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 DAT?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der DAT: Dental Admission Test Prüfung.

2025 Updated Actual DAT questions as experienced in Test Center

Aktuelle DAT Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz

Dental DAT : Dental Admission Test Practice Tests

Practice Tests Organized by Lee



Latest 2025 Updated Dental Dental Admission Test Syllabus
DAT question bank with Premium PDF and Test Engine

Practice Tests and Free VCE Software - Questions Updated on Daily Basis
Big Discount / Cheapest price & 100% Pass Guarantee




DAT question bank : Download 100% Free DAT practice tests (PDF and VCE)

Exam Number : DAT
Exam Name : Dental Admission Test
Vendor Name : Dental
Update : Click Here to Check Latest Update
Question Bank : Check Questions

Click and download DAT test Study Guide and Exam Questions to pass actual test.
Simply memorize their DAT TestPrep and feel confident about the test. You will pass your DAT test with High Marks or your money back. They have collected a database of DAT TestPrep from real exams to help you memorize and pass the Dental Admission Test test on the first attempt. Just set up their test Simulator and prepare. You will pass the DAT exam.

It's important to be cautious when choosing an Pass Guides provider online as many of them resell outdated dumps. To avoid wasting your time and money, it's crucial to find a reliable and reputable provider such as killexams.com. Rather than spending time researching on your own, simply visit killexams.com and download the 100% free DAT Practice Questions to evaluate the sample questions. If you are satisfied with the quality, register for a 3-month account to access the latest and authentic DAT Exam Questions that includes real test questions and answers. You can also get the DAT VCE test simulator for practice.







DAT test Format | DAT Course Contents | DAT Course Outline | DAT test Syllabus | DAT test Objectives


Test Detail:
The Dental Admission Test (DAT) is a standardized test administered by the American Dental Association (ADA). It is designed to assess the academic readiness and scientific knowledge of prospective dental school applicants. Below is a detailed description of the test, including the number of questions and time allocation, course outline, test objectives, and test syllabus.

Number of Questions and Time:
The DAT consists of four sections, and the number of questions and time allocation for each section are as follows:

1. Survey of Natural Sciences:
- Biology: 100 questions (90 minutes)
- General Chemistry: 100 questions (90 minutes)
- Organic Chemistry: 100 questions (90 minutes)

2. Perceptual Ability Test (PAT):
- 90 questions (60 minutes)

3. reading Comprehension Test (RC):
- 50 questions (60 minutes)

4. Quantitative Reasoning (QR):
- 40 questions (45 minutes)

The total testing time for the DAT is approximately 4.5 hours, including optional breaks.

Course Outline:
The DAT covers various subject areas that are essential for success in dental education. The test content typically includes the following key areas:

1. Survey of Natural Sciences:
- Biology: Cellular and molecular biology, anatomy and physiology, genetics, microbiology, and ecology.
- General Chemistry: Atomic structure, chemical bonding, stoichiometry, thermodynamics, and chemical equilibrium.
- Organic Chemistry: Structure and properties of organic compounds, reaction mechanisms, stereochemistry, and functional groups.

2. Perceptual Ability Test (PAT):
- Keyhole: Visualizing 3D objects from different perspectives.
- Top-Front-End: Analyzing 2D representations of 3D objects.
- Angle Ranking: Evaluating angles and their relationships.
- Hole Punching: Determining the resulting pattern after hole punches in a paper.
- Cube Counting: Counting visible cubes in a 3D structure.
- Pattern Folding: Visualizing 3D objects after folding patterns.

3. reading Comprehension Test (RC):
- reading and understanding passages related to scientific topics.
- Analyzing main ideas, supporting details, and author's tone.
- Making inferences and drawing conclusions from the text.

4. Quantitative Reasoning (QR):
- Arithmetic: Basic mathematical operations, percentages, ratios, and proportions.
- Algebra: Equations, inequalities, exponents, logarithms, and quadratic equations.
- Geometry: Geometric shapes, angles, lines, circles, and triangles.
- Data Analysis: Interpretation of graphs, charts, and tables.

Exam Objectives:
The DAT aims to assess the academic readiness and scientific knowledge necessary for success in dental school. The key objectives of the test include:

1. Evaluating Scientific Knowledge: Assessing the candidate's understanding of biological and physical sciences relevant to dentistry, including biology, general chemistry, and organic chemistry.

