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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SDI SD0-101 : Service Desk Analyst Qualification 2023 exam Dumps

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Exam Number : SD0-101
Exam Name : Service Desk Analyst Qualification 2023
Vendor Name : SDI
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SD0-101 exam Format | SD0-101 Course Contents | SD0-101 Course Outline | SD0-101 exam Syllabus | SD0-101 exam Objectives

Test Details:
- exam Name: SDI SD0-101 Service Desk Analyst Qualification
- exam Format: Multiple-choice questions
- exam Duration: 60 minutes
- Passing Score: 70%
- Prerequisites: None
- Certification Validity: Lifetime

Course Outline: SDI SD0-101 Service Desk Analyst Qualification

I. Introduction to Service Desk
A. Role and responsibilities of a service desk analyst
B. Service desk processes and best practices
C. Customer service skills and communication techniques

II. Service Desk Operations
A. Incident management and ticket handling
B. Problem management and escalation procedures
C. Change management and release processes

III. IT Service Management (ITSM) Frameworks
A. ITIL (Information Technology Infrastructure Library)
B. COBIT (Control Objectives for Information and Related Technologies)
C. ISO/IEC 20000 (IT Service Management Standard)

IV. Service Desk Tools and Technologies
A. Service desk software and ticketing systems
B. Remote support tools and technologies
C. Knowledge management and self-service portals

V. Customer Relationship Management (CRM)
A. Customer satisfaction measurement and feedback
B. Handling difficult customers and challenging situations
C. Continuous improvement and service excellence

VI. Service Desk Metrics and Reporting
A. Key performance indicators (KPIs) for service desk
B. SLA (Service Level Agreement) management and reporting
C. Performance analysis and improvement strategies

Exam Objectives:
- Understand the role and responsibilities of a service desk analyst
- Apply service desk processes and best practices
- Demonstrate customer service skills and effective communication techniques
- Familiarize with ITSM frameworks, including ITIL, COBIT, and ISO/IEC 20000
- Utilize service desk tools and technologies effectively
- Manage customer relationships and handle challenging situations
- Measure and report service desk performance using metrics and KPIs

The syllabus for the SDI SD0-101 Service Desk Analyst Qualification course will cover the following topics:
- Introduction to Service Desk
- Service Desk Operations
- IT Service Management (ITSM) Frameworks
- Service Desk Tools and Technologies
- Customer Relationship Management (CRM)
- Service Desk Metrics and Reporting

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SDI Desk information source


Best Help Desk Software (2023)

To ensure the best possible help desk software solutions for their readers, they use a rating system ranging from one to five stars. This allows us to objectively compare and contrast each solution against its competitors. Their ratings are not influenced by any third-party relationships. They assign weighted scores to each factor to come up with an overall star rating for each product.

When they rate help desk solutions on their website, they take into account the following factors.


For pricing, they considered several factors, such as how much the software costs, is it a good value for the price and were there any hidden costs or fees. If a provider offered a free trial or a free version of its software, they gave bonus points for that. They also looked at how inexpensive a provider’s lowest-price plan compared to its highest-priced plan and how much benefit a user received by upgrading to a higher plan. This accounted for 10% of their weighted scoring.


We wanted to know what kinds of features the software offers and if it had all of the features that users need. They broke features down into two categories: general features and additional features. For general features, these were features that they expected every software provider to offer, either as part of its regular plan or at least as a paid add-on. These included offering mobile apps―bonus points for offering software for both iOS and Android―plus self-service capabilities, asset management, social media connectivity, access to a knowledge base and community forum for assistance and the ability to work remotely.

For additional, or “nice-to-have” features, they focused on customer support. They were looking for chatbots or live chat options, support widgets, self-service ticketing and reporting dashboards. They wanted to see how responsive each provider’s customer support was and if it was available by phone, email or live chat. They weighted features at 50% of their total score.

Third-party reviews

Looking at third-party customer reviews on websites that included Capterra, G2 and Trustpilot, they looked at customer responses to using the software. They gave higher ratings to providers that had at least 300 or more reviews on these websites and then again to those providers that had positive reviews of at least 3.5 out of 5 on each site.to provide a complete picture of reality and reduce bias. These accounted for 10% of the total score.

