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.

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Extending the Halls of Learning Beyond Campus Boundaries

Nestled in the mountain town of Cullowhee, Western Carolina University (WCU) is the westernmost school in the University of North Carolina system. From the residence hall to the science lab, the school is extending digital workspace solutions to all corners of the campus and beyond.

WCU was the first campus in the University of North Carolina system to require its students to bring a computer to school, and today its 10,800 students show up with a variety of devices, from desktop and laptop computers to tablets and smartphones. The university needed a way to provide each student with consistent and easy-to-access resources, no matter what kind of device they have or whether they’re on or off campus.

The university chose to do so by implementing a secure cloud-based digital workspace solution from VMware that enables students to use a single sign-on to access all their apps, from Microsoft Office 365 to specialized academic apps. “The fact that they can consistently and conveniently offer all of this software is a huge benefit to their community,” says Mark Ellersick, technology support analyst at WCU.

Apps are distributed with VMware App Volumes, which customizes desktops based on student profiles. When a student finishes a class, their access to apps for that class is withdrawn—saving money for WCU’s IT department. At the same time, VMware Horizon provides non-persistent virtual desktops for students.

These digital workspace solutions and mobility have allowed WCU to expand its distance education programs. “VMware has provided the EUC stack that’s helped us to level the playing field between their on-campus students and those distance education students,” says Patrick McGraw, virtualization and tier-one engineer at WCU. Instead of having to install their own software, distance education students can participate in the same programs as on-campus students, as long as they have an Internet connection.

Students on campus benefit as well. “The great thing about the technology is that students don’t notice it,” Ellersick says. “They walk into a lab, log in, and do their work. When they walk out of that lab and go home, or even to another town or state, they can access that same resource. Now the lab is open 24 hours a day, 7 days a week.”

Enterprise-level security at many levels protects university data. For example, students in medical fields and employees of the university health service use non-persistent desktops to access patient information, keeping it in the data center instead of the endpoint. Ellersick cites multifactor authentication as an additional security factor that’s important when the university processes other types of sensitive information, such as credit card transactions.

Moreover, software deployment is now much easier for WCU. Before virtualization, to get school computers ready for a new year the IT team would “re-image computers for hours and hours … two weeks straight, 24 hours a day,” McGraw recalls. “If a faculty member forgot to request a piece of software on lab computers, they would have to re-image the entire classroom, and that would take a week or more.” With App Volumes, new apps are available instantly for an entire class. “The faculty doesn’t lose class periods waiting for applications to get installed. It’s really sped up the process.”

Digital workspace technologies are enhancing the university’s mission of education for all. “We’re excited, as a university and as an IT department, to deliver students a consistent experience and really level the playing field,” Ellersick says. “We’re breaking down barriers and making resources more accessible. We’re excited that they can bring everything together in a very intuitive and easy-to-use package.”

Watch the video to learn more about how WCU simplifies student access to apps.

The Possibility Report is an ongoing series about how technology is changing their understanding of the world around us. This article is part of LEARN, their discussion on how emerging technologies promise to change the educational experience as they know it, from elementary schools to prisons and everywhere between.


The Best Online Learning Platforms for 2024

Online learning sites enable us to expand their minds and creative spirit. No matter where you are in the world or how little prior experience you have with a subject, you can learn just about anything, so long as you have an internet connection. They test and review dozens of online learning platforms, and here they list the best ones for all kinds of non-matriculated learning.

"Learning" isn't limited to the education taught in school. There are sites where you can pick up new software skills, become a better manager, study the art of memoir writing, watch a tutorial on how to set up a sewing machine, and listen to a world-renowned master in their field explain how they got there. Are you looking for practical skills? Business skills? Professional development? Inspiration? Or are you a student who needs tutoring in AP History? You can learn any of these things and more.

Read on for the top services we've tested, followed by everything you need to know about online learning.

Deeper Dive: Their Top Tested Picks

MasterClass Best for Inspiration Why They Picked It

Everything about MasterClass deserves an A+. Instructors are among the top names in their fields. Each class is designed in painstaking detail. The production quality is superb. And what you learn from MasterClass is a combination of practical skill and inspiration.

