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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LA mayor says city reaching out to city's homeless population in riverbed areas ahead of Hilary

Los Angeles Mayor Karen Bass said the city has already begun outreach to the city's homeless population as Tropical Storm Hilary approaches the city, including many who live on tents near riverbeds.

"Outreach started a couple of days ago," Bass said during an appearance on CBS "Face the Nation" Sunday. "We have hundreds of people on their river beds, and every time they have a rain event, helicopters drive by as well as hundreds of outreach workers go by in advance to tell them to seek shelter."

According to a report from KTLA, workers with the Los Angeles Homeless Service Authority began outreach to the homeless population in riverbed areas on Thursday, starting with locations within flood control areas through the San Gabriel River Watershed, L.A. River, Sepulveda Basin and Hansen Dam.

HILARY WEAKENS TO TROPICAL STORM, BUT CALIFORNIA STILL FACES DANGER AMID STATE OF EMERGENCY

Los Angeles Mayor Karen Bass. (Reuters)

LAHSA said that 50 people had already been moved from the Santa Fe Dam area to safer locations, while additional teams are being activated throughout the weekend to help move more people who are in areas prone to flooding. The teams have also been working with the Red Cross and city and county officials to explore using facilities such as parks, gymnasiums, and hotels as emergency storm shelters.

Bass told CBS that the city has shelters available for homeless residents.

"We do have shelters open," Bass said.

But Bass also noted that the city and county combined have a homeless population of nearly 70,000, most of whom live in tents outside.

Homeless encampment on San Vicente near La Cienega, in the Beverly Grove neighborhood, (Fox 11 Los Angeles)

HURRICANE HILARY: STATE OF EMERGENCY DECLARED IN CALIFORNIA AS MILLIONS BRACE FOR LIFE-THREATENING FLOODING

Pressed on what she's doing to tackle the city's homeless problem, Bass said that she declared a state of emergency on her first day in office that has helped move 14,000 people.

"You are talking about a tremendous amount of people," Bass said. "We did declare a state of emergency on my first day in office and in my first six months, they housed 14,000 people. But it just shows you the magnitude of the problem."

In anticipation of Hurricane Hilary, residents fill sandbags at Wildwood Park, Saturday, Aug. 19, 2023, in San Bernardino,  (Watchara Phomicinda/The Orange County Register via AP)

Hilary was downgraded to a tropical storm on Sunday as it continued its path toward the coast of Mexico. From there, the storm is expected to move into Southern California and bring "catastrophic and life-threatening flooding," according to the National Weather Service.

CLICK HERE TO GET THE FOX NEWS APP

"We continue to be very concerned for the potential for life-threatening flash flooding, potentially catastrophic impacts," National Hurricane Center Director Dr. Michael Brennan said Sunday. 

Michael Lee is a writer at Fox News. Follow him on Twitter @UAMichaelLee


Riverbed Announces Americas Partner of the Year Awards

Riverbed honors partners for their strategic role and outstanding business achievement

SAN FRANCISCO, August 16, 2023--(BUSINESS WIRE)--Riverbed, the leader in unified observability, today announced the Americas region Partner of the Year Awards. The awards recognize partner companies for their work in helping mutual customers unify data, insights, and actions across IT to deliver a seamless digital experience and enterprise performance, and for providing fast and secure acceleration of applications and networks, to users anywhere. In total, Riverbed honored eight partner companies for their achievements across various categories.

LinkedIn: Riverbed announces Americas Partner of the Year Award winners: https://rvbd.ly/3QtfWvE

The Riverbed Americas Partner of the Year Award winners included: Trace3, World Wide Technology, Arrow / immixGroup, Inc., RavenTek, ePlus, Teneo, Swish Data and G-Net Solutions Inc. The full list of award winners and categories are below.

"We are thrilled to honor their leading Americas partners for their achievements over the past year. The Riverbed Partner Awards celebrate the strategic role of partners in their business and their mutual success with end customers," said Alex Thurber, Senior Vice President, Global Partners and Alliances, at Riverbed. "Our partners deliver innovative enterprise solutions that leverage Riverbed’s Alluvio Unified Observability and Acceleration portfolios to provide customers with an exceptional digital experience and improved organizational performance."

The Riverbed Americas Partner Awards recognized partners whose achievements impact business on a strategic and regional basis. Partners were nominated and reviewed by a panel representing Riverbed’s sales and executive leadership. The Riverbed Americas Partner of the Year Award Winners announced are:

Innovation Partner of the Year Award Winner: Trace3

Partner of the Year Award Winner: World Wide Technology

Story continues

Distributor of the Year Award Winner: Arrow / immixGroup, Inc.

Public Sector Partner of the Year: RavenTek

Marketing Partner of the Year Award Winner: ePlus

Riverbed Champion of the Year Award Winner – Commercial: Teneo

Riverbed Champion of the Year Award Winner – Public Sector: Swish Data

Alluvio Champion of the Year Award Winner: G-Net Solutions Inc.

Riverbed’s partner ecosystem includes the world’s leading solution providers, distributors, system integrators, service providers, and technology alliances. Riverbed allows partners to advance customer trust, cultivate customer relationships, and expand business opportunities by helping organizations create seamless digital experiences and deliver fast, agile, secure acceleration of any app over any network. The Company’s partner program offers lucrative incentives and strong enablement support through sales and marketing assistance, training, certification, technical support, and its online partner portal.

For more information on the Riverbed Partner Program, please visit https://www.riverbed.com/riverbed-partner-program/

About Riverbed

Riverbed is the only company with the collective richness of telemetry from network to app to end user, that illuminates and then accelerates every interaction, so organizations can deliver a seamless digital experience and drive enterprise performance. Riverbed offers two industry-leading portfolios: Alluvio by Riverbed, a differentiated Unified Observability portfolio that unifies data, insights, and actions across IT, so customers can deliver seamless, secure digital experiences; and Riverbed Acceleration, providing fast, agile, secure acceleration of any app, over any network, to users anywhere. Together with their thousands of partners, and market-leading customers globally – including 95% of the FORTUNE 100 – they empower every click, every digital experience. Riverbed. Empower the Experience. Learn more at riverbed.com

Riverbed, Alluvio and certain other terms used herein are trademarks of Riverbed Technology LLC. All other trademarks used herein belong to their respective owners.

Connect with Riverbed

View source version on businesswire.com: https://www.businesswire.com/news/home/20230816674258/en/

Contacts

Esther BurciagaRiverbed Technologyesther.burciaga@riverbed.com


 




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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