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-General-Science?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der ASVAB-General-Science: ASVAB Section 7: General Science Prüfung.

2023 Updated Actual ASVAB-General-Science questions as experienced in Test Center

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

ASVAB-General-Science PDF Dumps - ASVAB Section 7: General Science | https://www.easyfinanz.cc/

Military ASVAB-General-Science : ASVAB Section 7: General Science ACTUAL EXAM QUESTIONS

Exam Dumps Organized by Martin Hoax

Latest 2023 Updated Military ASVAB Section 7: General Science Syllabus
ASVAB-General-Science ACTUAL EXAM QUESTIONS / Braindumps contains actual test Questions

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

ASVAB-General-Science Exam Center Questions : Download 100% Free ASVAB-General-Science ACTUAL EXAM QUESTIONS (PDF and VCE)

Exam Number : ASVAB-General-Science
Exam Name : ASVAB Section 7: General Science
Vendor Name : Military
Update : Click Here to Check Latest Update
Question Bank : Check Questions

Exactly same ASVAB-General-Science PDF Braindumps as real exam
Killexams.com offers the latest and most up-to-date version of Killexams ASVAB Section 7: General Science Exam Braindumps, including Questions and Answers and Latest Questions for the latest articles of Military ASVAB-General-Science Exam. Their real ASVAB-General-Science Test Prep training program will enhance your knowledge and help you pass your ASVAB-General-Science test with excellent results. They ensure your success at the Test Center, covering all the syllabus of the test and improving your expertise of the ASVAB-General-Science exam. Pass with confidence with their accurate questions.

Many candidates have given testimonials of passing the ASVAB-General-Science test with the help of their Free PDF. They are now working in great positions within their organizations. It is a fact that after using their ASVAB-General-Science Exam Questions, they have seen improvements in their knowledge and skills. They can confidently work as experts in their respective fields. Their focus is not just on passing the ASVAB-General-Science test with their braindumps, but also on improving their candidates' understanding of ASVAB-General-Science goals and objectives. This is how individuals become successful in their careers.

If you are looking to pass the Military ASVAB-General-Science test to get a job or advance your current position within your organization, then you should register at killexams.com. Their team of experts collects genuine ASVAB-General-Science test questions at killexams.com. You will receive ASVAB Section 7: General Science test questions to ensure that you pass the ASVAB-General-Science test. Every time you log in to your account, you will be able to obtain updated ASVAB-General-Science test questions. While there are many organizations that offer ASVAB-General-Science Question Bank, only valid and up-to-date 2023 ASVAB-General-Science real questions are significant. Be careful relying solely on Free Dumps found on the internet, as you may fail the test. Therefore, paying a small fee for killexams ASVAB-General-Science genuine questions is a smart choice to avoid significant test expenses.

ASVAB-General-Science test Format | ASVAB-General-Science Course Contents | ASVAB-General-Science Course Outline | ASVAB-General-Science test Syllabus | ASVAB-General-Science test Objectives

Killexams Review | Reputation | Testimonials | Feedback

Get these Q&A and go to vacations to put together.
As an honors student, I never thought I would be using brain dumps for extreme IT exams. However, as my career progressed and my obligations increased, finding time and money to prepare for exams became increasingly difficult. That's when I ordered the killexams.com bundle. I passed the ASVAB-General-Science test with flying colors, and the best part is, the statistics I learned from the test are still with me. The Q&A format of killexams.com is truly remarkable, and it helped me feel more confident and knowledgeable in my field.

Do you want dumps updated ASVAB-General-Science test to pass the exam?
The killexams.com Dumps website provided me access to several test training materials for the ASVAB-General-Science exam. I was initially stressed about which one to pick, but the samples on the website helped me pick the quality one. I purchased killexams.com Dumps direction, which helped me see all the essential ideas and answer all questions in due time. I am happy to have killexams.com as my coach.

Is there a shortcut to pass ASVAB-General-Science exam?
Before using killexams.com, I thought I could pass the ASVAB-General-Science test without much preparation. However, after using their Q&A material, I realized that it had given me the necessary functionality to pass the test with 90%. The material is nicely designed, effective, and dependable. I thank killexams.com for providing me with dynamic material for my mastering of the ASVAB-General-Science exam.

