Was ist das eigentlich? Cyberrisiken verständlich erklärt
Es wird viel über Cyberrisiken gesprochen. Oftmals fehlt aber das grundsätzliche Verständnis, was Cyberrisiken überhaupt sind. Ohne diese zu verstehen, lässt sich aber auch kein Versicherungsschutz gestalten.
Beinahe alle Aktivitäten des täglichen Lebens können heute über das Internet abgewickelt werden. Online-Shopping und Online-Banking sind im Alltag angekommen. Diese Entwicklung trifft längst nicht nur auf Privatleute, sondern auch auf Firmen zu. Das Schlagwort Industrie 4.0 verheißt bereits eine zunehmende Vernetzung diverser geschäftlicher Vorgänge über das Internet.
Anbieter von Cyberversicherungen für kleinere und mittelständische Unternehmen (KMU) haben Versicherungen die Erfahrung gemacht, dass trotz dieser eindeutigen Entwicklung Cyberrisiken immer noch unterschätzt werden, da sie als etwas Abstraktes wahrgenommen werden. Für KMU kann dies ein gefährlicher Trugschluss sein, da gerade hier Cyberattacken existenzbedrohende Ausmaße annehmen können. So wird noch häufig gefragt, was Cyberrisiken eigentlich sind. Diese Frage ist mehr als verständlich, denn ohne (Cyber-)Risiken bestünde auch kein Bedarf für eine (Cyber-)Versicherung.
Wo erhalte ich vollständige Informationen über CSET?
Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der CSET: California Subject Examinations for Teachers Prüfung.
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Exam Number : CSET
Exam Name : California Subject Exams for Teachers
Vendor Name : Teacher-Certification
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CSET test Format | CSET Course Contents | CSET Course Outline | CSET test Syllabus | CSET test Objectives
Test Detail:
The CSET (California Subject Exams for Teachers) is a series of exams designed to assess the subject-specific knowledge and teaching skills of prospective teachers in California. The CSET exams cover a wide range of subjects and grade levels. Here is a general overview of the CSET test structure, including the number of questions and time allocation, course outline, test objectives, and test syllabus.
Number of Questions and Time:
The number of questions and time allocation for the CSET exams vary depending on the specific subject and test level. Each test typically consists of multiple subtests, and the number of questions and time limit for each subtest can differ. On average, each subtest may have 40-60 multiple-choice questions or a combination of multiple-choice and constructed-response questions. The total test duration can range from 2 to 4 hours, depending on the exam.
Course Outline:
The CSET exams cover a wide range of subjects and grade levels, including multiple subjects exams for elementary teachers and single subject exams for secondary teachers. The course outline for each CSET test corresponds to the specific subject and grade level being assessed. It typically includes the following areas:
1. Subject Content Knowledge:
- Comprehensive coverage of the subject-specific content, concepts, and theories relevant to the exam
- Depth and breadth of knowledge in the subject area
- Understanding of the subject's key principles, theories, historical context, and applications
2. Pedagogical Content Knowledge:
- Knowledge of effective teaching strategies, instructional methods, and test techniques specific to the subject
- Understanding of how to design and deliver instruction that promotes student learning and engagement
- Knowledge of curriculum development and alignment with state standards
3. Subject-Specific Skills and Competencies:
- Application of subject-specific skills, including problem-solving, critical thinking, analysis, and synthesis
- Ability to apply subject knowledge to real-world scenarios and demonstrate proficiency in relevant skills
- Knowledge of subject-specific terminology, conventions, and best practices
Exam Objectives:
The objectives of the CSET exams are to assess candidates' subject-specific knowledge, pedagogical content knowledge, and their ability to apply that knowledge effectively in a teaching context. The exams aim to determine if candidates possess the necessary content knowledge and teaching skills required to teach the subject at the specified grade level. The specific test objectives may vary based on the subject and grade level being assessed.
Exam Syllabus:
The test syllabus for each CSET test provides a detailed breakdown of the subject areas, subtopics, and competencies that candidates should study. The syllabus typically covers the breadth and depth of the subject, including specific content areas, skills, and competencies that are relevant to teaching. The syllabus serves as a guide for candidates to focus their study efforts and ensures that the test covers the essential knowledge and skills needed to be an effective teacher in the subject area.
