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 Salesforce-Certified-Marketing-Cloud-Consultant?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der Salesforce-Certified-Marketing-Cloud-Consultant: Certified Marketing Cloud Consultant Prüfung.

2024 Updated Actual Salesforce-Certified-Marketing-Cloud-Consultant questions as experienced in Test Center

Aktuelle Salesforce-Certified-Marketing-Cloud-Consultant Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz

Salesforce-Certified-Marketing-Cloud-Consultant PDF Braindumps - Certified Marketing Cloud Consultant | https://www.easyfinanz.cc/

Salesforce Salesforce-Certified-Marketing-Cloud-Consultant : Certified Marketing Cloud Consultant exam Dumps

Exam Dumps Organized by Martha nods



Latest 2024 Updated Salesforce Certified Marketing Cloud Consultant Syllabus
Salesforce-Certified-Marketing-Cloud-Consultant study guide / Braindumps contains genuine exam Questions

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




Salesforce-Certified-Marketing-Cloud-Consultant Test Center Questions : Download 100% Free Salesforce-Certified-Marketing-Cloud-Consultant study guide (PDF and VCE)

Exam Number : Salesforce-Certified-Marketing-Cloud-Consultant
Exam Name : Certified Marketing Cloud Consultant
Vendor Name : Salesforce
Update : Click Here to Check Latest Update
Question Bank : Check Questions

Download Salesforce-Certified-Marketing-Cloud-Consultant Exam Braindumps from killexams.com and practice just before the test
We at killexams.com offer 100% free braindumps for those who wish to attempt them before making a purchase. They are confident that you will appreciate the quality of their genuine test questions for the Salesforce-Certified-Marketing-Cloud-Consultant exam. Simply register for the complete Certified Marketing Cloud Consultant questions bank and get your copy. Use their VCE test simulator for practice, and you will feel confident before taking the genuine Salesforce-Certified-Marketing-Cloud-Consultant test.

Passing the Certified Marketing Cloud Consultant exam can be made easy if you have a clear understanding of the Salesforce-Certified-Marketing-Cloud-Consultant syllabus and practice with the updated 2024 question bank. It is recommended to read and practice actual questions for better and quick success. It is essential to identify and understand the tricky questions asked in the genuine Salesforce-Certified-Marketing-Cloud-Consultant exam, and for that, you can visit killexams.com and get free Salesforce-Certified-Marketing-Cloud-Consultant Questions and Answers test questions to study. If you are confident in retaining those Salesforce-Certified-Marketing-Cloud-Consultant questions, you can enroll to get the Exam dumps of Salesforce-Certified-Marketing-Cloud-Consultant Practice Test, which will be your first step towards extraordinary advancement.

You can then get and install the VCE test system on your PC, read and memorize Salesforce-Certified-Marketing-Cloud-Consultant Practice Test, and take practice tests with VCE test system as frequently as possible. Once you feel that you have retained all the questions in the Certified Marketing Cloud Consultant question bank, you can enroll for the genuine test at a test center.

Killexams.com provides the latest, valid, and up-to-date Salesforce Salesforce-Certified-Marketing-Cloud-Consultant Practice Test that are the best to pass the Certified Marketing Cloud Consultant exam and Strengthen your position as an expert in your organization. They have a reputation for helping people pass the Salesforce-Certified-Marketing-Cloud-Consultant test on their first attempt. Their Test Prep has remained at the top for the past four years, and their Salesforce-Certified-Marketing-Cloud-Consultant Practice Test and VCE are trusted by customers for their genuine Salesforce-Certified-Marketing-Cloud-Consultant test. Killexams.com is the best source for genuine Salesforce-Certified-Marketing-Cloud-Consultant test questions, and they continually keep their Salesforce-Certified-Marketing-Cloud-Consultant Practice Test valid and up-to-date.







