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 Install Visio on Citrix

  • 1.

    Log in to the Citrix server with administrator credentials

  • 2.

    Insert the Visio installation disk into the CD/DVD drive. Click the “Install” button to install Visio to the Citrix server.

  • 3.

    Click “Next” at each prompt and then click “Finish” when the Visio application has finished installing.

  • 4.

    Click the Start button on the Windows desktop and then click “All Programs" on the Start menu.

  • 5.

    Click the “Citrix” option and then click the “Citrix Management Console” link to open the console.

  • 6.

    Log in with the Citrix administrator credentials and click “OK.”

  • 7.

    Click the “Application Publishing” link to launch the Application Publishing Wizard.

  • 8.

    Type “Visio” into the Display Name input field and click the “Next” button.

  • 9.

    Click the radio button next to the “Application” option.

  • 10.

    Click the “Browse” button to open the file selection window.

  • 11.

    Navigate to the folder where the Visio application is installed on the server. Click on the folder and then click the “Next” button.

  • 12.

    Tick the check boxes for each of the locations where the Visio icon will appear on client desktops. Click the “Next” button to open the Options window.

  • 13.

    Change any optional settings, such as the icon colors, for the client desktops and click the “Next” button. The Audio window opens.

  • 14.

    Click the drop-down box, click “Audio Off” and click “Next” twice.

  • 15.

    Click the “Available Servers” drop-down box and then select the server where Visio is installed. Click the “Add” button.

  • 16.

    Click “Next.” The User Groups window opens.

  • 17.

    Click the “Look In” option and then check the boxes in front of the user groups that will have access to the Visio application. Click “Add” to provide access to the user groups.

  • 18.

    Click the “Finish” button. Visio is now installed to the Citrix network and available to configured users.


  • 22 Google Maps Tricks You Need to Try

    Google Maps has changed how they navigate the world. Its desktop and mobile apps have become more than just a way to get from point A to B via car, public transportation, or on foot: The ubiquitous Google service is also a geospatial search engine for the world around us.

    Google continues to revamp and Improve its map product, but there are a ton of customizable tools and hidden functions already baked into Google Maps that you may not know about, such as Incognito Mode. Check out their tips for how to maximize your Google Maps power.

    1. We're Doing It Live screenshots of Search with Live View in Paris

    Search with Live View (Credit: Google)

    You can get an AR view of the street you're on, if that street is in Amsterdam, Dublin, Florence, London, Los Angeles, New York, Paris, San Francisco, Tokyo, or Venice. Open Maps, click the camera icon at the top, and hold your phone up to scan your location. You'll get an overlay of all the places you'd see on Maps, so you can easily find restaurants, shops, and more.

    Meanwhile, Immersive View for routes, which rolled out in October, gives you a bird's-eye view of your route complete with 3D imagery along the way, whether you're walking, cycling, or driving. Look for it in select cities, including Amsterdam, London, New York, and Tokyo.

    2. Inside Access Google Maps zoomed in to Directory tab on JFK

    (Credit: Google/PCMag)

    Google Maps isn't just for the great outdoors. You can navigate through malls, airports, and other big buildings by finding the location in Maps, clicking on it, then scrolling to Directory. You'll never get lost looking for a Cinnabon again. This feature is available in over 10,000 locations worldwide.

    three screens showing how to use Live view

    Navigating with indoor Live View (Credit: Google)

    Some places even support Live View inside, where animated arrows will guide you around airports, train stations, and malls. It launched in 2021 in the US, Zurich, and Tokyo, and in early 2023, it announced plans to expand to more than 1,000 new locations in Barcelona, Berlin, Frankfurt, London, Madrid, Melbourne, Paris, Prague, São Paulo, Singapore, Sydney, and Taipei. Just lift your phone up in a supported region to jump into Live View.