Do no longer spend huge quantity on ASVAB-General-Science courses, get this question bank.
I was struggling to pass the ASVAB-General-Science test due to my poor knowledge of the subject. The language used in the books was too complicated and made me feel sleepy. But with killexams.com brain dumps, I found an easy guide that helped me wrap up the preparation in just three weeks. I passed the test with 88% marks, and it was all thanks to killexams.com. I got all the Q&A in one place, making it an incredible resource for me.

Belive me or now not! This resource of ASVAB-General-Science questions works.
Initially, I struggled with the hard syllabus of the ASVAB-General-Science test while using massive books to prepare. However, thanks to the killexams.com dump, I was able to memorize all the information within a brief time and passed the test with an impressive score of 85%. I am indebted to killexams.com for making my day.

Military 7: Latest Questions


Every US Military Plane, And How Many are in Service

Special Report

August 7, 2023 12:42 pm

Last Updated: August 8, 2023 12:53 pm

The release of “Top Gun: Maverick” last year inspired new interest in aerial combat and the U.S. military’s fighter jets, new and old. The main fighter jet used in the movie is the F/A-18F Super Hornet, part of the U.S. Navy’s fleet of carrier-borne warplanes. The E and F are the latest iteration of a jet that has been around for decades, and even the Super Hornet is more than 20 years old. But it is far from the existing or oldest plane, and arguably the most iconic, in the U.S. military’s substantial fleet of jets and bombers. 

To compile a list of every plane in the U.S. military, 24/7 Wall St. reviewed data from the World Directory of Modern Military Aircraft on the different types of aircraft in service in the American Air Force, Army, Marine Corps, and Navy. Aircraft are ordered by total count. Helicopters were excluded from this list, as are planes that are on order, but not yet delivered. All data is from the WDMMA. 

In cases where the WDMMA didn’t provide a year of first flight, they used other online resources, including the websites of Boeing and Lockheed Martin and aviation-related websites like Aerospaceweb.org. In most cases, the year of the first flight indicates the first flight of the earliest version of the aircraft. In some cases, they use the first flight year of a modernized variant.

Altogether, the U.S. has in service more than 2,300 fighter jets with the F-prefix, or nearly 35% of the U.S. arsenal of military planes This includes nearly 500 highly advanced and stealthy F-35 Lightning IIs and F-22 Raptors. (These are the largest air forces in the world.)

The U.S. Air Force has 4,453 planes, or about 61% of the 7,250 planes flown by all branches. Some of the planes are only the domain of the USAF, like all the bombers, while some, like the F-16 Fighting Falcon, are used by other branches as well. In total, the U.S. Army has 353 planes, the Marine Corps. 497 aircraft, and the Navy flies 1,947 planes. It is important to note that some branches rely more on helicopters, which are excluded from this list.

Fighters and trainers make up the largest portion of the American warplane arsenal, totaling nearly 4,400 planes or 61%. About 300  planes are fighters involved in close air support of ground forces, like the Fairchild Republic A-10 Thunderbolt II, known as the Warthog, and the Lockheed AC-130, the heavily armed version of the C-130 Hercules transport aircraft.

The rest of the planes include nearly 622 aerial refuelers and nearly 939 transporters. The U.S. also has about 150 strategic bombers, led by the classic Boeing B-52, the nuclear-bomber famously featured in the 1964 film “Dr. Strangelove,” and 824 special missions aircraft.

Here is every plane in the U.S. military.

This Country Has the Most People in the Military

With the war in Ukraine well into its second year and threatening to spill over the border, many European nations are eyeing their army reserves and considering reinstating military conscription rules that were largely phased out after the end of the Cold War. (These are the countries with the largest reserve forces.)

As many developed nations ended conscription, a trend began of military downsizing. The militaries of nations, including the U.S., Britain, and France, have been growing smaller for decades. According to the Global Peace Index, 61% of the 163 countries the index tracks reduced their numbers of armed personnel from 2017 to 2019. This includes some of the largest militaries in the world – China, India, the U.S., and Russia. 

Despite downsizing, the Russian military remains the fifth largest in the world, with 900,000 active-duty personnel, or 6.3 armed personnel for every 1,000 residents. Over 200,000 Russian civilians were drafted into service after the start of the invasion into Ukraine in 2022.

