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 CHA?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der CHA: Certified Hotel Administrator (AHLEI CHA) 2023 Prüfung.

2023 Updated Actual CHA questions as experienced in Test Center

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Hospitality CHA : Certified Hotel Administrator (AHLEI CHA) 2023 exam Dumps

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Latest 2023 Updated Hospitality Certified Hotel Administrator (AHLEI CHA) 2023 Syllabus
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Exam Number : CHA
Exam Name : Certified Hotel Administrator (AHLEI CHA) 2023
Vendor Name : Hospitality
Update : Click Here to Check Latest Update
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CHA exam Format | CHA Course Contents | CHA Course Outline | CHA exam Syllabus | CHA exam Objectives

General managers and hospitality executives provide leadership to every level of a hospitality operation. They establish the vision and lead their staff in executing it. Their dedication to the hospitality industry is evident in the way they seek out continuing education, manage their employees, and ensure the financial success of the property. The Certified Hotel Administrator is a prestigious certification that recognizes these leadership and managerial skills. ​

The CHA has been reformatted to be more convenient for you as a busy hospitality executive. Program features include:

Review material on the go. You can obtain program content to your computer, mobile device or tablet for offline reading.

A new section on revenue management

Content organized by Topic in a modular format that makes it easy to review material in any order

A practice quiz with each module that can be taken as many times as needed

A new certification exam format where you can take questions at the end of each module rather than having to take one comprehensive final exam.

You can earn the CHA designation if you have been employed for two years (and are currently employed) in one of these qualifying positions:

General manager, owner/operator in a lodging hospitality company, or corporate executive* at a lodging hospitality company responsible for the operation of two or more properties

Assistant general manager or director of operations/rooms division (after successfully completing the CRDE certification)

Candidate Time in Position: 2 years.

The time in position requirement can be reduced by one year by meeting the following conditions:

One current AHLEI department head certification (limit 1)

A degree from an accredited academic institution (limit 1)

* A corporate executive is defined as an individual, employed by a firm responsible for the operation of two or more properties, who serves as a regional or corporate director of operations, or has ultimate corporate responsibility for rooms, marketing, finance, food and beverage, revenue management, human resources or engineering.

How to Apply

Access the online application

Have the following documents available to upload:

Current Resume

Job Description

Employment Verification Form (signed by your immediate supervisor)

Copy of diploma or transcripts

Once AHLEI has reviewed your application, you will receive an email accepting you into the program. That email will contain a link where you can order the CHA review online and pay the program fee.

Resource Materials

The Certified Hotel Administrator review program is a self-paced online program that helps you prepare for the CHA certification exam. You can access it online or obtain the content into a mobile device, tablet or computer.

The program is segmented by modules with Topics including:

Financial Management

Food and Beverage Management

Human Resources


Marketing and Sales

Revenue Management

Rooms Management

You can focus on one area at a time in any order. Each module includes a practice quiz that you can take as many times as you wish before attempting to take any final sections of the certification exam.

Review Session

You can participate in an informally led review workshop and then take the CHA exam.

Review classes and exam sessions are open to any CHA candidate unless otherwise stated.

Typically a review session begins at 8 a.m. and ends at noon. After a break for lunch, you can take a proctored exam. All review classes and exam sessions are subject to change without notice. Some review sessions may require a nominal registration fee payable to the sponsoring organization.


The final CHA certification exam is broken down by sections at the end of each module. Each section of the final exam has 35 questions that you are allowed 35 minutes to complete. To pass, you must achieve 70 percent or higher on each segment. You have two attempts to pass each section of the final certification exam. If you do not achieve a passing score, you can purchase two additional retakes for $100 per section.

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Hospitality Administrator exam syllabus


UPSC Syllabus: A Comprehensive Guide to Cracking the Civil Services Exam

The Union Public Service Commission (UPSC) examination is one of the most prestigious and competitive exams in India.

UPSC Syllabus: A Comprehensive Guide to Cracking the Civil Services Exam

UPSC Syllabus


Aspirants from all corners of the country dream of joining civil services to serve the nation and bring about positive change. However, cracking the UPSC exam requires meticulous preparation and a thorough understanding of the UPSC syllabus.

