Was ist das eigentlich? Cyberrisiken verständlich erklärt

Es wird viel über Cyberrisiken gesprochen. Oftmals fehlt aber das grundsätzliche Verständnis, was Cyberrisiken überhaupt sind. Ohne diese zu verstehen, lässt sich aber auch kein Versicherungsschutz gestalten.

Beinahe alle Aktivitäten des täglichen Lebens können heute über das Internet abgewickelt werden. Online-Shopping und Online-Banking sind im Alltag angekommen. Diese Entwicklung trifft längst nicht nur auf Privatleute, sondern auch auf Firmen zu. Das Schlagwort Industrie 4.0 verheißt bereits eine zunehmende Vernetzung diverser geschäftlicher Vorgänge über das Internet.

Anbieter von Cyberversicherungen für kleinere und mittelständische Unternehmen (KMU) haben Versicherungen die Erfahrung gemacht, dass trotz dieser eindeutigen Entwicklung Cyberrisiken immer noch unterschätzt werden, da sie als etwas Abstraktes wahrgenommen werden. Für KMU kann dies ein gefährlicher Trugschluss sein, da gerade hier Cyberattacken existenzbedrohende Ausmaße annehmen können. So wird noch häufig gefragt, was Cyberrisiken eigentlich sind. Diese Frage ist mehr als verständlich, denn ohne (Cyber-)Risiken bestünde auch kein Bedarf für eine (Cyber-)Versicherung.

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Exam Number : NBCC-NCC
Exam Name : NBCC - National Certified Counselor
Vendor Name : Counselor
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NBCC-NCC exam Format | NBCC-NCC Course Contents | NBCC-NCC Course Outline | NBCC-NCC exam Syllabus | NBCC-NCC exam Objectives

Test Detail:
The NBCC-NCC (National Certified Counselor) exam is a certification exam offered by the National Board for Certified Counselors (NBCC). The exam is designed to assess the knowledge and skills of individuals seeking to become nationally certified counselors. The following description provides an overview of the NBCC-NCC exam.

Course Outline:
To prepare for the NBCC-NCC exam, candidates can undergo training courses that cover the core areas of counseling practice. These courses provide comprehensive knowledge and practical skills required to effectively counsel individuals, couples, and families. The coursework typically covers Topics such as counseling theories, ethics, exam, diagnosis, treatment planning, and professional practice.

Exam Objectives:
The NBCC-NCC exam aims to evaluate the candidate's understanding and proficiency in various areas of counseling practice. The exam objectives include the following:

1. Counseling Theories and Approaches:
- Understanding of major counseling theories and their applications
- Knowledge of evidence-based practices in counseling
- Familiarity with multicultural and diversity issues in counseling

2. Ethical and Legal Standards:
- Understanding of ethical principles and standards in counseling
- Knowledge of legal and professional responsibilities of counselors
- Proficiency in ethical decision-making and resolving ethical dilemmas

3. Assessment and Diagnosis:
- Ability to conduct exams and gather relevant client information
- Knowledge of psychometric principles and exam tools
- Understanding of diagnostic criteria and classification systems

4. Treatment Planning and Intervention:
- Proficiency in developing effective treatment plans
- Knowledge of counseling techniques and interventions
- Understanding of evidence-based approaches to counseling

5. Professional Practice and Ethics:
- Knowledge of professional roles and responsibilities of counselors
- Understanding of professional organizations and credentialing bodies
- Familiarity with legal and ethical issues in counseling practice

Exam Syllabus:
The NBCC-NCC exam syllabus covers a broad range of Topics related to counseling practice. The syllabus includes the following areas of study:

- Counseling theories and approaches
- Counseling techniques and interventions
- Ethics and professional standards in counseling
- Assessment and diagnosis in counseling
- Treatment planning and intervention strategies
- Multicultural counseling and diversity issues
- Legal and ethical considerations in counseling

The NBCC-NCC exam format typically consists of multiple-choice questions that assess the candidate's knowledge and application of counseling principles, ethical standards, exam methods, and intervention strategies. Candidates are expected to demonstrate their competence in providing counseling services and adhering to professional standards.

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Counselor - braindumps


Counselor Education and Supervision

The UW Ph.D. program in counselor education and supervision is targeted to students who already hold a master’s degree from a CACREP-accredited institution or equivalent and are seeking to become counselor educators and advanced practitioners. Students who do not come from CACREP school may have to take additional coursework.

