Was ist das eigentlich? Cyberrisiken verständlich erklärt

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

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

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

Wo erhalte ich vollständige Informationen über P3OF?

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Vendor Name : Exin
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P3OF exam Format | P3OF Course Contents | P3OF Course Outline | P3OF exam Syllabus | P3OF exam Objectives

Multiple choice examination questions

50 questions per paper with one mark available per question

40 minutes duration

30 marks required to pass (out of 50 available) – 60%

Closed book.

The P3O® certification scheme has been developed to offer two levels of certification, Foundation and Practitioner. AXELOS has accredited PeopleCert as their exam Institute (EI) and PeopleCert then accredits a network of Accredited Training Organizations (ATOs), including their trainers and course material. The ATOs and accredited trainers offer P3O training courses and examinations.

The purpose of the Foundation certification is to confirm that you have sufficient knowledge and understanding of the P3O guidance to interact effectively with, or act as an informed member of, an office within a P3O model. The Foundation certification is a pre-requisite for the Practitioner certification.

The Portfolio, Programme and Project Offices (P3O®) guidance provides advice, supported
by discussion and examples, on how to develop a governance structure that helps optimize
an organizations investment in change alongside its Business as Usual work.
P3O qualifications are currently offered are two levels: Foundation and Practitioner.
The primary purpose of the syllabus is to provide a basis for accreditation of people involved
with P3O. It documents the learning outcomes related to the use of P3O and describes the
requirements a candidate is expected to fulfil in order to demonstrate that these learning
outcomes have been achieved at each qualification level.

The target audience for this document is:

 exam Board

 exam Panel

 APMG Assessment Team

 Accredited Training Organizations

This syllabus informs the design of the exams and provides accredited training organizations
with a breakdown of what the exams will assess. Details on the exam structure and content
are documented in the P3O Foundation and Practitioner Designs.

The purpose of the Foundation qualification is to confirm that a candidate has sufficient
knowledge and understanding of the P3O guidance to interact effectively with, or act as an
informed member of, an office within a P3

The candidate should understand the key principles and terminology within the P3O
guidance. Specifically the candidate should understand the:

 High-level P3O model and its component offices

 Differences between Portfolio, Programme and Project Management

 Key functions and services of a P3O

 Reasons for establishing a P3O model

 Differences between types of P3O model and the factors that influence selection of the most appropriate model

 Processes to implement or re-energize a P3O

 Tools and techniques used by a P3O

 Purpose and major responsibilities of the defined roles

Level Topic

Key PPM definitions:

1. PPM

2. Portfolio, programme and project

3. Portfolio, programme and project management

4. Business as Usual

What a P3O is:

1. Definition of P3O

2. The potential elements of a P3O model and their definitions Understand key concepts relating to the Overview, Principles of a P3O model and its elements including the Introduction to P3O.

Specifically to identify:

Key concepts of a P3O:

1. The objectives of and differences between portfolios, programmes and projects

2. The objectives of and differences between portfolio, programme and project management and how they help to deliver change
The organizational context of P3O:

1. The relationship between Business as Usual, change and PPM

2. How the elements of a P3O model align to portfolio, programme and project lifecycles

How a P3O provides a decision-enabling/deliverysupport model and how each P3O model element helps to deliver change
What a P3O is:

1. The relationships between the elements in a P3O model and the organization

2. The objectives and key functions of each P3O model element

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Exin Programme book


Program Construction

Crossref Citations

This Book has been cited by the following publications. This list is generated based on data provided by Crossref.

Connolly, John H. 1991. Some issues in the clinical application of computational linguistics. Clinical Linguistics & Phonetics, Vol. 5, Issue. 1, p. 65.

Connolly, John H. 1992. Book reviews : Computers in applied linguistics: an international perspective Martha C. Pennington and Vance Stevens, editors Clevedon: Multilingual Matters, 1992. viii + 328 pp. Child Language Teaching and Therapy, Vol. 8, Issue. 3, p. 342.

The Food Programme’s Books of 2023

The team choose one book that has made them think and one that’s made them cook from the last year, while Sheila visits a group of young food activists to discuss practicing habits and food.