    3. Plot Multiple Locations on Google Maps file path for plotting Multiple Locations on Google Maps

    (Credit: Google/PCMag)

    Rarely do car trips consist of going from point A to B; more often, they are something like A-to-café-to-library-to-Joe's-house-to-B. Thankfully, Google makes it possible to anticipate real trips. To add multiple destinations in the Google Maps mobile app, enter your starting point and your ultimate destination, and then click the three-dot menu in the top-right corner. This prompts a pop-over menu with the option to "Add stop." Click that, and you can create a route with multiple stops. You can even drag and drop stops within your itinerary. (Note that this doesn't work when you're using the mass-transit option.)

    4. Customize Your Vehicle Icon screenshots of changing the car icon that shows up in the google maps app

    (Credit: Google/PCMag)

    When you're driving, Google lets you choose what kind of car shows up on your navigation in the iOS and Android apps. In the app, plug in your destination and start up driving directions. Tap the icon that shows your current location, and a pop-up menu appears with several car-icon options: a sedan, a pickup truck, or an SUV.

    5. 'Hey Google, Where Am I Going?' google assistant prompts in the google maps app

    (Credit: Google/PCMag)

    You might want to interact with Maps while you're driving, but you don't want to take your eyes off the road. With "OK Google" voice commands in the Google Maps Android app, you don't have to. For example, if you notice you're running low on gas, say "OK Google, find gas stations," and it will show gas stations on the map (which you can look at when you've come to a red light or pulled over). You can also ask questions like "What's my next turn?", "What's my ETA?", and "How's traffic ahead?" On Android, set up Google Assistant, and you're good to go. (You'll need a phone running Android Version 9.0 or higher with 4GB RAM or more.) On iOS (pictured above), tap the microphone icon at the top-right, then ask your questions via voice.

    6. Access Google Maps Offline screenshot of the  obtain option in the Google Maps mobile app

    (Credit: Google/PCMag)

    Today, Maps is most useful on mobile, which brings up a problem: When you're in need of Maps, you may find yourself somewhere with limited (or—gasp—nonexistent) coverage. To help, Google Maps supports offline access. Type in an address or area, swipe up on the menu at the bottom of the screen, tap the ellipsis icon on the top right, and select obtain offline map. If you have enough storage on your device, the map in question will be saved. To access it later, tap your avatar > Offline maps, and you can then get information about businesses in the region and turn-by-turn directions within the downloaded section.

    7. Get Your Groceries Get Your Groceries

    (Credit: PCMag/Google)

    Google has incorporated grocery ordering and pickup functionality into Maps for select brands. Things kicked off a few years ago amid the boom in curbside pickup during the pandemic. That's still an option; in early 2023, Google touted the improvements it's made to the ETA function inside Google Maps for Kroger pickups. But grocery stores can also add a Place an order option to their Maps business profiles. In addition to Kroger stores (which also includes Fry's, Ralphs, and Marianos), it's also available for Albertson's and Fred Meyer locations.

    8. Let Other People Drive screenshot of Lyft options within the Google Maps app and then in the Lyft app

    (Credit: Google/PCMag)

    Ride-sharing services are a big part of the modern transportation mix, so Google added ride options from companies such as Lyft (sorry, no more Uber) to its mobile app. Once you enter your destination, tap the little figure attempting to hail a taxi or the mass-transit option. You'll then be presented with nearby rideshare options, along with the estimated time of arrival and fare. Tap Open App to book your ride.

    9. Find Accessible Transit Routes and Locations screenshot of accessibility file paths in google maps

    (Credit: PCMag/Google)

    Those with mobility issues can search for wheelchair-accessible transit routes by tapping Options > Wheelchair Accessible when looking for train or bus directions. When you get to your destination, meanwhile, the Accessible Places setting offers up wheelchair-accessibility information about that location.

    Turn it on via Settings > Accessibility > Accessible Places. "When Accessible Places is switched on, a wheelchair icon will indicate an accessible entrance, and you’ll be able to see if a place has accessible seating, restrooms, or parking," Google says. "If it’s confirmed that a place does not have an accessible entrance, we’ll show that information on Maps as well."

    10. Change The Font Size Change The Font Size screenshots

    (Credit: PCMag/Google)

    If the words on Google Maps are too small to read, make them bigger.