Understanding the UPSC Syllabus

The UPSC syllabus is vast and covers a wide range of subjects, testing the candidates' knowledge, analytical abilities, and decision-making skills. It is divided into three stages: the Preliminary Exam, the Main Exam, and the Personality Test (Interview).

Preliminary Exam

The first stage of the UPSC exam is the Preliminary Exam, commonly known as the Prelims. It comprises two papers: General Studies Paper I and General Studies Paper II (Civil Services Aptitude Test or CSAT).

General Studies Paper I

This paper covers diverse subjects, including History, Geography, Polity, Economy, Science, and Current Affairs. Aspirants must focus on important historical events, Indian and World Geography, Indian Polity and Constitution, Economic concepts, and current affairs.

General Studies Paper II (CSAT)

The CSAT evaluates candidates' comprehension, reasoning, analytical, and decision-making skills. Aspirants must excel in areas such as memorizing Comprehension, Logical Reasoning, Quantitative Aptitude, and Data Interpretation.

Main Exam

Those who clear the Prelims move on to the Main Exam. This stage is more extensive and comprises nine papers, of which two are qualifying in nature: English and any Indian language.

Essay Writing

Candidates are required to write two essays, each carrying 125 marks. They must demonstrate their articulation, critical thinking, and presentation skills.

General Studies Papers

The General Studies papers include subjects like Indian Heritage and Culture, History, Geography, Polity, Governance, Social Justice, Technology, and Ethics.

Optional Subject

Aspirants have the option to choose one subject from a list of disciplines, such as Literature, History, Geography, Economics, etc. They must develop an in-depth understanding of their chosen subject.

Personality Test (Interview)

Candidates who qualify for the Main exam are called for the Personality Test. It assesses their personality traits, communication skills, and overall suitability for a career in civil services.

Tips for Cracking the UPSC Exam

Cracking the UPSC exam is a daunting task, but with the right approach, it can be achieved. Here are some essential tips to enhance your chances of success:

Start Early and Be Consistent

Begin your preparation well in advance and create a study schedule that includes regular revisions and mock tests.

Analyze Previous Years' Question Papers

Understanding the pattern and types of questions asked in previous years can provide you valuable insights and help you strategize your preparation.

Read Newspapers and Stay Updated

Stay updated with current affairs by memorizing newspapers and magazines regularly. Focus on both national and international news.

Practice Answer Writing

Answer writing is a crucial skill for the UPSC exam. Practice writing detailed and coherent answers to Improve your presentation.

Seek Guidance and Mentorship

Enrol in reputable coaching institutes or seek guidance from experienced mentors who can provide valuable tips and insights.


The UPSC syllabus is a comprehensive guide to cracking the civil services examination. It demands perseverance, dedication, and a passion for serving the nation. By understanding the syllabus, formulating a strategic study plan, and staying committed to your goals, you can embark on a successful journey towards becoming a civil servant.

Pre-Employment Exams: What Are They, And How Can You Prepare?

Over the past several years, employment exams have become an integral part of the job search process. The scope, analysis and details of each exam is different by industry and exam type. Countless employers and job boards are utilizing these exams to pre-screen applicants before they enter their system for review, thereby minimizing administrative costs while increasing efficiency.

First and foremost, it’s important to understand that pre-employment exams are nothing new. Employers have always screened candidates (via things like drug tests and reference checks) to determine whether they would be a good fit for their organization. What has changed, however, is the format of these exams and the purpose. Assessments are now used to determine a candidate’s aptitude, performance and personality. By scoring and sorting through applicants blindly, employers feel they can select the best candidates to interview — solely on qualifications and skills alone.

So, if you have recently started the job search process and are confused (or, frankly, a bit anxious) by the thought of these exams, you shouldn’t be. Here are the types of exams being utilized, what they measure and how you can prepare.

There are two types of exams: employee-driven and employer-driven.

An employee-driven exam is one that you take on your own — without prompting — in order to highlight your skills within your field. These exams are available through various job sites, such as LinkedIn, which provide aptitude tests based on industry. Other types of exams result in a certification (such as PMP, Six Sigma or CFM). Once passed, these tests and/or certifications can be displayed on your profile and resume to strengthen your candidacy.

