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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APICS CSCP : APICS Certified Supply Chain Professional exam Dumps

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Exam Number : CSCP
Exam Name : APICS Certified Supply Chain Professional
Vendor Name : APICS
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CSCP exam Format | CSCP Course Contents | CSCP Course Outline | CSCP exam Syllabus | CSCP exam Objectives

Earning the Certified Supply Chain Professional (CSCP) designation demonstrates your mastery of the essential technology, concepts and strategies in supply chain management and enterprise resource planning.

Earning the CSCP can:

Demonstrate competency in end-to-end supply chain management.

Increase your salary and Excellerate your hiring potential.

Prove mastery of concepts, strategies, and terminologies and increase functional knowledge of the end-to-end supply chain.

Improve internal operations and increase customer satisfaction.

Demonstrate your commitment to advancing both your career and your companys operations.

Supply Chain Design

- Considering inputs and objectives of supply chain management strategy

- Recognizing and resolving misalignments and gaps

- Accounting and financial reporting information, strategic analysis tools, and economic considerations

- Designing the supply chain while understanding and working within business considerations

- Designing fulfillment strategies and products for different markets and requirements

- Identifying and managing market segments

- Understanding electronic business considerations and key technology applications

- Understanding implementation tools including project management processes communication

Supply Chain Planning and Execution

- Procuring and delivering goods and services using supply chain management

- Using demand management, including demand forecasting and prioritization

- Using master planning, master scheduling, and sales and operations planning (S&OP)

- Managing, planning, and controlling inventory

- Understanding the effects of inventory on financial statements and inventory-related cost categories

- Managing supply in the supply chain based on total cost of ownership and make-versus-buy analysis

- Developing supply plans based on buyer-supplier relationships

- Logistics and warehouse management, forecasting, and planning

- Making considerations for trade, regulation, and currency funds flow

- Segmentation of customer-driven marketing, customers, suppliers, and other partners

- Fundamentals of supplier relationship management (SRM) and customer relationship management (CRM)

- Managing reverse logistics and waste

Supply Chain Improvement and Best Practices

- Standards, regulations, and sustainable best practices compliance

- International standards and considerations for import/export, intellectual property, licensing, tax and accounting, and labor laws

- Corporate social responsibility for sustainability, UN Global Compact, and GRI initiatives

- Accreditation, certifications, and standards for quality, environmental, social, and safety

- Identifying, assessing, classifying and responding to risks

- Compliance, security, and regulatory concerns

- Improving the supply chain through measuring performance and supply chain metrics focused on customers, financial reports, and operational practices, and customer service

- Utilizing continuous improvement and change management techniques and principles, including lean and just-in-time as well as other continuous improvement philosophies

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What Is a Chiropractor?

A chiropractor is a licensed health care professional who focuses on your body's capability to heal itself.

Chiropractic is a health care profession that cares for your neuromusculoskeletal system—the bones, nerves, muscles, tendons, and ligaments. A chiropractor helps manage back and neck pain through the use of spinal adjustments to maintain good alignment.

Chiropractic is focused on the body's ability to self-heal and includes other treatments like nutrition and exercise.

By improving the neuromusculoskeletal system's ability to perform, chiropractors believe the benefits of spinal adjustment and realigning joints Excellerate the functioning of other systems throughout the body.

A chiropractor cares for the bones, nerves, muscles, tendons, and ligaments in your body. Photo Credit: Shestock / Getty Images

Chiropractor vs. osteopath

Both areas are very similar. Chiropractors and osteopaths both work with your bones, connective tissue, and muscles to help with your body's function and structure. Osteopaths usually take a 4-year course to earn their BSc degree (BOst). Chiropractors have 4-5 years of training including a BSc in human sciences and chiropractic, as well as a year of postgraduate training. Then, they'll earn their degree in chiropractic.

Both experts use a common technique called the "high velocity thrust." This is a short and sharp motion done on your spine. It can be done in many ways. Chiropractors usually push on your spine with their hands, while osteopaths tend to use your arms and legs to make the thrusts. Many other movements are shared between the two professions.

Your chiropractor might use X-rays to help diagnose you, while an osteopath usually uses them to rule out other potential issues.

Treatment with your chiropractor might include six sessions. The first ones might be more frequent, while the later sessions may be on a weekly basis. With an osteopath, you'll tend to go to them "as needed" instead.

Chiropractors conduct an examination of a patient, looking at their spine's position and muscle reflexes. They also perform tests to diagnose the patient's condition, then come up with a treatment plan and monitor progress.

Chiropractors do not prescribe pain medication. Instead, they rely on and assist the body's ability to heal itself. A chiropractor's primary therapy is spinal manipulation where they use hands or instruments to apply force to a joint in the spine, moving the joint in a specific direction for better alignment.

Your chiropractor may perform treatments such as:

Adjustments. This can help realign your body, allow you to move better, and lower any pain you have.

Exercise. Your chiropractor might have you stretch or do certain exercises to help with joint mobility and balance.

