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 AIE02?

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Blue-Prism AIE02 : Blue Prism Installation Engineer ACTUAL EXAM QUESTIONS

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Exam Number : AIE02
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LEGO Fortnite download & Install Size

Epic Games has once again changed the game with Fortnite’s brand new LEGO mode. This is essentially a new game mode that allows players to take a break from the tried and true battle royale formula. If you’re wondering what the LEGO Fortnite download and install size is, here’s what you need to know.

The good news is that the download and install size for the LEGO Fortnite Mode isn’t all that big. Here are the download sizes for each platform:

  • PC: 3.65GB
  • PS5: 2.3GB
  • Xbox: 2.97GB
  • Now the game has been out for almost a week, you can dive straight in to download and install LEGO Fortnite.

    LEGO Fortnite Mode comes with new LEGO minifig skins that you can play around with. All you have to do is equip one of your available skins, then launch LEGO Mode to play with a minifig version of it, or sign up for the LEGO Insiders program to get a free Emilie the Explorer skin. In addition to that, the minifig characters can use many existing emotes you’ve unlocked in the base game as well.

    LEGO Mode is a huge departure from the regular battle royale mode, allowing you to enjoy crafting, building, and other PvE elements, similar to games like Minecraft and Dragon Quest Builders. And that’s the download and install size for LEGO Fortnite. Be sure to search Twinfinite for more tips and information on the game.

    About the author Zhiqing Wan

    Zhiqing is the Reviews Editor for Twinfinite, and a History graduate from Singapore. She's been in the games media industry for nine years, trawling through showfloors, conferences, and spending a ridiculous amount of time making in-depth spreadsheets for min-max-y RPGs. When she's not singing the praises of Amazon's Kindle as the greatest technological invention of the past two decades, you can probably find her in a FromSoft rabbit hole.

    MPPSC Prelims Syllabus 2023, PDF Download

    MPPSC Syllabus 2023: The Madhya Pradesh Public Service Commission (MPPSC) syllabus consists of the History of MP & India, the Geography of MP & India, the constitutional system, science & technology and general aptitude. download the MPSC Prelims Syllabus PDF and test Pattern here. All interested and eligible aspirants for MPPSC should download the latest MPPSC syllabus and test pattern and align their preparation accordingly.

    Apart from the MPPSC syllabus, candidates should be well-acquainted with the MPPSC test pattern to understand the test format, number of sections, total marks, and marking scheme prescribed by the commission. As per the test expert analysis, it is reported that the questions asked in the MPPSC prelims test are usually moderate in nature. Hence, aspirants must be familiar with the MPPSC State Service test Syllabus and create a list of courses based on their marks weightage and difficulty level.

    In this blog, a detailed MPPSC Prelims Syllabus PDF is compiled, including the MPPSC Prelims test pattern, preparation strategy, and list of important books.

    MPPSC Prelims Syllabus 2023

    Here is the major overview of the MPPSC Prelims syllabus and test pattern tabulated below for the reference of the candidates aspiring for the upcoming civil service exam.

    MPPSC Prelims Syllabus 2023

    Exam Conducting Body

    Madhya Pradesh Public Service Commission

    Exam Name

    State Service test 2023


    MPPSC Prelims Syllabus and test Pattern 2023

    Selection Process

    Prelims, Mains, and Interview

    Maximum Marks



    2 hours for each paper

    Negative Marking

    No negative marking

    MPPSC Prelims Syllabus 2023 PDF

    Candidates must download the MPPSC Prelims Syllabus PDF from the links shared below to learn about the courses that need priority in the preparation. Get the direct link to download the MPPSC Syllabus 2023 PDF for the preliminary exam.

    MPPSC Prelims Syllabus 2023-Important Topics

    The MPPSC Prelims Syllabus PDF is divided into two papers, i.e., General Studies and General Aptitude Test. Both papers comprise objective-type questions, each carrying 200 marks. Check the topic-wise MPPSC Prelims Syllabus 2023 for all the sections below.

    MPPSC Prelims Syllabus 2023 for General Studies

    The MPPSC General Studies Syllabus PDF is divided into various sections, such as the history of MP & India, the Geography of MP, India, and the World, the constitutional system, science & technology, information and communication technology, etc. Check the detailed MPPSC Prelims Syllabus 2023 for General Studies below.

    MPPSC Prelims Syllabus 2023 for General Studies



    History, Culture, and Literature of Madhya Pradesh

    Contribution of Madhya Pradesh to the freedom movement.

    Major-arts and Sculpture of Madhya Pradesh.

    Major Tribes and Dialect of Madhya Pradesh.

    Major festivals, Polk music, Folk arts and folk literature of Madhya Pradesh.

    Important Literator of Madhya Pradesh and their literature.

    Religious and tourist places of Madhya Pradesh.

