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 MCD-ASSOC?

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Mulesoft MCD-ASSOC : MuleSoft Certified Developer - Integration and API Associate ACTUAL EXAM QUESTIONS

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Exam Number : MCD-ASSOC
Exam Name : MuleSoft Certified Developer - Integration and API Associate
Vendor Name : Mulesoft
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MCD-ASSOC test Format | MCD-ASSOC Course Contents | MCD-ASSOC Course Outline | MCD-ASSOC test Syllabus | MCD-ASSOC test Objectives


• Format: Multiple-choice, closed book

• Length: 60 questions

• Duration: 120 minutes (2 hours)

• Pass score: 70%

• Language: English



Explaining application network basics Resources

• Explain MuleSofts proposal for closing the IT delivery gap.

• Describe the role and characteristics of the “modern API.”

• Describe the purpose and roles of a Center for Enablement (C4E).

• Define and describe the benefits of API-led connectivity and
application networks.

• Define and correctly use the terms API, API implementation, API
interface, API consumer, and API invocation.

• Describe the basics of the HTTP protocol and the characteristics of
requests and responses.

• Describe the capabilities and high-level components of Anypoint
Platform for the API lifecycle.

• DEV: FUN3 Module 1

• DEV: FUN3 Module 2

Designing and consuming APIs

• Describe the lifecycle of the “modern API.”

• Use RAML to define API resources, nested resources, and methods.

• Identify when and how to define query parameters vs URI
parameters.

• Use RAML to define API parameters, requests, and responses.

• Use RAML to define reusable data types and format-independent
examples.

• Read a RAML spec and formulate RESTful requests with query
parameters and/or headers as appropriate.

• DEV: FUN3 Module 3

• DEV: DIY3 Practice 3-1 and 4-1

Accessing and modifying Mule messages

• Describe the Mule message data structure.

• Use transformers to set message payloads, message properties, and
flow variables.

• Write MEL expressions to access and modify message payloads,
message properties, and flow variables.

• Enrich Mule messages using the Message Enricher.

• DEV: FUN3 Module 6

• DEV: DIY3 Practice 6-1

Structuring Mule applications

• Parameterize an application using property placeholders.

• Define and reuse global configurations in an application.

• Break an application into multiple flows using private flows, subflows,
and the Flow Reference component.

• Specify what data (payload, message properties, flow variables) is
persisted between flows when a Flow Reference is used.

• Specify what data (payload, message properties, flow variables) is
persisted between flows when a Mule message crosses a transport
boundary.

• Specify what data (payload, message properties, flow variables)
exists in a flow before and after a call in the middle of a flow to an
external resource.

• DEV: FUN3 Module 7

• DEV: DIY3 Practice 7-1 and 7-2

Building API implementation interfaces

• Manually create a RESTful interface for a Mule application.

• Describe the features and benefits of APIkit.

• Use APIkit to create implementation flows from a RAML file.

• Describe how requests are routed through flows generated by APIkit.

• DEV: FUN3 Module 4

• DEV: DIY3 Practice 4-1

Routing messages

• Use the Choice router to route messages based on conditional logic.

• Use the Scatter-Gather router to multicast messages.

• Use Filters to filter Mule messages.

• Validate data using the Validation module.

• DEV: FUN3 Module 10

• DEV: DIY3 Practice 10-1 and 10-2

Handling errors

• Describe the default exception strategy in a Mule application.

• Define a custom global default exception strategy for an application
and identify in what situations it will be used.

• Define exception strategies for flows.

• Combine multiple catch exception strategies in a choice exception
strategy.

• DEV: FUN3 Module 9

• DEV: DIY3 Practice 9-1 and 9-2

Transforming data with DataWeave

• Write DataWeave scripts to convert JSON, XML, and Java data
structures to different data structures and data types.

• Use DataWeave operators.

• Define and use custom data types.

• Apply correct DataWeave syntax to coerce data types.

• Apply correct DataWeave syntax to format strings, numbers, and
dates.

• Call Mule flows from a DataWeave script.

• Call global MEL functions from a DataWeave script.

• DEV: FUN3 Module 11

• DEV: DIY3 Practice 11-1

Using Connectors

• Retrieve data from a Database using the Database connector.

• Retrieve data from a REST service using HTTP Request.

• Use a Web Service Consumer connector to consume SOAP web
services.

