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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Military ASVAB : Armed Services Vocational Aptitude Battery exam Dumps

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Exam Number : ASVAB
Exam Name : Armed Services Vocational Aptitude Battery
Vendor Name : Military
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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.



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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