    On an iPhone, make sure you have iOS 15 or higher via Settings > General > About. Then go to Settings > Control Center. Under More Controls, you'll see Text Size. Tap the green plus icon on the left, which moves it to the top under Included Controls. Now, open Google Maps and swipe down from the upper right where you see the battery icon. Tap on the Text Size button (an icon of a small A next to a large A). On the bottom, select whether you want to increase the font size on just Google Maps or across all apps. You can then increase the font size with the white bars. Close out of Control Center and your font adjustments should update automatically.

    On an Android, you can change the size of the font or display but this is going to be a universal change across all of the device's apps. Open Settings, then select Accessibility. You can make words larger by tapping Font Size and then setting your preferred letter size or change the display size by tapping Display Size and then setting your preferred icon size.

    11. Remember Where You Parked dropping an 'i parked here' pin in google maps

    (Credit: PCMag/Google)

    Remember when the Seinfeld gang spent the whole half hour wandering around a parking garage looking for their parked car? That episode (along with many others) would not work in 2024, thanks to Google Maps.

    At your destination, tap the blue location dot, and select Save parking, which adds a label to the Maps app identifying where you parked. On Android, tap that to add details such as the parking garage level and spot or the amount of time left before a meter expires. You can also set meter reminders, add a photo of where you parked, and send your parking location to friends.

    To find it later, tap the search bar at the top, and select Parking location (Android) or Saved parking (iOS). Or tap the Driving arrow below, and look for Saved parking on iOS. Google will automatically delete the parking reminder after 8 hours, though you can manually get rid of it by tapping You parked here on the map and selecting Clear (iOS) or More info > Clear (Android).

    12. What's the Parking Sitch? google maps labels about whether parking is busy or not

    (Credit: PCMag/Google)

    Google Maps can provide turn-by-turn directions based on live-ish traffic data, but it can also provide you with a glimpse of the parking situation. When you search for driving directions to a location on iOS or Android, you might see a P logo at the bottom of the screen along with one of three designations: limited, medium, and easy (plus On-site for retailers with large parking lots). This can help you decide how much time you'll need to allocate for parking or even whether another form of transportation would be a better option.

    13. Share Your Location Share Your Location on ios

    (Credit: Google/PCMag)

    Google Maps lets you share your current location with people for specified periods of time. When you share your location with a certain contact, they'll see your icon moving in real time on their map. On mobile, tap your profile icon on the top right, and select Location sharing. Then choose with whom you want to share and for how long. (You may need to first allow notifications from Google Maps in your phone's settings menu.)

    14. View (and Delete) Your Google Maps History screenshot of the settings in the ios mobile app for deleting google maps history

    (Credit: Google/PCMag)

    Google maintains a very detailed record of your digital activities. If you'd rather it lose your Maps data, you can erase it on desktop or mobile. On a desktop, go to maps.google.com. Click the hamburger menu, and select Your data in Maps. You'll end up on a page titled Google-wide Controls, where you can go to Location History > See & delete activity. You'll see a map with a timeline of your activity. On the bottom-right of the map, click the trashcan icon to delete all your location history permanently.

    As of December 2023, the first time you turn on location history, Google will default you to auto-delete your history every three months. To adjust that, navigate to myactivity.google.com. Click Location History > Choose an auto-delete option, and choose how often Google will delete your data (every 3, 18, or 36 months) or turn auto-delete off completely.

    Recommended by Their Editors

    On mobile, go to Settings > Maps History, which will bring you to a Maps Activity page. Look for the Delete drop-down menu, where you can opt to delete your history from today, all time, or a custom range. Tap Auto-delete to select a timeframe for when Google will automatically delete Maps data

    15. Go Incognito incognito mode inside the google maps ios app

    (Credit: Google/PCMag)

    For a quick way to poke around Google Maps without leaving any obvious footprints, go Incognito. Google Maps won't save your browser or search history in your account or send notifications. Your searches and movements won't be added to location history or shared location. And Google won't use your activity while you're in Incognito Mode to personalize Maps. This mode has advantages when you want to peep a location without having it tangled up with your search history, but just as on web browsers, it doesn't make you invisible. To turn the mode on, tap your avatar and select Turn on Incognito mode; the Incognito icon appears in the search bar. Tap it and select Turn off Incognito mode to switch it off.

