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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Exam Number : SCNP-EN
Exam Name : SCNP Strategic Infrastructure Security
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SCNP-EN exam Format | SCNP-EN Course Contents | SCNP-EN Course Outline | SCNP-EN exam Syllabus | SCNP-EN exam Objectives

Exam Detail:
The SCNP-EN (Strategic Infrastructure Security) exam is designed to assess the knowledge and skills of individuals in strategic infrastructure security concepts and practices. Here is a detailed overview of the exam, including the number of questions and time, course outline, exam objectives, and exam syllabus.

Number of Questions and Time:
The SCNP-EN exam typically consists of 75 multiple-choice questions. The duration of the exam is 90 minutes.

Course Outline:
The SCNP-EN certification course covers various syllabus related to strategic infrastructure security. The course outline may include the following components:

1. Introduction to Strategic Infrastructure Security:
- Understanding strategic infrastructure security concepts and principles
- Importance of strategic infrastructure security in modern organizations
- Threat landscape and emerging security challenges

2. Security Governance and Risk Management:
- Security governance frameworks and models
- Risk management methodologies and processes
- Security policy development and implementation

3. Strategic Infrastructure Security Planning:
- Developing strategic security plans
- Threat modeling and risk exam
- Security controls and countermeasures

4. Security Architecture and Design:
- Designing secure infrastructure architectures
- Security requirements and considerations
- Secure network and system design principles

5. Security Incident Management and Response:
- Incident management processes and frameworks
- Incident detection, analysis, and response
- Business continuity and disaster recovery planning

6. Legal and Regulatory Compliance:
- Compliance frameworks and standards
- Data privacy and protection laws
- Intellectual property protection

Exam Objectives:
The objectives of the SCNP-EN certification exam are to assess the candidate's understanding and knowledge in the following areas:

- Strategic infrastructure security concepts, principles, and terminology
- Security governance, risk management, and policy development
- Planning and design of secure infrastructure architectures
- Incident management and response processes
- Compliance with legal and regulatory requirements

Exam Syllabus:
The SCNP-EN exam syllabus covers the following topics:

1. Introduction to Strategic Infrastructure Security
2. Security Governance and Risk Management
3. Strategic Infrastructure Security Planning
4. Security Architecture and Design
5. Security Incident Management and Response
6. Legal and Regulatory Compliance

Candidates are expected to have a solid understanding of these syllabus and their practical application in the field of strategic infrastructure security. The exam assesses their ability to analyze security requirements, develop security plans, implement security controls, and respond to security incidents effectively.

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Rapid Test Can Identify a Key Driver of Severe Asthma by Tracking Protein Signatures

A rapid sputum-based test can accurately identify the presence of white blood cells by tracking their protein signatures.

Researchers have developed a new rapid sputum-based test that can identify the presence of a key driver of severe asthma, white blood cells. A simple, rapid testing device has the potential to detect key drivers of respiratory diseases, including asthma, and would Excellerate accessibility and efficiency in identifying patients with asthma.

The full experimental study is published in Angewandte Chemie International Edition.1

In this study, researchers aimed to develop a new sputum-based lateral flow device (LFD), similar to that of a rapid COVID-19 test, that can quickly and accurately identify eosinophils in complex biological samples, such as sputum, by tracking their protein signatures.

“This is what their collaboration set out to achieve,” said John Brennan, PhD, director of McMaster University’s Biointerfaces Institute and senior study author, in a statement.2 “This test and others like it can have the kind of lasting, meaningful impact that will Excellerate or even save many lives.”

White blood cells, otherwise known as eosinophils, are known to play a role in many airways diseases, including chronic cough, chronic obstructive pulmonary disease (COPD), and certain forms of vasculitis and bronchiectasis. Measurements of eosinophil peroxidase (EPX) are the most abundant and specific of eosinophil cationic proteins and a reliable identifier of eosinophil number and activity.

The researchers developed a protein-targeting element known as a DNAzyme and modified it into the rapid test. Although DNAzymes have primarily been used for detecting metals or bacterial targets, the researchers believed the new platform could be adapted to identify any material of biological origin by detecting its protein signature.

A modified version of the test acted as a bridging strand to allow capture of complimentary DNA (cDNA) modified gold nanoparticles (GNPs) onto a DNA-modified test line to identify measurements of EPX.

Thirty-eight sputum samples from patients or healthy donors were obtained using saline-induction or spontaneous expectorant. Healthy donors included nonsmokers with no known respiratory disease, infection, or symptoms who had not received any vaccination in the prior 8 weeks.

To compare the rapid test results to gold standard sputum cytometry results, the sputum plugs were collected and processed to created 2 sputum samples. One of the samples was centrifuged to remove cellular debris and the other for use with the LFD.

