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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CertNexus AIP-210 : Certified Artificial Intelligence Practitioner (CAIP) exam Dumps

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Exam Number : AIP-210
Exam Name : Certified Artificial Intelligence Practitioner (CAIP)
Vendor Name : CertNexus
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CertNexus Practitioner syllabus

 

Academic Curriculum

SLU LAW administrators and faculty members are committed to supporting students planning their legal educations and careers. After students complete the core curriculum, they begin selecting upper division courses. There are multiple resources available to students as they navigate the available choices. Individual guidance is always available from administrators and faculty members. Each semester, information and advising sessions are held in large- and small-group settings to provide support and guidance to students as they select courses. Specialized advising is provided for students interested in particular areas of practice, dual degrees, concentrations and professional skills. These options are carefully balanced with individualized recommendations regarding courses that are beneficial for bar exam preparation.

Please refer to course planning for further information on degree requirements, curriculum planning and bar exam courses.


CBSE Class 11 Syllabus 2023-2024 PDFs RELEASED: get New Curriculum of All Subjects

CBSE Class 11 Syllabus 2023-24: CBSE has made available the latest senior secondary curriculum for 2023–24. Class 11th is the first year in the senior secondary curriculum where students choose a stream from Arts/ Humanities, Commerce and Science. The CBSE curriculum of all the streams reflects the nation’s shared vision of education and equips the learners with knowledge encompassing local, national, and global requirements and expectations. Now, candidates entering class 11th in the new academic year can refer to the latest CBSE Class 11 syllabus to check their course structure, course contents, any addition or removal of Topics from the curriculum, question paper design, typology of questions, project work details, and unit-wise weightage of marks.

Before diving right into the syllabus of the new academic year, let us see why and how the syllabus serves an important role in exam preparation:

Some Salient Features of the CBSE Secondary School Curriculum
  • CBSE Class 11 syllabus provides ample scope for holistic development of students.
  • Instead of  rote learning, the curriculum emphasises on constructive learning of hands- on experience.
  • CBSE curriculum also enlists teaching and exam objectives to make learning competency-based.
  • The curriculum promotes the application of knowledge and skills in real-life scenarios.
  • The syllabus is designed to keep up with the ‘Constitutional Values’ by encouraging values-based learning activities.
  • CBSE Class 11 curriculum promotes 21st Century Skills, Life Skills, Financial Literacy, Digital Literacy, Health and Wellness, Road Safety, Citizenship Education, Disaster Management and multilingualism.
  • The board also integrates innovations such as experiential, activity centred, joyful learning, Sport and Art-Integrated Learning, toy-based pedagogy, storytelling, gamification etc. with technological innovations (ICT integration) in its pedagogy.
  • The syllabus promotes inclusive practices in all educational activities.
  • In the tables given below, students can get the subject-wise syllabus PDFs of CBSE Class 11.

    Now check the remaining academic elective papers below:


    Doctor of Nursing Practice (Online + Hybrid Options)

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    DNP Core Courses (30 credits)

  • Population Health, Epidemiology & Statistical Methods (3 credits)
  • Research for Evidence-Based Practice (3 credits)
  • Scientific Inquiry and Translational Research (3 credits)
  • DNP Scholarly Project Planning and Proposal (180 PRACTICUM) (3 credits)
  • DNP Scholarly Project Implementation (180 PRACTICUM) (3 credits)
  • DNP Scholarly Project Evaluation (180 PRACTICUM) (3 credits)
  • Leadership and Evolving Health Systems (3 credits)
  • Quality Care and Health Outcomes (includes informatics) (3 credits)
  • Healthy Policy, Economics & Social Justice (3 credits)
  • Transition to APRN Role (3 credits)
  • Advanced Practice Courses (9 credits)

  • Advanced Pathophysiology (3 credits)
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  • Advanced Physiology (3 credits)
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  • Regional Anesthesia (2 credits)
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  • Pediatric Anesthesia (2 credits)
  • Obstetrical Anesthesia (2 credits)
  • Neurosurgical Anesthesia (2 credits)
  • Anesthetic Management for Common Procedures I (2 credits)
  • Anesthetic Management for Common Procedures II (2 credits)
  • Acute & Chronic Pain Management (2 credits)
  • Quality, Safety, and Access to Anesthesia Care (2 credits)
  • High Acuity /Complex Anesthetic Management (2 credits)
  • Anesthesia Specialty Clinical Courses (12 credits, minimum of 2,400 hours)

  • Anesthesia Practicum I (min 200 h) 
  • Anesthesia Practicum II (min 200 h)
  • Anesthesia Practicum III (min 600 h)
  • Anesthesia Practicum IV (min 600 h)
  • Anesthesia Practicum V (min 600 h)
  • Anesthesia Practicum VI (min 200 h)
  • Adult-Gerontology Acute Care Specialty Didactic Courses (9 credits)

  • Adult-Gerontology Acute Care Theories for Advanced Practice I (3 credits)
  • Adult-Gerontology Acute Care Theories for Advanced Practice II (3 credits)
  • Adult-Gerontology Acute Care Theories for Advanced Practice III (3 credits)
  • Adult-Gerontology Acute Care Clinical Courses (3 credits, minimum of 750 hours)

  • Adult-Gerontology Acute Care Practicum I (1 credit)
  • Adult-Gerontology Acute Care Practicum II (1 credit)
  • Adult-Gerontology Acute Care Practicum III (1 credit)
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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