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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Best PDF editors 2024: Their top picks

It’s likely that you regularly come across or work with PDF files—they’re ubiquitous in their modern cross-platform world. Most of the time, when viewing a PDF, you can enjoy free software that allows you to read or comment on these files. But what if you need to edit them as well? That’s where a PDF editor comes in.

The best PDF editors allows you to edit, create, alter, and convert PDF files just like you would with any other text document. Adobe Acrobat is the most famous option for most people. But while it’s excellent both in features and utility, it’s also pretty expensive. Thankfully, in exact years a whole host of third-party PDF editors have sprung up in order to provide less expensive alternatives.

Here at PCWorld we’ve tested many of these top PDF editors and curated a list of the very best. With different use cases in mind, we’ve included picks for the best overall, best budget option, and even a recommendation for the best free PDF editor—because sometimes you just don’t want to pay for the basics. Check out their recommendations below to find the best PDF editor for you.

Update 12/18/2023: To include Foxit PDF Editor 13 as their new choice for best overall PDF editor runner-up. Read more about this excellent alternative to Acrobat in their summary below.

Adobe Acrobat Pro DC – Best overall


  • Easily navigable tabbed interface
  • Comprehensive PDF editing features
  • Streamlined sharing feature makes it easier to fill documents and get signatures
  • Cons

  • Rich feature set can be overwhelming for new users
  • Price When Reviewed: $19.90/mo I $239.88/yr

    Adobe Acrobat Pro DC remains the industry standard for good reason. Its rich combination of creation, editing, reviewing, and security features are mimicked by the best alternative options, but they feel Acrobat still does it best. Its exact interface redesign makes it much easier to navigate through its robust toolset than the nested menus of yore, and its cloud subscription option puts its advanced features within reach of more individuals and small businesses. (See how it compares to the Adobe Acrobat Standard DC.)

    Though many of its features are available in other, cheaper PDF editors, Acrobat is still the editor against which all others are judged.

    Read their full Adobe Acrobat Pro DC review

    Foxit PDF Editor 13 – Best overall runner-up


  • Multi-platform
  • Business-ready capabilities
  • AI integration helps with document editing
  • Cons

  • Can be expensive depending on product license
  • Price When Reviewed: $179.99 (Standard version, perpetual license)

    Foxit PDF Editor 13 hits all the right notes for a premium PDF editor and can even take on the formidable Adobe Acrobat. It’s packed with features that are sure to please power users—all the requisite content editing tools; review and markup features; form fill and signing support; and robust security options for sensitive documents, such as permissions, password protection, and data redaction. It supports tons of file formats, and adding hyperlinks, images, and files to a PDF is trouble-free.

    Indeed, ease-of-use is one of Foxit’s great strengths. The program uses a Microsoft Office-style ribbon interface which groups tasks in a familiar and intuitive interface, making for a seamless integration with your workflow. It also provides ChatGPT integration so you can easily get help with your documents from an AI assistant. Yes, it’s priced on the higher side for a PDF editor, but with all it has going for it, Nitro PDF Pro more than earns its keep. Plus, you can try it out for free for seven days to see if you like it before making a commitment. If you’re looking for an Acrobat replacement, you won’t find many better.

    Read their full Foxit PDF Editor review

    EaseUS PDF editor – Best budget option


  • Full set of editing tools
  • Annotation options enable easy collaboration
  • Straightforward interface
  • Cons

  • Windows only
  • Needs subscription to remove usage limits
  • Price When Reviewed: Free I $29.95/mo I $49.95/yr I $79.95/lifetime

    EaseUs might not have the name recognition of some of the other editors on this list, but it’s more than capable of holding its own in the crowded PDF editor market. It provides all of the essential tools for managing PDF files without any of the elaborate or hard-to-understand features. It allows users to jump right in to their toolset and get straight to editing with only what they need.

    While EaseUS’s features are great, they are also pretty standard fare among PDF editors. What makes it stand out is its affordable price—it’s a great value for those who regularly edit PDFs and don’t want to pay out the nose. EaseUS also offers a fully functional free version (with embedded watermarks on your edited documents) so users can take it for a spin to see if it meets their needs before they commit to paying any money.

