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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Exam Procedures & Technology

How Exams Work

Colorado Law exams are computer-based. Students input their answers into Exam4, their computer-based bluebook application, that securely saves and transmits test submissions to the Law School Registrar.  Students are assigned a unique, anonymous six-digit test ID for each test they are scheduled to take.  Students must input the appropriate six-digit test ID into Exam4. The six-digit test ID is your personal identifier used with your exam. Each student has their own test ID for each test they take each test season.

Students will receive detailed instructions via email from the Registrar prior to each test season.

Exams occur remotely. As a result, test questions will appear within the Exam4 program itself once a student has put in their credentials to start their exam. Students should take care to enter essay and multiple-choice answers in the correct answer area within the software.

Exam4 Software

Colorado Law uses Extegrity's Exam4 software.  Exam4 is a simple, lightweight, and secure test tool that is compatible with Windows and macOS.  It is the electronic equivalent of a paper bluebook for essay and short answer responses and a bubble sheet for multiple choice and true/false responses. 

Students must get a new Exam4 software package for each test season. The software is available here:  https://www.exam4.com/org/599. Students are encouraged to get the latest Exam4 software package in advance of their exams so they can take a practice test to familiarize themselves with Exam4's functionality and features.  Make sure you know what materials are allowed by your professor during the test and whether or not you are allowed to copy/paste.

Anonymous test IDs

Students are assigned an anonymous, unique test ID for each test which facilitates anonymous test grading.  Prior to each exam, students must obtain their anonymous six-digit test ID from Colorado Law's test ID tool at https://www.colorado.edu/law/examid. To obtain each unique test ID, students must know their Identikey and password.  

Document IDs

Get your document IDs from https://www.colorado.edu/law/examid.The document ID is needed to securely fetch your test questions within the test software.

Practice Document ID

The test Document ID for the practice test is D0000000. Click on the Practice test tab on this website for more information about the practice exam.

Taking an Exam

Once the test is underway, students will input test answers into Exam4 which records and saves the typed information every minute. When students complete an exam, they submit their answers within the Exam4 tool.  When the student acknowledges completion of the exam, Exam4 will unlock the computer and seek an internet connection to upload the completed test to the Law School's Exam4 Receiver. The Registrar’s Office then processes the test and distributes it to your professor by anonymous test ID.

Students take all Exam4 exams remotely. Thusly, the exams will not be proctored and students are free to take exams at home or on campus as they see fit. Students are on their honor to follow the Honor Code.

Exam Modalities
  • CLOSED:  Only the Exam4 application is available.  Exam4 locks out access to other applications and the internet on your computer when this mode is enabled. Students can only use one computer screen and must not be connected to a VPN. Once you end your exam, you may not go back and re-edit it. Your computer will run through a 1-2 minute security check prior to beginning. If your computer fails the security check, you can try re-booting and re-starting the software.
  • OPEN-LAPTOP: You may access your hard drive and other applications, but do not have access to the internet. Make sure to print and/or get any materials you need before starting an exam. Students can only use one computer screen and must not be connected to a VPN. Once you end your exam, you may not go back and re-edit it.
  • TAKEHOME test Mode: You may access your hard drive, other applications, and the internet. You will be able to cut and paste external text into your exam. You may got into and out of this test as many times as you want while you are working on your exam. You may exit an test in TAKEHOME mode, it will be saved, and you can start it again later.
  • Disclaimer

    Exam4, which is a product of the company Extegrity, is not a Colorado Law product. While the Registrar’s Office and Law School IT staff will help troubleshoot and assist students during their exams, it is the student’s responsibility to follow the instructions on the Exam4 website for the correct operation of Exam4. This includes system requirements, computer maintenance, and adherence to any other instructions given by Exam4. Prior to any exam, students should review the instructions on the Exam4 website.

    Extegrity Support Contact information

    https://www.exam4.com/support/

    Law school test administration is executed by the Law Registrar.

     

    Students must get a new Exam4 software package for each test season. 

    The Exam4 software package is available for get here:  https://www.exam4.com/org/599.

    Installation Instructions
  • Complete the registration information and get the Windows or macOS version as appropriate.
  • To install Exam4, double-click the install file you downloaded and follow the on screen prompts. 
  • macOS users:  If you have a previous test season install of Exam4, select "Replace" when prompted.

