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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QlikView QSSA2023 : Qlik Sense System Administrator Certification exam Exam Dumps

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Exam Number : QSSA2023
Exam Name : Qlik Sense System Administrator Certification Exam
Vendor Name : QlikView
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QSSA2023 exam Format | QSSA2023 Course Contents | QSSA2023 Course Outline | QSSA2023 exam Syllabus | QSSA2023 exam Objectives

At least 6 months experience as an administrator of a Microsoft Windows Server-based environment

Experience working with Qlik Sense sites and the Qlik Management Console, to provide data and application governance, library maintenance, as well as user and application security

Experience managing the policies and options that run the Qlik Sense servers and apps

Experience creating rules and managing the visualization streams

Knowledge of networking and Active Directory configuration, proxies, intermediate web servers, load balancers, etc.

Familiarity with Windows tools and logs created (e.g., Event Viewer, Services Console, DCOM Console, Windows Registry)

Experience using NSLookUp, Telnet, Ping, NetStat, Fiddler, and other browser tools to troubleshoot connectivity, interoperability, configuration, performance, etc.

Plan Installation (20% of the exam)

Given a scenario, recommend environment architecture

Given a scenario, determine appropriate security strategies

Install System (22% of the exam)

Configure initial environment for Qlik Sense access

Configure multi-node deployment

Configure proxy and virtual proxies

Manage Content (34% of the exam)

Configure tasks based on business and system needs

Apply procedural concepts to organize external content (Content Library and Extensions)

Apply steps to manage streams and apps

Apply steps to manage privileges in the Qlik Sense deployment

Configure user roles and properties

Monitor and Maintain (24% of the exam)

Investigate Qlik Sense errors and issues

Given a scenario, demonstrate an understanding of how to monitor system performance

Apply the steps to perform a backup and restore

Apply the steps to perform upgrade(s)

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QlikView Certification education


Continuing Education Requirements Framework

All who earn a new certification are required to earn continuing education units (CEU) over the 5-year term of their certification to be able to recertify or upgrade to the next level. All ecologists who were certified prior to 2021 are permitted to recertify or upgrade one time without fulfilling the requirement, but are required to complete the CEU afterward.*

CEU will be self-reported by participants on an annual basis through the ESA account. Participants are required to adhere to the ESA Code of Ethics in all activities related to their profession, including when reporting professional development.

Interpretive leeway will be given to participants to identify suitable professional development opportunities per the requirements. Beginning in spring 2021, ESA will publish and regularly update a roster of approved training providers and other opportunities in the Professional Development Calendar, and participants are encouraged to favor those opportunities, but any suitable scientific or professional content will be approved, including credits earned toward certifications offered in the professional practice and application of related scientific disciplines.


You must achieve 44 CEU across the categories as described below. Minima are the lowest number of CEU in a category that must be reported per review period; maxima are the highest number that will count toward your recertification or upgrade. You can of course complete more as you feel is beneficial to your professional development, but don’t report them toward your total requirement of 44 CEU, and don’t report more than 70 CEU across all categories.

Category Minimum Maximum Category I: Professional Education and Training 14 24 Category II: Oral Communication 0 14 Category III: Written Communication 0 14 Category IV: Service 0 14 Category V: Human Dimensions 4 4 Total 44 70

In the spirit of continuing education, some activities are capped per event or year with the aim of distributing effort and professional development across multiple activities and multiple years. Ecologists certified by ESA are encouraged to seek development opportunities from a broad array of sources, and at least 50% of all units reported in Category I must be earned through activities provided by organizations other than ESA. This is to encourage broader professional scientific development and support organizations that support their certification program.

The time period in which you are eligible to earn CEU begins the day after your application due date and ends at the due date of your application for recertification or an upgrade. For instance, the application due date in 2021 was February 1; any CEU-eligible activity after that date can be reported and counted toward the requirements. Note that any participation in continuing education following application does not certain approval of your application, and cannot be included in your application.

Category I: Professional Education and Training

Category I(a) includes scientific education and training that contributes to your professional development as a practicing ecologist. Training may be virtual or in-person.

