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 PMI-001?

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PMI PMI-001 : Project Management Professional - PMP (PMBOK 6th Edition) exam Dumps

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Exam Number : PMI-001
Exam Name : Project Management Professional - PMP (PMBOK 6th Edition)
Vendor Name : PMI
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PMI-001 exam Format | PMI-001 Course Contents | PMI-001 Course Outline | PMI-001 exam Syllabus | PMI-001 exam Objectives

Analytical skills
 Benefit analysis techniques
 Elements of a project charter
 Estimation tools and techniques
 Strategic management
 Change management planning
 Cost management planning, including project budgeting tools and techniques
 Communications planning
 Contract types and selection criteria
 Estimation tools and techniques
 Human resource planning
 Lean and efficiency principles
 Procurement planning
 Quality management planning
 Requirements gathering techniques (e.g., planning sessions, brainstorming, and focus groups)
 Regulatory and environmental impacts exam planning
 Risk management planning
 Scope deconstruction (e.g., WBS, Scope backlog) tools and techniques
 Scope management planning
 Stakeholder management planning
 Time management planning, including scheduling tools and techniques
 Workflow diagramming techniques

Continuous improvement processes
 Contract management techniques
 Elements of a statement of work
 Interdependencies among project elements
 Project budgeting tools and techniques
 Quality standard tools
 Vendor management techniques

Performance measurement and tracking techniques (e.g., EV, CPM, PERT, Trend Analysis)
 Process analysis techniques (e.g., LEAN, Kanban, Six Sigma)
 Project control limits (e.g., thresholds, tolerance)
 Project finance principles
 Project monitoring tools and techniques
 Project quality best practices and standards (e.g., ISO, BS, CMMI, IEEE)
 Quality measurement tools (e.g., statistical sampling, control charts, flowcharting, inspection, exam)
 Risk identification and analysis techniques
 Risk response techniques
 Quality validation and verification techniques

Archiving practices and statutes
 Compliance (statute/organization)
 Contract closure requirements
 Close-out procedures
 Feedback techniques
 Performance measurement techniques (KPI and key success factors)
 Project review techniques
 Transition planning technique

Active listening
 Applicable laws and regulations
 Benefits realization
 Brainstorming techniques
 Business acumen
 Change management techniques
 Coaching, mentoring, training, and motivational techniques
 Communication channels, tools, techniques, and methods
 Configuration management
 Conflict resolution
 Customer satisfaction metrics
 Data gathering techniques
 Decision making
 Delegation techniques
 Diversity and cultural sensitivity
 Emotional intelligence
 Expert judgment technique
 Facilitation
 Generational sensitivity and diversity
 Information management tools, techniques, and methods
 Interpersonal skills
 Knowledge management
 Leadership tools, techniques, and skills
 Lessons learned management techniques
 Meeting management techniques
 Negotiating and influencing techniques and skills Organizational and operational awareness
 Peer-review processes
 Presentation tools and techniques
 Prioritization/time management
 Problem-solving tools and techniques
 Project finance principles
 Quality assurance and control techniques
 Relationship management
 Risk exam techniques
 Situational awareness
 Stakeholder management techniques
 Team-building techniques
 Virtual/remote team management

1. Initiating 13%
2. Planning 24%
3. Executing 31%
4. Monitoring and Controlling 25%
5. Closing 7%
Total Number of Scored Questions 175
Total Number of Unscored (Pretest) Questions 25
Total Number of Questions 200

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PMI Project Free exam PDF


Best PDF editors in 2023

The best PDF editors enable you to get even more done with PDF files but the real question is which PDF editor is best suited to your needs and workflow. 

Despite their finalized appearance, Portable Document Format files can be changed in the same way you alter a text document – you just need the right software. The best PDF editors let you open up almost any PDF file so that you can edit, alter, annotate, sign or convert it to other popular file formats including Microsoft Word. 

If you regularly work with PDF files as part of your job or in your free time then one of the best PDF editors will make things even easier for you. We’ve tested more than a half-dozen different options and these are the best ones for altering text, changing images and annotating PDF files. On a tight budget, these are the best free PDF editors.

The best PDF editors you can buy today

Adobe Acrobat Pro DC

(Image credit: Adobe)

1. Acrobat Pro DC

Best PDF editor for Windows


Cost: $240/year

Developer: Adobe

Compatibility: macOS, Windows

Category: PDF editor

Reasons to buy +

Full-featured PDF editing and annotation tool


Excellent OCR

You'd expect Adobe Acrobat Pro DC to be great because it comes from Adobe, the birthplace of the portable document format. To some extent, this full-service PDF-editing application meets that expectation.

Acrobat Pro DC offers a complete set of PDF-editing tools, and it even lets you edit scanned documents. Acrobat DC's OCR engine can convert scanned documents to text, which you can then search through and change. 

But Acrobat doesn't allow you to convert an entire document the moment you open it. Instead, the app waits for you to begin using the Pro DC's edit tools, recognizing and converting the pages as you select them for editing. Changing text in an OCR'd document was simple and the results look great.

It's also easy to edit images and text in documents you haven't scanned. I was able to make changes to everything with zero issues.

