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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Vendor Name : Arizona-Education
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AEPA exam Format | AEPA Course Contents | AEPA Course Outline | AEPA exam Syllabus | AEPA exam Objectives

Title: Arizona Educator Proficiency Assessments (AEPA)

Test Detail:
The Arizona Educator Proficiency Assessments (AEPA) is a series of exams designed to measure the knowledge and skills of prospective educators in Arizona. These exams are used to ensure that candidates meet the state's standards for teacher licensure and certification. The AEPA exams cover a wide range of subjects and grade levels, allowing candidates to demonstrate their proficiency in specific content areas.

Course Outline:
The AEPA exams cover various subject areas and grade levels, depending on the specific certification sought by the candidate. The following is a general outline of the key areas covered in the AEPA exams:

1. Test Preparation:
- Understanding the structure and format of the AEPA exams
- Reviewing test-taking strategies and tips
- Familiarizing with the exam objectives and content domains
- Accessing study materials and resources

2. Subject-Specific Content:
- Reviewing subject-specific knowledge and skills
- Understanding the Arizona Academic Standards for the subject area
- Demonstrating proficiency in the key concepts, theories, and practices
- Applying content knowledge to real-world scenarios

3. Pedagogy and Professional Responsibilities:
- Understanding effective instructional strategies and practices
- Demonstrating knowledge of student development and learning theories
- Assessing student performance and providing feedback
- Understanding legal and ethical responsibilities of educators

4. Classroom Management and Communication:
- Creating a positive and inclusive learning environment
- Managing classroom behavior and promoting student engagement
- Communicating effectively with students, parents, and colleagues
- Utilizing technology and resources for instruction and communication

Exam Objectives:
The specific exam objectives for each AEPA exam vary based on the subject and grade level being tested. However, the general objectives of the AEPA exams include, but are not limited to:

1. Demonstrating knowledge and understanding of subject-specific content.
2. Applying pedagogical practices and strategies for effective teaching.
3. Assessing student learning and providing appropriate feedback.
4. Managing the classroom and promoting a positive learning environment.
5. Complying with professional responsibilities and ethical guidelines.

The AEPA exams cover a broad range of subjects and grade levels, each with its own syllabus and content domains. The syllabus provides a breakdown of the Topics covered in each exam, including specific content areas and associated competencies. It may include the following components:

- Test structure and format
- Content domains and weighting
- Key concepts, theories, and practices
- Instructional strategies and pedagogical knowledge
- Classroom management and communication skills
- Professional responsibilities and ethical guidelines

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Arizona-Education Assessments study tips


Arizona Now Has A Universal School Voucher Program. Who Really Benefits From It?

Here. Go buy a couple of slices oif education.


Arizona was the first state to implement the type of school vouchers known as education savings accounts. In an ESA, the family is given a stack of public tax dollars to spend on educating their child.

These vouchers were originally targeted at students attending public schools with a D or F grade from the state, students with special needs, and children of active military, as well as some other narrow qualifications. This summer, Arizona expanded those eligibility requirements to include every student in the state.

That trajectory for school choice policy is not unusual. It’s typical for choice supporters to get a foot in the door by aiming the policies at students in “failing” schools or with special needs. Now that the application period for the universal vouchers is over, a picture of who will be served by them can emerge. A new analysis by the Grand Canyon Institute, a “centrist think tank” in Arizona, finds that the new system is no longer focused on helping poor students escape “failing” schools.

Says GCI, “These vouchers primarily benefit wealthier households.” GCI found that no zip codes with a median income above $80,000 (well above the state median income) have schools receiving a D or F grade from the state. Those wealthier zip codes account for 45% of universal ESA applicants. Those zip codes that do include one “failing” high school or two “failing” k-8 schools only account for 3.5% of the universal ESA applicants.

80% of universal ESA applicants are not in public schools. That means one of two things must happen. Either the state must come up with additional funding (about $177 million in GCI’s estimate), or school districts will send funding to “follow” those students, even though the reduction in costs for the district will be $0.

Arizona already has “extensive subsidy programs” for private schools. A tax credit scholarship program allows corporations and private individuals to make contributions to scholarship funds in lieu of tax payment; in 2021 that meant that $250 went to private schools instead of the state coffers. Those contributions are funneled through a number of scholarship organizations (the two biggest such organizations in Arizona are the Arizona Christian School Tuition Organization and Catholic Education Arizona).

The original ESA program looks to cost around $190 million. GCI estimates that universal ESAs will add another $180 million, so that Arizona taxpayers will, directly or indirectly, subsidize private schools for around $600 million.

What taxpayers get for that money is not entirely clear. A voucher of roughly $7,000 is of limited use in a state where the average private school tuition is over $10,000, and private schools retain the right to accept or reject students as they choose.

While charter schools in Arizona are required to do audits and follow state curriculum requirements, recipients of voucher money don’t have those kinds of requirements. Dave Wells, research director of GCI, notes that private schools are free to discriminate and follow whatever academic program they prefer.

The low level of accountability and oversight for how that $600 million is spent is a cause for concern. Wells argues that “the legislation has little concern for how effectively these schools are educating students.”

The Arizona Education Association noted in April that Arizona is near the bottom of the states when comparing education funding to the state’s economy, as well as trailing in teacher salary and per pupil spending. Governor Doug Ducey’s 2021 budget touted a big investment in education, though much of that investment was in charter schools and vouchers, rather than public education.

Has Arizona Gov. Katie Hobbs mastered divided government? This year will test her skills

No result found, try new keyword!Gov. Katie Hobbs' first year included growing pains, a single-year veto record and numerous battles with Republican legislative leaders. What's next?

This Arizona county is 'most at risk' of Christmas day break-ins, study finds

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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