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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iSQI CTFL_001 : ISTQB Certified Tester Foundation Level (CTFL_001) ACTUAL EXAM QUESTIONS

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Latest 2023 Updated iSQI ISTQB Certified Tester Foundation Level (CTFL_001) Syllabus
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Exam Number : CTFL_001
Exam Name : ISTQB Certified Tester Foundation Level (CTFL_001)
Vendor Name : iSQI
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CTFL_001 test Format | CTFL_001 Course Contents | CTFL_001 Course Outline | CTFL_001 test Syllabus | CTFL_001 test Objectives


ISTQB has recently launched CTFL 2018 V3.1 with minor changes. You can find all the info needed in the download area.

The Foundation Level Syllabus forms the basis for the International Software Testing Qualification at the Foundation Level.

The International Software Testing Qualifications Board® (ISTQB®) provides it to the national examination bodies for them to accredit the training providers and to derive examination questions in their local language.



Training providers will produce courseware and determine appropriate teaching methods for accreditation, and the syllabus will help candidates in their preparation for the examination.



The Certified Tester Foundation Level in Software Testing

The Foundation Level qualification is aimed at anyone involved in software testing. This includes people in roles such as testers, test analysts, test engineers, test consultants, test managers, user acceptance testers and software developers.



This Foundation Level qualification is also appropriate for anyone who wants a basic understanding of software testing, such as project managers, quality managers, software development managers, business analysts, IT directors and management consultants. Holders of the Foundation Certificate will be able to go on to a higher level software testing qualification.



Fundamentals of Testing



Learning Objectives for Fundamentals of Testing:

- What is Testing=>

- Identify typical objectives of testing

- Differentiate testing from debugging

- Why is Testing Necessary=>

- provide examples of why testing is necessary

- Describe the relationship between testing and quality assurance and provide examples of how testing contributes to higher quality

- Distinguish between error, defect, and failure

- Distinguish between the root cause of a defect and its effects

- Seven Testing Principles

- Explain the seven testing principles

- Test Process

- Explain the impact of context on the test process

- Describe the test activities and respective tasks within the test process

- Differentiate the work products that support the test process

- Explain the value of maintaining traceability between the test basis and test work products

- The Psychology of Testing

- Identify the psychological factors that influence the success of testing

- Explain the difference between the mindset required for test activities and the mindset required for development activities



Keywords

coverage, debugging, defect, error, failure, quality, quality assurance, root cause, test analysis, test basis,
test case, test completion, test condition, test control, test data, test design, test execution,
test implementation, test monitoring, test object, test objective, test oracle, test planning, test procedure,
test process, test suite, testing, testware, traceability, validation, verification



Testing Throughout the Software Development Lifecycle



Learning Objectives for Testing Throughout the Software Development Lifecycle

- Software Development Lifecycle Models

- Explain the relationships between software development activities and test activities in the software development lifecycle

- Identify reasons why software development lifecycle models must be adapted to the context of project and product characteristics

- Test Levels

- Compare the different test levels from the perspective of objectives, test basis, test objects, typical defects and failures, and approaches and responsibilities

- Test Types

- Compare functional, non-functional, and white-box testing

- Recognize that functional, non-functional, and white-box tests occur at any test level

- Compare the purposes of confirmation testing and regression testing

- Maintenance Testing

- Summarize triggers for maintenance testing

- Describe the role of impact analysis in maintenance testing



Keywords

acceptance testing, alpha testing, beta testing, change-related testing, commercial off-the-shelf (COTS),
component integration testing, component testing, confirmation testing, contractual acceptance testing,
functional testing, impact analysis, integration testing, maintenance testing, non-functional testing,
operational acceptance testing, regression testing, regulatory acceptance testing, sequential development
model, system integration testing, system testing, test basis, test case, test environment, test level, test
object, test objective, test type, user acceptance testing, white-box testing



Static Testing



Learning Objectives for Static Testing

- Static Testing Basics

- Recognize types of software work product that can be examined by the different static testing techniques

