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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VMware Cloud Foundation Gets Security Breakthrough At RSA

‘There must be a new approach to cybersecurity – one that is built-in, unified and context-centric,” says VMware’s Chief Operating Officer Sanjay Poonen.


VMware’s popular VMware Cloud Foundation is receiving a major shot in the arm with new security capabilities from Carbon Black and NSX as the virtualization star continues its march to make security intrinsic in all its products.

At RSA 2020 conference on Tuesday, VMware unveiled that VMware Advanced Security for Cloud Foundation – which is the basis for offers such as VMware Cloud on AWS and VMware Cloud on Dell EMC – will inject Carbon Black’s workload protection Real-time Workload Audit/Remediation technology as well as its Next-Generation Antivirus (NGAV) and Endpoint Detection & Response (EDR) solutions.

Additionally, VMware’s NSX Advanced Load Balancer with Web Application Firewall capabilities and NSX Distributed IDS/IPS can be added to VMware Cloud Foundation deployments. The NSX and Carbon Black technology will integrate with VMware vSphere.

[Related: VMware Licensing VP: CPU Pricing Change Has ‘Zero Impact’]

For more than a year, VMware has had its sights set on disrupting the security industry by tightly integrating security into every product, a strategy it dubs as intrinsic security.

Sanjay Poonen, chief operating officer, customer operations for VMware, said there has never been a more challenging time in security.

“Attacker sophistication, security threats, breaches, and exploits are becoming more prevalent with no end in sight. And with cloud, new applications, pervasive mobility, IoT, and data at the edge, the problem is only getting harder to solve. There must be a new approach to cybersecurity – one that is built-in, unified and context-centric,” Poonen said in a statement. “We believe the best strategy and approach is to make security intrinsic enabling organizations to leverage their infrastructure and its unique capabilities across any app, any cloud and any device to better secure the world’s digital infrastructure – from networks, to endpoints, to workloads, to identities, to clouds.”

VMware Carbon Black will be tightly integrated with VMware vSphere to create an agentless solution which eliminates the need to insert antivirus and other agents. VMware says endpoint telemetry will be managed and gathered via built-in sensors protected by the hypervisor.

Adding the scale-out software architecture of NSX Web Application Firewall to VMware Cloud Foundation will help confirm that web servers have enough compute capacity for maximum security filtering even under peak loads. VMware’s web application firewalls leverages its understanding of application, automated learning and app-specific rules to provide strong security with lower false positives.

Adding NSX Distributed IDS/IPS to Cloud Foundation environments will provide intrusion detection on many difference services to offer deeper visibility as well as enable advanced filtering to be applied to every hop of the application to reduce any blind spots.

In an interview with CRN last year, VMware CEO Pat Gelsinger said VMware has the ability to take the security market by storm.

“We have two assets that nobody else on the planet has. They have the VM. We’re building this intrinsically into the VM. A lot of problem with a lot of security today is they end up being agents that you add into the guest environment. If you’re an attacker, the first thing you do is turn off the agents. Right? Those techniques of turning off the agents or spoofing the agents, there’s probably 100 free kits you can obtain to do that. The VM can’t be turned off. This sits as a capability inside of the VM,” said Genslinger.

“[Then] with their NSX, I now have an enforcer point, where you can see the network traffic and see all of it from an application-centric [point of view]. So the VM is handing traffic into NSX and then to the microsegments -- there’s nothing else sitting in-between that. You don’t have to hairpin to some remote firewall or some other service. You have that explicit point right at connectivity into the networking layer that either gives you visibility of all traffic coming in or enforcement of traffic going out,” said Gelsinger. “Those are two very powerful points that they don’t think anybody else is anywhere close to us in being able to do those two things for very fundamental, technical and market-based reasons.”

VMware made a huge splash in the security market in October with the acquisition of endpoint security leader Carbon Black for a value of $2.1 billion.

In addition to the new security features on VMware Cloud Foundation announced at the RSA 2020 conference, the Palo Alto, Calif.-based company launched new capabilities for the VMware Carbon Black Cloud.

