Was ist das eigentlich? Cyberrisiken verständlich erklärt
Es wird viel über Cyberrisiken gesprochen. Oftmals fehlt aber das grundsätzliche Verständnis, was Cyberrisiken überhaupt sind. Ohne diese zu verstehen, lässt sich aber auch kein Versicherungsschutz gestalten.
Beinahe alle Aktivitäten des täglichen Lebens können heute über das Internet abgewickelt werden. Online-Shopping und Online-Banking sind im Alltag angekommen. Diese Entwicklung trifft längst nicht nur auf Privatleute, sondern auch auf Firmen zu. Das Schlagwort Industrie 4.0 verheißt bereits eine zunehmende Vernetzung diverser geschäftlicher Vorgänge über das Internet.
Anbieter von Cyberversicherungen für kleinere und mittelständische Unternehmen (KMU) haben Versicherungen die Erfahrung gemacht, dass trotz dieser eindeutigen Entwicklung Cyberrisiken immer noch unterschätzt werden, da sie als etwas Abstraktes wahrgenommen werden. Für KMU kann dies ein gefährlicher Trugschluss sein, da gerade hier Cyberattacken existenzbedrohende Ausmaße annehmen können. So wird noch häufig gefragt, was Cyberrisiken eigentlich sind. Diese Frage ist mehr als verständlich, denn ohne (Cyber-)Risiken bestünde auch kein Bedarf für eine (Cyber-)Versicherung.
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Exam Number : HPE6-A82
Exam Name : HPE Sales Certified - Aruba Products and Solutions
Vendor Name : HP
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HPE6-A82 exam Format | HPE6-A82 Course Contents | HPE6-A82 Course Outline | HPE6-A82 exam Syllabus | HPE6-A82 exam Objectives
Test Detail:
The HP HPE6-A82 exam, also known as "HPE Sales Certified - Aruba Products and Solutions," is a certification exam designed to validate the knowledge and skills of sales professionals in selling Aruba products and solutions. The exam focuses on various aspects of Aruba networking technologies, including wireless, wired, and security solutions. This description provides an overview of the HPE6-A82 exam.
Course Outline:
The course for the HP HPE6-A82 exam covers a wide range of subjects related to Aruba products and solutions. The course outline may include the following:
1. Introduction to Aruba Products and Solutions:
- Overview of Aruba's networking portfolio
- Understanding Aruba's wireless and wired solutions
- Exploring Aruba's security and network management offerings
2. Aruba Networking Technologies:
- Understanding Aruba's wireless networking technologies
- Exploring Aruba's wired networking technologies
- Overview of Aruba's security and network management technologies
3. Selling Aruba Products and Solutions:
- Understanding customer requirements and business needs
- Positioning Aruba's products and solutions effectively
- Articulating the value proposition of Aruba's offerings
4. Aruba Competitive Landscape:
- Understanding the competitive landscape in the networking industry
- Identifying key competitors to Aruba's products and solutions
- Differentiating Aruba from its competitors
5. Sales Strategies and Techniques:
- Building effective customer relationships
- Conducting product demonstrations and presentations
- Handling objections and closing sales deals
Exam Objectives:
The HPE6-A82 exam objectives cover the following areas:
1. Aruba Networking Technologies
2. Aruba Products and Solutions
3. Selling Aruba Solutions
4. Competitive Positioning
5. Sales Strategies and Techniques
Exam Syllabus:
The exam syllabus for the HPE6-A82 exam includes specific subjects within each of the exam objectives mentioned above. It may cover areas such as:
- Understanding Aruba's wireless networking architecture and technologies
- Exploring Aruba's wired networking solutions and technologies
- Overview of Aruba's security and network management offerings
- Positioning Aruba's products and solutions based on customer requirements
- Identifying and addressing customer objections and concerns
- Applying sales strategies and techniques to drive successful sales outcomes
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HP - information hunger