An employer-driven exam is generally given alongside a job application so that an employer can determine if you are, in fact, qualified for the position. Employer exams, such as through Indeed, are designed to measure industry-specific and general aptitude skills. Since these are not initiated by the employee but rather through the employer, I find that these exams are what make my clients the most nervous.

Both exams are targeted in their design and specific in their purpose.

Whether employee- or employer-driven, both exams demonstrate that your skills and abilities go beyond what is written on your resume. Each exam is created to assess a wide variety of attributes and skills, in a technical and emotional capacity.

Questions for these exams typically revolve around:

• Hard skills: Do you have the proficiency level required for the role?

• Operations: In on-the-job scenarios, how well can you handle daily tasks?

• Abilities: How do you handle yourself when things don’t go as expected?

• Personality: Does your personality align with what the role requires?

These factors can be tested individually or combined in order to find the perfect candidate that fits a company’s long-term goals and objectives. For example, Marie is applying for a role as a retail sales manager. The role requires the ability to handle various changing needs, strong customer service skills and proficiency in Microsoft Office. The employer has decided to utilize an Indeed exam to measure just how well Marie can perform. They test her hard skills (asking questions pertaining to Microsoft Office), provide her on-the-job scenarios (to see how well she tackles customer concerns), throw in an obscure situation (what does she do when someone tries to steal?) and ask questions to gauge her personality type. The exam takes about 25 minutes and provides an all-encompassing picture for the company to review.

How can you prepare for an employer-driven exam when you are not given the questions in advance?

While employee-driven exams can be taken several times and/or studied for, an employer-driven exam cannot be. It is a one-shot deal, and there are no study guides or Cliff notes. This should not deter or frighten you from taking these exams. Why? You are applying for a role that you qualify for, so the questions and scenarios should all be ones that you know. Regardless, there are still ways you can prepare.

• Practice: There are various IQ and skills tests online that you can take to simply get used to taking a timed exam on a computer. Best of all, they are free to use.

• Research: Read through the description of the job and company to ensure you understand their mission and vision and what it is they are looking for in a candidate.

• Wait: Some exams allow you to start them separately from your application. I strongly recommend completing your application and then taking a short break (10-15 minutes) before starting your exam. Assessments should be completed the same day in order to get your application into the system, so please don’t wait too long, but taking a few minutes to ensure there are no distractions and you are in the right frame of mind will prove to be beneficial.

• Do not rush: Even if the exam is timed, read through each question and the corresponding directions thoroughly. The purpose isn’t always to complete every question in the allotted amount of time, but rather to see how well you perform under pressure. Details and accuracy are more important than finishing quickly, so focus.

Exams and exams often invoke fear, but in this case, they should cause you to feel empowered rather than uncertain. Be confident in your abilities and detailed in your approach. As Helen Keller is often credited with saying, “Optimism is the faith that leads to achievement. Nothing can be done without hope and confidence.” You are capable, prepared and qualified — these exams are merely a means to prove that!

JEE Main 2024: Registration Dates, Top IIT Engineering Colleges, Syllabus, How to Prepare For Exam

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  • JEE Main 2024: Registration Dates, Top IIT Engineering Colleges, Syllabus, How to Prepare For Exam
  • JEE Main 2024 Session 1 is expected to be conducted in February. JEE Aspirants must note that this date is purely tentative and the officials have not made any official confirmation yet. Check top IIT Engineering colleges, syllabus, how to prepare for exam. JEE Main 2024 Registration Expected Soon; Tentative Dates, Top Engineering Colleges, Details Here

    JEE Main 2024: Cracking a competitive examination can be a challenging task. There is no substitute for hard work. Every year, thousands of students appear for the examinations; some fail to get admission to the top engineering colleges in India. Aspirants preparing for JEE Main 2024 may have various queries about how to compete for the exam(particularly if they plan to study at home without coaching). In this article, they will update you with all the important details such as registration dates, syllabus, exam pattern, top colleges, NIRF Rankings, last year’s cut-off, factors that affect cut-off, and tips to follow during the preparation period. Whether you are starting your preparation early or a little later, these suggestions will provide you an advantage over other students. They will help you create a solid foundation in Physics, Chemistry, and Mathematics.

