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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The ASSET (Assessing Skills for Successful Transitions) Short Placement Tests are a series of exams developed by ACT (American College Testing) to measure students' academic skills in various subject areas. These tests are typically used for placement purposes in educational institutions. Here is a breakdown of the test details, course outline, test objectives, and test syllabus for the ASSET Short Placement Tests:

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JEECUP 2023 Answer Key Soon On jeecup.admissions.nic.in, Here's How To Download

JEECUP 2023 Answer Key: The Joint Entrance test Council, Uttar Pradesh will release the JEECUP 2023 answer key soon. Candidates can access and get the JEECUP 2023 answer key from the official website - jeecup.admissions.nic.in. After the release of the provisional answer key for JEECUP 2023, candidates will have the opportunity to raise objections if they find any discrepancies. Once the objections on the answer key are reviewed, the final answer key and results of JEECUP 2023 will be published. The JEECUP 2023 examination was conducted from August 2 to 6, with the morning session taking place from 9 am to 12 noon, and the afternoon session from 2 pm to 5 pm.

Candidates can access the JEECUP 2023 answer key on the official website, jeecup.admissions.nic.in. The JEECUP is conducted for admission to diploma engineering colleges in the state. Moreover, candidates can also pursue BTech by seeking admission into the final year of the UG engineering program through the diploma degree.

For comprehensive details about JEECUP, kindly visit the official website - jeecup.admissions.nic.in.

JEECUP 2023 Answer Key: How To Download?

To check and get the JEECUP 2023 answer key, follow these steps:

  • Visit the official website at jeecup.admissions.nic.in.
  • Click on the link provided for "JEECUP 2023 answer key."
  • Once the answer key PDF appears on the screen, get it.
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  • Take a printout of the answer key for your reference.
  • Notably, the UPJEE(P) is a state-level examination for candidates seeking admission in the government and private polytechnic colleges of Uttar Pradesh. Joint Entrance test Council, Uttar Pradesh (JEECUP) was formed in the year 1986-87 for admission to all the polytechnic institutions in the state by conducting admission test at the state level. 

    Also Read: Bihar STET 2023 Notification Released, Apply Online On bsebstet.com

    Based on the nature of work, Uttar Pradesh Joint Entrance test Council, Uttar Pradesh has been assigned the responsibility to conduct the Uttar Pradesh Joint Entrance test for Polytechnic (UPJEE(P)).

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    Law schools' admission essays revamped after Supreme Court affirmative action ruling

    Aug 23 (Reuters) - How has the world you came from positively shaped who you are today?

    Why is equal justice important to you personally?

    Have you been motivated by your heritage or culture to assume a leadership role or attain a particular goal?

    Those are among the myriad new questions law schools are asking applicants this year—the first admissions cycle following the U.S. Supreme Court’s decision banning race-conscious admissions at colleges and universities.

    Legal education experts say many law schools have modified their application essays to gain a deeper understanding of candidates and their backgrounds without running afoul of the new court ruling, which says schools cannot consider candidates’ race when deciding whether to offer them admission.

    “We’re going to have more thorough applications with broader essay options,” said law school admission consultant Mike Spivey, adding that the process will be less uniform and more time-intensive for individuals submitting multiple applications because the process can vary school-to-school. Spivey is compiling new essay prompts on his blog as they are released by schools and noting their differences from previous years.

    Most U.S. law schools will begin accepting applications on Sept. 1 for admission in the fall of 2024, and some have already released their essay questions. Several, including Duke Law School and the University of Texas School of Law, have replaced their open-ended diversity or “personal background” statements with specific essay prompts.

    Harvard Law School previously asked applicants to submit a personal statement and an optional diversity statement. This year, the school is requiring applicants to submit both a “statement of purpose” covering their motivation to pursue a career in law and “statement of perspective” explaining how their experience, backgrounds or interests have shaped them.

    In lieu of an open-ended, optional diversity statement, Yale Law School this year is giving applicants the choice to answer one of four essay prompts that range from describing a “community that has been particularly meaningful to you” to sharing a “time when you changed your mind on an important syllabu after discussing it with a person with whom you disagreed or learning additional information.”

    Yale Law declined to comment on the changes to its application essays. According to astatement on Harvard Law’s website, its new questions are intended to inspire applicants to “reflect upon your motivations for attending law school, as well as the contributions you will bring to the [school] community and the legal profession.”

    The Supreme Court’s June 29 ruling, which effectively prohibited affirmative action policies long used to raise the number of underrepresented minority students on campuses, specified that essays and personal statements in which candidates discuss their race or background are acceptable, said Gisele Joachim, vice president for law school engagement at the Law School Admission Council.

    The U.S. Department of Education underscored that point on Aug. 14 when it released new guidance to colleges and universities clarifying that applicants are free to discuss how their race has affected their lives.

    The University of Michigan Law School updated its supplemental essay prompts this year to include nine options meant to “help us get a better sense of who you are.” Candidates can explain how their experiences or perspectives could contribute to the school’s intellectual life and to the goal of diversifying the legal profession. Or they may explain what prominent person—living or dead—they would choose to dine with and what they would discuss.

    “I do think they will see a broadening of interest in contextual information, and I think that’s good for making decisions,” said Michigan Law senior assistant dean Sarah Zearfoss.

    Read more:

    U.S. Supreme Court’s affirmative action ruling a ‘headwind’ for lawyer diversity, experts say

    Post-affirmative action, these law schools may provide path for others

    Reporting by Karen Sloan; editing by Leigh Jones

    Our Standards: The Thomson Reuters Trust Principles.

