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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Pulse-Secure PulseSecure-PPS : Pulse Policy Secure (PPS) Deployment Implementation and Configuration ACTUAL EXAM QUESTIONS

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Exam Number : PulseSecure-PPS
Exam Name : Pulse Policy Secure (PPS) Deployment Implementation and Configuration
Vendor Name : Pulse-Secure
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PulseSecure-PPS test Format | PulseSecure-PPS Course Contents | PulseSecure-PPS Course Outline | PulseSecure-PPS test Syllabus | PulseSecure-PPS test Objectives

Exam Specification:

- test Name: Pulse Policy Secure (PPS) Deployment Implementation and Configuration
- test Code: PulseSecure-PPS
- test Duration: 120 minutes
- test Format: Multiple-choice questions

Course Outline:

1. Introduction to Pulse Policy Secure (PPS)
- Overview of Pulse Policy Secure and its role in network access control
- Understanding the features and capabilities of PPS

2. PPS Architecture and Components
- Exploring the architecture and components of PPS
- Understanding the role of each component in the deployment

3. Initial Configuration and Setup
- Installing and configuring PPS appliances
- Configuring basic system settings and network connectivity

4. User Authentication and Authorization
- Configuring user authentication methods (LDAP, Active Directory, etc.)
- Implementing role-based access control and user authorization policies

5. Network Access Control Policies
- Creating and configuring network access control policies
- Defining access rules and enforcement actions

6. Integration with Network Infrastructure
- Integrating PPS with network switches, routers, and other infrastructure devices
- Configuring VLANs, port settings, and access control lists

7. Security Enforcement and Threat Detection
- Implementing security measures such as endpoint compliance checks and antivirus scanning
- Monitoring and detecting network threats using PPS

8. Monitoring and Reporting
- Monitoring system health and network access activity
- Generating reports and analyzing security events

Exam Objectives:

1. Understand the features and components of Pulse Policy Secure (PPS).
2. Perform initial configuration and setup of PPS appliances.
3. Configure user authentication and authorization mechanisms.
4. Implement network access control policies and enforcement actions.
5. Integrate PPS with network infrastructure devices.
6. Implement security enforcement measures and threat detection.
7. Monitor system health, network access activity, and generate reports.

Exam Syllabus:

The test syllabus covers the following subjects (but is not limited to):

- Introduction to Pulse Policy Secure
- PPS architecture and components
- Initial configuration and setup
- User authentication and authorization
- Network access control policies
- Integration with network infrastructure
- Security enforcement and threat detection
- Monitoring and reporting

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The responsibility for nuclear security within a State rests entirely with the State. The Agency contributes to global efforts to achieve security in activities or facilities that involve the use, storage or transport of nuclear and other radioactive material. It does so by supporting States, upon request, in their efforts to meet their national responsibilities and international obligations, to reduce risks and to respond appropriately to threats.

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    Generative AI: The Modern-Day Gold Rush

    Generative AI tools have been one of the hottest subjects in the business world since OpenAI launched ChatGPT at the end of November 2022. Integration firms, enterprises and end users are now excitedly researching how they can use this powerful AI chatbot to automate daily tasks, streamline operations and amplify work output. 

    Many of their foremost thought leaders perceive generative AI as one of the most disruptive technological paradigms shifts of their time. Bill Fons, president of Wixom, Mich.-headquartered integration firm Promotion Technology Group (PTG), compares it to the birth of the internet. He notes the immense benefits that generative AI has to offer across industries and, in particular, in commercial AV. 

    To put things in perspective as regards just how quickly this technology is growing, ChatGPT hit an estimated 100 million monthly active users in January 2023, making it the fastest-growing application in history. TikTok took nine months to reach 100 million users, whereas Instagram took two-and-a-half years. 

    CI consulted with three industry thought leaders to get their insights on generative AI and how it will impact the AV integration industry. This article weaves together their insights, analysis and perspective. 

    The Differences between AI and Generative AI 

    Let’s take a step back and look at the differences between artificial intelligence (AI) generally and generative AI specifically. 

    “AI” is a term that’s familiar to AV professionals. Think of Poly’s AI-powered cameras or Bose’s noise-canceling headphones. Generative AI is much different. According to West McDonald, chief noise maker, Tigerpaw Software, who is also founder of West McDonald Co., what AI doesn’t do is have a human touch. “In other words, you can’t ask a Bose speaker a question or get it to reset its parameters by talking to it,” he explains. “That’s one of the things that’s going to change. You’ll be able to have a conversation with whatever the system is, and that could be five or six components of things.”  

