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-400?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der PL-400: Microsoft Power Platform Developer Prüfung.

2024 Updated Actual PL-400 questions as experienced in Test Center

Aktuelle PL-400 Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz

PL-400 test Cram - Microsoft Power Platform Developer | https://www.easyfinanz.cc/

Microsoft PL-400 : Microsoft Power Platform Developer ACTUAL EXAM QUESTIONS

Exam Dumps Organized by Martin Hoax



Latest 2024 Updated Microsoft Microsoft Power Platform Developer Syllabus
PL-400 ACTUAL EXAM QUESTIONS / Braindumps contains real test Questions

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




PL-400 Test Center Questions : Download 100% Free PL-400 ACTUAL EXAM QUESTIONS (PDF and VCE)

Exam Number : PL-400
Exam Name : Microsoft Power Platform Developer
Vendor Name : Microsoft
Update : Click Here to Check Latest Update
Question Bank : Check Questions

Get 100% marks with PL-400 Real test Questions and Practice Questions
At killexams.com, they suggest that you obtain their free PL-400 PDF dumps, read demo questions, and evaluate them before registering for the full version of PL-400 Latest Questions. They also offer three months of free future updates of PL-400 Microsoft Power Platform Developer test questions. Their certification crew is constantly updating and keeping track of the validity of PL-400 Exam Cram.

We provide real PL-400 examination questions and solutions Test Prep in two formats: PL-400 PDF files and PL-400 VCE examination simulator. Pass the full Microsoft PL-400 real test quickly and efficiently. The PL-400 Exam dumps PDF format can be read on any device, and you can print PL-400 Test Prep to create your own guide. Their pass rate is high, at 98.9%, and the success rate between their PL-400 study guide and the real test is 98%. Do you want to succeed in the PL-400 test on your first attempt? Visit killexams.com to take the Microsoft PL-400 real examination.

At killexams.com, they offer top-quality study materials and practice exams to help you prepare for your PL-400 certification exam. Their expert team constantly updates the PL-400 real questions to ensure that you have access to the latest and most accurate questions. With their comprehensive study materials and test simulators, you can prepare for the PL-400 test with confidence and achieve success in just one try. Don't wait, visit killexams.com now to start your journey towards becoming a certified PL-400 professional.







PL-400 test Format | PL-400 Course Contents | PL-400 Course Outline | PL-400 test Syllabus | PL-400 test Objectives


Exam ID : PL-400

Exam Name : Microsoft Power Platform Developer



Candidates for this test design, develop, secure, and troubleshoot Power Platform solutions. Candidates implement components of a solution, including application enhancements, custom user experience, system integrations, data conversions, custom process automation, and custom visualizations.



Candidates must have strong applied knowledge of Power Platform services, including in-depth understanding of capabilities, boundaries, and constraints. Candidates should have a basic understanding of DevOps practices for Power Platform.



Candidates should have development experience that includes Power Platform services, JavaScript, JSON, TypeScript, C#, HTML, .NET, Microsoft Azure, Microsoft 365, RESTful web services, ASP.NET, and Microsoft Power BI.



Create a technical design (10-15%)

Configure Common Data Service (15-20%)

Create and configure Power Apps (15-20%)

Configure business process automation (5-10%)

Extend the user experience (10-15%)

Extend the platform (15-20%)

Develop integrations (5-10%)



Create a technical design (10-15%)

Validate requirements and design technical architecture

 design and validate the technical architecture for a solution

 design authentication and authorization strategy

 determine whether you can meet requirements with out-of-the-box functionality

 determine when to use Logic Apps versus Power Automate flows

 determine when to use serverless computing, plug-ins, or Power Automate

 determine when to build a virtual entity data source provider and when to use connectors

Design solution components

 design a data model

 design Power Apps reusable components

 design custom connectors

 design server-side components

Describe Power Platform extensibility points

 describe Power Virtual Agents extensibility points including Bot Framework skills and Power Automate flows

 describe Power BI extensibility points including Power BI APIs, custom visuals, and embedding Power BI apps in websites and other applications

 describe Power Apps portal extensibility points including CRUD APIs and custom styling

Configure Common Data Service (15-20%)

Configure security to support development

 troubleshoot operational security issues

 create or update security roles and field-level security profiles

 configure business units and teams

Implement entities and fields

 configure entity and entity options

 configure fields

 configure relationships and types of behaviors

Implement application lifecycle management (ALM)

 create solutions and manage solution components

 import and export solutions

 manage solution dependencies

 create a package for deployment

 automate deployments

 implement source control for projects including solutions and code assets

Create and configure Power Apps (15-20%)