    Has NTA Released JEE Main 2024 Registration Dates?
  • No, National Testing Agency has not announced, JEE Main 2024 Registration Dates. If going by the media reports, JEE Main 2024 Session 1 is expected to be conducted in February. JEE Aspirants must note that this date is purely tentative and the officials have not made any official confirmation yet. Along with the IIT JEE application form, NTA will release the information bulletin on its website – nta.ac.in and jeemain.nta.nic.in. The JEE (Main) – 2023 was conducted in two sessions for admissions in the academic session.
  • This will provide two opportunities to the candidates to Improve their scores in the examination if they are not able to provide their best in one attempt. In the first attempt, the students will get a first-hand experience of taking an examination and will know their mistakes which they can Improve while attempting for the second time. This will reduce the chances of dropping a year and droppers would not have to waste an entire year.
  • Is NTA Planning to Release Common exam Calendar For This Year?
  • The National Testing Agency is likely to release the common examination calendar for the academic year 2024-25. Last year, NTA released the examination calendar at nta.ac.in. The exam calendar will consist of the name of the examination, dates of examinations, and reserve dates.
  • JEE Main Cut Off(Last Year)

  • General: 88.4121383
  • OBC-NCL: 67.0090297
  • SC: 43.0820954
  • ST: 26.7771328
  • GEN-EWS: 63.1114141
  • Gen-PwD: 0.0031029
  • Factors Affecting Cut-Off

  • Number of candidates who have appeared for the examination.
  • Minimum qualifying score
  • Number of candidates who have registered for the examination.
  • Colleges to Aim  List Of Top Engineering Colleges As Per NIRF Rankings 2023
  • Rank 1: Indian Institute of Technology (IIT) Madras
  • Rank 2: Indian Institute of Technology(IIT) Delhi
  • Rank 3: Indian Institute of Technology(IIT) Bombay
  • Rank 4: Indian Institute of Technology(IIT) Kanpur
  • Rank 5:Indian Institute of Technology(IIT) Roorkee
  • Rank 6: Indian Institute of Technology (IIT) Kharagpur
  • Rank 7: Indian Institute of Technology (IIT) Guwahati
  • Rank 8: National Institute of Technology Hyderabad
  • Rank 9: National Institute of Technology Tiruchirappalli
  • Rank 10: Jadavpur University
  • List Of Top Engineering Colleges As Per NIRF Rankings 2022
  • Rank 1: Indian Institute of Technology (IIT) Madras
  • Rank 2: Indian Institute of Technology(IIT) Delhi
  • Rank 3: Indian Institute of Technology(IIT) Bombay
  • Rank 4: Indian Institute of Technology(IIT) Kanpur
  • Rank 5:Indian Institute of Technology(IIT) Kharagpur
  • Rank 6: Indian Institute of Technology (IIT) Roorkee
  • Rank 7: Indian Institute of Technology (IIT) Guwahati
  • Rank 8: National Institute of Technology Tiruchirappalli (NIT Trichy)
  • Rank 9: Indian Institute of Technology(IIT) Hyderabad
  • Rank 10: National Institute of Technology (NIT) Karnataka, Surathkal
  • JEE Main 2024 Syllabus

    The details of the syllabus are given on the website: https://jeemain.nta.nic.in/.

