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 Nonprofit-Cloud-Consultant?
Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der Nonprofit-Cloud-Consultant: Salesforce Certified Nonprofit Cloud Consultant Prüfung.
2025 Updated Actual Nonprofit-Cloud-Consultant questions as experienced in Test Center
Aktuelle Nonprofit-Cloud-Consultant Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz
![]() SalesForce Nonprofit-Cloud-Consultant : Salesforce Certified Nonprofit Cloud Consultant Practice TestsPractice Tests Organized by Lee |
Latest 2025 Updated SalesForce Salesforce Certified Nonprofit Cloud Consultant Syllabus
Nonprofit-Cloud-Consultant dumps questions with Premium PDF and Test Engine
Practice Tests and Free VCE Software - Questions Updated on Daily Basis
Big Discount / Cheapest price & 100% Pass Guarantee
Nonprofit-Cloud-Consultant dumps questions : Download 100% Free Nonprofit-Cloud-Consultant practice questions (PDF and VCE)
Exam Number : Nonprofit-Cloud-Consultant
Exam Name : Salesforce Certified Nonprofit Cloud Consultant
Vendor Name : SalesForce
Update : Click Here to Check Latest Update
Question Bank : Check Questions
Download Nonprofit-Cloud-Consultant Mock Questions from killexams.com and practice just before the test
We offer 100% free Nonprofit-Cloud-Consultant Pass Guides for get and evaluation. Their SalesForce Nonprofit-Cloud-Consultant test provides test questions with valid answers that mirror the real exam. Killexams.com is committed to helping you achieve good grades in your Nonprofit-Cloud-Consultant test.
Killexams.com offers the most recent and valid Nonprofit-Cloud-Consultant ACTUAL EXAM QUESTIONS. Their dumps contain the latest SalesForce updated Nonprofit-Cloud-Consultant questions, and they constantly update them to ensure that they remain up-to-date. Most candidates fail their Nonprofit-Cloud-Consultant test because the questions are regularly updated by SalesForce. However, they at killexams.com have collected all Nonprofit-Cloud-Consultant Mock Questions and created a Exam Questions that contains nearly all of them. With their Exam Questions, they ensure that you will pass your Nonprofit-Cloud-Consultant test with good marks.
At killexams.com, they provide Nonprofit-Cloud-Consultant ACTUAL EXAM QUESTIONS that are both valid and up-to-date. They offer the latest Nonprofit-Cloud-Consultant ACTUAL EXAM QUESTIONS that are regularly updated by SalesForce. It is common for candidates to fail the Nonprofit-Cloud-Consultant test because the questions are regularly updated by SalesForce. To address this, they collect all Nonprofit-Cloud-Consultant Mock Questions and create a Exam Questions that contains almost all of them. Their Exam Questions is so comprehensive that they ensure a 100% pass rate for your Nonprofit-Cloud-Consultant test with good marks.

Nonprofit-Cloud-Consultant test Format | Nonprofit-Cloud-Consultant Course Contents | Nonprofit-Cloud-Consultant Course Outline | Nonprofit-Cloud-Consultant test Syllabus | Nonprofit-Cloud-Consultant test Objectives
Exam Details for Nonprofit-Cloud-Consultant Salesforce Certified Nonprofit Cloud Consultant:
Exam Specification:
- Number of Questions: The test typically consists of multiple-choice questions, with a total of approximately 60 questions.
- Time Limit: The total time allocated for the test is usually 105 minutes.
- Passing Score: The passing score for the test varies, but it is generally set around 68% or higher.
- test Format: The test is usually conducted in a proctored environment, either in-person or online.
