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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How They Test Everything They Review

PCMag’s core mission has been to help you make better buying decisions and get more from technology by delivering independent reviews of the latest products and services. We've been testing, rating, and recommending technology products based on lab testing for more than 40 years. The rigorous, repeatable testing of more than 1,500 products each year is what gives us the best handle on the full range of the market, and has always set us apart from their competitors.

Shortly after PC Magazine was born in 1982, PC Labs, a mammoth testing lab in New York City, was built. It has taken a variety of forms over the decades, including a 1990s stint associated with Ziff Davis Benchmark Operations (ZDBOp), a division of PCMag’s then-privately held mother company Ziff Davis. In its time, ZDBOp was a key player in the computing industry, devoted to advances in the art of benchmarking and creating tools for the industry to use in assessing PC performance. This was at a time when the early waves of PC clones had come roaring through the market, and the templates for personal computing as they know it today were being cut.

How They Test Displays

(Photo: Tony Hoffman)

PC Labs has housed, at times, more than 30 technology testers sitting together in that giant temperature-controlled room complete with anti-static flooring, dozens of benches with test beds, running benchmarks on desktops, laptops, PC peripherals and components, so that writers and editors could craft reviews to print in a twice-monthly magazine.

As the technology landscape has evolved, so has their testing. Now, in addition to all forms of PC hardware and software, they cover the full range of consumer technology including categories like smart home devices, digital health and fitness gear, and electric vehicles, all of which require out-of-lab testing. The core of PC Labs still remains in their New York offices, but their testing expertise is far more diffuse, spread across a team of more than 50 analysts, editors, reporters, and contributors across the United States and overseas.

Combined, PC Labs’ on-staff analysts and key contributors can claim, conservatively, more than 600 years of combined experience in their fields. (Add them all together, and you're contemporary with the Middle Ages, the Byzantine empire, and the Incas.) How much genuine testing is that? To take just a simple example: They rate and review about 200 laptops and desktops each year, and each gets a dozen or more benchmark tests, that translates to around 2,500 annual tests run on PCs alone. Data for analysis and product comparisons is not in short supply.

How They Test Robot Vacuums

(Photo: Angela Moscaritolo)

Benchmarks & Beyond: Their Process

When evaluating products, repeatable, defensible benchmark and experiential testing is at the core of what they do. Wherever feasible, these processes are based on step-by-step scripts, exhaustively vetted for meaningful, consistent results. Sometimes, such as in cases of display testing, they use advanced, industry-standard measuring equipment to supplement their findings. In addition, some testing categories are anchored by testbed computers that they use over and over for consistency of results. (They are refreshed, and key products are retested on the new testbeds, when industry changes demand it.)

How They Test SSDs

(Photo: Molly Flores)

Likewise, their scripts are often revised to match current trends in consumer/business PCs and related gear, and follow changes in core technology. When a script changes, products are only directly compared with other products tested on the same script, under the same conditions, for comparability of results.

How They Test Fitness Trackers

(Photo: Angela Moscaritolo)

Some of their benchmarking tools are industry standards. For PC testing, for example, the core of their benchmark suite is based on highly regarded tools from Underwriters’ Lab (UL, formerly Futuremark), supplemented heavily by repeatable, usage-representative tests from a host of other sources. In some cases, these tests are internally derived and designed.

Testing in the Real World

Benchmarks and performance numbers only take you so far in finding the right technology. It's important to evaluate factors like value, features, and what it's actually like to use that camera phone in a dim restaurant, wire that video doorbell, or configure that VPN. Luckily, their reviewers rate more products than anyone else, so they're uniquely positioned to provide you the full scoop, along with a close look at the competition so you can easily compare all the products you're considering.

How They Test Displays

(Photo: Zlata Ivleva)

A Note About Ethics

We believe it's essential for their audience to understand how their company earns money. The following statement is at the top of every story on their site:

PCMag reviews products independently, but they may earn affiliate commissions from buying links on this page.

The editorial team, however, does not handle affiliate commissions in any way. Their reviewers do not know how a particular story is monetized and do not receive any of the commission earned. Reviewers are paid for their work and do not earn bonuses. Sponsored articles exist on this website, but are disclosed as such.