VMware introduced automated correlation with MITRE ATT&CK framework Technique IDs -- a which is a list of common tactics, techniques, and procedures -- built into the VMware Carbon Black Cloud, allowing customers to discover potential threats and identify areas of improvements. Additionally, VMware Carbon Black will be adding malware prevention capabilities for Linux machines to enable customers to migrate away from other endpoint prevention solutions specific to Linux.

The RSA 2020 conference in San Francisco runs Feb. 24-28.

Malware Fighter Pro from IObit software uses Two Anti-Virus Engines – Did you know?

In this quick post, I wanted to supply it a try to the IObit Malware Fighter software. I have to warn you a bit here, because when I have installed the Free version, it also installs two other software without my consent. (not very nice indeed). It also installs iTop VPN and iTop Screen Recorder. I do hope this happens ONLY with the free version. Anyway, two clicks and it's uninstalled if you don't need those. The reason I downloaded the product is that I wanted to have a look at their software and I know that IObit has many more products (Advanced system care etc…) you could be interested in. But let's start and delve into the product.

More and more Malware is around. That's a fact. Perhaps it is high time to get good anti-malware software. Let's see if the one from IObit is the one that stands up. Malware today, it's not only some bad guy's software running on your system. You need anti-phishing protection as those phishing attacks are more and more frequent and sophisticated. Ransomware is on the rise not only within the enterprise section, but touches SMBs, and individuals too.

Malware Fighter Pro is an award-winning antivirus software that protects your PC from various online threats, such as viruses, ransomware, spyware, trojans, adware, and worms. Malware Fighter Pro uses two antivirus engines, its own and Bitdefender, to detect and remove malware with high accuracy and speed. It also has a large anti-malware database that can detect over 200 million malware.

The software has multiple layers of protection for your PC and your privacy. It has a ransomware protection feature that prevents your files from being encrypted by hackers. It also has a privacy protection feature that allows you to lock your sensitive data with a password and block unauthorized access. Moreover, it has a webcam security feature that prevents intruders from using your webcam without your permission.

Malware Fighter Pro also enhances your browsing experience by keeping you away from phishing websites, malicious ads, and tracking cookies12. It also has a browser password guard feature that encrypts and protects your local browser password data from leaks. Malware Fighter Pro is easy to use and compatible with all versions of Windows OS. It has a user-friendly interface and a smart scan mode that can scan your PC in a few minutes. It also has a behavior guard feature that warns you of potential threats or suspicious activities in advance.

According to the official website of IObit Malware Fighter Pro, it uses two antivirus engines, its own and Bitdefender, to achieve a higher level of malware detection and removal. The IObit engine can detect and remove common malware, while the Bitdefender engine can handle more advanced and sophisticated threats. By combining these two engines, Malware Fighter Pro can provide comprehensive and reliable protection for your PC.

The free version enables you to have basic protection where not all areas of protection are active. Screenshot from the lab below.

You need to buy the Pro version to enable the Anti-ransomware engine, Bitdefender engine, MBR guard, USB disk guard, Behavior guard or browser password guard.

However, some experts advise against using more than one antivirus program on the same computer, as this can cause conflicts, performance issues, and false alerts. I don't think it is the case as the integration with Bitdefender is done internally so you don't need to run Bitdefender software and at the same time IObit software.

On the Toolbox menu, you can enable a Safe Box which can block access to some files/folders on your system. Also, you can see that a VPN system comes as an optional offer.

The menu on the left hand side has several sections. One of them is scan section.


You can initiate a Smart scan, Full Scan, or custom scan. Options that might be useful when suspecting that your system has a problem. You can drag and drop file onto the window and do a custom scan or execute full scan with a delete/clean action with shutdown at the end of the scan.

Example of custom scan with System Critical Areas and Suspicious processes…..