2. Testing Perceptual and Spatial Abilities: Evaluating the candidate's ability to interpret visual information and manipulate 3D objects, which are essential skills in dentistry.

3. Assessing reading Comprehension Skills: Testing the candidate's ability to read and comprehend scientific passages, extract relevant information, and draw accurate conclusions.

4. Evaluating Quantitative Reasoning Skills: Assessing the candidate's mathematical proficiency, including arithmetic, algebra, geometry, and data analysis, which are necessary for problem-solving in dentistry.

Exam Syllabus:
The DAT syllabus covers a broad range of subjects in biology, general chemistry, organic chemistry, perceptual ability, reading comprehension, and quantitative reasoning. It is designed to reflect the knowledge and skills required for dental school. The specific content and emphasis may

vary slightly across different versions of the exam. It is advisable to consult official DAT study guides and resources provided by the ADA for accurate and up-to-date information on the test syllabus.

Candidates should also familiarize themselves with the specific requirements and scoring criteria set by dental schools they are applying to. It is recommended to allocate sufficient time for thorough preparation, including reviewing relevant scientific concepts, practicing problem-solving techniques, and developing reading comprehension and perceptual ability skills.

- Cell and Molecular Biology:
- cell metabolism
- photosynthesis
- enzymology
- cellular processes
- membrane transport
- signal transduction
- thermodynamics
- mitosis/meiosis
- cell structure and function
- experimental cell biology
- biomolecules
- integrated relationships

- Diversity of Life:
- viruses
- Archaebacteria
- Eubacteria
- Fungi
- Protista
- Plantae
- Animalia
- integrated relationships

- Structure and Function of Systems:
- integumentary
- skeletal
- muscular
- circulatory
- lymphatic/immune
- digestive
- respiratory
- urinary
- nervous/sensory
- endocrine
- reproductive
- integrated relationships

- Genetics:
- molecular genetics
- human genetics
- classical genetics
- chromosomal genetics
- genetic technology
- developmental mechanisms
- genomics
- gene expression
- epigenetics
- integrated relationships.

- Evolution and Ecology:
- natural selection
- population genetics/speciation
- animal behavior
- ecology
- population
- community
- ecosystem ecology
- integrated relationships

- Stoichiometry and General Concepts:
- percent composition
- empirical formulae
- balancing equations
- moles and molecular formulas
- molar mass
- density
- calculations from balanced equations

- Gases:
- kinetic molecular theory of gases
- Daltons
- Boyles
- Charless
- ideal gas law

- Liquids and Solids:
- intermolecular forces
- phase changes
- vapor pressure
- structures
- polarity
- properties

- Solutions:
- polarity
- properties
- colligative
- noncolligative
- forces
- concentration calculations

- Acids and Bases:
- pH
- strength
- Brønsted-Lowry reactions
- calculations

- Chemical Equilibria:
- molecular
- acid/base
- precipitation
- calculations
- Le Chateliers principle

- Thermodynamics and Thermochemistry:
- laws of thermodynamics
- Hesss law
- spontaneity
- enthalpies and entropies
- heat transfer

- Chemical Kinetics:
- rate laws
- activation energy
- half-life

- Oxidation-Reduction Reactions:
- balancing equations
- determination of oxidation numbers
- electrochemical calculations
- electrochemical concepts
- terminology

- Atomic and Molecular Structure:
- electron configuration
- orbital types
- Lewis-Dot diagrams
- atomic theory
- quantum theory
- molecular geometry
- bond types
- sub-atomic particles

- Periodic Properties:
- representative elements
- transition elements
- periodic trends
- descriptive chemistry

- Nuclear Reactions:
- balancing equations
- binding energy
- decay processes
- particles
- terminology

- Laboratory:
- basic techniques
- equipment
- error analysis
- safety
- data analysis

- Energetics and Structure:
- elimination
- addition
- free radical
- substitution mechanisms
- other mechanisms and reactions

- Chemical and Physical Properties of Molecules:
- Spectroscopy
- 1H NMR
- 13C NMR
- infrared
- multi-spectra
- structure
- polarity
- intermolecular forces
- solubility
- melting/ boiling point
- laboratory theory and techniques
- TLC
- separations

- Stereochemistry (structure evaluation):
- Chirality
- isomer relationships
- conformations