Companies, even those with affiliate relationships with PCMag, or are owned by their parent company do not have any input into review scores or outcomes, and their writers have a collective bargaining agreement that disallows pay-for-play writing. For more, read their editorial mission statement.

The variety of lab and real world testing processes requires an article for each major category they cover, just to scratch the surface of what they do, day in and day out. Scan below for more detailed dives by category into how they test everything they review.

PCs & Core Components How They Test Laptops

(Photo: Molly Flores)

How They Test Laptops

How They Test Desktop PCs

How They Test SSDs

How They Test Graphics Cards

How They Test Processors

PC Peripherals & Displays How They Test Displays

(Photo: Molly Flores)

How They Test Wi-Fi Routers

How They Test Monitors

How They Test Printers

How They Test Scanners

How They Test Projectors

How They Test Hard Drives

Mobile Phones & Cameras How They Test Cameras

(Photo: Weston Almond)

How They Test Phones

How They Test Bluetooth Headsets

How They Test Cellular Modems and Hotspots

How They Test Tablets

How They Test Digital Cameras and Lenses

How They Test Drones

Smart Home & Fitness Gear How They Test Smart Fitness Equipment

(Photo: Angela Moscaritolo)

How They Test Smart Home Devices

How They Test Robot Vacuums

How They Test Smart Displays

How They Test Smart Fitness Equipment

How They Test Fitness Trackers

A/V Gear How They Test VR Headsets

(Photo: Molly Flores)

How They Test TVs

How They Test Speakers

How They Test Headphones

How Noise-Cancelling Headphones Work (and How They Test Them)

How They Test VR Headsets

Software & Services How They Test VPNs

(Photo: Zlata Ivleva)

How They Test Antivirus and Security Software

How They Test VPNs

How They Collect Malware for Hands-On Antivirus Testing

How They Test Antispam

How They Test Password Managers

How They Test Web Hosting Services

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Best gaming laptops under $1,000: Best overall, best battery life, and more

Let’s face it, not all PC gaming enthusiasts have the scratch to purchase a premium gaming laptop. Luckily, there are some great budget options out there. Budget gaming laptops nowadays can sport some pretty decent CPU and GPU performance. Sure, you might have to dial back those ultra graphics settings in order to hit the 60fps sweet spot, but your experience can still be plenty satisfying.

The important thing is that you make the right compromises. We’ve compiled a list of the best gaming laptops under $1,000 to help you in that quest. (Note that laptop prices can fluctuate and there might be times when the price of one of their picks hovers over $1,000.) And in case you’re lucky enough to find some extra money under the sofa cushion, we’ve added a pick for those who can stretch their budget a little bit further.

For more recommendations on gaming laptops, see their roundup of the best gaming laptops across all prices. Additionally, before you buy, take a look at their roundup of the best laptop deals.

Asus Vivobook Pro 15 – Best overall


  • Good productivity performance
  • Superb display
  • Rugged design
  • Great battery life
  • Cons

  • Boring aesthetics
  • Unimpressive 720p webcam
  • Unreliable fingerprint scanner
  • Poor port selection
  • Price When Reviewed: $1099.99

    The Asus Vivobook Pro 15 lives up to the “Pro” title with its outstanding price-to-performance ratio. Packed with a Ryzen 7 CPU, an RTX 3050 GPU, 16GB of RAM, and a 512GB M.2 NVMe hard drive, this laptop gives you the power and performance of higher-end alternatives for much cheaper. But the feature that makes the Vivobook Pro 15 stand out from the rest of the pack on this list is the gorgeous 15.6-inch OLED display that offers crisp visuals and a near-perfect contrast ratio.

    True, its design doesn’t stand out, but that’s not what this laptop is about. Asus isn’t trying to beat premium laptops on design or build quality here. Instead, they want to load this laptop with so much power that the design doesn’t even matter—and they were successful. The Asus Vivobook Pro 15 gives you the power and features of a much more expensive midrange laptop for the price of a budget-friendly option.