To determine the countries where the most people are in the military, 24/7 Wall st. reviewed data from the International Institute for Strategic Studies Military Balance 2022 report. Countries were ranked based on the number of active armed forces per capita in 2021. Military counts were adjusted for population using 2021 data from the World Bank. Data on defense spending as a share of gross domestic product in 2019 also from the IISS.

The majority of countries on the list require compulsory military service by certain male citizens, whether defined by age or employment status. Many are in the Middle East, including Cyprus, Jordan, Syria, Iran, Qatar, and the United Arab Emirates. A handful of Asian and European countries on the list also require mandatory service, including Singapore, Cambodia, Taiwan, South Korea, Armenia, Greece, Russia, and Lithuania.

The three countries with the most people in the military are nations that require compulsory service regardless of gender. In Eritrea, all citizens from 18 to 40 must give 18 months of national service, according to the CIA. In North Korea, a mandatory service of five years for women and seven years for men begins at age 17, and in Israel, a mandatory service of 24 months for women and 32 months for men begins at age 18. These are the countries where a large share of the military are women.

Click here to see countries with the most active military per person.

Coroner to hold inquest into officer cadet’s suicide at Royal Military College

OTTAWA – The Ontario coroner will hold an inquest into the death of an officer cadet who took his own life while attending Royal Military College last year, a move the family’s lawyer says is rare — and welcome.

Absar Chaudhry, 21, was found dead in his dorm room in Kingston, Ont., on Nov. 30. His death was ruled a suicide.

According to documents filed in court by the family’s lawyers in April, the third-year student excelled at college at first, but he was not in classes for more than two weeks leading up to his death.

Officer cadets march on the parade square before the Royal Military College Commissioning Parade in Kingston, Ont., on Friday May 19, 2023. The Ontario coroner will hold an inquest into the death of an officer cadet who took his own life while attending Royal Military College last year. THE CANADIAN PRESS/Lars Hagberg Officer cadets march on the parade square before the Royal Military College Commissioning Parade in Kingston, Ont., on Friday May 19, 2023. The Ontario coroner will hold an inquest into the death of an officer cadet who took his own life while attending Royal Military College last year. THE CANADIAN PRESS/Lars Hagberg

Chaudhry had also applied for leave without pay — something that surprised his parents.

Their lawyer Michel Drapeau, a retired colonel, asked the coroner to look into the case earlier this year, saying the family had questions the military had not answered about what led to their son’s death.

“They hope through testimony and through evidence that may be presented, by certainly the military and themselves, they may be able to come to better understand why this fatality occurred,” he said Monday in an interview.

In a written statement, a spokesperson for the Defence Department said that alongside the Canadian Armed Forces, it welcomes “any additional review that would aid in finding the causes of Officer Cadet Absar Chaudhry’s death and will comply with the inquest from the Ontario’s Coroner’s Office.”

The department also said an internal board of inquiry looking into Chaudhry’s death will begin interviewing witnesses in the coming weeks, and the family will be able to participate.

However, that process is not transparent and the military does not allow families standing to participate. They would be barred from listening to some testimony, and if they were called to testify they would not be allowed to have lawyers present.

“It serves the interests of the Canadian Armed Forces, not the public,” Drapeau said.

A coroner’s inquest will bring their questions to an open and impartial forum, Drapeau said, and provide an opportunity for other officer cadets to talk about their experiences at the college.

“They want to make sure that no other family go through the same terrible ordeal,” he said.

The board of inquiry is not mandated to explore the role the Royal Military College culture may have played in Chaudhry’s death. In court documents, his family said the military failed to act on a series of damning reports about the college in exact years.

The most recent, by former Supreme Court justice Louise Arbour in May 2022, said the college culture was prime for abuse of power and called the environment toxic.

A 2015 report from Marie Deschamps, also a former justice on the Supreme Court, described a culture rife with sexual harassment and sexual assault. An auditor general’s report from 2017 said the college governance structure was ineffective and the school did not provide effective military leadership training.

Chaudhry’s parents had filed those documents in Federal Court this spring, when they asked a judge to grant them standing at the military’s board of inquiry. They have since repealed that request, pending the coroner’s inquest.

