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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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 2023MP Police Constable Syllabus 2023: PDF Download, exam Pattern, Important TopicsMP 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. 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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 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-WiseCandidates 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 2. Reasoning Intellectual Ability and Mental Ability General Science and Simple Arithmetic Maths 1. Physics 2. Chemistry 3. Biology 4. Simple Arithmetic 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 TestAll 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. 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. 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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