    Read their full ASUS VivoBook Pro 15 OLED Ultra Slim Laptop review

    HP Victus 15 – Best budget option


  • Excellent price
  • Good keyboard and touchpad
  • Respectable processor performance
  • Can handle most games at 30 FPS
  • Cons

  • Generic design
  • Disappointing build quality
  • Unattractive 144Hz display
  • 60 FPS is often out of reach
  • Price When Reviewed: $549.99

    The HP Victus 15 might not be as powerful as some of the other options on this list, but what it lacks in performance, it makes up for by being extremely affordable. It is one of the cheapest options we’ve seen that still offers discrete graphics—albeit an older GTX 1650 model. Even though 60 frames-per-second might be out of reach on this laptop on most modern games, you can still play them at lower graphics settings. If you’re really strapped for cash but want that boost a discrete graphics card gives you, then the HP Victus 15 is worth your consideration.

    Read their full HP Victus 15 review

    Asus TUF Gaming A16 Advantage Edition – Best battery life


  • Outstanding all day battery life
  • Gorgeous and smooth FHD+ 16:10 display
  • Robust chassis with US military grade certification
  • Cons

  • Left-side port orientation won’t suit left handers
  • Keys feel a bit soft and fatiguing
  • The 720p HD camera isn’t the best
  • Price When Reviewed: $1,099.99

    Gaming laptops aren’t known for having the best battery life and gaming while unplugged can drain your battery in the blink of an eye. This makes it difficult to game on the go without being tethered to the nearest outlet. However, that’s not the case with the Asus TUF Gaming A16 Advantage Edition. It packs a massive 90 watt-hour battery, which lasted a staggering eleven hours during their testing. Of course, intensive gaming will reduce this significantly, but you can still expect to get in the neighborhood of seven hours of continuous 1080p gaming without having to plug-into an AC outlet. That’s an amazing result considering most gaming laptops only muster between three to six hours. The robust chassis and sturdy overall design means it can also take the occasional accidental bump or knock while out and about.

    It’s no slouch when it comes to performance either. It expertly handles 1080p gaming due to its combo of a Ryzen 7 processor and AMD Radeon RX 7600S graphics card. During out tests, it scored very well in their Shadow of the Tomb Raider game benchmark tests, outpacing more expensive competitors. This all combines to make the A16 an excellent option for 1080p gamers who want to enjoy untethered gaming on the go.

    Read their full Asus TUF Gaming A16 Advantage Edition review

    Lenovo IdeaPad 5 Gaming Chromebook – Best Chromebook for gaming


  • Large, bright 2560×1600 display
  • Ideal wireless and wired connectivity
  • Good display, strong speakers
  • Cons

  • Unimpressive design
  • Mediocre keyboard and touchpad
  • Lackluster webcam and microphone
  • Price When Reviewed: $569.99

    You probably don’t think of Chromebooks when you consider purchasing a laptop for gaming, and they don’t blame you. But with the advent of cloud gaming services, higher-end Chromebooks can now double as gaming devices. Still, some of these Chromebooks cost more than budget Windows gaming laptops, putting them out of reach for most. Enter the Lenovo IdeaPad 5 Gaming. For less than $600 it comes loaded with a Core i5 processor, 8GB of RAM, a 256GB SSD, and a bright 16-inch 2560×1600 display.

    If you have decent enough internet and are willing to pay the monthly fee for a cloud gaming service, you’re now able to stream the very best modern games straight from the cloud to your Chromebook. In their tests of the Lenovo IdeaPad 5 Gaming Chromebook, they even found that they could stream AAA games at good resolutions and up to 120Hz. See their roundup of the best cloud gaming services to learn about options.

    Read their full Lenovo IdeaPad 5 Gaming Chromebook review If you’re willing to spend a little bit more…

    Dell G16 – Best for work and play


  • Strong performance for the price
  • Versatile and bright 16-inch 16:10 QHD display
  • Thunderbolt 4 on board
  • Cons

  • Bulky, boring design
  • Mushy keyboard, tiny touchpad
  • Grainy 720p webcam
  • Lots of fan noise
  • Price When Reviewed: $1,499.99

    If you’re able to stretch your budget, the Dell G16 is a fantastic laptop for work or play. It crushed the competition in the processor department. That means it has plenty of power for everyday tasks like office productivity, video chatting, checking e-mail, and more. This laptop also turned in 131 FPS while running the Rise of the Tomb Raider benchmark. For hardware, it features an Intel Core i7-12700H CPU, an Nvidia GeForce RTX 3060 GPU, 16GB of RAM, and 512GB of PCIe NVMe SSD storage. The G16 isn’t the most attractive laptop we’ve ever reviewed, but it gets the basics right and that’s what really matters. If you’re on the hunt for a laptop that you can work and play on, there’s no better option than the G16.

