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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Globle answer today – here’s the answer and hints for August 22

Globle is yet another variant on everyone’s favourite word game. The similarities are brief, with Globle offering a geography-based puzzle, with a new solution to take on each day. Those who wish to play need only start by guessing any country. The game will then tell you how close you’ve gotten, allowing you to narrow down the options.

Even if you’re a geography pro, guessing the Globle answer each day can be a real challenge. This is why we’ve included some hints in this page to help jog your brain towards the right answer. If you’d rather just know the solution, they have that too.

As each puzzle releases, we’ll be sure to keep this page updated with the correct answer and hints. We’ll also give you some tips on the best countries to start with, and how to play the game. Let’s get guessing!

Globle hint for today (August 23)

To help get you closer to today’s Globle answer, we’ve included some hints below. We’ll start off fairly vague, before giving bigger clues.

  • Country is in Europe
  • The capital is Vienna
  • Name starts with ‘A’
  • Globle answer for today (August 23)

    Today’s Globle answer is Austria. This is the answer for August 23, with a new puzzle coming tomorrow. Stay tuned for more fun with geography!

    Globle answer archive

    We’ll be keeping some past Globle answers in the archive list below. Check them out to narrow down your guesses.

  • Iraq
  • Antigua and Barbuda
  • Ukraine
  • Singapore
  • Maldives
  • Costa Rica
  • Sweden
  • Cyprus
  • Japan
  • Saudi Arabia
  • Denmark
  • Cambodia
  • Eritrea
  • Lebanon
  • Armenia
  • United States of America
  • Democratic Republic of the Congo
  • Indonesia
  • Bolivia
  • Central African Republic
  • Bahrain
  • Chad
  • Cuba
  • Zimbabwe
  • Kenya
  • Tajikistan
  • Uganda
  • Suriname
  • Ghana
  • Dominican Republic
  • Micronesia
  • Malawi
  • Mali
  • St. Lucia
  • Pakistan
  • Yemen
  • Argentina
  • Tunisia
  • Namibia
  • Cameroon
  • Nicaragua
  • Japan
  • Vatican
  • Rwanda
  • Bangladesh
  • Finland
  • Myanmar
  • Nicaragua
  • Dominica
  • Italy
  • Tajikistan
  • Fiji
  • St. Kitts & Nevis
  • Taiwan
  • North Korea
  • Nigeria
  • Vanuatu
  • Timor-Leste
  • Cameroon
  • Madagascar
  • Hounduras
  • Chile
  • Barbados
  • Grenada
  • Slovakia
  • Andorra
  • Democratic Republic of the Congo
  • Palau
  • Jordan
  • Papua New Guinea
  • Zambia
  • Kenya
  • Oman
  • Turkey
  • Germany
  • Bhutan
  • Albania
  • Vanuatu
  • Tanzania
  • Liechtenstein
  • Latvia
  • Central African Republic
  • Guatemala
  • Guinea-Bissau
  • St. Kitts and Nevis
  • China
  • Lithuania
  • Slovakia
  • Pakistan
  • Nepal
  • Kiribati
  • Malaysia
  • Belarus
  • Laos
  • Benin
  • Honduras
  • New Zealand
  • Monaco
  • Morocco
  • Belgium
  • Switzerland
  • Myanmar
  • Papua New Guinea
  • Singapore
  • Malawi
  • Estonia
  • Liberia
  • El Salvador
  • Ghana
  • Antigua and Barbuda
  • India
  • Tajikistan
  • Hungary
  • Zimbabwe
  • Jordan
  • Iceland
  • Indonesia
  • Palestine
  • Spain
  • Nigeria
  • Cuba
  • Fiji
  • San Marino
  • North Korea
  • United Arab Emirates
  • Italy
  • Rwanda
  • Venezuela
  • Singapore
  • Kenya
  • Estonia
  • Guinea
  • Kuwait
  • Togo
  • Dominica
  • Cyprus
  • Kazakhstan
  • Romania
  • Botswana
  • Turkmenistan
  • Japan
  • Nauru
  • Ukraine
  • Türkiye
  • Senegal
  • Uganda
  • Australia
  • Bahrain
  • South Korea
  • Luxembourg
  • Iraq
  • Burundi
  • Panama
  • Malta
  • Somalia
  • Germany
  • Sierra Leone
  • Kuwait
  • Burkina Faso
  • Dominica
  • United Kingdom
  • Uzbekistan
  • Tunisia
  • Saudi Arabia
  • Moldova
  • Taiwan