Integrating theory and practice, this program will provide you with expertise and experience in counseling, supervision, teaching, leadership, advocacy, research and scholarship.

Counselor education and supervision Ph.D. graduates from UW go on to establish counseling practices and academic careers.

Questions? Speak with an advisor!

The counselor education and supervision Ph.D. program is a three-year program and only admits students every few years. They will be admitting fall of 2026. The application portal will not open again until spring of 2025. At that time, please apply for fall 2026. 

Admission Requirements

Domestic Students

  • GPA: 3.0
  • GRE: Not required
  • International Students

  • TOEFL: 80 minimum online score, 20 minimum score in each subset and the score must be from within the last 2 years, OR 
  • IELTS: 6.5 minimum overall score with 6 minimum in each subset. 
  • GRE: 151 minimum verbal and 153 minimum quantitative 
  • Other Requirements

  • Master of Arts or Master of Science Degree in Counseling
  • Visit their program's admission page for more information.

    Here is a sampling of courses you will take as a counselor education and supervision Ph.D. student at UW:

  • Play Therapy
  • Supervision Theory
  • Doctoral Practicum in Counselor Education
  • Doctoral Practicum in Supervision
  • Doctoral Seminar I: Professional Identity and Ethics
  • Doctoral Seminar II: Diversity and Social Change
  • Supervised Internship
  • View the full doctor of philosophy in counselor education and supervision curriculum.

    The UW Ph.D. in counselor education and supervision prepares you for a career in academia, readying you to teach the next generation of counselors and advance the discourse in their field.

    Counselor Education and Supervision Careers

    UW Ph.D. alumni in counselor education and supervision have worked in institutions such as:

  • Universiti Putra Malaysia
  • University of Northern Colorado
  • Bridgewater State University
  • Aquinas College
  • University of Wyoming
  • University of Wisconsin-Stout
  • Cathedral Home for Children
  • Lindsey Wilson College
  • Peak Wellness Center
  • Austin Peay State University
  • Counselor working with client

    As a doctoral student you will be expected to conduct systematic inquiry into the counseling field. Some latest dissertation titles include:

  • “Exploration of the Relationship between a Counselor Preparation Program and a Collegiate Athletic Program”
  • “Get Out of Your Way: Educators’ Perceptions of the Self-Defeating Behaviors of High-Achieving Students During Senior Year of High School”
  • “Psychological and Personal Variables as Predictors of the Willingness of International Students to Seek Formal and Informal Counseling Help”
  • “Healthy Marital Relationships among Farming Couples: A Narrative Inquiry”
  • “Assessing the Methods of Identification, the Availability of School-based Support and the Perceived Barriers to Providing Support for Children of Substance Abusing Parents”
  • “Silent Voices in Session: A Narrative Inquiry of How Male Clients Who Identify as Gay Experience Counseling from Male Clients Who Identify as Straight”
  • The counselor education and supervision Ph.D. program at UW will provide you with the freedom and flexibility to pursue a unique path of intellectual inquiry while also making it possible for you to develop college-level teaching skills, acquire supervisory experience and hone new counseling skills.

    Here are some reasons to consider UW’s counselor education and supervision Ph.D. program:



    Acquire college-level teaching experience co-teaching with an undergraduate class with a UW counseling faculty member.


    The UW College of Education is nationally accredited by NCATE. The counselor programs are accredited by the Council for Accreditation of Counseling and Related Educational Programs (CACREP).


    Work with professors who are researching play therapy, expressive arts in counseling, addiction, counselor development and underserved populations, childhood mental health, the development of ethnic identity in children and other important areas.



    Explore graduate assistantships, which provide stipends, opportunities to help faculty with research and college-level teaching experiences. Graduate assistants also help with the day-to-day functions of the counseling clinic.


    Wellspring Counseling Clinic

    Work in the College of Education’s Wellspring Counseling Clinic, which boasts the latest in digital technology and offers individual, group and couples counseling, play therapy and substance abuse evaluations. Doctoral students help with the day-to-day operations of the counseling clinic and supervise students working there. As a Ph.D. student, you will support master’s students working in the clinic as they complete their practicum hours.


    Explore graduate scholarships that are available through the UW College of Education that include:

    Arden White Student Excellence ScholarshipLyle L. Miller Counselor Education FellowshipRelaxation Foundation Donald R. Austin Student Scholarship Fund

    Travel Assistance

    Apply for funding to attend conferences. Both the School of Counseling, Leadership, Advocacy and Design and College of Education and Office of the Dean offer funding opportunities.