Salesforce-Certified-Marketing-Cloud-Consultant exam Format | Salesforce-Certified-Marketing-Cloud-Consultant Course Contents | Salesforce-Certified-Marketing-Cloud-Consultant Course Outline | Salesforce-Certified-Marketing-Cloud-Consultant exam Syllabus | Salesforce-Certified-Marketing-Cloud-Consultant exam Objectives


The Salesforce Marketing Cloud Consultant exam measures a candidates knowledge and skills related to the following objectives. A candidate should have hands-on experience with the Marketing Cloud Email application and demonstrate the knowledge and expertise in each of the areas below.



Discovery: 15%

Provided with a set of business requirements, determine what additional information is needed to design the recommended solution.

Provided with a list of branding and creative strategies, probe for additional information that is needed to recommend an appropriate solution.

Provided a customer environment and goals, determine the viability of external systems that need to be included in the solution (for example; POS, CRM, eCommerce, data warehouse, data source inputs).

Demonstrate how to gather requirements in order to put together the data and segmentation strategy for the customer (for example; frequency, complexity, volume of sending).

Given a scenario that includes customer information about subscriber acquisition, management, and attrition, utilize this information to select solution components.

Given a solution, recommend the appropriate customer skill sets required to utilize the Marketing Cloud application.

Conceptual Design: 12%

Analyze customer data to determine the appropriate data model (for example; List model, Data Extensions).

Given a scenario, determine the appropriate solution for given requirements considering technical expertise of personas (for example; Automation Studio vs. Journey Builder).

Given a narrative data flow, select the correct data flow diagram that depicts that data flow.

Given a customer scenario, identify which User Stories are appropriate to use for accessing Marketing Cloud.

Given a customer scenario, determine the factors to consider when scaling the solution.

Articulate how data construct will drive one-to-one messaging and content.

Explain the purpose of IP Warming and make a recommendation based on customer needs.

Marketing Cloud Connect: 6%

Understand the prerequisites to consider prior to starting a Marketing Cloud Connect configuration (for example; Salesforce edition, list of integration users, scope user, administrator credentials).

Understand how to send an email to a contact, lead, campaign, and report via the Sales/Service Cloud and Marketing Cloud (for example; sending, triggered, automated).

Understand how Sales/Service Cloud data in the Marketing Cloud can be segmented.

Account Configuration: 10%

Given a customer scenario, recommend the appropriate Marketing Cloud role based on User Stories.

Determine which type of customer scenario warrants the creation of a business unit (for example; publication types, demographic, workflow processes, and organizational structure).

Given a scenario, troubleshoot issues regarding Reply Mail Management.

Analyze the impact of applying a Sender Authentication Package (SAP) to a business unit (for example; link wrapping, Landing Pages, image URLs).

Reporting: 5%

Explain how the information in data views and tracking extracts are accessed.

Compare and contrast standard reports, data views, and tracking extracts.

Summarize Send Logs, including when/why to use it and how to create and manage.

Data Design: 12%

Explain the various data objects in the Marketing Cloud (for example; data extensions, list model, data retention model, publication lists, suppression lists).

Understand available data types, retention, and template options when building a data extension.

Understand how data is retrieved within a Relational Data Model (for example; basic SQL).

Given a customer scenario, recommend the appropriate import method with lists or data extensions.

Understand the implications of a system being database of record.

Automation: 8%

Given a customer scenario, select the appropriate workflow that meets the business requirement (for example; import, segmentation, email send).

Compare and contrast triggered and scheduled interactions.

Email Build: 7%

Understand the required steps to build, test, and deploy an email based on customer requirements.

Explain the various ways to individualize email content (for example; AMPscript, personalization strings, Dynamic Content, Guide Template Language).

Compare and contrast the ways to individualize content, such as SSJS vs. AMPscript, Dynamic Content Wizard vs. AMPscript/LookupRows function.

Explain various Marketing Cloud Email technologies (for example; Link Alias tags, Impression regions, Web Analytics Connector).

Contact Builder: 15%

Explain the role and capabilities within Contact Builder.

Understand how cardinality impacts data modeling.

Summarize how to use Data Designer to incorporate data source into Contact Builder.

Given a customer scenario, know how to build an Attribute Group to be used for a simple interaction.