    Syllabus for Paper-1 (B.E./B.Tech.)- Mathematics, Physics, and Chemistry:

  • UNIT 1: SETS, RELATIONS, AND FUNCTIONS: Sets and their representation: Union, intersection, and complement of sets and their algebraic properties; Power set; Relation, Type of relations, equivalence relations, functions; one-one, into and onto functions, the composition of functions.
  • UNIT 2: COMPLEX NUMBERS AND QUADRATIC EQUATIONS:Complex numbers as ordered pairs of reals, Representation of complex numbers in the form a + ib and their representation in a plane, Argand diagram, algebra of complex number, modulus, and argument (or amplitude) of a complex number, square root of a complex number, triangle inequality, Quadratic equations in real and complex number system and their solutions Relations between roots and co-efficient, nature of roots, the formation of quadratic equations with given roots.
  • UNIT3: MATRICES AND DETERMINANTS: Matrices, algebra of matrices, type of matrices, determinants, and matrices of order two and three, properties of determinants, evaluation of determinants, area of triangles using determinants, Adjoint, and evaluation of inverse of a square matrix using determinants and elementary transformations, Test of consistency and solution of simultaneous linear equations in two or three variables using determinants and matrices.UNIT 4: PERMUTATIONS AND COMBINATIONS:The fundamental principle of counting, permutation as an arrangement and combination as section, Meaning of P (n,r) and C (n,r), simple applications.
  • UNIT 5: MATHEMATICAL INDUCTIONS:Principle of Mathematical Induction and its simple applications.
  • UNIT 6: BINOMIAL THEOREM AND ITS SIMPLE APPLICATIONS:Binomial theorem for a positive integral index, general term, and middle term, properties of Binomial coefficients, and simple applications.
  • UNIT 7: SEQUENCE AND SERIES:Arithmetic and Geometric progressions, insertion of arithmetic, geometric means between two given numbers, Relation between A.M and G.M sum up to n terms of special series; Sn, Sn2, Sn3. Arithmetico-Geometric progression.
  • JEE Main 2024 Syllabus For Physics

  • UNIT 6: GRAVITATION: The universal law of gravitation. Acceleration due to gravity and its variation with altitude and depth. Kepler’s law of planetary motion. Gravitational potential energy; gravitational potential. Escape velocity, Orbital velocity of a satellite. Geo stationary satellites.
  • UNIT 7: PROPERTIES OF SOLIDS AND LIQUIDS: Elastic behaviour, Stress-strain relationship, Hooke’s Law. Young’s modulus, bulk modulus, modulus of rigidity. Pressure due to a fluid column; Pascal’s law and its applications. Viscosity. Stokes’ law. terminal velocity, streamline, and turbulent flow. Reynolds number. Bernoulli’s principle and its applications. Surface energy and surface tension, angle of contact, application of surface tension – drops, bubbles, and capillary rise. Heat, temperature, thermal expansion; specific heat capacity, calorimetry; change of state, latent heat. Heat transfer-conduction, convection, and radiation. Newton’s law of cooling.UNIT 8: THERMODYNAMICS: Thermal equilibrium, zeroth law of thermodynamics, the concept of temperature. Heat, work, and internal energy. The first law of thermodynamics. The second law of thermodynamics: reversible and irreversible processes. Carnot engine and its efficiency
  • JEE Main 2024 Syllabus For Chemistry

  • UNIT 5: CHEMICAL THERMODYNAMICS: Fundamentals of thermodynamics: System and surroundings, extensive and intensive properties, state functions, types of processes.
  • (For more details, refer to JEE Main 2023 Information Bulletin shared on the official website.)

    JEE Main 2024 Official Websites
  • jeemain.nta.nic.in

  • jeemain.nta.nic.in 2024

  • nta.ac.in

  • Strategies To Clear exam In One Go
  • Make a Definite Study Timetable: Make a study timetable in such a way that you divide equal time for each subject. Make sure you sincerely stick to your timetable.

  • Set You Goal For Every Day: Divide the Topics you have to cover.
  • Check/Know the Syllabus of JEE Main: Before starting the preparation for the examination, it is extremely important for aspiring students to know and understand the syllabus in detail. Understanding the JEE Main 2024 syllabus will help the student to prepare well.

  • Change in Habits – Meditate And Exercise/Healthy Lifestyle: It is rightly said that Health is wealth therefore students preparing for the entrance test should not compromise their health. They should meditate and exercise regularly. Medication can Improve your concentration and exercise will keep you healthy. To avoid distractions, try to reduce the usage of social media.
  • Revision of Topics: While preparing for the exams, it is important to revise all Topics daily. As all chapters and subjects are important, hence it is best to divide your time equally for all subjects/ Topics instead of focusing only on a couple of them. For any exam, revision acts as an important key factor.

