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.

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Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der Google-IQ: Google Analytics Individual Qualification (IQ) Prüfung.

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Exam Number : Google-IQ
Exam Name : Google Analytics Individual Qualification (IQ)
Vendor Name : Google
Update : Click Here to Check Latest Update
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Exam Detail:
The Google Analytics Individual Qualification (IQ) exam is designed to assess an individual's knowledge and proficiency in using Google Analytics, a web analytics tool provided by Google. Here are the exam details for the Google Analytics IQ exam:

- Number of Questions: The exam typically consists of multiple-choice questions. The exact number of questions may vary, but it is typically around 70 questions.

- Time Limit: The time allotted to complete the exam is 90 minutes (1 hour and 30 minutes).

Course Outline:
The Google Analytics IQ exam covers a wide range of subjects related to Google Analytics and its various features. The course outline typically includes the following domains:

1. Fundamentals of Google Analytics:
- Understanding the basics of web analytics and its importance.
- Navigating the Google Analytics interface.
- Configuring Google Analytics accounts and properties.
- Setting up goals and conversion tracking.

2. Implementation and Data Collection:
- Implementing Google Analytics tracking code on websites.
- Configuring tracking parameters and custom dimensions.
- Understanding data collection methods and data accuracy.

3. Data Analysis and Reporting:
- Analyzing website traffic and user behavior using Google Analytics reports.
- Creating custom reports and segments.
- Understanding attribution modeling and cross-device tracking.
- Utilizing advanced features like data import, custom funnels, and event tracking.

4. Goals and Ecommerce Tracking:
- Setting up and tracking goals for different types of conversions.
- Configuring ecommerce tracking for online stores.
- Analyzing ecommerce performance and revenue attribution.

5. Campaign Tracking and Tag Management:
- Implementing campaign tracking using URL parameters and UTM tags.
- Utilizing tag management systems like Google Tag Manager.
- Understanding cross-domain and cross-device tracking.

Exam Objectives:
The objectives of the Google Analytics IQ exam are as follows:

- Assessing candidates' understanding of web analytics principles and their application in Google Analytics.
- Evaluating candidates' proficiency in configuring and implementing Google Analytics tracking code.
- Testing candidates' ability to analyze and interpret data using Google Analytics reports and advanced features.
- Assessing candidates' knowledge of setting up goals, ecommerce tracking, and campaign tracking in Google Analytics.
- Evaluating candidates' understanding of tag management systems and their integration with Google Analytics.

Exam Syllabus:
The specific exam syllabus for the Google Analytics IQ exam covers the following topics:

1. Google Analytics Fundamentals:
- Introduction to web analytics and Google Analytics.
- Google Analytics account structure and navigation.
- Understanding basic metrics and dimensions.
- Setting up goals and ecommerce tracking.

2. Implementation and Data Collection:
- Installing and configuring the Google Analytics tracking code.
- Customizing tracking parameters and dimensions.
- Understanding data collection methods and data accuracy.

3. Data Analysis and Reporting:
- Analyzing standard reports and segments.
- Creating custom reports and advanced segments.
- Utilizing attribution modeling and cross-device tracking.
- Advanced features like data import and event tracking.

4. Goals and Ecommerce Tracking:
- Setting up and tracking goals for different types of conversions.
- Configuring ecommerce tracking for online stores.
- Analyzing ecommerce performance and revenue attribution.

5. Campaign Tracking and Tag Management:
- Implementing campaign tracking using URL parameters and UTM tags.
- Introduction to tag management systems and Google Tag Manager.
- Cross-domain and cross-device tracking.

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How to create a direct link to Google Sheets PDF link via Google Drive

You can generate Google Docs and Google Sheets PDF link to directly share PDF versions of these files with others. There’s no need to manually convert these files into PDF. Read the instructions below to share links to PDF versions of your Google files.

The ubiquity of PDF files and its ability to easily copy, paste, edit and send it as a PDF link is what makes it so popular. Not many people are aware of this hidden trick of sharing your Google Docs or Google Sheets as PDF versions readily. All you need to do to make this trick work is slightly modify the generated URLs. Here’s the trick.

  • Select the Google Doc or Google Sheet
  • Enter the email address of the recipient
  • Choose the permission level
  • Modify the URL
  • The Google Docs or Google Sheets-to-PDF conversion works best for files you would like to share just for viewing purposes rather than editing.

    ]]> 1] Select the Google Doc or Google Sheet

    Open Google Drive and choose the document you would like to share.

    Generate Google Sheets PDF link via Google Drive

    Hit the ‘Share’ button visible in the upper right-corner of the screen.


    Enter the name or email address of the person to whom you would like to send or share the document with.

    Choose the permission level (edit, comment, view) you want to grant.

    2] Modify the URL

    Click on ‘Copy Link’ in the share box. Paste the link in your email body.

    After you paste the link in your message body, simply replace the end part of the URL before sending it.

    Place the mouse cursor before the following text edit?usp=sharing and replace it with this new string of text export?format=pdf.


    Now, when the recipient receives the email and clicks on the link provided. The Google Sheet or Google Doc link you had sent will open as a PDF file.

    The benefits of using this trick is,

  • You can save email storage space and avoid attachment size limits
  • Do away with the step of re-sharing PDFs or updating PDF links when you change the source file. The link always goes to the most exact version.
  • No need to keep multiple versions of your files, such as a PDF and a source file—all the versions are stored in a single file.
  • Hope you can get this to work.

