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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UPSC Public Administration Optional Syllabus: download PDF for Mains Exam

UPSC Public Administration Mains Syllabus 2023 PDF

The Public Administration optional syllabus is divided into two papers i.e. Paper I and Paper II  in UPSC Mains exam. Each paper is conducted for 250 marks with a total of 500 marks. One must adhere to the UPSC Public Administration mains syllabus and the right resources to increase their chances of scoring Good Marks in the civil services exam. Mentioned below is the topic-wise UPSC Public Administration syllabus for both the papers discussed below.

UPSC Public Administration Mains Optional Syllabus for Paper I

The UPSC Public Administration Mains Syllabus for Paper I covers syllabus like Administrative Thought, Administrative Behaviour, Organisations, Accountability and Control, Administrative Law, Comparative Public Administration, Development Dynamics, Personnel Administration, etc. Check the topic-wise UPSC Public Administration mains Paper I syllabus shared below.

Administration Theory
  • Introduction: Meaning, scope and significance of Public Administration, Wilson’s vision of Public Administration, Evolution of the discipline and its present status. New Public Administration, Public Choice approach; Challenges of liberalization, Privatisation, Globalisation; Good Governance: concept and application; New Public Management.
  • Administrative Thought: Scientific Management and Scientific Management movement; Classical Theory; Weber’s bureaucratic model its critique and post-Weberian Developments; Dynamic Administration (Mary Parker Follett); Human Relations School (Elton Mayo and others); Functions of the Executive (C.I. Barnard); Simon’s decision making theory; Participative Management (R. Likert, C. Argyris, D. McGregor.)
  • Administrative Behaviour: Process and techniques of decision-making; Communication; Morale; Motivation Theories content, process and contemporary; Theories of Leadership: Traditional and Modem:
  • Organizations: Theories systems, contingency; Structure and forms: Ministries and Departments, Corporations, Companies; Boards and Commissions; Ad hoc, and advisory bodies; Headquarters and Field relationships; Regulatory Authorities; Public-Private Partnerships.
  • Accountability and Control: Concepts of accountability and control; Legislative, Executive and judicial control over administration; Citizen and Administration; Role of media, interest groups, voluntary organizations; Civil society; Citizen’s Charters; Right to Information; Social audit.
  • Administrative Law: Meaning, scope and significance; Dicey on Administrative law; Delegated legislation; Administrative Tribunals.
  • Comparative Public Administration: Historical and sociological factors affecting administrative systems; Administration and politics in different countries; Current status of Comparative Public Administration; Ecology and administration; Riggsian models and their critique.
  • Development Dynamics: Concept of development; Changing profile of development administration; ‘Anti-development thesis’; Bureaucracy and development; Strong state versus the market debate; Impact of liberalisation on administration in developing countries; Women and development the self-help group movement.
  • Personnel Administration: Importance of human resource development; Recruitment, training, career advancement, position classification, discipline, performance appraisal, promotion, pray and service conditions; employer-employee relations, grievance redressal mechanism; Code of conduct; Administrative ethics.
  • Public Policy: Models of policy-making and their critique; Processes of conceptualisation, planning, implementation, monitoring, evaluation and review and their limitations; State theories and public policy formulation.
  • Techniques of Administrative Improvement: Organisation and methods, Work study and work management, e-governance and information technology; Management aid tools like network analysis, MIS, PERT, and CPM.
  • Financial Administration: Monetary and fiscal policies: Public borrowings and public debt Budgets types and forms; Budgetary process; Financial accountability; Accounts and audit.
  • UPSC Public Administration Mains Syllabus for Paper II

    The UPSC Public Administration Mains Syllabus for Paper II covers syllabus like the Evolution of Indian Administration, the Philosophical and Constitutional framework of Government, Public Sector Undertakings,  Union Government and Administration, Plans and Priorities, State Government and Administration, etc. Check the topic-wise UPSC Public Administration mains Paper II syllabus shared below.

