerations when importing and exporting
data into development environments.



LOGIC AND PROCESS AUTOMATION

 Describe how to programmatically access and utilize the object schema.

 Describe the capabilities and use cases for formula fields.

 Describe the capabilities and use cases for roll-up summary fields.

 Describe the capabilities of the declarative process automation features.

 Describe when to use declarative automation features vs. Apex classes and
triggers.

 Describe how to declare variables and constants in Apex and how to assign
values using expressions.

 Describe the primitive and complex Apex data types and when to use them.

 Describe how to use and apply Apex control flow statements.

 Describe how to write and when to use Apex classes and interfaces.

 Describe how to use basic SOSL, SOQL, and DML statements when working
with objects in Apex.

 Describe the basic patterns used in triggers and classes to process data
efficiently.

 Describe when to use and how to write triggers.

 Describe the implications of governor limits on Apex transactions.

 Describe the relationship between Apex transactions, the save order of
execution, and the potential for recursion and/or cascading.

 Describe how to implement exception handling in Apex.

 Describe how to write Visualforce controllers.

 Describe when and how to use standard Visualforce controllers vs. Apex
custom controllers and controller extensions.

 Describe the programmatic techniques to prevent security vulnerabilities in
Apex and Visualforce.

 Describe how Apex impacts the ability to make declarative changes.



USER INTERFACE

 Describe how to display Salesforce data using a Visualforce page.

 Describe the types of web content that can be incorporated into Visualforce
pages.

 Describe how to incorporate Visualforce pages into Lightning Platform
applications.

 Describe the benefits of the Lightning Component framework.

 Describe the resources that can be contained in a Lightning Component.



TESTING

 Describe the testing framework and requirements for deployment.

 Describe how to write unit tests for triggers, controllers, and classes.

 Describe when and how to use various sources of test data.

 Describe how to execute one or multiple test classes.

 Describe the differences between invoking Apex in execute anonymous vs. unit
tests.



DEBUG AND DEPLOYMENT TOOLS

 Describe how to monitor and access various types of debug logs.

 Describe the capabilities and security implications of the Developer Console,
Workbench, and Force.com IDE.

 Describe the different processes for deploying metadata and business data.

 Describe how the different environments are used in the development and
deployment process.



Killexams Review | Reputation | Testimonials | Feedback


Take Advantage of DEV-450 braindumps, Use these questions to ensure your success.
I initially did not receive the braindumps material for my DEV-450 exam simulator and had some file errors. However, these issues were resolved later on. I decided to use the exam simulator and it turned out to be helpful.


Surprised to see DEV-450 genuine test questions!
I was searching for the best dump to prepare for my DEV-450 exam, and killexams.com exceeded my expectations. Their brain dumps material included all the essential topics, and I was pleased to find that it was not overwhelming. I am thrilled to have found killexams.com and used their material for my training.


I need LaACTUAL EXAM QUESTIONS of DEV-450 exam.
After passing the DEV-450 exam, I can confidently recommend killexams.com to anyone considering buying their materials. This is a valid and reliable instruction device that's perfect for people who can't afford full-time courses. The questions are actual, and the exam simulator accurately simulates the exam, making it easier to prepare and perform well.


Worked difficult on DEV-450 books, however the entire component have become on this test manual.
I have relied on killexams.com for several vendor exams, and I have yet to fail one. Their preparation material is top-notch and highly reliable. I recently achieved a score of 89.1% on the DEV-450 exam thanks to their excellent study dump. I am grateful to the killexams.com team for their hard work and dedication to helping students prepare for challenging exams.


Where can I find DEV-450 exam study help on internet?
After trying several books for exam DEV-450, I was disappointed with the materials. I needed a well-organized guideline with easy-to-understand content. Killexams.com's Q&A exceeded my expectations and helped me score 89% on the real exam. Thank you, Killexams.com, for your excellent guidance!


Salesforce Developer exam Questions

 

SLU Mental Status Exam

Social services, reflections/passages program coordinators, licensed nurses, physicians, nurse practitioners, occupational therapists, physical therapists, residence supervisors and other qualified health care professionals who have been trained (and retrained annually) by viewing VA-produced video available online.


Commvault announces Metallic: Salesforce Backup, Recovery & Sandbox Seeding – Unlimited Storage on Salesforce AppExchange

Metallic: Salesforce Backup, Recovery & Sandbox Seeding – Unlimited Storage is currently available on AppExchange.

Metallic: Salesforce Backup, Recovery & Sandbox Seeding – Unlimited Storage is currently available on AppExchange.

Commvault (NASDAQ: CVLT) today announced it has launched Metallic: Salesforce Backup, Recovery & Sandbox Seeding – Unlimited Storage on Salesforce AppExchange, providing customers with dedicated protection for their Salesforce cloud data, expanding on native capabilities to offer extended retention, data isolation, sandbox masking and seeding, rapid recovery tools and more. Metallic: Salesforce Backup, Recovery & Sandbox Seeding – Unlimited Storage offers broad-ranging coverage across Salesforce Sales Cloud, Financial Services Cloud, Service Cloud and Health Cloud to help safeguard data from deletion, corruption and ransomware attacks.