- Nomenclature:
- IUPAC rules
- functional groups in molecules
- Individual Reactions of the Major Functional Groups and Combinations of Reactions to Synthesize Compounds:
- Alkene/alkyne
- aromatic
- substitution/elimination
- aldehyde/ketone
- carboxylic acids and derivatives

- Acid Base Chemistry:
- Ranking acidity/basicity
- structure analysis
- pH/pKa data analysis
- prediction of products and equilibria

- Aromatics and Bonding:
- Concept of aromaticity
- resonance
- atomic/molecular orbitals
- hybridization
- bond angles/lengths

- Mathematical Problems:
- algebra
- equations and expressions
- inequalities
- exponential notation
- absolute value
- ratios and proportions
- graphical analysis
- Data Analysis
- Interpretation
- Sufficiency
- Quantitative Comparison
- Probability and Statistics



Killexams Review | Reputation | Testimonials | Feedback


I got most of the DAT questions in the actual test that I read.
At the suggestion of a friend, I subscribed to killexams.com to obtain additional resources for my DAT exams. As soon as I logged in, I felt relieved and confident that their material would help me pass the DAT test with ease, and it did just that.


I just attempted it once, and I am satisfied.
The study materials provided by killexams.com cover all aspects of the DAT exam, making it a must-have for anyone new to it. Thanks to killexams.com, I was able to increase my expertise in DAT and have recommended it to my friends and colleagues. Even on the day before my DAT exam, when I usually went for a run to feel energized, I turned to killexams.com for educational data to help me prepare.


What is the price of DAT practice tests and study guides?
Although I missed a couple of questions, I was still able to pass the DAT test and answer 43 out of 50 questions. I found that learning from killexams.com mock test was enough to help me pass the exam. The pack was 100% faithful, and many of the questions were identical to those on the actual exam.


Are there authentic resources for DAT study guides?
The DAT certificate gave me many chances for security expert improvement in my career. I wanted to develop knowledge in records safety and become certified as a DAT. I decided to take help from killexams.com and began my DAT test education through DAT test cram. DAT test cram made DAT certificate studies easy for me and helped me to reach my desires effortlessly. Now I can say without hesitation, without this website, I would have never passed my DAT test on the first attempt.


What are the core objectives of the DAT exam?
In conclusion, the killexams.com mock test dump, as well as the DAT test simulator, were instrumental in my success. The material helped me to identify and address my weaknesses, enabling me to spend enough time preparing for the exam. I wish the killexams.com team all the best in their future endeavors.


Dental Dental test syllabus

DAT Exam

User: Sochi*****

I got forty-four correct answers out of the set of 50 within the allotted 75 minutes, thanks to Killexams.com practice tests for the DAT exam. The assistance was helpful, with concise answers and relevant examples. It was a pleasant experience, and I am grateful to Killexams.com for their support.
User: Anna*****

I am thrilled to share that I have passed the dat exam, and Killexams dat Questions and test Simulator played a significant role in helping me achieve my goal. The framework questions were the most challenging part of the exam, but the hours I spent honing my skills using the Killexams test simulator paid off.
User: Tashia*****

Thanks to the Killexams.com team, I was able to attempt their dat test questions and got full marks. It was the first time that I used their guidance material, and I appreciate their team effort.
User: Fatima*****

Preparing for the DENTAL ADMISSION TEST test can be a time-consuming and challenging task, especially when it comes to time management. However, Killexams.com certification offers various time schedules and educational materials to help students prepare and complete their syllabus for the DENTAL ADMISSION TEST practice exam. With Killexams.com, it is possible to get an excellent score in the DENTAL ADMISSION TEST practice test and feel confident in your knowledge.
User: Maryana*****

I had an excellent experience preparing for the DAT test with Killexams.com comprehensive study materials. The mock test provided were of high quality, and the test was relatively easy to complete as a result. I was able to pass the test with a score of 95%, and I am confident that anyone who completes Killexams.com tests will have a similar level of success.

