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 PL-200?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der PL-200: Microsoft Power Platform Functional Consultant Prüfung.

2024 Updated Actual PL-200 questions as experienced in Test Center

Aktuelle PL-200 Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz

PL-200 braindump questions - Microsoft Power Platform Functional Consultant | https://www.easyfinanz.cc/

Microsoft PL-200 : Microsoft Power Platform Functional Consultant ACTUAL EXAM QUESTIONS

Exam Dumps Organized by Martha nods



Latest 2024 Updated Microsoft Microsoft Power Platform Functional Consultant Syllabus
PL-200 ACTUAL EXAM QUESTIONS / Braindumps contains actual test Questions

Practice Tests and Free VCE Software - Questions Updated on Daily Basis
Big Discount / Cheapest price & 100% Pass Guarantee




PL-200 Test Center Questions : Download 100% Free PL-200 ACTUAL EXAM QUESTIONS (PDF and VCE)

Exam Number : PL-200
Exam Name : Microsoft Power Platform Functional Consultant
Vendor Name : Microsoft
Update : Click Here to Check Latest Update
Question Bank : Check Questions

High Scores in PL-200 test with these Exam Questions
At killexams.com, they offer PL-200 examination questions with a 100% pass assurance. You need to practice PL-200 questions for at least one day to score well on the Microsoft Power Platform Functional Consultant exam. Your real task in the PL-200 test actually starts with killexams.com, which is great and legitimate.

Our PDF Download has helped a huge number of candidates successfully pass the PL-200 test and secure lucrative positions in their respective organizations. However, their success is not solely attributed to their PL-200 PDF Dumps, but also to their enhanced knowledge and proficiency in real-world scenarios. They are committed to not just providing a comprehensive set of mock test to pass the PL-200 exam, but also to improving understanding of PL-200 syllabus and objectives.

At killexams.com, they strive to clarify all PL-200 course formats, syllabi, and objectives for candidates preparing for the Microsoft PL-200 exam. Simply relying on the PL-200 course textbook is not sufficient as one needs to be prepared for tricky situations and questions that may arise during the actual PL-200 exam. Therefore, they offer Free PL-200 PDF test questions that can be downloaded from their website. They are confident that after reviewing their Microsoft Power Platform Functional Consultant questions, candidates will be eager to register and obtain the full version of their PDF Download at an attractive discounted price. This will be the first step towards success in the Microsoft Power Platform Functional Consultant exam.

To further aid in preparation, they recommend installing the PL-200 VCE test simulator on your computer and regularly taking practice questions with it. When you feel ready to take the actual PL-200 exam, simply visit a Test Center and register for the exam.







PL-200 test Format | PL-200 Course Contents | PL-200 Course Outline | PL-200 test Syllabus | PL-200 test Objectives


Exam ID : PL-200

Exam Name : Microsoft Power Platform Functional Consultant



Candidates for this test perform discovery, capture requirements, engage subject matter experts and stakeholders, translate requirements, and configure Power Platform solutions and apps. They create application enhancements, custom user experiences, system integrations, data conversions, custom process automation, and custom visualizations.



Candidates implement the design provided by and in collaboration with a solution architect and the standards, branding, and artifacts established by User Experience Designers. They design integrations to provide seamless integration with third party applications and services.



Candidates actively collaborate with quality assurance team members to ensure that solutions meet functional and non-functional requirements. They identify, generate, and deliver artifacts for packaging and deployment to DevOps engineers, and provide operations and maintenance training to Power Platform administrators.



Power Platform Functional Consultants should be familiar with Dynamics 365 model-driven applications and should have experience using the Power Platform components to extend and customize Dynamics 365 model-driven applications.



Configure the Common Data Service (25-30%)

Create apps by using Power Apps (20-25%)

Create and manage Power Automate (15-20%)

Implement Power Virtual Agents chatbots (10-15%)

Integrate Power Apps with other apps and services (15-20%)



Configure the Common Data Service (25-30%)

Manage an existing data model

 assign a type for an entity including standard, activity, or virtual

 configure entity ownership

 create new entities or modify existing entities

 determine which type of relationship to implement including 1: N and N: N

 configure entity relationship behaviors including cascading rules

 create new relationships or modify existing relationships

 create new fields or modify existing fields

 create alternate keys for entities

 configure entity properties

Create and manage processes

 define requirements for business rules

 define and implement business rule logic

 define the scope for business rules

 configure and test business rules

 configure a synchronous classic workflow

Configure Common Data Service settings

 configure Relevance Search

 configure auditing

 perform data management tasks

 configure duplicate detection settings

Configure security settings

 create and manage business units

 create and manage security roles

 create and manage users and teams

 create and manage field security profiles

 configure hierarchy security

Create apps by using Power Apps (20-25%)