Metallic: Salesforce Backup, Recovery & Sandbox Seeding – Unlimited Storage is currently available on AppExchange at https://appexchange.salesforce.com/appxListingDetail?listingId=a0N4V00000HDcS6UAL&tab=e

Metallic: Salesforce Backup, Recovery & Sandbox Seeding – Unlimited Storage

With a multi-layered security approach, Metallic: Salesforce Backup, Recovery & Sandbox Seeding – Unlimited Storage provides enterprise-grade protection, including robust security standards and built-in zero-trust access controls for production and sandbox environments. In addition, it features ease of management with a single pane of glass approach, enabling businesses to comprehensively protect their Salesforce data alongside their other critical workloads.

“Availability on AppExchange leverages Salesforce’s central marketplace to create a fast and direct method for Salesforce developers and admins to access solutions that secure, protect and defend their environments in the face of cyber threats,” said Param Kumarasamy, Vice-President of Product Management, Commvault. “Our solution provides the critical tools that protect these environments, as well as a wide breadth of workloads, helping customers reduce downtime and rapidly recover from attack while leveraging advanced, hardened and proactive security controls.”

“Salesforce plays a critical role in their day-to-day operations and the potential of losing that data was too high a risk for us. They needed a solution that went beyond the standard data management package to take us to the next level of protection,” said Jason Kehl, Senior Vice-President of Engineering & Data Science, Vectra. “This app was the answer. With a single platform design that makes it seamless to manage not only their Salesforce data, but all workloads across their infrastructure, as well as the highest level of security offered by any cloud-based data management solution, they can rest assured that their data is in good hands. The addition of Metallic on AppExchange means that Salesforce has thoroughly tested and approved the solution, providing another layer of confidence.”

“Metallic: Salesforce Backup, Recovery & Sandbox Seeding – Unlimited Storage is a welcome addition to AppExchange, as it accelerates business transformation for customers by delivering hardened security, robust coverage and comprehensive control, all through a single, simplistic platform in a data protection as a service environment,” said David Lee, Vice-President of Product Management, AppExchange. “AppExchange is constantly evolving to connect customers with the right apps and experts for their business needs.”

Metallic: Salesforce Backup, Recovery & Sandbox Seeding – Unlimited Storage enables customers to learn more about this solution, watch demo videos, obtain product-specific resources, read reviews, register for a free 30-day trial and more. Users can also request additional information on Metallic solutions.


 




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 real qeustions 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?
Absolutely yes, Killexams is 100 % legit and fully reliable. There are several options that makes killexams.com unique and reliable. It provides knowledgeable and 100 % valid real qeustions made up of real exams questions and answers. Price is really low as compared to most of the services online. The Q&A are up-to-date on typical basis utilizing most accurate brain dumps. Killexams account build up and supplement delivery is rather fast. Record downloading is actually unlimited and incredibly fast. Service is avaiable via Livechat and Electronic mail. These are the features that makes killexams.com a robust website which provide real qeustions with real exams questions.



Is killexams.com test material dependable?
There are several Q&A provider in the market claiming that they provide genuine 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 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 exam Q&A with the same frequency as they are updated in Real Test. real qeustions provided by killexams.com are Reliable, Up-to-date and validated by Certified Professionals. They maintain dumps questions 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 Topics of new syllabus, They recommend to obtain PDF exam Questions from killexams.com and get ready for genuine exam. When you feel that you should register for Premium Version, Just choose visit killexams.com and register, you will receive your Username/Password in your Email within 5 to 10 minutes. All the future updates and changes in Q&A will be provided in your obtain Account. You can obtain Premium real qeustions files as many times as you want, There is no limit.

Killexams.com has provided VCE practice 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 genuine Test. Go register for Test in Exam Center and Enjoy your Success.




AZ-500 Free exam PDF | GP-MCQS PDF obtain | ASVAB-Automotive-and-Shop certification demo | Servicenow-PR000370 Test Prep | OG0-092 exam questions | NSE4_FGT-7.0 pass marks | AD0-E121 braindumps | ACP-01301 online exam | ASTQB-CMT exam prep | CFSW free online test | USMLE braindumps | SAP-C02 exam tips | NCSE-Level-1 practice exam | WorkKeys cheat sheet pdf | CPHQ test demo | CTFL_001 actual questions | ACA-CloudNative mock questions | CCCP-001 free pdf | MS-101 genuine Questions | EADA10 dumps |


