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 ACA-Cloud1?
Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der ACA-Cloud1: ACA Cloud Computing Certification Exam Prüfung.
2024 Updated Actual ACA-Cloud1 questions as experienced in Test Center
Aktuelle ACA-Cloud1 Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz
E html>Alibaba ACA-Cloud1 : ACA Cloud Computing Certification test Practice TestsPractice Tests Organized by Richard |
Latest 2024 Updated Alibaba ACA Cloud Computing Certification test Syllabus
ACA-Cloud1 dumps collection with Premium PDF and Test Engine
Practice Tests and Free VCE Software - Questions Updated on Daily Basis
Big Discount / Cheapest price & 100% Pass Guarantee
ACA-Cloud1 dumps collection : Download 100% Free ACA-Cloud1 practice questions (PDF and VCE)
Exam Number : ACA-Cloud1
Exam Name : ACA Cloud Computing Certification Exam
Vendor Name : Alibaba
Update : Click Here to Check Latest Update
Question Bank : Check Questions
These ACA-Cloud1 Pass Guides are very well informed
Many candidates who have gone through the ACA-Cloud1 test feel that ACA-Cloud1 test questions are entirely different from the ACA-Cloud1 digital book and course books. They take this issue seriously and have collected the most refreshed, latest, and legitimate ACA-Cloud1 PDF Download to create a database that will assist candidates in passing the test with excellent grades.
At killexams.com, they are proud of the success stories of countless individuals who have passed the ACA-Cloud1 test with their Questions and Answers. These individuals have secured excellent positions within their companies, and they have reported an improvement in their knowledge after using their ACA-Cloud1 Free PDF. They don't just focus on helping people pass the ACA-Cloud1 test with their braindumps; they aim to enhance their understanding of ACA-Cloud1 concepts and topics, so they can excel in their field. Their commitment to their customers has made us a trusted name in the industry.
Passing the real Alibaba ACA-Cloud1 test is not easy, and relying solely on ACA-Cloud1 textbooks or free online resources won't cut it. The test includes tricky questions and scenarios that can confuse even the most seasoned professional. That's where killexams.com comes in. They offer Real ACA-Cloud1 PDF Questions in the form of Exam Questions and VCE test simulator to help you prepare for the exam. You can get their free ACA-Cloud1 Exam Questions before registering for the full version of ACA-Cloud1 PDF Questions. We're confident that you'll be satisfied with the quality of their Questions and Answers. Don't forget to check for special discount coupons to make the most of your purchase.
To pass the ACA Cloud Computing Certification Exam exam, you need to have a clear understanding of the ACA-Cloud1 syllabus and access to an up-to-date question bank. reading and practicing with actual questions is the best way to achieve quick success. The real ACA-Cloud1 test includes tricky questions, which can be mastered by downloading and reading their free ACA-Cloud1 Exam Questions test questions from killexams.com. Once you feel confident in retaining the ACA-Cloud1 questions, register and obtain access to their latest and valid ACA-Cloud1 Free PDF containing real test questions and answers. Install VCE simulator on your PC and take practice questions as often as possible. Once you have memorized all the questions in the ACA Cloud Computing Certification Exam questions bank, it's time to head to the Exam Center and sit for the real exam.
ACA-Cloud1 test Format | ACA-Cloud1 Course Contents | ACA-Cloud1 Course Outline | ACA-Cloud1 test Syllabus | ACA-Cloud1 test Objectives
Alibaba Cloud Certification Associate (ACA - Alibaba Cloud Certification Associate) is a certification designed for personnel who can use Alibaba Cloud Computing products. It covers all of Alibaba Cloud's core products from computing, storage, networking to security.
Exam Overview
Certification:ACA Cloud Computing Certification
Duration:90 minutes
Test type:Registration online and take the test at offline test center
Available Languages:English
Attention:Please note if you want to take the same certification test again, you must have at least 14 days gap between the 2 exams.
Alibaba Cloud Certification Associate (ACA - Alibaba Cloud Certification Associate) is a
certification technical designed for personnel who can use Alibaba Cloud Computing products. It
covers Alibaba Cloud's core products including computing, storage, networking and security. This
certification assesses the certificate holders' possession of the following capabilities:
● Has general knowledge of IT, Cloud Computing and Network Security.
● Is able to develop general solutions and enterprise best practices based on Alibaba
Cloud's products and business needs.
