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 do you keep a spacesuit clean? One answer is antimicrobial fabric.

Sealed safely inside the International Space Station, astronauts dress for comfort and convenience. Their typical getups—short-sleeve collared shirts and long cargo pants—are regular Earth clothes, sourced from retailers that include Cabela’s and Lands’ End. But astronauts require exceptional attire when outside the ISS’s climate-controlled confines. NASA’s chunky spacesuits are, essentially, spacecraft condensed to human size. They protect wearers from an environment that swings from 250 degrees Fahrenheit in the sun to minus 250 degrees in the shade.

Inside the suits, spacewalkers often work up a sweat, despite cooling tubes that wick away body heat. Extravehicular activities, or EVAs, may involve hours of strenuous labor. To stay warm and pressurized, astronauts also have to wear layers—including an inner form-fitting garment akin to long underwear—that they re-wear and even share. Complicating matters still: There are no laundry machines on the ISS. Because water is so valuable, washing a suit in orbit is not an option. Which is why NASA, the European Space Agency (ESA), and other organizations have asked textiles experts to investigate the problem of biocontamination in suits and develop fabrics that might solve it.

[Related: Future astronauts and space tourists could rock 3D printed ‘second skin’]

Heavy work in heavy gear leads to filth. After mock EVAs on Earth, technicians who help peel stand-in astronauts out of their suits have learned to turn their heads away on the first unzip to avoid a stinky blast, says Gernot Grömer, director of the Austrian Space Forum, a research group that conducts simulated astronautical missions. “Everybody sees those beautiful, shiny white spacesuits. But nobody knows what it smells like at the ISS.” (It’s not particularly pleasant.)

As these suits are used again and again, worries go beyond foul odors to hygiene and health hazards. The possibility for biocontamination, which includes human debris, bacteria, and other foreign substances, may get worse as spacefarers travel past low-Earth orbit for longer trips to the moon.

“Washing spacesuit interiors on a consistent basis may well not be practical” in lunar habitats, ESA materials and processes engineer Malgorzata Holynska says in a statement. That space agency is investing in unusual ways to keep suits clean, such as antibiotic chemicals churned out by microbes.

Sanitary death metal

During NASA’s shuttle program, which ran from 1981 to 2011, spacesuits were designed to be used on two-week trips. But as astronauts began to live on the ISS for longer periods in the late 2000s, suit lifespans had to be extended up to six years. That meant microbes became a concern in ways they hadn’t before, says Evelyne Orndoff, a textiles engineer at the NASA Johnson Space Center.

In NASA’s first comprehensive attempt to address spacesuit contamination more than a decade ago, Orndoff and her colleagues evaluated several off-the-shelf methods to kill germs on fabric, including Cupron and SilverClear. They cut treated textiles into two-inch squares, placed them in petri dishes, and grew several species of fungi and bacteria on the samples.

Astronauts' typical getups are regular Earth clothes, sourced from retailers that include Cabela’s and Lands’ End.

Some of the fabrics were infused with copper, which has impressive antimicrobial properties. When bacteria touch the element, it destabilizes their cell walls and membranes, making the microbes vulnerable to damage from the metal’s ions. The NASA scientists also examined textiles treated with silver—likewise toxic to germs on contact—and silicone.

After observing the gunk that grew on the fabrics for up to 14 days, they found that only one compound kept bacteria and fungi below targets set by NASA's Constellation program—a now-defunct plan for lunar missions in which a spacesuit would have been reused up to 90 times in six months. The winner was a solution of silver molecules used for disinfecting hospital dressings and other fabrics. But the metal ion was too good at its job. “It kills everything,” Orndoff says. Total sterility can cause even more problems than grime, given than humans need a balanced ecosystem of millions of microorganisms to keep the skin and other organs healthy.

The experiments showed that concentrations of other antimicrobial compounds were generally too low to be effective. Some microbes would initially dip in numbers, but the resistant ones would repopulate the samples. The scientists worried that, at high-enough amounts, antimicrobial particles would irritate anyone wearing the fabric or pollute the space station. “After that they never really revisited antimicrobial treatments,” Orndoff explains, for the “simple reason” that it would present complications for the ISS life-support system that provides clean air and water.

