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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PMI PMI-002 : Certified Associate in Project Management (CAPM) ACTUAL EXAM QUESTIONS

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Exam Number : PMI-002
Exam Name : Certified Associate in Project Management (CAPM)
Vendor Name : PMI
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PMI-002 test Format | PMI-002 Course Contents | PMI-002 Course Outline | PMI-002 test Syllabus | PMI-002 test Objectives


Introduction to Project Management (6%)

Understand the five project management process groups and the processes within each group

Recognize the relationships among project, program, portfolio, and operational management

Define a typical project lifecycle

Understand the function and importance of tailoring for different projects


Project Environment (6%)

Identify the factors and assets that may impact the outcome of a project

Distinguish between organizational systems

Understand the purpose and activities of a Project Management Office

Recognize the hierarchy of projects, programs and portfolios


Role of the Project Manager (7%)

State the primary functions of a project manager

Understand a project managers sphere of influence

Identify the major elements included in the PMI triangle

Recognize the difference between leadership and management


Project Integration Management (9%)

Understand the seven project management processes in the project integration management knowledge area

Identify the input, tools, techniques and outputs defined in the seven processes in project integration management

Understand the purpose of project integration management and the project managers role within it

Identify concepts and procedures related to project change management

Identify tailoring consideration in project integration management and recognize key documents

Identify methods for project integration and knowledge management


Project Scope Management (9%)

Understand the six project management processes in the project scope management knowledge area

Identify the Input, tools, techniques and outputs defined in the six processes in project scope management

Identify key concepts and tailoring consideration for project scope management, and key roles in scope management

Identify the purpose and elements of a Work Breakdown Structure (WBS) for both Product and Project scope

Understand project scope management for agile/adaptive projects, including the use of prototypes


Project Schedule Management (9%)

Define the six project management processes in the project schedule management knowledge area

Identify the Input, tools, techniques and outputs defined in the six processes in project schedule management

Solve simple network diagrams problems and perform basic scheduling calculations

Identify considerations for agile/adaptive environments in project schedule management


Project Cost Management (8%)

Understand the four project management processes in the project cost management knowledge area

Identify the Input, tools, techniques and outputs defined in the four processes in project cost management

Identify key concepts in project cost management, including tailoring and special considerations for agile/adaptive environments

Understand and apply basic forecasting and earned value methods for project cost management


Project Quality Management (7%)

Understand the three project management processes in the project quality management knowledge area

Identify the Input, tools, techniques and outputs defined in the three quality management processes

Understand the reasons for and approaches to adapting quality management in different project environments

Identify quality tools and approaches for continuous improvement


Project Resource Management (8%)

Define the six project management processes in the project resource management knowledge area

Identify the Input, tools, techniques and outputs defined in the six processes in project resource management

Identify key concepts and trends in project resource management, including tailoring and special considerations for agile/adaptive environments

Identify techniques for developing a team, managing conflict, and resolving resource-related problems

Understand the components of a resource management plan and data representation techniques for managing project resources


Project Communication Management (10%)

Understand the three project management processes in the project communication management knowledge area

Identify the Input, tools, techniques and outputs defined in the three project communication management processes

Identify key concepts and approaches in project communication management, including tailoring and special considerations for agile/adaptive environments

Recognize the dimensions of communication and components of a communications management plan

Identify communications skills and methods for project communication management


Project Risk Management (8%)

Understand the seven project management processes in the project risk management knowledge area

Identify the Input, tools, techniques and outputs defined in project risk management

Identify the key documents in project risk management

Perform simple risk calculations

Recognize when and how to adjust risk based on the project environment


Project Procurement Management (4%)

Understand the three processes in the project procurement management knowledge area

Identify the Input, tools, techniques and outputs defined in the three project procurement processes

Identify key concepts and tailoring considerations for project procurement management, including trends and emerging practices

Identify various types of contracts, agreements, and source selection methods


Project Stakeholder Management (9%)

Understand the four project management processes in the project stakeholder management knowledge area

Identify the Input, tools, techniques and outputs defined in the four project stakeholder management processes

Recognize key stakeholders roles and needs

Identify the key concepts and benefits of stakeholder management



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Best project management software of 2024

The best project management software makes it simple and easy for teams to organize projects and tasks.