● Has knowledge in the use and operation of Alibaba Cloud's ECS, Server Load Balancers,
OSS, VPC, Auto Scaling, CDN, Alibaba Cloud Security and CloudMonitor products.
Alibaba Cloud-related knowledge:
● Familiar with the concepts of Alibaba Cloud Computing related products, including ECS,
Server Load Balancers, Auto Scaling, OSS, Alibaba Cloud Security services and
CloudMonitor (the same below).
● Aware of main application scenarios of Alibaba Cloud Computing-related products and
how they shall be used together.
● Familiar with operations of Alibaba Cloud Computing-related products, including
activating, creating, configuring, starting and stopping and deleting a service instance.
● Familiar with features of Alibaba Cloud Computing-related products and key product
implementation principles.
● Able to discover and resolve common issues emerged during the use of Alibaba Cloud
Computing-related products.
ECS 30%
Server Load Balancer 20%
Object Storage Service (OSS) 15%
Relation Database (RDS) 10%
Auto Scaling 10%
Alibaba Cloud Security Service and Cloud Monitor 10%
General knowledge about Cloud Computing 5%
ECS:
✓ Familiar with ECS-related concepts, including regions and zones, instances,
disks, snapshots, images, networks, and security groups.
✓ Has knowledge about the advantages, billing policies, application scenarios,
APIs and SDKs of ECS.
✓ Able to deploy applications based on ECS products.
✓ Familiar with the usage and operations of ECS instances, disks, security groups,
snapshots, images and tags.
● Auto Scaling:
✓ Familiar with the basic concepts related to Auto Scaling, including scaling
groups, scaling configuration, scaling rules, scaling activities, scaling trigger
tasks, scaling mode and freezing time.
✓ Familiar with Auto Scaling features, product advantages and common
application scenarios.
● Server Load Balancer:
✓ Familiar with Server Load Balancer-related basic concepts and features,
including the Server Load Balancer definition, implementation principles,
supported protocols, session persistence, health checks, backend server
weights, certificates, and forwarding policies.
✓ Familiar with Server Load Balancers product advantages and its application
scenarios.
✓ Has knowledge about usage, operation and maintenance of Server Load
Balancers, including Server Load Balancer configuration, maintenance,
precautions, and problem identification and handling.
● OSS:
✓ Familiar with the OSS-related concepts, including regions, buckets, objects,
anti-leech, and object lifecycle management.
✓ Has knowledge about the advantages, application scenarios and billing models
of OSS products.
✓ Has knowledge about the management, use and operations of OSS buckets and
objects.
● RDS:
✓ Familiar with the RDS-related concepts and the database type supported,
include MySQL, SQL Server, PostgreSQL and PPAS.
✓ Has knowledge about the advantages, application scenarios and billing models
of RDS products.
✓ Has knowledge about the management, use and operations of RDS instance,
such as connecting to RDS, read only and backup, etc.
● Alibaba Cloud Security services and CloudMonitor:
✓ Has basic security awareness and security basics of using Cloud services.
✓ Has knowledge about Alibaba Cloud Security series, such as Anti-DDoS Basic,
Anti-DDoS Pro, Security Center and CloudMonitor.
● General knowledge about Cloud Computing:
✓ Practitioners in the cloud computing field are required to possess basic
knowledge about the related concepts, technologies and cloud computing
advantages, including the definition, features, advantages, service types,
implementation technologies and deployment methods of cloud computing.
Killexams Review | Reputation | Testimonials | Feedback
How much practice is required for the ACA-Cloud1 test?
The study material provided by killexams.com is quite valid and reliable, with real ACA-Cloud1 questions and accurate answers. The test simulator works very well, and their customer support is excellent. Based on my private experience, I can say that no loose random practice questions available online can compare with the notable and best experience I had with killexams.com. I passed the test with high marks.
These ACA-Cloud1 practice questions work great in the real exam.
It is easy to put off studying and wait for the right moment to come. But sometimes, you need to take a stand before it's too late. As someone who primarily manages a ACA-Cloud1 customer base, I decided to take the certification test and become the expert in my office. A friend recommended killexams.com, and I tried their demo, loved it, and purchased the full package. The test simulator is fantastic, and it helped me become the new ACA-Cloud1 manager.
These ACA-Cloud1 Q&A offer suitable test insights.