• Use the Transform Message component to pass arguments to a
SOAP web service.

• List, read, and write local files using the File connector.

• List, read, and write remote files using the FTP connector.

• Use the JMS connector to publish and listen for JMS messages.

• DEV: FUN3 Module 4

• DEV: FUN3 Module 8

• DEV: FUN3 Module 12

• DEV: DIY3 Practice 4-1,8-1, 12-1, and 12-2

Processing records

• List and compare and contrast the methods for processing individual
records in a collection.

• Explain how Mule messages are processed by the Foreach scope .

• Use the Foreach scope to process records.

• Explain how Mule messages are processed in a Batch job.

• Use a Batch element with Batch Steps, Batch Filters, and a Batch
Commit to process records.

• Use the Poll component to trigger a flow.

• Describe the features, benefits, and process to use watermarking.

• Configure watermarks in the Poll scope.

• Persist data between flow executions using the Object Store.

• DEV: FUN3 Module 12

• DEV: FUN3 Module 13

• DEV: DIY3 Practice 13-1

Debugging and troubleshooting Mule applications

• Use breakpoints to inspect a Mule message during runtime.

• Install missing dependencies and drivers to a Mule project.

• Read and decipher Mule log error messages.

• DEV: FUN3 Module 6

• DEV: FUN3 all WTs

• DEV: DIY3 Practice 6-1

• DEV: DIY3 all exercises

Deploying and managing APIs and integrations

• Package Mule applications for deployment.

• Deploy applications to CloudHub.

• Use CloudHub properties to ensure deployment success.

• Create and deploy API proxies.

• Connect an API implementation to API Manager using
autodiscovery.

• Use policies, including client ID enforcement, to secure an API.

• Create SLA tiers and apply SLA based policies.



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Mulesoft Associate test format

 

CST Associate Certificate

The ISA CST Associate certificate program is designed to provide you with validation that you have the fundamental on-the-job skills needed to excel as a control systems technician working in industrial automation environments.

The CST Associate certificate program defines the criteria needed to be eligible to sit for the test and offers a detailed test review course to help you prepare. Successful completion of the test review course satisfies the eligibility requirements to sit for the exam—even if you don’t meet the education and work experience requirements listed below.

A Step Closer to Certification

Earning this valuable certificate not only provides proof of your instrumentation and control skills, it also counts as a full year of work experience toward the requirements to earn the ISA Certified Control Systems Technician® (CCST®) certification—a mark of career excellence that affirms your commitment to quality and demonstrates your expertise.

Exam Eligibility You must meet at least one of the criteria below to be eligible to take the CST Associate exam:
  • Completed a two-year academic degree in a related technology area (e.g., degree in instrumentation engineering technology). Related technology areas include instrumentation, measurement and control, electrical, electronics, or mechanical technologies. Computer programming courses related to practical engineering applications qualify.
  • Successfully completed 16 semester course hours or 24 quarter hours from an educational institution within the automation and controls field and/or related areas. Courses in basic science, mathematics, social science, humanities, and communications do not count toward the eligibility requirements.
  • Two years of work experience in a related technology area and the minimum education of a high school diploma.
  • Successfully complete the ISA CST Associate Certificate test Review Course (TS08M). The test fee is included with the purchase of the course.
  • Exam Review Course The ISA CST Associate Certificate test Review Course (TS08M) is designed to help you prepare for the exam, no matter your level of prior knowledge and experience. If you meet one of the education or work experience requirements listed above (1–3), this course is optional, but can be beneficial by providing extra confidence and assurance as you go into the exam.The course teaches skills such as how to:
  • Describe and apply the fundamentals of temperature, flow, level, and pressure instrumentation 
  • Interpret basic P&IDs and define calibration principles 
  • Demonstrate appropriate loop checking techniques and start-up of control systems 
  • Exam specifications by domain
  • The Exam

    The CST Associate certificate test focuses on the technical knowledge typically covered in a technician training program. You will find the distribution of test questions in the table below.Note: The CST Associate certificate test is a closed book exam.

    CST Associate Specifications by Domain % of Test I. Calibration 31% II. Loop Checking 21% III. Troubleshooting 32% IV. Start-Up 16% Total 100% Exam Registration If you have met the test eligibility requirements listed above, and choose not to take the review course, you can register for the test by paying the test fee here. If you choose to take the review course, the test fee is included with the course purchase and you do not need to register separately.