At least 14 CEU per reporting period must involve education or training in ecology or closely related subjects. Examples include academic or professional development activity in ecology, environmental science, biogeoscience, evolutionary biology, conservation, botany, mycology, entomology, data management, statistics, etc.

Category I(b) includes professional development in key skills for a professional ecologist. Training may be virtual or in-person.

Up to 10 additional CEU per reporting period may involve education and training in leadership, teamwork, project management, resource management, research management and administration, etc., or in allied fields that support your professional development as an ecologist, such as proposal or grant writing.

Category Minimum Maximum I(a): Scientific education and training 14 24 (of 24) I(b): Professional education and training 0 10 (of 24) Total 14 24

You may report up to 24 CEU for Category I toward your total requirement per reporting period.

Activities CEU Participation in courses or symposia sponsored or conducted by commercial organizations, professional organizations, government agencies, employers, or postsecondary institutions Up to 4 per course or event, counting 0.25 per hour of attendance/participation Attendance at oral or poster presentations at annual or semiannual meetings or special conferences of professional societies, educational organizations, etc. Up to 4 per course or event, counting 0.25 per hour of attendance/participation Attendance at in‑house professional development events or similar Up to 4 per year, counting 0.25 per hour of attendance/participation Attendance at seminars conducted by experts in the subject matter Up to 4 per year, counting 0.25 per hour of attendance/participation Category II: Oral Communication

Includes training and practice in the communication of scientific research, data and outcomes via oral presentation. Examples include courses in public speaking or meeting facilitation, or applied instances like oral or live presentations at scientific conferences, teaching a scientific course or providing expert testimony. Includes virtual or in-person presentation. Activities should relate to your professional growth as an ecologist.

You may report up to 14 CEU for oral communication toward your total requirement. There is no required minimum.

Activities CEU Author/coauthor of an oral or poster presentation at a professional scientific meeting 2 per presentation Organizer or instructor of a short course, symposium, special session or workshop 4 per event Instructor of a quarter- or semester-length course up to 10 per course counting 0.25 units per hour of instruction Participation as a panelist or subject matter expert in a short (e.g., hour-long) event 1 per event Presenting ecological or professional courses to another technical or non-technical audience (e.g., presenting a report to clients, community groups, invited talk) 2 per event Testifying as an expert witness before a court or government body 4 per event Category III: Written Communication

Includes writing, editing, reviewing and publishing on courses in ecology and related sciences. Content can include papers for peer-reviewed journals, professional reports, and scientific communication for non-technical audiences (including scientifically rigorous journalism). Teaching this content to others is included, as is participating in or providing training on best practices in science communication. Activities should relate to your professional growth as an ecologist.

You may report up to 14 CEU for written communication toward your total requirement.

Activities CEU Author/coauthor of a peer-reviewed journal article 4 per article Author/coauthor of a book chapter 2 per chapter Author/coauthor of a book 10 per book Editor/coeditor of a book 8 per book Author/coauthor of an ecology-related article for a non-scientific publication such as a magazine, newspaper, etc. 2 per article Author/coauthor of an article-length other technical report (e.g., client work products, monitoring reports, complex ecological permit applications, expert reports, etc.) 3 per report Peer reviewer or editor of an article that has been submitted for publication or a grant application that has been submitted to an agency or organization for funding 1 per article or grant application Reviewer of abstracts for submission to a scientific meeting 1 per review period (e.g., you reviewed several abstracts for the ESA Annual Meeting) Book reviewer for a professional publication 1 per review Category IV: Service

Includes service to a professional scientific society, public science programs, environmental advocacy groups and similar organizations. Activities should relate to your professional growth as an ecologist as you apply your skills as a scientist or leader.

You may report up to 14 CEU for service toward your total requirement.