    Read their full EaseUS PDF Editor review

    PDF Candy – Best free option


  • Many advanced features
  • OCR capability
  • Very easy to use
  • Cons

  • No Mac support
  • Free trial only offers basic features
  • Price When Reviewed: Free

    PDF Candy is the rare free PDF editor that offers a lot of the features you’d typically have to pay for. We’re talking scanning, multiple file-conversion options, and OCR functionality. All of this combines to make PDF Candy stand out among the multitude of lesser free PDF editors. It does have a bit of a wonky interface, but once you get the hang of it you’re off and running.

    Unfortunately, while the free version has access to the expansive toolset of the paid version, you’re limited to one PDF task per hour. If you want unfettered access, you need to shell out $6 per month, or $48 per year.

    Read their full PDF Candy review

    PDF Expert – Best full-featured editor for Apple devices


  • Syncs across Mac, iPhone, and iPad
  • Comprehensive editing and annotation tools
  • Simple, intuitive interface
  • Cons

  • Requires annual payment
  • Lifetime license enables use on Mac only
  • Price When Reviewed: Free 7-day trial, then $79.99 annually

    PDF Expert is an excellent editor that fits seamlessly into the Apple ecosystem, making it their pick for Macs, iPads, and iPhone users.

    While macOS does include a PDF editor in its Preview app, iOS devices don’t have a native PDF editor and PDF Expert fills that gap nicely. It has a clean and intuitive interface and offers a plethora of easy-to-use editing options such as page management, converting scanned files into editable documents, and conversion to other file formats, among other things. The pricing plan is also considerably cheaper than most of the other top picks, meaning this is a no-brainer for Apple users.

    Read their full PDF Expert (iOS) review

    Apple Preview PDF editor – Best free option for Mac users


  • Full set of PDF markup tools
  • Supports form filling
  • PDFs can be protected with passwords, encryption, and permission controls
  • Cons

  • Limited native sharing options
  • Only available to Mac users
  • Price When Reviewed: Built into macOS

    Mac users needn’t look beyond the macOS for their PDF editing needs, since there is a full set of PDF markup tools already available at their disposal in Apple Preview. It has the chops to handle most personal and business PDF editing needs, including encryption, password protection, and permissions for files.

    Apple Preview’s PDF features and capabilities are impressive and should be all you need for most common editing tasks. The drawback, of course, is that only Mac users can take advantage of them.

    Read their full Apple Preview PDF editor review

    pdfFiller – Best web-based editor


  • Intuitive web-based interface
  • Robust security options
  • Lots of business-ready capabilities
  • Cons

  • Business features won’t be needed by some users
  • Requires annual commitment to get best value
  • Price When Reviewed: $8 per month (annual commitment) I $20 per month (cancel at any time)

    pdfFiller is a browser-based PDF editor that allows you do to just about everything PDF-related—editing, securing, sharing, creating, and storing PDF files—all from its intuitive and simple web interface. Its design is similar to a desktop app, with the toolbar across the top, and document thumbnails along the side, so it’s very easy to select the page you want to work on and perform the desired function, be it adding, deleting, or copying/pasting text; changing font style, size, and color; and so on. A standard set of markup tools is also available. It has a surprisingly deep set of features for both personal and business use. For instance the Premium plan offers an impressive legal document library, as well as SignNow support.

    While incredibly versatile, not all of pdfFiller’s advanced features will suit everyone. Fortunately, there are three subscription tiers, which gives users a way to meet their editing needs without paying extra for unnecessary features: Basic for $8/mo; Plus for $12/mo; Premium for $15/mo with an annual commitment. Month-to-month options are also available, but at a higher cost, of course.

    Read their full pdfFiller review A word about online PDF editors

    Why spend a chunk of change on a desktop editor when free online PDF editors abound? The simple answer is because you get what you pay for. Generally, free online editors will let you add text and comments, merge and split documents, and convert files to and from PDF. With rare exception, however, they won’t let you edit existing text and many have file-size and page-volume restrictions. And a lot of them will watermark your edited document. For these reasons, web PDF editors are best reserved for simple, fast editing jobs. Call in these big dogs for anything more demanding.