- Use examples to describe the value of static testing

- Explain the difference between static and dynamic techniques, considering objectives, types of defects to be identified, and the role of these techniques within the software lifecycle

- Review Process

- Summarize the activities of the work product review process

- Recognize the different roles and responsibilities in a formal review

- Explain the differences between different review types: informal review, walkthrough, technical review, and inspection

- Apply a review technique to a work product to find defects

- Explain the factors that contribute to a successful review



Keywords

ad hoc review, checklist-based review, dynamic testing, formal review, informal review, inspection,
perspective-based reading, review, role-based review, scenario-based review, static analysis, static
testing, technical review, walkthrough



Test Techniques



Learning Objectives for Test Techniques

- Categories of Test Techniques

- Explain the characteristics, commonalities, and differences between black-box test techniques, white-box test techniques, and experience-based test techniques

- Black-box Test Techniques

- Apply equivalence partitioning to derive test cases from given requirements

- Apply boundary value analysis to derive test cases from given requirements

- Apply decision table testing to derive test cases from given requirements

- Apply state transition testing to derive test cases from given requirements

- Explain how to derive test cases from a use case

- White-box Test Techniques

- Explain statement coverage

- Explain decision coverage

- Explain the value of statement and decision coverage

- Experience-based Test Techniques

- Explain error guessing

- Explain exploratory testing

- Explain checklist-based testing



Keywords

black-box test technique, boundary value analysis, checklist-based testing, coverage, decision coverage,
decision table testing, error guessing, equivalence partitioning, experience-based test technique,
exploratory testing, state transition testing, statement coverage, test technique, use case testing, whitebox test technique



Test Management



Learning Objectives for Test Management

- Test Organization

- Explain the benefits and drawbacks of independent testing

- Identify the tasks of a test manager and tester

- Test Planning and Estimation

- Summarize the purpose and content of a test plan

- Differentiate between various test strategies

- provide examples of potential entry and exit criteria

- Apply knowledge of prioritization, and technical and logical dependencies, to schedule test execution for a given set of test cases

- Identify factors that influence the effort related to testing

- Explain the difference between two estimation techniques: the metrics-based technique and the expert-based technique

- Test Monitoring and Control

- Recall metrics used for testing

- Summarize the purposes, contents, and audiences for test reports

- Configuration Management

- Summarize how configuration management supports testing

- Risks and Testing

- Define risk level by using likelihood and impact

- Distinguish between project and product risks

- Describe, by using examples, how product risk analysis may influence the thoroughness and scope of testing

- ement

- Write a defect report, covering a defect found during testing



Keywords

configuration management, defect management, defect report, entry criteria, exit criteria, product risk,
project risk, risk, risk level, risk-based testing, test approach, test control, test estimation, test manager,
test monitoring, test plan, test planning, test progress report, test strategy, test summary report, tester



Tool Support for Testing



Learning Objectives for Test Tools

- Test tool considerations

- Classify test tools according to their purpose and the test activities they support

- Identify benefits and risks of test automation

- Remember special considerations for test execution and test management tools

- Effective use of tools

- Identify the main principles for selecting a tool

- Recall the objectives for using pilot projects to introduce tools

- Identify the success factors for evaluation, implementation, deployment, and on-going support of test tools in an organization



Keywords

data-driven testing, keyword-driven testing, test automation, test execution tool, test management tool



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iSQI Tester Practice Test

 

False Negative Pregnancy Tests: What You Need To Know

As for what can cause a negative pregnancy test, there are a few potential explanations.

Testing Too Early

False negative pregnancy tests are “almost always” caused by timing, meaning the user is testing too soon, according to Dr. Price.

If someone tests too early in their cycle, the placenta may not have produced enough hCG for the test to detect it yet. This could also occur if someone doesn’t wait long enough after intercourse to take a pregnancy test. It’s recommended you test as soon as you’ve missed your period.

Diluted Urine

Another potential cause of a false pregnancy test is if the urine used for testing is too diluted. If the urine is not concentrated enough, then there may not be enough hCG in it for the test to detect.