    Play Therapy

    Take part in the work of the Rocky Mountain Center of Play Therapy. As one of only a few approved centers for play therapy education, you can work towards becoming a Registered Play Therapist (RPT) or a School-Based Registered Play Therapist (SB-RPT) through the Association for Play Therapy.

    Biennial Play Therapy Conference

    Network with over 200 mental health professionals, school counselors, social workers, and early childhood teachers from around the world as you participate in intensive hands-on workshops from renowned experts during the UW hosted play therapy conference.


    Take part in doctoral practicums in counseling (100 clock hours/40 direct hours) and supervision. Enjoy the opportunity to complete your practica here on campus in the state-of-the-art UW WellSpring Counseling.


    What Does a Clinical Mental Health Counselor Do?

    A clinical mental health counselor taking notes on a clipboard while talking to a client.

    With the National Alliance on Mental Illness (NAMI) reporting that 1 in 5 adults grapple yearly with mental illness, the need for professional care is clear.

    Enter clinical mental health counselors, equipped with the expertise to create a safe haven for clients using therapeutic, evidence-based techniques. And just as importantly, the potential to reshape society's perception of what it means to be well in both body and mind.

    Intrigued by the possibilities of this life-changing profession? Read on to explore whether it could be the right fit for you.

    What Is Clinical Mental Health Counseling, and Why Is It Important?

    According to Dr. Matt Glowiak, a clinical faculty member at Southern New Hampshire University (SNHU), clinical mental health counseling is a therapeutic process in which licensed professionals help their clients address and manage emotional, psychological and behavioral challenges. It serves to promote well-being, enhance coping skills and facilitate personal growth through talk therapy, exam and the development of effective management strategies.

    Dr. Matt Glowiak with the text Dr. Matt GlowiakIn addition to individual importance, Glowiak emphasizes clinical mental health counseling's high cultural importance. He specifically notes the ability of those in the profession to advocate for positive social change by spreading mental health awareness and empowering marginalized voices.

    The demand for experts in the field reflects its importance. In fact, the U.S. Bureau of Labor Statistics (BLS) reports the employment for substance abuse, behavioral disorder and mental health counselors is projected to grow 22% through 2031 — four times faster than the average for all occupations.

    The BLS indicates this rigorous rate is anticipated, in part, as a result of people continuing to seek addiction and mental health counseling services, states seeking treatment and counseling services, and the continued need for counselors to provide military veterans with appropriate care.

    What Does a Clinical Mental Health Counselor Do?

    The American Mental Health Counselors Association (AMHCA) defines clinical mental health counselors as "highly-skilled professionals who provide flexible, consumer-oriented therapy" and "combine traditional psychotherapy with a practical problem-solving approach" to create a path for change.

    "Mental health counseling is housed within the medical professions, as the issues they address with clients are ones in which lives may be at stake," said Glowiak. "Consider, for instance, imminent harm to self or others. If unprepared, one cannot possibly possess the competence and wherewithal to respond accordingly."

    The National Career Development Association (NCDA) notes the day-to-day responsibilities of a clinical mental health counselor tend to vary based on their clients, work environment and specialty.

    However, Mood Health illustrates that the bulk of any clinical mental health counselor's day is typically spent with clients. According to Glowiak, sessions can be held in one-on-one, couples, family and group settings, depending on individualized needs. Outside of scheduled appointment times, explains the AMHCA, some clinical mental health counselors may be on call for crisis situations. This could include helping a client manage acute distress or making them a referral to emergency services.

    Since every client session needs to be carefully chronicled, the American Counseling Association (ACA) highlights documentation as another important element of a clinical mental health counselor's day. Paperwork generally includes exams, progress notes, treatment plans and the like.

    According to Glowiak, mental health counselors repeatedly set aside time to attend workshops, research seminars, and events held by industry-based organizations. This grants them the opportunity to learn the latest research and therapeutic approaches and, in turn, treat their clients most effectively.

    Some clinical mental health counselors may also take it upon themselves to help raise public mental health awareness, notes Counseling Today. This can include things like organizing workshops, speaking in public forums or leading support groups.

    As the role of a clinical mental health counselor can be particularly demanding, the importance of daily self-care should not be overlooked. Glowiak deeply agrees and said, "Self-care is a major theme of the profession, as without it, they cannot supply their all to others. As they say, 'One cannot pour from an empty cup.'"

