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 IFSEA-CFM?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der IFSEA-CFM: IFSEA Certified Food Manager Prüfung.

2023 Updated Actual IFSEA-CFM questions as experienced in Test Center

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Latest 2023 Updated Food IFSEA Certified Food Manager Syllabus
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Exam Number : IFSEA-CFM
Exam Name : IFSEA Certified Food Manager
Vendor Name : Food
Update : Click Here to Check Latest Update
Question Bank : Check Questions

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IFSEA-CFM test Format | IFSEA-CFM Course Contents | IFSEA-CFM Course Outline | IFSEA-CFM test Syllabus | IFSEA-CFM test Objectives

Passing Percent – 70%

Number of questions – 80

IFSEA reaches beyond common culinary and restaurant professions, assisting professionals working behind the scenes and those seeking management roles as well. They hold annual conferences, culinary competitions, and award ceremonies to network and discuss current happenings, but mostly to have fun.

We also work on charitable programs such as certifications for homeless veterans. Their connections in the industry have helped countless individuals.

IFSEA membership is perfect for executive chefs, restaurant owners, catering directors, food suppliers, professionals, or students new to the industry. Let us help you broaden your skills and foster relationships needed to reach executive levels within the food service and hospitality industry. Other advantages include:

Culinary Competition

Meeting New Professionals & Life-Long Friends

Education Seminars

Training Programs

Updates on Industry Trends & News

Access to Job Openings & Postings

Assisting with the Development of the Food Service Profession

Food Service Executive Certifications

Student Scholarships & Mentorships

Culinary Competitions

IFSEA Meetups

Students are required to be in a room, monitored by someone who is NOT
providing the direct instruction for the certification, except under extremely limited conditions.
If only one individual is approved by IFSEA as a proctor, then the teacher of the material may
proctor the exams and must be independently monitored by a second individual who does not
provide direct instruction for the certification content to the individuals taking the test.

There are 932 questions in the Classmarker databank, spread across 9 GFI tests and 4 IFSEA
tests. Most of the tests these questions came from have 80 questions, two have 150 questions.
Those questions came from this bank of questions, which were not changed at all, the same
questions reside on one of the 8 other subjects that GFI and IFSEA use. With their experience
about what you need to “know, be and do,” they selected from the data bank questions in 5
subjects – food safety, food service management, customer service, culinary nutrition and
culinary. There are 16 questions in each of those areas. The test was recently updated,
keeping in mind what would be good things for someone new or fairly new to their industry to

In order to provide the teachers with the material to provide the 150 hours of training required, they will
provide them with the PowerPoint slide shows for each of the 5 testing areas. For adults, each
of those takes 6 to 8 hours of training, a full day. The teachers can pick out of this information,
what information they would like to use. They will also provide the shorter (90 or so slides) slide
show which is more test specific. They also have a spreadsheet indicating on that short version,
where the questions are answered, which will help the teachers to cover the broad subject
matter to be taught, being sure to cover the specific questions as well.

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The Best Password Managers for 2023

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    Nearly every website you visit, from dating apps to hyper-secure banking sites, insists you create a user account and think up a password. The problem? Human memory can't keep up with dozens upon dozens of passwords. Some people get the bright idea of using the simplest possible password, like "123456789" or "password." Others memorize one superbly random password and use it for everything. Either strategy is likely to make you the latest victim of identity theft.

    Password managers keep you safe, and they're also highly convenient. With a password manager, you don't have to remember strong, unique passwords for all your accounts. The password manager stores them for you, helps you generate new, random ones, and can even help you pass on your passwords to your loved ones after you die.

    All the best password managers mentioned in this article cost money, though you can use some of them for free if you accept certain limitations. If you don't want to spend money and don't want limitations, don't worry. We've rounded up the best free password managers in a separate article.

    We've tested and analyzed dozens of password managers so you can pick the one that best fits your needs. Not happy with your initial choice? Don't worry. Most services allow you to export or import your saved data from other products, easing the process of switching password managers.

    (Editors' Note: Because of the accurate LastPass breach, they have removed it from this roundup. After they have reexamined and rerated the service, we'll consider adding it back.)