    16. Time Travel With Google Maps screenshot of the time travel feature in google maps on ios

    (Credit: PCMag/Google)

    Street View has amassed a huge collection of street imagery over the years. In 2014, Google introduced Time Travel, a way for users to see how Street View has changed over time. And in 2022, it expanded from the desktop to mobile. To look back at a particular address, enter Street View and tap anywhere on the screen. At the bottom, tap See more dates. Where available, this should produce a series of photos. Scroll through and select the date you want to see.

    17. Add Some Music screenshot of music settings in google maps

    If you've always got Google Maps navigation open while you're driving (or walking), you can add music to your trip without leaving the app. Sync music apps such as Spotify or Apple Music by opening the menu and navigating to Settings. On iOS, tap Navigation > Music playback controls to connect Apple Music or Spotify. On Android, tap Navigation settings > Assistant default media provider, where you can link a number of music-streaming services, including YouTube Music, Spotify, Apple Music, iHeartRadio, Pandora, and Deezer. Once you do, a pop-up to your app of choice should appear as you're driving for a quick tap to get your music started. Be sure to create your playlists beforehand so you can keep your eyes on the road!

    18. Find Electric-Vehicle Charging Stations screenshot showing how to search for EV charging stations on Google Maps

    (Credit: PCMag/Google)

    More and more electric vehicles (EVs) are taking to the road, and Google Maps is adapting. You can search "EV charging" or "EV charging station" in Google Maps, and it suggests the best station for you based on traffic conditions, your charge level, and the expected energy consumption. You can filter by types of plugs, and if you're in a rush, you can select Fast Charge to find the charging stations with the most voltage. If you use Android Auto in an EV, meanwhile, it will no longer show gas stations.

    19. Request Fuel-Efficient Routes fuel efficiency settings in google maps

    (Credit: Google/PCMag)

    Want to make sure that next road trip is fuel-efficient? Turn on this setting in Google Maps and the app will prioritize fuel- or energy-efficiency over other factors like real-time traffic and road conditions. "So besides showing you the fastest route, it will also show you the most efficient one, even if they aren't the same," Google says.

    Go to Settings > Navigation / Navigation settings and toggle Prefer fuel-efficient routes to on. Here, you can also tell Google Maps your engine type: gas, diesel, electric, or hybrid. Google will then serve up routes based on that engine type to help you save fuel.

    20. Find Safe Drug-Disposal Locations Find Safe Drug Disposal Locations

    (Credit: PCMag/Google)

    Google Maps is doing its part to fight the opioid crisis with a search tool to help users find safe drug-disposal locations. Type "drug disposal" into the search bar to pull up pharmacies, medical centers, and local authority locations where you can safely dispose of excess pills.

    21. Share Your Favorite Places screenshots of creating a list and sharing that list within the google maps ios app

    (Credit: PCMag/Google)

    Google Maps lets you share some of your favorite places with a friend. Just tap the share icon on the location's Google Maps card to send it to them via text, email, or your app of choice. Save favorite places by tapping the Save icon; they then show up in the Saved option in the menu bar.

    If you want to share more than one favorite location, you can create a Pinterest-like list within Google Maps. When you save a favorite place, tap New List to create a collection (like "Thai restaurants in Brooklyn") or add it to an existing collection. You'll find them in the Saved tab under Your lists; tap the three-dot menu and then Share List to send a link to friends.

    22. Become (or Consult) a Local Guide

    Think you know your neighborhood better than Google's algorithm? Then consider becoming a Local Guide. Although anyone can leave reviews and tips in Google Maps, being a Local Guides allows you to earn points for leaving more insights and data, which—as you go up the ladder—can result in "rewards and early access to new features," Google says.

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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