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.

Wo erhalte ich vollständige Informationen über ICGB?

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Quality-Assurance ICGB : IASSC Certified Lean Six Sigma Green Belt exam Dumps

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Exam Number : ICGB
Exam Name : IASSC Certified Lean Six Sigma Green Belt
Vendor Name : Quality-Assurance
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ICGB exam Format | ICGB Course Contents | ICGB Course Outline | ICGB exam Syllabus | ICGB exam Objectives

Test Detail:
The IASSC Certified Lean Six Sigma Green Belt (ICGB) certification exam is designed to assess the knowledge and skills of individuals in the Lean Six Sigma methodology and tools. Here is a detailed overview of the ICGB certification, including the number of questions and time, course outline, exam objectives, and exam syllabus.

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The ICGB certification exam typically consists of 100 multiple-choice questions. The exact number of questions may vary, but the exam is designed to thoroughly evaluate the candidate's understanding of Lean Six Sigma concepts and application. The duration of the exam is three hours.

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The ICGB certification course covers a comprehensive range of subjects related to Lean Six Sigma. The specific course outline may include the following components:

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The ICGB exam syllabus outlines the specific subjects and subtopics that will be covered in the exam. The syllabus may include:

- Lean Six Sigma principles and methodologies
- DMAIC process and project management
- Data collection and measurement techniques
- Statistical analysis and hypothesis testing
- Process improvement tools and techniques
- Lean concepts and waste reduction strategies
- Control plans and sustaining process improvements

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Health sector crisis: What the expert panel did not find

News Health sector crisis: What the expert panel did not find View(s):
  • Of the 15 cases, panel explains only two cases; no comment on other 13 cases 
  • Unpublicised terms of reference focus on allergic reactions, not on drug quality 
  • Doubts continue, nine undisclosed patient incidents remain without probe
  • By Namini Wijedasa 

    A Health-Ministry-appointed expert committee that inquired into accurate adverse medical reactions to certain drugs administered in Government hospitals concluded that only two out of the 15 cases referred to it were deaths caused by severe allergies.

    The seven-member group, set up by Health Minister Keheliya Rambukwella, did not comment publicly on the remaining 13 cases. The nature of these incidents, including whether they were caused by substandard drugs, therefore remains undisclosed.

    The committee also did not investigate whether the suspect medicines which had induced these side effects were among the hundreds now being imported—on Health Ministry instructions—bypassing regulatory checks on the pretext of an “emergency” that persists well over one year.

    This is because the committee’s terms of reference (ToRs), which were not publicised, strictly constrained its seven members to study allergic reactions and not drug quality.

    Out of 15 cases reported to them, the experts’ initial exam was that six were possibly due to allergies. But a detailed evaluation showed that only five cases “met the criteria for anaphylaxis” or a severe allergic reaction.

    Using World Health Organisation-Uppsala Monitoring Centre (WHO-UMC) causality exam benchmarks, the experts then categorised four out of these five adverse drug reactions (ADRs) as being “probable/likely due to the suspected drug”. Causality exam is the finding of a relationship between a drug and a drug reaction.

    Of these, only two were fatalities directly arising from drug allergy. Neither the report’s conclusion nor recommendations—the sections that were released—reveal the reasons behind problems in the remaining cases.

    “The other two patients [out of four] were not patients who died as a result of drug allergy,” said Chandima Jeewandara, Professor in Allergy and Immunology, committee member, at a press conference held this week.

    In the two deaths, the products concerned were two brands of ceftriaxone and one of co-amoxiclav, both antibiotics. The ceftriaxone supplies were bought from two companies—one German, the other Indian—and had passed tests by the National Medicines Regulatory Authority (NMRA) quality assurance lab, Prof. Jeewandara said.

    The relevant co-amoxiclav product was manufactured in Sri Lanka. While the report on the suspect batch is pending—which indicates that tests are being carried out post-incident—particles had been found in vials of a different batch produced by the same company.

    The conclusion of the expert committee report, which will not be released in full citing patient confidentiality, also said: “Comprehensive quality testing reports of the suspected drugs were not available at the time of this report”.

    Prof. Jeewandara did not say how the original 15 cases were reported to them or even whether these were fatalities. Their narrow ToRs also mean nine publicly undisclosed patient incidents remain without investigation.

