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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GAQM 27001:2023 exam Questions


Questions and storylines for all 42 bowl games

  • Bill Connelly, ESPN Staff WriterDec 28, 2023, 02:31 PM ET

    Close Bill Connelly is a staff writer for ESPN.com.
  • When the postseason began, there were 49 games left in the 2023 college football season: 42 bowl games (including both College Football Playoff semifinals), three remaining FCS playoff games, three lower-level title games and, of course, the CFP National Championship.

    Like a snowflake, every bowl is unique and beautiful in its own right. There's a reason to watch every single one. But a lot of them can be categorized -- the Both Teams Really Care bowls, the Key Players Opted Out bowls, the Disappointing Team Redemption bowls, etc. Mixing in some legit, interesting storylines, let's keep those categories in mind as they ask at least one question of every remaining non-CFP game on the slate (all times ET).

    Jump to a bowl tier:Both teams care | Hot streakersStarting 2024 rightStar QB farewell | The Craig Bohl bowlHow angry is Alabama?| The fireworks in NOLA

    Maybe they haven't bowled (or won a bowl) in a while. Maybe their stars are mostly returning and both of their fan bases have relatively short drives. Whatever the reason, they can usually identify some bowls that are more likely than others to have great atmospheres and motivated teams. They won't be limited to just five of them in the coming weeks, but these five bowls certainly check a lot of Potentially Great Bowl boxes.

    The Best PlayStation 5 Games of 2023

    It might’ve been a terrible year for the games industry as a whole, but it you owned a PlayStation 5 you probably had a lot of fun. The best PlayStation 5 games of 2023 make up a diverse, wide-ranging collection of games from all genres, and no matter what you’re into, you’re bound to find a few games you love on the list below. They had to exclude at least one of their favorites because they only launched on the PlayStation 4 without an official or optimized PlayStation 5 version, but there were more than enough great new PS5 games to go around this year. Here’s their pick for the best of the bunch. And make sure you check out their list of the best Switch games of 2023, too.

    20. Goodbye Volcano High

    Goodbye Volcano High

    Goodbye Volcano High

    It isn’t easy surviving high school—or an extinction-level event. Goodbye Volcano High, a story-driven adventure game from the designers of 2017’s charming interactive toy box Gnog, charges its teenage ennui with the threat of Armageddon, as its cast of anthropomorphic dinosaurs are fully aware an asteroid is coming to destroy their civilization. These lizards share their human frailties, grappling with anxiety, indecision, questions about their identity, romantic hopes and failures, and the chasm of uncertainty they all face as they enter adulthood. Oh, it’s also a rhythm game, where you help its lead character write songs for their very 2020s-sounding indie band. (It turns out songwriting is just as hard as high school and impending doom.) Goodbye Volcano High is more of a visual novel than a traditional game, but its well-told emotional story will resonate with anybody who has ever felt depressed and confused—so, y’know, everybody. Also there’s a cute triceratops who won’t shut up about bugs. She’s cool.—Garrett Martin

    19. Laika: Aged Through Blood

    Laika: Aged Through Blood

    Laika: Aged Through Blood

    Over the last decade, there’s been no shortage of videogames about sad dads, but we’ve been deprived of similar stories following gruff, melancholic moms. Laika: Aged Through Blood , the latest from the Madrid-based developer Brainwash Gang, fills this gap. Laika is a canine gunslinger tasked with protecting her daughter and village from the encroaching imperialistic might of the Birds, a quickly expanding military force that seeks to dominate all non-beaked life. Amidst a Western-tinged wasteland that is bracing for the end, their hero is forced to rely on her six shooters to shield those she cares about from impending doom. Although it has some rough edges, between its slow-mo motocross shootouts, grim but not overbearingly nihilistic backdrop, and thoughtful exploration of imposed sacrificial motherhood, it blends its inspirations to create something tonally unique. Despite its extreme violence and unapologetic bleakness, Laika is defined by a surprising emotional range thanks to its compelling protagonist and her brutal quest to save those she loves.— Elijah Gonzalez

