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.

2025 Updated Actual DEV-450 questions as experienced in Test Center

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

Salesforce DEV-450 : Salesforce Certified Platform Developer I Practice Tests

Practice Tests Organized by Martha nods



Latest 2025 Updated Salesforce Salesforce Certified Platform Developer I Syllabus
DEV-450 examcollection with Premium PDF and Test Engine

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




DEV-450 examcollection : Download 100% Free DEV-450 practice questions (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

Do not miss DEV-450 certification practice ex with Exam Cram
If you are searching for a dependable, up-to-date, and cutting-edge DEV-450 boot camp database to prepare for the Salesforce Certified Platform Developer I exam, killexams.com is your ultimate solution. They provide a comprehensive collection of DEV-450 boot camp sourced directly from real exams, ensuring you have the exact material needed to pass the DEV-450 exam confidently on your first try. By thoroughly studying their DEV-450 Questions and Answers, you will gain the knowledge and skills required to excel in the DEV-450 exam.

If you urgently need to pass the Salesforce DEV-450 exam to secure a job or advance in your organization, registering at killexams.com is essential. Countless professionals rely on killexams.com for authentic DEV-450 exam questions, ensuring success in the Salesforce Certified Platform Developer I exam. Access updated DEV-450 exam questions with every login to your account. While some organizations provide DEV-450 Cram Guide, securing a valid and current 2025 DEV-450 Practice Test is critical. Reconsider depending solely on free practice questions online, as they may lead to exam failure. Instead, invest a small fee in killexams.com’s genuine DEV-450 questions to avoid the high cost of failing the exam.

Passing the Salesforce Certified Platform Developer I exam is straightforward with a clear understanding of the DEV-450 syllabus and a 2025 updated question bank. Studying and practicing with authentic questions is the most efficient path to rapid success. To master the challenging questions in the genuine DEV-450 exam, visit killexams.com and get free DEV-450 Practice Test sample questions for review. If confident in retaining these DEV-450 questions, register to access the full Practice Test of DEV-450 Mock Exam. This pivotal step will drive your success. Install the VCE exam Simulator, available as an Online Test Engine or Desktop Test Engine, on your PC. Study and memorize DEV-450 Mock Exam, and practice frequently with the simulator. Once you have mastered the Salesforce Certified Platform Developer I exam question bank, head to the Exam Center and register for the genuine exam with confidence.







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


Get high scores in the DEV-450 exam with little time for study.
Despite a setback in one assignment, killexams.com’s testprep exam simulator helped me excel in my second DEV-450 task. Their excellent resources ensured quick recovery, and I am thankful for their support in advancing my certification goals.


The DEV-450 examcollection works!
Passing the DEV-450 exams became effortless for me, thanks to the incredibly useful website that provided me with thorough explanations for all the questions. I found the Questions and Answers from killexams.com to be very helpful in my preparation for the exam. When the exam was less than a week away, I was worried about my preparation and planned to retake the exam if I got less than 80% marks. However, after following a friend’s advice, I purchased the Questions and Answers from killexams.com, which helped me prepare through well-composed material, and I passed with flying colors, scoring 90%.


Here are real DEV-450 exam questions and answers!
After failing the DEV-450 exam once, I realized I needed better resources to maintain my job. Killexams.com’s affordable testprep samples were a game-changer, helping me pass with a 98% score. I am thankful for their exceptional support and would gladly provide a testimonial.


I worked hard on DEV-450 books, but everything was in the Questions and Answers.
To advance my career as a security expert, I pursued DEV-450 certification with Killexams.com’s help. Their exam cram simplified my preparation, making it easy to achieve my records safety goals and pass the exam on my first attempt.


Unbelievable performance with the updated DEV-450 examcollection and study guide.
I finally achieved my DEV-450 Certification thanks to Killexams.com’s practice tests. Despite failing previously, their materials gave me the edge I needed to pass with a strong score. Initially skeptical about some questions, I later realized their approach was perfect for my preparation.


Salesforce Salesforce exam Questions

DEV-450 Exam

User: Jacob*****

Thorough guide and exam simulator were crucial for my dev-450 exam success, helping me score 78% on my first attempt. The well-structured questions and answers, combined with the simulator, prepared me for the exam’s challenges. I am grateful for their effective resources and recommend them to all dev-450 candidates.
User: Colleen*****

My brother made me sad when he told me that I was not going to take the salesforce certified platform developer i exam. But, when I looked out of the window, I saw such a variety of unique individuals who wanted to be visible and heard, and I can tell you that they college students can get this hobby at the same time as they pass their salesforce certified platform developer i exam. I can help you to understand how I passed my salesforce certified platform developer i exam. It was great when I received my test questions from Killexams.com, which gave me hope in my eyes collectively all the time.
User: Prisha*****

Killexams.com helped me correct my mistakes and regain my parents’ trust. Passing the DEV-450 exam was crucial for me, and their guidance made this achievement possible. I could not have done it without their support.
User: William*****

Choosing Killexams.com for my DEV-450 exam preparation was a fantastic decision. The high-quality testprep materials enabled me to achieve a remarkable 92% score. The simplified format and clear explanations helped me grasp key concepts quickly, and I am grateful for their role in advancing my career to new heights.
User: Praskovy*****

Thanks to Killexams.com, I was confident I would score 93% on the dev-450 exam—and I did. Their guide mirrored the genuine test, making my last-minute preparation effective.