    How to Convert an XPS to a PDF in Google Chrome

    Based in Brooklyn, N.Y., Mike Venture has been writing since 2005. He has written for the RAND Corporation, Sterling & Ross Publishers and Metropol Literary Agency. He has also worked as a technical writer at several software start-ups. Venture holds a Bachelor of Arts in creative writing from the University of Pittsburgh.

    Application process

    Stage 1: Pre-application requirements Required documents

    Prior to submitting your application, you will need to collect a number of required documents which must be uploaded with your application.

    These include:

    Your documents must be copied and certified as true copies by a Justice of the Peace prior to being scanned and uploaded with your on-line application.

    Body Art (tattoo) & Body Modification Policy

    If you have body art (tattoos) or body modifications on the head, face, neck or hands please contact the Recruitment Branch before lodging your application.  A recruitment officer can assist with assessing your eligibility.

    Examples of prohibited body art locations

    Tattoo images

    Stage 2: Application qualifications Required qualifications

    The following qualifications are required to be completed and supplied with your application or during the application process.

    Provide First Aid and Pocket Mask Certificate (HLTAID011)

    Applicants to the NSW Police Force must be qualified in providing basic first aid. There are a number of Registered Training Organizations (RTOs) that offer the required Provide First Aid (course code HLTAID011) + Pocket Mask training course,

  • certificate must have a minimum of 12 months currency at the time of submission to the Recruitment Branch
  • relevant course code is HLTAID011 + Pocket Mask Certificate
  • certification in the use of a resuscitation pocket mask must be endorsed on the certificate or on a separate certificate provided by the registered training organization.
  • All costs associated with obtaining a First Aid certificate are the responsibility of the applicant

    Aquatic Rescue Sequence

    The aquatic rescue sequence is designed to test the applicants ability to enter the water safely effect a rescue,

  • this test must be supervised and assessed by a fully licensed AUSTSWIM teacher. Please contact your local council pool or swim center to book
  • certificate is valid for 5 years from the date you pass the test
  • aquatic rescue sequence instructions and certificate (PDF).
  • Please note if you are not a competent swimmer or unsure if you can complete the test, you should seek advice from a qualified swimming instructor prior to lodging your Police application. You may need to complete swimming lessons if required.

    All costs associated with obtaining a AUSTSWIM accredited certificate are the responsibility of the applicant

    Stage 3: Application submission & processing Submitting your application

    The application is a part of a detailed vetting process that assists the Recruitment Branch in determining your professional suitability for employment as a NSW Police officer.

  • The application is called the Professional Suitability Application (PSA). The application is an electronic form and is accessed through the NSW Government’s iworkfor.NSW web site
  • It is important that you carefully read each section of the application form and take time to answer the questions in an open and honest manner. Failure to disclose important information may result in your application being rejected.
  • Apply Online

    Processing your application
  • Upon receipt of your completed application, you will be allocated a Recruitment case manager. The case manager will be your point of contact throughout the application process
  • Your case manager will conduct a review of your eligibility and a wide range of background and reference checks
  • During this stage you will be invited to enrol in the UCWE, undertake fitness testing, psychometric testing and your medical exam
  • You will also be asked to attend a NSW Police station to have your fingerprints taken.  We strongly recommend you contact the police station prior to attending.
  • University Certificate in Workforce Essentials (UCWE)

    The University Certificate in Workforce Essentials (UCWE) is a foundational program that prepares students for the challenges of the Constable Education Program / Associate Degree in Policing Practice (ADPP) and is the mandatory academic requirement for all NSW Police Force applicants.

    Upon successful completion of initial background checks you will receive notification and a link from the Recruitment Branch to submit your application for enrolment into the UCWE.  The application MUST BE submitted within 48 hours of receiving  the notification.  Failure to enrol in the UCWE will result in removal from the recruitment process.

    The course is a 4-week online course delivered by Charles Sturt University and is undertaken during the recruitment process.

    The UCWE costs $700 and qualifies for FEE HELP from the Australian Government.

    Stage 4: Fitness, Psychometric & Medical testing Physical Capacity testing

    During the recruitment process you will be required to undertake and pass a series of fitness tests.

    The tests assess your ability to cope with the physical stresses encountered during training at the Police Academy and whilst performing the inherent roles of an operational Police Officer.

    Psychometric testing

    All applicants who apply to join the NSW Police Force must complete psychometric exam to review their psychological suitability for the role of a NSW Police Officer.

    Following this exam, you may be asked to attend an interview with a NSW Police Force psychologist to clarify the results of the exam.

    No preparation is required prior to the exam and full instructions will be provided on the testing day.

    Medical exam

    As part of the recruitment process you will be required to undertake a medical exam to ensure you are medically fit to perform the inherent role and functions of a NSW Police Officer.

    The exam will be conducted by the external provider Unified Healthcare Group (UHG). Applicants will not be able to undertake the medical exam until notified by the Police Recruitment Branch.

    All costs associated with the medical exam, including any specialist medical reports, are the responsibility of the applicant.

    Stage 5: Interview Interview

    Not all applicants are required to be interviewed. Recruitment interviews are conducted on a needs basis, generally to clarify issues or problems encountered during the application process. You will be contacted by your case manager if you are required to be interviewed.

    Stage 6: Final Checking

    Applicants who successfully complete the 4-week UCWE course will progress to final checking of their application and formal approval to proceed into the Associate Degree in Policing Practice at the NSW Police Academy. It is important at this time that applicants monitor their emails and make themselves available for last minute requests from the recruitment team.

    Stage 7: Academy training offer - ADPP

    Applicants who have successfully completed all elements of the recruitment process will receive a formal offer to enroll in the Associate Degree in Policing Practice (ADPP) at the NSW Police Force Academy.


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    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 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.


    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:


    • 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


    • 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