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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Google’s new feature removes personal information from search results

Are you tired of your personal information being available on search engines? Let’s be honest. Who isn’t? Well, now Google is updating its privacy tool to make it more powerful and easier than ever to remove your personal information from their search engine.  

Google's 'Results about You' tool was rolled out last year. Google says it's been working hard to make things better since it first launched its software.  

It launched with the intention of allowing people to request the removal of personal information that pops up during Google searches. Personal information can include a phone number, email address, physical address or even unwanted images.   

Now, it is not possible to block your name on Google, or any other search engine such as Bing or Yahoo. However, you can request the removal of Google search results that divulge your personal information. 


It's easier than ever to get your personal information removed from Google results. (CyberGuy.com)

Easily remove your personal information from Google  

The biggest change is that now you can find your information on Google without going through the hassle of searching for it yourself.  

You simply enter your information, and the dashboard will compile a list of sites that contain any matches. You can then submit a request to have the information removed pronto after reviewing these pages. On Google’s hub, you can view the status of all the requests you have made. 

Stay up-to-date with Google’s new push notifications for personal information 

Another addition is you can now receive push notifications that alert you when new results of your information pop up on Google. This makes it much easier for you as you don’t have to constantly reenter your information in the dashboard to check for matches.  

These notifications will tell how many search results on the internet show your personal information. You can then take action on this information and request that the details be taken off the internet.

Expanded removal guidelines 


Google’s policies around the "results about you" feature have also shifted slightly. The removal guidelines used to only focus on information that was posted without consent. Now, they have been expanded, and personal info that you posted intentionally but later wanted to be removed is eligible for removal.  

Commercialized information does not fall under this category. However, there are some search results Google will not be able to remove, so be aware not all your requests will be successful. Google also will never take action against any results from governments or educational institutions.  

New parental control feature & SafeSearch's photo blurring 

There are also new, easier-to-find parental control features and the addition of SafeSearch’s photo blurring, which will blur out potentially explicit images. If you are worried about your family being exposed to inappropriate content, you can now preemptively censor certain things.  

How to request Google to remove your personal information without an account 


Here's the best part. You don’t even need a Google account to get rid of your own info. There’s a new form you can use all on its own to make your request. Once you send it off, Google will shoot you an email so you can keep tabs on how things are going. You’ll know if they supply the green light to remove your info. If you do decide to log in, you can also see the progress on the dashboard. 

How to access Google’s ‘Results about you’ dashboard with an account  

Currently, this feature in Google’s "Results about you" dashboard is only available for usage in the U.S. via the Google app or Google site. Here's how to access it: 

Access through the Google App 
  • Click on the Google App.
  • Tap on your profile picture in the top-right corner.
  • Then scroll down and select ‘Results about you’ from the menu. Familiarize yourself with the steps you need to take to remove your personal info on Google.
  • Then at the top of the page, search your name or whatever other information you want to be removed.

  • Click on three dots next to the search result in which you want to be removed.
  • Select Remove result on the top of the page and then select whichever reason you have for removing the result.
  • Enter the details asked so Google can see whether your request matches with the result, then select Continue at the bottom.
  • Finally, click Send request.
  • Google will contact you when it's checked your request, letting you know whether it has been approved or denied. You can also view your current requests by checking your "results about you" dashboard.
  • Access through Google's site 

    You can click on the link here. You can follow these steps to submit a request to remove any of your information from the web: 

  • Go to Google Search .
  • Search your name or whatever other information you want to be removed.
  • Click on three dots next to the search result in you want to be removed.
  • Google's new feature to remove personal information from search results (CyberGuy.com)


  • Select Remove result on the top of the page and then select whichever reason you have for removing the result.
  • Here's how to request getting your personal information off Google. (CyberGuy.com)

  • Enter the details asked so Google can see whether your request matches with the result, then select Continue at the bottom.
  • Fill in the details to inform Google of the issue. (CyberGuy.com)

  • Finally, click Send request.
  • Here's the final step to filling out the Google request. (CyberGuy.com)

  • Google will contact you when it's checked your request, letting you know whether it has been approved or denied. You can also view your current requests by checking your "results about you" dashboard.

    Invest in removal services 

    In addition to Google's "Results about you" tool, I recommend you invest in a removal service to get your personal information off the hundreds of people search sites out there. While no service promises to remove all your data from the internet, having a removal service is great if you want to constantly monitor and automate the process of removing your information from hundreds of sites continuously over a longer period of time.

    See my tips and best picks for removing yourself from the internet by going to CyberGuy.com/Delete

    Kurt’s key takeaways

    It is great to see Google making an effort to increase the safety of its search experience. While removal was possible before, it certainly was not easy.

    This is an improved update to their 'Results about You' tool along with the new alerts warning you of your information appearing on the web. It is important to remember that just because your information has been removed from Google, it doesn’t mean all of your information is removed from other parts of the web.