Because of this, Dr. Price recommends not drinking any liquids for a couple of hours before taking a pregnancy test. Urine also tends to be less diluted first thing in the morning, as you likely haven’t consumed any liquids overnight.

Too Much or Fragmented hCG Hormone

False pregnancy test results can also occur if there is too much of the hCG hormone, or if the test captures a degraded form of the hormone, called hCG core fragment, which tends to increase as one’s pregnancy progresses.

In the first scenario, when there is too much hCG, the elevated levels of the hormone can essentially overwhelm the test, causing it to produce a false negative. This is referred to as the “hook effect.” The hook effect tends to happen further along in pregnancy, when levels of hCG increase.

The second scenario occurs when there is more of the fragmented hormone present, which, again, is generally when the pregnancy has progressed. In this case, the test may capture the fragmented hormone rather than the intact hormone. However, the test’s signal antibody does not respond to the fragmented hormone, and thus the test’s coloring agent is not activated, leading to a false negative.


At-home COVID test kits: Where to buy and how to use them in 2023

New York Post may be compensated and/or receive an affiliate commission if you buy through their links.

The COVID-19 pandemic is like a roller coaster. One minute they see the light at the end of the tunnel and the next thing they know, more cases are on the rise.

The good news? It’s not 2020 anymore. Instead of waiting on testing center lines for hours on end, people have turned primarily to at-home COVID tests that they can use in the comfort of their own homes.

According to the CDC, COVID-19 self-tests — also known as at-home tests or over-the-counter (OTC) tests — are one of many risk-reduction measures, along with vaccination, masking and physical distancing, that protects you and others from the spread of COVID-19, even though it’s no longer mandated in most regions.

While at-home covid tests were nearly impossible to find online or in stores at many points in time over the last few years, many brands have replenished their stock. Ahead, get all the info on how to use at-home COVID-19 tests, how accurate they are and where you can buy them online.

How to use at-home COVID-19 tests

Of course, read the complete manufacturer’s instructions for use before starting the test and make sure you talk to a healthcare provider if you have questions about the test or your results. Here are general steps to take a self-test, according to the CDC.

  • Wash your hands with soap and water for at least 20 seconds.
  • Open the box and follow the instructions included with the self-test to collect your own nasal or saliva specimen. (If you don’t collect the specimens as directed, your test results may be incorrect.)
  • Perform the steps in the order that they are listed. Some manufacturers may also provide quick reference guides or instructional videos.
  • Collect either a nasal specimen or saliva specimen, depending on the self-test being used.
  • Next, wait to see what result comes back. Generally, this takes 15 minutes.
  • Accuracy of at-home COVID tests

    Invalid test results are rare but can occur. Chief Infection Control Officer Roy Chemaly, M.D. at the University of Texas MD Cancer Center said that “the tests are only accurate 80% of the time, and sometimes less.”

    Sometimes invalid results or an error can show on the test device. Invalid results or an error can occur for many reasons — your specimen may not have been collected correctly, or the test may have malfunctioned.

    Due to the current infection rate of the coronavirus being so high, many professionals suggest retesting with a PCR test if you have symptoms and test negative using an at-home antigen test as it could be a false negative.

    A few things to note:
  • Select at-home covid tests are FSA and HSA-approved.
  • The tests listed in this article go in and out of stock often so make sure to check back regularly if some aren’t available at this given time.
  • BinaxNOW COVID‐19 Antigen Self Test (2 Count) Walgreens

    Get your test results in 15 minutes or less with a simple nasal swab in the comfort and convenience of your home. BinaxNOW COVID-19 Antigen Self Test is available under FDA Emergency Use Authorization.

    QuickVue At-Home COVID-19 Test Walgreens

    This simple at-home test is authorized for non-prescriptive home use with self-collected direct anterior nasal (NS) swab specimens from individuals aged 14 and older, and with adult-collected anterior NS samples from those 2 years or older.

    It’s most effective within six days of symptoms or 24 to 48 hours after suspected exposure.