DEV-450 Exam

Question: Can I get DEV-450 cheatsheet from killexams?
Answer: Cheatsheet is another name of practice exam or test prep or genuine questions and answers. These are Questions and Answers taken from genuine sources or students passing the exam. Complete database of Questions and Answers are called examcollection or cheatsheet. Visit and register to get the complete examcollection of DEV-450 exam test prep. These DEV-450 exam questions are taken from genuine exam sources, that's why these DEV-450 exam questions are sufficient to read and pass the exam. Although you can use other sources also for improvement of knowledge like textbooks and other aid material these DEV-450 questions are enough to pass the exam.
Question: Does killexams provide accurate answers?
Answer: Yes, the killexams team gets the answers Checked by experts and keeps on improving the practice test.
Question: Are these DEV-450 dumps sufficient to pass the exam?
Answer: Yes, DEV-450 questions provided by killexams.com are sufficient to pass the exam on the first attempt. Visit killexams.com and register to get the complete examcollection of DEV-450 exam test prep. These DEV-450 exam questions are taken from genuine exam sources, that's why these DEV-450 exam questions are sufficient to read and pass the exam. Although you can use other sources also for improvement of knowledge like textbooks and other aid material these DEV-450 questions are sufficient to pass the exam. If you have time to study, you can prepare for the exam in very little time. They recommend taking enough time to study and practice DEV-450 practice exam that you are sure that you can answer all the questions that will be asked in the genuine DEV-450 exam.
Question: How much DEV-450 exam and prep guide cost?
Answer: Killexams provide the cheapest hence up-to-date DEV-450 examcollection that will greatly help you pass the exam. You can see the cost at https://killexams.com/exam-price-comparison/DEV-450 You can also use a discount coupon to further reduce the cost. Visit the website for the latest discount coupons.
Question: I need to make some changes in the genuine questions, How can I do it?
Answer: You can change your practice exam files if you like. Sometimes, you find some typo or an incorrect answer and want to fix it before you print. You can convert your PDF exam file to Word to be able to make changes in your practice exam file. Later you can save it as a PDF again. You can also print the new document as you need.
Salesforce+Salesforce+Exam+Questions
https://www.pass4surez.com/art/read.php?keyword=Salesforce+Salesforce+Exam+Questions&lang=us&links=remove



Choosing the right certification practice exam provider can be challenging, as candidates often encounter unreliable services that compromise their preparation. At Killexams.com, they are committed to delivering top-quality practice tests, ensuring their materials are regularly updated and rigorously validated for accuracy. Their customers’ success is a testament to their dedication, with countless candidates passing their certification exams confidently and efficiently thanks to their resources. They take pride in maintaining an impeccable reputation, built on trust, quality, and customer satisfaction. Unlike some providers, they never compromise on the integrity of their review process or the reliability of their practice tests. Be cautious of misleading reports or scam allegations from competitors, which are often designed to undermine trusted services like ours. At Killexams.com, they back their offerings with authentic customer reviews and proven results. Explore their sample practice questions, PDF resources, and advanced VCE exam simulator to experience why Killexams.com is the preferred choice for certification preparation. Your success is their priority, and we’re here to help you achieve it with confidence.

Which is the best practice questions website?
Absolutely yes, Killexams is completely legit in addition to fully efficient. There are several includes that makes killexams.com real and authentic. It provides recent and completely valid exam questions filled with real exams questions and answers. Price is nominal as compared to a lot of the services on internet. The Questions and Answers are kept up to date on regular basis having most recent questions. Killexams account build up and product or service delivery can be quite fast. Data file downloading is normally unlimited and intensely fast. Guidance is avaiable via Livechat and Message. These are the features that makes killexams.com a robust website which provide exam prep with real exams questions.



Is killexams.com test material dependable?
There are several Questions and Answers provider in the market claiming that they provide genuine 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 2025 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 Questions and Answers with the same frequency as they are updated in Real Test. 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 exam Fast with improvement in your knowledge about latest course contents and syllabus of new syllabus, They recommend to get 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 Questions and Answers will be provided in your get Account. You can get Premium practice exam 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.




