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 ACE-A1.2?

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Arista ACE-A1.2 : Arista Certified Engineering Associate ACTUAL EXAM QUESTIONS

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Exam Number : ACE-A1.2
Exam Name : Arista Certified Engineering Associate
Vendor Name : Arista
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ACE-A1.2 test Format | ACE-A1.2 Course Contents | ACE-A1.2 Course Outline | ACE-A1.2 test Syllabus | ACE-A1.2 test Objectives


Test Detail:
The Arista Certified Engineering Associate (ACE-A1.2) certification is designed to validate the knowledge and skills of individuals working with Arista Networks' cloud networking solutions. The certification focuses on the foundational principles and concepts of Arista's networking technologies. This description provides an overview of the ACE-A1.2 certification.

Course Outline:
The ACE-A1.2 certification course covers various subjects related to Arista networking technologies. The course outline may include the following:

1. Introduction to Arista Networks:
- Overview of Arista products and solutions
- Understanding Arista's cloud networking approach
- Arista EOS (Extensible Operating System) architecture

2. Arista Networking Fundamentals:
- Ethernet and TCP/IP fundamentals
- VLANs and trunking
- Routing protocols (OSPF, BGP)
- Layer 2 and Layer 3 switching

3. Arista Platform and Features:
- Arista switch models and hardware components
- Virtual Extensible LAN (VXLAN) and network virtualization
- Quality of Service (QoS) and traffic management
- Network security and access control

4. Arista Management and Monitoring:
- Arista EOS management tools and interfaces
- Configuration management and versioning
- Network troubleshooting and diagnostics
- Performance monitoring and analysis

Exam Objectives:
The ACE-A1.2 certification test assesses the candidate's understanding of Arista networking technologies and their ability to apply that knowledge in practical scenarios. The test objectives may include:

1. Knowledge of Arista networking fundamentals and concepts.
2. Proficiency in configuring and managing Arista switches.
3. Understanding of Arista EOS architecture and features.
4. Ability to troubleshoot common networking issues in an Arista environment.
5. Familiarity with Arista management and monitoring tools.

Exam Syllabus:
The test syllabus for the ACE-A1.2 certification covers the following topics:

1. Arista Networking Fundamentals
- Ethernet and TCP/IP protocols
- VLANs, trunking, and spanning tree protocol
- Routing protocols and IP addressing

2. Arista EOS and Switch Operation
- Arista switch models and hardware components
- Configuration management and file system
- Virtual Extensible LAN (VXLAN) and network virtualization

3. Arista Switch Configuration and Management
- Command-line interface (CLI) and management interfaces
- Configuration files and system software upgrades
- Quality of Service (QoS) configuration

4. Arista Switching Features
- Layer 2 and Layer 3 switching
- Security and access control features
- Network monitoring and troubleshooting



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Arista Associate Real test Questions

 

Exam Information

An test proctor will begin studying test instructions approximately 15 minutes before the test start time. Students must be in the test room with their test at this time. If taking the test on a laptop, it must be booted up and have passed the security check. Hand writers must not have a laptop with them in an test room, unless otherwise allowed according to the professor’s instructions. A student entering the test room after the proctor begins studying instructions will not receive additional time for booting up their laptop, passing the security check, and/or studying test instructions.

When instructed by the proctor, write your test number on the cover page of your exam, bluebooks, and any scratch paper you turn in as part of your exam. Handwritten test answers must be written in blue books in blue or black ink. Number the bluebooks you use (1 of 1, 1 of 2, 2 of 2, etc.). Proctors will allow time to read the professor’s instructions. Other than counting the number of pages of the exam, students are not permitted to turn the page of an test past the instructions page until the proctor instructs them to do so.

When taking a closed-book exam, no books, outlines, book bags, purses, or scratch paper (other than the scratch paper provided) may be at your seat during the exam. These items must be left outside of the test room or in the front or sides of the test room. Students may not begin to write anything, including on scratch paper, before the proctor begins a closed-book exam.