  • Bhutan
  • Kosovo
  • Mali
  • Bosnia and Herzegovina
  • Gambia
  • Guyana
  • Cambodia
  • Austria
  • Eswatini
  • Belize
  • South Sudan
  • Czechia
  • Zambia
  • Chad
  • Niger
  • St. Lucia
  • Argentina
  • Uzbekistan
  • Saudi Arabia
  • Portugal
  • The Bahamas
  • Democratic Republic of the Congo
  • Azerbaijan
  • Serbia
  • Montenegro
  • Equatorial Guinea
  • Suriname
  • Vietnam
  • Eritrea
  • Mozambique
  • Mexico
  • São Tomé and Prícipe
  • Ethiopia
  • Russia
  • Greece
  • Dominican Republic
  • Gabon
  • Barbados
  • Peru
  • Oman
  • Denmark
  • Qatar
  • Paraguay
  • Bahamas
  • Marshall Islands
  • Democratic Republic of the Congo
  • Albania
  • Côto d’lvoire
  • Afghanistan
  • Mauritania
  • Micronesia
  • France
  • Finland
  • Djibouti
  • Algeria
  • Canada
  • Comoros
  • Lebanon
  • Mongolia
  • Ireland
  • Haiti
  • Cameroon
  • St. Vincent and the Grenadines
  • Bolivia
  • Netherlands
  • Armenia
  • Slovenia
  • Colombia
  • Sri Lanka
  • Seychelles
  • Congo
  • North Macedonia
  • Côte d’lvoire
  • Andorra
  • Mauritania
  • Solomon Islands
  • Syria
  • Sweden
  • Sudan
  • Brunei
  • United States of America
  • Mauritius
  • Israel
  • Cabo Verde
  • Grenadines
  • Nicaragua
  • Bolivia
  • São Tomé and Prícipe
  • Saudi Arabia
  • Egypt
  • San Marino
  • Algeria
  • Yemen
  • Oman
  • Iran
  • Syria
  • Kenya
  • Slovakia
  • Equatorial Guinea
  • Malawi
  • Monaco
  • Côte d’lvoire
  • Norway
  • Luxembourg
  • Singapore
  • China
  • Bhutan
  • Eswatini
  • Burkin Faso
  • Zambia
  • Nauru
  • Belarus
  • Sweden
  • Sri Lanka
  • Suriname
  • Zimbabwe
  • Burundi
  • Dominican Republic
  • Cuba
  • Vatican
  • Switzerland
  • Tunisia
  • Austria
  • Morocco
  • Kyrgyzstan
  • Cameroon
  • Palestine
  • Paraguay
  • Belgium
  • Netherlands
  • Costa Rica
  • Guinea-Bissau
  • Chad
  • Djibouti
  • Jordan
  • Vanuatu
  • Lebanon
  • Philippines
  • Senegal
  • Guatemala
  • Namibia
  • Uganda
  • Dominica
  • Uzbekistan
  • Montenegro
  • Poland
  • Greece
  • Kyrgyzstan
  • Oman
  • Turkey
  • Botswana
  • Ecuador
  • Thailand
  • San Marino
  • Republic Of Serbia
  • Belarus
  • Moldova
  • Kiribati
  • Somalia
  • Haiti
  • eSwatini
  • Niger
  • Chile
  • Iraq
  • Vanuatu
  • Togo
  • Turkmenistan
  • Guine-Bissau
  • Seychelles
  • Bahrain
  • Vietnam
  • Iceland
  • Paraguay
  • Germany
  • Fiji
  • Angola
  • São Tomé and Prícipe
  • Ukraine
  • Central African Republic
  • Suriname
  • Tuvalu
  • United Kingdom
  • Antigua and Barbuda
  • Jamaica
  • Nauru
  • Malaysia
  • Chad
  • Liechtenstein
  • Brunei
  • Lithuania
  • Czechia
  • Belgium
  • Slovakia
  • Tonga
  • Hungary
  • Qatar
  • Kyrgyzstan
  • Oman
  • Turkey
  • Botswana
  • Ecuador
  • Thailand
  • San Marino
  • Serbia
  • Ukraine
  • Central African Republic
  • Albania
  • France
  • El Salvador
  • Panama
  • Papua New Guinea
  • Turkmenistan
  • Eritrea
  • Guinea-Bissau
  • Costa Rica
  • Jamaica
  • Finland
  • Guinea
  • Somoa
  • Tanzania
  • Benin
  • Trinidad and Tobago
  • New Zealand
  • Venezuela
  • Israel
  • Equatorial Guinea
  • Vanuatu
  • Gabon
  • Uganda
  • Zambia
  • Liberia
  • Kuwait
  • St. Vincent and the Grenadines
  • Thailand
  • San Marino
  • Spain
  • Guyana
  • Andorra
  • Slovenia
  • Honduras
  • Lithuania
  • Azerbaijan
  • Belgium
  • Denmark
  • Russia
  • Namibia
  • Burkina Faso
  • Sierra Leone
  • Suriname
  • Cabo Verde (Cape Verde)
  • Vatican City
  • Madagascar
  • Gambia (or The Gambia)
  • Croatia
  • Taiwan
  • Seychelles
  • Marshall Islands
  • Vietnam
  • The Bahamas
  • Libya
  • Peru
  • Tajikistan
  • Norway
  • Guatemala
  • Montenegro
  • Sri Lanka
  • Japan
  • Australia
  • Saudi Arabia
  • Nigeria
  • Oman
  • Botswana
  • Monaco
  • How to play Globle