    Deeper Dive: Their Top Tested Picks

    Bitwarden Best for Free Password Management Why They Picked It

    Bitwarden offers the best free tier for password management we've reviewed. Bitwarden is open-source software, and its code undergoes regular audits by independent researchers, making it less vulnerable to hacks and breaches. Bitwarden's password manager is easy to use and does not limit the number of passwords you can store, nor does it prevent you from syncing your vault across devices, as many free password managers do. The Premium tier is inexpensive and includes excellent features, such as an actionable password health report, emergency access options, the ability to generate TOTP codes, and support for enhanced multi-factor authentication methods. 

    Who It's For

    First-time password manager users or anyone looking for a free password manager should consider Bitwarden. deliver password management a try by downloading Bitwarden's free version and upgrading to the paid version after learning how to use it.

  • Open-source
  • Easy to use
  • Free tier and inexpensive paid plan
  • Supports multi-factor authentication
  • Sharing enabled across all subscription tiers
  • Offers apps for all popular platforms and browsers
  • CONS
  • Send feature allows insecure password sharing
  • Clunky password capture and replay
  • Dashlane Best for Premium Password Management Why They Picked It

    Dashlane performs all the basic and advanced tasks they expect from a password manager, plus it comes with a VPN and a dark web monitor, retains a history of your logins, and scans your accounts for weak and compromised passwords.

    Who It's For

    Dashlane's top-tier plan is expensive, and its free plan is limited to just one device. Still, Dashlane's ultra-smooth password capture and replay system and host of slick yet easy-to-use features make it an excellent choice for premium password management.

  • Smooth password capture and replay
  • Revoke device access from anywhere
  • Secure password sharing
  • Supports multiple forms of multi-factor authentication
  • Includes VPN
  • Scans for compromised accounts
  • Retains full password history
  • CONS
  • Pricey
  • Free tier limited to one device
  • Clunky password inheritance system
  • Zoho Vault Best for Sharing Features Why They Picked It

    Zoho Vault helps you at home and work as it includes collaboration features, syncs across all devices, has browser extensions, imports passwords from browsers, and handles multipage logins easily.

    Who It's For

    Budget-conscious users. Zoho Vault offers a generous free plan with no limits on device-syncing or password storage. Most other password managers put tighter restrictions on their free accounts, limiting the number of passwords one can store in the vault or how many devices can sync at one time.

  • Syncs across Windows, macOS, Android, and iOS devices
  • Supports multi-factor authentication
  • Accessible across all browsers on any platform
  • Handles multipage logins
  • Imports passwords from browsers
  • Substantial free plan
  • CONS
  • Lacks web form filling 
  • Unintuitive mini password generator
  • 1Password Best for Password Organization Why They Picked It

    1Password offers apps for Windows, macOS, Linux, Android, and iOS. It also has one of the best password organization systems, and it supports multi-factor authentication. 

    Who It's For

    Most people will like 1Password because it is easy to use and offers plenty of security, but it does have its downsides. 1Password lacks a true password inheritance feature and has lackluster import options.

  • Watchtower, a password monitoring feature, is now available for mobile users
  • Slick and attractive mobile apps
  • Intuitive password organization
  • Supports multi-factor authentication
  • CONS
  • Form filling is clunky and unreliable
  • Limited import options
  • Lacks password inheritance feature
  • Keeper Password Manager & Digital Vault Best for Secure Cross-Platform Password Management Why They Picked It

    Keeper is very easy-to-use across a ton of platforms and browsers. It also offers features such as robust multi-factor authentication support, secure sharing, useful auditing tools, and full password histories.

    Who It's For

    Anyone who is looking for excellent premium password protection, especially users with large families. The Keeper Family package is a great value, as it includes five Keeper Unlimited Vaults. One downside to Keeper is the lack of a free subscription tier offered by Bitwarden and Dashlane. That said, you can deliver Keeper a try during a 30-day trial period to determine whether it's the app for you.

  • Easy-to-follow tutorial for new subscribers
  • Smooth password capture and replay
  • Well-designed apps and browser extensions
  • Secure password sharing and inheritance options
  • Supports multiple forms of multi-factor authentication
  • Retains credential and file history
  • CONS
  • No free tier
  • Some desirable features are paid add-ons
  • Stingy encrypted-storage limits
  • LogMeOnce Password Management Suite Ultimate Best for Additional Features Why They Picked It

    LogMeOnce has a totally free version, with no limit on the number of saved passwords or on the number of devices you use. The paid version is feature-rich, and there are many options for authentication.

    Who It's For

    People who hate passwords. LogMeOnce began offering a passwordless login feature years ago, long before many competitors began added the security feature to their products.