    What to look for in a PDF editor

    PDF editors come in a variety of flavors, offering varying feature sets—from basic functionality to power-user tools. It’s important to know what features best match your workflow before you commit to a PDF editor.

    Create, convert, and export PDFs

    The most fundamental function of a PDF editor is to make PDFs, either from scratch, scanned hard copies, or by converting digital documents. A good PDF editor should be able to transform a variety of file types—from Microsoft Office formats to images to HTML—and do so seamlessly, preserving the original formatting. It should also include OCR technology to make the PDF text searchable and editable. Likewise, a good PDF editor must be able to export PDFs into other editable formats such as Microsoft Word and PowerPoint, HTML, or plain text, maintaining the original files hyperlinks, images, and other elements.

    Content editing

    Another bit of magic that PDF editors unlock is the ability to modify text; insert, resize, and move images; and reorganize pages in the PDF. A good one will perform these tasks as easily as in a text document or slide deck, allowing in-line editing, dragging-and dropping graphics, and adding or removing hyperlinks.

    Review and annotate

    A good PDF editor should also let you or anyone else using it add comments and other annotations to PDF files during review. It should have tools to mark up both text documents and graphic-heavy files like webpages. Common options include sticky notes, callout boxes, highlighting, freehand drawing tools, and stamps with messages like “approved,” “revised,” and “confidential.”


    All businesses deal with documents containing sensitive data. Look for a PDF editor that includes security features that allow access for authorized eyes only. Good options will usually offer several levels of security, including password protection, permissions setting, and content redaction, which “blacks out” selected text and images. Most PDF editors will also offer one or more ways to electronically sign documents.

    Mobile support

    While deep PDF editing is best done on a desktop, it’s nice to be able to review and annotate files when you’re out and about. While PDFs can typically be reviewed in any PDF reader or editor, regardless of which one they were created in, consider looking for an editor that has a dedicated mobile app, is optimized for mobile devices, or allows cloud access to features through a mobile browser.

    One of the great things about a PDF is that it can be read and edited in any PDF program regardless of which one it was created in. So beyond the features outlined here, let your personal preferences guide you in making your decision.

    FAQ 1. What is the difference between a PDF document and a PDF form?

    While there are a number of different types of PDF file formats, they all fall under the umbrella term of PDF documents. A PDF form is a type of PDF document that has editable form fields a user can fill out. Typically, parts of the document are static and can’t be changed in a PDF form, such as questions in a survey or instructions about filling out the form. In a PDF form, the content fields a user fills out are open to editing and can offer a list of possible answer options or can be written in freely.

    2. Are PDF documents and Word files different?

    Yes. They are two entirely different document formats. While you can export from one file format to another, they are not the same. Word file formats are usually used for word processing, editing, and making changes to text. PDF documents on the other hand, are most often utilized for viewing, sharing, and printing. Additionally, Word files are read and write and contain some version of the “.doc” file format. Whereas PDF files are typically read-only and contain the “.pdf” file format.

    3. Can you protect PDF documents from being edited by other people?

    Yes. If you have a PDF document that you don’t want anyone else to edit, you can protect the file. You can do this by opening the file in Acrobat, for instance, and clicking Tools > Protect. Then you have a few options as to whether you want to simply restrict editing with a password, or if you want to encrypt the file for further safety. Once you choose how you want to protect the PDF document, you can set a password and save.

    4. Can you merge PDFs with a free PDF editor?

    As a matter of fact, many free PDF editors allow you to merge two or more PDFs into one document. Such is the case with their top free pick PDF Candy. Open up the PDF editor application or website in your browser and search for the Merge option. It will then ask you to add the files of all PDFs you wish to merge. Once the files have been added, arrange the page order and alignment before proceeding with the merge. Afterwards, all of your previously PDF files will be merged into one new PDF document.