Browser protect

This menu is again, show what's protected and what's not. You can add Surfing protection or Anti-Tracking, within the pro version. Anonymous Online option is the iTOP VPN protection they have talked about in the beginning of the article. It's there.  If you don't have or use other VPN… why not? It's integrated somehow in the product where by clicking the link you get to the page with the offer and install it on your system.

Looks solid.

Overall, the software looks like destined for nonexperienced users who need to be carried by hand. It's simple to use and navigate through.

The IOBit Malware Fighter Pro has been here for a very long time. The first release was out back in 2010 so the product has a good background with a lot of experience under the belt. They cannot test the effectiveness of removals or detections, but it seems like a solid product that has its place here.

Take a look here – Malware Fighter Pro

Can I recommend using it? For sure I can. Except for the “forced install” the Malware Fighter is a good piece of software, but it's not alone within the security space. It's just one of them, with long experience in the field.

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DapuStor Achieves VMware IOVP Certification for PCIe4.0 Solid State Drives

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Warum sind Cyberrisiken so schwer greifbar?

Als mehr oder weniger neuartiges Phänomen stellen Cyberrisiken Unternehmen und Versicherer vor besondere Herausforderungen. Nicht nur die neuen Schadenszenarien sind abstrakter oder noch nicht bekannt. Häufig sind immaterielle Werte durch Cyberrisiken in Gefahr. Diese wertvollen Vermögensgegenstände sind schwer bewertbar.

Obwohl die Gefahr durchaus wahrgenommen wird, unterschätzen viele Firmen ihr eigenes Risiko. Dies liegt unter anderem auch an den Veröffentlichungen zu Cyberrisiken. In der Presse finden sich unzählige Berichte von Cyberattacken auf namhafte und große Unternehmen. Den Weg in die Presse finden eben nur die spektakulären Fälle. Die dort genannten Schadenszenarien werden dann für das eigene Unternehmen als unrealistisch eingestuft. Die für die KMU nicht minder gefährlichen Cyber­attacken werden nur selten publiziert.

Aufgrund der fehlenden öffentlichen Meldungen von Sicherheitsvorfällen an Sicherheitsbehörden und wegen der fehlenden Presseberichte fällt es schwer, Fakten und Zahlen zur Risikolage zu erheben. Aber ohne diese Grundlage fällt es schwer, in entsprechende Sicherheitsmaßnahmen zu investieren.

Erklärungsleitfaden anhand eines Ursache-Wirkungs-Modells

Häufig nähert man sich dem Thema Cyberrisiko anlass- oder eventbezogen, also wenn sich neue Schaden­szenarien wie die weltweite WannaCry-Attacke entwickeln. Häufig wird auch akteursgebunden beleuchtet, wer Angreifer oder Opfer sein kann. Dadurch begrenzt man sich bei dem Thema häufig zu sehr nur auf die Cyberkriminalität. Um dem Thema Cyberrisiko jedoch gerecht zu werden, müssen auch weitere Ursachen hinzugezogen werden.

Mit einer Kategorisierung kann das Thema ganzheitlich und nachvollziehbar strukturiert werden. Ebenso hilft eine solche Kategorisierung dabei, eine Abgrenzung vorzunehmen, für welche Gefahren Versicherungsschutz über eine etwaige Cyberversicherung besteht und für welche nicht.

Die Ursachen sind dabei die Risiken, während finanzielle bzw. nicht finanzielle Verluste die Wirkungen sind. Cyberrisiken werden demnach in zwei Hauptursachen eingeteilt. Auf der einen Seite sind die nicht kriminellen Ursachen und auf der anderen Seite die kriminellen Ursachen zu nennen. Beide Ursachen können dabei in drei Untergruppen unterteilt werden.

Nicht kriminelle Ursachen

Höhere Gewalt

Häufig hat man bei dem Thema Cyberrisiko nur die kriminellen Ursachen vor Augen. Aber auch höhere Gewalt kann zu einem empfindlichen Datenverlust führen oder zumindest die Verfügbarkeit von Daten einschränken, indem Rechenzentren durch Naturkatastrophen wie beispielsweise Überschwemmungen oder Erdbeben zerstört werden. Ebenso sind Stromausfälle denkbar.