    18. Tchia



    Tchia‘s depiction of the unique Melanesian culture of its developers’ homeland, one rarely seen in mainstream global entertainment, is what makes this Zelda-inspired game so special. Although based in a fictional setting, Tchia underscores the importance of New Caledonia’s traditions through the emphasis on the “coutume,” a customary greeting gift that drives much of the game’s collection. Tchia’s most vibrant moments come after you earn the trust of a village, which often leads to a post-dinner celebration with music and dancing. These elaborately choreographed and directed dance numbers double as rhythm mini-games, with Tchia playing along on a ukulele or various percussion instruments while you try to tap buttons according to the onscreen prompts. And although rural settlements are found throughout the game’s many islands, it also goes out of its way to show that small Oceanic countries like New Caledonia have developed urban centers filled with cars and tall buildings. Tchia doesn’t just want to share New Caledonia’s traditions, but flout whatever stereotypical expectations players from larger countries might have about the archipelago. You can file the unrealistic, sci-fi trappings of the story under that latter goal; instead of relying simply on mysticism and folklore for its more fantastical elements, Tchia mixes that up with a spot of sci-fi to subvert expectations. New Caledonia might be a small country in the middle of the Pacific, the developers at Awaceb seems to say, but that doesn’t mean it stories have to remain stuck in the past.—Garrett Martin

    17. Oxenfree II: Lost Signals

    Oxenfree 2

    Oxenfree 2

    More characters and conversation options fill in the gaps of what feels like a slimmer and tighter sequel, and are smart ways to build on the fairly grounded and simple foundation laid out by the original without bloating the sequel. Camena comes across much more believable than Edwards Island (a tourist trap with zero tourists) without filling the screen with bustling towns and scores of characters that would’ve felt out of place in this story and world. Importantly, none of it really bogs down the experience, which satisfyingly runs its course in about six to seven hours and delves further into what’s been going on in and around this town before the events of the games and since the original title. Oxenfree II, despite its proclivity for confusing jumps and skips in time, loops, and detours into other dimensions, is as direct a sequel as you can make to one of the most impactful games of my life, and I’m glad for it.—Moises Taveras

    16. Baldur’s Gate 3

    Baldur's Gate 3

    Baldur's Gate 3

    Much has been made of how the Dungeons & Dragons-based videogame Baldur’s Gate 3 adapts its tabletop origins, but what’s most interesting about it comes from its videogameness. One of the things that is so thrilling and strange about tabletop to me is that it is negotiable. They can discuss everything, the course is far from set. A videogame, by nature, is bound to its code. There’s unpredictability, sure. But even in a game as big as Baldur’s Gate, there is a single course that all players must chart. There may be hidden secrets, oft-discarded paths, but the general arc of the game is recognizable and familiar to every player. It’s unwise to characterize Baldur’s Gate 3 as a tabletop sim for exactly that reason. It has limits that friends around the table do not have, but that also means it cannot be negotiated with.—Grace Benfell

    15. Jusant



    Don’t Nod’s mountain climbing game Jusant feels like a full body experience. The triggers, which in any other game are defined by verbs like “punch” or “aim” or “shoot,” instead control the grip of your corresponding hands. Climbing isn’t as simple as pressing forward on a vertical surface, it’s rhythmic and full of split-second decision making and considerations. This rhythm entranced me, blurring the lines between realities in my head as I squeezed the triggers for dear life, wholly believing I’d actually plummet from the couch in my living room in Brooklyn if I let go at the wrong time. You know how sometimes you’ll be playing a tense game, need to peek around a corner, and find yourself mimicking your character and craning your neck around the TV? I had a similar experience the entirety of my time playing Jusant. Lunging from one handhold to another, I reflexively found myself pulling back and then jumping forward in my seat. In one of the later chapters, one particularly long, beautiful and harsh climb basically left me winded, though the reality was that the palpable tension of the sequence subconsciously made me hold my breath until I hit a checkpoint.—Moises Taveras

    14. The Making of Karateka

    The Making of Karateka

    The Making of Karateka

    This interactive documentary painstakingly tracks the design of the classic 1984 computer game Karateka. It shows, in exacting detail, how Jordan Mechner created the kung fu fighter, exploring Mechner’s work on both Karateka and his unpublished earlier games through contemporary video interviews, original design notes, correspondence, and multiple iterative prototypes. It reveals the give-and-take between Mechner and his publisher while showing how the then-college aged Mechner’s vision and mindset changed throughout development. Originally released for the Apple II in 1984, Mechner’s game was a bestseller that broke ground for cinematic technique in games, with a clear storyline, cut-scenes, an original score (written by Mechner’s father, Francis Mechner), and editing and cinematography inspired by films. It’s also an early influence on the fighting game; it consists of a series of one-on-one karate fights, similar to Karate Fight and Yie Ar Kung-Fu, which were also both released in 1984. Karateka is like a playable ‘70s kung fu flick, complete with a shocking twist ending if the player isn’t careful. This playable documentary is a brilliant piece of work, and a must-play for Karateka fans and anybody interested in game design.—Garrett Martin

