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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How to run Android apps on Windows 11: A detailed guide

Android apps on Windows 11


Your Windows 11 computer currently doesn’t include one of the most-anticipated features of the operating system — native Android support. This allows you to run Android apps directly on your PC. Luckily, you can enable it pretty easily.

The ability to run Android apps on Windows 11 is now available, but only in select countries (full list below). Don’t worry, though, you can still install Android apps on Windows 11 even if you’re not in one of these regions. Here’s how.


To install Android apps on Windows 11, you simply need to enable a few settings and install the Amazon Appstore from the Microsoft Store. If you're in an unsupported region, you can also sideload the Windows Subsystem for Android and manually install apps using APK files. For step-by-step instructions, simply click on one of the below sections.


How to install Android apps on Windows 11 officially

Android apps on Windows 11 are officially available in the following countries: Andorra, Austria, Belgium, France, Germany, Gibraltar, Guernsey, Ireland, Isle of Man, Italy, Japan, Jersey, Liechtenstein, Luxembourg, Monaco, San Marino, Spain, Switzerland, the United Kingdom, the United States, and the Vatican City. The other requirement is that you should have a compatible Windows 11 system, running Build 22000.526 or higher.

If you live in an unsupported country, you can trick Windows 11 by changing your region in Settings > Language & Region > Country or Region > United States.

Install the Windows Subsystem for Android

Now that you have the latest Windows 11 build, you can move on to install the Windows Subsystem for Android. This is basically an entire Android build that runs as a virtualization instance inside Windows, letting you run Android apps on Windows. There are a few steps to getting the subsystem on your Windows 11.

Open the Microsoft Store, and click the Library tab at the bottom left corner.

Windows 11 Microsoft Store

Palash Volvoikar / Android Authority

Click the Get updates button.

Windows 11 Microsoft Store updates

Palash Volvoikar / Android Authority

Your Microsoft Store should finish updating. Click the profile button on the title bar to the right to check the version. The version number should be in the About this app section. Make sure it is 22110.1402.6.0 or higher.

Windows 11 Microsoft Store version

Palash Volvoikar / Android Authority

Once your Microsoft Store is up to date, you can move on to enable virtualization. Newer systems will need you to flip the switch in the BIOS/UEFI settings, usually called Intel VT-X or AMD-V, depending upon the brand of CPU in your system. Then you can enable it inside Windows 11.

  • Open the Control Panel, navigate to the Programs section
  • Click Turn Windows features on or off.
  • Enable Virtual Machine Platform and Windows Hypervisor Platform by ensuring the boxes next to them are checked
  • Click OK.
  • Windows 11 Windows features dialogue

    Palash Volvoikar / Android Authority

    Restart your system. Search for and open the Amazon Appstore in the Microsoft Store, and click Get. Go through the setup process. This will install the Windows Subsystem for Android and the Amazon Store, and get your system ready for Android apps.

    Amazon app store Windows 11


    Installing Android apps through the Amazon Appstore

    The process to install Android apps officially is rather simple. You will need an Amazon account.

  • Open the Amazon Appstore via the Start menu/search.
  • Click the Already an Amazon customer? Sign in button, enter your credentials and click Sign-In.
  • Search and select the app you want to install, and click the Get/Download/Install button.
  • Amazon app store download


    How to run Android apps on Windows 11 unofficially

    The requirements are the same here. You will need Windows 11, build 22000.282, or later. You also need to enable hardware virtualization and meet minimum system requirements. The difference is that they will have to sideload the subsystem instead of installing it officially. Ensure you update to the latest build of Windows 11 before you begin, and enable Virtual Machine Platform and Windows Hypervisor Platform.

    Sideloading the Windows Subsystem for Android

    Some folks may not be able to get their hands on the Windows Subsystem for Android and Amazon Appstore despite following the steps. In that case, installing the Subsystem manually is an option. It’s a little tricky, but it can work.

    Search for Windows PowerShell, right-click the app search result, and click Run as administrator.

    Windows 11 powershell run as administrator

    Palash Volvoikar / Android Authority

    In PowerShell, copy-paste this code:


    Copy Text winget install 9p3395vx91nr -s msstore Windows 11 powershell Windows Android Subsystem 1

    Palash Volvoikar / Android Authority

    You’ll have to agree to the agreement terms of the store in PowerShell. When prompted, type in the letter Y and press the Enter key.

    Windows 11 powershell Windows Android Subsystem agreement

    Palash Volvoikar / Android Authority

    PowerShell will then prompt you with some more license terms, specific to the Subsystem this time. Press Y and Enter again.