Journey Builder: 10%

Compare and contrast automation tools, such as Journey Builder and Automation Studio.

Given a customer scenario that includes Journey Builder, evaluate the requirements, activities, and steps.

Explain the requirements for and the methods by which a contact can enter a Journey.



Killexams Review | Reputation | Testimonials | Feedback


Just These Salesforce-Certified-Marketing-Cloud-Consultant LaACTUAL EXAM QUESTIONS and study guide is required to pass the test.
Killexams.com offers top-notch products that are tailored to college students who are interested in obtaining their Salesforce-Certified-Marketing-Cloud-Consultant certification. I found the Salesforce-Certified-Marketing-Cloud-Consultant exam engine to be particularly helpful, as it contains comprehensive study materials that are easy to understand and memorize. Thanks to the superb team at Killexams, I have developed my professional skills and gained the knowledge to answer even the most challenging questions on the exam. I am so impressed with this platform that I have decided to return for further certification.


These Salesforce-Certified-Marketing-Cloud-Consultant Braindumps works within the real exam.
I did not have much time to prepare for the Salesforce-Certified-Marketing-Cloud-Consultant exam, but the killexams.com question set and exam simulator proved to be the best decision I ever made. Despite the exam's difficulty, I got through it effortlessly, thanks to the current questions provided by the website.


Is there a way to pass Salesforce-Certified-Marketing-Cloud-Consultant exam on the begin attempt?
I am proud to say that I passed the Salesforce-Certified-Marketing-Cloud-Consultant exam with flying colors thanks to killexams.com. The exam was not an easy one, but with their study kit, I was able to score an impressive 89%. The struggle was worth it, and I would recommend this study kit to anyone preparing for the Salesforce-Certified-Marketing-Cloud-Consultant exam.


No questions was requested that became out of these Braindumps bank.
Studying for the Salesforce-Certified-Marketing-Cloud-Consultant exam was initially challenging for me, but after weeks of using killexams.com questions and answers, I was able to answer 95% of the questions during the exam. Today, I work as a trainer in the coaching business, and I owe my success to killexams.com. I used to struggle with managing my time between work and study, but thanks to killexams, I was able to plan effectively for the exam.


What study guide do I need to read to pass Salesforce-Certified-Marketing-Cloud-Consultant exam?
I found killexams.com to be a fantastic resource for my exam preparation. Their performance and work style were exemplary, and the concise answers made it easy for me to remember the content. Despite not dedicating much time to study, I still managed to score 80% marks by successfully answering 98% of the questions in the Salesforce-Certified-Marketing-Cloud-Consultant exam. It was a significant achievement for my IT career.


Salesforce Cloud information search

   


Whilst it is very hard task to choose reliable exam Braindumps 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 study guide 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 exam simulator. Visit their test questions and trial brain dumps, their exam simulator and you will definitely know that killexams.com is the best brain dumps site.

Which is the best dumps website?
Indeed, Killexams is totally legit and even fully trusted. There are several capabilities that makes killexams.com realistic and genuine. It provides up to par and totally valid study guide containing real exams questions and answers. Price is extremely low as compared to the vast majority of services on internet. The Braindumps are modified on regular basis using most accurate brain dumps. Killexams account build up and product or service delivery is extremely fast. Data file downloading is certainly unlimited and very fast. Assistance is avaiable via Livechat and Message. These are the features that makes killexams.com a strong website offering study guide 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 get sites or reseller sites. Thats why killexams.com update exam Braindumps with the same frequency as they are updated in Real Test. study guide provided by killexams.com are Reliable, Up-to-date and validated by Certified Professionals. They maintain question bank of valid Questions that is kept up-to-date by checking update on daily basis.

If you want to Pass your exam Fast with improvement in your knowledge about latest course contents and syllabus of new syllabus, They recommend to get 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 get Account. You can get Premium study guide files as many times as you want, There is no limit.

Killexams.com has provided VCE practice questions 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 Test Center and Enjoy your Success.




