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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CyberArk PAM-DEF : CyberArk Defender exam Dumps

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Exam Number : PAM-DEF
Exam Name : CyberArk Defender
Vendor Name : CyberArk
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PAM-DEF exam Format | PAM-DEF Course Contents | PAM-DEF Course Outline | PAM-DEF exam Syllabus | PAM-DEF exam Objectives

Exam Specification: PAM-DEF CyberArk Defender

Exam Name: PAM-DEF CyberArk Defender
Exam Code: PAM-DEF
Exam Duration: 120 minutes
Passing Score: 70%
Exam Format: Multiple-choice
Exam Delivery: Proctored online or at a testing center

Course Outline:

1. Introduction to Privileged Access Management (PAM)
- Overview of PAM and its significance
- Introduction to CyberArk as a PAM solution
- Key concepts and terminology in PAM

2. CyberArk Architecture and Components
- Understanding the components of CyberArk infrastructure
- Deployment options and system requirements
- High availability and scalability considerations

3. CyberArk Defender Fundamentals
- Introduction to privileged accounts and credentials
- Defining privileged access policies
- Monitoring and auditing privileged activities

4. CyberArk Installation and Configuration
- Preparing the environment for CyberArk deployment
- Installing and configuring CyberArk components
- Integrating with target systems and applications

5. Privileged Account Security and Management
- Securing privileged accounts and credentials
- Password management best practices
- Session isolation and session management

6. Monitoring and Auditing Privileged Activities
- Configuring and managing auditing and logging in CyberArk
- Monitoring privileged sessions and activities
- Generating reports and alerts for privileged access

7. CyberArk Defender Operations and Troubleshooting
- Managing user access and permissions
- Handling access requests and workflow approvals
- Troubleshooting common issues and errors

Exam Objectives:

1. Demonstrate understanding of Privileged Access Management (PAM) concepts and the role of a CyberArk Defender.
2. Understand the architecture and components of CyberArk infrastructure.
3. Install, configure, and manage CyberArk components according to best practices.
4. Define and enforce privileged access policies in CyberArk.
5. Secure privileged accounts and credentials using CyberArk.
6. Monitor and audit privileged activities in CyberArk.
7. Perform operational tasks such as managing user access, handling access requests, and workflow approvals.
8. Troubleshoot common issues and errors related to CyberArk deployment and operations.

Exam Syllabus:

Section 1: Introduction to Privileged Access Management (10%)
- Overview and importance of Privileged Access Management
- Introduction to CyberArk as a PAM solution
- Key concepts and terminology in PAM

Section 2: CyberArk Architecture and Components (15%)
- Components of CyberArk infrastructure
- Deployment options and system requirements
- High availability and scalability considerations

Section 3: CyberArk Defender Fundamentals (15%)
- Privileged accounts and credentials
- Privileged access policies in CyberArk
- Monitoring and auditing privileged activities

Section 4: CyberArk Installation and Configuration (20%)
- Preparing the environment for CyberArk deployment
- Installing and configuring CyberArk components
- Integration with target systems and applications

Section 5: Privileged Account Security and Management (15%)
- Securing privileged accounts and credentials
- Password management best practices
- Session isolation and session management

Section 6: Monitoring and Auditing Privileged Activities (15%)
- Configuring and managing auditing and logging in CyberArk
- Monitoring privileged sessions and activities
- Generating reports and alerts for privileged access

Section 7: CyberArk Defender Operations and Troubleshooting (10%)
- Managing user access and permissions
- Handling access requests and workflow approvals
- Troubleshooting common issues and errors

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Have questions about COVID tests? Here's what to know about expiration dates, free testing and more

Both COVID cases and hospitalizations have climbed in exact weeks, leading to heightened concerns ahead of the usual cold and flu season.

But this time around, the director of the Center's for Disease Control and Prevention, insists "we're in a different place," explaining that widespread immunity - either from contracting COVID or getting vaccinated - has reassured public health officials, NBC News reported.

Still, with an uptick in cases, you might be wondering what to do if you or a family member happens to contract COVID-19. If it has been a while since you came down with COVID, it's understandable if you've questioned whether testing guidance has changed in exact months.

Furthermore, questions are possible too, like can you still use expired COVID tests? Here's everything you need to know, including what to do if you test positive, where you can get discounted or free COVID tests and more.

When should you take a COVID test?

If you experience any symptoms associated with COVID, health officials recommend that you get tested as soon as possible. The following are a number of symptoms of the virus - but not all:

  • Fever or chills
  • Cough
  • Shortness of breath or difficulty breathing
  • Fatigue
  • Muscle or body aches
  • Headache
  • New loss of taste or smell
  • Sore throat
  • Congestion or runny nose
  • Nausea or vomiting
  • Does it matter which test you take?