Expert analysis

Factors that included ease of use made up the final aspect of their analysis by their panel of experts. When looking at ease of use, they wanted to know how easy it is to set up and use the software, if the interface was intuitive and if the software required any training to get started using it. Besides ease of use, other factors their experts considered were the overall popularity of the software, any stand-out features and the value for the money each provided. Altogether, these criteria make up 30% of the total score.

The best desk pads of 2023, tested and reviewed

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Updated Jul 31, 2023 1:00 PM

If you’re careful, a good desk can last a lifetime—and a good desk pad can help. Sometimes you drop a heavy steel roleplaying die on the surface, or maybe an industrious kid gets curious about what their name would look like permanently etched in it. A desk pad can both add color and organization to your desktop while protecting the surface from scuffs, dents, and chips—prolonging the life of the desk by years for just a few dollars. If you regularly use a computer at your desk—and, honestly, who doesn’t—a desk pad can also play the role of mouse pad, giving you a large scrollable surface. These are the best desk pads we’ve found and tested.

How they chose the best desk pads

Desk pads come in many sizes and are made from various materials. Realistically, it’s hard to say what’s “best” for any individual because so much of the choice comes down to personal taste. For their list of the best desk pads, they scoured Amazon and other retailers to look for unique desk pads that are well-designed, stylish, and made from quality materials. They can’t predict your taste, but they can offer up pieces that make sense for a wide range of technical and aesthetic sensibilities.

The best desk pads: Reviews & Recommendations

If you’ve invested in a nice desk, it doesn’t hurt to invest just a little more to maintain that desk. From the hobbyist to the office worker to the gamer, there’s a desk pad here for everyone. They went with popular and non-traditional suggestions to ensure everyone can find something interesting and exciting to perfect their desk space.

Why it made the cut: People looking for an upgrade over the feel of their raw desk should stop here first.

  • Minimum/Maximum sizes: 29.37 inches x 15.75 inches
  • Thickness: 4.9mm
  • Material: Vegan leather
  • Styles: Black, Grey
  • Pros

  • Comfortable feel
  • Spill-resistant
  • Performance
  • Cons

    Twelve South is best known for its Apple-focused tech accessories, so they were surprised when the company announced the DeskPad, which can be used with any computer or tablet. Even more surprising was how much they really liked it during their tests. Part of the DeskPads’ appeal is its comfortable feel, courtesy of vegan leather. If you’re used to keeping your arms planted on plastic or wood, you’ll notice the extra padding very quickly. In their experience, the DeskPad’s supple feel was a noticeable improvement.

    We had no problem using an optical Bluetooth mouse on the DeskPad, with no hit to performance or hitches. The mouse slid over the surface of this desk pad with ease. They also dropped a little water on the DeskPad to check its “spill resistance” and found that its materials did impede water from soaking in. You’re not going to want to replace your desk pad often, so it’s important that it doesn’t absorb water and get moldy or begin cracking.

    There aren’t any major downsides to using Twelve South’s DeskPad, save for the fact that it’s only offered in one size. If you can make it work on your desk, they highly recommend trying it.

    Best for productivity: Orbitkey Desk Mat

    Why it made the cut: Organization-minded design elements like a secret paper compartment and a cord organizer make the Orbitkey desk mat a useful choice.


  • Minimum/Maximum sizes: 27 x 14.6 inches – 35.2 x 16.6 inches
  • Thickness: 4.9mm
  • Material: Vegan leather
  • Styles: Black, Stone
  • Pros

  • Elegant look
  • Cable organizer/pen holder
  • Secret paper compartment
  • Cons

    While the Orbitkey desk mat seems a bit expensive at a glance, its smart design stands out compared to other pads, with features that make it worth a look. A long pen holder runs along the far edge of the pad, which also creates a path to hide cables that need to run under it. Beneath its vegan leather top and felt bottom, the pad has a compartment for storing papers, whether you just need to keep a receipt handy until you can expense it or need to stash a secret treasure map that you need to keep safe. It looks basic but delivers much more functionality than most similarly simple desk pads.