    New NCLEX format shows positive results for first-time test takers

    Between January and June, NCLEX pass rates increased for both licensed practical and vocational nurse candidates, according to second quarter results of 2023 pass rates across the U.S., released Aug. 3 by the National Council of State Boards of Nursing.

    These results are the first to be published since the NCSBN debuted its new Next Generation NCLEX test format, which launched in April.

    In the first quarter of the year between January and March, there were 56,972 U.S.-educated, first-time candidates who took the NCLEX test resulting in an 80.48 percent pass rate. 

    But between April and June — following the launch of the new test format — there were 60,844 U.S.-educated, first-time candidates of which 94.32 percent passed.  

    Compared to the same timeframe in 2022, only 82.19 percent had passed. 

    "Although clinical judgment was being taught in prelicensure programs, NCSBN worked with educators to explain how the NGN was being constructed using the Clinical Judgment Measurement Model at its core," Philip Dickison, PhD, RN, chief operating officer, NCSBN said in an Aug. 3 news release. "Educators were introduced to the types of questions that would be included and the type of test experience a candidate will have. The results from the first quarter show that their collaboration was successful."

    Individuals who were first-time test takers with an international education passed in the first quarter of 2023 at a percent rate of 39.86 percent, but in the second quarter 57.69 percent passed. 

    Among repeat test takers who were U.S.-educated, 40.66 percent passed in the first quarter and 62.15 percent passed in the second quarter.


    CAPM vs PMP Certification: Which is Right for You?

    Managers gathered in conference roomProject management is one of the fastest-growing professions, with an estimated 25 million jobs expected to be created around the world by 2030. To fill these roles, businesses across industries are seeking new project managers with the qualifications and expertise necessary to make a positive impact in their organizations.The Certified Associate in Project Management (CAPM)® and Project Management Professional (PMP)® are both specialized credentials offered through the Project Management Institute (PMI)® that Strengthen credibility and offer professionals opportunities to increase their skills, lead larger projects and advance their careers.

    In order to choose the certification that best aligns with your intended career goals, it is critical to understand the differences between CAPM and PMP certification. These differences include prerequisites, cost, level of difficulty and industry-wide perception of the credentials.

    Because those planning to earn CAPM certification are not required to have project management experience or a four-year degree, the CAPM is ideal for recent community college graduates or current undergraduates who want to bolster their resume with a credential that demonstrates a commitment to a career in project management.

    While the CAPM is ideal for people beginning their careers, there are some additional prerequisites, including that candidates must complete 23 contact hours before taking the exam. Contact hours are hours spent in project management education or training. These hours can be completed on site or online, enabling candidates to fulfill this requirement without putting their professional, educational or personal obligations on hold. Some universities may also offer project management education at this level as a part of a degree program.

  • A secondary degree (high school diploma, associate degree or the global equivalent)
  • 60 months of experience leading and directing projects within the past eight years
  • 35 hours of project management education/training or CAPM certification
  • OR

  • A four-year degree
  • 36 months of leading and directing projects within the past eight years
  • 35 hours of project management education/training or CAPM certification
  • While the PMP certification does not require a bachelor’s degree, job candidates who hold a four-year degree have a significant advantage. PMP candidates with a secondary degree must have 60 months of experience in leading and directing projects to qualify, while those with a four-year degree are only required to have 36 months of experience.
  • In addition, the PMP certification requires 35 hours of project management education, compared to the CAPM’s 23-hour minimum requirement. Purdue’s flexible online Project Management Essentials course fulfills the hourly requirement of both certifications.
  • CAPM vs. PMP Certification test Cost

    Professionals who pursue project management certification are making a valuable, long-term investment in their careers. Part of that investment does include test fees.

    The PMI requires a fee for both exams, with the cost of the CAPM test at $225 for PMI members and $300 for non-members. The cost of the PMP test is $405 for PMI members and $575 for non-members. See the table below for a quick comparison.

    PMI members Non-members CAPM test cost $225 $300 PMP test cost $405 $575

    A one-year membership to the PMI is $139 and comes with many tools and templates for your professional use, including a downloadable copy of the Project Management Body of Knowledge (PMBOK® Guide).

    Many companies offer professional development benefits that may cover employee education and professional credentialing costs. According to a 2022 survey by the Society for Human Resources, 78% of employers cover opportunities for professional skill development.