    Called the "the gold standard" of COVID tests by the CDC, PCR tests are more likely to detect the virus than antigen tests. However, it may take up to three days to receive results, because samples must be taken to a laboratory. Antigen tests, meanwhile, are very accurate and reliable, and typically produce results in 15 to 30 minutes, according to the CDC. However, they're generally less likely to detect COVID than PCR tests --- especially if you're not showing symptoms.

    If you're planning on taking just one test, a PCR might be your best option. If you take an antigen test and receive a negative result, the CDC recommends that you take another antigen test within 48 hours or undergo a PCR test to confirm your results.

    What should you do if you test positive?

    Anyone who tests positive, according to the CDC, should stay home for at least 5 days and isolate from others in their home. If you must be around others, it's recommended that you wear a high-quality mask or respirator to protect those around you, according to health officials. If your symptoms are improving and you've been without a fever for at least 24 hours, you may end isolation after day 5. If you still have a fever, continue to isolate until you're fever-free for 24 hours.

    What if your test is expired? Can you still use it?

    If you happen to have COVID tests lying around, and you think they're expired -- they might not be. The Food and Drug Administration said on its website that tests' authorized expiration dates may go beyond the date printed on the box.

    To see if the expiration date has been extended and how to find a new expiration date, the FDA suggests you check its list of Authorized At-Home OTC COVID-19 Tests. It's important to note that the FDA doesn't recommend using at-home COVID tests past their authorized expiration dates.

    Where can you still get COVID tests for free?

    While you could previously order free COVID tests online through a government website, that's no longer the case. The COVIDtests.gov program, which distributed more than 755 million tests, stopped accepting orders on June 1.

    However, free or discounted tests may still be available to those in need. Through its Increasing Community Access to Testing program, the CDC offers no-cost COVID-19 testing for uninsured individuals who are either symptomatic or have been exposed to COVID. Head here to find a testing site near you.

    If you have insurance, it's likely you will be reimbursed or an in-network facility will provide a test at no cost. Additional information on the reimbursement process can be found on the Centers for Medicare and Medicaid Services website.

    Bitdefender Antivirus Free Edition

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    Best free PDF reader (2023)

    The best free PDF reader apps are perfect for viewing documents, collaborating online, and making changes to your PDF files without any subscription charges or one-off fees. 

    Using your browser is the easiest way to read a PDF online, but options are usually limited. To do more with your documents, both online and offline, it’s worth investing time in the best PDF editors, the best free PDF editors, or dedicated PDF reader software. 

    PDF readers are the ideal solution for casual users looking for easy-to-use apps and platforms. Better still, the very best free PDF readers come equipped with plenty of tools for power-users. So, look out for features like free PDF to Word converters that put you in control of your documents. 

    With plenty of options out there, it can be a challenge identifying which free PDF reader is best for you. To help you find the right tool for your work, we’ve tested out a range of options, exploring everything from performance with large files to cross-platform compatibility and the best cloud storage integration.  

    Today's best PDF reader deals The best free PDF reader of 2023

    (Image credit: Adobe)

    Best free PDF reader overall


    Operating system: Windows, macOS

    Reasons to buy +

    Multi-platform support


    Handles large PDFs with ease


    Tab view for multiple documents

    Reasons to avoid -

    Relatively large


    Regular 'upgrade to Pro' ads


    Some tools paywalled

    Adobe Acrobat Reader DC is a free PDF reader software for Windows and Mac (with Android and iOS PDF reader apps available, too). And it's their top choice for best free PDF reader overall - although they found features one massive downside.

    The top PDF viewer is designed with two purposes in mind: the first is to enable you to read and interact with PDF files (including adding annotations and even signing a document). 

    The second is to convince you to upgrade to the paid version of the software (which, you’ve guessed it, has many more features, including the ability to create and edit PDF files).

    If it wasn’t for the latter, Acrobat Reader would be a decent addition to your software library. It’s simple, easy to use, and comes with all the basic features you need to interact with PDF files. In their review, they reckoned that “Adobe Acrobat Reader DC is one of the best free PDF readers for anyone looking to view documents and manipulate them in some way.”

    Sadly, the adware side of things is pretty much everywhere: you get ‘try now’ buttons, you’re offered to use powerful tools but later are asked to pony up some cash in order to actually use them, there’s even a ‘7-day trial’ button. If you can overlook this, it’s a great tool, but there are less obtrusive ones out there.

    Read their full Adobe Acrobat Reader DC review

    (Image credit: Foxit)

    Best free PDF reader for wide platform support


    Operating system: Windows, macOS, Linux, Android, iOS, Citrix

    Reasons to buy +

    Allows you to create PDFs


    Safe mode disables Javascript


    Lightweight download

    Reasons to avoid -

    Some features require extensions


    No OCR in free version

    Foxit PDF Reader is more than just a free PDF reader – you can also create PDFs from scratch using this software. Integration with Microsoft Office allows you to easily turn documents you’re working on into PDFs. Or, you can scan a document or image and turn it into a PDF using Foxit Reader. The only thing that’s lacking in the free version is support for optical character recognition in scanned documents.