    To play Globle, start with guessing any country. You’ll then get a colour match for that country. The deeper the colour, the closer you are. After a couple of guesses you will slowly be able to narrow down the answer. A good tip is to pick larger countries that share borders with other countries. You can clear large sections of the map this way.

    That’s all you need to know about today’s Globle puzzle. For more puzzle-based goodness, check out hints for Wordle and Framed. Elsewhere they have an article on 10 games to look forward to in 2022.


    Today's Wordle hints and answer — solution #794, Tuesday, August 22

    Today's Wordle answer is a tricky little number. According to the New York Times' WordleBot, the average player completes Wordle #795 in 5.1 moves in easy mode, or 5.0 if playing by hard rules.

    Each day, they will update this article with Wordle hints and tips to help you find today's answer. And if the hints aren't enough, we'll even give you the answer, in case you're really stuck or just haven't had time to complete today's puzzle. Plus, they are also including an analysis of yesterday's puzzle, #794, in case you're memorizing this in a different time zone.

    So be warned: spoilers lie ahead for game #795. Only read on if you want to know today's Wordle answer!

    Today's Wordle answer — hints to help you solve it

    Our first tip is that you should use one of the best Wordle start words for every game you play. But if you want some more specific clues to today's Wordle answer, then here you go:

  • It contains one of the five vowels.*
  • There are two repeated letters.
  • One of those repeated characters is amongst the five least common Wordle letters.
  • * By vowel, they mean A, E, I, O, U. There are other letters that are sometimes considered to be vowels, depending on how they are used. 

    Those hints should get you at least some of the way towards finding today's Wordle answer. If not, then you can read on for bigger clues; or, if you just want to know the answer, then skip down further for that.

    Alright then, here's a larger hint: Today's Wordle answer brings plenty of enthusiasm.

    What does today's Wordle start with?