1D0-735 study guide | CGRN exam tips | PEGAPCRSA80V1_2019 Dumps | H31-211 Free PDF | AZ-104 cheat sheets | 3V0-22.21N test example | MB-230 exam prep | CMT-Level-II test questions | SPLK-1002 cbt | AP0-001 dumps | SCNS-EN certification trial | ACA-Cloud1 online exam | Nutanix-NCP study guide | EX200 test prep | 701-100 Latest syllabus | PCSAE writing test questions | CIMAPRA19-F01-1-ENG exam results | 050-886 exam preparation | IAPP-CIPP-E Free exam PDF | 156-915.80.10 PDF Dumps |


Salesforce-Certified-Marketing-Cloud-Consultant - Certified Marketing Cloud Consultant learn
Salesforce-Certified-Marketing-Cloud-Consultant - Certified Marketing Cloud Consultant PDF Braindumps
Salesforce-Certified-Marketing-Cloud-Consultant - Certified Marketing Cloud Consultant braindumps
Salesforce-Certified-Marketing-Cloud-Consultant - Certified Marketing Cloud Consultant genuine Questions
Salesforce-Certified-Marketing-Cloud-Consultant - Certified Marketing Cloud Consultant braindumps
Salesforce-Certified-Marketing-Cloud-Consultant - Certified Marketing Cloud Consultant Free exam PDF
Salesforce-Certified-Marketing-Cloud-Consultant - Certified Marketing Cloud Consultant Questions and Answers
Salesforce-Certified-Marketing-Cloud-Consultant - Certified Marketing Cloud Consultant test prep
Salesforce-Certified-Marketing-Cloud-Consultant - Certified Marketing Cloud Consultant tricks
Salesforce-Certified-Marketing-Cloud-Consultant - Certified Marketing Cloud Consultant cheat sheet
Salesforce-Certified-Marketing-Cloud-Consultant - Certified Marketing Cloud Consultant PDF Download
Salesforce-Certified-Marketing-Cloud-Consultant - Certified Marketing Cloud Consultant Question Bank
Salesforce-Certified-Marketing-Cloud-Consultant - Certified Marketing Cloud Consultant test
Salesforce-Certified-Marketing-Cloud-Consultant - Certified Marketing Cloud Consultant Free exam PDF
Salesforce-Certified-Marketing-Cloud-Consultant - Certified Marketing Cloud Consultant exam Questions
Salesforce-Certified-Marketing-Cloud-Consultant - Certified Marketing Cloud Consultant PDF Questions
Salesforce-Certified-Marketing-Cloud-Consultant - Certified Marketing Cloud Consultant boot camp
Salesforce-Certified-Marketing-Cloud-Consultant - Certified Marketing Cloud Consultant Real exam Questions
Salesforce-Certified-Marketing-Cloud-Consultant - Certified Marketing Cloud Consultant Cheatsheet
Salesforce-Certified-Marketing-Cloud-Consultant - Certified Marketing Cloud Consultant syllabus
Salesforce-Certified-Marketing-Cloud-Consultant - Certified Marketing Cloud Consultant cheat sheet
Salesforce-Certified-Marketing-Cloud-Consultant - Certified Marketing Cloud Consultant genuine Questions
Salesforce-Certified-Marketing-Cloud-Consultant - Certified Marketing Cloud Consultant exam Questions
Salesforce-Certified-Marketing-Cloud-Consultant - Certified Marketing Cloud Consultant Test Prep
Salesforce-Certified-Marketing-Cloud-Consultant - Certified Marketing Cloud Consultant PDF Questions
Salesforce-Certified-Marketing-Cloud-Consultant - Certified Marketing Cloud Consultant information search
Salesforce-Certified-Marketing-Cloud-Consultant - Certified Marketing Cloud Consultant exam dumps
Salesforce-Certified-Marketing-Cloud-Consultant - Certified Marketing Cloud Consultant exam Questions
Salesforce-Certified-Marketing-Cloud-Consultant - Certified Marketing Cloud Consultant dumps
Salesforce-Certified-Marketing-Cloud-Consultant - Certified Marketing Cloud Consultant PDF Braindumps
Salesforce-Certified-Marketing-Cloud-Consultant - Certified Marketing Cloud Consultant teaching
Salesforce-Certified-Marketing-Cloud-Consultant - Certified Marketing Cloud Consultant braindumps
Salesforce-Certified-Marketing-Cloud-Consultant - Certified Marketing Cloud Consultant course outline
Salesforce-Certified-Marketing-Cloud-Consultant - Certified Marketing Cloud Consultant exam Cram
Salesforce-Certified-Marketing-Cloud-Consultant - Certified Marketing Cloud Consultant exam success
Salesforce-Certified-Marketing-Cloud-Consultant - Certified Marketing Cloud Consultant testing
Salesforce-Certified-Marketing-Cloud-Consultant - Certified Marketing Cloud Consultant tricks
Salesforce-Certified-Marketing-Cloud-Consultant - Certified Marketing Cloud Consultant PDF Dumps
Salesforce-Certified-Marketing-Cloud-Consultant - Certified Marketing Cloud Consultant cheat sheet
Salesforce-Certified-Marketing-Cloud-Consultant - Certified Marketing Cloud Consultant answers
Salesforce-Certified-Marketing-Cloud-Consultant - Certified Marketing Cloud Consultant testing
Salesforce-Certified-Marketing-Cloud-Consultant - Certified Marketing Cloud Consultant braindumps
Salesforce-Certified-Marketing-Cloud-Consultant - Certified Marketing Cloud Consultant PDF Questions
Salesforce-Certified-Marketing-Cloud-Consultant - Certified Marketing Cloud Consultant certification

