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 CPAT?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der CPAT: Candidate Physical Ability Test Prüfung.

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FCTC CPAT : Candidate Physical Ability Test exam Dumps

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Exam Number : CPAT
Exam Name : Candidate Physical Ability Test
Vendor Name : FCTC
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CPAT exam Format | CPAT Course Contents | CPAT Course Outline | CPAT exam Syllabus | CPAT exam Objectives

Exam Details:
- Number of Questions: The CPAT (Candidate Physical Ability Test) does not consist of traditional multiple-choice questions. Instead, it is a physical test that evaluates the candidate's ability to perform various firefighting tasks.
- Time: The CPAT is a timed test, and the entire test is typically completed within 10 minutes and 20 seconds.

Course Outline:
The CPAT evaluates the physical fitness and abilities of candidates applying for firefighting positions. It assesses their capabilities to perform essential tasks required in the firefighting profession. The course outline includes the following tasks:

1. Stair Climb: Candidates must ascend and descend a set of stairs while wearing a 50-pound (22.7 kg) vest within a specified time frame.
2. Hose Drag: Candidates must grasp a hose and advance it a specific distance to simulate dragging a charged hose line.
3. Equipment Carry: Candidates must lift and carry various firefighting equipment over a designated distance.
4. Ladder Raise and Extension: Candidates must raise a ladder, walk a specific distance, and then extend the ladder to a designated height.
5. Forcible Entry: Candidates must use a 10-pound (4.5 kg) sledgehammer to strike a mechanically operated device to simulate forcible entry.
6. Search: Candidates must crawl through a dark, narrow maze while wearing a self-contained breathing apparatus (SCBA) to simulate searching for victims in a smoke-filled environment.
7. Rescue Drag: Candidates must drag a 165-pound (75 kg) mannequin a specific distance to simulate moving an unconscious victim to safety.
8. Ceiling Breach and Pull: Candidates must use a pike pole to strike a mechanically operated device, simulating breaching a ceiling and pulling it down.

Exam Objectives:
The CPAT aims to evaluate the physical abilities of candidates applying for firefighting positions. The objectives of the exam are as follows:
1. Assess the candidate's cardiovascular endurance and stamina.
2. Evaluate the candidate's strength and ability to handle heavy firefighting equipment.
3. Test the candidate's agility, coordination, and balance.
4. Measure the candidate's ability to perform physically demanding tasks in a simulated firefighting environment.
5. Ensure that candidates possess the necessary physical fitness to safely and effectively perform the duties of a firefighter.

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FCTC Candidate Real exam Questions


Free real estate practice exam + 7 study hacks to ace the real estate exam

From time management techniques to memory tricks and managing stress — we’ll share their study hacks to help you ace your state real estate exam. Hone and test your real estate knowledge using their free real estate practice exam.

As a lifelong educator, learner, and collector of advanced degrees in education and curriculum design, I know from experience which study habits and hacks really work, and I’ve researched the most effective ones for this article. We’ll help you supercharge your real estate exam study habits and launch your new real estate career with confidence.

Understand the real estate exam

Before they dive in, it’s helpful to understand the structure and content of your real estate exam. Real estate exams are typically:

  • A multiple-choice format
  • Timed with allotted times of 2 to 3 ½ hours
  • Divided into two sections: national real estate principles and practices, and state real estate laws
  • The exam also covers a variety of courses including: 

  • Financing
  • Ownership
  • Property disclosures
  • Property value and appraisals
  • Contracts
  • Legal descriptions
  • Standards of conduct
  • Math calculations
  • Passing grades are determined by each state but typically hover around 70%, and you’ll need a passing score in both sections. Each state’s rules vary on retaking the exam, but you can usually retake only the portion of the exam you didn’t pass the first time. With their free real estate practice exam, you’ll be on your way to passing with flying colors. 

    Take their free real estate practice exam

    Ready to test your knowledge? Try their free real estate practice exam with some typical multiple-choice questions you might find on a state real estate exam. If you’re not ready yet, check out their study hacks, motivational tips, and other tools below.