    The answer to Wordle #795 starts with V, so combined with the hints above you should now have all the clues you need to get the answer and not break a Wordle streak. 

    OK, it's now time to scroll down for the answer…

    Get better at Wordle!

    Today's Wordle answer

    The game Wordle displayed on two smartphones

    (Image credit: Shutterstock)

    So, what is today's Wordle answer for game #795?

    Drumroll, please — it's VERVE.

    Hello Wordlers. A very tricky puzzle today. Not only are words with two sets of double letters always a bit sneaky, but the problem is magnified when a rare letter is involved. And 'V' is extremely unusual — the fifth least common letter in the game, found in only 152 answers.

    Still, 'E' and 'R' are extremely common and both were sniffed out by my choice of start word: ORATE. It turned the former yellow and the latter green, leaving 32 possible answers according to WordleBot.

    Given none of the best Wordle start words contain 'V' or a double letter, very little was going to beat that. The guesses that did managed it by getting two green letters rather than one, like CARTE (22 possible answers) and TERNS (17). After a lot of scrolling, I found PARSE left 16, but that was as good as I could see. 

    Wordle #795

    (Image credit: Alan Martin)

    My next guess is not what I'd call a particuarly good one, but after a period of seeing nothing, I was pleased to see anything. 

    I typed RHYME, wondering if 'Y' would turn yellow. But it didn't, and all I really managed to do was rule out 'R' in a second position. That reduced the number of possible answers to 20*.

    Finally, I thought of a word with a couple of common letters I hadn't tried: SPIRE. Unfortunately, neither 'S' nor 'I' went yellow, but the 'R' remained so. Still, that meant that I knew through the process of elimination that it had to sit in third position, and there were now just four possible answers.

    Could it be CURVE? Nope. But that did reveal that the word ended 'RVE' which certainly limited the possibilities. 

    I could only see one answer: VERVE. I typed it in, winning the game in five turns. Though WordleBot points out it could equally have been NERVE. Lucky escape.

    Hopefully you got a score to be proud of today, Wordlers. See you tomorrow.

    * These were: SERVE, SURGE, SCREE, CURVE, NERVE, VERGE, VERVE, CURSE, NURSE, VERSE, PURGE, PUREE, EERIE, DIRGE, GENRE, LUCRE, PURSE, SPREE, SPIRE and INURE.

    Yesterday's Wordle answer

    Reading this in a later time zone? The Wordle answer for game #794 was SPICE.

    Hello Worlders. Kicking myself for taking five turns on today's Wordle, given four of the letters feature in the ten most common in the game. Still, it's one of those answers where a number of possible letters can fit when your three core ones have turned green.

    I began with my new favorite start word: ORATE. Although it features all five of the most common letters in the game, today it was too clever by half, revealing just a green 'E'.

    That left exactly 100 answers, according to WordleBot, which isn't awful but could have been so much better. SLATE leaves 36 possible answers, while PLATE knocks this down to 18. If you played TRIPE this morning, just five answers would remain.

    I wanted to test the next most popular letters next, and that list includes 'L', 'I', 'S', 'N' and 'C'. 

    SLIME seemed like a pretty good way of getting three of these in while keeping 'E' in position, so I went for it and to my delight both 'S' and 'I' went green. That reduced the number of possible answers to just nine*.

    Wordle #794

    (Image credit: Alan Martin)

    Immediately, I thought it was going to be either SWIPE or SNIPE. So I was left somewhat surprised when typing in the latter turned the 'P' yellow, as I hadn't considered any of the three options beginning 'SP'.

    Playing SNIPE actually actually ruled out one of those, as it could no longer be SPINE. But that still left two possibilities, and I picked the wrong one when I typed SPIKE instead of SPICE.

    That was silly on my part, given I previously said that 'C' was one of the ten most common letters in the game, but there they are. Lesson learned on my way to a five-turn win with SPICE.

    Hopefully you played better than me today, Wordlers. See you tomorrow. 

