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 Google-ACE?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der Google-ACE: Google Associate Cloud Engineer - 2024 Prüfung.

2024 Updated Actual Google-ACE questions as experienced in Test Center

Aktuelle Google-ACE Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz

Google-ACE Cheatsheet - Google Associate Cloud Engineer - 2024 | https://www.easyfinanz.cc/

Google Google-ACE : Google Associate Cloud Engineer - 2024 ACTUAL EXAM QUESTIONS

Exam Dumps Organized by Lee



Latest 2024 Updated Google Google Associate Cloud Engineer - 2024 Syllabus
Google-ACE ACTUAL EXAM QUESTIONS / Braindumps contains real test Questions

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




Google-ACE Test Center Questions : Download 100% Free Google-ACE ACTUAL EXAM QUESTIONS (PDF and VCE)

Exam Number : Google-ACE
Exam Name : Google Associate Cloud Engineer - 2024
Vendor Name : Google
Update : Click Here to Check Latest Update
Question Bank : Check Questions

Download Google-ACE Questions and Answers and practice with Real test Questions
Our Google Google-ACE boot camp with PDF Braindumps are precise of the genuine Google-ACE test. A total pool of Google-ACE Dumps is maintained in a database of questions. They add and update new Questions and Answers on a regular basis to retain the most current content for contenders.

There are many providers of Exam Questions on the internet, but most of them sell outdated dumps and content. To find a dependable and reputable Google-ACE Cheatsheet provider, you can either search on your own or save time and trust killexams.com. However, keep in mind that your research should not end up wasting your time and money. They suggest going directly to killexams.com and downloading 100% free Google-ACE Exam Cram to evaluate the demo questions. If you are satisfied, register and get a 3-month account to download the latest and valid Google-ACE PDF Dumps with real test questions and answers. Don't miss out on the great discount coupons and promotions. You should also get the Google-ACE VCE test simulator for practice.

You can copy Google-ACE real questions PDF to any smartphone or PC to read and memorize the real Google-ACE questions while you are away from home, on vacation, or traveling. This will save you time and supply you more time to study Google-ACE questions. Practice Google-ACE real questions with the VCE test simulator repeatedly until you score 100%. When you feel confident, go straight to the Test Center for the real Google-ACE exam.

If you are waiting for the latest and 2024-updated ACTUAL EXAM QUESTIONS to pass the Google Google-ACE test and get a highly paid job, just download the latest real Google-ACE questions for 2024 by registering at killexams.com with special discount coupons. Several specialists are working to collect real Google-ACE test questions at killexams.com. You will get Google Associate Cloud Engineer - 2024 test questions to make sure you pass the Google-ACE exam. You will be able to download updated Google-ACE test questions every time with a 100% refund guarantee. Some companies offer Google-ACE Cheatsheet, but the major issue in this case is the legitimacy and the latest 2024-updated Google-ACE PDF Dumps. Think again before relying on free dumps provided on the internet.







Google-ACE test Format | Google-ACE Course Contents | Google-ACE Course Outline | Google-ACE test Syllabus | Google-ACE test Objectives


Length: Two hours

Languages: English, Japanese, Spanish, Indonesian.

Exam format: Multiple choice and multiple select, taken in person at a test center. Locate a Test Center near you.

Prerequisites: None

Recommended experience: 6 months+ hands-on experience with Google Cloud



An Associate Cloud Engineer deploys applications, monitors operations, and manages enterprise solutions. This individual is able to use Google Cloud Console and the command-line interface to perform common platform-based tasks to maintain one or more deployed solutions that leverage Google-managed or self-managed services on Google Cloud.



The Associate Cloud Engineer test assesses your ability to:



Set up a cloud solution environment

Plan and configure a cloud solution

Deploy and implement a cloud solution

Ensure successful operation of a cloud solution

Configure access and security



Setting up a cloud solution environment

Setting up cloud projects and accounts. Activities include:



Creating projects

Assigning users to predefined IAM roles within a project

Managing users in Cloud Identity (manually and automated)

Enabling APIs within projects

Provisioning one or more Stackdriver workspaces



Managing billing configuration. Activities include:



Creating one or more billing accounts

Linking projects to a billing account

Establishing billing budgets and alerts

Setting up billing exports to estimate daily/monthly charges



Installing and configuring the command line interface (CLI), specifically the Cloud SDK (e.g., setting the default project).



