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-IQ?
Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der Google-IQ: Google Analytics Individual Qualification (IQ) Prüfung.
2023 Updated Actual Google-IQ questions as experienced in Test Center
Aktuelle Google-IQ Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz
![]() Google Google-IQ : Google Analytics Individual Qualification (IQ) exam DumpsExam Dumps Organized by Martin Hoax |
Latest 2023 Updated Google Google Analytics Individual Qualification (IQ) Syllabus
Google-IQ quiz test / Braindumps contains real exam Questions
Practice Tests and Free VCE Software - Questions Updated on Daily Basis
Big Discount / Cheapest price & 100% Pass Guarantee
Google-IQ Test Center Questions : Download 100% Free Google-IQ quiz test (PDF and VCE)
Exam Number : Google-IQ
Exam Name : Google Analytics Individual Qualification (IQ)
Vendor Name : Google
Update : Click Here to Check Latest Update
Question Bank : Check Questions
Go through Google Google-IQ PDF Questions and real questions with Free PDF
Passing the Google-IQ test is not easy with just course readings. You need killexams.com Google-IQ Dumps for training and further developing your knowledge of the tips and tricks used in Google-IQ Exam Questions. You need to practice the strategies used in the real test with PDF Questions, and then you will be ready for the genuine Google-IQ test.
Killexams.com has included all the changes and upgrades made in Google-IQ in 2023 in their Study Guide. The 2023 updated Google-IQ braindumps certain your success in the real exam. They recommend going through the entire question bank before taking the real test. Candidates who use their Google-IQ PDF Braindumps not only pass the exam but also enhance their knowledge, allowing them to work as experts in a professional environment. At Killexams, they not only focus on helping candidates pass the Google-IQ exam with their braindumps but also aim to Excellerate their understanding of Google-IQ subjects and objectives. This is how they become successful.
To pass the Google Google-IQ exam and secure a high-paying job, get the Latest and 2023 updated quiz test from killexams.com by registering with special discount coupons. Their team of specialists is working hard to collect real Google-IQ exam questions to ensure that you pass the Google Analytics Individual Qualification (IQ) exam. You can get the updated Google-IQ exam questions every time with a 100% refund guarantee. Many companies offer Google-IQ real questions, but valid and latest 2023 up-to-date Google-IQ PDF Download is a major issue. It's important to think twice before relying on Free Dumps available on the internet.

Google-IQ exam Format | Google-IQ Course Contents | Google-IQ Course Outline | Google-IQ exam Syllabus | Google-IQ exam Objectives
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.
Killexams Review | Reputation | Testimonials | Feedback
I need real test questions of Google-IQ exam.
The coaching kit provided by killexams.com was very beneficial throughout my examination schooling. I am not a great test-taker and may go blank on exams, especially if it is the Google-IQ exam, where time is your enemy. I had the experience of failing IT tests in the past and preferred to avoid it at all costs, so I bought this package. It helped me pass with a score of 100%. It had everything I needed to know, and because I had spent countless hours analyzing, cramming, and making notes, I had no trouble passing the exam with the highest score possible.
Take a clever move to pass Google-IQ
I recently purchased the certification package from killexams.com and studied it thoroughly. With the help of the online sorting engine, I passed the Google-IQ exam and obtained my certification. I highly recommend this website and the brief question-answers that were easy to recognize. I answered 50/60 questions correctly in the exam, and killexams.com was an outstanding solution for me.
Where can i obtain Google-IQ braindumps updated real test questions?
I would like to thank killexams.com for being an excellent study partner for the Google-IQ exam. The resource material available on their website was like a true friend, providing me with the support and guidance I needed to succeed. I highly recommend killexams.com to anyone looking for a reliable and effective study partner.
Google-IQ exam questions are changed, where am i able to locate new questions and answers?
For those with fears related to Google-IQ certification, I highly recommend coming to this platform. Killexams.com offers confident goods for your preparations, and thanks to them, I was able to succeed in my coaching. The Google-IQ exam engine increased my achievement self-belief, and now I feel satisfied with this unconditional assistance.