    Why do you think Google is making this move to make internet safety more accessible? And do you see this as the start of a potential trend with other engines and sites? Let us know by writing us at CyberGuy.com/Contact 

    For more of my security alerts, subscribe to my free CyberGuy Report Newsletter by heading to CyberGuy.com/Newsletter

    Copyright 2023 CyberGuy.com. All rights reserved.

    Kurt "CyberGuy" Knutsson is an award-winning tech journalist who has a deep love of technology, gear and gadgets that make life better with his contributions for Fox News & FOX Business beginning mornings on "FOX & Friends." Got a tech question? Get Kurt’s CyberGuy Newsletter, share your voice, a story idea or comment at CyberGuy.com.

    Root Causes of Hunger

    Many factors lead to hunger in America. A simplistic explanation focused only on household income or the availability of federal nutrition programs misses major contributing factors.

    For example, the Supplemental Nutrition Assistance Program (SNAP, formerly known as Food Stamps) has been shown to reduce hunger, but it does not succeed in eliminating it altogether for every participant.40 Furthermore, hunger occurs in 25.5% of households with incomes below 130% of the poverty line that did apply for and receive SNAP benefits for 12 months, but occurs in only 10% of households at the same income level that did not receive SNAP benefits at all during that period. Clearly, hunger has causes other than income alone, and therefore, food assistance alone will not eliminate hunger. 

    U.S. households experience hunger because of limited income due to a variety of factors, including low or underemployment, family instability, low educational attainment, exposure to violence, a history of racial or ethnic discrimination, personal choices, or a combination of these. These factors can play a large role in hunger and cannot be addressed solely through the public nutrition assistance programs or through charitable giving. Understanding the root causes of hunger is essential in order to eliminate hunger.

    "[People put] energy into collecting data and building infrastructure to distribute food boxes and run soup kitchens, creating ways to get kids to want to come eat some of the meals in the parks and close by—that's a lot of work. It's a lot of planning. It' a lot of organizing and it's great intelligence. Yet, doing so does not assist anyone out of poverty, and/or increase their accessibility to be part of mainstream community. It keeps us in line waiting for the box."– Dee Clarke, Founder, Survivor Speak (Maine)

    Labor Market Forces and Job Availability  The number of households experiencing hunger is sensitive to economic forces. 

    The 2007–2009 economic downturn, the Great Recession, led to significant unemployment, which in turn led to an increase in hunger. The number of unemployed workers more than doubled, from 7.1 million in 2007 to 14.3 million in 2009. Hunger levels also jumped sharply during that period. Six years after the official end of the recession, hunger rates shamefully remain at historically high levels, with particularly high rates among single parent households with young children, households of persons with disabilities, and the households of racial and ethnic minorities. 

    Our nation’s economy has struggled with significant structural shifts that have occurred over the last 60 years. Manufacturing jobs have declined, partly due to deindustrialization and automation, while the service sector is growing and producing more jobs. Globalization has contributed to more widespread offshoring and outsourcing, particularly of manufacturing jobs, but also of some types of service jobs, such as those in call centers. These trends have contributed to fewer well-paying job opportunities for those without a postsecondary education.

    Globalization: changes promoting the open flow of goods and services among countries.

    Offshoring: moving jobs from the United States to other countries where labor is cheaper. 

    Workers with a high school education or below are more likely to hold jobs that pay low wages, and are part-time, unstable, or seasonal. Oftentimes these types of jobs offer few opportunities for career advancement, and may not offer important supports such as sick leave or family leave. Such jobs are also associated with major income instability or sharp income fluctuations. These are the kinds of conditions that can cause a household to experience hunger.

    "We hear every day loud and clear from all areas of the state that people can’t support their families. They can’t get food because they can’t find decent jobs. The forest industry, the fishing industry, canning, textile, manufacturing are all in distress. Giant Mills: Empty. A major naval air station: Closed. Mill towns: have struggling economies. They hear about the problem of people living isolated from job centers in a state with virtually no public transportation, or the lack of affordable housing (if people do move to the few job centers)."– Donna Yellen, Chief Program Officer, Preble Street (Maine)

    Family Structure

    Marriage has a significant impact on whether or not a household will experience hunger: Households with an unmarried head of household are more likely to face hunger than other households in America. 

    The hunger rate for households headed by a single mother (12.8%, or 1.3 million households) is four times the rate for households headed by a married couple (3.2%, or 804,000 households). For households headed by a single father, the rate (7.0%, or 228,000 households) is more than twice the rate of households headed by people who are married.

    Today, 40% of children in the United States are born to unmarried parents. These pregnancies are mostly unplanned: 69% of pregnancies among unmarried couples are unintended, compared to 35% of pregnancies among married couples. Children growing up in single parent households are more likely to miss out on fundamental opportunities for their social and emotional development, and are less likely than children in two parent families to do well in school or graduate high school.50 Having children too early in life, struggling to create a safe and stable household environment, and having multiple children outside of marriage compounds this problem.* 

    *It is important to note here that children can be raised in single-parent households for reasons other than parents choosing not to marry, such as divorce or death of a parent.