    PQ_West McDonaldMcDonald continues the thought, saying, “I think the idea of artificial intelligence is the wrong way to look at [generative AI]. Unfortunately, the name has already been established — [but] it’s more like augmented intelligence. What generative AI does…it doesn’t replace anybody — it gives the person with that knowledge 10 times more potential to do more things better.” He adds, “Most people don’t understand that there’s probably five or six different flavors of AI. If you look at IBM Watson, that’s been around for a long time, but that’s not a natural language processing engine. This is entirely unique to the world.” 

    Blaine Brown, principal consultant at global integration firm Diversified, agrees with the distinctions being made. “AI-powered devices aren’t generative AI — it’s just AI,” he opines. “Machine-learning-level devices like smart cameras, audio DSPs and stuff like that make acoustics better. All that technology improves the equity in the room and the user experience.” 

    Conceptual Technical Design 

    Turning back specifically to tools based on generative AI, integrators shouldn’t shy away from adopting them. Recognizing one worry, Fons says, “I don’t think it’s going to eradicate anybody. But it is going to deliver us more time to do more strategic-level work with their customers versus just busywork.” 

    “Needs exams and space evaluations are typically done by those with trained expertise and experience because they’ve been there, done that and learned some of the best ways to do things,” McDonald explains. “What generative AI is going to allow them to do is to take that corpus of information and start being able to take on a lot of those manual processes.” He continues, “Once they have the parameters of a space and then extract [them] through some kind of application, it’ll start to look at what the recommendations are for those spaces.” McDonald predicts transformations like this are going to happen a lot faster than most people would expect. 

    Related: AI Chat Interface from 22Miles Wins Big at InfoComm 2023

    A natural language processing engine, which is what ChatGPT is based on, is highly efficient at moving through tech specs and features. McDonald notes that one could ask ChatGPT how fast an HP LaserJet 4250 is, as well as its capabilities with respect to monthly volumes. Now, if you asked a colleague the same question, they probably wouldn’t know the answer right away. ChatGPT has the capability to answer questions instantaneously. “If you think of a similar piece of equipment that [integrators] would be installing in a commercial space, it will already know [the statistics and product capabilities],” McDonald declares. “All they have to do then is compare it with what the customer needs, the conceptual design and the space evaluation. It’ll make it much faster to select the kinds of equipment that work together and that satisfy what the customer is looking for.” 

    ChatGPT’s Integration with Platforms 

    Diversified’s Brown predicts that generative AI is going to be invaluable when it comes to predictive maintenance. If ChatGPT is integrated into a business’ day-to-day platforms, then integrators can ask it questions about the organization’s own data. Examples of questions might include these: Which devices have experienced the most issues over the last quarter? Which devices are due for a firmware update? It’s even plausible to ask ChatGPT for its prediction on any sort of potential failures, based on past performance trends. Generative AI could start predicting when devices need to be replaced, eliminating the need for integrators to do quarterly or twice-yearly client site visits. 

    Speaking of his role at Diversified, Brown says, “There’s a lot of data they collect for their customers [where] we’ve rolled out monitoring, or they have a pulse on a proactive monitoring service. They collect a lot of data around all the AV devices that are connected in a room [and] the performance of those….” He continues, “When you have that much data around device performance, it’s just waiting to be exploited by a learning language model (LLM) or integrated with a chat feature so you can chat with your data.” 

    Brown posits that generative AI could even be used to identify your firm’s most profitable projects. “It has the potential to even create a summary as to why those projects were profitable,” he explains. “It also has the capability to [identify] which suppliers have the longest delivery time.” Brown adds, “The data is there. They might as well chat with it. That’s where I think we’re heading as an industry.” 

    5 ways to use ChatGPT to Grow Business

    Integrators shouldn’t fret about these changes; rather, integrators should see an opportunity. As Brown explains, “With any major technological evolution, there’s complexity. And even though the potential outcome for the end user is to make them more efficient — make them be able to chat with something — there’s all the underlying technology that still needs to be figured out.” He cites, for example, all the data repositories and how an organization can leverage them. “These are the kinds of conversations integrators need to be having with clients,” Brown advises, “because clients are already looking at this technology.” 

    “As integrators, they need to be able to have intelligent conversations within their bubble on how they can leverage these trends to make the services they provide better,” Brown continues. “And, in turn, make the user experience better.” 