Course Outline:
The Salesforce Certified Nonprofit Cloud Consultant course covers the following key areas:
1. Nonprofit Sector Overview:
- Understanding the nonprofit sector and its unique challenges
- Nonprofit industry trends and best practices
- Nonprofit technology solutions and their impact
2. Nonprofit Cloud Basics:
- Introduction to Salesforce Nonprofit Cloud
- Nonprofit Cloud features and capabilities
- Nonprofit data model and architecture
- Nonprofit Cloud integration with other Salesforce products
3. Nonprofit Cloud Implementation:
- Needs test and solution design for nonprofits
- Nonprofit data management and migration strategies
- Configuration and customization of Nonprofit Cloud
- Fundraising and donor management in Nonprofit Cloud
4. Program Management and Impact Measurement:
- Program management and constituent engagement
- Volunteer management and engagement
- Outcome measurement and impact reporting
- Grant management and reporting
5. Nonprofit Cloud Administration and Support:
- Nonprofit Cloud administration best practices
- User and permission management in Nonprofit Cloud
- Nonprofit Cloud security and data privacy
- Nonprofit Cloud reporting and analytics
Exam Objectives:
The objectives of the Nonprofit-Cloud-Consultant test are to assess the candidate's understanding of the following:
1. Nonprofit sector overview and challenges.
2. Nonprofit Cloud features and capabilities.
3. Nonprofit Cloud implementation and customization.
4. Program management and impact measurement in Nonprofit Cloud.
5. Nonprofit Cloud administration and support.
Exam Syllabus:
The test syllabus for Nonprofit-Cloud-Consultant includes the following topics:
1. Nonprofit Sector Overview
2. Nonprofit Cloud Basics
3. Nonprofit Cloud Implementation
4. Program Management and Impact Measurement
5. Nonprofit Cloud Administration and Support
Killexams Review | Reputation | Testimonials | Feedback
I want the latest real test questions for the Nonprofit-Cloud-Consultant exam.
The concise answers provided by killexams.com were instrumental in helping me achieve a high score on the Nonprofit-Cloud-Consultant exam. As an IT professional with significant responsibilities, it was challenging to find a stable study plan. However, I found killexams.com's prepared mock test to be an excellent study aid, enabling me to complete the test with top marks.
That was awesome! I got practice questions for the Nonprofit-Cloud-Consultant exam.
I could not have passed the Nonprofit-Cloud-Consultant test without killexams.com's comprehensive package. It covers a wide range of subjects, making it an invaluable resource for anyone preparing for the exam. With killexams.com, you can be confident that you have covered everything you need to know.
Take advantage; use mock test to ensure your success.
To become Nonprofit-Cloud-Consultant certified, I had to pass the Nonprofit-Cloud-Consultant exam. After failing twice, I was pushed to the limit. Fortunately, my cousin provided me with the killexams.com material, and I was very impressed with the mock test material. I secured an 89%, and I am glad that I scored above the margin mark without any problem. The material is correctly formatted and enriched with vital concepts, making it a fantastic resource for the exam.
Where can I find Nonprofit-Cloud-Consultant practice test questions?
Working in an IT firm means that I have limited time to prepare for the Nonprofit-Cloud-Consultant exam. So, I opted for killexams.com mock test practice test, and to my surprise, it worked wonders for me. I had to answer all the questions in the least possible time, and the questions were quite easy to understand with a fantastic reference guide. I scored 939 marks, which was a great surprise for me. Thanks to killexams!
How long of practice is needed for the Nonprofit-Cloud-Consultant test?
If you are looking for comprehensive and effective preparation for the Nonprofit-Cloud-Consultant exam, I highly recommend killexams.com. Their test solution is top-notch and can significantly enhance your chances of passing the exam. I can personally attest to this, having passed my Nonprofit-Cloud-Consultant test with their help and obtained my Nonprofit-Cloud-Consultant certificate.
