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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HP HPE2-T37 : Using HPE OneView exam Dumps

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Exam Number : HPE2-T37
Exam Name : Using HPE OneView
Vendor Name : HP
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HPE2-T37 exam Format | HPE2-T37 Course Contents | HPE2-T37 Course Outline | HPE2-T37 exam Syllabus | HPE2-T37 exam Objectives

Exam Specification: HPE2-T37 Using HPE OneView

Exam Name: HPE2-T37 Using HPE OneView
Exam Code: HPE2-T37
Exam Duration: 1 hour and 30 minutes
Passing Score: Not specified
Exam Format: Multiple-choice and hands-on performance-based questions

Course Outline:

1. Introduction to HPE OneView
- Overview of HPE OneView features and benefits
- Understanding the architecture and components of HPE OneView
- Exploring the HPE OneView user interface and navigation

2. HPE OneView Installation and Configuration
- Preparing the infrastructure for HPE OneView deployment
- Installing and configuring HPE OneView
- Managing network connectivity and integration with existing systems

3. Server Hardware Management
- Adding and managing server hardware in HPE OneView
- Configuring server profiles and templates
- Monitoring and troubleshooting server health and performance

4. Storage and SAN Management
- Configuring and managing storage resources in HPE OneView
- Creating storage profiles and managing storage volumes
- Integrating HPE OneView with SAN fabrics

5. Networking Management
- Managing network resources and switches in HPE OneView
- Configuring networking profiles and templates
- Monitoring network health and performance

6. Resource and Power Management
- Managing physical and virtual resources in HPE OneView
- Allocating resources and optimizing resource utilization
- Monitoring and controlling power usage and efficiency

Exam Objectives:

1. Understand the features, benefits, and architecture of HPE OneView.
2. Install and configure HPE OneView for managing infrastructure.
3. Manage server hardware, including server profiles and templates.
4. Configure and manage storage resources and integrate with SAN fabrics.
5. Manage network resources and switches using HPE OneView.
6. Optimize resource allocation and monitor power usage with HPE OneView.

Exam Syllabus:

Section 1: Introduction to HPE OneView (10%)
- Overview of HPE OneView features and benefits
- Architecture and components of HPE OneView
- HPE OneView user interface and navigation

Section 2: HPE OneView Installation and Configuration (20%)
- Preparing infrastructure for HPE OneView deployment
- Installation and initial configuration of HPE OneView
- Network connectivity and integration with existing systems

Section 3: Server Hardware Management (25%)
- Adding and managing server hardware in HPE OneView
- Configuring server profiles and templates
- Monitoring and troubleshooting server health and performance

Section 4: Storage and SAN Management (20%)
- Configuring and managing storage resources in HPE OneView
- Creating storage profiles and managing storage volumes
- Integrating HPE OneView with SAN fabrics

Section 5: Networking Management (15%)
- Managing network resources and switches in HPE OneView
- Configuring networking profiles and templates
- Monitoring network health and performance

Section 6: Resource and Power Management (10%)
- Managing physical and virtual resources in HPE OneView
- Resource allocation and optimization
- Monitoring and controlling power usage and efficiency

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The best PDF editors for 2023

The PDF file format has great support for text and video, as well as an efficient file size, making it a great format for all kinds of documents and data. It’s also excelelnt for preserving the quality and formatting of a document.

Adobe Acrobat is perhaps the most well-known PDF editor, but there are other options to consider. Having access to a PDF editor opens the possibility of editing document texts, adding images, filling out forms, and converting your PDF files to other formats. A PDF editor is a useful tool if you work with this format regularly.

Our guide to the best PDF editors will help you choose the right editor for your needs.

Adobe Acrobat Pro DC The best PDF editor overall Adobe Acrobat Pro DC edit button. Adobe

Adobe first introduced the PDF format nearly 30 years ago, and Acrobat Pro DC is the current industry standard for editing PDF files. It’s a PDF editor that combines the hallmarks of the other programs on their list into a unified piece of software. It’s also one of the few premium programs available for both Windows and MacOS. Acrobat Pro DC boasts dedicated mobile functionality (with iOS and Android apps) and the ability to convert various file formats to PDF, including multiple web pages (HTML), Word documents, Excel spreadsheets, PowerPoint presentations, and even scans or image files like PNG or JPEG.