Best project management software: quick menu

With the normalization of home working following the pandemic, project management software is more important than ever, giving remote teams an easy way to manage projects and tasks.

Whereas it used to be the case that paper or spreadsheets would be required, these days, project management software is usually able to provide a range of tools to help Improve productivity and make the management of tasks easier.

Features might normally include the ability to set up a team and allow communication between members, the assignment of specific subtasks with dates for completion, as well as goals, interactive calendars, progress reports, and analytics to provide data on workflows.

On top of all this, a number of project management platforms can also integrate with other software applications, such as for cloud document storage, sales reporting software, and customer relations management (CRM) software.

We've therefore listed below what they think are the best project management software platforms currently available.

We've also featured the best online collaboration software.

Get in touch The best project management software of 2024 in full:

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.

Best overall

Microsoft Project website screenshot

(Image credit: Microsoft)

Clever resource assignment features combined with a powerful interface

Reasons to buy +

Project budget forecasting 

+

Cloud and on-premise variants

+

Advanced Gantt charts

+

Supports detailed task descriptions

Reasons to avoid -

Cloud version expensive for large teams

-

Lacks a decent mobile application

Microsoft Project is one of the more advanced project management platforms available today. It features cutting-edge technologies that allow you to identify the best way to schedule projects and find optimal solutions for distributing workloads across your team.

If you’ve ever used Microsoft Excel or another Microsoft productivity tool, the chances are that you’ll feel at home when navigating around Microsoft Project. Like other Office programs, tools and shortcuts can be found in a bar at the top of the screen.

However, “at home” doesn’t mean “comfortable”. Although Project might look similar to Excel, you’ll need to have a grounding in project management concepts to fully understand what’s going on in the Microsoft Project interface. On the left part of the display, you’ll find a spreadsheet related to task and resource data. Meanwhile, on the right-hand side is an interactive visualization of your schedule. 

Taking some time to familiarize yourself with this program before confidently taking on any given task would be a wise choice, even for those who would consider themselves “advanced” in skill and knowledge of project management tools and software.

Although it won’t be winning any prizes for simplicity, Microsoft Project remains an excellent project management tool for experienced professionals. Its ability to forecast project costs and assign resources based on intricate details mean it can simply go further than and do more than the alternative project solutions.

Read their full Microsoft Project review.

Best for tracking

(Image credit: Asana)

Has an emphasis on teams and tracking

Reasons to buy +

Handy tracking functions

+

Cloud-based

+

Team-oriented

Asana is a project management solution you may have heard of – even if you haven’t used the service in the past. While it offers a ton of handy features to boost productivity, there’s a bigger emphasis placed on tracking.

The app lets you create to-do lists and reminders so you always meet deadlines, plus you can add due dates, colleagues, instructions to tasks, and comment on items. You can even share images from other apps (like Google Drive) directly to Asana. And more importantly, you can actually track everything you and your colleagues work on in a bid to ensure the project is running smoothly and to schedule.

If you’re concerned with who is working on certain projects, then you can bring up a list of teams and individuals, and there’s also a search functionality so you can find completed tasks easily.

Asana offers a free Basic tier, with limited functionality and dashboards. Step up to the Premium, Business, or Enterprise tiers and you unlock additional features, as well as administration and management options.

Read their full Asana review.

Best all-in-one

Miro website screenshot

(Image credit: Miro)

The all-in-one project management platform

Reasons to buy +

Combines numerous products

+

Reasonable pricing

+

Option for third-party integrations

Reasons to avoid -

Support could be better

-

Requires Internet connection

Miro is one of those online tools that aims to bridge the gap between traditional office working and the modern hybrid routine that many of us are familiar with. It is best described as a multipurpose online collaboration tool, and its list of features is pretty extensive stretching beyond the typical realms of similar software.

The majority of the work you’ll end up doing in Miro will revolve around what it calls boards, which start off as entirely blank spaces. Setting one up from scratch can be daunting and time-consuming, which is why the company has designed templates that you can pick from the get-go.

Some of its most commonly accessed templates include mind maps, Kanban boards, flowcharts, product roadmaps, and timelines. Many of these will serve well as project management tools, and anybody familiar with other project management software like Airtable or Trello will already be familiar with how they work.

Overall, they think Miro is hard to beat. Its long list of features should cover all parts of a typical business process from research and design to presentation, and its collaboration abilities are second to none. Furthermore, its transparency around security and reasonable pricing make it hard for us not to recommend it. The only thing they could wish for is better support channels.