Christmas lists to the ready! Cookbook sales are on the up, according to data by Nielsen, and we’ve bought almost £60 million of them in the last year. But what exactly are they buying and reading? What books stood out to the presenters of The Food Programme this year? And, with TikTok taking an ever-more dominant role in food inspiration, is the role of the cookbook coming to an end? All that, plus guest chef appearances and a review of one of the most talked about food books of the year, in this year’s books wrap up by The Food Programme.

Here are the books chosen by those featured in the programme this year:

Chosen by Dan Saladino, presenter on Radio 4’s The Food ProgrammeNational Dish: Around the World in Search of Food, History and the Meaning of Home, by Anya von BremzenInvitation to a banquet: The story of Chinese food, by Fuschia Dunlop

Chosen by Leyla Kazim, presenter on Radio 4’s The Food ProgrammeA New Way To Bake: Re-imagined Recipes for Plant-based Cakes, Bakes and Desserts, by Philip KhouryThe Dinner Table: Over 100 writers on food, compiled by Ella Risbridger and Kate Young

Chosen by Sheila Dillon, presenter on Radio 4’s The Food ProgrammeThe Secret of Cooking: Recipes for an Easier Life in the Kitchen, by Bee WilsonUltra-Processed People: Why Do They All Eat Stuff That Isn’t Food...and Why Can’t They Stop? By Dr Chris van Tulleken and Xand van Tulleken et al.

Chosen by Jaega Wise, presenter on Radio 4’s The Food ProgrammeVintage Crime: A Short History of Wine Fraud, by Rebecca GibbGin: A Tasting Course, by Anthony Gladman

Chosen by Nina Pullman, producer on Radio 4’s The Food ProgrammeThe Farmer’s Wife: My life in days, by Helen RebanksBold Beans: Recipes to Get Your Pulse Racing, by Amelia Christie-Miller

Chosen by Julius Roberts, author of The Farm TableBrutto: A (simple) Florentine cookbook, by Russell Norman

Chosen by Poppy O’Toole, author of The Actually Delicious Air fryer CookbookHave You Eaten?: Deliciously Simple Asian Cooking for Every Mood, by Verna Gao (@vernahungrybanana)

Chosen by Rukmini Iyer, author of the Roasting Tin series and India ExpressThe Flavour Thesaurus: More Flavours: Plant-led Pairings, Recipes and Ideas for Cooks, by Niki Segnit

Chosen by Melissa Hemsley, author of Feel Good and Eat GreenImad’s Syrian Kitchen, by Imad Alarnab

Chosen by Kathleen Smith, cookery book buyer at Topping and Company bookshopThe Secret of Cooking: Recipes for an Easier Life in the Kitchen, by Bee WilsonBitter, by Alexina Anatole

Chosen by George Harris, creative director at Tin Shed Theatre CompanyGood Housekeeping’s Basic Cookery in Pictures (1953)

Also mentioned in the programmeRavenous: How to get ourselves and their planet into shape, by Henry and Jemima Dimbleby

Books chosen by Bite Back activists Dev, Jayda and Alice:Fast Food Nation: The Dark Side of the All-American Meal, by Eric SchlosserFactfulness: Ten Reasons We're Wrong About the World – and Why Things Are Better Than You Think, by Hans RoslingSpoon-Fed: Why almost everything we’ve been told about food is wrong, by Tim Spector

Book Proposal Development Grants

Supporting Diverse Voices

We recognize that there are myriad opportunities to support authors in the earliest stages of a book’s development, specifically the ideas-to-proposal stage. In support of their unequivocal commitment to equitable and inclusive publishing, they want to ensure this early stage support is available to the greatest diversity of prospective authors. With Supporting Diverse Voices grants, they offer historically excluded and underrepresented scholars around the globe the opportunity to develop a book proposal in group or one-on-one settings with one of their partnering book coaches, each with her own approach to the collaborative development process.

The Supporting Diverse Voices grants cover the costs of these collaborations. Each grantee will have a sponsoring PUP editor who will work with authors and coaches throughout the process. Following coaching, grantees agree to give PUP the right to consider the resulting proposals exclusively, before they are submitted to any other publishers for consideration. For any projects PUP does not pursue, Press editors will mentor grantees on alternative possible publishing paths.

Grants will be administered twice during the calendar year, with particular disciplines and groups specified for eligibility each cycle.

Autumn 2023 Grant Cycle Black, Indigenous, and People of Color Scholars in the Humanities

In this application cycle, they are seeking non-fiction work by BIPOC scholars in the humanities in the fields of literary studies, classics, history, ancient history, art and architectural history, urban history, religious studies, philosophy, and education/Skills for Scholars.

