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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ASIS PSP : Physical Security Professional (PSP) - 2023 ACTUAL EXAM QUESTIONS

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PSP test Format | PSP Course Contents | PSP Course Outline | PSP test Syllabus | PSP test Objectives

ASIS - PHYSICAL SECURITY PROFESSIONAL (PSP)® test PREPARATION PROGRAMMES

The Physical Security Professional (PSP)® credential is globally recognised as providing demonstrable proof of knowledge and experience in threat test and risk analysis; integrated physical security systems; and the appropriate identification, implementation, and ongoing evaluation of security measures. Those who earn the PSP are ASIS board-certified in physical security.

The CPP test covers tasks, knowledge, and skills in eight broad domains

- Security principles and practices

- Business principles and practices

- Investigations

- Personnel security

- Physical security

- Crisis management

- Information security

- Crisis Management

- Legal Aspects

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Best cheap OLED TV deals for August 2023

OLED TV deals are getting cheaper by the day. Whereas finding a sub-$1,000 OLED used to be near-impossible, now you can find multiple OLED TVs at that price point on just about any day of the week.

So we're gathering all the best cheap OLED TV deals in one spot for your convenience. (Also, check out their guides on the best TV deals and 8K TV deals). One of their favorite OLED deals comes courtesy of Best Buy. The retailer has OLED TVs back on sale from $649. The sale includes epic price drops on TVs of all sizes. Amazon offers many of the same deals from $899. (Make sure to check out their guide to their favorite Amazon deals for more sales).

Unfortunately, the vast majority of OLED deals in the $599 to $799 range have sold out. The next major holiday isn't till Labor Day, which is when they expect these lower prices could return. Not sure which OLED TV to buy? Check out their guide of the best OLED TVs.

OLED TV deals and sales — quick links Best OLED TV deals right now

Shop today's best OLED deals

Why should I buy an OLED TV?

Simply put: No TV technology can rival the performance of an OLED TV. OLED, or organic light-emitting diode, represents a completely different kind of display. No backlight is required in an OLED TV because the organic pixels emit their own light when activated. So each pixel can be completely turned on or off separately.

That means you don't get that afterglow and light leakage that you typically see in LCD TVs. As a result, OLED TVs deliver intensely deep blacks that even the best QLED TVs can't rival. Sure, QLED TVs can be brighter than OLED TVs, but for the most pristine picture possible: OLED is still king.

Make sure to check out their QLED vs. OLED TV guide for more comparisons.

Tips on finding the best OLED TV deals

Unfortunately, there's no single retailer that offers the best OLED TV deals. Instead, it's a mix of retailers that includes Amazon, Walmart, Best Buy, and Newegg. If you're shopping for an OLED TV, their best tip is to compare that model's price across various sites, including the retailers mentioned above.

That said, Amazon tends to undercut Best Buy's prices, even if only by a few bucks. For instance, on numerous occasions we've seen the LG 55-inch CX OLED on sale for $1,399 at Best Buy, whereas Amazon would have it on sale for $1,349. Or in some instance, Amazon would bundle a free LG XBOOM speaker, whereas Best Buy wouldn't offer any freebies.

What are the cheapest OLED TV deals we've seen?

During the 2022 holiday season, Best Buy had the LG 48-inch A2 OLED TV on sale for $569, which remains the least-expensive OLED we've ever seen. The 55-inch model also dropped to an all-time low of $799. Although the A2 is LG's entry-level OLED, it's still an incredible bargain. Premium OLED TVs were also on sale. The 42-inch LG C2 dropped to $799, whereas the Samsung S95B 55-inch 4K OLED hit $1,449 ($650 off). In 2023, they saw the Vizio 65-inch OLED TV on sale for $898, which has been the least-expensive 65-inch OLED ever.

Are refurbished OLED TV deals worth it?

While there are refurb OLED TV deals you can take advantage of, the savings aren't as high as you may think. For instance, the LG 55-inch B8 OLED TV usually sells for $1,199 and has dropped as low as $999. Amazon sometimes sells the refurb LG 55-inch B8 OLED TV for $999. Sure, it's $200 off, but we've already seen new models hit this price point before, albeit, not very often.

More importantly, you only get a 90-day warranty and if you dislike anything about your refurb TV (perhaps it might have more nicks and scratches than you like) return shipping might fall on your, which could quickly get expensive.

The Best Walk-In Tubs With Showers: A 2023 Guide

The total cost of a walk-in tub with shower, from purchase to installation, varies significantly. The price of a walk-in tub can range from $2,000 to $20,000, according to Kohler, a company that manufactures walk-in tubs and accessories, such as shower attachments. A walk-in tub with shower combination would be considered a “specialty walk-in bath,” with a price tag of anywhere from $2,500 to $15,000, according to the company.

Standing showers and other shower features are considered upgrades or additional accessories to a walk-in tub—and therefore come with an extra cost. For example, a shower column kit sold by Ella’s Bubbles, a manufacturer of walk-in tubs, costs $460 in addition to the cost of the walk-in tub of your choosing.

The total price of a walk-in tub with shower is compounded by the cost of installation, which can also range widely. Factors that determine the cost of installation include the size of the tub (and whether any architectural modifications are needed to accommodate its size in your home), any electrical or plumbing upgrades that may be needed and whether an old tub needs to be removed, among other considerations. Kohler estimates the cost of installation to run between $2,000 and $8,000.

The only way to determine the true cost of a walk-in tub with shower is to select a tub and shower combination (with any other amenities or accessories to suit your needs and preferences) and consult a home modification service provider (or the tub manufacturer) to generate an estimate of the cost of installation for your specific situation.

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Enjoy the features of a shower with the comforts of a bathtub. Designed by KOHLER® with comfort and ease of use in mind and rooted in over 140 years of engineering expertise.

Learn More Does Medicare Pay for Walk-In Tubs With Showers?

Walk-in tubs and walk-in tubs with showers are not classified as durable medical equipment (DME) by the Centers for Medicare and Medicaid Services (CMS), so Medicare typically doesn’t cover the cost of the tub or its installation. Some examples of DME covered by Medicare include blood glucose monitors and test strips, wheelchairs and oxygen concentrators.

If you qualify for Medicaid, financial assistance for walk-in tubs with showers varies from state to state, so check with your local Medicaid office to learn about your eligibility and what coverage may look like.

Veterans may be eligible for financial assistance for costs associated with a walk-in tub with shower through one of several grants offered by the Department of Veterans Affairs (VA), including the Veteran Directed Care program, which aims to help veterans age in place. Calling your local VA office is the best way to see if you qualify for such assistance.

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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