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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10 best antivirus software for businesses

Antivirus software is a key aspect of protecting your business’ resources and devices. The best antivirus software scans and detects malware and protects against viruses and other malicious files designed to compromise company data.

In this article, I’ve listed nine of the best antivirus software for businesses in 2024, including their standout features and how you can choose the right antivirus solution for your business.

Top antivirus software comparison

While many features—such as threat detection, real-time scanning and ransomware protection—are consistent across various antivirus software solutions, there are key differences that set vendors apart. Features such as firewall protection, OS support and bundled VPN services are a few differentiating add-ons. Below, I compare the top antivirus software by features and price.

1 Semperis

Employees per Company Size

Micro (0-49), Small (50-249), Medium (250-999), Large (1,000-4,999), Enterprise (5,000+)

Large (1,000-4,999 Employees), Enterprise (5,000+ Employees) Large, Enterprise

Features

Advanced Attacks Detection, Advanced Automation, Anywhere Recovery, and more

2 ESET PROTECT Advanced

Employees per Company Size

Micro (0-49), Small (50-249), Medium (250-999), Large (1,000-4,999), Enterprise (5,000+)

Any Company Size Any Company Size

Features

Advanced Threat Defense, Full Disk Encryption , Modern Endpoint Protection, Server Security

OS compatibility VPN option Firewall protection Live 24/7 support Starting price McAfee Windows,Mac, Android, iOS, ChromeOS, Firefox, Chrome, Safari, Edge Yes Yes Yes $39.99 per year (5 devices) Kaspersky Windows, Mac, Linux, Android, iOS, Chrome, Edge, Safari, Firefox Yes Yes Yes $120 per year for five users CrowdStrike Falcon Windows, Linux, Mac, ChromeOS No Yes Yes $299 per year (5 devices) Bitdefender GravityZone Windows, Mac, Linux No Yes Depends on region $199.49 per year (10 endpoints and 3 servers) ESET Protect Windows, Mac, Linux, Android, iOS No Yes No $211 per year (5 devices) Avast Business Windows, Mac, Linux, Android, iOS, Chrome, Firefox, Safari, Edge Yes Yes No $139.99 per year (10 devices) Trend Micro Windows, Mac, Linux, Android, iOS Yes Yes Yes Contact vendor for pricing. ThreatDown by Malwarebytes Windows, Mac, Linux, Chrome, iOS, Android Yes No Yes $69 per year, per endpoint Microsoft Defender for Endpoint Windows, Mac, Linux, Android, iOS, Chrome, Edge Yes Yes No $3 per user, per month McAfee Total Protection - Best starter antivirus McAfee logo. Image: McAfee

If you don’t yet have an antivirus solution for your business, McAfee Total Protection is a good starting point. McAfee provides continuous and automatic protection from cybersecurity threats such as phishing, viruses, hackers and ransomware.

Screenshot of real-time scanning in McAfee. Figure A: Real-Time Scanning in McAfee. Image: McAfee

Smaller businesses and startups can benefit from its real-time malware protection across all devices. And, with the multiple subscription plans, you can customize the product for your particular needs.

In addition to standard features such as firewall protection, Wi-Fi security, password management and PC optimization, McAfee offers a PC cleaner, identity protection, file shredder and a virtual private network. Many of these features may be available at an additional cost.

Why they chose McAfee

We chose McAfee for its wide availability on many consumer laptops and machines today. Since many PC and computer packages come pre-installed with McAfee, it serves as a decent gateway solution for business owners or employees that are only starting to care about cybersecurity. While it may not necessarily provide the best user experience, its built-in protection is still better than having none at all for your system.

During their review, McAfee Total Protection received a score of 3.5 stars out of 5.

Pricing

McAfee Total Protection offers three plans:

  • Essential: Starts at $39.99 per year and protects up to five devices.
  • Premium: Starts at $44.99 per year, excluding some features but protects unlimited devices.
  • Advanced: Starts at $69.99 per year with full feature set and unlimited device protection.
  • Features
  • Identity theft protection.
  • Secure VPN option.
  • Password manager.
  • Features a file shredder that can delete files without leaving traces.
  • Pros
  • Free trial.
  • Unlimited device protection.
  • Flexibility with multiple plan options.
  • 24/7 customer support.
  • Cons
  • Lower subscription tiers exclude important security features.
  • Not compatible with Linux.
  • Higher price point compared to others.
  • Kaspersky - Best for strong security performance Kaspersky logo Image: Kaspersky

    As one of the more well-known antivirus providers, Kaspersky is a controversial pick. On one hand, it provides some of the best malware prevention and detection on the market. On the other hand, it has been named a “threat to national security” by the United States Federal Communications Commission for being based in Russia and has been alleged to be a possible venue for espionage.

