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.

Wo erhalte ich vollständige Informationen über STAAR?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der STAAR: State of Texas Assessments ofAcademic Readiness Prüfung.

2024 Updated Actual STAAR questions as experienced in Test Center

Aktuelle STAAR Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz

STAAR Practice Questions - State of Texas Assessments ofAcademic Readiness | https://www.easyfinanz.cc/

Certification-Board STAAR : State of Texas Assessments ofAcademic Readiness ACTUAL EXAM QUESTIONS

Exam Dumps Organized by Martin Hoax

Latest 2024 Updated Certification-Board State of Texas Assessments ofAcademic Readiness Syllabus
STAAR ACTUAL EXAM QUESTIONS / Braindumps contains real test Questions

Practice Tests and Free VCE Software - Questions Updated on Daily Basis
Big Discount / Cheapest price & 100% Pass Guarantee

STAAR Exam Center Questions : Download 100% Free STAAR ACTUAL EXAM QUESTIONS (PDF and VCE)

Exam Number : STAAR
Exam Name : State of Texas Assessments ofAcademic Readiness
Vendor Name : Certification-Board
Update : Click Here to Check Latest Update
Question Bank : Check Questions

Get 100% marks in STAAR test with these PDF Braindumps
Passing the STAAR test alone is not sufficient for real performance in the field. You need adequate STAAR information that will Improve your practical skills. They focus on enhancing your understanding of STAAR goals by providing genuine STAAR test questions and VCE practice tests.

In order to succeed in the Certification-Board STAAR exam, simply reading the STAAR course guide is not enough. Killexams.com offers a comprehensive solution by providing real STAAR Latest Topics in the form of Exam Cram and VCE test simulator. You can start by downloading 100% free STAAR Latest Topics sample questions to ensure your satisfaction with the quality of their product. Once you are ready to take the next step, register for the full version of STAAR Latest Topics at an attractive discount. Additionally, download and install STAAR VCE test simulator on your computer to memorize STAAR Exam Cram and take practice tests regularly.

Real Certification-Board STAAR exams are challenging and cannot be passed with only STAAR textbooks or free Test Prep available online. Killexams.com gathers real STAAR Latest Topics and provides VCE test simulator to help you prepare for the complex scenarios and difficult questions that are asked in the real STAAR exam. Avail their special discount coupons and benefit from their Latest, Legitimate and 2024 Updated Certification-Board State of Texas Assessments ofAcademic Readiness dumps that are essential for passing the STAAR test and enhancing your career prospects. They are committed to helping individuals pass the STAAR test on their first attempt, and their STAAR Exam Cram are always up-to-date and of the highest quality. Their clients trust us and their VCE for their real STAAR exam, and they keep their STAAR Exam Cram valid and updated at all times. Use their State of Texas Assessments ofAcademic Readiness ACTUAL EXAM QUESTIONS to achieve High Score on the exam.

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


Assessing Process Skills

Calculator Policy

Graph Paper

Griddable Item Format

Reference Materials

Performance Level Descriptors

Performance Standards

Performance Standards

Progress Measures

STAAR Progress Measure

STAAR On-Track Measure

ELL Progress Measure

Raw Score Conversion Tables

Raw Score Conversion Tables

Reading (Grades 3–8)

Dictionary Policy

Test Design Schematic

Performance Level Descriptors

Released Test Questions

Test Forms

Sample Questions


Assessing Process Skills

Calculator Policy

Griddable Item Format

Reference Materials

Performance Level Descriptors

Social Studies

Assessing Process Skills

Clarification on Social Studies TEKS for State-mandated Assessment

Performance Level Descriptors

Statewide Item Analysis Reports

Statewide Item Analysis Reports

Statewide Summary Reports

Statewide Summary Reports

Student Expectations Tested

Student Expectations Tested

Test Administration

District and Campus Coordinator Manual

Test Administrator Manuals

Test Security Supplement

Writing and English I, II, III

Dictionary Policy

Example of Lined Page

Example of Response Box


Scoring Guides

Test Design Schematics

Performance Level Descriptors

Grades 3–8 Assessments

Assessed Curriculum Blueprint Released Test Questions

Grade 3 Reading | Mathematics Reading | Mathematics

Released Test Questions

Grade 4 Reading | Mathematics | Writing Reading | Mathematics | Writing

Grade 5 Reading | Mathematics | Science Reading | Mathematics | Science

Grade 6 Reading | Mathematics Reading | Mathematics

Grade 7 Reading | Mathematics | Writing Reading | Mathematics | Writing

Grade 8 Reading | Mathematics | Science |

Social Studies Reading | Mathematics | Science |

Social Studies

Killexams Review | Reputation | Testimonials | Feedback

No time to study STAAR course books! need some thing speedy preparing.
I would like to express my gratitude towards the remarkable assistance provided by killexams.com. The dumps that were supplied by them proved to be immensely helpful, resulting in my securing an impressive score of 92% in the real STAAR exam. The entire credit for this accomplishment goes to the team at killexams.com, and I am confident that it would have been difficult to attain such excellent results with any other product. It is undoubtedly a great product, and I highly recommend it to everyone.

