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 : TCP-BW5
Exam Name : TIBCO ActiveMatrix BusinessWorks 5
Vendor Name : Tibco
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FMGE 2023: exam Format, Required Documentation, And The Scoring Guidelines

The National Board of Exams (NBE) released the FMGE 2023 admit card on the official website, and the exam is scheduled to be held on July 30 in computer-based mode.

The Foreign Medical Graduate exam (FMGE), also known as the Screening Test for Foreign Medical Graduates, has been introduced through the Screening Test Regulations, 2002.

As per the regulations, "An Indian citizen or overseas citizen of India possessing a primary medical qualification awarded by any medical institution outside India who is desirous of getting provisional or permanent registration with the Medical Council of India or any State Medical Council on or after March 15, 2002 shall have to qualify a screening test conducted by the prescribed authority for that purpose as per the provisions of Section 13 of the Act."

The examination pattern:

The FMGE test consists of a single paper with 300 multiple-choice questions on it. There will only be four English-language answer choices for each question.Out of the four response alternatives offered for each question, candidates must choose the right answer.

The paper shall be delivered in two parts to be taken in a single day, with each part comprising 150 questions to be attempted in 150 minutes.

The examination shall be a multiple-choice question (MCQ) test delivered using a computer network as per the prescribed scheme.

Negative Marking:

There shall be no negative marking.

Passing Marks:

A candidate shall be declared to have passed only if he or she obtains a minimum of 150 marks out of 300 in the examination. Results (pass or fail) for eligible candidates will be displayed on the NBEMS website. There is no provision for re-totaling or reevaluation.

There are no restrictions on the number of attempts that can be made by a candidate. However, the FMGE being a qualifying examination, once a candidate qualifies for the FMGE, he or she shall not be eligible to take the FMGE again. Any examination taken by a candidate in violation of this clause shall be treated as void and cancelled.


CAT exam books 2023: Begin your preparations for all subjects (August, 2023)

The Common Admission Test (CAT) is a highly competitive exam taken by students pursuing management degrees in reputed B-schools in India. The exam tests the aptitude of candidates in various subjects including Quantitative Ability (QA), Data Interpretation and Logical Reasoning (DILR), and Verbal Ability and memorizing Comprehension (VARC). The 2023 CAT exam books play a crucial role in preparing you for the exam. It is important to choose the right books that cover the syllabus comprehensively and provide a variety of practice exams and mock tests. The 2023 CAT exam books are designed to provide students with a deep understanding of the concepts, tips, and tricks to solve the questions, and strategies for efficient time management during the exam. In addition to the traditional textbooks, various online resources such as video lectures and interactive quizzes are also available to supplement students' preparation.Starting preparation early gives students an advantage in covering the extensive curriculum and identifying their strengths and weaknesses. This helps them develop a learning plan and focus on improving their weaker areas. In conclusion, choosing the right 2023 CAT exam books and starting preparation early can greatly Excellerate a student's chances of passing the exam and gaining admission to their desired B-School.Here’s a list of some of the best CAT exam books for 2023:

How to Prepare for the CAT (Set Of 4 Books) By Arun Sharma And Meenakshi Upadhyay

The How to Prepare for the CAT (Common Admission Test) book set by Arun Sharma and Meenakshi Upadhyay is a comprehensive guide to help aspiring MBA candidates prepare for the challenging CAT exam. The set contains four books covering various aspects of the CAT exam, including quantitative skills, data interpretation and logical reasoning, language skills and memorizing comprehension, and finally the entire CAT exam syllabus. The books are written in simple language and offer practical tips and techniques to help students Excellerate their performance. With this set of books, candidates can gain a deeper understanding of the CAT exam and increase their chances of success.

Oswaal CAT 25 Years' Chapter-wise and Topic-wise Solved Papers Question Bank

Oswaal CAT 25 Years' Chapter-wise and Topic-wise Solved Papers question bank 1990-2008, 2017-2022 VARC, DILR & QA is an essential study material for MBA aspirants preparing for the CAT exam. This comprehensive question bank contains solved papers from the last 25 years of the CAT exam, chapter-wise and topic-wise, covering all three sections of the CAT exam: VARC, DILR, and QA. The book includes detailed solutions and explanations for each question to help students understand the concepts and Excellerate their problem-solving skills. This question bank is an excellent resource for candidates who want to strengthen their CAT preparation and increase their chances of success in the upcoming 2023 exam.

CAT 2023: Data Interpretation & Logical Reasoning by Gautam Puri

The book "CAT 2023: Data Interpretation & Logical Reasoning" by Gautam Puri is an excellent resource for MBA aspirants preparing for the CAT exam. This book comprehensively covers the data interpretation and logical reasoning sections of the CAT exam, with an emphasis on improving problem-solving skills. The book contains various practice problems with solutions for each question to help students understand the concepts and Excellerate their problem-solving skills. The book also includes tips and techniques to help students solve complex problems quickly and effectively. With this book, candidates can develop a solid foundation in data interpretation and logical thinking and increase their chances of success in the CAT exam.

