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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Alibaba ACP-Sec1 : ACP Cloud Security Professional ACTUAL EXAM QUESTIONS

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Exam Number : ACP-Sec1
Exam Name : ACP Cloud Security Professional
Vendor Name : Alibaba
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ACP-Sec1 test Format | ACP-Sec1 Course Contents | ACP-Sec1 Course Outline | ACP-Sec1 test Syllabus | ACP-Sec1 test Objectives

Exam Detail:
The ACP-Sec1 (ACP Cloud Security Professional) test is designed to validate the knowledge and skills of professionals in cloud security. Here are the test details for the ACP-Sec1 exam:

- Number of Questions: The test typically consists of 60 multiple-choice questions.

- Time Limit: The time allocated to complete the test is 90 minutes (1.5 hours).

Course Outline:
The ACP-Sec1 certification course provides a comprehensive understanding of various Topics related to cloud security. The course outline generally includes the following areas:

1. Cloud Security Fundamentals:
- Introduction to cloud computing and its security challenges.
- Cloud deployment models and service models.
- Shared responsibility model in cloud security.

2. Security Management and Governance:
- Security governance and risk management.
- Cloud security policy development and implementation.
- Security incident response and management.

3. Identity and Access Management:
- User and identity management in the cloud.
- Access control and authentication mechanisms.
- Identity Federation and Single Sign-On (SSO).

4. Data Security and Privacy:
- Data classification and protection mechanisms.
- Encryption and key management.
- Privacy and compliance considerations.

5. Network Security:
- Network security concepts and practices.
- Virtual Private Cloud (VPC) and network segmentation.
- Network access control and monitoring.

6. Security Monitoring and Compliance:
- Security monitoring and logging.
- Intrusion detection and prevention.
- Compliance frameworks and regulations.

Exam Objectives:
The objectives of the ACP-Sec1 test are as follows:

- Assessing candidates' understanding of cloud security fundamentals and concepts.
- Evaluating candidates' knowledge of security management and governance in the cloud.
- Testing candidates' proficiency in identity and access management practices.
- Assessing candidates' familiarity with data security, privacy, and network security practices.
- Evaluating candidates' understanding of security monitoring, incident response, and compliance.

Exam Syllabus:
The specific test syllabus for the ACP-Sec1 test covers the following topics:

1. Cloud Security Fundamentals:
- Cloud computing concepts and security challenges.
- Cloud deployment models and service models.
- Shared responsibility model in cloud security.

2. Security Management and Governance:
- Security governance and risk management.
- Cloud security policy development and implementation.
- Security incident response and management.

3. Identity and Access Management:
- User and identity management in the cloud.
- Access control and authentication mechanisms.
- Identity Federation and Single Sign-On (SSO).

4. Data Security and Privacy:
- Data classification and protection mechanisms.
- Encryption and key management.
- Privacy and compliance considerations.

5. Network Security:
- Network security concepts and practices.
- Virtual Private Cloud (VPC) and network segmentation.
- Network access control and monitoring.

6. Security Monitoring and Compliance:
- Security monitoring and logging.
- Intrusion detection and prevention.
- Compliance frameworks and regulations.

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Alibaba Professional answers


Study Finds Fish Oil Supplements May Overpromise Health Benefits

  • A new analysis has assessed the extent of heart health-related claims on fish oil supplements.
  • The researchers state that most products contain claims, but many lack supporting trial data.
  • While some studies have found fish oil supplements have no effect on cardiovascular health, others indicate supplementation is beneficial.
  • More research is required into the relationship between fish oil and heart health.
  • Dietary supplements are big business in the US, with the industry valued at over $50 million and around 60% of adults regularly taking a supplement to support their health and well-being.

    A big component of the sector revolves around fish oil supplements — with many of these products possessing claims related to heart health benefits.

    But are these claims backed by science? This is a question that scientists at the University of Texas Southwestern Medical Center explored in a new analysis report published August 23 on the JAMA Cardiology website.

    Their findings stated that the majority of fish oil supplement labels comprise health claims relating to the heart (and other organs) — “despite a lack of trial data showing efficacy.”

    Furthermore, they revealed that levels of all-important eicosapentaenoic acid (EPA) and docosahexaenoic acid (DHA) can vary between products.

    The researchers looked at data from on-market fish oil (and non-fish omega-3 fatty acid) supplement labels, taken from the National Institutes of Health Dietary Supplement Label Database.

    They reviewed the prevalence of two types of claims concerning cardiovascular disease: qualified health claims and structure/function claims.

    Qualified health claims (QHCs) are claims relating to a supplement’s potential to aid in disease treatment or prevention and are made by the US Food and Drug Administration (FDA) following an evidence review.

    The study revealed there are currently two cardiovascular-related qualified health claims for fish oil, one relating to coronary heart disease and the other to blood pressure. For instance, “Supportive but not conclusive research shows that consumptions of EPA and DHA omega-3 fatty acids may reduce the risk of coronary heart disease.”

    On the other hand, the FDA states that a structure/function claim “‘describes the role of a nutrient or dietary ingredient intended to affect the structure or function in humans.’’ These claims cannot declare that the supplement prevents, treats, or cures any illness or disease.

