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 DEV-401?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der DEV-401: Building Applications with Force.com (DEV401) Prüfung.

2024 Updated Actual DEV-401 questions as experienced in Test Center

Aktuelle DEV-401 Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz

E html>

SalesForce DEV-401 : Building Applications with Force.com (DEV401) Practice Tests

Practice Tests Organized by Shahid nazir



Latest 2024 Updated SalesForce Building Applications with Force.com (DEV401) Syllabus
DEV-401 question bank with Premium PDF and Test Engine

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




DEV-401 question bank : Download 100% Free DEV-401 practice tests (PDF and VCE)

Exam Number : DEV-401
Exam Name : Building Applications with Force.com (DEV401)
Vendor Name : SalesForce
Update : Click Here to Check Latest Update
Question Bank : Check Questions

Get 100% marks in DEV-401 exam with these Exam Cram
Avoid wasting your energy on outdated DEV-401 digital books and instead register at killexams.com for access to up-to-date DEV-401 questions. Their team works continuously to provide updates and valid DEV-401 Exam Questions sourced from DEV-401 Test Prep.

There are numerous internet TestPrep providers, but many of them offer outdated and invalid DEV-401 TestPrep. It is important to find a valid and up-to-date DEV-401 TestPrep provider online to avoid wasting time and money on unreliable resources. They recommend visiting killexams.com, where you can get completely free demo questions of DEV-401 TestPrep and be satisfied with the quality of the material. Then, register and get a three-month account to get the latest and valid DEV-401 TestPrep that includes real DEV-401 questions and answers. Additionally, you should get the DEV-401 VCE test simulator for practice analysis.

Although there are many TestPrep suppliers online, most of them offer obsolete DEV-401 TestPrep. Therefore, it is crucial to find a trustworthy and reputable DEV-401 TestPrep provider online, and killexams.com is a reliable option. Do not waste your time and money on useless resources. Simply head to killexams.com and get their 100% free DEV-401 TestPrep demo questions to test the quality of their material. If satisfied, register and get three to four months access to get the latest and valid DEV-401 Practice Test that contains actual test questions and answers. Moreover, make sure to get the DEV-401 VCE test simulator for practice.







DEV-401 exam Format | DEV-401 Course Contents | DEV-401 Course Outline | DEV-401 exam Syllabus | DEV-401 exam Objectives


Test Detail:
The Salesforce DEV-401 exam, also known as "Building Applications with Force.com," is a certification exam that validates the knowledge and skills required to build custom applications on the Salesforce platform. The exam assesses candidates' understanding of the Salesforce development concepts, tools, and best practices. Here is a detailed description of the test, including the number of questions and time allocation, course outline, exam objectives, and exam syllabus.

Number of Questions and Time:
The DEV-401 exam typically consists of approximately 60 multiple-choice questions. The time allocated for the exam is 105 minutes. It's important to manage your time effectively to ensure you can answer all the questions within the given timeframe.

Course Outline:
The DEV-401 certification course covers a wide range of syllabus related to building applications on the Salesforce platform. The course outline typically includes the following areas:

1. Introduction to Salesforce Development:
- Overview of the Salesforce platform
- Introduction to declarative development vs. programmatic development
- Introduction to the Force.com platform and its components

2. Data Modeling and Management:
- Data model concepts and relationships
- Custom objects, fields, and relationships
- Record types and page layouts
- Data validation rules and formula fields
- Workflow rules and approval processes

3. Building Custom User Interfaces:
- Visualforce pages and components
- Apex controllers and extensions
- Custom buttons and links
- Dynamic content and user input forms

4. Business Logic and Process Automation:
- Apex triggers and trigger framework
- Batch apex and scheduled apex
- Email services and web services
- Process builder and flow builder

5. Testing and Debugging:
- Unit testing and test classes
- Debugging techniques and tools
- System logs and debug logs
- Best practices for testing and debugging

Exam Objectives:
The objectives of the DEV-401 exam are to evaluate candidates' knowledge and skills in the following areas:

1. Understanding the Salesforce platform and its components.
2. Data modeling and management using custom objects and fields.
3. Building custom user interfaces using Visualforce and Apex controllers.
4. Implementing business logic and process automation using Apex triggers and workflows.
5. Testing and debugging custom Salesforce applications.