Activities CEU Holding a governing office (president, board member, committee chair) for a scientific or technical organization, including editors-in-chief or associate editors 8 per year Serving on a committee or task force in a scientific or technical capacity 4 per year Leading a public science program (e.g., coordinating a volunteer monitoring program, leading a school workshop on plant identification) Up to 8 per program counting 0.25 units per hour engaged Participating in a public science program (e.g., a volunteer monitoring program, a school workshop on plant identification) Up to 4 per program counting 0.25 units per hour engaged Mentoring in a scientific organization or educational program (e.g., mentoring a research student, intern, or young professional, or participating in youth mentorship in STEM), or as part of an institutional program (e.g., at your university) Up to 8 per year counting 0.25 units per hour engaged Category V: Human Dimensions

This category must be fulfilled in addition to the other minimum 40 units. Ecologists certified by ESA should seek ongoing professional development in such courses as diversity, inclusion and equity; anti-sexual harassment; scientific or professional ethics; and community engagement.

You must report exactly 4 CEU for human dimensions toward your total requirement (if the total of your activities in this category exceeds 4, just report 4).

Activities CEU Participating in a training in any of the Human Dimensions subjects described above 0.5 per hour of engagement Teaching or providing written materials for a training in any of the Human Dimensions subjects described above 2 per session

*If, for instance, you hold a certification that was issued in 2018, you may upgrade or recertify in 2023, but will need to earn CEU moving forward. By 2026, all program participants will be required to earn and report their CEU.

Teaching Certification

Pre-certification, Initial Preparation Program

All students seeking teaching certification must be formally admitted to the Pre-certification, Initial Preparation Program (Pre-CIP). Admission to the program can occur after the student has completed 12 Bucknell University courses or their equivalents, including two courses in mathematics, one course in British or American literature, and one in composition; and achieved for the three preceding semesters an overall grade point average of at least 3.0. Appeals to this requirement may be made to the chair of the Department of Education.

* Candidates must also pass the Pre-service Academic Performance Assessment tests in reading, writing and math. Students should apply to Pre-CIP as soon as they begin considering a career in education, and no later than the start of the first semester of their junior year. Students are notified of their acceptance or rejection at the end of their sophomore year.

GPA Requirements

The commonwealth of Pennsylvania generally requires an overall grade point average of 3.0 upon completion of the program prior to recommendation for certification to teach.

Specific Requirements for Each Certification Area

All students seeking certification must take two mathematics intensive courses, one English/American literature course and one W1 writing course (in addition to the literature course).

Pre-K–4 7–12 K–12

The following are considered to be "add-on" certifications that require students to concurrently pursue certification in one of the areas above:

  • General Science (requires concurrent certification in biology, chemistry or physics): Required courses
  • ESL Program Specialist, K–12 (requires concurrent certification in Pre-K–4 or one of the 7–12, or K–12 programs listed above): Advising Worksheet and Portfolio
  • Clearances

    In addition to completing an approved program and successfully demonstrating the prescribed role competencies, the prospective teacher must be a "person of good moral character" who "possesses those personal qualities and professional knowledge and skills which warrant issuance of the requested certificate."

    It is the student's responsibility to satisfy these criteria. Students should note that prior to placement in student teaching or any other field experience, they will be required to submit results of a child abuse clearance, criminal background check and fingerprinting pursuant to requirements of the Pennsylvania Department of Education. Results must indicate that there are no criminal or child abuse records.

    Students in Education classes with field experiences can get help navigating the clearance process by contacting the departments Director of Professional Education.

    Act 151: PA Child Abuse History Clearance

    Act 34: PA Criminal History Record Check

    FBI Criminal History (Fingerprint)

    Certification Exams (Praxis or Pennsylvania Education Certification Test)

    In addition to coursework, students must complete and submit scores from required Praxis or Pennsylvania Education Certification Test examinations to the Department of Education. Specific examinations required for each area of certification vary. Although members of the department will advise students concerning examinations, the student is responsible for taking those examinations that meet certification program requirements.

    Learn more about certification testing

    Applying for a Teaching Certificate in Pennsylvania

    After completing the approved program of courses, the student submits an application for a Pennsylvania teaching certificate through the online Teacher Information Management System website not earlier than the first day of the month of graduation.