CAT Books by Arun Sharma 2023 ( Set of 4 Books )

Arun Sharma's CAT Books Three books in a package called 2023 are designed to help MBA aspirants prepare for the CAT exam. The package contains works on logical reasoning, data interpretation, verbal ability and quantitative aptitude. These books contain all the information needed to pass the CAT exam, as well as useful advice and techniques to Excellerate problem-solving skills. The package also includes CAT practice exams on Pull Marks, which give students hands-on experience with the test. With the help of these books, candidates can build a solid foundation and learn the ideas needed to pass the 2023 CAT exam.

9 Previous Year CAT QA, DILR & VARC Topic-wise Solved Papers set of 3 Books

For MBA students preparing for the CAT exam, this CAT 2023 Complete Test Preparation Kit is a complete package. All three CAT test sections - Quantitative Aptitude, Data Interpretation & Logical Reasoning, and Verbal Ability & memorizing Comprehension - are covered in the three books in this package. Each course is covered in detail in the books, and they also include practice problems and simulated exams to help students Excellerate their conceptual understanding and problem-solving skills. The package also provides students with access to previous year solved papers, giving them a comprehensive educational experience. With the help of this package, candidates can prepare efficiently and increase their success rate in the CAT exam.

28 Years CAT QA, DILR & VARC Topic-wise Solved Papers by Shipra Agarwal Deepak Agarwal

For MBA candidates preparing for the CAT exam, the book package "28 Years CAT QA, DILR & VARC Topic-wise Solved Papers" by Shipra Agarwal and Deepak Agarwal is an excellent resource. The package consists of three books covering the CAT exam papers of the last 28 years for Quantitative Aptitude, Data Interpretation & Logical Reasoning, and Verbal Ability & memorizing Comprehension, course by course and section by section. With detailed solutions and explanations of the solved problems, students can better understand the ideas and Excellerate their problem-solving skills. With the help of this book, candidates can become more familiar with the CAT exam format, boost their confidence, and pass the CAT exam with flying colors.

How to Prepare for VERBAL ABILITY & memorizing COMPREHENSION for CAT By McGraw Hill

The comprehensive book, How to Prepare for Verbal Ability and memorizing Comprehension for CAT, by Arun Sharma and Meenakshi Upadhyay, is designed to help MBA students prepare for the Verbal Ability and memorizing Comprehension components of the CAT test. The book provides a thorough explanation of the ideas along with useful advice and techniques to Excellerate memorizing and comprehension skills. To Excellerate comprehension of the material and enhance performance, the book also includes practice problems and mock exams. With the help of this book, candidates can Excellerate their vocabulary, gain strong speaking skills, and perform well in the Verbal Ability and memorizing Comprehension sections of the CAT exam.

CAT 2023: MBA Entrance Exam- 12 Solved Topic-wise Tests by EduGorilla Prep Experts

For MBA students preparing for the CAT test, the book "CAT 2023: MBA Entrance exam - 12 Solved Topic-wise Tests" by EduGorilla Prep Experts is an excellent resource. The book contains 12 topic-specific tests with answers that cover verbal skills, memorizing comprehension, quantitative skills, and data interpretation. These tests are designed to help students assess their level of preparation, identify their strengths and weaknesses, and develop their problem-solving skills. The book also provides free access to online exams that allow students to practice and evaluate their performance in an environment similar to a CAT exam. Candidates can Excellerate their chances of passing the CAT exam by preparing well for it with the help of this book.FAQ's: Books for CAT exam 2023
  • How can I choose books for CAT preparation?You need to choose the books based on the recommendations of professionals if you want to choose the best books for CAT preparation. Also, you should give preference to the latest edition of the book as it contains questions and study guides based on the latest changes in the syllabus.
  • Can I prepare for the CAT exam using only books, or should I use other resources as well?While books are excellent learning tools, you should round out your CAT exam preparation with other materials. Online forums, question banks from previous years, and practice exams can be used to develop a thorough and well-rounded exam preparation strategy. These resources provide opportunities for exam simulation, on-site practice, peer learning, and clarification of doubts.
  • Are there books for the CAT exam with solved exam questions from previous years?Yes, there are several books that contain CAT exam questions from previous years with detailed solutions.
  • DISCLAIMER: The Times of India's journalists were not involved in the production of this article. The product prices mentioned in the article are subject to change with offers given by Amazon.