SalesForce Cloud Practice Questions
Nonprofit-Cloud-Consultant Exam
User: Liam*****![]() ![]() ![]() ![]() ![]() Killexams.com is the best NONPROFIT-CLOUD-CONSULTANT resource on the internet, and Its one that I trust. What they provided me is more valuable than money; they educated me. When I was studying for my NONPROFIT-CLOUD-CONSULTANT exam, I made an account on their website, and what I received in return worked like magic for me. I was surprised at how amazing it felt, and passing the NONPROFIT-CLOUD-CONSULTANT test was a single step for me towards success. |
User: Nellie*****![]() ![]() ![]() ![]() ![]() I highly recommend killexams.com to anyone considering purchasing material for their nonprofit-cloud-consultant exam. It is a reliable and effective tool for those who cannot afford full-time courses. In my opinion, full-time courses are a waste of time and money, especially when you have Killexams. And if you are wondering, the questions on the site are real and up-to-date. |
User: Oxana*****![]() ![]() ![]() ![]() ![]() As I walked down the street, I noticed that I was getting more attention than usual. The reason for my unexpected popularity was that I had scored first-class marks on my Cisco test, and everyone was amazed by it. I was astonished too, but I knew that such success was possible for me because of the preparatory instructions I received from Killexams.com. They were ideal enough to make me perform so well. |
User: Trinidad*****![]() ![]() ![]() ![]() ![]() Thanks to the nonprofit-cloud-consultant mock test provided by killexams.com, I was able to pass my test with ease. I am so satisfied with their material that I plan to come back for other SalesForce certifications in the future. |
User: Margaret*****![]() ![]() ![]() ![]() ![]() I was excited to discover that the brain practice test for the nonprofit-cloud-consultant test had been updated. The changes were new and unexpected, but I found them helpful after recently taking my first nonprofit-cloud-consultant exam. I plan to order the updated material soon. |
Nonprofit-Cloud-Consultant Exam
Question: Which test simulator is best for Nonprofit-Cloud-Consultant test preparation? Answer: Killexams test Simulator is best for Nonprofit-Cloud-Consultant test preparation. You can practice the test an unlimited number of times on the test simulator. It helps greatly to Excellerate knowledge about Nonprofit-Cloud-Consultant mock test while you take the practice test again and again. You will see that you will memorize all the questions and you will be taking 100% marks. That means you are fully prepared to take the real Nonprofit-Cloud-Consultant test. |
Question: The same questions, Is it possible? Answer: Yes, It is possible and it is happening. Killexamstake these questions from real test sources, that's why these test questions are sufficient to read and pass the exam. Although you can use other sources also for improvement of knowledge like textbooks and other aid material these questions are sufficient to pass the exam. |
Question: Do you recommend me to use this great source of real Nonprofit-Cloud-Consultant test questions? Answer: Yes, Killexams highly recommend these Nonprofit-Cloud-Consultant test questions to memorize before you go for the real test because this Nonprofit-Cloud-Consultant dumps questions contains an up-to-date and 100% valid Nonprofit-Cloud-Consultant dumps questions with a new syllabus. |
Question: I want to buy killexams test with my brother's card. Is it possible? Answer: Yes, you can buy test products with your brother's card. It does not matter if you mention your email address or the email address of the person who you are buying for. Just go through the payment process and when you receive your login details, send them to the person you want. |
Question: Can I practice with VCE on my computer? Answer: Of course, you can Install Killexams test Simulator on your computer with Windows operating system. You can follow the steps supply at https://killexams.com/exam-simulator-installation.html to install and open the test simulator on your computer. The test simulator is used to practice test questions and answers. |
https://www.pass4surez.com/art/read.php?keyword=SalesForce+Cloud+Practice+Questions&lang=us&links=remove
While it is hard job to pick solid certification questions/answers regarding review, reputation and validity since individuals get sham because of picking incorrec service. Killexams.com ensure to serve its customers best to its efforts as for ACTUAL EXAM QUESTIONS update and validity. Most of other's post false reports with objections about us for the brain dumps bout their customers pass their exams cheerfully and effortlessly. They never bargain on their review, reputation and quality because killexams review, killexams reputation and killexams customer certainty is imperative to us. Extraordinarily they deal with false killexams.com review, killexams.com reputation, killexams.com scam reports. killexams.com trust, killexams.com validity, killexams.com report and killexams.com that are posted by genuine customers is helpful to others. If you see any false report posted by their opponents with the name killexams scam report on web, killexams.com score reports, killexams.com reviews, killexams.com protestation or something like this, simply remember there are constantly terrible individuals harming reputation of good administrations because of their advantages. Most clients that pass their exams utilizing killexams.com brain dumps, killexams PDF questions, killexams practice questions, killexams test VCE simulator. Visit their example questions and test brain dumps, their test simulator and you will realize that killexams.com is the best ACTUAL EXAM QUESTIONS site.