[Related: Onboard the ISS, nothing goes to waste—including sweat and pee]

While Orndoff’s team did not pursue their idea further, NASA’s commercial contractors have. In 2022, the agency hired US companies Axiom Space and Collins Aerospace to develop the next generation of suits for spacewalks. Earlier this year, Axiom unveiled a prototype suit that Artemis III astronauts might use to explore the lunar south pole. In a statement to Popular Science, the company says: “The Axiom Space AxEMU spacesuits will use textiles that have antimicrobial properties to reduce biocontamination.” The suits’ cooling system will also use biocide in its water loops “to prevent microbial buildup.” The company did not share the exact type of the agents, citing their proprietary nature.

Biological agents at work

Future astronauts might get a helping hygienic hand from the microscopic world. Partnering with the Vienna Textile Lab, and with funding from the ESA, Austrian Space Forum researchers have been studying how to turn a bacterial cell’s own defenses against it.

Specifically, Grömer and his collaborators have been investigating biological compounds called secondary metabolites that microbes sweat out as a defense against other microorganisms. The researchers bonded several of these molecules to textiles and, over the past few years, subjected those samples to hundreds of tests, including zaps of radiation from a nuclear accelerator in Austria and baths in synthetic sweat. (The nasty liquid, which reminds Grömer of the acidic blood of the monsters in Alien, ages fabrics quickly.)

A scanning electron microscope view of textiles tested by the Austrian Space Forum.

One metabolite in particular, named violacein, survived every hostile attack with its antimicrobial properties intact. The purple-black substance can be found in the bacteria that live on the skin of red-backed salamanders. It’s so good at killing microbes that some biologists suspect it protects the amphibians from deadly chytrid fungus infections. The Austrian Space Forum plans to field-test violacein in a simulated Mars mission, in which six astronaut roleplayers will spend four weeks in Armenia’s rugged mountains in 2024.

Grömer envisions a future where this pigment’s potent defenses leave the planet, not only on treated spacesuits but also towels and other gear. While dirty linens might just sound like a chore, they can be a breeding ground for microbes, which thrive in low gravity and may mutate faster in space. “When you go to Mars, you're at the edge of what’s technologically possible, so little nuisances can transform into real disaster-prone situations,” Grömer says. “And so if there's a risk they can control, hell, let's do it.”


How do you keep a spacesuit clean? One answer is antimicrobial fabric.

Sealed safely inside the International Space Station, astronauts dress for comfort and convenience. Their typical getups—short-sleeve collared shirts and long cargo pants—are regular Earth clothes, sourced from retailers that include Cabela’s and Lands’ End. But astronauts require exceptional attire when outside the ISS’s climate-controlled confines. NASA’s chunky spacesuits are, essentially, spacecraft condensed to human size. They protect wearers from an environment that swings from 250 degrees Fahrenheit in the sun to minus 250 degrees in the shade.

Inside the suits, spacewalkers often work up a sweat, despite cooling tubes that wick away body heat. Extravehicular activities, or EVAs, may involve hours of strenuous labor. To stay warm and pressurized, astronauts also have to wear layers—including an inner form-fitting garment akin to long underwear—that they re-wear and even share. Complicating matters still: There are no laundry machines on the ISS. Because water is so valuable, washing a suit in orbit is not an option. Which is why NASA, the European Space Agency (ESA), and other organizations have asked textiles experts to investigate the problem of biocontamination in suits and develop fabrics that might solve it.

[Related: Future astronauts and space tourists could rock 3D printed ‘second skin’]

Heavy work in heavy gear leads to filth. After mock EVAs on Earth, technicians who help peel stand-in astronauts out of their suits have learned to turn their heads away on the first unzip to avoid a stinky blast, says Gernot Grömer, director of the Austrian Space Forum, a research group that conducts simulated astronautical missions. “Everybody sees those beautiful, shiny white spacesuits. But nobody knows what it smells like at the ISS.” (It’s not particularly pleasant.)

As these suits are used again and again, worries go beyond foul odors to hygiene and health hazards. The possibility for biocontamination, which includes human debris, bacteria, and other foreign substances, may get worse as spacefarers travel past low-Earth orbit for longer trips to the moon.

“Washing spacesuit interiors on a consistent basis may well not be practical” in lunar habitats, ESA materials and processes engineer Malgorzata Holynska says in a statement. That space agency is investing in unusual ways to keep suits clean, such as antibiotic chemicals churned out by microbes.