    Households with one wage-earner typically have lower incomes. In addition, women earned about 81% of the median earnings of their male counterparts in 2012.52 Women with children under 18 also earned less than both women and men without children and men with children.53 Understanding that many factors affect the labor market and play a role in these data, these wage disparities compound the problem facing single earner households, especially those headed by women. The poverty rate among children in households headed by a married couple is 6.2% (3.7 million households), compared to 15.7% of households headed by a single father (970,000 households), and 30.6% of households headed by single mother (4.8 million households).

    "Basically, what it comes down to, being food insecure, you have to go through a lot of resources. It is really aggravating because basically I’m doing what I’m supposed to do as a parent, right? But when there’s no husband or boyfriend or any other kind of support, everything falls on me."– Denise Speed, Marbury Plaza Resident, Anacostia (Washington, DC)


    U.S. high school graduation rates have improved, with the national graduation rate exceeding 80% in 2012 for the first time in U.S. history; however, economic, racial, cultural, and ethnic differences remain. 

    The graduation rate for low-income students in 2014 was below 80% in 41 states. Some of the most important predictors of high school graduation are studying level at third grade, family poverty, family structure, and concentrated poverty at the neighborhood level.

    The relationship between hunger and high school graduation operates in both directions: graduation rates are lower among those experiencing hunger, and hunger, in turn, has been linked to special education and grade repetition, both important predictors of high school dropout rates. Hunger is also related to lower educational attainment: in 46% of households with hunger among children, the adults did not have an education beyond high school. Hunger among children is present in 2.9% of households in which the adults did not complete high school, 1.3% of those with adults having only a high school education or GED, and 0.4% of households having an adult with a college degree or more.

    Exposure to Violence

    Research over the last 10 years has found that victims of violence, neglect, or abuse as a child or violence as an adult, are more likely to report hunger.

    For example, hunger rates among women who, as children, experienced physical, emotional, or sexual abuse or household dysfunction (domestic violence, parent in jail) are 12 times as high as rates among women who did not.60 Hunger is also more frequently reported by women who recently experienced domestic violence. In some studies, women who report experiencing post-traumatic stress disorder are more likely to report household food insecurity.

    Historical Context

    There are significant racial, ethnic, and gender disparities between households that report hunger and those that do not. 

    For example, the hunger rate among African American households is 10.4% (1.6 million households); for Hispanic households, it is 6.9% (1.1 million households); whereas for white households, that rate is 4.5% (3.8 million households). Among American Indians, data are not available for hunger rates, but the broader food insecurity rate is nearly twice that of the general U.S. population. These racial and ethnic disparities have been consistent since the USDA began measuring food insecurity in 1995. These disparities may be attributable to a persistent combination of political, social, and economic factors—including residual racial and ethnic discrimination—that affect access to jobs, opportunities for home ownership, high-quality education, and affordable healthy food.

    We must acknowledge this historical context if they are to Boost the nutrition, health, well-being, and security of all Americans, regardless of race or ethnicity. 

    "These disparities are wreaking havoc on their communities and their country and they need a sort of holistic response to the economic disparity and the food insecurity that you all are focusing on. Dr. King said in a letter from the Birmingham jail, We're caught in an inescapable network of mutuality tied in a single garment of destiny. Whatever affects one directly affects all indirectly.” This problem isn't a problem for people of color. This is everybody’s problem."– George Jones, CEO, Bread for the City (Washington, DC)

    Personal Responsibility

    Although they feel that their nation would make progress in reducing hunger if they made gains in each of the factors above, they also acknowledge one other key ingredient—the actions of individuals. 

    Personal agency, personal responsibility, and individuals making good choices play an important role in the extent to which Americans are hungry, and any discussion of how to reduce hunger that omits these factors is incomplete. 

    Individuals make many life choices that can affect financial circumstances and hunger: choices about staying in or dropping out of high school, choices about getting a job or not, and choices about having or delaying children.

    While it is true that enhancing the health and cognitive and emotional wellbeing of Americans by reducing hunger would produce greater opportunities for individuals, they must always recognize the importance of individual decision-making. As Ron Haskins, Senior Fellow at the Brookings Institution, contends, “changes in personal behavior…would have an enormous impact on poverty and opportunity.

    Host an Oxfam Hunger Banquet®

    Since 1974, they have been working with volunteers to create awareness of hunger and inequality. Oxfam Hunger Banquets supply you the opportunity to make a difference, both locally and globally. They are volunteer-led interactive events that bring statistics about poverty to life. Guests randomly select tickets matching real people who are high-, middle-, or low-income earners, demonstrating that where you end up is all in the luck of the draw.


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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