Candidates should refer to the official CSET test resources, including the test information guides and test preparation materials, for the most accurate and up-to-date information on the specific test details, course outline, test objectives, and test syllabus for their chosen CSET exam.
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Bihar Teacher Syllabus 2023: Syllabus PDF Download, test Pattern, and MoreBihar Teacher Syllabus 2023: BPSC released the notification of recruitment of 170785 Primary, PGT and TGT posts on the official website @bpsc.bih.nic.in. download BPSC Bihar Teacher Syllabus Pdf and test Pattern for Primary, Secondary, and Senior-Secondary Bihar Teacher Syllabus 2023: The Bihar Public Service Commission has released the test pattern of the Bihar Teacher syllabus for primary, secondary, and senior-secondary posts. As the Bihar Teacher test is approaching, candidates must commence their preparation immediately. With this, they should check the Bihar Teacher syllabus and test pattern to get insights into the topics, test format, question paper structure, etc. and maximise their qualifying chances. Going by the past trend and analysis, it is found that the overall questions asked in the Bihar teacher test were moderately difficult. Hence, one can predict questions to be moderately difficult in the upcoming exam. In this article, they have shared the Bihar Teacher syllabus PDF for all the posts along with the test pattern, syllabus, and best books for the preparation. ![]() The Education Department of Bihar is going to conduct the Bihar Teacher 2023 exam. Check the detailed overview of the Bihar Teacher Syllabus 2023 in the table given below: Bihar Teacher Syllabus 2023 Overview Conducting Body BPSC Exam Name Bihar Teacher 2023 exam Category Bihar Teacher Syllabus and test Pattern Posts Primary, Secondary, and Senior Secondary Teachers BPSC Bihar Teacher Syllabus 2023 Release Status Released Job Location Bihar Bihar Teacher Syllabus 2033 PDFCandidates must download the Bihar Teacher Syllabus PDF for primary, secondary, and senior secondary posts to cover all the aspects of the exam. Check the section-wise syllabus for Bihar teacher recruitment 2023 shared below: Bihar Primary Teacher SyllabusThe Bihar primary teacher syllabus is divided into two papers, i.e. Language Paper and General Studies. A total of 220 questions are asked for 220 marks in the exam. Check the subject-wise Bihar teacher syllabus for the primary level in the table shared below: Bihar Teacher Syllabus for Primary Level Paper Subject Bihar Primary Teacher Syllabus Paper 1 Language Part I English language, which is mandatory for all. Vocabulary Grammar Noun Pronoun Verb Adverb Reading Comprehension Idioms and Phrases, etc Language Part II (Hindi language / Urdu language / Bengali language. Candidate can choose any one of the three languages) Hindi त्रुटि पहचान बुनियादी समझ और लेखन क्षमता, आदि। वर्तनी रिक्त स्थानों की पूर्ति करें (क्रिया, पूर्वसर्ग, लेख आदि का प्रयोग करके) शब्दावली वाक्य की बनावट व्याकरण विलोम शब्द वाक्य पूरा करना समानार्थी शब्द वाक्यांशों और शब्दों का मुहावरेदार उपयोग, आदि Paper 2 Topic-wise General Studies Syllabus Elementary Mathematics Percentage Profit and Loss Interest Time and Work Ratio and Proportion Problems Based on Ages Number System Partnership Speed Time and Distance Mixture and Alligations Average Algebra Mensuration Geometry Mental ability test Analogies Letter and Symbol series Classification Blood Relation Number Series Ranking and Order Verbal Classification Coding and Decoding Direction Sense Statement and Conclusion Sitting Arrangement Syllogism Statement and Assumption, etc. General Awareness India and its Neighboring Countries Current Affairs Sports History Culture Geography Economic Science Policy Indian Constitution General Science Work, Energy, and Power Force and Laws of Motions Electromagnetic Waves Heat Optics Gravitation Physical World & Measurement Atoms & Nuclei Currents Heat & Thermodynamics Electrostatics Structure of Atom Periodic Classification of Elements Acids, Bases and Salts Metal and Non-Metals States of Matter Plants Animals Skeleton System Nervous System Digestive System Vitamins and Minerals