    Indian Administration
  • Evolution of Indian Administration: Kautilya Arthashastra; Mughal administration; Legacy of British rule in politics and administration Indianization of Public services, revenue administration, district Administration, local self Government.
  • Philosophical and Constitutional framework of Government: Salient features and value premises; Constitutionalism; Political culture; Bureaucracy and democracy; Bureaucracy and development.
  • Public Sector Undertakings: Public sector in modern India; Forms of Public Sector Undertakings; Problems of autonomy, accountability, and control; Impact of liberalization and privatization.
  • Union Government and Administration: Executive, Parliament, Judiciary-structure, functions, work processes; accurate trends; Intra-governmental relations; Cabinet Secretariat; Prime Minister’s Office; Central Secretariat; Ministries and Departments; Boards; Commissions; Attached offices; Field organizations.
  • Plans and Priorities: Machinery of planning; Role, composition and functions of the Planning Commission and the National Development Council; ‘Indicative’ planning; Process of plan formulation at Union and State levels; Constitutional Amendments (1992) and decentralized planning for economic development and social justice.
  • State Government and Administration: Union-State administrative, legislative and financial relations; Role of the Finance Commission; Governor; Chief Minister; Council of Ministers; Chief Secretary; State Secretariat; Directorates.
  • District Administration since Independence: The changing role of the Collector; Union-State-local relations; Imperatives of development management and law and order administration; District Administration and democratic decentralization.
  • Civil Services: Constitutional position; Structure, recruitment, training and capacity building; Good governance initiatives; Code of conduct and discipline; Staff associations; Political rights; Grievance redressal mechanism; Civil service neutrality; Civil service activism.
  • Financial Management: Budget as a political instrument; Parliamentary control of public expenditure; Role of finance ministry in monetary and fiscal area; Accounting techniques; Audit; Role of Controller General of Accounts and Comptroller and Auditor General of India.
  • Administrative Reforms since Independence: Major concerns; Important Committees and Commissions; Reforms in financial management and human resource development; Problems of implementation.
  • Rural Development: Institutions and agencies since Independence; Rural development programmes: foci and strategies; Decentralization and Panchayati Raj; 73rd Constitutional amendment.
  • Urban Local Government: Municipal governance: main features, structures, finance and problem areas; 74th Constitutional Amendment; Global-local debate; New localism; Development dynamics, politics and administration with special reference to city management.
  • Law and Order Administration: British legacy; National Police Commission; Investigative agencies; Role of Central and State Agencies including para military forces in maintenance of law and order and countering insurgency and terrorism; Criminalisation of politics and administration; Police-public relations; Reforms in Police.
  • Significant issues in Indian Administration: Values in public service; Regulatory Commissions; National Human Rights Commission; Problems of administration in coalition regimes; Citizen administration interface; Corruption and administration; Disaster management
  • How to Prepare for UPSC Public Administration Mains Syllabus 2023?

    Public Administration is one of the popular optional subjects in the UPSC mains exam. Therefore, one should clear the concepts of all the exam-relevant syllabus as it will allow them to answer the questions correctly in the exam. With this, they must develop a robust UPSC Public Administration preparation strategy and books. Check the best tips and tricks shared below to cover the entire UPSC Public Administration mains syllabus.

  • Understand Syllabus: One should be well-acquainted with the UPSC Public Administration mains syllabus to cover all the syllabus and sub-topics important from an exam perspective. 
  • Clear Concepts: The next tip is to learn the fundamentals of all the syllabus prescribed in the syllabus. It is crucial to master the concepts thoroughly to answer the questions correctly in the exam.
  • Previous Year Papers: Practice UPSC Public Administration's previous year's papers to understand the syllabus along with the question weightage asked in the exam.
  • Practice of Answer-writing: After covering at least 40% of the syllabus, one should commence answer-writing practice. This will help them to learn the way to manage their time effectively with speed and accuracy.
  • Solve Mock Tests: Candidates must practice full-length tests to analyze their performance and gauge their preparation level. Also, it will help them to discover their mistakes and allow them to focus more on their weak areas.
  • Booklist for UPSC Public Administration Mains Syllabus