Create model-driven apps

 configure a model-driven app

 configure forms

 configure views

 configure visualizations

Create canvas apps

 create and configure a canvas app

 implement complex formulas to manage control events and properties

 analyze app usage by using App Insights

 build reusable component libraries

Manage and troubleshoot apps

 troubleshoot app issues by using Monitor and other browser-based debugging tools

 interpret results from App Checker and Solution Checker

 identify and resolve connector and API errors

 optimize app performance including pre-loading data and query delegation

Configure business process automation (5-10%)

Configure Power Automate

 create and configure a flow

 configure steps to use Common Data Service connector actions and triggers

 implement complex expressions in flow steps

 implement error handling

 troubleshoot flows by analyzing JSON responses from connectors

Implement processes

 create and configure business process flows

 create and configure business rules

 create, manage, and interact with business process flows by using server-side and clientside code

 troubleshoot processes

Extend the user experience (10-15%)

Apply business logic using client scripting

 create JavaScript or Typescript code that targets the XRM API

 register an event handler

 create client-side scripts that target the Common Data Service Web API

Create a Power Apps Component Framework (PCF) component

 describe the PCF component lifecycle

 initialize a new PCF component

 configure a PCF component manifest

 implement the component interfaces

 package, deploy, and consume the component

 configure and use PCF Device, Utility, and WebAPI features

 test and debug PCF components by using the local test harness

Create a command button function

 create the command function

 design command button rules and actions

 edit the command bar by using the Ribbon Workbench

 manage dependencies between JavaScript libraries

Extend the platform (15-20%)

Create a plug-in

 describe the plug-in execution pipeline

 design and develop a plug-in

 debug and troubleshoot a plug-in

 implement business logic by using pre and post images

 perform operations on data by using the Organization service API

 optimize plug-in performance

 register custom assemblies by using the Plug-in Registration Tool

 develop a plug-in that targets a custom action message

Create custom connectors

 create a definition for the API

 configure API security

 use policy templates to modify connector behavior at runtime

 expose Azure Functions as custom connectors

 create custom connectors for public APIs by using Postman

Use platform APIs

 interact with data and processes by using the Common Data Service Web API or the

Organization Service

 implement API limit retry policies

 optimize for performance, concurrency, transactions, and batching

 query the Discovery service to discover the URL and other information for an organization

 perform entity metadata operations with the Web API

 perform authentication by using OAuth

Process workloads

 process long-running operations by using Azure Functions

 configure scheduled and event-driven function triggers in Azure Functions

 authenticate to the Power Platform by using managed identities

Develop Integrations (5-10%)

Publish and consume events

 publish an event by using the API

 publish an event by using the Plug-in Registration Tool

 register service endpoints including webhooks, Azure Service Bus, and Azure Event Hub

 implement a Common Data Service listener for an Azure solution

 create an Azure Function that interacts with Power Platform

Implement data synchronization

 configure entity change tracking

 read entity change records by using platform APIs

 create and use alternate keys



Killexams Review | Reputation | Testimonials | Feedback


What do you suggest by PL-400 exam?
The killexams.com Q&A made me feel confident enough to tackle the PL-400 exam. I was able to answer 90/95 questions in due time and passed effectively, something I never thought possible before. Their reliable diploma preparation and complete time artwork made me notably occupied, and I came to bear in mind killexams.com and their incredible service.


It is surely top notch to have PL-400 real test exam bank.
Thanks to killexams.com, I passed the difficult PL-400 exam. I do not know how long it would have taken me to prepare for the test without the support of killexams.com. The questions provided are easy to memorize, real, and accurate, helping you understand what to expect in the exam. Passing the complex test and obtaining your PL-400 certification for your resume is a significant accomplishment.


It is great to have PL-400 exercise Questions.
I was very disappointed when I failed my PL-400 exam, but a quick search on the internet led me to killexams.com. I purchased the PL-400 braindumps, which included questions, answers, and an test simulator, and quickly took the exam, scoring 98%. Thanks to the killexams.com team, I was able to pass the test and achieve my certification.


Exam questions are changed, where can i find new questions and answers?
In order to achieve a 93% score in the PL-400 exam, I had to rely heavily on the killexams.com Q&A aide, which proved to be a lifesaver for me. Although I was worried about not having enough time to plan my preparation adequately, this package deal came through with its smooth and concise answers.


Where can I get PL-400 real test questions and answers?
I would like to extend my gratitude to all team members of killexams.com for presenting such a tremendous platform. With the help of their web questions and cases, I easily passed my PL-400 certification with 81% marks. Understanding the sort and patterns of questions, and the reasons provided for answers, made my principles crystal smooth. Thank you for all the guidance and maintenance. Killexams.com is a quality resource.


Microsoft Developer testing

 

Copilot Chat will let developers ask whatever questions they like about GitHub code

No result found, try new keyword!GitHub itself admits that the chatbot could produce inaccurate code, security risks, and biases, as well as matches with public code. However, the tool is designed to be a human aid, instead offering ...