    Following a review of the student's program, the student may be recommended for certification by the designated officer at Bucknell. As noted above, the student must pass all the competency tests required by the Commonwealth of Pennsylvania for the desired certificate.

    Bucknell's certification officer is able to recommend for certification students who successfully completed one of Bucknell's teacher certification programs, passed the appropriate tests and met all other certification requirements within five years of the student's date of graduation. Because state requirements and/or curricula may change, it may not be possible to make recommendations for certification outside of this five-year window.

    Applying for a Teaching Certificate in Other States

    Students who desire certification in states other than Pennsylvania must understand that teacher certification is governed by state law and that each state has different requirements. Obtaining a Pennsylvania teaching certificate, by completing an approved program and meeting all other requirements, does not ensure that students will be certified in another state.

    Although members of the Bucknell education department will assist students in obtaining information concerning certification in other states, as well as Pennsylvania, it is the student's responsibility to obtain current information and to meet all the certification requirements of any state.

    * These requirements may be modified by the Pennsylvania Department of Education (PDE) due to COVID-19.

    Certification in Special Education

    Drexel University School of Education - Online

    There is a great need for special education teachers as states all across the country are experiencing shortages. ​Today's special​ ​education​ teachers​ ​must​ ​be​ ​highly-skilled​ ​individuals who​ ​not just understand​ ​the​ ​complexities​ ​of​ ​their​ ​students’​ ​needs,​ but are can modify ​curriculum,​ ​and provide​ ​remedial​ ​instruction.

    Drexel​ ​University’s​ School​ ​of​ ​Education​ certification in special education program​ prepares​ ​special​ ​education teachers​ ​for​ ​these​ ​challenges.

    ​What ​Can ​You ​Do ​with ​a ​Special ​Education (SPED) ​Certification?

    Drexel’s​ online​ Special​ ​Education​ ​(SPED) certification​ ​program​ ​seeks​ ​to​ ​produce professionals​ ​who​ ​are​ ​equipped​ ​with​ ​the​ ​fundamental​ ​skills,​ ​knowledge,​ ​and competencies​ ​they​ ​require​ ​to​ ​meet​ ​the​ ​needs​ ​of​ ​students​ ​at​ ​risk​ ​for​ ​school​ ​failure and​ ​students​ ​with​ ​disabilities​ ​in​ ​multiple​ ​settings.​ ​The​ ​program​ ​is​ ​intended​ ​for​ ​those interested​ ​in​ ​gaining​ ​greater​ ​skills​ ​and​ ​expertise​ ​and​ ​a​ ​teaching​ ​certification​ ​in​ ​the area​ ​of​ ​special​ ​education.

    The responsibilities of special education teachers typically include:

  • Assess the skills of a student and develop an Individual Lesson Plan (IEP) that meets their educational needs and make updates based on student progress
  • Teach students individually, or in small group and whole class settings
  • Discuss IEP’s with the student’s parents, teachers, and appropriate school staff
  • Mentor and train teaching assistants who work with students with special needs
  • Transition students from one grade to the next
  • How ​to ​Get ​Certified ​in ​Special ​Education Special Education Certification Eligibility and Admissions Requirements

    This​ online​ ​Special​ ​Education​ ​certification​ program​ ​is​ ​for​ actively​ ​certified​ ​teachers seeking​ ​Pennsylvania's​ ​Special​ ​Education​ ​PreK-12​ ​certification.​ ​Candidates must​ ​have​ ​an​ ​active​ ​PA​ ​Instructional​ ​I​ ​or​ ​Instructional​ ​II​ ​teaching​ ​certificate​.

    Out-of-state​ ​teachers​ ​are​ ​welcome​ ​to​ ​participate​ ​in​ ​the​ ​Special​ ​Education​ ​Program as​ ​non-PA​ ​certification​ ​students.

    To be admitted into the Special Education certification program, students must also have a bachelor’s degree from a regionally accredited institution.