    Consequently, nagging questions remain about the quality of drugs and devices imported and released to Government hospitals without National Medicines Regulatory Authority (NMRA) oversight or registration. And doubts continue about whether shortcomings related to quality, safety and efficacy—as clearly evidenced through concerns reported in writing by doctors—have caused several accurate patient fatalities and other serious medical side effects.

    “Our duty was to assess whether these reactions were due to allergy or not,” Prof. Jeewandara said, when asked by a journalist if the committee had studied drug quality. “Not to assess the….From their experience they can decide whether these reactions were due to allergy or not. In allergy investigations, usually they don’t check the drugs, especially in terms of their quality. But they did refer to all the quality reports available with regard to these drugs.”

    “And they should mention also that all these suspected drugs were sent for quality testing and, you know, most of the reports were available for their exam,” he continued, flanked by Health Ministry officials. The two fatalities attributed to severe drug allergy took place at the Kandy General Hospital and the Colombo North Teaching Hospital (Ragama).

    It is now evident from information released to the media by the committee that the widely-reported deaths of a pregnant mother and a school principal at the Peradeniya Teaching Hospital were not due to drug allergies. The principal died in June from complications related to the Indian-manufactured “bupivacaine” (brand name Zupivac-H) anaesthetic injection after being in intensive care since April. The pregnant woman died in April after being administered the same injection.

    The expert panel members having a conversation with Health Minister Keheliya Rambukwella after handing over their report to him on Tuesday

    Zupivac-H, imported on a controversial waiver of registration (WoR) from the NMRA, was subsequently withdrawn. And the regulator, in a press release this week, admitted that the registration for the relevant “bupivacaine hydrochloride in dextrose inj USP 5mg/ml” had expired and was not renewed. Despite this, it was imported to Sri Lanka—bypassing registration, on Health Ministry instructions—under the Indian line of credit.

    The relevant vials were sent to the NMRA’s quality assurance lab after the passing of the pregnant woman, the press release says. Accordingly, two batches of the medication failed the tests while one batch was passed as matching the required criteria.

    “Nevertheless, as soon as the adverse reactions were reported, the NMRA on 2023/4/4 temporarily withheld the three batches of medication and on 2023/04/10 the decision to withhold this drug was approved by the Safety and Risk Evaluation Committee (SAFRESC),” it elaborated.

    After the lab report related to this medicine was received, and based on a SAFRESC directive issued on July 20, 2023, the Authority withdrew the product.

    Committee recommendations include measures on drug qualityThe Health Ministry-appointed committee made 12 recommendations. While it mostly focused on allergy-related issues, it did also prescribe the adoption of some measures on quality.One was that there should be a “stringent evaluation of the quality of medicines during registration and post-marketing quality testing of random samples is recommended to Strengthen the quality of pharmaceuticals in the country”.

    Another was that “Appropriate and expedited reporting on quality failures is needed”.

    The committee also called for “speedy remedial actions on procedural and/or financial issues that may hinder the adequate supply of safe and effective drugs of acceptable quality to healthcare institutions”.

    And it proposed that there be “strict maintenance of temperature control during transportation of pharmaceuticals”. All of these subjects have been widely discussed in the accurate past.

    The other recommendations are:

  • Revisit and establish national and institutional guidelines/protocols on anaphylaxis management/emergency management.
  • Re-emphasise the practice of, “Recognise early and treat immediately with adrenalin” in anaphylaxis; authorise the registered nursing officers of institutions to use 1:1000 adrenalin in the intramuscular injection route in an emergency without the directions of medical officers.
  • Develop a mandatory continuous professional development mechanism or training programme for medical and nursing officers on emergency management of anaphylaxis.
  • Institute a compulsory mechanism to conduct institutional clinical audits for all life-threatening adverse incidents reported.
  • The terms of reference of Drug and Therapeutic Committees should be revised to include the development of institutional drug management policies (e.g., Institutional Antibiotic Policy, Adverse Drug Reaction Policy, etc.) and to introduce institutional mechanisms to minimise medication errors.
  • Referral networks or pathways for anaphylaxis survivors for subsequent allergy reviews should be established.
  • Create a mechanism to educate Year 10 & 11 students at schools from across the country on allergy and safe use of medicines/antibiotics. Establish a similar mechanism to educate media personnel and the public.
  • Improve the efficiency and effectiveness of adverse drug reactions (ADR) reporting and response system by introduction of real-time data-sharing mobile applications. Allow the public to report ADRs to the NMRA.
  • The committee members are Medical Research Institute Director Dr. Dedunu Dias (Chair); Prof. Chandima Jeewandara, Professor in Allergy and Immunology; Prof. Priyadarshani Galappaththi, Professor in Pharmacology; Dr. Senitha Liyanage, Consultant Emergency Physician; Prof. Nithushi Samaranayake, Professor in Pharmacy; Pro. S.S.P. Warnakulasuriya, Professor in Nursing; and Dr. Philip H. Li, Board Director of the Asia Pacific Association of Allergy, Asthma and Clinical Immunology.

