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-450?
Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der DEV-450: Salesforce Certified Platform Developer I Prüfung.
2024 Updated Actual DEV-450 questions as experienced in Test Center
Aktuelle DEV-450 Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz
E html>Salesforce DEV-450 : Salesforce Certified Platform Developer I Practice TestsPractice Tests Organized by Lee |
Latest 2024 Updated Salesforce Salesforce Certified Platform Developer I Syllabus
DEV-450 dumps questions 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-450 dumps questions : Download 100% Free DEV-450 practice exams (PDF and VCE)
Exam Number : DEV-450
Exam Name : Salesforce Certified Platform Developer I
Vendor Name : Salesforce
Update : Click Here to Check Latest Update
Question Bank : Check Questions
Memorize to read DEV-450 TestPrep before attempting real exam
IT pros have created killexams.com Salesforce Certification Exam Questions. Many students have complained that there are too many questions in Salesforce Certified Platform Developer I PDF Download and Questions and Answers, and that they are simply too exhausted to take any more. Seeing killexams.com certified create this comprehensive version of DEV-450 PDF Questions while still ensuring that every knowledge is covered after extensive study and analysis is a sight to behold. Everything is designed to make the certification process easier for candidates.
At killexams.com, they offer the Latest, Valid, and 2024 Up-to-date Salesforce Salesforce Certified Platform Developer I dumps that are necessary to pass the DEV-450 exam. Passing this exam is a requirement to elevate your status as an expert in your field. Their goal is to assist people in passing the DEV-450 test on their first attempt. Their DEV-450 Practice Questions consistently ranks at the top. Their clients trust their Exam Questions and VCE for their authentic DEV-450 test questions. They keep their DEV-450 Exam Questions relevant and up-to-date to ensure that you can finish the test with excellent grades.
Passing the real Salesforce DEV-450 exam is not easy with just DEV-450 textbooks or free Questions and Answers found on the internet. There are numerous scenarios and challenging questions that can confuse candidates during the DEV-450 exam. At killexams.com, they collect actual DEV-450 Question Bank and offer them in the form of Exam Questions and VCE exam simulator to help you prepare. You can get their 100% free DEV-450 Questions and Answers before registering for the full version of DEV-450 Question Bank. They are confident that you will be satisfied with the quality of their Mock Exam. Don't forget to take advantage of their special discount coupons.
Killexams.com provides the Latest, Valid, and 2024 Up-to-date Salesforce DEV-450 Practice Questions that are excellent for breezing through the Salesforce Certified Platform Developer I test. It's the best way to Excellerate your status as a specialist in your field. They have a reputation for helping people pass the DEV-450 test on their first attempt. Their Practice Questions consistently ranks at the top for the past four years. Their clients trust their DEV-450 Exam Questions and VCE for their authentic DEV-450 test questions. Killexams.com is the most incredible source for DEV-450 actual test questions. They keep their DEV-450 Practice Questions valid and up-to-date constantly.
DEV-450 exam Format | DEV-450 Course Contents | DEV-450 Course Outline | DEV-450 exam Syllabus | DEV-450 exam Objectives
ABOUT THE EXAM
The Salesforce Certified Platform Developer I exam has the following characteristics:
Content: 60 multiple-choice/multiple-select questions
Time allotted to complete the exam: 110 minutes
Passing Score: 65%
The Salesforce Certified Platform Developer I exam is intended for an individual who has
experience developing and deploying basic business logic and user interfaces using the
programmatic capabilities of the Lightning Platform, including practical application of the
skills and concepts noted in the exam objectives below.
The Salesforce Certified Platform Developer I generally has one to two years of experience as
a developer and at least six months of experience on the Lightning Platform.
The Salesforce Certified Platform Developer I candidate has the experience, skills, and
knowledge outlined below:
Can use the fundamental programmatic capabilities of the Lightning Platform to
develop custom interfaces to extend Salesforce capabilities and develop custom
business logic.
Can extend the Lightning Platform using Apex and Visualforce, and understands
Lightning Components.
Is familiar with, and able to leverage relevant declarative capabilities of the platform,
where appropriate.
Knows when to use declarative vs. programmatic methods.
Is familiar with the development lifecycle from development to testing, and has
knowledge of the available environments.
Is familiar with the Salesforce Mobile app capabilities and the basics of the Lightning
framework.