    Windows 11 powershell Windows Android Subsystem second agreement

    Palash Volvoikar / Android Authority

    The Subsystem package will then download and install, and you’ll get a Microsoft Store notification saying it was successful.

    Windows 11 powershell Windows Android Subsystem installation success

    Palash Volvoikar / Android Authority

    Installing Android apps on Windows 11

    If you managed to get the Amazon Appstore to install directly, you can open it by searching for it from the Start menu. It will ask you to log in once with your Amazon account. Once done, you can search for the app you want and click the Get button to download it. Any Android app installed on Windows 11 will show up as a normal program you can directly run from the Start menu.

    If you don’t have access to the store, which you won’t if you sideloaded the Subsystem, you will have to download the APKs and install them via PowerShell manually. For this, you will need to have a system-wide Android Debug Bridge (ADB) installed on your system. This is needed because the Subsystem acts like an Android phone wirelessly connected to the Windows 11 PC, and you can use ADB to leverage that connection to push APKs of your choice. This method is useful for installing apps that are not available on the Amazon Appstore.

  • Download the 15-second ADB Installer here. Extract and run the installer.
  • Give the administrator permission when asked.
  • It will run in a terminal window, asking you Y/N as yes or no for installing specific components.
  • We need all three components, so press Y and the Enter key for all three — install ADB and Fastboot, install ADB system-wide, and install Drivers.
  • The driver installer will pop up as a separate window, which you have to follow to finish the installation.
  • Windows 11 ADB installer

    Palash Volvoikar / Android Authority

  • Download the APK file of the app of your choice from a trusted source like APK Mirror.
  • For this tutorial, we’re using the Firefox browser for Android.
  • Run the Windows Subsystem for Android. You can do this by simply searching for it and clicking on it from the Start Menu.
  • In the settings, make sure Developer Mode is turned on. Click the boxed arrow in the Files tab to get the Subsystem running.
  • Windows 11 Windows Subsystem for Android launch screen

    Palash Volvoikar / Android Authority

    Run PowerShell as an administrator again.

    To connect to the Subsystem via ADB, copy the IP address you can see in the Subsystem settings. Type adb connect in the PowerShell window, followed by the copied IP address. Ensure there’s a space between the word connect and the IP address. Press Enter.

    Use the command adb devices to verify that the connection was successful.

    Windows 11 Windows Subsystem for Android ADB connection

    Palash Volvoikar / Android Authority

    Now, find the APK file in your Downloads folder. Right-click it, and click Copy as path.

    Go back to the PowerShell window, type adb install, and paste the path you copied. Make sure to remove the quotation marks at the beginning and end of the path. You can use arrow keys to navigate through the command text. Your final command should look like this:


    Copy Text adb install C:\Users\yourname\Downloads\firefox.apk Windows 11 Windows Subsystem for Android install command

    Palash Volvoikar / Android Authority

    Press Enter to begin the installation. You’ll see the PowerShell say Performing Streamed Install, followed by a Success message.

    Windows 11 Windows Subsystem for Android install success

    Palash Volvoikar / Android Authority

    The app is now installed and should now show up in the Start menu.

    What Android apps can you get on Windows 11?

    For now, the Amazon Appstore for Windows has over 1,000 apps available. These include games like Lords Mobile, June’s Journey, Coin Master, practicing apps like Kindle, and kids’ apps like Khan Academy Kids and Lego Duplo World. Big apps like Gmail and YouTube are missing, due to the absence of Google Mobile Services.

    With the sideloading method, it’s more or less the same issue. You will not be able to install apps that require Google Services or have split installation files with an APKM extension. However, you can install more than 50 apps this way, provided you can find the APK file.

    Benefits of running Android apps on Windows 11

    There’s one big upside to native Android emulation on Windows — there’s no need to install third-party Android emulators. There are many uses for this, including using chat apps like WhatsApp on your PC or trying to play mobile games on your PC. The process of installing Android apps on Windows has always been a long one, but when the final release of this feature hits, it will become quick and easy, likely for good.

    It is also likely to take up fewer system resources than third-party emulators. So far, in the current stage, this feature has a few quirks, but they expect it to be smooth sailing by the time it’s ready for public release.


    Can Windows 11 run Android apps?

    Yes, Windows 11 can officially run Android apps. The feature is only available in a few countries right now, but you can unofficially get it running if you want to.

    Can you sideload Android apps on Windows 11?

    Yes, you can. There are ways to unofficially install Android apps using APK files, and also install Google Play Store.

    Can Windows 11 run Android apps from Google Play?

    No, Windows 11 doesn’t officially support the Google Play Store. However, you can sideload the latter through unofficial means.


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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