Other Salesforce exam Dumps


Certified-Data-Architecture-and-Management-Designer mock questions | PDII Latest Questions | CRT-251 real questions | Salesforce-AI-Associate model question | Salesforce-Marketing-Cloud-Developer exam Questions | ADM-211 certification sample | Salesforce-Process-Automation-Accredited-Professional dump | Salesforce-Certified-Advanced-Administrator mock exam | Salesforce-Loyalty-Management exam questions | Salesforce-Financial-Services-Cloud real questions | Salesforce-B2B-Solution-Architect past exams | Salesforce.Field-Service-Lightning-Consultant exam dumps | FSLCC Practice Questions | PDX-101 exam test | Salesforce-Manufacturing-Cloud-Professional study guide | Salesforce-Data-Cloud test sample | DEX-403 questions and answers | Salesforce-Public-Sector-Solutions-Accredited-Professional questions and answers | ADM-201 test questions | Salesforce-Advanced-Cross-Channel PDF Dumps |


Best study guide You Ever Experienced


NS0-003 dumps | 5V0-11.21 real questions | JN0-664 Latest Topics | AZ-700 Practice Test | SPLK-1002 braindumps | ACA-BIGDATA1 online exam | 500-275 prep questions | DCA pass exam | F50-522 Cheatsheet | MAC-16A VCE | 920-327 past bar exams | RPFT exam questions | 2V0-71.23 practice questions | 2V0-31.21 Test Prep | 2B0-018 exam papers | CIS-RCI study material | ACLS practice exam | CCDAK free online test | Servicenow-CIS-HR exam questions | 050-886 free pdf |





References :


https://arfansaleemfan.blogspot.com/2020/08/salesforce-certified-marketing-cloud_25.html
https://sites.google.com/view/killexams-sales-force
http://killexams12.isblog.net/salesforce-certified-marketing-cloud-consultant-certified-marketing-cloud-consultant-updated-cheet-sheet-by-killexams-com-14580085
http://feeds.feedburner.com/WhenYouRememberTheseSalesforce-certified-marketing-cloud-consultantQaYouWillGet100Marks
https://www.instapaper.com/read/1398180022
https://files.fm/f/v28xm6c3w



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






Direct Download

Salesforce-Certified-Marketing-Cloud-Consultant 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.

Salesforce-Certified-Marketing-Cloud-Consultant Reviews

100% Valid and Up to Date Salesforce-Certified-Marketing-Cloud-Consultant 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