Students taking in-class exams are prohibited from having any electronic communication device, other than a laptop as allowed per the professor's instructions, during the exam. Cell phones and smart watches must be turned off during the test and placed in a bag or backpack. Violations of this rule may be considered an Honor Code violation. A clock in each test room will be the official timekeeper for the exam.

Non-alcoholic beverages are permitted in test rooms; however, the container must have a lid.

After the test instructions have been read and the test begins, the proctor will remain in the room. Any student who has a question or problem during an test should see the proctor.

Students may use the restroom or take a break during an exam. However, all test materials must be left in the test room and no additional time will be given. Students must sign in and out at the front of the room with the proctor.


6 best real estate schools in Colorado for 2024

Your real estate career in Colorado is an exciting adventure waiting to unfold. We’re here to guide you in finding the best Colorado real estate school for your needs. Their thorough review of Colorado’s real estate schools will help you determine which course package fits your schedule, timeline, budget and learning style. To get licensed, you’ll need to complete 168 hours of prelicensing coursework at an accredited and approved Colorado real estate school. Choose a school to help you ace the state test and gain the skills and knowledge to launch your new career with confidence.

*2023 pass rates as per the Colorado DRE.

Did You Know?

In Colorado, the term associate broker is used to describe a licensed real estate salesperson or agent. A managing broker is someone who has completed additional schooling, holds a managing broker’s license, and who has authority to oversee the work of associate brokers.

The CE Shop Best Best real estate school in Colorado for all stages of your career

Overall Rating: 4.8 out of 5

⭐⭐⭐⭐⭐

Rating: 4.5 out of 5. Overview

The CE Shop is the only school on their list that offers courses from prelicensing to managing broker licensing and everything in between. Their greatest strength is the design of all their course offerings at a great price. Feature for feature, you’re getting more tools, guides, e-books, and resources included in the lowest packaged price than any other school. Its package structures don’t gatekeep the best features for the highest-priced tier, instead they offer intuitive add-ons like bundling your continuing education package for when you’ve started working. What The CE Shop offers in value, it doesn’t take away in quality, either. A state-of-the-art online platform, expertly-written content, engaging lessons, and interactive study tools are all part of the deal with The CE Shop.

Prelicensing Courses Compare course packages at The CE Shop – Use promo code HW30 to save 30%
  • Pricing Education Type Starting Price Bundle Includes Prelicensing $495
  • Required 168 hours of classes, flashcards, real estate glossary of terms, study schedule, career resources & ebooks
  • Continuing Ed $35
  • All your required CE course hours to renew your license
  • Online learning platform + videos
  • Exam Prep $79
  • Lesson breakdowns, simulated exams, readiness exam, 24/7 access to support
  • Broker Licensing $115
  • 45-hour course that covers all state requirements
  • Pros + Cons Pros:
  • A free trial to try the course and platform
  • Options to bundle prelicensing and continuing education courses
  • Affordable pricing
  • Cons:
  • Limited instructor interaction
  • Features

    Course Formats: Self-paced online courses.

    Course Access: Six months from the date of enrollment.

    Refund Policy: Get a full refund within the first 30 days if you haven’t completed more than 50% of the coursework.

    Pass or Don’t Pay: You’ll get the cost of the state license test reimbursed if you don’t pass the first time.

    Exam Prep: test prep course for focused review of key material, personalized study recommendations based on readiness exams, unlimited mock exams, and video webinars led by instructors.

    Student Support: Support is available from customer service agents 7 days a week during daytime hours by email, phone, or live chat.

    Final Exam: The CE Shop offers online final test proctoring nationally (but an test proctor is not required to complete your prelicensing final test by the state of Colorado.)