    SAVE 30% on all prelicensing courses with The CE Shop using promo code HW30. Click to learn more about their prelicensing course packages and exam Prep Edge.

    Licensee Mark has knowledge about all the issues related to a property. Which of the following property issues should be disclosed to potential buyers?

  • The neighbors have a dog.  
  • The neighborhood has a low crime rate. 
  • The kitchen has a leaky faucet. 
  • The tree in the back yard is at least 30 years old.
  • Which of the following examples below is of a fixture that is real property?

  • Above-ground hot tub in the backyard
  • Shelves attached to the wall with brackets
  • Stand-alone storage shelf in the cupboard
  • Photos and wall hangings
  • After a seller counters an offer, what happens to an initial offer from the buyer?

  • It is void and no longer in play.
  • It becomes the back-up offer.
  • It is accepted by the seller until the buyer accepts the counter.
  • Sellers cannot counter a buyer’s initial offer.
  • In a real estate transaction, if Sarah, acting as a broker for Blue Skies Realty, gives a portion of the commission earned from a sale to Emily, a buyer, what is this practice commonly referred to as?

  • A commission
  • A rebate
  • A kickback
  • A violation
  • A house on your street has built an addition, raising its property value. Now you notice your own property’s value has gone up. Which economic principle best describes this situation?

  • Value bump
  • Conditional value
  • Progression
  • Stalemate
  • Ava, Jane, and Nora are joint owners of a vacation home. Unfortunately, Jane passed away. Consequently, Ava and Nora allowed Jane’s nephew, Eric, who inherited Jane’s share of the property, to join them at the vacation home. What type of ownership arrangement does this represent?

  • Estate in generality
  • Tenancy in common
  • Joint tenancy
  • Common tenancy
  • An example of this type of leasehold estate is a month-to-month lease.

    A month-to-month lease is an example of what type of leasehold estate?

  • Estate for years
  • Periodic estate
  • Estate at will
  • Estate for months
  • The homeowner tells their agent they’re in a rush to sell because they’re moving for a new job and they are open to offers below the asking price. The agent then tells a potential buyer that the seller could go for a $15,000 discount from the listed price. Which statement accurately represents the situation?

  • The agent has breached his duty of confidentiality to his client
  • The agent hasn’t violated any fiduciary responsibilities
  • The agent can secure the buyer’s offer now
  • The agent must wait for the seller to lower his asking price
  • If the rate of transer tax is $.48 per $100, what will a seller pay on a property purchased for $280,000?

  • $11,344
  • $1,344
  • $134
  • $13.40
  • What best describes a deed?

  • A lease agreement
  • A document to transfer ownership
  • A law of property title
  • A recording fee
  • Study group of students with books and laptops in a coffee shop 7 study hacks to master the real estate exam

    There are proven strategies for studying for exams that will help you to retain information more effectively and efficiently. Let’s take stock of best study habits.

    Create the most efficient study plan

    You’ll boost your chances of acing your exam if you make a study schedule and stick to it. But there are ways to get the most out of the schedule, too. Your best bet is to structure your studying around spaced repetition, the idea that you’ll retain more knowledge if your study sessions are spread out. 

    So, set aside dedicated study time each day or week and make it a priority. Start by breaking down the courses you need to cover and allocate specific time slots for each topic. This will help you stay organized and ensure you’ve covered all the required material before the exam. Finally, take breaks to provide your brain time to rest and process the information you’ve learned, and your memory will be primed for exam day. 

    Snag the highest-quality study materials

    Not all study materials are cut from the same cloth. Having access to high-quality real estate practice exams, study guides, and texts from reputable sources is key. Ideally, you’ll want practice questions that most closely mirror the real estate exam so you have no surprises on exam day. 

    Consider using a combination of different resources for a well-rounded understanding of the exam content. 

  • Textbooks to grasp the foundational concepts
  • Online courses for interactive learning
  • Flashcards for memorization
  • Audio lessons for review
  • Practice exams to test your knowledge and identify areas for improvement
  • Check out their top picks for real estate exam prep offered by real estate schools, too. They vetted the top national real estate schools for their exam prep materials, pass rates, and more.

