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 Platform-App-Builder?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der Platform-App-Builder: Salesforce Certified Platform App Builder Prüfung.

2024 Updated Actual Platform-App-Builder questions as experienced in Test Center

Aktuelle Platform-App-Builder Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz

E html>

Salesforce Platform-App-Builder : Salesforce Certified Platform App Builder ACTUAL EXAM QUESTIONS

Exam Dumps Organized by Martha nods



Latest 2024 Updated Salesforce Salesforce Certified Platform App Builder Syllabus
Platform-App-Builder 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




Platform-App-Builder Test Center Questions : Download 100% Free Platform-App-Builder ACTUAL EXAM QUESTIONS (PDF and VCE)

Exam Number : Platform-App-Builder
Exam Name : Salesforce Certified Platform App Builder
Vendor Name : Salesforce
Update : Click Here to Check Latest Update
Question Bank : Check Questions

Trust these Platform-App-Builder Practice Test and go for actual test.
Avoid wasting your energy on outdated Platform-App-Builder digital books and instead register at killexams.com for access to up-to-date Platform-App-Builder questions. Their team works continuously to provide updates and valid Platform-App-Builder Latest Topics sourced from Platform-App-Builder Practice Questions.

If you're aiming for a highly paid position and need the latest 2024 updated ACTUAL EXAM QUESTIONS to pass the Salesforce Platform-App-Builder exam, then register at killexams.com with their special discount coupons and get the 2024 updated actual Platform-App-Builder questions. Their team of specialists is constantly collecting real test questions to ensure that you pass the Platform-App-Builder test with ease. You'll get Salesforce Certified Platform App Builder test questions that will help you clear your concepts about the course outline and objectives of the exam. Relying solely on the Platform-App-Builder course book is not enough to pass the exam, as you need to prepare for the tricky questions asked in the actual Platform-App-Builder exam.

To achieve success, visit killexams.com and get their Free Platform-App-Builder Dumps trial questions. If you find that you're able to memorize these questions, you can register to get the Free PDF of Platform-App-Builder Dumps at a discounted price. This will be your first step towards success. Install the VCE test simulator on your computer or smartphones and practice with it frequently. Read and memorize the Platform-App-Builder Dumps to enhance your knowledge. When you feel confident and well-prepared, register for the actual test at the test center. Be cautious of companies that offer Platform-App-Builder boot camp as valid and the latest 2024 up-to-date Platform-App-Builder Free PDF, as this is a major issue. Don't depend on free dumps provided on the internet.







Platform-App-Builder test Format | Platform-App-Builder Course Contents | Platform-App-Builder Course Outline | Platform-App-Builder test Syllabus | Platform-App-Builder test Objectives


The Salesforce Certified Platform App Builder test has the following characteristics:

 Content: 60 multiple-choice/multiple-select questions

 Time allotted to complete the exam: 105

 Passing Score: 63%

 Registration fee: USD 200, plus applicable taxes as required per local law

 Retake fee: USD 100, plus applicable taxes as required per local law

 Delivery options: Proctored test delivered onsite at a testing center or in an online proctored environment. Click here for information on scheduling an exam.

 References: No hard-copy or online materials may be referenced during the exam.

 Prerequisites: None required; course attendance highly recommended.



ABOUT THE SALESFORCE CERTIFIED PLATFORM APP BUILDER CREDENTIAL

The Salesforce Certified Platform App Builder credential is designed for individuals who
would like to demonstrate their skills and knowledge in designing, building, and deploying
custom applications using the declarative customization capabilities of the Lightning
Platform. The candidate can create, manage, and update data models, application security,
business logic, and process automation.

Here are some examples of the concepts you should understand to pass the exam:

 Design the data model, user interface, business logic, and security for custom applications

 Customize applications for mobile use

 Design reports and dashboards

 Deploy custom applications



The Salesforce Certified Platform App Builder credential is intended for an individual who
has experience developing custom applications on the Lightning Platform, including
practical application of the skills and concepts noted in the test objectives below.

The Salesforce Certified Platform App Builder generally has six months to one year of
experience building applications on the Lightning Platform and/or on a similar technology
platform.

The Salesforce Certified Platform App Builder candidate has the experience, skills, and
knowledge outlined below:

 Familiarity with the capabilities of the Lightning Platform.

 Awareness of Salesforce license types and the related considerations.

 Ability to design applications to support business processes and reporting requirements.

 Familiarity with the social and mobile capabilities of the platform; accustomed to
using and optimizing business applications on a mobile device.

 Familiarity with the Salesforce development environments and the options available
to deploy applications and manage changes on the Lightning Platform.

