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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Atlassian Center education

 

Resources from the Center for Educational Outreach

We provide in-person and web-based education and resources for teachers, students, and the general public—all designed to Improve science teaching and learning, while promoting science skills and literacy, and general understanding of clinical and basic biomedical research.

The Center for Educational Outreach (the Center) in the Department of Education, Innovation, and Technology was established in 1996 to Improve biomedical, basic science, and health education across the K–16 continuum and to increase opportunities for underrepresented populations to access careers in medicine, science, and the health professions. 

Today, the Center provides in-person and web-based education and resources for teachers, students, and the public to advance science teaching and learning, promote science skills and science literacy, and Improve general understanding of clinical and basic biomedical research. Through partnerships with museums, school districts, colleges, and universities, and through its own independently run programs, the Center addresses a broad range of needs across the educational continuum. In part through these efforts, Baylor is recognized as a leader among U.S. medical schools for its contributions to informal and precollege science and health education, and for its commitment to program evaluation and research on best practices for science and health education.

Our History

In 1972, a joint venture between Baylor College of Medicine and the Houston Independent School District (HISD) led to the creation of the nation’s first standalone health professions high school: Houston’s High School for Health Professions. From the start, the school made local and national headlines, and in 1982, the Division of School-Based and Minority Student Programs was established within Baylor’s Center for Allied Health Professions to coordinate activities with HISD at the High School for Health Professions. The new division quickly expanded upon its original charge by attracting extramural funding to create summer minority undergraduate programs and magnet health professions high schools in South Texas, and to build upon the college’s long-standing commitment to science teacher professional development. By 1996, the division’s growth, and its success in helping the college address community problems associated with educational and career access issues, led then-Baylor president William Butler, MD, to establish an academic program known as the Center for Educational Outreach. 

The enduring success of the partnership between BCM and the High School for Health Professions—renamed the Michael E. DeBakey High School for Health Professions in 1996 as a tribute to pioneering surgeon and educator Michael E. DeBakey, MD, who frequently met with and inspired the school’s students—has inspired the formation of other medical school–high school partnerships; broadened the efforts of BCM and the Center to Improve biomedical, basic science, and health education across the K–16 continuum; and increased opportunities for students to participate in health sciences education and practice.

Learn more about the Center for Educational Outreach Curriculum Materials and Online Resources

BioEd Online and SuperSTAAR feature educational tools for biology and related subjects, including teaching resources, streaming video presentations, teaching slide sets, inquiry-based classroom activities, and complete teaching resources (PreK through grade 12).

Career Pathways

Our educational programs for middle school, high school, and undergraduate students provide pathways to careers in medicine and the health sciences.

Teacher Professional Development

The Center provides a range of in-person and online learning experiences for educators.

Our Team

Meet the members of the Department of EIT Center for Educational Outreach team.

Funding Institutions

Generous and continuing support helps the Center advance its educational mission.

Collaborative Partners

The Center collaborates with scientists and educators in a wide range of specialties.


Center for Catholic Education

The foundation of the Center for Catholic Education is based on the Catholic, Jesuit identity of Saint Louis University.

Catholic school closures in 2020 disproportionately impacted underserved families and non-Catholic families, creating a new sense of urgency to continue faith-driven educational opportunities.

Through their innovative practices, their mission is to:

  • Hand on the Catholic faith to future generations,
  • Create sustainability and equity for a viable future in Catholic schools, and
  • Recruit and support change leaders.
  • To fulfill their mission, the Center encompasses five focus areas of Catholic education at SLU:

    Leadership Programs

    Graduate programs in educational leadership at SLU have a far-reaching impact by serving students in St. Louis, Dallas, Houston, San Antonio, Little Rock, and Oklahoma City. The Master of Arts in Educational Leadership with a concentration in Catholic education is designed to prepare students for school-level leadership positions in Catholic schools. The Doctor of Education in Educational Leadership with a concentration in Catholic education is designed to prepare students to become executive-level leaders in Catholic education. 

    Teaching programs

    The Billiken Teacher Corps (BTC) is a unique service-learning opportunity for faith-driven college graduates to have a transformative impact in under-resourced Catholic schools in the St. Louis area. For two years, the fellows live in an intentional faith community while teaching full time and earning their Master of Arts in Teaching (MAT) degree with full tuition remission. As of spring 2021, there are 29 alumni of the BTC program; 93% of these alums are employed in education. Billiken Teacher Corps alums often continue their studies in doctoral education programs at SLU, increasing their impact in the community. The Billiken Teacher Corps has also recently expanded to serve the children in St. Patrick’s Catholic School in Springfield, Illinois. This is the first time that the BTC has partnered with a school outside of the St. Louis metropolitan area.

    The Grow Your Own Teacher program offers an opportunity to high school graduates who would like to teach in an under-resourced Catholic elementary school that they attended. These students may apply for the Grow Your Own Teacher scholarship fund and earn their Bachelor of Arts in Education at Saint Louis University.

    Local outreach

    Access Academies at Saint Louis University propels middle school students in urban Catholic schools who have been historically underserved through high school and on to college and career success. Access provides enrichment programs, counseling in middle school through high school, and scholarships for high school. The School of Education also partners with Access Academies to help provide summer tutors for their Summer Bridge Program. Access’s partnership with three local schools —St. Louis Catholic Academy, Sister Thea Bowman, and St. Cecilia—strengthens SLU’s connection to students in Catholic schools. This also allows Access Academies to leverage the School of Education’s expertise, data research, and the Billiken Teacher Corps to enhance its programming. 

     Global outreach

    Through their Beyond Home Initiative, they provide scholarships for Catholic educators in the developing world. The Center for Catholic Education is making an impact through its partnership with the Belize 2020 organization, a group based in St. Louis that provides volunteers and funding that support the Jesuit schools and parishes in Belize, Central America. Based on the theory of change for international outreach to “train the trainer,” Belizean Catholic school teachers and students return home after earning their graduate degree at SLU and serve as teacher-leaders who work alongside and coach their colleagues.

    Research

    The Center for Catholic Education at Saint Louis University is uniquely positioned to serve as a hub to study best practices in Catholic education through its connection with:

  • Archdiocese of St. Louis
  • National Catholic Educational Association
  • PRiME Center in Saint Louis University’s School of Education
  • Saint Louis University Geospatial Institute
  • Journal of Catholic Education
  • Provide a focus for research and analysis of central issues affecting Catholic education.
  • Serve as a national clearinghouse for research and practical applications of this research for use by Catholic education practitioners.
  • Expand and strengthen specialized degree programs related directly to Catholic education.
  • Develop effective processes, structures and leadership training for strategic planning, financial management, enrollment management, governance and leadership of Catholic educational systems.
  • Develop new models for effective practices in catechesis, curriculum and instruction, and student and family support processes in Catholic education.
  • Provide professional development in the key areas of catechesis, curriculum and instruction, student and family support processes, and leadership for staff and leaders of Catholic educational systems. Create and sustain effective collaborative partnerships in educational initiatives with archdioceses, dioceses, provinces and Catholic educational leaders.

  •  


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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