  • Related Articles Colibri Real Estate Best real estate school in Colorado for online learners

    Overall Rating: 4.5 out of 5

    ⭐⭐⭐⭐⭐

    Rating: 4.5 out of 5. Overview

    Colibri Real Estate’s most impressive offering is their sleek and easy-to-use online learning platform. It is organized in an intuitive, clear way that makes finding what you’re looking for as simple as can be. Plus, they offer a ton of learning tools online such as a progress tracker and goal setting for your studies. Their videos are up-to-date, engaging, and will have you feeling motivated to dive into learning. Colibri Real Estate will definitely be appreciated by those who prefer a modern, visually-appealing online platform. And you’ll often find yourself in luck, because Colibri Real Estate regularly offers sale pricing on their packages.

    Prelicensing Courses Compare course packages at Colibri
  • Pricing Course Offerings Starting at Course Features Prelicensing $1,599
  • 168-hour prelicensing course, instructor support, study guides & coaching videos
  • Upgrades include flashcards, mock exams, review guides, readiness exam, live instructor Q&A & test prep sessions
  • Continuing Education $39
  • All your required CE course hours to renew your license
  • Additional elective courses, access to an on-demand webinar library, job aids, scripts, and checklists
  • Exam Prep $115
  • Simulated exams, flashcards, audio guides
  • Upgrades include live test prep webinars, plus Q&A sessions
  • Pros + Cons Pros:
  • Thorough curriculum with practical insights
  • A sleek and interactive online learning platform
  • Comprehensive package options with various learning support options
  • Cons:
  • No free trial
  • Limited career resources
  • Features 

    Course Formats: Self-paced online courses.

    Course Access: Six months from the date of enrollment.

    Refund Policy: Get a full refund if you cancel a self-paced course within 30 days.

    Pass or Don’t Pay: Eligible on packages which include test prep, Colibri will refund you the cost of your course if you score 80% or higher on the simulated exams and don’t pass the state license test the first time.

    Exam Prep: Includes digital flashcards, mock exams, a readiness exam, audio review guides, live Q&A sessions & six 1-hour live webinars with instructors for targeted test prep.

    Student Support: Instructors are available by phone on business days or by email.

    Final Exam: Colibri offers online final test proctoring nationally (but an test proctor is not required to complete your prelicensing final test by the state of Colorado.)

  • Kaplan Real Estate Education Best real estate school in Colorado for online learners

    Overall Rating: 4.5 out of 5

    ⭐⭐⭐⭐⭐

    Rating: 4.5 out of 5. Overview

    Kaplan is a giant in real estate education, they have been creating top-notch prelicensing, continuing education and test prep materials for decades. Their approach to students is to acknowledge that everyone learns differently, and they’re the only national real estate school with three learning options. They know that self-paced online classes are most popular among adult learners, so they offer the best of both worlds: self-paced courses and live test prep with expert instructors. They offer personal touches in a digital learning environment, providing live study sessions, webinars and Q&A sessions when you need it most. With Kaplan, you’ll feel prepared to take your license test with their comprehensive test prep approach.

    Prelicensing Courses Compare course packages at Kaplan
  • Pricing Course Offerings Starting at Course Features Prelicensing $1,599
  • 168-hour prelicensing course, access to basic test prep materials
  • Choose between OnDemand, Online Live Classes & Home Study formats
  • Upgrades include question banks, interactive online study groups, live career coaching sessions
  • Continuing Education $39
  • All your required CE course hours to renew your license
  • OnDemand & Home Study formats
  • Additional elective courses available
  • Exam Prep $99
  • Audio study guide or real estate math course
  • Mock exams, live study sessions, test prep videos, flashcards
  • Professional Development $299
  • Business building courses
  • Online video training and live online coaching sessions
  • Pros + Cons Pros:
  • A well-established reputation for quality course materials
  • Schooling for every stage of your career including continuing education and broker licensing
  • Unique career resources such as live online coaching
  • Cons:
  • No free trial
  • Limited interactive features on the online learning platform
  • Features 

    Course Formats: Self-paced online courses, instructor-led livestream classes, or home study text-based courses.

    Course Access: Six months from the date of enrollment.

    Refund Policy: Get a full refund if you cancel any format course within the first 30 days.

    Pass or Don’t Pay: Not Available.