We are particularly interested in projects that employ the book proposal development process to expand the scope of a project to reach a wider audience within or beyond the academy. They welcome applications from scholars around the world, especially those whose institutions represent underrepresented viewpoints (including MSIs, HBCUs, or universities in the Global South), as well as scholars whose institutions do not have the resources to support manuscript development. They are currently not considering proposals for works of fiction, poetry, edited volumes or anthologies, or translations.

Applications for this cycle are now closed. 

How to Apply

The next application cycle will open in Winter 2024. Until then, they invite you to review the descriptions of the book coaches in the section below and consider partners with whom you might like to work.

Meet Their Coaches Julia Boss | Julia Boss Editing

Getting your ideas onto the pages of a book—and that book onto library shelves—is essential to a scholarly career. The book proposal is the form in which you first articulate your research as the book it will become and introduce yourself to presses as a partner in the work of creating it. Authors who choose to work with Julia Boss will receive personal coaching in an outcomes-based model focused on a single goal: creating a frictionless practicing experience for the acquisitions editors and other decision makers who will read your book proposal.

A flexible-format coaching program breaks the proposal down into a series of writing and revision tasks, culminating in a developmental edit of the complete proposal package (proposal and one demo chapter). Working with Julia, you can choose between face-to-face and asynchronous coaching options, depending on the communications modality that best supports your writing process; you will receive her detailed written feedback on all drafts. Together you will address reader expectations for the book proposal as a form, consider the respective readerships for the proposal and the eventual book, define the work your book performs and how each chapter supports it, demystify the function of comps (comparative titles), and examine the ways you already share your ideas in public as they develop an audience for the book to come.

Julia has read hundreds of nonfiction book proposals over the course of her career, working first in trade nonfiction and for the past twenty years as a developmental editor focused on scholarly and other serious nonfiction writing. Authors she has worked with have placed books with competitive publishers including Cambridge University Press, University of Toronto Press, Oxford University Press, Notre Dame Press, and many others and have won prizes from the Modern Languages Association and the Society for Literature, Science, and the Arts.

Website: juliabossediting.com

Michelle Boyd, Ph.D. | Composed Writing Retreat, InkWell Academic Writing Retreats

The Composed Writing Retreat is a transformative, retreat-based training program that teaches scholars to overcome their writing fears and create a calm, confident, productive writing practice. The power of Composed lies in its unique experiential learning program. It not only trains scholars to overcome writing blocks; it goes further, providing the container, support, and guided practice they need to truly transform their relationship with writing from one of fear to one of trust. Scholars who complete Composed call it “magical,” but it’s not magic—it’s science. The program is rooted in literatures showing that each scholar has their own natural writing process, and that many of their struggles come from their inability to recognize, access or follow that process when they need it. Composed trains scholars to uncover their process, build a routine around it, and use it to work through the emotional and psychological barriers to writing. It was designed by InkWell founder, Michelle Boyd, Ph.D., a self-described “struggling writer” whose success as an award-winning writer and former tenured faculty member belied the challenges she faced throughout her career as an academic. Every scholar leaves Composed with a customized method for make meaningful, measurable progress any time they write so they can boost their productivity and reconnect with the pleasures and satisfactions of writing long after the retreat is over. Inkwell: June 4–9, 2023 (Virtual).

Website: inkwellretreats.orgTwitter: @InkWellRetreatsInstagram: @inkwellretreats Linkedin: InkWellRetreats

Jane Joann Jones, Ph.D. | Up In Consulting  

For first-time book authors, the book proposal is a brand-new genre of writing that in some ways defies that to which they’ve become accustomed, such as dissertations and scholarly journal articles. As such, it’s imperative to learn how to effectively communicate the “so what” of your project—and believe you’re capable of doing so. This is especially important for underrepresented authors who may lack mentorship or knowledge of academic publishing conventions. Jane Jones, founder of Up In Consulting, works with writers in a 6-step process where she walks you through a brainstorming session and multiple drafts of the proposal. First, you will meet with Jane for an initial 1-hour coaching session to discuss the book project and your goals. Upon completion of the coaching session, Jane will send you a memo outlining suggestions for the direction of your proposal. Together, you will determine the delivery date for the submission of the proposal first draft. Jane will review the proposal and offer feedback—written and/or oral depending on extent and nature of revisions. You will review the feedback, can request clarification if necessary, and revise in preparation for final draft. Finally, Jane will review the final draft and copyedit the proposal for submission.