DAT Exam

Question: Are these DAT test prep exact replica of actual test questions?
Answer: Yes, These DAT test questions are taken from actual test sources, that's why these DAT test questions are sufficient to read and pass the exam. Although you can use other sources also for improvement of knowledge like textbooks and other aid material these DAT questions are sufficient to pass the exam.
Question: Where am I able to find out DAT actual test questions?
Answer: Yes. You will be able to download up-to-date actual mock test to the DAT exam. If there will be any update in the exam, it will be automatically copied in your download section and you will receive an intimation email. You can memorize and practice these mock test with the VCE test simulator. It will train you enough to get good marks in the exam.
Question: Can I be getting the laACTUAL EXAM QUESTIONS with actual questions & Answers of DAT exam?
Answer: Yes, once registered at killexams.com you will be able to download up-to-date DAT real test mock test that will help you pass the test with good marks. When you download and practice the test questions, you will be confident and feel improvement in your knowledge.
Question: Does Killexams provide money back guarantee?
Answer: Yes, Killexams.com guarantees its practice test. You will surely pass your test with these practice test, otherwise, you will get your money back.
Question: Can I ask killexams to send test files by email?
Answer: Yes, Of course. You can ask killexams.com support to send your test files by email. Usually, you do not need to ask support because you can log in to your MyAccount anytime with your username and password and click on the icon to download the latest test files. But still, if you face an issue in downloading files, you can ask support to send the files by email. Their support team will try to send files as soon as possible.
Dental+Dental+exam+syllabus
https://www.pass4surez.com/art/read.php?keyword=Dental+Dental+exam+syllabus&lang=us&links=remove



Obviously it is hard task to pick solid certification mock test concerning review, reputation and validity since individuals get scam because of picking bad service. Killexams.com ensure to serve its customers best to its value concerning ACTUAL EXAM QUESTIONS update and validity. The vast majority of customers scam by resellers come to us for the ACTUAL EXAM QUESTIONS and pass their exams cheerfully and effectively. They never trade off on their review, reputation and quality because killexams review, killexams reputation and killexams customer certainty is vital to us. Specially they deal with killexams.com review, killexams.com reputation, killexams.com scam report grievance, killexams.com trust, killexams.com validity, killexams.com report. In the event that you see any false report posted by their competitors with the name killexams scam report, killexams.com failing report, killexams.com scam or something like this, simply remember there are several terrible individuals harming reputation of good administrations because of their advantages. There are a great many successful clients that pass their exams utilizing killexams.com ACTUAL EXAM QUESTIONS, killexams PDF questions, killexams questions bank, killexams VCE test simulator. Visit their specimen questions and test ACTUAL EXAM QUESTIONS, their test simulator and you will realize that killexams.com is the best brain dumps site.

Which is the best practice tests website?
Sure, Killexams is completely legit and even fully reliable. There are several capabilities that makes killexams.com unique and straight. It provides knowledgeable and completely valid test questions made up of real exams questions and answers. Price is very low as compared to a lot of the services online. The mock test are modified on normal basis with most exact questions. Killexams account structure and merchandise delivery is really fast. File downloading is actually unlimited and fast. Assistance is avaiable via Livechat and Contact. These are the features that makes killexams.com a strong website that deliver test prep with real exams questions.



Is killexams.com test material dependable?
There are several mock test provider in the market claiming that they provide actual test Questions, Braindumps, Practice Tests, Study Guides, cheat sheet and many other names, but most of them are re-sellers that do not update their contents frequently. Killexams.com is best website of Year 2025 that understands the issue candidates face when they spend their time studying obsolete contents taken from free pdf download sites or reseller sites. Thats why killexams.com update test mock test with the same frequency as they are updated in Real Test. test questions provided by killexams.com are Reliable, Up-to-date and validated by Certified Professionals. They maintain question bank of valid Questions that is kept up-to-date by checking update on daily basis.

If you want to Pass your test Fast with improvement in your knowledge about latest course contents and subjects of new syllabus, They recommend to download PDF test Questions from killexams.com and get ready for actual exam. When you feel that you should register for Premium Version, Just choose visit killexams.com and register, you will receive your Username/Password in your Email within 5 to 10 minutes. All the future updates and changes in mock test will be provided in your download Account. You can download Premium practice test files as many times as you want, There is no limit.

Killexams.com has provided VCE practice test Software to Practice your test by Taking Test Frequently. It asks the Real test Questions and Marks Your Progress. You can take test as many times as you want. There is no limit. It will make your test prep very fast and effective. When you start getting 100% Marks with complete Pool of Questions, you will be ready to take actual Test. Go register for Test in Exam Center and Enjoy your Success.




