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 : WPT-R
Exam Name : Wonderlic Personnel Test
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WPT-R test Format | WPT-R Course Contents | WPT-R Course Outline | WPT-R test Syllabus | WPT-R test Objectives

The full version of the Wonderlic Personnel test is a timed 12-minute test made up of 50 questions.

Youll take this test on-site and under supervision. In some cases youll have already taken the WPT-Q to qualify yourself for the interview.

Your results on the Wonderlic Personnel Test (WPT-R) will be compared to other candidates results during the interview process and can be the deciding factor in the hiring decision.

As with the quicktest, the average test-taker answers less than 50% of the questions correctly (the average score is about 21) and only a small fraction of people even finish all 50 questions.

Instead, there are a series of different Wonderlic tests. The most common one is the Wonderlic Personnel Test, which is also called the Wonderlic Cognitive Ability test. When you hear someone talk generally about “The Wonderlic Test” (and that probably happens most during NFL draft season), this is the test theyre talking about.



Algebraic Word Problems



Ratios & Rates


Spatial Reasoning

Deductive Reasoning

3D Shapes

Pattern Recognition

Verbal Reasoning


Finding Exceptions

Sentence ordering



General Knowledge

Finding errors/duplicates

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So, how do you score?

See how you score on some examples from a Wonderlic IQ test.

Set your clock for five minutes, don't peek at the answers, and ... oh, yeah, run the 40 and provide us some bench-presses first, would ya?

The Wonderlic Personnel Test ™WPT ™ sample Questions

1. Look at the row of numbers below. What number should come next?

2. Assume the first two statements are true. Is the final one:

1. true, 2. false, 3. not certain? The boy plays baseball. All baseball players wear hats. The boy wears a hat.

3. Paper sells for 21 cents per pad. What will four pads cost?

4. How many of the five pairs of items listed below are exact duplicates?

Nieman, K.M. Neiman, K.M. Thomas, G.K. Thomas, C.K. Hoff, J.P. Hoff, J.P. Pino, L.R. Pina, L.R. Warner, T.S. Wanner, T.S.

5. RESENT RESERVE • Do these words1. have similar meanings, 2. have contradictory meanings, 3. mean neither the same nor opposite?

6. One of the numbered figures in the following drawing is most different from the others. What is the number in that figure? 7. A train travels 20 feet in 1/5 second. At this same speed, how many feet will it travel in three seconds?

8. When rope is selling at $.10 a foot, how many feet can you buy for sixty cents?

9. The ninth month of the year is

1. October, 2. January, 3. June, 4. September, 5 May.

10. Which number in the following group of numbers represents the smallest amount?

11. In printing an article of 48,000 words, a printer decides to use two sizes of type. Using the larger type, a printed page contains 1,800 words. Using smaller type, a page contains 2,400 words. The article is allotted 21 full pages in a magazine. How many pages must be in smaller type?

12. The hours of daylight and darkness in SEPTEMBER are nearest equal to the hours of daylight and darkness in:

1. June, 2. March, 3. May, 4. November.

13. Three individuals form a partnership and agree to divide the profits equally. X invests $9,000, Y invests $7,000, Z invests $4,000. If the profits are $4,800, how much less does X receive than if the profits were divided in proportion to the amount invested?

14. Assume the first two statements are true. Is the final one:

1. true, 2. false, 3. not certain? Tom greeted Beth. Beth greeted Dawn. Tom did not greet Dawn.

15. A boy is 17 years old and his sister is twice as old. When the boy is 23 years old, what will be the age of his sister?

These are sample test questions and are intended for demonstration purposes only. The Wonderlic Personnel Test is published by Wonderlic, Inc.

Answers1. 1/82. true3. 84 cents4. 15. 36. 47. 300 feet8. 6 feet9. September10. .3311. 1712. March13. $56014. not certain15. 40 years old

"Closer Look" will be a regular Page 2 feature, exploring a hot sports syllabu in greater detail.