Who It's For

MasterClass is for anyone who has a curiosity and desire to learn, from teenagers on up. It's for people who want insight into a chosen field, as well as those open to learning what they can from the highest achievers in other fields. Whether you're passionate about standup comedy, filmmaking, leadership, baking, music, or scholarship, you can find wonderful insight from MasterClass.

PROS

  • A-list celebrity instructors
  • Supremely high production values in videos
  • Well-thought-out course structure
  • Great breadth of topics
  • CONS

  • Video and course run times and year filmed should be clearer
  • Ads for other MasterClass classes are frustrating and senseless
  • SPECS

    Name Value User Created Classes Some Celebrity Instructors Some Courses Free Khan Academy Best for Free Academic Learning Why They Picked It

    Khan Academy is one of the best online learning sources because it clearly and strategically helps you learn academic subjects for free. Whether you need to master a mathematical concept or advance your understanding of macroeconomics, Khan has you covered. The videos, readings, and interactive components it uses to teach are well thought out and delivered with care.

    Who It's For

    Khan Academy focuses on learning materials for students in kindergarten through early college. That doesn't mean other people can't use it or find immense value in it. When you look at the available courses, however, you will notice that many of them closely map to the US education system. So for example, there are courses under the heading High School Physics. Khan Academy is especially adept at teaching math, science, computing, economics, history, and personal finance, among a few other subjects. You get sequential material, too, so you can work through one lesson at a time in order until you've learned what you need to know.

    PROS

  • Free
  • No account necessary
  • Uses video lectures, readings, and quizzes
  • Impressive test-prep and college-prep resources
  • Generous language support
  • CONS

  • Missing some subjects, such as foreign languages and music
  • Caters uniquely to the US education system and needs
  • SPECS

    Name Value User Created Classes Some Celebrity Instructors Some Courses Free Coursera Best for Free Access to University Courses Why They Picked It

    Coursera is different from many other online learning sites because it hosts real courses from prestigious universities and makes many of them available for free. In other words, you can get all the lectures (recorded to video) and practicing materials from a class at, say, Yale University without paying anything at all. Coursera has other kinds of classes, too, but the university material is really what sets it apart. For some courses, there are options to pay for it and earn a professional certificate, bachelor's degree, or master's degree. If you don't pay, you still get the exact same learning materials, but you don't get any interaction with instructors or any grades on your assignments.

    Who It's For

    Coursera is for people who want access to real university classes and have the self-discipline to follow through on all the assignments, which can often take weeks or months to complete. You mostly learn through videos, readings, quizzes, and assignments. If you use Coursera for free, you may be able to get feedback on your assignments from other learners, but not the instructor. Coursera is best for learners who can handle college-level course material.

    PROS

  • Offers real courses from universities for free
  • Partners with private corporations for job-specific skills
  • Reasonably priced certificate courses
  • CONS

  • Interface dated in some areas
  • SPECS

    Name Value User Created Classes Some Celebrity Instructors Some Courses Free Kahoot! Best for Quizzes and Games Why They Picked It

    We picked Kahoot! as one of the best online learning platforms because it lets you create games, quizzes, and other interactive content for your learning materials. Whether you are designing games and quizzes or playing them, Kahoot! is easy to use. They love that it adds engagement to all kinds of get-togethers, whether in the classroom, meeting room, or living room.

    Who It's For

    Kahoot! is an ideal platform for businesses that need to teach something, as well as educational instructors who want to make their content more engaging. Once you have an account, you'll see other fun ways to use the platform to create, for example, trivia for family gatherings or activities at conferences

    PROS

  • Encourages interaction in a fun way
  • Variety of uses, from business training to student learning
  • Easy to use as creator or player
  • Players don't require an account
  • CONS

  • Strict 120-character limit on question text field
  • No auto-advance option; host must manually move to next question or slide
  • SPECS

    Name Value User Created Classes Some Celebrity Instructors Some Courses Free Skillshare Best for Creatives Learning Practical Skills Why They Picked It

    Skillshare's videos teach you skills to lead a creative life. It covers everything from creative hobbies to tips for running a creative online business. This site offers short videos, sometimes as part of a much longer series, where you learn and practice mostly hands-on skills. You get additional materials, such as PDF handouts, and sometimes community forums where you can upload examples of your work to get feedback from other learners. While its pricing has jumped around over the years, Skillshare now has a reasonable annual cost.