Simply put, you can’t do much better than the premium version of Adobe Acrobat Reader for editing your PDF files. It has an array of text-editing options, and can instantly convert and save scanned documents to PDF. It even has the ability to merge multiple PDF files. Adobe’s editing options also include reordering pages, page rotation, annotations, page cropping, page removals, and being able to split PDFs into separate files.

Get Adobe Acrobat Pro

Microsoft Word The most convenient PDF editor A blank document page in Microsoft Word on a blue desktop background. Image used with permission by copyright holder

If you use Microsoft Office, then you already have access to a versatile PDF document editor.

In the past, versions of Microsoft Word were limited to saving a document in or out of the PDF format, and that was about it. However, the more accurate 2013, 2016, 2019, 2021, and Microsoft 365 versions allow you to open a PDF and then make specific edits to the piece as a Word document. When finished, you can save it as a PDF again. This is especially useful because many people are already most comfortable editing documents in the Microsoft Word format.

It’s a simple tool, and formatting doesn’t always line up correctly based on the PDF, but it’s an excellent alternative if you need to dip into a PDF fast for a bit of basic editing or text changes. Plus, Word is a straightforward editing tool for employees and students who are already familiar with Word and don’t want to learn a new program.

While there are limited ways you can use Microsoft Word for free, it is generally software that you have to pay to use, either via a subscription or a hefty one-time payment.

Try Microsoft Word

PDF Architect 9 The most fully-featured PDF editor An opened document in PDF Architect. Image used with permission by copyright holder

German company Pdfforge has a unique purchase model for its PDF Architect program. It’s available as a free obtain or as part of three separate packages (Standard, Professional, and Pro+OCR). Each package includes a set of modules for the program, which dictate its editing power. The Standard package includes the Edit, Convert, and Page modules. Professional features all the modules from the Standard package and adds the Review/Comment, Secure, and Forms modules. Finally, Pro+OCR has everything from the Professional package and the OCR Advanced module. Full descriptions of each module can be found on the Pdfforge website.

Even the Pro+OCR package is available at a reasonable price, and the full suite of editing tools makes up one of the most complete, inclusive PDF editors out there. The latest version of PDF Architect is PDF Architect 9, and premium subscriptions to it include features such as editing text, the ability to convert PDFs into other file formats, support for comments/annotations, and password protection of your PDFs.

There is a (limited) free version of PDF Architect 8. It lets you convert Word, Excel, or PowerPoint documents into PDFs, rotate PDFs, or even merge PDFs and delete pages.

Get PDF Architect 9

Sejda PDF Editor The best online PDF editor A Sejda PDF editor web app screenshot showing the web app's various editing options and a Save button. Image used with permission by copyright holder

Sejda is a web app designed for speedy PDF editing, and it does that very well. It’s straightforward, focusing on fast PDF signatures and only basic text editing for the files you upload. But that’s also why they like it. This online, free PDF editor lets you do all sorts of things to PDFs, including changing font formatting, adding images, filling out forms, adding or editing hyperlinks, adding form fields, making annotations, and signing PDFs. You can even sign a PDF file with three options: Drawing your signature with your mouse, typing in your name, or uploading an image of your signature.

It provides explicit instructions, making it hard to mess anything up, and it’s quick. If your boss or co-worker doesn’t really understand how to use technology or have the patience to obtain new apps — but you still need their signature on a random PDF file — this is one of the best ways to e-sign a document.

If you’re looking for an easy online PDF editor, then give this one a shot. The free version does come with some limitations, however: You can only upload up to 200 pages or 50 Mb and you can only do three “tasks per hour.”

Get Sejda

PDFescape The best free PDF editor A PDFescape app interface screenshot showing a sticky note feature being added to a document. Image used with permission by copyright holder

PDFescape is a free web app, so it’s accessible through your favorite browser. There’s no lengthy installation process to slow down your work. Users can access the editor using any operating system, as long as they can connect to the internet. PDFescape’s service is compatible with Safari, Microsoft Edge, Chrome, Internet Explorer, Firefox, and Opera browsers.

You can just pull up a PDF document in the PDF viewer and start adding text and images and even white-out old content. There are handy features like zoom and rotate to see small or awkwardly angled text better, and you can use a flurry of standard tools, such as a form designer and several annotation features.