GE0-803 assessment test sample | 46150T exam Questions | CBIC-CIC test sample | ACMA-6.4 study help | BL0-200 free pdf | ISEB-BA1 mock test | 5V0-41.21 study guide | C90.02 prep questions | 920-338 online exam | FN0-125 mock exam | EX0-115 practice exam | AZ-220 study guide | 312-96 exam Cram | DAT exam prep | AZ-140 practice exam | ACP-Sec1 practice exam | CPSM-Exam-3 test example | CPA-REG Free exam PDF | PNCB-PMHS PDF Questions | MCD-Level-2 VCE |


DEV-450 - Salesforce Certified Platform Developer I test
DEV-450 - Salesforce Certified Platform Developer I Questions and Answers
DEV-450 - Salesforce Certified Platform Developer I exam syllabus
DEV-450 - Salesforce Certified Platform Developer I information hunger
DEV-450 - Salesforce Certified Platform Developer I Practice Test
DEV-450 - Salesforce Certified Platform Developer I Free exam PDF
DEV-450 - Salesforce Certified Platform Developer I Premium PDF
DEV-450 - Salesforce Certified Platform Developer I syllabus
DEV-450 - Salesforce Certified Platform Developer I PDF Download
DEV-450 - Salesforce Certified Platform Developer I answers
DEV-450 - Salesforce Certified Platform Developer I exam Questions
DEV-450 - Salesforce Certified Platform Developer I exam syllabus
DEV-450 - Salesforce Certified Platform Developer I test prep
DEV-450 - Salesforce Certified Platform Developer I Study Guide
DEV-450 - Salesforce Certified Platform Developer I testing
DEV-450 - Salesforce Certified Platform Developer I exam questions
DEV-450 - Salesforce Certified Platform Developer I exam Cram
DEV-450 - Salesforce Certified Platform Developer I exam help
DEV-450 - Salesforce Certified Platform Developer I PDF questions
DEV-450 - Salesforce Certified Platform Developer I answers
DEV-450 - Salesforce Certified Platform Developer I Free PDF
DEV-450 - Salesforce Certified Platform Developer I information search
DEV-450 - Salesforce Certified Platform Developer I exam syllabus
DEV-450 - Salesforce Certified Platform Developer I exam Questions
DEV-450 - Salesforce Certified Platform Developer I premium pdf
DEV-450 - Salesforce Certified Platform Developer I Free PDF
DEV-450 - Salesforce Certified Platform Developer I teaching
DEV-450 - Salesforce Certified Platform Developer I exam success
DEV-450 - Salesforce Certified Platform Developer I Study Guide
DEV-450 - Salesforce Certified Platform Developer I test
DEV-450 - Salesforce Certified Platform Developer I exam format
DEV-450 - Salesforce Certified Platform Developer I learning
DEV-450 - Salesforce Certified Platform Developer I practice tests
DEV-450 - Salesforce Certified Platform Developer I real questions
DEV-450 - Salesforce Certified Platform Developer I tricks
DEV-450 - Salesforce Certified Platform Developer I book
DEV-450 - Salesforce Certified Platform Developer I exam Cram
DEV-450 - Salesforce Certified Platform Developer I Premium PDF
DEV-450 - Salesforce Certified Platform Developer I exam contents
DEV-450 - Salesforce Certified Platform Developer I PDF questions
DEV-450 - Salesforce Certified Platform Developer I book
DEV-450 - Salesforce Certified Platform Developer I Free PDF
DEV-450 - Salesforce Certified Platform Developer I exam syllabus
DEV-450 - Salesforce Certified Platform Developer I exam contents

Other Salesforce Practice Tests


Salesforce-B2B-Commerce-Administrator pass exam | Salesforce-Maps-Accredited-Professional exam test | CRT-450 PDF Download | Platform-App-Builder free prep | Certified-Development-Lifecycle-and-Deployment-Designer exam results | Marketing-Cloud-Consultant free pdf download | Javascript-Developer-I Free exam PDF | FSLCC mock test | Salesforce-Public-Sector-Solutions-Accredited-Professional free questions | ADM-261 Latest Topics | CHAD writing test questions | Nonprofit-Cloud-Consultant Practice Questions | ADX-271 bootcamp | CPQ-201 certification sample | Salesforce-Advanced-Cross-Channel exam questions | CRT-271 online exam | Salesforce-Certified-B2C-Commerce-Developer questions download | Salesforce-Experience-Cloud-Consultant study help | DEV-401 practice test | Salesforce-Certified-Advanced-Administrator exam papers |


Best practice questions You Ever Experienced


44202T practice test | C1000-161 exam cram | CHA study guide | HPE0-S58 Practice Test | 4A0-105 past exams | S2000-012 practice exam | C2010-068 practice questions | ICDL-ACCESS test prep | Salesforce-Security-Privacy-Accredited-Professional test prep | API-580 exam prep | NS0-516 exam papers | 102-500 free prep | PCAP-31-03 exam questions | CNAMB Free exam PDF | AGCNS-BC exam cram | GLO_CWM_LEVEL_I assessment test sample | 9L0-827 sample questions | 1T6-222 cram | S90.20A english test questions | H13-711_V3.0-ENU mock test |





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 Practice Tests
Pass4Sure Certification Question Bank






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