Based on my personal experience, I strongly recommend solving the question papers one after the other to crack the exam. killexams.com provides powerful test material, making it a useful and helpful website. Thanks to the killexams crew for their excellent service.
No trouble! 24 hours of prep with updated ACA-Cloud1 real test questions is sufficient.
Thanks to killexams.com, I was able to answer all the questions on the EC exam. I highly recommend this resource to anyone looking to pass their IT exams, as it is an excellent asset for test preparation. Their Q&A were straightforward, and it made it easy for me to plan and prepare for the exam.
Read these ACA-Cloud1 real test questions and feel confident.
I thank killexams.com for providing me with high-quality training material for the ACA-Cloud1 exam, which helped me achieve a score of 98%. By memorizing all the questions and their answers, I was able to easily mark the right answers during the exam.
Alibaba Certification PDF Download
ACA-Cloud1 Exam
User: Lyubov***** I passed the aca-cloud1 test using Killexams.com and received my certificate. I have done all my certifications with Killexams.com and keep coming back for their bundles. The fact that I can practice on my computer at home and see the same questions as in the test simulator is amazing. Thanks to Killexams.com, I have reached the professional level, and I am happy with where I am in my career. |
User: Natesha***** I am happy to inform you that I passed the ACA-CLOUD1 test with Killexams, which was my vital preparation resource, and scored a respectable score. The test material is valid, and I highly recommend it to all individuals pursuing their IT certification. In my IT organization, there is not a single person who has not used/seen/heard of the killexams.com material. Not only do they help you pass, but they also ensure that you become a successful expert. |
User: Gaspar***** I am ecstatic to report that I passed the aca-cloud1 test with a remarkable score of 92%. The study notes provided by Killexams.com made the entire process much easier and smoother for me. I commend the team for their excellent work and urge them to continue producing high-quality materials. The study notes and practice exams were instrumental in my success. The subjects of teacher communication and presentation skills were covered exceptionally well. |
User: Sofía***** Preparing for the aca-cloud1 certification test can be complicated. Nine out of ten individuals fail the test without suitable guidance. Killexams aca-cloud1 practice questions are the solution to this problem. Their test practice questions offer an easy way to pass the aca-cloud1 exam. I appreciate the hard work of the Killexams team. |
User: Cecil***** The latest update to the ACA-CLOUD1 brainpractice test has impressed me. I was not expecting to find such new changes anywhere. Having just taken my first ACA-CLOUD1 exam, I am now planning to order this updated material soon. |
ACA-Cloud1 Exam
Question: My killexams account is not working, what should I do? Answer: First of all, you should check if your account is expired or not. If you see that your account validity is not over, you should re-set your password by clicking on Forgot Password on the login screen. If you see that it still does not work, contact live chat and provide your username. You can also send an email to support from your registered email address and provide your username with the issue you face and their team will solve the issue asap. |
Question: Is killexams website test prep updated daily? Answer: It depends on the vendor that takes the test, like Cisco, IBM, HP, CompTIA, and all others. There is no set frequency in which ACA-Cloud1 test is changed. The vendor can change the ACA-Cloud1 test questions any time they like. But when test questions are changed, they update their PDF and VCE accordingly. Their team keeps on checking updates of the ACA-Cloud1 exam. When test questions are changed in real ACA-Cloud1 tests, they update their PDF and VCE accordingly. There is no set frequency in which ACA-Cloud1 test is changed. The vendor can change the ACA-Cloud1 test questions any time they like. |
Question: How can I check if there is any update of ACA-Cloud1 dumps? Answer: Killexams team will inform you by email when the ACA-Cloud1 test in your get section will be updated. If there is no change in the ACA-Cloud1 questions and answers, you do not need to get again and again the same document. |
Question: Will I be informed on each update in the ACA-Cloud1 exam? Answer: Yes, of course. You will receive an intimation email that will tell you that the ACA-Cloud1 test is updated with the latest questions and answers. You can re-download the test files and VCE test simulator accordingly. |
Question: I tried several time on live chat but I killexams did not picked my call, why? Answer: We are sorry that they can not answer all the calls due to the high workload. They apologize that your call did not answer but their team keeps on assisting live chat users all the time but some time due to a long queue, they could not pick all the calls. You should write an email to support and their team will happy to answer your query as soon as possible. |
https://www.pass4surez.com/art/read.php?keyword=Alibaba+Certification+PDF+Download&lang=us&links=remove
While it is very hard task to choose reliable certification questions / answers resources with respect to review, reputation and validity because people get ripoff due to choosing wrong service. Killexams.com make it sure to serve its clients best to its resources with respect to ACTUAL EXAM QUESTIONS update and validity. Most of other's ripoff report complaint clients come to us for the brain dumps and pass their exams happily and easily. They never compromise on their review, reputation and quality because killexams review, killexams reputation and killexams client confidence is important to us. Specially they take care of killexams.com review, killexams.com reputation, killexams.com ripoff report complaint, killexams.com trust, killexams.com validity, killexams.com report and killexams.com scam. The same care that they take about killexams review, killexams reputation, killexams ripoff report complaint, killexams trust, killexams validity, killexams report and killexams scam. If you see any false report posted by their competitors with the name killexams ripoff report complaint internet, killexams ripoff report, killexams 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 thousands of satisfied customers that pass their exams using killexams.com brain dumps, killexams PDF questions, killexams practice questions, killexams test simulator. Visit Their demo questions and demo brain dumps, their test simulator and you will definitely know that killexams.com is the best brain dumps site.