    As much as there are continuing discussions of these allegations against Kaspersky, I believe that any possible risk will depend on a business owner’s personal preference and risk tolerance.

    Screenshot of Kaspersky in-app recommendations for companies. Figure B: Kaspersky in-app recommendations for companies. Image: Kaspersky

    For small businesses of up to 50 employees, I recommend Kaspersky’s Small Office Security protection—an antivirus suite that features a premium VPN, password manager and safe money services. The small office security suite protects servers, computers and data and is compatible with various operating systems, such as Windows, Android, macOS and iOS.

    For businesses with more than 250 employees, I recommend Kaspersky’s Endpoint Security Cloud, which helps businesses uncover, understand and remediate known and unknown vulnerabilities on their workstations.

    Why they chose Kaspersky

    Kaspersky has built a strong reputation for its top-tier anti-malware performance and ransomware protection. While there are concerns about its links to Russian intelligence, the product is one of the best antivirus solutions available today.

    During their review, Kaspersky received a score of 4.2 out of 5 stars.

    Pricing

    Kaspersky’s antivirus solution for businesses is offered in two categories: Small Office Security and Endpoint Security Cloud.

  • Small Office Security: Starts at $120 per year for five users.
  • Endpoint Security Cloud: Starts at $193.50 per year for five users.
  • Endpoint Security Cloud Plus: $308.25 per year for five users.
  • Endpoint Security Cloud Pro: $495.00 per year for five users.
  • Features
  • Patch and encryption management.
  • User access customization.
  • Software updater helps fix vulnerable applications on PCs.
  • Smart protection automatically connects users to a VPN when an unsecure network is detected.
  • Pros
  • Cybersecurity training offered.
  • Compatible with multiple devices and operating systems.
  • Free trial available for each plan.
  • Cons
  • Controversy as an alleged avenue for Russian espionage.
  • Higher price point compared to others.
  • CrowdStrike Falcon - Best for AI-powered threat analysis CrowdStrike Falcon logo. Image: Crowdstrike Falcon

    If you’re looking for an antivirus solution centered around artificial intelligence (AI), I recommend CrowdStrike Falcon. It’s a cloud-based software that utilizes machine learning algorithms to detect and respond to attacks in real-time. Businesses can use its endpoint protection to secure their devices and networks against malware, ransomware and other cyberattacks.

    Screenshot of Detection stats within Falcon Go. Figure C: Detection stats within Falcon Go. Image: CrowdStrike

    I really like CrowdStrike’s AI-powered threat analysis that allows businesses to identify and respond to potential threats quickly. Because it’s cloud-based, businesses can manage their security from a centralized location. CrowdStrike is available on Windows, Windows Server, macOS, Linux and ChromeOS.

    Why they chose CrowdStrike Falcon

    Employing AI technology makes CrowdStrike Falcon a prime solution for users that want bleeding-edge protection, especially those worried about newer and more modern threats. AI-based antivirus solutions can sift through data at a much faster rate—an advantage over other solutions when detecting viruses and other malicious files.

    During their review, CrowdStrike Falcon received a score of 4.1 out of 5 stars.

    Pricing

    CrowdStrike Falcon offers four pricing tiers:

  • Falcon Go: $299 per year (minimum of five devices).
  • Falcon Pro: $499 per year (minimum of five devices).
  • Falcon Enterprise: $924.95 (minimum of five devices).
  • Falcon Elite: Contact the vendor for a quote.
  • Features
  • Real-time threat detection and response.
  • Endpoint protection.
  • Cloud-based management console.
  • AI-powered threat analysis.
  • 24/7 monitoring and support.
  • Pros
  • Easy to deploy and manage.
  • Detailed threat intelligence and reporting.
  • A range of pricing options.
  • Cons
  • Higher price point compared to others.
  • Some features require additional licenses or add-ons.
  • Requires an internet connection for full functionality.
  • Bitdefender GravityZone - Best for web scanning Bitdefender GravityZone logo. Image: Bitdefender GravityZone

    If using the internet is a big part of your operations, I suggest giving Bitdefender’s GravityZone a try. It is an on-premises and cloud antivirus solution, offering unified endpoint security and analytics and advanced threat intelligence for small businesses. It comes with a single management console and is designed to protect small businesses against phishing, ransomware and other attacks.

