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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This course focuses on management and improvement of supply chain processes and performance. It will be valuable for students who would like to pursue a career in consulting or take a position in operations, marketing or finance functions in a manufacturing or distribution firm. They explore important supply chain metrics, primary tradeoffs in making supply chain decisions, and basic tools for effective and efficient supply chain management, production planning and inventory control, order fulfillment and supply chain coordination. They will also investigate subjects such as global supply chain design, logistics, and outsourcing, several other recent supply chain innovations.
The class format includes lectures, case discussions, guest speakers, and simulation games. The content covers both quantitative and qualitative materials. The cases will feature high-tech companies as well as firms in more traditional industries such as apparel and manufacturing.
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APICS CPIM certification
Course CertificationWhat is course certification?The purpose of the USATF course certification program is to produce road race courses of accurately measured distances. For any road running performance to be accepted as a record or be nationally ranked, it must be run on a USATF-certified course. In addition, the certification program is very important to the average road racer, as well as those of exceptional speed. Most runners like to compare performances run on different courses, and such comparisons are difficult if course distances are not reliable. No one can truly establish a personal best if the course distance is not accurate. What is a USATF Sanction?A USATF Sanction is an official designation issued by USATF, through a local Association, which approves and licenses the holding of a competitive track and field, long distance running, or race-walking event in the United States. USATF Sanctioned Events are provided with liability insurance. Only USATF Sanctioned Events are eligible for National and World Records. Learn more here. Why Do I need both?For a road running performance to not only be accepted by USATF but recognized and ratified by USATF, the performance must have occurred on both a USATF certified course and a USATF sanctioned event. With new standards and requirements for world and national ranking, it is imperative that events have both a USATF course certification and a USATF Sanction for athletes to recognize the full benefit of running at a particular road race. While both programs work independently of one another, only events that have both a USATF course certification and a USATF Sanction are record eligible. For athletes, check here for the list of sanctioned events to see if your next race is record eligible. Post Baccalaureate Teacher Certification ProgramDrexel University School of Education What is the Post Baccalaureate Teacher Certification?The Post Bachelor’s Baccalaureate Teaching Certification program in Elementary Education (grades PreK-4), Middle Level (grades 4-8), and Secondary Education (grades 7-12) are designed for professionals who hold a bachelor’s degree and who seek to qualify for Pennsylvania state teacher certification at the elementary, middle, or secondary level. Students take courses online that satisfy Pennsylvania teaching certificate requirements while completing the required number of weeks of students teaching. Pennsylvania has reciprocation agreements with nearly every state in the U.S. meaning you can transfer your teaching certificate to another state. What Can You Do with a Post Baccalaureate Teacher Certification?The curriculum for this teacher certificate program at Drexel University is designed for those changing careers into the education field, as well as those who already serve as temporary, emergency, or substitute teachers and wish to earn a formal teaching credential. Students who wish to complete a master’s degree in Teaching, Learning and Curriculum have the opportunity to transfer the credits earned in the Post Bachelor’s Teaching Certificate into the MS in Teaching, Learning & Curriculum program. The PA teacher certification program requirements at Drexel University’s School of Education prepares students for a Pennsylvania Instructional I Certificate. How Long Does it Take to Get a Teaching Certification?A commonly asked question regarding their programs, is "how long is the teacher certification program"? If you already have a bachelor's degree, the elementary, middle level and secondary education programs typically take two years to complete. Drexel also offers a dual certification option for secondary and special education. A bachelor's degree program typically takes up to 4 years to complete. How to Get a Teaching Certification 1. Earn your bachelor's degreeThe first step towards becoming a K-12 teacher is to earn a bachelor’s degree. If you earn a bachelor’s degree in a program that leads to teaching certification, such as elementary education or teacher education, you will graduate with all the requirements necessary to become a licensed teacher. If your bachelor’s degree is in a non-teaching program, you will need to follow the next steps on this list to complete your educator certification program.. 2. Decide what subject and/or grade level you want to teachIf you already have a bachelor’s degree, you can become a teacher through their teacher certification program. The first step is to determine what subject you would like to teach. Some students choose a subject that reflects their bachelor’s degree experience while others may choose a new subject that they are passionate about. 3. Complete a certification programOnce you have decided on a subject, you should enroll in a teacher certification program and focus on your chosen subject. You will complete required coursework for certification and gain the knowledge needed to complete the required Praxis exams. 4. Gain student teaching experienceWhile you complete your required coursework, you will also gain the required hours of student teaching experience. Most teacher certification programs require 12 weeks of student teaching experience. The School of Education’s Field Placement Office assists students with identifying student teaching opportunities in school districts close to where they live, anywhere in the U.S. and other parts of the world. 