    Exam Prep: test prep course for focused review of key material, practice question bank, customizable quizzes, performance tracker, mock exams, interactive online study group.

    Student Support: National and state-specific subject matter experts are available via email and will reply to your question within a business day.

    Final Exam: Kaplan offers online final test proctoring nationally (but an test proctor is not required to complete your prelicensing final test by the state of Colorado.)

  • Related Articles VanEd Best real estate school in Colorado for online learners

    Overall Rating: 3.5 out of 5

    ⭐⭐⭐⭐

    Rating: 3.5 out of 5. Overview

    Where VanEd shines is in its transparency with potential students. They want you to know exactly what you’re getting out of their courses, and they aren’t afraid to share it upfront. VanEd is the only real estate school that offers a 5-day free trial with full course access, so you don’t just try out the home page of an online platform. VanEd has been creating real estate courses for 17 years with expert instructors and real estate professionals. They approach their courses with variety, so you can stay engaged in your learning with videos, infographics, text, interactive flashcards and tests, and real-world exercises. They even offer virtual field trips to connect your learning to your real-world career. VanEd also keeps up with the tech needs of mobile users, ensuring their graphics and videos load without issues no matter what device you’re learning from.

    Prelicensing Courses Compare course packages at VanEd
  • Pricing Course Offerings Starting at Course Features Prelicensing $425
  • 168-hour prelicensing course, access to instructor and customer support, and test prep materials
  • Upgrades includes a pass guarantee, e-books, study guide workbooks, test workbook, CE course bundles, career courses
  • Continuing Education $26
  • All your required CE course hours to renew your license; online learning & videos available
  • Additional individual elective courses with 80+ options
  • Exam Prep $59
  • Choose from national or state-specific test prep packages including exams by subject area and proration exercises
  • Options to bundle state and national test prep
  • Pros + Cons Pros:
  • A well-established reputation for quality course materials
  • Schooling for every stage of your career including continuing education and broker licensing
  • Unique career resources such as live online coaching
  • Cons:
  • No free trial
  • Limited interactive features on the online learning platform
  • Features 

    Course Formats: Self-paced online courses.

    Course Access: One year from the date of enrollment.

    Refund Policy: Get a full refund within 3 days of purchasing your course, as long as you haven’t completed more than 50% of the coursework or attempted any of the exams or practice tests.

    Pass or Don’t Pay: Get a refund of your entire package price if you fail any portion of your license test within 11 weeks of starting your course, and you completed the unit summary exams and practice tests.

    Exam Prep: test prep course with focused summary exams on each subject, as well as practice tests, and test guide books.

    Student Support: Instructor support is available by phone, email, or online via chat or Q&A portals 7 days a week. Customer support is available live during business hours weekdays via phone, live chat, or by email.

    Final Exam: Online final exam, VanEd does offer test proctoring (but an test proctor is not required to complete your prelicensing final test by the state of Colorado.)

  • Colorado Real Estate School Best real estate school in Colorado for a pass guarantee

    Overall Rating: 3.5 out of 5

    ⭐⭐⭐⭐

    Rating: 3.5 out of 5. Overview

    Colorado Real Estate School (CRES) takes pride in their local expertise and the fact that their courses are designed by Colorado brokers. Who better to teach you the ins and outs of Colorado real estate than its own state’s experts? CRES offers many of the same reliable features of an online real estate school, with a few unique perks. While they also offer a pass-or-don’t-pay-type refund for those who don’t pass the license exam, they offer additional support with their unique Pass Guarantee. If you fail your exam, CRES will customize a study plan to your test results, renew your test prep access, and provide extra support until you pass your exam. Their test prep is unique because of their adaptive features, which means you’ll study in your weak areas so you can pass your test with flying colors.

