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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ISEB EUCOC : Intermediate Certificate in EU Code of Conduct for Data centres exam Dumps

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Exam Number : EUCOC
Exam Name : Intermediate Certificate in EU Code of Conduct for Data centres
Vendor Name : ISEB
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EUCOC exam Format | EUCOC Course Contents | EUCOC Course Outline | EUCOC exam Syllabus | EUCOC exam Objectives


Exam Detail:
The EUCOC (Intermediate Certificate in EU Code of Conduct for Data centres) exam is a certification exam that focuses on assessing the knowledge and understanding of individuals regarding the EU Code of Conduct for Data Centres. This certification demonstrates proficiency in implementing energy-efficient practices and sustainability measures in data centers. Here is a detailed overview of the exam, including the number of questions and time, course outline, exam objectives, and exam syllabus.

Number of Questions and Time:
The exact number of questions in the EUCOC exam may vary, but it typically consists of around 40 to 60 multiple-choice questions. The duration of the exam is usually 90 minutes, allowing candidates sufficient time to answer the questions.

Course Outline:
The EUCOC certification course covers various syllabus related to the EU Code of Conduct for Data Centres and energy-efficient practices. The course outline may include the following components:

1. Introduction to the EU Code of Conduct for Data Centres:
- Overview of the EU Code of Conduct and its significance
- Objectives and principles of the Code
- Compliance requirements and exam processes

2. Energy Efficiency Best Practices:
- Energy consumption metrics and measurements
- Energy-saving techniques for data centers
- Cooling and airflow management strategies
- Power distribution and utilization efficiency

3. Environmental Sustainability:
- Green IT initiatives and strategies
- Renewable energy integration in data centers
- Waste management and recycling practices
- Carbon footprint reduction measures

4. Data Centre Operations and Management:
- Monitoring and benchmarking energy efficiency
- Energy-efficient equipment selection and configuration
- Energy management systems and tools
- Staff training and awareness programs

Exam Objectives:
The objectives of the EUCOC exam are to evaluate the candidate's knowledge and understanding in the following areas:

- Understanding the EU Code of Conduct for Data Centres and its requirements
- Knowledge of energy-efficient practices and technologies in data centers
- Familiarity with environmental sustainability measures in data center operations
- Competence in implementing energy management and monitoring systems
- Awareness of best practices for reducing energy consumption and optimizing efficiency

Exam Syllabus:
The EUCOC exam syllabus covers the following topics:

1. EU Code of Conduct for Data Centres
2. Energy Efficiency Best Practices
3. Environmental Sustainability
4. Data Centre Operations and Management

Candidates are expected to have a solid understanding of these syllabus and their practical application in promoting energy efficiency and environmental sustainability in data centers. The exam assesses their ability to implement energy-saving measures, adopt sustainable practices, and manage data center operations with a focus on efficiency.



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ISEB Certificate outline

 

Certification Requirements

Certification now follows a rolling model for applications and approvals. If you have questions after reviewing this website, please contact cert@nullesa.org or 202-833-8773.

The period of certification lasts for 5 years, retroactive to the first day of the month the application was approved and expiring on the final day of the same month 5 years hence. ESA staff will communicate with you about your status beginning at least 60 days prior to expiration, and will additionally remind you to submit your CEU data on a regular basis.

If you currently hold a certification from pre-2021 and will expire the next June from now, you should recertify in the spring of the year your certification expires; if your certification expired in the previous June, you may still recertify or upgrade.

We allow 2 years’ grace periods to recertify or upgrade, but you will be required to pay a penalty fee if your certification has lapsed beyond that grace period. All recertifications at all levels (except Emeritus) cost $25 for ESA Members and $50 for non-members.

Starting in 2022, the penalty fee is the cost of recertification for each year of lapse, with the first 2 years waived if you recertify within 2 years. In other words:  

0 yr lapsed: $25 for recertify 

1 yr lapsed: $25 for recertify (1 yr of back recertification fees waived)  

2 yr lapsed: $25 for recertify (2 yr of back recertification fees waived)  

3 yr lapsed: $75 for recertify  

4 yr lapsed: $100 for recertify 

Minimum Education Requirements to Apply

Candidates for certification must have completed at least a bachelor’s degree or a higher degree in ecology or a related science. Completed undergraduate or graduate coursework must include the following, totaling 42 semester credit hours. Full requirements include areas of coursework and should include some core topics.