    Who It's For

    Skillshare is for people who want to develop creative skills or need help learning the ins and outs of running a creative business. It's especially good at helping people with drawing, painting, digital arts, photography, cooking, writing, sewing, and other crafts. One aspect of Skillshare that they appreciate is that it does have some very short courses or lessons within courses that you can complete as a one-off. For example, if you just want to practice drawing cacti for five minutes, Skillshare has videos that will indulge your creative cravings.

    PROS

  • Varied content courses all suited to creative types
  • Optional assignments and community interaction
  • Some free courses
  • CONS

  • Feedback from other learners is rarely insightful or instructional
  • No ensure that instructors participate in community features
  • SPECS

    Name Value User Created Classes Some Celebrity Instructors Some Courses Free Udacity Best for Programming and Vocational Skills Why They Picked It

    We picked Udacity as one of the best online learning platforms because it teaches highly specific, job-focused skills and gives learners an opportunity to create demo work to prove it. Udacity delivers rigorous courses, called Nanodegrees, that teach highly specific job-related skills, mostly in the tech arena. Some of the Nanodegrees have been created in partnership with big-name companies, like IBM Watson and Google. Learners come away not only with new skills but also—fairly often—sample projects to show their work, perhaps for a job interview.

    Who It's For

    Udacity is clearly for job seekers who want to work in a specific technical field and perhaps for a specific employer. How specific? There's a course called Self-Driving Car Engineer, developed in partnership with Mercedes-Benz, Nvidia, Uber, and other companies. Udacity does offer some more general business courses on courses such as marketing. That said, Udacity is best for people who are willing to pay a few hundred dollars per month to complete one of its highly targeted Nanodegrees.

    PROS

  • Focused on specific job skill development, especially in programming and computer science
  • Nanodegree learners come away with relevant work samples
  • Self-service cancellation, data download, and account deletion
  • CONS

  • Expensive
  • Difficult to measure the value for job seekers
  • Less inspirational and motivational than other learning sites
  • SPECS

    Name Value User Created Classes Some Celebrity Instructors Some Courses Free Wondrium Best for Curious Minds Why They Picked It

    Wondrium is a subscription-based video streaming service that focuses on educational programming. Wondrium was formerly called The Great Courses Plus, and while it has expanded its catalog in recent years, it still has everything that The Great Courses Plus had. The courses come across as a series of TV lectures or simple documentaries. You can watch video courses not only on your computer, but also via Apple TV, Roku, and other devices. The service has an overwhelming amount of content on courses such as philosophy, religion, and the natural world.

    Who It's For

    The best way to describe Wondrium is to call it couch-side edutainment. It's not geared toward teaching you hands-on skills or helping you achieve a specific learning goal (though it does have some skills-focused classes). Instead, Wondrium feeds your curiosity with videos that explore ideas that perhaps you know nothing about. In that sense, it's wonderful for beginners or people who don't have any prior knowledge of the subjects it covers.

    PROS

  • Excellent accessibility options
  • TV quality production values
  • Variety of content
  • CONS

  • No free account or content
  • Prices somewhat high
  • SPECS

    Name Value User Created Classes Some Celebrity Instructors Some Courses Free Udemy Best for Taking One-Off Courses Why They Picked It

    We included Udemy in this list of the best online learning platforms because it sells discrete video courses on an array of topics. Many people end up using Udemy because they met an instructor through another context, and the instructor pointed them to Udemy to purchase their course. Generally speaking, Udemy's content covers both personal and professional development, with excellent lessons in management training, software use, and programming. They like that you can pay for Udemy courses one by one, with prices varying per course, or you can get access to a catalog of content with a business subscription. Regrettably, the subscription prices are high, and you need a minimum of five people for a business account.

    Who It's For

    Udemy is for three kinds of people: 1) those with a business subscription to the site who can simply explore what it has to offer, 2) people who are interested in a specific course offered on the site, and 3) instructors who want to host and sell their courses on Udemy. For the third use case, they didn't do detailed testing or analysis, instead focusing on Udemy from the learner's perspective.

