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 NAME: HDI Qualified Customer Support Specialist

This certification verifies that customer service professionals are knowledgeable in the skills and techniques required to provide exceptional customer service and support in both support center and call center environments. It ensures they understand how to assess customer needs while exceeding their expectations.

Frontline customer service representatives interact with your customers every day. Do they have the skills to create first-rate customer experiences=> This skills-building and certification course introduces the skills and techniques required to provide outstanding customer service and support.

HDI Customer Service Representative (HDI-CSR) training focuses on call handling best practices, communication and listening techniques, documentation, problem-solving, and troubleshooting skills, conflict negotiation, and responses to difficult customer behaviors.

Unit 1: Your Role in Service and Support
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25 Best Fiction Books of 2023 (So Far)

25 Best Fiction Books of 2023 (So Far) — The Best New Book Releases Skip to main content Must-read new fiction books for 2023

We all have a few tried-and-true fiction faves, but there’s something special about cracking the spine on a brand-new, hot-off-the-press novel. Whether it’s your favorite author’s new release or a new writer’s debut, great fiction books make the perfect escape from ordinary life.

That’s why we’ve rounded up a list of the best new book releases (or soon-to-be releases) in 2023. This handpicked selection spans the gamut of book genres and includes book recommendations from Reader’s Digest editors. The list also includes highly anticipated releases from previous award-winning authors and a few debuts from new authors who have generated buzz among critics and early readers. So are you craving mystery books? Romance? Thrillers? No matter which you prefer, there are new books to read—and who knows, by next year, some might be on your list of the best books of all time.

Join the free Reader’s Digest Book Club for great reads, monthly discussions, author Q&As and a community of book lovers.

1. Age of Vice by Deepti Kapoor

Release date: Jan. 3, 2023

Deepti Kapoor’s latest action-packed novel unfolds like a bingeworthy Netflix show. This thriller begins when a wealthy Indian man’s car swerves off the road in New Delhi, killing five innocent bystanders. But when the dust settles, the rich man is nowhere to be found. How and to where did he disappear, and what will become of the lowly staff member left at the scene? With a rollicking plot that will whisk you from old-money mansions to humble homes in small agricultural villages, Age of Vice will take you on an unforgettable ride through modern India. Find out what your famous book characters would look like in real life.

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2. City Under One Roof by Iris Yamashita

Release date: Jan. 10, 2023

This might be Iris Yamashita’s debut novel, but the author is no stranger to tightly woven plots and compelling characters: Yamashita is the Oscar-nominated screenwriter of Clint Eastwood’s Letters from Iwo Jima. In City Under One Roof, she presents a crime story—the first of what will be a two-book mystery series—set in a small, claustrophobic Alaska town. Detective Cara Kennedy has been sent to investigate the origins of severed limbs found washed up on an icy shore. But soon after arriving in Point Mettier, Cara gets snowed in with the 205 townsfolk living in the same apartment building. Who is hiding the key to the crime? And is there anyone she can truly trust?

The gripping story, quirky characters and twisty plot are just a few of the reasons they picked City Under One Roof as their February Reader’s Digest Book Club selection.

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3. The World and All That It Holds by Aleksandar Hemon

Release date: Jan. 24, 2023

If you love an unflinching historical fiction novel, you’ll love Bosnian American author Aleksandar Hemon’s The World and All That It Holds. This love story between two soldiers in the brutal trenches of World War I is one of the best LGBTQ books you’ll read this year. Rafael Pinto is built for poetry, not warfare. His compatriot, Osman, is fiercely protective. Religious and background differences melt away as the two fight for their lives. Hemon traces their relationship across time and continents with lyrical descriptions and philosophical musings.

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4. Maame by Jessica George

Release date: Jan. 31, 2023

Maame is a refreshing, irresistible 2023 debut from Jessica George. The story of twentysomething Maddie’s fresh start at adulthood is shot through with themes of family, race and discrimination, womanhood and the immigrant reality of feeling torn between cultures. Maddie is a vibrant protagonist who feels stuck. Her job is a slog. Her mother is far away in Ghana—yet somehow still intimately critical. And her dad has Parkinson’s disease and needs Maddie’s daily help. So when her mother returns to London for a year, Maddie leaps at the chance to rent a new place and live like her friends and colleagues. Only sometimes stepping outside the constraints of home feels a lot like getting lost.