    Best multifunctional: Adir Self-Healing Reversible Cutting Mat

    Why it made the cut: You can cut it without ruining it!


  • Minimum/Maximum sizes: 12 x 18 inches – 24 x 36 inches
  • Thickness: 3mm
  • Material: Vinyl
  • Styles: Dual-sided green/black
  • Pros

  • Self-healing vinyl
  • Dual-sided
  • Lots of built-in visual tools for hobbyists
  • Cons

    Most of the desk pads on this list are pretty stylish. This one, however, is purely practical. Adir’s self-healing cutting mat is made for tinkerers and craftsmen–anyone whose desk serves as both a computing workstation and a workbench. The self-healing vinyl surface closes up as a blade cuts through it, protecting your desk and keeping the workspace smooth. It serves the most basic need of a desk pad, protecting your desk surface, better than any other pad on this list.

    Best gaming: Razer Goliathus Extended Chroma Gaming mouse pad

    Why it made the cut: This gigantic cloth mouse pad was designed for precision gaming performance.


  • Minimum/Maximum sizes: 10 x 14 inches – 12 x 36 inches
  • Thickness: 3 mm
  • Material: Cloth
  • Styles: Black, Mercury, Quartz, Halo Infinite
  • Pros

  • Customizable RGB lighting
  • Wide enough for a mouse and keyboard
  • A few different styles
  • Cons

  • Requires USB connection to light up
  • Razer is one of the biggest names in PC gaming hardware, with its own take on just about every peripheral. With the Goliathus Extended Chroma, Razer gives you an extremely wide mouse pad that gives you plenty of surface space made specifically for great mouse response. If you plug it into your PC, it also adds a bit of flash to your setup with customizable RGB lighting to match your gaming gear.

    Why it made the cut: Grovemade’s Matte Desk Mat is a beautiful addition to any home office.


  • Minimum/Maximum sizes: 11 x 24.75 inches – 26.5 x 49 inches
  • Thickness: 3.5 mm
  • Material: Vegan leather
  • Styles: Black, Dark Grey, Light Grey, Navy, Light Blue, Light Brown, Orange, Light Pink, Dark Green, Light Green
  • Pros

  • Comfortable to use
  • Wide range of sizes
  • Large color assortment
  • Cons

  • Bigger sizes get expensive
  • Let’s be honest; everybody who’s interested in a desk pad cares at least a little bit about aesthetics. If you care a lot about the look of your workspace, Grovemade’s Matte Desk Mat is the one to get. In their experience, the desk pad looks gorgeous on a desktop, which gave their desk a colorful pop. The company offers 10 color options—including more neutral colors like Black and Light Grey, in case you’d like to go with a more traditional look. Likewise, this desk pad is available in five sizes, so you’ll definitely find one that matches your desk—be mindful that the largest size costs $140.

    Grovemade says its desk pad was designed to work with optical mice, which was true in their experience. They had no performance hiccups during their tests and liked how the vegan leather felt under their arms. You’ll pay a little more for Grovemade gear, but its quality—and the fact that it’s manufactured in the U.S.—easily justifies it. If you want to make your workspace more comfortable, functional, and better looking, don’t skip Grovemade’s Matte Desk Pad.

    Best clear: Artistic Krystal View antimicrobial desk pad

    Why it made the cut: Most desks are much dirtier than you realize. If that bothers you, an antimicrobial desk pad may help.


  • Minimum/Maximum Sizes: 19 x 24 inches
  • Thickness: 4mm
  • Material: Vinyl
  • Styles: Clear, frosted, black
  • Pros

  • Clear surface lets you put notes and photos underneath
  • Antimicrobial protection in the pad
  • Cons

    The Artistic Krystal View antimicrobial desk pad offers something a little different: It’s infused with Microban, an antimicrobial additive that helps it resist bacterial and fungal build-up. Most antimicrobial products are coated with it, so the protection wears off eventually. The Artistic pad has that protection built in so that you can wash the mat without worry. A clear mat also offers a nice opportunity for you to put the desk surface to use. You can slide notes, pictures, calendars, and things like that underneath to keep them in view without having them sliding around and getting in the way.

