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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ASIS ASIS-APP : Associate Protection Professional exam Dumps

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Latest 2023 Updated ASIS Associate Protection Professional Syllabus
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Exam Number : ASIS-APP
Exam Name : Associate Protection Professional
Vendor Name : ASIS
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ASIS-APP exam Format | ASIS-APP Course Contents | ASIS-APP Course Outline | ASIS-APP exam Syllabus | ASIS-APP exam Objectives

Exam Specification:

- exam Name: ASIS-APP Associate Protection Professional
- exam Code: ASIS-APP
- exam Duration: 2 hours
- exam Format: Multiple-choice questions
- Passing Score: Determined by ASIS International

Course Outline:

1. Security Principles and Practices
- Security theories and concepts
- Risk management principles
- Security program development and implementation
- Security laws, regulations, and ethics

2. Physical Security
- Facility security planning and design
- Access control systems and techniques
- Security lighting and surveillance systems
- Security guarding and patrols

3. Investigations
- Investigation process and techniques
- Interviewing and interrogation techniques
- Evidence collection and preservation
- Incident reporting and documentation

4. Crisis Management
- Emergency response planning and procedures
- Business continuity planning
- Crisis communication and media relations
- Critical incident stress management

5. Personnel Security
- Background screening and employment vetting
- Employee training and awareness programs
- Workplace violence prevention and response
- Insider threat management

6. Information Security
- Information security principles and practices
- Cybersecurity threats and countermeasures
- Security of physical and digital assets
- Data privacy and protection

Exam Objectives:

1. Understand foundational security principles and practices.
2. Apply risk management concepts to security programs.
3. Demonstrate knowledge of physical security planning and techniques.
4. Conduct effective security investigations.
5. Develop and implement crisis management and emergency response plans.
6. Apply personnel security measures and best practices.
7. Understand information security principles and safeguarding techniques.

Exam Syllabus:

The exam syllabus covers the following courses (but is not limited to):

- Security Principles and Practices: security theories, risk management, security program development
- Physical Security: facility security planning, access control systems, security lighting
- Investigations: investigation process, interviewing techniques, evidence collection
- Crisis Management: emergency response planning, business continuity, crisis communication
- Personnel Security: background screening, workplace violence prevention, insider threat management
- Information Security: information security principles, cybersecurity threats, data privacy


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ASIS Professional Real exam Questions

 

Prepare for the CCST Exam

  • The correct answer is D, A/D converter. A digital controller requires a digital signal as its input. A 4-20 mA transmitter outputs an analog signal. Therefore, a device to convert an analog (A) signal to a digital (D) is required. This class of device is referred to as an A/D converter.

    An I/P transducer is used to convert an analog current (I) signal to a pneumatic (P) signal, as for actuation of final control elements. A P/I transducer is used to convert a pneumatic signal (P) to an analog current (I) signal, as for a pneumatic transmitter in a programmable logic controller loop. A DP transmitter is a differential pressure transmitter, which can output a pneumatic, an analog, or a digital signal, depending on the model of transmitter used.

    Reference: Goettsche, L.D. (Editor), Maintenance of Instruments and Systems, Second Edition, ISA, 2005.

  • The correct answer is C, "sample conditioning system." Answers A and C are items not generally associated with extractive field analyzers. Capillary tubes are used for collecting small samples (water, for instance) from a larger container. There are special capillary tubes that can be used in the analyzer chamber of a gas chromatograph, but they are not constructed from glass. Smooth-walled pipe is important for reducing friction losses in piping systems.

    A sample probe calibration system is important to the overall function and maintenance of an extractive field analyzer. However, these systems are not used to prepare the sample for analysis, but rather to provide a mechanism to verify and maintain analyzer performance.

    A sample conditioning system can contain devices, such as filters, demisters, flow regulators, and heaters. sample conditioning systems are used to bring the sample to the ideal process conditions for accurate measurement in the analyzer itself. The sample conditioning system can be a key maintenance item in an analyzer system, since each device needs to be calibrated, cleaned, etc.

    Reference: Goettsche, L.D. (Editor), Maintenance of Instruments and Systems, Second Edition, ISA, 2005.

  • The correct answer is B, "equal to." In order for air to be discharged from the end of a bubbler purge tube, the air pressure in the tube must be equal to (or higher than) the pressure exerted by the liquid head in the tank.

    As the tank level is decreased, the liquid head pressure at the tip of the purge tube decreases, and more bubbles per unit of time can escape. The corresponding reduction in pressure in the purge tube is proportional to the level in the tank. Therefore, the point at which the liquid head pressure and the purge tube pressure are equal is the highest level (URV = 100%) that the device will measure.