    Read their full Dell G16 review How they tested

    The PCWorld team puts each and every Windows laptop through a series of benchmarks that test GPU and CPU performance, battery life, and so on. The idea is to push the laptop to its limits and then compare it against others we’ve tested. Below, you’ll find a breakdown of each test and the reasons why they run them.

    Windows laptops
  • PCMark 10: PCMark 10 is how they determine how well the laptop handles lighter tasks like web browsing, word processing, spreadsheets, and so on.
  • HandBrake: HandBrake is more intensive than PCMark 10. It basically measures how long a laptop’s CPU takes to encode a hefty 30GB file.
  • Cinebench: Cinebench is a brief stress test of the CPU cores. It does this by rendering a 2D scene over a short period of time.
  • 3DMark: 3DMark checks if 3D performance remains consistent over time by running graphic-intensive clips.
  • Gaming tests: They benchmark each gaming laptop using several titles.
  • Video rundown test: To gauge battery life, they loop a 4K video using Windows 10’s Movies & TV app until the laptop dies.
  • What you should look for in a budget gaming laptop

    When it comes to picking the right gaming laptop, it really depends on what you want to do with it. Do you plan on playing lightweight indie titles like Stardew Valley (no shade, I love this game) or something more visually demanding like Cyberpunk 2077? Are you going to use the machine for work as well as play? It’s possible to get reliable performance out of a gaming laptop that costs under a grand, but you’ll need to take a hard look at the individual components. You don’t need a powerful GPU for something like Fortnite. You can run even most of the existing games very well at 1080p resolution with even entry level graphics cards if you don’t mind dialing down the in-game visual settings from Ultra to more-reasonable High to Medium settings. You’ll almost certainly need to do so to hit 60 frames per second in modern games on a gaming laptop under $1,000, but the good news is they should still look good, especially on a laptop display.

  • GPU: The thing about the GPU is that it can’t be swapped out and upgraded later, so you need to be real choosy about which one you pick, as this component will determine how well your machine runs games. Luckily, you don’t need the best of the best to get reliable gaming performance. The GTX 1650 is an entry-level GPU that’s affordable and good enough for 1080p gaming with mid-to-high graphics settings. That said, expect lower frame rates on newer titles. If you’re looking for a bit more power, the more modern RTX 3050 and 3050 Ti are preferred options, and commonly found in gaming laptops under $1,000. You may occasionally find a deal on an RTX 3060-powered laptop under $1,000, but they’re relatively rare.
  • CPU: Like the GPU, the processor can’t be upgraded either, so you’ll want to be selective. For Intel, we’d recommend an 11th-gen Intel Core i5 or i7. For AMD, you’ll want to spring for a Ryzen 4000 or 5000. A processor with at least four cores is good, but six cores or more is better.
  • RAM: You’ll want at least 8GB of RAM. If you can afford 16GB of RAM, go for it. Memory is normally upgradable, so you can always swap it out and add more later on.
  • Storage: Storage impacts how many games and applications you can install on your laptop. Like RAM, storage is often upgradable and can be swapped out later. However, you should aim for at least 512GB of SSD storage plus a hard drive, as AAA titles tend to eat up a lot of space. SSDs load games faster, as data is stored on chips rather than spinning disks.
  • Display: 1080p is what you can expect at this price range, either with a 60Hz or 144Hz (preferred) refresh rate. Budget gaming laptops don’t always have the best displays, as that’s where manufacturers tend to cut corners to keep the cost low. If you’ve got a dim display, you can always pick up an external monitor to plug into it.
  • Battery life: Generally speaking, gaming laptops are known for having poor battery life. That’s because they use a ton of power. They also tend to be heavier than other laptops because they need more space for heatsinks and other cooling components. Depending on the use, most will last anywhere from four to six hours on a single charge. That said, there are a few exceptions. The HP Envy 14 (featured above), for example, hit the 15 hour mark during their battery test.
  • FAQ 1. Are Chromebooks good gaming laptops?