    SEE ALSO: Real estate exam prep: The ultimate guide to acing your state’s real estate exam

    Study like the pros

    Whether you’re studying from your car, on your commute or from home, let’s break down the study techniques backed by science and practiced by top students to help you ace your exam.

    Active recall: Studies show over and over that quizzing yourself without looking at your notes improves your understanding.[2] So does teaching the material to yourself or others out loud.

    Mix it up: Mix up different courses during your study sessions rather than focusing on one Topic exclusively – it will help your brain determine what’s important to remember.[3]

    Visualize to remember: Create visual aids or use mnemonic devices to associate complex information with images or easily memorable phrases, as these will significantly enhance memory recall.[4]

    SAVE 30% on all prelicensing courses with The CE Shop using promo code HW30. Click to learn more about their prelicensing course packages and exam Prep Edge.

    Join study groups for a comprehension boost

    Joining a study group is like unlocking a secret weapon to master the real estate exam. It brings in diverse perspectives, boosts your understanding as you talk things out, and bridges any gaps you might have in your grasp of the material. 

    As an added bonus, being part of a group amps up your motivation and keeps everyone accountable, leading to better retention of tricky concepts. So, consider leveling up your studying by joining a study group or finding a buddy to learn with.

    Try the PrepAgent Real Estate exam Study Group on Facebook or check out The CE Shop Pre-Licensing Student Forum, also on Facebook.

    Stay motivated and manage stress

    When you’re preparing for the real estate exam, it’s completely normal to feel the pressure. Remember, taking care of yourself is just as crucial as hitting the books. Start by carving out moments for self-care amidst your study sessions. Take breaks to stretch, breathe deeply, or go for a short walk—whatever refreshes your mind.

    Don’t forget to reach out to friends, family, or study buddies. Chatting with them can bring a fresh perspective or just the encouragement you need. You’ve got this—believe in yourself and don’t forget to celebrate your progress.

    Review and revise your notes regularly

    When you revisit your notes, you’re flexing your mental muscles. You aren’t just refreshing your memory, you’re strengthening the neural pathways that help you recall information during the exam. Plus, research shows that regular notes review boosts confidence and reduces anxiety.

    Start by skimming through your notes to refresh your memory, then actively engage with the material by summarizing key points in your own words. Finally, quiz yourself or create flashcards to reinforce your understanding and test yourself. Soon, your exam jitters will take a backseat to your confidence. 

    The best ways to simulate real estate exam conditions

    As you get closer to exam day, it’s crucial to simulate exam conditions during your study sessions. Find a quiet and distraction-free environment where you can focus. Set a timer and allocate specific time limits for each section of the practice exam. This will help you familiarize yourself with the time constraints and train your mind to work efficiently under pressure.

    During the real estate practice exam:

  • Avoid distractions, such as checking your phone
  • Take it seriously and treat the practice exam as if it were the real exam
  • Review your answers and identify areas where you need more practice
  • Refine your study plan and target your weak areas before the real exam
  • Frequently asked questions about the real estate exam
  • How hard is the real estate exam?

    The passing score for the real estate exam differs across states, but usually hovers around 70%. With thorough preparation, these exams, while challenging, are achievable. To locate the passing rate on your state’s real estate exam, you can use the Association of Real Estate Law Officials website to find your state’s real estate regulatory board.

  • How many questions are on the real estate exam?

    There are typically between 75 and 150 questions on the real estate exam, though each state differs. The exam is timed and consists of a national portion and a state-specific portion, both of which you’ll need to pass to pass the overall exam.

  • How do I pass the real estate exam?

    Passing the real estate exam involves a mix of preparation and strategy. Start by creating a study plan that includes regular review sessions and practice tests. Consider joining study groups, or enrolling in exam prep offered by real estate schools like The CE Shop or Aceable Agent. Finally, manage stress by staying well-rested and confident in your preparation—you’ve got this!

  • How long is the real estate exam?