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    Sunlight Financial Announces 1-for-20 Reverse Stock Split

    NEW YORK & CHARLOTTE, N.C.--(BUSINESS WIRE)--Aug 18, 2023--

    Sunlight Financial Holdings Inc. (“Sunlight Financial”, "Sunlight" or the “Company”) (NYSE: SUNL), a premier, technology-enabled point-of-sale finance company, today announced that its Board of Directors approved a 1-for-20 reverse stock split of the Company’s common stock that will become effective at 11:59 p.m. Eastern Time on August 22, 2023. The Company’s common stock will begin trading on a split-adjusted basis on the New York Stock Exchange (NYSE) when the market opens on August 23, 2023. The reverse stock split was approved by the Company’s stockholders on August 11, 2023 at the Company’s annual meeting of stockholders, with authorization to determine the final ratio having been granted to the Company’s Board of Directors.

    At the effective time, every 20 issued and outstanding shares of the Company’s Class A common stock will be converted into one share of the Company’s Class A common stock. Once effective, the reverse stock split will reduce the number of shares of the Company’s Class A common stock issued and outstanding from approximately 86 million to approximately 4.3 million. Additionally, at the effective time, every 20 issued and outstanding shares of the Company’s Class C common stock, which is not listed on the NYSE, will be converted into one share of the Company’s Class C common stock.

    No fractional shares will be issued in connection with the reverse stock split and stockholders who would otherwise be entitled to a fractional share will receive an additional share of common stock. No stockholders will receive cash in lieu of fractional shares.

    Holders of the Company’s common stock held in book-entry form or through a bank, broker or other nominee do not need to take any action in connection with the reverse stock split. Stockholders of record will be receiving information from Continental Stock Transfer and Trust Company, the Company’s transfer agent, regarding their stock ownership post-reverse stock split. Beneficial holders are encouraged to contact their bank, broker or other nominee with any procedural questions. All other questions can be directed to the transfer agent, which can be reached at (800) 509-5586. Additional information concerning the reverse stock split can be found in the Company’s definitive proxy statement on Schedule 14A filed with the Securities and Exchange Commission on July 7, 2023.

    All outstanding public warrants to purchase the Company’s class A common stock will be proportionately adjusted as a result of the reverse stock split in accordance with the terms of the warrants, such that warrants representing the right to purchase 20 shares of the Company’s class A common stock immediately prior to the reverse stock split now represent the right to purchase one share of the Company’s class A common stock immediately following the reverse stock split. Correspondingly, the exercise price per share of the Company’s class A common stock attributable to such warrants immediately prior to the reverse stock split has been proportionately increased, such that the exercise price per share of the Company’s class A common stock attributable to such warrants immediately following the reverse stock split is $230.00, which equals the product of 20 multiplied by $11.50, the exercise price per share immediately prior to the reverse stock split. The number of shares of the Company’s class A common stock subject to the public warrants will be decreased by 20 times, to an aggregate of 862,500 shares. Proportionate adjustments will be made to the exercise prices, grant prices or purchase prices and the number of shares underlying the Company’s outstanding equity awards, as applicable, and private warrants exercisable for shares of the Company’s common stock, as well as to the number of shares issuable under the Company’s equity incentive plans, as determined by the Compensation Committee of the Company’s Board of Directors and/or in accordance with the terms of certain existing agreements, as applicable.

