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 PDII?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der PDII: Salesforce Certified Platform Developer II (PDII) Prüfung.

2023 Updated Actual PDII questions as experienced in Test Center

Laden Sie PDII Übungstest und aktuelle Fragen herunter - easy finanz | easyfinanz

Salesforce Certified Platform Developer II (PDII) dump questions with Latest PDII practice tests | https://www.easyfinanz.cc/

Salesforce PDII : Salesforce Certified Platform Developer test Dumps

Exam Dumps Organized by Martha nods

Latest 2022 Updated Syllabus
PDII test Dumps | Latest Braindumps with real Questions

Real Questions from Latest subjects of PDII - Updated Daily - 100% Pass Guarantee

PDII trial Questions : Download 100% Free PDII test Dumps (PDF and VCE)

Exam Number : PDII
Exam Name : Salesforce Certified Platform Developer II (PDII)
Vendor Name : Salesforce
Update : Click Here to Check Latest Update
Question Bank : Check Questions

Free PDII quiz boot camp are supplied by killexams. com
killexams.com offers genuine and forward-thinking PDII Actual Questions with real Salesforce Certified Platform Developer II (PDII) test Questions along with Answers for new subjects of Salesforce PDII Exam. Training their PDII Latest Questions along with Answers to further Strengthen your perception and finish your current test with good Marks. They all ensure your current accomplishment in the Test Center, veiling most of the subjects of PDII ensure that you assembling your Knowledge of the PDII test. Complete 4 sure with their appropriate inquiries.

Salesforce PDII examination is not really very as well simple so as to even think about planning using just PDII program guide or absolutely free Exam Questions available on the internet. There are actually difficult concerns asked in the real PDII examination which will confuse the real applicant in addition to cause weak the test. This particular situation is came out after killexams.com through collecting authentic PDII Actual Questions in PDF Questions plus VCE examination sim files. You actually basically should get fully free PDII Exam Questions previous to you choosing in order to sign up for the complete edition of PDII exam dumps. You will surely be very happy to proceed through the PDII exam dumps.

They provide real PDII examination Inquiries and Advice exam dumps within two platforms. PDII EBOOK record in addition to PDII VCE examination sim. PDII Genuine check is actually rapidly converted by Salesforce in true tests. Typically the PDII exam dumps PDF DOCUMENT document could possibly become down loaded on almost any device. You happen to be usually in a position to print PDII exam dumps to produce your own guide. Their own go rate is generally high in order to 98. 9% and also, the identicalness among the PDII concerns plus authentic test is generally 98%. Are you interested in achievement inside PDII test in only there are attempt? Immediately aside visit get Salesforce PDII authentic examination concerns at killexams.com.

The world wide web is filled with exam dumps providers the particular above all of them are marketing outdated in addition to invalid PDII exam dumps. You require in order to inquire about the Valid additionally 2022 Caught up PDII exam dumps provider online. Right now there usually are chances which will you would decide to not squander your own moment on examine, simply believe in upon killexams.com rather then spending numerous bucks in invalid PDII exam dumps. They tip you to look into killexams.com plus acquire 100% absolutely free PDII exam dumps test concerns. A person will probably be happy. Sign-up and obtain any 3 a couple of months account in order to get the most accurate and legitimate PDII exam dumps made up of Real PDII examination concerns plus responses. You ought to acquire PDII VCE test sim for your own schooling test.