Eligibility per Level

Please use this table for a general overview of requirements; specifics for each category follow below. Following approval of the minimum CEU type requirements by the Board of Professional Certification, this table will list requirements to upgrade as well.

  Degree Requirement Professional Experience (Years) Ecologist in Training Bachelor’s + 0 Cover Letter Detail: Career aspirations, highlights of research/work to date — Associate Ecologist Bachelor’s + 1 Cover Letter Detail: Field work, data skills, understanding of the human dimension in ecological systems — Ecologist Bachelor’s + 2 with master’s/doctoral degree; 5 with bachelor’s Cover Letter Detail: Independent studies, complex data analyses, journal publication, report writing, oral presentations, understanding of the human dimension in ecological systems — Senior Ecologist Bachelor’s + 5 with doctoral degree; 10 with bachelor’s/master’s Cover Letter Detail: Thorough knowledge of ecological theory and application, including the interdependence and impact of humans on ecosystem structure, function, and environmental change; written original contributions of original interpretation of ecological information; technical or organizational competence as evidenced by supervision of projects

Certified Ecologist and Senior Ecologist certification holders who hold that status for at least 10 consecutive years and are no longer working full-time may upgrade to each level’s respective Emeritus/ta designation. Contact cert@nullesa.org to learn more.

  • Professional experience accrues as soon as the minimum education requirements are met (typically with an appropriate bachelor’s degree). Professional experience during graduate studies shall be counted the same as any other professional experience regardless of whether it was undertaken during a degree program such as a master’s or doctoral program.
  • For recertifications, courses completed as part of a graduate degree program (or outside a degree program) may be counted toward continuing education in the appropriate category.
  • If courses during graduate training are used to satisfy the minimum education requirements, professional work experience may be counted after the last such course is successfully completed.
  • Provide an appropriate explanation of time spent in full-time employment (e.g. if working through school, during a gap year, etc.) in your application.
  • Length of experience will be evaluated only up to the application submission date.
  • Continuing Education

    Please note that beginning 2021, all newly certified ecologists are required to complete 44 continuing education units over 5 years to be eligible for recertification or upgrade. Currently certified ecologists will be permitted to recertify or upgrade per their original requirements up to 2025; beginning with 2026, all recertifications and upgrades will require having met the CEU requirements. The ESA Board of Professional Certification approved this framework in January 2021.

    Certified ecologists should report their CEU as they are earned, or at least on an annual basis. You can see how to do so here.

    Interpretive leeway will be given to participants to identify suitable professional development opportunities per the requirements. ESA is partnering with other scientific organizations and training bodies to recommend opportunities for CEU in addition to the content that ESA provides — see the directory. Participants are encouraged to share ideas with staff as well.

    Ethics and Professional Conduct

    All ecologists certified by ESA shall conduct their activities in accordance with the ESA Code of Ethics and with the highest standards of professional conduct and personal honor.

    Application Materials

    You can review the full application requirements here.

    Here are additional details about the requirements for each certification level.

    Ecologist in Training

    This category is for graduating students who have met the education requirements for ESA certification but do not have the required professional experience for the current certification categories. The basic requirement is:

  • A bachelor’s or higher degree in ecology or a related science from an accredited college or university.
  • A holder of the Ecologist in Training designation is encouraged to use the full term, “Ecologist in Training,” on business cards or in official signatures, but may use the initialism “EiT” if space limits require.

    Associate Ecologist

    This category is for ecologists in the early stages of their career. Course requirements may be met with post-baccalaureate courses from an accredited college or university, but professional experience may not be counted until all coursework requirements for certification are met. The basic requirements are:

  • A bachelor’s or higher degree in ecology or a related science from an accredited college or university.
  • At least one year of post-graduate professional experience gained in the performance of research or data analysis demonstrating technical competence in current application of ecological principles and/or theory.
  • Relevant experience should have been gained within the five years preceding application at this level. The Board will consider exceptions on a case-by-case basis; applicants whose relevant experience falls outside the five years should provide a detailed explanation of their professional experience outside of that time window in their cover letter.
  • A holder of the Association Ecologist designation is encouraged to use the full term, “Certified Associate Ecologist,” on business cards or in official signatures, but may use the initialism “CAE” if space limits require.

    Ecologist

    This category is for established professional ecologists.