Knows when to use the Lightning Process Builder vs. an Apex trigger.
Has experience with object-oriented languages such as Java, JavaScript, C#, Ruby,
and .NET.
Has experience with data-driven applications and relational databases.
Has experience with Model View Controller (MVC) architecture and componentbased architecture.
Has invested time in studying the resources listed in this exam guide and the
additional required study materials provided by Salesforce.
EXAM OUTLINE
The Salesforce Certified Platform Developer I exam measures a candidates knowledge and
skills related to the following objectives. A candidate should have hands-on experience
developing custom applications on the Lightning Platform and have demonstrated the
application of each of the features/functions below.
SALESFORCE FUNDAMENTALS
Describe the considerations when developing in a multi-tenant environment.
Describe how the Salesforce platform features map to the MVC pattern.
Describe the capabilities of the core CRM objects in the Salesforce schema.
Identify the common scenarios for extending an application's capabilities using
the AppExchange.
Identify common use cases for declarative customization of the Lightning
Platform, and customization and features of the Heroku platform.
DATA MODELING AND MANAGEMENT
Given a set of requirements, determine the appropriate data model.
Describe the capabilities of the various relationship types and the implications
of each on record access, user interface (UI), and object-oriented
programming.
Describe the impact of schema design and modifications on Apex
Development.
Describe how to visualize and create entity relationships.
Describe the options for and considerations when importing and exporting
data into development environments.
LOGIC AND PROCESS AUTOMATION
Describe how to programmatically access and utilize the object schema.
Describe the capabilities and use cases for formula fields.
Describe the capabilities and use cases for roll-up summary fields.
Describe the capabilities of the declarative process automation features.
Describe when to use declarative automation features vs. Apex classes and
triggers.
Describe how to declare variables and constants in Apex and how to assign
values using expressions.
Describe the primitive and complex Apex data types and when to use them.
Describe how to use and apply Apex control flow statements.
Describe how to write and when to use Apex classes and interfaces.
Describe how to use basic SOSL, SOQL, and DML statements when working
with objects in Apex.
Describe the basic patterns used in triggers and classes to process data
efficiently.
Describe when to use and how to write triggers.
Describe the implications of governor limits on Apex transactions.
Describe the relationship between Apex transactions, the save order of
execution, and the potential for recursion and/or cascading.
Describe how to implement exception handling in Apex.
Describe how to write Visualforce controllers.
Describe when and how to use standard Visualforce controllers vs. Apex
custom controllers and controller extensions.
Describe the programmatic techniques to prevent security vulnerabilities in
Apex and Visualforce.
Describe how Apex impacts the ability to make declarative changes.
USER INTERFACE
Describe how to display Salesforce data using a Visualforce page.
Describe the types of web content that can be incorporated into Visualforce
pages.
Describe how to incorporate Visualforce pages into Lightning Platform
applications.
Describe the benefits of the Lightning Component framework.
Describe the resources that can be contained in a Lightning Component.
TESTING
Describe the testing framework and requirements for deployment.
Describe how to write unit tests for triggers, controllers, and classes.
Describe when and how to use various sources of test data.
Describe how to execute one or multiple test classes.
Describe the differences between invoking Apex in execute anonymous vs. unit
tests.
DEBUG AND DEPLOYMENT TOOLS
Describe how to monitor and access various types of debug logs.
Describe the capabilities and security implications of the Developer Console,
Workbench, and Force.com IDE.
Describe the different processes for deploying metadata and business data.
Describe how the different environments are used in the development and
deployment process.
Killexams Review | Reputation | Testimonials | Feedback
It is really a great experience to have the latest DEV-450 practice tests.
I have used killexams.com for all my certifications, and I cannot imagine taking an exam without it. I appreciate being able to practice on my computer in the comfort of my home. Thanks to killexams.com, I have reached the Professional level, and I am satisfied where I am.
Where can I get DEV-450 actual exam questions and answers?
I was in search of EC testprep that would cater to my specific needs and requirements, and that's when I stumbled upon killexams.com. Within a brief period of time, their practice exam cleared all my doubts. For the first time in my career, I appeared for the EC exam with the best education dump and managed to succeed with awesome marks. I am certainly glad, and the reason why I am here is to congratulate you on the extraordinary help you provided in the shape of the test material.
DEV-450 mock test that work in actual study.
