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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Exam Number : ESPA-EST
Exam Name : ESPA Certified Electronic System Technician
Vendor Name : ESPA
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ESPA-EST exam Format | ESPA-EST Course Contents | ESPA-EST Course Outline | ESPA-EST exam Syllabus | ESPA-EST exam Objectives
Electrical Basics
- Construction Methods and Materials
- Identify differences between AC and DC
- Identify differences between low-voltage and line voltage
- Identify the four basic units of measurement used with electricity, and be able to explain how they relate in Ohms Law
Tools
- Read and identify planning tools, including construction drawings and symbols on
- Identify the various types of documentation tools and methods used on a job/project
- Identify hand tools and their uses, storage, and maintenance
- Identify power tools and their uses, storage, and maintenance
- Identify test equipment and their uses, storage, and maintenance
- Identify construction methods to promote safety, productivity, and quality on a job/project.
- Identify construction materials to promote safety, productivity, and quality on a job/project.
Wiring and Installation Practices
- Identify wire and cable materials
- Identify termination types, pin-out configuration, wire preparation and termination techniques, and connection points on cables and equipment
- Identify color code standards for telephony, speakers, data, and video
- Identify the use of fasteners, anchors, and back boxes used to mount cable and other
- Identify installation techniques and procedures
Standards, Codes, and Safety Practices
- Identify the concept of industry accepted standards and best practices.
- Identify applicable building codes.
- Identify applicable safety practices.
ESPA has created a curriculum that covers 5 key domains of knowledge that an EST must have in order to be prepared to enter the workforce:
• Electrical Basics
• Tools
• Construction Methods and Materials
• Wiring and Installation Practices
• Standards, Codes and Safety Practices
ESPA Certification is a widely recognized industry credential that signifies that an Electronic Systems Technician (EST) has been properly trained to be effective on the job from day one. The certification also shows that you are serious about a career in the electronics industry, and ready to continue to learn and advance.
ESPA Certified-EST is a high-stakes professional industry certification, built according to the highest standards and administered only in a timed, proctored, environment. Employers value the certification and know that those who receive it have the proper entry-level knowledge they require in future employees.
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ESPA Certified Study Guide
A Study Guide to Humanae VitaeWritten by the Priests and Pastoral Associates of Priests for Life
This study guide is based on the Vatican Translation of Humanae Vitae
Table of Contents:
Forward Introduction to the Study Guide Summary of the Introduction to the Encyclical and Section I: New Aspects of the Problem and Competency of the Magisterium A Summary of Section II. Doctrinal Principles Summary of Section III. Pastoral Directives Essay: Finding Their Way Back Home Essay: Life, Purity and Humanae Vitae Essay: The Transmission of Life -- On Whose Terms? The Contraception of Grief: A Personal Testimony Glossary of Terms
Foreword
A Study Guide to Humanae Vitae Fr. Frank Pavone, National Director, Priests for Life
Forty years is not a long time in Church history. Indeed, they are still living in the moment of Humanae Vitae (issued on July 25, 1968), and of the challenge it presents to the world. Humanae Vitae does not identify the key problem of their day in the realm of sex or birth or "the pill," but rather in the myth that they can be God. Pope Paul writes at the beginning of the document, "But the most remarkable development of all is to be seen in man's stupendous progress in the domination and rational organization of the forces of nature to the point that he is endeavoring to extend this control over every aspect of his own life -- over his body, over his mind and emotions, over his social life, and even over the laws that regulate the transmission of life” (n.2).
The Pope here is painting a wider vision of the problem. They think everything belongs to us, but the reality is that they belong to God. "Humanae Vitae" means "Of human life." Human life came from God, belongs to God, and goes back to God. "You are not your own," St. Paul declares. "You have been bought, and at a price" (1 Cor. 6:19-20). Sex and having children are aspects of a whole cluster of realities that make up their lives and activities. They suffer from the illusion that all of these activities belong to us. “This is my life, my body, my choice.
The problem they face is not that their society is obsessed with sex. Rather, it is afraid of it-- afraid of the total reality and power of what it represents, where it comes from, and where it leads. Sex properly understood requires that they acknowledge God who made it. More than that, sex can never be separated from its purpose: to insert us into this immense, powerful movement of life and love that started when God said "Let there be light" (Genesis 1:3) and culminates when the Spirit and the Bride say "Come, Lord Jesus!" (Revelation 22:17).
Sexual activity means so much that it is wrong to diminish its message or deny its full reality: it belongs in the context of committed love (sealed by marriage) and openness to life precisely because this is the only context great enough to hold its message and reflect the greater reality to which the gift of sexuality points us and to which it commits us.