    History of India

    Major features, Events, and administrative, Social, and Economic Systems of Ancient and Medieval India.

    Social and Religious reform movements in the 19th and 20th century.

    Independence Struggle and Indian National Movement for Freedom

    Integration and Reorganization of India after Independence.

    Geography of Madhya Pradesh

    Forest, Forest Produce, Wildlife. Rivers, Mountains and Mountain ranges of Madhya Pradesh.

    Climate of Madhya Pradesh.

    Natural and Mineral Resources of Madhya Pradesh.

    Transports in Madhya Pradesh.

    Major Irrigation and Electrical Projects in Madhya Pradesh.

    Agriculture, Animal husbandry, and Agriculture based industries in Madhya Pradesh.

    Geography of World and India

    Physical Geography Physical features and Natural regions.

    Natural Resources: Forest, Mineral resources, Water, Agriculture, Wildlife, National Parks/Sanctuaries/Safari.

    Social Geography:- Population related, demography (Population growth, Sex Ratio, Literacy, and Economic activities)

    Economic Geography: Natural and Human resources (Industry; Modes of Transport)

    Continents/Countries/Oceans/Rivers/Mountains of the world.

    Conventional and Non-Conventional Energy Resources.

    Constitutional System of Madhya Pradesh

    Constitutional System of Madhya Pradesh (Governor, Council of Ministers, Legislative Assembly, High Court)

    Three Tier System of Panchayati Raj and Urban Administration in Madhya Pradesh

    Economy of Madhya Pradesh

    Demography and Census of Madhya Pradesh

    Economic Development of Madhya Pradesh

    Major Industries of Madhya Pradesh, etc.

    Constitution, Government, and Economy of India

    Government India Act 1919 and 1935.

    Constituent Assembly.

    Union Executive, President and Parliament.

    Fundamental Rights and Duties of the Citizens and Directive Principles of State Policy.

    Constitutional Amendments.

    Supreme Court and Judicial System.

    Indian Economy, Industrial Development and Foreign Trade, Import and Export.

    Financial Institutions- Reserve Bank of India, Nationalised Banks, Security and Exchange Board of India (SEBI), National Stock Exchange (NSE), Non-Banking Financial Institutions.

    Science and Technology

    Basic Principles of Science.

    Important Indian Scientific Research Institutions and their Achievements, Satellite and Space Technology.

    Environment and Biodiversity.

    Ecological System.

    Nutrition, Food and Nutrient.

    Human Body.

    Agricultural Product Technology.

    Food Processing.

    Health Policy and Programmes.

    Pollution, Natural Disasters and Management.

    Current International and National Affairs

    Important Personalities and Places.

    Major Events.

    Important Sports Institutes, Sports Competitions and Awards of India and Madhya Pradesh.

    Information and Communication Technology

    Electronics, Information and Communication Technology.

    Robotics, Artificial Intelligence and Cyber Security.


    Internet and Social Networking Sites.


    National and Regional Constitutional/Statutory Bodies

    Election Commission of India.

    State Election Commission.

    Union Public Service Commission.

    Madhya Pradesh Public Service Commission.

    Comptroller and Auditor General.

    NITI Aayog.

    Human Rights Commission.

    Women Commission.

    Child Protection Commission.

    Scheduled Castes and Scheduled Tribes Commission.

    Backward class Commission.

    Information Commission.

    Vigilance Commission.

    National Green Tribunal.

    Food Preservation Commission etc.

    MPPSC Prelims Syllabus 2023 for General Aptitude Test

    The MPPSC General Aptitude Test Syllabus PDF is divided into various sections, such as comprehension, logical reasoning & analytical ability, general mental ability, basic numeracy, decision making, etc. Check the detailed MPPSC Prelims Syllabus 2023 for the General Aptitude Test below.

  • Comprehension.
  • Interpersonal skills including communication skills.
  • Logical reasoning and analytical ability.
  • Decision-making and problem-solving.
  • General mental ability.
  • Basic numeracy (number and their relations, order of magnitude, etc-Class X level). Data Interpretation (charts, graphs, table, data, sufficiency, etc-Class X level).
  • Hindi Language Comprehension Skill (Class X level).
  • MPPSC Prelims test Pattern 2023

    The MPPSC prelims examination consists of two papers i.e. General Studies and General Aptitude test and each paper will be of 2 hours of duration. Check the details below for the MPPSC prelims test pattern 

  • The MPPSC Prelims test comprises objective-type multiple-choice questions.
  • There are two papers in the MPPSC state service prelims test pattern i.e., General Studies and General Aptitude Test.
  • The test duration for each paper shall be 2 hours.
  • There shall be no negative marking for incorrect answers in the MPPSC Prelims exam.
  • MPPSC Prelims test Pattern 2023


    Maximum Marks


    General Studies


    2 hours

    General Aptitude Test


    2 hours

    How to Cover MPPSC Prelims Syllabus 2023?