    Reference: Goettsche, L.D. (Editor), Maintenance of Instruments and Systems, Second Edition, ISA, 2005.

  • The correct answer is A, "51 K ohms ± 5%."

    The four-color band coding is:Color    Value    MultiplierBlack    0    1Brown    1    10Red    2    100Orange    3    1000Yellow    4    10 KGreen    5    100KBlue    6    1 MViolet    7    10 MGray    8     White    9     Gold    ± 5%    0.1Silver    ± 10%    0.01

    So a resistor with four bands, green-brown-orange-gold, has a value of: 5 1 x 1000 ± 5% or 51 KΩ.

    Reference: Goettsche, L.D. (Editor), Maintenance of Instruments and Systems, Second Edition, ISA, 2005.

  • The correct answer is D, series and energized. To measure current, you must connect the two leads of the ammeter in the circuit so that the current flows through the ammeter. In other words, the ammeter must become a part of the circuit itself. The only way to measure the current flowing through a simple circuit is to insert your ammeter into the circuit (in series) with the circuit energized.

    Reference: Goettsche, L.D. (Editor), Maintenance of Instruments and Systems, Second Edition, ISA, 2005.

  • The correct answer is A; it prevents the formation of a second temperature measurement junction.

    A thermocouple measurement junction is formed wherever two dissimilar metals are joined. KX-type thermocouple extension wire is made of the same metals as the K-type thermocouple (chromel and alumel). When extending the thermocouple leads with an extension wire back to the control system input card, KX thermocouple extension wire must be used, and the chromel wire and the alumel wire must be joined to the wire of the same metal in the extension cable. If JX or another type of extension wire is used, another measurement junction is formed. For instance, if JX extension cable is used in the example in this problem, the point where the iron and chromel wires are joined would form another thermocouple. This will negatively affect the intended measurement signal. Proper installation of thermocouple extension wires also requires special terminal blocks to prevent additional junctions from being formed.

    Reference: Goettsche, L.D. (Editor), Maintenance of Instruments and Systems, Second Edition, ISA, 2005.

  • The correct answer is B, "hydraulic actuation." Although many pneumatic actuators can provide a large force, they require either a large diaphragm area (in the case of a diaphragm actuator) or a large cylinder (in the case of a rack and pinion actuator).

    Hydraulic actuators are driven by a high-pressure fluid (up to 4,000 psig) that can be delivered to the actuator by a pump that is remote from the actuator itself. Hydraulic cylinders can deliver up to 25 times more force than a pneumatic cylinder of the same size.

    Manual actuation is accomplished by turning a valve handle, and is limited to the amount of force that an operator can exert on the lever or hand wheel.

    Electric actuation delivers high torques for rotary-style valves, but electric actuators tend to be large and heavy compared to hydraulic actuators.

    Reference: Goettsche, L.D. (Editor), Maintenance of Instruments and Systems, Second Edition, ISA, 2005.

  • The correct answer is D; they measure pressure by sensing the deflection of the diaphragm. For most pressure applications, changes in pressure are detected by the change in deflection of a measuring diaphragm.

    The deflection is converted into an electrical signal (voltage) by a piezoelectric or capacitance device. The small electrical current is converted to a standard signal (e.g., 4-20 mA or a digital signal) by a transmitter. Therefore, answer B is not correct.

    Answer A is not correct, because pressure sensors can measure very small pressure changes (inches of water) and in some cases, millimeters of water.

    Pressure measurement devices are not affected by volume, since they are measuring force over an area only. Many pressure sensors are sensitive to temperature (capillary tubes are filled with fluids that can expand with temperature). Therefore, answer C is not correct.

    Reference: Goettsche, L.D. (Editor), Maintenance of Instruments and Systems, Second Edition, ISA, 2005.

  • The correct answer is C, "Gather information about the problem." Once a problem is identified, data must be gathered and analyzed to determine a viable set of potential actions and solutions.

    The logical analysis troubleshooting method consists of (in order):1. Identify and define the problem.2. Gather information about the problem.3. Evaluate the information/data.4. Propose a solution or develop a test.5. Implement the solution or conduct the test.6. Evaluate the results of the solution or test.7. If the problem is not resolved, reiterate until the problem is found and resolved.8. If the problem is resolved: document, store/file, and send to the appropriate department for follow up if required.

    Reference: Goettsche, L.D. (Editor), Maintenance of Instruments and Systems, Second Edition, ISA, 2005.

  • The correct answer is B, “location, elevation, and tag number.” Instrument location plans are most often used to support new plant installations and provide the installer information about the genuine physical location of the installation of an instrument, the elevation of installation (at grade, on a platform, at what height on a process line, etc.), and the tag number of the instrument to be installed.

