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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The Association of Private Enterprise Education is Decadent and Depraved: 2012

Hunter S. Thompson, Miami Book Fair International, 1988 (Photo credit: Wikipedia)

This past weekend was the annual Association of Private Enterprise Education (APEE) Conference, which meets in Las Vegas in alternate years. Scholars across disciplines presented research, held roundtable discussions of books new and old, and hosted panel discussions on subjects of interest. In plenary sessions, Robert Levy discussed Supreme Court decisions that expanded the reach of the state, Lawrence White talked about his forthcoming book The Clash of Economic Ideas, and Peter Leeson discussed his in-progress book Anarchy Unbound. I (and others) tweeted observations at the hashtag #APEE. A good time was had by all. Here are a few observations and thoughts on the 2012 edition of APEE, held at Harrah’s.

I spoke as part of three panels and moderated another session. In the first panel, I gave an abbreviated version of a talk I’ve titled “Why Not Socialism?” that will appear as a working paper sometime soon. In the second panel, I discussed Gordon Lloyd and Nicholas Capaldi’s edited voume The Two Narratives of Political Economy, which I recently reviewed for Conversations on Philanthropy. The third panel I was on was called “The Best of The Freeman,” and I discussed my article with Steven Horwitz in which they summarized Thomas C. Leonard’s research on the eugenic origins of Progressive Era reforms like minimum wages and child labor laws.

In one of the first sessions of the conference, I was part of a panel that included Bradley Thompson, James Otteson, Peter Boettke, and an overflow crowd. Professors Thompson and Boettke made powerful cases against the notion that Marxism is a benign (or benevolent) social ideal that was handled poorly. Professor Thompson defended the thesis that “Marxism’s moral ideal is repulsive,” noting that Maoism and Stalinism were not corruptions of Marx’s doctrine but implications of it. Professor Boettke and his co-author asked whether Marxism was good for anything and answered “absolutely nothing.” In this session, I discussed Mises and Hayek’s critiques of socialism. While I didn’t spend much time discussing Marx, here’s an article on Marx I wrote a few years ago.

The plenary sessions were especially informative. Robert Levy discussed some of the seemingly-inexplicable Supreme Court decisions that have allowed the state to expand its grasp, Lawrence White discussed changing ideas about political economy and how they mattered for economic performance, and Peter Leeson discussed his research on anarchy.

Leeson’s talk was especially interesting for people interested in global development issues. Leeson’s work suggests that statelessness is not only feasible but almost certainly better than the governments that rule some African countries. He focused some of his attention on Somalia, which performs better in the absence of a state than many of its neighbors that actually have governments. Given that governance of the quality they enjoy in the United States is probably not an option for many African countries, attempting to build state capacity in developing countries could very well be a fool’s errand. Here is more from Leeson and others in a Cato Unbound symposium on anarchy.

The sessions I attended were extremely interesting and informative. In a session on “Industrial Change and Organization,” I learned from Andres Marroquin and Grete Pasch about the history (and future) of privately-provided library services. I learned from Brian O’Roark and Clair A. Smith about social norms in the open-source programming community. I learned from Clemson University graduate student Anna Chorniy and her advisor Michael T. Maloney about drug pricing.

I also learned from L. Dwayne Barney and Paul A. Cleveland about the insanity of the NCAA cartel. In particular, Barney and Cleveland are exploring how complex regulations emerge and how organizations tend to get unwieldy. Apparently, it is permissible for institutions to provide student-athletes with bagels between meals, but there is a serious discussion going on within the NCAA about whether cream cheese counts as an “extra benefit.” I’m not sure whether there are rules on the kinds of bagels that can be provided as an everything bagel is clearly superior to a plain bagel, but I’m sure professors Barney and Cleveland will have an answer when their paper is finished.

In another session, Edward Lopez, Douglas Rasmussen, and David Henderson discussed the economics of “security” with applications to the Transportation Security Administration and other regulatory agencies (here, via Twitter, are a few things I’ve written on the TSA). Professor Lopez pointed out that some 75% of Americans think the TSA is effective when there is considerable evidence to the contrary.

