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 TA-002-P?

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HashiCorp TA-002-P : HashiCorp Certified: Terraform Associate 2023 ACTUAL EXAM QUESTIONS

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Latest 2023 Updated HashiCorp HashiCorp Certified: Terraform Associate 2023 Syllabus
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Exam Number : TA-002-P
Exam Name : HashiCorp Certified: Terraform Associate 2023
Vendor Name : HashiCorp
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TA-002-P test Format | TA-002-P Course Contents | TA-002-P Course Outline | TA-002-P test Syllabus | TA-002-P test Objectives

Title: HashiCorp Certified: Terraform Associate (TA-002-P)

Test Detail:
The HashiCorp Certified: Terraform Associate (TA-002-P) test is designed to validate the knowledge and skills required to effectively use Terraform to automate infrastructure provisioning and management. This certification is intended for professionals who work with Terraform and are responsible for designing and implementing infrastructure as code solutions.

Course Outline:
The HashiCorp Certified: Terraform Associate course provides participants with a comprehensive understanding of Terraform and its capabilities. The following is a general outline of the key areas covered in the certification program:

1. Introduction to Infrastructure as Code (IaC) and Terraform:
- Understanding the principles and benefits of IaC
- Introduction to Terraform and its use cases
- Terraform installation and basic configuration

2. Terraform Configuration Language (HCL):
- Learning the syntax and structure of HCL
- Declaring and managing resources using HCL
- Using variables, modules, and data sources in Terraform configurations

3. Terraform Workflow and Commands:
- Understanding the Terraform workflow and state management
- Initializing and planning Terraform configurations
- Applying and destroying infrastructure using Terraform

4. Terraform Providers and Modules:
- Exploring Terraform providers and their configuration
- Leveraging community and custom modules in Terraform
- Working with remote and local modules

5. Terraform Best Practices and Security:
- Implementing best practices for Terraform code organization and version control
- Applying security practices for protecting sensitive information
- Managing Terraform workspaces and environments

Exam Objectives:
The HashiCorp Certified: Terraform Associate (TA-002-P) test assesses candidates' knowledge and skills in using Terraform for infrastructure provisioning and management. The test objectives include, but are not limited to:

1. Understanding the Terraform workflow and core concepts.
2. Writing and managing Terraform configurations using HCL.
3. Using Terraform commands for initialization, planning, and applying changes.
4. Configuring and using Terraform providers and modules.
5. Applying best practices and security measures when working with Terraform.

Syllabus:
The HashiCorp Certified: Terraform Associate (TA-002-P) certification program typically includes comprehensive training provided by HashiCorp or authorized training partners. The syllabus provides a breakdown of the syllabus covered throughout the course, including specific learning objectives and milestones. The syllabus may include the following components:

- Introduction to the HashiCorp Certified: Terraform Associate (TA-002-P) test overview and certification process
- Introduction to Infrastructure as Code and Terraform
- Terraform Configuration Language (HCL)
- Terraform Workflow and Commands
- Terraform Providers and Modules
- Terraform Best Practices and Security
- test Preparation and Practice Tests
- Final HashiCorp Certified: Terraform Associate (TA-002-P) Certification Exam

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HashiCorp HashiCorp cheat sheet

IBM Watson: A Cheat Sheet

IBM Watson is designed to make businesses more intelligent, so every member can perform at their best. It first garnered worldwide attention in 2011 as the computerized “brain” that won one million dollars on the TV game show Jeopardy! by beating human contestants. Since then, IBM has widely deployed Watson in many industry verticals and areas of application, and it has become the gold standard for purposeful analytics processing.

IBM Watson is an excellent data analysis platform integrated with advanced application programming interfaces, software-as-a-service application and specialized tooling. It leverages these tools for complex data analysis use cases and can be integrated with different platforms for optimizing daily tasks and enabling businesses to make the right decisions.

Jump to:

What is IBM Watson?