    Some structure/function examples shared in the paper include “Promotes heart health,” “Supports heart, mind, and mood,” and “Omega-3 fatty acids are important for cardiovascular, immune, and nervous system health.”

    Out of 2,819 unique fish oil supplements assessed, 2,082 (73.9%) possessed at least one health claim — most of which were structure/function claims.

    Only 399 supplements (19.2%) used a QHC: 394 relating to coronary heart disease, three for blood pressure, and two relating to both.

    Of all health claims on fish oil supplements, a significant proportion (62%) related to heart health.

    This is problematic, said the researchers, as “Multiple randomized clinical trials have shown no cardiovascular benefit to fish oil supplements.”

    Further, they added, the pervasiveness of structure/function claims could lead to misinformation among consumers.

    The researchers recognized several limitations to the study:

  • Labels are voluntarily submitted to the National Institutes of Health Dietary Supplement Label Database, meaning it’s likely there are fish oil supplements that weren’t included
  • All supplement labels were weighed, despite differences in market share
  • Only health claims on product labels were assessed, not those in adverts or other promotional materials
  • Only supplements from the 16 largest potential brands were evaluated.
  • Experts unrelated to the study highlighted other potential drawbacks.

    The Council for Responsible Nutrition, a trade group for dietary supplements, issued a statement criticizing the study.

    “The report appears to ignore that [structure/function] claims and Qualified Health Claims (QHCs) serve different purposes – one to provide general non-disease specific health information to consumers, and the latter are permitted [by the FDA] to discuss the relationship between a nutrient and disease risk,” said the Council for Responsible Nutrition (CRN) in a statement.

    The CRN continued: “While [structure/function] claims may not have the same level of scientific substantiation as qualified health claims, they still require evidence to support their validity and provide consumers with valuable health information.”

    Furthermore, they added, “Existing labeling, as the authors point out, carry the appropriate legal disclaimers regarding the limitations of those claims.”

    Frustratingly, there’s no definitive answer.

    Why? The research evidence is somewhat mixed.

    “Fish oil supplements have always been a little controversial, especially for their use in heart health,” said Miranda Galati, MHSc, RD, dietitian and founder of Real Life Nutritionist.

    In the new analysis, the researchers highlighted three different randomized trials, none of which found any cardiovascular benefits from taking fish oil supplements.

    They did note that several other studies found higher doses of EPA and/or DHA (over 2 g per day) can lead to heart health benefits, including reduced cardiovascular events and lower triglycerides (blood fat) levels. However, higher doses in one study were linked to an increased risk of atrial fibrillation.

    But there’s also research to support the use of fish oil supplementation in reducing cardiovascular disease risk.

    For instance, a meta-analysis of 13 trials revealed that supplementation of marine omega-3 “lowers risk for myocardial infarction [heart attack], [coronary heart disease] death, total [coronary heart disease,] [cardiovascular disease] death, and total [cardiovascular disease.]” Most trials reviewed involved a daily dose of around 850 mg.

    Another meta-analysis found certain marine fatty acids aided in lowering heart rate, while a double-blind, randomized crossover study found fish oil supplements reduced triglyceride levels by around 14%.

    Unfortunately, “Nutrition studies are notoriously difficult to conduct in the right way,” said Megan Lyons, certified clinical nutritionist, board-certified holistic nutritionist, and founder of The Lyons’ Share Wellness.

    “Humans have so many variables at play: different health conditions, diverse dietary intake, varying movement patterns, and distinct sleep and stress patterns — all contributing to their overall health,” she told Healthline.

    Lyons explained that to isolate the very specific benefit or detriment of one nutrient or supplement, study participants would have to be rigorously restricted and controlled for years at a time — which is not possible.

    “Therefore, many of these studies…often come down to what researchers are able to control and isolate,” she added.

    EPA and DHA are both omega-3 fatty acids. “The most significant difference is their chemical structure because they contain different amounts of carbon atoms and double bonds,” said Allie Echeverria, a registered dietitian and founder of Eaton Broshar.

    The research team found “substantial variability” in the amount of daily dose EPA, DHA, and combined EPA and DHA, across 255 different fish oil supplements from leading brands and manufacturers.

    They stated that the “significant heterogeneity” in daily dose EPA and DHA can lead “to potential variability in safety and efficacy between supplements.”

    The median amount of EPA in the analyzed supplements was 340 mg/d, DHA was 270 mg/d, and EPA and DHA was 600 mg/d.

    However, there’s no official recommended daily amount for EPA or DHA, just as “There’s no established upper limit for omega-3 fats,” said Galati.

    Typically, “You’ll want to look for a 250 mg dose of combined EPA and DHA per day,” Galati shared with Healthline. “Doses up to 1 g may be recommended for those with heart health concerns.”

    Going overboard “can cause gastrointestinal distress, such as gas, belching, and diarrhea,” explained Echeverria. “Fish oil can [also] interact with blood pressure, anticoagulant, and contraceptive medications.”

    The amount of fish oil a person requires can vary according to factors such as dietary habits and underlying medical issues. If you’re unsure, speak to a doctor or healthcare professional, such as a dietitian.