For now, Chaudhry’s family has another long wait ahead of them: it could take years for the inquest to be complete and to release a report. However, it will be the first time the Royal Military College is the subject of a public inquiry, Drapeau said, and that provides a measure of relief.

“It provides a time to, if not to heal, certainly to grieve,” he said.

If you or someone you know is thinking about suicide, support is available 24/7 by calling Talk Suicide Canada (1-833-456-4566) or texting 45645 in the evenings. Residents of Quebec can call 1-866-APPELLE (1-866-277-3553) or visit suicide.ca for support by text and online chat.

This report by The Canadian Press was first published Aug. 14, 2023.


While it is hard job to pick solid certification questions/answers regarding review, reputation and validity since individuals get sham because of picking incorrec service. Killexams.com ensure to serve its customers best to its efforts as for ACTUAL EXAM QUESTIONS update and validity. Most of other's post false reports with objections about us for the brain dumps bout their customers pass their exams cheerfully and effortlessly. They never bargain on their review, reputation and quality because killexams review, killexams reputation and killexams customer certainty is imperative to us. Extraordinarily they deal with false killexams.com review, killexams.com reputation, killexams.com scam reports. killexams.com trust, killexams.com validity, killexams.com report and killexams.com that are posted by genuine customers is helpful to others. If you see any false report posted by their opponents with the name killexams scam report on web, killexams.com score reports, killexams.com reviews, killexams.com protestation or something like this, simply remember there are constantly terrible individuals harming reputation of good administrations because of their advantages. Most clients that pass their exams utilizing killexams.com brain dumps, killexams PDF questions, killexams practice questions, killexams test VCE simulator. Visit their example questions and test brain dumps, their test simulator and you will realize that killexams.com is the best ACTUAL EXAM QUESTIONS site.

Which is the best dumps website?
Yes, Killexams is 100 percent legit and also fully efficient. There are several attributes that makes killexams.com realistic and straight. It provides informed and 100 percent valid ACTUAL EXAM QUESTIONS comprising real exams questions and answers. Price is extremely low as compared to almost all the services on internet. The Q&A are current on usual basis having most exact brain dumps. Killexams account build up and products delivery is extremely fast. Data downloading is actually unlimited and intensely fast. Help support is avaiable via Livechat and Message. These are the features that makes killexams.com a robust website which provide ACTUAL EXAM QUESTIONS with real exams questions.

Is killexams.com test material dependable?
There are several Q&A provider in the market claiming that they provide actual test 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 obtain sites or reseller sites. Thats why killexams.com update test Q&A with the same frequency as they are updated in Real Test. ACTUAL EXAM QUESTIONS provided by killexams.com are Reliable, Up-to-date and validated by Certified Professionals. They maintain examcollection of valid Questions that is kept up-to-date by checking update on daily basis.

If you want to Pass your test Fast with improvement in your knowledge about latest course contents and syllabus of new syllabus, They recommend to obtain PDF test Questions from killexams.com and get ready for actual 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 Q&A will be provided in your obtain Account. You can obtain Premium ACTUAL EXAM QUESTIONS files as many times as you want, There is no limit.

Killexams.com has provided VCE practice test Software to Practice your test by Taking Test Frequently. It asks the Real test 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 actual Test. Go register for Test in Exam Center and Enjoy your Success.

H12-111_V2.5-ENU study guide | ACT-English online test | ADM-211 practice test | NCCT-TSC test prep | PSAT-RW pass test | ATTA Study Guide | CIMAPRO19-E01-1-ENG VCE | Copedo-Developer test Cram | 010-151 Practice Questions | E20-365 test questions | NE-BC prep questions | ACLS Real test Questions | 350-501 PDF Questions | APA-CPP study questions | DSST-HRM demo test | BI0-210 Free PDF | CBM test papers | HIO-201 examcollection | 920-327 PDF Dumps | CTAL-TA actual Questions |

