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 Number : CPCM
Exam Name : Certified Professional Contracts Manager (CPCM) 2023
Vendor Name : Financial
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CPCM exam Format | CPCM Course Contents | CPCM Course Outline | CPCM exam Syllabus | CPCM exam Objectives

Exam : CPCM

Exam Name : Certified Professional Contracts Manager(R)

Questions : 150

Passing Scores : 70%

Duration : 1 hr 30 min.

The Contract Management Body of Knowledge and Leadership

 The Contract Management Framework

 Contract Management Body of Knowledge Overview

 CMBOK 1.1 Competence

 CMBOK 1.2 Character

 CMBOK 1.3 Collaboration

 CMBOK 1.4 Vision

Management I

 CMBOK 2.0 Management

 CMBOK 2.1 Business Management

 CMBOK 2.2 Financial Management

Management II

 CMBOK 2.3 Project Management

 CMBOK 2.4 Risk Management

 CMBOK 2.5 Supply Chain Management

Guiding Principles

 CMBOK 3.1 Skills and Roles

 CMBOK 3.2 Contract Principles

 CMBOK 3.3 Standards of Conduct

 CMBOK 3.4 Regulatory Compliance

 CMBOK 3.5 Situational Assessment

 CMBOK 3.6 Team Dynamics

 CMBOK 3.7 Communication and Documentation


 CMBOK 4.1 Plan Solicitation

 CMBOK 4.2 Request Offers

 CMBOK 4.3 Plan Sales

Pre-Award and Award

 CMBOK 4.4 Prepare Offer

 CMBOK 5.1 Price or Cost Analysis

 CMBOK 5.2 Plan Negotiations

CPCM Online Preparatory Course

Award and Post-Award

 CMBOK 5.3 Select Source

 CMBOK 5.4 Manage Disagreements

 CMBOK 6.1 Administer Contract

 CMBOK 6.2 Ensure Quality


 CMBOK 6.3 Manage Subcontracts

 CMBOK 6.4 Manage Changes

 CMBOK 6.5 Close Out Contract


 CMBOK 7.1 Continuous Learning

 CMBOK 7.2 Individual Competence

 CMBOK 7.3 Organizational Capability

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Financial Manager genuine Questions


Asset management: What to know about this fast-growing industry that could increase your wealth

Our experts choose the best products and services to help make smart decisions with your money (here's how). In some cases, they receive a commission from their partners; however, their opinions are their own. Terms apply to offers listed on this page.

  • Financial asset management is the business of managing money to achieve clients' financial goals.
  • Asset managers work with individuals, government entities, companies, or institutional investors.
  • Not all asset managers follow fiduciary standards, but they must if they register with the SEC.
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    Asset management is a booming business changing the investment world. Asset managers make investment decisions that aim to increase clients' wealth while concurrently managing risk.

    In financial asset management, there are two overarching goals: 1) increasing wealth and 2) keeping risk appropriate (as decided by the client). The professionals who provide this type of service go by titles including wealth manager, registered investment advisor (RIAs), investment manager, portfolio manager, and others.

    If you're thinking about hiring an asset manager, here's a summary of what they do, the different types of asset management, and how to find the right one for your money:

    What is asset management?

    Asset managers typically offer their services to a specific set of clients: wealthy individuals, corporations, governments, or institutional investors. They usually allow for more diversification than an investor would be able to get acting on their own. Some asset managers work independently, and others work for a financial institution like a bank or an asset management company.

    The types of financial assets they manage include:

    How asset management works

    The asset-management process varies based on the manager, but there are several common elements. First, the asset manager and the client meet to assess the client's comfort with risk, as well as the types and amounts of assets the client will deposit. They also discuss the roadmap to the client's financial goals with a finanical plan.

    When the account is established, the asset manager then researches market trends and financial documentation from corporations to figure out which securities to buy. After the initial purchases, the manager maintains the accounts by trading poor-performing securities for promising ones.

    What is an asset manager?

    While there are various types of financial asset managers, they're usually certified hired by a client to administer, maintain, and oversee their cash and securities. Many also work with clients in a more holistic way. 