The DEV-450 mock exam papers from killexams.com helped me in preparing for the exam in an organized and structured manner. Thanks to them, I scored 90%. The explanation given for every answer in the mock test was so appropriate that it had the actual revision impact on the study dump.
It is genuinely extremely helpful to have the latest DEV-450 practice tests.
After struggling with the books to pass my DEV-450 exam and failing twice, a friend recommended killexams.com to me. The material was fantastic and easy to understand, allowing me to cram it quickly and pass the exam in just 180 minutes. I was elated to pass and owe my success to killexams.com.
Am I able to get the updated DEV-450 certification?
If you want to change your destiny and make sure that happiness is your destiny, you need to work hard. Working hard alone may not be enough to secure your future; you need direction to guide you towards the right path. killexams.com has become my destiny for my exams as it leads me towards my fate. My future is to get the right grades, and with the help of killexams.com and its teachers, my coaching was so good that I could not possibly fail in my DEV-450 exam.
Salesforce I testprep
DEV-450 Exam
User: Sochi***** When I was preparing for the dev-450 exam, I felt lost and disconnected from the material. However, I found killexams.com to be a reliable resource that helped me succeed in the exam. Thanks to their exam simulator, I was able to practice and study the material efficiently. I am grateful for killexams.com, and I highly recommend their services to others. |
User: Nayda***** The practice exams provided by killexams.com were great. I secured 92% marks in the actual dev-450 exam, and all credit goes to them for providing me with dev-450 practice exams with real questions. It is tough to achieve an extraordinary accomplishment like this, so thanks for everything you provided me with. I will truly recommend it to all. |
User: Lidia***** To ensure success in the DEV-450 exam, I sought help from Killexams.com. I chose it for several reasons: their test on the DEV-450 exam courses and policies was superb, the material was user-friendly, of excellent quality, and very innovative. Most importantly, the practice exams addressed all the issues related to the subject. The material provided significant contributions to my practice and enabled me to succeed. I can firmly say that it helped me achieve my goals. |
User: Connie***** I am thrilled to be one of the high achievers in the DEV-450 exam. Killexams.com provided fantastic mock test material that allowed me to grasp all the relevant courses within a short period. It was an amazing learning experience for me, and I passed the DEV-450 exam easily without any stress or worries. Thank you, Killexams.com, for your valuable support. |
User: Conrad***** I passed the dev-450 certification with the help of Killexams.com provided Questions and Answers. However, just remembering the mock test is not enough to pass the exam. There were quite a few questions on the exam that were not in the provided practice tests, but preparing all these mock test helped me to attempt those questions easily. I am thankful to Jack from England for recommending Killexams.com. |
DEV-450 Exam
Question: Will I be able to find updated DEV-450 dumps Questions & Answers? Answer: Yes, once registered at killexams.com you will be able to get up-to-date DEV-450 questions mock test that will help you pass the exam with good marks. When you get and practice the exam questions, you will be confident and feel improvement in your knowledge. |
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: Where am I able to locate DEV-450 updated dumps questions? Answer: Killexams.com is the best place to get updated DEV-450 questions questions. These DEV-450 questions work in the actual test. You will pass your exam with these DEV-450 test prep. If you deliver some time to study, you can prepare for an exam with much boost in your knowledge. They recommend spending as much time as you can to study and practice DEV-450 practice exam until you are sure that you can answer all the questions that will be asked in the actual DEV-450 exam. For this, you should visit killexams.com and register to get the complete dumps questions of DEV-450 exam test prep. These DEV-450 exam questions are taken from actual exam sources, that's why these DEV-450 exam questions are sufficient to read and pass the exam. Although you can use other sources also for improvement of knowledge like textbooks and other aid material these DEV-450 questions are sufficient to pass the exam. |