Create model-driven apps

 create and configure forms

 create and configure views

 create and configure charts

 create and configure dashboards

 configure site maps

 select applicable assets for an app including entities, forms, views, business process

flows, dashboards, and charts

 share a model-drive app

Create canvas apps

 create a canvas app

 configure the Common Data Service as a data source for an app

 create canvas app screens

 implement form navigation, formulas, variables and collections, and error handling

 build reusable components and component libraries

 configure offline capabilities for apps

 run Power Automate flows based on actions that occur in a canvas app

 interpret App Checker results and resolve identified issues

 test, monitor, and share apps

Create portal apps

 create a portal app

 expose Common Data Service data

 configure portal web pages, forms, and navigation

 configure portal security including web roles and page access

Create and manage Power Automate (15-20%)

Create flows

 describe types of flows and flow components

 trigger a flow by using Common Data Service connectors

 run actions by using the Common Data Service connector

 implement logic control

 implement dynamic content and expressions

 interpret and act on Flow Checker results

 activate and deactivate flows

 interpret flow analytic data

Create and manage business process flows

 configure a business process flow

 add business rules, workflows, and action steps to a business process flow

 define stages and steps

 configure parallel branches

 manage the business process flow entity for a business process flow

Build UI flows

 describe types of UI flows

 identify use cases for UI flows

 differentiate between attended and unattended UI flows

 record business process tasks

Implement Power Virtual Agents chatbots (10-15%)

Create chatbot

 assign a chatbot to an environment

 publish a chatbot

 share a chatbot

 add chatbots to Teams and other channels

 monitor and diagnose bot performance, usage, and course usage

Configure syllabus

 define course conversation triggers

 create questions, messages, and conditions

 extract syllabus from a web page

 implement greetings, escalations, error messages, and statuses

 call a Power Automate flow to run an action

Configure entities

 create custom entities

 implement entities in conversations

 implement variables to store data

Integrate Power Apps with other apps and services (15-20%)

Integrate Power BI with Power Apps

 create Power BI visualizations

 create data flows and schedule data flow runs

 filter data

 build reports and dashboards

 publish and share reports and dashboards

 add Power BI tiles to model-driven apps and canvas app

 add canvas apps to a Power BI dashboard

 trigger Power Automate flows from Power BI alerts

Implement AI Builder

 determine which AI Builder model type to use

 create an AI Builder model

 prepare source data for use by models

 train, test, and publish a model

 consume a model by using Power Apps

 consume a model by using Power Automate

Integrate Power Apps with Microsoft 365

 add apps to Microsoft Teams

 create a Teams app from a Power Apps app

 configure app policies

 create a Teams channel by using Power Automate

 configure and use Microsoft Word and Microsoft Excel templates

Implement Power Virtual Agents chatbots (10-15%)

Create chatbot

 assign a chatbot to an environment

 publish a chatbot

 share a chatbot

 add chatbots to Teams and other channels

 monitor and diagnose bot performance, usage, and course usage

Configure syllabus

 define course conversation triggers

 create questions, messages, and conditions

 extract syllabus from a web page

 implement greetings, escalations, error messages, and statuses

 call a Power Automate flow to run an action

Configure entities

 create custom entities

 implement entities in conversations

 implement variables to store data

Integrate Power Apps with other apps and services (15-20%)

Integrate Power BI with Power Apps

 create Power BI visualizations

 create data flows and schedule data flow runs

 filter data

 build reports and dashboards

 publish and share reports and dashboards

 add Power BI tiles to model-driven apps and canvas apps

 add canvas apps to a Power BI dashboard

 trigger Power Automate flows from Power BI alerts

Implement AI Builder

 determine which AI Builder model type to use

 create an AI Builder model

 prepare source data for use by models

 train, test, and publish a model

 consume a model by using Power Apps

 consume a model by using Power Automate

Integrate Power Apps with Microsoft 365

 add apps to Microsoft Teams

 create a Teams app from a Power Apps app

 create an app directly in Teams

 configure app policies

 create a Teams channel by using Power Automate

 configure and use Microsoft Word and Microsoft Excel templates



Killexams Review | Reputation | Testimonials | Feedback


Real Questions & Answers latest PL-200 test are remarkable!
Killexams.com and its PL-200 test examples papers are a pleasant and easy manner to ace online exams. They are a real image of the very last test of PL-200 test tests, and my score in the very last test is 95%. Killexams.com is a product for individuals who want to move on in their life and need to do something more normal. The PL-200 trial test has the potential to enhance your self-assurance level.


So easy study latest PL-200 test with this question bank.
I am not a fan of online braindumps, but I am a permanent user of killexams.com. This organization provides valid question answers that help you pass your test easily. That's how I passed the PL-200 exam. The first time, I relied on loose online stuff and failed. However, I passed the second time using the killexams.com PL-200 test simulator. Thank you, killexams.com.