    "We don't hold ourselves out to be accountants, lawyers, or financial planners," says Lamar Villere, a partner and portfolio manager at Villere & Co. "But generally, what often happens is we'll take the role of quarterbacking those relationships for somebody." 

    Asset managers registered with the Securities and Exchange Commission (SEC) or with their state have a fiduciary duty. That means they're legally required to act in their clients' best financial interest, not their own. 

    "I think that there's a lot of mistrust that people have of financial services," says Nicole Renaux, a wealth advisor at Pioneer Wealth Management Group. "It's really nice to be able to take that concern off the table so that clients can receive the best advice available."

    If you do hire an asset manager, it's important to make sure they're acting as a fiduciary. Don't just assume that they are based on their title.

    Quick tip: To find whether or not your asset manager is a fiduciary, you can look them up on the SEC's website. Search through the Investment Adviser Public Disclosure database to ensure they're registered with the SEC. 

    Types of asset managers

    There are several types of asset managers that are helpful to understand. They include:

  • Registered Investment Advisors (RIAs): An RIA must register with the SEC or state if they have more than  $100 million in assets under management. Fees from an RIA can be a percentage of the total assets or a flat fee.
  • Investment brokers: An investment broker can be an individual or firm that acts as the investing intermediary. Investment brokers' commissions come from fees placed on each traded stock, a maintenance fee, or by selling proprietary products. They don't have a fiduciary duty.
  • Financial advisors: A financial advisor can buy and sell securities for their clients, as well as offer recommendations on things like insurance and taxes. They may be fee-based or fee-only financial advisors. They may or may not have a fiduciary duty.
  • Financial planners: A financial planner is a type of financial advisor who provides a more holistic view of their client's finances. They discuss courses like savings, money management and investing. Some are fiduciary. Their fees vary — it may be hourly, fixed, or a percentage based on total assets.
  • Robo-advisors: A robo-advisor can be more affordable than a dedicated investment manager. This service collects information on your investing style and financial goals and then manages your money using an algorithm — with almost no human intervention. The best robo-advisors offer multiple investment options, low fees, and educational resources
  • You can also work with an asset management company (AMC). They create pooled investment funds like mutual funds or exchange-traded funds (ETFs) for investors to buy into. The funds they create are either public or private — with private ones usually being higher risk, less regulated, and limited in terms of who is able to invest.

    Asset management companies typically manage brokerage accounts, margin loans, and debit and credit cards from high-net-worth individuals and institutions. Funds deposited into these accounts are often placed into money market funds for greater returns. 

    Other types of asset management

    If an asset has value, it needs to be managed. Here are several kinds of asset management outside of the financial world:

  • Digital asset management (DAM): A digital platform or software that allows users to organize, store and share digital assets like photographs and presentations
  • Fixed asset management: A system that allows users to track their fixed assets, which are tangible items like machinery, computers, or buildings to become more efficient
  • IT asset management (ITAM): A system that allows users to employ, monitor and dispose of IT assets like software, hardware, or computers to ensure the assets are functioning properly and the technology remains current
  • Enterprise asset management: A series of processes that allows a company to track maintenance on its physical assets like machinery and equipment 
  • Infrastructure asset management: Tools and strategies that track maintenance for critical infrastructure like nuclear reactors and public drinking water systems
  • How much does asset management cost? 

    Asset managers offer various fee structures, so be sure to check what you'll be charged before working with someone. Most asset managers charge a percentage of the asset they manage. Generally, it's between 1% and 3%, but it may be higher or lower depending on the number of assets in your account.

    You could also be charged a brokerage fee, which is a per-trade transaction fee. For example, some online traders have $0 brokerage fees, but others may charge anywhere from $5 to $50 per trade. 

    Robo-advisors also charge a percentage of the assets under management. Many robo-advisors, such as Betterment and Wealthfront, charge around 0.25% per year. But it can be more or less depending on the platform and account type. 

    Other common fee types are:

  • Fund management fees
  • Financial management fees
  • Administration fees
  • There's no universal fee structure used by asset managers, so the genuine cost will vary from manager to manager. 