Question: I am facing issues in finding right dumps of DEV-450 exam? Answer: This is very simple. Visit killexams.com. Register and get the latest and 100% valid DEV-450 questions with VCE practice tests. You just need to memorize and practice these questions and reset ensured. You will pass the exam with good marks. |
Question: My DEV-450 exam is tomorrow, How can you help? Answer: Killexams recommend these DEV-450 questions to memorize before you go for the actual exam because this DEV-450 dumps questions contains to date and 100% valid DEV-450 dumps questions with the new syllabus. Killexams has provided the shortest DEV-450 questions for busy people to pass DEV-450 exam without memorizing massive course books. If you go through these DEV-450 questions, you are more than ready to take the test. They recommend taking your time to study and practice DEV-450 practice exam until you are sure that you can answer all the questions that will be asked in the actual DEV-450 exam. For a full version of DEV-450 test prep, visit killexams.com and register to get the complete dumps questions of DEV-450 exam test prep. These DEV-450 exam questions are taken from actual exam sources, that's why these DEV-450 exam questions are sufficient to read and pass the exam. Although you can use other sources also for improvement of knowledge like textbooks and other aid material these DEV-450 questions are sufficient to pass the exam. |
https://www.pass4surez.com/art/read.php?keyword=Salesforce+I+testprep&lang=us&links=remove
While it is hard job to pick solid certification questions/answers regarding review, reputation and validity since individuals get sham because of picking incorrec service. Killexams.com ensure to serve its customers best to its efforts as for cheat sheet update and validity. Most of other's post false reports with objections about us for the brain dumps bout their customers pass their exams cheerfully and effortlessly. They never bargain on their review, reputation and quality because killexams review, killexams reputation and killexams customer certainty is imperative to us. Extraordinarily they deal with false killexams.com review, killexams.com reputation, killexams.com scam reports. killexams.com trust, killexams.com validity, killexams.com report and killexams.com that are posted by genuine customers is helpful to others. If you see any false report posted by their opponents with the name killexams scam report on web, killexams.com score reports, killexams.com reviews, killexams.com protestation or something like this, simply remember there are constantly terrible individuals harming reputation of good administrations because of their advantages. Most clients that pass their exams utilizing killexams.com brain dumps, killexams PDF questions, killexams practice questions, killexams exam VCE simulator. Visit their example questions and test brain dumps, their exam simulator and you will realize that killexams.com is the best cheat sheet site.
Which is the best practice exams website?
Indeed, Killexams is fully legit plus fully reliable. There are several options that makes killexams.com realistic and legit. It provides informed and fully valid exam questions formulated with real exams questions and answers. Price is suprisingly low as compared to almost all the services on internet. The mock test are refreshed on ordinary basis through most accurate questions. Killexams account setup and merchandise delivery is really fast. Record downloading is usually unlimited and extremely fast. Assist is avaiable via Livechat and Email. These are the characteristics that makes killexams.com a strong website that include 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 dumps questions 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 courses 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 exam files as many times as you want, There is no limit.
Killexams.com has provided VCE practice exam 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.
Salesforce-Certified-Advanced-Administrator test prep questions | CPEH-001 mock test | E20-393 mock questions | AGN-BC exam cram | 1D0-61C practice questions | CRA mock exam | 200-046 test prep | NSCA-CPT mock test | 312-39 practice questions | BL00100-101-E sample questions | ACCUPLACER exam Questions | C100DEV boot camp | 4H0-712 study help | MCD-Level-2 study material | CDL exam prep | SVC-19A free study guide | ISEE exam prep | CBBF prep questions | E22-106 practice exam | 1Y0-403 practice exam |
DEV-450 - Salesforce Certified Platform Developer I PDF download
DEV-450 - Salesforce Certified Platform Developer I test prep
DEV-450 - Salesforce Certified Platform Developer I exam questions
DEV-450 - Salesforce Certified Platform Developer I learning
DEV-450 - Salesforce Certified Platform Developer I Free PDF