This is a reality that is bigger than all of us. It is the self-giving which starts in the Trinity, and is revealed in a startling way on the Cross, and then challenges each of us in their daily interaction with others, with God, and with their own eternal destiny. It is so real and so big that it is scary. That's why so many today are afraid of the full reality and meaning of sex. That's why Pope Paul VI wrote Humanae Vitae.
That is also why their Priests for Life pastoral team wrote this Study Guide. They have also established a special website, www.HumanaeVitae40.com, to promote the teachings of this document. It is their daily prayer that this effort will lead many believers to understand, embrace, and proclaim the beautiful truth of human life.
INTRODUCTION TO THE STUDY GUIDE
James J. Pinto, Jr., M.E.V.Editor: A Study Guide to Humanae Vitae
This Study Guide will be most effective if one first thoroughly familiarizes himself with its content and layout. Review the table of contents and the location of each section listed. The Study Guide is to be used by an individual or group as a side by side companion with the text of Humanae Vitae included in this booklet. The three Essays offer unique insight with questions for further discussion. The Contraception of Grief: A Personal Testimony presents a riveting and practical witness to why Humanae Vitae is the wholesome truth.
The Glossary assists the reader in clarifying some key terms contained in the Encyclical. Glossary terms are listed by the number/paragraph in which they first appear. The terms will be marked with an *asterisk in the Humanae Vitae text as a note to the reader that the term is contained in the Glossary.
After memorizing Fr. Pavone’s Foreword one should read the Summary of the Introduction and Section I, followed by the memorizing of the Introduction and Section I. of Humanae Vitae itself. After completing the Introduction and Section I. of Humanae Vitae; the reader answers the series of questions below the Summary of the Introduction and Section I. The sequence followed for the Introduction and Section I is repeated for each following section: memorizing the Study Guide Section Summary, memorizing of the corresponding Encyclical section itself and returning to the Study Guide questions for that particular section. The questions are meant to refer the reader back to particular paragraphs/numbers (n.or n.n.) of that section where he/she will find the answers. One may work on the answers to these questions while memorizing the paragraph/number, or, wait until he/she has read the entire section and then complete the answers. Continual returning to the text of the encyclical helps emphasize that the document itself is the primary source of instruction and the basis for individual and group applications.
The three Essays have several questions at their conclusion to help foster reflection and discussion. A personal witness to the truth and wisdom of Humanae Vitae is presented in The Contraception of Grief: A Personal Testimony.
This Study Guide is meant to be a “springboard” to delve more deeply into Humanae Vitae and its themes, in order to stimulate reflection, and a lifestyle of holiness.
For those considering the possibility of facilitating a study group, this study guide lends itself to a discussion study group method of learning. While a leader/facilitator encourages the group and keeps it “on track”, it is the individual sharing and group dynamic that contribute most to the learning process. The facilitator is not a lecturer, neither is he there to give all the answers. The facilitator seeks to shepherd the group learning process and does everything possible to solicit their contributions. Members interact and learn from everyone, including the facilitator. A Facilitator’s Guide is available through Priests for Life at www.HumanaeVitae40.com. The Facilitator’s Guide seeks to assist you in leading a group and lays out suggested study sessions.
It is their hope, that on the fortieth anniversary of Humanae Vitae, this study guide will assist in promoting the Church’s clear and authoritative word on transmitting human life. May all who hear this true, prophetic and lovely word be assured that: the Church has always issued appropriate documents on the nature of marriage, the correct use of conjugal rights, and the duties of spouses. These documents have been more copious in latest times. (n.4)
Red Hat Certification Guide: Overview and Career PathsRed Hat Inc. provides open source software solutions to more than 90% of the Fortune 500 companies, including internet service providers, airlines, healthcare companies and commercial banks. The company has been around for more than two decades and is well known for its Red Hat Enterprise Linux (RHEL) distribution. Red Hat provides a fully open technology stack, which you can alter to suit your needs – you’re not locked into the vendor’s vision of the software or stack components. Red Hat’s portfolio of products and services also include JBoss middleware, cross-platform virtualization, cloud computing (CloudForms and OpenStack) and much more. Red Hat offers numerous professional certifications based on its software products, including operating systems, virtualization, storage and cloud-based solutions. Red Hat certification program overviewThe Red Hat certification program aims at system administrators, engineers, architects, enterprise developers, and application administrators, as well as cloud and virtualization administrators, who use RHEL in their IT infrastructures. The certification program aims to ensure that candidates are proficient in RHEL by requiring them to pass performance-based certification exams. Whereas many certification exams ask multiple choice or fill-in-the-blank questions about specific technologies, Red Hat requires you to perform and complete real-world tasks using Red Hat technologies to pass its