    MP Police Constable Syllabus 2023: PDF Download, exam Pattern, Important Topics

    MP Police Constable Syllabus 2023: The Madhya Pradesh Professional exam Board conducts the MP Police Constable recruitment in two stages written exam and a physical endurance test for the constable post. download and check MP Police Constable Syllabus for the written exam and more.

    MP Police Constable Syllabus 2023: The Madhya Pradesh Professional exam Board (MPPEB) conducts MP (Madhya Pradesh) Police Constable recruitment in two stages written exam and a physical endurance test for the constable post. Candidates preparing for this upcoming exam should check the latest MP Police Constable syllabus and exam pattern to cover all the aspects of the exam.

    It will also help them understand the topics, exam format, question paper structure, etc. and maximise their chances of scoring high marks. Going by the previous exam analysis, the questions asked in MP Police Constable written exam have been reported to be moderate to difficult. Hence, one can expect questions to be moderately difficult in the upcoming exam.

    In this article, they have shared the MP Police Constable syllabus pdf for the written exam along with the exam pattern, preparation tips, and best books in detail.

    Career Counseling MP Police Constable Syllabus 2023

    We have shared below the exam overview for all aspirants appearing in the upcoming MP Police Constable recruitment process.

    Check MP Police Constable Notification

    Conducting Body

    Madhya Pradesh Professional exam Board (MPPEB)

    Post Name

    Constable

    Type of Question

    MCQ

    MP Police Constable syllabus topics

  • General Knowledge and Reasoning
  • Intellectual Ability and Mental Ability
  • Science and Simple Arithmetic
  • Negative Marking

    No

    Selection Process

    Written exam and Physical Endurance Test

    Exam Duration

    2 hour

    Number of Questions

    100

    Maximum Marks

    100

    MP Police Constable Syllabus 2023 Section-Wise

    Candidates preparing for the MP Police Constable 2023 exam can check the MP Police Constable syllabus for the written test below. The MP Police Constable Syllabus is divided into various sections such as General knowledge, reasoning, general science, simple arithmetic maths etc. They have also compiled all the subject-wise syllabus for the written exam below:

    Subject

    MP Police Constable Syllabus 2023

    General Knowledge and Reasoning

    1. General Knowledge 

  • New inventions
  • Important Dates
  • Artists
  • Music & Literature
  • National Dance
  • Geography of India
  • Scientific observations
  • National News (current)
  • Famous Places
  • Sculptures
  • About India and its neighbouring countries
  • Famous Places in India
  • Tourism spots of Historical Importance
  • Countries and capitals
  • Economic issues in India
  • Books And Author
  • Science and innovations
  • World organizations
  • International issues
  • Political Science
  • Tribes
  • Handicrafts
  • Musical Instruments etc
  • Indian Culture
  • 2. Reasoning 

  • Arithmetical Reasoning
  • Classification
  • Cubes and Dice
  • Blood Relations
  • Analogy
  • Distance and Direction
  • Series Completion
  • Venn Diagrams
  • Alpha-Numeric Sequence Puzzle
  • Puzzle Test
  • Word Sequence
  • Missing Number and Alphabets
  • Data Sufficiency
  • Coding-Decoding
  • Intellectual Ability and Mental Ability

  • Series
  • Mirror Images
  • Analytical Reasoning
  • Spotting embedded figures
  • Figure Matrix
  • Dot Situation
  • Water Images
  • Construction of Squares and Triangles
  • Paper Cutting and Folding
  • Completion Incomplete Pattern
  • Forming figures and analysis
  • Identical figure groupings
  • General Science and Simple Arithmetic Maths

    1. Physics

  • Work, Energy, and Power
  • Force and Laws of Motions
  • Electromagnetic Waves 
  • Heat
  • Optics
  • Gravitation
  • Physical World & Measurement
  • Atoms & Nuclei
  • Currents
  • Heat & Thermodynamics
  • Electrostatics
  • 2. Chemistry

  • Structure of Atom
  • Periodic Classification of Elements 
  • Acids, Bases and Salts 
  • Metal and Non-Metals
  • States of Matter
  • 3. Biology

  • Plants 
  • Animals 
  • Skeleton System 
  • Nervous System
  • Digestive System 
  • Vitamins and Minerals
  • 4. Simple Arithmetic

  • Problems on Numbers
  • Simplification and Approximation
  • Simple Equations
  • Quadratic Equations
  • LCM and HCF
  • Surds and Indices
  • Percentage
  • Speed Time and Distance
  • Time and Work
  • Ratio and Proportion
  • Boats and Stream
  • Interest
  • Averages
  • Partnership
  • Mensuration
  • Problem on Ages
  • MP Police Constable exam Pattern 2023

    Candidates must be familiar with the MP Police constable exam pattern to understand the exam format, question nature, number of sections, and marking scheme followed by the commission. The written exam comprises 100 objective-type questions for 100 marks. There is no negative marking for the incorrect answer.