  • Syncs across Windows, macOS, Linux, iOS, and Android.
  • New, streamlined interface.
  • Vast number of features, many of them unique and patented.
  • CONS
  • Some features cost extra.
  • All-features installation quite expensive.
  • Vast number of features may overwhelm users.
  • NordPass Best for Business Account Administrators Why They Picked It

    NordPass, from the team behind NordVPN, is a streamlined, easy-to-use service for securely accessing your passwords via desktop and mobile apps or on the web. It has added some notable features over time, including a Data Breach Scanner, password health report, web vault, and a password inheritance option.

    Who It's For

    Business account users. NordPass for Business focuses on password hygiene with various tools to help administrators see which employees have weak, reused, or old passwords in their vaults.

  • Supports secure credential sharing
  • Supports multi-factor authentication via app and security key
  • Mandatory multi-factor authentication option for business accounts
  • Data breach scanner and actionable password health report
  • Audited
  • CONS
  • Pricier than competition
  • Free version cannot be used on multiple devices simultaneously
  • Password Boss Best for Browser Tools Why They Picked It

    In addition to handling all expected password management tasks, Password Boss comes with secure sharing, password inheritance, and other advanced features.

    Who It's For

    Everyone. Password Boss offers secure password storage and multi-factor authentication like many of its competitors. Unlike rivals Bitwarden and Zoho Vault, its free version does not allow syncing across multiple devices.

  • Secure sharing and password inheritance features
  • Security dashboard
  • Retains a history of notes and passwords
  • Supports many platforms and browsers
  • CONS
  • Limited multi-factor authentication options
  • Lacks a free version
  • Limited import options
  • Unreliable form filling
  • RoboForm Everywhere Best for Form-Filling Capabilities Why They Picked It

    RoboForm Everywhere has strong form-filling abilities and capable password management. In an age when many competing products are updating user interfaces and working on ease of use, RoboForm’s new web vault is a welcome addition to an already-excellent product. 

    Who It's For

    Current RoboForm users. If you are already familiar with the password manager's file system, using the current version will be easy. RoboForm is a highly capable password manager, though its menu system is not as slick or intuitive as the competition.

  • Comprehensive web form filling
  • Manages application passwords
  • Updated and modern web vault appearance
  • Syncs across many device types and browsers
  • Generates strong and unique passwords by default
  • CONS
  • Limited importing from competing products
  • Desktop user interface can be confusing
  • Does not support hardware security keys
  • Buying Guide: The Best Password Managers for 2023

    The Best Password Protection

    When you sign up for a password manager, one of the first things you need to do is create a master password for your account. Your master password is used to encrypt the contents of your password vault, so you should make it difficult for anyone else to guess it. However, it can't be so random you can't remember it. Your master password is likely unrecoverable if you do. Read their tips on creating secure, complicated passwords for guidance.

    Some password managers, such as Keeper, eliminate the need for a master password by offering a passwordless entry to your desktop or mobile vault. With passwordless technology, you can log in using a QR code with a third-party authenticator app, biometrics, a magic link, or a one-time password.

    As an additional precaution, you should set up multi-factor authentication to secure your password manager account, be it biometric, SMS-based, or via time-based one-time passwords (TOTPs) stored in an authenticator app. The best password managers support authentication via U2F or OTP-based hardware security keys, most of which are about the size of an real key and made to go on your key ring.

    Before you commit to any password manager, you need to make sure it works on each device you use and doesn't prevent you from syncing your passwords across all your devices. Although support for Windows and macOS platforms is given, several password managers now offer native Linux apps, too. The best password managers have browser extensions for every popular browser that can operate independently of a desktop app.

    How Does a Password Manager Work?

    Most people use a password manager primarily to manage website credentials. In practice, when you log in to a secure site, the password manager offers to save your credentials. When you return to that site, it offers to fill in those credentials. If you've saved multiple logins for the same site, the password manager lists all those options. Most password managers also offer a browser toolbar menu of saved logins, so you can go straight to a saved site and log in automatically.

    Some products detect when you change your password to an account and offer to update the existing password on file to the new one. Some record your credentials when you create a new account for a secure website.

    Entering your passwords into a password manager is a good first step. Next, you must identify weak and duplicate passwords and replace them with tough ones. Password managers can flag these bad passwords and help you Improve them. A PCMag survey found 70% of respondents reuse passwords for their accounts. Clearly, removing reused passwords is one of the biggest ways a password manager can Improve your security. Some password managers even check whether you have set up multi-factor authentication for those services in your vault that support it and whether your personal information appears in any data breaches.