Which is the best practice questions website?
Certainly, Killexams is completely legit plus fully trusted. There are several features that makes killexams.com real and legitimate. It provides knowledgeable and completely valid test questions that contain real exams questions and answers. Price is extremely low as compared to the majority of the services online. The Q&A are current on normal basis through most latest questions. Killexams account method and product delivery is very fast. Document downloading is unlimited and incredibly fast. Assist is avaiable via Livechat and Electronic mail. These are the features that makes killexams.com a strong website that include test prep with real exams questions.
Is killexams.com test material dependable?
There are several Q&A provider in the market claiming that they provide real test Questions, Braindumps, Practice Tests, Study Guides, cheat sheet and many other names, but most of them are re-sellers that do not update their contents frequently. Killexams.com is best website of Year 2024 that understands the issue candidates face when they spend their time studying obsolete contents taken from free pdf get sites or reseller sites. Thats why killexams.com update test Q&A with the same frequency as they are updated in Real Test. test questions provided by killexams.com are Reliable, Up-to-date and validated by Certified Professionals. They maintain dumps collection of valid Questions that is kept up-to-date by checking update on daily basis.
If you want to Pass your test Fast with improvement in your knowledge about latest course contents and syllabus of new syllabus, They recommend to get PDF test Questions from killexams.com and get ready for real exam. When you feel that you should register for Premium Version, Just choose visit killexams.com and register, you will receive your Username/Password in your Email within 5 to 10 minutes. All the future updates and changes in Q&A will be provided in your get Account. You can get Premium VCE test files as many times as you want, There is no limit.
Killexams.com has provided VCE VCE test Software to Practice your test by Taking Test Frequently. It asks the Real test Questions and Marks Your Progress. You can take test as many times as you want. There is no limit. It will make your test prep very fast and effective. When you start getting 100% Marks with complete Pool of Questions, you will be ready to take real Test. Go register for Test in Exam Center and Enjoy your Success.
2V0-62.21 bootcamp | HPE0-S55 VCE test | CBEST get | ASVAB free questions | CIPS-L5M2-MSCR test Questions | CNAMB test papers | SPHR practice questions | ACE-A1.2 test practice | NSK100 prep questions | 3V0-21.21 test Cram | AGCNS-BC test cram | ESPA-EST questions answers | ICDL-WINDOWS actual questions | CHPN model question | ADM-261 free prep | HQT-4120 free pdf | CIPS-L4M7-Assets test questions | FSDEV assessment test demo | AZ-500 demo questions | E20-598 test Questions |
ACA-Cloud1 - ACA Cloud Computing Certification test techniques
ACA-Cloud1 - ACA Cloud Computing Certification test exam success
ACA-Cloud1 - ACA Cloud Computing Certification test test questions
ACA-Cloud1 - ACA Cloud Computing Certification test real questions
ACA-Cloud1 - ACA Cloud Computing Certification test information search
ACA-Cloud1 - ACA Cloud Computing Certification test exam format
ACA-Cloud1 - ACA Cloud Computing Certification test PDF questions
ACA-Cloud1 - ACA Cloud Computing Certification test practice tests
ACA-Cloud1 - ACA Cloud Computing Certification test information hunger
ACA-Cloud1 - ACA Cloud Computing Certification test Test Prep
ACA-Cloud1 - ACA Cloud Computing Certification test book