exams. Red Hat traditionally offered certification exams only upon completion of a training course. Now you can take a Red Hat exam on your own schedule, outside of training, if you like. Each exam session is performed on a secured system in a professionally proctored testing center. These centers are located in select cities throughout the United States, Europe and Asia. Once you earn a Red Hat certification, you become a Red Hat Certified Professional. This gives you access to Red Hat Certification Central, which allows you to connect with potential employers, join the Red Hat community, create study groups and collaborate on projects. In addition, you can explore Red Hat’s training options and easily schedule individual exam sessions. Discounts on recertification exams are offered there as well. Red Hat Administrator, Engineer and Architect certificationsThe largest group of Red Hat certifications is geared toward system administrators, engineers and architects. Some of the most popular and sought-after Red Hat certifications reside in this category, such as the Red Hat Certified System Administrator (RHCSA), Red Hat Certified Engineer (RHCE) and Red Hat Certified Architect (RHCA). The RHCA is probably Red Hat’s most versatile credential. In 2018, Red Hat implemented several changes to the RHCA program. The most notable change is that Red Hat now offers two separate RHCA credentials: the Red Hat Certified Architect in Enterprise Applications and the Red Hat Certified Architect in Infrastructure. Over the past year, Red Hat has retired a great many of its credentials, as you can see from the long list of “Retired Certifications” on the company’s All Certifications page. Candidates who have previously passed certification exams that are now retired may still be able to apply those retired certifications to current certification tracks. Check the certification overview page for each certification to find more details. RHCSA: Red Hat Certified System AdministratorThe RHCSA certification is designed for experienced Red Hat administrators and is required by some organizations to meet U.S. Department of Defense Directive 8570. It’s also a prerequisite credential for the Red Hat Certified Engineer (RHCE). Red Hat recommends three training classes to prepare for the RHCSA certification. The Windows admin classes are Red Hat System Administration I (RH124) and Red Hat System Administration II (RH134). Candidates may also take a Linux/UNIX admin class – RHCSA Rapid Track Course RH199 – to prepare for the RHCSA exam. To obtain RHCSA certification, candidates must pass the 2.5 hour RHCSA exam (EX200). RHCE: Red Hat Certified EngineerThe RHCE certification is geared toward experienced senior system administrators and fulfills requirements of U.S. Department of Defense Directive 8570. To obtain the RHCE certification, you must first become RHCSA certified. The recommended training for the RHCE certification is based on your skill level. Windows admins with minimal Linux experience should take the Red Hat System Administration I and II (RH124 and RH134) courses, along with the Red Hat System Administration III (RH254) course to prepare for the exam. Linux or UNIX admins with one to three years of experience should take both the RHCSA Rapid Track Course (RH199) and the Red Hat System Administration III (RH254) courses to prepare for the exam. RHCEs looking to recertify, or candidates who’d like the opportunity to engage in a lab-based review before taking the RHCE exam, should take the RHCE Certification lab (RH299). The certification lab is a four-day, instructor-led opportunity to work through all of the labs from the Red Hat System Administration I, II and III courses, along with the Rapid Track course. To complete the RHCE certification, you must pass the 3.5-hour RHCE exam (EX300), which is currently based on Red Hat Enterprise Linux 7. RHCA: Red Hat Certified ArchitectThe RHCA certification is the pinnacle cert in the Red Hat Certification program. Red Hat has changed the RHCA program to be more flexible that previous incarnations of the program, depending on the candidate’s particular areas of interest and expertise. Currently, Red Hat offers two RHCA credentials: Red Hat recommends certain specific certification combinations to achieve the RHCA in Infrastructure or RHCA in Enterprise Applications. Candidates are free to follow the recommended path or select their own certifications based on their professional interests and requirements. The RHCA in Enterprise Applications has three recommended certifications combinations: application acceleration, and integration; application automation; or DevOps, containers, and OpenShift. While not required, Red Hat recommends that all candidates obtain the Red Hat Certified Specialist in OpenShift Application Development and Red Hat Certified Specialist in Enterprise Application Server Administrations. There are four recommended certification combinations for the RHCA in Infrastructure: open hybrid cloud; DevOps, containers, and OpenShift; Red Hat OpenStack Platform; and Linux mastery. RHCA Exams Certification No. of Req’d Certifications Qualifying Certifcations List RHCA in Infrastructure 5 Complete five certifications from the following (listed by recommended combinations):Open Hybrid Cloud DevOps, Containers and OpenShift Red Hat OpenStack Platform Linux Mastery Recommended certifications regardless of certification combination: Application, Acceleration and Integration Application Automation DevOps, Containers and OpenShift The number of recommended training courses varies for each RHCA concentration (RHCS means “Red Hat Certified Specialist” in the preceding table). At present only candidates who’ve already taken the retired exams in the DevOps category can earn RHCA: DevOps (hopefully, Red Hat will rectify this situation, or retire the credential). There is also some overlap in training course