Social Science India and the Contemporary World Contemporary India Democratic Politics Understanding Economic Development, etc. Indian National Movements India on the Eve of British Conquest British Conquest of Bengal Mysore’s Resistance to the Company Expansion and Consolidation of British Power in India Causes of British Success in India Era of Militant Nationalism (1905-1909) Anglo-Maratha Struggle for Supremacy Extension of British Paramountcy through Administrative Policy Relations of British India with Neighboring Countries British India and the North-West Frontier Resistance against British Before 1857 The Revolt of 1857: Causes, Events, Spread, Leaders First World War and Nationalist Response Beginning of Modern Nationalism in India Foundation of Indian National Congress Conquest of Sindh Conquest of Punjab First Phase of Revolutionary Activities (1907-1917) Emergence of Gandhi Non-Cooperation Movement and Khilafat Andolan Geography and Environment Solar System Planets Earth Continent Volcano Indian Geography Mountains and Plateau Environment Human Geography - People, Human Activities, etc. Bihar Secondary Teacher Syllabus 2023The Bihar secondary teacher syllabus is divided into two papers, i.e. Language Paper and Subject & General Studies. A total of 220 questions are asked for 220 marks in the exam. Check the subject-wise Bihar teacher syllabus for the secondary level in the table shared below: Bihar Teacher Syllabus for Secondary Level Paper Subject Bihar Secondary Teacher Syllabus Paper 1 Language Part I English language, which is mandatory for all. Vocabulary Grammar Noun Pronoun Verb Adverb Reading Comprehension Idioms and Phrases, etc Language Part II (Hindi language / Urdu language / Bengali language. Candidate can choose any one of the three languages) Hindi त्रुटि पहचान बुनियादी समझ और लेखन क्षमता, आदि। वर्तनी रिक्त स्थानों की पूर्ति करें (क्रिया, पूर्वसर्ग, लेख आदि का प्रयोग करके) शब्दावली वाक्य की बनावट व्याकरण विलोम शब्द वाक्य पूरा करना समानार्थी शब्द वाक्यांशों और शब्दों का मुहावरेदार उपयोग, आदि Paper 2- Subject and General Topics Part I- Any one of the following subjects Hindi Bengali Urdu Maithili Sanskrit Bhojpuri Arabic Persian English Science Mathematics & Social Science (The questions of the subject paper will be asked from NCERT) Topic-wise General Studies Syllabus (Part II) Elementary Mathematics Percentage Profit and Loss Interest Time and Work Ratio and Proportion Problems Based on Ages Number System Partnership Speed Time and Distance Mixture and Alligations Average Algebra Mensuration Geometry General Awareness India and its Neighboring Countries Current Affairs Sports History Culture Geography Economic Science Policy Indian Constitution General Science Work, Energy, and Power Force and Laws of Motions Electromagnetic Waves Heat Optics Gravitation Physical World & Measurement Atoms & Nuclei Currents Heat & Thermodynamics Electrostatics Structure of Atom Periodic Classification of Elements Acids, Bases and Salts Metal and Non-Metals States of Matter Plants Animals Skeleton System Nervous System Digestive System Vitamins and Minerals Indian National Movements India on the Eve of British Conquest British Conquest of Bengal Mysore’s Resistance to the Company Expansion and Consolidation of British Power in India Causes of British Success in India Era of Militant Nationalism (1905-1909) Anglo-Maratha Struggle for Supremacy Extension of British Paramountcy through Administrative Policy Relations of British India with Neighboring Countries British India and the North-West Frontier Resistance against British Before 1857 The Revolt of 1857: Causes, Events, Spread, Leaders First World War and Nationalist Response Beginning of Modern Nationalism in India Foundation of Indian National Congress Conquest of Sindh Conquest of Punjab First Phase of Revolutionary Activities (1907-1917) Emergence of Gandhi Non-Cooperation Movement and Khilafat Andolan Geography Solar System Planets Earth Continent Volcano Indian Geography Mountains and Plateau Environment Human Geography - People, Human Activities, etc. Bihar Senior Secondary Teacher PGT Syllabus 2023Bihar Senior Secondary Teacher syllabus is divided into two