    Note: Tablets and iPads are not allowed for exams. Only laptops are permitted.

    Students are encouraged to take a practice test to familiarize themselves with Exam4's functionality and features.

    Exam4 Best Practices
  • Turn off auto updates.
  • Close all running programs & applications (Word, Safari, Chrome, etc.)
  • Exam4 does not require students to disable antivirus.
  • Administrator rights are required.
  • Reboot your computer before each exam.
  • Support

    Students can contact Extegrity at usersupport@extegrity.com or Law School IT at lawit@colorado.edu.

     

    Students must get a new Exam4 software package for each test season. 

    Step 1:  Register, download, and install the current Exam4 package at https://www.exam4.com/org/599. 

    Step 2:  Launch Exam4.

    Exam4 icon with lowercase letter e

    Step 3:  Prepare to start a new test >> Next

    Initial start screen for Exam4 to prepare new exam.

    Step 4:  Input a made-up Exam ID twice and select "Practice Exam" from the course dropdown list (twice) and select Next. 

    Make sure you play around with the software and complete the survey once you are finished.

    Exam4 - Course or  test title

    Step 5: Check confirmation box and select OK.

    Exam 4 Re-confirm information

    Step 6: Set timer and viewer preferences and select Next.  Exam4 does not automatically close when test time is exceeded.  They recommend experimenting with the timer so you are comfortable with its operation.

    Exam4 Timer

    Step 7: Review instructions, check "Got it" box, and select Next.

    Exam 4 - Got it

    Step 8: Type in the name of the test Mode you would like to test in the input box, confirm selection, and press Next.

    The test mode will be automatically programmed in Exam4 for your exams. Students will not have to choose an test mode in most cases. Make sure you are aware of how your computer will function in different modes (OPEN vs. CLOSED, etc).

    Exam 4 Mode

    Step 9: Begin Exam

    Exam 4 - Begin Exam

    Step 10: Choose the test document from the drop-down.

    Exam 4 -  test document selection

    Once in the exam, students will need to click on the "Exam Document" button once in the exam. When you do that, enter the code given to you by the Law Registrar and click "Fetch" to get the test questions. A pop-up box will appear with the test questions. The test Document ID for the "Practice Exam" is D0000000.

    Exam 4 - document id fetch

    The next step is to click "side-by-side view" so that you can see both the test questions and test answer entry area at the same time. You can use the scrollbar on the bottom right to make the text smaller or larger.

    Exam 4 - Side By Side View

    Play around with the Exam4 functions so that you understand how to use them.

    The essay section of the test is essentially a blank sheet of paper.  You will need to annotate for your professor which responses go with which questions.  You can insert answer separators that allow you to check word count.  Spell check is available from the tools menu, but does not check automatically as you type.  The multiple choice menu will pull up the multiple choice/true false response sheet.

    Exam4  demo Essay Response

    MAKE SURE YOU ENTER YOUR MULTIPLE CHOICE ANSWERS IN THE MULTIPLE CHOICE AREA OF EXAM4. Answers are saved as you enter them and you can then click the "hide" button to go back to the essay portion of Exam4.

    Exam 4 Multiple Choice Answers

    Step 11: Notice on the right you have the ability to keep track of word count within each answer. There is also a timer. It is possible to set timers for one hour remaining, 15 minutes remaining, and five minutes remaining. When there is less than one minute remaining, the area above the timer will say "less than one minute remaining." Keep in mind that there is not a pop up reminder when there is less than one minute remaining. Lastly, make sure that you keep your timer visible.

    If you are still working on your test when you set a timer and the time runs out, you will receive a message that looks like this (below). You should immediately close your exam. Note: The timer is a notification that your test time has run out. Exam4 will not end the test for you, You must close and submit the test as described in the steps below.

    Step 12: To close your exam, select End test and then choose End test Now. 

    Step 13:  The software will ask you to confirm your choice to end the exam. Click to confirm and then on Okay, end exam.

    Step 14: Choose the Submit Electronically button and click okay.

     

    A box will pop up that says "Exam Submittal Successful. Please note you will NOT receive an upload notification email from Exam4.

    Step 15: To exit the software, select exit from the File and Save Options tab. In the pop-up screen, check "I'm sure" and then Exit test Software. At this point you have successfully taken and submitted your exam. You're done!

