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 ASVAB?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der ASVAB: Armed Services Vocational Aptitude Battery Prüfung.

2023 Updated Actual ASVAB questions as experienced in Test Center

Aktuelle ASVAB Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz

ASVAB Practice Questions - Armed Services Vocational Aptitude Battery | https://www.easyfinanz.cc/

Military ASVAB : Armed Services Vocational Aptitude Battery exam Dumps

Exam Dumps Organized by Shahid nazir

Latest 2023 Updated Military Armed Services Vocational Aptitude Battery Syllabus
ASVAB test questions / Braindumps contains real exam Questions

Practice Tests and Free VCE Software - Questions Updated on Daily Basis
Big Discount / Cheapest price & 100% Pass Guarantee

ASVAB Test Center Questions : Download 100% Free ASVAB test questions (PDF and VCE)

Exam Number : ASVAB
Exam Name : Armed Services Vocational Aptitude Battery
Vendor Name : Military
Update : Click Here to Check Latest Update
Question Bank : Check Questions

Free PDF Dumps of ASVAB exam direct download link
Before taking the real exam, ensure that you have a copy of their genuine Military ASVAB Cheatsheet for your Armed Services Vocational Aptitude Battery exam preparation. They provide the most updated and valid ASVAB Dumps, containing genuine test questions that they have collected from real exams.

At killexams.com, they take pride in offering the latest Armed Services Vocational Aptitude Battery syllabus, valid and up-to-date Military ASVAB PDF Dumps that are highly effective in passing the Armed Services Vocational Aptitude Battery exam. By choosing their platform, you can enhance your career as an expert in your industry. They have earned a reputation for assisting individuals in passing the ASVAB exam on their first attempt. Their PDF Braindumps performance has been consistently excellent over the past two years. Thanks to their ASVAB PDF Dumps, customers trust their PDF Dumps and VCE for their real ASVAB exam. killexams.com is the leader in providing ASVAB real test questions. They continuously maintain the validity and relevance of their ASVAB PDF Dumps to ensure that their customers succeed in the exam with high marks.

Our Armed Services Vocational Aptitude Battery test questions are guaranteed to help you pass the test with flying colors. They offer their ASVAB PDF Dumps in two formats, ASVAB PDF file, and ASVAB VCE test simulator. The ASVAB real exam is rapidly evolving, and they ensure that their ASVAB PDF Dumps is always up-to-date. You can download their ASVAB PDF Dumps PDF document on any device and even print it out to create your own study book. Their pass rate is high at 98.9%, and the similarity between their ASVAB questions and the real test is 98%. So, if you want to succeed in the ASVAB exam on your first attempt, visit killexams.com to download their Military ASVAB real test questions.

ASVAB exam Format | ASVAB Course Contents | ASVAB Course Outline | ASVAB exam Syllabus | ASVAB exam Objectives

Your scores in four critical areas -- Arithmetic Reasoning, Word Knowledge, Paragraph Comprehension and Mathematics Knowledge (see below) -- count towards your Armed Forces Qualifying Test (AFQT) score. The AFQT score determines whether you're qualified to enlist in the U.S. military. Your scores in the other areas of the ASVAB determine how qualified you are for certain military specialties. Score high, and your chances of getting the specialty/job you want increase.

The ASVAB features eight individual subtests:

Subtest Minutes Questions Description

General Science 11 25 Measures knowledge of physical and biological sciences

Arithmetic Reasoning 36 30 Measures ability to solve arithmetic word problems

Word Knowledge 11 35 Measures ability to select the correct meaning of words presented in context, and identify synonyms

Paragraph Comprehension 13 15 Measures ability to obtain information from written material

Auto and Shop Information 11 25 Measures knowledge of automobiles, tools, and shop terminology and practices

Mathematics Knowledge 24 25 Measures knowledge of high school mathematics principles

Mechanical Comprehension 19 25 Measures knowledge of mechanical and physical principles, and ability to visualize how illustrated objects work

Electronics Information 9 20 Tests knowledge of electricity and electronics

Total number of items: 200

Test Time: 134 minutes

Administrative Time: 46 minutes

Total Test Time: 180 minutes

Note: Until recently, "Numerical Operations" and "Coding Speed" were also administered on ASVAB, but have been dropped.