    The reverse stock split is intended to increase the market price per share of the Company’s Class A common stock to ensure the Company regains full compliance with the NYSE listing rule related to the minimum required average closing price of the common stock and maintains its listing on the NYSE. The Company anticipates that effects of the reverse stock split will be sufficient for the Company to regain compliance with the NYSE’s continued listing standards, however, there can be no assurance that the reverse split will have that effect, initially or in the future, or that it will enable the Company to maintain the listing of its Class A common stock on the NYSE.

    The trading symbol for the Company’s Class A common stock will remain “SUNL” and the new CUSIP number for the Company’s Class A common stock following the reverse stock split will be 86738J 304. The trading symbol and CUSIP number for the Company’s warrants will remain unchanged.

    About Sunlight Financial

    Sunlight Financial is a premier, technology-enabled point-of-sale finance company. Sunlight partners with contractors nationwide to provide homeowners with financing for the installation of residential solar systems and other home improvements. Sunlight’s best-in-class technology and deep credit expertise simplify and streamline consumer finance, ensuring a fast and frictionless process for both contractors and homeowners. For more information, visit www.sunlightfinancial.com.

    Forward-Looking Statements

    The information included herein and in any oral statements made in connection herewith may include “forward-looking statements” within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. Forward-looking statements may generally be identified by the use of words such as “could,” “should,” “would,” “will,” “may,” “believe,” “anticipate,” “outlook,“ “intend,” “estimate,” “expect,” “project,” “plan,” “continue,” or the negative of such terms and other similar expressions are intended to identify forward-looking statements, although not all forward-looking statements contain such identifying words. These forward-looking statements are based on management’s current expectations and assumptions about future events and are based on currently available information as to the outcome and timing of future events. Except as otherwise required by applicable law, Sunlight disclaims any duty to update any forward-looking statements, all of which are expressly qualified by the statements in this section, to reflect events or circumstances after the date hereof. Sunlight cautions you that these forward-looking statements are subject to numerous risks and uncertainties, most of which are difficult to predict and many of which are beyond the control of Sunlight. Such risks and uncertainties include, among others: various factors including negative current market conditions resulting in lower loan volumes, sales of Indirect Channel Loans at losses, Sunlight’s potential inability to sell enough loans under current market conditions to enable Sunlight to comply with the total loan cap under the Bank Partner Agreements and Sunlight’s current expectations regarding the longevity of unfavorable market conditions are impacting their ability to generate cash flow and if not resolved in a timely manner, raise substantial doubt about their ability to continue as a going concern; while they have received a waiver from the Bank Partner regarding their compliance with the minimum cash held at Bank Partner covenant and certain nonfinancial covenants under the Secured Term Loan, they must continue to work through the Backbook Loans, rising interest rate environment, and unfavorable market conditions for loan sales to stabilize their business and return to profitability, generate sufficient cash flow to fund their business and achieve compliance with the Bank Partner Agreements and the Secured Term Loan; there is no assurance that the Bank Partner will further amend their agreements with them or provide additional waivers for noncompliance; they have incurred a net loss for the year ended December 31, 2022 and the six months ended June 30, 2023 and they expect this to continue throughout 2023 unless market conditions change significantly in the near term; under the supervision and oversight of its Board of Directors, Sunlight (with the assistance of a financial advisory firm) continues to explore all available strategic alternatives and other available options for the Company, and Sunlight’s Board is considering all available options, including selling the Company or a restructuring of the Company through a privately negotiated transaction or a court process; they cannot predict the impact that such strategic alternative might have on Sunlight’s operations or the prices of Sunlight’s securities; their limited liquidity is materially and adversely affecting their business operations; while they have consummated the Transactions contemplated by the Commitment & Transaction Support Agreement they will continue to implement cost saving measures and the Board is continuing to review additional actions to maximize value for shareholders; non-compliance on the part of third parties with whom they conduct business disrupts their business and adversely affects their financial conditions and operating results; they do not currently have an interest rate risk hedging program or seek to hedge interest rate risks associated with their Bank Partner Agreements, and therefore are not protected against significant increases in interest rates; worsening economic conditions from rising interest rates, a rising rate of inflation, or other potential causes of economic distress could raise Sunlight’s