    13. A Space for the Unbound

    A Space for the Unbound

    A Space for the Unbound

    One of the best trends in the modern videogame industry is that it feels like works from all over the world are finally getting their due, allowing developers to tell stories about their own specific cultural experiences. An excellent example is A Space for the Unbound, a narrative-focused adventure game from Mojiken Studio set in ‘90s Indonesia that uses gorgeous pixel art and a cast of sympathetic characters to paint an achingly particular picture of this time and place. They follow Atma and Raya, two high schoolers who uncover a strange phenomenon that threatens their small town. Over the course of this story, it’s hard not to internalize every corner of this neighborhood, from the local arcade full of Street Fighter references to a bridge foregrounded against an impossibly vibrant sky, these backdrops dripping with nostalgic details that make them feel pulled from memory. However, more than just delivering an idealized vision of the past, this well-rendered setting ties us to the emotional journey of its cast, building towards reveals about the dark feelings lingering in their hearts. It may be a slow burn early on, but it all culminates in a powerful climax that thoughtfully handles depictions of mental health issues like depression, making for one of the most moving finales in latest memory.—Elijah Gonzalez

    12. Sea of Stars

    Sea of Screens

    Sea of Screens

    Sea of Stars taps into heaps of the nostalgia for a bygone era of RPGs, conjuring and bottling this magic that made me fall in love with the genre to begin with. For me, it’s the next Golden Sun, but to others it could be the next incarnation of a Breath of Fire or Chrono Trigger. At the end of the day, this ultimately means that it’s a tale of friendship featuring an eclectic cast of playable characters (spanning the pair of Solstice warriors, an assassin and more) set in an isometric RPG with a kinetic battle system. It’s literally colorful, with wonderfully intricate pixel art that puts the biggest games’ artistic direction to shame. Its story, a humdrum coming of age blown up to world-ending proportions, is sweet, if basic. And then Sea of Stars does what its developer, Sabotage Studios, does best and zag where everyone else would zig.—Moises Taveras

    11. Final Fantasy 16

    Final Fantasy 16 isn’t short of reasons to be hesitant about it, but despite them, it sings better than you might think. The story may suffer from the classic Final Fantasy dilemma of tackling a lot of characters and trying to find a time and place for them all, but also holds nothing back in regards to its main themes along the way. The developers may stumble on their way to realizing a fully diverse cast, but that cast is also hugely talented and commands their scenes when needed, bringing layers to characters that could’ve been afterthoughts or simple fodder. Even when Final Fantasy 16 turns away from most of the systems that would make it a compelling and tactical RPG, it embraces a deeply rewarding combat system that lets it be expressive in its own way entirely. It’s a button-mashing, occasionally awkwardly sexed-up and mature action game that seems at least a bit ashamed to fully be an RPG, opting instead to fill the space those systems would occupy with  timed button prompts a decade out of touch and endless spectacles. It is, at once, this cosmically confused product on one hand, and the most self assured thing on the other. In other words, it’s an RPG fitting of the era, and one of the best games of 2023 so far.—Moises Taveras

    10. Dredge



    Dredge is over before you know it, in part because it’s genuinely a short game, but also because it kind of wraps you in its eldritch tendrils and doesn’t let go until you’re done with it. I’ve rarely played a game with a more satisfying and simple loop in an intriguing and dubious world I just wish I could’ve seen more of. Between the cults (yep, this game has got those too) and the sort of unexplained nature of Why This Stretch Of Sea Is Like This™, I think it’s actually a world ripe for even more exploration. But even if nothing more should come out of it, Dredge is a wonderful experience in smooth sailing over choppy (maybe even supernaturally charged) waters.—Moises Taveras

