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 : CPIM-BSP
Exam Name : CPIM - Basics of Supply Chain Management
Vendor Name : APICS
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CPIM-BSP exam Format | CPIM-BSP Course Contents | CPIM-BSP Course Outline | CPIM-BSP exam Syllabus | CPIM-BSP exam Objectives


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 Certification

What 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 Program

Drexel 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 degree

The 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 teach

If 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 program

Once 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 experience

While 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 exams

Once 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 licensed

Once 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 Specialties

The School of Education offers eight content-specific areas of study each leading to their own certifications with required courses and Praxis exams:

  • Biology
  • Chemistry
  • Earth and Space Science
  • English
  • General Science
  • Mathematics
  • Physics
  • Social Studies
  • Pennsylvania ​Teaching ​Certification ​Requirements

    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 Requirements

    Pennsylvania’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 Requirements

    The​ ​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:

  • Instructional​ ​I​ ​Certification
  • A​ ​minimum​ ​of​ ​three​ ​years​ ​and​ ​a​ ​maximum​ ​of​ ​six​ ​years​ ​of​ ​teaching​ ​experience on​ ​an​ ​Instructional​ ​I​ ​Teaching​ ​Certificate
  • 24​ ​semester-hour​ ​(or​ ​36​ ​quarter-hour)​ ​credits​ ​beyond​ ​a​ ​bachelor’s​ ​degree Completion​ ​of​ ​an​ ​induction​ ​program​ ​(generally​ ​provided​ ​by​ ​a​ ​teacher’s​ ​school of​ ​employment)
  • Required​ ​Exams​ ​for​ ​a Certificate of Elementary​ ​Education​ ​(Grades​ ​PreK–4)

    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​ ​48

    To​ ​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 ​Program

    Drexel 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 Requirements

    Certification 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 Apply

    Candidates 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 Level

    Please 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 projects

    Certified 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.

  • Professional experience accrues as soon as the minimum education requirements are met (typically with an appropriate bachelor’s degree). Professional experience during graduate studies shall be counted the same as any other professional experience regardless of whether it was undertaken during a degree program such as a master’s or doctoral program.
  • For recertifications, courses completed as part of a graduate degree program (or outside a degree program) may be counted toward continuing education in the appropriate category.
  • If courses during graduate training are used to satisfy the minimum education requirements, professional work experience may be counted after the last such course is successfully completed.
  • Provide an appropriate explanation of time spent in full-time employment (e.g. if working through school, during a gap year, etc.) in your application.
  • Length of experience will be evaluated only up to the application submission date.
  • Continuing Education

    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 Conduct

    All 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 Materials

    You can review the full application requirements here.

    Here are additional details about the requirements for each certification level.

    Ecologist in Training

    This 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 bachelor’s or higher degree in ecology or a related science from an accredited college or university.
  • 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 Ecologist

    This 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 bachelor’s or higher degree in ecology or a related science from an accredited college or university.
  • At least one year of post-graduate professional experience gained in the performance of research or data analysis demonstrating technical competence in current application of ecological principles and/or theory.
  • Relevant experience should have been gained within the five years preceding application at this level. The Board will consider exceptions on a case-by-case basis; applicants whose relevant experience falls outside the five years should provide a detailed explanation of their professional experience outside of that time window in their cover letter.
  • 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.

    Ecologist

    This category is for established professional ecologists.

  • A master’s degree or higher in ecology or a related science from an accredited college or university and at least two years of full-time equivalent professional experience after degree; OR at least five years of professional experience in addition to the education requirement for Associate Ecologist.
  • In addition to the one-year experience requirement for Associate Ecologist, candidates must also demonstrate the ability to perform professional work in ecology, as outlined in the table above. This professional work must follow completion of the education requirement for qualification at the Ecologist level.
  • Relevant experience should have been gained within the five years preceding application at this level. The Board will consider exceptions on a case-by-case basis; applicants whose relevant experience falls outside the five years should provide a detailed explanation of their professional experience outside of that time window in their cover letter.
  • Note that, beginning in 2022, Ecologist in Training or Associate Ecologist certification holders who achieve a relevant doctoral degree may upgrade to the Ecologist level without completing other CEU for that 5-year certification period.
  • 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 Emeriti

    This category is for previously Certified Ecologists who are no longer working full-time. The requirements are:

  • Previously certified as a Certified Ecologist for at least 10 years, with no more than a total two-year lapse between periods of certification.
  • May no longer be employed full-time.
  • DO NOT USE THE APPLICATION FORM for this designation. Contact cert@nullesa.org if you are interested.
  • 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 Ecologist

    This 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 doctoral degree in ecology or a related science from an accredited college or university and at least five years of full-time equivalent professional experience after degree; OR at least 10 years of professional experience after completion of the minimum education requirements for certification (qualifying bachelor’s degree or completion of required coursework in post-baccalaureate courses).
  • Course requirements may be met with post-qualifying degree (post-baccalaureate or post-master’s) courses from an accredited college or university, but professional experience may not be counted until all coursework requirements for certification are met.
  • Relevant experience should have been gained within the five years preceding application at this level. The Board will consider exceptions on a case-by-case basis; applicants whose relevant experience falls outside the five years should provide a detailed explanation of their professional experience outside of that time window in their cover letter.
  • Note that, beginning in 2022, Ecologist certification holders who achieve a doctoral degree may upgrade to the Senior Ecologist level without completing other CEU for that 5-year certification period.
  • 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 Emeriti

    This category is for previously certified Senior Ecologists who are no longer working full-time. The requirements are:

  • Previously certified as a Senior Ecologist for at least 10 years, with no more than a total two-year lapse between periods of certification.
  • May no longer be employed full-time.
  • DO NOT USE THE APPLICATION FORM for this designation. Contact cert@nullesa.org if you are interested.
  • 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