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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Santa Clara University's Center for Professional Development is committed to providing their students with an exceptional level of support, and they understand that passing certification exams is a crucial step in the path to becoming a teacher. That’s why we’re pleased to partner with Teachers Test Prep, the nationwide leader in credentialing test preparation, to provide their eligible students with Core Plus Online Prep for the Praxis, CSET, CBEST, RICA, and CPACE, at a 40% discount off of the regular test prep materials price.

To get started, please contact cpd@scu.edu to request that an account be created on your behalf, so that you may utilize free practice exams and diagnostics to determine if you are in need of prep. Once you complete your free practice test, you will receive an instant diagnostic breakdown. If your likelihood of passing is borderline or below, they will purchase the corresponding online prep program for you at a discounted price.

PLEASE NOTE: If you do not contact us and instead purchase prep directly on your own, they are unable to reimburse for costs.

To learn more about the prep resources available and to see general info about the exams, visit the Praxis, CSET, CBEST, RICA, and CPACE test info pages on the Teachers Test Prep website.

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<p><b>Jack Westin Price: $950<br /> Boston College Discounted Rate: $800</b><br /> </p> <ul><li>Instant and Lifetime Access</li><li>Fully Comprehensive Course for all 3 Science Sections</li><li>Both Content and Strategy</li><li>Self-Paced</li><li>Adaptive Study Schedule</li><li>AAMC Curriculum</li><li>6&#43; Hours of Live Session/Week</li><li>Proprietary CARS Strategies</li><li>9000&#43; Question Qbank Included</li><li>Multiple Installment Options Available<br /> </li></ul> <ul></ul> <ul></ul> <ul></ul> <ul></ul> <ul></ul>

<p>Boston College has partnered with <b>Jack Westin®</b> to offer online prep courses for the MCAT® at a Discounted Rate.<br /> <b>Save $150 off of the <a href="https://jackwestin.com/courses/mcat-sciences-strategy-and-content-course">Sciences </a></b><a href="https://jackwestin.com/courses/mcat-sciences-strategy-and-content-course" style=" font-weight: bolder; background-color: rgb(255,255,255); ">Strategy</a><b><a href="https://jackwestin.com/courses/mcat-sciences-strategy-and-content-course"> &amp; Content Course</a>.</b></p> <p>Jack Westin Price: $950<br /> Boston College Discounted Rate: $800<br /> </p>

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<p><b>Jack Westin Price: $950<br /> Boston College Discounted Rate: $800</b><br /> </p> <ul><li>Instant and Lifetime Access</li><li>Self-Paced</li><li>Adaptive Study Schedule</li><li>AAMC Curriculum</li><li>6&#43; Hours of Live Session/Week</li><li>Proprietary CARS Strategies</li><li>9000&#43; Question Qbank Included</li><li>Multiple Installment Options Available</li></ul> <ul></ul> <ul></ul> <ul></ul> <ul></ul> <ul></ul> <ul></ul>

<p>Boston College has partnered with <b>Jack Westin®</b> to offer online prep courses for the MCAT® at a Discounted Rate.<br /> <b>Save $150 off of the <a href="https://jackwestin.com/courses/mcat-cars-course">CARS Strategy Course</a>.</b></p> <p>Jack Westin Price: $950<br /> Boston College Discounted Rate: $800<br /> </p>

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JACK WESTIN: Complete MCAT Course (Self-Paced)

<p><b>Jack Westin Price: $1450<br /> Boston College Discounted Rate: $1150</b></p> <ul><li>Instant and Lifetime Access</li><li>Fully Comprehensive Course</li><li>Self-Paced</li><li>Adaptive Study Schedule</li><li>AAMC Curriculum</li><li>14&#43; Hours of Live Sessions/Office Hours per Week</li><li>Proprietary CARS Strategies</li><li>9000&#43; Question Qbank Included</li><li>Multiple Installment Options Available</li></ul>

<p>Boston College has partnered with <b>Jack Westin® </b>to offer online prep courses for the MCAT® at a Discounted Rate.<br /> <b>Save $300 off of the <a href="https://jackwestin.com/courses/complete-mcat-course">Complete MCAT Course (Self Paced)</a>.</b></p> <p>Jack Westin Price: $1450<br /> Boston College Discounted Rate: $1150<br /> </p>

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JACK WESTIN: MCAT Live Online Course

<p><b>Jack Westin Price: $1995<br /> Boston College Discounted Rate: $1495<br /> </b></p> <ul><li>Instant and Lifetime Access</li><li>Fully Comprehensive Course</li><li>Adaptive Study Schedule</li><li>AAMC Curriculum</li><li>14&#43; Hours of Live Session/Week</li><li>48 Hours of Live Online Classroom Instruction</li><li>Cohort Exclusive Live Sessions</li><li>Proprietary CARS Strategies</li><li>9000&#43; Question Qbank Included</li><li>Multiple Installment Options Available</li></ul>