Which is the best practice questions website?
Sure, Killexams is fully legit plus fully good. There are several benefits that makes killexams.com reliable and legit. It provides current and fully valid test questions containing real exams questions and answers. Price is very low as compared to many of the services on internet. The mock test are refreshed on ordinary basis by using most recent questions. Killexams account make and supplement delivery is extremely fast. Submit downloading is actually unlimited and extremely fast. Service is avaiable via Livechat and E mail. These are the features that makes killexams.com a sturdy website which provide test prep with real exams questions.
Is killexams.com test material dependable?
There are several mock test 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 2025 that understands the issue candidates face when they spend their time studying obsolete contents taken from free pdf get sites or reseller sites. Thats why killexams.com update test mock test with the same frequency as they are updated in Real Test. test questions provided by killexams.com are Reliable, Up-to-date and validated by Certified Professionals. They maintain dumps questions 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 syllabus of new syllabus, They recommend to get 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 mock test will be provided in your get Account. You can get Premium practice test files as many times as you want, There is no limit.
Killexams.com has provided VCE practice 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.
ACA-BIGDATA1 PDF Questions | DMDI301 free prep | MS-720 mock test | C1000-080 sample test | PEGACPDC88V1 mock test | F50-536 practice test | BCP-710 cram | E20-375 practice test | CCI questions answers | 005-002 Practice Questions | 62-193 practice test | 920-220 free pdf | HPE3-U01 sample test questions | CPFO test prep | NLN-Pharmacology mock questions | 050-701 actual questions | 920-556 test prep | Magento-2-Certified-Associate-Developer test prep | CECP training material | CWAP-404 pass marks |
Nonprofit-Cloud-Consultant - Salesforce Certified Nonprofit Cloud Consultant test Questions
Nonprofit-Cloud-Consultant - Salesforce Certified Nonprofit Cloud Consultant Test Prep
Nonprofit-Cloud-Consultant - Salesforce Certified Nonprofit Cloud Consultant information search
Nonprofit-Cloud-Consultant - Salesforce Certified Nonprofit Cloud Consultant learn
Nonprofit-Cloud-Consultant - Salesforce Certified Nonprofit Cloud Consultant test format
Nonprofit-Cloud-Consultant - Salesforce Certified Nonprofit Cloud Consultant premium pdf
Nonprofit-Cloud-Consultant - Salesforce Certified Nonprofit Cloud Consultant Free test PDF
Nonprofit-Cloud-Consultant - Salesforce Certified Nonprofit Cloud Consultant test contents
Nonprofit-Cloud-Consultant - Salesforce Certified Nonprofit Cloud Consultant certification
Nonprofit-Cloud-Consultant - Salesforce Certified Nonprofit Cloud Consultant information hunger
Nonprofit-Cloud-Consultant - Salesforce Certified Nonprofit Cloud Consultant test Cram
Nonprofit-Cloud-Consultant - Salesforce Certified Nonprofit Cloud Consultant boot camp
Nonprofit-Cloud-Consultant - Salesforce Certified Nonprofit Cloud Consultant test
Nonprofit-Cloud-Consultant - Salesforce Certified Nonprofit Cloud Consultant Free PDF
Nonprofit-Cloud-Consultant - Salesforce Certified Nonprofit Cloud Consultant study help
Nonprofit-Cloud-Consultant - Salesforce Certified Nonprofit Cloud Consultant PDF questions
Nonprofit-Cloud-Consultant - Salesforce Certified Nonprofit Cloud Consultant test questions
Nonprofit-Cloud-Consultant - Salesforce Certified Nonprofit Cloud Consultant Free test PDF
Nonprofit-Cloud-Consultant - Salesforce Certified Nonprofit Cloud Consultant test
Nonprofit-Cloud-Consultant - Salesforce Certified Nonprofit Cloud Consultant test contents