What I don't like about Acrobat Pro DC is the interface. It feels like a half-realized demo of what the app could be. Editing tools surround your document, and the UI feels disorganized, offering few options for customization. 

Since it's designed to work on both Macs and PCs, Acrobat Pro DC looks like it belongs in neither environment. This doesn't make this program bad at what it's supposed to do; it just makes you feel like you're working outside your chosen OS.

PDF Candy

(Image credit: PDF Candy)

2. PDF Candy

Best free PDF editor


Cost: Free

Developer: Icecream Apps

Compatibility: Chrome, Firefox, Edge, Opera, Safari

Category: OCR, PDF editing, file conversion

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Reasons to buy +

OCR capabilities


Extensive features for converting, creating files


Solid layout tools for PDFs

Reasons to avoid -

Limited text editing features

Our pick for the best free PDF editor is PDF Candy, because it offers something many free options do not — an OCR feature for scanning text. You can't edit OCR'd text in this web-based PDF editor, but you are able to upload PDF files and extract text and create a text document, RTF file, or Word document in both .doc and .docx formats.

You can choose from 44 tools to create or convert PDF files. It's also easy to rearrange pages within a document, add watermarks, protect PDF files with passcodes, edit metadata within a PDF file, split or add pages to documents, and extract images. actual text editing is pretty limited, the trade-off you make to enjoy a fairly feature-rich free PDF editor.

Once you've made your edits in PDF Candy, you can get the edited document or upload a new document to work on. PDF Candy keeps all of your documents in a queue so you can get them all at once after you've finished making changes to them.


(Image credit: Avanquest)

3. PDFescape

Best PDF-annotation tool


Cost: Free; $36/year for premium account

Developer: Avanquest

Compatibility: Chrome, Firefox, Edge, Opera, Safari

Category: PDF annotation

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Reasons to buy +

Free online PDF editing


No registration required


Web-based annotation tools are easy to understand and use

Reasons to avoid -

Extremely limited font options when you add text


Desktop version requires a subscription

PDFescape is a basic, web-based PDF-editing and -annotation program you can use for free to work on PDF documents that are smaller than either 10MB or 100 pages, whichever is greater. (PDFescape used to limit you to 50 pages, so the higher limit is a welcome change.) If you need to edit larger files, you can upgrade to a premium account for $36 a year. There's also an "ultimate" plan for $72 per year.

Accessible through any modern web browser, PDFescape offers no OCR capabilities like PDF Candy does. But PDFescape's annotation tools are easy to use. You'll find a pretty solid set of standard annotation tools that can easily add, highlight and strike through text; insert notes; and otherwise mark up the pages of your PDF file. Using the web app's insert tools, you can also add new images and text to a document, white-out text, and add web links and form fields.

PDFescape does have some major limitations in adding new text. Because there are no OCR capabilities, you can't make changes to existing text; you're limited to adding new text to an existing document. Additionally, the app has very limited font options, as it doesn't use any of your computer's fonts. So you're limited to Arial, Courier New, Times New Roman, Verdana and a Signature font for signing documents.

Apple Preview

(Image credit: Apple)

4. Apple Preview

Built-in PDF annotation for macOS


Cost: Free with macOS

Developer: Apple

Compatibility: macOS

Category: PDF annotation

Reasons to buy +

Excellent annotation tools


Easy-to-use signature capture


Markup features are often available in other apps

Reasons to avoid -

Locating annotation tools not obvious


Mac only

Apple's Preview app is built-in to macOS and offers a minimalist but valuable set of tools for marking up any PDF file. You won't find full-on PDF editing here. But if you need a basic set of tools for highlighting or redacting text, making notes, or adding comments to a document, you won't likely need much more than what's already available on your Mac.

Preview's markup tools are hidden when you first open a PDF document. To see them, you'll have to look for the small pencil icon that appears near the Spotlight search bar at the top of your PDF document's toolbar. Clicking this reveals a small set of tools you can use to select text and add objects, text or notes to your document.

The app's standout feature is a signature tool you can use to store a signature you create using your trackpad or scan using your Mac's camera. You can then easily add that signature to a document by clicking Preview's Signature tool. Simple and easy to use once you set it up, Preview's signing feature will prove its usefulness every time a digital document requires your John Hancock.

You can access all of Preview's editing tools without opening Preview, as long as you're running macOS 10.14 Mojave or later. Just use QuickLook to view a PDF, then click on the Markup button in that mode.

PDF Expert

(Image credit: Readdle)

5. PDF Expert

PDF editor with the cleanest interface


Cost: $80 one-time license purchase

Developer: Readdle

Compatibility: macOS

Category: PDF editor

Reasons to buy +

Clean, easy-to-use interface


AI-powered Enhance feature


Editing tools appear when you need them and hide when you don't

Reasons to avoid -

Difficulties with larger files



Readdle's macOS-only PDF Expert is a popular PDF-editing tool that allows you to make changes to text in existing PDF documents by removing and replacing images, updating text, and adding text of your own. PDF Expert lacks OCR capabilities, so if you want to edit text in scanned documents, you'll need to look beyond this program.