    A wide range of UPSC Public Administration books and resources are available online and in the local market that cover all the aspects of the UPSC Public Administration Mains Syllabus. Let’s look at the paper-wise books for the Public Administration optional subject shared below:

  • Public Policy: Concept, Theory, and Practice by Bidyut Chakrabarty and Prakash Chand
  • New Horizons of Public Administration by Mohit Bhattacharya
  • Administrative Thinkers by Prasad and Prasad
  • Public Administration-Laxmikant
  • IGNOU BA and MA Notes
  • Essentials of organizational behavior by Stephen Robbins
  • Public Administration And Public Affairs by Nicholas Henry

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    Best free PDF editor overall

    (Image credit: PDF24)

    A streamlined PDF creator and editor offered for free

    Specifications

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    Plan: Free

    Developer: Geek Software

    Features include: PDF editor, PDF reader, conversion, merging, eSign, OCR

    Reasons to buy +

    Completely free

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    Fast and light

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    Lots of features for every need

    Reasons to avoid -

    Occasionally a bit clunky

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    Windows-only

    PDF24 Creator is their pick for best free PDF editor overall. You may find the website a tad dated, but the tool is surprisingly feature-rich.

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    Best free PDF editor online

    (Image credit: PDF Candy)

    Free online PDF editor with something for everyone

    Specifications

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    Plan: Free, Subscription, Perpetual license

    Developer: PDF Candy

    Features include: PDF editor, PDF reader, conversion, compression, merging, eSign

    Reasons to buy +

    Free online editor

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    Loads of features and tools

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    OCR capabilities

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    Windows version available

    Reasons to avoid -

    No Mac or mobile apps

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    Free version only allows for one task each hour

    PDF Candy is ideal if you want a free online PDF editor and a way to edit PDF files in your browser. You’ll also find a desktop version available for Windows if you upgrade to the lifetime license. 

    Easily one of the best free PDF editors online, it's delightfully simple to use - everything is clean, clear, and easy to navigate. And it's absolutely packed with functionality, with an impressive 47 different tools for editing, altering, converting PDF files, and so much more. During their tests, they found PDF editing as effortless every other function in the software, delighted that "editing text in a PDF file isn’t a million miles away from editing a word processor document."

    The free version places a one-task-per-hour limit - e.g., processing an edited PDF file or converting a document. This can be removed by setting up a monthly or annual subscription, or purchasing it outright for a one-off payment. The latter also grants access to the Windows-only desktop PDF editor app. If restriction is too much to bear, and you don't need everything the platform offers, try PDF24 Creator - it's fully free across the board. 

    Elsewhere, PDF Candy has a good amount of useful tools and features. This includes the option to edit PDF files online, convert documents to a variety of formats, merge and compress PDFs. 

    On top of that, PDF Candy lets you easily extract text and images, resize pages, and add watermarks.  In total, there are an impressive 47 different tools to help you manage and edit PDF files. All features are found in a handy list of buttons, so you won't spend ages looking for what you need. Overall, they found service delightfully simple, but as with even the best free PDF editors, an upgrade unlocks its full potential.   

    Read their full PDF Candy review

    Best free PDF editor for Android and iPhone

    (Image credit: SmallPDF)

    The lightweight, online, conversion king of PDF editors

    Specifications

    Platform: Web, Windows, Android, iOS

    Plan: Free, Subscription

    Developer: Smallpdf

    Features include: PDF editor, PDF reader, scanner, conversion, compression

    Reasons to buy +

    Cloud-based

    +

    Powerful range of tools

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    Allows you to convert PDFs to other formats

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    Cross-platform (for a price)

    Reasons to avoid -

    Can only process two documents per day

    -

    Extra cost for desktop app

    Smallpdf was created with a single goal in mind: edit and compress PDFs. 