I feel very confident by using valid STAAR braindumps.
I am grateful for the effort put into creating the test simulator. It is an excellent resource, and I was able to pass my STAAR test with ease thanks to the Braindumps provided by the killexams.com team.

How much does it cost STAAR qustions bank with real dumps
I highly recommend killexams.com to anyone preparing for the STAAR exam. I used this kit to prepare for my test and it exceeded my expectations. I did not set my hopes too high and focused on the legit syllabus to ensure that I covered all topics. killexams.com had them all covered, and their guidance was very stable, making me feel confident on the test day. What made killexams.com truly incredible was when I realized that their questions were precisely the same as what was on the real exam. This was a great relief and I would encourage everyone to try killexams.com.

Take a clever move to pass STAAR
Killexams.com provides excellent coverage of STAAR test topics, and I highly recommend this training to anyone preparing for the exam. With hard work and dedication, you can achieve great success like me and enjoy your achievement.

That was Awesome! I got LaACTUAL EXAM QUESTIONS of STAAR exam.
I am grateful to Killexams for helping me score high in my STAAR exam. The certification is known to be tough, but with Killexams material in hand, it was not too challenging. I would recommend this site to all students looking for reliable academic offerings to prepare for their exams.

Certification-Board ofAcademic ACTUAL EXAM QUESTIONS


Board of Professional Certification

The primary objectives of the Society’s certification program are serving the needs of ecologists who wish to establish and validate their credentials in the context of their ecological activities; guiding biologists, government agencies, courts and the public in defining minimum standards of education and experience for professional ecologists, and of encouraging all practicing ecologists to meet such standards; creating and maintaining public confidence in the advice and opinions of certified ecologists as educated and experienced professionals; and assisting the public in identifying ecologists.

The certification program is administered by the Board of Professional Certification, which is responsible for:

  • Providing the program with the guidance and oversight of professional scientists from a variety of career fields—practitioners, academics, educators and others
  • Establishing a procedure for critical peer evaluation based upon defined minimum education, experience and ethical standards
  • Evaluating the merits of providers of continuing education units (CEU) based on scientific and professional content for rigor and suitability to the professional development needs of professional ecologists
  • Reviewing and approving applications for certifications, including verifying completion of CEU requirements
  • Censuring, suspending, and revoking certifications
  • Composition
  • Chair: The Board of Professional Certification shall elect from its membership a chair, who shall serve a one-year term and may be re-elected for additional consecutive term. The chair is the primary liaison with staff between meetings and is sometimes, as both subject matter expert and leader of the board, invited to meet with partner organizations or potential content providers.
  • Members: Up to 11 members elected by ESA’s membership. Each nominee for the Board of Professional Certification must be a certified Ecologist. Each Board member shall serve a three-year term and is eligible for re-election to one additional consecutive term. Terms commence in January following the year of election and terminate three Decembers after.

    Members meet with staff approximately monthly to complete any necessary discussion of applicants, review content of potential CEU providers and discuss other ESA business, including opportunities to enhance the program’s function and visibility.

  • Members
  • Arvind Bhuta (2024-2026)USDA Forest Service
  • Justin Compton (2022-2024)Springfield College
  • Audrey Mayer (2024-2026)U.S. Fish & Wildlife Service
  • Drew Rayburn (2023-2025) Nature Conservancy in Colorado
  • Susan Sherrod (2022-2024)BioHabitats, Inc. and University of Colorado Denver
  • Kat Superfisky (2023-2025)City of Los Angeles, CA
  • Roger Viadero (2024-2026)Western Illinois University
  • The BPC is supported by staff, whose responsibilities include:

  • Marketing the program to ecologists who may be interested in certification
  • Meeting and negotiating with potential CEU providers
  • Providing review of applications and verification of continuing education per the standards set by the BPC and Governing Board, and escalating necessary applications to the BPC
  • Updating program details and requirements per BPC determinations
  • Serving as point of contact for certified ecologists

  • board test results News

    Bihar Board Inter Results 2023 declared on biharboardonline.bihar.gov.in, here's direct link

    The BSEB Bihar board released the results for the class 12th board exams today i.e., March 21, 2023. The exams were conducted in February 2023, and the results are eagerly awaited by students, teachers, and parents. The board has a reputation for conducting fair and transparent examinations, and students can check their results on the official website or through SMS or mobile app.