    Quick tip: Check to see if your asset manager lists the fees they charge on their website. This practice shows that the asset manager is transparent and open about what they charge for their services, which is always a good sign.

    Account Minimum

    $1 ($500 for automated investing)


    $0 for stock trades. 0.25% for automated investing (0.06% to 0.13% for fund fees)

    Investment Types

    Stocks, fractional shares, ETFs, index funds, and crypto trusts

    Account Minimum

    $1 ($500 for automated investing)


    $0 for stock trades. 0.25% for automated investing (0.06% to 0.13% for fund fees)

    Investment Types

    Stocks, fractional shares, ETFs, index funds, and crypto trusts

    Wealthfront Investing

    Wealthfront is one of the best robo-advisor options if you're in search of low-cost automated portfolio management, and one of the best socially responsible investing apps for features like tax-loss harvesting, US direct indexing, and crypto trusts.


    Account Minimum

    $1 ($500 for automated investing)


    $0 for stock trades. 0.25% for automated investing (0.06% to 0.13% for fund fees)

    Pros & Cons Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.


    Check mark icon A check mark. It indicates a confirmation of your intended interaction. Low annual fee for investment accounts; crypto trust investments available Check mark icon A check mark. It indicates a confirmation of your intended interaction. Tax-loss harvesting, portfolio lines of credit, 529 college savings plans available Check mark icon A check mark. It indicates a confirmation of your intended interaction. Cash account Check mark icon A check mark. It indicates a confirmation of your intended interaction. Mobile app and investing and retirement tools


    Dash icon A dash. It often indicates an interaction to shrink a section. You need at least $100,000 to utilize additional investment strategies Dash icon A dash. It often indicates an interaction to shrink a section. No human advisor access Highlights Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

    More Information

    Additional practicing Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options. Asset management frequently asked questions (FAQs)

    Asset managers administer, maintain, and oversee a client's cash and securities in order to increase wealth while managing risk. Financial asset managers can be RIAs, financial advisors, financial planners, investment brokers, or even a robo-advisor.

    Asset managers make money by charging clients various fee structures, like asset under management fees, brokerage fees, flat fees, administrative fees, and more. Not all asset managers have the same fee structure, so costs will vary from manager to manager. 

    As of June 30, 2023, BlackRock is the largest asset management firm according to data from ADV Ratings. BlackRock has $9.1 trillion in total assets under management and a market capitalization of $104 billion. Vanguard is the runner-up with $7.6 trillion AUM. 

    Should you hire an asset manager?

    If handling your own money is overwhelming, an asset manager can help organize your assets and grow your wealth. But make sure they're playing on your team. Search the SEC website to make sure they are registered, and therefore a fiduciary. You can also make sure no court judgments or orders have been issued against them.

    Finally, discuss any fees before agreeing to work together to make sure you aren't overpaying. Even a fraction of a percent more can cost you a lot over time.

    Tessa Campbell

    Junior Investing Reporter

    Eton Pharmaceuticals Reports Second Quarter 2023 Financial Results

  • Total Q2 revenue of $12.0 million and net income of $4.6 million
  • Product sales and royalty revenue of $6.5 million up 175% from Q2 2022 and 22% from Q1 2023
  • $21.6 million of cash on hand
  • Launched Betaine Anhydrous
  • Management to hold conference call today at 4:30pm ET
  • DEER PARK, Ill., Aug. 10, 2023 (GLOBE NEWSWIRE) -- Eton Pharmaceuticals, Inc (“Eton” or “the Company”) (Nasdaq: ETON), an innovative pharmaceutical company focused on developing and commercializing treatments for rare diseases, today reported financial results for the quarter ended June 30, 2023.

    “With record product sales, the launch of Betaine Anhydrous, and positive cash flow and earnings, Eton’s second quarter was exceptional. It was the company’s tenth straight quarter of sequential product revenue growth, driven by robust demand and record results for ALKINDI SPRINKLE® and Carglumic Acid. Given their strong performance through the first half of the year, they have increased their revenue expectation and now anticipate reaching approximately $30 million in total revenue this year,” said Sean Brynjelsen, CEO of Eton Pharmaceuticals.