    PROS

  • Great learning courses for hard and soft professional skills
  • Interesting array of content
  • Clear resources for instructors
  • CONS

  • No subscription for individuals; pricing is per class
  • Price for Business accounts somewhat high, with a minimum of 5 people
  • SPECS

    Name Value User Created Classes Some Celebrity Instructors Some Courses Free

    Buying Guide: The Best Online Learning Platforms for 2024

    How Effective Is Online Learning?

    All the sites included in this roundup use video as the primary teaching method. Some add interactive quizzes, PDFs, links to additional resources, and discussion areas (usually little more than a section for comments) so that everyone engaged with the material can learn from one another.

    Videos can be standalone, although usually, they're part of a series. A course might contain several hours of videos, but they're always broken up into parts. The best learning sites take care to plan out how much content goes into each video as well as the sequence of videos. In this way, your learning is cumulative. You're typically building new ideas or concepts on top of what you've already learned.

    When quizzes are available, they can be private to you or shared with an administrator or instructor if your login is part of a business account or associated with a formal class or tutoring (in the case of Khan Academy). They help you track how well you've retained new information. Some sites offer certificates upon completion. They are not widely accepted by other institutions, but they may be helpful to you in some cases. For example, if your employer pays for you to have a subscription to a learning website, you can offer these certificates as evidence of using it.

    A note on language learning: There are so many excellent websites and apps for learning a foreign language that they have a separate article for them. When you want a language app, you'll have specific questions, such as: Which one offers the language I want? How much time do I need to spend on it each day? How much does it cost? You might also want to know which apps are better for developing a base vocabulary versus advancing existing skills. Their roundup of the best language learning apps and websites covers all these points and more.

    Similarly, PCMag has a separate article on the best courses for learning to create websites. It's another concrete skill that comes with specific questions. They have another entire article dedicated to the best online courses for Photoshop.

    Stills of MasterClass videos

    (Credit: MasterClass/PCMag)

    Is MasterClass Worth the Money?

    MasterClass is an on-demand learning website where you get hours and hours of video featuring top talent talking about their fields. Everything about it is extremely well made, and if you're interested in even one course, they think it's worth paying for a year's subscription. You will certainly find other courses if interested once you get into the catalog.

    MasterClass is simultaneously binge-worthy, educational, and thought-provoking. The quality alone leaves you whispering, "How is this so good?"

    In the recent past, MasterClass has done a good job of improving its lineup of instructors to include more top talent who are people of color and women (it was previously weak in this regard). The catalog of classes is growing all the time. The content is top rate, and the quality is exceptional.

    Where Can You Take Real College Classes Online?

    Coursera is one of the best online learning sites that offers plenty of free video courses and materials. It also partners with universities to make some of their degree programs available online. If you want the degree, you have to apply to the program and pay tuition to the school, just as if you were an in-person student. However, if you don't care about getting the degree and you just want access to real courses and materials from the likes of Yale, University of Singapore, and Sciences Po in France, then you can create a free Coursera account and have access to them.

    No matter how you attend, you get video lectures, practicing materials, quizzes, and in some cases the opportunity to submit assignments for peer-review (when you audit a course) or grades (with paid enrollment).

    Recommended by Their Editors Coursera interface

    (Credit: Coursera/PCMag)

    Coursera partners with private companies, too, to offer accessible education in a variety of fields from programming to designing with AutoCAD. Other examples of classes you can take include Introduction to Food and Health, Google IT Automation with Python, and Introduction to International Criminal Law.

    What Are the Best Online Learning Platforms for Specific Job Skills?

    If you need to learn specific job skills, there are two online sites that they recommend. One is Udacity because it teaches highly specific, job-focused skills. If you are aiming to get a job from one of the companies that Udacity partners with, the Udacity courses could deliver you a leg up. While Udacity offers a handful of courses that aren't technical in nature, the majority are, and they are highly specific. How specific? There's a course called Self-Driving Car Engineer, developed in partnership with Mercedes-Benz, Nvidia, Uber, and other companies.