Menschliches Versagen/Fehlverhalten

Als Cyberrisiken sind auch unbeabsichtigtes und menschliches Fehlverhalten denkbar. Hierunter könnte das versehentliche Veröffentlichen von sensiblen Informationen fallen. Möglich sind eine falsche Adressierung, Wahl einer falschen Faxnummer oder das Hochladen sensibler Daten auf einen öffentlichen Bereich der Homepage.

Technisches Versagen

Auch Hardwaredefekte können zu einem herben Datenverlust führen. Neben einem Überhitzen von Rechnern sind Kurzschlüsse in Systemtechnik oder sogenannte Headcrashes von Festplatten denkbare Szenarien.

Kriminelle Ursachen


Hackerangriffe oder Cyberattacken sind in der Regel die Szenarien, die die Presse dominieren. Häufig wird von spektakulären Datendiebstählen auf große Firmen oder von weltweiten Angriffen mit sogenannten Kryptotrojanern berichtet. Opfer kann am Ende aber jeder werden. Ziele, Methoden und auch das Interesse sind vielfältig. Neben dem finanziellen Interesse können Hackerangriffe auch zur Spionage oder Sabotage eingesetzt werden. Mögliche Hackermethoden sind unter anderem: Social Engineering, Trojaner, DoS-Attacken oder Viren.

Physischer Angriff

Die Zielsetzung eines physischen Angriffs ist ähnlich dem eines Hacker­angriffs. Dabei wird nicht auf die Tools eines Hackerangriffs zurückgegriffen, sondern durch das physische Eindringen in Unternehmensgebäude das Ziel erreicht. Häufig sind es Mitarbeiter, die vertrauliche Informationen stehlen, da sie bereits den notwendigen Zugang zu den Daten besitzen.


Obwohl die Erpressung aufgrund der eingesetzten Methoden auch als Hacker­angriff gewertet werden könnte, ergibt eine Differenzierung Sinn. Erpressungsfälle durch Kryptotrojaner sind eines der häufigsten Schadenszenarien für kleinere und mittelständische Unternehmen. Außerdem sind auch Erpressungsfälle denkbar, bei denen sensible Daten gestohlen wurden und ein Lösegeld gefordert wird, damit sie nicht veröffentlicht oder weiterverkauft werden.

Ihre Cyberversicherung sollte zumindet folgende Schäden abdecken:


  • Soforthilfe und Forensik-Kosten (Kosten der Ursachenermittlung, Benachrichtigungskosten und Callcenter-Leistung)
  • Krisenkommunikation / PR-Maßnahmen
  • Systemverbesserungen nach einer Cyber-Attacke
  • Aufwendungen vor Eintritt des Versicherungsfalls

Cyber-Drittschäden (Haftpflicht):

  • Befriedigung oder Abwehr von Ansprüchen Dritter
  • Rechtswidrige elektronische Kommunikation
  • Ansprüche der E-Payment-Serviceprovider
  • Vertragsstrafe wegen der Verletzung von Geheimhaltungspflichten und Datenschutzvereinbarungen
  • Vertragliche Schadenersatzansprüche
  • Vertragliche Haftpflicht bei Datenverarbeitung durch Dritte
  • Rechtsverteidigungskosten


  • Betriebsunterbrechung
  • Betriebsunterbrechung durch Ausfall von Dienstleister (optional)
  • Mehrkosten
  • Wiederherstellung von Daten (auch Entfernen der Schadsoftware)
  • Cyber-Diebstahl: elektronischer Zahlungsverkehr, fehlerhafter Versand von Waren, Telefon-Mehrkosten/erhöhte Nutzungsentgelte
  • Cyber-Erpressung
  • Entschädigung mit Strafcharakter/Bußgeld
  • Ersatz-IT-Hardware
  • Cyber-Betrug