Read their full Miro review.

Best popular

(Image credit: Trello)

A well-known cross-platform project management solution

Reasons to buy +

Cross-platform support

+

Cloud-based

+

Team supported

Over the last few years, Trello has emerged as one of the most popular project management applications. It lets you organize all of your work-based and personal projects through a computer, tablet or smartphone. Trello is notably used by the likes of Fender, Google and Kickstarter.  

You’re able to set up boards to organize everything you’re working on, delegate tasks among colleagues, get customized workflows, add to-do lists within task cards, attach files and comment on items. The idea is that you manage all aspects of a project within the app, regardless of whether it’s team-based or assigned to an individual.

Both Windows and Mac desktops are supported, with mobile apps available on Android and iOS devices; there’s even a version that’s been optimized specifically for the iPad Pro. The latter sports a larger canvas and a variety of handy email shortcuts to speed up projects. It’s free to download to provide it a spin, and can be used on the free tier, although there is a limit on the size of file attachments.

Upgrade to Business Class and you get additional features, including one-day email support, and integration with other services such as from Google and Slack, as well as higher attachment limits.

Read their full Trello review.

Best for small teams

(Image credit: Zoho)

Good features for small teams

Reasons to buy +

Easy visualizations

+

Document storage options

+

Integration options

Zoho Projects is another project management tool that allows users to plan, organize, and collaborate on projects, while using Gantt charts for detailed visualization of progress and schedules. 

There are also options for document management, time keeping, as well as tracking and fixing errors. A range of integrations are available, such as Slack, Google, Dropbox, as well as the numerous other Zoho suites.

Pricing is dependent on both the number of users, number of projects, and the depth of features required, with higher level plans offering unlimited projects and higher limits according to the plan subscribed to. There is a free plan available to explore the software's features.

Read their full Zoho Projects review.

Best established

(Image credit: Basecamp)

An effective tool for collaborating on projects

Reasons to buy +

The ability to create group chats

+

A weighty veteran solution

Basecamp is one of the oldest project management solutions, having been around for more than 10 years, building a reputation which makes it a highly credible tool for businesses that work on big projects.

The latest version of the app offers a variety of helpful features, including the ability to send direct messages for quick discussions, set up a schedule so you only get notifications within work hours, and show your appreciation for colleagues by clicking an applause button. Basecamp avoids a fragmented workflow, and as the firm says, it keeps “discussions, tasks, files, schedules and chat in one place.”

There are some nifty functions for dealing with clients, too. For instance, you can easily save and track client feedback and approvals, and you can also get reports on how projects are going. And when you want to collaborate with others, you can create group chats.

A free version lets you work on up to three projects with up to 20 people, to allow you to try out the software. After that, there's only a single paid-for plan, which includes all features and an unlimited number of users, making this a great deal for teams but not so much for individual users.

Read their full Basecamp review.

Best for enterprises

(Image credit: Liquid Planner)

Eliminate any danger of missed deadlines

Reasons to buy +

Smart schedules to prioritize work

+

Enterprise-grade feature set

+

14-day free trial

Liquid Planner has a robust feature set for enterprise-grade project management, boasting corporate customers which are leading Fortune 500 firms including Bayer, Cisco and Daimler.

Features include the Smart Schedule that can assist in prioritizing work, assigning people resources, and then estimating the hours needed for completion, which then allows the project to be tracked given the hours devoted to it by the assigned workforce.

Conversely, the Resource Management feature can show the hours put in by each worker, and track who is available to assign to the next project. All of this data feeds into easy-to-read dashboards that can be integrated into financial metrics and trends.

Note that there is a free 14-day trial to take Liquid Planner out for a test drive before you commit.

Read their full LiquidPlanner review.

Best for comms

(Image credit: Podio)

A communication-first app for generating project ideas

Reasons to buy +

The option of in-app purchases

+

Useful IM function

Reasons to avoid -

Premium plans are expensive

Podio has been designed for professionals who are always working on multiple projects and generating new ideas. More than 400,000 businesses and teams from across the world are using it, including the likes of Sony, Volvo and the NFL. 