    Bitwarden password manager reused credential warning

    (Credit: Bitwarden)

    When you create a new secure account or update a weak password, don't strain your brain trying to develop something strong and unique. Let your password manager take care of it. You don't have to remember it, after all. Ensure your generated passwords are at least 20 characters long and include all the major character types: uppercase, lowercase, numbers, and symbols.

    What Are Important Password Manager Features?

    Most password managers can fill in personal data on web forms, such as first and last name, email address, phone number, bank cards, passport numbers, etc. Some password managers also show you realistic images of credit cards with the correct color and bank logo of your physical card to make it easy to pick the payment option you want when shopping online. Many password managers also can capture and fill in credentials for desktop applications.

    Most password managers include a built-in mechanism for securely sharing passwords with other users, but some go further with advanced permissions. For instance, a few password managers allow you to share a login without making the password visible, revoke sharing, or make the recipient an owner of the item.

    On a grimmer note, what happens to your secure accounts after you die? Many products include some provision for a digital legacy, a method to transfer your logins to a trusted individual in the event of your death or incapacity.

    Some password management companies also offer versions of their products for businesses and teams. These products usually emphasize multi-factor authentication and offer single sign-on and advanced credential-sharing capabilities between team members. The best password managers let administrators see which employees use weak, reused, or compromised passwords for their work accounts.

    Recommended by Their Editors What Are the Most Secure Password Managers?

    Logging in with your secure username and password to a website that doesn't use a secure HTTPS connection is a big no-no. Some password managers warn you about insecure login pages.

    Running your secure connections through a virtual private network, or VPN, adds a layer of protection. Dashlane includes a simple built-in VPN. RememBear and NordPass, respectively, come from the same companies behind Editors' Choice VPNs, TunnelBear VPN and NordVPN. 

    Secure storage is an increasingly common feature among password managers, too. The storage allocation won’t replace the need for dedicated cloud storage and syncing service, but in many cases, it’s enough for storing important documents in an encrypted state.

    Although a password manager needs to offer advanced features, it should remain easy to use and avoid needless complexity. Users who get annoyed or baffled by a password manager may abandon it and go back to using sticky notes to store and share passwords or, worse, apply the same password everywhere. Note: If you get fed up with your current tool, they have a guide for switching to a new password manager.

    What Is the Best Password Manager for 2023?

    Products on this list that do not earn an Editors' Choice award have their merits, but there are two that stand above the rest so far this year. Their 2023 Editors' Choice winners for the category are Bitwarden and Dashlane. Slick and polished Dashlane boasts a ton of features. Bitwarden offers a remarkable top-notch open-source, totally free password management tier. Click here to learn what criteria they are looking for when they test password managers.

    You can now use the Task Manager live kernel dump feature with Windows 11 Dev build 251970 0

    Windows 11 logo white on top of a fractal variant of the Windows 11 default wallpaper

    Earlier today, Microsoft released Windows 11 build 25197 to Dev Channel Insiders. The new build brings Tablet-optimized taskbar, though the company acknowledged it can be a buggy experience for now.

    In one of the earlier builds 25188, a hidden "live kernel dump" option inside the Task Manager was noticed. Kernel dump files create a snapshot of kernel memory which allows their analysis when troubleshooting app crashes, driver errors, and Windows BSODs, among others. Live kernel dump files are similar except they don't require a system reboot in order to create a dump. Hence, this is useful since it doesn't disrupt the system in case of a non-fatal error.

    The option to create live kernel dumps is now active in the new Windows 11 build 25197. As you can see in the image below, choosing the live kernel dump option opens a dialog box denoting the location of the dump file created.

    Build 25197 live kernel dump feature in Task Manager

    If you tried to use the live kernel dump option on previous builds, like for example, in build 25193, the following error message would pop up stating that the operation could not be completed:

    Build 25193 live kernel dump feature not working

    You can read about the rest of the changes in build 25197 that include new animated icons in Settings and a Media Player update, among others, in this article.

    Source: Xeno (Twitter) via PhantomOcean3 (Twitter)

    Climate Change Forcing Polar Bears To Forage Garbage Dump For Food: Study

    No result found, try new keyword!These scents include game meat hung outside homes, open dumps, barbecue grills and even bird seed. Once a polar bear has discovered a food source ... and Yosemite, managers have long fought ...

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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