Website: upinconsulting.comInstagram: @janejoannphdLinkedin: JaneJoannJones

Laura Portwood-Stacer | Manuscript Works

Authors who choose to work with Laura Portwood-Stacer will be enrolled in the Manuscript Works Book Proposal Accelerator, a six-week group program that guides scholars through the process of developing and pitching a compelling book proposal. In a series of 12 brief modules, the Accelerator breaks down what prospective authors need to know about scholarly book publishing, what they need to do in order to craft a compelling proposal, and how they can make their proposal stand out in the eyes of editors and publishers.

As participants in the Accelerator use the modules to craft each component of their proposal, they can post their drafts in the group platform for quick feedback from Laura. This allows participants to not only get responsive advice about their projects but also to benefit from seeing how other scholars approach the proposal and book development process. The Accelerator also includes five live Q&A sessions held on Friday mornings (Pacific time). Sharing work in the group platform and attending the live Q&A sessions is totally optional for all participants. Private coaching is not part of the Accelerator program—any material on which authors wish to receive feedback must be posted to the group platform within the designated six weeks of the Accelerator.

Authors do not need to have a proposal drafted yet before participating in the Accelerator, but they should come prepared with a loose project description and chapter summaries. The program will be held from January 7–February 24, 2022 and June 3–July 21, 2022.

Laura Portwood-Stacer, PhD, is the author of The Book Proposal Book: A Guide for Scholarly Authors and the founder of Manuscript Works, a consultancy serving academic authors around the world. Her Book Proposal Accelerator program has helped hundreds of scholars gain clarity on the book publishing process and confidently pitch their books to competitive presses. Past participants have received offers on their books from publishers such as Princeton University Press, Oxford University Press, University of Chicago Press, the MIT Press, Duke University Press, and many others. Learn more about Laura’s approach to editing and publishing at her website and in her weekly newsletter.

Website: manuscriptworks.comTwitter: lportwoodstacerInstagram: manuscriptworks LinkedIn: lportwoodstacer

Jordana Moore Saggese PhD | Forza Coaching

Jordana is a tenured full professor in the humanities, at an R1 university, an award-winning academic author, an experienced editor, and a certified life coach. She knows what it’s like to work on the tenure-track as a first-generation woman of color, to write and to publish (three) academic books, and to balance teaching, research, and service with a life that includes three kids and a dog. As the founder of Forza Coaching, she supports academics in the development of their research and writing across all stages—from initial idea to final draft. Jordana works with clients to demystify academic publishing, to strategize methods for achieving their goals, and to craft a focused and sustainable writing practice. Services include project management, 1:1 mindset coaching, as well as developmental editing. So, if you are looking for a comprehensive and bespoke research program that allows you to ditch the self-doubt and to manage your mind so that you can reach your highest potential, this is the coach for you. If you choose Forza Coaching as your partner, you will receive (1) an initial 60-minute consultation to discuss project goals and status of the work; (2) a template for drafting a project timeline with clear and realistic benchmarks; (3) personalized support from Jordana via five coaching calls to monitor your progress; and (4) two rounds of editorial feedback on each of your three documents – proposal narrative and two demo chapters.

Website: forza-coaching.comInstagram: @forza.coach

Helen Sword | Stylish Writing Intensive

Helen Sword is Professor Emerita at the University of Auckland and an international expert on academic writing across the disciplines. As the author of research-based books including Stylish Academic Writing (Harvard UP, 2012), The Writer’s Diet (Chicago UP, 2016), Air & Light & Time and Space: How Successful Academics Write (Harvard UP, 2017), and Writing with Pleasure (Princeton UP, 2022), she aims to empower writers around the world to write more clearly, confidently, prolifically, and with greater pleasure. Helen’s flagship Stylish Writing Intensive is a transformational program for academics who aspire to maximize the impact and outreach of their research by publishing engaging, inspiring scholarly prose. Your personalized schedule over the three days of this immersive online (virtual) retreat (October 19-22, 2023 and March 21-24, 2024) will include a carefully curated blend of structured writing time, advanced writing and editing workshops, asynchronous feedback, and craft-focused coaching with Helen as part of an intimate cohort. You will also receive one year of free membership in the WriteSPACE, an international community of academic, professional, and creative writers who meet online for weekly Virtual Writing Studio sessions and monthly Special Events with invited guests. To learn more about Helen and her work, check out her Resources for Writers website and sign up for her free newsletter.