IBM Watson is a data analytics processor, named after IBM CEO Thomas J. Watson, that leverages natural language processing. This technology offers speech analysis to understand the syntax, context and meaning while translating it into actionable and practical answers.

SEE: Explore all of TechRepublic’s cheat sheets and smart person’s guides.

Watson was originally developed in IBM’s DeepQA research project. The primary goal was to develop a natural language-responsive system that could interpret questions asked in a human language, analyze vast amounts of data and return answers that it would take human researchers days, weeks or even months to derive.

Key features of IBM Watson Cloud environment

IBM Watson’s cloud availability means companies can start small and pay for what they use. In addition, this means businesses won’t have to invest in in-house computing devices or hardware, which can be expensive.

API integration

IBM Watson is integrated with various APIs, allowing developers to combine different features of Watson into the business apps.

More must-read AI coverage

In addition, Watson APIs make incorporating conversation, language and advanced text analytics into applications easy. For example, Watson’s Natural Language Understanding can analyze text and return a five-level taxonomy of the content, concepts, emotion, sentiment, entities and relations.

Watson Orchestrate

Orchestrate provides automation for employees by streamlining processes and repetitive tasks accessed through open APIs and robotics process automation integrations. With Orchestrate, employees free up time to pursue more things on their “want-to-do” list, making them more effective.

Watson Assistant

Assistant builds better virtual agents to quickly get accurate answers across applications and devices from customer service to internal IT help desk and human resources teams. It delivers consistent and intelligent customer care across all channels and touchpoints with conversational AI.

Watson Code Assistant

Code Assistant enables developers with various levels of expertise to write code with AI-generated recommendations, making it easier for anyone to write code. Code Assistant brings the power of IT automation to the entire organization as a strategic, accessible asset for more users — not just the subject-matter experts.

How does IBM Watson work?

IBM Watson is deployed across a cluster of IBM Power servers, each running an instance of the software, and these servers communicate and work together to process large amounts of data and carry out complex tasks.

As a result, Watson can leverage parallel processing, meaning it can perform many tasks simultaneously by distributing them across multiple servers. Its parallel processing capability makes Watson extremely scalable, as additional servers can be added to the cluster to increase its processing power.

Use cases of IBM Watson

IBM Watson was initially developed to take months of research and provide answers within a few seconds or minutes. As a showcase of its processing power, in 2011, Watson won against human contestants on the game show Jeopardy!

Two years later, IBM announced the first commercial application of Watson with cancer research. Since then, IBM Watson has since become a common choice for various industries, including healthcare, engineering, education and entertainment.

Healthcare

Watson’s ability to process and understand large amounts of complex data makes it extremely valuable in healthcare. Watson can analyze medical literature, clinical guidelines and patient records to assist doctors in diagnosing diseases and suggesting treatments.

For example, the Watson for Oncology application can analyze a patient’s medical information and provide a list of potential treatment options based on current medical guidelines and data from similar patients.

Finance

Watson has been used in the financial industry to enhance customer service, risk management and financial forecasting. Watson’s natural language processing capabilities in customer service can build sophisticated chatbots that handle customer inquiries.

In addition, Watson can analyze various data sources for risk management to detect potential signs of fraud or other financial risks. Watson’s machine learning algorithms can also create more accurate financial forecasts by analyzing market trends and other relevant data.

Retail

Watson’s machine learning and natural language processing abilities create personalized shopping experiences in retail. For instance, Watson can analyze a customer’s shopping history and preferences to recommend products they might be interested in. Watson can also optimize inventory management by analyzing sales data and predicting future demand trends.

Who should use IBM Watson?

IBM Watson is one of the best choices for data scientists who want to develop unique algorithms and queries, as it can derive answers based on a variety of industry knowledge bases. As such, IBM Watson can be applied to different public sector organizations, companies and institutes.

IBM Watson APIs allows developers to incorporate advanced AI functionalities into their applications without developing and maintaining complex AI models. This can significantly accelerate development timelines and empower developers to build more intelligent and innovative solutions.