    The Challenges of Generative AI 

    When the first iteration of ChatGPT came out, there was much skepticism. The output was oftentimes fanciful, made-up answers. It was almost as if the chatbot was hallucinating. Many of those issues are now substantially resolved. “With Bing integration, the hallucinations are almost nonexistent,” Fons says. “Anytime you’re looking for stuff, [it gives you] references to websites where it got the information. You can fact-check it.” And he suggests that users do exactly that. “No matter what you’re doing — if it’s for social-media posting, marketing or sales efforts, or assisting you with tactical design or space evaluation — fact-check it now,” Fons implores. 

    McDonald notes a key fact: Yes, generative AI can make mistakes and do things incorrectly. “It can say [a product] could work with [another product], when, in fact, it doesn’t, for example,” he acknowledges. However, he’s quick to add that this is now the exception, rather than the rule. “It’s something to be aware of,” McDonald concludes, adding a note of optimism that things will only continue getting better. 

    It’s worthwhile to contextualize generative AI’s inaccuracies. After all, you could be talking to a colleague who gives you incorrect information. “It’s never going to go away because [generative AI] is built on human language,” McDonald concedes. “And guess what? To err is human. And that’s going to continue to be the case for anything that they build.” However, he believes that, in the future, such misfiring should be negligible. 

    robotic hand computer AI

    When implementing any new technology, precautions are given. When it comes to generative AI, anything you put into the model will, by default, contribute to its learning. IPOPBA/Stock.adobe.com

    Notes of Caution 

    When implementing any new technology, precautions are a given. When it comes to generative AI, anything you put into the model will, by default, contribute to its learning. It will be used in future training datasets. “If it’s proprietary code or intellectual property with your organization — no matter how tempting it is — don’t put it in the model,” McDonald declares. “If you feel the need to, [at least] make sure the chat history is off so it’s not being recorded or used for future training data.” (This is an important evolution. When ChaGPT first came out, everything went into the model. It couldn’t be turned off.) 

    Back in May, one leading company reportedly told staff to stop using tools involving generative AI, such as ChatGPT and Bard, citing concerns that they pose a security risk. According to a Bloomberg article, employees of the company reportedly fed sensitive semiconductor-related data into ChatGPT. 

    Brown forthrightly discusses the potential for misuse of generative AI, as well as the potential for bias. “A lot of times, we’re not really clear on how it’s been trained,” he says. “Some of that’s a mystery. Some of these models that are out there, they’ve been trained on data in data centers and processors that can churn data for months and years on end. They are not exactly clear what data went into that.” 

    According to Brown, “Sometimes, the data you get out of these learning language models is confident sounding, but it could be completely wrong. As they start incorporating these more into their business, that will naturally resolve itself to some extent, because we’ll be fine tuning it to their data.” That is to say, the LLM won’t just be responding based on a vast amount of internet data. “We’re going to be asking it questions about their data, and it’s going to respond accordingly,” Brown notes. 

    Words of Advice on Implementation 

    The first step to implementing generative AI is to understand it. It’s so imperfectly understood now because it’s so new. How does generative AI work? What are the differences between the versions? How does web integration work? What are the plugins and what do they do? What potential use cases are there for your firm? 

    According to McDonald, before embarking on leveraging generative AI, the most important thing is to put organization-wide policies in place about how to use it safely. “If you want to protect your intellectual property, protect your code, protect anything you have under NDA with your customers — without stifling the creative potential that it has — you’ve got to build policies right away,” he implores. 

    human hand, microchip., AI

    As AI tool continue to evolve, they’re only going to becomes more powerful. GreenButterfly/stock.adobe.com

    Once you have those fundamentals out of the way, McDonald recommends the following: “Have an open dialogue with your teams about how they’re using it, why they’re using it [and] what they’ve experienced with it, because it’s probably in the office already.” Oftentimes, tools based on generative AI can be found in sales, marketing or software-engineering departments. McDonald advises AV leaders and business owners to be open to those conversations. “People are a bit afraid now even to say they’re using it,” he observes. But the truth is this: These tools can provide real, tangible value. McDonald says he’s trained ChatGPT to learn his tone and blog style, specifically for interviews. Now, when he writes blog posts, it’s as simple as putting in his rough notes from the interview; then, the chatbot writes the entire blog for him in his own voice and in the style that he wants. 

    The next step to incorporating generative AI into your workplace is to look at any area of busywork. “Look at the things that slow you down from delivering a good customer experience,” McDonald continues. “Generative AI is [particularly] good for anything that you would think of talking with a human about, such as design. Just understanding what busywork [generative AI] can take care of [can] deliver you back more time to do the cool things that set you apart from your competitors.” 

