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 : FSMC
Exam Name : Food Service Manager Certification
Vendor Name : Food
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FSMC exam Format | FSMC Course Contents | FSMC Course Outline | FSMC exam Syllabus | FSMC exam Objectives

Exam Details:
- Number of Questions: The number of questions in the Food Service Manager Certification (FSMC) exam can vary depending on the certifying organization or program. Typically, the exam consists of multiple-choice questions, and the exact number may range from 100 to 150 questions.

- Time: Candidates are usually given a set time limit to complete the FSMC exam, which is typically around 2 to 3 hours. It is important to manage time effectively to ensure all questions are answered within the allocated time.

Course Outline:
The FSMC certification program is designed to assess the knowledge and skills required to effectively manage and operate food service establishments. While the specific course outline may vary depending on the certifying organization, the exam generally covers the following key areas:

1. Food Safety and Sanitation:
- Principles of food safety and hygiene
- Proper handling, storage, and preparation of food
- HACCP (Hazard Analysis Critical Control Point) principles and implementation

2. Menu Planning and Nutrition:
- Menu development and design
- Nutritional considerations in menu planning
- Special dietary needs and restrictions

3. Kitchen and Equipment Management:
- Kitchen organization and workflow
- Equipment selection, maintenance, and safety
- Inventory control and purchasing practices

4. Staff Management and Training:
- Recruitment and selection of personnel
- Training and development of staff
- Employee scheduling and performance management

5. Customer Service and Communication:
- Effective communication with customers and staff
- Customer satisfaction and complaint resolution
- Service standards and etiquette

6. Financial Management:
- Budgeting and financial planning
- Cost control and analysis
- Pricing strategies and profit maximization

7. Regulatory Compliance:
- Compliance with local, state, and federal regulations
- Licensing and permits
- Food safety inspections and audits

Exam Objectives:
The objectives of the FSMC exam typically include:
- Assessing the candidate's knowledge of food safety and sanitation practices to ensure the safe handling and preparation of food.
- Evaluating the candidate's ability to plan nutritious and well-balanced menus that cater to various dietary needs and restrictions.
- Testing the candidate's knowledge and skills in effectively managing kitchen operations and equipment to ensure efficiency and safety.
- Assessing the candidate's ability to recruit, train, and manage staff members effectively.
- Determining the candidate's understanding of customer service principles and their ability to provide a positive dining experience.
- Evaluating the candidate's financial management skills in budgeting, cost control, and pricing strategies.
- Testing the candidate's knowledge of regulatory compliance requirements in the food service industry.

Exam Syllabus:
The specific exam syllabus for the FSMC may vary depending on the certifying organization. However, the following Topics are typically included:

1. Food Safety and Sanitation:
- Foodborne illnesses and prevention
- Proper handling and storage of food
- Cleaning and sanitizing procedures

2. Menu Planning and Nutrition:
- Menu development and analysis
- Nutritional considerations and labeling
- Special dietary needs and menu adaptations

3. Kitchen and Equipment Management:
- Kitchen layout and workflow
- Equipment selection and maintenance
- Inventory control and purchasing practices

4. Staff Management and Training:
- Recruitment and hiring procedures
- Staff training and development
- Performance management and scheduling

5. Customer Service and Communication:
- Effective communication with customers and staff
- Service standards and customer satisfaction
- Handling customer complaints and feedback

6. Financial Management:
- Budgeting and financial planning
- Cost control and analysis
- Pricing strategies and profit margins

7. Regulatory Compliance:
- Local, state, and federal regulations
- Licensing and permits
- Food safety inspections and audits

It is important to note that the specific Topics and depth of coverage may vary depending on the certifying organization offering the FSMC certification. Candidates should refer to the official guidelines and study materials provided by the certifying organization for the most accurate and up-to-date information.

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Savouring the flavour of unique local popcorn snacks

Sepakam Sreymom’s roasted popcorn, flavoured with spring onion. PHOTO SUPPLIED

Sepakam Sreymom’s roasted popcorn, flavoured with spring onion. PHOTO SUPPLIED

Corn, known around the world for its delicious taste and rich nutritional benefits, has long been a favourite food staple. It’s a versatile ingredient, equally suited to main courses or tasty snacks.

In Cambodia, corn has a special place in the culinary tradition, particularly in the form of homemade products.

In the lively town of Battambang, one couple’s passion for corn has led to a thriving business.

Nuth Sophors, the dedicated owner of Sepakam Sreymom or Sreymom Grains Processing Handicraft, has seen her products reach the shelves of top supermarkets across Phnom Penh and six provinces.

She kindly shares her remarkable journey, saying: “We navigated through challenges, and amid the Covid-19 pandemic, they pivoted towards this venture, yielding substantial progress in 2022 and 2023”.

Starting out eight years ago with a modest investment, Sophors and her husband began packaging their corn products in simple plastic bags, secured with rubber bands.

Yet, their strict attention to quality and hygiene soon earned them a prestigious place in the market.

Their story is one of humble beginnings, as they started as ordinary workers without any prior experience in business or craft. Motivated by family responsibilities, they bravely ventured into online corn commerce, and their dedication paid off.

Today, Srey Mom Grain Processing offers an array of products, including kimchi, savoury fried shrimp and, notably, roasted corn with garlic and spicy flavours. Their products are widely available at stores like Chip Mong Supermarket in Phnom Penh, CP Fresh Mart, and various marts in six provinces, as well as online and in local cafes.

Sophors emphasises their commitment to sourcing local raw materials from Samlot and Moung Russey districts. This decision not only ensures quality but supports local farmers. The production volume varies, averaging between 20 to 30 kilograms daily, depending on customer orders.

In speaking about the production process, Sophors highlights its efficiency, with both production and packaging completed within a single day without significant complexities.

The unique flavour of their popcorn, resulting from high-quality, locally sourced corn, offers a delightful blend of taste and texture that sets it apart from competitors.

Pricing for “Srey Mom Grain Processing” popcorn ranges from 4,000 riel ($1) for 100g to 15,000 Riel for 400g. Its popularity often leads to swift sell-outs, a testament to the product’s appeal.

Looking ahead, Sophors has grand plans for her business. Her dream is to grow from a family business into an enterprise serving both local and international markets.

Despite challenges, such as limited capital, her determination to make the most of available resources remains unwavering. With such commitment and innovation, the future of “Srey Mom Grain Processing” looks promising indeed.

As a champion of Cambodian ingenuity, Sophors is passionate about promoting local products. She calls on supermarkets and malls to showcase Cambodian goods, urging them to adopt flexible conditions that favour family and small handicraft businesses. This would open up wider market access for local products.

At the same time, Sophors encourages her fellow Cambodians to support and promote local products. She emphasises the vital role they play in driving economic growth within the nation.

Her voice is an inspiring reminder that embracing and celebrating local craftsmanship is not just a matter of pride, but a tangible way to contribute to Cambodia’s flourishing future.


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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