David Henderson questioned the assumption that the government actually provides security and pointed out how prescription drugs are more expensive and harder to get because of FDA efficacy requirements. For those who might think this is acceptable in the name of “safety,” Henderson cited estimates from the economist Daniel Klein suggesting that there are some 50,000 preventable deaths every year because of FDA-related delays in drug approval. Professor Henderson also pointed out how Social Security also makes us less secure because there is such a low probability that the government will make good on its promises. Finally, Professor Henderson--who teaches at the Naval Postgraduate School in Monterey, California--discussed how war and foreign interventions actually make us less safe by turning people against us and by destabilizing the areas where they intervene. In short, a lot of the things that are done in the name of keeping us free and safe actually make us less free and less safe.

Finally, I attended a roundtable session discussing Robert Higgs’s Against Leviathan. Professor Higgs was unable to attend, but panel chair Peter Boettke and panelists Edward Stringham, Sanford Ikeda, and Christopher J. Coyne provided us with a very useful summary of Higgs’s contributions to a general criticism of the idea that government is necessary.

I also came out ahead, but not by gambling. There’s a Starbucks in the lobby at Harrah’s, and I noticed that at various times the line was really long. There’s also another Starbucks just around the corner and up the escalator from the first Starbucks. And there was basically no line. I earned a whopping ninety-seven cents by buying two cups of coffee at the upstairs Starbucks for $7.03 and then selling them at the downstairs Starbucks for $8. I used some of my ninety-seven cents in new wealth to mail postcards to my kids.

In addition to a series of panels on a variety of issues, the conference featured its second annual (?) undergraduate research poster competition. Students from across the country brought their A-Games to the poster session. Four of their students from Rhodes competed, and Rhodes student Ian Engdahl won second prize.

APEE has always been a great conference. This year’s edition was no exception. Every year, APEE assembles a small army of bright, energetic scholars who are working hard to advance the cause of a free and prosperous society. In this light, it’s hard not to be a little optimistic about the future they can create for their children.

In the past, I've posted my APEE write-ups (with the same title) at Division of Labour (here, here, and here). If you don't know where the title comes from, it comes from this. Also, I'd like to say "thanks" to the anonymous angel who gave me two postage stamps at the airport in Las Vegas when the newsstand didn't have any. If you're memorizing this, thank you. I'll pay it forward at my earliest opportunity.

Enterprise Program

What Is an Enterprise?

Michigan Tech Enterprises are student-run business teams embracing rich experiences in engineering design, team building, project management, and end-to-end original product development. Enterprise teams work under the direction of a faculty advisor. Visit the Enterprise website to learn more and see all MTU Enterprise teams. Learn how to register for CS Enterprise programs.

Husky Games Enterprise

Husky Game Development

Who says you can’t work and play? Husky Game Development designs and develops games for business, education, and fun.  Earn credit, gain experience, and build your resume, all while creating quality software that will attract and satisfy industry sponsors. The HGD Enterprise is advised by Computer Science faculty member Scott Kuhl.

HIDE Enterprise

Humane Interface Design Enterprise (HIDE)

Humane Interface Design Enterprise (HIDE) gives students an opportunity to design, develop and evaluate interfaces to make daily work more efficient and easier to manage. The HIDE Enterprise is advised by Computer Science faculty member Robert Pastel.

IT Oxygen Enterprise

IT Oxygen Enterprise

IT Oxygen provides Information Technology help for both student organizations and businesses. Composed of students from numerous majors, the members of IT Oxygen work on real projects for real companies that foster skills in development, problem solving, and business. The IT Oxygen Enterprise is advised by Enterprise program director Nagesh Hatti.

How Does Enterprise Credit Work?

Students in the College of Computing can join any Enterprise on campus. You can take Enterprise multiple times at the courses levels that correspond to your class as freshman, sophomore, junior, and senior. For instance, ENT 1960 is first year level, ENT 2950 is sophomore level, ENT 3950 is junior level, and the 4000 level ENT courses are for seniors.

  • ENT 2950, ENT 2960, ENT 3950, ENT 3960, ENT 4900, and ENT 4910 can count as technical electives.ENT 1960 and ENT 4961 do not count as technical electives or for Senior Design credit, but can count as free electives in your degree.
  • If you are majoring in Software Engineering (SSEN), you can replace CS 4791 and CS 4792 Senior Design with ENT 3950, ENT 3960, ENT 4950 and ENT 4960. When used for Senior Design, they cannot double count for technical electives in your degree.
  • If you are majoring in Computer Science with a concentration in Software Engineering (SCS5), you can replace CS 4791 Senior Design with ENT 3950 or 3960, and ENT 4950. When used for Senior Design, they cannot double count for technical electives in your degree.
  • Husky Games Videos

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    Barron's in Education

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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