These Google-IQ updated dumps works superb in the real exam.
Thanks to killexams.com, I was able to equip myself with the necessary skills and self-belief to crack the Google-IQ exam. Their website is a treasure trove of precious information that will help anyone succeed in their Google-IQ guide. Their practice test software is particularly helpful, outlining every challenge and placing questions in random order, much like the real exam. With their resources, I was able to evaluate myself on different parameters and scored a good grade on my first try.
Google Qualification PDF Braindumps
How to create a direct link to Google Sheets PDF link via Google DriveYou 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. 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 SheetOpen Google Drive and choose the document you would like to share. 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 URLClick 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, ]]>Hope you can get this to work. ![]() How to Convert an XPS to a PDF in Google ChromeBased 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 processStage 1: Pre-application requirements Required documentsPrior 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 PolicyIf 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 locationsThe 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, All costs associated with obtaining a First Aid certificate are the responsibility of the applicant Aquatic Rescue SequenceThe aquatic rescue sequence is designed to test the applicants ability to enter the water safely effect a rescue, 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 applicationThe 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 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 testingDuring 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 testingAll 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 examAs 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 InterviewNot 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 CheckingApplicants 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 - ADPPApplicants 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. |
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 quiz test 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 trial questions and trial 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?
Yes, Killexams is 100% legit in addition to fully well-performing. There are several options that makes killexams.com traditional and authentic. It provides updated and 100% valid quiz test comprising real exams questions and answers. Price is extremely low as compared to many of the services on internet. The mock test are up-to-date on common basis by using most exact brain dumps. Killexams account build up and product or service delivery can be quite fast. Report downloading will be unlimited and very fast. Aid is avaiable via Livechat and Message. These are the features that makes killexams.com a strong website that supply quiz test with real exams questions.
Is killexams.com test material dependable?
There are several mock test provider in the market claiming that they provide real 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 get sites or reseller sites. Thats why killexams.com update exam mock test with the same frequency as they are updated in Real Test. quiz test provided by killexams.com are Reliable, Up-to-date and validated by Certified Professionals. They maintain question bank 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 subjects of new syllabus, They recommend to get PDF exam 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 mock test will be provided in your get Account. You can get Premium quiz test files as many times as you want, There is no limit.
Killexams.com has provided VCE practice test 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 real Test. Go register for Test in Test Center and Enjoy your Success.
CCP exam results | 630-008 Latest Questions | 2B0-102 practice exam | 2B0-018 english test questions | 350-401 writing test questions | CGFNS Test Prep | AZ-800 pdf get | NACE-CIP1-001 bootcamp | 300-815 dumps | DES-5121 exam tips | NS0-162 braindump questions | H19-301 braindump questions | SAA-C03 exam Questions | PL-200 study guide | H12-711 free pdf | CRA Cheatsheet | 100-490 questions answers | Adwords-Search free pdf | PEGACPBA86V1 mock exam | GRE braindump questions |
Google-IQ - Google Analytics Individual Qualification (IQ) testing
Google-IQ - Google Analytics Individual Qualification (IQ) information hunger
Google-IQ - Google Analytics Individual Qualification (IQ) boot camp