Scoring high on the ASVAB will require study and concentration. Don't skimp on preparing for this test -- read about what you should prepare for, and take their practice test, which gives you an idea of how well you'll score, identifies areas that need improvement and suggests resources you can use.

The Armed Services Vocational Aptitude Battery (ASVAB) is a test that covers basic knowledge such as math and verbal skills, writing skills, and vocabulary. It is a required test for entrance into the military, but it can also be an indicator for general aptitude skills for other purposes. For those looking to go into military service, the ASVAB score is a crucial indicator of prospective job placement, so it is very important to take this test seriously and to focus on your strengths when taking the exam. Higher test scores often mean better jobs, higher salary, and more opportunities for advancement in the military.

Three different versions of the ASVAB exam are available: The CAT-ASVAB (computer adaptive test), the MET-site ASVAB, and the Student ASVAB. These different versions are designed to suit different needs, so it is important to understand the basics of each test before sitting for an exam.

The CAT-ASVAB is a computer-based exam that is only provided at Military Entrance Processing Stations (MEPS) for enlistment purposes. The test is customized based on the takers answers, so if one question is answered correctly, the next one will be more difficult. This exam is timed, although users have the option of pacing themselves throughout the exam. However, it is not possible to go back through the test and check answers or change responses after they have been submitted. The CAT-ASVAB is broken down into 10 subparts, including basics such as arithmetic and verbal skills as well as auto information, electronics, shop, and mechanical knowledge

The MET (Mobile exam Test) Site ASVAB is only for those who have been referred by a recruiter to take the exam because it is only for enlistment into one of the branches of the military. This exam is broken up into 8 parts and is very similar to the CAT-ASVAB. The primary difference here is that the MET Site ASVAB is conducted with a pencil and paper rather than on the computer. This means that the answers to the MET ASVAB can be changed, but the test is still timed, so it is a good idea to keep track of the time while testing. Also, test takers for the MET ASVAB are not penalized for wrong answers, so always guess and respond to all of the questions in order to maximize your chances for scoring well on the exam.

The Student ASVAB is the most flexible of the exams. It is typically provided to high school students to help them assess their skills, job prospects, potential military positions, or college majors. The ASVAB for students is essentially the same as the MET ASVAB exam, only students are not necessarily testing for positions within the military. The students school counselors examine their scores and help them decide on what to do after graduating from high school. This test is still an important component of a students education because it can help them identify their strengths and weaknesses and help set them on the right track for their future career goals.

Killexams Review | Reputation | Testimonials | Feedback

ASVAB test prep some distance easy with these dumps.
To be successful, one must learn to choose their thoughts in the same way they pick their clothes. The power to do things in life is the power they possess. The candidate passed the ASVAB exam with the help of killexams.com, which proved to be a smooth and effective program to understand the subject.

The way to put together for ASVAB exam?
After consecutive failures in my ASVAB exam, I felt devastated and considered changing my area of study. Someone recommended giving one final attempt with Killexams.com for the ASVAB exam. I decided to try it and was pleasantly surprised to pass the paper. Killexams.com did not disappoint me, and their website gave me the motivation to continue my studies and pursue my original discipline.

It is genuinely extremely good assist to have ASVAB laACTUAL EXAM QUESTIONS.
I was extremely concerned about my ASVAB exam, but killexams.com helped me get a high score with their valid dumps and real questions. As they all know, ASVAB certification is difficult, but with killexams.com's dumps in hand, it was the easiest for me. I recommend that all students register online for their practice exams. My accurate preys are with you for your ASVAB exam.

ASVAB test prep far easy with these dumps.
Although I did not plan to use brain dumps for my IT certification exams, I ordered killexams.com's bundle for the ASVAB exam. I was impressed by the quality of their material and believed that it was worth the money. I did not have any trouble while taking the exam and knew all the questions and answers. I got 97% with the help of KE.

Is there a shortcut to pass ASVAB exam?
I passed the ASVAB exam on my first attempt, thanks to killexams.com's excellent question bank. Their material helped me apply my workbook knowledge in a question-and-answer format. Using their exam simulator, I gained a full idea of the exam paper, which proved invaluable during the exam. I am grateful to killexams.com for their support and guidance.

