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.
2024 Updated Actual PDII questions as experienced in Test Center
Aktuelle PDII Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz
E html>Salesforce PDII : Salesforce Certified Platform Developer II (PDII) exam DumpsExam Dumps Organized by Martha nods |
Latest 2024 Updated Salesforce Salesforce Certified Platform Developer II (PDII) Syllabus
PDII cheatsheet / Braindumps contains genuine exam Questions
Practice Tests and Free VCE Software - Questions Updated on Daily Basis
Big Discount / Cheapest price & 100% Pass Guarantee
PDII Exam Center Questions : Download 100% Free PDII cheatsheet (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
Real Questions and Dumps for PDII exam
Before taking the genuine exam, ensure that you have a copy of their genuine Salesforce PDII Test Prep for your Salesforce Certified Platform Developer II (PDII) exam preparation. They provide the most updated and valid PDII Dumps, containing genuine test questions that they have collected from real exams.
If you're looking to pass the Salesforce PDII exam in order to find a highly paid job or advance in your current organization, then you should register at killexams.com. There, you will find many professionals who gather real PDII exam questions to ensure your success. You'll receive updated Salesforce Certified Platform Developer II (PDII) exam questions each time you log in to your account, ensuring that you're always up-to-date. Although there are other providers offering PDII exam dumps, it's important to remember that not all of them are legit or up-to-date. Beware of free dumps found on the web, as they may not be reliable and could cause you to fail the exam. It's better to invest in killexams PDII genuine questions and pay a small fee, rather than risking a big exam fee.
With PDII Real exam Questions in PDF format, you can easily access and memorize the PDII exam dumps on any device such as an iPad, iPhone, PC, smart TV, or android device. This saves you precious time and allows you to study the PDII Exam Braindumps at your convenience, increasing your chances of success. Practice PDII Real exam Questions with the VCE exam simulator until you're confident and can achieve a 100% mark. Once you feel ready, you can head to the Exam Center for the real PDII exam.
We provide genuine PDII exam Braindumps Exam Braindumps in two file formats: PDII PDF and PDII VCE exam simulator. Pass the Salesforce PDII exam quickly and effectively with their help. You can read the PDII exam dumps PDF format on any device, and you can even print PDII Real exam Questions to create your own study guide. Their pass rate is 98.9%, and the similarity between their PDII study guide and the real exam is 98%. If you want to pass the genuine PDII exam in just one attempt, visit killexams.com straight away.
PDII exam Format | PDII Course Contents | PDII Course Outline | PDII exam Syllabus | PDII exam 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 exam 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 exam 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 exam 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 exam 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.
SALESFORCE FUNDAMENTALS
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).
DATA MODELING AND MANAGEMENT
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.
LOGIC AND PROCESS AUTOMATION
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%
SALESFORCE CERTIFIED PLATFORM DEVELOPER I I
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.
USER INTERFACE
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.
PERFORMANCE
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.
TESTING
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%
SALESFORCE CERTIFIED PLATFORM DEVELOPER II DEBUG AND DEPLOYMENT TOOLS
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.
SECTION 2. AUDIENCE DESCRIPTION: SALESFORCE CERTIFIED PLATFORM DEVELOPER II
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 exam 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 exam 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
Is there any way to pass PDII exam at first attempt?
With the help of killexams.com, I scored 92% marks in my PDII certification. As I was looking for dependable test material to Strengthen my knowledge stage, technical concepts, and tough language of my certification made it hard to understand. The guidance of this website made the process smooth, and I am feeling appropriate for my fulfillment.
Unbelieveable normal overall performance updated PDII exam and study guide.
I scored 97% marks on the PDII exam after only 10 days of preparation with killexams.com. I am highly satisfied with the result. While there may be other great resources for associate-level certifications, for expert-level exams, I think killexams.com is the best option, especially with the exam simulator that provides an authentic exam experience. It's an incredible brain dump and a great test guide, which is rare for difficult exams.
Where am i able to download PDII updated dumps?
I am thrilled to have scored 90% on my PDII exam thanks to killexams.com's online test simulator and study material. I was initially unsure about the accuracy of the material but was pleasantly surprised by how well prepared I felt after taking the test.
Passing the PDII exam with enough information.
I could not have passed the PDII exam without the practice kit provided by killexams.com. Their reliable and clear practice tool helped me prepare for the exam efficiently, and I am grateful to them. The questions in the package are genuine, and the exam simulator completely simulates the PDII exam, making it an excellent tool for busy IT professionals.
Do you know the fastest way to pass PDII exam? I've got it.