    MP Police Constable exam Pattern 2023

    Subjects

    Total Questions

    Total Marks

    General Knowledge and Reasoning

    40

    40

    Intellectual Ability and Mental Ability

    30

    30

    General Science and Simple Arithmetic Maths

    30

    30

    Total

    100

    100

    MP Police Constable Physical Endurance Test

    All eligible aspirants must attempt the Physical Endurance Test to ace the MP Police Constable Recruitment 2023. The MP Police Constable PET 2023 is divided into three activities.

  • Height
  • Chest Expansion (Only for Male candidates)
  • Eye Sight
  • MP Police Constable Height Measurement

    Only For Special Armed Forces (as per Rules 21 & 22 of the Special Armed Forces Rules 1973)

    S.No.

    Category

    Gender

    Height

    Chest Expansion

    With Expansion

    Without Expansion

    1

    UR/OBC

    Male

    168 cm

    79 cm

    84 cm

    2

    Gorkha/Garhwali/Kumaon

    Male

    157 cm

    79 cm

    84 cm

    3

    Maratha/Scheduled Caste/Scheduled Tribe

    Male

    165 cm

    79 cm

    84 cm

    For the recruitment of candidates belonging to the category 'Except Special Armed Forces

    Category

    Gender

    Height

    Chest Expansion (Only for Male Candidates

    With Expansion

    Without Expansion

    All Except Special Armed Forces

    UR/BC/SC

    Male

    168 cm

    81 cm

    86 cm

    Female

    155 cm

    NA

    NA

    All Except Special Armed Forces

    (ST)

    Male

    160 cm

    76 cm

    81 cm

    Female

    155 cm

    NA

    NA

    How to Prepare for MP Police Constable Syllabus?

    The MP Police Constable exam is one of the most challenging exams in the country. Thousand of candidates apply for the exam every year. However, only a few are declared successful due to their effective preparation plan, hard work, and consistency. Thus, the aspirant should follow the latest MP Police Constable syllabus to align their strategy with the requirements. Have a look at MP Police Constable preparation tips and tricks to ace the written exam shared below:

  • Go through the MP Police Constable syllabus before beginning your exam preparation. This will help them understand the syllabus from which questions are asked and allocate study hours to all the syllabus accordingly.
  • Choose the most authentic books recommended by experts and previous toppers. It is important to have strong conceptual clarity to learn advanced syllabus easily. However, they are advised to read limited books for every chapter to avoid any confusion.
  • Analyse your strength and weakness in each topic. Strengthen your strong areas and focus on improving the weak areas to keep your basics strong.
  • Attempt the previous year's question paper and mock tests to check where your preparation stands. Mock papers are one of the best resources to analyse your performance and Excellerate speed & accuracy.
  • Always revise all the covered syllabus at the end of the day. Always keep yourself updated with current affairs and developments to score High Marks in the GA section.
  • Best Books for MP Police Constable Syllabus

    Candidates should refer to the latest version of the MP Police Constable books to crack the exam. The right books will help them to cover all the aspects of the MP Police Constable syllabus. The subject-wise MP Police Constable books for the written exam are below:

    Subject

    Book Names

    General Studies and Current Affairs​

    Manorama Year Book by M. Mathew

    Maths

    Quantitative Aptitude by S. Chand Publications

    History

    Modern Indian History by Rajiv Ahir

    Medieval India by Satish Chandra

    Ancient History by R.S. Sharma

    Geography

    Comprehensive Geography by Kalyani Publications

    Civics

    Democratic Politics II by NCERT

    Science

    General Science (Latest Edition) by Lucent Publications

    FAQ What are the best MP Police Constable Books recommended by Experts?

    A list of MP Police Constable Book is given in the article as recommended by experts.

    How do I start my MP Police Constable Syllabus preparation?

    To start the MP Police Constable syllabus preparation, candidates must analyse the MP Police Constable syllabus, create a study plan, use the best books to clear the concepts, and attempt unlimited mock tests for better preparation.

    What is the MP Police Constable 2023 exam Pattern?

    As per the MP Police Constable exam pattern, the written exam comprises 100 objective-type questions for 100 marks. Each question carries 1 mark, and no negative marking applies to incorrect answers.

    Is there any negative marking in MP Police Constable Syllabus 2023?

    No. There is no negative marking in MP Police Constable Syllabus 2023.

    What is MP Police Constable Syllabus?

    The MP Police Constable Syllabus is divided into various sections such as General knowledge, reasoning, general science, simple arithmetic maths etc.


     


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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

    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.

    Erpressung

    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:

    Cyber-Kosten:

    • 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

    Cyber-Eigenschäden:

    • 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