    9. Marvel’s Spider-Man 2

    Marvel’s Spider-Man 2 feels like the best of the three games Insomniac has managed to put out in this series, and this especially helped me explore the game’s nook and crannies to the extent I managed. Web-swinging feels as seamless and kinetic as ever and, to sell a completely different fantasy, Insomniac has given players wings to sort of fly with. It’s more like a glide, but frequent wind tunnels and rooftop vents make it so that you can essentially fly through the city and even into other boroughs with relative ease. In spots like Astoria, which are mostly residential suburbs and thus close to the ground, it feels nice to have the alternative option, which pairs well with a super jump either Spider-Man can now use. Miles has a slight edge in that his Venom lightning powers include a jump and dash forward that especially supply him momentum. These powers also help Miles stand out in combat, emerging as the lither of the two protagonists, whereas Peter and his Spider-Arm tech and Symbiote powers clearly hold more of the brute force. While they stand apart, people will gravitate towards their favorite and will largely find they play them very similarly, especially since they share half their abilities and all their gadgets. It’s a largely commendable sequel, building on what’s come before it in smarter ways than I’d expect from most AAA titles.— Moises Taveras

    8. Armored Core VI: Fires of Rubicon

    Armored Core VI

    Armored Core VI

    Most of what happens in From’s mech game Armored Core VI happens because something needs to. This is not a complex story, the themes are direct and unadorned. There are bits and pieces, information is withheld, endings leave room for speculation. But this is not a game for deep epistemological work. Etymology is explanatory, but not revelatory here. Rubicon has meaning in that From Software has at least done cursory memorizing of Suetonius’ The Twelve Caesars. One of the first real challenges you’ll face is an unhinged, violent AC pilot named Sulla. Does this have any deep hidden meaning? No, not really. You can google it and learn all about Lucius Cornelius Sulla Felix if you want. But it won’t truly deepen your understanding of Armored Core VI like every other piece of media, there is no “unlocking” done by understanding the origins of every term. Mostly things are named what they are because it suits a general theme, things need names, and some names just sound more badass than others. Rubicon, for instance, has plenty of historical significance, but mostly people invoke the word “Rubicon” (a truly uneventful river named because of the iron saturation of the riverbed) when they want to either let you know they think they’re being hard as a motherfucker, or they want to call upon the YOLO or Live Más mentality. You know what also sounds pretty hard? “Let us go where the omens of the Gods and the iniquity of their enemies call us. The die is now cast.” That last sentence is actually the translation for the third ending achievement. There. Saved you a trip to Fextralife.—Dia Lacina

    7. Saltsea Chronicles

    In its portrayal of a society based on mutual entanglement, Saltsea Chronicles resists the temptation to sever its beautifully drawn post-disaster world from reality and make it pure fantasy. Instead, mentions of the world before — their world, it turns out — drip through. Throughout it echoes the philosophies of anarchist and socialist thinkers, as well as existing and pre-existing collectivist societies. In linking the Saltsea archipelago to their world while also making it meaningfully distinct, the game resists becoming an allegory and becomes a story in and of itself. It extends beyond being a mirror for contemporary society and instead becomes an illustration of an alternate path forward, another way they could approach the same issues of climate change and environmental devastation that make up the characters’ pasts and presents. In the same vein, Saltsea Chronicles is interested in the injustices that arise when you attempt to construct a wholly non-hierarchical society. It chooses not to structure post-Flood Saltsea as a perfect utopia, instead noting repeatedly and often the ways it fails. In my time with the game this was what impressed me the most: its commitment to realistically presenting the challenges that would be present in a society that’s nominally about fairness and mutual input. People get greedy and claim power anyway, people leverage non-hierarchy to be in control. And less maliciously, people are forced into a controlling role despite their wishes, because of other people’s expectations and desires. —Emily Price

    6. Resident Evil 4

    Where do you start when remaking a classic? For many, Resident Evil 4 is the quintessential survival-horror game. Time has proven that the game’s shift to action was ultimately the best move. Resident Evil 4 has long been considered an immutable text, and yet at the same time, a large enough contingent of its adorers have clamored for a remake, something that’d necessitate some degree of change to validate its costly existence. The answer, even if it sounds sacrilegious, has been to remix and refine what’s there for a modern crowd .The best possible thing you all could’ve hoped for did come true: The Resident Evil 4 remake is a smashing success. It’s both scary and thrilling, and clears up that not only was its initial success no fluke, but that few titles have properly challenged it ever since. Whether this is your first or most latest trip through its wacky Spanish cult-fest, I’m positive you’ll find lots to love in this game that seems built to last.—Moises Taveras