Attributes of Killexams PDII exam dumps
-> Instantaneous PDII exam dumps get Entry
-> Comprehensive PDII Questions in addition to Answers
-> 98% Success Pace of PDII test
-> Certain real PDII test concerns
-> PDII Concerns Updated in Regular time frame.
-> Valid in addition to 2022 Up to date PDII Quiz Dumps
-> fully Portable PDII test Records
-> Full included PDII VCE test Sim
-> No Reduce on PDII test Obtain Access
-> Fantastic Discount Coupons
-> fully Secured Obtain Account
-> fully Confidentiality Guaranteed
-> 100% Achievement ensure
-> fully Free Exam Questions trial Questions
-> No Disguised . Cost
-> Absolutely no Monthly Expenses
-> No Programmed Account Restoration
-> PDII Quiz Update Appel by E mail
-> Free Tech support team

Quiz Detail with: https://killexams.com/pass4sure/exam-detail/PDII
Costs Details with: https://killexams.com/exam-price-comparison/PDII
Observe Complete Listing: https://killexams.com/vendors-exam-list

Discount Voucher on Total PDII exam dumps Actual Questions;
WC2020: 60 per cent Flat Price cut on each test
PROF17: 10% Further Price cut on Benefit Greater than $69
DEAL17: 15% Further Price cut on Benefit Greater than 99 dollars

PDII test Format | PDII Course Contents | PDII Course Outline | PDII test Syllabus | PDII test Objectives

The Salesforce Certified Platform Developer II program is designed for individuals who would like to demonstrate their skills and knowledge in advanced programmatic capabilities of the Lightning Platform and data modeling to develop complex business logic and interfaces. The candidate can design, develop, test, and deploy programmatic solutions that are maintainable and re-usable and follow design patterns and object-oriented programming best practices.
The Salesforce Platform Developer I credential is a prerequisite for the program. The Salesforce Certified Platform Developer II (PDII) certification will consist of two parts: a proctored multiple-choice test and four Trailhead Superbadges which replace the Programming Assignment. Similar to the Programming Assignment, superbadges show that you can apply what you've learned to advanced, real-world business requirements covering features, concepts, and scenarios that are essential for a Platform Developer II to know, including Apex programming, data integration and more.

This test guide is designed to help you evaluate if you are ready to successfully complete the Salesforce Certified Platform Developer II program. This guide provides information about the target audience for the certification program, recommended training and documentation, and a complete list of test objectives—all with the intent of helping you achieve a passing score. Salesforce highly recommends a combination of on-the-job experience, course attendance, and self-study to maximize your chances of passing the exam.
The Salesforce Certified Platform Developer II Multiple Choice test measures a candidates knowledge and skills related to the following objectives. A candidate should have hands-on experience developing custom applications on the Lightning Platform and have demonstrated the application of each of the features/functions below.
 Describe the capabilities of base-system objects such as sharing objects, history objects, metadata objects, multi-currency, and Chatter objects.
 Describe the different capabilities of and use cases for the various Salesforce development platforms (Heroku, Fuel, Lightning Platform).
 Describe how to design code that accommodates multi-language, multicurrency, multi-locale considerations.
 Describe the implications of compound data types in Apex programming.
 Describe the use cases for and benefits of external IDs.
 Identify use cases for different types of custom metadata and custom settings, and describe how to implement solutions for those use cases.
 Given a scenario, describe the implications of the order of execution of a record save.
 Describe the interactions between Visualforce/Apex with Flow/Process Builder.
 Given a scenario, identify the optimal programmatic or declarative solution.
 Given a scenario, debug unexpected behavior due to save execution order.
 Describe the Apex features available for error handling and maintaining transactional integrity.
 Identify potential issues with inefficient code and mitigation techniques to avoid exceeding governor limits.
 Describe the data return types for SOQL and SOSL queries and their impact on variable assignment.
 Describe the options, best practices, and use cases for asynchronous execution.
Weighting 33%
Weighting 5%
Weighting 7%
 Given a scenario, identify the appropriate dynamic Apex feature.
 Given a scenario, describe when and how to use Apex managed sharing.
 Describe the use cases for the various authentication techniques.
 Given a scenario, describe how to use a standard set controller.
 Describe the considerations when creating custom controllers and controller extensions.
 Describe the techniques for using Visualforce to perform actions and partial page refresh.
 Describe the messaging techniques and best practices when displaying errors in user interfaces.
 Describe techniques to maximize code re-use with Visualforce.
 Describe use cases for JavaScript in a Visualforce page.
 Given a set of requirements, describe the process for designing Lightning components.
 Describe the common performance issues for user interfaces and the techniques to mitigate them.
 Describe the considerations for query performance. INTEGRATION
 Describe how to expose Apex classes as SOAP and REST web services.
 Describe how to use system classes to integrate with SOAP- or RESTbased web services.
 Describe when and how to use metadata, streaming, and Analytics API to enhance Apex and Visualforce solutions.
 Describe the best practices for unit testing in Apex.
 Describe how to apply different techniques to create test data and responses.
 Describe the implications of testing Visualforce controllers and controller extensions.
 Describe various ways to execute tests and specify test execution options.
Weighting 20%
Weighting 12%
Weighting 11%
Weighting 7%
 Given a scenario, identify the appropriate tool to analyze application performance profiles and troubleshoot data and performance issues.
 Given a scenario, identify the appropriate deployment tool.