<p>Boston College has partnered with <b>Jack Westin®</b> to offer online prep courses for the MCAT® at a Discounted Rate.<br /> <b>Save $500 off of the <a href="https://jackwestin.com/courses/mcat-live-online">Live Online Course.</a></b></p> <p>Jack Westin Price: $1995<br /> Boston College Discounted Rate: $1495<br /> </p>

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KAPLAN NCLEX: Live Online

<div><b>An interactive, structured classroom experience. Access to online resources lasts for 3 months after your scheduled Live Online Class ends.</b><br /> </div> <p><b>Kaplan Price: $525<br /> Boston College Discounted Rate: $449</b></p> <p><b>ALL COURSES INCLUDE:</b></p> <ul><li>Kaplan’s Decision Tree method, which teaches clinical reasoning skills</li><li>Content video library with more than 300 essential topics</li><li>Over 3800 Practice and Test questions with detailed answers and explanations</li><li>NCLEX-RN® Content Review Guide eBook• Qbank of 2,200 questions with detailed explanations</li><li>3 Computer Adaptive Tests &amp; 10 Practice Tests</li><li>Access to the NCLEX Channel with live and on-demand videos<br /> </li></ul> <p><b>Please Note:</b> By registering with the discounted pricing for the Kaplan &#34;Guaranteed&#34; courses a refund is not available. Kaplan will extend the access to the course portal and materials.<br /> </p>

<p>Boston College has partnered with <b>Kaplan®</b> to offer online prep courses for the NCLEX® at a Discounted Rate. Save $76 of the <b><a href="https://www.kaptest.com/nclex/courses/nclex-rn-live-online">NCLEX-RN Prep- Live Online</a>.</b></p> <p>Kaplan Price: $525<br /> Boston College Discounted Rate: $449<br /> </p>

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KAPLAN NCLEX: Self-Paced

<div><b>Cover your bases with content-focused, flexible NCLEX-RN review lessons that build proven strategies. Join recorded classes in any order, at any time—with access for 6 months.</b></div> <div><b>&nbsp;</b></div> <div><b>Kaplan Price: $425<br> Boston College Discounted Rate: $379</b><br> </div> <p><b>ALL COURSES INCLUDE:</b></p> <ul> <li>Kaplan’s Decision Tree method, which teaches clinical reasoning skills</li> <li>Content video library with more than 300 essential topics</li> <li>Over 3800 Practice and Test questions with detailed answers and explanations</li> <li>NCLEX-RN® Content Review Guide eBook• Qbank of 2,200 questions with detailed explanations</li> <li>3 Computer Adaptive Tests &amp; 10 Practice Tests</li> <li>Access to the NCLEX Channel with live and on-demand videos<br> </li> </ul> <p><b>Please Note:</b> By registering with the discounted pricing for the Kaplan &quot;Guaranteed&quot; courses a refund is not available. Kaplan will extend the access to the course portal and materials.<br> </p>

<p>Boston College has partnered with Kaplan® to offer online prep courses for the NCLEX® at a Discounted Rate. Save $46 of the <b><a href="https://www.kaptest.com/nclex/courses/nclex-rn-self-paced">NCLEX-RN Prep- Self-Paced</a>.</b></p> <p>Kaplan Price: $425<br /> Boston College Discounted Rate: $379<br /> </p>

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PRINCETON DAT: Dental Admission Test: DAT 20+

<div>&nbsp;</div> <h4>Princeton Price: $1999<br> Boston College Discounted Rate: $1299</h4> <h4>Benefits &amp; Features</h4> <ul> <li>DAT 20+ score, guaranteed*</li> </ul> <ul> <li>55 hours of live instruction</li> </ul> <ul> <li>4 computer-based practice tests</li> </ul> <ul> <li>4,600+ DAT exam-style practice questions</li> </ul> <ul> <li>Supplemental Chemistry videos</li> </ul> <h4>DAT 20+ Materials</h4> <ul> <li>Cracking the DAT Textbook: 880+ pages covering all aspects of the exam</li> <li>DAT Workbooks: 500+ pages of practice</li> <li>Supplemental Organic Chemistry and General Chemistry video lessons</li> <li>In-Class Compendium: 180+ pages of drills</li> <li>3-D Practice kit for Perceptual Ability Test<br> </li> <li>Full-color tear-out reference guide for quick review*&nbsp;Click here&nbsp;to see full details on how the certain works.</li> </ul>

<p>Boston College has partnered with The Princeton Review® to offer online prep courses for the DAT® at a Discounted Rate. Save $700 of the <b><a href="https://www.princetonreview.com/medical/dat-honors-course?ceid&#61;nav-gd">DAT 20&#43; Course</a>.</b></p> <p>Princeton Price: $1999<br /> Boston College Discounted Rate: $1299<br /> </p>

