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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Esri EADE105 : ArcGIS Desktop Entry 10.5 ACTUAL EXAM QUESTIONS

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Exam Number : EADE105
Exam Name : ArcGIS Desktop Entry 10.5
Vendor Name : Esri
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EADE105 test Format | EADE105 Course Contents | EADE105 Course Outline | EADE105 test Syllabus | EADE105 test Objectives

Exam Detail:
The EADE105 ArcGIS Desktop Entry 10.5 test is designed to assess the foundational knowledge and skills of candidates in using ArcGIS Desktop software for basic mapping and spatial analysis tasks. This test is part of the Esri Technical Certification program. Here are the test details for the EADE105 certification:

- Number of Questions: The exact number of questions may vary, but the test typically consists of multiple-choice questions, hands-on exercises, and scenario-based questions.

- Time Limit: The time allotted to complete the test is 2 hours.

Course Outline:
The course outline for the EADE105 ArcGIS Desktop Entry 10.5 certification covers fundamental Topics related to ArcGIS Desktop software and its usage for basic mapping and spatial analysis tasks. The Topics typically included in the course outline are as follows:

1. ArcGIS Desktop Fundamentals:
- Introduction to GIS (Geographic Information System) concepts and principles.
- Overview of ArcGIS Desktop software and its components.
- Exploring the ArcMap and ArcCatalog interfaces.

2. Working with Spatial Data:
- Understanding different data formats and sources used in ArcGIS Desktop.
- Importing, exporting, and managing spatial data layers.
- Basic georeferencing and map projections.

3. Basic Mapping and Visualization:
- Creating and styling maps using ArcMap.
- Adding and symbolizing data layers.
- Creating basic cartographic elements like legends, titles, and scale bars.

4. Basic Spatial Analysis:
- Performing simple spatial analysis tasks, such as buffering, overlay, and distance measurement.
- Identifying and querying spatial features.
- Understanding attribute data and attribute queries.

5. Data Presentation and Sharing:
- Exporting maps and data for presentation or sharing.
- Creating map layouts and printing options.
- Publishing maps as web services.

Exam Objectives:
The objectives of the EADE105 ArcGIS Desktop Entry 10.5 test are as follows:

- Assessing candidates' understanding of basic GIS concepts and principles.
- Evaluating candidates' proficiency in working with spatial data, including importing, exporting, and managing data layers.
- Testing candidates' ability to create and visualize basic maps using ArcMap.
- Assessing candidates' knowledge of basic spatial analysis techniques.
- Evaluating candidates' skills in data presentation and sharing.

Exam Syllabus:
The specific test syllabus for the EADE105 ArcGIS Desktop Entry 10.5 certification may cover the following topics:

1. ArcGIS Desktop Fundamentals:
- Introduction to GIS and ArcGIS Desktop software.
- Overview of ArcMap and ArcCatalog interfaces.

2. Working with Spatial Data:
- Data formats and sources used in ArcGIS.
- Importing and exporting spatial data.
- Georeferencing and basic map projections.

3. Basic Mapping and Visualization:
- Creating maps in ArcMap.
- Symbolization and labeling of data layers.
- Cartographic elements and map layout.

4. Basic Spatial Analysis:
- Simple spatial analysis tasks (buffering, overlay, distance measurement).
- Attribute queries and data selection.
- Basic spatial statistics.

5. Data Presentation and Sharing:
- Exporting maps and data.
- Map layouts and printing options.
- Publishing maps as web services.

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Esri ArcGIS PDF Dumps


Geographical Indications at the Crossroads of Trade, Development, and Culture

Crossref Citations

This Book has been cited by the following publications. This list is generated based on data provided by Crossref.

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Calboli, Irene and Marie-Vivien, Delphine 2018. The Cambridge Handbook of Public-Private Partnerships, Intellectual Property Governance, and Sustainable Development. p. 308.

Kohsaka, Ryo and Uchiyama, Yuta 2019. Partnerships for the Goals. p. 1.

КУШХОВА, Бэла Kushkhova, Bela Иванова, Залина Ivanova, Zalina Таусолтанов, Хадис and Tausoltanov, Khadis 2019. State and prospects of the export potential of agriculture in the North Caucasus. Agrarian Bulletin of the, Vol. 190, Issue. 11, p. 80.

Nathon, Natalie 2019. Cambridge Handbook of Intellectual Property in Central and Eastern Europe. p. 349.

Kohsaka, Ryo and Uchiyama, Yuta 2019. Partnerships for the Goals. p. 1.

Raimondi, Valentina Falco, Chiara Curzi, Daniele and Olper, Alessandro 2020. Trade effects of geographical indication policy: The EU case. Journal of Agricultural Economics, Vol. 71, Issue. 2, p. 330.

Ingram, Verina Hansen, Maria Ellemann and Bosselmann, Aske Skovmand 2020. To Label or Not? Governing the Costs and Benefits of Geographic Indication of an African Forest Honey Value Chain. Frontiers in Forests and Global Change, Vol. 3, Issue. ,

Gyatov, A. Bogatskaya, S. and Zhitteeva, M. 2020. The state and some dynamic and commodity-institutional trends in the export of food and agricultural raw materials to the KBR in 2005–2018. Agrarian Bulletin of the, Vol. 195, Issue. 4, p. 91.

Marie‐Vivien, Delphine 2020. Protection of Geographical Indications in ASEAN countries: Convergences and challenges to awakening sleeping Geographical Indications. The Journal of World Intellectual Property, Vol. 23, Issue. 3-4, p. 328.

Kohsaka, Ryo and Uchiyama, Yuta 2021. Partnerships for the Goals. p. 477.

Yong, Rachel Yuen May Chua, Bee-Lia Han, Heesup and Kim, Bona 2022. Taste your way across the globe: a systematic review of gastronomy tourism literature (2000-2021). Journal of Travel & Tourism Marketing, Vol. 39, Issue. 7-9, p. 623.

Castelló, Enric Lövgren, Daniel and Svensson, Göran 2022. The narratives of geographical indications as commons: a study on Catalan and Swedish cases. Food, Culture & Society, p. 1.

Sekine, Kae 2022. Challenges to conserve world agricultural heritages in a market economy: Experiences in Nishi-Awa, Japan. International Sociology, Vol. 37, Issue. 6, p. 648.

Schober, Karola Balling, Richard Chilla, Tobias and Lindermayer, Hannah 2023. European Integration Processes in the EU GI System—A Long-Term Review of EU Regulation for GIs. Sustainability, Vol. 15, Issue. 3, p. 2666.

Mazé, Armelle 2023. Geographical indications as global knowledge commons: Ostrom's law on common intellectual property and collective action. Journal of Institutional Economics, Vol. 19, Issue. 4, p. 494.

Nguyen, Sy Luong and Le, Van Anh 2023. Diffusion of Geographical Indication Law in Vietnam: “Journey To The West”. IIC - International Review of Intellectual Property and Competition Law, Vol. 54, Issue. 2, p. 176.


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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