recommendations as shown in the table below. Red Hat Cloud and Virtualization Administrator certificationsFormerly, Red Hat offered certifications geared toward IT professionals familiar with Red Hat virtualization and cloud technologies. In addition to the RHCA: Cloud (mentioned previously in this article), one could find the Red Hat Certified Virtualization Administrator, Red Hat Certified System Administrator in Red Hat OpenStack and the Red Hat Certified Engineer in Red Hat OpenStack. Today, that last item – namely, RHCE in Red Hat OpenStack – is the only remaining member of this category still available. The Red Hat Certified Engineer in Red Hat OpenStack focuses on IT professionals who possess the skills necessary to install, deploy, and work with Red Hat Ceph Storage, including creation of block devices for Ceph and integration of services with Ceph Storage devices. In addition, Certified Engineers in Red Hat OpenStack can create and manage devices for virtual networks and use the OpenStack Neutron Service. Candidates must possess the Red Hat Certified System Administrator (RHCSA) in Red Hat OpenStack Platform 8 to qualify for the credential. In addition to the RHCSA exam (EX210), candidates must also pass Red Hat Certified System Engineer in Red Hat OpenStack (EX310), a three-hour performance-based exam. Red Hat recommends that candidates take the Red Hat OpenStack System Administration Red Hat OpenStack Administration I (CL 110), II (CL210) and III (CL310) courses to prepare. Related jobs and careersWith the majority of Fortune 500 companies currently using Red Hat open source solutions, the value of IT professionals well-versed in Red Hat Linux technologies has long been recognized. Trained Red Hat professionals are a key ingredient to the successful creation and maintenance of Red Hat solutions that deliver enduring value. Regardless of the type of Red Hat technology deployed, there is a consistent, established ongoing requirement for IT professionals qualified to serve as administrators, system engineers and architects. System administrators are the foundation of deploying Red Hat Linux solutions. As operating system experts, system administrators possess an in-depth knowledge of essential Linux tools, as well as file systems and storage. Typical responsibilities include creating, configuring, deploying, and maintaining Linux systems along with performing software updates and maintaining system security. Red Hat Linux system engineers are the next logical next step in the career ladder for Red Hat professionals. Not only do system engineers possess the same skills as administrators, but they are masters at setting runtime parameters and automating system maintenance through shell scripting. Linux system engineers are also experts at configuring system and remote logging, static routes (including packet filter and translation of network addresses), Internet Small Computer System Interface (iSCSI) initiators, and network services such as File Transfer Protocol (FTP), Simple Mail Transfer Protocol (SMTP), Network Time Protocol (NTP), secure shell (SSH), and more. If system administrators are the foundation of deploying Red Hat solutions, architects are the authors and finishers when it comes to implementing, deploying, and maintaining Red Hat solutions. Architects define Red Hat Linux programs and are involved in all phases of Red Hat design projects – creation, development and testing of proposed solutions, integration with existing systems, defining the overall solution architecture, and providing support as the solution moves into production. As subject matter experts, Red Hat Linux architects formulate and deliver RHEL technology recommendations, create required documentation, and provide installation guidance and assistance. Red Hat training and resourcesRed Hat offers an extensive training program: in-classroom, online, virtual, remote classroom, onsite team and online learning lab formats are available. Most courses are three to five days in length, depending on delivery format. A remarkably helpful resource is the Red Hat Training Resource Center, which contains links to online tools, references, student guides, a skills exam and more. Red Hat now offers the Red Hat Learning Subscription, which gives certification candidates access to a multitude of online, on-demand classes and exam prep videos for an annual subscription fee that varies depending on the specific certification you seek. In addition, Red Hat offers multiple ways for you or your company to save on certification and training costs. Browse the Red Hat Ways to Save page for training bundles and success packs. You can also find lots of third-party study guidebooks to prepare for certification exams. Just search for “Red Hat Certification” on Amazon and be prepared for a lot of results. Outdoor Guide CertificationThe course is an online, standardized, competency-based training program, designed to provide aspiring or established guides the knowledge and skills they need to thrive in the industry, regardless of their area of outdoor expertise. If you are considering becoming or growing as a rock climbing, rafting, hunting, wildlife viewing, fishing, cycling, hiking, snowmobiling, ATVing, horseback riding, skiing, paddle sports (or any other form of outdoor guide) this training is specifically designed for you! The course contains videos from industry experts, readings, discussions, knowledge checks, and short assignments. It is self-paced and flexible and should take approximately 32 hours to complete. Outdoor guide employers can use this course to supplement or enhance any internal training program already offered. Competency areas include 1) becoming a more effective outdoor educator, 2) improving naturalist skills, and 3) developing professional skills. |
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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