Microsoft Flight Simulator developer Q&A addresses top community questions and concerns

Image via Flubberzwans

Last week, Microsoft unveiled its collaboration with blackshark.ai on its upcoming Flight Simulator title and provided an update on the SDK. The latest Feedback Snapshot iteration was also released, though as has been the case in exact weeks, it only made its way to Insiders.

With the final development update before Microsoft Flight Simulator's official PC release now having been posted, a bunch of new information has arrived through a developer Q&A session, along with more focused news on other deliverables.

For starters, the previously teased partnership with the International Online Flying Network VATSIM has now been fully detailed through a five-minute video. Connecting to the VATSIM experience will simply require opening the vPilot settings, and then providing the credentials, callsign, and aircraft type. Microsoft stated that, "[...] with day one support, Microsoft Flight Simulator users will be able to experience the same immersive experience as VATSIM has offered the flight sim community for 20 years."

Moving on, a developer Q&A session that was livestreamed on Twitch earlier today addressed top community concerns, including information on possible career mode options, pre-downloads, the Xbox release, and more. With regards to the former, Jorg Neumann, Head of Microsoft Flight Simulator, noted how gamers in the simulation genre were often already aware of how they meant to approach the provided sandbox, which is why the development team had specifically decided to opt out of making a career mode, keeping the game "a lot more open" and avoiding "arcadey missions".

As far as a pre-download is concerned, Martial Bossard, Lead Software Engineer for Asobo Studio, stated that although the core components will be available to obtain on day one, further modules will be downloadable only through a unified platform in the form of Azure PlayFab. Through this distinction, the developer is aiming to place much more emphasis on user control, allowing users to personally decide upon and choose the content they feel is necessary to download.

An Xbox release date is still nowhere in sight for now, though the community has been assured that similar Q&A sessions to address its concerns will be held every month. Information on further features that were touched upon, including planned availability for helicopters, licensed liveries, and more can be viewed in the full video above.

Finally, wrapping up this week's development update, a welcome surprise has arrived in the form of a Feedback Snapshot finally being showcased to the general public. Version 8.01 takes note of the fact that all of the top community questions have been answered - aside from a campaign mode query, which has now been addressed through the Q&A as well. Almost all of the Alpha issues are currently being addressed, while some of the top wishlisted capabilities including AI traffic, virtual reality, and seasons, are being worked upon as well

Microsoft Flight Simulator is set to be released on PC on August 18; it can be pre-ordered from Steam here, and the Microsoft Store here. The closed beta is going to end on August 17, 10 a.m. PST/ 1 p.m. EDT.


 


Whilst it is very hard task to choose reliable test Q&A resources regarding review, reputation and validity because people get ripoff due to choosing incorrect service. Killexams make it sure to provide its clients far better to their resources with respect to ACTUAL EXAM QUESTIONS update and validity. Most of other peoples ripoff report complaint clients come to us for the brain dumps and pass their exams enjoyably and easily. They never compromise on their review, reputation and quality because killexams review, killexams reputation and killexams client self confidence is important to all of us. Specially they manage killexams.com review, killexams.com reputation, killexams.com ripoff report complaint, killexams.com trust, killexams.com validity, killexams.com report and killexams scam. If perhaps you see any bogus report posted by their competitor with the name killexams ripoff report complaint internet, killexams.com ripoff report, killexams.com 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 a large number of satisfied customers that pass their exams using killexams.com brain dumps, killexams PDF questions, killexams practice questions, killexams test simulator. Visit their test questions and demo brain dumps, their test simulator and you will definitely know that killexams.com is the best brain dumps site.

Which is the best dumps website?
Of course, Killexams is totally legit along with fully efficient. There are several options that makes killexams.com authentic and genuine. It provides current and totally valid ACTUAL EXAM QUESTIONS made up of real exams questions and answers. Price is small as compared to most of the services on internet. The Q&A are up to date on frequent basis having most exact brain dumps. Killexams account arrangement and device delivery is quite fast. Data downloading can be unlimited and intensely fast. Help support is avaiable via Livechat and Electronic mail. These are the characteristics that makes killexams.com a sturdy website that include ACTUAL EXAM QUESTIONS with real exams questions.



Is killexams.com test material dependable?
There are several Q&A 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 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 Q&A 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 dumps questions of valid Questions that is kept up-to-date by checking update on daily basis.

If you want to Pass your test Fast with improvement in your knowledge about latest course contents and courses of new syllabus, They recommend to obtain 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 Q&A 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 real Test. Go register for Test in Test Center and Enjoy your Success.