 Study of the resources listed in this test Guide and the additional required study
materials provided by Salesforce.

A candidate for this test is not expected to be able to administer Sales Cloud or Service
Cloud, have programmatic development experience (Apex, Visualforce, etc.), design custom
interfaces using Visualforce, or design custom Lightning components using Apex or
JavaScript.



The Salesforce Certified Platform App Builder test measures a candidates knowledge and
skills related to the following objectives. A candidate should have hands-on experience
developing custom applications on the Lightning Platform and have demonstrated the
application of each of the features/functions below.

SALESFORCE FUNDAMENTALS

 Describe the capabilities of the core CRM objects in the Salesforce schema.

 Given a scenario, identify the boundaries of declarative customization and the use cases for programmatic customization.

 Identify common scenarios for extending an org using the AppExchange.

DATA MODELING AND MANAGEMENT

 Given a scenario, determine the appropriate data model.

 Describe the capabilities of the various relationship types and the implications of each on record access, user interface, and reporting.

 Identify the considerations when changing a field's type.

 Given a set of requirements, identify the considerations and select the appropriate field type.

 Describe the capabilities and considerations of the schema builder.

 Describe the options and considerations when importing and exporting data.

 Describe the capabilities of and use cases for external objects.

SECURITY

 Describe the features and capabilities available to restrict and extend object, record, and field access.

 Given a set of business requirements, determine the appropriate sharing solution.

Weighting 10%

Weighting 8%

Weighting 20%

SALESFORCE CERTIFIED PLATFORM APP BUILDER

BUSINESS LOGIC AND PROCESS AUTOMATION

 Describe the capabilities of and use cases for record types.

 Describe the capabilities of and use cases for formula fields.

 Describe the capabilities of, use cases for, and implications of roll-up summary fields.

 Describe the capabilities of and use cases for validation rules.

 Describe the capabilities of and use cases for approval processes.

 Describe the capabilities of and use cases for workflow, visual workflow, and Process Builder.

 Given a set of business requirements, recommend a solution to automate
business processes.

 Describe the ramifications of field updates and the potential for recursion.

SOCIAL

 Describe the capabilities of and use cases for social features.

USER INTERFACE

 Describe the user interface customization options.

 Describe the capabilities of and use cases for custom buttons, links, and
actions.

 Describe the declarative options available for incorporating Lightning
Components in an application.

 Given a scenario, determine the appropriate user interface design.

REPORTING

 Describe the features and capabilities available when creating reports,
report types, and dashboards.

MOBILE

 Describe the declarative customization options available for the Salesforce
mobile application user interface.

 Given a set of requirements, determine the appropriate global and objectspecific actions and action layouts to optimize the Salesforce mobile

application user experience.

Weighting 27%

Weighting 3%

Weighting 14%

Weighting 5%

Weighting 5%

SALESFORCE CERTIFIED PLATFORM APP BUILDER

APP DEVELOPMENT

 Describe the key milestones and considerations when managing the application lifecycle.

 Describe the differences between and considerations when using the various types of sandboxes.

 Describe the capabilities of and considerations when using change sets.

 Describe the use cases of and considerations when using unmanaged packages.

 Given a scenario, determine the appropriate deployment plan.



Killexams Review | Reputation | Testimonials | Feedback


How long exercise is required for Platform-App-Builder exam?
I want to supply my vote of confidence to killexams.com for their exceptional test preparation materials. I used their kit to prepare for my Platform-App-Builder test and was impressed with the comprehensiveness of their syllabus coverage. I felt confident on test day and was surprised to find that the questions on the real test were similar to those in the killexams.com guide. I strongly recommend their products.


Take gain latest Platform-App-Builder braindumps, Use these questions to make sure your success.
I highly recommend killexams.com to anyone planning to take Platform-App-Builder certification exams. These tests are tough, and it takes a lot of work to pass them. killexams.com does most of the work for you. I got most of the test questions from this website. Without these dumps, I would have failed the exam.


Feel confident through preparing Platform-App-Builder braindumps.
Thanks to the tremendous products provided by killexams.com, I was able to score an impressive 92% on my Platform-App-Builder certification exam. I was searching for a reliable test dump to boost my knowledge, especially since the technical concepts and language in my certification were difficult to understand. Killexams.com offered easy solutions for me, and I am pleased with my success. This platform is an excellent training source for professional certification exams.


It is excellent idea to read Platform-App-Builder test with dumps.
When I was searching for an internet test simulator to take my Platform-App-Builder exam, I came across killexams.com Questions and Answers. I was able to answer all the questions in less than ninety minutes, and it was tremendous to realize that killexams.com had all the essential material needed for the exam. Although I was hesitant to use it at first, I decided to get the demos initially to see if I could get the right help for the Platform-App-Builder exam.