    But what sets it apart from the competition is its extensive multi-lingual support, available in 24 different languages and used in 195 countries around the world.  

    Long considered one of the best free PDF editors online - you can make all the changes you need from your browser - the user experience is excellent and incredibly easy to use. When they tested Smallpdf, they found the lightweight, cloud-based tool perfect for simple tasks, but not ideal for high-volume editing or advanced features. 

    We found using the PDF editor very straightforward. Upload your PDF via the website, and begin making annotations and taking notes. They also liked the option to add pictures, text and shapes to a PDF. Once the necessary changes are made, Smallpdf gave us the option to compress a PDF or export it as a Word, Excel or PowerPoint file.

    There are restrictions, as you'll find in many of the best free PDF editors. Chiefly, you're locked to two tasks per day - so a fully free tool like PDF24 Creator or Canva might be a better choice for more consistent use. 

    If you want even more functionality, you can upgrade to Smallpdf’s premium edition. While the web version is slightly cheaper, you can pay a bit more to take advantage of the desktop version so you can work offline. Alongside a web PDF editor and Windows desktop app, users can also install the PDF editor on Android and iOS phones.

    Read their full Smallpdf review 

    Best free PDF editor for signatures

    DocHub's PDF editor during their tests

    (Image credit: DocHub)

    Edit, share, and sign documents

    Specifications

    Platform: Web, Windows, Mac, Android, iOS

    Plan: Free, subscription

    Developer: DocHub

    Features include: PDF editor, eSign, Google and Dropbox integration

    Reasons to buy +

    Great range of signature options

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    Google and Dropbox integration

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    Wide filetype support

    +

    Easy to use

    Reasons to avoid -

    Minor glitches were reported by some users.

    -

    Not made for demanding, advanced workflows

    If you’re looking for a free PDF editor with signing capabilities, DocHub is worth considering. When they went hands-on with the software, they described it as “a true gem, delivering comprehensive functionality without burdening users with unnecessary expenses.” 

    The free plan has limits, but it’s relatively generous if you’re only a casual user. You’re allowed 2,000 documents, five eSignatures, three sign requests, and three email attachments per day. The pro plan, which costs $10 per user per month, lifts these restrictions for unlimited document editing. Subscribing also adds a handful of features and tools, like a wide font library and the ability to add drop-down menus to PDFs. 

    During their time with DocHub, they found it intuitive and easy to navigate, with a good line in security for businesses. You’ll find an excellent page manager, where you can rearrange, label, rotate, add, or delete pages - just right click for all the options. And field creation was equally wide-ranging, letting you add extras like text boxes and legally binding signatures. Sharing and collaboration tools, ensuring you get documents signed by others, are also plentiful. 

    But it’s not as feature-filled as dedicated PDF editors, and on the free plan, you’ll only have access to three basic fonts - Courier New, Times New Roman, Helvetica. But for getting your documents signed, it's absolutely up to job. 

    Read their full DocHub review 

    Best free PDF editor for designers

    Building a templated PDF document in the free Canva PDF Editor

    (Image credit: Canva)

    Design and edit PDFs right in your browser

    Specifications

    Platform: Web, Windows, Mac, iOS, Android

    Plan: Free, Subscription

    Developer: Canva

    Features include: PDF editor, reader, designer

    Reasons to buy +

    Incredibly easy to use

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    Free with very few limits

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    Ideal for designing documents

    Reasons to avoid -

    Lacks advanced tools

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    Browser-based only

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    No OCR and eSign tools

    Canva’s free PDF editor is a good choice if you’re looking to create documents from scratch or re-edit an existing file. 

    Like the platform’s design app and logo maker, the browser-based editor is pure child’s play.  If you’re familiar with Canva’s other free tools, you won’t find any surprises here. And if you’ve never made or edited a PDF document before, it won’t take long to master the tools and build professional-looking assets. Select an element, drag it into position, and that’s that. It offers a decent amount of customization. You’ll also find it packed with stock images and vector graphics that can be added to your file. 