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5. Essex Dogs by Dan Jones

Release date: Feb. 7, 2023

History buffs might already be familiar with Dan Jones’s nonfiction. This year, the author of Powers and Thrones and Crusaders tries his hand at fiction books with a deeply researched novel that takes place during the Hundred Years’ War. Set to be the first in a trilogy, Essex Dogs follows 10 medieval warriors heading deep into the battles and politics of mapping 14th- and 15th-century Europe.

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Looking for your next great book? Read four of today’s bestselling novels in the time it takes to read one with Reader’s Digest Select Editions. And be sure to follow the Select Editions page on Facebook!

6. What Happened to Ruthy Ramirez by Claire Jiménez

Release date: March 7, 2023

When Ruthy Ramirez was 13, she disappeared. The red-headed Puerto Rican girl with a beauty mark under her left eye went to track practice and never returned. The Ramirez family hasn’t been the same since. Fast-forward 12 years to 2008, when the two remaining Ramirez sisters sit down to veg out in front of a trashy reality-TV show. They can’t help but notice that one of the contestants looks an awful lot like an older version of their long-lost sister—beauty mark and all. Part mystery, part family drama, What Happened to Ruthy Ramirez is a wonderful exploration of family bonds. If you’re trying to read more books this year, What Happened to Ruthy Ramirez is a good place to start—the humor, heart and compelling mystery will propel you right along.

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7. A Death at the Party by Amy Stuart

Release date: March 7, 2023

Amy Stuart’s domestic whodunit A Death at the Party is like a contemporary Agatha Christie novel with a sprinkle of White Lotus. Nadine is throwing a neighborhood garden party when she discovers a body in the basement. Got that? Now quickly rewind to the beginning of the day, before the killing, and try to guess both murderer and victim as the plot unfolds. The entire book takes place in a day, which makes this a deliciously taut, fast-paced thriller.

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8. The God of Endings by Jacqueline Holland

Release date: March 7, 2023

This atmospheric debut novel from Jacqueline Holland is poised to make a mark on the dark fantasy genre. Collette LeSange is reluctantly immortal. Hundreds of years ago, her life was saved by a grandfather figure who granted her everlasting life—but with a catch. Collette is now a vampire, and keeping the world safe from her growing hunger has made her sad and lonely. Advance readers have compared The God of Endings to the New York Times bestseller The Invisible Life of Addie LaRue by V.E. Schwab, but why not pick up a copy of this vampire novel and draw your own conclusions?

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9. Now You See Us by Balli Kaur Jaswal

Release date: March 7, 2023

If you loved studying a housekeeper’s perspective in The Maid, Nina Prose’s cozy mystery, pick up a copy of Balli Kaur Jaswal’s Now You See Us. Corazon, Donita and Angel are Filipina domestic workers in Singapore. They are housekeepers and caregivers—the invisible women who witness the comings and goings of the filthy rich. When the three get wind that another domestic worker has been charged with murdering her employer, they commit to solving the crime and unmasking the genuine perpetrator.

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10. Dust Child by Nguyễn Phan Quế Mai

Release date: March 14, 2023

What happens in wartime doesn’t always stay in wartime. That’s the case in Nguyễn Phan Quế Mai’s Dust Child. Take Phong, for instance. He had as much say as a speck of dust in his conception—the coming together of a Black American soldier and Vietnamese woman in the late 1960s. And then there’s Linda. She knew when she married Dan that he was a military veteran with PTSD from his combat years, but he never divulged all that happened. And then there are Trang and Quỳnh, two young women who became “bar girls” for the GIs, showing their pretty, friendly faces (and more) for money. When Linda and Dan plan a trip to Việt Nam, past and present come together in unexpected ways. If you loved Yaa Gyasi’s Homegoing, you’re going to want to carve out uninterrupted studying time for this historical fiction title.

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11. The Mostly True Story of Tanner & Louise by Colleen Oakley

Release date: March 28, 2023

A 21-year-old gamer named Tanner who is, admittedly, in a bit of a slump. An 83-year-old woman named Louise who doesn’t need a caregiver, thank you very much. Thrown together as employee and employer by the octogenarian’s daughter, this unlikely pair can make it through their days just fine on opposite sides of the room. But then Tanner sees a news story about a past jewelry heist with a suspect who looks an awful lot like Louise. Next thing she knows, Louise is suggesting a middle-of-the-night road trip to California. Let the comedic getaway begin! Fans of Thelma and Louise, prepare yourselves. The Mostly True Story of Tanner & Louise is the twist on the classic flick you didn’t know you needed.