I am thrilled to have passed my PDII exam with a nearly perfect score of 98% thanks to Killexams! The material in the package is accurate and valid, just like the questions on my genuine exam. I was able to answer most of the questions easily, and some of the extra questions were very similar to the ones covered in the test guide, so I had no trouble answering them. This not only helped me expand my professional knowledge, but it also gave me a smooth path to my PDII certification.
Salesforce Certified Free exam PDF
https://www.pass4surez.com/art/read.php?keyword=Salesforce+Certified+Free+Exam+PDF&lang=us&links=remove
Obviously it is hard task to pick solid certification Braindumps concerning review, reputation and validity since individuals get scam because of picking bad service. Killexams.com ensure to serve its customers best to its value concerning cheatsheet update and validity. The vast majority of customers scam by resellers come to us for the cheatsheet and pass their exams cheerfully and effectively. They never trade off on their review, reputation and quality because killexams review, killexams reputation and killexams customer certainty is vital to us. Specially they deal with killexams.com review, killexams.com reputation, killexams.com scam report grievance, killexams.com trust, killexams.com validity, killexams.com report. In the event that you see any false report posted by their competitors with the name killexams scam report, killexams.com failing report, killexams.com scam or something like this, simply remember there are several terrible individuals harming reputation of good administrations because of their advantages. There are a great many successful clients that pass their exams utilizing killexams.com exam dumps, killexams PDF questions, killexams questions bank, killexams VCE exam simulator. Visit their specimen questions and test exam dumps, their exam simulator and you will realize that killexams.com is the best brain dumps site.
Which is the best dumps website?
Sure, Killexams is totally legit as well as fully well-performing. There are several options that makes killexams.com reliable and legit. It provides informed and totally valid cheatsheet made up of real exams questions and answers. Price is surprisingly low as compared to almost all the services on internet. The Braindumps are up to date on usual basis by using most accurate brain dumps. Killexams account launched and supplement delivery is quite fast. Submit downloading can be unlimited and extremely fast. Assist is avaiable via Livechat and E mail. These are the features that makes killexams.com a strong website that supply cheatsheet with real exams questions.
Is killexams.com test material dependable?
There are several Braindumps provider in the market claiming that they provide genuine exam Questions, Braindumps, Practice Tests, Study Guides, cheat sheet and many other names, but most of them are re-sellers that do not update their contents frequently. Killexams.com is best website of Year 2024 that understands the issue candidates face when they spend their time studying obsolete contents taken from free pdf download sites or reseller sites. Thats why killexams.com update exam Braindumps with the same frequency as they are updated in Real Test. cheatsheet provided by killexams.com are Reliable, Up-to-date and validated by Certified Professionals. They maintain dumps collection of valid Questions that is kept up-to-date by checking update on daily basis.
If you want to Pass your exam Fast with improvement in your knowledge about latest course contents and courses of new syllabus, They recommend to download PDF exam Questions from killexams.com and get ready for genuine 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 Braindumps will be provided in your download Account. You can download Premium cheatsheet files as many times as you want, There is no limit.
Killexams.com has provided VCE practice test Software to Practice your exam by Taking Test Frequently. It asks the Real exam Questions and Marks Your Progress. You can take test as many times as you want. There is no limit. It will make your test prep very fast and effective. When you start getting 100% Marks with complete Pool of Questions, you will be ready to take genuine Test. Go register for Test in Exam Center and Enjoy your Success.
C1000-024 cheat sheet | HPE2-W07 cheat sheets | 1T6-521 Latest courses | C1000-129 free online test | MD-102 practice test | PSNCB-CANS exam papers | FNP-BC practice exam | C1000-173 dumps | CTAL-TA question test | MS-740 test sample | CPP-CPA model question | CCRA online exam | CMQ-OE dump | C1000-112 study material | MB-330 past bar exams | HCISPP exam questions | HS330 online exam | GMAT-Verbal questions answers | NS0-527 exam answers | NE-BC practice questions |
PDII - Salesforce Certified Platform Developer II (PDII) braindumps
PDII - Salesforce Certified Platform Developer II (PDII) questions
PDII - Salesforce Certified Platform Developer II (PDII) book