Military Services answers


A Gen Z Marine Explores Solutions to the Military's Recruiting Crisis in 'We Don't Want You, Uncle Sam'

In August 2021, the U.S. Army released its latest attempt to reach potential recruits from the generational cohort known as 'Generation Z.' Called​​ "First Steps," it's a series of brief "documentaries" that attempts to capture the spirit and emotions associated with life as a young recruit. A drill sergeant is never seen, but they can hear marching cadence in one of the videos, a siren song that quickly morphs into a sick beat.

Will these spots resonate with Gen Z, the generation of Americans born after 1997? The Army certainly hopes so: In 2018, it invested $4 billion in marketing over the next 10 years to reach them. But so far, that effort has come up short, with the Army expecting to fall 15,000 recruits short of its goal in 2023 -- the largest shortfall of all branches of the U.S. military. The Navy expects to be 10,000 recruits short while the Air Force will miss its goal by 3,000; only the Marine Corps believes it will meet its own needs.

Gen Z interest in military service is low and only dropping lower. The Wall Street Journal reports that only 9% of American youth ages 16-21 said they would consider enlisting in 2022, which is down from the 13% recorded during the COVID-19 pandemic. It appears no one wants to join the military, and the military can't seem to figure out what to do about it.

Also Read: The Army Could Not Effectively Address Gen-Z's Misconceptions About Army Life

There is one Gen Z officer who believes he has the answer to the military's recruiting woes. Second Lt. Matthew Weiss is a 25-year-old Marine Corps intelligence officer whose new book, "'We Don't Want You, Uncle Sam: Examining the Military Recruiting Crisis with Generation Z" lays out what he believes are some of the major problems his generation has with military service -- and what the military can do about it.

Before joining the Marine Corps, Weiss worked for Anduril Industries, now a defense contractor specializing in artificial intelligence and autonomous weapons systems. During Weiss' time there, it was a tech startup, and he observed how the company attracted new talent as they graduated from college, even in a highly competitive sector.

Matthew Weiss, author of "We Don't Want You, Uncle Sam."

Weiss went on to study business at the University of Pennsylvania's Wharton School, earning a bachelor's degree and an MBA there. Though young, a newly minted Marine Corps officer with his background might have some of the answers the Department of Defense has spent years and billions searching for.

Weiss breaks down the book into four parts, analyzing Gen Z recruitment, bringing military working conditions and generation expectations into alignment, an analysis of sociocultural influences and "Scope of Service," how the military can deliver back to society.

Some of Weiss' proposed issues are ones the military might expect from Zoomers. based on what it thinks it knows about the youth of America. Others might be wholly unexpected. But there are places where the values of military services and the values of Gen Z align.

"We Don't Want You, Uncle Sam" is available on Kindle ebook and paperback now.

For starters, the book says Gen Z needs an impact they can strive toward; a unique calling, bigger than the individual. Weiss suggests determined mentorship, where Gen Z service members would provide a certain number of hours per year talking to potential recruits, a "Z-Z, heart-heart meaning discussion."

Weiss also believes the current military pay structure is "incongruous" for a generation that watches their peers gain followers on social media. In their mind, better performance should mean more money. To that end, he suggests performance bonuses be added to military pay for those who succeed.

A somewhat counterintuitive suggestion Weiss offers is rooted in Gen Z's connection to devices. Some, Weiss believes, are being "crushed" by the "constant pinging," causing them to crave time to be unplugged from the rest of the world. The military can offer this like no other institution, he says, with real-world responsibilities and experiences away from their devices.

Those are just a few interesting examples. In all, Weiss offers 21 chapters of fact-based problems and solutions written with "the intention of diagnosing and solving a real and serious issue facing their nation," coming from the personal experiences of a Gen Z military officer who did a lot of research to help solve it.

“We Don't Want You, Uncle Sam: Examining the Military Recruiting Crisis with Generation Z” is on sale now in both paperback and on Amazon Kindle e-readers.

-- Blake Stilwell can be reached at blake.stilwell@military.com. He can also be found on Facebook, Twitter, or on LinkedIn.

Whether you're looking for news and entertainment, thinking of joining the military or keeping up with military life and benefits, Military.com has you covered. Subscribe to the Military.com newsletter to have military news, updates and resources delivered straight to your inbox.

Story Continues

Righting military justice

No result found, try new keyword!The military’s failure to end rampant sexual assault and hold offenders accountable put its flawed military justice system in the spotlight for the last decade. During this time, the military ...