The DNAzyme-based LFD and fluorescence assay for detection of EPX showed good resistance to mammalian nucleases and high sensitivity and selectivity against other eosinophil proteins, including eosinophil cationic protein and eosinophil-derived neurotoxin, and neutrophil proteins, including myeloperoxidase. Furthermore, these assays were validated with patient sputum levels, reaching 100% clinical sensitivity and 96% specificity within 45 minutes.

However, the researchers acknowledge that further work needs to be done to evaluate the rapid test in a clinical setting.

Parameswaran Nair, MD, PhD

“A rapid test to detect eosinophilia would help clinicians make decisions about using drugs, such as steroids or new biologics for patients with severe asthma, and other lung diseases associated with eosinophilia, such as severe cough, and COPD,” said Parameswaran Nair, MD, PhD, professor of medicine at McMaster University and co-author of the study, in a statement.2 “It would also help to limit the unnecessary use of antibiotics.”


1. Ali MM, Mukherjee M, Radford K, et al. A rapid sputum‐based lateral flow assay for airway eosinophilia using an RNA‐cleaving DNAzyme selected for Eosinophil peroxidase. Angew Chem Int Ed Engl. Published online July 21, 2023. doi:10.1002/anie.202307451

2. While resolving a key asthma challenge, Hamilton researchers also create a new method to detect proteins in body fluids and other materials. News release. EurekAlert! August 1, 2023. Accessed August 23, 2023. https://www.eurekalert.org/news-releases/997344

How To Pass The ASWB exam To Become A Licensed Social Worker

Editorial Note: They earn a commission from partner links on Forbes Advisor. Commissions do not affect their editors' opinions or evaluations.

Social work licensing practices vary widely by state. Some states require entry-level and generalist social workers to pass an exam and earn licensure. In other states, you only need a license to become a licensed clinical social worker (LCSW) and provide psychotherapy services.

In many states, social work licensure at any level requires you to pass an exam administered by the Association of Social Work Boards (ASWB). The ASWB exam is a nationally recognized exam that evaluates your comprehension of human behavior and development.

If you’re a social work major or considering pivoting into the human services field, read on to discover how to prepare for, take and pass the ASWB licensure exam—with or without a social work degree.

What Is the ASWB Exam?

ASWB is a nonprofit organization comprising all of the state social work regulatory boards in the United States and Canada. This body regulates the social work profession and administers the licensure exam that evaluates prospective social workers’ ethics and expertise. Passing the ASWB exam is the final step to earning a social work license in many states.

ASWB offers five exam categories—associate, bachelor’s, master’s, advanced generalist and clinical—each tailored to a specific education and experience level. A candidate’s exam category determines their title and scope of practice post-licensure.

Within a four-hour window, ASWB exam-takers must answer questions concerning:

  • Human development, diversity and behavior in the environment
  • Assessment (of clients’ physical and mental status)
  • Interventions with clients
  • Professional relationships, values and ethics
  • ASWB exam Categories

    All ASWB exam categories contain 170 questions on human development and behavior, but question types may vary among categories. For example, the associate and bachelor’s exams lean more heavily on recall questions than other exam categories, which feature larger proportions of reasoning questions.

    Each exam category may lead to a different level of social work licensure depending on your state’s licensing processes. Not all states offer all five categories of the ASWB exam.


    This category offers a licensure pathway for applicants who want to practice social work without earning a four-year degree in the field. In most cases, associate-level social workers can only practice under supervision.

    A handful of states offer this licensing pathway: South Dakota, Michigan, Ohio, New Hampshire and Massachusetts. Only South Dakota, New Hampshire and Massachusetts require associate-level social workers to pass the associate ASWB exam.

    Registration for the associate ASWB exam category costs $230.


    The ASWB bachelor’s exam, which also costs $230, evaluates your generalist understanding of social work practices and ethics. You must hold a bachelor’s degree in social work from an accredited college to sit for this exam category.

    The bachelor’s category features the same questions as the associate category.

    Passing the bachelor’s exam qualifies you to become a non-clinical baccalaureate social worker. Exact titles vary among states; in Oregon, these professionals are called registered baccalaureate social workers, while North Carolina calls them certified social workers.

    In most cases, social workers at this level interview clients, manage cases, conduct research and advocate for social justice. Depending on the state, they may only be able to practice autonomously after gaining supervised work experience post-licensure.


    The ASWB master’s category requires a master of social work (MSW) and usually qualifies applicants for the licensed master social worker (LMSW) credential. Again, the exact title may vary by state—Indiana calls these professionals licensed social workers, for example.

    The master’s-level exam tests your foundational understanding of the social work field and evaluates your application of specialized skills gained during their MSW program. Licensees know how to apply advanced practice skills and specialized knowledge in their roles.