    The software can be a little intimidating at first, but it’s relatively straightforward to navigate. That’s thanks to the fact that it uses the same ribbon-style menu as Microsoft Office. Tools for editing, signing, highlighting, and commenting are fairly easy to access. You can also merge or split PDFs by downloading free add-ons for the software. 

    Another advantage to Foxit PDF Reader is that it offers security. There’s a Safe studying mode that allows you to automatically disable Javascript embedded in downloaded PDFs.

    Note that with the software's latest update, Foxit seems to have removed its PDF virtual printer driver, meaning you can no longer use the software to create PDFs.

    Read their full Foxit PDF Reader review

    (Image credit: Investintech)

    Best free PDF reader that's fast and lightweight


    Operating system: Windows, macOS, Linux

    Reasons to buy +

    Small obtain size 


    Loads extremely quickly


    Can convert file types

    Reasons to avoid -

    No editing 


    Not many features overall

    Slim PDF is the best free PDF reader if you’re looking for something incredibly lightweight. The software obtain is really small, so is the perfect choice if you’re limited by hard drive space. Plus, that means that it’s able to open and load your documents faster than most of its competitors.

    In their review, they called it "a sleek, minimalist PDF reader that only takes up a couple of megabytes on your hard drive." The downside to this small size is that Slim PDF is pretty basic. You can search and rotate documents, but that’s about it. 

    And you have to go in knowing that. Slim PDF feather-light when it comes to features. If you're looking for a PDF editor, you won't find it here. Nor will you find tools for signing, filling, commenting, or highlighting, let alone multiple studying modes. This application reads PDFs plain and simple, cut and dry. 

    While there is a menu option to convert a PDF to a Word document, doing this requires another software download. On the other hand, if your needs are similarly simple, the free PDF reader might just be the solution for you.

    As a result, Slim PDF is truly just a PDF reader. It does a good job at this, though, leaving out the toolbars that can distract you from what you’re reading. If you frequently need to print PDFs, Slim PDF is one of the fastest and most simple options available.

    Read their full Slim PDF review

    (Image credit: Nitro)

    Best free PDF reader that's feature-rich and packed with tools


    Operating system: Windows, macOS

    Reasons to buy +

    Touchscreen mode 


    Plenty of annotation tools


    Simple ribbon-style menu

    Reasons to avoid -

    No document signing or filling


    Lacks advanced features found in Nitro Pro

    The Nitro PDF Reader is another powerful free PDF reader in the vein of Foxit Reader and Adobe Acrobat DC. What makes this tool different is that it has a touchscreen mode that’s perfect if you’re working on a tablet. Touchscreen mode is especially nice for studying e-books, since you can flick the pages rather than scroll or click on a button.

    While you can’t fill and sign PDFs with Nitro Reader - this is, after all, a pared back version of Nitro's Pro PDF editor, with no OCR or the ability to insert, remove,  and reorder pages) - it remains an excellent tool that will make everyday document-wrangling much easier.

    The software does a nice job of enabling collaboration. You can annotate documents with underlining and strikethroughs in addition to highlighting. Comments are also supported, and they appear like sticky notes that are easy to spot as you read through a document. Helpfully, the software also allows you to convert between PDF and other document formats.

    The software has a ribbon-style menu that will be familiar to Microsoft Office users. The menu is pretty easy to navigate since there aren’t all that many options available in Nitro Reader. Overall, they found the app to be a remarkably powerful free PDF reader that's packed with handy features you'll use time after time, all presented in a clear, adaptable interface.

    Read their full Nitro PDF Reader review

    (Image credit: Tracker Software)

    Perfect if you need a free PDF reader with built-in OCR


    Operating system: Windows

    Reasons to buy +

    Optical character recognition


    Text editing


    Splits and extracts pages

    Reasons to avoid -

    Free version watermarks documents



    Rather than just being a free PDF reader, PDF-XChange Editor is also a free PDF editing program for Windows. The interface is a little more complex than some others but gives you easy access to plenty of helpful features. 

    For most users, the main reason to use PDF-XChange Editor is the fact that it comes with inbuilt Optical Character Recognition (OCR). This means that if your original PDF document is a photocopy, PDF-XChange will still recognize the text and allow you to edit it. Also, PDF-XChange Editor lets you reformat text, and even convert it into fonts that aren’t already loaded on your computer. You can use this platform to merge or split individual PDF files. 