    WellBefore

    The FlowFlex Covid-19 Antigen Home Test is selling for as low as $6, an accurate, easy to use and quick-result option to buy online.

    This FDA-authorized Antigen test requires only one test to get results in 15 minutes using a nasal swab.

    On/Go At-Home COVID-19 Rapid Antigen Self-Test

    If you work best with technology, On/Go is the COVID-19 self-test for you. This kit gives you 95% accurate results in just 10 minutes using the companion mobile app, which guides you through each step of the process — from demo collection to results.

    Image of COVID test in orange box. Amazon

    This product comes with two rapid antigen tests that are simple to use.

    Prepare the testing materials, collect and process the sample, then receive your results in just 15 minutes.

    InteliSwab™ COVID-19 Rapid Antigen Test Walmart

    This test requires less than one minute of hands-on time. InteliSwab has received FDA Emergency Use Authorization for self-testing. You do not need to ship samples to a lab or get a prescription from your healthcare provider. Get your result in 30 minutes.

    Image of covid test in blue box. Target

    The Ellume COVID-19 test requires you to download the Ellume COVID Test App to your smartphone. Next, answer a few questions and watch the informational video. After that, you’ll be all set to perform the easy-to-use test and receive results in 15 minutes.

    Celltrion DiaTrust COVID-19 Ag Home Test Amazon

    Celltrion DiaTrust COVID-19 Ag Home Test is an FDA EUA-authorized COVID-19 rapid antigen at-home testing kit. Self-test in the comfort of your own home, and get the relief you need in just 15 minutes.

    Each kit contains supplies for two tests: swabs, test devices, test tubes (extraction buffer), filter caps, and an Instructions for Use manual. Test tubes and filter caps for two tests are enclosed in one inner package.

    Pixel by LabCorp COVID-19 Test LabCorp

    If you want a test that’s even more reliable but you don’t want to leave the comfort of your home, an at-home PCR test is the way to go. The Pixel by LabCorp kit is a great option that gets you results within 1-2 business days (on average) after receiving your nasal swap demo via FedEx.

    BOSON Rapid SARS-CoV-2 Antigen Test (2 Test-Pack) Amazon

    The BOSON Rapid SARS-CoV-2 Antigen Test (2-Test Pack) is an easy-to-use at-home test where you’ll receive results in 15 minutes. Each kit contains two tests and is recommended for ages 14 and up. More, you’ll enjoy its convenience and ability to skip the lab.

    Check out the New York Post Shopping section for more content.


    Placement Test Practice

    Placement Test Practice Skip to Main Content Skip to Main Navigation Skip to Footer

    Being prepared is the best way to ease the stress of test taking. If you are having difficulty scheduling your Placement Test, please contact the UNG Testing Office.

  • Practice, practice, practice before your scheduled Placement Test. 
  • If you have a physical or learning disability, contact Disability Services promptly to discuss whether or not you are eligible for accommodations at UNG for your Placement Test.
  • The night before your Placement Test, get a good night’s sleep. This is not an ideal time to stay out late with friends. Take a rain check on that.
  • Make certain you eat something nutritious before your test. Your brain cannot work on low fuel. Also make certain you are hydrated. Good choices are fruit, yogurt, almonds, or peanut butter crackers and water.
  • Make certain you have directions to the test site and that you allow sufficient time to get lost at least once, search for a parking space, use the restroom, check in with the testing administrator, and take some calming breaths before the test begins.
  • The testing environment tends to be a little cool, so please bring a sweater with you, just in case. Scratch paper and pencils are provided by the testing administrator. You will not be permitted to use an outside calculator or your cell phone in the testing center; lockers are provided to secure your personal items.
  • If you are required to take more than one subject area test, the order in which they are administered is: Writing 1st (if required); reading 2nd (if required); and Math 3rd (if required). All of this is completed on a computer in one session.
  • Please read all test directions carefully. They often see students scoring low on the Placement Test simply because they rush through the directions and then don’t fully understand or follow them. The directions for each test are different, so take the time to read through each set of instructions.
  • The Placement Tests are not timed (with the exception of the WritePlacer). Please do not be concerned if other students are finishing before you. They may not be required to take the same number of tests as you. They also may have a different set of math problems or different reading passages than you. Nobody is your pace car and this isn’t a race to the finish line.
  • Upon receiving an Admissions decision on your Check Application Status site, please contact Dede deLaughter (by email or by phone at 706-310-6207)with any questions you may have about your test results and/or any retesting options.
  • If you do place into Learning Support, please understand that this is not punitive but, rather, in your best interest. UNG strives to support you in achieving your academic goals, and that includes starting you in the appropriate level of instruction that sets you up for academic success.
  • If you have a red yes in any Placement Test Required row on your Check Application Status page in Banner, read the information below relating to the area in which you have the red yes.