Exam Syllabus:
The exam syllabus for the DEV-401 certification exam provides a detailed breakdown of the syllabus and subtopics that candidates should study. The syllabus may include:

1. Introduction to Force.com and the Salesforce Platform:
- Salesforce architecture and data model
- Custom objects and fields
- Relationships and record types

2. Building Custom User Interfaces:
- Visualforce pages and components
- Apex controllers and extensions
- Custom buttons and links

3. Data Management:
- Data import and export
- Data validation rules and formulas
- Workflow rules and approval processes

4. Business Logic and Process Automation:
- Apex triggers and trigger framework
- Batch apex and scheduled apex
- Email services and web services

5. Testing and Debugging:
- Unit testing and test classes
- Debugging techniques and tools
- System logs and debug logs

Candidates should refer to the official Salesforce DEV-401 exam documentation and study materials provided by Salesforce to ensure they have the most up-to-date information on the exam format, content coverage, and requirements. It is recommended to allocate sufficient time for exam preparation, which may include hands-on practice with the Salesforce platform, reviewing technical documentation, and taking practice exams to assess knowledge and readiness for the certification exam.



Killexams Review | Reputation | Testimonials | Feedback


How much do DEV-401 exam and VCE practice tests cost?
When I was preparing for my DEV-401 exam, I struggled with the books, as the explanations were too elaborate, and the examples were too tough. As a result, I failed the test twice. However, my best friend suggested that I try using the mock test provided by killexams.com, and I am so grateful that I did. The quality of the contents was excellent, and I found it easy to understand the topics. I was able to cram the material and answer the questions within 180 minutes, and I felt elated to pass the exam. Thanks, killexams.com practice test, and thanks to my lovely friend too.


Where can I find DEV-401 practice questions questions?
After using the DEV-401 practice questions by killexams.com, I feel confident to offer the exam. In the past, I was always fearful when preparing for the tests, but now I feel amazed at my self-belief. The motive is the excellent DEV-401 preparation by killexams.com. I am now fully prepared and confident that I can pass my exams easily. Therefore, if anyone feels low self-assurance, get registered with killexams.com and start education; eventually, you will feel self-assured.


I found accurate materials for actual updated DEV-401 practice tests.
After trying several books and resources, I was dissatisfied with not finding the right materials for exam DEV-401. I was searching for a guide with easy language and well-prepared questions and answers. killexams.com mock test satisfied my needs, as it explained complex syllabus in a simple way. In the actual exam, I received a score of 89%, beyond my expectations. Thank you, killexams.com, for your excellent guidance.


Can you believe that all the DEV-401 questions I read were asked?
The questions on killexams.com are valid and closely resemble the DEV-401 exam questions. In fact, some of the content was nearly identical, and I was able to complete the exam in just half an hour. Killexams.com mock test and exam Simulator proved to be a strong resource for exam preparation, and I highly recommend it to others seeking to pass the DEV-401 exam.


How much does the DEV-401 exam cost?
The DEV-401 practice tests provided by killexams.com are updated and valid, and I answered each question correctly in the real exam. I practiced with their VCE exam simulator, which prepared me for the exam. I got a score of 98%, which is a remarkable achievement, and I owe it to killexams.com.


SalesForce (DEV401) exam Questions

DEV-401 Exam

User: Melana*****

My parents used to tell me about their experiences studying seriously and passing their exams on the first try. However, they never encountered the flood of study materials that can confuse students during exam preparation, particularly for the DEV-401 exam. Today, certifications such as the DEV-401 exam are often required even after completing conventional education, and the competition is fierce. Fortunately, Killexams.com provides mock test that can help students approach the exam with confidence and assurance of passing.
User: Marushka*****

Thanks to the Killexams.com practice tests, I was able to pass the dev-401 exam with ease. They quickly alleviated any doubts I had about the exam and provided all the necessary materials to succeed. This was the first time in my career that I attended an exam with such confidence and passed with flying colors. I am grateful for the outstanding help provided by Killexams.com.
User: Liam*****

Thanks to killexams.com, I was able to achieve a score of 96% on the dev-401 certification exam. I first heard about the website through a friend who had also scored high on the exam. Despite initially making fun of him for using an exam preparation platform, I decided to try it out for myself. The results were astounding, and I now have complete faith in the website.
User: Taya*****

To become dev-401 certified, I was under immense pressure to pass the exam, having failed the previous two attempts. Fortunately, I stumbled upon the killexams.com material through my cousin, and I was very impressed with the mock test material. I secured 89% on the exam and was thrilled to score above the margin mark without any problems. The material is well-formatted and enriched with crucial principles, making it an excellent study resource for the exam.
User: Tiahna*****

If you want to pass your exam with ease, killexams.com question bank is the way to go. Their study materials are straightforward, comprehensive, and reliable, and I was able to pass the DEV-401 exam on my first attempt. Although other question banks are available in the market, I found killexams.com to be the best among them. I am confident and will use their resources for my future exams as well. Thanks, killexams.com, for helping me achieve my goals.