    Screenshot of Scheduling scans within GravityZone. Figure D: Scheduling scans within GravityZone. Image: Bitdefender

    In particular, I find GravityZone’s web scan feature noteworthy, as it automatically scans all incoming SSL, HTTP and HTTPS traffic to help users avoid downloading malware to their endpoint. In addition to the web scan functionality, users are also provided content scanning and heuristic analysis for protection against worms, viruses, trojans, adware, keyloggers and other types of malicious software.

    Why they chose Bitdefender GravityZone

    Bitdefender GravityZone’s web scanner is especially useful for businesses that regularly use online services or applications in their workflow. Most malware originates from the internet, therefore, having a fast-performing web scanner is essential.

    During their review, Bitdefender GravityZone received a score of 4.0 out of 5 stars.

    Pricing

    Bitdefender GravityZone offers the following subscription plans:

  • One-year subscription: Starts at $199.49 for ten endpoints and three servers.
  • Two-year subscription: Starts at $339.49 for ten endpoints and three servers.
  • Three-year subscription: Starts at $440.99 for ten endpoints and three servers.
  • Features
  • Web scanning capability.
  • Centralized management console.
  • Automatically blocks phishing and fraudulent web pages.
  • Fileless attack protection.
  • Advanced Anti-Exploit for real-time exploit detection.
  • Pros
  • Offers security for on-premises and cloud.
  • Easy to use and manage with a centralized console.
  • Provides detailed reports and logs for auditing purposes.
  • Creates a real-time backup of the files to prevent data loss during attacks.
  • Cons
  • May require additional customization to fit specific business needs.
  • Higher price point compared to others.
  • ESET Protect - Best for flexibility and customization ESET Protect logo. Image: ESET

    If you’re looking for an antivirus solution with multiple plan options, I recommend ESET Protect. ESET provides antivirus services designed for home use, small businesses and enterprises. I appreciate that, within each tier, ESET provides different subscription options.

    Screenshot of blocked item in ESET Protect Enterprise. Figure E: Blocked item in ESET Protect Enterprise. Image: ESET

    ESET Protect leverages advanced multi-layered technology to secure PCs, file servers and mobile devices from viruses, brute force attacks and other attack vectors. The solution can be run on-premises or via the cloud, making it easy for enterprises running on a cloud-based, hybrid or on-premises ecosystem to adopt the product.

    ESET Protect provides mail security, advanced threat defense, full disk encryption, cloud application protection and file server security.

    Why they chose ESET Protect

    ESET Protect’s extensive subscription options make it a top consideration for small to large businesses. Its wide-ranging plans allow organizations to choose a service that caters to their specific security needs.

    During their review, ESET Protect received a score of 3.9 out of 5 stars.

    Pricing

    ESET Protect pricing is categorized under Small Office Protection, Business and Enterprise Protection. Each category offers multiple plan options.

    For small businesses, ESET offers:

  • ESET Protect Entry: $211 per year for five devices.
  • ESET Protect Advanced: $220 per year for five devices.
  • ESET Complete: $270 per year for five devices.
  • ESET Protect Elite: Contact vendor for pricing.
  • Features
  • Mail security.
  • Unified security management console.
  • Compatible with multiple operating systems, including Linux.
  • Advanced protection for Microsoft 365.
  • Pros
  • Wide variety of reporting options.
  • Offered on-premises and cloud.
  • Cons
  • Complex pricing plans.
  • Lacks patch management features.
  • Avast Business - Best for included VPN Avast Business logo. Image: Avast Business

    For those wanting an antivirus solution bundled with a VPN, I recommend Avast Business. Built for small and mid-sized businesses, I find that Avast Business’s package of anti-malware technology, VPN service and ransomware protection make it a viable security solution.

    Avast Business also provides password security for businesses that want to protect their employees’ passwords and ensure USB security.

    Screenshot of additional services with Avast Business. Figure F: Additional services with Avast Business. Image: Avast

    Avast Business includes identity protection and web protection to help ward off malicious third parties online. Its easy-to-use management console also allows businesses to manage their security across all devices from a single dashboard.