    If you have any technical issues or questions, contact lawit@colorado.edu or visit https://www.exam4.com/support/.  

    If you have any questions about the test process, contact the Registrar at lawreg@colorado.edu.

    Checklist before taking your exam: 

  • Verify that you have downloaded and installed the Exam4 software package for the current test season.
  • Turn off auto updates on your computer.
  • Close all other programs (Word, Safari, Chrome, etc.)
  • Reboot your computer before each test (very important).
  • Have your unique six-digit test ID ready for this exam.  Lookup the test ID at https://www.colorado.edu/law/examid.  Remember, each test has its own unique test ID for each student and document ID (all students have the same document ID in any given class).
  • Have your laptop's power adapter handy.
  • A healthy computer is less likely to experience problems during an exam.  Be sure your computer is free of malware and operating normally.  Instructions for running TrendMicro's free HouseCall malware scanner are available for macOS and Windows.  Contact Law School Information Technology at lawit@colorado.edu if you have questions about your computer's fitness for exams.

    Before Exams Begin

    Prior to taking an exam, test takers should make sure they have the Exam4 software package for the current test season. This can be checked by opening Exam4 and verifying the version dates. 

    If you are taking an test at the law school, make sure you are connected to the UCB Wireless network. Otherwise, you will not be able to submit your exam. Directions about connecting to the university network can be found here.

    Exam takers should ensure their laptop is ready to go and fully charged. Have your power adapter for your laptop handy.

      General test Information
  • Download the Exam4 software package ahead of time.
  • Computer-based timers which count time and provide countdown alerts are acceptable. These will not work with CLOSED mode exams. Students are responsible for testing to make sure the timer works with the test mode of their exam(s).
  • If you need to use the restroom during an exam, the time on your test will continue to count down.
  • Make sure you know what materials your professor allows during the test and whether or not you are allowed to copy/paste. 
  • Do not discuss the test afterwards with other students as they might be taking it at a later date. If you have questions or concerns about the exam, contact the Law Registrar's Office, not your professor. Do not email your professor about anything related to exams until after the test and grading period is complete. This preserves anonymity for grading purposes.
  • Students must work on their test in the Exam4 software. It causes errors if students draft their test in Word or some other program and then copy/paste their test into Exam4. Students are expected to write and edit their test only in Exam4. Even if allowed in the test setting, students should not copy and keep any portion of their submitted test on their computer.
  • The timer in Exam4 is a notification that your test time has run out.  Be aware that you must close and submit the exam.  Exam4 will not end the test when your time runs out!
  • NOTE: The use of dual screens is allowed for law school exams. It is advisable that students who wish to use more than one computer screen do a practice questions to ensure it will work with your setup. This is especially true for Mac users. Dual screens will not work with the test modes of CLOSED or OPEN-LAPTOP. Dual screens will only work with test mode of TAKEHOME.
  • Rescheduled Exams

    The Registrar’s Office coordinates all rescheduled exams and communicates with students about the date and time accordingly. test rescheduling is governed by law school rules. Inquiries can be directed to the Law Registrar’s Office at lawreg@colorado.edu. Exam takers with approved rescheduled exams take their exams remotely. Do you contact your professor asking to reschedule your exam.

    Students With Accommodations

    Exam takers who are registered with Disability Services work directly with the Law Registrar’s Office. Inquiries can be made to lawreg@colorado.edu.

    Computer issues

    See the "Getting Help" tab for how to acess help during remote exams. Help is available during regular business hours. Most IT issues can be avoided by taking the practice test and trying out dual screen setups in advance.

    It is extremely important for students to get the Exam4 software prior to each test season and take a practice exam. This helps to identify potential laptop malfunctions ahead of time. The law school has a limited number of emergency laptops available on a first come, first serve basis.

    Sometimes Exam4 causes your computer to change back to the factory default background picture setting after you exit the program. Therefore, you may need to change your background picture back to what it was prior to using the software (if applicable).

    Honor Code

    Students are held to the Honor Code at the law school and the CU Student Code of Conduct. It is recommended that all test takers review it prior to exams. 