Google-IQ - Google Analytics Individual Qualification (IQ) real Questions
Google-IQ - Google Analytics Individual Qualification (IQ) PDF Questions
Google-IQ - Google Analytics Individual Qualification (IQ) Questions and Answers
Google-IQ - Google Analytics Individual Qualification (IQ) PDF Questions
Google-IQ - Google Analytics Individual Qualification (IQ) PDF Download
Google-IQ - Google Analytics Individual Qualification (IQ) Practice Test
Google-IQ - Google Analytics Individual Qualification (IQ) exam dumps
Google-IQ - Google Analytics Individual Qualification (IQ) PDF Dumps
Google-IQ - Google Analytics Individual Qualification (IQ) Cheatsheet
Google-IQ - Google Analytics Individual Qualification (IQ) certification
Google-IQ - Google Analytics Individual Qualification (IQ) exam dumps
Google-IQ - Google Analytics Individual Qualification (IQ) study tips
Google-IQ - Google Analytics Individual Qualification (IQ) exam Questions
Google-IQ - Google Analytics Individual Qualification (IQ) real Questions
Google-IQ - Google Analytics Individual Qualification (IQ) questions
Google-IQ - Google Analytics Individual Qualification (IQ) Latest Questions
Google-IQ - Google Analytics Individual Qualification (IQ) braindumps
Google-IQ - Google Analytics Individual Qualification (IQ) Real exam Questions
Google-IQ - Google Analytics Individual Qualification (IQ) guide
Google-IQ - Google Analytics Individual Qualification (IQ) cheat sheet
Google-IQ - Google Analytics Individual Qualification (IQ) real Questions
Google-IQ - Google Analytics Individual Qualification (IQ) exam Braindumps
Google-IQ - Google Analytics Individual Qualification (IQ) Test Prep
Google-IQ - Google Analytics Individual Qualification (IQ) exam format
Google-IQ - Google Analytics Individual Qualification (IQ) Practice Questions
Google-IQ - Google Analytics Individual Qualification (IQ) braindumps
Google-IQ - Google Analytics Individual Qualification (IQ) Free PDF
Google-IQ - Google Analytics Individual Qualification (IQ) real Questions
Google-IQ - Google Analytics Individual Qualification (IQ) Study Guide
Google-IQ - Google Analytics Individual Qualification (IQ) Practice Test
Google-IQ - Google Analytics Individual Qualification (IQ) exam
Google-IQ - Google Analytics Individual Qualification (IQ) Test Prep
Google-IQ - Google Analytics Individual Qualification (IQ) exam
Google-IQ - Google Analytics Individual Qualification (IQ) real Questions
Google-IQ - Google Analytics Individual Qualification (IQ) teaching
Google-IQ - Google Analytics Individual Qualification (IQ) PDF Download
Google-IQ - Google Analytics Individual Qualification (IQ) exam syllabus
Google-IQ - Google Analytics Individual Qualification (IQ) Study Guide
Google-IQ - Google Analytics Individual Qualification (IQ) study tips
Google-IQ - Google Analytics Individual Qualification (IQ) teaching
Google-IQ - Google Analytics Individual Qualification (IQ) exam syllabus
Other Google exam Dumps
Google-ACE exam results | Cloud-Digital-Leader Latest Topics | Google-PCE questions and answers | Google-AMA Questions and Answers | Adwords-Search certification sample | Google-IQ free pdf | Google-PDE exam prep | Adwords-Reporting pass exam | Google-AAD test questions | Google-PCA exam preparation | Professional-Cloud-DevOps-Engineer brain dumps | Google-PCNE Free PDF | Google-PCSE dumps questions | Adwords-Display exam dumps | Google-AVA test prep | Apigee-API-Engineer Study Guide | Adwords-fundamentals questions and answers | Google-ASA Real exam Questions | Google-PCD braindumps | Google-PCDE exam Questions |
Best quiz test You Ever Experienced
S90.08A free prep | APMLE prep questions | CHHE study material | PfMP test prep | Series6 mock questions | AI-102 online exam | 350-201 study questions | MB-340 study guide | I40-420 test example | Salesforce-Certified-Community-Cloud-Consultant trial questions | 1T6-521 exam questions | E20-065 english test questions | VMCE2021 exam Cram | CPT exam prep | MB-330 practice exam | MB-210 past exams | Servicenow-PR000370 questions answers | 156-110 cbt | PCCE boot camp | PMI-RMP exam questions |
References :
https://www.instapaper.com/read/1413196468
https://drp.mk/i/FNBn34VZhn
https://arfansaleemfan.blogspot.com/2021/05/google-iq-google-analytics-individual_27.html
https://sites.google.com/view/ killexams-googl-iq-exam-dumps
http://feeds.feedburner.com/WhereWouldIBeAbleToInspireHelpToPassP2170-015Exam
Similar Websites :
Pass4sure Certification exam dumps
Pass4Sure exam Questions and Dumps
Google-IQ 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.
100% Valid and Up to Date Google-IQ 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