    Why they chose Avast Business

    Avast’s Premium Business Security subscription offers a great balance of features in addition to the main antivirus service. It includes phishing protection, web control, endpoint and ransomware protection and a VPN to encrypt and secure online traffic.

    During their review, Avast Business received a score of 3.7 out of 5 stars.

    Pricing

    Avast Business pricing is subscription-based and comes with a 30-day money-back guarantee.

  • Avast Small Office Protection: $139.99 per year for 10 devices.
  • Essential Business Security: $148.36 per year for five devices.
  • Premium Business Security: $187 per year for five devices.
  • Ultimate Business Security: $227.08 per year for five devices.
  • Features
  • Advanced threat detection.
  • VPN included with Premium and Ultimate plans.
  • Real-time scanning and threat identification.
  • System and application patching.
  • Cloud-based technology for automatic updates.
  • Identity and web protection.
  • Pros
  • Can be deployed in either on-premises or cloud environments.
  • Easy-to-use management console for managing security across all devices.
  • Automatic updates to systems and applications.
  • Unlimited VPN option to encrypt data and secure internet connections.
  • Patch management.
  • Cons
  • Higher price point compared to others.
  • Some features, such as unlimited VPN and identity protection, are unavailable for Mac.
  • Limited support options for Essential Business Security subscribers.
  • Trend Micro - Best for EDR capabilities Trend Micro logo. Image: Trend Micro

    For those with Endpoint Detection and Response (EDR) as a top priority, I recommend Trend Micro. It touts itself as an all-in-one EDR solution, which, after further review, I find hard to argue against. It offers solutions for both endpoint security and cloud security, top-tier malware detection and blocking and role-based access controls for easier management.

    Screenshot of a discovered attack within Apex One. Figure G: Discovered attack within Apex One. Image: Trend Micro

    I specifically like Trend Micro’s Apex One endpoint security solution that provides automated threat detection and response against advanced malware such as living off the land (LOTL), ransomware and fileless threats.

    Why they chose Trend Micro

    Trend Micro’s focus on EDR security makes it a great pick for businesses that have shifted to a hybrid work environment with remote employees. Strong EDR is crucial in ensuring that any company’s resources, communications or files remain secure, especially when used in a remote setting.

    During their review, Trend Micro received a score of 3.9 out of 5 stars.

    Pricing

    Trend Micro offers over twenty layers of security for businesses, each with varying pricing plans. I recommend you speak to a representative to discuss your needs.

    Features
  • VPN activates automatically when connection isn’t secure.
  • Firewall protection.
  • Can be used in on-premises, cloud and hybrid environments.
  • Advanced threat detection.
  • Mobile security.
  • Email security.
  • Pros
  • Real-time protection.
  • Free basic version.
  • 30-day free trial.
  • Cons
  • No Windows web camera protection.
  • Password manager feature is only available on the top two plans.
  • Multiple plans could be confusing to some people.
  • Features
  • Browser Guard acts as an ad-blocker.
  • Uses AI/ML to monitor, detect and interrupt payload delivery.
  • DNS filtering functionality protects users from suspicious web domains.
  • Cloud management console provides easy setup.
  • Pros
  • Leverages AI/ML for faster and automated threat detection.
  • Offers browser guard to keep businesses away from unwanted ads.
  • Includes free trial.
  • Cons
  • Firewall option not included.
  • No file shredder option.
  • Microsoft Defender for Endpoint: Best for Microsoft users Microsoft Defender logo. Image: Microsoft

    If your business has heavy Microsoft integration, Microsoft Defender is a no-brainer. It offers a suite of threat protection solutions designed to protect endpoint devices from advanced threats such as ransomware and file-less malware.

    While I find the solution works best with Microsoft products, it’s also compatible with other software.

    Screenshot of weaknesses list in Defender. Figure I: Weaknesses list in Defender. Image: Microsoft

    Microsoft Defender uses cloud technology to provide security for various operating systems, including Windows, macOS, Linux, Android and iOS.

    Why they chose Microsoft Defender

    We chose Microsoft Defender for its heavy integration with other Microsoft products. As an offering from Microsoft, the Defender software can be purchased as part of their 365 Business Premium bundle, which includes Office 365, Microsoft Entra ID P1 and Azure Information Protection.