With the Podio app, you have the ability to create tasks and customize them based on your workflow, taking into account deadlines and responsibilities. There’s also a built-in instant messaging function that you can use to share ideas and see how others are getting on with delegated tasks. Additionally, there is a handy tool for getting quick feedback without having to send several emails.

There are integrations with third-party services such as Dropbox and Google Drive, meaning you can share content quickly and easily. Podio is available in a number of additional languages, including French, German, Danish, Chinese, Spanish and Russian.

Read their full Podio review.

More project management software reviews

See the following reviews for more worthy contenders for best project management software:

We've also featured the best productivity tools.

Project management FAQs What is Agile project management?

This section is authored by Cliff Berg, Agile evangelist

Some people claim that Agile does not have a place for the role of the project manager. That is a harsh claim, though, and it is a little like someone who has just turned 18 saying to their parents, “I don’t need a parent anymore”.

The role of a project manager was firmly established before the Agile movement, largely because work on software was usually organized as a project: that is, a chunk of work that was budgeted for, and was scheduled for, and for which requirements were defined up front.

Today, software is best viewed as a living thing: once you create it, you need to keep evolving it. Thus, the view that you create it and then maintain it, and that if you ever need to change it you propose a project - that approach is too slow and cumbersome. Instead, one needs to build the evolution of the product into its process for creating and maintaining it.

It is like for most living things, most creatures are not born and then stay the same, and then at some point undergo a metamorphosis and change to a new state. Some do that, but most are born and then continue to evolve and change continuously throughout their lives. Software is like that today - or needs to be, to keep pace with today’s market demands, let alone stay ahead of the market.

The “project” construct is based on a corporate finance model whereby an organization is in a steady state, and one then proposes a “project” and an accompanying ROI analysis - usually through an annual planning cycle - that will change the organization to a new state. That heavyweight and plodding approach is an obsolete model. Today, change needs to be continuous. The construct of “project” should be reserved for things that need an unusual boost - a “one-off” step change - but most things need continuous change, so most things should not be funded as projects.

A better way to look at automated business systems is as products: things that comprise a capability, that have a life cycle, and that are continuously being enhanced.

If most business initiatives are not funded and managed as projects, then there is less of a need for project managers; but project managers have skills that are still needed.

Unfortunately, the top-heavy methods of the 1990s created a community of project managers who were trained in those top-heavy methods. It is those methods that are largely obsolete for software. They still work for other things, such as building construction, but software is just too dynamic. Software is not like a building: you cannot see it, you cannot assess at a glance how “done” it is, it connects in myriad ways, rather than only in three dimensions. It is different every time,  you never build the same software twice, even though there can be some requirements that are repeated.

That means that the process of building software is not repeatable, and so it cannot be managed as such. It is a highly creative process, and there is a lot of trial and error in it. One cannot fully design software upfront; one has to create a tentative high-level design, build it and alter the design as one discovers some elements don't work right until everything fits and works in the end. This is a craftsmanship of unique products that won’t be the same again.

Such efforts need leadership, and organization, and decision making, and inspiration. The function of management includes all these things, by definition, and thus, there is very much a role for managers; but what does not work is an autocratic manager who tells everyone what to do, or one who sits at their desk checking off documents. Instead, leadership is needed, from the managers and from others, and the kinds of leadership that work are those that encourage thoughtfulness, rational Socratic discussion, and transparent decision making. People need a high degree of autonomy - not complete autonomy, but a lot. They also need a lot of coordination, and those who lead need to be good listeners and always watching for issues that are being overlooked.

Which project management software is best for you?

When deciding which project management software to download and use, first consider what your real needs are, as sometimes free platforms may only provide basic options, so if you need to use advanced tools you may find a paid platform is much more worthwhile. Additionally, free and budget software options can sometimes prove limited when it comes to the variety of tools available, while higher-end software can really cater for every need, so do ensure you have a good idea of which features you think you may require.

How they tested the best project management software

Project management tools have developed markedly in recent years, adding a host of features, from Gannt charts to file sharing solutions. For this independent review, we’ve analyzed some of the best-known project management solutions on the market, evaluating them for their usability, features, and integration with other software. How they stand up to the new rigours enforced by the COVID-19 pandemic has also been considered. In terms of what you should look for in a project management tool, scalability, reliability and security are also important. These are factors that they carefully assessed before choosing their best project management software solutions. 

Read how they test, rate, and review products on TechRadar.  

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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