    5. Cocoon



    Beyond its visual strengths, one of Cocoon’s most fascinating aspects is how its mechanics amplify the mind-expanding qualities evoked by its aesthetics. Just as you’re getting a read on certain repetitive, game-y patterns, such as when a monster encounter or additional power are likely to materialize, things veer off course as the puzzles become increasingly interesting. As its challenges become more complex, they also become increasingly based around cosmic proportions, causing us to feel the odd metaphysics of this space slide around in their gray matter as they undergo a miniature metamorphosis. It’s a genuinely cool effect that feels like the underlying purpose of this endeavor.—Elijah Gonzalez

    4. Venba



    This short, bittersweet visual novel / puzzle game hybrid examines the immigrant experience through the crucial cultural bedrock of cooking. Set across three decades in the lives of an Indian family who’ve resettled in Canada, Venba is yet more proof that games have the unique capacity to engage us emotionally in ways that other mediums can’t. Like the best meals, Venba ends too soon, but it’s so rich and fulfilling that it’ll leave you satisfied.—Garrett Martin

    3. Street Fighter 6

    Street Fighter 6 Is Shaping Up to Be the Future of Fighting Games

    Street Fighter 6 Is Shaping Up to Be the Future of Fighting Games

    All long-running games eventually have to figure out how to attract new players without disenchanting their fans. It’s even tougher with fighting games, and especially one as old, beloved, and rich in history as Street Fighter. Street Fighter 6 has figured out how to cater to its massive following while still welcoming new players, and then providing both with the innovation of a surprisingly deep RPG on top of the core fighting game. Whether you’ve been mixing it up in those streets for decades or never even reeled off a single hadouken before, Street Fighter 6 should be on your fight card. It’s the new standard in fighting game excellence, and one of the best games of 2023.—Garrett Martin

    2. Thirsty Suitors

    Thirsty Suitors

    Thirsty Suitors

    Thirsty Suitors is a rich narrative that carefully and truthfully deals with culture, family, LGBTQIA+ issues, relationships, and self-expression. You meet and interact with a diverse range of characters in terms of race, personality, and gender and sexual identity, and each are developed and dealt with in their own unique ways. The plot introduces a number of different stories for Jala Jayaratne to unearth and resolve. When you’re trying to repair familial relationships, save Timber Hills’s skateboarding scene, and reconcile with exes, it’s hard for each of those stories to develop in complex and evenly-paced ways, but Thirsty Suitors does its best by giving every story its own focused element that defines it and supports the other stories.—Maddie Agne

    Jala is the cool and alternative skater girl I dreamt up when I was younger and wondering what my type was. She’s a vision. She also eschews many of the tropes of romantic characters in games, who are sometimes flattened by the need to be appealing to players by being the multi-faceted protagonist of the story. Sometimes Jala is even unlikeable, lending her dimensions that make her feel like a real person. Rather than turn me away from her, it only solidifies the crush I’ve developed on this character who skirts the line between reality and fantasy wonderfully.—Moises Taveras

    1. Alan Wake II

    Alan Wake II

    Alan Wake II

    Sam Lake reaches the apotheosis of his postmodern kick with this sequel to one of 2010’s most interesting videogames. The Remedy Entertainment head has long tried to break down the barriers between games, film, and literature in a knottier, more avant-garde fashion than the many major studios making “cinematic” games, influenced as much by Pynchon and Twin Peaks as noir or horror movies, and with Alan Wake II he’s crafted another impressive combo of commercial blockbuster and trippy experimentalism. A survival horror game that explores notions of free will, destiny, authorship, and ownership, Alan Wake II doesn’t come close to answering all of the questions it asks, but it raises them with such style, confidence, and confusion that you’ He’ll realize the answers don’t matter. It’s far from a perfect game —the investigation mechanics are inelegant, and Lake’s big narrative swings don’t always connect—but  Alan Wake II does more than any other game to undermine the bullshit dichotomy between “AAA” and “indie” games. Just because a game has a budget and a large team doesn’t mean it has to be a safe, hackneyed, overly familiar genre workout.— Garrett Martin 


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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