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PRINCETON GMAT: Graduate Management Admission Test

<h4>Princeton Price: $1399<br> Boston College Discounted Rate: $1099</h4> <h4>Instruction</h4> <ul> <li>27 hours of live lessons from expert instructors</li> <li>Online lessons recordings you can review at any time</li> </ul> <h4>Practice materials</h4> <ul> <li>10 computer-adaptive practice exams with detailed onlineexplanations</li> <li>Technology that simulates the GMAT better than any othercompany<br> </li> </ul> <h4>Additional Resources</h4> <ul> <li>Maximize your score with a custom online lesson plan</li> <li>GMAT Explanation Sessions and Office Hours for additional Live Online time with expert instructors<br> </li> </ul> <p>&nbsp;</p>

<p>Boston College has partnered with The Princeton Review to offer GMAT Test Prep at a discounted rate. Save $300 on the <b><a href="https://www.princetonreview.com/business/gmat-fundamentals-course?ceid&#61;nav-gd">GMAT Fundamentals Live Online Course</a></b>.</p> <p>Princeton Price: $1399<br /> Boston College Discounted Rate: $1099</p>

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PRINCETON GRE: Graduate Record Exam

<h4>Princeton Price: $1199<br> Boston College Discounted Rate: $899</h4> <h4 style="color: rgb(75,75,75); font-size: 14.0px; font-style: normal; letter-spacing: normal; orphans: 2; text-align: left; text-indent: 0.0px; text-transform: none; widows: 2; word-spacing: 0.0px;">Instruction</h4> <ul> <li><h4><span style="font-weight: 400;">24 hours of expert-led live instruction covering all content and test-taking strategies</span><br> </h4> </li> <li>180+ hours of total instruction and practice</li> </ul> <h4>Drill Smart Technology</h4> <p>Maximize your score by focusing your prep on the areas where you can Excellerate and gain points, rather than on areas where you are already scoring well.</p> <h4>Practice materials</h4> <ul> <li>8 computer adaptive-by-section practice exams</li> <li>Interactive score reports for focused test review</li> </ul> <h4>Additional Features</h4> <ul> <li>470+ online drills</li> <li>3500+ practice questions</li> <li>Hours of instructional on-demand lessons</li> </ul>

<p>Boston College has partnered with The Princeton Review to offer GRE Test Prep at a discounted rate. Save $300 on the <b><a href="https://www.princetonreview.com/grad/gre-fundamentals-course?ceid&#61;nav-gd">GRE Fundamentals Live Online Course</a></b>.</p> <p>Princeton Price: $1199<br /> Boston College Discounted Rate: $899</p> <p>This course is conducted Live and Online.</p>

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PRINCETON LSAT: Law School Admission Test - 165 Live Online Guarantee

<p><b>Princeton Price: $2099<br> Boston College Discounted Rate: $1599</b></p> <p>Please Note: By registering with the discounted pricing for the Princeton &quot;Guaranteed&quot; courses a refund is not available. Princeton will extend the access to the course portal and materials.<br> </p> <ul> <li>84 hours of instruction</li> </ul> <ul> <li>165 LSAT score guaranteed*</li> </ul> <ul> <li>150 hours of online drills and explanations</li> </ul> <ul> <li>Access to 70+ full Official LSAT PrepTests SM</li> </ul> <ul> <li>Official LSAT Content - LSAT Prep Plus SM (Valued at $99) new</li> </ul> <ul> <li>Fully updated content for the Digital LSAT<br> <br> <a href="https://www.princetonreview.com/legal/guarantee-better-scores?ceid=lsat165-info">*158+ starting score required to be eligible for the certain of a 165+ score.&nbsp;Click here&nbsp;for full details.</a><br> </li> </ul>

<p>Boston College has partnered with The Princeton Review to offer LSAT Test Prep at a discounted rate. Save $600 on the <a href="https://www.princetonreview.com/grad/lsat-honors-course?ceid&#61;nav-gd"><b>LSAT 165 live online certain Course</b></a><span style=" background-color: transparent; ">.</span><br /> </p> <p>Princeton Price: $2099<br /> Boston College Discounted Rate: $1599<br /> </p>

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PRINCETON LSAT: Law School Admission Test - Fundamentals LiveOnline

<h4>Princeton Price: $1099<br> Boston College Discounted Rate: $799</h4> <h4>Instruction</h4> <ul> <li>30 hours of in-class prep with an expert instructor</li> <li>Online lessons to help reinforce your in-class prep<br> </li> </ul> <h4>Practice Tests</h4> <ul> <li>Access to 70+ full Official LSAT PrepTests<sup>SM</sup></li> <li>Online score reports with detailed explanations<br> </li> </ul> <h4>Additional Resources</h4> <ul> <li>&nbsp;150+ hours of additional videos and online content<br> </li> </ul>

