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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Download PDF instead of Previewing in Chrome and Firefox on Windows PC

Both Chrome and Firefox have this default setting where they preview PDFs instead of downloading them. This can be a bit annoying, especially if you want to save them but are in a hurry. Therefore, in this article, they are going to see how to download PDFs instead of previewing them in Chrome and Firefox.

Download PDF instead of Previewing in Chrome

Google Chrome has its own PDF Viewer, so, when you click on a PDF, it will be opened with Chrome’s PDF on the browser itself. Therefore, they need to disable Chrome’s PDF viewer to download PFDs instead of previewing them.

  • To do that, launch Chrome
  • Click on the three vertical dots from the top-right corner of the window
  • Cick Settings.
  • Now, you need to click Privacy & Security from the left panel
  • SelectSite Settings from the right panel
  • Scroll down a bit, and click Additional content settings.
  • Click PDF documents and enable the toggle of Download PDF files instead of automatically opening them in Chrome.
  • This way you will be able to download PDFs instead of previewing them in Chrome.

    Download PDFs Instead of Previewing Them In Firefox

    Download PDFs Instead of Previewing Them in Chrome and Firefox

    If you don’t use Chrome but Mozilla Firefox, you can still download PDF instead of opening them. Firefox also has a built-in PDF Viewer, just like Chrome, so, when you click on a PDF, the document will open with Firefox PDF viewer. To download PDF instead of previewing them in Firefox, you can follow the given steps:

  • Launch Firefox, click on the three horizontal lines, and select Options.
  • Make sure you are on the General tab and scroll down a bit to reach Applications.
  • From the “Portable Document Format (PDF)” section, change Open in Firefox to Save File.
  • This way you will be able to download PDFs instead of previewing them in Firefox.

    If you use Microsoft Edge, and you want to download PDFs instead of previewing them, check out their guide.

    Download PDFs Instead of Previewing Them in Chrome and Firefox

    The Hypothyroidism Solution Reviews: Jodi Knapp Diet And Exercises Plan PDF Download

    Are you struggling with thyroid gland disorder and need to remove it permanently? Well, the Hypothyroidism Solution Book is a perfect choice. This online program teaches you how to heal hypothyroidism in nature.

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    Hypothyroidism is an underactive thyroid condition that affects fifty percent of adults over the age of twelve. If you are suffering from thyroid disease, this article is helpful for you. The Hypothyroidism Solution Program will explain instructions to eliminate thyroid gland disease.

    This disease is caused by autoimmune dysfunction, and an immune system disorder begins by offering antibodies that attack body tissue. It makes the person fall into a chronic disease, so taking the right solution to heal an immune system disorder is important.

    Hypothyroidism has symptoms like depression, constipation, weight gain, muscle cramps, etc. The Hypothyroidism Solution product is a good option for people with thyroid problems. Besides, you will learn everything about the program in the Hypothyroidism Solution reviews.

    Hypothyroidism: what is it?

    If a person’s immune system harasses their thyroid gland, hypothyroidism occurs. It causes a lack of thyroid hormone production, which will affect the health condition. If anyone experiences the ill effects of hypothyroidism, staying alive has an influence on survival, whether lasting an injury or developing the coronary disorder.

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    Overview of The Hypothyroidism Solution

    Hypothyroidism is a common issue that many people have faced in recent times. Hypothyroidism Solution is a safe eBook that provides support for hypothyroidism damage symptoms. With the help of a healthy diet, you can boost your overall health.

    The digital program is key to offering the solution and increasing thyroid function. It consists of a four-week program that helps the reader understand the thyroid gland. It helps reduce the negative signs of diseases and keeps you healthy.

    The Hypothyroidism Solution pdf provides an organic way to treat hypothyroidism without visiting a hospital. It offers step-by-step guidelines that concentrate on curing thyroid issues and repealing hypothyroidism.

    The body’s inability to produce enough thyroid hormones can reduce metabolism. Addressing the root cause of the disease can help you recover quickly. Those following the author’s recipes can obtain the desired outcome and maximum satisfaction.

    You can purchase the Hypothyroidism Solution digital program from the official portal and implement the author’s tips smoothly. It helps you to design a therapeutic plan that helps cure thyroid issues.

    The Hypothyroidism Solution Review

    The Hypothyroidism Solution Review

    Is the hypothyroidism solution legit or a scam?

    The Hypothyroidism Solution Digital Program is legit and helps boost thyroid hormones. If you follow the author’s guidelines properly, you can see positive changes. It works via natural principles that boost sleep quality, skin health, and energy levels.

    Creators need to aid people via organic methods that keep them healthy. She says that consuming supplements can cause side effects and worsen hypothyroidism. Therefore, the author suggests a natural diet that cures thyroid disorders.

    Jodi offers a refund policy; if you don’t get the desired result within sixty days, she will return your funds. But the scammer only offers 60 days of cash-back assurance, so you can buy the product on the right website.

    The Hypothyroidism Solution Guides have a positive response among people suffering from thyroid dysfunction. The 4-week plan product guides on taking healthy foods, which contain nutrients. It helps to boost thyroid hormone production in the body effortlessly.

    How Does the Hypothyroidism Solution Program Work?

    The Hypothyroidism Solution online program is the best way to remove thyroid problems. It suggests instructions to take organic food that will eliminate inflammation from the inside organs of the body.

    This digital product offers users healing recipes that are excellent against thyroid gland disorders. If you fail to take medicine for diabetes, it will affect the internal organs of the body.

    Organic ingredients effectively eliminate inflammation from the body’s internal organs. If the body achieves this level, the gut system will calm down and flush out toxins.