    Real estate exams are timed, and typically run between 1.5 and 2.5 hours, depending on the state in which you take the exam. Exams are typically in a multiple-choice format, with some scenario-based questions included.

  • What is the format of the real estate exam?

    Real estate exams are commonly taken on computers at designated testing centers, though some states might also offer paper-based options. These exams usually include multiple-choice questions and are divided into two sections: one covering national courses and the other focusing on state-specific content. Exams are timed and usually between 75-150 questions to answer, depending on the state.

  • What happens if I fail one part of the exam?

    If you fail one part of the exam (either the national or state-specific section), you often have the opportunity to retake only the section you failed. Check your state’s policies, as retake rules vary in each state, and you may need to pay an additional fee or wait a specific amount of time before retaking the exam.

  • Are there requirements to take the real estate exam?

    Yes! Eligibility requirements vary by state. In most cases, you must complete pre-licensing education, provide identification, and pay an exam fee before being eligible to take the exam. Check with your state’s real estate commission for exact requirements.

  • What happens after passing the real estate exam?

    After passing the real estate exam, you can apply for your real estate license with your state’s regulatory authority. You’ll often be mailed your real estate license (and a pocket card). Once you have your license, you can start working as a real estate professional, such as a real estate agent or broker.

  • The full picture

    With these study hacks, you’ll build a solid foundation of knowledge for your new career and boost your confidence for the real estate exam. Don’t miss out on their free practice real estate exam to check your progress and find ways to Strengthen your studying. Embrace the challenge, stay focused, and set your course for a thriving real estate career!


    Real estate exam prep: The ultimate guide to acing your state’s real estate exam

    If you’re considering getting your real estate license — congratulations! You’re only steps away from an exciting and rewarding new career that offers endless opportunities for growth and success. Their ultimate real estate exam prep guide will walk you through the steps to prepare for your state’s real estate license exam.

    With their tips and techniques for studying and their strategies for exam taking (plus common mistakes to avoid), you’ll be on your way to acing your state’s exam, getting licensed, and representing clients.

    Top picks for real estate exam prep Real Estate School Key Features Upgrades Available

    From $135

  • Initial exam to find areas of focus
  • Curated practice questions and recommendations for further study
  • Individual lessons by topic
  • Unlimited practice questions
  • Interactive dashboard to check your progress and create a study schedule
  • Exam readiness tracker
  • Digital flashcards, a real estate glossary, and a pass guarantee are also included if you choose the premium package when signing up for a prelicensing course

    From $115

  • Readiness exam
  • Digital flashcards
  • Simulated exams
  • Audio review lessons
  • A Pass or Don’t Pay Guarantee, if you complete the exam prep program and don’t pass the exam on your first try
  • Exam Prep Live includes a webinar series on key concepts, and access to a live Q&A sessions with local instructors

    From $199

  • Exam prep course delivered by video or live online
  • Access to the drill and QBank for unlimited practice questions
  • Real estate exam prep book
  • Lecture outlines, multiple-choice and true-or-false questions
  • Individiual add-ons such as digital flashcards, real estate terms audio, and a real estate math course Real estate exam prep facts Real estate exam cheat sheet 

    Format: Typically multiple-choice, with 75-150 questions. 

    Time Allotted: 2-3.5 hours. 

    Sections: National and state sections, both scored individually. 

    Passing Rates: Most states require a minimum overall score of 70%, but each state varies.

    Exam Retakes: Exams or exam sections can be retaken, states vary on the required time in between retakes or the fee to retake an exam.

    First, let’s review the structure of most state real estate licensing exams. Real estate exams are typically in multiple-choice format. The number of questions and the time allotted to sit the exam vary by state. Real estate exams are typically divided into two sections: national real estate principles and practices, and state real estate laws. 

    Both sections are scored individually, and in most states, you’ll need to achieve a passing grade in both sections to pass the exam. Passing grades are also determined by each state. Luckily, if you happen to stumble on one section, you can often retake one portion of the exam. Stay confident and stay focused, and you’ll be on your way to mastering the real estate exam.