IBM Watson vs. other analytics applications

IBM Watson stands out from other analytics applications because it focuses on artificial intelligence and cognitive computing capabilities. While traditional analytics applications provide valuable insights based on historical data and statistical methods, Watson goes beyond that by incorporating AI, machine learning, natural language processing and other advanced technologies:

AI-powered insights: IBM Watson’s AI offers the ability to analyze unstructured data like text, images and audio to provide deeper insights from diverse data sources, unlocking valuable information that would otherwise remain untapped.

Natural language understanding: NLU capabilities enable users to interact with systems using natural language queries, making IBM Watson more user-friendly and accessible to a broader range of users and allowing nontechnical stakeholders to gain insights and make data-driven decisions easily.

Machine learning integration: IBM Watson seamlessly integrates with ML algorithms, allowing users to build predictive models and perform advanced analytics tasks as well as streamlining the process of developing and deploying AI-driven solutions.

Domain-specific solutions: IBM Watson’s domain-specific applications come with pretrained models, making it quicker for businesses to adopt AI in their specific fields.

Natural language generation: IBM Watson’s NLG capabilities enable it to generate human-like written responses or summaries, which can be beneficial for creating reports, communicating insights and automating content generation.

Other analytics applications may excel in providing traditional business intelligence and data analysis capabilities, but IBM Watson’s AI and cognitive computing capabilities set it apart. All in all, IBM Watson allows organizations to derive deeper insights, automate processes and drive innovation in various industries and use cases.

IBM Watson’s competitors MATLAB

MATLAB is a high-level programming language and interactive environment primarily used for numerical computing, data analysis, visualization and algorithm development. It allows users to perform complex mathematical operations and create applications for various scientific and engineering applications.

RapidMiner

RapidMiner is a powerful and user-friendly data science platform that enables organizations to efficiently build, deploy and operationalize predictive models and advanced analytics. It offers a visual workflow interface that simplifies the entire data mining and machine learning process, making it accessible to data scientists and business users.

Vertex AI

Vertex AI is a machine learning platform offered by Google Cloud that simplifies and accelerates the development and deployment of AI models. It provides a unified interface for data preparation, training, evaluation and deployment. This makes it easier for developers and data scientists to build scalable and production-ready machine-learning solutions.

Alteryx

Alteryx is a self-service data analytics platform that empowers users to prepare, blend and analyze data from various sources without the need for complex coding. Alteryx also offers a visual workflow interface that enables data blending, advanced analytics and data science tasks. This makes it accessible to both data analysts and business users for faster and more insightful decision-making.

SEE: Explore how IBM Watson compares to other competitors like Microsoft Azure and AWS IIoT Core.

How can I get IBM Watson?

Companies that can afford an investment into multiple millions of dollars can purchase an in-house IBM Watson system, which consists of several servers tethered together into a processing cluster. For companies without these resources, Watson can be accessed for free through the IBM cloud. For example, IBM offers a software developer’s cloud powered by Watson. It also provides a cloud-based global healthcare analytics cloud.

Fantasy Football cheat sheets: PPR, non-PPR, depth charts

Aug 18, 2023, 07:48 PM ET

If you're seeking a one-stop shop for updated 2023 fantasy football rankings, depth charts and cheat sheets throughout the summer, you've come to the right place. Below, you will find them for PPR (point per reception) and non-PPR formats, as well as dynasty leagues.

Pigskin Win Totals

Take your shot at picking win totals for all 32 teams for a chance to win up to $10,000!Make Your Picks

PPR positional cheat sheet

One sheet with players broken down by position, including overall rank, salary-cap value and bye weeks for leagues that award one point for each catch. They recommend this sheet for those using half-PPR, as the rankings are extremely similar. obtain »

PPR top-300 cheat sheet

This sheet features 300 players in order of overall draft value, with positional rank, salary-cap value and bye-week information for leagues that reward each catch with a point. They recommend this sheet for those using half-PPR, as the rankings are extremely similar. obtain »