  • Mock Test/Solve Previous Year’s question paper: Solve previous year’s question papers. Practicing mock tests acts as a great source of revision. This helps students Improve their preparation levels. Solving question papers regularly can help you analyze your preparation. You will be able to identify your mistakes and weak areas.

  • Be Calm And Composed: With just a few months left for the entrance examination, it is essential for the students to stay calm and composed. All national-level entrance exams have always had a ring of anxiety and nervousness on students. It is important that students get the right amount of sleep before the exam. Depriving oneself of sleep can result in fatigue and a high-stress level with a drop in concentration level.
  • NOTE: Please keep a note that the dates mentioned in this article are tentative, therefore, eligible JEE candidates are advised to keep an eye on the official website of NTA, nta.ac.in, jeemain.nta.nic.in for all the latest updates regarding JEE Main 2024.

    Don’t Miss Out on the Latest Updates.Subscribe to Their Newsletter Today!

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    CHA - Certified Hotel Administrator (AHLEI CHA) 2023 answers
    CHA - Certified Hotel Administrator (AHLEI CHA) 2023 testing
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    Warum sind Cyberrisiken so schwer greifbar?

    Als mehr oder weniger neuartiges Phänomen stellen Cyberrisiken Unternehmen und Versicherer vor besondere Herausforderungen. Nicht nur die neuen Schadenszenarien sind abstrakter oder noch nicht bekannt. Häufig sind immaterielle Werte durch Cyberrisiken in Gefahr. Diese wertvollen Vermögensgegenstände sind schwer bewertbar.

    Obwohl die Gefahr durchaus wahrgenommen wird, unterschätzen viele Firmen ihr eigenes Risiko. Dies liegt unter anderem auch an den Veröffentlichungen zu Cyberrisiken. In der Presse finden sich unzählige Berichte von Cyberattacken auf namhafte und große Unternehmen. Den Weg in die Presse finden eben nur die spektakulären Fälle. Die dort genannten Schadenszenarien werden dann für das eigene Unternehmen als unrealistisch eingestuft. Die für die KMU nicht minder gefährlichen Cyber­attacken werden nur selten publiziert.

    Aufgrund der fehlenden öffentlichen Meldungen von Sicherheitsvorfällen an Sicherheitsbehörden und wegen der fehlenden Presseberichte fällt es schwer, Fakten und Zahlen zur Risikolage zu erheben. Aber ohne diese Grundlage fällt es schwer, in entsprechende Sicherheitsmaßnahmen zu investieren.

    Erklärungsleitfaden anhand eines Ursache-Wirkungs-Modells

    Häufig nähert man sich dem Thema Cyberrisiko anlass- oder eventbezogen, also wenn sich neue Schaden­szenarien wie die weltweite WannaCry-Attacke entwickeln. Häufig wird auch akteursgebunden beleuchtet, wer Angreifer oder Opfer sein kann. Dadurch begrenzt man sich bei dem Thema häufig zu sehr nur auf die Cyberkriminalität. Um dem Thema Cyberrisiko jedoch gerecht zu werden, müssen auch weitere Ursachen hinzugezogen werden.

    Mit einer Kategorisierung kann das Thema ganzheitlich und nachvollziehbar strukturiert werden. Ebenso hilft eine solche Kategorisierung dabei, eine Abgrenzung vorzunehmen, für welche Gefahren Versicherungsschutz über eine etwaige Cyberversicherung besteht und für welche nicht.

    Die Ursachen sind dabei die Risiken, während finanzielle bzw. nicht finanzielle Verluste die Wirkungen sind. Cyberrisiken werden demnach in zwei Hauptursachen eingeteilt. Auf der einen Seite sind die nicht kriminellen Ursachen und auf der anderen Seite die kriminellen Ursachen zu nennen. Beide Ursachen können dabei in drei Untergruppen unterteilt werden.