    “With attractive growth prospects for their existing commercial products, the targeted 2024 launch of ET-400, and the financial resources to continue adding new products, Eton is very well positioned to deliver long-term growth and achieve their goal of having 10 commercial rare disease products on the market by the end of 2025,” concluded Brynjelsen.

    Second Quarter and exact Business Highlights

    Tenth straight quarter of sequential growth in product sales and royalty revenue. Eton reported second quarter 2023 product sales and royalty revenue of $6.5 million, representing 175% growth over the prior year period and 22% growth over the first quarter of 2023.

    Record sales of ALKINDI SPRINKLE. ALKINDI SPRINKLE saw another record revenue quarter. The Company’s goal is to reach 400 active patients by the end of the year.

    Record sales of Carglumic Acid. Carglumic Acid also posted another quarter of record revenue. The product is benefiting from the Company’s recently expanded sales force as well as the launch of Betaine Anhydrous, which shares the same prescriber base and has resulted in increased interactions with metabolic geneticists.

    Strong launch of Betaine Anhydrous. Betaine Anhydrous was launched in May and has already seen strong adoption by patients. The Company’s Eton Cares patient support program has received favorable reviews from both patients and prescribers.

    Product candidate ET-400 on track for an NDA submission in Q4 2023. The Company is preparing for an NDA submission in the fourth quarter, which could result in an approval and commercial launch in 2024. ET-400 is a proprietary liquid formulation of hydrocortisone that, if approved, would be sold alongside ALKINDI SPRINKLE, and would provide patients with an additional treatment option. The Company believes ET-400 will accelerate patient adoption, with total combined peak sales of ALKINDI SPRINKLE and ET-400 expected to exceed $50 million annually.   

    Monetized royalty interests and strengthened financial position. During the quarter, Eton sold its remaining milestone and royalty interests in ZONISADE®, EPRONTIA®, and the lamotrigine product candidate. In exchange for its interests, Eton received a payment of $5.5 million, which it intends to reinvest in the acquisition of rare disease products. In the second quarter, the company also received a $0.8 million break-up fee associated with its participation as the stalking horse bidder in an auction process. The Company finished the quarter with $21.6 million of cash and cash equivalents.

    Second Quarter Financial Results

    Net Revenue: Net sales for the second quarter of 2023 were $12.0 million compared with $7.4 million in the prior year period. Net sales included $5.5 million of licensing payments received during the quarter related to the sale of Eton’s neurology product royalties and milestones to Azurity Pharmaceuticals, compared to $5.0 million of licensing revenue in the prior year period related to the sale of multiple hospital products to Dr. Reddy’s.

    Product sales and royalty revenue were $6.5 million for the second quarter of 2023 compared with $2.4 million in the prior year period, an increase of 175% over the prior year period and 22% over the first quarter of 2023. The year-over-year increase in product sales and royalty revenue was primarily driven by growth in ALKINDI SPRINKLE and Carglumic Acid tablets.

    Gross Profit: Gross profit for the second quarter of 2023 was $9.7 million compared with $4.6 million in the prior year period. The growth was driven by the sale of the Company’s neurology product royalties as well as growth in ALKINDI SPRINKLE and Carglumic Acid. Gross profit for the prior year period included $1.8 million of non-cash expenses related to the hospital products divestment.

    Research and Development (R&D) Expenses: R&D expenses for the second quarter of 2023 were $1.1 million compared to $0.7 million in the prior year period. The increase was primarily due to a $0.5 million milestone payment resulting from the successful manufacturing of registration batches of product candidate ET-600.

    General and Administrative (G&A) Expenses: G&A expenses for the second quarter of 2023 were $4.7 million compared to $5.3 million in the prior year period. The decrease in G&A expenses was mainly due to decreased FDA fees and legal fees associated with products sold to Dr. Reddy's in June 2022.

    Net Income: Net income for the second quarter of 2023 was $4.6 million or $0.18 per basic and diluted share compared to a net loss of $1.6 million, or $0.06 per basic and diluted share in the prior year period.