Beginner's fantasy football PPR cheat sheet

The beginner's cheat sheet is streamlined to the 160 players you need to know for your 10-team PPR draft, organized by round and a write-in area to keep track of your team. Perfect for the first-time drafters and minimalists alike. obtain »

PPR top-300 superflex cheat sheet

This sheet features their rankings when drafting for a league featuring the offensive player (OP) slot, also known as superflex and available as a custom option in League Manager. The OP position can be filled by any QB-, RB-, WR- or TE-eligible player, which greatly enhances the value of quarterbacks in the rankings. obtain »

Cheat sheet

Eric Karabell's Do Not Draft list, RB and WR tiers, Eric Moody's QB and TE tiers, and Mike Clay's Ultimate Draft Board in one printable cheat sheet to bring with you to your fantasy football drafts. obtain »

It's never too early to start your fantasy football season

The offseason is heating up and it's the perfect time to kick off your fantasy season. Create a league and customize league size, scoring and rules to play in the league you want to play in.

Create a league today!

Non-PPR positional cheat sheet

For leagues using the scoring format that doesn't award an extra point for each reception. One sheet with players broken down by position, including overall rank, salary-cap value and bye weeks. obtain »

Non-PPR top-300 cheat sheet

This sheet features 300 players in order of overall draft value, with positional rank, salary-cap value and bye-week information. obtain »

Mike Clay's team-by-team projection guide

If you want the full breakdown for all 32 teams, you've come to the right place. obtain »

Go deeper on every player

Mike Clay's projections and outlooks for hundreds of players for the 2023 fantasy football season.

2023 projections & outlooks

NFL team depth chart cheat sheet

Fantasy depth charts for each NFL team: top two quarterbacks, three running backs, four wide receivers, two tight ends and a kicker. Prioritized by fantasy value in PPR leagues rather than role-defined on a traditional NFL depth chart, this includes players' overall ranks. obtain »

Dynasty cheat sheet

Features the top 240 players and 60 best rookies to make all of your keeper and dynasty league decisions. Includes the players' draft years/rounds and ages at the start of the 2022 season. obtain »

* All cheat sheets are in PDF format. Your device must be equipped with a PDF reader for you to access and print the cheat sheet.

College Fantasy Football Rankings 2023: Top 200 cheat sheet

Prepare to revolutionize your college fantasy football draft strategy like never before! CFBDynasty is back in action, bringing you the ultimate tool to dominate your league. Behold their top 200 rankings -- or the ultimate college fantasy football cheat sheet -- presented in partnership with The Sporting News.

Whether you're a seasoned college fantasy vet or a rookie looking to make a splash, their meticulously crafted Top 200 cheat sheet is your roadmap to drafting success. Say goodbye to confusion during the draft and unexpected bye-week dilemmas. With their cheat sheet in hand, you'll navigate your draft with confidence, securing a team poised for fantasy glory.

MORE CFBDYNASTY: Use coupon code "sportingnews" for 15% off CFBDynasty’s continuously updated rankings of over 1,500 players and cheat sheets for redraft, keeper, & dynasty/devy leagues!

We're taking things a step further this year! For the most up-to-date insights, expert analysis, and real-time updates, CFBDynasty.com is your one-stop destination. Their cheat sheet isn't just a static list -- it's a dynamic resource that evolves with the season, ensuring you stay informed and ahead of the competition.

Yearning for even more strategic guidance? Look no further than CFBDynasty's YouTube channel and podcast network. Subscribe and tune in for a wealth of insider tips, tactical breakdowns, and player spotlights that will provide you the competitive edge needed to outmaneuver your opponents.

DOMINATE YOUR NFL FANTASY DRAFT: Ultimate 2023 Cheat Sheet

Hold onto your seats because we're about to unveil a game-changing secret weapon! CFBDynasty is gearing up to introduce a revolutionary set of college football DFS tools designed to supercharge your DraftKings and FanDuel lineup decisions. With data-driven precision at your fingertips, you'll construct winning lineups that leave the competition in the dust.