Planning and configuring a cloud solution

Planning and estimating GCP product use using the Pricing Calculator

Planning and configuring compute resources. Considerations include:



Selecting appropriate compute choices for a given workload (e.g., Compute Engine, Google Kubernetes Engine, App Engine, Cloud Run, Cloud Functions)

Using preemptible VMs and custom machine types as appropriate



Planning and configuring data storage options. Considerations include:



Product choice (e.g., Cloud SQL, BigQuery, Cloud Spanner, Cloud Bigtable)

Choosing storage options (e.g., Standard, Nearline, Coldline, Archive)



Planning and configuring network resources. Tasks include:



Differentiating load balancing options

Identifying resource locations in a network for availability

Configuring Cloud DNS

Deploying and implementing a cloud solution

Deploying and implementing Compute Engine resources. Tasks include:



Launching a compute instance using Cloud Console and Cloud SDK (gcloud) (e.g., assign disks, availability policy, SSH keys)

Creating an autoscaled managed instance group using an instance template

Generating/uploading a custom SSH key for instances

Configuring a VM for Stackdriver monitoring and logging

Assessing compute quotas and requesting increases

Installing the Stackdriver Agent for monitoring and logging



Deploying and implementing Google Kubernetes Engine resources. Tasks include:



Deploying a Google Kubernetes Engine cluster

Deploying a container application to Google Kubernetes Engine using pods

Configuring Google Kubernetes Engine application monitoring and logging

Deploying and implementing App Engine, Cloud Run, and Cloud Functions resources. Tasks include, where applicable:



Deploying an application, updating scaling configuration, versions, and traffic splitting

Deploying an application that receives Google Cloud events (e.g., Cloud Pub/Sub events, Cloud Storage object change notification events)



Deploying and implementing data solutions. Tasks include:



Initializing data systems with products (e.g., Cloud SQL, Cloud Datastore, BigQuery, Cloud Spanner, Cloud Pub/Sub, Cloud Bigtable, Cloud Dataproc, Cloud Dataflow, Cloud Storage)

Loading data (e.g., command line upload, API transfer, import/export, load data from Cloud Storage, streaming data to Cloud Pub/Sub)



Deploying and implementing networking resources. Tasks include:



Creating a VPC with subnets (e.g., custom-mode VPC, shared VPC)

Launching a Compute Engine instance with custom network configuration (e.g., internal-only IP address, Google private access, static external and private IP address, network tags)

Creating ingress and egress firewall rules for a VPC (e.g., IP subnets, tags, service accounts)

Creating a VPN between a Google VPC and an external network using Cloud VPN

Creating a load balancer to distribute application network traffic to an application (e.g., Global HTTP(S) load balancer, Global SSL Proxy load balancer, Global TCP Proxy load balancer, regional network load balancer, regional internal load balancer)



Deploying a solution using Cloud Marketplace. Tasks include:



Browsing Cloud Marketplace catalog and viewing solution details

Deploying a Cloud Marketplace solution

Deploying application infrastructure using Cloud Deployment Manager. Tasks include:



Developing Deployment Manager templates

Launching a Deployment Manager template



Ensuring successful operation of a cloud solution

Managing Compute Engine resources. Tasks include:



Managing a single VM instance (e.g., start, stop, edit configuration, or delete an instance)

SSH/RDP to the instance

Attaching a GPU to a new instance and installing CUDA libraries

Viewing current running VM inventory (instance IDs, details)

Working with snapshots (e.g., create a snapshot from a VM, view snapshots, delete a snapshot)

Working with images (e.g., create an image from a VM or a snapshot, view images, delete an image)

Working with instance groups (e.g., set autoscaling parameters, assign instance template, create an instance template, remove instance group)