Soft tissue therapy. This can help ease spasms, tension, and tight muscles in your body.

Kinesio taping. Your chiropractor might perform joint bracing or tapping to help with sprained joints or muscles.

Other treatments might include hot and cold treatment, diet and weight loss counseling, or relaxation methods.

Sometimes to relieve pain, chiropractors will go further by using massage therapy, ultrasound, braces, and shoe inserts. They might also refer you to other certified like integrative medicine experts. They can give you more information on how to lower inflammation and keep a healthy weight through nutrition.

Where do chiropractors work?

Many chiropractors work alone, many times in special rooms within their own homes. Some also work in group clinics, general practices, or multidisciplinary practices.

Some chiropractors have contracts with health authorities, primary care groups, or other practices as well.

While chiropractors don't hold a medical doctor (MD) degree, they are doctors of chiropractic care. They're not medical doctors but are still considered doctors. Chiropractors study a lot of the same subjects that medical doctors do. This includes physiology, orthopedics, anatomy, microbiology, radiology, and more. They also have a very similar amount of patient experience time, hours spent in classes, and time spent in labs like medical school students.

In the U.S., the Doctor of Chiropractic degree is usually a 4-year program on top of 3 years of undergraduate study.

All states require a chiropractor to earn a Doctor of Chiropractic degree, pass the National Board of Chiropractic Examiners exam, and obtain a license to practice in that state. Doctoral programs provide studies in life sciences like anatomy and physiology. They also provide supervised experience in making exams, hands-on spinal adjustment techniques, and business training.

In order to start a Doctor of Chiropractic degree program in the U.S., you must have at least 3 years of undergraduate education. To give out this degree, an institution must be accredited by the Council on Chiropractic Education.

This degree includes classes that cover anatomy, physiology, and other basic sciences. It also provides supervised clinical experience where you learn different hands-on skills.

You may also choose to complete postgraduate education in more focused areas, like pediatrics or orthopedics.

Some states require a background check and exams in that state's laws about chiropractic. And as a condition of ongoing licensing, all states require continuing education.

Chiropractor salary

Chiropractors made a median salary of $75,000 per year (or $36.06 per hour) as of 2021.

Low back pain, neck pain, and headache are the most common problems for which people seek chiropractic adjustment. Chiropractic care is a useful pain management resource. Chiropractors ensure the muscles surrounding the joints are working properly.

Chiropractors can also treat arthritic joint functioning. Depending on the type of arthritis, the chiropractor may provide gentle manipulation to increase range of motion and reduce muscle spasms.

A chiropractor can also treat things like:

  • Pain or issues after whiplash or an accident
  • Joint pain or joints that won't function properly
  • Stiff muscles or muscle aches
  • Chiropractor for sciatica

    If you have pain, numbness, tingling, or weakness from sciatica, a chiropractor may be able to help you. They can help figure out what's causing the issue. Plus, you don't need a referral to see a chiropractor, and they're covered under most insurance plans.

    Your chiropractor can analyze your symptoms and decide the next best step. This might include:

    Therapy. This might include heat application, massage and manipulation, acupuncture, stretching, and exercise.

    Medications. They may suggest you talk to your doctor about a short-term prescription muscle relaxer, anti-inflammatory drug, or steroid.

    Imaging scans. You may need to have an X-ray or MRI to look deeper into your pain.

    Referrals. Your chiropractor may refer you to an occupational therapist, a physical therapist, or an acupuncturist.

    If you do not want to use medication, see a chiropractor to manage or eliminate your pain in the low back, neck, and head. But there are other reasons to seek chiropractic therapy. They include:

  • Preventing disease
  • Increasing energy
  • Fostering overall well-being
  • It generally takes 6-10 visits to a chiropractor for most people to experience relief.

    How much does a chiropractor cost?

    Every location will have different prices. On the low end, an appointment may cost as low as $20. But it could range anywhere up to a few hundred dollars per appointment. If you have insurance, check to see if it covers your appointments. But some practices don't take insurance at all. This is because it can be difficult for practices, especially smaller ones, to go through the process of working with insurance companies.

    Some practices also offer sessions in packages. If you buy sessions from a practice that does this, you'll pay up front for multiple sessions as opposed to paying per session.

    Your first visit to the chiropractor will begin with an exam. You will likely be given a list of health questions to complete. Your chiropractor may also want to know if you have a history of migraines, your sleeping patterns, your diet, and if you are physically active.

    You will also have a physical exam including your posture, a test of your muscle strength, your arm and leg mobility, and anything out of the ordinary like a shoulder or hip out of alignment.

    Your chiropractor may also take an X-ray.

    During a chiropractic procedure

    Your chiropractor is trained in over 150 techniques, most of which rely on gentle manipulation.

    To access various areas of your body, your chiropractor may position you in different ways. But usually, you will be on a specially padded chiropractic table, face down for chiropractic adjustments. As your chiropractor realigns your spine or joints using controlled force, you may hear popping and cracking sounds.