ASVAB-Arithmetic-Reasoning test questions | 4A0-104 Study Guide | GB0-391 braindumps | ACA-Developer test Questions | Google-PCSE ACTUAL EXAM QUESTIONS | APSCA practice questions | CIMAPRA17-BA2-1-ENG brain dumps | 300-810 brain dumps | 010-151 test prep | EADA10 Q&A | GRE practice test | CEN test results | HPE0-J69 Latest Questions | NSE7_ADA-6.3 test prep | ACF-CCP Dumps | SPLK-1003 test preparation | AACN-CMC free test papers | EX0-115 test demo | H13-612 PDF Questions | 700-821 practice questions |


PL-400 - Microsoft Power Platform Developer information source
PL-400 - Microsoft Power Platform Developer PDF Download
PL-400 - Microsoft Power Platform Developer test Questions
PL-400 - Microsoft Power Platform Developer PDF Dumps
PL-400 - Microsoft Power Platform Developer information hunger
PL-400 - Microsoft Power Platform Developer exam
PL-400 - Microsoft Power Platform Developer learning
PL-400 - Microsoft Power Platform Developer PDF Dumps
PL-400 - Microsoft Power Platform Developer techniques
PL-400 - Microsoft Power Platform Developer Question Bank
PL-400 - Microsoft Power Platform Developer teaching
PL-400 - Microsoft Power Platform Developer exam
PL-400 - Microsoft Power Platform Developer study help
PL-400 - Microsoft Power Platform Developer study tips
PL-400 - Microsoft Power Platform Developer guide
PL-400 - Microsoft Power Platform Developer Dumps
PL-400 - Microsoft Power Platform Developer test Questions
PL-400 - Microsoft Power Platform Developer ACTUAL EXAM QUESTIONS
PL-400 - Microsoft Power Platform Developer test contents
PL-400 - Microsoft Power Platform Developer test contents
PL-400 - Microsoft Power Platform Developer learning
PL-400 - Microsoft Power Platform Developer braindumps
PL-400 - Microsoft Power Platform Developer test contents
PL-400 - Microsoft Power Platform Developer Questions and Answers
PL-400 - Microsoft Power Platform Developer Study Guide
PL-400 - Microsoft Power Platform Developer real Questions
PL-400 - Microsoft Power Platform Developer outline
PL-400 - Microsoft Power Platform Developer Question Bank
PL-400 - Microsoft Power Platform Developer teaching
PL-400 - Microsoft Power Platform Developer test contents
PL-400 - Microsoft Power Platform Developer cheat sheet
PL-400 - Microsoft Power Platform Developer exam
PL-400 - Microsoft Power Platform Developer information search
PL-400 - Microsoft Power Platform Developer book
PL-400 - Microsoft Power Platform Developer teaching
PL-400 - Microsoft Power Platform Developer testing
PL-400 - Microsoft Power Platform Developer Study Guide
PL-400 - Microsoft Power Platform Developer test prep
PL-400 - Microsoft Power Platform Developer Question Bank
PL-400 - Microsoft Power Platform Developer Practice Test
PL-400 - Microsoft Power Platform Developer cheat sheet
PL-400 - Microsoft Power Platform Developer study tips
PL-400 - Microsoft Power Platform Developer PDF Questions
PL-400 - Microsoft Power Platform Developer test Braindumps

Other Microsoft ACTUAL EXAM QUESTIONS


MS-600 dumps | DP-420 test test | AZ-800 brain dumps | MB-320 practice exam | AI-900 study guide | PL-900 test results | PL-100 test papers | MD-100 past bar exams | SC-400 Question Bank | MB-920 test sample | AZ-120 Cheatsheet | PL-500 practice exam | AZ-303 test questions | MB-240 test questions | MS-100 real questions | AZ-720 free prep | MB-800 cbt | MS-102 dump | DA-100 Free test PDF | SC-100 practical test |


Best ACTUAL EXAM QUESTIONS You Ever Experienced


Apigee-API-Engineer cheat sheet pdf | IIA-CIA-Part1 test test | MAT test papers | Cloud-Digital-Leader Latest Topics | Scrum-PSD-I test questions | 830-01 test results | SCNS-EN practice exam | UIPATH-RPAV1 assessment test sample | 4A0-113 certification sample | NBRC free pdf | S90.04A Practice Questions | HPE6-A81 Test Prep | ACSB-D8 Question Bank | CPFO online exam | MS-203 free pdf | H13-622 practice exam | 050-710 ACTUAL EXAM QUESTIONS | 44202T dumps questions | 3X0-204 examcollection | CAT-340 study guide |





References :


https://arfansaleemfan.blogspot.com/2021/02/pl-400-microsoft-power-platform.html
https://sites.google.com/view/killexams-pl-400-question-bank
https://drp.mk/i/zH4wzWqT6
https://www.instapaper.com/read/1398179377
http://feeds.feedburner.com/RealBh0-004QuestionsThatShowedUpInTestToday
https://files.fm/f/p9dfz362p



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






Direct Download

PL-400 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-400 Reviews

100% Valid and Up to Date PL-400 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