Working with management interfaces (e.g., Cloud Console, Cloud Shell, GCloud SDK)



Managing Google Kubernetes Engine resources. Tasks include:



Viewing current running cluster inventory (nodes, pods, services)

Browsing the container image repository and viewing container image details

Working with node pools (e.g., add, edit, or remove a node pool)

Working with pods (e.g., add, edit, or remove pods)

Working with services (e.g., add, edit, or remove a service)

Working with stateful applications (e.g. persistent volumes, stateful sets)

Working with management interfaces (e.g., Cloud Console, Cloud Shell, Cloud SDK)



Managing App Engine and Cloud Run resources. Tasks include:



Adjusting application traffic splitting parameters

Setting scaling parameters for autoscaling instances

Working with management interfaces (e.g., Cloud Console, Cloud Shell, Cloud SDK)



Managing storage and database solutions. Tasks include:



Moving objects between Cloud Storage buckets

Converting Cloud Storage buckets between storage classes

Setting object life cycle management policies for Cloud Storage buckets

Executing queries to retrieve data from data instances (e.g., Cloud SQL, BigQuery, Cloud Spanner, Cloud Datastore, Cloud Bigtable)

Estimating costs of a BigQuery query

Backing up and restoring data instances (e.g., Cloud SQL, Cloud Datastore)

Reviewing job status in Cloud Dataproc, Cloud Dataflow, or BigQuery

Working with management interfaces (e.g., Cloud Console, Cloud Shell, Cloud SDK)



Managing networking resources. Tasks include:



Adding a subnet to an existing VPC

Expanding a subnet to have more IP addresses

Reserving static external or internal IP addresses

Working with management interfaces (e.g., Cloud Console, Cloud Shell, Cloud SDK)



Monitoring and logging. Tasks include:



Creating Stackdriver alerts based on resource metrics

Creating Stackdriver custom metrics

Configuring log sinks to export logs to external systems (e.g., on-premises or BigQuery)

Viewing and filtering logs in Stackdriver

Viewing specific log message details in Stackdriver

Using cloud diagnostics to research an application issue (e.g., viewing Cloud Trace data, using Cloud Debug to view an application point-in-time)

Viewing Google Cloud Platform status

Working with management interfaces (e.g., Cloud Console, Cloud Shell, Cloud SDK)



Configuring access and security

Managing identity and access management (IAM). Tasks include:



Viewing IAM role assignments

Assigning IAM roles to accounts or Google Groups

Defining custom IAM roles



Managing service accounts. Tasks include:



Managing service accounts with limited privileges

Assigning a service account to VM instances

Granting access to a service account in another project



Viewing audit logs for project and managed services.



Killexams Review | Reputation | Testimonials | Feedback


Where can i am getting Google-ACE real test questions and answers?
The latest update to the Google-ACE braindump has impressed me. I was not expecting to find such new changes anywhere. Having just taken my first Google-ACE exam, I am now planning to order this updated material soon.


Surprised to see Google-ACE braindumps and study guide!
After trying various books, I was unsatisfied with the study material for the Google-ACE exam. But killexams.com Questions and Answers met all my expectations. The material was easy to understand, and I scored 89% in the real exam, which was beyond my expectations. Thanks to their excellent guide.


Pointers & hints to certify Google-ACE test with high scores.
It was a very encouraging experience with the killexams.com team. They encouraged me to attempt their Google-ACE test questions and forget about the fear of failing the exam. At first, I hesitated to apply their material because I was afraid of failing. But after hearing from my colleagues that they used the test simulator for their Google-ACE certification exam, I purchased the guidance package. It was reasonably-priced, and it turned out to be the first time that I was satisfied to use killexams.com education material. I got 100% marks in my Google-ACE exam, and I commend the killexams.com team.


Google-ACE test prep some distance easy with these dumps.
The material provided by killexams.com is remarkable, with valid questions and correct answers. Their expert test simulator contains essential facts that helped me pass the exam. I appreciate that they did not try to promote unnecessary products. I received exactly what I needed and passed the test with a nearly perfect score. Thanks to this experience, killexams.com has earned my trust for years to come.