NEA-BC prep questions | CIMAPRA17-BA3-1-ENG test prep | LE0-641 test cram | FCNSP Latest Questions | PMGT-BC pdf download | SAP-C01 PDF download | FN0-125 free pdf | H12-721 free test practice | TM12 test test | NPD-BC test questions | PAL-EBM free practice test | ICDL-IT mock questions | S90.08A online test | DAS-C01 pass test | 33810X online test | C1000-058 sample test | 090-600 practice questions | HPE3-U01 test prep questions | H12-111_V2.5-ENU PDF Questions | NCCT-TSC study questions |


DAT - Dental Admission Test Test Prep
DAT - Dental Admission Test learning
DAT - Dental Admission Test tricks
DAT - Dental Admission Test answers
DAT - Dental Admission Test exam
DAT - Dental Admission Test PDF download
DAT - Dental Admission Test syllabus
DAT - Dental Admission Test education
DAT - Dental Admission Test test help
DAT - Dental Admission Test exam
DAT - Dental Admission Test actual Questions
DAT - Dental Admission Test learning
DAT - Dental Admission Test cheat sheet
DAT - Dental Admission Test Study Guide
DAT - Dental Admission Test test questions
DAT - Dental Admission Test cheat sheet
DAT - Dental Admission Test Questions and Answers
DAT - Dental Admission Test learning
DAT - Dental Admission Test Latest Questions
DAT - Dental Admission Test guide
DAT - Dental Admission Test test prep
DAT - Dental Admission Test PDF download
DAT - Dental Admission Test test syllabus
DAT - Dental Admission Test Questions and Answers
DAT - Dental Admission Test test prep
DAT - Dental Admission Test testing
DAT - Dental Admission Test Practice Questions
DAT - Dental Admission Test PDF Download
DAT - Dental Admission Test Latest Topics
DAT - Dental Admission Test information source
DAT - Dental Admission Test exam
DAT - Dental Admission Test teaching
DAT - Dental Admission Test test questions
DAT - Dental Admission Test answers
DAT - Dental Admission Test outline
DAT - Dental Admission Test test
DAT - Dental Admission Test certification
DAT - Dental Admission Test PDF download
DAT - Dental Admission Test cheat sheet
DAT - Dental Admission Test book
DAT - Dental Admission Test PDF Questions
DAT - Dental Admission Test PDF Questions
DAT - Dental Admission Test tricks
DAT - Dental Admission Test information source

Other Dental Practice Tests


CDCA-ADEX test practice | ADA-DAT practice exam | DAT online exam | DANB PDF Download | INBDE test tips | AACD test example |


Best practice tests You Ever Experienced


ANVE Study Guide | ABV test tips | 250-556 practice questions | DHORT mock exam | PMI-200 test questions | 5V0-31.22 free pdf | JN0-451 test answers | CLSSGB questions and answers | AX0-100 test prep questions | ABFM certification sample | C-ONQS practice test | 2V0-31.21 free practice test | CAU201 study guide | NSE5_FMG-7.0 sample test | TDA-C01 prep questions | Salesforce-Loyalty-Management test example | MSFP Latest Topics | CFPN online exam | Servicenow-CAD free pdf | ISA-IEC-62443 Real test Questions |





References :


https://killexams-posting.dropmark.com/817438/23543693
http://killexams-braindumps.blogspot.com/2020/06/download-and-save-dat-practice-test-and.html
https://www.instapaper.com/read/1321184985
https://sites.google.com/view/killexams-dat-exam-dumps
http://feeds.feedburner.com/feedburner/BcwmY
https://youtu.be/oBdAa8SMy-c
https://files.fm/f/xk5hczdma



Similar Websites :
Pass4sure Certification test Practice Tests
Pass4Sure Certification Question Bank






Direct Download

DAT Reviews by Customers

Customer Reviews help to evaluate the exam performance in real test. Here all the reviews, reputation, success stories and ripoff reports provided.

DAT Reviews

100% Valid and Up to Date DAT Exam Questions

We hereby announce with the collaboration of world's leader in Certification Exam Dumps and Real Exam Questions with Practice Tests that, we offer Real Exam Questions of thousands of Certification Exams Free PDF with up to date VCE exam simulator Software.

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