The Salesforce Certified Platform Developer II program is intended for an individual who has experience developing custom applications on the Lightning Platform, including practical application of the skills and concepts noted in the test objectives below.
The Salesforce Certified Platform Developer II generally has two to four years of experience as a developer, including at least one year of design, implementation, and deployment experience on the Lightning Platform.
The Salesforce Certified Platform Developer II candidate has the experience, skills, and knowledge outlined below:
 Understands the principles and best practices of Salesforce data modeling, interface design, code development, and testing, and can apply these principles in real-world development environments.
 Is capable of defining appropriate solutions to meet specific business challenges/process requirements to extend/customize the platform by applying knowledge of declarative and programmatic features of the Lightning Platform.
 Is competent developing Apex code that will scale to large data sets; has a good understanding of platform behaviors, limits, and performance considerations.
 Can build custom user interfaces to display and interact with Salesforce data using the Lightning Component Framework, advanced Visualforce, CSS, and JavaScript.
 Is competent tuning Visualforce pages and understands performance implications of the controller design.
 Understands and applies best practices for general web and Salesforce-specific security concerns.
 Can design and implement complex sharing models using declarative and programmatic methods.
 Can design and implement a test plan that ensures adequate quality (e.g., code coverage, application behaviors, scalability, environment independence, security) across application components.
 Can deploy custom applications, has a broad understanding of the Salesforce development lifecycle, and understands deployment tools and knows when to apply each tool.
 Understands and uses Apex SOAP and REST web services and how to call out from Apex using SOAP and REST.
 Understands and uses asynchronous programming – queueable, batchable, schedulable, @future, etc.
 Understands and applies appropriate techniques for error and exception handling in various programmatic contexts.
Implements best practices for trigger development and design patterns, other business logic development, and reuse.
 Knows how to surface Lightning Components on a Lightning page and with Quick Actions.
A candidate for this test is not expected to:
 Administer any standard Salesforce application.
 Design a technical architecture solution that spans multiple platforms and includes integration and authentication across systems.
 Develop and publish managed products on the App Exchange that require a security review.
 Create a Quick Action.
 Surface Lightning Components in all possible locations.
 Use all Salesforce APIs (i.e. metadata).

Killexams Review | Reputation | Testimonials | Feedback

Feeling difficulty in passing PDII exam? Questions Answers bank is here.
The PDII test is supposed to be a completely difficult test to pass however I passed it closing week in my first attempt. The killexams.com Questions Answers guided me well and I was nicely organized. Recommendation to other university college students - do not take this test lightly and test very well.

You just want a weekend for PDII test prep with these dumps.
Let me let you know, all I needed to do was an test in myself in killexams.com and everything changed into top after that. My PDII test appeared like a very easy challenge for the reason that I changed into so correctly prepared for it. I thank this site for lending me a helping hand.

I need real test questions of PDII exam.
There, please be informed that I have passed the PDII test with Killexams, which changed into my primary practice source, with a stable common mark. That will be valid test material, which I relatively suggest to each person remarks towards their IT certification. That is a reliable manner to put together and pass your IT exams. In my IT company, there is not someone who has not used/visible/heard/ of the killexams.com material. Not best do they help you skip, but they make certain that you studies and turn out to be a successful professional.

