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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PMI Certifications and Exams: Cost Breakdown

Editorial Note: They earn a commission from partner links on Forbes Advisor. Commissions do not affect their editors' opinions or evaluations.

If you have started or are planning to start a career in project management, certification from the Project Management Institute (PMI) can solidify your project management skills and make you more marketable as a project management professional.

The job outlook for project managers is excellent, with a projected growth of 33% (translating to around 22 million new jobs) from 2017 to 2027. Earning a PMI certification can make you a standout candidate for the many career opportunities available in this field.

What Are PMI Certifications?

PMI certifications are credentials that validate your knowledge and skills in project management. The Project Management Institute administers these certifications. Earning a PMI certification shows that you have demonstrated the knowledge and skills needed to be a successful project manager.

Certifications are available for project management professionals in all stages of their careers. These certifications help professionals bolster their skills and move to the next level of their careers. The Project Management Institute offers the following PMI certifications.

Project Management Professional (PMP)®

The PMP certification focuses on skills related to managing people, leading project teams, managing technical elements of projects and connecting projects to an organization’s strategies and goals.

Certified Associate in Project Management (CAPM)®

The CAPM certification centers around managing large projects with a variety of approaches. It covers the fundamentals of project management and the principles of business analysis.

Program Management Professional (PgMP)®

The PgMP certification builds the skills you need to coordinate and manage multiple projects within an organization.

Portfolio Management Professional (PfMP)®

The PfMP certification teaches individuals how to implement strategic initiatives in an organization’s portfolio management. This credential signifies that you have the ability to manage one or more portfolios according to an organization’s objectives.

PMI Professional in Business Analysis (PMI-PBA)®

The PMI-PBA certification focuses on using business analysis to establish accurate functional requirements and reach the intended business outcomes.

PMI Risk Management Professional (PMI-RMP)®

The PMI-RMP certification demonstrates that a project management professional can identify problems, assess risks, mitigate threats and achieve successful results while conserving resources.

PMI Scheduling Professional (PMI-SP)®

The PMI-SP certification hones in on the fundamental role of scheduling in managing resources and activities and reaching successful outcomes in project management.

PMI Agile Certified Practitioner (PMI-ACP)®

The PMI-ACP certification focuses on agile approaches and collaboration in project management.

PMI Project Management Ready™

The PMI Project Management Ready certification teaches high school and postsecondary students the basics of project management. This certification process aims to help young learners determine whether project management is a good career option for them.

How Long Do PMI Certifications Take?

Each certification has different requirements, and there are many ways to prepare for your certification exam. How long it takes to earn a PMI certification varies depending on the credential you pursue and your individual learning style.

Depending on the certification, you must meet a combination of education and experience requirements, which can take several years. Early-career certifications are more accessible; for example, CAPM applicants need only a high school diploma.

If you already have a college degree and years of relevant work experience under your belt, you can complete your certification requirements more quickly than someone starting right out of high school. If you’ve already met your secondary education requirements, you may be able to earn your certification in as little as eight to 12 weeks.

You should also plan time to study for the certification exam. While these exams only take a few hours, test-takers often study for two to three months in preparation.

Many universities offer project management certification test preparation programs. These programs often last five days and resemble a bootcamp. They use coursework that aligns with the PMI certification test content. PMI certification preparation programs can provide you with education hours that count toward PMI’s application requirements as well.

How Much Do PMI Certification Classes Cost?

You can find classes to help you prepare for your certification test through the Project Management Institute, universities and other project management training organizations. There are many options for certification classes, and costs vary drastically.

PMI’s Authorized On-Demand PMP test Prep course costs $699 for members and $799 for nonmembers. You could also choose bootcamp programs, such as a live online bootcamp, for around $1,500. Project Management Academy offers three bootcamp course training packages that range in price from around $2,000 to $3,000. Clemson offers an online program for $2,700, and a similar program at Penn State costs around $1,200.

Some universities offer comprehensive project management training programs rather than just certification preparation coursework. For example, UCLA offers a $6,000 program that you can complete online or in a classroom setting. This program takes six months to two years to complete. UCLA’s course differs from other programs because it both prepares you for your certification test and confers a separate certificate from UCLA.

There are also low-cost options available. For example, Udemy provides a $150 seminar that includes about 30 hours of lectures and online content.

How Much Do PMI Certification Exams Cost?