    When they reviewed Canva - one of the best free PDF editors with design capabilities - they were especially impressed with its ability to turn existing PDFs into editable documents. Upload your file and the tool smartly identifies the different elements on the page - text boxes, images, background colors, that sort of thing. You’re then free to click and modify (or delete) any of these. 

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    Read their full Canva PDF Editor review 

    Best free PDF editor for Mac

    (Image credit: Apple)

    Read, take notes, and much much more

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    Platform: Mac

    Plan: Free

    Developer: Apple

    Features include: PDF manipulator, reader, highlighter, annotations

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    Included with all Macs

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    Image-editing tools included

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    Can annotate and add signatures to PDFs

    Reasons to avoid -

    Only available for macOS

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    Lacks OCR

    Apple’s Preview app is free, and as you’d imagine, only available on Apple devices like the MacBook. It’s designed to let you preview many different image formats, but its most interesting feature is its ability to view, interact with, and manipulate PDFs.

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    Best free PDF editor for minor edits

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    An effective tool to modify PDFs online

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    Features include: PDF manipulator, scanner, compression, conversion, protection, merge, OCR

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    Good for minor document manipulation

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    Certain features require subscription

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    Not a full PDF editor

    I Love PDF is an online service that allows you to manipulate PDF files in a number of ways. You can merge files together, split a single one into multiples, and convert documents to and from the PDF format. The only thing you can't do is alter the original content of a PDF, although you can add additional text boxes, images and shapes.

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    Best free PDF editor for data security

    (Image credit: Sejda)

    Best free PDF editor for data security

    Specifications

    Platform: Web, Windows, Mac, Linux

    Plan: Free, Subscription

    Developer: Sejda

    Features inlcude: PDF editor, compression, conversion, protection, merge, eSign

    Reasons to buy +

    No account required

    +

    Simple and easy to use interface

    +

    Uploaded files are deleted after 2 hours

    Reasons to avoid -

    File size limitations

    -

    Time restrictions on free tier

    Sejda, like PDF Candy and Smallpdf, is one of the best free PDF editors available online in your browser. You can also grab a separate free downloadable, editable PDF app for desktops. 

    What sets it apart from other similar offerings, however, are its security features. All files uploaded to the service are automatically wiped from its servers after two hours. This means you can use it to work on sensitive documents without having to be panic about your data being leaked or stolen.

    Sejda as a convincingly power PDF editor - in their tests, they found that using it is incredibly self-explanatory, and it was frankly difficult to fault the tools on offer. On the other hand, they were disappointed by the lack of precision over layout and movement controls. In fact, during their time on the platform, they were noted a big flaw: "While you will find that it is possible to edit text, you're likely to find that fonts are changed, making it apparent precisely where edits have been made."

    Sejda also offers a desktop version with the biggest difference being that all of the processing is handled locally as opposed to in the cloud. Regardless of which free version you choose, Sejda limits you to working on a maximum of three tasks per day, one file at a time and files can’t be larger than 50MB or 200 pages.

    In addition to being able to edit PDF text, you can add new text as well as images including shapes and drawings. Sejda also lets you add annotations, create forms, whiteout sections of a document and more. However, it's worth noting that free users will get hit by the file size and time restrictions. For those that do decide to upgrade, Sejda is available as a weekly, monthly or annual subscription though there are discounts for larger teams with multiple users.

    Read their full Sejda review 

    Best free PDF editor: FAQs What is a PDF editor?

    A PDF editor lets you assemble a Portable Document Format (PDF) file from scratch, as well as amend the content of existing PDF files. The format was released by Adobe in 1993 as a way to standardize documents viewed across different platforms, devices, and screens. Most PDF editors come with the ability to convert, or batch convert, common file types such as Microsoft Office’s Word, PowerPoint, and Excel to and from the PDF format. You’ll also find more advanced tools like optical character recognition (OCR) software. 