cost of capital and/or reduce or eliminate the willingness of Sunlight’s direct or indirect capital providers to continue funding loan volume at historical levels, thereby materially and adversely impacting Sunlight’s business, cash flows, financial condition and results of operations; the ongoing COVID-19 pandemic and other health epidemics and outbreaks, including the rise of variants of COVID-19, could adversely affect Sunlight’s business, results of operations and financial condition; while Sunlight obtained amended terms under the Bank Partner Agreements in April 2023, if Sunlight is unable to facilitate the sale of loans held on its Bank Partner’s balance sheet to comply with the total loan cap and the Bank Partner is unwilling to further expand its loan capacity, Sunlight may be required to purchase all or a portion of these loans and/or may be unable to fund future Indirect Channel Loans; to the extent that Sunlight seeks to grow or strengthen its business and competitive position through future acquisitions, or other strategic investments, transactions or alliances, Sunlight may not be able to do so effectively; a material reduction in the retail price of electricity charged by electric utilities, other retail electricity providers or other energy sources as compared to potential savings for purchasing and using a solar system or an increase in pricing for purchasing and using a solar system above the cost of other energy sources could result in a lower demand for solar systems, which could have an adverse impact on Sunlight’s business, results of operations and financial condition; the reduction, modification or elimination of government incentives could cause their revenue to decline and harm their financial results; existing regulations and policies and changes to these regulations and policies may present technical, regulatory, and economic barriers to the purchase and use of solar power products, which may significantly reduce demand for their loan products and services; the industries that Sunlight operates in are highly competitive and are likely to become more competitive; additionally, if new entrants join these markets who have ready access to cheaper capital, competing successfully would become more difficult for Sunlight; Sunlight’s inability to compete successfully or maintain or Strengthen Sunlight’s market share and margins could adversely affect its business; disruptions in the operation of Sunlight’s computer systems and those of its critical third-party service providers and capital providers could have an adverse effect on Sunlight’s business; Sunlight’s growth is dependent on its contractor network and in turn the quality of the products and services they provide to their customers, and Sunlight’s failure to retain or replace existing contractors, to grow its contractor network or the number of Sunlight loans offered through its existing network, or increases in loan delinquencies due to any deficiencies in Sunlight’s contractor underwriting practices, could adversely impact Sunlight’s business; the current electrician shortage adversely impacts their business, financial condition, and results of operations; Sunlight’s capital advance program exposes it to potential losses in the event that a contractor fails to fully perform under its agreements with Sunlight or becomes insolvent prior to completion of the underlying installation or construction, which losses could have an adverse impact on Sunlight’s business, results of operations and financial condition; if contractors fail to fulfill their obligations to consumers or fail to comply with applicable law, Sunlight may incur remediation costs; Sunlight’s revenue is impacted, to a significant extent, by the general economy, including supply chain disruptions, and the financial performance of its capital providers and contractors; their results of operations could be adversely affected by economic and political conditions globally and the effects of these conditions on their clients’ businesses and levels of business activity; Sunlight has never paid cash dividends on its capital stock, and does not anticipate paying dividends in the foreseeable future; Sunlight cannot ensure that it will repurchase its common stock pursuant to Sunlight’s share repurchase program or that Sunlight’s share repurchase program will enhance long-term shareholder value; share repurchases could also increase the volatility of the price of Sunlight’s common stock and could diminish Sunlight’s cash reserves; if assumptions or estimates Sunlight uses in preparing its financial statements are incorrect or are required to change, Sunlight’s reported results of operations, liquidity and financial condition may be adversely affected; and such other risks and uncertainties discussed in the “Risk Factors” section of Sunlight’s Form 10-K as filed with the Securities and Exchange Commission (“SEC”) on May 4, 2023 and Sunlight's most accurate 10-Q as filed with the SEC on August 9, 2023. Should one or more of the risks or uncertainties described herein occur, or should underlying assumptions prove incorrect, genuine results and plans could differ materially from those expressed in any forward-looking statements. Sunlight’s SEC filings are available publicly on the SEC’s website at www.sec.gov.

    View source version on businesswire.com:https://www.businesswire.com/news/home/20230818093437/en/

    CONTACT: Investor Relations

    Glenn Cummins





    SOURCE: Sunlight Financial Holdings Inc.

    Copyright Business Wire 2023.

    PUB: 08/18/2023 04:10 PM/DISC: 08/18/2023 04:10 PM



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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