    Cash Position: As of June 30, 2023, the Company had cash and cash equivalents of $21.6 million.

    Conference Call and Webcast Information

    As previously announced, Eton will host its second quarter 2023 conference call as follows:

    Date:Time:Register* (Audio Only)      Thursday, August 10, 20234:30 p.m. ET (3:30 p.m.CT)Click here      

    In addition to taking live questions from participants on the conference call, management will be answering emailed questions from investors. Investors can email questions to: investorrelations@etonpharma.com.

    The live webcast can be accessed on the Investors section of Eton’s website at https://ir.etonpharma.com/. An archived webcast will be available on Eton’s website approximately two hours after the completion of the event and for 30 days thereafter.

    * Conference call participants should register to obtain their dial-in and passcode details. Please be sure to register using a valid email address.

    Forward-Looking Statements

    Statements contained in this press release regarding matters that are not historical facts are "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995, including statements associated with the expected ability of Eton to undertake certain activities and accomplish certain goals and objectives. These statements include but are not limited to statements regarding Eton’s business strategy, Eton’s plans to develop and commercialize its product candidates, the safety and efficacy of Eton’s product candidates, Eton’s plans and expected timing with respect to regulatory filings and approvals, and the size and growth potential of the markets for Eton’s product candidates. Because such statements are subject to risks and uncertainties, genuine results may differ materially from those expressed or implied by such forward-looking statements. Words such as "believes," "anticipates," "plans," "expects," "intends," "will," "goal," "potential" and similar expressions are intended to identify forward-looking statements. These forward-looking statements are based upon Eton’s current expectations and involve assumptions that may never materialize or may prove to be incorrect. genuine results and the timing of events could differ materially from those anticipated in such forward-looking statements as a result of various risks and uncertainties, which include, without limitation, risks associated with the process of discovering, developing and commercializing drugs that are safe and effective for use as human therapeutics, and in the endeavor of building a business around such drugs. These and other risks concerning Eton’s development programs and financial position are described in additional detail in Eton’s filings with the Securities and Exchange Commission. All forward-looking statements contained in this press release speak only as of the date on which they were made. Eton undertakes no obligation to update such statements to reflect events that occur or circumstances that exist after the date on which they were made.

    About Eton Pharmaceuticals

    Eton is an innovative pharmaceutical company focused on developing, acquiring, and commercializing innovative products to address unmet needs in patients suffering from rare diseases. The Company currently has three commercial rare disease products, ALKINDI SPRINKLE® for the treatment of pediatric adrenocortical insufficiency, Carglumic Acid for the treatment of hyperammonemia due to N-acetylglutamate synthase (NAGS) deficiency, and Betaine Anhydrous for the treatment of homocystinuria. The Company has four additional product candidates in late-stage development: dehydrated alcohol injection, which has received Orphan Drug Designation for the treatment of methanol poisoning, ZENEO® hydrocortisone autoinjector for the treatment of adrenal crisis, ET-400 for the treatment of adrenocortical insufficiency, and ET-600 for the treatment of diabetes insipidus. For more information, please visit their website at www.etonpharma.com.

    Investor Relations:Lisa M. Wilson, In-Site Communications, Inc.T: 212-452-2793E: lwilson@insitecony.com

    Eton Pharmaceuticals, Inc.Condensed Statements of Operations(In thousands, except per share amounts)(Unaudited)