It is right place to find Platform-App-Builder braindumps paper.
Thanks to killexams.com, I had access to valid test mock test that helped me pass the Platform-App-Builder test with ease. Despite not having spent much time studying, I found the questions to be accurate and relevant. Even if one has only basic knowledge of the Platform-App-Builder test and its services, they can still pass using this package. Although the vast amount of data initially confused me, I eventually began to understand and had an enjoyable experience with killexams.com.


Salesforce App exam

http://www.pass4surez.com/art/read.php?keyword=Salesforce+App+exam
https://www.pass4surez.com/art/read.php?keyword=Salesforce+App+exam&lang=us&links=remove

While it is hard job to pick solid certification questions/answers regarding review, reputation and validity since individuals get sham because of picking incorrec service. Killexams.com ensure to serve its customers best to its efforts as for ACTUAL EXAM QUESTIONS update and validity. Most of other's post false reports with objections about us for the brain dumps bout their customers pass their exams cheerfully and effortlessly. They never bargain on their review, reputation and quality because killexams review, killexams reputation and killexams customer certainty is imperative to us. Extraordinarily they deal with false killexams.com review, killexams.com reputation, killexams.com scam reports. killexams.com trust, killexams.com validity, killexams.com report and killexams.com that are posted by genuine customers is helpful to others. If you see any false report posted by their opponents with the name killexams scam report on web, killexams.com score reports, killexams.com reviews, killexams.com protestation or something like this, simply remember there are constantly terrible individuals harming reputation of good administrations because of their advantages. Most clients that pass their exams utilizing killexams.com brain dumps, killexams PDF questions, killexams practice questions, killexams test VCE simulator. Visit their example questions and test brain dumps, their test simulator and you will realize that killexams.com is the best ACTUAL EXAM QUESTIONS site.

Which is the best dumps website?
Absolutely yes, Killexams is totally legit and also fully trusted. There are several capabilities that makes killexams.com real and straight. It provides up-to-date and totally valid ACTUAL EXAM QUESTIONS containing real exams questions and answers. Price is extremely low as compared to almost all the services online. The mock test are up to date on frequent basis by using most exact brain dumps. Killexams account setup and supplement delivery can be quite fast. Computer file downloading will be unlimited and also fast. Help is avaiable via Livechat and Message. These are the features that makes killexams.com a strong website that supply 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 get 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 courses of new syllabus, They recommend to get 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 get Account. You can get Premium ACTUAL EXAM QUESTIONS files as many times as you want, There is no limit.

Killexams.com has provided VCE practice questions 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.




HPE6-A81 mock test | HPE2-CP02 test prep | EX0-115 brain dumps | 4A0-102 boot camp | TOEFL test test | FNCB-GFN-C test Questions | FBAP_002 bootcamp | CTFA braindumps | ISEBSWTINT-001 braindump questions | CBDH assessment test trial | PCDRA test Braindumps | IAPP-CIPP-C trial test | RACP ACTUAL EXAM QUESTIONS | HPE0-J58 mock test | C1000-174 Latest Questions | 090-160 test answers | Copado-Robotic-Testing Latest courses | 301 test Questions | CQA braindump questions | CAU305 practice questions |