    Are the best free PDF editors good?

    Whether or not a free PDF editor is best for you will largely depend on how you’ll use it, and where. While there are some free PDF desktop apps that work offline, they don’t always feature multi-platform and mobile support. Many others are only available online in your browser. You'll find some have extra features, complete with the best PDF merger tools and best PDF compressors for most home and office uses. But others are bereft of anything but the basics. So, it can be hit-and-miss. Free PDF editors can also impose usage limits, such as the amount of files you can import, or export, per day. As such, they’re often better for light users, or to get a taste for the tool.  After testing out paid-for editors, they wanted to take a look at the good and the bad of the best free PDF editors to see what's there and what's not and whether a free PDF editor is a good alternative to a paid app. 

    Should I use a free PDF editor?

    Free PDF editors are popular and good for general use, though they lack the advantages and features of paid versions. 

    Many free tools impose limits that can only be unlocked with a lifetime license or subscription. If you open and editor a lot of PDF documents, you'll need to be selective choosing the best free PDF editor. This is one of the main reasons why they loved PDF24 Creator and if you're a heavy PDF user, this is the one they recommend. 

    Most free PDF editing software, however, is fine for occasional or semi-regular use. If you don't need a lot of features and fancy tools, there's plenty of options out there. 

    Where businesses may hesitate in choosing a free PDF editor over a paid app is data security. It's worth being aware of some of the reasons why organizations often tend to go premium in their guide 5 reasons why you should avoid free PDF editors

    How do I edit a PDF for free?

    All PDF editors are designed differently - although tools and layouts follow a similar pattern. We’ve covered several ways to alter documents in the most popular paid-for and free PDF editors with their guide How to edit a PDF.

    We've also highlighted the best method in Sedja PDF editor in their guide How to edit a PDF for free.

    Is there a completely free PDF editor?

    PDF24 Creator is a completely free PDF editor. It's free of charge, free of spyware, and it's their pick for best free PDF editor overall. But there are loads of amazing free PDF editing software depending on your needs and device/platform - many also include paid-for upgrades for premium features. 

    Does Windows 10 have a free PDF editor?

    Windows 10 doesn't include a built-in free PDF editor. You'll need to download a third-party app to create and edit any PDF files. However, like most browsers, the Windows 10 Edge browser features one of the best free PDF readers. It's a little basic, but ideal for quickly viewing and highlighting documents online. 

    How to choose the best free PDF editor for you

    Trying to decide which free PDF editor is best for you? Free PDF software tends to be less feature-filled than premium counterparts like out Editor's Picks. But there are a few features to look out for. 

    Document editingMake sure you can edit documents. We've tested plenty of the best PDF readers Windows and the best PDF readers for Mac, and while some let you modify a document, they don't offer full editing capabilities. You don't want editing software that won't let you design a document from scratch.

    Collaboration toolsPDFs are essential in digitally minded organization - so check your free PDF editor has tools for sharing, commenting, leaving notes, and making annotations to documents.

    eSignaturesWith uses from HR to sales, digital signatures are fast becoming business-critical. Some of the top-rated free tools include the best eSign software for collecting and securely storing legally binding signed documents. 

    Converter A really good free PDF editor will include conversion tools, letting you change a filetype from or to an editable PDF document. We've hand-tested everything from the best Word to PDF converters to the best PDF to AutoCAD converters, and they know how useful this feature is for all kinds of workflows. 

    Cloud storage Reducing and saving storage space is one of the big benefits to PDF documents, so it's worth checking whether the best cloud storage is integrated into the platform. This will mean you can easily and securely access and share documents from connected devices. 

    Optical character recognition Optical character recognition (OCR) may be a nice-to-have for some users, but it will be essential for anyone with too many paper files unsecured and taking up space. When a free PDF editor has the best OCR software equipped, it can scan and convert paper documents into digital documents, making them easy to securely store.