There’s also a desktop version with all of the same features as the free online version, plus desktop PDF editing, more editing features, the ability to print and scan to PDF, and you can publish PDF forms. Depending on which premium plan you select, the desktop version can cost $3 or $6 per month (when billed annually), but you can test them out with a free trial. Luckily, you won’t need an internet connection to use the premium desktop versions, and $3 to $6 a month isn’t too bad. Overall, it’s a functional, simple PDF editing tool. If you aren’t looking for anything too complicated, give it a try.

Get PDFescape

Foxit PDF Editor The best PDF editor for professionals The main menu screen of the Foxit PDF editor online free web app. screenshot

Foxit PDF Editor is a great premium option for businesses and professionals that need more editing tools. The first thing you need to know is that there are three kinds of editor products: PDF Editor Online, Foxit PDF Editor, and Foxit PDF Editor Pro. The Online version looks like it’s a free option, but it’s not — it requires you to sign up for an account, and you’ll only get a free trial, after which you’ll be prompted to sign up for a subscription. With the Online version, you can edit and add text and objects, insert and delete pages, convert from other file formats, and even password protect, sign, and redact parts of PDFs.

The standard PDF Editor version is available for Windows, MacOS, online, Android, and iOS, and it’s $79 per year. It comes with six feature sets: Edit, Review, Manage, Share, Protect, and Create. PDF Editor Pro is only available on Windows, costs $99 per year, and comes with everything in the standard version plus three more feature sets: Advanced Collaboration, Advanced Editing, and Advanced Security. Both of these options also offer free trials so you can test them out.

Get Foxit PDF Editor

PDF-XChange Editor Another great free PDF editor A PDF-XChange Editor desktop app screenshot from its developer showing a PDF document that features a photo of a woman. PDF-XChange Editor/Tracker Software

PDF-XChange Editor is a free PDF editor that comes with a laundry list of features. Some of these features include editing text, adding or listening to audio comments, annotations, adding custom stamps, adding or editing hyperlinks, and the ability to move, add, or edit bookmarks. You won’t, however, be able to edit scanned documents. PDF-XChange has support for Sharepoint, Google Drive, and Microsoft Office 365, which means you can access documents via those cloud services and convert them to or from a PDF as needed by using PDF-XChange Editor.

If you need more than what the free version offers, you’ll need to upgrade to purchasing a license. If you do so, you’ll gain access to features such as Bates numbering, deleting pages, moving pages, inserting blank pages, and header and footer support. It’s also worth noting that the free version will put a watermark on the documents you edit or create with that version. Licenses start at $46 for one user with one-year maintenance.

PDF-XChange Editor is only compatible with Windows devices.

Get PDF-XChange Editor

PDFelement Pro PDF Element editing PDF files. iSkySoft / iSkySoft

PDFelement Pro from iSkysoft is a PDF is a free and paid-for PDF editor with a range of impressive features. Of the paid versions, there are two main types: PDFelement and PDFelement Pro. The free version leaves any exported files with a watermark, and you’re restricted on the number of pages that can be saved or converter. That said, if you simply need to make and save edits on a PDF for just a few pages and you don’t mind a watermark, the free trial version could work for you.

If you don’t want the watermarked trial version, but you only need the software for just basic editing, you may want to consider purchasing the standard PDFelement software license that comes with the ability to do things like create and edit PDFs, convert them, add annotations and comments, reorder and delete pages, and password-protect your PDFs. This base subscription costs $80 for he year, with longer plants available at discount rates. The perpetual plan with unlimited use of PDF ELement forever, costs $130.

Wondershare PDFelement is available for both Windows and MacOS devices. The availability of certain software features will vary among these operating systems. Some features are only available in the Windows version.

Get PDFelement Pro

FAQ What should you look for in a PDF editor?