5. Pass your certification examsOnce you have completed your required courses and student teaching experience, you will schedule and sit for your Praxis exams. Passing the required exams is a critical final step to become a certified teacher. Passing the exams will allow you to begin teaching in classrooms on your own. Some school districts may allow emergency certifications to allow teachers who have not completed their exams to teach in their schools for a certain period of time until they can pass the required exams. 6. Become licensedOnce you have passed the required exams, you will be issued an Instructional I teaching certificate in the state where you took the exams. As a certified teacher, you will be eligible for teaching positions in the subject in which you are certified. You can add additional certifications or complete requirements for an Instructional II teaching certificate as you advance in your career. Post Baccalaureate Teacher Certification Program Options Post Bachelor's Middle Level Teaching Certificate (Grades 4-8)Drexel's Post Bachelor's Teaching Certificate in Middle Level (grades 4-8) is ideal for students who would like to teach middle school students in the areas of Math, Science, English, and Social Studies. In addition to gaining knowledge of effective teaching methods, students will also learn how to create culturally responsive pedagogy and create a safe, productive, and positive classroom environment that facilitates learning for all students. The coursework for a certificate for middle level education consists of 33 credit hours (13 courses) and includes mandatory field-based experiences and 12 weeks of student teaching. The Post Bachelor's Teaching Certificate for Middle Level (Grades 4-8) curriculum and course descriptions may be found in the Drexel Online Course Catalog. Post Bachelor’s Secondary Education Teaching Certificate (Grades 7-12)The Post Bachelor’s Teaching Certificate in Secondary Education (Grades 7-12) is designed for individuals who hold a bachelor’s degree and who seek to qualify for PA state teacher certification at the secondary level. The curriculum is designed for those changing careers as well as those who already serve as temporary, emergency, or substitute teachers and wish to earn a formal teaching credential. The coursework for a general certificate of secondary education consists of 30 credit hours (11 courses) and includes mandatory field-based experiences and 12 weeks of student teaching. The Post Bachelor's Teaching Certificate for Secondary Education (Grades 7-12) curriculum and course descriptions may be found in the Drexel Online Course Catalog. Teacher Certification SpecialtiesThe School of Education offers eight content-specific areas of study each leading to their own certifications with required courses and Praxis exams: Once a student has successfully completed their course of study and all exams required by the Pennsylvania Department of Education (PDE), Drexel recommends the student to PDE for issuance of the appropriate teaching certificate. Instructional I Teacher Certification RequirementsPennsylvania’s initial state certification is known as “Instructional I” and is valid for a total of six years (the six years need not be continuous). To continue teaching after six years, teachers must receive an Instructional II Certification. Instructional II Teacher Certification RequirementsThe Instructional II Certification is considered a “permanent” certification. (It must, however, be renewed every five years through the fulfillment of continuing education requirements.) A teacher applying for Instructional II Certification must have: The PA Educator Certification Tests (PECT) are required for Elementary Certification (Grades PreK–4). Students are required to take the appropriate exam for each area of certification sought. For more information about examinations and registration, visit the PA Educator Certification Tests (PECT). Required Exams for a Certificate of Secondary Education (Grades 7-12)All Post Bachelor’s students seeking certification in Secondary Certification (Grades 7–12) are required to pass the Praxis II Series. Students must pass the appropriate Praxis II Content Knowledge test(s) for each area of certification they wish to obtain. For more information about examination and registration, please visit the Praxis Series. How to Maintain a Valid Teacher Certification through Act 48To maintain Instructional I and Instructional II Certifications in Pennsylvania, the PDE requires a certified teacher to complete the minimal equivalent of six semester-hour (or nine quarter-hour) credits, 180 professional development hours, or a combination of credits and professional development hours every five years. College credits must be acquired from an accredited four-year, degree-granting college or university. Note: For those working to acquire Instructional II Certification, the 24 semester credits or 36 quarter credits needed to apply for Instructional II may also count toward Act 48 requirements. Undergraduate credits from a community college may not be counted toward Act 48 credits for Instructional II Certification. For more information and to apply credits to your state record, visit the PA Department of Education Act 48 Continuing Professional Education. How to Apply to the Teacher Certification ProgramDrexel University's Post-Bachelor's Teacher Certification courses are offered 100% online. You can get started by filling out the appropriate Drexel Online Application for an online Post-Baccalaureate Teacher Certification: Certification RequirementsCertification now follows a rolling model for applications and approvals. If you have questions after reviewing this website, please contact cert@nullesa.org or 202-833-8773. The period of certification lasts for 5 years, retroactive to the first day of the month the application was approved and expiring on the final day of the same month 5 years hence. ESA staff will communicate with you about your status beginning at least 60 days prior to expiration, and will additionally remind you to submit your CEU data on a regular basis. If you currently hold a certification from pre-2021 and will expire the next June from now, you should recertify in the spring of the year your certification expires; if your certification expired in the previous June, you may still recertify or upgrade. We allow 2 years’ grace periods to recertify or upgrade, but you will be required to pay a penalty fee if your certification has lapsed beyond that grace period. All recertifications at all levels (except Emeritus) cost $25 for ESA Members and $50 for non-members. Starting