    Where Do Clinical Mental Health Counselors Work?

    Clinical mental health counselors work in a variety of settings. The BLS specifies the largest employers of substance abuse, behavioral disorder and mental health counselors in 2021 were as follows:

  • Outpatient mental health and substance abuse centers
  • Individual and family services
  • Hospitals — state, local and private
  • Residential mental health and substance abuse facilities
  • Government
  • Other settings may include prisons, probation or parole agencies and juvenile detention facilities. Clinical mental health counselors may also choose to establish their own private practice and work for themselves.

    In terms of time commitment, the BLS notes that "most substance abuse, behavioral disorder and mental health counselors work full time, although part-time work is common. In some settings, such as inpatient or residential facilities, they may need to work evenings, nights or weekends."

    How Much Do Clinical Mental Health Counselors Make?

    The BLS reports the median annual wage for substance abuse, behavioral disorder, and mental health counselors was $48,520 in 2021, with the highest 10% earning more than $77,980.

    Of the top industries in which substance abuse, behavioral disorder and mental health counselors work, government paid the highest median annual wage in 2021 at $60,450, followed by hospitals (state, local and private) at $49,630.

    How Do You Become a Clinical Mental Health Counselor?

    "The process toward becoming a mental health counselor is multifaceted and ongoing. Even when one does become a clinical mental health counselor, continued education (among other requirements) is necessary to maintain licensure," said Glowiak. "One must also abide by federal and state law as well as governing body and institutional policies and standards."

    He notes the initial road to becoming a clinical mental health counselor typically adheres to standardized steps, with some variation depending on your jurisdiction:

  • Earn a bachelor's degree: A bachelor's degree in psychology, counseling, social work or another related field will help you gain a strong understanding of human behavior and psychological principles.
  • Continue on to a master's degree: In addition to your bachelor's degree, you'll need to pursue a master's degree in psychology, counseling or a closely related field.
  • Gain supervised clinical experience: Many candidates choose to earn their state-required hours through an internship or practicum placement while pursuing their master's degree.
  • Pass licensing exams: All states within the U.S. require candidates to pass one or more exams developed by the National Board for Certified Counselors (NBCC). You may also need to pass state-specific exams.
  • Apply for licensure: Once you've completed all of your state's licensure requirements, you can apply for your official license to practice.
  • Depending on the state in which you practice, your official title may differ. The AMHCA lists the following as some of the most common:

  • CMHC: Clinical Mental Health Counselor
  • LPC: Licensed Professional Counselor
  • LMHC: Licensed Mental Health Counselor
  • LPCC: Licensed Professional Clinical Counselor
  • LCPC: Licensed Clinical Professional Counselor
  • NCC: National Certified Counselor
  • After officially obtaining your license, you're free to begin taking on clients in a professional capacity.

    What’s the Difference Between a Psychologist and a Clinical Counselor?

    Though psychologists and clinical mental health counselors are both mental health professionals who work to help others with emotional, psychological and behavioral challenges, there are several key distinctions between the two professions.

    According to Glowiak, these distinctions include but are not limited to:

  • Education: While psychologists typically hold a doctoral degree in psychology, clinical mental health counselors often hold a master's degree in counseling or a closely related field.
  • Focus: Psychologists are trained to conduct comprehensive psychological exams, including cognitive, personality and emotional evaluations. Conversely, clinical mental health counselors are trained in counseling techniques, therapeutic interventions and client-centered approaches.
  • Scope of practice: In most cases, psychologists have a broader scope of practice than clinical mental health counselors, as they are authorized to conduct formal psychological exams and diagnose mental health disorders.
  • Client needs: Psychologists frequently work with clients who struggle with mental health concerns deemed more severe and pervasive than those of a clinical mental health counselor.
  • These professional differences create collaborative opportunities for psychologists and clinical mental health counselors, as they may refer clients to one another to ensure they receive the most comprehensive care.

    Ready to Make a World of Difference?

    When it comes to pursuing a career in clinical mental health counseling, many feel the reward is worth the effort.

    Just ask Glowiak. "Being a mental health counselor is among the most fulfilling careers a person can have," he said. "Though the work is challenging, the fulfillment received in helping someone get to a better place cannot be understated."

    Discover more about SNHU’s master's degree in counseling: Find out what courses you'll take, skills you’ll learn and how to request information about the program.

    Kelly Hamilton is a copywriter in higher education. You can find her on LinkedIn.

    Best Credit Counseling Services Of 2023

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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