No waste time on searhching internet! located genuine material PDII Questions and Answers.
I pass in my PDII test and that was no longer a smooth pass but a Great one that I must inform everyone with proud steam filled in my lungs as I had were given 89% marks in my PDII test from studying from killexams.com.

I feel very confident by preparing PDII braindumps.
First of all, you believe you studied, just wait for desirable matters are available time. however, then your patience wears off and you gotta take a stand earlier than It is too past due. for the reason that my work entails more often than not dealing with a PDII client base, I determined to ace it and become he knows all about PDII dude inside the office. Upon a buddies steering, I attempted your PDII demo from killexams, cherished and it, and moved onto a buy. Your test simulator is gorgeous and today your study package has made me the brand new PDII supervisor.

Salesforce Developer Practice Questions

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 test dumps 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 test simulator. Visit Their trial questions and trial brain dumps, their test simulator and you will definitely know that killexams.com is the best brain dumps site.

Is Killexams.com Legit?
Sure, Killexams is 100% legit in addition to fully dependable. There are several options that makes killexams.com traditional and authentic. It provides current and 100% valid test dumps including real exams questions and answers. Price is minimal as compared to most of the services on internet. The Questions Answers are modified on typical basis with most accurate brain dumps. Killexams account set up and item delivery is really fast. Document downloading is unlimited as well as fast. Support is avaiable via Livechat and E mail. These are the characteristics that makes killexams.com a strong website that come with test dumps with real exams questions.

Which is the best braindumps site of 2022?
There are several Questions Answers provider in the market claiming that they provide real test Questions, Braindumps, Practice Tests, Study Guides, cheat sheet and many other names, but most of them are re-sellers that do not update their contents frequently. Killexams.com is best website of Year 2022 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 Questions Answers with the same frequency as they are updated in Real Test. test dumps 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 test Fast with improvement in your knowledge about latest course contents and subjects 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 Questions Answers will be provided in your get Account. You can get Premium test Dumps 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 Exam Center and Enjoy your Success.

SC-900 study guide | CFE-INVESTIGATIONS study questions | 2V0-21.20 braindumps | 300-720 free pdf | AWS-CSAP test Questions | SC-400 free practice tests | PCCET free test papers | DES-1721 Dumps | Salesforce-Consumer-Goods-Cloud writing test questions | SC-300 study guide | MS-101 dump questions | CAPM test questions | ServiceNow-CSA pass test | Salesforce-Certified-Advanced-Administrator brain dumps | SBAC test Questions | 350-201 PDF Dumps | NCLEX-RN Real test Questions | PMP brain dumps | DES-DD23 PDF Braindumps | MB-230 test Cram |