    How Difficult Are the CAPM and PMP Certification Exams?

    Because the CAPM is geared toward entry-level project managers or those who are considering a project management career, the CAPM test is widely considered to be less rigorous than the PMP exam.

    The CAPM test questions are derived from the PMBOK® Guide, PMI’s global standards for project management, as well as other sources, which are listed (with the relevant chapters) in the CAPM test reference list.

    The PMP certification exam, on the other hand, is appropriate for individuals of varying experience levels — from those early in their career to established professionals with more significant project management experience — and is therefore more challenging to achieve.

    Like the CAPM, the PMP test also covers the PMBOK® Guide, but it also includes questions designed to test whether the candidate knows how to handle real-world project management scenarios.

    To pass the PMP Exam, PMI not only recommends studying the PMBOK® Guide, the PMP test Content Outline and the PMP handbook, but also enrolling in a formal course of study offered by a PMI Authorized Training Partner (ATP), such as Purdue University.

    CAPM test Details

    The CAPM test consists of 150 questions that call for multiple-choice, hot spot and drag-and-drop responses, in addition to animations and comic strips. The test questions cover four domains to integrate different project delivery approaches, with a specific proportion of questions in each.

    CAPM Domain Proportion of test Questions Project Management Fundamentals and Core Concepts 36% Predictive, Plan-Based Methodologies 17% Agile Frameworks/Methodologies 20% Business Analysis Frameworks 27%

    Candidates have three hours to complete the test, with a 10-minute break in the middle.

    PMP test Details

    The PMP test consists of 180 questions that fall under three domains in predetermined proportions. About half of the questions represent predictive project management approaches, while the other half represent agile or hybrid approaches. Questions regarding these different approaches are spread throughout the domains.

    PMP Domain Proportion of test Questions People: includes managing conflict; building and leading a team; supporting team members and stakeholders; and collaboration 42% Process: includes communication, risk management, scope and schedule planning/management and project methodology selection 50% Business Environment: includes managing project compliance, assessing project value and integrating organizational change 8%

    Candidates have 230 minutes to complete the exam, with two 10-minute breaks.

    CAPM vs. PMP Certification: Industry-Wide Benefits

    Considering that the CAPM certification is more affordable and requires less experience than PMP certification, project managers may ask themselves, “Why would I pursue PMP certification?” The answer is simple: The PMP is the most significant, industry-recognized certification for project managers worldwide.

    PMPs work in a wide range of industries in almost every country. Many employers require PMP certification when hiring project managers because PMPs have demonstrated the knowledge and skills necessary to lead complex projects and direct project teams.

    PMPs bring value to their organizations while advancing their own careers. Project managers with a PMP certification earn a 22% higher median salary than those without a PMP certification, according to PMI’s Earning Power Salary Survey.

    While CAPM certification isn’t as widely recognized as PMP certification, it demonstrates knowledge of PMI’s project management framework and project management processes, which can certainly benefit candidates when applying for jobs. In addition, CAPM-certified employees have a working knowledge of the PMBOK® Guide, which can serve as an excellent first step to eventually pursue PMP certification.

    Frequently Asked Questions

    Is it possible to convert a CAPM to a PMP?Converting to PMP certification is not an option. However, CAPM certification meets the PMP test requirement for 35 hours of project management education/training, so you can achieve PMP certification faster.

    How much experience do you need for CAPM certification?CAPM certification does not require any professional experience, making it an attractive credential for recent graduates as well as anyone seeking to begin a career in project management. However, it does require a minimum of 23 contact hours of project management education.

    How much experience do you need for PMP certification?The experience needed to qualify for the PMP test and go on to earn PMP certification is based on previous education:

  • Professionals with a four-year degree must have a minimum of three years (36 months) of non-overlapping project management experience, during which at least 4,500 hours were spent leading and directing project tasks and activities.
  • Professionals without a four-year degree must have a minimum of five years (60 months) of non-overlapping project management experience, during which at least 7,500 hours were spent leading and directing project tasks and activities.
  • The experience requirements must have been accumulated within the past eight years.

    Do I have to be a PMI member to earn CAPM certification?PMI membership is not required to take the CAPM test or earn certification, but members do receive a discount on the test fee ($60 for PMI members, down from $150 for non-members), as well as other benefits.