    5. Does Google have a free PDF editor?

    Yes and no. Google doesn’t provide a designated free PDF editor itself, but there are third-party Chrome extensions that you can use to help get the job done. Alternatively, you can make use of Google Drive to edit a PDF document. Simply upload the document onto your Google Drive and then select the file and right-click and select Open with > Google Docs. The file will be opened as an editable Google Docs text document. Then just make your edits and when you’re finished click File > download >PDF Document to revert it back to a PDF file.

    This method is a quick and easy way to edit a simple PDF document, but be careful as Google Docs can run into formatting issues if your original document has complex visual formatting such as tables and graphs. In this case, it is best to use a designated free or premium PDF editor.

    A few questions for Republicans about abortion

    Nikki Haley: They need to humanize this issue

    2024 presidential candidate Nikki Haley discusses the politics of abortion, why she believes TikTok should be banned and battling Trump's commanding lead in the polls on 'America Reports.'

    NEWYou can now listen to Fox News articles!

    Recently, voters sent a very clear message to the Republican Party – when choice is on the ballot, choice wins. 

    It’s a message that is supported by the fact that the majority of Americans support access to abortion, and anyone who is not willing to accept this reality is out of step with the American people. 

    As I reflect on the incredible victories that Democrats had – solidifying control of both chambers of the Virginia General Assembly, re-electing a pro-choice governor in ruby-red Kentucky, and enshrining abortion access in Ohio’s state constitution, I wonder: 

    House Speaker Mike Johnson does not seem to care about the reproductive health of women nor that he is out of step with the American people. (Drew Angerer/Getty Images)

    Will members of the GOP ever accept that Americans in both parties are not going to part with fundamental freedoms? 


    As interim president of EMILYs List, a group that is laser focused on electing Democratic pro-choice women up and down the ballot, I often think about what Justice Samuel Alito said in his writing as their constitutional right to an abortion was handed over to the states in the 2021 Dobbs decision, "Women are not without electoral or political power." 

    And in every election since then, they have taken Alito’s words to heart. They have risen to the challenge and they continue to win – over and over and over again. 

    Voters are too smart to believe the fake promises of "compromise" because they know that one of the most important decisions of a person’s life – when and how to start a family – does not belong in the hands of politicians. 

    And as both Democratic and Republican voters continue to speak loudly at the ballot box on this topic, the question remains: Will extreme anti-choice Republicans hear us and stop trying to control their bodies? 


    One day after the incredible victories in Virginia, Ohio and Kentucky, they saw Republicans at the GOP presidential primary candidates double down on their anti-choice stances. And after voters in Ohio made their position on abortion access clear through a referendum, Republicans are still planning to work overtime to block the will of the people. 

    This is not the anti-democratic America that any of us, no matter party affiliation, should be working toward. Instead, they should be working to maintain the practices that represent the views of the majority. 

    That is why the work I do every day is so very important. My colleagues and I know that government works best when it truly represents the interests of the people. The fact remains that on the Topic of abortion, the people have spoken. Will Republicans listen? 

    The answer to this and all of my questions is seemingly no – not as long as extremism continues to grip the GOP in a tight chokehold with no plans of letting go. 

    That especially seems to be what has happened even at the highest ranks with the new speaker of House, Rep. Mike Johnson, R-La. Hailing from a state with one of the highest maternal death rates in the nation, Johnson does not seem to care about the reproductive health of women nor that he is out of step with the American people. 


    In 2021, Johnson co-sponsored a bill that would be a total federal abortion ban from conception with no exceptions. This federal abortion ban would overrule any state laws, even in states that have protected abortion rights.

    Johnson celebrated efforts to punish providers, specifically praising a Louisiana law that would mean those who provide abortion care can be "imprisoned at hard labor for 1-10 yrs & fined $10K-$100K."

    He has made his intention around abortion no secret, saying, "Roe and Casey created a so-called constitutional right to abortion in air quotes. They created it out of thin air."

    Johnson also voted against the Women’s Health Protection Act, legislation that would codify the protections of Roe v. Wade into federal law. 