ACA-Cloud1 - ACA Cloud Computing Certification test Free test PDF
ACA-Cloud1 - ACA Cloud Computing Certification test Study Guide
ACA-Cloud1 - ACA Cloud Computing Certification test exam cram
ACA-Cloud1 - ACA Cloud Computing Certification test study help
ACA-Cloud1 - ACA Cloud Computing Certification test tricks
ACA-Cloud1 - ACA Cloud Computing Certification test education
ACA-Cloud1 - ACA Cloud Computing Certification test exam syllabus
ACA-Cloud1 - ACA Cloud Computing Certification test Free test PDF
ACA-Cloud1 - ACA Cloud Computing Certification test Premium PDF
ACA-Cloud1 - ACA Cloud Computing Certification test real questions
ACA-Cloud1 - ACA Cloud Computing Certification test exam
ACA-Cloud1 - ACA Cloud Computing Certification test exam success
ACA-Cloud1 - ACA Cloud Computing Certification test PDF Questions
ACA-Cloud1 - ACA Cloud Computing Certification test information search
ACA-Cloud1 - ACA Cloud Computing Certification test Free PDF
ACA-Cloud1 - ACA Cloud Computing Certification test Exam Cram
ACA-Cloud1 - ACA Cloud Computing Certification test test
ACA-Cloud1 - ACA Cloud Computing Certification test course outline
ACA-Cloud1 - ACA Cloud Computing Certification test syllabus
ACA-Cloud1 - ACA Cloud Computing Certification test information search
ACA-Cloud1 - ACA Cloud Computing Certification test study help
ACA-Cloud1 - ACA Cloud Computing Certification test cheat sheet
ACA-Cloud1 - ACA Cloud Computing Certification test exam contents
ACA-Cloud1 - ACA Cloud Computing Certification test PDF Download
ACA-Cloud1 - ACA Cloud Computing Certification test PDF questions
ACA-Cloud1 - ACA Cloud Computing Certification test Latest Topics
ACA-Cloud1 - ACA Cloud Computing Certification test Practice Test
ACA-Cloud1 - ACA Cloud Computing Certification test PDF Questions
ACA-Cloud1 - ACA Cloud Computing Certification test teaching
ACA-Cloud1 - ACA Cloud Computing Certification test Exam Questions
ACA-Cloud1 - ACA Cloud Computing Certification test PDF download
ACA-Cloud1 - ACA Cloud Computing Certification test study help
ACA-Cloud1 - ACA Cloud Computing Certification test Latest Topics
Other Alibaba Practice Tests
ACA-Operator training material | ACA-BIGDATA1 test prep | ACA-Cloud1 test papers | ACA-CloudNative cram book | ACA-Sec1 free test papers | ACA-Database practice test | ACP-Sec1 bootcamp | ACA-Developer study guide |
Best practice questions You Ever Experienced
CHA mock test | FOCP boot camp | 1V0-21.20 mock questions | CEN practice questions | TOEFL Latest Questions | IIBA-AAC free test papers | ASVAB test practice | ONCC-CPHON test questions | IAFN-SANE-A examcollection | 920-803 cbt | Salesforce-Advanced-Cross-Channel test prep | SAFe-DevOps test questions | CPUX-F practice questions | Podiatry-License-Exam-Part-III pass exam | ATM test papers | F50-522 questions download | 200-710 PDF Download | 5V0-41.21 pdf study guide | 850-001 VCE | NNAAP-NA english test questions |
References :
https://www.instapaper.com/read/1318711127
http://killexams-braindumps.blogspot.com/2020/07/unlimited-download-aca-cloud1-pdf.html
https://killexams-posting.dropmark.com/817438/23792817
http://feeds.feedburner.com/SimplyRememberTheseAca-cloud1QuestionsBeforeYouGoForTest
https://drp.mk/i/QN51677dSQ
https://www.coursehero.com/file/68799730/ACA-Cloud-Computing-Certification-Exam-ACA-Cloud1pdf/
https://files.fm/f/3mysfdua
https://youtu.be/q2jxOSgTs90
https://sites.google.com/view/killexams-aca-cloud1-cheat-she
Similar Websites :
Pass4sure Certification test Practice Tests
Pass4Sure Certification Question Bank
ACA-Cloud1 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.
100% Valid and Up to Date ACA-Cloud1 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