      For the three months ended     For the six months ended     June 30,     June 30,     June 30,     June 30,     2023     2022     2023     2022   Revenues:                               Licensing revenue $ 5,500     $ 5,000     $ 5,500     $ 5,000   Product sales and royalties   6,497       2,358       11,801       4,534   Total net revenues   11,997       7,358       17,301       9,534                                   Cost of sales:                               Licensing revenue   —       990       —       990   Product sales and royalties   2,315       1,755       4,273       2,604   Total cost of sales   2,315       2,745       4,273       3,594                                   Gross profit   9,682       4,613       13,028       5,940                                   Operating expenses:                               Research and development   1,125       690       1,660       2,308   General and administrative   4,674       5,263       10,019       10,059   Total operating expenses   5,799       5,953       11,679       12,367                                   Income (loss) from operations   3,883       (1,340 )     1,349       (6,427 )                                 Other income (expense):                               Other income   800       —       800       —   Interest and other expense, net   (124 )     (218 )     (250 )     (461 ) Total other income (expense)   676       (218 )     550       (461 )                                 Income (loss) before income tax expense   4,559       (1,558 )     1,899       (6,888 )                                 Income tax expense   —       —       —       —                                   Net income (loss) $ 4,559     $ (1,558 )   $ 1,899     $ (6,888 ) Net income (loss) per share, basic $ 0.18     $ (0.06 )   $ 0.07     $ (0.28 ) Weighted average number of common shares outstanding, basic   25,593       25,126       25,560       24,915   Net income (loss) per share, diluted $ 0.18     $ (0.06 )   $ 0.07     $ (0.28 ) Weighted average number of common shares outstanding, diluted   25,983       25,126       25,949       24,915                                  

    Eton Pharmaceuticals, Inc.Condensed Balance Sheets(in thousands, except share and per share amounts)

        June 30, 2023     December 31, 2022       (Unaudited)           Assets                 Current assets:                 Cash and cash equivalents   $ 21,566     $ 16,305   Accounts receivable, net     3,084       1,852   Inventories     816       557   Prepaid expenses and other current assets     867       1,290   Total current assets     26,333       20,004                     Property and equipment, net     46       72   Intangible assets, net     4,392       4,754   Operating lease right-of-use assets, net     149       188   Other long-term assets, net     12       12   Total assets   $ 30,932     $ 25,030                     Liabilities and stockholders’ equity                 Current liabilities:                 Accounts payable   $ 2,300     $ 1,766   Current portion of long-term debt     1,540       1,033   Accrued liabilities     5,748       3,662   Total current liabilities     9,588       6,461                     Long-term debt, net of discount and including accrued fees     4,553       5,384   Operating lease liabilities, net of current portion     66       107                     Total liabilities     14,207       11,952                     Commitments and contingencies (Note 11)                                   Stockholders’ equity                 Common stock, $0.001 par value; 50,000,000 shares authorized; 25,561,994 and 25,353,119 shares issued and outstanding at June 30, 2023 and December 31, 2022, respectively     26       25   Additional paid-in capital     117,934       116,187   Accumulated deficit     (101,235 )     (103,134 ) Total stockholders’ equity     16,725       13,078                     Total liabilities and stockholders’ equity   $ 30,932     $ 25,030                    

    Eton Pharmaceuticals, Inc.Condensed Statements of Cash Flows(In thousands)(Unaudited)

        Six months ended     Six months ended       June 30, 2023     June 30, 2022   Cash flows from operating activities                 Net income (loss)   $ 1,899     $ (6,888 )                   Adjustments to reconcile net income (loss) to net cash provided by operating activities:                 Stock-based compensation     1,657       2,383   Depreciation and amortization     424       1,352   Debt discount amortization     61       66   Changes in operating assets and liabilities:                 Accounts receivable     (1,232 )     4,637   Inventories     (259 )     19   Prepaid expenses and other assets     423       1,827   Accounts payable     537       (475 ) Accrued liabilities     2,045       763   Net cash provided by operating activities     5,555       3,684                     Cash flows from investing activities                 Purchases of product license rights     —       (750 ) Purchases of property and equipment     —       (26 ) Net cash used in investing activities     —       (776 )                   Cash flows from financing activities                 Repayment of long-term debt     (385 )     (385 ) Proceeds from employee stock purchase plan and stock option exercises     272       117   Payment of tax withholding related to net share settlement of stock option exercises     (181 )     —   Net cash used in financing activities     (294 )     (268 )                   Change in cash and cash equivalents     5,261       2,640   Cash and cash equivalents at beginning of period     16,305       14,406   Cash and cash equivalents at end of period   $ 21,566     $ 17,046                     Supplemental disclosures of cash flow information                 Cash paid for interest   $ 426     $ 378   Cash paid for income taxes   $ —     $ —                    

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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