The cost for PMI certification exams depends on the certification type. Each test covers the material that’s relevant to its corresponding certification. Since every test is different, costs vary as well.

You can take an test up to three times during your one-year eligibility period. In other words, if you fail your test the first time, you may retake it up to two more times. If you fail your test three times, however, you must wait one year before taking it again.

To retake an exam, you must pay a reexamination fee. This costs $275 for PMI members or $375 for nonmembers.

Below is a breakdown of the costs for PMI certification exams.

  • PMP
  • PMI Members: $405
  • Everyone Else: $575
  • CAPM
  • PMI Members: $225
  • Everyone Else: $300
  • PgMP
  • PMI Members: $800
  • Everyone Else: $1,000
  • PfMP
  • PMI Members: $800
  • Everyone Else: $1,000
  • PMI-PBA
  • PMI Members: $405
  • Everyone Else: $555
  • PMI-RMP
  • PMI Members: $520
  • Everyone Else: $670
  • PMI-SP
  • PMI Members: $520
  • Everyone Else: $670
  • PMI-ACP
  • PMI Members: $435
  • Everyone Else: $495
  • How Much Are PMI Renewal Fees?

    There are many benefits of PMI membership, including lower certification test and renewal fees. The fee to renew your certification is $60 for PMI members and $150 for nonmembers.

    The PMI membership fee is $149 per year for most people. Students pay a reduced rate of $32 per year, and PMI members who have been members in good standing for five years or who have retired from employment can continue their membership for $65 per year.

    How Do I Maintain My Certification?

    To maintain your PMI certification, you should meet continuing certification requirements, which entail earning professional development units (PDUs). Depending on the type of PMI certification you hold, you must earn between 15 and 60 PDUs to maintain the credential.

    You can earn PDUs by continuing your education or giving back to the project management community. Options include taking classes, attending seminars, mentoring those new to the profession, giving presentations and creating relevant content.

    The Bottom Line

    As you decide which route to take for your PMI certification training, you should consider program quality, material covered and cost. It’s difficult to estimate how much it costs to earn a PMI certification since there are so many factors to consider.

    At the end of the day, you can expect to pay anything from $150 to $6,000 for PMI certification courses and test preparation. It then costs between $225 and $1,000 to take your PMI certification exam, depending on your chosen certification and whether or not you are a PMI member. PMI membership costs between $32 and $149, depending on your specific situation.

    All up, you could spend between $182 and $7,130 earning a PMI certification.


    Final test Schedule

    Final test Management
  • No final exams shall be held on Fridays during Spring terms due to conflicts with Commencement.
  • Consult the course syllabus for the final test date and time or one day courses not listed above, all summer courses, courses with special session dates, and courses without room assignments.
  • Final exams for one day courses, not listed above, will follow the final test schedule unless the course syllabus states otherwise.
  • Classes that start within the day(s) and start hours listed above, but before the next class start time group will hold their final test on the relevant test date and time.
  • For example, a class start time on MWF or MW, 7:00 a.m. through 7:59 a.m. will hold their final test on the relevant Monday test date, 8:00 a.m. to 10:00 a.m.; the MWF class start time from 9:00 a.m. through 9:59 a.m. will hold their final test on the relevant Wednesday, 8:00 a.m. to 10:00 a.m., and so on.
  • All Saturday only afternoon classes will follow the 12:00 p.m. final test schedule.
  • Classes meeting four or five days a week will follow the MWF schedule.
  • Exam hours for classes involving lecture and laboratories or quiz sections are determined by the hours scheduled for the lecture.
  • Final exams, including major section exams offered in lieu of a final exam, may not be scheduled during the last week of classes.
  • However, quizzes, lab exams, and other academic assignments may be scheduled for the last week of classes, provided they are specified on the course syllabus.
  • No unscheduled (i.e. not included in the course syllabus) or additional requirements may be imposed on students during the last week of classes.
  • Any exceptions that necessitate giving a final prior to final test week must be stated on the course syllabus and shall require prior approval of the dean.
  • Contact the Office of Space Management at (916) 278-6507 or spacemgt@csus.edu concerning final test schedules and requests for room reservations for final exams. If a faculty conflict with a regular test date and time occurs, the department office shall contact Space Management to schedule a room according to the conflict test date and time listed in the Exceptions section above.


     




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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