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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202-450 exam Format | 202-450 Course Contents | 202-450 Course Outline | 202-450 exam Syllabus | 202-450 exam Objectives


Exam Name LPIC-2 Linux Engineer
Exam Code 202-450
Duration 90 mins
Number of Questions 60
Passing Score 500 / 800

Description: Candidates should be able to configure BIND to function as a caching-only DNS server. This objective includes the ability to manage a running server and configuring logging.

Key Knowledge Areas:
- BIND 9.x configuration files, terms and utilities
- Defining the location of the BIND zone files in BIND configuration files
- Reloading modified configuration and zone files
- Awareness of dnsmasq, djbdns and PowerDNS as alternate name servers

The following is a partial list of the used files, terms and utilities:
- /etc/named.conf
- /var/named/
- /usr/sbin/rndc
- kill
- host
- dig

Description: Candidates should be able to create a zone file for a forward or reverse zone and hints for root level servers. This objective includes setting appropriate values for records, adding hosts in zones and adding zones to the DNS. A candidate should also be able to delegate zones to another DNS server.

Key Knowledge Areas:
- BIND 9 configuration files, terms and utilities
- Utilities to request information from the DNS server
- Layout, content and file location of the BIND zone files
- Various methods to add a new host in the zone files, including reverse zones

Terms and Utilities:
- /var/named/
- zone file syntax
- resource record formats
- named-checkzone
- named-compilezone
- masterfile-format
- dig
- nslookup
- host

Description: Candidates should be able to configure a DNS server to run as a non-root user and run in a chroot jail. This objective includes secure exchange of data between DNS servers.

Key Knowledge Areas:
- BIND 9 configuration files
- Configuring BIND to run in a chroot jail
- Split configuration of BIND using the forwarders statement
- Configuring and using transaction signatures (TSIG)
- Awareness of DNSSEC and basic tools
- Awareness of DANE and related records

Terms and Utilities:
- /etc/named.conf
- /etc/passwd
- DNSSEC
- dnssec-keygen
- dnssec-signzone

Description: Candidates should be able to install and configure a web server. This objective includes monitoring the servers load and performance, restricting client user access, configuring support for scripting languages as modules and setting up client user authentication. Also included is configuring server options to restrict usage of resources. Candidates should be able to configure a web server to use virtual hosts and customize file access.

Key Knowledge Areas:
- Apache 2.4 configuration files, terms and utilities
- Apache log files configuration and content
- Access restriction methods and files
- mod_perl and PHP configuration
- Client user authentication files and utilities
- Configuration of maximum requests, minimum and maximum servers and clients
- Apache 2.4 virtual host implementation (with and without dedicated IP addresses)
- Using redirect statements in Apaches configuration files to customize file access

Terms and Utilities:
- access logs and error logs
- .htaccess
- httpd.conf
- mod_auth_basic, mod_authz_host and mod_access_compat
- htpasswd
- AuthUserFile, AuthGroupFile
- apachectl, apache2ctl
- httpd, apache2

Description: Candidates should be able to configure a web server to provide HTTPS.

Key Knowledge Areas:
- SSL configuration files, tools and utilities
- Generate a server private key and CSR for a commercial CA
- Generate a self-signed Certificate
- Install the key and certificate, including intermediate CAs
- Configure Virtual Hosting using SNI
- Awareness of the issues with Virtual Hosting and use of SSL
- Security issues in SSL use, disable insecure protocols and ciphers

Terms and Utilities:
- Apache2 configuration files
- /etc/ssl/, /etc/pki/
- openssl, CA.pl
- SSLEngine, SSLCertificateKeyFile, SSLCertificateFile
- SSLCACertificateFile, SSLCACertificatePath
- SSLProtocol, SSLCipherSuite, ServerTokens, ServerSignature, TraceEnable

Description: Candidates should be able to install and configure a proxy server, including access policies, authentication and resource usage.

Key Knowledge Areas:
- Squid 3.x configuration files, terms and utilities
- Access restriction methods
- Client user authentication methods
- Layout and content of ACL in the Squid configuration files

Terms and Utilities:
- squid.conf
- acl
- http_access

Description: Candidates should be able to install and configure a reverse proxy server, Nginx. Basic configuration of Nginx as a HTTP server is included.

Key Knowledge Areas:
- Nginx
- Reverse Proxy
- Basic Web Server

Terms and Utilities:
- /etc/nginx/
- nginx

Description: Candidates should be able to set up a Samba server for various clients. This objective includes setting up Samba as a standalone server as well as integrating Samba as a member in an Active Directory. Furthermore, the configuration of simple CIFS and printer shares is covered. Also covered is a configuring a Linux client to use a Samba server. Troubleshooting installations is also tested.

Key Knowledge Areas:
- Samba 4 documentation
- Samba 4 configuration files
- Samba 4 tools and utilities and daemons
- Mounting CIFS shares on Linux
- Mapping Windows user names to Linux user names
- User-Level, Share-Level and AD security

Terms and Utilities:
- smbd, nmbd, winbindd
- smbcontrol, smbstatus, testparm, smbpasswd, nmblookup
- samba-tool
- net
- smbclient
- mount.cifs
- /etc/samba/
- /var/log/samba/

Description: Candidates should be able to export filesystems using NFS. This objective includes access restrictions, mounting an NFS filesystem on a client and securing NFS.

Key Knowledge Areas:
- NFS version 3 configuration files
- NFS tools and utilities
- Access restrictions to certain hosts and/or subnets
- Mount options on server and client
- TCP Wrappers
- Awareness of NFSv4

Terms and Utilities:
- /etc/exports
- exportfs
- showmount
- nfsstat
- /proc/mounts
- /etc/fstab
​- rpcinfo
- mountd
- portmapper

Description: Candidates should be able to configure a DHCP server. This objective includes setting default and per client options, adding static hosts and BOOTP hosts. Also included is configuring a DHCP relay agent and maintaining the DHCP server.