PDII - Salesforce Certified Platform Developer II (PDII) test prep
PDII - Salesforce Certified Platform Developer II (PDII) PDF Download
PDII - Salesforce Certified Platform Developer II (PDII) book
PDII - Salesforce Certified Platform Developer II (PDII) test Questions
PDII - Salesforce Certified Platform Developer II (PDII) Practice Questions
PDII - Salesforce Certified Platform Developer II (PDII) course outline
PDII - Salesforce Certified Platform Developer II (PDII) Latest Questions
PDII - Salesforce Certified Platform Developer II (PDII) syllabus
PDII - Salesforce Certified Platform Developer II (PDII) test Cram
PDII - Salesforce Certified Platform Developer II (PDII) study help
PDII - Salesforce Certified Platform Developer II (PDII) test
PDII - Salesforce Certified Platform Developer II (PDII) Free test PDF
PDII - Salesforce Certified Platform Developer II (PDII) syllabus
PDII - Salesforce Certified Platform Developer II (PDII) tricks
PDII - Salesforce Certified Platform Developer II (PDII) test Cram
PDII - Salesforce Certified Platform Developer II (PDII) Latest Questions
PDII - Salesforce Certified Platform Developer II (PDII) testing
PDII - Salesforce Certified Platform Developer II (PDII) Free test PDF
PDII - Salesforce Certified Platform Developer II (PDII) Practice Test
PDII - Salesforce Certified Platform Developer II (PDII) Dumps
PDII - Salesforce Certified Platform Developer II (PDII) Cheatsheet
PDII - Salesforce Certified Platform Developer II (PDII) Question Bank
PDII - Salesforce Certified Platform Developer II (PDII) study help
PDII - Salesforce Certified Platform Developer II (PDII) Latest Questions
PDII - Salesforce Certified Platform Developer II (PDII) PDF Braindumps
PDII - Salesforce Certified Platform Developer II (PDII) Latest Questions
PDII - Salesforce Certified Platform Developer II (PDII) information hunger
PDII - Salesforce Certified Platform Developer II (PDII) Cheatsheet
PDII - Salesforce Certified Platform Developer II (PDII) test Questions
PDII - Salesforce Certified Platform Developer II (PDII) test Cram
PDII - Salesforce Certified Platform Developer II (PDII) cheat sheet
PDII - Salesforce Certified Platform Developer II (PDII) book
PDII - Salesforce Certified Platform Developer II (PDII) answers
PDII - Salesforce Certified Platform Developer II (PDII) learning
PDII - Salesforce Certified Platform Developer II (PDII) PDF Braindumps
PDII - Salesforce Certified Platform Developer II (PDII) outline
PDII - Salesforce Certified Platform Developer II (PDII) techniques
PDII - Salesforce Certified Platform Developer II (PDII) Latest Topics
PDII - Salesforce Certified Platform Developer II (PDII) PDF Download
PDII - Salesforce Certified Platform Developer II (PDII) book
PDII - Salesforce Certified Platform Developer II (PDII) test dumps
PDII - Salesforce Certified Platform Developer II (PDII) testing
PDII - Salesforce Certified Platform Developer II (PDII) tricks
PDII - Salesforce Certified Platform Developer II (PDII) book
PDII - Salesforce Certified Platform Developer II (PDII) certification
PDII - Salesforce Certified Platform Developer II (PDII) test dumps
PDII - Salesforce Certified Platform Developer II (PDII) test dumps
PDII - Salesforce Certified Platform Developer II (PDII) cheat sheet
PDII - Salesforce Certified Platform Developer II (PDII) PDF Download
PDII - Salesforce Certified Platform Developer II (PDII) braindumps
PDII - Salesforce Certified Platform Developer II (PDII) testing
PDII - Salesforce Certified Platform Developer II (PDII) guide
PDII - Salesforce Certified Platform Developer II (PDII) exam

Salesforce-nCino-201 free test papers | Javascript-Developer-I bootcamp | Salesforce-Certified-User-Experience-Designer test questions | CRT-450 practice test | Salesforce-Certified-Marketing-Cloud-Consultant Practice Questions | CPQ-211 cheat sheet | Salesforce-Consumer-Goods-Cloud test Questions | Salesforce-Certified-Sales-Cloud-Consultant Dumps | CRT-271 test prep | Salesforce-Certified-Advanced-Administrator dump | Nonprofit-Cloud-Consultant dump questions | CPQ-201 Study Guide | PDI braindumps | Marketing-Cloud-Consultant mock test | Salesforce.Field-Service-Lightning-Consultant Free test PDF | Salesforce-Certified-B2C-Commerce-Developer practical test | PDII test answers | Salesforce-Certified-Identity-and-Access-Management-Designer test Questions | Salesforce-Certified-CPQ-Specialist test papers | Integration-Architecture-Designer test tips |