    Exam Day
  • Earplugs, sound muffling earmuffs, and headphones are acceptable if you are taking exams at the law school.
  • A wristwatch or little clock is okay as long as it does not make noise.
  • Do not use items, materials, or resources not allowed by the professor. Remember the Honor Code.
  • Make sure to use a power cord.
  • Starting Exams

    All exams occur remotely and are not proctored. test questions will appear in the Exam4 software once proper credentials have been inputted. This is when the timer for your test begins (if the test is timed).

    1) Put in your unique, six-digit test ID:

    Exam4  test ID, course selection and  test code info.

    2) Confirm your settings.

    Exam4 confirmation screen

    3) Set your timer (if desired) and view preferences. 

    Exam4 timer and view settings.

    4) Acknowledge the honor code and instructions.

    Exam4 honor code acceptance.

    5) The test Mode settings should be pre-populated for you.

    Verify  test mode for Exam4.

    6) The test time begins once students input the Document ID on the next page.

    Exam4 Begin Exam

    7) Access your test questions by clicking on the test Document button.

    8) Enter the Document ID and click "Fetch" to retrieve the test questions. Your test time doesn't begin until you can see the questions.

    Exam4 saves information for your exam.  Exam4 tracks time spent on the exam, but will not automatically close the test when your time runs out. It is the student's responsibility to self-monitor their time and close the test on time.  To finish and close an exam, click on on the upper-left hand corner “End Exam” button and "End test Now."  The test will close and the student will be prompted to submit their exam.  Exam4 will then upload the test to the Colorado Law Exam4 Receiver. Please note that Exam4 does not send out upload notification emails. Students can close out Exam4 and go back into the software to see their confirmation by clicking on the "Select Existing Exam" and then click on "View test Submittal Receipt" to see their test submission.

    Any questions or concerns about the test should be directed to the Registrar’s Office and not the professor to preserve anonymity for grading purposes.  

      Each test you take has a unique, anonymous six-digit ID assigned to you.  You can look up the test IDs that you have been assigned for your exams at https://www.colorado.edu/law/examid.  NOTE: All Exam4 exams will occur remotely. test questions will appear in the software once the test begins.

    Exam4 is Colorado Law's secure testing software.  Essentially, it is an electronic bluebook for essay and short answer responses and an electronic bubble sheet for multiple choice and true/false responses.  You will need to get a new version of the Exam4 software package for each test season AND take a practice test for each test season.

    TAKEHOME: What you use for a take-home exam. You may access your hard drive, other applications and the internet. You will be able to cut and paste external text into your exam. You may go into and out of this test as many times as you want during the 9-hours that you are working your exam. Once you have exited an test in the CLOSED, OPEN or OPEN +NETWORK mode, you will not be able to get back into it. You may exit an test in TAKEHOME mode, it will be saved, and you can start it again later.

    CLOSED: You have access only to the test you are typing. You may not access your hard drive, applications, or the internet. Once you end your exam, you may not go back and re-edit it.Your computer will run through a 1-2 minute security check prior to beginning. If your computer fails the security check, you can try re-booting and re-starting the software. If this doesn’t work, you should contact IT for help. Students can only use one computer screen and must not be connected to a VPN.

    OPEN-LAPTOP: You may access your hard drive and other applications, but do not have access to the internet. Make sure to print and/or get any materials you need before starting an exam. Students can only use one computer screen and must not be connected to a VPN. Once you end your exam, you may not go back and re-edit it.

    We highly recommend that you take a practice test to familiarize yourself with Exam4. It is easy to use, but puts responsibility on the student for formatting/sectioning their essay responses, timing the exam, and for spell check.

    Yes, Exam4 has a spell check function available in the tools menu.  However, Exam4 will not check spelling as you type.

    Exam4 supports select, undo/redo, copy/paste, and delete.  If your test mode is OPEN or OPEN + Network, you can copy/paste between Exam4 and your applications. Do not copy/paste between Exam4 and your other applications (such as Microsoft Word). You are expected to draft your test in the software. It may cause errors to your test or it may not save properly if you draft your test outside of the software. Make sure you know what materials your professor will allow you to use during the test and whether or not you are allowed to copy/paste. It is not possible to copy/paste content from the test questions into the test answer area.

    The Answer Separator is a feature of Exam4 that allows you to separate out the word counts by question. Do NOT edit the Answer Separators in any way – it will not count your words correctly if you do.