Top 10 Ways to Deal With Hunger1. Bulk up your meals. There's a lot of evidence that bulk -- that is, fiber -- reduces appetite. So turn up the volume with higher-fiber foods like fruits, vegetables, whole grains, and beans. These foods also tend to have a high water content, which helps you feel full. 2. Cool off your appetite with soup. Have a bowl of broth or vegetable-based soup (hot or cold) for a first course, and you'll probably end up eating fewer total calories at that meal. Creamy or high-fat soups need not apply for this job -- stick to the low-cal, high-fiber choices like minestrone or vegetable-bean type soups. 3. Crunch your appetite away with a big salad. One study found that when people had a large (3 cups), low-calorie (100 calories) salad before lunch, they ate 12% fewer calories during the meal. When they had a smaller salad (1 1/2 cups and 50 calories), they ate 7% fewer calories overall. You can make the same salads used in the study: Toss romaine lettuce, carrots, tomatoes, celery, and cucumbers together, and top with fat-free or low-fat dressing. But beware the fatty salad! Eating a high-calorie salad, even a small one, can encourage us to eat more calories at the meal than if they ate no salad at all. 4. Stay on course. A little bit of variety in their meals is good and even healthful. But having several courses during a meal can lead you down the wrong path. Adding an extra course to your meal (unless it's a low-calorie salad or broth-type soup) usually increases the total calories you consume for that meal. 5. An orange or grapefruit a day helps keep appetite away. Research suggests that low-calorie plant foods that are rich in soluble fiber -- like oranges and grapefruit -- help us feel fuller faster and keep blood sugars steady. This can translate into better appetite control. Of the 20 most popular fruits and vegetables, oranges and grapefruits are highest in fiber! 6. Get milk (or other low-fat dairy foods). Increasing your intake of low-fat dairy foods is a great way to get more of two proteins that are thought to be appetite suppressors -- whey and casein. And drinking milk may be especially effective. A accurate study found that whey -- the liquid part of milk -- was better at reducing appetite than casein. 7. Have some fat with your carbs -- but not too much! When they eat fat, a hormone called leptin is released from their fat cells. This is a good thing when we're talking about moderate amounts of fat. Studies have shown that a lack of leptin (due to a very low-fat diet) can trigger a voracious appetite. Obviously, they want to do the opposite of that. But that doesn't mean they should opt for a high-fat meal. Research has found a higher frequency of obesity among people who eat a high-fat diet than among those who eat a low-fat diet. 8. Enjoy some soy. Soybeans offer protein and fat along with carbohydrates. That alone would suggest that soybeans are more satisfying and more likely to keep their appetites in control than most plant foods. But a accurate study in rats suggests that a particular component in soybeans has definite appetite-suppressing qualities. 9. Go nuts. Nuts help you feel satisfied because of their protein and fiber content. A handful of these vitamin- and mineral-rich nuggets will hold you over between meals. But keep that handful small: Nuts are high in fat, even though it is the healthful monounsaturated kind. 10. Slow down, you're eating too fast. It takes at least 20 minutes for your brain to get the message that your stomach is officially "comfortable" and that you should stop eating. If you eat slowly, the brain has a chance to catch up with the stomach, and you're less likely to overeat. How to help: New Hampshire Tackles Hunger 2023How to help: New Hampshire Tackles Hunger 2023 ![]() Updated: 9:31 AM EDT Aug 23, 2023 WMUR is once again teaming up with the New Hampshire Food Bank, Dead River Company and high school athletic departments to tackle hunger in New Hampshire! The high school football teams will be picking an upcoming football game to collect food and raise money for the local food pantries in their community. Over the last 10 years, this project has collected more than 842,000 pounds of food for local food pantries. The drive kicks off Friday, Aug. 25, at the Queen City Jamboree at Gill Stadium in Manchester, where the NH Food Bank will be collecting donations. >> To donate cash, visit https://www.nhfoodbank.org/nh-tackles-hunger/ <<NEEDED ITEMS FruitsCanned tropical fruits (oranges, grapefruits, pineapples, mangoes, etc.)Canned apples, canned pearsCanned stone fruits (apricots, peaches, cherries)Apple sauceVegetablesCanned red/orange: peppers, carrots, beets, tomatoes, pumpkin Canned mushroomsGreen: Canned asparagus, green beans, peas, artichokes, spinachStarchy: canned corn, potatoesProteinDried or canned beans (chickpeas, black beans, kidney beans, etc.)Dried or canned lentilsCanned tuna or other canned fishCanned chickenPeanut and other nut buttersMixed nutsWhole GrainsBrown or wild riceQuinoaBarley or farroRolled oatsWhole wheat pasta, crackers, oatmealOtherSoup or broths (low sodium)Herbs and spicesSparkling water or seltzerShelf-stable milk OR nondairy milk100% fruit juiceSCHEDULE OF GAMES WHEN COLLECTIONS WILL OCCUR Friday, Sept. 15Portsmouth vs. DoverMerrimack Valley vs. PlymouthBedford vs. KeeneMonadnock vs. InterlakesSaturday, Sept. 16Epping vs. Fall MountainFriday, Sept. 