There are a few factors you should look for when choosing a PDF editor:

  • File format compatibility and support. Will it allow you to convert your document file into a PDF or vice versa? Which file formats does the PDF editor support and do they include the format of your particular document? This is particularly important for editing scanned documents.
  • Will the edited version of your document retain the same formatting as the original? Sometimes after editing a PDF via a third-party app or editor, you can lose the original formatting of your document, or the formatting will just look awkward and off. Make sure that the editor you choose is able to keep your newly edited document formatted the same.
  • Does it have a simple interface with a few features or complex one with lots of editing options and which do you prefer? This depends on your genuine needs. If you frequently edit PDFs and need access to lots of editing features, you may be better off using an app with lots of options, but a cluttered user interface. It may take longer for you to learn how to use it, but if you’re a frequent PDF editor, it may be worth it in the long run. If all you need is a quick edit here and there and don’t require complicated edits, you should opt for an editor that has a simple and easy to use interface, though you may sacrifice access to more detailed editing features.
  • Free or paid? Free editing apps tend to be best for those who don’t need to edit PDFs that often or don’t need access to a wide variety of editing options. Premium editing apps tend to be more worth it for those who regularly edit PDFs and need to do extensive and detailed editing. This is because paying a subscription or one-time fee will usually unlock more features or editing options that the free versions don’t have.
  • What are the benefits of using Microsoft Word to edit PDFs?

    There are lots of benefits to using Microsoft Word for editing PDFs:

  • You’re probably already familiar with the software. It’s likely that you’ve already used Microsoft Word before in school or at the office. So you won’t need to learn a new editing software and it’ll be easier for you to use.
  • It’s probably already on your computer. If you have a Microsoft 365 subscription, you already have Microsoft Word on your computer, which means you don’t need to obtain or pay for a new editing software.
  • You can easily convert it to a Word document for editing and then save it again as PDF. Later versions of Word will allow you to convert your PDFs into Word documents for easy editing. Then you can save your newly edited Word document as a PDF.
  • It’s ideal for quick editing or text changes. If all you need to do is change a few words or make other minor edits, Microsoft Word is a good option for those quick-and-dirty edits. If you need a PDF editor that can handle more complex edits or does a better job of maintaining your document’s original formatting, then you may want to look at other PDF editor options.
  • Want to learn more about editing PDF files? Here’s how to combine PDF files and how to convert a PDF into excel.

    Editors' Recommendations

    Hewlett Packard Enterprise Company (HPE) Stock: A Closer Look at the Market Potential

    The price-to-earnings ratio for Hewlett Packard Enterprise Company (NYSE: HPE) is above average at 22.80x, while the 36-month beta value is 1.26.Analysts have differing opinions on the stock, with 4 analysts rating it as a “buy,” 3 as “overweight,” 12 as “hold,” and 1 as “sell.”

    The average price point forecasted by analysts for Hewlett Packard Enterprise Company (HPE) is $17.51, which is -$0.26 below the current market price. The public float for HPE is 1.29B, and currently, short sellers hold a 2.27% ratio of that floaft. The average trading volume of HPE on August 15, 2023 was 13.40M shares.

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    HPE) stock’s latest price update

    Hewlett Packard Enterprise Company (NYSE: HPE)’s stock price has decreased by 0.00 compared to its previous closing price of 17.60. However, the company has seen a 0.28% increase in its stock price over the last five trading sessions. Barron’s reported on 05/31/23 that HP Enterprise Stock Slides as Revenue Comes in Light

    HPE’s Market Performance

    Hewlett Packard Enterprise Company (HPE) has seen a 0.28% rise in stock performance for the week, with a 4.33% gain in the past month and a 27.26% surge in the past quarter. The volatility ratio for the week is 2.73%, and the volatility levels for the past 30 days are at 2.29% for HPE. The simple moving average for the last 20 days is 1.01% for HPE stock, with a simple moving average of 11.84% for the last 200 days.

    Analysts’ Opinion of HPE

    Many brokerage firms have already submitted their reports for HPE stocks, with Citigroup repeating the rating for HPE by listing it as a “Neutral.” The predicted price for HPE in the upcoming period, according to Citigroup is $18 based on the research report published on June 30, 2023 of the current year 2023.

    HPE Trading at 4.37% from the 50-Day Moving Average

    After a stumble in the market that brought HPE to its low price for the period of the last 52 weeks, the company was unable to rebound, for now settling with -2.95% of loss for the given period.

    Volatility was left at 2.29%, however, over the last 30 days, the volatility rate increased by 2.73%, as shares surge +3.23% for the moving average over the last 20 days. Over the last 50 days, in opposition, the stock is trading +19.97% upper at present.

    During the last 5 trading sessions, HPE rose by +0.28%, which changed the moving average for the period of 200-days by +27.08% in comparison to the 20-day moving average, which settled at $17.45. In addition, Hewlett Packard Enterprise Company saw 10.28% in overturn over a single year, with a tendency to cut further gains.