    It is clear that in the places where it counts – in the halls of power, Republicans aren’t listening to the American people, including a large number of registered Republican voters. They continue to hide their true intentions, but what American voters know is that a ban is a ban, no matter how you slice it. There is no compromise when it comes to their health and their freedom. 

    If Republican candidates continue to refuse to listen, Democrats will continue to win.

    Republicans, can you understand that?


    Jessica Mackler is the interim president of EMILYs List, the nation’s largest resource for women in politics.

    Your Top Health Questions of 2023, Answered

    One thing I love about editing the Ask Well column is the camaraderie of it. Every week they answer a health question: Why am I so congested all the time? (I’ve wondered that, too!) Why does my sleep get worse as I age? (I’m right there with you.) Is my coffee habit in need of an intervention? (Pour me another while they figure it out.)

    When I survey their inbox, I’m amazed at what comes in — questions that cover the joys, agonies, confusions and vulnerabilities of being a person. And luckily for us all, they get to seek out the answers.

    Here are 10 of the most popular health questions of 2023.

    1. Is it bad to wash your hair every day?

    The answer depends on your hair texture, how oily it is, whether it’s color-treated and more.

    “While it may seem that getting the scalp squeaky clean and without any oils is optimal,” said Dr. Murad Alam, a dermatologist at Northwestern University, “keep in mind that the scalp is a living part of your body, and not a dinner plate in your dishwasher.”

    2. Is arthritis avoidable?

    Pain, stiffness and swelling of the joints are common complaints for older adults — and they can be the first sign of a dreaded diagnosis: arthritis. This umbrella term describes more than 100 conditions that cause inflammation in the joints. But it doesn’t have to be an inevitable result of aging. Here are some steps you can take to reduce your risk.

    4. Can a nap make up for a bad night of sleep?

    Maybe you stayed up too late doomscrolling, or you whipped your sheets into a tornado replaying an uncomfortable conversation. Either way, you’re wondering: Will a midday nap make up for those precious hours of lost shut-eye? The answer is complicated, they found. Here’s what naps can — and can’t — do for your health.

    5. Why am I so congested all the time?

    So you wake up every morning all stuffed up and you want to know what’s going on. Is it that cold you (and everyone else) seem to have? The anatomy of your nose? Allergies? Chronic congestion is tricky to treat, experts say, because any number of things could be causing it. But there are some ways to find relief.

    6. What should I eat or drink when I have a cold?

    If that stuffiness is indeed caused by a cold, turn to foods and drinks that are hydrating, nourishing and comforting (hello, chicken noodle soup!). Here’s a look at how nutrition can help fight your infection, along with what foods and drinks to avoid.

    7. Why does it become harder to sleep as I age?

    As a flagrant tosser and turner, I’ve noticed that the older I get, the less likely I am to wake up refreshed. It turns out there are medical reasons for that: An aging brain, certain health conditions, hormones and lifestyle changes could all be the cause. The good news is that sleepless nights are not a fate you have to live with.

    8. Why do I get constipated when I travel?

    Any activity that interrupts your regular eating or sleeping schedule risks backing you up. Dehydration, immobility, changing time zones and an altered diet are typically to blame. Here’s how to get things running a little more smoothly when you’re out and about.

    9. Do I really need all those skin care products?

    If you spend any time on the personal-care side of social media, you’ll see video after video of influencers dousing themselves in an entire medicine cabinet’s worth of products. But simpler is often better when it comes to taking care of your face. Here’s what dermatologists say you actually need.

    10. How much coffee is too much coffee?

    Raise your hand if you’re drinking coffee while practicing this. Keep it raised if you’re on your second (or third or fourth) cup of the day. Coffee contains thousands of chemical compounds that may be linked to good health. But it’s also a major source of caffeine, which in excess can cause issues like jitteriness, anxiousness, nausea and trouble sleeping. While experts say that dangerous side effects from coffee-drinking are rare, it’s still possible to overdo it. Here’s how to know if you’ve poured yourself too much.

    Have more questions for their health journalists? Ask Well.


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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