    SAVE 30% on all prelicensing courses with The CE Shop using promo code HW30. Click to learn more about their prelicensing course packages and exam Prep Edge.

    Before you study: real estate exam prep tips

    Before you sit down to study for the real estate exam, do as the experts do to set yourself up for success. With their research-based tips, you’ll be on the path to mastering the exam.

  • Create a study schedule

    Decades of research from the American Psychology Association shows that students who create study plans and space out their study sessions come out with higher test scores. [1] Designate specific blocks of time each day to focus solely on studying for the exam. Consistency is key, so make sure to stick to your schedule. Instead of long chunks of time, opt for 30-minute sessions over a longer period of time.

  • Gather quality study materials

    Invest in reliable study materials that fit your learning style such as online courses, digital flashcards, videos, and practice exams. Use a critical eye to find exam pass rates on real estate schools’ websites to find assurance that their exam prep materials help students succeed on the real estate exam.

  • Find practice exams

    The Learning Strategies Center at Cornell University confirms that mimicking exam conditions helps immensely in retrieving the information at exam time.[2] Practice makes perfect, so take advantage of real estate practice exams to assess your strengths and weaknesses and identify areas to review.

  • While you study: get the most out of your real estate exam prep time

    Now that you’re set for success, let’s explore some study hacks to maximize your study time. 

  • Vary your learning resources

    Don’t stick to just one study tool, keep your brain sharp by varying the ways you’re taking in information. Take advantage of exam prep tools like flashcards, videos, summaries, and practice questions. Harvard Health also suggests to quiz yourself often while you study, and ask yourself why and how concepts connect to process the meaning of all you’re studying.[3]

  • Form study groups

    Collaborating with others who are also prepping for the real estate exam can be highly beneficial. You’ll be exposed to repetition of concepts through another person’s lens, which will help you synthesize your own learning. Plus, you can tackle challenging courses together, share resources, and quiz each other.

  • Teach others

    The success of teaching others as a means of better understanding material yourself has been proven so many times over it has a name – the protégé effect. Studies show you’ll learn with a deeper understanding if you think you’ll have to reteach it later.[4] Plus, teaching others will reveal gaps in your understanding you can catch before exam time.

    Check out their Free real estate practice exam + 7 study hacks to ace the real estate exam. They share their top study hacks and strategies for success.

  • Common mistakes to avoid during the real estate exam

    Many people make avoidable mistakes that can lead to failing the exam. Here are some common mistakes to avoid as you prepare for and take the real estate exam.

  • Not memorizing the questions carefully

    Rushing through questions or assuming you know what the question is asking can lead to answering incorrectly. Be sure to read each question carefully and ask yourself if you fully understand what is being asked before answering.

  • Guessing without eliminating options

    Another mistake people make on the real estate exam is guessing without eliminating options. If you are unsure of the answer, try to eliminate the options that you know are incorrect. This will help increase your chances of guessing correctly and can prevent you from getting tripped up by trick questions.

  • Forgetting to review your answers

    Taking the time to review your answers can help catch any mistakes or oversights you may have made. You can also flag questions you weren’t entirely sure about and return to them later so you can capitalize on your confidence when you see questions you know the answers to.

  • Strategies for answering different types of questions on the real estate exam

    By understanding the unique demands of each question type, you can confidently tackle any type of question that comes your way.

  • Multiple-choice questions

    Pay attention to keywords and the stem of the question, and use logic and reasoning – apply your knowledge and critical thinking skills to arrive at the most accurate answer. Watch out for options that include words like “always,” “never,” or “every,” as they tend to be incorrect.

  • True or false questions

    Start by looking for qualifiers and exceptions, since words like “usually,” “sometimes,” or “most” can change the validity of the statement. Next, be cautious with double negatives and take your time to decipher the intended meaning. Finally, it’s common to make assumptions, but it’s important to base your answer solely on the information provided in the statement.

  • Scenario-based questions

    Start by scoping out the key details; highlight important facts, figures, and relationships that are relevant to the question. Next, put yourself in the shoes of the parties involved and evaluate the situation from different angles. Lastly, try to avoid overthinking or overcomplicating, and trust your gut.