22Pinkerton vs. LondonderryKingswood vs. EppingNashua North vs. Nashua SouthManchester Memorial vs. PortsmouthSaturday, Sept. 23John Stark vs. Manchester WestMascoma Valley vs. Bishop BradyHollis Brookline vs. PelhamKennett vs. St Thomas AquinasFriday, Sept. 29Pelham vs. Hillsboro DeeringSaturday, Sept 30Gilford vs. LaconiaKeene vs. GoffstownSaturday, Oct. 7Franklin vs. Mascoma ValleyInter-Lakes vs. Epping-NewmarketADDITIONAL INFORMATIONDead River Company is collecting food donations at the following locations:159 Elm Street, Manchester452 Winchester Street, Keene432 Route 108, Somersworth27 Hill Road, Franklin30 Pleasant Street, Bristol329 Highland Street, Plymouth2300 Dartmouth College Hwy, Rte 10, North Haverhill20 Hall Avenue, Henniker (Ayer & Goss)49 Shirking Road, Epping (Buxton Oil) TACKLES HUNGER PARTNERSNew Hampshire Food Bank Dead River CompanyAgain, to donate cash, please visit https://www.nhfoodbank.org/nh-tackles-hunger/. MANCHESTER, N.H. —WMUR is once again teaming up with the New Hampshire Food Bank, Dead River Company and high school athletic departments to tackle hunger in New Hampshire! The high school football teams will be picking an upcoming football game to collect food and raise money for the local food pantries in their community. Over the last 10 years, this project has collected more than 842,000 pounds of food for local food pantries. The drive kicks off Friday, Aug. 25, at the Queen City Jamboree at Gill Stadium in Manchester, where the NH Food Bank will be collecting donations. >> To donate cash, visit https://www.nhfoodbank.org/nh-tackles-hunger/ << NEEDED ITEMS FruitsDead River Company is collecting food donations at the following locations: Again, to donate cash, please visit https://www.nhfoodbank.org/nh-tackles-hunger/. 2023 Volkswagen TaosOverviewSubcompact SUVs feed a hunger for space, affordability, and a certain sense of belonging—since almost everyone drives an SUV these days. Among 20 other competitors, the Volkswagen Taos quenches an additional, more accurate consumer craving for parsimonious fuel economy. Available in front- or all-wheel drive, every Taos hums along getting exemplary real-world fuel mileage thanks to a stingy, 158-hp 1.5-liter turbocharged four-cylinder engine. The Taos doesn't offer a hitch to tow with, so we'd suggest moving up to the larger Tiguan SUV for that, but there's plenty of cargo space inside, even with the rear seats in use, to easily handle grocery duty. It's a close fight among the best in this class, so the Taos's low starting price and capacious cockpit make it a tempting choice among others such as the Kia Seltos and Chevrolet Trailblazer. Beating its EPA-estimate by 4 mpg, an all-wheel-drive Taos SEL they tested managed an awesome 40 mpg during their 200-mile, 75-mph highway fuel-economy test loop. Copious amounts of interior plastic help keep the Taos' price down while making the more richly-appointed Mazda CX-30 cabin feel like a miniature luxury condo in comparison with the VW. What's New for 2023?VW's smallest crossover doesn't undergo much change for 2023, but it does receive a few equipment enhancements. Volkswagen adds driver assistance features such as forward collision warning with automatic emergency braking and pedestrian monitoring, blind spot monitor, and rear traffic alert as standard equipment across all trims. The base S gets 18-inch wheels, instead of 17-inchers, on all-wheel-drive models. Lastly, SEL now get a fancy panoramic sunroof as standard equipment. Pricing and Which One to BuyWe recommend the mid-level SE model because it provides the best value. It comes standard with 18-inch wheels, blind-spot monitoring, heated front seats, remote start, and wireless charging. We'd add all-wheel drive for an extra $1450, largely because it replaces the front-drive model's rear suspension with a more sophisticated independent unit. Engine, Transmission, and PerformanceThe Taos is powered by VW's new turbocharged 1.5-liter four-cylinder engine. It makes 158 horsepower and 184 pound-feet of torque. Front-drive versions feature an eight-speed automatic transmission, and all-wheel-drive models have a seven-speed dual-clutch automatic. The front-drive and all-wheel-drive Taos also have different rear suspensions, with the former using a torsion-beam setup and the latter using a more sophisticated multilink design. During their testing, the acceleration difference between the two different drivetrains was negligible, with the front-wheel-drive Taos beating the 4Motion to 60 mph by only a tenth of a second. A set of 17-inch wheels are standard, but 18- and 19-inchers are also available. They appreciated the engine's low-speed thrust, the eight-speed automatic's