    Specification numbers (part of answers C and D) are usually indicated on instrument lists and instrument installation details. Wiring plans (part of answer A) are typically shown on conduit and wiring schedules or cabling diagrams. Although these details are useful in the installation of a plant, they are not part of the instrument installation plans.

    Reference: Goettsche, L.D. (Editor), Maintenance of Instruments and Systems, Second Edition, ISA, 2005.


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    Real Estate Careers and Their Designations

    Whether you are an entrepreneur or plan to work for an established company, the real estate industry offers a variety of career opportunities, including those dealing with residential sales and leasing, commercial properties, industrial properties, and farmland, as well as property management appraisal, and counseling.

    Here are 5 real estate career paths in the industry and their respective professional designations and certifications.

    Key Takeaways
  • Real estate professionals can work in different capacities, such as leasing consultants, commercial property agents, appraisers, and property managers.
  • Real estate can be a highly competitive field, and certifications and designations may help you stand out.
  • Different functions within the real estate industry offer professionals various designations and certifications.
  • For residential real estate, professionals can earn the Accredited Buyer's Representative (ABR) designation, awarded by the Real Estate Buyer's Agent Council (REBAC) of the National Association of REALTORS.
  • Real estate appraisers can earn the Residential Accredited Appraiser (RAA) and General Accredited Appraiser (GAA) designations, awarded by the National Association of REALTORS.
    • All About Real Estate Agents and What They Do Residential Real Estate

    Residential real estate agents help people throughout the process of buying and selling homes. In addition to showing homes to prospective buyers, agents help clients with property valuation, financing, mortgages, and government programs. Agents and brokers must be licensed in the state they practice as there is no national license. Each state has a licensing system and requirements that include some pre-licensing and state-specific licensing examinations.

    Designations and Certifications

    Accredited Buyer's Representative (ABR): Awarded by the Real Estate Buyer's Agent Council of the National Association of REALTORS (REBAC), the ABR designation is designed for real estate agents who focus on working directly with buyer-clients. Candidates must complete a two-day course and successfully pass an exam to achieve the ARB candidate status. Within the following three years, candidates fulfill experience and continuing education requirements before becoming an ABR Designee.

    Accredited Seller Representative (ASR): Awarded by the Accredited Seller Agency Council, the ASR designation is designed for real estate agents who focus on working directly with seller-clients. Candidates must complete a 12-hour course, pass an exam, show proof of five closed sides of transactions where the candidate represented sellers, provide three letters of recommendation from three of those sellers, and be members of the National Association of REALTORS. 

    Commercial Real Estate

    Commercial agents and brokers specialize in income-producing properties, such as retail stores, shopping centers, office buildings, industrial parks, and apartment complexes. Commercial real estate professionals help clients evaluate a property's income potential and offer guidance regarding local zoning and tax laws. Some states require a specialized license for commercial transactions, while others cover residential and commercial transactions under the same license.

    Designations and Certifications

    Certified Commercial Investment Member (CCIM): The CCIM designation is awarded by the CCIM Institute, an affiliate of the National Association of REALTORS. CCIM candidates must complete a curriculum that includes ethics, interest-based negotiation, financial analysis, market analysis, user decision analysis, and investment analysis for commercial investment real estate. Also, candidates must submit a portfolio that demonstrates their commercial real estate experience and complete an examination.

    Certified Commercial Real Estate Advisor (CCREA): The CCREA designation is awarded by the National Association of Commercial Real Estate Professionals. CCREA candidates must complete a curriculum that includes multifamily asset-class analysis, cash flow, equity projection and analysis, loan analysis and procurement, commercial foreclosure and short sale strategies, financial analysis, and negotiation. The CCREA designation is awarded to candidates who complete a comprehensive three-day live course and examination. 

    If you are interested in the real estate industry, learn what types of licenses your state requires for you to work in the field. Most jobs from agent to property manager require a state-issued license to operate legally.

    Property Management

    Property managers maintain properties that produce financial returns for the property owners and are responsible for maintaining and managing the property, including budgeting and leasing. Residential property management involves apartment buildings, condominiums, and vacation rentals.

    Commercial property management entails properties such as office buildings and shopping centers. Property managers often work for real estate firms. Most states require a real estate license for property managers who collect rent, list properties, or negotiate leases.

    Those interested in learning more about the different types of property management may want to consider enrolling in one of the best property management courses currently available.

    Designations and Certifications

    Certified Property Manager (CPM): The CPM designation is awarded by the Institute of Real Estate Management (IREM). A CPM candidate must hold an active real estate license (where required), be a member of IREM, complete seven required courses (or equivalent education/experience), pass the CPM certification exam, and complete the IREM ethics education. In addition, they must submit three letters of recommendation, have three years of qualifying real estate management experience and be affiliated with the National Association of REALTORS.