DEV-450 - Salesforce Certified Platform Developer I information source
DEV-450 - Salesforce Certified Platform Developer I Free PDF
DEV-450 - Salesforce Certified Platform Developer I exam contents
DEV-450 - Salesforce Certified Platform Developer I Study Guide
DEV-450 - Salesforce Certified Platform Developer I testprep
DEV-450 - Salesforce Certified Platform Developer I actual Questions
DEV-450 - Salesforce Certified Platform Developer I Premium PDF
DEV-450 - Salesforce Certified Platform Developer I learn
DEV-450 - Salesforce Certified Platform Developer I study tips
DEV-450 - Salesforce Certified Platform Developer I tricks
DEV-450 - Salesforce Certified Platform Developer I exam format
DEV-450 - Salesforce Certified Platform Developer I exam success
DEV-450 - Salesforce Certified Platform Developer I information hunger
DEV-450 - Salesforce Certified Platform Developer I exam contents
DEV-450 - Salesforce Certified Platform Developer I testing
DEV-450 - Salesforce Certified Platform Developer I Free exam PDF
DEV-450 - Salesforce Certified Platform Developer I actual Questions
DEV-450 - Salesforce Certified Platform Developer I boot camp
DEV-450 - Salesforce Certified Platform Developer I Practice Questions
DEV-450 - Salesforce Certified Platform Developer I exam questions
DEV-450 - Salesforce Certified Platform Developer I cheat sheet
DEV-450 - Salesforce Certified Platform Developer I Real exam Questions
DEV-450 - Salesforce Certified Platform Developer I study tips
DEV-450 - Salesforce Certified Platform Developer I test
DEV-450 - Salesforce Certified Platform Developer I syllabus
DEV-450 - Salesforce Certified Platform Developer I PDF download
DEV-450 - Salesforce Certified Platform Developer I exam contents
DEV-450 - Salesforce Certified Platform Developer I actual Questions
DEV-450 - Salesforce Certified Platform Developer I exam
DEV-450 - Salesforce Certified Platform Developer I actual Questions
DEV-450 - Salesforce Certified Platform Developer I PDF Download
DEV-450 - Salesforce Certified Platform Developer I PDF Questions
DEV-450 - Salesforce Certified Platform Developer I syllabus
DEV-450 - Salesforce Certified Platform Developer I Real exam Questions
DEV-450 - Salesforce Certified Platform Developer I premium pdf
DEV-450 - Salesforce Certified Platform Developer I PDF download
DEV-450 - Salesforce Certified Platform Developer I exam contents
DEV-450 - Salesforce Certified Platform Developer I Study Guide
DEV-450 - Salesforce Certified Platform Developer I testprep
Other Salesforce Practice Tests
Salesforce-Certified-CPQ-Specialist practical test | Salesforce-nCino-201 study material | ADM-201 mock questions | Salesforce-Marketing-Cloud-Developer test prep | Salesforce.Field-Service-Lightning-Consultant exam tips | DEX-450 study guide | Salesforce-Certified-Advanced-Administrator free exam practice | Nonprofit-Cloud-Consultant exam prep | CRT-450 cbt | Salesforce-AI-Associate exam cram | Salesforce-CMCAES free questions | Javascript-Developer-I study guide | Certified-Development-Lifecycle-and-Deployment-Designer Test Prep | Certified-Data-Architecture-and-Management-Designer pass marks | Platform-App-Builder study guide | Salesforce-Certified-Education-Cloud-Consultant Free PDF | PDI Real exam Questions | FSLCC practice questions | Salesforce-CDP free pdf | PDX-101 pdf questions |
Best practice exams You Ever Experienced
ALNCCB-LNCC study guide | I10-002 pass exam | CTL-001 exam tips | P11-101 practice questions | 4A0-115 mock exam | NS0-527 practice test | Series7 exam cram | ICBB Practice test | Servicenow-CIS-RC sample questions | CIPS-L5M5-ADPSC questions download | EX0-115 free pdf download | NCCT-ICS online exam | MA0-103 pdf exam | NREMT-PTE past exams | MS-100 test sample | 050-v71x-CSESECURID PDF Download | QAWI201V3-0 free pdf | 920-805 free practice test | MS-220 boot camp | TEAS-V7 questions answers |
References :
https://killexams-posting.dropmark.com/817438/23288951
https://www.instapaper.com/read/1319468403
https://killexams-posting.dropmark.com/817438/23792893
https://arfansaleemfan.blogspot.com/2020/09/dev-450-salesforce-certified-platform.html
https://www.coursehero.com/file/70402705/Salesforce-Certified-Platform-Developer-I-SU18-CRT-450-DEV-450pdf/
http://feeds.feedburner.com/SalesforceDev-450DumpsAndPracticeTestsWithRealQuestion
https://youtu.be/rw8O7gO5KIo
http://killexamsdump.blogdigy.com/dev-450-salesforce-certified-platform-developer-i-su18-crt-450-dumps-with-real-questions-by-killexams-com-11374963
https://files.fm/f/9ncmcxzvj
Similar Websites :
Pass4sure Certification exam Practice Tests
Pass4Sure Certification Question Bank
DEV-450 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 DEV-450 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