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12. Homecoming by Kate Morton

Release date: April 4, 2023

Remember The Clockmaker’s Daughter? The Lake House? How about The Secret Keeper? Yes, those. To date, all Kate Morton’s fiction books have been bestsellers. Like The Lake House, Homecoming builds a plot and characters centered around a crime. On Dec. 24, 1959, a brutal crime occurred at the Turners’ house. The mystery was never solved. Almost 60 years later, when journalist Jess Turner-Bridges returns to the house to visit her fragile grandmother, she starts making connections she’d never made before. Has the key to the crime been there all along?

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13. Symphony of Secrets by Brendan Slocumb

Release date: April 18, 2023

The author of The Violin Conspiracy (one of their favorite fiction books of 2022) is at it again! This time, Brendan Slocumb’s self-described musical thriller centers on a music-history expert named Bern Hendricks, who has uncovered a terrible secret: a renowned 20th-century American composer didn’t compose his own music. The compositions were stolen from a neurodivergent Black composer named Josephine Reed. The news will shock the music establishment, but that doesn’t stop Bern from doing everything he can to uncover the truth and right an old wrong.

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14. Silver Alert by Lee Smith

Release date: April 18, 2023

With themes of living life to the fullest and second chances, Lee Smith’s Silver Alert would make a perfect 2023 beach read. It’s a road-trip novel set in the Florida Keys, after all! Octogenarian Herb isn’t ready to grow old. But his wife has succumbed to dementia, and his adult children have arrived at his doorstep to tell him it’s time to move into a senior care facility. So Herb does what anyone in his place would do: He suggests a penultimate joyride with his wife’s manicurist for company. Readers are lucky to be invited along as an unlikely friendship forms and the two open up about their fears—his for the future, hers about the past.

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15. Only Love Can Hurt Like This by Paige Toon

Release date: April 25, 2023

If you prefer fiction books with a heaping helping of romance (or love anything from Colleen Hoover or Laura Jane Williams), Only Love Can Hurt Like This belongs on your must-read list. After finding out her fiancé is cheating on her, Wren wants to get out of the U.K. So she heads to the United States to spend a few months in Indiana with her dad and stepmom. There, surrounded by cornfields, she meets a man named Anders, and the two have an instant connection. It would be the perfect summer love story if it weren’t for Anders’s secrets.

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16. Paper Names by Susie Luo

Release date: May 2, 2023

Susie Luo’s debut novel, Paper Names, explores what it means to grow up in a family straddling two countries—in this case, China and the United States. It’s the story of Tony, a Chinese man who moved to America for a better life. It’s also the story of his Chinese American daughter, Tammy, who grapples with meeting her dad’s expectations while also following her dreams. Then there’s Oliver, a wealthy white neighbor who, at first glance, seems to have nothing in common with them. But their lives are about to collide in a way that changes them forever. If you love this one, pick up even more must-read books by Asian American authors.

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17. The Collected Regrets of Clover by Mikki Brammer

Release date: May 9, 2023

Death doula Clover Brooks spends her days helping the dying come to terms with their lives and doing her best to grant last wishes. The trouble is that Clover is better at giving others a fulfilling death than giving herself a fulfilling life. Outside her working hours, she’s lonely, anxious and socially awkward. When one elderly woman’s last wish sends Clover on the hunt for an old flame from the woman’s youth, Clover must face her fears and ask, “Am I brave enough to live a life with no regrets?” For all its talk of death, The Collected Regrets of Clover is never dark or grim. The feel-good story is beautiful, heartwarming and ultimately hopeful.

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18. Yellowface by R.F. Kuang

Release date: May 16, 2023

Fair warning: Yellowface is bound to be polarizing. R.F. Kuang—you might recognize her name from the Poppy War fantasy book series—has written it to raise hackles. This self-aware dark satire tackles current issues like cultural appropriation, the lack of diversity in publishing and structural racism. The plot centers on a bestselling author named Juniper Song. The trouble is that Juniper isn’t really Juniper. Her name is June, and her novel is a stolen manuscript from a deceased Asian American classmate. But June’s deception goes deeper. To sell the story, she professed to be an Asian American author. How many layers of lies will she tell to save face?