  • Helpful links Frequently asked questions
  • What is the format of the real estate exam?

    Real estate exams are usually administered on a computer at designated testing centers. Some states may offer both computer-based and paper-based options, but the computer-based format is more common. They typically consist of multiple-choice questions and have two portions: a national portion and a state-specific portion.

  • How hard is the real estate exam?

    The passing score for the real estate exam varies by state, but most look for an overall score of 70%. Real estate exams can be challenging, but doable with good preparation. You can find your state’s real estate regulatory board website by finding it through the Association of Real Estate Law Officials website.

  • What happens if I fail one part of the exam?

    If you fail one part of the exam (either the national or state-specific section), you often have the opportunity to retake only the section you failed. Check your state’s policies, as retake rules vary in each state, and you may need to pay an additional fee or wait a specific amount of time before retaking the exam.

  • How many questions are on the real estate exam?

    While each state’s real estate exam varies, the exam typically consists of multiple-choice questions that can vary between 70 and 150 questions. The allotted time to complete the exam can typically be between 2 and 3.5 hours. Some exams may also include scenario-based questions or case studies.

  • How do I pass the real estate exam?

    To prepare for the real estate exam, you can create a study plan, use study materials such as textbooks, flashcards, and practice exams, consider enrolling in a real estate exam prep course, and join study groups for collaborative learning.

  • Are there requirements to take the real estate exam?

    Yes! Eligibility requirements vary by state. Generally, you must be at least 18 years old and a U.S. citizen or permanent resident. In most states, you must complete a set number of hours of prelicensing education at an approved school, provide valid identification, and pay an exam fee before being eligible to take the exam. You may also have to submit to a background check to get licensed. Check with your state’s real estate commission for exact requirements or find your state on their Real Estate Education landing page.

  • What happens after passing the real estate exam?

    After passing the real estate exam, you can apply for your real estate license with your state’s regulatory authority. You’ll often be mailed your real estate license (and a pocket card). Once you have your license, you can start working as a real estate professional, such as a real estate agent or broker. You’ll need to find a brokerage to sponsor you or to work under.

  • The full picture

    The real estate exam is a significant milestone on your journey to becoming a successful real estate agent or broker. By following their guide, you can unlock the secrets to mastering the real estate exam.

    Remember to stay focused, maintain a positive mindset, and trust in your preparation. With dedication and perseverance, they have no doubt you’ll ace the real estate exam and embark on a fulfilling career in real estate.

    We’re here to help you launch your career with helpful tips, tools, strategies and product recommendations from experienced real estate industry professionals.

    Article sources:


    Liberal studies candidates struggled with this challenging exam question

    This year’s DSE candidates were surprised to see the liberal studies exam contained an unusual question on Hong Kong politics. Students were given three data sources comparing democracy with economic strength. Candidates had to answer three questions regarding the trends they saw, and debate whether greater democracy in Hong Kong would Strengthen its economy.

    Candidate Ng Yan-kin from Diocesan Boys’ School said the question was particularly challenging as it used unfamiliar terms, such as “global competitiveness” and “Democracy Index”.

    Joy Pamnani, a Form Six student from PLK Ngan PoLing College, said the politics question was unexpected but wasn’t that difficult to tackle. But, she said, “the definition of ‘global competitiveness’ was really vague. You had to figure that out before writing your answers,” she said.

    While neither student felt examiners would take students’ political stances into consideration when marking the papers, they still thought moderation was key. Yan-kin said: “It’s important not to use expressions which are too radical. I always use quite moderate, neutral words. Joy added: “I feel [any opinion is] fine as long as you’re rational and your points make sense."

    Yan-kin and Joy said this year’s Paper 2 was easier than last year’s, as questions covered popular courses such as China’s two-child policy and traditional businesses.  

    Po Leung Kuk No 1 W. H. Cheung College’s liberal studies panel teacher K.M. Fong said he thought this year’s papers were demanding, as candidates were required to handle more sources and questions in  Paper 1, which required better time management.

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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