    Course Demo

    Prelicensing Courses Compare course packages at Colorado Real Estate School
  • Pricing Course Offerings Starting at Course Features Prelicensing $399
  • 168-hour prelicensing video course, instructor support, weekly live Q&A webinar, pass guarantee, real estate math tool, test prep materials, live test crammer webinar, access to test prep video library
  • Upgrades include career resources like business building training and a pass or don’t pay refund on the license test fee
  • Continuing Education $89
  • Individual specialized online courses on a variety of topics
  • Exam Prep $29
  • State and national test prep, weekly live instructor Q&A webinars, real estate math tools, practice questions
  • Upgrades include bundled test prep, full day test cram workshop
  • Pros + Cons Pros:
  • A comprehensive curriculum designed by Colorado brokers
  • Video lessons led by expert instructors
  • Helpful career tools for newly licensed brokers
  • Cons:
  • No free trial
  • No managing broker course offerings
  • Features 

    Course Formats: Self-paced online courses.

    Course Access: Choose from 6, 8, or 10 month course access based on the package tier.

    Refund Policy: Receive a refund if you haven’t completed more than 75% of the course. You will be refunded according to the percentage coursework you completed (50% refund if you completed 50% of the course) minus a $99 cancellation fee.

    Pass or Don’t Pay: Get your license test fee refunded if you fail your license test within 4 months of completing your course, this is only available for Deluxe Package customers. For all customers, Colorado Real Estate School will ensure you pass the next time. If you take your license test within 30 days of completing their course and fail, you’ll receive free test prep, live instructor webinars, renewed access to videos, and a study guide personalized to your license test results. They will repeat this process until you pass your license exam.

    Exam Prep: test prep videos, live weekly webinars, adaptive exams with personalized study recommendations, unlimited practice exams, interactive real estate math tool, digital flashcards.

    Student Support: Instructor support is available by email 7 days a week, customer support is available by email and phone Monday to Friday.

    Final Exam: Aceable Agent offers online final test proctoring nationally (but an test proctor is not required to complete your prelicensing final test by the state of Colorado.)

  • Armbrust Best real estate school in Colorado for live instruction

    Overall Rating: 3.5 out of 5

    ⭐⭐⭐⭐

    Rating: 3.5 out of 5. Overview

    Armbrust Real Estate Institute’s (AREI) approach is straightforward: AREI mimics the classroom experience in all their real estate education offerings. AREI was the first state-approved real estate school in Colorado, and they have been successfully teaching real estate brokers for over 52 years. The benefits to live instruction is the flexibility in pace, as the instructor will adjust to students’ needs, and ability to get instructor support in real time on each course section. AREI’s methods are solid, and they can prove it – they consistently rank among the highest license test pass rates (95% as of late 2023) on the Colorado DRE’s quarterly-updated list.[2]

    Prelicensing Courses Compare course packages at Armbrust Real Estate Institute
  • Pricing Course Offerings Starting at Course Features Prelicensing $799
  • Online: On-demand video lessons, scheduled livestream classes, hardcopy texts, flashcards, outlines, live instructor access, test prep
  • In-person full-time or part-time classes in Denver, CO
  • Continuing Education $40
  • Individual CE courses offered in-person in Denver
  • Exam Prep $125
  • Includes practice questions and access to instructor support to review key materials
  • Pros + Cons Pros:
  • A collaborative in-person and virtual classroom that tailors to students’ needs
  • Live instructor support
  • Local expertise from Colorado-based instructors and experts
  • Cons:
  • No course demo
  • Higher price point
  • Limited interactive online features
  • Features 

    Course Formats: Full-time and part-time in-person classes, online livestream, or self-paced video courses.

    Course Access: Full time in-person classes are 3 weeks long, while part-time in-person classes take 5 weeks. You have 6 months of access to the online self-paced course.

    Refund Policy: A refund is proportional to the number of classes you have taken, minus the non-refundable cost of textbooks and a $150 cancellation fee.

    Pass or Don’t Pay: AREI will pay the cost of your license test fee if you need to retake the license exam, as long as you’ve finished your coursework and the test quiz.

    Exam Prep: test prep comes in the form of a classroom-style course, includes practice questions, and access to instructor support to review questions.