    It's not the perfect free PDF reader, however. There is one big, unignorable disadvantage to using the app: it'll stamp a 'Created with PDF X-Change Editor' watermark on any PDF file you export. That disappears once you sign up to the Pro version, but it's still an issue that's going to put some people off. 

    During their tests, they ultimately felt that while nothing stood out as incredible, there was also nothing that stood out as frustrating or annoying either. Under the right circumstances, it's a great product that has the ability to be your one and only PDF editor without any compromise.

    Read their full PDF-XChange Editor review


    (Image credit: airSlate)

    Best free PDF reader for viewing only


    Operating system: Web, Windows, Mac, iOS, Android

    Reasons to buy +

    Cross-platform with apps for online, on Windows, Mac, iOS, and Android


    Customer support is responsive


    Plenty of editing tools


    No sign-up to read PDFs

    Reasons to avoid -

    Full toolkit  requires subscription


    Advanced tools may prove steeper learning curve than most

    pdfFiller serves up a very simple free PDF reader experience. If your needs are basic, it’s quick and easy to upload your document and read it via your browser, or through the Windows, Mac, Android, and iOS apps. Not only is the PDF viewing process free, you won’t even need to sign up to read files. 

    However, the platform is actually a full PDF editor, with plenty of additional features for document creation and editing like fillable forms, data redaction tools, online collaboration, digital signatures, and PDF converters. After a thorough review process, they ultimately felt that the platform is “a very versatile PDF document management system” for both personal and business use. 

    When it comes to a straight PDF viewer, pdfFiller’s free service feels hobbled by the inability to do anything beyond studying files. You can tweak documents, but they’ll remain locked on your dashboard and unavailable as a PDF file. To really get the most from the service - and, to be fair, it offers a fair amount - you’ll need to subscribe to one of three monthly/annual subscription plans. Enterprise licensing is available, too, for teams of ten or more. 

    Read their full pdfFiller review 

    The best free PDF readers: FAQs How to choose the best free PDF reader for you

    Why you can trust TechRadar They spend hours testing every product or service they review, so you can be sure you’re buying the best. Find out more about how they test.

    When deciding which PDF reader is best to obtain and use, first consider which parts of your PDF file you need to change. If you’re just trying to add information to a form digitally, you’ll only need a basic editor that supports text insertion.

    However, if you need to change the content of a PDF substantially, you’ll require a more powerful PDF software program that can make modifications to text or images already stored in the file. In some cases, especially if you want to change almost all the content of your file, it may be better to use a fully functioning PDF Editor or even the best PDF to Word converter instead.

    What is a PDF reader?

    A PDF reader is a program used to open, view, and print PDF (Portable Document Format) files. First introduced in the 1990s, PDF files are an excellent way to distribute documents containing text, images, and various other media types.

    Many modern browsers can read PDF files, but the best free PDF readers still have their place. These dedicated programs supply users more ways to interact with the file and offer greater control over how the document appears on the screen.

    PDF files were designed to appear and function the same on any piece of hardware, so you'll find PDF readers for Android and other mobile devices too.

    Do I need a PDF editor or a PDF reader?

    Deciding between a PDF editor and a PDF reader comes down to how you'll use the software. PDF readers are primarily designed to view documents - although many include online collaboration tools like commenting, highlighting, and annotating content. Altering a PDF file is often limited to small edits and manipulation. A PDF editor lets you design and create documents from scratch and make large changes. They almost always include powerful tools for power-users, like built-in OCR software and digital signature tools. 

    Are free PDF readers safe?

    If you keep your computer secure and obtain PDF software from the official source, you should be well-protected. But, as with many free tools, there are always risks. We've outlined five common reasons why free PDF editors may not be right for your organization - and the issues can be similar with free PDF readers. We've also looked at the main differences between paid-for vs free PDF editors. 

    Are the best free PDF readers worth it?

    The best free PDF readers feature plenty of tools for viewing and sharing PDF files - however, they're often slightly more limited compared to paid-for counterparts. In many cases, they offer a taste of how the software works, with upgrades and subscriptions that add more tools. If you're only studying PDFs on your computer or mobile device, a browser will likely meet your needs. If you're frequently in and out of documents, making minor edits, and sharing files, a full PDF reader will likely suit you best. 

    How they test the best free PDF readers

    We test the best free PDF readers against the factors that users care about - from the interface and experience to performance and platform availability.

    We also assess each tool against its use-case. Some want a lightweight reader, others need one packed with plenty of other PDF utilities for professional use - so they look at how well the free PDF readers deliver for their intended audience. 

    We also ensure that free means free - no hidden charges. Any subscriptions, lifetime licenses, and upgrade fees must be clearly signposted. 

    As part of their overall testing process, we've also reviewed and rated free and premium platform-specific PDF readers.

    + Best PDF readers for Windows+ Best PDF readers for Mac+ Best PDF readers for Android

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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