    Interdisciplinary Studies in Education

    Interdisciplinary Studies in Education (Ed.D.) -

  • The number of examinations is based upon discussion between the two approved faculty advisors and the student.
  • If the examination will be proctored by the Office of Doctoral Studies, it must be held on one of the three approved dates by the college (February, June, or October)
  • If the examination will be a Take-Home examination, it can be held at any time during any term.
  • Certification test Application form required in the term the test will be held
  • If Proctored by ODS, check AM, PM, or AM & PM box
  • If Take-Home, check Take-Home box
  • A letter signed by both academic advisors must be included with application form stating:
  • Short description of the test including how it will be administered
  • The start date of the exam
  • The due date of the exam


    While it is hard job to pick solid certification questions/answers regarding review, reputation and validity since individuals get sham because of picking incorrec service. Killexams.com ensure to serve its customers best to its efforts as for ACTUAL EXAM QUESTIONS update and validity. Most of other's post false reports with objections about us for the brain dumps bout their customers pass their exams cheerfully and effortlessly. They never bargain on their review, reputation and quality because killexams review, killexams reputation and killexams customer certainty is imperative to us. Extraordinarily they deal with false killexams.com review, killexams.com reputation, killexams.com scam reports. killexams.com trust, killexams.com validity, killexams.com report and killexams.com that are posted by genuine customers is helpful to others. If you see any false report posted by their opponents with the name killexams scam report on web, killexams.com score reports, killexams.com reviews, killexams.com protestation or something like this, simply remember there are constantly terrible individuals harming reputation of good administrations because of their advantages. Most clients that pass their exams utilizing killexams.com brain dumps, killexams PDF questions, killexams practice questions, killexams test VCE simulator. Visit their example questions and test brain dumps, their test simulator and you will realize that killexams.com is the best ACTUAL EXAM QUESTIONS site.

    Which is the best dumps website?
    Sure, Killexams is 100 % legit and also fully well-performing. There are several benefits that makes killexams.com authentic and genuine. It provides up to date and 100 % valid ACTUAL EXAM QUESTIONS that contain real exams questions and answers. Price is nominal as compared to almost all the services on internet. The Braindumps are refreshed on typical basis with most exact brain dumps. Killexams account arrangement and device delivery is extremely fast. Data downloading is actually unlimited as well as fast. Aid is avaiable via Livechat and Netmail. These are the characteristics that makes killexams.com a sturdy website that come with ACTUAL EXAM QUESTIONS with real exams questions.

    Is killexams.com test material dependable?
    There are several Braindumps provider in the market claiming that they provide real test Questions, Braindumps, Practice Tests, Study Guides, cheat sheet and many other names, but most of them are re-sellers that do not update their contents frequently. Killexams.com is best website of Year 2024 that understands the issue candidates face when they spend their time studying obsolete contents taken from free pdf download sites or reseller sites. Thats why killexams.com update test Braindumps with the same frequency as they are updated in Real Test. ACTUAL EXAM QUESTIONS provided by killexams.com are Reliable, Up-to-date and validated by Certified Professionals. They maintain dumps collection of valid Questions that is kept up-to-date by checking update on daily basis.

    If you want to Pass your test Fast with improvement in your knowledge about latest course contents and courses of new syllabus, They recommend to download PDF test Questions from killexams.com and get ready for real exam. When you feel that you should register for Premium Version, Just choose visit killexams.com and register, you will receive your Username/Password in your Email within 5 to 10 minutes. All the future updates and changes in Braindumps will be provided in your download Account. You can download Premium ACTUAL EXAM QUESTIONS files as many times as you want, There is no limit.

    Killexams.com has provided VCE practice questions Software to Practice your test by Taking Test Frequently. It asks the Real test Questions and Marks Your Progress. You can take test as many times as you want. There is no limit. It will make your test prep very fast and effective. When you start getting 100% Marks with complete Pool of Questions, you will be ready to take real Test. Go register for Test in Exam Center and Enjoy your Success.

    H35-462 braindumps | 500-560 dumps questions | 201-450 test questions | IIA-CIA-Part3 mock test | Servicenow-CIS-ITSM test prep | 700-651 english test questions | LSAT test results | NSE7_OTS-7.2 boot camp | ASVAB-Mathematics-Knowledge Cheatsheet | PDDM brain dumps | WCNA Latest courses | H12-311 cheat sheets | ACT-English practice test | SAFe-LPM model question | NS0-520 study guide | API-570 real questions | CPP practice test | 156-587 free prep | HPE6-A82 test tips | ACA-Operator study guide |

