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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Exam Number : ACCP
Exam Name : Aruba Certified Clearpass Professional v6.2 (HPE6-A68)
Vendor Name : Aruba
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ACCP test Format | ACCP Course Contents | ACCP Course Outline | ACCP test Syllabus | ACCP test Objectives


Exam ID : ACCP (HPE6-A68)

Exam Title : Aruba Certified Clearpass Professional v6.2

Exam type : Proctored

Exam duration : 1 hour 10 minutes

Exam length : 62 questions

Passing score : 75%

Delivery languages : English



The Aruba Certified ClearPass Professional (ACCP) certification validates that you can design and integrate networks that use ClearPass products. This certification validates your ability to configure ClearPass for policy and guest management, posture, profiling, onboarding.



This certification verifies that you are able to:

• Scope ClearPass licensing requirements

• Configure ClearPass services, enforcement policies and enforcement profiles

• Integrate external servers with ClearPass products

• Monitor & Troubleshoot using the Access Tracker, Logging and Policy simulation

• Configure the Insight reporting tool, ClearPass Guest, MAC Caching, Posture, device profiling and onboarding

• Setup admin operations using TACACS+ with ClearPass

• Design & configure multiple-server ClearPass deployments including redundancy



Percentage of Exam Sections/Objectives

5% Intro to ClearPass

25% ClearPass for AAA

6% External Authentication

23% Guest

17% Onboard

6% Endpoint Analysis

8% Posture

5% Operations and Admin Users

5% Clustering and Redundancy



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Day 2 training camp standouts

The New York Giants hit the practice field again on Thursday morning for the second practice of training camp. It was another eventful day of practice with the offense and defense going back and forth during team drills.

Top Standouts from Day 2 of New York Giants Training Camp

After the offense lit up the scoreboard on the first day of camp, the defense fought back on Thursday. A number of defensive backs found themselves getting their hands on the football in both team drills and one-on-ones.

Xavier McKinney makes a spectacular interception

Daniel Jones committed his first turnover of training camp on Thursday. Jones overthrew TE Darren Waller over the middle of the field and Xavier McKinney capitalized on the error by making a diving interception.

Defensive backs making plays

Not only did McKinney make a highlight-reel interception, but rookie CBs Tre Hawkins III and Deonte Banks and veteran CB Darnay Holmes made some solid plays in coverage during one-on-ones. Holmes managed to break up a pass intended for WR Cole Beasley. Banks also got his hands on the football, batting down a pass intended for Isaiah Hodgins with tight coverage. Hawkins snagged himself an interception while covering fellow rookie Bryce Ford-Wheaton in the end zone during one-on-ones:

The tight ends cannot be stopped

Darren Waller has been a dominant force through two days of Giants training camp. After snagging three touchdowns during day one of camp, Waller repeated his success on day two. He made four receptions in the first six plays of team drills before the coaches took him off the field. Maybe Waller needed a breather, or maybe the Giants wanted someone else to get a chance to catch the ball.

I’m not sure who can cover a healthy Darren Waller, but so far it’s nobody on the Giants defense.

Ralph Vacchiano of Fox Sports via Twitter during Day 2 of Giants training camp

In addition to Waller continuing to dominate at Giants practice, TE Daniel Bellinger also made some plays on Thursday. He was “catching everything” at practice and, according to Patricia Traina of Sports Illustrated, Bellinger looks quicker as well than he did last season.

Injury updates:

WR Darius Slayton “came up lame looking at his left foot or ankle” after getting tripped up on a deep pass during 7-on-7 drills, according to Pat Leonard of the NY Daily News. He got his foot taped up and later returned to the field to participate in 11-on-11 drills, indicating the injury is minor.

WR David Sills V also got banged up on the final play of practice. He collided with CB Rodarius Williams and let his frustration with the cornerback be known, per Dan Duggan of The Athletic.

The Giants’ training camp practice schedule

After two successful days to kick off training camp, the Giants will be back on the field tomorrow morning before taking a day off this Saturday. Head coach Brian Daboll said the team will put the pads on for Tuesday’s practice.

Per the team’s website, the Giants’ training camp schedule is as follows:

Friday, July 28 – 5:00 PM

Sunday, July 30 – 10:00 AM (Back Together Weekend)

Monday, July 31 – 10:00 AM

Tuesday, Aug. 1 – 5:00 PM

Thursday, Aug. 3 – 10:00 AM

Friday, Aug. 4 – 10:00 AM

Saturday, Aug. 5 – 5:00 PM


 




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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