<p>Boston College has partnered with The Princeton Review to offer LSAT Test Prep at a discounted rate. Save $240 on the <b><a href="https://www.princetonreview.com/law/lsat-fundamentals-course?ceid&#61;tersh-nav-honors-course">LSAT Fundamentals Live Online Course</a></b>.</p> <p>Princeton Price: $1099<br /> Boston College Discounted Rate: $799</p>

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PRINCETON MCAT: BC Pre-Med Online Course

<div>Classes are online and live. Once your registration is processed you will receive communications from Princeton Test Prep with materials and online access.</div> <ul><li>Biology (6 classes. 18 hours)</li><li>General Chemistry (3 classes, 9 hours)</li><li>Organic Chemistry (2 classes, 6 hours)</li><li>Physics (3 classes, 9 hours)</li><li>Psych/Soc (4 classes 12 hours)</li><li>CARS (4 classes, 12 hours)</li></ul>

<p>Boston College has partnered with The Princeton Review® to offer online prep courses for the MCAT® at a Discounted Rate. </p> <p><b>2023-24 Dates TBD</b></p>

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PRINCETON MCAT: MCAT 515+ Course

<div><b>Princeton Price: $3499<br> Boston College Discounted Rate: $2725</b></div> <div>&nbsp;</div> <div>Classes are online and live. Your registration will take up to 2 weeks to process and you will receive communications from Princeton with materials and online access.</div> <div>&nbsp;</div> <div><b>Please Note: By registering with the discounted pricing for the Princeton &quot;Guaranteed&quot; courses a refund is not available. Princeton will extend the access to the course portal and materials.</b></div> <div>&nbsp;</div>

<p>Boston College has partnered with The Princeton Review® to offer online prep courses for the MCAT® at a Discounted Rate. Save $900 of the <b><a href="https://www.princetonreview.com/medical/mcat-guarantee?ceid&#61;nav-gd">MCAT 515&#43; Course</a> </b>Live Online.</p> <p>Princeton Price: $3499<br /> Boston College Discounted Rate: $2725<br /> </p>

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PRINCETON MCAT: Ultimate

<div><b>Princeton Price: $2899<br /> Boston College Discounted Rate: $2199</b></div> <div> </div> <div>Classes are online and live. Your registration will take up to 2 weeks to process and you will receive communications from Princeton with materials and online access.</div> <div> </div> <div> </div>

<p>Boston College has partnered with The Princeton Review® to offer online prep courses for the MCAT® at a Discounted Rate. Save $900 of the <a href="https://www.princetonreview.com/medical/mcat-ultimate?ceid&#61;nav-gd"><b>MCAT Ultimate Course Live Online</b></a>.</p> <p>Princeton Price: $2899<br /> Boston College Discounted Rate: $2199<br /> </p>

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Test Prep Services

Test Preparation Courses are offered at Clarkson University for the GRE© (Graduate Record Exam).

The preparation courses are eight weeks in length and are offered during the summer. Classes meet two times per week. The courses are divided into two sections: Verbal (which includes analytical writing) and Math. You may enroll in the components separately, or if you feel you can benefit from a review in both areas, then please register for both the verbal and math review components. Class size is limited to ensure individual needs can be addressed.  For more information about dates, times, fees and how to register for the GRE© Prep Course, please contact Testing Services.

Graduate Record test (GRE©)

The GRE© is taken by prospective graduate students who plan to apply for admission in a graduate level program of study. GRE© test scores are used by colleges and universities throughout the country as an indicator of general verbal, mathematical, and analytical writing ability. The GRE© score is viewed by admissions officers as a significant predictor of performance in graduate programs.

The eight-week GRE© Prep Course is offered during the summer. The majority of class time is devoted to examining each area of the GRE© in depth, exploring the rationale behind correct answers, and understanding the underlying principles that apply to related questions. Their instructors are professional college level math and English teachers who are dedicated to helping you achieve the best score possible. All courses begin with a diagnostic test, which will help the instructor evaluate each student's strengths and weaknesses. Class size is limited to ensure individual needs can be addressed. 

Testing Dates and Times at Clarkson University

Clarkson University is also a testing site for FE, GMAT, GRE©, NYSTCE, TOEFL© and other widely-used admissions, certification, licensure, and professional exams. These exams are administered on campus in their testing center located in BH Snell Hall, Room B10A.

Learn More about Upcoming Testing Dates and Times

Contact Us

Testing Services: Kimberly JukicB10A Bertrand H. Snell HallPhone: 315-268-3998testprep@clarkson.edu


 


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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