Of all the apps I tested, PDF Expert has the cleanest interface and therefore was the most pleasant to use. Two tabs appear at the top of the screen: Annotate and Edit. Clicking one of them gives you an appropriate selection of tools to perform either annotation or editing tasks.

PDF Expert's editing tools are flawless. Click text in your PDF, and tools for editing text will slide out so you can make changes. Select an image, and tools for changing the image appear. You can move selected text anywhere on the page you want or remove it altogether.

PDF Expert struggles with large documents; otherwise, this would have been my top pick for Mac. However, every time I attempted to open my nearly 450-page test file, PDF Expert hung. Until this program behaves more dependably, look elsewhere if you tend to work with larger documents. There's also a Windows version in development and you can sign up to get notified when it's ready.


(Image credit: Wondershare)

6. PDFelement Pro

PDF editor with some quirks


Cost: $130/year

Developer: Wondershare

Compatibility: macOS, Windows, iOS, Android

Category: PDF editor

Reasons to buy +

Opened and recognized text in every document


1 GB of cloud storage included


Lifetime license available

Reasons to avoid -

Bizarre text-editing behavior

Wondershare's PDFelement Pro is a full-featured PDF editor with an OCR engine for recognizing scanned text and a standard set of tools. With those, you can fill in forms, annotate documents, create and add signatures, and edit images within a document.

PDFelement had no problem opening anything I threw at it, including scanned documents, large files and image-heavy PDFs. Once documents are open, PDFelement Pro offers a fairly simple interface, with a set of tools on the left side of your document that are easy to figure out. Just select a tool, and you can go to work making changes to a file.

Editing images, adding signatures and using annotations in the application all worked as planned, but I did experience some odd behaviors when I was editing or adding text using PDFelement Pro. In particular, when I was editing existing text in a document, the application wanted to make the text bold and would not allow me to change the content back to regular text. Also, when I added new text boxes, my own text did not display normally; the program always added a space after I typed an apostrophe. And the program constantly played my Mac's system beep as I typed. That's both annoying and not optimal.

Sejda PDF Desktop Pro

(Image credit: Sejda)

7. Sejda PDF Desktop Pro

A PDF editor with too many limitations


Cost: $63/year

Developer: Sejda

Compatibility: macOS, Windows

Category: PDF annotation

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Reasons to buy +

Can edit text, though on a limited basis


Can add images and annotate your documents


Paid weekly pass available

Reasons to avoid -

Very limited features


Paragraphs are treated as individual lines of text


Cannot remove or edit existing images

Sejda is a web-based PDF-editing application that works on any OS that has a modern web browser. A desktop version converts that web interface into something that runs on your computer. 

You can use a free version of Sejda, but it limits the number of daily tasks you can perform and the size of the documents you can access. 

To get the most out of the program, you can buy an annual license for both the web and desktop versions for $63. You can also buy a weekly pass for both versions for $8 if you've got a one-time project that requires Sejda.

Sejda has no OCR engine, so you can't use this app to edit PDF files created from scanned documents. You can edit only PDF files that already have selectable text.

To edit your PDF file, you upload it to the Sejda website and then use the toolbar at the top of the page to choose your tools. You'll find tools for editing text, adding links, adding form fields and images, and signing or annotating your document. All of Sejda's tools are rudimentary at best. 

The app breaks every line of text in your document into a single text entry, so you can't edit entire paragraphs of text. When you do edit existing text, remnants of the previous text often get left behind in the document. Sejda will let you add new images to a document, but you can't use the app to edit or remove existing images.

Sejda isn't a great app, but it works in a pinch when you need to make a quick change to an existing PDF document and you have no other tools at hand.

How to choose the best PDF editor for you

The first question you should ask yourself when choosing a PDF editor is what you plan to do with it. If it’s just to mark up documents and add digital signatures, PDF annotation software will better suit your needs.

As there are many well-featured PDF annotation programs that are available for free, you can save yourself some money. For instance, as they mentioned, Mac users can save even more time since the Preview app that ships with Apple’s computers includes markup and signature tools.

It also doesn’t cost much, or even anything at all, to create a PDF. You can do so from a Word document or a web page, and also convert a PDF to a Word doc or a JPEG.

However, if you’re in the market for a full-fledged PDF editor that lets you manipulate text and create documents, consider what kinds of features you’ll need for PDF editing. Applications with good OCR capabilities will likely cost more but if you don’t need OCR, you may be able to make do with a free PDF editor.

While PDF editors are great for making changes or notes to documents, they’re not necessary if you simply want to view and read a PDF. For that, check out their list of the best PDF readers you can download. 

How they test PDF editors

We looked at both PDF editors and applications used for making annotations in PDFs. Every PDF editor can also annotate documents but dedicated PDF-annotation tools aren’t actually designed to make changes to any of the original content in a PDF document.

While testing each of these applications, they used a few different types of documents including large, text-heavy files, documents with a mix of formatted images and text and simple documents with text and images inserted into the document in a linear fashion. They tested features like text recognition (when supported) and they tried making changes to text, replacing and adding images and adding annotations.

For more on their testing procedures, check out this guide on how Tom’s Guide tests, reviews and rates products. 

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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