Key Knowledge Areas:
- DHCP configuration files, terms and utilities
- Subnet and dynamically-allocated range setup
- Awareness of DHCPv6 and IPv6 Router Advertisements

Terms and Utilities:
- dhcpd.conf
- dhcpd.leases
- DHCP Log messages in syslog or systemd journal
- arp
- dhcpd
- radvd
- radvd.conf

Description: The candidate should be able to configure PAM to support authentication using various available methods. This includes basic SSSD functionality.

Key Knowledge Areas:
- PAM configuration files, terms and utilities
- passwd and shadow passwords
- Use sssd for LDAP authentication

Terms and Utilities:
- /etc/pam.d/
- pam.conf
- nsswitch.conf
- pam_unix, pam_cracklib, pam_limits, pam_listfile, pam_sss
- sssd.conf

Description: Candidates should be able to perform queries and updates to an LDAP server. Also included is importing and adding items, as well as adding and managing users.

Key Knowledge Areas:
- LDAP utilities for data management and queries
- Change user passwords
- Querying the LDAP directory

Terms and Utilities:
- ldapsearch
- ldappasswd
- ldapadd
- ldapdelete

Description: Candidates should be able to configure a basic OpenLDAP server including knowledge of LDIF format and essential access controls.

Key Knowledge Areas:
- OpenLDAP
- Directory based configuration
- Access Control
- Distinguished Names
- Changetype Operations
- Schemas and Whitepages
- Directories
- Object IDs, Attributes and Classes

Terms and Utilities:
- slapd
- slapd-config
- LDIF
- slapadd
- slapcat
- slapindex
- /var/lib/ldap/
- loglevel

Description: Candidates should be able to manage an e-mail server, including the configuration of e-mail aliases, e-mail quotas and virtual e-mail domains. This objective includes configuring internal e-mail relays and monitoring e-mail servers.

Key Knowledge Areas:
- Configuration files for postfix
- Basic TLS configuration for postfix
- Basic knowledge of the SMTP protocol
- Awareness of sendmail and exim

Terms and Utilities:
- Configuration files and commands for postfix
- /etc/postfix/
- /var/spool/postfix/
- sendmail emulation layer commands
- /etc/aliases
- mail-related logs in /var/log/

Description: Candidates should be able to implement client e-mail management software to filter, sort and monitor incoming user e-mail.

Key Knowledge Areas:
- Understanding of Sieve functionality, syntax and operators
- Use Sieve to filter and sort mail with respect to sender, recipient(s), headers and size
- Awareness of procmail

Terms and Utilities:
- Conditions and comparison operators
- keep, fileinto, redirect, reject, discard, stop
- Dovecot vacation extension

Description: Candidates should be able to install and configure POP and IMAP daemons.

Key Knowledge Areas:
- Dovecot IMAP and POP3 configuration and administration
- Basic TLS configuration for Dovecot
- Awareness of Courier

Terms and Utilities:
- /etc/dovecot/
- dovecot.conf
- doveconf
- doveadm

Description: Candidates should be able to configure a system to forward IP packet and perform network address translation (NAT, IP masquerading) and state its significance in protecting a network. This objective includes configuring port redirection, managing filter rules and averting attacks.

Key Knowledge Areas:
- iptables and ip6tables configuration files, tools and utilities
- Tools, commands and utilities to manage routing tables.
- Private address ranges (IPv4) and Unique Local Addresses as well as Link Local Addresses (IPv6)
- Port redirection and IP forwarding
- List and write filtering and rules that accept or block IP packets based on source or destination protocol, port and address - Save and reload filtering configurations

Terms and Utilities:
- /proc/sys/net/ipv4/
- /proc/sys/net/ipv6/
- /etc/services
- iptables
- ip6tables

Description: Candidates should be able to configure an FTP server for anonymous downloads and uploads. This objective includes precautions to be taken if anonymous uploads are permitted and configuring user access.

Key Knowledge Areas:
- Configuration files, tools and utilities for Pure-FTPd and vsftpd
- Awareness of ProFTPd
- Understanding of passive vs. active FTP connections

Terms and Utilities:
- vsftpd.conf
- important Pure-FTPd command line options

Description: Candidates should be able to configure and secure an SSH daemon. This objective includes managing keys and configuring SSH for users. Candidates should also be able to forward an application protocol over SSH and manage the SSH login.

Key Knowledge Areas:
- OpenSSH configuration files, tools and utilities
- Login restrictions for the superuser and the normal users
- Managing and using server and client keys to login with and without password
- Usage of multiple connections from multiple hosts to guard against loss of connection to remote host following configuration changes

Terms and Utilities:
- ssh
- sshd
- /etc/ssh/sshd_config
- /etc/ssh/
- Private and public key files
- PermitRootLogin, PubKeyAuthentication, AllowUsers, PasswordAuthentication, Protocol

Description: Candidates should be able to receive security alerts from various sources, install, configure and run intrusion detection systems and apply security patches and bugfixes.

Key Knowledge Areas:
- Tools and utilities to scan and test ports on a server
- Locations and organizations that report security alerts as Bugtraq, CERT or other sources
- Tools and utilities to implement an intrusion detection system (IDS)
- Awareness of OpenVAS and Snort

Terms and Utilities:
- telnet
- nmap
- fail2ban
- nc
- iptables

Description: Candidates should be able to configure a VPN (Virtual Private Network) and create secure point-to-point or site-to-site connections.

Key Knowledge Areas:
- OpenVPN

Terms and Utilities:
- /etc/openvpn/
- openvpn



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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