    Nicht kriminelle Ursachen

    Höhere Gewalt

    Häufig hat man bei dem Thema Cyberrisiko nur die kriminellen Ursachen vor Augen. Aber auch höhere Gewalt kann zu einem empfindlichen Datenverlust führen oder zumindest die Verfügbarkeit von Daten einschränken, indem Rechenzentren durch Naturkatastrophen wie beispielsweise Überschwemmungen oder Erdbeben zerstört werden. Ebenso sind Stromausfälle denkbar.

    Menschliches Versagen/Fehlverhalten

    Als Cyberrisiken sind auch unbeabsichtigtes und menschliches Fehlverhalten denkbar. Hierunter könnte das versehentliche Veröffentlichen von sensiblen Informationen fallen. Möglich sind eine falsche Adressierung, Wahl einer falschen Faxnummer oder das Hochladen sensibler Daten auf einen öffentlichen Bereich der Homepage.

    Technisches Versagen

    Auch Hardwaredefekte können zu einem herben Datenverlust führen. Neben einem Überhitzen von Rechnern sind Kurzschlüsse in Systemtechnik oder sogenannte Headcrashes von Festplatten denkbare Szenarien.

    Kriminelle Ursachen


    Hackerangriffe oder Cyberattacken sind in der Regel die Szenarien, die die Presse dominieren. Häufig wird von spektakulären Datendiebstählen auf große Firmen oder von weltweiten Angriffen mit sogenannten Kryptotrojanern berichtet. Opfer kann am Ende aber jeder werden. Ziele, Methoden und auch das Interesse sind vielfältig. Neben dem finanziellen Interesse können Hackerangriffe auch zur Spionage oder Sabotage eingesetzt werden. Mögliche Hackermethoden sind unter anderem: Social Engineering, Trojaner, DoS-Attacken oder Viren.

    Physischer Angriff

    Die Zielsetzung eines physischen Angriffs ist ähnlich dem eines Hacker­angriffs. Dabei wird nicht auf die Tools eines Hackerangriffs zurückgegriffen, sondern durch das physische Eindringen in Unternehmensgebäude das Ziel erreicht. Häufig sind es Mitarbeiter, die vertrauliche Informationen stehlen, da sie bereits den notwendigen Zugang zu den Daten besitzen.


    Obwohl die Erpressung aufgrund der eingesetzten Methoden auch als Hacker­angriff gewertet werden könnte, ergibt eine Differenzierung Sinn. Erpressungsfälle durch Kryptotrojaner sind eines der häufigsten Schadenszenarien für kleinere und mittelständische Unternehmen. Außerdem sind auch Erpressungsfälle denkbar, bei denen sensible Daten gestohlen wurden und ein Lösegeld gefordert wird, damit sie nicht veröffentlicht oder weiterverkauft werden.

    Ihre Cyberversicherung sollte zumindet folgende Schäden abdecken:


    • Soforthilfe und Forensik-Kosten (Kosten der Ursachenermittlung, Benachrichtigungskosten und Callcenter-Leistung)
    • Krisenkommunikation / PR-Maßnahmen
    • Systemverbesserungen nach einer Cyber-Attacke
    • Aufwendungen vor Eintritt des Versicherungsfalls

    Cyber-Drittschäden (Haftpflicht):

    • Befriedigung oder Abwehr von Ansprüchen Dritter
    • Rechtswidrige elektronische Kommunikation
    • Ansprüche der E-Payment-Serviceprovider
    • Vertragsstrafe wegen der Verletzung von Geheimhaltungspflichten und Datenschutzvereinbarungen
    • Vertragliche Schadenersatzansprüche
    • Vertragliche Haftpflicht bei Datenverarbeitung durch Dritte
    • Rechtsverteidigungskosten


    • Betriebsunterbrechung
    • Betriebsunterbrechung durch Ausfall von Dienstleister (optional)
    • Mehrkosten
    • Wiederherstellung von Daten (auch Entfernen der Schadsoftware)
    • Cyber-Diebstahl: elektronischer Zahlungsverkehr, fehlerhafter Versand von Waren, Telefon-Mehrkosten/erhöhte Nutzungsentgelte
    • Cyber-Erpressung
    • Entschädigung mit Strafcharakter/Bußgeld
    • Ersatz-IT-Hardware
    • Cyber-Betrug