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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Microsoft 98-367 : Security Fundamentals exam Dumps

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Exam Number : 98-367
Exam Name : Security Fundamentals
Vendor Name : Microsoft
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98-367 exam Format | 98-367 Course Contents | 98-367 Course Outline | 98-367 exam Syllabus | 98-367 exam Objectives

Exam Title : Microsoft Technology Associate (MTA) - Security Fundamentals
Exam ID : 98-367
Exam Duration : 45 mins
Questions in exam : 40-60
Passing Score : 700 / 1000
Official Training : 40032A: Networking and Security Fundamentals: Training two-pack for MTA Exams 98-366 and 98-367 (five days)
40367A: Security Fundamentals: MTA exam 98-367 (three days)
Exam Center : Pearson VUE
Real Questions : Microsoft Security Fundamentals Real Questions
VCE practice exam : Microsoft 98-367 Certification VCE Practice Test

This exam validates that a candidate has fundamental security knowledge and skills. It can serve as a stepping stone to the Microsoft Certified Solutions Associate (MCSA) exams. It is recommended that candidates become familiar with the concepts and the technologies described here by taking relevant training courses. Candidates are expected to have some hands-on experience with Windows Server, Windows-based networking, Active Directory, anti-malware products, firewalls, network topologies and devices, and network ports.

Understand security layers (25–30%)
Understand core security principles
Confidentiality; integrity; availability; how threat and risk impact principles; principle of least privilege; social engineering; attack surface analysis; threat modelling
Understand physical security
Site security; computer security; removable devices and drives; access control; mobile device security; keyloggers
Understand Internet security
Browser security settings; secure websites
Understand wireless security
Advantages and disadvantages of specific security types; keys; service set identifiers (SSIDs); MAC filters
Preparation resources

Windows Server 2008 in an organization's defense in depth strategy
Secure Windows Server
Using Windows Server 2008: Controlling communication with the Internet

Understand operating system security (35-40%)

Understand user authentication
Multifactor authentication; physical and virtual smart cards; Remote Authentication Dial-In User Service (RADIUS); biometrics; use Run As to perform administrative tasks
Understand permissions
File system permissions; share permissions; registry; Active Directory; enable or disable inheritance; behavior when moving or copying files within the same disk or on another disk; multiple groups with different permissions; basic permissions and advanced permissions; take ownership; delegation; inheritance
Understand password policies
Password complexity; account lockout; password length; password history; time between password changes; enforce by using Group Policies; common attack methods; password reset procedures; protect domain user account passwords
Understand audit policies
Types of auditing; what can be audited; enable auditing; what to audit for specific purposes; where to save audit information; how to secure audit information
Understand encryption
Encrypting file system (EFS); how EFS-encrypted folders impact moving/copying files; BitLocker (To Go); TPM; software-based encryption; MAIL encryption and signing and other uses; virtual private network (VPN); public key/private key; encryption algorithms; certificate properties; certificate services; PKI/certificate services infrastructure; token devices; lock down devices to run only trusted applications
Understand malware
Buffer overflow; viruses, polymorphic viruses; worms; Trojan horses; spyware; ransomware; adware; rootkits; backdoors; zero day attacks
Preparation resources

Windows authentication
Password policy
Audit policies

Understand network security (20–25%)
Understand dedicated firewalls
Types of hardware firewalls and their characteristics; when to use a hardware firewall instead of a software firewall; stateful versus stateless firewall inspection; Security Compliance Manager; security baselines
Understand network isolation
Routing; honeypot; perimeter networks; network address translation (NAT); VPN; IPsec; server and domain isolation
Understand protocol security
Protocol spoofing; IPsec; tunneling; DNSsec; network sniffing; denial-of-service (DoS) attacks; common attack methods
Preparation resources

Windows Firewall
Network Access Protection

Understand security software (15–20%)
Understand client protection
Antivirus; protect against unwanted software installations; User Account Control (UAC); keep client operating system and software updated; encrypt offline folders, software restriction policies; principle of least privilege
Understand email protection
Antispam, antivirus, spoofing, phishing, and pharming; client versus server protection; Sender Policy Framework (SPF) records; PTR records
Understand server protection
Separation of services; hardening; keep server updated; secure dynamic Domain Name System (DNS) updates; disable unsecure authentication protocols; Read-Only Domain Controllers (RODC)
Preparation resources

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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