Actual mock test latest PL-200 test are awesome!
Thanks to killexams.com, I was able to pass the challenging PL-200 exam. Studying for this test on my own would have taken me a long time, but with the help of killexams.com questions, memorization was effortless. One of the best things about the questions provided by killexams.com is that they are accurate and reflect what you will see on the exam, which gives you a competitive advantage in securing the PL-200 certification for your resume.


excellent source updated great dumps, correct answers.
Obtaining an PL-200 certificate can provide many opportunities for improving one's safety expertise in their profession. As someone who wanted to expand my knowledge in data protection and become certified, I turned to killexams.com for help and started my PL-200 test preparation using their test cram. The PL-200 test cram made it easy for me to memorize the necessary information and helped me achieve my desired results. Thanks to killexams.com, I can confidently say that I passed my PL-200 test on my first attempt.


No problem! 24 hrs preparation of PL-200 test is required.
Despite trying several books, I was disappointed that I could not find the right study materials. I was looking for a comprehensive guide to prepare for the PL-200 exam, with easy-to-understand and well-organized content. Thankfully, killexams.com mock test met my needs perfectly by explaining complex syllabus in a simple manner. I exceeded my own expectations by achieving a score of 89% in the real exam. Thank you, killexams.com, for providing such an excellent guide.


Microsoft Functional PDF Braindumps

   


Unquestionably it is hard assignment to pick dependable certification questions/answers assets regarding review, reputation and validity since individuals get sham because of picking incorrectly benefit. Killexams.com ensure to serve its customers best to its assets concerning ACTUAL EXAM QUESTIONS update and validity. The vast majority of other's sham report dissension customers come to us for the brain dumps and pass their exams joyfully and effortlessly. They never trade off on their review, reputation and quality on the grounds that killexams review, killexams reputation and killexams customer certainty is imperative to us. Uniquely they deal with killexams.com review, killexams.com reputation, killexams.com sham report objection, killexams.com trust, killexams.com validity, killexams.com report and killexams.com scam. On the off chance that you see any false report posted by their rivals with the name killexams sham report grievance web, killexams.com sham report, killexams.com scam, killexams.com protest or something like this, simply remember there are constantly awful individuals harming reputation of good administrations because of their advantages. There are a huge number of fulfilled clients that pass their exams utilizing killexams.com brain dumps, killexams PDF questions, killexams hone questions, killexams test simulator. Visit Killexams.com, their specimen questions and test brain dumps, their test simulator and you will realize that killexams.com is the best brain dumps site.

Which is the best dumps website?
Of course, Killexams is completely legit along with fully good. There are several benefits that makes killexams.com realistic and legitimized. It provides current and completely valid ACTUAL EXAM QUESTIONS including real exams questions and answers. Price is suprisingly low as compared to most of the services on internet. The mock test are kept up to date on usual basis utilizing most accurate brain dumps. Killexams account method and product or service delivery is incredibly fast. Report downloading is definitely unlimited and really fast. Assistance is avaiable via Livechat and Electronic mail. These are the characteristics that makes killexams.com a robust website that include ACTUAL EXAM QUESTIONS with real exams questions.



Is killexams.com test material dependable?
There are several mock test provider in the market claiming that they provide actual 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 2024 that understands the issue candidates face when they spend their time studying obsolete contents taken from free pdf obtain sites or reseller sites. Thats why killexams.com update test mock test with the same frequency as they are updated in Real Test. ACTUAL EXAM QUESTIONS provided by killexams.com are Reliable, Up-to-date and validated by Certified Professionals. They maintain examcollection 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 obtain PDF test Questions from killexams.com and get ready for actual 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 obtain Account. You can obtain Premium ACTUAL EXAM QUESTIONS 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 actual Test. Go register for Test in Test Center and Enjoy your Success.




3X0-203 writing test questions | HPE0-V14 Cheatsheet | 010-151 braindumps | F50-522 certification trial | 200-710 test prep | Salesforce-CDP dumps | SPLK-2001 practice test | CRT-450 trial questions | 500-470 practice test | H12-222 Dumps | IQ0-100 question test | H12-111_V2.5-ENU examcollection | PgMP test questions | HPE0-S22 Latest Questions | CIS-FSM past exams | FCESP free test papers | KCNA study questions | 512-50 Latest syllabus | S90.19A model question | GE0-806 braindump questions |