papers, i.e. Language Paper and Subject & General Studies. A total of 220 questions are asked for 220 marks in the exam. Check the subject-wise Bihar teacher syllabus for the senior secondary level in the table shared below: Bihar Teacher Syllabus for Senior Secondary Level Paper Subject Bihar Senior Secondary Teacher Syllabus Paper 1 Language Part I English language, which is mandatory for all. Vocabulary Grammar Noun Pronoun Verb Adverb Reading Comprehension Idioms and Phrases, etc Language Part II (Hindi language / Urdu language / Bengali language. Candidate can choose any one of the three languages) Hindi त्रुटि पहचान बुनियादी समझ और लेखन क्षमता, आदि। वर्तनी रिक्त स्थानों की पूर्ति करें (क्रिया, पूर्वसर्ग, लेख आदि का प्रयोग करके) शब्दावली वाक्य की बनावट व्याकरण विलोम शब्द वाक्य पूरा करना समानार्थी शब्द वाक्यांशों और शब्दों का मुहावरेदार उपयोग, आदि Paper 2- Subject and General Topics Part I- Any one of the following subjects Hindi Bengali Urdu Maithili Sanskrit Bhojpuri Arabic Persian English Science Mathematics & Social Science (The questions of the subject paper will be asked from NCERT) Topic-wise General Studies Syllabus (Part II) Elementary Mathematics Percentage Profit and Loss Interest Time and Work Ratio and Proportion Problems Based on Ages Number System Partnership Speed Time and Distance Mixture and Alligations Average Algebra Mensuration Geometry General Awareness India and its Neighboring Countries Current Affairs Sports History Culture Geography Economic Science Policy Indian Constitution General Science Physics Work, Energy, and Power Force and Laws of Motions Electromagnetic Waves Heat Optics Gravitation Physical World & Measurement Atoms & Nuclei Currents Heat & Thermodynamics Electrostatics Chemistry Structure of Atom Periodic Classification of Elements Acids, Bases and Salts Metal and Non-Metals States of Matter Biology Plants Animals Skeleton System Nervous System Digestive System Vitamins and Minerals Indian National Movements India on the Eve of British Conquest British Conquest of Bengal Mysore’s Resistance to the Company Expansion and Consolidation of British Power in India Causes of British Success in India Era of Militant Nationalism (1905-1909) Anglo-Maratha Struggle for Supremacy Extension of British Paramountcy through Administrative Policy Relations of British India with Neighboring Countries British India and the North-West Frontier Resistance against British Before 1857 The Revolt of 1857: Causes, Events, Spread, Leaders First World War and Nationalist Response Beginning of Modern Nationalism in India Foundation of Indian National Congress Conquest of Sindh Conquest of Punjab First Phase of Revolutionary Activities (1907-1917) Emergence of Gandhi Non-Cooperation Movement and Khilafat Andolan Geography Solar System Planets Earth Continent Volcano Indian Geography Mountains and Plateau Environment Human Geography - People, Human Activities, etc. Weightage Bihar Teacher Syllabus 2023The Bihar Teacher test Pattern for primary, secondary, and senior secondary teachers have been released by the BPSC. Check the Bihar Shikshak test pattern to understand the test format, number of sections, questions, marking scheme, etc followed by the commission. Bihar Primary Teacher PRT test PatternThe Bihar primary teacher test for PRT is divided into two papers i.e. Language Paper and General Studies. Check the official Bihar Primary Teacher PRT test Pattern shared below. Paper Subject No. of Questions Duration Marks Paper 1 Language (Qualifying) (Minimum 30%) 100 (Part-I- 25 & Part-ll- 75) 120 mins 100 (Part-I- 25 & Part-ll- 75) Paper 2 General Studies 120 120 mins 120 Total 220 Questions 4 Hours 220 Marks Bihar Secondary Teacher TGT test PatternThe Bihar secondary teacher test for TGT is divided into two papers i.e. Language Paper and Subject & General Studies. Check the official Bihar Secondary Teacher TGT test Pattern shared below. Paper Name Subject Number of Questions Total Marks Duration Paper 1 Language (Qualifying) 100 (Part I- 25, Part II- 75) 100 (Part I- 25, Part II- 75) 2 hours Paper 2 Subject & General Studies 120 (Part I- 80, Part II- 40) 120 (Part I- 80, Part II- 40) 2 hours Bihar Senior Secondary Teacher PGT test