    Required Materials

  • Completed graduate school application
  • Undergraduate GPA of 3.0 or higher (graduate GPA will be considered along with the undergraduate GPA)
  • If you do not meet this requirement, you’re still encouraged to apply and your file will be reviewed on an individual basis by the Program Director
  • Official transcripts from all universities or colleges and other post-secondary educational institutions (including trade schools) attended
  • Two letters of recommendation—professional or academic
  • An essay describing why the applicant is interested in pursuing graduate study in this field
  • Special ​Education ​Certification ​Program Curriculum

    The​ ​Special​ ​Education​ ​Certification​ ​program​ ​is​ ​a​ ​part-time​ online​ program​ ​consisting of​ ​27​ ​graduate​ ​credits.​ ​For​ ​students​ ​that​ ​have​ ​not​ ​completed​ ​the​ ​prerequisite courses,​ ​the​ ​program​ ​will​ ​require​ ​36​ ​credits:​ ​27​ ​credits​ ​in​ ​Core​ ​Special​ ​Education Certification​ ​courses​ ​and​ ​9.0​ ​credits​ ​in​ ​prerequisites​ ​for​ ​certification​ ​in​ ​special education.​ ​The​ ​certification​ ​areas​ ​are​ ​Special​ ​Education​ ​PreK-8​ ​and​ ​Special Education​ ​7-12.

    Course​ ​descriptions​ ​may​ ​be​ ​found​ ​in​ ​the​ ​Drexel​ ​University​ ​Catalog.

    Most​ ​of​ ​the​ ​coursework​ ​in this program requires​ ​field​ ​hours.​ ​Students​ ​must​ ​have​ ​the​ ​necessary clearances​ ​in​ ​order​ ​to​ ​begin​ ​the​ ​program.

    Learning Outcomes and Program Benefits

    There are multiple learning outcomes and benefits of enrolling in the Special Education Certification Program offered at Drexel University School of Education. Through the program, students will:

  • Gain the skills, knowledge, and competencies necessary to meet the needs of students at risk for academic failure and students with disabilities in multiple settings
  • Prepare to teach special education at all grade levels from PreK-12
  • Complete all the courses required under state and federal regulations, as well as the PA General Standards for Special Education and the standards outlined by the Council of Exceptional Children (CEC).
  • How ​Long ​Does ​it ​Take ​To ​Get ​Certified ​in ​Special Education?

    The Special Education certification program is a part-time, accelerated program. Students, on average, complete the program in about a year and a half.


    For certified teachers in Pennsylvania, a special education certification follows the same renewal cycle as the teacher’s original teaching certification. If a teacher converts their Instructional I teaching certification to Instructional II, their special education certification will also be converted.

    Teachers in Pennsylvania must complete their Act 48 requirements every 5 years to renew their certification. This includes 6 semester hours of college credit (there is a conversion for quarter hours), or 180 hours of continuing education programming, i.e., professional development.


    Special Education certification is a great program for teachers who are looking to expand their skills to understand how to teach students with special needs. It also a requirement for teachers who would like to become certified special education teachers. Teachers looking for a rewarding career as a special education teacher would also benefit from this program.

    Master​ ​of​ ​Science​ ​in​ ​Special​ ​Education

    Credits​ ​earned​ ​in​ ​the​ ​Special​ ​Education​ ​Certification​ ​program​ ​may​ ​be​ ​applied​ ​to​ ​the Master​ ​of​ ​Science​ ​in​ ​Special​ ​Education​ ​graduate​ ​program​.​ ​The​ ​MS​ ​program​ ​offers four​ ​concentrations:​ ​Applied Behavior Analysis; Autism​ ​Spectrum​ ​Disorders;​ ​Collaborative​ ​Special​ ​Education Law​ ​&​ ​Process;​ and ​Dyslexia Specialist (Wilson® Level 1 certification).​ ​Students​ ​may​ ​also​ ​work​ ​with​ ​their​ ​academic​ ​advisor​ ​to​ ​develop​ ​a customized​ ​concentration​ ​to​ ​meet​ ​specific​ ​objectives.

    How ​to ​Apply ​to ​the ​Special ​Education ​Certification Program

    The Special Education certification program is offered 100% online. you can get started by filling out the Drexel Online Application.


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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