Can I get dumps Questions & Answers of Google-ACE exam.
Killexams.com helped make passing the Google-ACE test possible for me, even with only 10 days to prepare. The subjects were presented well, and I was able to score a 959 on the exam. Thank you, Killexams, for giving me hope when I thought it was impossible.


Google Associate book

   




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

Which is the best dumps website?
Sure, Killexams is completely legit in addition to fully dependable. There are several benefits that makes killexams.com unique and genuine. It provides informed and completely valid ACTUAL EXAM QUESTIONS formulated with real exams questions and answers. Price is nominal as compared to the majority of the services online. The Questions and Answers are up-to-date on common basis with most latest brain dumps. Killexams account arrangement and supplement delivery is very fast. Report downloading is usually unlimited and very fast. Aid is avaiable via Livechat and Electronic mail. These are the characteristics that makes killexams.com a robust website which provide ACTUAL EXAM QUESTIONS with real exams questions.



Is killexams.com test material dependable?
There are several Questions and Answers provider in the market claiming that they provide real test Questions, Braindumps, Practice Tests, Study Guides, cheat sheet and many other names, but most of them are re-sellers that do not update their contents frequently. Killexams.com is best website of Year 2024 that understands the issue candidates face when they spend their time studying obsolete contents taken from free pdf download sites or reseller sites. Thats why killexams.com update test Questions and Answers with the same frequency as they are updated in Real Test. ACTUAL EXAM QUESTIONS provided by killexams.com are Reliable, Up-to-date and validated by Certified Professionals. They maintain dumps collection of valid Questions that is kept up-to-date by checking update on daily basis.

If you want to Pass your test Fast with improvement in your knowledge about latest course contents and subjects of new syllabus, They recommend to download PDF test Questions from killexams.com and get ready for real exam. When you feel that you should register for Premium Version, Just choose visit killexams.com and register, you will receive your Username/Password in your Email within 5 to 10 minutes. All the future updates and changes in Questions and Answers will be provided in your download Account. You can download Premium ACTUAL EXAM QUESTIONS files as many times as you want, There is no limit.

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




PC-CIC-Core Test Prep | Scrum-Master-Certified PDF download | FNP-BC Latest subjects | DTR Free test PDF | HIO-301 online test | DASM question test | C1000DEV free practice exams | PCSAE cram | C90.01 writing test questions | 4A0-116 cheat sheets | CDCA-ADEX bootcamp | 9L0-314 test questions | HPE0-S60 free pdf | HPE6-A78 test results | CPFO practice test | HPE2-K42 ACTUAL EXAM QUESTIONS | CSQA VCE test | ABV test questions | DEA-1TT5 questions answers | NSE4_FGT-7.2 braindumps |