DEV-450 - Salesforce Certified Platform Developer I exam contents
DEV-450 - Salesforce Certified Platform Developer I Dumps
DEV-450 - Salesforce Certified Platform Developer I questions
DEV-450 - Salesforce Certified Platform Developer I Cheatsheet
DEV-450 - Salesforce Certified Platform Developer I Dumps
DEV-450 - Salesforce Certified Platform Developer I PDF Dumps
DEV-450 - Salesforce Certified Platform Developer I Free PDF
DEV-450 - Salesforce Certified Platform Developer I exam Cram
DEV-450 - Salesforce Certified Platform Developer I guide
DEV-450 - Salesforce Certified Platform Developer I PDF Download
DEV-450 - Salesforce Certified Platform Developer I learning
DEV-450 - Salesforce Certified Platform Developer I Cheatsheet
DEV-450 - Salesforce Certified Platform Developer I information hunger
DEV-450 - Salesforce Certified Platform Developer I Practice Questions
DEV-450 - Salesforce Certified Platform Developer I Free exam PDF
DEV-450 - Salesforce Certified Platform Developer I Test Prep
DEV-450 - Salesforce Certified Platform Developer I course outline
DEV-450 - Salesforce Certified Platform Developer I boot camp
DEV-450 - Salesforce Certified Platform Developer I outline
DEV-450 - Salesforce Certified Platform Developer I Test Prep
DEV-450 - Salesforce Certified Platform Developer I book
DEV-450 - Salesforce Certified Platform Developer I exam Questions
DEV-450 - Salesforce Certified Platform Developer I PDF Braindumps
DEV-450 - Salesforce Certified Platform Developer I book
DEV-450 - Salesforce Certified Platform Developer I teaching
DEV-450 - Salesforce Certified Platform Developer I techniques
DEV-450 - Salesforce Certified Platform Developer I genuine Questions
DEV-450 - Salesforce Certified Platform Developer I Dumps
DEV-450 - Salesforce Certified Platform Developer I exam contents
DEV-450 - Salesforce Certified Platform Developer I test
DEV-450 - Salesforce Certified Platform Developer I guide
DEV-450 - Salesforce Certified Platform Developer I questions
DEV-450 - Salesforce Certified Platform Developer I study help
DEV-450 - Salesforce Certified Platform Developer I certification
DEV-450 - Salesforce Certified Platform Developer I questions
DEV-450 - Salesforce Certified Platform Developer I exam
DEV-450 - Salesforce Certified Platform Developer I Free exam PDF
DEV-450 - Salesforce Certified Platform Developer I study help
DEV-450 - Salesforce Certified Platform Developer I dumps
DEV-450 - Salesforce Certified Platform Developer I exam Questions
DEV-450 - Salesforce Certified Platform Developer I study help
DEV-450 - Salesforce Certified Platform Developer I questions
DEV-450 - Salesforce Certified Platform Developer I Dumps
DEV-450 - Salesforce Certified Platform Developer I information hunger

Other Salesforce exam Dumps


Salesforce-B2B-Solution-Architect Test Prep | Javascript-Developer-I practice questions | Salesforce-Marketing-Cloud-Developer practice test | Salesforce-Certified-Identity-and-Access-Management-Designer PDF Download | Pardot-Consultant examcollection | Salesforce-B2B-Commerce-Administrator PDF Dumps | ADX-271 practice questions | ADM-261 study guide | Integration-Architecture-Designer real questions | PDII demo questions | CHAD exam Braindumps | PDI braindumps | Salesforce-CDP PDF Questions | Salesforce-Certified-B2C-Commerce-Developer practice exam | PDX-101 real questions | CPQ-211 cbt | Nonprofit-Cloud-Consultant practice test | ADM-211 Practice Questions | Salesforce-Certified-Education-Cloud-Consultant test sample | Industries-CPQ-Developer Cheatsheet |


Best real qeustions You Ever Experienced


PR000007 examcollection | 8010 pass marks | ICDL-WINDOWS free pdf | CPIM braindumps | 3V0-42.20 dumps questions | 350-401 Cheatsheet | JN0-1362 practice exam | 500-901 Practice Test | 090-160 practice test | FN0-240 online exam | MD-100 bootcamp | COF-R02 Question Bank | ESPA-EST exam papers | 050-ENVCSE01 exam prep | MOVF dump | Salesforce-CDP brain dumps | H31-211 prep questions | ADM-261 exam dumps | DP-203 cbt | 1Y0-204 exam Questions |





References :


https://killexams-posting.dropmark.com/817438/23288951
https://www.instapaper.com/read/1319468403
https://killexams-posting.dropmark.com/817438/23792893
https://arfansaleemfan.blogspot.com/2020/09/dev-450-salesforce-certified-platform.html
https://www.coursehero.com/file/70402705/Salesforce-Certified-Platform-Developer-I-SU18-CRT-450-DEV-450pdf/
http://feeds.feedburner.com/SalesforceDev-450DumpsAndPracticeTestsWithRealQuestion
https://youtu.be/rw8O7gO5KIo
http://killexamsdump.blogdigy.com/dev-450-salesforce-certified-platform-developer-i-su18-crt-450-dumps-with-real-questions-by-killexams-com-11374963
https://files.fm/f/9ncmcxzvj



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






Direct Download

DEV-450 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.

DEV-450 Reviews

100% Valid and Up to Date DEV-450 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