    STAAR - State of Texas Assessments ofAcademic Readiness Latest Questions
    STAAR - State of Texas Assessments ofAcademic Readiness Cheatsheet
    STAAR - State of Texas Assessments ofAcademic Readiness study tips
    STAAR - State of Texas Assessments ofAcademic Readiness exam
    STAAR - State of Texas Assessments ofAcademic Readiness Question Bank
    STAAR - State of Texas Assessments ofAcademic Readiness Real test Questions
    STAAR - State of Texas Assessments ofAcademic Readiness test format
    STAAR - State of Texas Assessments ofAcademic Readiness test prep
    STAAR - State of Texas Assessments ofAcademic Readiness guide
    STAAR - State of Texas Assessments ofAcademic Readiness outline
    STAAR - State of Texas Assessments ofAcademic Readiness Practice Questions
    STAAR - State of Texas Assessments ofAcademic Readiness testing
    STAAR - State of Texas Assessments ofAcademic Readiness Latest Questions
    STAAR - State of Texas Assessments ofAcademic Readiness Dumps
    STAAR - State of Texas Assessments ofAcademic Readiness techniques
    STAAR - State of Texas Assessments ofAcademic Readiness test success
    STAAR - State of Texas Assessments ofAcademic Readiness test prep
    STAAR - State of Texas Assessments ofAcademic Readiness education
    STAAR - State of Texas Assessments ofAcademic Readiness testing
    STAAR - State of Texas Assessments ofAcademic Readiness real questions
    STAAR - State of Texas Assessments ofAcademic Readiness braindumps
    STAAR - State of Texas Assessments ofAcademic Readiness Practice Questions
    STAAR - State of Texas Assessments ofAcademic Readiness Real test Questions
    STAAR - State of Texas Assessments ofAcademic Readiness test format
    STAAR - State of Texas Assessments ofAcademic Readiness test prep
    STAAR - State of Texas Assessments ofAcademic Readiness Free test PDF
    STAAR - State of Texas Assessments ofAcademic Readiness syllabus
    STAAR - State of Texas Assessments ofAcademic Readiness Real test Questions
    STAAR - State of Texas Assessments ofAcademic Readiness braindumps
    STAAR - State of Texas Assessments ofAcademic Readiness Free PDF
    STAAR - State of Texas Assessments ofAcademic Readiness Cheatsheet
    STAAR - State of Texas Assessments ofAcademic Readiness Free PDF
    STAAR - State of Texas Assessments ofAcademic Readiness Latest Questions
    STAAR - State of Texas Assessments ofAcademic Readiness PDF Download
    STAAR - State of Texas Assessments ofAcademic Readiness test Cram
    STAAR - State of Texas Assessments ofAcademic Readiness learning
    STAAR - State of Texas Assessments ofAcademic Readiness Question Bank
    STAAR - State of Texas Assessments ofAcademic Readiness test syllabus
    STAAR - State of Texas Assessments ofAcademic Readiness information search
    STAAR - State of Texas Assessments ofAcademic Readiness test prep
    STAAR - State of Texas Assessments ofAcademic Readiness cheat sheet
    STAAR - State of Texas Assessments ofAcademic Readiness information hunger
    STAAR - State of Texas Assessments ofAcademic Readiness test prep
    STAAR - State of Texas Assessments ofAcademic Readiness test prep

    Other Certification-Board ACTUAL EXAM QUESTIONS

    ABFM PDF Questions | NAB-NHA PDF Download | NCC test example | NCE cram | BCBA assessment test sample | ISEE practice test | BCB-Analyst PDF Download | SBAC free practice tests | NRP braindumps | TCRN free test papers | CSLE Free PDF | STAAR braindumps | NLN-PAX past exams | DMV Test Prep | ABCTE test Questions | MTEL Practice test | CDL certification sample | RACP online exam | ICTS test Questions | ABPN-VNE sample test questions |

    Best ACTUAL EXAM QUESTIONS You Ever Experienced

    1T6-215 test Questions | SCP-500 braindumps | TCP-BW6 practice exam | CIMAPRO19-E01-1-ENG Free PDF | SAP-C01 PDF Questions | IAAP-CPACC real questions | PSAT-RW free pdf | COG-310 download | AZ-900 mock exam | S90.04A test preparation | Salesforce-Security-Privacy-Accredited-Professional test prep | DEA-41T1 test results | ASTQB-CMT real Questions | 500-701 Practice Test | GRITC Real test Questions | ECBA brain dumps | 050-708 ACTUAL EXAM QUESTIONS | CAPM test Cram | NSE5_FMG-7.0 test questions | ACCP online exam |

    References :


    Similar Websites :
    Pass4sure Certification ACTUAL EXAM QUESTIONS
    Pass4Sure test Questions and Dumps

    Direct Download

    STAAR Reviews by Customers

    Customer Reviews help to evaluate the exam performance in real test. Here all the reviews, reputation, success stories and ripoff reports provided.

    STAAR Reviews

    100% Valid and Up to Date STAAR Exam Questions

    We hereby announce with the collaboration of world's leader in Certification Exam Dumps and Real Exam Questions with Practice Tests that, we offer Real Exam Questions of thousands of Certification Exams Free PDF with up to date VCE exam simulator Software.

    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