So, whether you're a college football aficionado or a dedicated fantasy football fanatic, the CFBDynasty top 200 college fantasy cheat sheet is your golden ticket to a triumphant season. Join us on this exhilarating journey filled with epic touchdowns, nail-biting matchups, and fantasy glory. Get ready to draft like a champion as they embark on a quest for fantasy football greatness together!

MORE CFBDYNASTY: Use coupon code "sportingnews" for 15% off CFBDynasty’s continuously updated rankings of over 1,500 players and cheat sheets for redraft, keeper, & dynasty/devy leagues!

Rankings based on standard, two-QB formats

Rank Pos Rank Player Team Class Bye 1 RB1 Quinshon Judkins Miss So 7 2 QB1 Caleb Williams USC Jr 3,13 3 RB2 Raheim Sanders Ark Jr 9 4 WR1 Marvin Harrison Jr. OSU Jr 5 5 QB2 Bo Nix Oreg Sr 6 6 RB3 Braelon Allen Wisc So 5 7 QB3 Austin Reed W Ky Sr 9 8 QB4 Drake Maye UNC So 5 9 WR2 Malachi Corley W Ky Jr 9 10 WR3 De'Corian Clark UTSA Sr 5 11 RB4 Blake Corum Mich Jr 9 12 WR4 Rome Odunze Wash So 6 13 WR5 Emeka Egbuka OSU So 5 14 QB5 Michael Penix Jr. Wash Jr 6 15 TE1 Brock Bowers UGA Jr 8 16 QB6 Kyle McCord OSU So 5 17 QB7 Chandler Morris TCU Fr 9 18 QB8 Frank Harris UTSA Sr 5 19 WR10 Jalen McMillan Wash So 6 20 QB9 Michael Pratt Tul Jr 6 21 RB5 Will Shipley Clem Jr 7 22 WR11 Sam Wiglusz Ohio Sr 5,10 23 RB6 Rasheen Ali Marsh So 3 24 RB7 La'Damian Webb SoAl Jr 7 25 TE2 Brant Kuithe Utah Sr 6 26 RB8 Kevorian Barnes UTSA Fr 5 27 RB9 Frank Gore Jr. SMiss So 7 28 RB10 TreVeyon Henderson OSU So 5 29 WR12 Troy Franklin Oreg So 6 30 RB11 Trey Benson FlaSt So 5 31 QB12 Tyler Shough TxTch Sr 9 32 WR13 Joshua Cephus UTSA Sr 5 33 WR14 Xavier Worthy Tex So 7 34 QB10 Preston Stone SMU Fr 6 35 QB11 Riley Leonard Duke So 6 36 RB12 Marquez Cooper Ball Sr 9 37 RB13 Jase McClellan Ala Jr 9 38 WR6 Jacob Cowing Ariz Sr 8 39 QB13 Donovan Smith Hou So 6 40 WR7 Tory Horton ColSt Jr 2 41 WR8 Matthew Golden Hou Fr 6 42 RB14 Sieh Bangura Ohio So 5,10 43 RB15 Nick Singleton PSU Fr 6 44 WR9 Devontez Walker UNC So 5 45 RB16 Damien Martinez OreSt Fr 8 46 TE3 Oronde Gadsden II Syr So 8 47 WR15 Squirrel White Tenn Fr 6 48 QB14 Joe Milton Tenn Sr 6 49 QB15 Jordan Travis FlaSt Jr 5 50 QB16 KJ Jefferson Ark Jr 9 51 RB17 Carson Steele UCLA So 5 52 WR16 Jordan Kerley SMU Jr 6 53 RB18 Samson Evans E Mi Sr 10 54 WR17 Derwin Burgess Jr. GaSo So 6 55 RB19 Aidan Robbins BYU Sr 6 56 