DEV-401 Exam

Question: Can I ask killexams to check for update on demand?
Answer: Yes, you can contact the killexams.com support team to manually check for an update of the exam that you want to buy or you already have in your download. If there will be any later questions and answers, you will be informed about the questions and answers.
Question: Will I be able to pass the exam with these DEV-401 actual questions?
Answer: Of course, these are the latest and up-to-date DEV-401 practice questions that contain real exam questions from test centers. When you will memorize these questions, it will help you get Good Score in the exam.
Question: Can killexams team take control of my computer and Install exam simulator?
Answer: If you are unable to install the exam simulator on your computer or the exam simulator is not working, you should go through step by step guide to install and run the exam simulator. The guide can be accessed at https://killexams.com/exam-simulator-installation.html You should also go through FAQ for troubleshooting. If you still could not solve the issue, you can contact support via live chat or email and they will be happy to solve your issue. Their live support can also login to your computer and install the software if you have TeamViewer installed on your computer and you send us your private login information.
Question: I have contacted support but did not heard back in two days, why?
Answer: Some queries take more than 24 hours or even sometimes a week to respond. It depends on the type of query. For example, if you want to check for an update, their team reply to you within 24 hours about the update status, but If you want to track your wire transfer payment, their team will wait until your wire transfer arrives at their payment bank and will complete your order and let you know.
Question: Do I need actual questions of the DEV-401 exam to pass the exam?
Answer: Yes, sure. You need actual DEV-401 questions to pass the exam. Killexams.com provides real DEV-401 exam mock test that appear in the actual exam. You should have face all the questions in your real test that they provided you.
SalesForce+%28DEV401%29+Exam+Questions
https://www.pass4surez.com/art/read.php?keyword=SalesForce+%28DEV401%29+Exam+Questions&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 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 exam simulator. Visit Their demo questions and demo brain dumps, their exam simulator and you will definitely know that killexams.com is the best brain dumps site.

Which is the best practice tests website?
Certainly, Killexams is hundred percent legit plus fully well-performing. There are several characteristics that makes killexams.com reliable and authentic. It provides up to par and hundred percent valid exam questions filled with real exams questions and answers. Price is nominal as compared to almost all services on internet. The mock test are up-to-date on usual basis having most exact questions. Killexams account build up and product or service delivery is quite fast. File downloading is normally unlimited and also fast. Help is avaiable via Livechat and E-mail. These are the characteristics that makes killexams.com a strong website that come with exam prep with real exams questions.



Is killexams.com test material dependable?
There are several mock test provider in the market claiming that they provide actual 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 mock test with the same frequency as they are updated in Real Test. exam questions 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 actual exam. When you feel that you should register for Premium Version, Just choose visit killexams.com and register, you will receive your Username/Password in your Email within 5 to 10 minutes. All the future updates and changes in mock test will be provided in your get Account. You can get Premium practice questions 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 actual Test. Go register for Test in Exam Center and Enjoy your Success.




AACN-CSC PDF get | C1000-172 practice exam | 4A0-106 free practice questions | HPE6-A81 exam prep | E20-375 study guide | H13-629 practice questions | SAFe-Agilist mock test | CIPS-L4M7-Procurement exam Questions | CIFC free online test | H12-721 question test | 4A0-107 Study Guide | ATA Practice Questions | NCAC-II practice questions | QSDA2022 practical test | CTP Latest Questions | CSSGB past exams | AAPC-CPC free exam practice | GE0-807 exam Cram | HH0-210 mock test | 3V0-32.21 exam tips |