in 2022, the penalty fee is the cost of recertification for each year of lapse, with the first 2 years waived if you recertify within 2 years. In other words: 0 yr lapsed: $25 for recertify 1 yr lapsed: $25 for recertify (1 yr of back recertification fees waived) 2 yr lapsed: $25 for recertify (2 yr of back recertification fees waived) 3 yr lapsed: $75 for recertify 4 yr lapsed: $100 for recertify Minimum Education Requirements to ApplyCandidates for certification must have completed at least a bachelor’s degree or a higher degree in ecology or a related science. Completed undergraduate or graduate coursework must include the following, totaling 42 semester credit hours. Full requirements include areas of coursework and should include some core topics. Eligibility per LevelPlease use this table for a general overview of requirements; specifics for each category follow below. Following approval of the minimum CEU type requirements by the Board of Professional Certification, this table will list requirements to upgrade as well. Degree Requirement Professional Experience (Years) Ecologist in Training Bachelor’s + 0 Cover Letter Detail: Career aspirations, highlights of research/work to date — Associate Ecologist Bachelor’s + 1 Cover Letter Detail: Field work, data skills, understanding of the human dimension in ecological systems — Ecologist Bachelor’s + 2 with master’s/doctoral degree; 5 with bachelor’s Cover Letter Detail: Independent studies, complex data analyses, journal publication, report writing, oral presentations, understanding of the human dimension in ecological systems — Senior Ecologist Bachelor’s + 5 with doctoral degree; 10 with bachelor’s/master’s Cover Letter Detail: Thorough knowledge of ecological theory and application, including the interdependence and impact of humans on ecosystem structure, function, and environmental change; written original contributions of original interpretation of ecological information; technical or organizational competence as evidenced by supervision of projectsCertified Ecologist and Senior Ecologist certification holders who hold that status for at least 10 consecutive years and are no longer working full-time may upgrade to each level’s respective Emeritus/ta designation. Contact cert@nullesa.org to learn more. Please note that beginning 2021, all newly certified ecologists are required to complete 44 continuing education units over 5 years to be eligible for recertification or upgrade. Currently certified ecologists will be permitted to recertify or upgrade per their original requirements up to 2025; beginning with 2026, all recertifications and upgrades will require having met the CEU requirements. The ESA Board of Professional Certification approved this framework in January 2021. Certified ecologists should report their CEU as they are earned, or at least on an annual basis. You can see how to do so here. Interpretive leeway will be given to participants to identify suitable professional development opportunities per the requirements. ESA is partnering with other scientific organizations and training bodies to recommend opportunities for CEU in addition to the content that ESA provides — see the directory. Participants are encouraged to share ideas with staff as well. Ethics and Professional ConductAll ecologists certified by ESA shall conduct their activities in accordance with the ESA Code of Ethics and with the highest standards of professional conduct and personal honor. Application MaterialsYou can review the full application requirements here. Here are additional details about the requirements for each certification level. Ecologist in TrainingThis category is for graduating students who have met the education requirements for ESA certification but do not have the required professional experience for the current certification categories. The basic requirement is: A holder of the Ecologist in Training designation is encouraged to use the full term, “Ecologist in Training,” on business cards or in official signatures, but may use the initialism “EiT” if space limits require. Associate EcologistThis category is for ecologists in the early stages of their career. Course requirements may be met with post-baccalaureate courses from an accredited college or university, but professional experience may not be counted until all coursework requirements for certification are met. The basic requirements are: A holder of the Association Ecologist designation is encouraged to use the full term, “Certified Associate Ecologist,” on business cards or in official signatures, but may use the initialism “CAE” if space limits require. EcologistThis category is for established professional ecologists. A holder of the Ecologist designation is encouraged to use the full term, “Certified Ecologist,” on business cards or in official signatures, but may use the initialism “CE” if space limits require. Certified Ecologist EmeritiThis category is for previously Certified Ecologists who are no longer working full-time. The requirements are: If the Certified Ecologist Emeritus/ta desires to depict certification on any official document, they are encouraged to use the term “Certified Ecologist Emeritus/ta.” This is meant as an honorary lifetime recognition and does not imply continued professional status. The initialism “CEE” is acceptable if space limits require. Senior EcologistThis category is for professional leaders in ecology who have established a track record of excellent contributions to the field in applied and analytical environments. A holder of the Senior Ecologist designation is encouraged to use the full term, “Certified Senior Ecologist,” on business cards or in official signatures, but may use the initialism “CSE” if space limits require. Recertification applications at the senior ecologist level require only a cover letter and up-to-date CV if the applicant is, at the time of application, currently certified as a Senior Ecologist by ESA and a member of the Society in good standing. Senior Ecologist EmeritiThis category is for previously certified Senior Ecologists who are no longer working full-time. The requirements are: If the Senior Ecologist Emeritus/ta desires to depict certification on any official document, they are encouraged to use the term “Senior Ecologist Emeritus/ta.” This is meant as an honorary lifetime recognition and does not imply continued professional status. The initialism “SEE” is acceptable if space limits require. |
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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