Pentagon watchdog finds lax oversight and screening of military recruits with extremist ties

No result found, try new keyword!Screening lapses can have dire consequences. A exact Globe investigation revealed that at least 82 current and former military service members with far-right, antigovernment, or neo-Nazi views were ...

Obviously it is hard task to pick solid certification Dumps concerning review, reputation and validity since individuals get scam because of picking bad service. Killexams.com ensure to serve its customers best to its value concerning test questions update and validity. The vast majority of customers scam by resellers come to us for the test questions and pass their exams cheerfully and effectively. They never trade off on their review, reputation and quality because killexams review, killexams reputation and killexams customer certainty is vital to us. Specially they deal with killexams.com review, killexams.com reputation, killexams.com scam report grievance, killexams.com trust, killexams.com validity, killexams.com report. In the event that you see any false report posted by their competitors with the name killexams scam report, killexams.com failing report, killexams.com scam or something like this, simply remember there are several terrible individuals harming reputation of good administrations because of their advantages. There are a great many successful clients that pass their exams utilizing killexams.com exam dumps, killexams PDF questions, killexams questions bank, killexams VCE exam simulator. Visit their specimen questions and test exam dumps, their exam simulator and you will realize that killexams.com is the best brain dumps site.

Which is the best dumps website?
Of course, Killexams is 100% legit and even fully well-performing. There are several includes that makes killexams.com unique and straight. It provides exact and 100% valid test questions containing real exams questions and answers. Price is surprisingly low as compared to a lot of the services on internet. The Dumps are modified on regular basis with most exact brain dumps. Killexams account set up and merchandise delivery is very fast. Data file downloading can be unlimited and intensely fast. Guidance is avaiable via Livechat and Email. These are the characteristics that makes killexams.com a strong website offering test questions with real exams questions.

Is killexams.com test material dependable?
There are several Dumps provider in the market claiming that they provide real exam Questions, Braindumps, Practice Tests, Study Guides, cheat sheet and many other names, but most of them are re-sellers that do not update their contents frequently. Killexams.com is best website of Year 2023 that understands the issue candidates face when they spend their time studying obsolete contents taken from free pdf download sites or reseller sites. Thats why killexams.com update exam Dumps with the same frequency as they are updated in Real Test. test questions provided by killexams.com are Reliable, Up-to-date and validated by Certified Professionals. They maintain dumps questions of valid Questions that is kept up-to-date by checking update on daily basis.

If you want to Pass your exam Fast with improvement in your knowledge about latest course contents and courses of new syllabus, They recommend to download PDF exam Questions from killexams.com and get ready for real exam. When you feel that you should register for Premium Version, Just choose visit killexams.com and register, you will receive your Username/Password in your Email within 5 to 10 minutes. All the future updates and changes in Dumps will be provided in your download Account. You can download Premium test questions files as many times as you want, There is no limit.

Killexams.com has provided VCE practice test Software to Practice your exam by Taking Test Frequently. It asks the Real exam Questions and Marks Your Progress. You can take test as many times as you want. There is no limit. It will make your test prep very fast and effective. When you start getting 100% Marks with complete Pool of Questions, you will be ready to take real Test. Go register for Test in Test Center and Enjoy your Success.

2B0-100 brain dumps | HESI-A2 exam test | 2V0-01-19 model question | 7497X study guide | NNAAP-NA english test questions | NS0-162 cbt | PCCSE exam tips | Servicenow-CIS-HR braindump questions | Series66 free pdf download | CQE PDF Questions | Servicenow-PR000370 bootcamp | PEGAPCRSA80V1_2019 exam questions | S90.02A free pdf | SAP-C02 practical test | PC-BA-FBA-20 exam questions | 300-730 exam preparation | QAW1301 practice test | GE0-806 writing test questions | NCCT-ICS braindumps | 300-715 certification trial |