    How they test the best free PDF editors

    We've tested a host of PDF apps, including the best PDF readers for Android and the best PDF to PowerPoint converters. They take the same user-centric approach to all their testing, reviewing, and rating. We've looking for seamless user experiences, clear signposting, documentation, and support. We're also looking for toolkits that match the workflows of intended users. 

    To test for the best free PDF editors, they first set up an account with the relevant software platform, whether as a download or as an online service. 

    We then tested the service using a handful of PDF files to see how the PDF editor could handle editing not just text, but also images, as well as tables imported from Microsoft Excel. 

    The aim was to push each software platform to see whether it could simply and easily not just edit a range of content types but also do so faithfully and consistently without introducing formatting issues or similar problems.

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    Warum sind Cyberrisiken so schwer greifbar?

    Als mehr oder weniger neuartiges Phänomen stellen Cyberrisiken Unternehmen und Versicherer vor besondere Herausforderungen. Nicht nur die neuen Schadenszenarien sind abstrakter oder noch nicht bekannt. Häufig sind immaterielle Werte durch Cyberrisiken in Gefahr. Diese wertvollen Vermögensgegenstände sind schwer bewertbar.

    Obwohl die Gefahr durchaus wahrgenommen wird, unterschätzen viele Firmen ihr eigenes Risiko. Dies liegt unter anderem auch an den Veröffentlichungen zu Cyberrisiken. In der Presse finden sich unzählige Berichte von Cyberattacken auf namhafte und große Unternehmen. Den Weg in die Presse finden eben nur die spektakulären Fälle. Die dort genannten Schadenszenarien werden dann für das eigene Unternehmen als unrealistisch eingestuft. Die für die KMU nicht minder gefährlichen Cyber­attacken werden nur selten publiziert.

    Aufgrund der fehlenden öffentlichen Meldungen von Sicherheitsvorfällen an Sicherheitsbehörden und wegen der fehlenden Presseberichte fällt es schwer, Fakten und Zahlen zur Risikolage zu erheben. Aber ohne diese Grundlage fällt es schwer, in entsprechende Sicherheitsmaßnahmen zu investieren.

    Erklärungsleitfaden anhand eines Ursache-Wirkungs-Modells

    Häufig nähert man sich dem Thema Cyberrisiko anlass- oder eventbezogen, also wenn sich neue Schaden­szenarien wie die weltweite WannaCry-Attacke entwickeln. Häufig wird auch akteursgebunden beleuchtet, wer Angreifer oder Opfer sein kann. Dadurch begrenzt man sich bei dem Thema häufig zu sehr nur auf die Cyberkriminalität. Um dem Thema Cyberrisiko jedoch gerecht zu werden, müssen auch weitere Ursachen hinzugezogen werden.

    Mit einer Kategorisierung kann das Thema ganzheitlich und nachvollziehbar strukturiert werden. Ebenso hilft eine solche Kategorisierung dabei, eine Abgrenzung vorzunehmen, für welche Gefahren Versicherungsschutz über eine etwaige Cyberversicherung besteht und für welche nicht.

    Die Ursachen sind dabei die Risiken, während finanzielle bzw. nicht finanzielle Verluste die Wirkungen sind. Cyberrisiken werden demnach in zwei Hauptursachen eingeteilt. Auf der einen Seite sind die nicht kriminellen Ursachen und auf der anderen Seite die kriminellen Ursachen zu nennen. Beide Ursachen können dabei in drei Untergruppen unterteilt werden.

    Nicht kriminelle Ursachen

    Höhere Gewalt

    Häufig hat man bei dem Thema Cyberrisiko nur die kriminellen Ursachen vor Augen. Aber auch höhere Gewalt kann zu einem empfindlichen Datenverlust führen oder zumindest die Verfügbarkeit von Daten einschränken, indem Rechenzentren durch Naturkatastrophen wie beispielsweise Überschwemmungen oder Erdbeben zerstört werden. Ebenso sind Stromausfälle denkbar.