  • A master’s degree or higher in ecology or a related science from an accredited college or university and at least two years of full-time equivalent professional experience after degree; OR at least five years of professional experience in addition to the education requirement for Associate Ecologist.
  • In addition to the one-year experience requirement for Associate Ecologist, candidates must also demonstrate the ability to perform professional work in ecology, as outlined in the table above. This professional work must follow completion of the education requirement for qualification at the Ecologist level.
  • Relevant experience should have been gained within the five years preceding application at this level. The Board will consider exceptions on a case-by-case basis; applicants whose relevant experience falls outside the five years should provide a detailed explanation of their professional experience outside of that time window in their cover letter.
  • Note that, beginning in 2022, Ecologist in Training or Associate Ecologist certification holders who achieve a relevant doctoral degree may upgrade to the Ecologist level without completing other CEU for that 5-year certification period.
  • A holder of the Ecologist designation is encouraged to use the full term, “Certified Ecologist,” on business cards or in official signatures, but may use the initialism “CE” if space limits require.

    Certified Ecologist Emeriti

    This category is for previously Certified Ecologists who are no longer working full-time. The requirements are:

  • Previously certified as a Certified Ecologist for at least 10 years, with no more than a total two-year lapse between periods of certification.
  • May no longer be employed full-time.
  • DO NOT USE THE APPLICATION FORM for this designation. Contact cert@nullesa.org if you are interested.
  • If the Certified Ecologist Emeritus/ta desires to depict certification on any official document, they are encouraged to use the term “Certified Ecologist Emeritus/ta.” This is meant as an honorary lifetime recognition and does not imply continued professional status. The initialism “CEE” is acceptable if space limits require.

    Senior Ecologist

    This category is for professional leaders in ecology who have established a track record of excellent contributions to the field in applied and analytical environments.

  • A doctoral degree in ecology or a related science from an accredited college or university and at least five years of full-time equivalent professional experience after degree; OR at least 10 years of professional experience after completion of the minimum education requirements for certification (qualifying bachelor’s degree or completion of required coursework in post-baccalaureate courses).
  • Course requirements may be met with post-qualifying degree (post-baccalaureate or post-master’s) courses from an accredited college or university, but professional experience may not be counted until all coursework requirements for certification are met.
  • Relevant experience should have been gained within the five years preceding application at this level. The Board will consider exceptions on a case-by-case basis; applicants whose relevant experience falls outside the five years should provide a detailed explanation of their professional experience outside of that time window in their cover letter.
  • Note that, beginning in 2022, Ecologist certification holders who achieve a doctoral degree may upgrade to the Senior Ecologist level without completing other CEU for that 5-year certification period.
  • A holder of the Senior Ecologist designation is encouraged to use the full term, “Certified Senior Ecologist,” on business cards or in official signatures, but may use the initialism “CSE” if space limits require.

    Recertification applications at the senior ecologist level require only a cover letter and up-to-date CV if the applicant is, at the time of application, currently certified as a Senior Ecologist by ESA and a member of the Society in good standing.

    Senior Ecologist Emeriti

    This category is for previously certified Senior Ecologists who are no longer working full-time. The requirements are:

  • Previously certified as a Senior Ecologist for at least 10 years, with no more than a total two-year lapse between periods of certification.
  • May no longer be employed full-time.
  • DO NOT USE THE APPLICATION FORM for this designation. Contact cert@nullesa.org if you are interested.
  • If the Senior Ecologist Emeritus/ta desires to depict certification on any official document, they are encouraged to use the term “Senior Ecologist Emeritus/ta.” This is meant as an honorary lifetime recognition and does not imply continued professional status. The initialism “SEE” is acceptable if space limits require.


    School of Media Studies

    Immerse yourself in documentary filmmaking—production and theory—in New York City, the world's documentary capital. The Graduate Certificate in Documentary Media Studies is an intensive professional education program for prospective documentarians. In the course of one year, you develop, shoot, direct, and edit an original short documentary film on a New York City–related subject. Applicants must have a bachelor's degree from an accredited institution and submit a portfolio; previous study of filmmaking is not required.

    Learn from Professional Filmmakers

    Central to the intensive one-year curriculum is Doc Talks, a monthly screening series. Doc Talks invites guest artists and professionals in the field of documentary cinema to share insights into their work and the media industry with Documentary Studies students. Additionally, every spring, as part of the Dorothy H. Hirshon Residency, a distinguished filmmaker leads master classes to which certificate students are invited.