    The other site is LinkedIn Learning. They like it best for brushing up on general job skills, such as public speaking and developing interviewing strategies; they also love its video tutorials on learning creative software, such as Photoshop. Many of those software programs come from Lynda.com, which was acquired by LinkedIn some years ago. Lynda.com was the best resource for learning software for many years, and we're happy it lives on today at LinkedIn.

    LinkedIn Learning

    (Credit: Microsoft/PCMag)

    Learn at Your Own Pace

    The next time you feel like you need some fresh ideas, take a spin through one of these sites and learn something new. You might find yourself caught up in wonderment at new and interesting ideas or taking notes on something useful. The beauty of online learning sites is that they don't require any commitment, so you can learn what you want at your own pace.


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    PCMag, PCMag.com and PC Magazine are among the federally registered trademarks of Ziff Davis and may not be used by third parties without explicit permission. The display of third-party trademarks and trade names on this site does not necessarily indicate any affiliation or the endorsement of PCMag. If you click an affiliate link and buy a product or service, they may be paid a fee by that merchant.


     


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    Warum sind Cyberrisiken so schwer greifbar?

    Als mehr oder weniger neuartiges Phänomen stellen Cyberrisiken Unternehmen und Versicherer vor besondere Herausforderungen. Nicht nur die neuen Schadenszenarien sind abstrakter oder noch nicht bekannt. Häufig sind immaterielle Werte durch Cyberrisiken in Gefahr. Diese wertvollen Vermögensgegenstände sind schwer bewertbar.

    Obwohl die Gefahr durchaus wahrgenommen wird, unterschätzen viele Firmen ihr eigenes Risiko. Dies liegt unter anderem auch an den Veröffentlichungen zu Cyberrisiken. In der Presse finden sich unzählige Berichte von Cyberattacken auf namhafte und große Unternehmen. Den Weg in die Presse finden eben nur die spektakulären Fälle. Die dort genannten Schadenszenarien werden dann für das eigene Unternehmen als unrealistisch eingestuft. Die für die KMU nicht minder gefährlichen Cyber­attacken werden nur selten publiziert.

    Aufgrund der fehlenden öffentlichen Meldungen von Sicherheitsvorfällen an Sicherheitsbehörden und wegen der fehlenden Presseberichte fällt es schwer, Fakten und Zahlen zur Risikolage zu erheben. Aber ohne diese Grundlage fällt es schwer, in entsprechende Sicherheitsmaßnahmen zu investieren.

    Erklärungsleitfaden anhand eines Ursache-Wirkungs-Modells

    Häufig nähert man sich dem Thema Cyberrisiko anlass- oder eventbezogen, also wenn sich neue Schaden­szenarien wie die weltweite WannaCry-Attacke entwickeln. Häufig wird auch akteursgebunden beleuchtet, wer Angreifer oder Opfer sein kann. Dadurch begrenzt man sich bei dem Thema häufig zu sehr nur auf die Cyberkriminalität. Um dem Thema Cyberrisiko jedoch gerecht zu werden, müssen auch weitere Ursachen hinzugezogen werden.

    Mit einer Kategorisierung kann das Thema ganzheitlich und nachvollziehbar strukturiert werden. Ebenso hilft eine solche Kategorisierung dabei, eine Abgrenzung vorzunehmen, für welche Gefahren Versicherungsschutz über eine etwaige Cyberversicherung besteht und für welche nicht.

    Die Ursachen sind dabei die Risiken, während finanzielle bzw. nicht finanzielle Verluste die Wirkungen sind. Cyberrisiken werden demnach in zwei Hauptursachen eingeteilt. Auf der einen Seite sind die nicht kriminellen Ursachen und auf der anderen Seite die kriminellen Ursachen zu nennen. Beide Ursachen können dabei in drei Untergruppen unterteilt werden.

    Nicht kriminelle Ursachen

    Höhere Gewalt

    Häufig hat man bei dem Thema Cyberrisiko nur die kriminellen Ursachen vor Augen. Aber auch höhere Gewalt kann zu einem empfindlichen Datenverlust führen oder zumindest die Verfügbarkeit von Daten einschränken, indem Rechenzentren durch Naturkatastrophen wie beispielsweise Überschwemmungen oder Erdbeben zerstört werden. Ebenso sind Stromausfälle denkbar.