    EPA and DHA are both believed to contribute to different aspects of health. “EPA is thought to help more with reducing inflammation and pain,” she continued, while “DHA is known to support brain health.”

    Essentially, neither is “better” or more important. “Our bodies require a balance of both EPA and DHA,” said Lyons. “Without [this], their body cannot function at its highest level.”

    In the U.S., dietary supplements are not regulated by the FDA in the same way drugs are — but this doesn’t mean they aren’t regulated at all.

    The Dietary Supplement Health and Education Act of 1994 outlines various standards supplement manufacturers must meet regarding factors such as manufacturing processes, labeling, and ingredients.

    If these are not adhered to, the FDA states it “has the authority to take action against any adulterated or misbranded dietary supplement product after it reaches the market.”

    Despite this, issues can still arise with supplements, said Lyons. For example, they might contain less of the active ingredient than promoted or “incorporate other additives, fillers, or harmful agents that may be binders, or similar substances not listed on the label.”

    Fortunately, consumers can take steps to help them stay safe when buying and consuming supplements.

    “I always recommend looking for supplements that have been third-party tested,” stated Galati. “This means a company has taken the extra step to have their formulas tested for accuracy and safety by an unbiased third party.”

    A product’s label or website usually states if the supplement has been third-party tested.

    You could also consider doing some of your own research, suggested Lyons — such as by “consulting a practitioner who can offer personalized guidance on suitable supplements.”

    A new analysis of fish oil supplements states that many on-label claims relating to heart health lack support from clinical trial data.

    However, while the analysis highlighted studies finding no benefits to taking fish oil, other research indicates fish oil can aid in supporting various aspects of heart health. More investigations are required before firm conclusions can be drawn.

    If you’re considering taking fish oil supplements, Galati said it’s vital to note they “aren’t necessarily harmless for everyone — so always check with your doctor and pharmacist before adding it into your routine.”

    When Should You Get Your Next Covid-19 Booster? There’s One Easy Answer To This Question

    It’s that time of year again to gear their immune systems up for another season of respiratory bugs like influenza and, most importantly, SARS-CoV-2. In fact, in accurate weeks, a new coronavirus strain has dominated in the U.S., making up 17 percent of all infectious cases and an uptick in hospitalizations.

    Here’s the good news: The newly identified strain, EG.5.1 (unofficially nicknamed Eris by social media users), doesn’t appear to be a major threat. The World Health Organization issued a press release earlier this month noting that the new variant, which is an offshoot of the previous reigning omicron variant, doesn’t appear to bring any increased disease severity.

    Nevertheless, vaccine manufacturers like Pfizer/BioNTech, Moderna, and Novavax were already switching up their shots in preparation for the new season. In fact, revised shots are expected to be ready sometime in September or October. So, if you haven’t yet gotten a booster in a while, you might be wondering whether it’s wise to get it now or wait until the new one comes out. Here’s what you need to know to make the best decision, which should be a fairly easy choice to make.

    What’s new about the revised shots?

    Following a recommendation from its science advisory panel in June, the U.S. Food and Drug Administration instructed vaccine makers to target the XBB variant of SARS-CoV-2 for the fall since it was dominant at the time.

    This vaccine won’t be bivalent like the other shots consisting of the original strain and the omicron BA.4/5 strains. Instead, it’s a monovalent formulation, as was decided by the FDA back in January. The switch came as a result of some studies suggesting combining variants in the booster undermined their effectiveness due to a biological phenomenon called immune imprinting, where a bivalent shot elicits a stronger immune response to ancestral viruses versus its newer descendants, reported The New York Times.

    This second generation of vaccines won’t be a perfect match, but as Eris is considered a descendant of the XBB lineage, they’re still expected to provide pretty good protection.

    "XBB is the lineage right now, and there is good cross-protection, no matter what antigen is chosen, according to the data that we've been shown," Eric Rubin, editor-in-chief of the New England Journal of Medicine and one of the FDA's vaccine advisers, said at the June meeting.

    When should you get a booster, and do you need one?

    The new vaccines will be a better match since neither the original variant nor omicron BA.4/5 strains are still in circulation. But whether you should hold off until then is a bit nuanced, depending on your age, vaccine status, and past Covid-19 and medical history.

    Infectious disease specialist Preeti Malani of the University of Michigan School of Medicine told NPR if someone has had all their recommended shots but not their latest booster and has never had Covid-19 and may be at risk of catching the virus as they’re traveling or other circumstances, then they could get the current booster and wait some months after the new ones roll out.

    However, if you’ve had Covid-19 anytime during the pandemic, are up to date on your vaccines, and aren’t at a high risk medically, it might be better to wait until the fall when the new ones come out. Malani recommends having a conversation with a healthcare professional to evaluate what’s the best recourse for you.


    We asked LG for a burn-in warranty on its OLED monitor — and it’s delivering

    No result found, try new keyword!But after four months of conversations with The Verge, LG Electronics has changed that warranty. LG now has a two-year burn-in warranty for its OLED gaming monitor in the US, Christopher De Maria, ...

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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