    MPPSC State Service test is one of the most popular competitive exams in Madhya Pradesh. Many candidates apply for this prelims exam, but only a few can ace it with a well-planned strategy and the use of the right study material. Hence, analyzing the MPPSC syllabus is crucial to cover all the courses and their sub-topics. Here are the expert-recommended tips and tricks to crack the MPPSC State Service test 2023.

  • Check the MPPSC Prelims syllabus and test pattern carefully and prioritize higher-weightage courses in the study plan.
  • Get your hands on the best MPPSC prelims books and study materials to build conceptual clarity and learn core courses in a clear and defined manner.
  • Attempt mock tests and MPPSC previous year's question papers to get insights into the nature and difficulty level of courses asked in the exam.
  • Revise all the courses regularly to avoid forgetting any important concept on the test day.
  • Best Books to Cover MPPSC Prelims Syllabus 2023

    Candidates should pick the finest MPPSC prelims books based on the revised test requirements, trends, and format. This will help them to build a strong grip on the courses specified in the MPPSC Prelims Syllabus PDF. Check the expert-recommended MPPSC Prelims Syllabus PDF below.

  • Indian Polity (4 & 5edition) by M. Laxmikant
  • Madhya Pradesh Ek Parichaya by McGraw Hill Publication
  • Fast track objective Arithmetic by Rajesh Verma
  • Spectrum for Modern Indian History by Rajiv Ahir
  • Quantitative Aptitude for competitive test by RS Agarwal
  • A new approach to reasoning verbal, non-verbal & Analytical by Arihant Publication
  • Indian Yearbook by GOI Publication
  • An Introduction to Madhya Pradesh General Knowledge by Sonali Bansal
  • Also Read,

    The Migraine And Headache Program PDF Reviews: Blue Heron Christian Goodman Program Download

    If you are facing severe migraines or headaches, then sure, the Migraine and Headache Program is the best choice. Through this program, you can find the remedy for fighting against such health issues.

    In general, migraine and headache problems are extremely common these days. Around 45 million Americans suffer from this health issue every year. The common reasons for this health issue include bright lights, stress, certain smells, changes in weather, and loud noises. Check out The Migraine and Headache Program reviews further and gather more ideas.

    There is no direct cure for headaches and migraines, but some possible things can reduce the severity of such issues. Resting and relaxing the whole day can help reduce your stress level effectively.

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    The Migraine and Headache Program: What is it?

    Christian Goodman developed the complete treatment program known as the Migraine and Headache Program. Christian Goodman is a reputed professional in the migraine and headache management fields. Through this program, both acute and chronic sufferers of headaches and migraines can get complete relief.

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    The Migraine and Headache Program is the official step-by-step guide that lets you learn how to overcome the health issue via breathing techniques and simple exercises. According to the principle, headaches and migraines are caused by tension in the neck, jaw, and head muscles.

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    How can it benefit for people?

    You can explore more benefits through the Migraine and Headache Program. Those benefits are:

    The major benefits of this migraine and headache program are that it is perfectly suitable for all kinds of headaches and migraines. If you suffer from occasional chronic migraines or tension headaches, you can get relief with the help of this program.

    The Migraine and Headache Program has very easy steps to follow since it is very simple. It is specially designed to help those suffering from headaches and migraines. With this program, people can get the necessary ability to find and eradicate their trigger foods and the causes of headaches.

    The program offers techniques and tips to manage pain and stress, which can contribute more to these health issues.

    It is a revolutionary and new treatment for migraines and headaches that never depends on medication. Instead, it combines dietary changes, lifestyle adjustments, and relaxation techniques to give better relief. It is 100% natural, and it does not have any side effects. Hence, you can trust this program in every instance.

    The most effective benefits of this ultimate program include natural methods like massage, acupuncture, and relaxation techniques. It can help you enhance blood flow and reduce tension, which may lead to reduced pain.

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    Migraine and Headache Program

    Migraine and Headache Program

    Why is it so effective compared to other programs?

    The Migraine and Headache Program is effective since it is uniquely designed to address the major causes of headaches and migraines. It is not like other medications that can treat only the symptoms. It is the program that can effectively target the major cause of the condition and help you overcome everything.

    The Migraine and Headache Program can easily avoid the things that trigger headaches and migraines; hence, you can easily overcome the health issue from that point. It also consists of more interesting stretches and exercises that help relieve tension and pain.

    The combination of the major approaches can effectively make this program manage headaches and migraines.

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    Components are included in this digital program

    The Migraine and Headache Program guide consists of everything that is needed to tackle all the triggers of migraines effectively. Then the program suggests some effective method to find the physical, emotional, dietary, or environmental events that can set the migraine in motion.