    Best smart: KeySmart TaskPad

    Why it made the cut: With so many wireless charging devices out there, having a charger built into your desk pad makes life easier.


  • Minimum/Maximum Sizes: 16.54 x 35.43 inches
  • Thickness: 2mm
  • Material: PU Leather
  • Styles: Black
  • Pros

  • Nice size
  • Built-in charger
  • Cuts down on overall cable clutter
  • Matte black look blends into any desk setup
  • Cons

    The KeySmart TaskPad is a bit pricey but offers some very convenient features. The PU Leather desk pad features a Qi wireless charging station on the left-hand side, which can charge up your iPhone 14, Pixel 7 Pro, Samsung Galaxy S23 Ultra, or just about any other mid-range or premium smartphone, as well as any number of Qi-enabled earbuds, mice, watches, and other devices. Having a standard spot for your phone helps keep it from getting out of eyesight, and while the charger is slow, it’ll help keep you topped off throughout the day.

    Best felt/wool: Oakywood Merino Wool and Cork Desk Mat

    Why it made the cut: Oakywood’s wool and cork desk pad is perfect for glass and steel desktops and is especially eco-friendly.


  • Minimum/Maximum Sizes: 24.4 x 11.8 inches – 35.5 x 11.8 inches
  • Thickness: 3mm
  • Material: Cork-backed felt
  • Styles: Anthracite or Gray
  • Pros

  • Eco-friendly
  • Non-slip cork backing
  • Stylish
  • Cons

  • Wool isn’t for everyone
  • Our desks are often cold, hard surfaces that can leave us with icy hands, and anything that can warm up your office environment is a good thing. One solution, besides bundling up or using a space heater, is Oakywood’s wool desk mat, which does provide some warmth. It feels especially well-suited to metal and glass desks, as well as cooler climates, which is true of the basement office I sometimes work from. The wool and cork pad puts a warm, soft barrier between me and my cold, hard desktop.

    Oakywood suggests cleaning the pad with a vacuum from time to time, but I haven’t and never noticed any noticeable gunk buildup in months of testing. I have been mindful not to spill liquid on it, though, as the wool wouldn’t repel it. The only downside to using this desk pad is that wool is far more abrasive than leather—vegan or otherwise. I didn’t mind, and it didn’t hinder the performance of my mouse, but this is something to keep in mind if you have sensitive skin.

    Best budget: YSAGi Multifunctional Office Desk Pad

    Why it made the cut: YSAGi offers tons of different color and size options for a bargain-bin price.


  • Minimum/Maximum Sizes: 13.7 x 23.6 inches – 23.6 x 47.2 inches 
  • Thickness: 2mm
  • Material: PU Leather
  • Styles: 14 dual-sided color options
  • Pros

  • Very affordable
  • Dual-sided
  • Lots of sizes and colors
  • PU Leather is durable
  • Cons

    With so many YouTubers out there showing off their desk setups, creating a coordinated and stylish look for your office is more popular than ever. YSAGi’s dual-sided desk pad is a perfect way to add both color and aesthetic structure to your desk space. You can find a YSAGi desk pad to fit any style or desk arrangement: It comes in four different sizes and as many as 14 color combinations. (Not every color is available in every size, though.) There are a variety of options with a cork side, as well. No matter what you pick, it costs less than $15. That’s far less than we’d expect to pay for a good desk pad.

    Things to consider before buying a desk pad

    Every desk is a little bit different, so picking the perfect desk pad may require a little bit of forethought. If you’re using a small desk, you don’t want to get an XXXL pad that will cover the whole surface. An overly thick pad can mess with your desk’s ergonomics. Wool and felt desk pads look great, but you don’t want one if you have a habit of knocking over drinks or eating at your desk. Here are a few things to keep in mind as you look for a surface that speaks to you.

    Measurements are key

    This should go without saying, but your desk pad should fit on your desk with room to spare. Like a pair of pants, technically getting the desk on the pad is not good enough. You want it to “fit” well and look good.