    Accredited Residential Manager (ARM): The ARM certification is awarded by IREM. ARM candidates must complete a week-long course or complete four individual courses (or hold a CPM, CAM, CRM, or RAM designation or have qualifying education or experience), pass the ARM certification exam, complete IREM ethics education, and have one year of qualifying residential real estate management experience.

    Real Estate Appraisal

    Real estate appraisers determine the value of properties to help people and businesses find the assessed value for tax purposes, investment value, present value for potential investors, book value for accounting purposes, rental value, and insurable value. Appraisers must know acceptable appraisal principles, have practical experience, and some knowledge of mathematics, accounting, and economics.

    Often, appraisers work for banks or appraiser firms. Appraisers must be licensed by the state in which they work. You must first become an appraiser trainee by completing state-specified coursework. With additional coursework and experience, you can go on to become a licensed residential appraiser, a certified residential appraiser, and a certified general appraiser.

    Designations and Certifications

    Residential Accredited Appraiser (RAA) and General Accredited Appraiser (GAA): The RAA and GAA designations are awarded by the National Association of REALTORS. Candidates must be active members of the National Association of REALTORS, obtain state certification, have a minimum of 1,000 hours of experience (in addition to state requirements), and take tested coursework (45 hours for the RAA or 60 hours for the GAA).

    MAI: The MAI designation is awarded by the Appraisal Institute to appraisers who are experienced in the evaluation and valuation of commercial, industrial, and residential property and who counsel clients on real estate investments.

    MAIs must hold an undergraduate degree from a four-year accredited institution, complete 400 hours of classroom instruction, pass a series of examinations, successfully take the General Comprehensive exam (a two-day, four-part exam), and show evidence of 4,500 hours of specialized experience over at least three years.

    Real Estate Counseling

    Real estate counselors advise on property issues and help investors decide how to select properties that are likely to appreciate. Rather than selling real estate, counselors focus on each client's unique needs to offer solutions that address those needs. Counselors (also called real estate advisors) must know many facets of the real estate business. Often, real estate counselors have a background in real estate valuation, development, investing, or property management.

    Designations and Certifications

    Counselor Real Estate (CRE): The CRE designation is awarded by the Counselors of Real Estate and is available only to individuals who have been invited by their peers into membership. Through the CRE Invitation Process, candidates must show evidence of at least 10 years of real estate experience (three of which must be in counseling). In addition, they must demonstrate that they are recognized by clients and peers for their professional knowledge, integrity, and judgment.

    They must also have attained REALTOR designations such as CCIM, CPM, GRI, and SIOR and hold advanced degrees in business and related fields.

    What Are Real Estate Certifications?

    Real estate certifications prove your proficiency, knowledge, and skillset as a real estate professional. Certifications allow you to work in various real estate markets and illustrate your expertise in your particular field to potential clients.

    How Much Does It Cost to Get a Real Estate Designation?

    The cost of a real estate license varies depending on the state you live in, and other designations and certifications may run hundreds of dollars. Still, the price will depend on the type of certification. It may be possible to go to community colleges to get your real estate career underway, and that could cost anywhere from $600 to $5000 or more, depending on the school.

    Can You Get Real Estate Training and Certification Online?

    You can earn your real estate certifications online, along with necessary real estate training. However, it is worth noting that some in-person training may be necessary to complete some certifications, depending on the program.

    How Much Do Certified Real Estate Professionals Make?

    Professionals in the real estate industry earn a variety of salaries based on their job. For example, a real estate counselor's average base pay is $68,997. The average salary for a real estate appraiser is approximately $57,606, but overall salaries depend on the levels of certification.

    Depending on where they work, certified residential real estate agents can make upwards of $91,640 a year, according to Indeed.com. However, since agents work on commissions of sales, salaries can fluctuate wildly depending on numerous factors.

    What Certifications Do Real Estate Lawyers Need?

    Real estate lawyers must (obviously) have their law degree and passed the bar exam. Real estate lawyers may need special training in the area of real estate law, and most law schools offer master of laws (LLM) in real estate degrees, plus certificates in real estate.

    The Bottom Line

    The real estate industry is robust, with numerous career opportunities. This article names only a few of the many career paths currently available. Other real estate career opportunities include:

  • Construction
  • Farm and land brokerage
  • Investment
  • Land development
  • Research
  • Urban planning 

    • Real estate designations and certifications can help you increase your skills, proficiency, knowledge, and, ultimately, your marketability as a real estate professional. In addition to those listed here, there are dozens of other designations and certifications to show your experience and expertise in the various real estate sectors.


    		  


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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