    Student Support: Online students have access to instructor support via chat, phone, and email during the week. In-class and livestream students have access to instructor support in real-time during class.

    Final Exam: Online or in-person final course exam. An test proctor is not required to complete your prelicensing final test by the state of Colorado.

  • Methodology: How they choose the best real estate schools in colorado

    Your trust is important to us. It’s why they work to earn it by sharing exactly how they rate the schools on their list. First, they evaluate the following must-haves:

  • Course offerings and curriculum comprehensiveness
  • Instructor quality and qualifications
  • Student support services
  • User reviews and ratings
  • Pass rates on licensing exams
  • Pricing and affordability
  • Next, they find the features that make each school stand out to prospective real estate professionals like you. You get a preview of each real estate school’s online platform and how they’ll work on your commute or alongside your busy schedule. They find ways you can save money, time, or both by finding refund policies, money-back guarantees and pass guarantees, and by offering discounted rates for their readers. They jump through all the hoops so all that’s left for you to do is sign up. 

    Frequently asked questions
  • How long does real estate school in Colorado take?

    The state of Colorado requires you to complete 168 hours of prelicensing coursework to obtain your real estate license. Once you’ve completed the coursework, you can take the state license test and you’ll become a real estate broker in Colorado.[3]

  • How much do real estate brokers make in Colorado?

    As of 2023, the average income of a real estate broker in Colorado is $99,032 per year. As a commission-based career, the sky’s the limit on your earning potential. You can expect to make less when you’re first starting out, but with persistence and a commitment to excellent client service, you can build your business. The top earners in the state earn $200,000 a year or more.[4]

  • How do I get my real estate license in Colorado?

    To get your real estate license in Colorado, follow these straightforward steps:

  • Complete 168 hours of pre-licensing education from a state-approved real estate school.
  • Schedule and pass the Colorado broker license test through Colorado’s current test provider, PSI Testing.
  • ​​Complete a Colorado and national fingerprint-based criminal background check via several options depending on your location in the U.S.[5]
  • Secure Errors & Omissions Insurance by connecting with a sponsoring broker firm, as you will be required to have to E&O insurance to work and perform real estate duties in Colorado.[6]
  • Apply for your Colorado real estate broker license online through the Department of Real Estate website.
  • Where can I find a list of approved real estae schools in Colorado?

    The Colorado Department of Real Estate provides an up-to-date list of approved real estate schools so you can find the school that best suits your needs in no time. Visit the Colorado DRE website to view a list of all approved real estate schools in Colorado.

  • What do I need for the Colorado real estate license application?

    The Colorado Department of Real Estate outlines everything you’ll need to provide when you apply for your real estate license on their website. Expect to provide the following documents and information when you’re applying for your license:

  • Proof of completion of real estate education (168-hour prelicensing coursework from an approved school).
  • Proof of completing a national and state fingerprint background check (through one of the DRE’s fingerprinting options).
  • Proof that you’ve obtained Errors & Omissions insuranc,e including details such as your policy number, effective dates and the aggregate limits.
  • How difficult is the Colorado real estate license exam?

    You can pass the Colorado real estate license test with flying colors if you’ve worked through your prelicensing coursework and studied for the exam. The license test has two parts — a national and a state portion — and consists of 154 questions. If you need to retake the exam, you can retake only the portion you failed and keep your passing score from the section you’ve passed. You have unlimited tries to retake the license exam, and your passing scores are valid for a year.

  • The full picture: the best real estate schools in Colorado

    Your exciting real estate career begins with finding the best real estate schools in Colorado. We’re here to read all the fine print so you can trust you’re choosing the best Colorado real estate school. At each step of your career, HousingWire is here to guide you with the most up-to-date real estate market news, advice from experts, product reviews — plus marketing and lead generation tools. They want to help you succeed at every stage of your career.

    Helpful links: Colorado real estate schools

    Here you’ll find helpful links to find more information on getting your real estate license in Colorado, finding approved real estate schools, and more.

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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