Website: helensword.comTwitter: @helens_word Instagram: helens_word LinkedIn: helen-sword Newsletter: Helen’s Word

Margy Thomas, Ph.D. | ScholarShape

Margy Thomas, Ph.D., founder of ScholarShape, helps you center your scholarly work around your deep wisdom and intrinsic motivation so that the scholarship you create expresses what you believe is true and important, resonates with readers, and contributes to the collective project of healing the world. Using the flexible structure of ScholarShape’s Story-Argument model, you can navigate the uncertainties of the scholarly process with a sense of purpose even when you don’t know where you’re going—which, for many of us, is most of the time. Learn more and sign up for the free Scholar Magic course at ScholarShape.com. 

Website: ScholarShapeTwitter: @ScholarShapeInstagram: @scholarshape

Leslie Wang, Ph.D. | Your Words Unleashed

Leslie Wang is a writing coach and the creator of Your Words Unleashed, a signature coaching program that helps scholars master their writing habits and publish books that matter. She helps authors from diverse disciplines draw wisdom from their own histories, overcome imposter syndrome, and make decisions grounded in their core values so they can write with joy and purpose. She empowers writers from marginalized backgrounds to transform the world with their ideas.

Your Words Unleashed helps authors develop the practical strategies and unshakable self-confidence to write their first book. Leslie works intensively with individuals through eight 1:1 coaching sessions over six months, with the goal of a completed book proposal. Her holistic process involves creating a sustainable writing schedule and realistic goal setting, managing internal blocks, identifying an ideal audience, and locating the book’s core message. Throughout, Leslie will provide feedback on your writing and ideas.

A certified life coach and former tenured professor, Leslie is also an ethnographer and the author of two scholarly books. Her coaching brings together an intimate understanding of academic writing, scholarly publishing, and the context of higher education. To learn more about Leslie and her work, check out her website or listen to her podcast.

Website: yourwordsunleashed.comLinkedIn

Previous Grant Cycles Grant Cycle | Winter 2023 (closed)Black, Indigenous, and People of Color scholars in the social sciences

The fifth cycle of PUP’s Supporting Diverse Voices: Book Proposal Development Grants was launched in support of non-fiction works by Black, Indigenous, and People of Color in the social sciences. Applicants submitted projects in the social sciences in the fields of anthropology, economics, politics and international relations, and sociology. They were particularly interested in projects that aim to reach a wider audience of non-academic readers. They welcomed applications from scholars around the world and the opportunity was open to previously published authors and first-time authors alike.

Grant Cycle | Summer 2022 (closed)Black, Indigenous, and People of Color scholars in the sciences

In this application cycle, we sought non-fiction work by Black, Indigenous, and People of Color scholars in the sciences. They welcomed a wide range of subjects and readerships for project proposals, including books intended for general readerships, scholarly monographs, and textbooks. Applications were sought  for projects in the following subject areas: in physics, earth science, biology, nature, neuroscience, computer science, and the mathematical sciences. This opportunity was open to previously published and first-time authors alike.

Grant Cycle | Winter 2022 (closed)Black, Indigenous, and People of Color scholars in the humanities

In this application cycle, we sought non-fiction work by Black, Indigenous, and People of Color scholars in the humanities. They welcomed a wide range of subjects and readerships for project proposals, including books intended for general readerships, scholarly monographs, and textbooks. This opportunity was open to previously published and first-time authors alike.

Grant Cycle | Summer 2021 (closed)BIPOC scholars in economics, sociology, politics & international relations, anthropology, and urban studies

In the summer 2021 application cycle, we sought non-fiction work by BIPOC scholars in the social sciences in the fields of economics, sociology, politics and international relations, anthropology, and urban studies.

Grant Cycle | Winter 2021 (closed)Woman, transgender, and gender expansive authors in science and mathematics

In the inaugural application cycle in winter of 2021, they sought non-fiction work by women, transgender, and gender expansive authors in science and mathematics, including scholars and journalists.


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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