ASVAB - Armed Services Vocational Aptitude Battery course outline
ASVAB - Armed Services Vocational Aptitude Battery information hunger
ASVAB - Armed Services Vocational Aptitude Battery Practice Test
ASVAB - Armed Services Vocational Aptitude Battery exam Questions
ASVAB - Armed Services Vocational Aptitude Battery information hunger
ASVAB - Armed Services Vocational Aptitude Battery testing
ASVAB - Armed Services Vocational Aptitude Battery boot camp
ASVAB - Armed Services Vocational Aptitude Battery Real exam Questions
ASVAB - Armed Services Vocational Aptitude Battery exam syllabus
ASVAB - Armed Services Vocational Aptitude Battery study tips
ASVAB - Armed Services Vocational Aptitude Battery exam syllabus
ASVAB - Armed Services Vocational Aptitude Battery Dumps
ASVAB - Armed Services Vocational Aptitude Battery exam Braindumps
ASVAB - Armed Services Vocational Aptitude Battery learning
ASVAB - Armed Services Vocational Aptitude Battery exam success
ASVAB - Armed Services Vocational Aptitude Battery Question Bank
ASVAB - Armed Services Vocational Aptitude Battery exam syllabus
ASVAB - Armed Services Vocational Aptitude Battery information source
ASVAB - Armed Services Vocational Aptitude Battery learning
ASVAB - Armed Services Vocational Aptitude Battery exam dumps
ASVAB - Armed Services Vocational Aptitude Battery study help
ASVAB - Armed Services Vocational Aptitude Battery Test Prep
ASVAB - Armed Services Vocational Aptitude Battery teaching
ASVAB - Armed Services Vocational Aptitude Battery exam Cram
ASVAB - Armed Services Vocational Aptitude Battery study tips
ASVAB - Armed Services Vocational Aptitude Battery tricks
ASVAB - Armed Services Vocational Aptitude Battery Latest Topics
ASVAB - Armed Services Vocational Aptitude Battery exam Cram
ASVAB - Armed Services Vocational Aptitude Battery book
ASVAB - Armed Services Vocational Aptitude Battery exam Braindumps
ASVAB - Armed Services Vocational Aptitude Battery study tips
ASVAB - Armed Services Vocational Aptitude Battery guide
ASVAB - Armed Services Vocational Aptitude Battery syllabus
ASVAB - Armed Services Vocational Aptitude Battery braindumps
ASVAB - Armed Services Vocational Aptitude Battery PDF Questions
ASVAB - Armed Services Vocational Aptitude Battery book
ASVAB - Armed Services Vocational Aptitude Battery Cheatsheet
ASVAB - Armed Services Vocational Aptitude Battery information hunger
ASVAB - Armed Services Vocational Aptitude Battery questions
ASVAB - Armed Services Vocational Aptitude Battery exam Questions
ASVAB - Armed Services Vocational Aptitude Battery exam success
ASVAB - Armed Services Vocational Aptitude Battery information source
ASVAB - Armed Services Vocational Aptitude Battery Practice Questions
ASVAB - Armed Services Vocational Aptitude Battery real Questions

Other Military exam Dumps

ASVAB english test questions | ASVAB-General-Science braindumps | ASVAB-Mechanical-Comp free practice tests | ASVAB-Electronic-Info questions and answers | ASVAB-Automotive-and-Shop practice test | ASVAB-Mathematics-Knowledge question test | ASVAB-Word-Knowledge exam Cram | ASVAB-Paragraph-comp PDF Questions | ASVAB-Arithmetic-Reasoning exam tips | ASVAB-Assembling-Objects test example |

Best test questions You Ever Experienced

SAP-C02 cram | T7 past exams | EADA105 study guide | IFSEA-CFM trial test questions | Scrum-Master-Certified exam Questions | CMA Test Prep | 7220X online exam | CIA-III cheat sheet | 2B0-020 PDF Questions | H12-711 brain dumps | CBBF free pdf | Copedo-Developer trial questions | 62-193 cbt | CHHE braindumps | 301 PDF Braindumps | MCPA-Level-1 mock questions | 830-01 Questions and Answers | GLO_CWM_LEVEL_I assessment test sample | 1Y0-312 online exam | ICDL-WINDOWS real questions |

References :


Similar Websites :
Pass4sure Certification exam dumps
Pass4Sure exam Questions and Dumps

Direct Download

ASVAB Reviews by Customers

Customer Reviews help to evaluate the exam performance in real test. Here all the reviews, reputation, success stories and ripoff reports provided.

ASVAB Reviews

100% Valid and Up to Date ASVAB Exam Questions

We hereby announce with the collaboration of world's leader in Certification Exam Dumps and Real Exam Questions with Practice Tests that, we offer Real Exam Questions of thousands of Certification Exams Free PDF with up to date VCE exam simulator Software.

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