    During their review, Microsoft Defender received a score of 3.9 out of 5 stars.

    Pricing

    Microsoft Defender for Business has two pricing plans.

  • Microsoft Defender for Business: $3 per user, per month.
  • Microsoft 365 Business Premium: $22 per user, per month.
  • Features
  • Cloud-based management provides easy deployment and management.
  • Offers advanced reporting and analytics.
  • Leverages machine learning and behavioral algorithms to detect and block threats.
  • Monitors for Microsoft and third-party software vulnerabilities.
  • Pros
  • Offers a free trial.
  • Vulnerability monitoring is not limited to Microsoft software.
  • Can investigate security alerts automatically.
  • Cons
  • Limited support for non-Microsoft platforms.
  • Requires a Microsoft ecosystem for full benefits.
  • Must-read security coverage How to choose a good antivirus solution for your business Consider compatibility and integration

    Compatibility and integration are essential factors to consider when choosing an antivirus solution for your business. I highly suggest making sure that your chosen antivirus is compatible with all operating systems and applications used by your organization. The antivirus software should also be able to integrate with other cybersecurity software—such as intrusion detection and data loss prevention systems.

    SEE: Password breach: Why pop culture and passwords don’t mix (free PDF) 

    Consider cost and needs

    While the cost of an antivirus solution is a crucial factor to consider, I recommend not compromising on quality. In my opinion, the best way to arrive at a good price is to find a healthy balance between your business’ security needs and overall budget. Consider the size of your business, the number of devices you need to protect and the level of protection required. Some antivirus software may offer more advanced features that you don’t need.

    Consider ease of use

    Software should be user-friendly and easy to install and manage. Consider solutions that offer centralized management, automated updates and remote access. This will ensure that your IT team can manage the antivirus solution easily without causing any disruption to your business operations.

    SEE: Google Chrome: Security and UI tips you need to know (TechRepublic Premium)

    Check scalability

    Choosing an antivirus solution that can accommodate your growing needs is essential. Ensure the antivirus solution is scalable and has multiple subscription options or tiers that cater to larger businesses. This is particularly important if you have employees who use personal devices for work, as you need to ensure that those devices are also protected.

    Methodology

    This article was originally written by Franklin Okeke. The analysis above focused on critically assessing important antivirus features such as malware detection and removal, performance in independent tests, pricing, extra features and the like. User reviews and testimonials were also used to supplement their findings.

    I used an internal algorithm to grade each antivirus solution by these attributes.


    Study Abroad

    Study Abroad

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    ESF Education Abroad is devoted to making transformational international experiences accessible to all ESF students regardless of major, cost, identity, or other defining factors. They do this by working with students on an individual basis to find the opportunities that best fit their personal needs and goals.

    ESF students have hundreds of education abroad programs to choose from! Programs vary in length from one week up to a full academic year and are located all over the world, so there is something for everyone! Start to browse programs below, and please reach out to oie@esf.edu with any questions or to start planning your experience abroad.

    Programs Program Details ESF Short-Term Programs Travel abroad with an ESF faculty member and your classmates! Most short-term courses are between one to three weeks in length and take place over spring or summer break. ESF Exchange Programs Spend a semester or summer abroad with one of ESF's university partners. ESF Partner Study Abroad Study abroad for a winter, summer, or semester with one of ESF's recommended study abroad providers, any other SUNY institution or through another study abroad program provider. Many of these programs are immersive or field-based opportunities. Short-term, summer, and semester programs are all available!   Quick Tips

    Before researching programs, think about your goals for education abroad. What type of experience are you hoping to have and what are you most interested in learning? What type of opportunities do you have limited access to in Syracuse and how might you gain those abroad? Use these questions to help guide you to better understand what it is you want out of your international experience and how you might be able to find a program that fits those criteria.

    In addition to thinking about what is important to you, take some time to recognize what is not important to you. When choosing a education abroad program, it can be easier to find a "perfect" match if you understand what you are willing to compromise. Are financials the most the important piece to you? Specific classes for your major? Perhaps a research course in a specific field? Rank the things that are most important to you so they can help you find that "perfect" opportunity.

    You never know where you might find recommendations, advice or input. Ask your classmates, professors, advisors, parents, guardians, coaches, etc. You never know what you might discover. Don't forget to visit OIE as well – they serve as the repository for all of the different opportunities in front of you and can help guide you when you're not sure where to even start.


     


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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