QB17 Jayden Daniels LSU Jr 9 57 RB20 Ray Davis KY Sr 8 58 RB21 Rodney Hammond Jr. Pitt So 6 59 RB22 Jarquez Hunter Aub So 6 60 QB18 Dequan Finn Toled So 11 61 RB23 LeQuint Allen Syr Fr 8 62 RB24 Mar'Keise Irving Oreg So 6 63 WR18 Tetairoa McMillan Ariz Fr 8 64 WR19 Antwane Wells Jr. SCar Jr 6 65 RB25 Roman Hemby MD Fr 8 66 WR20 Luther Burden III Mizzu Fr 9 67 RB26 Ja'Quinden Jackson Utah Fr 6 68 WR21 Malik Nabers LSU So 9 69 WR22 Dorian Singer USC So 3,13 70 QB19 Jalen Milroe Ala Fr 9 71 WR23 Antonio Williams Clem Fr 7 72 WR24 Jamari Thrash Lou Jr 8 73 RB27 Michael Wiley Ariz Jr 8 74 QB20 Cade Klubnik Clem Fr 7 75 WR25 Alex Adams Akr So 9 76 WR26 LaJohntay Wester FlAtl So 5 77 WR27 Barion Brown KY Fr 8 78 QB21 Kurtis Rourke Ohio Jr 5,10 79 QB22 Quinn Ewers Tex Fr 7 80 RB28 Jalen White GaSo Jr 6 81 QB23 Davis Brin GaSo Sr 6 82 WR28 Khaleb Hood GaSo Sr 6 83 WR29 Zakhari Franklin Miss Sr 7 84 RB29 Josh McCray Ill So 9 85 RB30 Treshaun Ward K St So 5 86 RB31 Nakia Watson WaSt Jr 5 87 RB32 Devin Neal Kans So 8 88 QB24 Grayson McCall CoCar Jr 11 89 RB33 Jermaine Brown Jr. UAB Jr 1,9 90 WR30 J.Michael Sturdivant UCLA Fr 5 91 QB25 John Rhys Plumlee UCF Sr 7 92 TE4 Ja'Tavion Sanders Tex So 7 93 QB26 Jayden de Laura Ariz So 8 94 RB34 Ollie Gordon OkSt Fr 5 95 RB35 CJ Donaldson WVU So 6 96 RB36 Kaleb Johnson Iowa Fr 9 97 RB37 Trevor Etienne Fla So 8 98 QB27 Jalon Daniels Kans Jr 8 99 TE5 RJ Maryland SMU Fr 6 100 QB28 Dillon Gabriel Okla Jr 7 101 QB29 Sam Hartman ND Jr 8,11 102 QB30 Cameron Rising Utah Jr 6 103 TE6 Luke Lachey Iowa So 9 104 QB31 Tanner Mordecai Wisc Sr 5 105 QB32 Taylen Green Boise Fr 8 106 TE7 Brevyn Spann-Ford Minn Sr 7 107 WR37 Dante Cephas PSU Jr 6 108 QB33 Chevan Cordeiro SJSU Sr 5,10 109 QB34 Malik Hornsby TxSt So 8 110 QB35 Drew Allar PSU Fr 6 111 RB38 Alton McCaskill Colo Jr 8 112 WR38 Jerand Bradley TxTch Fr 9 113 QB36 D.J. Uiagalelei OreSt Sr 8 114 QB37 Brennan Armstrong NCSt Sr 8 115 QB38 Spencer Rattler SCar Jr 6 116 TE8 Bryson Nesbit UNC So 5 117 WR39 Sam Pinckney CoCar Sr 11 118 WR40 Jahmal Banks Wake So 1,5 119 RB40 Harrison Waylee Wyo So 8 120 RB41 Antario Brown NIU So 9 121 RB42 Juju McDowell SCar So 6 122 RB43 Jaylen Wright Tenn So 6 123 WR41 Jalil Farooq Okla So 7 124 WR42 Evan Stewart TxAM Fr 7 125 WR43 Bru McCoy Tenn Jr 6 126 WR44 Adonai Mitchell Tex So 7 127 TE9 Jalin Conyers AzSt So 7 128 WR45 Devin Voisin SoAl Jr 7 129 WR46 