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19. The Second Ending by Michelle Hoffman

Release date: May 30, 2023

If you love music, you’ll enjoy Michelle Hoffman’s The Second Ending. And if you don’t have a musical bone in your body? You’ll still get swept up in a story that stresses it’s never too late for a second chance. At first glance, Prudence Childs and Alexei Petrov have nothing in common. She was a child prodigy who is now squandering her talent on commercial jingles. He is a trending internet sensation with no life or friends outside the cutthroat classical music industry. Both get a second go at a better life when they’re pitted against each other on a dueling-piano reality-TV show.

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20. The Wishing Game by Meg Shaffer

Release date: May 30, 2023

Our list of must-read fiction books wouldn’t be complete without a novel that reminds readers of the power books hold between their pages. Meg Shaffer’s The Wishing Game may not contain any magic—this is a whimsical tale, but it’s grounded in reality—yet there’s something magical about the book. With a story reminiscent of Charlie and the Chocolate Factory and as puzzle-filled as The Westing Game, it’s an entertaining escape. In it, a reclusive children’s book author invites four true fans to his private island to compete for a chance to secure the only copy of his new manuscript. Lucy Hart, a teacher’s aide who remembers how the books brought her joy and comfort as a child, is delighted to receive an invitation. Of course, she and the others have no idea what games and plot twists the author has waiting for her on Clock Island.

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21. Same Time Next Summer by Annabel Monaghan

Release date: June 6, 2023

We’re calling it: Same Time Next Summer might be the ultimate summer read of 2023. No one ever forgets her first love. Sam remembers the magic of high school summers on the beach with Wyatt. The way he made her heart and stomach flutter. The stolen kisses and treehouse rendezvous. These days, Sam is older, wiser and over him, with the buttoned-up personality to prove it. Or so she thinks. But when Sam takes her fiancé, Jack, to the old beach house to check out nearby wedding venues, a chance encounter with Wyatt sends her mind and heart into a tailspin.

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22. Banyan Moon by Thao Thai

Release date: June 27, 2023

Thao Thai’s debut novel traces three generations of Vietnamese American women from wartime Vietnam to the swamps of Florida. Nguyễn Phan Quế Mai, author of The Mountains Sing and Dust Child (another of their favorite fiction books of 2023!), has called Banyan Moon “heart-shatteringly beautiful” and “a love letter to keepers of secrets, to motherhood, family and survival.” This powerful historical fiction novel is one of the most-anticipated books of the year.

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23. Crook Manifesto by Colson Whitehead

Release date: July 18, 2023

Pulitzer Prize–winning author Colson Whitehead whisks readers back to 1970s New York City in Crook Manifesto, the sequel to 2021’s bestselling Harlem Shuffle. Between the seedy politicians, Hollywood debutantes and powerful mobsters, Harlem is teeming with all walks and seasons of life. Ray Carney is a man caught in the fray. As the story by one of today’s greatest Black authors moves through the ’70s, Ray swerves between being a criminal and a hero, all while staying dedicated to what matters most: keeping his business open and his family close.

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24. Everyone Here Is Lying by Shari Lapena

Release date: July 25, 2023

Say hello to another twisty domestic thriller from Shari Lapena, author of The Couple Next Door. The tight-knit neighbors of Stanhope all say it’s a wonderful town, the ideal place to raise a family. Of course, no one is perfect, and, well, everyone here is lying. One of the liars? William Wooler, whose tempestuous affair ends the same day his 9-year-old daughter goes missing. You’ll be clinging to every page as neighbors step forward to share what they know, all while harboring their own dark secrets.

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25. Gone Tonight by Sarah Pekkanen

Release date: Aug. 1, 2023

How far would you go to keep a loved one safe from potential danger? Would you lie to her? Would you undermine her blossoming friendships? Would you control every detail of her life so she’d never have to know the pain you’ve known? Sarah Pekkanen’s startling, breathtaking tale of a mother and daughter will plunge you into a plot layered by lies and trauma but still infused with love. Through deft writing and thoughtful character development, she’s created a fast-paced thriller in Gone Tonight, daring to ask deep questions about love versus fear, and control versus protection.

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Originally Published: March 07, 2022


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Children’s Books

Finding Her Voice Was Just a Rowboat Journey Away

Harakka Island, a creative community off the coast of Helsinki, Finland, helped the illustrator Marika Maijala come into her own as an artist. “I don’t know where my art ends and my life begins. The border is fleeting.”

 By Johanna Lemola and


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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