DEV-401 - Building Applications with Force.com (DEV401) exam contents
DEV-401 - Building Applications with Force.com (DEV401) exam questions
DEV-401 - Building Applications with Force.com (DEV401) exam Questions
DEV-401 - Building Applications with Force.com (DEV401) learning
DEV-401 - Building Applications with Force.com (DEV401) Premium PDF
DEV-401 - Building Applications with Force.com (DEV401) exam cram
DEV-401 - Building Applications with Force.com (DEV401) test questions
DEV-401 - Building Applications with Force.com (DEV401) Latest Questions
DEV-401 - Building Applications with Force.com (DEV401) outline
DEV-401 - Building Applications with Force.com (DEV401) study help
DEV-401 - Building Applications with Force.com (DEV401) test
DEV-401 - Building Applications with Force.com (DEV401) Practice Test
DEV-401 - Building Applications with Force.com (DEV401) Practice Questions
DEV-401 - Building Applications with Force.com (DEV401) exam format
DEV-401 - Building Applications with Force.com (DEV401) cheat sheet
DEV-401 - Building Applications with Force.com (DEV401) exam contents
DEV-401 - Building Applications with Force.com (DEV401) Question Bank
DEV-401 - Building Applications with Force.com (DEV401) Questions and Answers
DEV-401 - Building Applications with Force.com (DEV401) Free exam PDF
DEV-401 - Building Applications with Force.com (DEV401) study help
DEV-401 - Building Applications with Force.com (DEV401) education
DEV-401 - Building Applications with Force.com (DEV401) Premium PDF
DEV-401 - Building Applications with Force.com (DEV401) Question Bank
DEV-401 - Building Applications with Force.com (DEV401) course outline
DEV-401 - Building Applications with Force.com (DEV401) Practice Questions
DEV-401 - Building Applications with Force.com (DEV401) learning
DEV-401 - Building Applications with Force.com (DEV401) exam Questions
DEV-401 - Building Applications with Force.com (DEV401) learn
DEV-401 - Building Applications with Force.com (DEV401) book
DEV-401 - Building Applications with Force.com (DEV401) PDF download
DEV-401 - Building Applications with Force.com (DEV401) Test Prep
DEV-401 - Building Applications with Force.com (DEV401) test
DEV-401 - Building Applications with Force.com (DEV401) Latest Questions
DEV-401 - Building Applications with Force.com (DEV401) PDF download
DEV-401 - Building Applications with Force.com (DEV401) real questions
DEV-401 - Building Applications with Force.com (DEV401) exam help
DEV-401 - Building Applications with Force.com (DEV401) guide
DEV-401 - Building Applications with Force.com (DEV401) boot camp
DEV-401 - Building Applications with Force.com (DEV401) Free PDF
DEV-401 - Building Applications with Force.com (DEV401) test questions
DEV-401 - Building Applications with Force.com (DEV401) PDF Download
DEV-401 - Building Applications with Force.com (DEV401) information hunger
DEV-401 - Building Applications with Force.com (DEV401) exam help
DEV-401 - Building Applications with Force.com (DEV401) Real exam Questions

Other SalesForce Practice Tests


CHAD questions and answers | Salesforce-Certified-Community-Cloud-Consultant study questions | Salesforce-Certified-Sales-Cloud-Consultant Practice Test | Salesforce-AI-Associate exam prep | Certified-Development-Lifecycle-and-Deployment-Designer VCE | DEV-450 exam questions | Salesforce-Certified-Identity-and-Access-Management-Designer assessment test sample | Salesforce-Advanced-Cross-Channel exam Questions | Salesforce.Field-Service-Lightning-Consultant questions answers | Salesforce-Security-Privacy-Accredited-Professional free practice test | Salesforce-Manufacturing-Cloud-Professional free exam papers | Salesforce-Financial-Services-Cloud Latest Topics | ARC-801 practice exam | Salesforce-Consumer-Goods-Cloud free pdf download | Industries-CPQ-Developer study guide | DEX-450 PDF Download | Integration-Architecture-Designer examcollection | DEV-401 mock questions | CRT-271 free pdf | Platform-App-Builder prep questions |


Best practice tests You Ever Experienced


GMAT free study guide | Salesforce-Certified-Marketing-Cloud-Consultant real questions | BCP-520 test prep questions | S90.02A pass exam | FN0-125 pdf study guide | 050-6201-ARCHERASC01 exam Questions | MOFF-EN online exam | MLS-C01 question test | TMSTE free online test | CKA Practice Questions | 3X0-204 english test questions | QV12SA prep questions | 090-160 practice exam | 7392X practice questions | DES-5221 Practice Test | S90.20A free prep | H35-462 practical test | 920-805 exam Questions | 2V0-01-19 test prep | NBRC practice questions |





References :


https://killexams-posting.dropmark.com/817438/23718069
http://killexams-braindumps.blogspot.com/2020/07/download-and-save-dev-401-pdf-download.html
https://www.instapaper.com/read/1323668907
https://sites.google.com/view/killexams-dev-401-braindumps
https://youtu.be/vccIoOPAUvg
http://account1.isblog.net/dev-401-building-applications-with-force-com-dev401-question-bank-with-real-questions-by-killexams-com-14611232
https://files.fm/f/b33y9gsyf
http://feeds.feedburner.com/HereIsTheBestsPlaceToGetHelpPass050-719Exam



Similar Websites :
Pass4sure Certification exam Practice Tests
Pass4Sure Certification Question Bank






Direct Download

DEV-401 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.

DEV-401 Reviews

100% Valid and Up to Date DEV-401 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