    Menschliches Versagen/Fehlverhalten

    Als Cyberrisiken sind auch unbeabsichtigtes und menschliches Fehlverhalten denkbar. Hierunter könnte das versehentliche Veröffentlichen von sensiblen Informationen fallen. Möglich sind eine falsche Adressierung, Wahl einer falschen Faxnummer oder das Hochladen sensibler Daten auf einen öffentlichen Bereich der Homepage.

    Technisches Versagen

    Auch Hardwaredefekte können zu einem herben Datenverlust führen. Neben einem Überhitzen von Rechnern sind Kurzschlüsse in Systemtechnik oder sogenannte Headcrashes von Festplatten denkbare Szenarien.

    Kriminelle Ursachen

    Hackerangriffe

    Hackerangriffe oder Cyberattacken sind in der Regel die Szenarien, die die Presse dominieren. Häufig wird von spektakulären Datendiebstählen auf große Firmen oder von weltweiten Angriffen mit sogenannten Kryptotrojanern berichtet. Opfer kann am Ende aber jeder werden. Ziele, Methoden und auch das Interesse sind vielfältig. Neben dem finanziellen Interesse können Hackerangriffe auch zur Spionage oder Sabotage eingesetzt werden. Mögliche Hackermethoden sind unter anderem: Social Engineering, Trojaner, DoS-Attacken oder Viren.

    Physischer Angriff

    Die Zielsetzung eines physischen Angriffs ist ähnlich dem eines Hacker­angriffs. Dabei wird nicht auf die Tools eines Hackerangriffs zurückgegriffen, sondern durch das physische Eindringen in Unternehmensgebäude das Ziel erreicht. Häufig sind es Mitarbeiter, die vertrauliche Informationen stehlen, da sie bereits den notwendigen Zugang zu den Daten besitzen.

    Erpressung

    Obwohl die Erpressung aufgrund der eingesetzten Methoden auch als Hacker­angriff gewertet werden könnte, ergibt eine Differenzierung Sinn. Erpressungsfälle durch Kryptotrojaner sind eines der häufigsten Schadenszenarien für kleinere und mittelständische Unternehmen. Außerdem sind auch Erpressungsfälle denkbar, bei denen sensible Daten gestohlen wurden und ein Lösegeld gefordert wird, damit sie nicht veröffentlicht oder weiterverkauft werden.

    Ihre Cyberversicherung sollte zumindet folgende Schäden abdecken:

    Cyber-Kosten:

    • Soforthilfe und Forensik-Kosten (Kosten der Ursachenermittlung, Benachrichtigungskosten und Callcenter-Leistung)
    • Krisenkommunikation / PR-Maßnahmen
    • Systemverbesserungen nach einer Cyber-Attacke
    • Aufwendungen vor Eintritt des Versicherungsfalls

    Cyber-Drittschäden (Haftpflicht):

    • Befriedigung oder Abwehr von Ansprüchen Dritter
    • Rechtswidrige elektronische Kommunikation
    • Ansprüche der E-Payment-Serviceprovider
    • Vertragsstrafe wegen der Verletzung von Geheimhaltungspflichten und Datenschutzvereinbarungen
    • Vertragliche Schadenersatzansprüche
    • Vertragliche Haftpflicht bei Datenverarbeitung durch Dritte
    • Rechtsverteidigungskosten

    Cyber-Eigenschäden:

    • Betriebsunterbrechung
    • Betriebsunterbrechung durch Ausfall von Dienstleister (optional)
    • Mehrkosten
    • Wiederherstellung von Daten (auch Entfernen der Schadsoftware)
    • Cyber-Diebstahl: elektronischer Zahlungsverkehr, fehlerhafter Versand von Waren, Telefon-Mehrkosten/erhöhte Nutzungsentgelte
    • Cyber-Erpressung
    • Entschädigung mit Strafcharakter/Bußgeld
    • Ersatz-IT-Hardware
    • Cyber-Betrug