    Karen Sloan reports on law firms, law schools, and the business of law. Reach her at karen.sloan@thomsonreuters.com

    Oktoberfest 2023: Answers to questions that keep coming up

  • tz
  • München
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    Oktoberfest 2023 will take place from 16 September to 3 October on the Theresienwiese. Millions of visitors flock to Munich every year. © Collage: IMAGO / aal.photo (links) und IMAGO / APress (rechts)

    Oktoberfest 2023 is just around the corner. They explain everything you should know before you visit: When the Wiesn takes place, how much a table reservation costs and why the event exists at all.

    Munich - The Wiesn, as the Oktoberfest is called in Bavaria, belongs to Munich like sweet mustard to Weißwurst (white sausage). Every year, millions of people flock to the state capital to celebrate the Oktoberfest. And that‘s despite the fact that beer and chicken prices will again rise drastically in 2023. The world‘s largest folk festival has a long tradition: How to get a place in the marquee, since when and why the Wiesn exists at all, their editorial team explains here in the FAQ.

    How long does the Oktoberfest last in Munich?

    The 188th Oktoberfest will take place from 16 September to 3 October 2023 on the Theresienwiese. On the first Saturday of the Oktoberfest, the tents open at 9 a.m. and non-alcoholic drinks are served from 10 a.m. onwards. At 12 noon, Munich‘s Lord Mayor Dieter Reiter (SPD) will tap the first beer barrel in the Schottenhamel festival tent. With the tapping, the Wiesn 2023 is officially opened, and then it is once again: O‘zapft is! (Bavarian for: It‘s tapped!).

    What does admission to the Oktoberfest cost?

    In principle, admission to the Oktoberfest is free. There is no entrance fee for the Theresienwiese. There is one exception, however: for the „Oide Wiesn“ with historic rides, people aged 14 and over have to pay four euros; after 9 pm, admission is also free here.

    Can you go to the Wiesn without a reservation?

    You can enter the festival tents without a reservation. Some of the tables are even kept free for spontaneous visitors. In the big tents this applies to a quarter of the seats, on weekends and public holidays even half until 3 pm, afterwards still 35 percent. The only exceptions are the Käfer Wiesn-Schänke, Kufflers Weinzelt and the small tents. Reservations are not possible at all in the beer gardens. However, especially in the evening or as a group, it can quickly happen that there are no seats left in the festival tents. Sometimes admission is closed due to overcrowding. If you want to be on the safe side, you should make a reservation in advance.

    How do you get a table at the Wiesn?

    There is no central point for reservations. Tables can be reserved directly at the festival tents in advance, even at the small tents. As a rule, this is possible as early as spring, from April or May at the latest. The festival hosts provide information about the start date on their websites. Most bookings are made online, sometimes by telephone. It pays to be quick, but sometimes dates become available again at short notice.

    The 17 large festival tents at the Wiesn 2023


    Festzelt Tradition





    Käfer Wies‘n-Schänke

    Kufflers Weinzelt


    Marstall Festzelt


    Paulaner Festzelt





    How much does a table at the Oktoberfest cost?

    Reserving a table is free of charge. However, vouchers must be paid in advance, i.e. tokens, for example for the Maß beer and half a chicken per person. Reservations can only be made for a whole table, i.e. for eight to ten people. The tokens for a table then cost about 350 euros in total, in some tents even more.

    An exception this year is the „Wiesn Package“: with this, individuals can secure a fixed place in a tent of their choice from 79 euros. Food and beer vouchers as well as one of three guided tours of Munich and the official Oktoberfest mug with the Wiesn motif are included.

    Not only chicken and roasted almonds: An overview of the most popular Oktoberfest delicacies Fotostrecke ansehen What is actually celebrated at the Oktoberfest?

    The Wiesn is the largest and most popular folk festival in the world. Its history dates back to 1810: back then, on 12 October, Prince Regent Ludwig of Bavaria (later King Ludwig I) married Princess Therese of Saxe-Hilburghausen. They celebrated their wedding in an extraordinary way on 17 October: With a big horse race on what is now Theresienwiese - so named after the bride. Everyone was so enthusiastic about the big event that they absolutely wanted to repeat it. The Oktoberfest was born, albeit without rides and beer tents. In the meantime, it already starts in September, but the start date was only moved forward afterwards. Incidentally, the official founding father is Andreas Michael Dall‘Armi, a member of the Bavarian National Guard, who had the idea for the horse race in 1810.

    Why is it called the Wiesn?

    The venue of the Oktoberfest has always been the Theresienwiese, which in 1810 was still a meadow on the outskirts of the city. In the long run, however, the people of Munich found this name too cumbersome - which is why they straightaway renamed the Theresienwiese „d‘Wiesn“. But beware: this is not a plural of several meadows, but the Bavarian abbreviation of „die Wiese“. That‘s why it‘s called „auf der Wiesn“ and not „auf den Wiesen“.

    Who owns the Wiesn?

    The Oktoberfest has been held under the management of the City of Munich since 1819. Even then it was a magnet for visitors and a bubbling source of money. The city also owns the area, i.e. the 42-hectare Theresienwiese. Every year, marquees, fairground rides and stalls pay rent for their stands. In addition, the city runs several stalls in the streets selling delicacies, non-alcoholic drinks and souvenirs. In its official final report, the economic department does not provide any figures on how much the city earned at the Wiesn 2022. The income of the privately run marquees is also a well-kept secret: the profit of a Wiesn host is estimated to be between one and two million euros per year. Last year, around 5.7 million people visited the Wiesn.


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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