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Math Placement test Proctoring

Proctoring Options

The University of Wyoming uses ALEKS PPL for their Math Placement test and requires these exams to be proctored. A student may come to one of the on-campus proctoring sessions at no cost or they may use the online proctoring system, Honorlock, that is integrated into ALEKS for a cost of $10 plus tax per test attempt. On-campus proctoring is only available at certain times and locations, while Honorlock proctoring is available 24/7. Please see detailed information about each option below. 

Honorlock Proctoring

Cost - $10 plus tax for each test attempt, via debit/credit card.  Payment will be requested when you log in to take the exam.

Honorlock is the remote proctoring system for ALEKS PPL.  You can take the test anywhere you have an appropriate testing space, hardware, and good internet connection, and anytime 24/7 with no scheduling required. 

Using Honorlock proctoring requires you to use a Google Chrome browser, download the Honorlock extension.

To be counted as a proctored session you MUST follow all applicable Honorlock guidelines.  Honorlock will not tell you that you are violating a guideline while you are taking the exam.  If one of the guidelines is found violated in the review of your test your score will not be loaded [and you may need to retake the test in person].

Step-By-Step for using Honorlock
  • Using Google Chrome, install the Honorlock Chrome Extension (honorlock.com/aleks?v=uwyo).

  • With the extension installed, navigate to your ALEKS placement test and follow the proctoring instructions that appear on-screen. If you are not sure how to navigate to the test see the Math Placement Access and Instructions page.

  • Troubleshooting with Honorlock

    FAQ: If Honorlock has launched and told you that you are ok to take the test and you see a submit password screen, just hit submit even though the field is empty. Honorlock is supposed to automatically submit the password for you but there is a glitch for some students where they must manually hit “submit”.

    If you are having a different issue, you may utilize the utilize the 24/7 Honorlock Support or visit the Math Placement test Troubleshooting page for help.

    On-campus Proctoring

    Cost - Free!

    No registration necessary, just show up on at the test location on the day and time of a session.

    Fall and Spring Semester they will have established proctoring dates. They will usually be in 3 hour time blocks, although students will still only have 2 hours to finish the exam.

  • The time block will not be extended if a student shows up when there is less than 2 hours left.

  • The proctor may cancel the session if no one arrives within the first hour and fifteen minutes. 

  • You must present valid ID.

  • Pencils and scratch paper will be provided.

  • Calculators are not allowed.

  • Please note-you will still have to purchase the ALEKS PPL test pack for $15 plus tax. Please see the Math Placement Access and Instructions page for more details.   

  • Upcoming on-campus proctoring dates

    If you plan to arrive after the first hour has passed, please email math-registration@uwyo.edu, so they can alert the proctor that there will be a late arrival. The time block will not be extended, so you will be forfeiting your time to take the test if you come more than an hour after the session start time.

     Table of dates, times, and locations for the on-campus proctored MPE




    Saturday, Aug. 19

    9:30am - 1:30pm

    College of Business Rm 108

    Sunday, Aug. 20

    2pm - 4:30pm

    College of Business Rm 108

    Wednesday, Aug. 23

    2:30pm - 5pm

    College of Business Rm 108

    Monday, Aug 28

    3:10pm - 6pm

    Classroom Building Rm 225

    Wednesday, Aug 30

    3:10pm - 6pm

    Engineering Building Rm 2106

    Thursday, Aug 31*

    3:10pm - 6pm

    Agriculture Building Rm 229

    *August 31 is the last date to Add semester courses.

    Took the MPE elsewhere?

    If you took the ALEKS PPL math placement test elsewhere within the last year with a proctor you may be able to transfer your score. See the Math Placement page for how to send a score in ALEKS or email the "Placement Assessments Results" PDF to math-registration@uwyo.edu.


    Visit the Math Placement test Troubleshooting page, or contact math-registration@uwyo.edu.


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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