    Insider Trading

    Reports are indicating that there were more than several insider trading activities at HPE starting from Cox Jeremy, who sale 21,131 shares at the price of $17.66 back on Jul 27. After this action, Cox Jeremy now owns 615 shares of Hewlett Packard Enterprise Company, valued at $373,173 using the latest closing price.

    Hotard Justin, the EVP, GM, HPC and AI of Hewlett Packard Enterprise Company, sale 10,227 shares at $17.00 during a trade that took place back on Jun 15, which means that Hotard Justin is holding 0 shares at $173,859 based on the most accurate closing price.

    Stock Fundamentals for HPE

    Current profitability levels for the company are sitting at:

  • +6.54 for the present operating margin
  • +31.40 for the gross margin
  • The net margin for Hewlett Packard Enterprise Company stands at +3.09. The total capital return value is set at 5.41, while invested capital returns managed to touch 2.92. Equity return is now at value 5.10, with 1.80 for asset returns.

    Based on Hewlett Packard Enterprise Company (HPE), the company’s capital structure generated 67.88 points at debt to equity in total, while total debt to capital is 40.43. Total debt to assets is 23.61, with long-term debt to equity ratio resting at 43.82. Finally, the long-term debt to capital ratio is 26.10.

    When they switch over and look at the enterprise to sales, they see a ratio of 1.07, with the company’s debt to enterprise value settled at 0.49. The receivables turnover for the company is 3.62 and the total asset turnover is 0.49. The liquidity ratio also appears to be rather interesting for investors as it stands at 0.88.


    In a nutshell, Hewlett Packard Enterprise Company (HPE) has experienced a better performance in accurate times. The stock has received mixed “buy” and “hold” ratings from analysts. It is worth mentioning that the stock is currently trading in close proximity to its 50-day moving average and its 52-week high.

    HPE vs. IBM: Which Stock Is the Better Value Option?

    Investors with an interest in Computer - Integrated Systems stocks have likely encountered both Hewlett Packard Enterprise (HPE) and IBM (IBM). But which of these two stocks offers value investors a better bang for their buck right now? We'll need to take a closer look.

    There are plenty of strategies for discovering value stocks, but they have found that pairing a strong Zacks Rank with an impressive grade in the Value category of their Style Scores system produces the best returns. The Zacks Rank is a proven strategy that targets companies with positive earnings estimate revision trends, while their Style Scores work to grade companies based on specific traits.

    Hewlett Packard Enterprise has a Zacks Rank of #2 (Buy), while IBM has a Zacks Rank of #3 (Hold) right now. The Zacks Rank favors stocks that have recently seen positive revisions to their earnings estimates, so investors should rest assured that HPE has an improving earnings outlook. But this is just one piece of the puzzle for value investors.

    Value investors also tend to look at a number of traditional, tried-and-true figures to help them find stocks that they believe are undervalued at their current share price levels.

    Our Value category grades stocks based on a number of key metrics, including the tried-and-true P/E ratio, the P/S ratio, earnings yield, and cash flow per share, as well as a variety of other fundamentals that value investors frequently use.

    HPE currently has a forward P/E ratio of 8.36, while IBM has a forward P/E of 15.18. They also note that HPE has a PEG ratio of 1.77. This metric is used similarly to the famous P/E ratio, but the PEG ratio also takes into account the stock's expected earnings growth rate. IBM currently has a PEG ratio of 3.64.

    Another notable valuation metric for HPE is its P/B ratio of 1.11. The P/B ratio is used to compare a stock's market value with its book value, which is defined as total assets minus total liabilities. For comparison, IBM has a P/B of 5.86.

    Story continues

    Based on these metrics and many more, HPE holds a Value grade of A, while IBM has a Value grade of C.

    HPE has seen stronger estimate revision activity and sports more attractive valuation metrics than IBM, so it seems like value investors will conclude that HPE is the superior option right now.

    Want the latest recommendations from Zacks Investment Research? Today, you can obtain 7 Best Stocks for the Next 30 Days. Click to get this free report

    Hewlett Packard Enterprise Company (HPE) : Free Stock Analysis Report

    International Business Machines Corporation (IBM) : Free Stock Analysis Report

    To read this article on Zacks.com click here.

    Zacks Investment Research


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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