  • Don’t rush. You will have one hour to write your essay. Your essay will be evaluated on organization, focus, development and support, sentence structure, and mechanical conventions.
  • Use the provided scratch paper to do your brainstorming.
  • Using your brainstorming ideas, write your essay.
  • BEFORE YOU SUBMIT your essay, PROOFREAD!
  • Proofreading tips:
  • Make sure your essay actually answers the prompt.
  • If you used examples, make certain they are clear and concise.
  • Avoid using impressive-sounding vocabulary unless you are absolutely certain you are using those words correctly.
  • Re-read every paragraph carefully. You know what you meant to say. Will the reader know what you meant to say?
  • Re-read your entire essay from the bottom to the top, one sentence at a time. This is a good way to catch grammar errors, like sentence fragments, subject-verb agreement errors, punctuation errors, and the like.
  • Be sure to review the information in the preparation modules before and between practice questions to Boost your score!
  • Visit the free Longsdale Publishing Accuplacer practice site. Then click on the Register NEW Account button. Look on your Check Application Status page for the School Number and School Key. After you register, you will be issued a username and password. SAVE this information for future log-in access!
  • Select the Quantitative Reasoning, Algebra, and Statistics (QRAS) test.
  • Be sure to review the information in the preparation modules before and between practice questions to Boost your score!
  • Schedule Your Accuplacer Test

    Look on your Check Application Status page for the link or contact UNG Testing. If you need assistance or wish to opt out of Accuplacer testing, please email learningsupport@ung.edu.

    Test Taking Tips
  • Take your time. Answering the math problems as accurately as possible could save you time and money in the future if you are not required to take an extra math class.
  • Check your answers. Remember, in a multiple choice test, there are usually at least two wrong answers that are based on the most common miscalculations or process errors.
  • Calculators and scrap paper. Certain placement test problems will allow you to use the built-in calculator. If not, use the scratch paper that will be provided. (This scratch paper will be collected before you leave the test, so don’t make your to-do list on it.)
  • Visit the free Longsdale Publishing Accuplacer practice site. To set up your free account, first obtain the UNG School Number and School Key by emailing learningsupport@ung.edu - preferably from your UNG email account, providing your student ID (900) number. Then click on the Register New Account button. After you register, you will be issued a username and password. Save this information for future log-in access!
  • Select the appropriate Eligibility Exam: QRAS if you are attempting eligibility to take College Algebra, MATH 1111; Advanced Algebra and Functions if you are eligible to take MATH 1111 and are attempting eligibility to take Pre-calculus, MATH 1113, Brief Calculus, MATH 2040, or Calculus I, MATH 1450.
  • Be sure to review the information in the preparation modules before and between practice questions to Boost your score!
  • Schedule Your Accuplacer Test

    Scheduling information is located on the Math Eligibility Exams page.

    Test Taking Tips
  • Take your time. The test is not timed.
  • Check your answers. Remember, in a multiple choice test, there are usually at least two wrong answers that are based on the most common miscalculations or process errors.
  • Calculators and scrap paper: certain placement test problems will allow you to use the built-in calculator. If not, use the scratch paper that will be provided. (This scratch paper will be collected before you leave the test, so don’t make your to-do list on it.)
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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