    Then this Migraine and Headache Program eBook consists of some effective advice that deals with and spots such triggers. The users of the eBook have reviewed that this program can help them a lot to find all major triggers, mostly stress and posture.

    Christian Goodman suggests some effective tools that are used to reduce the migraine effect, apart from these methods.

  • The Balancing Techniques 
  • Generally, proper breathing is very important for overall well-being and health, but most people do not breathe properly. The diaphragm plays a major role in breathing. It is a muscle located at the complete base of the lungs. If your diaphragm is restricted, it may lead to a decreased blood level and shallow breathing.

    It includes a complete series of body balance exercises that can solve serious issues in the diaphragm. The program helps to operate it more effectively without any additional trouble. Finally, these exercises can easily enhance the oxygenation of the blood and offer relief from migraines and headaches.

  • Simple Breathing Techniques
  • The next component of the program includes a simple breathing technique. Generally, breathing is a major part of managing stress and can help you reduce the intensity of migraines and headaches.

    The major goal of the breathing exercises in this program is to help you breathe more slowly and deeply. After that, you can thoroughly relax your mind and body. You can do the exercise anywhere, and it is very easy to follow, which makes it ideal for busy people who suffer from such health-related issues.

    The breathing exercise is an essential part of this program. It can help you spread the oxygen in the brain evenly. It can finally help you reduce the headache’s complete intensity to the next level. These exercises can help you relax your whole muscles in the shoulders and neck, which can greatly reduce headaches.

    The next component of the program is a series of head-muscle exercises. Those exercises are perfectly designed to strengthen the muscle that supports the neck and head and Excellerate the range and flexibility of the motion. Such exercises can also reduce stress and enhance posture to the next level.

    If you want to reduce the intensity and frequency of your migraines, start using this program right now. The major components of this program are the complete series of neck exercises. By practicing these exercises, you can strengthen and stretch your neck muscles, which can trigger migraines.

  • Breathing Exercises to Remove Tension 
  • The breathing exercise can help you remove tension from the body by encouraging slow, deep breathing. Such kind of breathing can help you easily relieve tension headaches and relax your muscles. The breathing exercise can also reduce stress levels and enhance blood circulation. It is the most effective way to manage overall pain and reduce the severity and frequency of headaches and migraines.

    You can also find some secret exercises when you buy this program.

    ⇒ Visit the Official Website of Migraine and Headache Program

    Who should use this program?

    Blue Heron Health News has designed the Migraine and Headache program for people suffering from headaches and migraines. People can regularly use such programs and uniquely explore their benefits. When you have this health issue regularly, prepare to take this program today.

    When you get this kind of problem at least once a week, use this program to reduce the severity and frequency of the symptoms. The program includes various techniques and exercises that are proven effective in reducing headaches and migraines to the next level.

    The Migraine and Headache Program offers a step-by-step guide that makes it simple to follow the exercises and find results. People who want to reduce such a program, and then you can start using this program today and get 100% successful results.

    What are the pros and cons?


  • The program is readily accessible and available due to its digital version
  • Address the major cause of the health issue
  • It consists of only natural approaches via physical and digital copies
  • 100% money-back guarantee
  • more affordable than other supplements and programs
  • There are no negative effects
  • Cons:

  • We need more consistency to maintain a good result
  • I cannot find the product on popular e-commerce platforms
  • ⇒ Visit the Official Website of Migraine and Headache Program

    Is the Migraine and Headache Program legit?

    According to the Migraine and Headache Program customer reviews, testimonials, and reports, the program seems to be very legit, and it does not cause any serious issues. It is already common knowledge that Christian Goodman, the CEO of Blue Heron Health News, published and created the program.

    Blue Heron is the most authentic health forum, with more years of experience in the field. Then the creator also offers a 100% satisfaction guarantee for people who are not satisfied with the result of this program. The creator is very confident about these results, and hence he offers the money-back option.

    Pricing of this program

    You can get the component of this program for $49, which is less than the doctor’s fee. Through this program, you can easily relieve migraines without depending on medication. The purchase of the headache program is completely risk-free.

    Conclusion: Migraine And Headache Program Reviews

    From the above-mentioned scenario, you now have a complete idea of the migraine and headache program reviews. The program is a great success. Patients have reported major reductions in the severity and frequency of migraines, and many can discontinue medication usage effectively.

    The program also helped a greater number of patients to avoid and identify triggers and to develop many healthy coping mechanisms. The program is very helpful in managing headaches and migraines, and I am very pleased with the great result.

    ⇒ Visit the Official Website of Migraine and Headache Program

    Affiliate Disclosure: The links contained in this product review may result in a small commission if you opt to purchase the product recommended at no additional cost to you


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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