Google-ACE - Google Associate Cloud Engineer - 2024 information source
Google-ACE - Google Associate Cloud Engineer - 2024 outline
Google-ACE - Google Associate Cloud Engineer - 2024 test
Google-ACE - Google Associate Cloud Engineer - 2024 real Questions
Google-ACE - Google Associate Cloud Engineer - 2024 techniques
Google-ACE - Google Associate Cloud Engineer - 2024 guide
Google-ACE - Google Associate Cloud Engineer - 2024 Latest Questions
Google-ACE - Google Associate Cloud Engineer - 2024 braindumps
Google-ACE - Google Associate Cloud Engineer - 2024 Practice Test
Google-ACE - Google Associate Cloud Engineer - 2024 test success
Google-ACE - Google Associate Cloud Engineer - 2024 Study Guide
Google-ACE - Google Associate Cloud Engineer - 2024 Question Bank
Google-ACE - Google Associate Cloud Engineer - 2024 test Questions
Google-ACE - Google Associate Cloud Engineer - 2024 test prep
Google-ACE - Google Associate Cloud Engineer - 2024 learn
Google-ACE - Google Associate Cloud Engineer - 2024 Free PDF
Google-ACE - Google Associate Cloud Engineer - 2024 Real test Questions
Google-ACE - Google Associate Cloud Engineer - 2024 answers
Google-ACE - Google Associate Cloud Engineer - 2024 PDF Braindumps
Google-ACE - Google Associate Cloud Engineer - 2024 test format
Google-ACE - Google Associate Cloud Engineer - 2024 learn
Google-ACE - Google Associate Cloud Engineer - 2024 information source
Google-ACE - Google Associate Cloud Engineer - 2024 Latest Topics
Google-ACE - Google Associate Cloud Engineer - 2024 Free test PDF
Google-ACE - Google Associate Cloud Engineer - 2024 test Questions
Google-ACE - Google Associate Cloud Engineer - 2024 test Braindumps
Google-ACE - Google Associate Cloud Engineer - 2024 education
Google-ACE - Google Associate Cloud Engineer - 2024 boot camp
Google-ACE - Google Associate Cloud Engineer - 2024 test Questions
Google-ACE - Google Associate Cloud Engineer - 2024 test syllabus
Google-ACE - Google Associate Cloud Engineer - 2024 Question Bank
Google-ACE - Google Associate Cloud Engineer - 2024 Latest Topics
Google-ACE - Google Associate Cloud Engineer - 2024 information search
Google-ACE - Google Associate Cloud Engineer - 2024 course outline
Google-ACE - Google Associate Cloud Engineer - 2024 Questions and Answers
Google-ACE - Google Associate Cloud Engineer - 2024 test Questions
Google-ACE - Google Associate Cloud Engineer - 2024 test contents
Google-ACE - Google Associate Cloud Engineer - 2024 real Questions
Google-ACE - Google Associate Cloud Engineer - 2024 test Questions
Google-ACE - Google Associate Cloud Engineer - 2024 answers
Google-ACE - Google Associate Cloud Engineer - 2024 Test Prep
Google-ACE - Google Associate Cloud Engineer - 2024 tricks
Google-ACE - Google Associate Cloud Engineer - 2024 education
Google-ACE - Google Associate Cloud Engineer - 2024 test

Other Google ACTUAL EXAM QUESTIONS


Adwords-Display dumps | Google-ACE free pdf | Adwords-Search study guide | Google-PCSE test prep | Adwords-fundamentals questions and answers | Google-AAD test exam | Google-ASA test test | Google-AVA braindumps | Cloud-Digital-Leader test Cram | Google-IQ test questions | Google-PDE real questions | Google-PCNE practice exam | Professional-Cloud-DevOps-Engineer braindumps | Google-PCDE test Questions | Google-PCE braindumps | Google-AMA Latest Topics | Google-PCD model question | Apigee-API-Engineer free pdf | Google-PCA practice questions | Adwords-Reporting examcollection |


Best ACTUAL EXAM QUESTIONS You Ever Experienced


CIPS-L4M7-Assets ACTUAL EXAM QUESTIONS | APD01 free prep | 3313 braindumps | CRFA practice questions | FN0-240 question test | OGEA-103 test Questions | GE0-806 free pdf | CDCP-001 practice questions | 010-111 test questions | PCDRA test Questions | MO-100 dumps | MA0-104 mock exam | ISEB-SWTINT1 Practice test | NSE7_PBC-7.2 PDF Questions | HPE6-A70 test Braindumps | CPFO pass marks | WSO2-CEID test papers | 78201X test sample | ITEC-Massage training material | AZ-400 Study Guide |





References :


https://killexams-posting.dropmark.com/817438/23668466
http://killexams-braindumps.blogspot.com/2020/07/google-google-ace-exam-dumps-of-real.html
https://killexams-posting.dropmark.com/817438/23768988
https://www.instapaper.com/read/1323094021
https://youtu.be/RX5okF1zoSw
https://files.fm/f/rzh6xkzby
https://sites.google.com/view/killexams-000-m80-real-exam-qu



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






Direct Download

Google-ACE 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.

Google-ACE Reviews

100% Valid and Up to Date Google-ACE 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