    Two important hormones should work optimally in the body. When they don’t activate, they cannot reach high performance. This digital book will suggest organic methods to produce two hormones that control important bodily functions.

    Immune systems need a good atmosphere to decide between safe and dangerous substances. Inflammation will stop the body, based on Jodi’s guides, and offer critical inside harmony for a peaceful lifestyle.

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    What is included in the Hypothyroidism Solution product?

    To purchase the Hypothyroidism Solution book, you must learn what is inside the product. You can learn about the product on the official portal before placing an order. Let us see what is inside the Hypothyroidism Solution product:

  • The ebook is the best solution for hypothyroidism, allowing the user to live securely from thyroid-related disorders.
  • The four-week plan will fight against the disease to get a healthy body without the side effects. You only obtain the desired result if you finish the four-week plan properly.
  • This digital book comes with 11 healing strategies that will work smoothly. The person who follows these strategies can help with their thyroid issues.
  • The book has simple recipes that will fight the thyroid gland. The author will explain recipes clearly that lessen diseases.
  • Creator of hypothyroidism solution

    Jodi Knapp is a natural practitioner who suffers from the hypothyroidism condition. She is a famous naturopath who focuses on kidney and hypothyroidism dysfunction.

    She tried a lot of things but did not see any changes in her health condition. At last, Jodi found an organic method to treat hypothyroidism, which helped many people.

    Hypothyroidism solutions have helped many people worldwide eliminate the harmful disease from their bodies. She works closely with people and suggests the right solution that removes the health issue smoothly.

    Jodi Knapp provides excellent strategies for withdrawing several symptoms and health issues. If you use this digital book, you can get positive results faster. It helps to cleanse the root causes of a thyroid condition.

    Click to download Hypothyroidism Solution Book for the Lowest Price Right Now from the Official Site

    How can people benefit from hypothyroidism solutions?

    Unlike other thyroid-reversing programs, it offers an organic way to cure hypothyroidism. It provides the user with many health benefits that make this program popular. When taking organic recipes, you give the body enough time to soak up nutrients.

    This program does not highlight any harmful ingredients or supplements. So it is completely safe for every user. You can consume natural ingredients and eliminate hypothyroidism within a short time. Here are some benefits of using hypothyroidism solution products:

    One of the important reasons to use the Hypothyroidism Solution Product is a good night’s sleep. If the thyroid is inactive, it can cause underactive thyroid disease in the person.

    Hypothyroidism causes insomnia, which disrupts sleep by causing irritability, joint pain, and others. When you restore healthy thyroid levels, it offers you a good night’s sleep.

  • Enhance metabolism level 
  • The body has a certain metabolism that makes it hard to destroy fat to obtain enough energy. Thyroid problems can affect the metabolism, so you must take the proper nutrients to resolve the stronger thyroid function.

    Following an organic diet helps promote fat burning and produces enough energy. In addition, it helps to reduce unwanted weight without side effects.

    If the thyroid is not working properly, it can damage the internal skin. The National Center for Biotechnology Information publishes a journey regarding thyroid hormone action on skin that shows hyperthyroidism damages the skin.

    Those who provide proper nutrients to the body can get enough thyroid function. It positively impacts the skin, so you can get young, shiny, and healthy skin.

    Depression and stress are common side effects of hypothyroidism. The Hypothyroidism Solution Guide suggests consuming healthy food and getting proper sleep. It will increase thyroid function smoothly and enhance cognitive activity.

    Cost of Hypothyroidism Solution PDF

    If you desire to purchase a hypothyroidism solution book, you can visit the official website of the author. They do not sell this digital program on other online shopping portals. Besides, the Hypothyroidism Solution online program comes with an excellent cash-back guarantee.

    The price of the Hypothyroidism Solution online program is $49. Once you complete the payment process, you will have access to the eBook immediately. The digital book is available in PDF files, so you can access it from your mobile phone or desktop.

    The website also offers a physical copy of the Hypothyroidism Solution book. The interested candidate needs to pay extra money for materials. Moreover, this program comes with extra bonuses, such as

  • The Hypothyroidism Solution Cook Guide
  • Guidelines to boost energy levels within a week
  • Treat depression naturally
  • A natural solution for Insomnia
  • Video and Audio tutorial
  • There are no thyroid reversing programs on the market other than the Hypothyroidism Solution Guide, because the discount price of this program is 37 dollars.

    Is there money-back assurance for this digital program?

    Of course, the creator offers a 60-day money-back assurance for the online program. Therefore, the individual wants to avoid bothering about buying the digital product.

    If you purchase the online program, you can access it for a lifetime without any difficulty. In addition, you can access future updates free of charge.

    If you do not get the desired result, you might request a refund within sixty days from the date of purchase. You can contact the customer support technician for a refund.

    No questions asked! The creator will send the full amount to your bank account within two business days. Remember that the refund policy is eligible only for people who purchase the Hypothyroidism Solution Book from an official site.

    Final words: The Hypothyroidism Solution Reviews

    The Hypothyroidism Solution Program is the most excellent guide to learning how to rebalance the thyroid. It comes with clear information that helps you create a healthy diet. Consuming good food can fight nutrient deficiency and treat numerous health problems.

    The program comes with a 60-day cash-back assurance, so you can try it without risk. If you supply essential nutrients to your body, it helps to reverse the symptoms of hypothyroidism and bring back your health. You can save money and time by using this natural program.

    Using this online program, you do not want to take costly medications and creams. Instead of following a strict diet and exercising, you can make small alterations in the atmosphere, microbiome, and diet. You can buy the Hypothyroidism Solution product online and enjoy its benefits.

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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 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.


    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:


    • 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


    • 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