PL-200 - Microsoft Power Platform Functional Consultant dumps
PL-200 - Microsoft Power Platform Functional Consultant PDF Questions
PL-200 - Microsoft Power Platform Functional Consultant PDF Download
PL-200 - Microsoft Power Platform Functional Consultant cheat sheet
PL-200 - Microsoft Power Platform Functional Consultant Real test Questions
PL-200 - Microsoft Power Platform Functional Consultant PDF Questions
PL-200 - Microsoft Power Platform Functional Consultant ACTUAL EXAM QUESTIONS
PL-200 - Microsoft Power Platform Functional Consultant test contents
PL-200 - Microsoft Power Platform Functional Consultant Real test Questions
PL-200 - Microsoft Power Platform Functional Consultant learn
PL-200 - Microsoft Power Platform Functional Consultant test
PL-200 - Microsoft Power Platform Functional Consultant information hunger
PL-200 - Microsoft Power Platform Functional Consultant testing
PL-200 - Microsoft Power Platform Functional Consultant PDF Questions
PL-200 - Microsoft Power Platform Functional Consultant braindumps
PL-200 - Microsoft Power Platform Functional Consultant Free test PDF
PL-200 - Microsoft Power Platform Functional Consultant tricks
PL-200 - Microsoft Power Platform Functional Consultant boot camp
PL-200 - Microsoft Power Platform Functional Consultant PDF Braindumps
PL-200 - Microsoft Power Platform Functional Consultant Latest Questions
PL-200 - Microsoft Power Platform Functional Consultant Free test PDF
PL-200 - Microsoft Power Platform Functional Consultant test format
PL-200 - Microsoft Power Platform Functional Consultant study help
PL-200 - Microsoft Power Platform Functional Consultant dumps
PL-200 - Microsoft Power Platform Functional Consultant actual Questions
PL-200 - Microsoft Power Platform Functional Consultant PDF Dumps
PL-200 - Microsoft Power Platform Functional Consultant braindumps
PL-200 - Microsoft Power Platform Functional Consultant real questions
PL-200 - Microsoft Power Platform Functional Consultant PDF Dumps
PL-200 - Microsoft Power Platform Functional Consultant braindumps
PL-200 - Microsoft Power Platform Functional Consultant test contents
PL-200 - Microsoft Power Platform Functional Consultant Practice Questions
PL-200 - Microsoft Power Platform Functional Consultant tricks
PL-200 - Microsoft Power Platform Functional Consultant PDF Download
PL-200 - Microsoft Power Platform Functional Consultant information hunger
PL-200 - Microsoft Power Platform Functional Consultant PDF Questions
PL-200 - Microsoft Power Platform Functional Consultant techniques
PL-200 - Microsoft Power Platform Functional Consultant Latest Topics
PL-200 - Microsoft Power Platform Functional Consultant exam
PL-200 - Microsoft Power Platform Functional Consultant ACTUAL EXAM QUESTIONS
PL-200 - Microsoft Power Platform Functional Consultant Free PDF
PL-200 - Microsoft Power Platform Functional Consultant test
PL-200 - Microsoft Power Platform Functional Consultant test Questions
PL-200 - Microsoft Power Platform Functional Consultant study tips

Other Microsoft ACTUAL EXAM QUESTIONS


MS-720 questions and answers | PL-300 Real test Questions | AZ-104 test Questions | PL-500 test example | AZ-801 test prep | AZ-400 Study Guide | AZ-900 actual Questions | MS-102 braindumps | MD-100 Latest Questions | AI-102 online exam | AZ-305 test questions | PL-400 ACTUAL EXAM QUESTIONS | AZ-500 Questions and Answers | DP-900 test practice | MB-800 braindumps | AZ-600 test Cram | AZ-204 VCE | MB-300 Practice Questions | MS-700 free pdf download | MOFF-EN download |


Best ACTUAL EXAM QUESTIONS You Ever Experienced


NCPT study material | NSE7_EFW-7.0 examcollection | PHR practice questions | PMBOK-5th real questions | CPFO practice exam | 250-406 Practice Questions | PMP-Bundle assessment test sample | Mulesoft-CD test Braindumps | HPE0-S22 online exam | M3-123 braindumps | CCRN VCE | CNN braindumps | MS-900 Questions and Answers | SOFQ braindumps | H12-222 trial questions | H12-721 test results | ASCP-MLT pass exam | ECDL-ADVANCED Free PDF | VCS-285 practical test | 2V0-51-19 test prep |





References :


https://arfansaleemfan.blogspot.com/2021/02/pl-200-microsoft-power-platform.html
https://sites.google.com/view/killexams-pl-200-pdf-download
https://drp.mk/i/FXnWjb4sG5
http://feeds.feedburner.com/RealIssapQuestionsThatAppearedInTestToday
https://files.fm/f/3gpsmr8p5
https://www.instapaper.com/read/1399912418
https://killexams101.medium.com/unlimited-pl-200-vce-exam-simulator-access-2021-by-killexams-3a2e0c08fedb



Similar Websites :
Pass4sure Certification ACTUAL EXAM QUESTIONS
Pass4Sure test Questions and Dumps






Direct Download

PL-200 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.

PL-200 Reviews

100% Valid and Up to Date PL-200 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