    Menschliches Versagen/Fehlverhalten

    Als Cyberrisiken sind auch unbeabsichtigtes und menschliches Fehlverhalten denkbar. Hierunter könnte das versehentliche Veröffentlichen von sensiblen Informationen fallen. Möglich sind eine falsche Adressierung, Wahl einer falschen Faxnummer oder das Hochladen sensibler Daten auf einen öffentlichen Bereich der Homepage.

    Technisches Versagen

    Auch Hardwaredefekte können zu einem herben Datenverlust führen. Neben einem Überhitzen von Rechnern sind Kurzschlüsse in Systemtechnik oder sogenannte Headcrashes von Festplatten denkbare Szenarien.

    Kriminelle Ursachen

    Hackerangriffe

    Hackerangriffe oder Cyberattacken sind in der Regel die Szenarien, die die Presse dominieren. Häufig wird von spektakulären Datendiebstählen auf große Firmen oder von weltweiten Angriffen mit sogenannten Kryptotrojanern berichtet. Opfer kann am Ende aber jeder werden. Ziele, Methoden und auch das Interesse sind vielfältig. Neben dem finanziellen Interesse können Hackerangriffe auch zur Spionage oder Sabotage eingesetzt werden. Mögliche Hackermethoden sind unter anderem: Social Engineering, Trojaner, DoS-Attacken oder Viren.

    Physischer Angriff

    Die Zielsetzung eines physischen Angriffs ist ähnlich dem eines Hacker­angriffs. Dabei wird nicht auf die Tools eines Hackerangriffs zurückgegriffen, sondern durch das physische Eindringen in Unternehmensgebäude das Ziel erreicht. Häufig sind es Mitarbeiter, die vertrauliche Informationen stehlen, da sie bereits den notwendigen Zugang zu den Daten besitzen.

    Erpressung

    Obwohl die Erpressung aufgrund der eingesetzten Methoden auch als Hacker­angriff gewertet werden könnte, ergibt eine Differenzierung Sinn. Erpressungsfälle durch Kryptotrojaner sind eines der häufigsten Schadenszenarien für kleinere und mittelständische Unternehmen. Außerdem sind auch Erpressungsfälle denkbar, bei denen sensible Daten gestohlen wurden und ein Lösegeld gefordert wird, damit sie nicht veröffentlicht oder weiterverkauft werden.

    Ihre Cyberversicherung sollte zumindet folgende Schäden abdecken:

    Cyber-Kosten:

    • Soforthilfe und Forensik-Kosten (Kosten der Ursachenermittlung, Benachrichtigungskosten und Callcenter-Leistung)
    • Krisenkommunikation / PR-Maßnahmen
    • Systemverbesserungen nach einer Cyber-Attacke
    • Aufwendungen vor Eintritt des Versicherungsfalls

    Cyber-Drittschäden (Haftpflicht):

    • Befriedigung oder Abwehr von Ansprüchen Dritter
    • Rechtswidrige elektronische Kommunikation
    • Ansprüche der E-Payment-Serviceprovider
    • Vertragsstrafe wegen der Verletzung von Geheimhaltungspflichten und Datenschutzvereinbarungen
    • Vertragliche Schadenersatzansprüche
    • Vertragliche Haftpflicht bei Datenverarbeitung durch Dritte
    • Rechtsverteidigungskosten

    Cyber-Eigenschäden:

    • Betriebsunterbrechung
    • Betriebsunterbrechung durch Ausfall von Dienstleister (optional)
    • Mehrkosten
    • Wiederherstellung von Daten (auch Entfernen der Schadsoftware)
    • Cyber-Diebstahl: elektronischer Zahlungsverkehr, fehlerhafter Versand von Waren, Telefon-Mehrkosten/erhöhte Nutzungsentgelte
    • Cyber-Erpressung
    • Entschädigung mit Strafcharakter/Bußgeld
    • Ersatz-IT-Hardware
    • Cyber-Betrug