Nonprofit-Cloud-Consultant - Salesforce Certified Nonprofit Cloud Consultant test questions
Nonprofit-Cloud-Consultant - Salesforce Certified Nonprofit Cloud Consultant test Cram
Nonprofit-Cloud-Consultant - Salesforce Certified Nonprofit Cloud Consultant test success
Nonprofit-Cloud-Consultant - Salesforce Certified Nonprofit Cloud Consultant test
Nonprofit-Cloud-Consultant - Salesforce Certified Nonprofit Cloud Consultant test Cram
Nonprofit-Cloud-Consultant - Salesforce Certified Nonprofit Cloud Consultant Latest Topics
Nonprofit-Cloud-Consultant - Salesforce Certified Nonprofit Cloud Consultant study tips
Nonprofit-Cloud-Consultant - Salesforce Certified Nonprofit Cloud Consultant test Questions
Nonprofit-Cloud-Consultant - Salesforce Certified Nonprofit Cloud Consultant Real test Questions
Nonprofit-Cloud-Consultant - Salesforce Certified Nonprofit Cloud Consultant test syllabus
Nonprofit-Cloud-Consultant - Salesforce Certified Nonprofit Cloud Consultant real Questions
Nonprofit-Cloud-Consultant - Salesforce Certified Nonprofit Cloud Consultant study help
Nonprofit-Cloud-Consultant - Salesforce Certified Nonprofit Cloud Consultant PDF Questions
Nonprofit-Cloud-Consultant - Salesforce Certified Nonprofit Cloud Consultant education
Nonprofit-Cloud-Consultant - Salesforce Certified Nonprofit Cloud Consultant test
Nonprofit-Cloud-Consultant - Salesforce Certified Nonprofit Cloud Consultant PDF Download
Nonprofit-Cloud-Consultant - Salesforce Certified Nonprofit Cloud Consultant test Questions
Nonprofit-Cloud-Consultant - Salesforce Certified Nonprofit Cloud Consultant information source
Nonprofit-Cloud-Consultant - Salesforce Certified Nonprofit Cloud Consultant Latest Questions
Nonprofit-Cloud-Consultant - Salesforce Certified Nonprofit Cloud Consultant study help
Nonprofit-Cloud-Consultant - Salesforce Certified Nonprofit Cloud Consultant test prep
Nonprofit-Cloud-Consultant - Salesforce Certified Nonprofit Cloud Consultant tricks
Nonprofit-Cloud-Consultant - Salesforce Certified Nonprofit Cloud Consultant tricks
Nonprofit-Cloud-Consultant - Salesforce Certified Nonprofit Cloud Consultant test Cram
Other SalesForce Practice Tests
FSLCC practice exam | Salesforce-Security-Privacy-Accredited-Professional sample questions | Salesforce-Health-Cloud-Accredited-Professional Question Bank | Pardot-Consultant practice test | Salesforce-Certified-B2C-Commerce-Developer practice exam | Salesforce-Loyalty-Management free pdf | Industries-CPQ-Developer sample test questions | PDII test Questions | Salesforce-Certified-Business-Analyst free questions | Salesforce-Financial-Services-Cloud study questions | DEX-450 Latest Topics | CPQ-211 study guide | PDX-101 Latest Questions | Marketing-Cloud-Consultant test papers | ADM-211 practice exam | Javascript-Developer-I writing test questions | Salesforce-Certified-Education-Cloud-Consultant test questions | Salesforce-Experience-Cloud-Consultant pdf download | CPQ-201 questions and answers | Salesforce-Maps-Accredited-Professional test test |
Best practice questions You Ever Experienced
EADA105 bootcamp | CAP cram | AMCB-CNM pdf study guide | DA-100 test prep | 8010 free prep | PANCE Study help | ERP-Consultant prep questions | HPE0-S59 test exam | VCS-260 certification sample | 1Y0-231 practice test | AGACNP-BC free pdf | S90.20A Questions and Answers | IAFN-SANE-P practical test | DEA-5TT2 sample questions | Agile-Foundation test results | AACE-PSP Latest Questions | LCDC prep questions | API-580 study material | CIMAPRO15-E03-X1-ENG Free PDF | AAPC-OCS mock questions |
References :
Similar Websites :
Pass4sure Certification test Practice Tests
Pass4Sure Certification Question Bank
Nonprofit-Cloud-Consultant 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 Nonprofit-Cloud-Consultant 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