PDII - Salesforce Certified Platform Developer II (PDII) Study Guide
PDII - Salesforce Certified Platform Developer II (PDII) exam dumps
PDII - Salesforce Certified Platform Developer II (PDII) exam dumps
PDII - Salesforce Certified Platform Developer II (PDII) Questions and Answers
PDII - Salesforce Certified Platform Developer II (PDII) Latest Topics
PDII - Salesforce Certified Platform Developer II (PDII) study tips
PDII - Salesforce Certified Platform Developer II (PDII) syllabus
PDII - Salesforce Certified Platform Developer II (PDII) guide
PDII - Salesforce Certified Platform Developer II (PDII) learn
PDII - Salesforce Certified Platform Developer II (PDII) braindumps
PDII - Salesforce Certified Platform Developer II (PDII) tricks
PDII - Salesforce Certified Platform Developer II (PDII) boot camp
PDII - Salesforce Certified Platform Developer II (PDII) study tips
PDII - Salesforce Certified Platform Developer II (PDII) exam Cram
PDII - Salesforce Certified Platform Developer II (PDII) Real exam Questions
PDII - Salesforce Certified Platform Developer II (PDII) PDF Questions
PDII - Salesforce Certified Platform Developer II (PDII) Cheatsheet
PDII - Salesforce Certified Platform Developer II (PDII) PDF Download
PDII - Salesforce Certified Platform Developer II (PDII) study help
PDII - Salesforce Certified Platform Developer II (PDII) PDF Download
PDII - Salesforce Certified Platform Developer II (PDII) test
PDII - Salesforce Certified Platform Developer II (PDII) exam Questions
PDII - Salesforce Certified Platform Developer II (PDII) PDF Download
PDII - Salesforce Certified Platform Developer II (PDII) boot camp
PDII - Salesforce Certified Platform Developer II (PDII) test
PDII - Salesforce Certified Platform Developer II (PDII) real questions
PDII - Salesforce Certified Platform Developer II (PDII) teaching
PDII - Salesforce Certified Platform Developer II (PDII) exam
PDII - Salesforce Certified Platform Developer II (PDII) exam success
PDII - Salesforce Certified Platform Developer II (PDII) exam
PDII - Salesforce Certified Platform Developer II (PDII) Practice Test
PDII - Salesforce Certified Platform Developer II (PDII) Questions and Answers
PDII - Salesforce Certified Platform Developer II (PDII) PDF Questions
PDII - Salesforce Certified Platform Developer II (PDII) PDF Questions
PDII - Salesforce Certified Platform Developer II (PDII) test
PDII - Salesforce Certified Platform Developer II (PDII) PDF Questions
PDII - Salesforce Certified Platform Developer II (PDII) exam Questions
PDII - Salesforce Certified Platform Developer II (PDII) cheat sheet
PDII - Salesforce Certified Platform Developer II (PDII) PDF Dumps
PDII - Salesforce Certified Platform Developer II (PDII) exam contents
PDII - Salesforce Certified Platform Developer II (PDII) exam Questions
Other Salesforce exam Dumps
ADX-271 test prep | CRT-450 exam prep | Salesforce-Security-Privacy-Accredited-Professional braindumps | Javascript-Developer-I PDF Download | DEX-403 real questions | ADM-201 practice test | DEV-450 cbt | CPQ-211 training material | Salesforce-Health-Cloud-Accredited-Professional Study Guide | Salesforce-Manufacturing-Cloud-Professional past exams | PDX-101 braindumps | Salesforce-Consumer-Goods-Cloud prep questions | Salesforce-Financial-Services-Cloud Latest Questions | Salesforce-nCino-201 Real exam Questions | PDI real questions | Service-Cloud-Consultant brain dumps | Nonprofit-Cloud-Consultant Practice Questions | Salesforce-Certified-Marketing-Cloud-Consultant mock questions | DEV-401 study guide | ADM-211 exam questions |
Best cheatsheet You Ever Experienced
101 cheat sheet | NSE6 online exam | DEA-5TT1 real questions | CRA braindumps | C1000-126 english test questions | ISSMP Free exam PDF | HPE0-V14 genuine Questions | MCAT sample test questions | 312-85 mock exam | C1000-065 test prep | PB0-200 practice exam | CCC questions and answers | NCAC-II sample questions | Salesforce-Certified-CPQ-Specialist assessment test sample | C1000-101 practice exam | 050-701 writing test questions | IIBA-AAC test exam | H12-221 free pdf | 2B0-101 training material | SPLK-1003 practice questions |
References :
https://www.instapaper.com/read/1317015519
https://killexams-posting.dropmark.com/817438/23644618
https://killexams-posting.dropmark.com/817438/23674225https://killexams-posting.dropmark.com/817438/23674225
http://killexams-braindumps.blogspot.com/2020/06/pdii-certification-training-and-exam.html
https://files.fm/f/df98c625
https://www.coursehero.com/file/67821039/Salesforce-Certified-Platform-Developer-II-PDII-PDIIpdf/
https://youtu.be/qLwrfW_ixwI
https://sites.google.com/view/killexams-pdii-kw5
http://feeds.feedburner.com/ExactlySamePdiiDumpsQuestionsAsInRealTestWtf
Similar Websites :
Pass4sure Certification exam dumps
Pass4Sure exam Questions and Dumps
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.
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
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