    Do I have to be a PMI member to earn PMP certification?No, it is not necessary to become a PMI member to earn PMP certification, though members do have a reduced test fee ($60 for PMI members, down from $150 for non-members) among other benefits.

    How long does it take to process the CAPM application? How long does it take to process the PMP application?According to the PMI, applications take about five to ten days to process.

    Do I need to renew my CAPM certification or my PMP certification?Yes, both the CAPM certification and the PMP certification require a renewal every three years.

  • Professionals with CAPM certification need to pay a renewal fee ($60 for PMI members, $150 for non-members) plus earn 15 professional development units (PDUs) over the three-year cycle in order to maintain their status. These PDUs are broken down into nine PMI Talent Triangle PDUs and six Giving Back PDUs.
  • Those who have a PMP certification will need to pay a renewal fee ($60 for PMI members, $150 for non-members) plus earn 60 PDUs over the three-year cycle to maintain their status. PMP professionals have some choice in how they distribute their required PDUs; visit the PMI’s requirements page for more information.
  • Purdue University’s Online Project Management Courses

    Professionals who participate in Purdue University’s online project management courses can gain a wealth of field knowledge, solid foundational skills, and exceedingly effective preparation for the PMP test in order to obtain a project management certificate. Course materials and activities align closely with A Guide to the Project Management Body of Knowledge (PMBOK® Guide) to help learners retain project management knowledge and apply it to their current projects.

    Project Management EssentialsThis 100% online, instructor-led course runs for eight weeks and allows working professionals to gain familiarity with basic project management concepts and terms.

    Participants are empowered to begin effectively applying their newly acquired knowledge and skills to current projects and earn project management hours that can help qualify them to take the PMP exam.

    Experienced PME instructors engage participants in a range of learning activities, including directed study of the PMBOK® Guide; online discussions; recorded lectures; quizzes and self-tests; and written assignments. The instructors also welcome the opportunity to coach interested learners on an individual basis via email or scheduled phone appointment.

    PMP test PreparationPMP test Preparation is a live, virtual course based on the PMBOK® Guide. Enrollment includes 90-day access to all course material, which is 100% aligned to the Project Management Institute’s PMP® test Prep content.

    Participants get an in-depth review of some of the most challenging learning material on the test and learn how to build a personal study plan.

    This course is for project managers who have a minimum of three years’ experience and prior knowledge of the PMBOK® Guide.

    Project Management Professional, PMP, CAPM, and PMBOK are registered marks of the Project Management Institute, Inc.

    Request Information

    To learn more about Purdue University’s online Project Management courses and download a free brochure, fill out this form. You can also email us at PMonline@purdue.edu or call us at (888) 390-0499 to speak to one of their program advisors.

    * All Fields are Required. Your Privacy is Protected.

    Purdue University respects your right to privacy. By submitting this form, you consent to receive emails and calls from a representative of Purdue University, which may include the use of automated technology. Consent is needed to contact you, but is not a requirement to register or enroll.

      Are you enrolling from outside the U.S.? Click Here.

    SourcesProject Management Institute. 2020. “PMI® Certifications.” Accessed June 5, 2023. https://www.pmi.org/-/media/pmi/documents/public/pdf/certifications/generic-certification-handbook-sixteen-translations.pdf

    Project Management Institute. 2023. “PMI® Certified Associate in Project Management (CAPM®) test Content Outline.” Accessed June 5, 2023. https://www.pmi.org/-/media/pmi/documents/public/pdf/certifications/capm20ecofinal.pdf

    Project Management Institute. 2021. “Project Management Professional (PMP®) test Content Outline.” Accessed June 5, 2023. https://www.pmi.org/-/media/pmi/documents/public/pdf/certifications/pmp-examination-content-outline.pdf

    Project Management Institute. 2021. “Talent Gap: Ten-Year Employment Trends, Costs, and Global Implications.” Accessed June 5, 2023. https://www.pmi.org/-/media/pmi/documents/public/pdf/learning/career-central/talent-gap-report-2021-finalfinal.pdf

    Society for Human Resources. 2022. “Employee Benefits Survey: Executive Summary.” Accessed June 5, 2023. https://shrm-res.cloudinary.com/image/upload/v1654193525/Membership%202022/Employee_Benefits_Survey_-_Executive_Summary_-_FINAL.pdf


     


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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

    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