    * The list of nine possible answers in full: SPICE, SPIKE, SHINE, SWINE, SPINE, SEIZE, SWIPE, SNIDE and SNIPE.

    Previous Wordle answers

    If you're looking for a list of older Wordle answers, they can also help. Here's a list going back 20 games.

  • Wordle #794: SPICE
  • Wordle #793: BEACH
  • Wordle #792: QUEST
  • Wordle #791: MAGMA
  • Wordle #790: EXACT
  • Wordle #789: AMISS
  • Wordle #788: SCRUB
  • Wordle #787: INDEX
  • Wordle #786: SNAKY
  • Wordle #785: WRATH
  • Wordle #784: QUICK
  • Wordle #783: HELLO
  • Wordle #782: EMPTY
  • Wordle #781: LOVER
  • Wordle #780: BULLY
  • Wordle #779: BROOK
  • Wordle #778: POLYP
  • Wordle #777: ANODE
  • Wordle #776: CHART
  • Wordle #775: PARTY
  • Wordle tips — how to win at Wordle

    The best tip I can give is to use one of the best Wordle start words. I can't stress this enough — it makes a massive difference.

    Without one, you'll be scrabbling around in the dark trying (and possibly failing) to find the right five letters (or possibly fewer) out of the 26 possibles. But clever people (not me) have done the math and identified the best start words based on both frequency in English and frequency among Wordle answers. So use them! 

    Secondly, think about combinations, especially at the start and end. Some options are far more common than others — for instance, SH, ST, CR and CH all feature frequently. 

    Vowels obviously need consideration too: not all Wordle answers will contain more than one, but plenty do, and some even have three. A good Wordle start word should have used a couple, but if they don't feature you might well want to try another one or two on your next go. Plus, remember the Y — this sometimes acts as a surrogate vowel, and is easy to forget. It also appears at the end of plenty of words.

    Finally, try out possibilities. So long as you don't press 'Enter' you can try possible answers to see how they look on screen. Put in likely letters plus any you know are definitely in the word, then mentally change one to the other available options. This technique has worked for me multiple times, and it's particularly helpful when the word in question is not an obvious one (like FJORD or ISLET). 

    But if you're still struggling with Wordle, check out how Tom's Guide's Wordle experts have honed their strategy after playing every Wordle so far and losing only once.

    We also have plenty of Wordle tips and tricks to share, like how we've analyzed every Wordle answer used to look for trends and have some further advice for you there. And if you're new to the game you should also take a look at their What is Wordle? guide.

    What else should I know about Wordle?

    Wordle officially launched in October 2021, but actually started in June of that year and celebrated its first birthday on June 19, 2022. (You can read my thoughts on the 5 things Wordle needs to Excellerate if it's to keep us playing for its third year.)

    However, it only grew in popularity towards the end of the year, then went viral in January as the world woke up to its charms. In fact, it proved so successful that The New York Times bought Wordle for a seven-figure sum in early February and the game is now part of NYT Games.

    It's played via the NYT Games website here, and is entirely free. Both the NYT and the game's creator, Josh Wardle, have stated that it will remain free. Some people think that Wordle has got harder since the NYT takeover, but it really hasn't.

    Wordle is a simple game in which your challenge is to guess a five-letter word in six attempts. Each time you guess, you're told which of your chosen letters are in the target word, and whether they are in the right place. 

    If a letter is in the correct place, it turns green. If it's in the word but in the wrong place, it turns yellow. And if it's not in the word at all, it turns gray.

    There's just one puzzle a day, and everyone completes the same one. It resets at midnight each day. You'll find more information about the game in their What is Wordle? article.

    Wordle Alternatives

    If you're eager for another game to pass the time while you wait, we've put together a list of the best Wordle alternatives.

    Other Wordle alternatives to try are the ultra-stressful (but very good) Squabble and the soccer-themed, Who Are Ya?. They also like the geography-based Wordle clone Worldle, the Star Wars-themed SWordle and the math-based Mathler.