    Read more about the curriculum

    Truth Be Told Festival

    The Documentary Media Studies program culminates in a student documentary festival, Truth Be Told, at the end of each school year. At the festival, certificate students' films are publicly screened and discussed by the filmmakers and faculty. The films are the products of students' yearlong study of documentary production, history, and theory.

    Visit the Truth Be Told website

    Career Paths

    Certificate holders are qualified to become documentary editors, field producers, cinematographers, directors, and researchers and take up related positions in media distribution, museum programming, festival organization, and broadcast productions. All 2018 graduates were employed or pursuing further education within 12 months of graduating.

    Some students continue their graduate studies in pursuit of a master's or PhD. Students who complete this certificate are invited to apply for the MA in Media Studies or MS in Media Management programs. If admitted, students who complete this certificate can transfer all credits from the certificate, provided that grades of B or better were received in the courses.

    Conversely, MA in Media Studies or MS in Media Management students may apply to pursue the Documentary Media Studies certificate in their second year of study. If they are admitted, all credits will apply to their respective degrees, provided that grades of B or better were received in the courses.

    Read alumni news on the program blog


    I Lost My Share Certificate. Do I Still Own the Stock?

    An investor is issued a share certificate, also known as a stock certificate, when they buy shares of a publicly-traded company. The share certificate serves as a receipt for the stock purchase. The certificate includes important details about the investor’s stock ownership such as the number of shares purchased.

    But exactly how important is it to hold a stock certificate and does the investor still own the stock if it is lost?

    Key Takeaways
  • When an investor purchases shares of a publicly traded company they are given a stock certificate.
  • Stock certificates include information about the investor's stock, such as the number of shares purchased.
  • In today's world, investors hardly ever receive a stock certificate as the stock ownership process is now managed electronically by the Central Securities Depository (CSD).
  • Electronic share transactions allow for automated proxy voting, dividend distributions, and other important information.
  • If an investor does not have or loses their stock certificate, they are still the owner of their shares and entitled to all the rights that come with them.
  • If an investor wants a stock certificate, or if it is lost, stolen, or damaged, they can receive a new one by contacting a company's transfer agent.
  • Are Stock Certificates Necessary to Prove Ownership?

    In most cases, investors never receive a physical share certificate as the process is managed electronically. Electronic share transactions and processes enable automated proxy voting, dividend distributions, and other pertinent notifications for the shareholder.

    Even without a physical share certificate, a stock owner is still the owner of the stock and party to all the rights to being a shareholder. The owners will receive dividend payments and other notices.

    Replacing a Stock Certificate

    In some cases, however, an investor may choose to hold a physical share certificate, which details their share ownership. A share certificate can be replaced if it is lost, stolen, or damaged. In order to replace the physical certificate, the shareholder will need to contact the company's stock transfer agent.

    The corporation's investor relations department should be able to provide a shareholder with information on how to contact the transfer agent. A transfer agent records the shareholders of a company and how many shares an investor owns, the stock certificate numbers, and the contact information for the stock owner.

    If you find an old stock certificate, perhaps in a deceased relative's belongings, and even though the company may no longer exist, it is still worth looking into as the company may have been bought by an existing company and worth a certain amount.

    Once the transfer agent is notified of the loss, the agent will place a "stop transfer" on the certificate to prevent others from cashing the certificate in if it is found. The stop-transfer is much like the stop payment that an individual might place on a check at their bank. The transfer agent will also notify appropriate parties to alert them that the certificate has been lost.

    Steps the Shareholder Must Follow if a Certificate Is Lost

    Each company’s procedures may vary. However, there are some steps that the shareholder must follow. First, the shareholder must describe the loss and any facts surrounding the loss in an affidavit. Second, the shareholder may be required to purchase an indemnity bond. The purpose of the bond is to protect the corporation and the agent in case the lost certificate is somehow redeemed by another party at a later date. (Think of it simply as additional insurance.)

    When the necessary information has been provided and the necessary steps are taken, a new certificate will be issued.

    The Bottom Line

    Losing a share certificate can be remedied by contacting the company's investor relations department. This department will inform the shareholder how to contact the transfer agent who can place a stop payment on the shares and reissue a new certificate. The shareholder may have to complete an affidavit and purchase an indemnity bond.

    However, stock certificates are no longer needed in today's world of electronic communication, and even if an investor loses their certificate, they still own the shares.


     


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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