    Your chiropractor may place you on a drop table, designed with sections that drop down when pressure is applied to the back. Another piece of equipment your chiropractor may use is known as an activator, a small device that may be used for gentle manipulation.

    Following a chiropractic procedure

    For several days following your visit, you may have a mild headache or feel fatigued or have soreness in the treated areas.

    On rare occasions following a chiropractic procedure, some people experience problems that include:

    However, most people experience immediate relief and over time see their health improve. Your chiropractor can provide you with valuable information such as good posture when standing, sleeping, and sitting at a desk.

    You should contact your primary care physician if your chiropractic care does not alleviate your pain or if it gets worse. Also, contact your doctor if you notice anything unusual like feeling weak or experiencing numbness.

    Chiropractors focus on your body's capability to heal itself. They work on your bones, nerves, muscles, tendons, and ligaments. They perform things like adjustments, exercise therapy, soft tissue therapy, and kinesio tapping. Chiropractic is similar to osteopathy. Chiropractors aren't medical doctors, but they go through similar schooling and training like medical doctors. They treat many different issues including low back pain, neck pain, and headache.

    What does a chiropractic adjustment do for you?

    Controlled and sudden force on your spinal joint will help Excellerate the motion of your spine and your body's overall physical function.

    Are chiropractors good for lower back pain?

    Chiropractors can help you solve your lower back pain. In rare cases, you could have serious complications. Don't get adjusted for lower back pain if you have cancer in your spine, a higher risk of stroke, a bone abnormality in your upper back, severe osteoporosis, or numbness, tingling, and loss of strength in an arm or a leg.

    What is chiropractic therapy used for?

    Chiropractic therapy cares for your neuromusculoskeletal system (bones, nerves, muscles, tendons, and ligaments).

    Is chiropractic therapy good for you?

    Chiropractic therapy can be very helpful. In rare cases, it can lead to issues.

    Is chiropractic safe for sciatica?

    Yes, chiropractic is safe and effective for sciatica.

    Can chiropractors reduce swelling?

    In some cases, chiropractors could help with your swelling. But make sure you know the cause of inflammtion first. For example, swelling with arthritis shouldn't be treated with chiropractic.

    Brain Waves

    We strive to help their clients feel welcome and express whatever is on their mind and heart. Whether this is a particularly difficult time in your life or you're just not feeling yourself based on past or present circumstances, they are confident in their abilities to help guide you through the waves of life.

    Practice at a Glance

    9475 Briar Village Point

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    Individual one-on-one therapy

    Practice at a Glance

    9475 Briar Village Point

    Suite 325

    Colorado Springs, CO 80920

    (719) 454-8601

    4570 Hilton Parkway

    Suite 202

    Colorado Springs, CO 80907

    Available both in-person and online

    I specialize in Trauma and PTSD, Depression, and Relationship Issues

    $120 Per Session, I accept insurance

    Individual one-on-one therapy

  • Individual Sessions $120
  • Couple Sessions $120
  • Sliding scale: apply if you may be eligible
  • Pay by American Express, Cash, Check, Discover, Mastercard, Visa
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    Brain Waves

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    If you see your insurance listed, please ask me to verify coverage when you arrange your first visit.

    Brain Waves

    Licensed Professional Counselor, LPC

  • Verified by Psychology Today Licensed by State of Colorado / LPC.0013085

  • Certificate from CACREP Masters Degree in Counseling / 2012
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  • Call or Email us for a free 15 minute consultation now - (719) 454-8601

    Brain Waves

    Licensed Professional Counselor, LPC

    Call or Email us for a free 15 minute consultation now - (719) 454-8601

    Brain Waves

    Licensed Professional Counselor, LPC

    Specialties and Expertise Top Specialties
  • Trauma and PTSD
  • Depression
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  • Expertise
  • ADHD
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  • Men's Issues
  • Call or Email us for a free 15 minute consultation now - (719) 454-8601

    Brain Waves

    Licensed Professional Counselor, LPC

    Call or Email us for a free 15 minute consultation now - (719) 454-8601

    Brain Waves

    Licensed Professional Counselor, LPC

    Client Focus Age




    Elders (65+) 








    Elders (65+) 




    Treatment Approach Types of Therapy
  • Cognitive Behavioral (CBT)
  • EMDR
  • Family Systems
  • Person Centered Therapy
  • Solution Focused Brief (SFBT)
  • Call or Email us for a free 15 minute consultation now - (719) 454-8601

    Brain Waves

    Licensed Professional Counselor, LPC

    Call or Email us for a free 15 minute consultation now - (719) 454-8601

    Brain Waves

    Licensed Professional Counselor, LPC

    Additional Location

    4570 Hilton Parkway

    Suite 202

    Colorado Springs, CO 80907

    (719) 454-8601

    Brain Waves

    Licensed Professional Counselor, LPC

    Brain Waves

    Licensed Professional Counselor, LPC

    Last Modified: 17 Aug 2023


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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