Sanitary death metal

During NASA’s shuttle program, which ran from 1981 to 2011, spacesuits were designed to be used on two-week trips. But as astronauts began to live on the ISS for longer periods in the late 2000s, suit lifespans had to be extended up to six years. That meant microbes became a concern in ways they hadn’t before, says Evelyne Orndoff, a textiles engineer at the NASA Johnson Space Center.

In NASA’s first comprehensive attempt to address spacesuit contamination more than a decade ago, Orndoff and her colleagues evaluated several off-the-shelf methods to kill germs on fabric, including Cupron and SilverClear. They cut treated textiles into two-inch squares, placed them in petri dishes, and grew several species of fungi and bacteria on the samples.

Astronauts' typical getups are regular Earth clothes, sourced from retailers that include Cabela’s and Lands’ End.

Some of the fabrics were infused with copper, which has impressive antimicrobial properties. When bacteria touch the element, it destabilizes their cell walls and membranes, making the microbes vulnerable to damage from the metal’s ions. The NASA scientists also examined textiles treated with silver—likewise toxic to germs on contact—and silicone.

After observing the gunk that grew on the fabrics for up to 14 days, they found that only one compound kept bacteria and fungi below targets set by NASA's Constellation program—a now-defunct plan for lunar missions in which a spacesuit would have been reused up to 90 times in six months. The winner was a solution of silver molecules used for disinfecting hospital dressings and other fabrics. But the metal ion was too good at its job. “It kills everything,” Orndoff says. Total sterility can cause even more problems than grime, given than humans need a balanced ecosystem of millions of microorganisms to keep the skin and other organs healthy.

The experiments showed that concentrations of other antimicrobial compounds were generally too low to be effective. Some microbes would initially dip in numbers, but the resistant ones would repopulate the samples. The scientists worried that, at high-enough amounts, antimicrobial particles would irritate anyone wearing the fabric or pollute the space station. “After that they never really revisited antimicrobial treatments,” Orndoff explains, for the “simple reason” that it would present complications for the ISS life-support system that provides clean air and water.

[Related: Onboard the ISS, nothing goes to waste—including sweat and pee]

While Orndoff’s team did not pursue their idea further, NASA’s commercial contractors have. In 2022, the agency hired US companies Axiom Space and Collins Aerospace to develop the next generation of suits for spacewalks. Earlier this year, Axiom unveiled a prototype suit that Artemis III astronauts might use to explore the lunar south pole. In a statement to Popular Science, the company says: “The Axiom Space AxEMU spacesuits will use textiles that have antimicrobial properties to reduce biocontamination.” The suits’ cooling system will also use biocide in its water loops “to prevent microbial buildup.” The company did not share the exact type of the agents, citing their proprietary nature.

Biological agents at work

Future astronauts might get a helping hygienic hand from the microscopic world. Partnering with the Vienna Textile Lab, and with funding from the ESA, Austrian Space Forum researchers have been studying how to turn a bacterial cell’s own defenses against it.

Specifically, Grömer and his collaborators have been investigating biological compounds called secondary metabolites that microbes sweat out as a defense against other microorganisms. The researchers bonded several of these molecules to textiles and, over the past few years, subjected those samples to hundreds of tests, including zaps of radiation from a nuclear accelerator in Austria and baths in synthetic sweat. (The nasty liquid, which reminds Grömer of the acidic blood of the monsters in Alien, ages fabrics quickly.)

A scanning electron microscope view of textiles tested by the Austrian Space Forum.

One metabolite in particular, named violacein, survived every hostile attack with its antimicrobial properties intact. The purple-black substance can be found in the bacteria that live on the skin of red-backed salamanders. It’s so good at killing microbes that some biologists suspect it protects the amphibians from deadly chytrid fungus infections. The Austrian Space Forum plans to field-test violacein in a simulated Mars mission, in which six astronaut roleplayers will spend four weeks in Armenia’s rugged mountains in 2024.

Grömer envisions a future where this pigment’s potent defenses leave the planet, not only on treated spacesuits but also towels and other gear. While dirty linens might just sound like a chore, they can be a breeding ground for microbes, which thrive in low gravity and may mutate faster in space. “When you go to Mars, you're at the edge of what’s technologically possible, so little nuisances can transform into real disaster-prone situations,” Grömer says. “And so if there's a risk they can control, hell, let's do it.”


 


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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