Platform-App-Builder - Salesforce Certified Platform App Builder education
Platform-App-Builder - Salesforce Certified Platform App Builder study tips
Platform-App-Builder - Salesforce Certified Platform App Builder learning
Platform-App-Builder - Salesforce Certified Platform App Builder answers
Platform-App-Builder - Salesforce Certified Platform App Builder test
Platform-App-Builder - Salesforce Certified Platform App Builder braindumps
Platform-App-Builder - Salesforce Certified Platform App Builder ACTUAL EXAM QUESTIONS
Platform-App-Builder - Salesforce Certified Platform App Builder Free PDF
Platform-App-Builder - Salesforce Certified Platform App Builder dumps
Platform-App-Builder - Salesforce Certified Platform App Builder test
Platform-App-Builder - Salesforce Certified Platform App Builder questions
Platform-App-Builder - Salesforce Certified Platform App Builder Question Bank
Platform-App-Builder - Salesforce Certified Platform App Builder syllabus
Platform-App-Builder - Salesforce Certified Platform App Builder syllabus
Platform-App-Builder - Salesforce Certified Platform App Builder actual Questions
Platform-App-Builder - Salesforce Certified Platform App Builder exam
Platform-App-Builder - Salesforce Certified Platform App Builder PDF Braindumps
Platform-App-Builder - Salesforce Certified Platform App Builder test Questions
Platform-App-Builder - Salesforce Certified Platform App Builder test format
Platform-App-Builder - Salesforce Certified Platform App Builder Latest Questions
Platform-App-Builder - Salesforce Certified Platform App Builder course outline
Platform-App-Builder - Salesforce Certified Platform App Builder dumps
Platform-App-Builder - Salesforce Certified Platform App Builder test
Platform-App-Builder - Salesforce Certified Platform App Builder course outline
Platform-App-Builder - Salesforce Certified Platform App Builder Question Bank
Platform-App-Builder - Salesforce Certified Platform App Builder techniques
Platform-App-Builder - Salesforce Certified Platform App Builder certification
Platform-App-Builder - Salesforce Certified Platform App Builder test prep
Platform-App-Builder - Salesforce Certified Platform App Builder study help
Platform-App-Builder - Salesforce Certified Platform App Builder test syllabus
Platform-App-Builder - Salesforce Certified Platform App Builder study help
Platform-App-Builder - Salesforce Certified Platform App Builder study help
Platform-App-Builder - Salesforce Certified Platform App Builder test Questions
Platform-App-Builder - Salesforce Certified Platform App Builder Practice Questions
Platform-App-Builder - Salesforce Certified Platform App Builder exam
Platform-App-Builder - Salesforce Certified Platform App Builder test
Platform-App-Builder - Salesforce Certified Platform App Builder information search
Platform-App-Builder - Salesforce Certified Platform App Builder test Cram
Platform-App-Builder - Salesforce Certified Platform App Builder guide
Platform-App-Builder - Salesforce Certified Platform App Builder information source
Platform-App-Builder - Salesforce Certified Platform App Builder Free test PDF
Platform-App-Builder - Salesforce Certified Platform App Builder Practice Questions
Platform-App-Builder - Salesforce Certified Platform App Builder education
Platform-App-Builder - Salesforce Certified Platform App Builder test Questions

Other Salesforce ACTUAL EXAM QUESTIONS


CRT-271 Practice test | DEX-450 braindumps | Industries-CPQ-Developer real questions | Salesforce-Certified-Identity-and-Access-Management-Designer pass marks | Salesforce-Certified-Marketing-Cloud-Email-Specialist study guide | Salesforce-Certified-Advanced-Administrator braindumps | ARC-801 dumps | Pardot-Consultant practice exam | PDX-101 free prep | Javascript-Developer-I practice exam | Salesforce-Loyalty-Management test prep | CRT-251 practice exam | CPQ-211 dump | Salesforce-Certified-CPQ-Specialist questions download | DEX-403 study guide | Nonprofit-Cloud-Consultant cram | Salesforce-Maps-Accredited-Professional braindumps | Salesforce-Certified-Business-Analyst test preparation | Service-Cloud-Consultant cbt | Salesforce-nCino-201 practice questions |


Best ACTUAL EXAM QUESTIONS You Ever Experienced


H12-261 test papers | HPE0-V26 cbt | COMPASS Free test PDF | CPP test Questions | RNCB-CRN ACTUAL EXAM QUESTIONS | SD0-302 practice exam | JN0-649 braindumps | NSE7_ADA-6.3 download | ICDL-NET study guide | ISO-IEC-27001-Lead-Auditor test preparation | GB0-391 study guide | CDL test test | QAW1301 braindumps | AACN-CSC test prep | ABPANC-CPAN PDF Download | ADM-211 PDF Dumps | CIMAPRA19-P03-1-ENG question test | ONCC-BMTCN prep questions | PC-CIC-Core practice exam | WCNA test prep |





References :


http://killexams-braindumps.blogspot.com/2020/06/exam-platform-app-builder-latest-topics.html
https://www.instapaper.com/read/1322164172
https://killexams-posting.dropmark.com/817438/23763893
https://www.blogger.com/comment.g?blogID=9877556&postID=110660143002621115&page=1&token=1596633834640
https://www.coursehero.com/file/67822507/Salesforce-Certified-Platform-App-Builder-SU18-Platform-App-Builderpdf/
http://feeds.feedburner.com/PreciselySame920-199QuestionsAsInRealTestWtf
https://sites.google.com/view/killexams-platform-app-builder
https://drp.mk/i/1N5c5Zx1Vn
https://files.fm/f/9wxr5zas3



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






Direct Download

Platform-App-Builder 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.

Platform-App-Builder Reviews

100% Valid and Up to Date Platform-App-Builder 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