    LMSWs can drive social change and justice for various communities. In some states, they can provide clinical therapy with oversight from an LCSW. The registration fee for this ASWB exam category is $230.

    Advanced Generalist:

    The advanced generalist category is tailored to prospective LMSWs who aspire to work in macro-level roles. This means working with large populations, such as entire states and countries. The advanced generalist ASWB exam indicates a desire to work with public policy, state or national campaigns, or other government initiatives.

    To sit for the advanced generalist ASWB exam, you must hold a master’s degree in social work plus two years of nonclinical professional experience.

    With a fee of $260, test takers can prove their expertise in social justice, public policy and administration, and public welfare to their state licensing boards.


    The minimum requirements for this ASWB category include an MSW and two years of clinical experience. The clinical ASWB test serves prospective social workers who want to provide mental health services in clinical settings.

    LCSWs (who may work under different titles, depending on where they practice) provide psychotherapy services to prevent, diagnose and treat mental illnesses. Through individual or group therapy, these professionals help people struggling with emotional distress.

    Clinical social workers practice independently in various settings, including hospitals, schools, psychiatric facilities and social service agencies. Registering for the clinical ASWB exam category costs $260.

    Signing Up for the ASWB Exam Apply for a State License

    First, you must get your state board’s approval to register for the ASWB exam. Approval processes differ depending on the state where you want to practice.

    Typical requirements vary by state and license level but may include college transcripts, a license application fee and proof of supervised experience, which you can send to the board via email or fax. Some states may also require you to provide fingerprints and undergo a background check.

    Sign Up for the ASWB Exam

    Once you receive approval from your state social work board, you must register for the appropriate ASWB licensure exam, either online, via mail or by fax. Registration costs between $230 and $260, depending on your exam category.

    If your registration is successful, you’ll receive an “authorization to test” email from ASWB.

    Schedule Your Test with Pearson VUE

    Pearson VUE provides testing centers for licensure applicants nationwide. You can schedule, cancel and reschedule exam appointments with Pearson VUE through the testing authorization email.

    Preparing for the ASWB Exam Understand How the exam Is Structured

    The ASWB exam is a four-hour, computer-based test comprising 170 multiple-choice questions that test your expertise and decision-making skills as a social worker.

    Exam questions cover various content areas and competencies you should have covered during your degree program. You may also find knowledge, skills and abilities statements resembling real-life situations that require critical thinking. To pass the licensure exam, you must answer about 100 out of the 150 questions correctly.

    Take a Practice Test

    Although self-study is necessary to pass professional exams, practice exams can help you prepare better. By taking a mock test, you can identify loopholes in your study plan, learn the testing software, understand your strengths and areas for improvement, and prepare for complex questions.

    After you register for your exam, ASWB offers a 30-day window to take a practice questions for an additional $85. Practice exams exist for all categories except the advanced generalist exam.

    Other test prep resources offer free practice tests, but ASWB warns against those resources because their content may be misleading.

    Know What to Expect on Test Day

    ASWB enforces several security measures on test day to ensure a reliable exam process. Prepare to present two photo IDs and sign a confidentiality agreement.

    Pearson VUE test centers are fitted with surveillance tools to detect exam malpractice. Exam Center personnel may also walk through the room at intervals.

    You cannot enter the testing center with personal items, but you will receive erasable note boards, markers and other necessary materials from the Exam Center personnel. You must return the items after the exam or risk invalidating your score.

    The testing equipment should look like a typical computer setup. Test administrators may provide a short on-screen tutorial to help you navigate the software.

    Decompress After the Exam

    Upon completing the licensure exam, you’ll receive an unofficial score report at the Exam Center indicating your performance. ASWB will then send the official score report to your state’s social work board two weeks after the exam.

    Note that your scores cannot be altered at any point, so all you can do is wait for your state board to contact you or go ahead with other state-specific requirements. This may take anywhere from two weeks to a month.

    If you fail the licensure exam, you can retake it after 90 days.

    Frequently Asked Questions (FAQs) About the ASWB Exam What does the ASWB exam stand for?

    The ASWB exam stands for the Association of Social Work Boards examination. This test determines whether a candidate is fit to practice social work at their desired licensure level.

    What percentage of people pass the ASWB exam?

    A exact ASWB report showed that 75.8% of first-time test takers passed the clinical exam category in 2021. The master’s and bachelor’s categories had pass rates of 73% and 68.7%, respectively.

    What is a passing score on the ASWB practice exam?

    Specific passing score thresholds on the ASWB exam may vary with each passing year. ASWB recommends that testers correctly answer 90 to 107 of the graded questions to pass the licensure exam.


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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