    Yes, you can choose to either show or hide the document stats for your test by clicking a box on the right that says "Show/Hide Doc Stats" (see the practice test tab for a picture of this). The Answer Separator in Exam4 allows you to separate word count by question. If you alter the Answer Separators in any way it will not count your words correctly.

     

    It is not possible to annotate or make notes in the test software itself. Students need to make notes on paper if they would like before drafting a final answer in Exam4. Notes should be shredded once the test is complete. Students can highlight portions of the test questions to reference while they are taking an exam.

    If a student loses internet access during an exam, they will be able to continue working on it if the test is in TAKE HOME mode. From Exam4's point of view, the only issue is that they cannot fetch the test questions again. So long as you do not close the questions, you will be okay. While the internet is down, the test file will remain saved on your computer with all the secure time stamps, etc., so the student can upload it later. If you lose internet in other test modalities (OPEN, OPEN+Network, or CLOSED), report the issue to the Law Registrar or IT.

    Fall 2023 Law School test Schedule

     

     

    Last Day Of Class For Fall 2023: December 8, 2023

    Exams should be taken and submitted using Mountain Time (MT). If you are no longer in Colorado and in a different time zone, please plan accordingly. Make sure you review the test schedule. Exam4 exams will not be proctored. Do not contact your professor about the test for any reason. All exams will be taken remotely. If you write anything on scratch paper during your exam, make sure to shred it once your test has been submitted.

    Students must upload their test answers by test deadline listed on the schedule using Mountain Time.  

    The test Document ID for the "Practice Exam" is D0000000.

    Total time spent on exams is only reported to faculty in instances where students went over the allowed test time (which may vary with accommodations).

    Reminders For Exams: 

  • NOTE: The use of dual screens is allowed for law school exams . It is advisable that students who wish to use more than one computer screen do a practice questions to ensure it will work with your setup.
  • If you need to use the restroom during a timed exam, please do so. The time on your test will continue to count down.  
  • Make sure you know what materials your professor will allow and whether or not you are allowed to copy/paste. Follow all directions given to you (if any) about what to do with the test questions after completing your exam(s). 
  • Do not discuss the test afterwards with other students as they might be taking it at a later date. If you have questions or concerns about the exam, contact the Registrar's Office, not your professor.
  • Do not email your professor about anything related to exams until after the test and grading period is complete. This preserves anonymity for grading purposes.  
  • Students are held to the Honor Code at the law school and the CU Student Code of Conduct. It is recommended that all test takers review it prior to exams. 
  • Final course grades are due from faculty in early January for fall term and late May for spring term. Grades are posted as they are received. Grading will utilize normal A-F grading. Non-law, LLM, and MSL students are not subject to the B+ median.
  •  

     

     

     

     

     

     

     

    Watch a short Exam4 demo for macOS or Windows

    Loaner test Laptops are available.  If you have any doubts or concerns about your computer’s OS version, performance, or reliability for exams, you may request a loaner laptop from Law IT at lawit@colorado.edu.  test laptops may be picked up now or at any time before finals and returned at the beginning of the spring semester.

    If you are taking an test at the law school, make sure you are connected to the UCB Wireless network. Otherwise, you will not be able to submit your exam. Directions about connecting to the university network can be found here.

    How To Handle Loss Of Internet Access and/or Power During An Exam: If a student loses internet access and/or power during an exam, they will be able to continue working on it if in TAKE HOME mode. From Exam4's point of view, the only issue is that they cannot fetch the test questions again. Exam4 saves your work often. If you are in OPEN, OPEN+Network, or CLOSED mode and lose internet, reach out to the Law Registrar or IT.

    If you need immediate assistance during exams (or the week before), contact lawreg@colorado.edu or call 303-492-1865/303-492-6755 (as a backup option). Staff will help you through your technical questions. It is important to take a practice test to ensure viability of your laptop for the upcoming test period. If you have questions about the test questions themselves, you should address this in your test answer.

    If you have any problems or confusion with specific test questions, please address those issues within your test answer. Do not contact the Registrar or your professor with questions regarding the content of your exam.

    Why is there a grey rectangle blocking my screen? See here for instructions to fix this Mac issue.

    How can I fix scaling issues if I cannot see the entire test question? See here.

    How To Fix Your Settings If You Have Trouble Seeing Multiple Choice Area


     


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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