ASVAB-General-Science - ASVAB Section 7: General Science test Questions
ASVAB-General-Science - ASVAB Section 7: General Science test Braindumps
ASVAB-General-Science - ASVAB Section 7: General Science Question Bank
ASVAB-General-Science - ASVAB Section 7: General Science test prep
ASVAB-General-Science - ASVAB Section 7: General Science Latest Questions
ASVAB-General-Science - ASVAB Section 7: General Science test Cram
ASVAB-General-Science - ASVAB Section 7: General Science test contents
ASVAB-General-Science - ASVAB Section 7: General Science test success
ASVAB-General-Science - ASVAB Section 7: General Science testing
ASVAB-General-Science - ASVAB Section 7: General Science test format
ASVAB-General-Science - ASVAB Section 7: General Science test
ASVAB-General-Science - ASVAB Section 7: General Science test Questions
ASVAB-General-Science - ASVAB Section 7: General Science Real test Questions
ASVAB-General-Science - ASVAB Section 7: General Science test syllabus
ASVAB-General-Science - ASVAB Section 7: General Science certification
ASVAB-General-Science - ASVAB Section 7: General Science Latest Questions
ASVAB-General-Science - ASVAB Section 7: General Science questions
ASVAB-General-Science - ASVAB Section 7: General Science techniques
ASVAB-General-Science - ASVAB Section 7: General Science Cheatsheet
ASVAB-General-Science - ASVAB Section 7: General Science test Braindumps
ASVAB-General-Science - ASVAB Section 7: General Science braindumps
ASVAB-General-Science - ASVAB Section 7: General Science test format
ASVAB-General-Science - ASVAB Section 7: General Science course outline
ASVAB-General-Science - ASVAB Section 7: General Science ACTUAL EXAM QUESTIONS
ASVAB-General-Science - ASVAB Section 7: General Science Dumps
ASVAB-General-Science - ASVAB Section 7: General Science Questions and Answers
ASVAB-General-Science - ASVAB Section 7: General Science PDF Braindumps
ASVAB-General-Science - ASVAB Section 7: General Science guide
ASVAB-General-Science - ASVAB Section 7: General Science book
ASVAB-General-Science - ASVAB Section 7: General Science cheat sheet
ASVAB-General-Science - ASVAB Section 7: General Science dumps
ASVAB-General-Science - ASVAB Section 7: General Science test
ASVAB-General-Science - ASVAB Section 7: General Science information source
ASVAB-General-Science - ASVAB Section 7: General Science real questions
ASVAB-General-Science - ASVAB Section 7: General Science study help
ASVAB-General-Science - ASVAB Section 7: General Science dumps
ASVAB-General-Science - ASVAB Section 7: General Science information search
ASVAB-General-Science - ASVAB Section 7: General Science outline
ASVAB-General-Science - ASVAB Section 7: General Science teaching
ASVAB-General-Science - ASVAB Section 7: General Science test format
ASVAB-General-Science - ASVAB Section 7: General Science actual Questions
ASVAB-General-Science - ASVAB Section 7: General Science test Cram
ASVAB-General-Science - ASVAB Section 7: General Science information search
ASVAB-General-Science - ASVAB Section 7: General Science tricks


ASVAB-Mechanical-Comp study guide | ASVAB dumps questions | ASVAB-Paragraph-comp test Questions | ASVAB-General-Science practice exam | ASVAB-Automotive-and-Shop free pdf | ASVAB-Electronic-Info model question | ASVAB-Mathematics-Knowledge questions and answers | ASVAB-Word-Knowledge free online test | ASVAB-Assembling-Objects cbt | ASVAB-Arithmetic-Reasoning Cheatsheet |

Best ACTUAL EXAM QUESTIONS You Ever Experienced

NAPLEX test sample | HIO-201 braindumps | PSM-I test Questions | 499-01 study guide | E20-365 bootcamp | Certified-Data-Architecture-and-Management-Designer Latest Questions | 3X0-104 practice exam | ICDL-Powerpoint PDF Braindumps | 2B0-018 questions and answers | ICYB free pdf | Google-PCE Practice Questions | 4H0-200 model question | 303-200 demo test | FORKLIFT mock exam | AACN-CMC free test papers | 4A0-106 dumps | E20-065 PDF Dumps | MCPA-Level-1 question test | SCP-500 PDF Questions | 020-222 test answers |

References :


Similar Websites :
Pass4sure Certification ACTUAL EXAM QUESTIONS
Pass4Sure test Questions and Dumps

Direct Download

ASVAB-General-Science 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-General-Science Reviews

100% Valid and Up to Date ASVAB-General-Science 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