    Fons suggests that integrators should have open dialogues with their vendors. “Ask them what their plans are for AI,” he offers. “Because you want to be knowledgeable if they’re building something that’s going to be available in nine months. It’s as simple as asking what kind of plans the [vendor or partner] has either near or long term for AI.” 

    Not one of their interviewees foresees a vast displacement of people as a result of generative AI. “The folks who are embracing this technology and learning how to leverage it properly — like a tool in their tool bag — are the ones who are going to become infinitely more valuable because they’re going to be able to get so much more done by leveraging some these tools,” Brown states. “I don’t think that AI is going to replace people. I think the people who aren’t leveraging AI might be replaced.” 

    AI at a Tipping Point 

    Brown has his eye on exciting evolution in the generative AI category. “What fascinates me the most about the last several months is that we’ve reached a tipping point,” he declares. “And I think it’s because of the ability to naturally communicate with these APIs through language. We’ve reached this ability to go any medium to any other medium, such as video to 3D, for example.” 

    Brown believes that, as AI tools continue to evolve, they’re only going to become more powerful. “The kind of content that [LLMs] are going to be able to put out is going to be unparalleled,” he predicts. Pointing to the increasing prevalence of AV clients paying for service contracts to maintain their business operations, Brown argues that integration companies are “…going to have to evolve and start incorporating some of this technology, or they’re going to get left behind.” Of course, not every organization is going to be able to hire an AI engineer or developer to connect the dots. “It’s going to depend on how much you, as a company, want to invest in this technology,” Brown continues. “I personally think that any sort of investment any AV integrator makes in this technology will pay off 100- or 1,000-fold. The efficiencies [and] the ROI that they’re going to gain from leveraging this is going to be a game changer.” 

    Generative AI: A Gold Mine for Integrators 

    It might be said that discovering generative AI is like discovering a gold mine. “Just because you’ve discovered gold doesn’t mean you’re going to make money finding the gold,” Fons posits. “I think the smartest people in the Gold Rush were not the miners but [rather] the people who were selling shovels and tools.” He continues, “I think the play here is to understand how to adapt and how to find the problems with all these new things.” Ultimately, he strongly believes that integration businesses shouldn’t sit on the sidelines; instead, integrators should get involved and figure it out. “It’s fun, it’s frightening and it’s mind-blowing,” Fons enthuses. 

    Curiosity fuels innovation, and it’s important for AV integration businesses to get curious about generative AI if their industry is to unlock its potential. It just may be time for integration businesses to earn profits by selling shovels in today’s AI Gold Rush! 

    If you enjoyed this article and want to receive more valuable industry content like this, click here to sign up for their digital newsletters!

    Reps pledge effective monitoring of palliative implementation

    According to the statement, the house commends Tinubu for announcing palliatives aimed at alleviating the adverse economic effects resulting from the removal of fuel subsidy.

    The spokesman for the house, Rep. Akin Rotimi, made the pledge in a statement on Tuesday following the nationwide broadcast by President Bola Tinubu. According to the statement, the house commends Tinubu for announcing palliatives aimed at alleviating the adverse economic effects resulting from the removal of fuel subsidy.

    The statement empathised with Nigerians whom it stated had been distressed due to the gap between the removal of the subsidy and the implementation of palliative measures. It expressed optimism that the policies and initiatives announced by the President would be expedited to bring succor to the people.

    “I assure all Nigerians that the house will be alive to the constitutional obligation to effectively monitor all entities of government responsible for the deployment of the palliative measures.

    “On their part in the House of Representatives, they will closely monitor every agency of government that will be involved in the implementation, to ensure speedy delivery, equitable distribution, and transparency.”

    The statement recalled that on July 13, the house approved the request presented by Tinubu for the amendment of the 2022 Supplementary Appropriation Act. It said that the amendment was to extract ₦500 billion from the budget for palliatives to cushion the effect of the removal of fuel subsidy.

    “The house commends Tinubu for his interventions in the manufacturing sector via support for small and medium scale enterprises.

    “The house commends the plan to work with the state governments to invest in critical social and economic infrastructure and to deploy 3,000 commuter buses, amongst other measures.

    “The integrated interventions would stimulate economic productivity, boost agriculture production, create jobs, and Improve living conditions.

    “The house also welcomes the planned upward review of the national minimum wage and will consider and approve once transmitted to the National Assembly by the presidency,” the statement added.


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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