    There are certainly plenty of options once you've finished Wordle for the day!

    Today's best TomsGuide deals of the day deals


    Today's Wordle hint and answer #792: Sunday, August 20

    Inject some fresh thinking into your daily Wordle with their helpful hints and tips, or just click on down to the August 20 (792) answer and win today's Wordle in an instant. Honestly, so long as you're having a good time, it doesn't matter how you win.

    Today's Wordle was an enjoyable head-scratcher, every new line another puzzling but sure step towards the answer, complete with a genuine "a-ha" moment as the right word finally crossed my mind. I'd like another day along these lines, I had fun. 

    Today's Wordle hint

    (Image credit: Josh Wardle) A Wordle hint for Sunday, August 20

    The hero of a gritty cyberpunk game can expect to be sent on a mission, whereas a fantasy character would probably be given a _____. More widely today's answer refers to some sort of difficult journey or long search for something. There are two vowels hidden in here. 

    Get better at Wordle!

    Is there a double letter in today's Wordle? 

    No, you won't find any double letters in today's puzzle.  

    Wordle help: 3 tips for beating Wordle every day 

    Anyone can pick up and play Wordle, but if you want to do it well and make all of your guesses count, these quick tips will help get you started on your Wordle winning streak: 

  • Choose an opener with a balanced mix of unique vowels and consonants. 
  • The answer may contain the same letter, multiple times.
  • Try not to use guesses that contain letters you've already eliminated. 
  • Thankfully, there's no time limit beyond ensuring it's done by midnight. So there's no reason not to treat the game like a casual newspaper crossword and come back to it later if you're coming up blank. Sometimes stepping away for a while means you can come back with a fresh perspective. 

    Today's Wordle answer

    (Image credit: Future) What is the #792 Wordle answer?

    One win, just for you. The answer to the August 20 (792) Wordle is QUEST.

    Previous Wordle answers The last 10 Wordle answers 

    Past Wordle answers can give you some excellent ideas for fun starting words that keep your daily puzzle-solving fresh. They are also a good way to eliminate guesses for today's Wordle, as the answer is unlikely to be repeated. 

    Here are some exact Wordle solutions:

  • August 19: MAGMA
  • August 18: EXACT
  • August 17: AMISS
  • August 16: SCRUB
  • August 15: INDEX
  • August 14: SNAKY
  • August 13: WRATH
  • August 12: QUICK
  • August 11: HELLO
  • August 10: EMPTY
  • Learn more about Wordle 

    (Image credit: Nurphoto via Getty)

    Wordle gives you six rows of five boxes each day, and you'll need to work out which secret five-letter word is hiding inside them to keep up your winning streak.

    You should start with a strong word like ARISE, or any other word that contains a good mix of common consonants and multiple vowels. You'll also want to avoid starting words with repeating letters, as you're wasting the chance to potentially eliminate or confirm an extra letter. Once you hit Enter, you'll see which ones you've got right or wrong. If a box turns ⬛️, it means that letter isn't in the secret word at all. 🟨 means the letter is in the word, but not in that position. 🟩 means you've got the right letter in the right spot.

    You'll want your next guess to compliment the first, using another "good" word to cover any common letters you might have missed last time while also trying to avoid any letter you now know for a fact isn't present in today's answer. After that, it's simply a case of using what you've learned to narrow your guesses down to the correct word. You have six tries in total and can only use real words and don't forget letters can repeat too (eg: BOOKS).

    If you need any further advice feel free to check out their Wordle tips, and if you'd like to find out which words have already been used you can scroll to the relevant section above. 

    Originally, Wordle was dreamed up by software engineer Josh Wardle, as a surprise for his partner who loves word games. From there it spread to his family, and finally got released to the public. The word puzzle game has since inspired tons of games like Wordle, refocusing the daily gimmick around music or math or geography. It wasn't long before Wordle became so popular it was sold to the New York Times for seven figures. Surely it's only a matter of time before they all solely communicate in tricolor boxes. 


     




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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