PatternThe Bihar Senior Secondary Teacher test for PGT comprises two papers i.e. Language Paper and Subject & General Studies. Check the official Bihar Senior Secondary Teacher PGT test Pattern shared below. Paper Name Subject Number of Questions Total Marks Duration Paper 1 Language (Qualifying) 100 (Part I- 25, Part II- 75) 100 (Part I- 25, Part II- 75) 2 hours Paper 2 Subject & General Studies 120 (Part I- 80, Part II- 40) 120 (Part I- 80, Part II- 40) 2 hours How to Prepare Bihar Teacher 2023 Syllabus?The Bihar Teacher test is one of the most difficult recruitment exams in the nation. More than thousands of aspirants appear for this teaching test every year. However, not many applicants succeed in the test due to the large number of candidates competing against limited vacancies. Hence, it is advisable to follow the latest Bihar teacher syllabus and prioritize the courses accordingly. Have a look at Bihar teacher preparation tips to crack the written test shared below: Go through the Bihar teacher syllabus before beginning your test preparation and then create a list of important topics. Read newspapers and current affairs magazines regularly to stay updated with all the events happening around the world. Choose reliable sources and study material for the preparation to get a strong grip on the concepts of the entire syllabus. Attempt the previous year's question paper and mock tests to analyse your strong and weak points and concentrate on the areas that require improvements. Revise all the courses regularly to avoid forgetting any important concepts before the exam. Best Books for Bihar Teacher Syllabus 2023Candidates should get their hands on the best Bihar Teacher books for the preparation of the written exam. The right books will help them to study all the courses prescribed in the Bihar teacher syllabus. The expert-recommended books for the Bihar primary teacher written test are as follows: Bihar Primary Teacher test Guide by Arihant Experts Bihar Primary Teacher test (Hindi Edition) by Upkar Publication Bihar Primary Teacher Recruitment test by RPH Editorial Board Bihar Primary Teacher test Solved Papers by RPH Editorial Board Bihar Primary Teacher Practice Papers by V.V.K Subburaj Also Read Related Articles, New grants support early childhood educator trainingCalifornia State University Long Beach (CSULB) and California State University, Dominguez Hills (CSUDH) today announced $33 million in funding from the Ballmer Group, a philanthropic organization, to support programs designed to address the shortage of early childhood educators (ECE). These grants are intended to help close the emerging ECE teacher gap as well as provide living wage jobs for these educators. California school districts need an estimated 12,000-15,000 credentialed ECE teachers to drive California Gov. Newsom’s expansion of early childhood education such as TK, or transitional kindergarten, experts say. CSULB and CSUDH both have key programs that train early childhood educators, a profession long dominated by women of color in California. Whereas preschool teachers often exist on meager wages, TK teachers are paid the same as K-12 teachers. That’s why these programs should increase the economic mobility of ECE teachers who can use their new credentials to access jobs with better pay and benefits. Wednesday, August 23, 2023, 10:52 am Gov. Newsom sends letters to districts about ethnic studies requirement as part of anti-hate campaign Wednesday, August 23, 2023, 7:53 am Can teachers tap into natural curiosity to fuel learning? Tuesday, August 22, 2023, 12:59 pm Affordable housing for teachers breaks ground in Palo Alto Tuesday, August 22, 2023, 11:15 am Orange Unified to consider notifying parents if students are transgender Tuesday, August 22, 2023, 11:15 am LA Unified plan would limit charter school co-locationsThe Learning NetworkNo result found, try new keyword!By The Learning Network What can you show or tell us to help explain what it’s like to be an educator or student in secondary school right now? Submit in words, images, audio or video ... |
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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