    This will depend on the type of gaming you want to do. But frankly, no they don’t make good gaming laptops in a general sense. Chromebooks can handle web games and Android games just fine. But a Chromebook won’t cut it if you’re looking to play the latest high-powered AAA games. This comes down to two factors, they don’t run Windows and they likely don’t have sufficient graphics power.

    With that said, Google is trying to bring cloud gaming to Chromebooks and it will likely be available in the future. Cloud gaming services use a remote PC or console to play games streamed through the cloud onto the Chromebook. Until that service is up and running though, Chromebooks will not be able to compete in the gaming arena.

    2. Can you game with integrated graphics?

    Nowadays, the latest processors with integrated graphics can run a faire amount of modern PC games at reasonable settings. Intel’s newer Iris Xe line of processors with integrated graphics, for example, have been shown to run some of the latest games at 1080p and 30fps. You should know though that not all integrated graphics are capable of the same things.

    Intel and AMD’s integrated graphics have made huge leaps in accurate years with regard to gaming performance. If you’re on a budget or looking for an ultra thin laptop with integrated graphics you can still enjoy some light gaming as well. Check out their article about Intel’s Core 12th-gen Iris Xe and AMD’s brand new Ryzen 6000 RDNA 2 for more detailed info.

    3. What size laptop is best?

    This will come down to personal preference and intended use. If you plan to travel a lot with your laptop, then a small ultraportable size in the neighborhood of 13 to 14 inches is best. However, if want to use it as a gaming machine, then something in the 15- to 17-inch range would be ideal. Also, don’t forget to check the weight of the laptop before you buy it. Ultra thin laptops can weigh a featherlight 2 pounds while beefy gaming computers top the scales at three or four times that.

    Standardized Test Policy

    Connecticut College is test-optional.

    We don’t require applicants to submit standardized test scores because they think there are better ways to determine if you’ll be successful at Conn. And they want you to highlight your strengths in the application process, not write about a random subject we've assigned. They believe your high school transcript, essay, recommendations or other application materials may show your strengths better than test scores.

    How to decide whether to submit your test scores

    Our advice is to submit your scores if you feel they are representative of your achievement and will enhance your application. (Review the middle 50% range of scores submitted for the Class of 2024.) However, if you feel your standardized test scores do not reflect your full potential and elect not to submit them, you will not be at a disadvantage in the admission process.

    In the Common App, simply choose which one testing score option you'd like us to consider:

  • No tests
  • SAT Reasoning Test (essay is not required)
  • ACT (writing component is not required)
  • If you want to submit your test scores

    If you would like us to consider your tests scores as part of your application, note that they accept both official and self-reported test scores.

    Official test scores can be submitted in any of the following ways:

  • Directly from the testing agency (SAT and ACT).
  • By your high school counselor via email (admission@conncoll.edu) or fax (860-439-4301).
  • By your high school counselor via official transcript.
  • Self-reported test scores can be submitted in either of the following ways:

  • Enter scores in the testing section of the Common Application.
  • Submit screenshots or scanned copies of score reports via email (admission@conncoll.edu) or fax (860-439-4301).
  • If you submit self-reported scores, please note that your official test scores will be required upon enrollment. Any discrepancies from self-reported test scores may result in rescinding their offer of admission.

    We “superscore” the SAT Reasoning Test and use the combined highest composite score from the ACT. You should send scores from every SAT/ACT date for which you received your best scores in specific sections.

    Scores from standardized tests taken through November typically arrive in time for Early Decision I consideration. Tests taken in December will arrive in time for Early Decision II and Regular Decision applicants.

    Transfer Testing

    Standardized test scores are not considered in the transfer application process.

    English Proficiency Requirement

    Conn's standardized testing policy does not apply to testing for purposes of demonstrating English proficiency. Students whose first language is not English must submit the TOEFL, IELTS, Duolingo or PTE.


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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