Isaiah Williams Ill So 9 130 QB39 Will Howard K St Jr 5 131 QB40 J.J. McCarthy Mich So 9 132 RB39 George Holani Boise Jr 8 133 TE10 Jaheim Bell FlaSt Jr 5 134 QB41 Jaxson Dart Miss Jr 7 135 RB44 Donovan Edwards Mich So 9 136 RB45 Kaytron Allen PSU So 6 137 WR31 Will Sheppard Vand Jr 8 138 WR32 Tyrin Smith UTEP So 6 139 WR33 Elijhah Badger AzSt So 7 140 RB46 Miyan Williams OSU Jr 5 141 WR34 Bradley Rozner Rice Sr 7 142 WR35 Jerjuan Newton Toled Jr 11 143 WR36 Johnny Wilson FlaSt So 5 144 RB47 Audric Estime ND So 8,11 145 TE11 CJ Dippre Ala So 9 146 RB48 RJ Harvey UCF Jr 7 147 RB49 Ashton Jeanty Boise So 8 148 RB50 Jadyn Ott Cal So 8 149 RB51 Jo'quavious Marks MisSt Jr 7 150 WR47 Corey Rucker ArkSt Jr 7 151 RB52 Nate Noel App So 7 152 RB53 Logan Diggs LSU So 9 153 RB54 Montrell Johnson Fla So 8 154 RB55 MarShawn Lloyd USC So 3,13 155 DST1 Mich 9 156 WR48 Dont'e Thornton Tenn So 6 157 WR49 Mario Williams USC So 3,13 158 WR50 Ja'Corey Brooks Ala So 9 159 RB56 Reggie Love III Ill So 9 160 RB57 Tylan Hines Hawaii Fr 6 161 RB58 Jaylan Knighton SMU So 6 162 TE12 Brady Hunt Ball So 9 163 WR51 Jeremiah Hunter Cal Jr 8 164 RB59 Marlon Gunn ECU So 6 165 RB60 Sean Tyler Minn Jr 7 166 DST2 UGA 8 167 TE13 Corey Dyches MD So 8 168 WR52 Javon Baker UCF Jr 7 169 WR53 Ryan O'Keefe BC Sr 7 170 WR54 Tyrese Chambers MD Sr 8 171 RB61 Micah Bernard Utah So 6 172 RB75 Cameron Davis Wash So 6 173 WR55 Jermaine Burton Ala Jr 9 174 TE14 Michael Trigg Miss So 7 175 WR56 Justin Lockhart SJSU Jr 5,10 176 WR57 Michael Mathison W Ky Jr 9 177 RB62 Devin Mockobee Purd So 8 178 WR58 Tahj Washington USC Jr 3,13 179 WR59 Keon Coleman FlaSt So 5 180 RB63 Jawhar Jordan Lou So 8 181 RB70 Kendall Milton UGA Jr 8 182 RB71 Gabe Ervin Neb So 7 183 WR60 Ali Jennings VaTec Jr 8 184 WR61 Elijah Spencer Minn So 7 185 TE15 Caden Prieskorn Miss Jr 7 186 WR62 Colbie Young MiaFL So 5 187 RB72 DJ Giddens K St So 5 188 RB64 Malik Sherrod Fres So 8 189 RB65 John Lee Eldridge AF Jr 6 190 WR63 Terrell Vaughn UtSt Jr 9 191 WR64 Dalvin Smith W Ky So 9 192 DST3 Ala 9 193 WR65 Jared Brown CoCar Fr 11 194 RB66 Kimani Vidal Troy Jr 8 195 WR66 Ainias Smith TxAM Sr 7 196 WR67 Erik Brooks Fres Sr 8 197 WR68 Corey Gammage UCF Jr 7 198 DST4 Iowa 9 199 WR69 Tanner Knue E Mi Sr 10 200 TE16 Benjamin Yurosek Stan Jr 6

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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