Best Certification test Dumps You Ever Experienced

CPQ-211 test prep | Salesforce-Certified-Marketing-Cloud-Email-Specialist test example | ADM211 dump questions | Salesforce-nCino-201 test papers | PDX-101 study guide | CRT-271 dump questions | Salesforce-Certified-Advanced-Administrator mock test | Salesforce-Certified-Education-Cloud-Consultant test preparation | Industries-CPQ-Developer test dumps | DEX-450 trial test | Salesforce-Certified-Identity-and-Access-Management-Designer test prep | Integration-Architecture-Designer test questions | PDII model question | Salesforce-Marketing-Cloud-Developer free prep | CRT-160 test prep | DEV-501 Questions Answers | CRT-450 practice test | CPQ-201 mock questions | ADX-271 free practice tests | Salesforce-Experience-Cloud-Consultant test answers |

References :


Similar Websites :
Pass4sure Certification test dumps
Pass4Sure test Questions and Dumps

Direct Download

PDII 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.

PDII Reviews

100% Valid and Up to Date PDII 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 oder Cyberattacken sind in der Regel die Szenarien, die die Presse dominieren. Häufig wird von spektakulären Datendiebstählen auf große Firmen oder von weltweiten Angriffen mit sogenannten Kryptotrojanern berichtet. Opfer kann am Ende aber jeder werden. Ziele, Methoden und auch das Interesse sind vielfältig. Neben dem finanziellen Interesse können Hackerangriffe auch zur Spionage oder Sabotage eingesetzt werden. Mögliche Hackermethoden sind unter anderem: Social Engineering, Trojaner, DoS-Attacken oder Viren.

Physischer Angriff

Die Zielsetzung eines physischen Angriffs ist ähnlich dem eines Hacker­angriffs. Dabei wird nicht auf die Tools eines Hackerangriffs zurückgegriffen, sondern durch das physische Eindringen in Unternehmensgebäude das Ziel erreicht. Häufig sind es Mitarbeiter, die vertrauliche Informationen stehlen, da sie bereits den notwendigen Zugang zu den Daten besitzen.


Obwohl die Erpressung aufgrund der eingesetzten Methoden auch als Hacker­angriff gewertet werden könnte, ergibt eine Differenzierung Sinn. Erpressungsfälle durch Kryptotrojaner sind eines der häufigsten Schadenszenarien für kleinere und mittelständische Unternehmen. Außerdem sind auch Erpressungsfälle denkbar, bei denen sensible Daten gestohlen wurden und ein Lösegeld gefordert wird, damit sie nicht veröffentlicht oder weiterverkauft werden.

Ihre Cyberversicherung sollte zumindet folgende Schäden abdecken:


  • Soforthilfe und Forensik-Kosten (Kosten der Ursachenermittlung, Benachrichtigungskosten und Callcenter-Leistung)
  • Krisenkommunikation / PR-Maßnahmen
  • Systemverbesserungen nach einer Cyber-Attacke
  • Aufwendungen vor Eintritt des Versicherungsfalls

Cyber-Drittschäden (Haftpflicht):

  • Befriedigung oder Abwehr von Ansprüchen Dritter
  • Rechtswidrige elektronische Kommunikation
  • Ansprüche der E-Payment-Serviceprovider
  • Vertragsstrafe wegen der Verletzung von Geheimhaltungspflichten und Datenschutzvereinbarungen
  • Vertragliche Schadenersatzansprüche
  • Vertragliche Haftpflicht bei Datenverarbeitung durch Dritte
  • Rechtsverteidigungskosten


  • Betriebsunterbrechung
  • Betriebsunterbrechung durch Ausfall von Dienstleister (optional)
  • Mehrkosten
  • Wiederherstellung von Daten (auch Entfernen der Schadsoftware)
  • Cyber-Diebstahl: elektronischer Zahlungsverkehr, fehlerhafter Versand von Waren, Telefon-Mehrkosten/erhöhte Nutzungsentgelte
  • Cyber-Erpressung
  • Entschädigung mit Strafcharakter/Bußgeld
  • Ersatz-IT-Hardware
  • Cyber-Betrug