    Measure the space you want the pad to cover carefully, then pick one that’s a little smaller, if you can, to keep it from completely dominating your desk. An oversized desk pad creates more problems than it solves, taking up room you need for other things. It won’t matter if the mat has wireless charging, RGB lighting, or cable organizers if the desk pad gets in your way. If it’s too small, well, then you won’t have room for writing and typing and whatever else you plan to do in that space.

    Materials matter

    There are tons of different materials available for desk pads. Manufacturers use all kinds of stuff to make them, including linoleum, vinyl, leather, Polyurethane (PU) leather, merino wool, cork, cloth, and more. Some materials, like vinyl and PU leather, are chosen for durability, while merino wool, cork, and leather look and feel more luxurious.

    Consider your habits before picking a specific desk pad material, especially with more niche and/or expensive options like wool, leather, or cloth. Do you want your desk pad to double as a mouse pad? If so, you should probably want to avoid materials that aren’t smooth, like wool. Be really honest with yourself: How often do you spill coffee on your desk? If the answer is more than “never,” then avoid pads made out of cloth or fiber. Gamers will specifically want to look for a low-friction surface with a very grippy base so they can mouse around freely during heated Fortnite sessions.

    Can you write on it?

    While they don’t spend as much time penning missives as they did half a century ago, most of us still pick up a pen from time to time to sign documents, write diaries, or jot down grocery lists and other daily notes. If your pad is thick and relatively squishy–think of the classic mouse pads that used to come with their computers—you may find it challenging to write sharp, legible lines. Consider how often you use your desk for handwriting, and whether you’d prefer to put papers on the pad, or directly on your desk.

    FAQs Q: How much does a desk pad cost?

    This depends on its size and materials. Their recommendations range from under $20 to $140, but most cost well under $100.

    Q: Are wool desk pads good?

    A wool desk pad can be a great way to keep your wrists from sticking to a glass desktop or cold steel surface. On the other hand, wool requires more work to clean and is easily ruined if it soaks up spilled liquids. If you go with a wool or felt pad, stick to drinking water at your desk.

    Q: How thick should a desk pad be?

    Generally speaking, you don’t want an overly thick desk pad. They’re usually just 2-4 mm thick. That’s enough to protect the desk, but not so much that it props up your wrists in an uncomfortable way.

    Q: Does a desk pad make your keyboard sound better?

    Using a desk pad should make a huge difference in how most keyboards sound. Your Macbook, for example, won’t sound much different on your desk surface versus a pad. If you’re using a mechanical keyboard on a hollow desk, though, it may reduce the resonance between the desk and keyboard at least a little bit.

    Q: How thick should a desk pad be?

    There’s no hard and fast rule about this, but most desk pads fall between 3mm and 4.5mm, enough to provide ample padding.

    Q: Does a desk pad make your keyboard sound better?

    No, a desk pad will not Improve the audio quality of your keyboard. It’ll still be as clicky as it ever was. A desk pad may prevent your keyboard from sliding around.

    Final thoughts on the best desk pads

    It’s easier than ever to coordinate, warm up, class up, and protect your workspace, thanks to the wide selection of desk pads. You can find various sizes and materials to fit just about every workspace, and this list provides options that’ll suit any home office. If you’re curious about extra-large desk pads, they have an entire guide dedicated to them.

    Why trust us

    Popular Science started writing about technology more than 150 years ago. There was no such thing as “gadget writing” when they published their first issue in 1872, but if there was, their mission to demystify the world of innovation for everyday readers means they would have been all over it. Here in the present, PopSci is fully committed to helping readers navigate the increasingly intimidating array of devices on the market right now.

    Our writers and editors have combined decades of experience covering and reviewing consumer electronics. They each have their own obsessive specialties—from high-end audio to video games to cameras and beyond—but when we’re reviewing devices outside of their immediate wheelhouses, they do their best to seek out trustworthy voices and opinions to help guide people to the very best recommendations. They know they don’t know everything, but we’re excited to live through the analysis paralysis that internet shopping can spur so readers don’t have to.


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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