unobtrusive operation, and the suspension's composure on even roads during their time with one. Fuel Economy and Real-World MPGThe front-drive Taos is rated at 28 mpg in the city and 36 mpg on the highway, and the all-wheel-drive model is rated at 25 mpg city and 32 highway. On their 75-mph highway fuel-economy route, the front-wheel-drive Taos earned an impressive 40 mpg, while the 4Motion all-wheel-drive Taos achieved 33 mpg. For more information about the Taos's fuel economy, visit the EPA's website. Interior, Comfort, and CargoInside, there's nothing overtly special about the Taos. The design and materials mimic the modern aesthetic found on other VW models. A fully digital gauge cluster is fitted to every dashboard and the standard two-tone seats are covered in cloth. However, leatherette and leather upholstery are both available, too. There's no shortage of popular options, either. The Taos cabin can be equipped with customizable ambient lighting, an eight-way power driver's seat, dual-zone climate control, a heated steering wheel, heated and ventilated front seats, and a panoramic sunroof. The Taos boasts 37.9 inches of rear-seat legroom, which is only 0.8 inch less than the two-row Tiguan. The Taos also has 28 cubic feet of cargo space behind the rear seatbacks and 66 cubes with them folded flat. The Car and Driver Difference Infotainment and ConnectivityEvery Taos features a slick-looking infotainment system with a subscription-based Wi-Fi hotspot. A 6.5-inch touchscreen is standard, and an 8.0-inch version is optional. The system can also be equipped with built-in navigation, an eight-speaker BeatsAudio stereo, SiriusXM satellite radio, and wireless smartphone charging. How to Buy and Maintain a Car Safety and Driver-Assistance FeaturesThe smallest VW crossover is available with a variety of driver-assistance technology, too, including forward-collision warning and automated emergency braking. For more information about the Taos's crash-test results, visit the National Highway Traffic Safety Administration (NHTSA) and Insurance Institute for Highway Safety (IIHS) websites. Key safety features include: Volkswagen provides an above-average limited warranty and below-average powertrain coverage. However, the company does include complimentary scheduled maintenance that aligns with Toyota. Specifications 2022 Volkswagen Taos SELVehicle Type: front-engine, front-wheel-drive, 5-passenger, 4-door wagon PRICE Base/As Tested: $33,385/$33,385 ENGINE turbocharged and intercooled DOHC 16-valve inline-4, aluminum block and head, direct fuel injectionDisplacement: 91 in3, 1498 cm3Power: 158 hp @ 5500 rpmTorque: 184 lb-ft @ 1750 rpm TRANSMISSION 8-speed automatic CHASSIS Suspension, F/R: struts/torsion beamBrakes, F/R: 12.3-in vented disc/10.7-in discTires: Bridgestone Turanza LS100215/50R-18 92H M+S DIMENSIONS Wheelbase: 105.9 inLength: 175.8 inWidth: 72.5 inHeight: 64.4 inPassenger Volume: 99 ft3Cargo Volume: 28 ft3Curb Weight: 3244 lb C/D TEST RESULTS 60 mph: 7.4 sec1/4-Mile: 15.8 sec @ 87 mph100 mph: 21.5 secResults above omit 1-ft rollout of 0.3 sec.Rolling Start, 5–60 mph: 8.4 secTop Gear, 30–50 mph: 4.5 secTop Gear, 50–70 mph: 6.1 secTop Speed (C/D est): 125 mphBraking, 70–0 mph: 176 ftRoadholding, 300-ft Skidpad: 0.83 g C/D FUEL ECONOMY Observed: 30 mpg75-mph Highway Driving: 40 mpg75-mph Highway Range: 520 mi EPA FUEL ECONOMY Combined/City/Highway: 31/28/36 mpg --- 2022 Volkswagen Taos SEL 4MotionVehicle Type: front-engine, all-wheel-drive, 5-passenger, 4-door wagon PRICE Base/As Tested: $34,940/$36,535Options: panoramic sunroof, $1200; Kings Red Metallic paint, $395 ENGINE turbocharged and intercooled DOHC 16-valve inline-4, aluminum block and head, direct fuel injectionDisplacement: 91 in3, 1498 cm3Power: 158 hp @ 5500 rpmTorque: 184 lb-ft @ 1750 rpm TRANSMISSION 7-speed dual-clutch automatic CHASSIS Suspension, F/R: struts/multilinkBrakes, F/R: 12.3-in vented disc/10.7-in discTires: Pirelli Scorpion Zero All Season225/45R-19 92H M+S DIMENSIONS Wheelbase: 105.6 inLength: 175.8 inWidth: 72.5 inHeight: 64.6 inPassenger Volume: 99 ft3Cargo Volume: 25 ft3Curb Weight: 3557 lb C/D TEST RESULTS 60 mph: 7.5 sec1/4-Mile: 15.8 sec @ 85 mph100 mph: 24.2 secResults above omit 1-ft rollout of 0.3 sec.Rolling Start, 5–60 mph: 8.5 secTop Gear, 30–50 mph: 4.6 secTop Gear, 50–70 mph: 5.9 secTop Speed (C/D est): 125 mphBraking, 70–0 mph: 185 ftRoadholding, 300-ft Skidpad: 0.85 g C/D FUEL ECONOMY Observed: 29 mpg75-mph Highway Driving: 33 mpg75-mph Highway Range: 470 mi EPA FUEL ECONOMY Combined/City/Highway: 28/25/32 mpg C/D TESTING EXPLAINED More Features and Specs |
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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